KR20150061518A - The Method and System to reduce Factoring Cost by utilizing the Gaps among the Crdit Risk Premiums evaluated by multiple Factors - Google Patents

Abstract

The present invention relates to a technology which automates a process and synchronizes related systems to reduce work process cost and produce additional value in a factoring business, by using a purchase factor system which includes a professional writing unit, a transmission/reception unit, and a control unit to reduce a factoring cost.

Description

The method and system for reducing factoring costs by using the credit risk ratio between factor and factor is described by multiple Factors,

TECHNICAL FIELD The present invention relates to a technology for automating processes and linking related systems in order to reduce business processing costs and create added value in a factoring business.

In foreign transactions, the selling company has to purchase the raw materials and other materials necessary for the production of the sales items before the sale date of the sales item, and the payment of the purchase price of the raw materials is also often an external accident, Sales receipts' are often preceded by 'receipt of receipts'. In such a case, there is a demand for securing funds for the purchase and purchase of foreign subsidiary products by selling discounts to the banks and so on (hereinafter referred to as "accounts receivable") due to foreign currency sales of sales goods.

In the case of a transaction bank, a discount fee is expected to be expected. In this case, the discount purchase of accounts receivable is referred to as factoring and the factoring agency is referred to as a factor in this specification. These factors are typical of banks, but they can be securities companies and various other types of businesses.

Since the factor has been factored, the trade receivables (purchasing obligation for the purchasing company, hereinafter referred to as "accounts receivable" also means "purchase obligation for the purchasing company") At the settlement date, If you do not pay, the factor will be lost. In order to prepare for such cases, it is often the case that the sales company promises to respond to the request when the factor requests the sales company to repurchase the receivable. The factoring is called the subsumption factorization do.

On the other hand, the above-mentioned voluntary factoring is disadvantageous to the sales company 'factorization' (hereinafter referred to as 'no factorizing') which promises to not be able to request such a repurchase. Therefore, in the case of a sales company, even if it sells at a rather high discount rate, the no factor pricing becomes more favorable than the small factorization, and the factor of the factor is "expected loss factor of the factor due to the purchasing company not paying the purchase obligation" Risk discount rate "), the discount rate of the no-pricing factor is the value obtained by adding the credit risk cost ratio of the purchasing company to the discount rate of the nominal factorization.

Also, in order to reasonably estimate the credit risk cost ratio of the purchasing company, it is necessary to be able to grasp the creditworthiness of the purchasing company. Therefore, most of the factorless factoring, The loan is provided by the bank.

However, in the case of a purchasing company, it is difficult to check whether all the purchased items are defective at the time of receiving the purchased goods, so that the " In this case, if the factorization is provided for the trade receivables in such a case, and later the delivery that is the cause of the receivables is returned, the factor is "even if the purchasing company has the ability to settle accounts receivable" The loss of the receivables from the purchasing company can not be paid. In order to prepare for such a case, the contract for the no-pricing factor also includes an agreement to allow the factor to be repurchased to the sales company if the receivable is not paid on the due date for reasons unrelated to the credit of the purchasing company May be included.

However, even if such an extraordinary item is included, the factor will still be lost if the seller does not have the ability to pay the redemption price when applying the redemption of the sales receivable to the sales company under the special terms. This factor is inconvenient because there is a restriction that the factor can only be recognized if both the credit of the purchasing company and the credit of the selling company can be recognized. In particular, in international transactions, it is difficult to find out the specific factors of both the sales company and the buyer of a specific transaction.

Even if the credit of both purchasing and selling companies can not be recognized, it may be possible to provide some kind of factoring service if only one credit can be recognized. However, if the factor is not well informed about the creditworthiness of the purchasing company, even if it provides the factoring, it would be inconvenient for the company to be factorized because it requires a very high discount rate to cover the expected loss (hereinafter referred to as' , Even if they do not know about the credit of the sales company, it is inconvenient for the sales company that is factoring because it requires an expensive discount rate for the same reason. (Hereinafter referred to as the 'high cost inconvenience of the seller unknown credit').

If such inconveniences can only be recognized by the credit of the sales company, voluntary factoring is usually provided. In this case, it is inconvenient for the sales company to be exposed to the risk of losses due to the sale of the receivables. (Hereinafter referred to as "repurchase risk inconvenience"),

If the purchasing company is known as a good company globally, the factor that accounts for the sales receivables of 'sales companies that have a lot of trading experiences with themselves and loans' In this case, too, the factor is higher than the credit risk ratio of purchasing companies compared to 'the bank having a lot of experience in lending transactions with its superior corporations'. Therefore, it is inconvenient for a sales company to pay an expensive discount fee (hereinafter referred to as "inconvenience for credit risk cost ratio").

Accordingly, the present inventors have found that the above object of the present invention is to provide a method and apparatus for mitigating discomfort inconvenience, inconvenience to limit credit approval conditions of a party involved in the factoring process under existing technology, And to study the method.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned drawbacks, and it is an object of the present invention to provide a method and apparatus for selling merchandise, The purpose is to alleviate the inconvenience of high cost inconvenience, repayment risk exposure inconvenience, credit risk cost ratio and so on.

According to an aspect of the present invention to achieve the above object, there is provided a risk management method for a credit risk management system in which, when a reason for redemption of a trade receivable occurs, a sales corporation can not pay a redemption price, The fact that the factor that estimates the lowest is the factor that provides the sales company with the factoring contract but the fact that if the receivable is not paid on the due date due to the fact that it is not related to the credit of the purchasing company, The buyer can not sell the bonds to the seller, and if the sellers do not pay the redemption price even though the reason for the redemption is due, (Hereinafter referred to as the "sales factor") is responsible for providing the factoring directly to the buyer, (Hereinafter referred to as "loss risk of sales factor" (hereinafter referred to as "credit risk cost of purchasing company") is a factor in which the sales factor receives a predetermined payment guarantee fee (100% Risk Participation), and includes the following operational steps. The factor that promises the sales factor to completely (100% Risk Participation) the loss of the sales factor due to the purchasing company not paying its purchase obligation is referred to as a 'purchasing factor'.

According to another embodiment of the present invention, a partial risk Participation method may be used. However, for the sake of simplicity of description, the present invention will be limited to the 100% Risk Participation embodiment in which the purchasing factor is entirely borne. As an embodiment of the present invention, the above-mentioned loss burden may be referred to as a payment guarantee, a Standby LC issuance, a Demand Guarantee issuance, a credit grant agreement, a fund supplement contract, and a no-resort type re- (Hereinafter referred to as "Unfunded Risk Participation") and a non-refinancing factor (hereinafter referred to as "FRP: Funded Risk Participation") in order to simplify the explanation in this specification, ).

Hereinafter, the risk risk due to various forms provided by the purchase factor is referred to as 'Risk Participation' or abbreviated as 'RP', and the factoring business processing system operated by the purchasing factor is referred to as a 'purchasing factor system' A factoring task processing system operated by a company is called a 'sales factor system'. If a specific factor plays a role of a purchasing factor in factoring for a specific receivable and a selling factor in the factoring of another specific receivable, the factoring business processing system of the factor may become a 'purchasing factor system' Sales factor system '.

The purchasing factor system 100 includes an RP line commitment notification professional ID, a purchase factor ID and a sales factor ID, and includes an RP line commitment limit, an RP line commitment expiry date, and a payment guarantee rate (hereinafter, A predetermined RP line commitment list 'which is characterized in that the payment guarantee rate is also matched with the' payment factor guarantee rate 'of the sales factor by distinguishing the payment guarantee rate from the payment factor of the sales factor) , And transmits it to the sales factor system (200).

In the transaction company DB of the sales factor system 200 receiving the specialization, the 'credit limit and the credit limit', which are simultaneously matched with the 'purchase factor ID' and the transaction company ID of the RP line commitment list read in the RP line commitment notification special, And the expiration date are updated to the read RP line commitment limit and RP preliminary contract expiration date that are read out and matched with the transaction company ID in the RP line commitment list, The risk premium rate is updated to a value obtained by adding the purchasing factor credit risk cost rate matched with the purchasing factor ID in the factor DB to the payment guarantee rate matched and read out with the transaction company ID in the RP line commitment list, The RP pre-commit notification special ID of the updated record is also updated with the "RP pre-commit notification special ID read from the above".

The sales company system 300 creates a sales company condition inquiry message including the sales company condition inquiry professional ID, the purchase company ID, the sales company ID, the sales receipt amount, and the payment date, and transmits the message to the sales factor system 200 (S310).

The sales factor system 200 receiving the specialization can determine that the 'receivable amount read out in the sales company condition inquiry specialist'is' purchased company ID read from the above-mentioned specialist 'and' (The fifth factor of the selling factor), and determines that the payment date read out in the sales company condition inquiry specialization is 'within the sales company credit limit in the transaction company DB 250' (The selling factor sixth judgment), and judges whether the 'one or more credit limit matched with the purchasing company ID in the transaction company DB 250' is equal to or more than the receivable amount (First determination of the sales factor), it is determined in the transaction company DB 250 whether the credit limit validity date matched with the credit limit with which the sales factor first judgment was positive is the payment date of the trade receivable or later Sales factor second judgment), the factor DB (Hereinafter, referred to as a 'sales factor third judgment') of the purchase factor credit amount matched with the credit limit matched with the credit limit in which the selling factor first judgment is affirmative, (Hereinafter, referred to as 'selling factor fourth judgment') whether or not the purchasing factor credit limit and matched purchasing factor credit limit expiration date in the factor DB is the payment date or later.

When both the sales factor fifth judgment, the sixth judgment, the first judgment, the second judgment, the third judgment and the fourth judgment are all positive, the sales factor system 200 judges whether the sale factor condition reply special ID and the sales company condition A predetermined sales factor condition reply including the inquiry professional ID, the purchase company ID, the sales receipt amount, the payment machine date, the sales factor factoring fee, the sales factor factoring fee, and the sales factor other cost is created and transmitted to the sales company system 300 do.

The sales company system 300 that has received the message includes a purchase company ID, a sales receivable amount, a payment machine work and sales factor condition reply special ID, a sales factor factoring fee, a sales factor factorization fee, a sales factor cost factor, and a factoring application expert ID And transmits the created fact file to the sales factor system 200. [

The sales factor system 200 that receives the specialization controls the sales company account ID to 'deposit the sales factor factoring fee calculated from the sales receipt amount in a predetermined manner and the sales factor and other expenses' Application ID and Sales Factor ID and RP Pre-Notification Professional ID, Purchase Company ID, Sales Company ID, Accounts Receivable Amount, Payment Machine Date and Purchase Factor Factoring Rate and Purchase Factor Factoring Fee and RP Other Cost per Purchase Factor and Purchase Factor Account ID And sends it to the purchasing factor system.

In a case where the RP preliminary commodity notification special ID is read out in the above-mentioned specialization, the purchasing factor system 100 that has received the specialization reads' the amount of the receivable amount read in the RP application, (The fourth determination of the RP line), and it is determined whether or not the 'payout date read in the application form' is within the 'RP line commitment expiry date retrieved from the RP line commitment database' The procurement rate matched to the period covered by the readout payment date in the procurement rate DB, and the procurement rate matched to the readout payment date in the procurement rate DB A sum of the purchase factor factoring necessary margin matched to the sales factor ID in the factor DB and a payment guarantee margin calculated by subtracting the payment guarantee margin matched to the sales factor ID from the factor DB RP-line Commitment 6 judgment) , Judging whether or not the purchasing factor factoring fee read out in the above-mentioned specialization agrees with the purchase factor factoring fee calculated by applying the calculated factor factoring fee calculated for the period until the read payment date to the read receivable amount RP judgment 7), and judges whether the 'other cost per RP read out in the RP application is matched with' other expenses per RP matched to the factor ID in the factor DB 180 ' Judgment).

If both of the RP pre-commodity fourth judging, the fifth judging, the sixth judging, the seventh judging, and the eighth judging are positive, the purchasing factor system 100 controls the sales receivable amount to be deposited with the sales factor account ID.

According to the present invention, the mutual RP contracts are concluded between factors that are well known to each other and the credits of the counterpart factors (for example, between exchange banks having mutually set credit limits), and the credit risk cost ratio The factor that estimates the firm's credit risk expense is provided by providing the factoring with repurchase special condition conditionally, and the credit risk cost of the purchasing company is the factor that relatively low the credit risk cost ratio to the purchasing company The credit risk to the sales company can be compensated by providing the factor providing the factorization. Thus, the credit risk rate for the sales company is calculated to be relatively low, And the credit risk for the purchasing company is a pack that estimates the credit risk cost rate for the purchasing company relatively low The cost of purchasing companies' credit unreasonable and expensive is also eased. In this way, the credit risk cost ratio is calculated by the factor that estimates the relatively low credit risk rate for each of the sales company and the purchasing company, thereby alleviating the "inconvenience for the credit risk cost ratio". However, except for the exceptional case where the seller has a responsibility to the seller, such as a defective delivery item, the seller does not have the obligation to repurchase, so the "repurchase risk exposure inconvenience" is alleviated. In this way, it is convenient to ease both the inconvenience of high cost of sales company and high cost inconvenience of purchasing company and high cost inconvenience of credit risk ratio, high cost inconvenience and repurchase risk inconvenience.

In case the sales factor frequently receives from the sales factor system 200 the specialties of the guarantee guarantee request or the purchasing factorization request for the trade receivable to be provided by the sales factor, if the predetermined condition is satisfied, So that the business processing cost can be reduced and the convenience of the sales factor can be increased, so that the payment guarantee business or the purchase factor factoring business can be activated. Moreover, because of the RP commitment, the task of finding the purchasing factor to provide these RPs is automated, and the probability of requesting the RP for the most favorable purchasing factor is enhanced, making it more convenient.

This convenience is particularly noticeable when a particular factor is difficult to hold sufficient credit information for both the purchasing and the selling companies, particularly in international transactions.

1 is a system configuration diagram according to an embodiment of the present invention.
2 is a block diagram of a purchasing factor system in accordance with an embodiment of the present invention.
3 is a block diagram of a sales factor system in accordance with an embodiment of the present invention.
4 is a block diagram of a sales company system according to an embodiment of the present invention.
5 is a flow diagram of a method for reducing factoring costs using a factor risk credit risk ratio factor in accordance with an embodiment of the present invention.
FIG. 6 is a flow chart of one embodiment of a detailed method for the step of the purchasing factor system 100 creating an RP line commit notification advertisement in the flow chart shown in FIG.
FIG. 7 is a flow chart of a detailed method for the step of receiving the RP pre-commodity notification advertisement and updating the transaction company DB in the flowchart shown in FIG. 5.
FIG. 8 is a flowchart of a detailed method for the step of creating a sales company condition inquiry message by the sales company system 300. FIG.
FIG. 9 is a detailed method for determining whether the sales factor system 200 receives the sales company condition inquiry message in the flowchart shown in FIG. 5 and whether or not the inquiry condition of the purchase factor is required to reply to the message. It is a flow of courtesy.
FIG. 10 is a flowchart of a detailed method for generating a purchase factor condition reply message by the purchasing factor system 100 'receiving the sales factor condition inquiry in the flowchart shown in FIG.
FIGS. 11 and 12 are flowcharts of a detailed method for generating a sales factor condition reply message by the sales factor system 200 that receives the purchase factor condition reply message in the flowchart shown in FIG.
FIG. 13 is a flowchart of a detailed method of a step of creating a factory application 300 by the sales company system 300 receiving the sales factor condition reply in the flowchart shown in FIG.
14, the sales factor system 200 receiving the factifying application special in the flowchart shown in FIG. 5 deposits the sales receipt factoring amount in the sales company account, creates the RP application special and sends it to the purchasing factor system 100 DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG.
FIG. 15 is a flowchart of a detailed method for performing RP processing by the purchasing factor system 100 receiving the RP application request in the flowchart shown in FIG.
16 and 17 are examples of the trade receivable RPDBs 145 that are configured in different purchase factor systems.
18 and 19 are examples of the transaction company DB 150 constructed in the respective purchase factor systems which are different from each other.
20 and 21 are examples of procurement interest DBs 160 that are configured in different purchase factor systems.
FIG. 22, FIG. 23 and FIG. 24 are illustrations for comparing and explaining aspects in which the RP line pill DB 170 configured in the purchasing factor system is changed at every step of the embodiment of the present invention.
25 is an example of a factor DB 180 configured in the purchasing factor system.
Figs. 26 and 27 are illustrations for comparing and explaining aspects in which the RP condition reply DB 187 configured in the purchase factor system is changed at every step of the embodiment of the present invention.
28 is an example of the parameter storage unit 190 configured in the purchasing factor system.
29 to 40 are illustrations for comparing and describing aspects in which the trade receivable factoring DB 240 configured in the sales factor system is changed at every step of the embodiment of the present invention.
FIGS. 41 to 45 are illustrations for comparing and explaining aspects in which the transaction company DB 250 configured in the sales factor system is changed at every step of the embodiment of the present invention.
46 and 47 are illustrations for comparing and explaining aspects in which the procurement interest DB 260 configured in the sales factor system is changed at every step of the embodiment of the present invention.
48 and 49 are illustrations for comparing and explaining aspects in which the factor DB 280 configured in the sales factor system is changed at every step of the embodiment of the present invention
50 to 55 are illustrations for comparing and illustrating aspects in which the alternative storage unit 285 configured in the sales factor system is changed for each of the steps of the embodiment of the present invention.
56 to 58 are illustrations for comparing and explaining aspects in which the sales factor condition inquiry DB 286 configured in the sales factor system is changed at every step of the embodiment of the present invention.
59 is an example of the parameter storage unit 290 configured in the sales factor system.
FIGS. 60 to 63 are illustrations for comparing and explaining modes in which the trade receivable factoring DB 340 configured in the sales enterprise system is changed at every step of the embodiment of the present invention.
FIG. 64 is an example of a case of a credit limit line registration list input to the input unit 192 of the purchasing factor system according to an embodiment of the present invention.
65 is an illustration of an example of an RP pre-commit list that is input to an input 192 of a purchasing factor system, in accordance with an embodiment of the present invention.
66 is an example of a case of information retrieved from the transaction company DB 150 as the RP line commitment list is input to the input unit 192 of the purchasing factor system according to an embodiment of the present invention.
67 is an example of a case of the proposed interest rate table created in the purchasing factor system.
68 is an example of a specific example of an RP-line commu- nication notification special that is prepared by the professional writing section of the purchasing factor system.
FIGS. 69 and 70 are illustrations for comparing and explaining aspects in which the factoring condition query screen output to the output unit 391 of the sales company system is changed for each of the steps of the embodiment of the present invention.
71 is an example of an embodiment of a sales company condition inquiry full text created by the professional creation unit 330 of the sales enterprise system.
72 is an example of an example of a sales factor condition inquiry text created by the specialty creating unit 230 of the sales factor system.
FIG. 73 is an example of an example of a reply to a purchase factor condition reply prepared by the specialty creating unit 130 of the purchasing factor system.
FIGS. 74 and 75 are illustrations for comparing and explaining modes in which the sales factor condition inquiry search screen output to the output unit 191 of the sales company system is changed at every step of the embodiment of the present invention.
76 is an example of an example of a reply to a sales factor condition prepared by the specialty creating unit 230 of the sales factor system.
77 and 78 are illustrations for comparing and explaining aspects in which the sales factor condition reply inquiry screen output to the output unit 191 of the sales company system is changed at every step of the embodiment of the present invention.
79 is an example of a practical example of a factoring application professional created by the professional preparation unit 330 of the sales enterprise system.
80 to 83 are illustrative examples of an example of the RP application to be prepared by the specialty creating unit 230 of the sales factor system.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The terms used throughout the specification of the present invention have been defined in consideration of the functions of the embodiments of the present invention. Therefore, the terms used in the present invention can be sufficiently modified according to the intention, It should be based on the contents of.

"Selecting" to be used throughout the specification of the present invention means that a cursor is displayed on a menu, a box, a button, a box, an image, or a text And selects an object on which the cursor is positioned by using a click, a double-click, an enter key, or the like.

The term 'selected information' or 'selected information' used throughout the specification of the present invention refers to information that has performed an operation of 'selecting'.

The term '~ ID' used throughout the specification of the present invention means information enabling identification of ~. Reference number, name of ~, or a variant of the above information may be an example.

The term " information " used throughout the specification of the present invention means information about.

The term 'professional ID' used throughout the specification of the present invention means, for the sake of convenience, information for identifying the 'information set communicating in a promised manner to' regardless of the expertise.

1 is a system configuration diagram according to an embodiment of the present invention.

A factoring task processing system of a factor that calculates a relatively low credit risk cost ratio to a purchasing company becomes a purchasing factor system 100 and a factoring task processing system that calculates a relatively low credit risk cost ratio to a selling company is a sales factor system (200).

The purchasing factor system 100 transmits an RP line commitment notification special to the sales factor system 200 including the purchase factor payment guarantee rate calculated by reflecting the credit risk cost rate lower than the credit risk cost rate that can be calculated by the sales factor do.

When the sales company system 300, which is a factoring business processing system of a sales company, transmits a factifying application specialist including a sales receivable amount to the sales factor system 200, the sales factor system 200 can calculate the sales factor The amount of the sales receipt amount discounted at the sales factor calculation fee rate calculated in accordance with the purchase factor payment guarantee rate calculated by reflecting the credit risk cost rate that is lower than the credit risk cost rate, To the purchasing factor system 100, an RP application requesting a payment guarantee for the receivables in exchange for the purchase factor payment guarantee fee calculated by the factor payment guarantee rate.

2 is a block diagram of a purchasing factor system in accordance with an embodiment of the present invention.

The purchasing factor system 100 includes a transmission and reception unit 110, a control unit 120, a specialized writing unit 130, a financial calculation unit 135, a trade receivable RPDB 145, a transaction company DB 150, a procurement rate DB 160 An RP line commitment DB 170, a factor DB 180, an RP condition reply DB 187, a parameter storage 190, an output unit 191, and an input unit 192.

The transmission / reception unit 110 communicates with the sales factor system 200 and receives the sales factor condition inquiry telegram and the RP application telegram, and under the control of the control unit 120, the transmission / To the sales factor system (200).

The control unit 120 receives the credit limit changer ID in the input unit 192 and determines the credit limit and the credit limit expiration period end date (hereinafter, the various expiration termination date is referred to as 'OO expiration date') and the credit risk (Hereinafter, referred to as a 'credit limit line registration list') is input, the transaction company DB 150 controls to search 'each transaction company ID in the credit limit line registration list' If the transaction company ID is not found, control is performed so that a record including the transaction company ID is added to the transaction company DB 150. In the case where the transaction company ID is retrieved and when the record is added, a factor owned by the purchasing factor system 100 (hereinafter referred to as 'OO' for a factor owned by the system while describing a specific factoring system) The credit limit and credit limit expiration date and the credit risk expense rate, which are simultaneously matched to the in-house factor ID of the in-house OO and the in-house factor ID, The credit limit, the credit limit expiration date, and the credit risk cost rate, which match the transaction company ID in the input credit limit line registration list.

If the RP required margin change owner ID is input to the input unit 192 and the purchase factor guarantee guarantee margin is matched with the sales factor ID, the purchase factor factoring required margin and other costs per RP are inputted, The DB 180 controls the purchase factor payment guarantee required margin matched with the inputted factor ID, the purchase factor factoring required margin rate, and other costs per RP to be updated to the input value.

Also, the control unit 120 inputs the IDs of the transaction companies, to which the RP is to be committed, to the input unit 192, the factor ID of the sales factor to which the RP is to be committed, (Hereinafter, referred to as an "RP commitment limit") and an RP commitment commitment expiration date and a purchase factor guarantee guarantee rate are input to match the company IDs , As shown in FIG. 65, a 'predetermined RP line commitment list' including the sales factor ID and the RP line commitment limit and the RP line commitment expiry date and the purchase factor payment guarantee rate is matched for each transaction company ID And controls the transaction company DB 150 to search for a transaction company ID matching 'the transaction company ID listed in the RP line commitment list', and if the transaction company ID is not found, Equivalent to A credit limit expiration date matched to the transaction company ID and an expiration date of the credit limit and a credit risk cost rate are retrieved in the transaction company DB 150 when the transaction company ID is searched, It is determined whether or not the RP line commitment limit matched with the transaction company ID entered in the input unit 192 is within the credit limit searched by matching with the transaction company ID in the transaction company DB 150 And the RP pre-commodity expiration date matched with the transaction company ID in the input unit 192 matches the transaction company ID in the transaction company DB 150 to the retrieved credit limit expiration date And the payment guarantee rate inputted in the input unit 192 matching the transaction company ID is compared with the transaction company ID in the transaction company DB 150, Quot; Risk Factor " to " Factor DB 180 " Is and whether it is above the value obtained by adding the purchase factors guarantees necessary margin found, the value is determined (RP-ray confirmed the third judgment).

If it is determined that at least one of the RP-line commitment first determination, the RP-line commitment second determination, and the RP-line commitment third determination is negative (No), the controller 120 determines that the RP line corresponding to the RP- If it is determined that both the RP line commitment first determination, the RP line commitment second determination and the RP line commitment third determination are positive (Yes), the RP line commitment DB 170 controls the input If the factor ID is not found, control is performed so that a field matched with the factor ID is added in the RP line commitment DB 170. When the factor ID is found and when the field is added If the transaction company ID is not found, a record is added in the RP pre-commit DB 170 and a transaction company ID field of the added record is checked. The transaction company ID is stored in the transaction company ID, When the transaction company ID is retrieved and the transaction company ID is additionally stored as described above, the RP precompensation DB 170 simultaneously stores the 'RP precommunication limit' and the RP preliminary commodity expiration date, which are simultaneously matched to the factor ID and the transaction company ID And the purchase factor payment guarantee rate 'are updated to' the RP line commitment limit matched with the transaction company ID, the RP line commitment expiry date and the purchase factor payment guarantee rate 'in the RP line commitment list.

Subsequently, the control unit 120 controls the procurement interest DB 160 to extract the procurement interest rate for each period section matched with the in-house factor ID, and obtains a purchase factor payment guarantee matched to the sales factor ID in the factor DB 180 The necessary margin and purchase factor factoring required margin are extracted, the purchase factor factoring required margin is added to the procurement interest rate per period section, and the purchase factor payment guarantee required margin is subtracted, And generates a predetermined RP line commitment notification special ID, and the expert preparation unit 130 acquires the RP line commitment notification special ID, the in-house factor ID, the created RP line commitment list, and the prepared proposed interest rate table The transmission / reception unit 110 controls the transmission / reception unit 110 to transmit the RP line commu- nication notification telegram to the sales factor system 200 matched with the sales factor ID, and transmits the RP line commu- nication notice DB (170) In the record matched with the transaction company ID included in the RP line commu- nication notification special, the RP line commu- nication notification special ID field matched to the sales factor ID and the RP line commu- nication notification-specific transmission time information field ' It is controlled so that the RP pre-commit notification special ID included in the commit notification special and the transmission time of the RP pre-commit notification are stored.

When the sending / receiving unit 110 receives the sale factor condition inquiry message, the control unit 120 stores the sale factor condition inquiry professional ID, sales factor ID, purchase company ID, sales company ID, sales receivable amount, The sale factor condition inquiry professional ID, the sales company ID, the sales company ID, the sales receipt amount, the payment machine date, and the sales factor condition inquiry specialized reception time point are stored in the RP condition reply DB 187 And controls so that the credit risk rate coincidentally matched to the read purchase company ID and the in-house factor ID is retrieved from the transaction company DB 150. In the procurement rate DB 160, Quot; payment period " is extracted so that the procurement interest matched at the same time to the corresponding period section and the in-house factor ID is extracted, and in the factor DB 180, the purchase factor payment guarantee matched with the read sales factor ID Required margin and purchase Factoring emitter is controlled so that the search requires margin and other costs per RP.

According to another embodiment of the present invention, instead of controlling the purchase factor payment guarantee margin matched with the sale factor ID, the purchase factor factoring margin, and other costs per RP in the factor DB 180, the parameter storage unit 190 ), The purchase factor payment guarantee margin parameter and the purchasing factor factoring margin parameter and the other cost parameter per RP can be controlled to be retrieved.

The embodiment described above is an embodiment in a case where it is intended to prepare for the need to differentiate one or more of the 'purchase factor guarantee guarantee required margin, purchase factor factoring required margin and other costs per RP' for each sales factor, and in the latter embodiment Is an example in the case where there is no need to differentiate between the 'purchase factor required guarantee guarantee required margin and purchase factor factoring required margin and other costs per RP'.

In this specification, two different purchasing factor systems are exemplified and one is an example of carrying out the former embodiment and the other is an example of carrying out the latter embodiment.

If the purchase factor payment guarantee margin, the purchase factor factoring margin, and other costs per RP are found as described above, the control unit 120 calculates a sum of the credit risk cost ratio and the purchase factor guarantee guarantee margin And a value obtained by adding the credit risk cost rate and the extracted procurement interest rate to the purchase factor factoring required margin is calculated as a purchase factor factoring charge rate, and the predetermined purchase factor condition reply expert ID Respectively.

According to another embodiment of the present invention, when the sales factor condition inquiry search selection information is input to the input unit 192, the control unit 120 records the sales factor condition inquiry special ID in the RP condition reply DB 187 The selling factor condition inquiry professional ID, the selling factor ID, the purchasing company ID, the amount of the sales receipt amount, and the sales amount of the purchased record condition for each record extracted in the output unit 191, And a predetermined condition reply confirmation box is displayed on the basis of the payment date, the payment date and the payment guarantee rate field, the factoring fee rate field and the input confirmation box ' (Hereinafter referred to as 'payment guarantee rate input data') and a 'factoring fee rate input' (hereinafter referred to as 'payment guarantee rate input data') are input to the input unit 192 in a state in which the factor condition inquiry search screen is output (Hereinafter referred to as " input confirmation box selection information ") and a condition reply confirmation box (hereinafter referred to as " input confirmation box selection information " (Hereinafter referred to as 'condition reply confirmation box selection information') is inputted, control is performed so that a predetermined purchasing factor condition reply special ID is generated.

Then, the control unit 120 determines whether or not the professional creation unit 130 has determined that the purchase factor provision guarantee rate, the purchase factor factoring fee rate, the purchasing factor condition reply special ID, the sales factor condition inquiry professional ID extracted from the RP condition reply DB 187, The purchaser company ID, the receivable amount, the payment date, the purchase factor ID, and the 'other cost per retrieved RP number'. When the transmission / reception unit 120 receives the purchase factor condition reply And transmits the purchase factor condition reply special ID and the purchase factor condition reply special ID to the RP condition reply DB 187, The control unit controls to store the calculated or inputted purchase factor payment guarantee rate and the calculated or inputted purchase factor factoring fee rate and the transmission factor of the purchase factor condition reply.

When the transmission / reception unit 110 receives the RP application telegram, the control unit 120 determines whether the RP application professional ID, the sales factor ID, the RP line commu- nication notification special ID, and the purchase factor condition reply special ID , 'Payment guarantee rate and payment guarantee fee', 'purchase factor factoring fee rate and purchasing factor factoring fee', and other expenses per RP and 'purchasing company ID and sales company ID and accounts receivable amount and payment date' are read out .

If the RP preliminary commodity notification special ID is read in the RP request specialist, the controller 120 determines whether the purchase factor preliminary fee rate is read in the RP application.

If it is determined that the purchase factor factoring fee rate has been read in the RP application, the control unit 120 obtains the sales factor ID, the RP line commitment notification professional ID, the RP application professional ID, the purchase factor factoring fee rate, The sales factor ID, the sales receivable amount, and the payment date are matched and stored in the RP line commission DB 170. In the RP line commission DB 170, the sales factor ID and the RP line commission notification An RP-line commitment limit, an RP-line commitment expiry date, and a purchase factor guarantee-guarantee rate, which are simultaneously matched to the professional ID and the purchase company ID, are retrieved, and the 'purchase factor payment guarantee Required margin and purchase factor Factoring required margin and other costs per RP '. (According to another embodiment of the present invention, the purchase factor payment guarantee margin, the purchase factor factoring margin, and other costs per RP are matched to the sales factor ID in the factor DB, You can also control.)

On the other hand, if at least one of the RP line commitment limit, the RP line commitment expiry date and the purchase factor payment guarantee fee rate is not retrieved from the RP line commitment DB 170, the control unit 120 controls to generate a predetermined RP application error notification special ID , The professional preparation unit 130 controls to generate a predetermined RP application error notification telegram including the RP application error notification special ID and the predetermined error details, and the transmission / reception unit 110 transmits the RP application error notification telegram to the RP To the sales factor system 200 matched with the sales factor ID read from the application expert.

On the other hand, if both the RP line commitment limit, the RP line commitment expiry date and the purchase factor payment guarantee fee rate are both found in the RP line commitment DB 170, the controller 120 determines that the 'receivable amount read from the RP application is' Determines whether or not the RP line commitment limit is within the RP line commitment limit searched in the commitment DB 170 (decision 4 of the RP line commitment) The purchase factor factoring fee rate read out in the RP application specialist is the same as the purchase factor charge rate calculated in the RP line commission DB 170 and the procurement rate DB Quot; obtained by summing up the procurement interest rate matched in the period corresponding to the read out payment due date and the required purchase factor fact-finding margin at step 160 and subtracting the searched purchase factor payment guarantee required margin & It is judged whether or not it agrees with the factoring fee rate (judgment of RP line commitment No. 6) If the purchase factor factoring fee is read out, it is judged whether the purchase factor factoring fee is equal to the purchase factor factoring fee calculated by applying the calculated purchase factor factoring fee to the period until the read payment date 7), and judges whether the 'other expenses per RP read out in the RP application is matched with' the other expenses per RP found above '(RP decision 8).

If at least one of the RP pre-commodity fourth judgment, the RP pre-commodity fifth judgment, the RP pre-commodity sixth judgment, the RP pre-commodity seventh judgment and the RP pre-commodity eighth judgment is negative (NO) , And the case where at least one of the RP line commitment limit, the RP line commitment expiry date, and the purchase factor payment guarantee rate is not retrieved is controlled.

On the other hand, if both the RP pre-commodity fourth judgment, the RP pre-commodity fifth judgment, the RP pre-commodity sixth judgment, the RP pre-commodity seventh judgment and the RP pre-commodity eighth judgment are both positive (Yes) The RP factor preliminarily matched to the sales factor ID and the purchasing company ID in the RP line commu- nication DB 170 is controlled so that the RP factor commitment limit matched to the sales factor ID in the factor DB 180, To be updated to an amount obtained by subtracting the amount of money, and to control that the sales receipt amount is deposited with the searched sales factor account ID.

On the other hand, if it is determined that the purchase factor factoring fee rate has not been read in the RP application specialist, the control unit 120 transmits the sales factor ID, the RP line commitment notice professional ID, the RP application professional ID, The sales factor ID, the sales receipt amount, and the payment date are matched and stored in the RP line commission DB 170, and the sales factor ID and the RP line commission notification The RP pre-commit limit, the RP pre-commodity expiration date, and the purchase factor guarantee guarantee rate, which are simultaneously matched to the professional ID and the purchase company ID, are retrieved, and other expenses per RP matched to the sales factor ID in the factor DB 180 To be retrieved. (According to another embodiment of the present invention, it is possible to control the parameter storage unit to search for the other costs per RP, instead of controlling to search for the sales factor ID in the factor DB.)

If the RP preliminary transaction limit, the RP preliminary commodity expiration date and the purchase factor payment guarantee fee rate are searched, the control unit 120 determines that the amount of the receivable amount read in the RP application is less than the RP Is determined to be within the "pre-commitment limit" (determination of the RP line is fourth), and whether or not the payment date read in the RP application is within the RP line commitment expiry date retrieved from the RP line commitment DB 170 And determines whether or not the purchase factor payment guarantee rate read by the RP application application matches the purchase factor payment guarantee rate retrieved from the RP line commission DB 170 (the RP line commitment ninth judgment) If the purchasing factor guarantee guarantee fee is read out in the specialist application for the RP, the 'purchase factor guarantee guarantee fee' matches the purchase factor guarantee guarantee fee calculated by applying the searched purchase factor guarantee guarantee rate to the read payment date (Judgment of RP line commitment tenth) It is judged whether the other expenses per RP read out in the audition coincide with the 'other expenses per RP found above' (RP decision 8th judgment).

Then, the control unit 120 judges that both the RP pre-commodity fourth judgment, the RP pre-commodity fifth judgment, the RP pre-commodity ninth judgment, the RP pre-commodity tenth judgment and the RP pre-commodity eighth judgment are both positive The RP line commitment limit 'matched at the same time as the sales factor ID and the purchase company ID in the RP line commitment DB 170 is reduced by the sales receipt amount, and the RP line commitment fourth determination and the RP line commitment If it is determined that at least one of the fifth judgment, the RP line commission ninth judgment, the RP line commission tenth judgment and the RP line commission eighth judgment is negative (No), it is controlled so that a predetermined RP application error notification special ID is generated, The control unit 130 controls the specialized writing unit 130 to create a predetermined RP application error notification telegram including the RP application error notification special ID and the predetermined error details, and the transmission / reception unit 110 transmits the RP application error notification telegram to the RP To the sales factor system 200 matched with the sales factor ID read from the application expert.

On the other hand, the control unit 120 controls the RP condition reply DB 187 to retrieve the 'purchase factor condition reply specific ID' read in the above-mentioned specialization if the RP line commitment notification special ID is not read in the RP application.

If the purchase factor condition reply special ID is not found, the control unit 120 controls to generate a predetermined RP application error notification special ID, and outputs the RP application error notification special ID and the predetermined error detail ID To the sales factor system 200 that matches the sale factor ID read out from the message in the RP application, and sends the message to the sale factor system 200, Transmission '.

When the purchase factor condition reply special ID is searched, the control unit 120 determines whether the purchase factor fact rate is read in the RP application.

If it is determined that the purchase factor factoring rate has been read, the control unit 120 reads the sales factor ID, the purchase factor condition reply special ID, the RP application special ID, the purchase factor factoring fee rate, the purchase factor factorization And the RP fee condition DB 187 stores in the RP condition reply DB 187 the sales factor ID and the purchase factor condition reply The sales receivable amount, the payment machine day, and the purchasing factor factoring fee which are simultaneously matched to the professional ID and the purchasing company ID are controlled to be retrieved, and the factor DB 180 controls to search for other expenses per RP matched to the sales factor ID.

When the sales receivable amount, the payment machine date, and the purchasing factor factoring fee rate are searched, the control unit 120 determines that the amount of the receivable amount read in the RP application is equal to the amount of the receivable amount searched in the RP condition reply DB 187 (The RP condition reply first judgment), and judges whether the 'payout date read in the RP application full' matches the payment date 'retrieved from the RP condition reply DB 187 (the RP condition reply second judgment) , And determines whether the purchase factor factoring rate read from the RP application specialist matches the purchase factor factoring fee rate retrieved from the RP condition reply DB 187 (RP condition reply third judgment) If the factor factoring fee is read, the purchase factor factoring fee matches the purchased factor factoring fee calculated by applying the searched purchase factor factoring fee to the matching receivables amount to the searched payment date Judgment (RP And the other expenses per RP read out in the RP application are stored in the parameter DB 190 and the other expenses per RP stored in the factor DB 180, Other costs per RP '(RP judgment 7).

If at least one of the RP condition reply first judgment, the RP condition reply second judgment, the RP condition reply third judgment, the RP condition reply fourth judgment and the RP condition reply seventh judgment is negative (No), the controller 120 ) Controls to generate a predetermined RP application error notification special ID, and controls so that the specialization creating unit 130 creates a predetermined RP application error notification full message including the RP application error notification special ID and the predetermined error details And the transmission / reception unit 110 transmits the RP application error notification telegram to the sales factor system 200 matched with the sales factor ID read from the RP application.

If both the RP condition reply first judgment, the RP condition reply second judgment, the RP condition reply third judgment, the RP condition reply fourth judgment and the RP condition reply seventh judgment are both positive (Yes), the control unit 120 , The selling factor ID corresponding to the sales factor ID is extracted from the factor DB 180, and in the RP condition reply DB 187, the selling factor ID, the purchasing company ID, the receivables amount and the due date are matched Controls to store a purchasing factor completion code in a record, and controls the receipt amount to be deposited with the extracted sales factor account ID.

On the other hand, if it is not determined that the purchase factor fact-finding rate has been read, the controller 120 checks the sales factor ID, the purchase factor condition reply special ID, the RP application special ID, the purchase factor payment guarantee rate, And the RP condition reply DB 187 controls the RP condition reply DB 187 to store the purchase factor ID and the purchase factor condition The sales receivable amount, the payment machine work, and the purchase factor guarantee guarantee rate, which are simultaneously matched to the reply professional ID and the purchase company ID, are retrieved.

When the sales receivable amount, the payment machine date, and the purchase factor payment guarantee rate are searched, the control unit 120 determines whether the amount of the receivable amount read in the RP application is equal to the amount of the receivable amount retrieved from the RP condition reply DB 187 (The RP condition reply first judgment), and judges whether the payment date read in the RP application application is matched with the payment date retrieved from the RP condition reply DB 187 (the RP condition reply second judgment) , It is determined whether or not the purchase factor payment guarantee rate read from the RP application specialist matches the purchase factor payment guarantee rate retrieved from the RP condition reply DB 187 (fifth determination of the RP condition reply) If the purchase factor payment guarantee fee is read, the 'purchase factor payment guarantee fee' is calculated by applying the searched purchase factor payment guarantee rate to the matched accounts receivable amount for the period up to the retrieved payment date, Guarantee fee ' And the other expenses per RP that are read in the RP application are compared with the sales factor ID stored in the factor DB 180, (The seventh judgment of the RP condition reply) whether or not it coincides with one of the 'other costs per RP number stored in the memory 190'.

Subsequently, the control unit 120 determines that both the RP condition reply first judgment, the RP condition reply second judgment, the RP condition reply fifth judgment, the RP condition reply sixth judgment and the RP condition reply seventh judgment are both positive (Yes) In the RP condition reply DB 187, the payment guarantee completion code is stored in the record where the sales factor ID, purchase company ID, sales receivable amount, and payment date match, and at least one of the judgments If it is determined to be negative (No), control is made so that a predetermined RP application error notification special ID is generated, and the specialization preparing unit 130 generates a predetermined RP application error notification notice including the RP application error notification special ID and the predetermined error details And the transmission / reception unit 110 controls the transmission request error notification advertisement to be transmitted to the sales factor system 200 matched with the sale factor ID read from the RP application.

The expert preparation section 130 creates an RP line commitment notification complete message including an RP line commitment notice special ID, an in-house factor ID, an RP line commitment list, and a recommended interest table, under the control of the control section 120, 'Purchase Factor' and 'Purchase Factor Factoring Rate' and Purchase Factor Conditions The return specialist ID and sales factor conditions are included. The professional ID and purchasing company ID and the sales receivable amount, the dispenser work, the purchase factor ID and the RP Purchase Factor Condition Complete reply

Under the control of the control unit 120, the financial calculator 135 calculates a value obtained by summing the credit risk cost rate and the margin required for guaranteeing the purchase factor payment as a purchase factor guarantee guarantee rate, and calculates a credit risk cost rate and a procurement interest rate, Is calculated as a purchase factor factoring rate.

As illustrated in FIG. 16, under the control of the control unit 120, the sales receipt RPDB 145 is configured to include an RP application professional ID, a sales factor ID, an RP line commitment notification special ID, a sales factor condition inquiry special ID, Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Purchase Factor Factor Factoring fees and other costs per RP and RP application error notification Professional ID and RP application error notification Professional transmission point is stored.

As illustrated in FIG. 18, under the control of the control unit 120, the transaction company DB 150 stores 'credit limit per credit card, credit limit expiration date and credit risk cost rate per factor ID' The local ID and the account ID of the trading company are stored.

In the procurement interest DB 160, as shown in FIG. 20 under the control of the control unit 120, the procurement rate for each period section is stored in correspondence with the factor ID.

As exemplified in Fig. 24, under the control of the control unit 120, the RP line commitment DB 170 is matched with the factor ID and the transaction company ID, and the RP line commitment limit, the RP line commitment expiry date, the purchase factor payment guarantee rate And a special ID of the RP pre-notification and a transmission time of the RP pre-notification.

As illustrated in FIG. 25, the factor DB 180 stores a purchase factor payment guarantee margin, a purchase factor factoring margin, other expenses per RP, and an account ID, which are matched with a factor ID .

According to another embodiment of the present invention, at least one of the purchase factor payment guarantee margin, purchase factor factoring margin, and other expenses per RP is stored in the factor DB 180 instead of being stored in the factor DB 180 .

27, under the control of the control unit 120, the RP condition reply DB 187 stores sales factor condition inquiry professional ID, sales factor ID, purchase company ID, sales company ID, trade receivable amount, Sales Factor Condition Reception Time and Purchase Factor Payment Guarantee Rate and Purchasing Factor Factoring Rate and Purchase Factor Condition Reply Special ID and Purchase Factor Condition Reply Transfer time point is matched and stored

In the parameter storage unit 190, as shown in FIG. 28 under the control of the control unit 120, a purchase factor payment guarantee required margin parameter, a purchasing factor required margin parameter, and other cost parameters per RP are stored.

According to another embodiment of the present invention, instead of storing at least one of the purchase factor payment guarantee required margin parameter, the purchasing factor required margin parameter, and other cost parameters per RP, in the parameter storage unit 190, May be stored for each factor ID.

A predetermined sales factor condition inquiry search screen is output to the output unit 191 under the control of the control unit 120. [

The input unit 192 can input IDs of various authorities and can input a credit limit line registration list. The input unit 192 matches various RP-related margins and costs by matching with the sales factor ID, The transaction company ID can be input and the RP line commitment limit, the RP line commitment expiry date, and the purchase factor guarantee guarantee rate can be inputted by matching with the transaction company ID, and the purchase factor payment guarantee rate and purchase order Factor factoring rate and so on.

3 is a block diagram of a sales factor system in accordance with one embodiment of the present invention.

The sales factor system 200 includes a transmission and reception unit 210, a control unit 220, a professional preparation unit 230, a financial operation unit 235, a trade receivable factoring DB 240, a transaction company DB 250, 260, a factor DB 280, an alternative storage unit 285, a sales factor condition inquiry DB 286, and a parameter storage unit 290.

The transceiver 210 communicates with the purchasing factor system 100 and the sales company system 300,

The sales company system 300 receives the specialization request for the RP line commitment notification, the purchase factor condition reply specialist, the sales company condition inquiry specialist and the factoring application specialist, and the sales factor condition reply specialist and the sales receipt information mismatch notification specialist, And transmits the sales factor condition inquiry telegram and the RP application telegram to the purchasing factor system 100.

When the transceiver 210 receives the RP line commu- nication notification telegram, the control unit 220 determines that the RP line commu- nication notification special ID, the purchase factor ID, and the RP line commissioning limit and the RP line commencement expiration date And the purchase factor factoring procurement interest rate proposed by the purchasing factor to the sales factor are matched and listed on the basis of the RP factor commitment list matched with the purchase factor payment guarantee rate and the purchase factor factoring period, The fact that the factor ID is matched with the purchase factor ID read out from the RP line commit notification notification in the transaction company DB 250 and the transaction company ID is also read out from the RP line commit list of the RP line commit notice And the credit risk cost rate matched with the transaction company ID 'taken is retrieved.

If the credit risk ratio is not searched, the control unit 220 determines in the transaction company DB 250 'an RP pre-commodity notification specialized ID field that matches the purchase factor ID, a credit limit field, a credit limit expiration date field, The credit risk rate field, the credit limit field, and the credit limit field are validated, and if the fields are not retrieved, A field matching with the transaction company ID is retrieved from the transaction company DB 250 when the fields are retrieved and when the fields are added as described above.

If the record is not searched, the control unit 220 controls the transaction company DB 250 to add a new record in which each transaction company ID included in the read RP line commitment list is a transaction company ID , 'When the credit risk cost rate is retrieved' and 'when a record matching the transaction company ID is retrieved' and 'when a record is added as described above', in the transaction company DB 250, The credit limit and the credit limit expiration date at which both the purchasing factor ID and the transaction company ID read at the same time are matched to each other are compared with the transaction company ID in the RP pre- And the credit risk cost rate, in which both the purchase factor ID and the transaction company ID are matched, is updated to the pre-commitment limit and the RP pre-commission expiration date, Payment guarantee rate ' Is updated to a value obtained by adding the purchasing factor ID and matched purchasing factor credit risk cost rate in the 'factor DB 280', 'RP line commitment notice professional ID' matched with the purchase factor ID in the updated record is' To be read to the RP line commitment notification special ID read in the RP line commitment notification special.

The control unit 220 also controls the procurement interest DB 260 to search for a field matched with the purchase factor ID read out from the prover, when the proposal interest table is read in the RP line commit notification notifications, If the field is not searched, control is performed so that a field matched with the read purchase factor ID is added to the procurement interest DB 260. If the field is searched and the field is added, The purchasing factor factoring period 'included in the recommended interest rate table read out in the above-mentioned specialization is retrieved. If the period is not retrieved, the procurement rate DB 260 stores the' A field containing a period including the purchase factor factor is found, and a case where a field matched with the purchase factor ID is found, and a period when the purchase factor factor period is included, And 'procurement rate matched to the period in the read proposed rate table' are added to each cell simultaneously matched to the purchase factor ID and the period section in the procurement rate DB 260 To be stored

The control unit 220 also controls the procurement interest DB 260 to search for a field matched with the purchase factor ID read out from the proposal if the proposal interest table is not read in the RP line commit notification notifications, If a field matched with the purchase factor ID is not found, control is performed so that a field matched with the read purchase factor ID is added to the procurement interest DB 260. If the field matched with the purchase factor ID is found, If the 'field is added', the procurement rate DB 260 controls to store a mark indicating that the procurement rate does not exist in each cell that simultaneously matches the purchase factor ID and the period.

In addition, when the sending / receiving unit 210 receives the sales company condition inquiry message, the control unit 220 stores the sales company condition inquiry professional ID, the purchase company ID, the purchase company location area ID, the sales company ID, And records the read information and sales company condition inquiry-specific reception time point by matching with the read-out sales company condition inquiry professional ID in the sales receivable factoring DB 240, 250), a credit limit that is simultaneously matched to an 'In-hpuse factor ID and a sales company ID' (hereinafter referred to as a 'seller company credit limit') and an 'In-hpuse factor ID' (Hereinafter referred to as the 'expiration date of the seller's credit limit') is extracted.

If at least one of the selling company credit limit and the sales company credit limit expiration date is not extracted, the control unit 220 displays 'not factible' in the corresponding receivable sale factor factoring fee field of the receivables factoring DB 240 If the sales company credit limit and the sales company credit limit expiration date are extracted, the 'sales receipt amount read out in the sales company condition inquiry specialist' is stored in the sales company database 250 (5th judgment of the sales factor) and determines whether the payment date read out in the above sales company condition inquiry specialization is within the validity date of the sales company credit limit retrieved from the transaction company DB 250 6 judgment).

Then, the control unit 220 determines whether or not a sales receipt having at least one of the sales factor fifth judgment and the sales factor sixth judgment is negative (No) in the corresponding receivable sales factor factoring fee rate field of the sales receipt factoring DB 240 The control section 220 stores a code indicating that the sales factor 5th judgment and the sales factor sixth judgment are both positive (Yes) Parameter so that a factor ID (hereinafter, referred to as 'automatic inquiry admission factor ID') matched with the value 'within the above-mentioned automatic inquiry admission time parameter' is retrieved in the factor DB 280 Extracts a cover area ID matched with the automatic inquiry recognition factor ID in the factor DB 280 when one or more of the automatic inquiry acceptance factor IDs are extracted, Your location region ID is (Hereinafter referred to as "coverage area judgment").

Then, the control unit 220 controls the factor DB 280 to parallise the automatic inquiry recognition factor ID with respect to the trade receivable in which the cover region judgment is affirmative, and acquires the purchase factor credit (Hereinafter, referred to as a "sales factor third judgment") of the purchasing factor credit limit is greater than or equal to the 'receivable amount of the parity-linked trade receivable' (Hereinafter, referred to as a 'sales factor seventh judgment'), and when the expiration date of the purchasing factor credit limit is 'the paired sales receivables' (Hereinafter referred to as "fourth factor of selling factor").

Subsequently, the control unit 220 determines whether the parity of the automatic inquiry admission factor ID 'and the parity of the automatic inquiry admission factor' in the transaction company DB 250 is positive for both of the sales factor third judgment, the selling factor seventh judgment and the selling factor fourth judgment. A credit limit that is simultaneously matched to the purchase company ID 'of the trade receivable paired with the automatic inquiry admission factor ID is searched. If the credit limit is not searched, it is determined that the sales factor condition inquiry specialization preparation is necessary. , It is determined in the transaction company DB 250 whether the credit limit matched to both the 'purchasing company ID of the paring sales receivable' and the 'paired automatic inquiry recognition factor ID' is equal to or greater than the receivable amount of the receivable 1), it is judged whether the credit limit expiration date matched both in the credit limit and the automatic inquiry recognition factor ID in the transaction company DB 250 is the payment date of the trade receivable or not (the selling factor second judgment ).

Then, when it is determined that both the sales factor first judgment and the sales factor second judgment are satisfied, the control section 220 determines that the creation of the sales factor condition inquiry telegraph is unnecessary, and when the selling factor first judgment and the selling factor second judgment If the above is not satisfied, it is necessary to prepare a special inquiry for sales factor condition.

On the other hand, if the automatic inquiry admission factor ID is not extracted, or if it is negative in the cover region determination, or if the negative factor is one of the selling factor third judgment, the selling factor seventh judgment and the selling factor fourth judgment, It is determined in the 'transaction company DB 250' whether at least one factor ID matched to the purchase company ID of the trade receivable and the credit limit simultaneously matched to the purchase company ID 'is greater than or equal to the receivable amount of the trade receivable (The second factor of the sales factor) whether or not the credit limit expiration date matched with the factor ID in which the first judgment is positive in the transaction company DB 250 is the payment date of the receivable or later, In the factor DB 280, the purchase factor credit limit matched with the factor ID excluding the in-house factor ID among the factor IDs in which the second determination is positive, the purchase factor credit limit expiration date, and the minimum amount per RP , The purchase (Hereinafter, referred to as a 'sales factor third judgment'), and the factor DB 280 determines whether or not the factor of purchase is equal to or greater than the value of the sales receivable (Hereinafter referred to as a "sales factor fourth judgment") whether the credit limit expiration date is the payment due date of the corresponding receivables or not (hereinafter referred to as "fourth factor judgment"), (Hereinafter referred to as "sales factor seventh judgment"), and the third factor of the sales factor, the fourth judgment, and the seventh judgment are positive for the in-house factor ID do.

Then, the control unit 220 determines whether the sales receivable is positive for both the sales factor first judgment, the selling factor second judgment, the selling factor third judgment, the selling factor seventh judgment and the selling factor fourth judgment for one or more factor IDs It is judged that the sales factor condition inquiry professional creation is unnecessary, and for the non-receivable trade receivable, the code for the meaning of 'not factoring' is stored in the sales factor factoring fee rate field of the record of the sales receivable factoring DB 240.

Further, the control unit 220 controls so that a predetermined sales factor condition inquiry special ID is generated when it is determined that the sales factor condition inquiry specialization creation is necessary, and when the specialty preparation unit 230 receives the sales factor condition inquiry special ID and the sales factor ID And a predetermined sales factor condition inquiry message including the purchase company ID, the sales company ID, the receivables amount, and the due date, and the transmission / reception unit 210 transmits the created sales factor condition inquiry message to the sales factor condition To the purchasing factor system 100 matched with the factor ID paired with the sales receipt targeted by the inquiry specialist, and transmits the sales company condition inquiry professional ID, the purchase company ID and the sales company condition ID to the sales factor condition inquiry DB 286 A sales factor condition inquiry professional ID and a sales factor condition inquiry specialized transmission time are formed and stored as a single record, and the alternative storage unit 285 stores the sales receipt amount, The sales company condition inquiry professional ID stored in the sales factor condition inquiry DB 286, the purchasing company ID, the receivables amount and the payment due date stored in the sales factor condition inquiry DB 286 are stored in the alternative storage unit 285, The purchase factor ID stored in the factor condition inquiry DB 286 is checked to see if there is a matched field, and if the field does not exist, the 'purchase factor ID' and the FRP identification information (e.g., FRP) And the 'field in which the purchase factor ID and URP identification information (e.g., URP) match' are added.

In addition, when it is determined that the sales factor condition inquiry specialization is unnecessary, the control unit 220 stores the sales company condition inquiry professional ID, the purchase company ID, the receivables amount and the due date in the alternative storage unit 285 as one record In all the fields in which the FRP is matched with all the factor IDs in which the sales factor first judgment and the second judgment can both be determined to be positive, DB 250 periodically corresponding to each credit risk cost rate matched to the factor ID and the purchasing company ID of the record from the procurement rate DB 260 to the payment due date of the record, ID and the in-house factor ID, respectively. If the in-house factor ID is an in-house factor ID, the in-house factoring required margin parameter stored in the parameter storage unit 290 is used. margin Parameter, and when the factor ID is not the in-house factor ID, a value obtained by subtracting the risk factor rate of the purchasing factor matched to the factor ID in the factor DB 280 is stored as the sales factor factoring fee rate , A factor ID other than the in-house factor ID among all the factor IDs in which the sales factor first judgment and the second judgment both can be judged as positive for the sales receivable of each record stored as described above in the alternative storage unit 285 'And the' credit risk cost rate 'simultaneously matched to the corresponding factor ID and the purchase company ID in the' transaction company DB 250 'and the' procurement rate DB 260 ' Funded RP sub-factoring required margin parameter stored in the parameter storage unit 290 and the procurement rate matched simultaneously to the in-house factor ID and the in-house factor ID corresponding to the period until the sales factor factoring fee As shown in FIG.

In addition, when the transceiver 210 receives the purchase factor condition reply message, the control unit 220 determines whether the purchase receipt amount matched with the purchase company ID, the payment machine payment date, the purchase factor payment guarantee rate, Other factor ', purchase factor condition reply special ID and sales factor condition inquiry professional ID and purchase factor ID are read out, and in sales factor condition inquiry DB 286,' sales factor condition inquiry professional ID, purchasing company ID and sales A purchase factor payment guarantee fee rate, a purchase factor factoring fee rate, other costs per RP, and a purchase factor condition reply from the record And controls so that the purchaser factor credit risk cost rate matched with the factor ID of the extracted record is extracted from the factor DB 280, Is added to the purchase factor provision guarantee rate stored in the sales factor condition inquiry DB 286 to be stored as a credit risk cost rate matched with the purchase factor guarantee charge rate in the sales factor condition inquiry DB 286 do.

Subsequently, the control unit 220 searches the alternative storage unit 285 for a record in which 'purchase company ID, sales receivable amount, and payment due date', which correspond to the read purchase company ID, sales receivable amount, and payment due date, In the sales factor condition inquiry DB 286, the 'purchase company ID, sales receivable amount, and payment date' are matched with the 'purchased company ID, (A + B) obtained by adding the purchasing factor factoring rate A of the record in which the ID, the sales receivable amount and the payment date are stored, and the Funded RP sub-factoring required margin parameter B stored in the parameter storage unit 290, Is stored as the selling factor factoring rate.

The control unit 220 reads the credit risk cost ratio C of the record of the sales factor condition inquiry DB 286 in the field matched with the factor ID and URP in the record of the alternative storage unit 285, A procurement interest rate D that is simultaneously matched to a period and an in-house factor ID corresponding to a period from the procurement interest DB 260 to the payment due date of the record, And the value (C + D + E) obtained by adding the RP sub-factorization required margin parameter (E) 'is stored as the sales factor factoring rate

In addition, the control unit 220 determines whether all of the purchase factor condition reply professional IDs matching the sales factor condition inquiry professional ID matched to the sales company condition inquiry professional ID matching with the corresponding sales company condition inquiry DB 286 are stored in the sales factor condition inquiry DB 286 The automatic inquiry admission time parameter stored in the parameter DB 290 is added to the time when the sales factor condition inquiry-related inquiry sending time and the sales company condition inquiry inquiry receiving time are postponed in the case where the A judgment is negative (Not shown). If it is not reached, the A determination is repeated. If the A has arrived, or if the A determination is positive, the sales factor condition reply DB 240 determines that the sales factor condition reply special ID Quot; sales object condition inquiry professional ID " that is not matched.

Then, the control unit 220 controls the alternative storage unit 285 to search for 'the purchase company ID of the extracted record, the record of matching the sales receipt amount and the payment machine job', and the alternative storage unit 285 , And controls so that one of the lowest sales factor factoring rates is retrieved by a predetermined rule when a plurality of the lowest sales factor factoring rates exist, (FRP or URP), and controls the sales receivable factoring DB 240 to store the extracted 'sales factor factoring rate, factor ID and RP method' in the corresponding receivables record.

If the extracted factor ID is the ID of the in-house factor, the control unit 220 extracts the sales factor and other costs from the parameter storage unit 290, Is extracted from the factor DB 280, if the factor 'ID' is the ID of the other factor, the other cost per RP matched to the factor ID is extracted. If the other cost per RP is not extracted from the factor DB 280, DB 286 and controls the other receipts for each extracted RP to be stored in the receivables factoring DB 240 as other costs per RP of the corresponding record.

Then, the control unit 220 determines whether the in-house factor ID is stored in the purchase factor ID field among the records in which the other expenses per RP are stored, in the receivables factoring DB 240. If the determination is affirmative, Control is performed so as to store 'information indicating that nothing is relevant' in the purchase factor payment guarantee rate field and the purchasing factor factoring fee rate field of the corresponding record in the bond factoring DB 240. If the determination is negative, the value stored in the RP method field of the record is stored in the FRP .

If the value stored in the RP method field is FRP, the control unit 220 controls the 'Funded RP part required margin parameter' to be extracted from the parameter DB 290, The purchase factor factoring fee rate is calculated by subtracting the parameter from the factor factoring fee rate and stored in the purchase factor factoring fee field of the record so that the period until the 'payment due date of the record' The purchase factor factoring fee is calculated by applying the 'purchase factor factoring rate' to the purchase factor factoring fee field of the record

If the value stored in the RP method field is not FRP, the control unit 220 reads the company ID stored as the purchasing company ID and the factor ID stored as the purchasing factor ID in the transaction receipt factoring DB 240 in the transaction company DB 250, And if the credit risk cost rate is searched, the credit risk cost rate matched to the factor ID in the factor DB 280 is subtracted from the credit risk cost rate, When the credit risk cost ratio is not retrieved, the sales factor condition inquiry DB 286 determines whether or not the record of the record of the sales receipt factoring DB 240 is stored The record of the purchasing factor of the record is extracted from the records of the receivable factoring DB 240, The controls to be saved as a buying factor payment guarantee rate

If the purchase factor payment guarantee rate is stored as described above, the control unit 220 determines whether the 'receipt amount of the sales receivable factoring DB 240' is 'up to the payment due date of the record'Quot; guarantee rate " is applied to calculate the purchase factor payment guarantee fee, and controls to be stored as the purchase factor guarantee guarantee fee of the record.

If the purchasing factor factoring fee or the purchase factor payment guarantee fee is stored in the corresponding record of the trade receivable factoring DB 240 as described above, the control unit 220 determines whether the sale factor factoring fee is matched for each record matched with the sales factor factoring fee And controls the purchase factor ID to be matched so as to be summed up by the matched purchasing factor IDs. In the factor DB 280, the purchase amount of the purchasing pack matched with the sum of the sum of the sales receipt amount The credit limit of the factor is reduced by the summed amount, and if the matched factor ID is the ID of the in-house factor, control is performed so that the reduction is not performed.

Then, the control unit 220 controls the sales receivable amount, the purchase factor ID, and the purchase company ID, which are matched according to the records matched with the sales factor factoring rates in the sales receivable factoring DB 240, to be retrieved, , The credit limit which simultaneously matches the purchasing company ID and the purchasing factor ID is reduced by the amount of the receivables, and the 'credit limit at which the purchasing company ID and the purchasing factor ID simultaneously match' If it is not searched, control is made to prevent such reduction.

Then, the control unit 220 determines whether the sales factor factoring rate stored in the sales receipt factoring DB 240 is greater than or equal to the value of the sales receipt amount of the record in which the sales factor factoring fee is stored, The sales factor factoring fee is applied to the period until the expiration date, so that the calculated sales factor factoring fee is stored in the corresponding record as the sales factor factoring fee.

Then, the control unit 220 controls the parameter storage unit 290 to retrieve the sales factor and other costs, and the sales factor and other costs are stored in the sales receipt factoring DB 240, To be stored as the sales factor and other costs of the record, together with the other costs per RP of the record.

Then, the control unit 220 controls so that a predetermined sales factor condition reply special ID is generated, and the professional preparing unit 230 records the sale factor condition reply special ID and the corresponding record of the record of the sales receivable factoring DB 240 A sales factor condition inquiry message including a condition inquiry professional ID, a purchase company ID, a sales receipt amount, a payment machine period, a sales factor factoring fee rate, a sales factor factoring fee, and a sales factor other cost ' ) To send to the sales enterprise system 300 the created sales factor condition reply special, matching the sales company condition inquiry special ID. In the sales receipt factoring DB 240, the sales factor condition reply special ID And the selling point of the sales factor condition reply is stored

In addition, when the sending / receiving unit 210 receives the facting application specialist, the control unit 220 determines that the selling factor condition reply special ID, the factoring application special ID, the purchasing company ID, the sales receivable amount, the dispenser job, the sales factor, The sales factor factoring fee and the sales factor and other expenses are read out, and the sales receipt factoring DB 240 records the records matching both the above-mentioned read specific selling condition condition reply special ID, the purchasing company ID, the receivables amount and the payment due date Is retrieved.

If the record is not searched, the control unit 220 determines whether the professional drafting unit 230 has received the predetermined sales receipt information including the read sales factor condition reply special ID, purchase company ID, sales receipt amount, And controls the transmission / reception unit 210 to transmit the sales receipt information mismatch notice telegram to the sales company system 300.

On the other hand, when the record is searched, the control unit 220 controls the sales factor factoring rate and the sales factor and other costs to be extracted from the record, and the ' The selling factor factoring fee is calculated to calculate the selling factor factoring fee, and whether or not the calculated selling factor factoring fee and the selling factor factoring fee read out in the specialization match do.

If the determination is negative, the control unit 220 determines whether the sales contract factoring inconsistency notification notification including the calculated sales factor factoring fee and the sales factor factoring fee read in the specialization And if the determination is affirmative, it is determined whether the extracted sales factor and other expense coincide with the sales factor or other expense read in the specialization.

If the determination is negative, the control unit 220 determines whether the sales contract factoring inconsistency notification notification including the extracted sales factor other expense and the sales factor other expenses read from the specialization If the determination is affirmative, control is performed so that the sales company account ID matched to the sales company ID is extracted from the transaction company DB 250. If the account corresponding to the sales company account ID is' The amount of the sales factor factoring fee and the sales factor and other expenses are deducted from the amount of money.

Then, the control unit 220 determines whether or not an ID other than the in-house factor ID is included in the purchase factor ID field among the records in which the RP application ID is not stored among the records in which the purchasing factor condition reply special ID is stored in the trade receivable factoring DB 240 Is controlled to be extracted so that the purchase company ID is extracted for each of the extracted records, and the transaction company DB 250 controls to search for 'the record in which the purchase company ID is stored' Control is performed so that an RP pre-commodity notification specialized ID matching the purchase factor ID of the sales receivable factoring DB 240 record is retrieved from the retrieved transaction company DB 250 record, The condition inquiry DB 286 controls to search for the purchase factor condition reply special ID of the record whose purchase company ID, sales receivable amount and payment date match those of the sales receivable factoring DB 240 record.

Then, the control unit 220 controls to generate a predetermined RP application professional ID for each of the record in which the RP line commitment notification professional ID is searched and the record in which the purchase factor condition reply special ID is searched, ID to be stored in the corresponding record of the receivable factoring DB 240 and controls the RP method to be retrieved for each record. When the FRP is searched for as the RP method, the professional preparing unit 230 reads' And the sales factor ID and the purchase ID of the corresponding record in the sales receipt factoring DB 240, the sales company ID, the sales receipt amount, A payment processor fee charging rate, a purchasing factor factoring fee, and other costs per RP, "and" an account ID "searched by matching the purchasing factor ID in the" factor DB 280 " RP method If the URP is retrieved, the professional preparing unit 230 receives the RP application special ID, the sales factor ID, the retrieved RP line commitment notification special ID, the purchasing factor condition reply special ID, and the sales receipt factoring DB 240), the sales company ID, the sales receipt amount, the payment machine date, the purchase factor payment guarantee rate, the purchase factor payment guarantee fee, and other expenses per RP 'and the factor DB 280 to the purchasing factor ID Account ID ".< / RTI >

Then, the control unit 220 controls the transmission / reception unit 210 to transmit the prepared RP application telegram to the purchasing factor system 100 matched with the purchase factor ID included in the message, The control unit controls to store the RP application telegram transmission time point by matching with the corresponding RP application telegram ID for each of the transmitted RP application telegrams, One of the fees and the purchase factor payment guarantee "and other costs per RP

The professional preparation unit 230 prepares a sales item condition inquiry telegram, a sales factor condition reply telegram, and an RP application telegram according to the control of the control unit 220.

Under the control of the control unit 220, the financial calculator 235 calculates a sales factor factoring fee by applying a specific sales factor factoring rate to a 'period until a specific payment date' with respect to a specific receivables amount.

29 and 40, under the control of the control unit 220, the sales receivable factoring DB 240 is provided with a sales company condition inquiry professional ID, a purchase company ID, a purchase company region ID, a sales company ID, Sales receivable amount, payment machine date and sales company conditions Reception time and sales factor Factor factoring rate, purchasing factor ID and RP method and other costs per RP and purchasing factor Factoring rate and purchasing factor Factoring rate and purchasing factor Payment guarantee rate and purchase factor Payment guarantee fee And Sales Factor Factoring and Sales Factor Other Cost and Sales Factor Conditions Reply Professional ID and Sales Factor Conditions Reply Specialized Transmission Point and RP Application Special ID and RP Application Specialized transmission point is stored

44, under the control of the control unit 220, the transaction company DB 250 simultaneously matches the factor ID and the transaction company ID to generate an RP preliminary commodity notification special ID, a credit limit, a credit limit expiration date, The credit risk cost rate is stored and the bank account ID of the trading company is stored matching the transaction company ID.

47, the procurement rate DB 260 is provided with a factor ID for the period corresponding to the matched period from the matched factor, which is simultaneously matched to the factor ID and the period period, under the control of the control unit 220. [ The procurement rate applied when procuring the necessary funds for the project.

As illustrated in FIG. 48, under the control of the control unit 220, the factor DB 280 is configured to match the factor ID with the upper limit of the individual inquiry time, the coverage area ID, the purchase factor credit risk cost rate, the purchase factor credit limit, Purchase Factor The credit limit expiration date, the minimum amount per RP, and other costs per RP and the bank account ID of the factor are stored.

The alternative storage unit 285 stores a sale factor, such as 'sales company condition inquiry professional ID, purchasing company ID, sales receivable amount, and payment date', by matching with sales factor according to the control of the control unit 220 Factors such as the sales factor factoring rate when performing the role of purchasing factor, the selling factor factoring rate when the risk factor of the specific purchasing factor is funded, and the factor of selling factor when the risk factor of the specific purchasing factor is unfunded Quot; rate " is stored.

58, the sales factor condition inquiry DB 286 stores sales company condition inquiry professional ID, purchase company ID, sales receipt amount, dispatcher work, purchase factor ID, sales factor, and sales factor, under the control of the control unit 220, Conditional inquiry Professional ID and sales factor condition Specialized transfer point and purchasing factor condition Reply special ID and purchase factor Payment guarantee rate and credit risk Cost rate and purchase factor Factoring rate and RP Other costs and purchasing factor conditions .

The parameter storage unit 290 stores an automatic inquiry recognition time parameter, a sales factor payment guarantee required margin parameter, a Funded RP sub-factoring required margin parameter, an Un-funded RP sub-factoring required margin parameter, and an In- house factoring required margin parameters and sales factor other cost parameters are stored.

4 is a block diagram of a sales company system according to an embodiment of the present invention.

The sales company system 300 includes a transmission / reception unit 310, a control unit 320, a professional preparation unit 330, a trade receivable factoring DB 340, an output unit 391, and an input unit 392.

The transmission / reception unit 310 receives the sales factor condition reply telegram, and transmits the sales company condition inquiry telegram and the fact finding application telegram to the sales factor system 200 under the control of the control unit.

When the factoring condition inquiry selection information is input to the input unit 392, the control unit 320 displays an inquiry target factor selection menu, a purchase company ID, a purchase company ID and an area ID as illustrated in FIG. 69 in the output unit 391 A predetermined receivable record input table capable of matching the receivable amount with the payment date, and a factoring condition inquiry confirmation box.

In addition, the controller 320 receives inquiry target factor selection information from the input unit 392 in a state in which the factoring condition inquiry screen is output, matches the purchase requester detail input table with the sales receipt history input table, and obtains the purchase company ID, And when the fact date and payment due date are inputted and the factoring condition inquiry confirmation selection information is inputted, the specialist preparing unit 330 controls to generate the sales company condition inquiry professional ID and the sales company condition inquiry professional ID, The transmission / reception unit 310 controls the sales factor system 200 (200) so as to generate a predetermined sales company condition inquiry message including the company ID, the purchase company ID, the receipt amount, the payment date, and the sales company ID, ), And stores the sales company condition inquiry professional ID, purchase company ID, sales receipt amount, payment machine date and sales company condition inquiry professional transmission point record in the trade receivable factoring DB 340 And controls to be stored.

In addition, when the sending / receiving unit 310 receives the sales factor condition reply special, the control unit 320 stores the sales company condition inquiry professional ID, the purchase company ID, the sales receipt amount, the payment machine job and sales factor condition reply special ID, The sales factor factoring rate, the sales factor factoring fee, and the sales factor other costs are read out, and in the trade receivable factoring DB 340, the sales company condition inquiry professional ID, the purchase company ID, the sales receivable amount and the payment date match And controls to store the read-in sales factor condition reply special ID, the sale factor condition reply-specific reception time information, the sales factor factoring fee, the sales factor factoring fee, and the sales factor and other costs in the record

Then, the control unit 320 applies the applied exchange rate retrieved from the applicable exchange rate storing unit (not shown) to the sales factor setting fee in the 'record storing the sales factor setting fee' in the trade receivable factoring DB 340 And a value obtained by dividing the total value of the factoring total costs by the amount of sales receivables is stored in the corresponding record in the record As a factorization total cost ratio.

When the sales factor condition reply inquiry selection information is input to the input unit 392, the control unit 320 also receives the sales factor condition reply special ID from the sales receipt factoring DB 340, The purchase ID of the 'extracted record', the receivable amount, the payment date, the total factoring cost, the total factoring cost ratio, and the factoring application check box are matched to each other in the output unit And outputs a predetermined sales factor condition reply inquiry screen including a predetermined factoring application confirmation box.

If the specific factoring application check box selection information and the factoring application confirmation box selection information are input to the input unit 392 while the sales factor condition reply inquiry screen is output to the output unit, ID, and the specialist preparation unit 330 adds the purchase company ID, sales receivable amount and payment date matched with the selected check box on the sales factor condition reply inquiry screen, and the sales receipt factoring DB 340 Including a sale factor condition reply special ID, a sales factor factoring fee, a sales factor factoring fee and a sales factor other fee, which are simultaneously matched with the purchase company ID, the receivable amount and the payment date, And the transmission / reception unit 310 transmits the above-mentioned factification application specialization to the sales factor system 200 matched with the sales factor condition reply special ID Lock control, and receivables factoring DB controlled so that 340 is the specialized factoring application ID and the factoring application specialized transmission time by matching the information on the accounts receivable from the store.

The professional preparing unit 330 prepares a predetermined sales company condition inquiry message and a predetermined fact message application message under the control of the control unit.

63, under the control of the control unit 220, the sales receivable factoring DB 340 is provided with a sales company condition inquiry professional ID, a purchase company ID, a sales receipt amount, a payment machine job and a sales company condition inquiry- A sale factor condition reply specialization ID for the specialization, a sales factor condition reply specialization reception time, a sales factor factoring fee rate, a sales factor factoring fee and a sales factor other cost, a total factoring cost factor, a total factoring factor cost, a factoring application special ID, Application transfer point of time is matched and stored

A predetermined factoring condition inquiry screen and a predetermined sales factor condition reply inquiry screen are output to the output unit 391. [

The input unit 392 can input information necessary for inquiring the factoring condition, information necessary for inquiry of the sales factor condition reply, and information required for the factoring application.

5 is a flow diagram of a method for reducing factoring costs using a factor risk credit risk ratio factor in accordance with an embodiment of the present invention.

5, the purchasing factor system 100 includes an RP line commitment notification professional ID, a purchase factor ID, and a sales factor ID. The RP factor commitment limit, the RP line commitment expiry date, and the purchase factor payment amount And a proposal interest rate table for matching a proposal interest rate of the corresponding period section for each period section are included in the RP line commitment notification list. (S120) and transmits it to the sales factor system 200 (S130).

In the transaction company DB of the sales factor system 200 receiving the specialization, the 'credit limit and the credit limit', which are simultaneously matched with the 'purchase factor ID' and the transaction company ID of the RP line commitment list read in the RP line commitment notification special, And the expiration date are updated to the read RP line commitment limit and RP preliminary contract expiration date that are read out and matched with the transaction company ID in the RP line commitment list, The risk factor cost rate 'is' the purchasing factor credit risk cost rate matched with the purchasing factor ID in the factor DB of the sales factor system 200' , And the RP line commitment notification special ID of the updated record is also updated to the RP line commitment notification special ID read in the dictionary (S200)

The sales company system 300 creates a sales company condition inquiry message including the sales company condition inquiry professional ID, the purchase company ID, the purchase company ID, the sales company ID, the receivables amount, and the due date (S300) To the sales factor system 200 (S310).

The sales factor system 200 having received the specialization determines whether it is necessary to prepare the inquiry of the sales factor before the purchase factor in order to reply to the specialty (S400). If it is determined that the specialization is necessary, (S451) and transmits it to the purchasing factor system 100 (S451). The purchasing factor system 100 generates a sales factor condition inquiry message including the inquiry professional ID, the sales factor ID, the purchasing company ID, the sales company ID, .

The purchasing factor system 100 having received the message includes a purchasing factor guarantee rate, a purchase factor factoring rate, a purchase factor condition reply special ID, a sales factor condition inquiry professional ID, a purchase company ID, a sales receipt amount, (S480) and transmits it to the sales factor system 200 (S485).

If the sales factor system 200 receives the above-mentioned specialization, or if it is determined in step S400 that it is unnecessary to prepare the sales factor condition inquiry specialization, the sales factor system 200 determines the sales factor condition reply special ID, the sales company condition inquiry professional ID, (S555) and transmits it to the sales company system 300 (S555). The sales company system 300 generates a sales product condition reply specification including the ID, the sales receipt amount, the dispenser work, the sales factor factoring fee, the sales factor factoring fee, .

The sales company system 300 that has received the message includes a purchase company ID, a sales receivable amount, a payment machine work and sales factor condition reply special ID, a sales factor factoring fee, a sales factor factorization fee, a sales factor cost factor, and a factoring application expert ID (S600) and transmits it to the sales factor system 200 (S605).

The sales factor system 200 receiving the specialization controls so that the sales company account ID is 'deposited with the sales factor factoring fee calculated in a predetermined manner from the sales receipt amount and the sales factor and other expenses' (S700 ), RP application professional ID and sales factor ID, and 'RP one contract notification professional ID and purchasing factor condition reply professional ID', purchase company ID, sales company ID, sales receivable amount, payment machine work and purchase factor, factoring rate and purchasing factor (Step S810), and transmits it to the purchasing factor system 100 (step S830).

In step S892, the purchasing factor system 100 having received the specialization determines whether the RP line commitment notification special ID has been read out in the above-mentioned specialization.

If it is determined in step S892 that the RP preliminary commodity notification specialized ID has been read, the purchase factor system 100 determines whether or not the 'receivable amount read from the RP application is within' the RP precommitted limit retrieved from the RP precompile DB ' (Determination of the RP line commitment fourth), and judges whether the payment date read in the RP application application is within the RP line commitment expiration date retrieved from the RP line commitment DB (the RP line commitment fifth decision) The purchase factor factoring fee rate read from the RP application specialist is calculated as the purchase factor payment guarantee rate retrieved from the RP line commitment DB and the procurement rate matched to the readout payment period in the procurement interest DB, A purchase factor factoring required margin matched to the sales factor ID in the factor DB and subtracting the purchase factor payment guarantee required margin matched to the sales factor ID in the factor DB (Judgment of RP line commitment No. 6), and in the RP application specialist If the purchasing factor factoring fee is read, the purchase factor factoring fee calculated by the purchase factor factoring fee is applied to the period up to the read payment date with respect to the read receivable amount of money, (Judgment of RP line commitment seventh), and judges whether the 'other expenses per RP read out in the RP application is matched with' other expenses per RP matched to the factor ID in the factor DB ' (S897).

On the other hand, if it is determined in step S892 that the RP preliminary commodity notification special ID has not been read, the purchase factor system 100 determines that the 'receivable amount read in the RP application full' corresponds to the amount of the receivable amount retrieved from the RP condition reply DB (RP condition reply first judgment), and judges whether the payment date read in the RP request application is matched with the payment date retrieved from the RP condition reply DB (RP condition reply second judgment) It is determined whether or not the purchase factor factoring rate read from the RP application specialist matches with the purchase factor factoring fee rate retrieved from the RP condition reply DB (third determination of the RP condition reply), and the purchase factor factoring fee , It is determined whether the purchase factor factoring fee matches the 'purchase factor factoring fee calculated by applying the retrieved purchasing factoring fee rate to the matched receivables amount to the searched payment date (RP Condition reply 4), and judges whether the other costs per RP read out in the RP application conform to "one of the other costs per RP matched to the factor ID in the factor database and the other expenses per RP stored in the parameter database" (RP condition reply Seventh judgment) (S924).

The purchase factor system 100 determines whether all of the above determinations are determined to be Yes in step S897 or when the determination in step S924 is affirmative (S900). Otherwise, a predetermined RP application error notification telegram including the RP application error notification special ID and the predetermined error details is created (S941) and transmitted to the sales factor system 200 (S950).

FIG. 6 is a flowchart of a detailed method for the step (S120) of the purchasing factor system 100 creating an RP line commitment notification advertisement in the flowchart shown in FIG.

Now, the details of how the purchasing factor system 100 prepares the RP line commu- nication notification special will be described with reference to the flowchart of Fig. 6, and a specific example will be described.

In step S101, the credit limit change authorized user inputs the credit limit change authority ID and his / her own credit limit change ID to the input unit 192 in order to perform the computational registration of such circumstances for the transaction companies, Enter the password and enter 'credit limit line registration list' that matches credit limit and credit limit expiration date and credit risk expense rate by target trading company ID above.

An example of the credit limit line registration list is shown in FIG.

In step S102, the transaction company ID in the entered credit limit registration list is searched in the transaction company DB 150. [

If the transaction company ID is not found in step S102, a record including the transaction company ID is added to the transaction company DB 150 in step S103.

When the transaction company ID is retrieved in step S102 and when step S103 is operated,

In step S104, the 'credit limit, credit limit expiration date and credit risk cost rate' simultaneously matched to the 'in-house factor ID and the transaction company ID' in the transaction company DB 150 are stored in the credit limit line registration list The credit limit and the credit limit expiration date and the credit risk cost rate, which match the transaction company ID, are updated.

If the credit limit line registration list input in step S101 is first input to the purchasing factor system 100, the credit limit line registration list is as illustrated in FIG. 64, and the in-house factor ID is a 'first factor' $ 10 million and $ 5 million, respectively, for trade receivables of companies B, C and E from the 'second factor' above, respectively, for December 31, 2013, Received a full RP Line Commitment Notice on February 15, 2014 and March 21, 2014, with a credit risk and expense ratio of 0.9%, 0.8%, and 1.5% per annum, respectively, In the case where the above information is stored in the transaction company DB 150, when the steps S103 to S104 are operated, the transaction company DB 150 may be as illustrated in FIG.

In step S105, the RP required margin change owner inputs the RP required margin change owner ID and his or her own password to the input unit 192, matches the sales factor ID with the purchase factor payment guarantee margin, the purchase factor factoring required margin, Enter other costs.

In the case of matching the factor A with a larger transaction size, the purchasing factor is 0.2% per annum as the required margin for guarantee of guarantee, 0.1% per year as the factor necessary to purchase factor, and USD10 as other costs per RP, As an example, a matching factor of 0.25% per annum is required as a purchase factor factoring requirement margins and 0.15% per annum for RP factor.

In step S106, the factor DB 180 updates the purchase factor payment guarantee margin, purchase margin factor necessary margin, and other costs per RP matched to the inputted factor ID to the input value.

If step S106 is operated in the case illustrated in step S105, the factor DB 180 may be as illustrated in Fig.

According to another aspect of the present invention, the purchase factor payment guarantee margin, the purchase factor factoring margin, and other costs per RP are not different for each sales factor, so that the factor DB 180, in which different variables are stored for each factor, May be stored in the parameter DB 190 in which the same variable is stored. In the present specification, in order to simplify the description, it is explained that, in the case where the first factor is the purchase factor, the first factor is stored in the factor DB 180 in correspondence with the sales factor ID, and then another factor (third factor) Is stored in the parametric database 190 '.

In step S107, the RP person in charge inputs the factor ID of the sales factor to be pre-committed to the RP in the input unit 192, inputs the IDs of the transaction company that is the target for the RP to pre-commit to the sales factor, The RP factor commitment limit, the RP contract commitment expiry date, and the purchase factor guarantee commission rate are inputted, and the 'sales factor ID is included. By the transaction company ID, the RP contract commitment limit, the RP contract commitment expiry date, Quot ;, and the factor payment guarantee rate is matched.

In the case where the transaction company DB 150 is illustrated as shown in FIG. 18, if the RP person in charge of the RP wants to transmit the RP line commitment notice to the factor A, if the transaction company DB 150 The limit amount to be allocated to the factor A in the limit will be input as the RP commitment value matched to the corresponding company ID. FIG. 65 is an example of an RP line commitment list generated by inputting as described above.

In step S108, a transaction company ID matching with the transaction company ID 'listed in the RP line commitment list input in step S107 is retrieved from the transaction company DB 150. [

If the transaction enterprise DB 150 is as shown in Fig. 18 and the RP line commitment list is the case as illustrated in Fig. 65, the companies A, B, and C will be searched in step S108.

If the transaction company ID is not found in step S108,

The RP line commitment notification corresponding to the RP line commitment list is rejected in step S118.

If the transaction company ID is found in step S108,

In step S109, the credit limit matched to the transaction company ID, the credit limit expiration date, and the credit risk cost ratio are retrieved from the transaction company DB 150.

If it is the case illustrated in step S108, the credit limit, credit limit expiration date, and credit risk cost rate retrieved in step S109 may be illustrated as in FIG.

In step S110, the control unit 120 determines whether or not the RP line commitment limit matched with the transaction company ID entered in step S107 is within the credit limit searched and matched with the transaction company ID in step S109 A first determination of commitment)

The RP preliminary contract validation date matched with the transaction company ID in step S107 is judged to be within the credit limit validity date matched with the transaction company ID in step S109 ,

'The payment guarantee rate entered in step S107 matched with the transaction company ID' matches the sales factor ID in the 'factor DB 180' to the credit risk cost rate 'matched with the transaction company ID in step S109, Warranted margin "is added or not (RP line commitment third judgment).

The RP line commitment list is the same as in FIG. 65 exemplified in step S107, and the information retrieved from the transaction company DB 150 by inputting the RP line commitment list is the same as FIG. 66 exemplified in step S109 and the factor DB 180 25, the purchase factor guarantee guarantee required margin matched to the factor A, which is the sales factor ID, in the factor DB 180 will be 0.1%, and in step S110, the RP line commitments 1, 2, and the third judgment are all positive (Yes).

If it is determined in step S110 that one or more of the RP precomputation first judgment, the RP precommitment second judgment, and the RP precommitment third judgment is negative (No), it is determined in step S118 that the RP line commitment The notification is rejected.

If it is determined in step S110 that both the RP precommunication first judgment, the RP precommitment second judgment and the RP precommitment third judgment are both positive (Yes), it is judged in step S111 whether or not the RP pre- The factor ID is retrieved.

If the RP line commitment list is the case shown in Fig. 65 exemplified in step S107, the factor A will be searched.

If the factor ID is not found in step S111, a field matched with the factor ID is added in the RP line commitment DB 170 in step S112.

When the factor ID is retrieved in step S111 and step S112 is performed, the transaction company ID is retrieved from the RP precompensation DB 170 in step S113

If the transaction company ID is not found in step S113, a record is added in the RP pre-commit DB 170 in step S114 and the transaction company ID is stored in the transaction company ID field of the added record.

When the transaction company ID is retrieved in step S113 and the step S114 is executed, the RP precomputation DB 170 in step S115 determines whether or not the " RP line commitment limit " and the " The expiration date and the purchase factor payment guarantee rate are updated to the RP line commitment limit, the RP line commitment expiry date, and the purchase factor payment guarantee rate, which match the transaction company ID in the RP line commitment list.

In the case where the RP factor commitment of 10 million dollars to the second factor is valid until December 31, 2013 and the purchase factor guarantee rate is 0.7% per year, in the case where the RP line commitment has already been registered, the step S115 is performed , The RP line commitment DB 170 may be as illustrated in FIG.

In step S116, the procurement rate DB 160 extracts the procurement rate for each period section matched with the in-house factor ID.

If the procurement interest DB 160 is the same as illustrated in FIG. 20, a year of 1.9% for a period of 30 days or less and 2.2% per year for a period of 30 days to 90 days or less will be extracted.

In step S117, a purchase factor payment guarantee required margin matched to the sales factor ID in the factor DB 180 and a purchase factor required margin are extracted.

If the factor DB 180 is as shown in Fig. 25 and the sales factor ID is the factor A as exemplified in step S107, then 0.1% per year as the purchase factor payment guarantee required margin and 0.2% per year as the purchase factor required margin are extracted Will be.

According to another aspect of the present invention, the purchase factor factoring margin is not different for each sales factor, so that the parameter DB 190 in which the same variable is stored regardless of the sales factor, not the factor DB 180 in which different variables are stored for each factor ). ≪ / RTI > In the present specification, the case where the purchasing factor system of the first factor is exemplified will be described as an example extracted from the factor DB 180, and when the purchasing factor system of the third factor as another factor is exemplified, the parameter storage unit 190 ' Described as an example of extraction.

In step S118, 'the procurement factor required margin extracted in step S117' is added to the 'procurement interest rate per period section extracted in step S116', the procurement factor required guarantee margin is subtracted to calculate the proposal interest rate for each period section, The proposed interest rate is matched with the 'interest rate of the corresponding period duration' by the 'period duration'.

If it is the case illustrated in steps S116 and S117, the proposed interest rate table may be created as illustrated in FIG.

The reason for calculating the offer interest rate by adding the purchase factor factoring margin to the procurement rate and subtracting the purchase factor payment guarantee margin is that when the purchase factor is committed to the guarantee factor, the purchase factor payment guarantee margin is included And the purchase factor factoring fee rate is not specified as a value but is defined as a value obtained by adding the offer rate and the offer rate to the purchase factor charge rate, (Credit risk cost ratio + purchase factor payment guarantee required margin) "and" proposed interest rate "as a result of adding the purchase factor factoring margin to the procurement interest rate and subtracting the purchase factor guarantee guarantee margin from the" ) + (Procurement rate + Purchasing factor Factoring necessary margin? Purchasing factor Payment guarantee margin) = Credit risk cost ratio + Procurement rate + Purchasing factor Factoring To be a 'marginal'.

According to another embodiment of the present invention, the margin required for factoring the purchase factor is 'margin required for factoring the purchase factor'. The margin required for guarantee of payment of the purchase factor 'may be stored, and a value obtained by adding the purchase factor factoring margin to the procurement interest rate as the proposed interest rate may be calculated. In this case, the purchasing factor factoring fee is the 'purchasing factor guarantee rate + proposal interest rate = (credit risk cost ratio + procurement factor payment guarantee margin) + (procurement rate + margin necessary for factoring the purchasing factor? Risk cost ratio + procurement rate + margin required for factoring the purchase factor '. For the sake of simplicity of description, the present embodiment will be limited to the embodiment described with reference to the operation of step S118.

In step S119, the control unit 120 generates a predetermined RP line commitment notification specialized ID.

For example, the abbreviation RPC of the 'first factor' and 'Risk Pacticipation Commitment', which are the factor IDs of the owner of the purchasing factor system 100, and the transmission date 'August 1, 2013' and the serial number '001' 1 factor RPC130801001 '.

In step S120, the expert preparation unit 130 compares the RP line commitment notification special ID, the purchase factor ID that is an in-house factor ID, the RP line commitment list created in step S107, the recommended interest table created in step S118, , And an RP-line commitment notification telegram is prepared.

According to another aspect of the present invention, in order to ensure that the factor to be provided with the purchase factor payment guarantee to the sales factor commits to the sales factor only to guarantee the payment of the purchase factor, and the factoring factor, The suggested interest rate table may be omitted from the RP line commitment notification telegraph.

If the RP line commitment list is as shown in Fig. 65 exemplified in step S107, the proposed interest rate table is as shown in Fig. 67 exemplified in step S118, and the RP line commitment notice special ID is generated as illustrated in step S119, The RP-line commu- nication notification text created in Fig. 68 can be illustrated as shown in Fig.

In step S130, the transmission / reception unit 110 transmits the RP line commitment notification telegram to the sales factor system 200 matched with the sales factor ID.

In step S131, the RP precommunication notification professional ID field matched with the sales factor ID in the record matched with the transaction company ID included in the RP preliminary commodity notification telegram, Information field contains the RP pre-commodity notification special ID included in the RP pre-commodity notification special and the RP pre-commodity notification specialized transmission time, respectively.

If the step S130 is executed at 14:36:17 on August 1, 2013 in the case where the RP line commitment DB 170 is illustrated as shown in FIG. 22, the RP line commitment DB 170, as illustrated in FIG. 23, .

According to another embodiment of the present invention, in step S107, the RP manager can input the entire RP line commitment limit, the RP line commitment expiry date, and the purchase factor payment guarantee fee without inputting the RP line commitment limit for each sales factor. In this case, the RP line commitment notice telegram is not sent to the specific factor, and when the necessary sales factor transmits the sales factor condition inquiry telegram, the limit is inquired and returned.

FIG. 7 is a flowchart illustrating a detailed method for a step S200 in which the sales factor system receives the RP line commit notification notification and updates the transaction company DB in the flowchart shown in FIG.

In step S190, the transmission / reception unit 210 of the sales factor system 200 receives the RP line commu- nication notification telegram.

In step S191, the RP preliminary commodity notification professional ID, the purchasing factor ID, the RP precommunication list matched with the transaction company IDs, the RP preliminary commodity expiration date and the purchase factor payment guarantee rate are listed in step S191, The proposed interest rate table 'is read out in such a manner that the purchasing factor factoring procurement interest rates proposed by the purchasing factor to the sales factor are matched and listed for each factor factoring period section.

In step S192, the factor ID in the transaction company DB 250 is matched with the purchase factor ID read from the RP line commit notice notification, and the transaction company ID is also set to '1' in the RP line commit list of the RP line commit notice Quot; and " company ID " are matched.

According to another aspect of this embodiment, one or more of a credit limit and a credit limit expiration date may be retrieved instead of the credit risk cost rate. In this specification, for the sake of simplicity, only the case where the credit rating is searched is explained.

FIG. 41 is an example of an embodiment of a transaction company DB 250 included in the sales factor system 200. FIG.

41 shows the relationship between the credit limit given to the company and the credit limit expiry rate, which is matched with the ID of the transaction company to which the sales factor has given credit by itself, If the transaction company is a sales company, the ID of the account to receive the factoring transaction is stored.

In addition, from the second factor with 0.05% of the credit risk cost ratio, the above limits are set as the expiration date of January 31, 2014, respectively, for companies B, C and E with a limit of 10 million USD, 10 million USD and 5 million USD respectively , 0.85%, 0.45%, and 1.45%, respectively, as the purchase factor payment guarantee fee, the credit limit and the credit limit expiration date are stored, and the second factor And the credit risk cost ratio of 0.05%.

Figure 48 is an example of a factor DB 280 in which the credit risk cost rate for the second factor is 0.05%

If the credit risk rate is not retrieved in step S192, the transaction company DB 250, in step S193, sets an RP pre-commodity notification special ID field, a credit limit field, a credit limit expiration date field, The risk cost rate field is retrieved.

If the transaction company DB 250 is as illustrated in FIG. 41 and the factor ID is the first factor, which is the purchase factor ID of FIG. 68 illustrated in step S191, the transaction company DB 250 of FIG. The first factor will not be retrieved.

If the fields are not retrieved at step S193, at step S194, in the transaction company DB 250, an RP pre-commodity notification professional ID field matched with the purchase factor ID, a credit limit field, a credit limit expiration date field, Field is added.

If the transaction enterprise DB 250 is operated as shown in step S192 and the step S194 is executed as illustrated in FIG. 41, the transaction company DB 250 will be as illustrated in FIG.

When the fields are searched in step S193 and step S194 is performed, a record matched with the transaction company ID is searched in the transaction company DB 250 in step S195.

When the transaction company DB 250 is as illustrated in FIG. 42 as exemplified in step S194, and the step S195 is executed in the case where the read RP line commitment text read in step S191 is as shown in FIG. 68, The records matched with the companies A, B, C and B that match the company A and B will not be searched and the records matched to the company A will not be searched.

If the record is not retrieved in step S195, the transaction company DB 250 in step S196 determines whether the transaction company ID included in the RP line commitment list in the RP line commitment read in step S191 is the transaction company ID Each new record is added.

If it is the case illustrated in step S195, a new record in which the company A becomes the transaction company ID will be added in step S196, and as a result, the transaction company DB 250 can be as illustrated in FIG.

If the credit risk cost ratio is found in step S192 and if a record matching the transaction company ID is found in the transaction company DB 250 in step S195 and if the step S196 is operated, ), The 'credit limit and credit limit expiration date' at which both the purchasing factor ID and the transaction company ID of the RP line commitment list read in step S191 are simultaneously matched with the transaction company ID in the RP line commitment list The credit risk cost rate that is matched with both the purchase factor ID and the transaction company ID is updated to the read RP line commitment limit and the RP line commitment expiration date, The purchased purchase factor credit guarantee risk rate is updated to a value obtained by adding the purchasing factor credit risk cost rate matched with the purchasing factor ID in the factor DB 280 to the read purchase factor guarantee guarantee rate, In step S191, The RP line commit update notification is a professional ID '.

When the transaction company DB 250 is as shown in Fig. 43 and the factor DB 280 receives the RP line commodity notification advertisement exemplified in Fig. 68 and the step S200 is operated in the case as illustrated in Fig. 48, The transaction company DB 250 may be as illustrated in FIG.

If the proposed interest rate table is read in step S191, a field matched to the purchase factor ID read in step S191 is searched in the procurement rate DB 260 in step S205.

As one example, from the first factor, there has never been received an RP line commitment notification special that includes the proposal interest rate tabl, and the second factor has a purchase factor factoring procurement rate matched to 1.8% The procurement interest DB 260 may be as shown in FIG. 46 if it has already received the RP line commitment notification message including the 'offer rate table'.

In this case, when the step S205 is operated, the field matched with the first factor, which is the purchase factor ID read in step S191, will not be retrieved.

If the field matched with the purchase factor ID is not found in step S205, a field matched with the purchase factor ID read in step S191 is added to procurement rate DB 260 in step S206.

If the field matched with the purchase factor ID is found in step S205 or step S206 is performed, a record including the purchase factor factor period read in step S191 is retrieved from the procurement rate DB 260 in step S207 do.

If the record is not retrieved in step S207, a record including the purchase factor fact period section read in step S191 is added to the procurement interest DB 260 in step S208.

In a case where a record including the purchase factor factoring period is retrieved in step S207 or an operation in step S208 is performed in each of the cells matched with the purchase factor ID in the procurement rate DB 260 and matched in the period section in step S210, 'Procurement rate matched in the period section in the proposed interest rate table read in step S191' is stored.

If the procurement interest DB 260 receives the RP line commit notification notifications as exemplified in FIG. 68 in the state as illustrated in FIG. 46, if the step S210 is operated, the procurement interest DB 260 stores It may be as illustrated.

If the proposed interest rate table is not read in step S191, a field matched to the purchase factor ID read in step S191 is searched in the procurement rate DB 260 in step S211.

If the field matched with the purchase factor ID is not found in step S211, a field matched with the purchase factor ID read in step S191 is added to the procurement interest DB 260 in step S212.

In the case where the field matched with the purchase factor ID is found in step S211 or the step S212 is performed, in each of the cells matched with the purchase factor ID in the procurement interest DB 260 in step S213 and matched in the period section, An indicator that the interest rate does not exist 'is stored.

8 is a flowchart of a detailed method for a step S300 of the sales company system 300 to create a sales company condition inquiry message.

Now, a detailed method of the step S300 of the sales company system 300 to create a sales company condition inquiry specialization will be described with reference to the flowchart of FIG. 8, and a specific example will be described.

In step S280, the person in charge of trade receivable factoring inputs the factoring condition inquiry selection information to the input unit 392. [

In step S281, the output unit 391 is provided with an inquiry target factor selection menu, a predetermined receivable record input table capable of matching the purchasing company ID, the purchasing company location ID, the receivables amount and the payment due date, A factoring condition inquiry screen including a condition inquiry confirmation box is output.

69 is an example of a factoring condition inquiry screen that is output by the operation of step S281.

In step S290, the person in charge of trade receivable factoring inputs inquiry target factor selection information into the input unit 392, inputs the purchasing company ID, the area ID of the purchasing company, the receivables amount and the due date in the sales receipt history entry table, Enter factoring condition check confirmation information.

70 is an example of the factoring condition inquiry screen input by the operation in step S290, in which information for selecting a factor A is inputted in the inquiry object factor menu, 5 pieces of accounts receivable amount are input to the receivables statement entry table And a factoring condition inquiry screen at the moment of selecting the factoring condition inquiry confirmation selection information.

In step S291, a predetermined sales company condition inquiry professional ID is generated.

For example, the transaction company ID of the owner of the sales company system 300 is the company Y, the transaction company ID, QT which is an abbreviation of 'Query over Factoring Terms &conditions',' August 12, 2013, Quot; 001 " to generate " Enterprise YQT130812001 ".

In step S300, the professional preparing unit 330 receives a sales company condition inquiry professional ID, a sales company condition ID, a sales company ID, a sales company amount, and a payment date, .

If the input information illustrated in FIG. 70 is input to the input unit 392 and the sales company condition inquiry professional ID is generated as shown in the example of step S292, the sales company condition inquiry telegram prepared in step S300 is as illustrated in FIG. 71 It will be possible.

In step S310, the transceiver 310 transmits the created advertisement to the sales factor system 200. [

In step S311, the sales company condition inquiry professional ID, the purchase company ID, the sales receipt amount, the payment machine date, and the sales company condition inquiry specialized transmission time are composed and stored in the receivable factoring DB 340.

FIG. 60 is a trade receivable factoring DB 340 that can be exemplified in the case where the sales company condition inquiry message shown in FIG. 71 is transmitted and step S311 is performed.

FIG. 9 is a detailed flowchart (S400) of determining whether the sales factor system 200 receives the sales company condition inquiry message and whether or not it is necessary to inquire the condition before the purchase factor in order to reply to the message in the flowchart shown in FIG. Figure 4 is a flow chart of one embodiment.

The details of the step (S400) of determining whether or not the sales factor system 200 needs to inquire the condition of the purchase factor front to return to the sales company condition inquiry telegram is described with reference to the flowchart of FIG. 9 and a specific example I will explain.

In step S340, the transmission / reception unit 210 receives the sales company condition inquiry message.

One example of a sales company condition inquiry professional can be illustrated as shown in FIG.

In step S341, the control unit 220 controls the sales company condition inquiry professional ID, the purchase company ID, the purchase company location area ID, the sales company ID, the sales receivable amount and the payment date to be read out in the above-mentioned specialization.

In step S342, the sales company ID, the sales company ID, the sales company ID, the sales receipt amount, the payment machine date, and the sales company condition inquiry professional reception time point matching the sales ID, Is stored.

FIG. 29 shows a sales receivable factoring DB 240 of the sales factor system, which can be exemplified in the case where the sales company condition inquiry telegram illustrated in FIG. 71 is received and step S342 is executed.

In step S343, the sales company credit limit and the sales company credit limit expiration date matched simultaneously to the in-house factor ID and the sales company ID are searched in the transaction company DB 250.

If the transaction enterprise DB 250 is as illustrated in FIG. 44 and the sales company condition inquiry message shown in FIG. 71 is received, the sales company ID 'enterprise Y' is received from the transaction company ID field And the 'Company Y' will be searched for $ 10 million USD and September 30, 2014 as the credit limit matched to the in-house factor Factor A and the credit limit expiration date, respectively, in the retrieved record.

If at least one of the sales company credit limit and the sales company credit limit expiration date is not found in step S343, the control unit 220 determines that the corresponding trade receivable is not factorable in step S370. In step S380, 240) is stored in the sales factor factoring rate field of the corresponding receivable record of the corresponding sales receipt record of the corresponding merchandise receipt field.

If the sales company credit limit and the sales company credit limit expiration date are found in step S343, the control unit 220 determines in step S344 that the 'sales receipt amount read in the sales company condition inquiry text' is retrieved from the transaction company DB 250 It is determined whether or not the payment date read out in the sales company condition inquiry specialization is within the sales company credit limit retrieval date found in the transaction company DB 250 Judgment).

If the sales company condition inquiry telegram is as illustrated in FIG. 71 and the exchange company DB 250 is as illustrated in FIG. 44 and the exchange rate at the time when the step S344 is operated is 1 USD = 5 CNY, The bond amount is up to USD5 million per case, and the payment date read out in the above article is October 17, 2013, and the sales company credit limit matched to the sales company Y in the trading company DB 250 and the sales company credit limit expiration date Are USD10 million and September 30, 2014 respectively.

Therefore, individual accounts receivable will be judged to be positive in both the fifth and sixth judgments of sales factors. However, it is expected that not all trade receivables will be able to be factored because the total amount of accounts receivable is USD11.1 million (USD11 million + CNY500,000) and the credit limit of the seller is more than USD10 million.

In step S344, step S370 is performed for a trade receivable in which at least one of the sales factor fifth judgment and the sales factor sixth judgment is negative (No).

In step S345, the automatic inquiry acceptance time parameter is searched in the parameter storage unit 290 for the sales receipt case in which both the sales factor fifth judgment and the sales factor sixth judgment are positive (Yes) in step S344, and the factor DB 280 ), A factor ID matched with 'the value within the automatic inquiry recognition time parameter' is searched for.

If the sales company condition inquiry telegram is as shown in Fig. 71, the parameter storage unit 290 is as shown in Fig. 59, and the factor DB 280 is as shown in Fig. 48, 30 minutes is searched as the automatic inquiry recognition time parameter in Fig. In FIG. 48, a third factor matched with a first factor matched for 0.05 hour (= 3 minutes) and 0.08 hour (= 5 minutes) matched with a value whose upper limit of individual inquiry time is within 30 minutes is matched Will be searched.

If it is found in step S345 that one or more factor IDs matched with a value within the automatic inquiry admission time parameter is found in step S346,

Otherwise, step S360 is operated.

In step S346, the coverage area ID matched with the factor ID searched in step S345 is extracted from the factor DB 280, and the area defined by the cover area ID is extracted from the sales receipt Purchasing company location ID '.

If the factor DB 280 is an example as illustrated in FIG. 48, China is extracted as the cover area ID matched with 'the first factor retrieved at step S345', and the cover matched to the 'third factor retrieved at step S345' Korea will be extracted as an area ID.

Here, if the sales company condition inquiry specialization is as illustrated in FIG. 71 and all the sales factors 5 and 6 are judged to be positive for all five accounts receivable in the step S344, It is judged that the coverage area of the first factor includes the area where the buyer of the trade receivable is located.

In addition, it may be determined that the cover area of the third factor includes the region where the buyer of the trade receivable is located, where the trade receivable for the company D is the region where the buyer is located.

It will be judged that the trade receivables for the companies B, C and F are not included in the coverage areas of any of the above factors.

In step S346, a step S347 is performed for a trade receivable in which 'the area defined by the cover area ID matched with one or more factor IDs of the factor ID searched in step S345' And step S360 is executed for the other accounts receivable.

In the case illustrated in step S346, step S347 is executed for accounts receivable for companies A and D, and step S360 is performed for accounts receivable for companies B, C,

In step S347, the factor of the sales receipt in which 'the area denoted by the coverage area ID corresponding to the factor ID searched in step S345' is included in the area ', and the factor ID is paring.

In the case of the steps S345 and S346, the 'trade receivable for the company A having the material region' is paired with the first factor, and the 'trade receivable for the company D having the material region' is paired with the third factor

At step S350, the purchase factor credit limit matched to the factor ID, the purchase factor credit limit expiration date and the minimum amount per RP are extracted from the factor DB 280 for the factor ID and the trade receivable paired at step S347 (Hereinafter, referred to as a "sales factor third judgment") and determining whether the minimum amount per RP is less than or equal to the par value of the receivables (Hereinafter, referred to as a 'fourth factor judgment'), and determines whether the purchase factor credit limit expiration date is the payment date of the paired payment receivable or not (hereinafter referred to as the 'fourth factor of the sales factor').

According to an additional aspect of the present invention, it can be determined that the due date is met even if the expiration date is exceeded within a certain grace period at a specific expiration date. In this aspect, the 'purchasing factor credit limit expiration date' means the expiration date of the predetermined grace period on the expiration date of the purchasing factor credit limit stored in the factor DB 280.

In this specification, the term 'OO effective date' means that, in the case where a certain period of grace period is allowed for 'OO effective date' as in the above aspect, the expiration date of the grace period is extended to 'OO expiration date' do.

In the case illustrated in step S347, for the trade receivable and the first factor pair for the company A, the purchase factor credit limit matched to the first factor in the factor DB 280 illustrated in FIG. 48 is 100 million USD, If the exchange rate at the time when the step S350 is executed is 1 USD = 5 CNY as the minimum amount per RP, June 30, 2014 as the expiry date of the purchasing factor credit limit, the sales company condition inquiry The amount of CNY500,000 of the receivable amount for the company A that is read by the professional corresponds to USD100,000. The credit factor of the purchasing factor (100 million USD) of the first factor is above the amount of the receivables, and the third factor of sales factor is positive will be.

The 7th judgment of the sales factor, where the minimum amount per unit RP of the first factor (USD100,000) is below the amount of the receivables, is also positive.

(June 17, 2013), which is the expiration date of the purchasing factor credit limit of the first factor (June 30, 2014) ', The fourth factor of sales factor should be positive.

The purchase factor credit limit matched to the third factor in the factor DB 280 illustrated in FIG. 48 is 300 million USD, the purchase factor credit limit is valid for the pair of the trade receivable for the company D and the third factor, On June 30, USD10,000 will be extracted as the minimum amount per RP, and the trade receivables for Company D read out in the sales company condition inquiry text shown in FIG. 71 are USD3,000,000, the purchase factor credit of the third factor As the limit (USD 300 million) is more than the amount of the receivables above, the sales factor third judgment will be positive.

The third factor, the minimum amount per RP (USD10,000), is less than the trade receivables amount.

(June 17, 2013), which is an expiration date of the purchase factor credit limit of the first factor (June 30, 2014) ', The fourth factor of sales factor should be positive.

Therefore, in step S350, the pair of the trade receivable and the first factor for the company A is positive for the third, fourth, and seventh determinations of the sales factor, and the pair of the third- All will be positive.

In step S350, step S352 is executed for an affirmative pair in all the judgments, and step S360 is executed for the other pairs.

If it is the case illustrated in step S350, step S352 will be executed for the pair of trade receivable and first factor for company A, and step S352 will also be performed for the pair of trade receivable and third factor for company D .

In step S352, it is determined in the transaction company DB 250 whether the matched credit limit is simultaneously searched for the paring factor ID and the purchasing company ID of the trade receipt paired with the factor ID.

According to another aspect of the present invention, in step S352, in place of the 'credit limit' matched simultaneously to the 'paring factor ID' and the 'purchase company ID of the trade receivable paired with the factor ID' in the transaction company DB 250 It is also possible to determine whether to search for 'credit limit expiration date' or 'credit risk cost rate'.

In this specification, for simplification of description, only a case of determining whether or not the credit limit is searched will be described.

If the trading company DB 250 is the case illustrated in FIG. 44 while being exemplified in the step S350, 10 million USD is simultaneously extracted as the credit limit matched to the first factor and the corporation A, and the third factor and the corporation D credit limits matched at the same time will not be extracted.

If the determination in step S352 is negative, it is determined in step S400 that creation of a sales factor condition inquiry message is necessary, step S440 is performed, and if the determination is affirmative, step S353 is operated.

If it is the case illustrated in step S352, it is determined that the sales factor condition inquiry preparation is required in step S400 for the pair of the third factor and the 'trade receivable for company D', step S440 will be performed, Step S353 will be performed for the pair of 'trade receivables for company A'.

It is determined whether the credit limit matched to both the purchase company ID and the factor ID of the trade receivable in the transaction company DB 250 is equal to or greater than the receivable amount of the trade receivable for the trade receivable and the factor ID paired in step S353 (The selling factor first judgment), it is judged whether or not the credit limit expiration date matched to both the credit limit and the factor ID in the transaction company DB 250 is the payment date of the receivable or later (sales factor 2 judgment).

If it is determined in step S353 that both the sales factor first judgment and the sales factor second judgment are satisfied, it is determined in step S400 that creation of the sales factor condition inquiry telegram is unnecessary and step S458 is performed. Otherwise, in step S400, It is determined that the condition inquiry specialized preparation is necessary, and step S440 is operated.

71 and the applicable exchange rate at the time when the step S352 is executed is 1 USD = 5 CNY, the amount of the trade receivable for the company A is CNY500, 000 and corresponds to USD100,000 .

If the transaction company DB 250 is as shown in FIG. 44, the credit limit matched to the first factor with the company A is 10 million USD, which is more than the receivable amount, and the trade receivable to the company A is the sales factor 1 It will be judged to meet the judgment.

The credit limit expiration date matched simultaneously with the credit limit (10 million USD) and the first factor in the transaction company DB 250 is December 31, 2013, which is the payment date of the trade receivable for the company A illustrated in FIG. 71 After October 17, 2013, it will be judged that it meets the sales factor second judgment.

Since it is determined that both the "first factor" and the "sales receivable piar" for the company A satisfy both the first factor and the second factor of the sales factor, it is determined in step S400 that the creation of the sales factor condition inquiry specialization is unnecessary and the step S458 is executed .

In step S360, it is determined whether or not at least one of the credit limits simultaneously matched to the purchase company ID and the specific factor ID of the trade receivable in the transaction company DB 250 is equal to or greater than the receivable amount of the trade receivable ), It is determined whether the credit limit expiration date matched with the credit limit that the first judgment is positive in the transaction company DB 250 is the payment date of the trade receivable or not (second judgment of the sales factor) The purchasing factor credit limit matched with the factor ID excluding the in-house factor ID among the factor IDs in which the first judgment and the second judgment are affirmative, the expiration date of the purchasing factor credit limit, and the minimum amount per RP are extracted (Hereinafter referred to as a 'sales factor third judgment'), and the factor DB 280 determines whether the third factor is positive or not Matched purchasing factor credit limit expiration date (Hereinafter, referred to as a 'fourth factor of the sales factor'), and the minimum amount per RP corresponding to the factor ID in which the fourth determination is positive is calculated in the factor DB 280, (Hereinafter referred to as "sales factor seventh judgment"), and the sales factor third judgment, the fourth judgment and the seventh judgment are positive for the in-house factor ID.

If it is the case illustrated in step S346, step S360 will be executed for accounts receivable for companies B, C,

In the full text of the inquiry of purchasing company condition illustrated in FIG. 71, the amount of accounts receivable for company B is USD2 million.

The credit limit matched to the enterprise B in the transaction company DB 250 illustrated in FIG. 44 is USD 2 million matched with the factor A, USD 5 million matched with the first factor, USD 10 million matched with the second factor, Since the credit limits of the first factor and the second factor are equal to or greater than the trade receivable amount, the sales factor for the company B will be positive in the first selling factor determination in pairing with all of the factors.

In the transaction company DB 250, 'USD2 million matched with' Factor A 'which was the credit limit with which the first judgment was positive', 'USD5 million matched with the first factor', 'USD10 million matched with the second factor''Are valid for 30 June 2014, 31 December 2013 and 31 January 2014, respectively, and the credit limit matched to' After 17 days, the second factor of the sales factor in the paring with the factor A, both the first factor and the second factor, would be positive.

If the factor DB 280 is the same as illustrated in FIG. 48, the first factor, which is the factor ID excluding the in-house factor ID among the factor IDs in which the second determination is positive, the purchase factor credit limit matched to the second factor Are USD100 million and USD200 million, respectively, are all over 'USD2 million', which is the sales receivable amount for company B. The third factor of sales factor in paring with both the first factor and the second factor will be positive.

If the factor DB 280 is the same as illustrated in FIG. 48, the first factor, the factor of which the third judgment is positive, and the expiration date of the purchasing factor matched to the second factor are effective June 30, 2014 , And December 31, 2014, all of which are after "October 17, 2013", the date of payment of the trade receivable for company B, and the fourth factor of sales factor is positive in paring with both the first factor and the second factor .

If the factor DB 280 is the same as illustrated in FIG. 48, the minimum amount per RP corresponding to the first factor and the second factor, which is the factor ID in which the fourth determination is positive, is USD100,000 and USD1,000,000, respectively , The total amount of trade receivables for company B is less than USD2 million, and the seventh judgment of the sales factor in the paring with both the first factor and the second factor will be positive.

The amount of accounts receivable for Company C in the specialization inquiry of the purchase enterprise condition illustrated in FIG. 71 is USD5 million.

The credit limit matched to the enterprise C in the transaction company DB 250 illustrated in FIG. 44 is USD10 million matched with the factor A, USD20 million matched with the first factor, USD10 million matched with the second factor, Since the credit limits of the first factor and the second factor are equal to or greater than the trade receivable amount, the sales factor for the company B will be positive in the first selling factor determination in pairing with all of the factors.

'Matching with USD10 million matched with' Factor A matched ',' USD20 million matched with first factor ',' USD10 million matched with second factor ', which were positive in the transaction company DB 250, The credit limit is valid for 30 June 2014, 31 December 2013 and 31 January 2014, respectively, after September 17, 2013, the date of payment for trade receivables for Company C, The second determination of the sales factor in the paring of the factor A with both the first factor and the second factor would be positive.

If the factor DB 280 is the same as illustrated in FIG. 48, the first factor, which is the factor ID excluding the in-house factor ID among the factor IDs in which the second determination is positive, the purchase factor credit limit matched to the second factor Are USD100 million and USD200 million, respectively, which are all over 'USD5 million of trade receivables for company C', so the third factor of sales factor in paring with both the first factor and the second factor will be positive.

If the factor DB 280 is the same as illustrated in FIG. 48, the first factor, the factor of which the third judgment is positive, and the expiration date of the purchasing factor matched to the second factor are effective June 30, 2014 , December 31, 2014, after September 17, 2013, which is the pay day of the trade receivables for company C, and the fourth factor of sales factor in the paring with both the first factor and the second factor is positive .

If the factor DB 280 is the same as illustrated in FIG. 48, the minimum amount per RP corresponding to the first factor and the second factor, which is the factor ID in which the fourth determination is positive, is USD100,000 and USD1,000,000, respectively , It is below 'USD5 million', which is the amount of trade receivables for company C, and the seventh judgment of the sales factor in the paring with both the first factor and the second factor will be positive.

The amount of accounts receivable for Company F in the specialization inquiry of purchase enterprise condition illustrated in FIG. 71 is USD1 million.

The credit limit matched to the firm F in the transaction enterprise DB 250 illustrated in FIG. 44 does not exist even if it matches any factor ID. Therefore, the sales factor for the firm F may be negative for any factor ID stored in the transaction company DB.

If it is determined in step S460 that the sales receivable is positive for both the sales factor first judgment, the selling factor second judgment, the selling factor third judgment, the selling factor seventh judgment and the selling factor fourth judgment for one or more factor IDs, It is determined that the sales factor condition inquiry specialized creation is unnecessary, step S458 is operated, and otherwise, step S370 is operated.

In the case illustrated in step S360, as described above, the 'sales receivable for company B' and 'sales receivable for company C' as described above are determined based on the sales factor first judgment, second judgment, third judgment, 7 judgments are all positive, it is judged that it is unnecessary to prepare the sales factor condition inquiry specialization in step S400 for the above-mentioned merchandise bond, and step S458 will be operated.

And the sales receivable for the company F is negative from the first judgment of the sales factor, so that the step S370 will be operated.

If it is determined in step S400 that the sales factor condition inquiry specialization creation is necessary, a predetermined sales factor condition inquiry special ID is generated in step S440.

An abbreviation FA of Factor A which is an ID of a sales factor, an abbreviation QT of Query over Terms & conditions, and an FAQT130812004 which is a combination of August 12, 2013 and serial number 004 (transmission in front of a third factor).

In step S450, the specialty drafting unit 230 prepares a predetermined sales factor condition inquiry message including the sales factor condition inquiry professional ID, the sales factor ID, the purchasing company ID, the sales company ID, the receivables amount, and the due date.

If it is the case illustrated in steps S352 and S353, steps S440 and S450 are executed only for the trade receivable for company D, and the sale factor condition inquiry telegram can be as illustrated in FIG.

In step S451, the transmission / reception unit 210 transmits a 'sales factor condition inquiry specialist created in step S450' to a purchasing factor system ('purchaser factor system') matched with the factor ID 'paired with the sales receivable targeted for the sales factor condition inquiry special in step S352 100).

If it is the case illustrated in steps S352 and S450, it will be sent to the purchasing factor system 100 'of the third factor.

In step S455, the sales factor condition inquiry DB 286 stores the sales company condition inquiry professional ID, the purchase company ID, the sales receipt amount, the payment machine date, the purchase factor ID, the sales factor condition inquiry professional ID, and the sales factor condition inquiry- do.

[0213] In a case where the sales factor condition inquiry specialization illustrated in FIG. 71 is received and the sales factor condition inquiry special exemplified in FIG. 72 is sent to the third factor, the sales factor condition inquiry DB 286 after the step S455 is operated 56 as shown in FIG.

The sales company condition inquiry professional ID stored in the sales factor condition inquiry DB 286, the purchase company ID, the receivables amount and the payment due date are stored in the alternative storage unit 285 in step S456.

The alternative storage unit 285 may be as illustrated in FIG. 50 if step S456 is executed in the case stored in the sales factor condition inquiry DB 286 as illustrated in FIG.

The alternative storage unit 285 illustrated in FIG. 50 stores FRP identification information (hereinafter referred to as 'FRP') and 'URP identification information (hereinafter referred to as' FRP identification information ') for each factor ID' (Hereinafter referred to as 'URP') is stored as a field value in advance.

In step S457, the alternative storage unit 285 searches whether there is a field in which the purchase factor ID stored in the sales factor condition inquiry DB 286 is matched. If not, the purchase factor ID and the FRP are matched Field " and " a field in which the factor ID and the URP are matched " are added.

When the alternative storage unit 285 is as illustrated in Fig. 50 and the sales factor condition inquiry DB 286 is operated in step S457 in the example shown in Fig. 56, the purchasing factor stored in the sales factor condition inquiry DB 286 ID is a third factor, and the field where the third factor is matched does not exist in the alternative storage unit 285, the alternative storage unit 285 stores 'a third factor and a FRP in a field of' A third field and a URP matched field 'are added, and the alternative storage unit 285 may be as shown in FIG.

If it is determined in step S400 that creation of the sales factor condition inquiry telegram is unnecessary, step S458 is operated.

In step S458, the sales company condition inquiry professional ID, the purchase company ID, the receivables amount, and the payment due date of the merchandise bond are matched to one record in the alternative storage unit 285 and stored.

In the case illustrated in step S353, step S458 will be executed for the trade receivable for company A, and step S458 will be performed for the trade receivables for company B and company C in the case illustrated in step S360.

As a result, the alternative storage unit 285 illustrated in FIG. 51 may be as illustrated in FIG.

In all the fields in which the FRP is matched with all the factor IDs in which both the first factor judgment and the second judgment of the sales factor can be determined to be affirmative in the 'record stored in step S458' in step S459, Quot;) and the respective factor IDs corresponding to the period from the procurement interest rate DB 260 to the payment due date of the record at the same time In-house factoring required margin parameter stored in the parameter storage unit 290 when the factor ID is an in-house factor ID, and a Funded RP unit factoring required margin parameter when the factor is not an in-houuse factor ID, And stores the value obtained by subtracting the purchase risk factor rate matched to the factor ID in the factor DB 280 when the factor ID is not the in-house factor ID as a sales factor factoring fee rate.

In the trade receivable for the company A, the sales factor first judgment and the second judgment are both positive for the first factor in step S353.

If the transaction company DB 250 is as shown in FIG. 44, the credit limit is not registered for the company A, which is the purchasing company, except for the first factor, and a factor in which the sales factor first judgment and the second judgment are both positive is added Lt; / RTI >

Accordingly, only the sales factor factoring rate of an alternative (hereinafter, referred to as 'first factor FRP plan') that provides funding to the sales company with the fund procured by applying funded RP to the first factor is calculated and stored, (Hereinafter referred to as the "Factor AFRP Plan") and an alternative to provide factoring in front of the sales company with the funds procured by applying for the Funder RP to the second factor (For example, 'N / A: Not Available') may be stored as a space for the sales factor factoring rate of the 'second factor FRP interior'.

A credit factor cost ratio of 0.8% that matched both the first factor and the company A simultaneously in the transaction company DB 250 and the procurement rate DB 260 illustrated in FIG. 47 as the sales factor factoring rate in the first factor FRP 2.3% 'which is matched to the first factor at the same time and less than 90 days which is the period of the 66 days, which is the period until October 17, 2013, and' the first factor is not the in-house factor ID Quot; 3.2% " which is a value obtained by adding 0.1% of the Funded RP sub-factoring required margin parameter stored in the parameter storage unit 290 illustrated in FIG. 59. Since the first factor is not the in-house factor ID, A value 3.1% which is a value obtained by subtracting 0.1% ', which is the purchasing factor credit risk cost rate matched to the first factor, in the illustrated factor DB 280 is calculated and stored in a field where' first factor 'and FRP are matched in the record will be.

As to the trade receivable for the company B, if the transaction company DB 250 is as illustrated in FIG. 44, it is determined that the sales factor first judgment and the second judgment are both positive for all the factors in which the credit limit is registered Will be.

Therefore, the sales factor factoring rates in the factor AFRP, the first factor FRP, and the second factor FRP can be calculated.

As a sales factor factoring fee rate within the factor AFRP, the credit risk ratio of 2.2%, which is simultaneously matched to the factor A and the enterprise B in the transaction company DB 250, and the procurement rate DB 260 shown in FIG. 47, And the factor 'A' is the in-house factor ID, the parameter storage unit 290 illustrated in FIG. 59 stores the 2.5% 'and' the factor A 'that are simultaneously matched to the factor A and the period corresponding to the 66 days '4.9%', which is a sum of the stored in-house factoring required margin parameter of 0.2%, is calculated and stored in the field where the 'factor A' and FRP match in the record.

As the sales factor factoring rate in the first factor FRP, the credit risk ratio of 1.5%, which is simultaneously matched to the first factor and the company B in the transaction company DB 250, and the procurement rate DB 260, The first factor is not in-house factor ID, and the first factor is '2.3%' which is matched simultaneously with the first factor and the period section corresponding to 66 days, which is the period from October 17, 2013, In the factor DB 280 since the first factor is not the in-house factor ID in '3.9%' which is a value obtained by adding 0.1% ', which is the Funded RP sub-factoring required margin parameter stored in the parameter storage unit 290, The purchasing factor credit risk cost ratio matched to 0.1% 'to calculate 3.8%, and stores in the field where the' first factor 'and the FRP are matched in the record.

In the process of calculating the sales factor factoring fee rate in the second factor FRP, the period from the procurement interest DB 260 shown in FIG. 47 to the period of 66 days, which is the period from October 17, 2013, There is no procurement rate matched to all of the factors, the sales factor factoring fee rate in the second factor FRP can not be calculated, and the 'code meaning that it is not possible' is recorded in the record in which the 'second factor' Field or leave the cell blank.

With respect to the trade receivable for the company C, if the transaction company DB 250 is as illustrated in FIG. 44, it is determined that the sales factor first judgment and the second judgment are both positive for all the factors in which the credit limit is registered Will be.

Therefore, the sales factor factoring rates in the 'factor AFRP scheme', the 'first factor FRP scheme', and the 'second factor FRP scheme' can be calculated.

In the factor AFRP, the sales factor factoring rate is 1.8%, which is the credit risk cost ratio matched both to the factor A and the enterprise C in the transaction company DB 250, and from the procurement rate DB 260 shown in FIG. And the factor 'A' is the in-house factor ID, the parameter storage unit 290 illustrated in FIG. 59 stores the 2.5% 'and the' factor A 'that are simultaneously matched to the factor A and the interval period corresponding to the 36th day, Quot; 4.5% " which is a sum of the stored in-house factoring required margin parameter of 0.2%, and stores it in the field where the 'Factor A' and the FRP match.

As the sales factor factoring rate in the first factor FRP, the credit risk cost ratio 0.7%, which is simultaneously matched to the first factor and the enterprise C in the transaction company DB 250, and the procurement rate DB 260, &Quot; 2.3% " and " the first factor are not the in-house factor ID, " which corresponds to the first factor and the period corresponding to the 36 days, which is the period from September 17, 2013, The first factor is not the in-house factor ID in the 3.1% value obtained by adding the 0.1% 'of the Funded RP sub-factoring required margin parameter stored in the parameter storage unit 290, To calculate a 3.0% by subtracting 0.1% of the purchasing factor credit risk cost rate matched to the first factor and the FRP in the field.

In the process of calculating the sales factor factoring fee rate in the second factor FRP, the period from the procurement interest DB 260 shown in FIG. 47 to the period of 36 days, which is the period until September 17, 2013, There is no procurement rate matched to all of the factors, the sales factor factoring fee rate in the second factor FRP can not be calculated, and the 'code meaning that it is not possible' is recorded in the record in which the 'second factor' Field or leave the cell blank.

The alternate storage 285 illustrated in FIG. 52 may be as illustrated in FIG. 53 if the operations as described above are performed with respect to this step.

In step S460, the in-house factor ID of all the factor IDs for which the sales factor first judgment and the second judgment are both positive can be determined with respect to the trade receivable of each record stored in the alternative storage unit 285 in step S458 Credit risk cost rate 'and' procurement rate DB 260 'simultaneously matched to the corresponding factor ID and the purchasing company ID in the' transaction company DB 250 'in all the fields where the factor ID' and the URP are matched Funded RP sub-factoring required margin parameter stored in the parameter storage unit 290 and the 'procurement interest rate matched at the same time to the in-house factor ID corresponding to the period until the payment date' Funded RP to the factor matched to the factor ID, and stores the sales factor factoring fee in an alternative that provides in-house factoring to the in-house factor directly funded by the in-house factor.

In the case illustrated in step S458, regarding the trade receivable for the company A, for the company A, which is a purchasing company in the transaction company DB 250 illustrated in FIG. 44, the sales factor first judgment and the second judgment other than the first factor There is no additional positive factor.

Therefore, only the sales factor factoring rate of an alternative (hereinafter, referred to as 'first factor URP proposal') to provide factoring to the sales company with fund raised by applying the first factor to the unfunded RP is calculated and stored, 'The factor of factoring of sales factor of alternatives' (hereinafter referred to as' second factor URP plan') to provide factoring to the sales company with fund raised by applying the second factor to the unfunded RP is left blank or ' Can be stored.

The credit factor cost ratio 0.8% which is simultaneously matched to the first factor and the company A in the transaction company DB 250 and the procurement rate DB 260 shown in FIG. 47 as the sales factor factoring rate in the first factor URP 2.5% 'which is simultaneously matched to the interval and the in-house factor ID corresponding to the 66 days, which is the period until October 17, 2013, and' Un-funded 'stored in the parameter storage unit 290 illustrated in FIG. 3.5% 'which is a sum of the RP sub-factoring required margin parameter 0.2%', and stores it in a field where 'first factor' and URP match in the record.

As for the trade receivable for the company B, since the selling factor first judgment and the second judgment are both positive for the first factor and the second factor except for the factor A which is the in-house factor, the first factor URP, Factor Sales factor in URP You can calculate the factoring rate.

As the sales factor factoring fee rate in the first factor URP, the credit risk cost ratio 1.5% which is simultaneously matched to the first factor and the enterprise B in the transaction company DB 250 and the procurement rate DB 260, To 2.5% 'which is simultaneously matched to the period A and the factor A corresponding to the 66 days, which is the period from October 17, 2013 to the date of the dispenser, and the Un-funded RP unit stored in the parameter storage unit 290 illustrated in FIG. 59 4.2% ', which is the sum of the factoring required margin parameter 0.2%', and stores it in the field where 'first factor' and URP match.

As the sales factor factoring rate in the second factor FRP, the credit risk cost ratio matched at the same time to the second factor and the enterprise B in the transaction company DB 250 is 0.9% and the procurement rate DB 260, Quot ;, which corresponds to 36 days, which is the period from September 17, 2013 to the date of dispatch of the dispenser and the factor A, and 'Un-funded RP portion " stored in the parameter storage unit 290 illustrated in FIG. 3.6% 'which is a value obtained by adding the factoring required margin parameter 0.2%', and stores it in the field where 'first factor' and URP match.

As for the trade receivables for the company C, since the sales factor first judgment and the second judgment are both positive for the first factor and the second factor except for the factor A which is the in-house factor, the first factor URP, Factor Sales factor in URP You can calculate the factoring rate.

As the sales factor factoring rate in the first factor URP, the credit risk cost ratio 0.7%, which is simultaneously matched to the first factor and the enterprise C in the transaction company DB 250, and the procurement rate DB 260, Quot ;, which corresponds to 36 days, which is the period from September 17, 2013 to the date of dispatch of the dispenser and the factor A, and 'Un-funded RP portion " stored in the parameter storage unit 290 illustrated in FIG. Quot; 3.4% " which is a value obtained by adding the factoring required margin parameter 0.2%, and stores it in the field where the 'first factor' and URP match in the record.

As the sales factor factoring rate in the second factor FRP, the credit risk cost ratio 0.5%, which is simultaneously matched to the second factor and the enterprise C in the transaction company DB 250, and the procurement rate DB 260, Quot ;, which corresponds to 36 days, which is the period from September 17, 2013 to the date of dispatch of the dispenser and the factor A, and 'Un-funded RP portion " stored in the parameter storage unit 290 illustrated in FIG. 3.2% ', which is a sum of the factoring required margin parameter 0.2%', and stores it in a field where 'first factor' and URP match in the record.

When step S460 is performed as described above in the alternative storage unit 285 illustrated in FIG. 53, the alternative storage unit 285 may be as illustrated in FIG.

FIG. 10 is a flowchart of a detailed method for a step S480 of the purchasing factor system 100 'having received the sale factor condition inquiry message in the flowchart shown in FIG. 5 to prepare a purchase factor condition reply message.

Now, a detailed method of the step S480 of the purchasing factor system 100 'having received the sale factor condition inquiry special from the sales factor system to prepare the purchase factor condition reply special will be described with reference to a specific example.

In step S461, the transceiver 110 'of the purchasing factor system 100' receives the sales factor condition inquiry message.

72, the factor A becomes the sales factor, the factoring system of the factor A becomes the sales factor system 200, and the sales factor condition inquiry message is transmitted to the factoring system of the third factor , The factoring system of the third factor may be the purchasing factor system 100 '.

In step S462, the control unit 120 reads the sale factor condition inquiry professional ID, the sales factor ID, the purchase company ID, the sales company ID, the receivables amount and the due date in the above-mentioned specialization.

72, sales factor ID = factor A, purchase company ID = company D, sales company ID = company Y, trade receivables amount = USD 3,000,000, and payment date = September 17, 2013 will be read.

In step S463, the sales condition information inquiry professional ID, the sales factor ID, the purchase company ID, the sales company ID, the receivable amount, the payment machine date, and the selling factor condition inquiry specialized reception point are recorded in the RP condition reply DB 187 ' And stored.

Assuming that the sales factor condition inquiry telegram is as illustrated in FIG. 72 and that the third factor is 14:26:23 on August 12, 2013, the RP condition reply DB after the operation of step S463 (187 ') may be exemplified as shown in FIG.

In step S464, the credit risk cost rate matched to the read purchase company ID and the in-house factor ID is retrieved from the transaction company DB 150 '.

If the transaction company DB 150 'is the case as illustrated in FIG. 19, 0.2% matched to the company D will be searched.

In step S465, the procurement rate matched at the same time to the corresponding period section and the in-house factor ID of the period from the procurement rate DB 160 'to the payment date read in step S462 is extracted.

If the procurement interest DB 160 'is the case illustrated in FIG. 21 in the case illustrated in step S462, the due date is September 17, 2013, and the inquiry specialized time point = August 12, 2013, Is 36 days.

The period corresponding to 36 days in the procurement interest DB 160 'is' over 30 days and less than 90 days' and 1.7% as the procurement rate of the third factor matched in the period.

In step S466, the parameter storage unit 190 'retrieves the purchase factor payment guarantee required margin parameter, the purchase factor required margin parameter, and the other cost parameter per RP.

If the parameter storage unit 190 'is an example as illustrated in FIG. 28, then the purchase factor payment guarantee required margin parameter = 0.1%, the purchasing factor factoring required margin parameter = 0.2%, and the other cost parameter per RP = 0 resource will be searched .

In step S467, the financial calculator 135 'calculates a value obtained by adding the credit risk cost rate and the purchase factor guarantee guarantee required margin parameter as the purchase factor guarantee guarantee rate, and adds the purchase risk factor and the margin factor to the procurement interest rate And a value is calculated as a purchasing factor factoring rate.

If the credit risk rate is equal to the case illustrated in step S464, the procurement interest is equal to the case illustrated in step S465, and the purchase factor payment guarantee required margin parameter and the purchasing factor factoring required margin parameter are the same as those exemplified in step S466, The purchasing factor payment rate will be 0.2% + 0.1% = 0.3% and the purchasing factor factoring fee rate will be 0.2% + 1.7% + 0.2% = 2.1%.

In step S479, a predetermined purchasing factor condition reply professional ID is generated.

Assume that F3RQT130812001 is created as a combination of the abbreviation of 'F3' and the abbreviation of 'RQT' and the ID creation date and serial number for the third factor of the in-house factor ID. You can illustrate this.

In step S480, the professional preparing unit 130 'acquires the purchase factor payment guarantee rate, the purchase factor factoring fee rate, the purchase factor condition reply special ID, the sales factor condition inquiry professional ID retrieved from the RP condition reply DB 187' The purchase receivable amount and the payment due date, the purchase factor ID, and other cost parameters per RP retrieved from the parameter storage unit 190 '.

If the RP condition reply DB 187 'in the example illustrated in steps S466, S467, and S479 is as illustrated in FIG. 26, the purchase factor condition reply specialization may be illustrated as shown in FIG.

According to another aspect of this embodiment, it is not necessary to store the handling cost (for example, handling charge), which is difficult to be calculated as a ratio of the sales receipt amount, to the parameter storage unit 190 'as other cost parameters per RP, In this case, the other cost parameters per RP are not searched in step 466 nor included in the purchase factor condition reply in step S480.

As an additional or different aspect of the present embodiment, the purchasing factor system 100 'may be used without the automatic creation process consisting of steps S464 to S467, S479 and S480, or in addition to the automatic inquiry process, And S467 'are replaced with' steps S470 to S473 (or S474) '.

According to this aspect, in step S470, the person in charge of factoring inputs the sales factor condition inquiry search selection information to the input unit 192 'according to the business schedule.

In step S471, records in which the purchase factor condition reply special ID is not matched among the records in which the sale factor condition inquiry special ID exists in the RP condition reply DB 187 'are extracted.

According to another aspect of the present invention, in step S471, the RP condition reply DB 187 'determines, among the records read out in the sales factor condition inquiry message, that the data other than the sales factor condition inquiry message ID exists, Records that do not match one or more of the condition reply specialist ID, the purchase factor payment guarantee rate, the purchase factor factoring fee rate, and the purchase factor condition reply reply transmission point may be extracted.

In step S472, a sales factor condition inquiry professional ID, a sales factor ID, a purchase company ID, a sales receipt amount, a payment machine date, a predetermined payment guarantee fee rate input field, a factoring fee rate input field and an input confirmation Quot; box " is matched and output and includes a predetermined condition reply confirmation box.

An example of the sales factor condition inquiry search screen premised on the example of FIG. 72 is shown in FIG.

(Hereinafter referred to as "payment guarantee rate input data") and "data matched with the factoring fee rate input field" (hereinafter referred to as "factoring fee input data") are input to the input unit 192 ' (Hereinafter referred to as 'input confirmation box selection information') and information that selects a condition reply confirmation box (hereinafter referred to as 'condition reply confirmation box selection information') ).

An example of the state in which step S473 is operated in the sales factor condition inquiry search screen illustrated in FIG. 74 may be as shown in FIG.

According to another aspect of the present embodiment, in step S472, the selling factor condition inquiry search screen does not include the factoring fee rate input field, steps S465 and S466 are operated, and in step S474, the financial calculator 135 calculates the payment guarantee rate input data The purchase factor payment guarantee rate, the procurement rate searched at step S465 and the purchase factor factoring required at step S466 are summed up, and the purchase factor payment guarantee margin searched at step S466 is calculated The subtracted value is calculated as a purchase factor factoring rate.

When step S473 or S474 is operated,

Steps S479 and S480 are operated.

When step S480 is operated,

In step S485, the transmission / reception unit 120 'compares the purchase condition of the purchase factor condition created in step S480 with a sale factor matched to the sale factor condition ID matched to the sales factor condition inquiry special ID in the RP condition reply DB 187' To the system 200.

In step S486, the purchasing factor condition reply professional ID, the purchase factor condition payment guarantee fee calculated in step S467, the input in step S473 or calculated in step S474, is stored in the RP condition reply DB 187 ' And the purchase factor factoring rate calculated in step S467 or entered in step S473 or calculated in step S474 and the transfer factor of the purchase factor condition reply are stored.

If the RP condition reply DB 187 'is an example in which the purchase factor condition reply as exemplified in FIG. 73 is transmitted in the case illustrated in FIG. 26, the RP condition reply DB 187' ) May be as illustrated in FIG.

FIG. 11 and FIG. 12 are flowcharts of a detailed method for a step S550 in which the sales factor system 200 that received the purchase factor condition reply in the flowchart shown in FIG. 5 creates a sales factor condition reply complete message (S550).

Now, the details of the step S550 of the sales factor system 200 that has received the purchase factor condition reply special from the purchase factor system 100 to create the sales factor condition reply special will be described with reference to the flowcharts of FIGS. 11 and 12 I will illustrate and explain concrete examples of work.

If step S457 has been operated, the transceiver 210 of the sales factor system 200 receives the purchase factor condition reply message in step S487.

In step S488, in the purchase factor condition reply, the 'receivable amount matched with the purchasing company ID, the payment machine work and purchase factor payment guarantee rate, the purchase factor factoring fee and other expenses per RP', the purchase factor condition reply professional ID and the sales factor condition The professional ID and the purchasing factor ID are read.

73, the purchase factor payment guarantee rate for a trade receivable with a trade-in amount of USD3 million for the third factor Company D and a payment date of September 17, 2013 0.3%, 2.1% as the purchasing factor factoring rate, and "0" as other costs per RP, F3RQT130812001 as the purchasing factor condition reply ID, FAQT130812004 as the sales factor condition inquiry special ID, Will be read.

In step S489, the sales factor condition inquiry DB 286 retrieves the sales factor condition inquiry professional ID, the purchase company ID, the receivables amount and the payment due date, and records the stored record, ID and Purchasing Factor Payment Guarantee Rate and Purchasing Factor Factoring Rate and Other Costs per RP and Purchasing Factor Conditions

The sales factor condition inquiry DB 286 receives the reply to the purchase factor condition as exemplified in FIG. 73 in the example as shown in FIG. 56 at 14:31:15 on August 12, 2013, If S489 is operated, the sales factor condition inquiry DB 286 may be as illustrated in FIG.

The purchase factor credit risk cost rate matched with the factor ID of the record of the sales factor condition inquiry DB 286 extracted in step S489 is extracted from the factor DB 280 in step S490 and the extracted value is updated in step S489 The value added to the purchase factor payment guarantee rate stored in the sales factor condition inquiry DB 286 is stored as the credit risk rate matched with the purchase factor payment guarantee rate in the sales factor condition inquiry DB 286. [

When the sales factor condition inquiry DB 286 is as illustrated in Fig. 57 and the step S490 is performed in the case where the factor DB 280 is illustrated in Fig. 48, a third factor 0.35% obtained by adding 0.05% of the purchase factor credit risk cost rate matched to the third factor in the factor DB 280 to the proposed purchase charge guarantee rate of 0.3% is stored as the credit risk cost rate, Lt; RTI ID = 0.0 > 286 < / RTI >

In step S491, the alternative storage unit 285 retrieves records in which the purchase company ID, the receivable amount, and the payment due date, which correspond to the purchase company ID, the receivables amount, and the payment due date read in step S488, In the sales factor condition inquiry DB 286, the sales factor condition inquiry DB 286 stores in the field where the FRP is matched with the purchase factor ID read in step S488 in the record, (A + B) obtained by adding the purchasing factor factoring rate A of the record in which the ID, the sales receivable amount and the payment date are stored, and the Funded RP sub-factoring required margin parameter B stored in the parameter storage unit 290, Is stored as a selling factor factoring rate.

If the read purchase enterprise ID, sales receivable amount and payment due date are the same as those in step S488, the alternative storage unit 285 is as illustrated in FIG. 54, and the sales factor condition inquiry DB 286 is in FIG. 58 59 and the parameter storage unit 290 is the same as illustrated in FIG. 59, in the alternative storage unit 285, 'purchase company = corporation D, trade receivable amount = USD3 million, payment date = September 17, 2013 Recorded in the sales factor condition inquiry DB 286 illustrated in FIG. 58 in the field where the third factor and the FRP are matched in the record of "day D" and the record of "D and USD3 million and September 17, 2013" 2.2% ", which is a sum of 2.1% of the purchase factor factoring rate of 0.1% of the funded RP sub-factoring required margin parameter stored in the parameter storage unit 290 illustrated in FIG. 59 corresponds to the sales factor factoring rate Will be stored.

In step S492, the credit risk cost ratio C of the record of the sales factor condition inquiry DB 286 and the procurement interest rate C of the record in the sales factor condition inquiry DB 286 are stored in the field of the purchase factor ID and URP matched in the record of the alternative storage unit 285, Fund procurement rate (D) 'that simultaneously matches both the period and the in-house factor ID corresponding to the period from the DB 260 to the payment due date of the record, and the Un-funded RP department factorization (C + D + E) obtained by adding the necessary margin parameter (E) 'is stored as a sales factor factoring rate.

In the case illustrated in step S491, in the record of the alternative storage unit 285, 'the third factor and the URP matched field', 'the record of the record of the sales factor condition inquiry DB 286 illustrated in FIG. 58 The credit risk cost ratio of 0.35% and the procurement interest DB 260 shown in FIG. 47, and the in-house factor ID corresponding to the 36 days, which is the period until September 17, 2013, A 3.05% value obtained by adding 0.2% of the Un-funded RP sub-factoring required margin parameter stored in the parameter storage unit 290 illustrated in FIG. 59 to a matching procurement interest rate of 2.5% Lt; / RTI >

If the alternative storage unit 285 is operated as illustrated in steps S491 and S492 in the case illustrated in FIG. 54, the alternative storage unit 285 may be as illustrated in FIG.

If step S492 or S460 has been operated, all of the purchase factor condition reply special IDs matching the sales factor condition inquiry special ID matched to the sales company condition inquiry special ID are stored in the sales factor condition inquiry DB 286 in step S493 .

If the sales factor condition inquiry DB 286 is the example illustrated in FIG. 58 at the time when the step S492 is operated, the sales factor condition inquiry professional ID matched to the sales company condition inquiry specialization 'company YQT130812001' is only the FAQT130812004, The F3RQT130812001 is stored as the purchasing factor condition reply special ID matching with the factor condition inquiry special ID, and it is judged positively in step S493.

In FIG. 57, the time point at which the purchasing factor condition reply message is received is stored as 14:31:15 on August 12, 2013, and a positive determination will be made after that point in step S493.

If the determination in step S493 is affirmative, step S495 is executed, and if the determination is negative, step S494 is operated.

In step S494, a timer (not shown) indicates whether or not the automatic inquiry admission time parameter stored in the parameter DB 290 is added to the time point of the transmission time point of the sale factor condition inquiry-related inquiry and the sales point of the sales company condition inquiry- And judge it.

According to an additional aspect of the present invention, when there is a 'sales factor condition inquiry specialized transmission time point' within an interval of a specific time (eg 30 seconds) in the sales factor condition inquiry DB 286, At step S494, a positive determination is made when the latest transmission time point among the transmission time points within the interval range and the time point at which the automatic inquiry recognition time parameter is added at a time point following the selling point condition inquiry reception time point.

If the determination in step S494 is affirmative, step S495 is performed, and if the determination is negative, step S493 is operated.

29, the sales factor condition inquiry DB 286 is as exemplified in Fig. 58, and the parameter storage unit 290 is the same as the example shown in Fig. 59, In the case of the case where the aspect is applied, it is assumed that the time of the transmission of the condition of the sales enterprise is 14:23:20 on August 12, 2013 and that of the time of the transmission of the sales factor condition, 12, 14:25, 13, ", which is 12 August 2013, 14:25:13, and 30 minutes added on August 12, 2013, 14:55:13, Will be judged.

However, in the case of FIG. 58, when the step S493 is operated at any time after 14:31:15 on August 12, 2013, it is judged positively. On August 12, 2013, 14:55:13 An affirmative determination is first made in step S493, so that step S495 is operated, and an event for making a steady-state determination may not occur in step S494.

In step S495, the purchase company ID, the sales receivable amount, and the payment due date of the record including the sales company condition inquiry professional ID whose matched sales factor condition reply special ID is not matched are extracted in the trade receivable factoring DB 240

If the sales receivable factoring DB 240 is as shown in FIG. 29, the sales factor condition reply special ID is not matched in the five records in which the sales company condition inquiry professional ID is "Enterprise YQT130812001" in the sales receivable factoring DB 240 The purchasing company ID, the receivables amount, and the payment machine days of the records will be extracted, and the purchase company IDs of the records will be the companies A, B, C, D, and F, respectively.

In step S496, the alternative storage unit 285 stores in the alternative storage unit 285 a record including the purchase company ID, sales receivable amount, and payment date, which is matched with the purchase company ID, the sales receivable amount, and the payment due date of the record extracted in step S495 Search.

If the trade receivable factoring DB 240 is as illustrated in FIG. 29 and the alternative storage unit 285 is as illustrated in FIG. 55, the records matching the records of the companies A, B, C, and D A record that is searched and matched to a record in which the purchasing enterprise is Enterprise F will not be retrieved.

If a match is found in step S496, step S497 is performed; otherwise, step S486 is performed.

In step S486, a code meaning 'unavailable' is stored in the sales factor factoring rate field of the corresponding receivable record in the receivables factoring DB 240, and step 525 is operated.

If the trade receivable factoring DB 240 is as illustrated in FIG. 29 and step S486 is executed in the case illustrated in step S496, the trade receivable factoring DB 240 may be as illustrated in FIG. 30 .

In step S497, the lowest sales factor factoring rates are extracted for each record retrieved in the alternative storage unit 285, and if there is a plurality of the lowest sales factor factoring rates, one of them is extracted by a predetermined rule, The factor ID matched with the factoring rate and 'one of FRP and URP' are extracted.

If the alternate storage unit 285 is as illustrated in FIG. 55, and there is a plurality of lowest sales factor factoring rates, the FRP selects the sales factor factoring rates matched first, and if there are a plurality of such factors, In a case where the priority is set in the order of ID alphanumeric, the sales factor factoring fee rate of 2.2% is extracted from the record in which the purchase company ID is the enterprise D, and the 'third factor' matched with the above 2.2% .

In the record where the purchase company ID is the company A, 3.1% of the sales factor factoring fee is extracted and the 'first factor' and the FRP matching the above 3.1% will be extracted.

The sales factor factoring fee rate of 3.6% is extracted and the 'second factor' and URP matched to the above '3.6%' will be extracted in the record where the purchase company ID is the company B.

'First factor and FRP' matched to the above '3.0%' will be extracted in the record where the purchase company ID is the enterprise C.

In step S498, the extracted factor factoring fee is stored in the sales factor factoring fee field of the corresponding receivable record in the receivables factoring DB 240, the extracted factor factor is stored in the purchase factor ID field, FRP when FRP is extracted, URP when URP is extracted, and in-house identification information when it is in-house factoring '.

30, the step S498 is executed in the case illustrated in the step S497, at this time, "F" as the FRP information, "U" as the "URP information", and " In the case of storing 'I' as in-house factoring information, the trade receivable factoring DB 240 may be as illustrated in FIG.

In step S499, the other cost per RP matched to the factor ID extracted in step S497 is extracted from the parameter storage unit 290 when the extracted factor ID is the ID of the in-house factor, and in the case of the other cases, And extracts the extracted price from the sales factor condition inquiry DB 286. If the extracted price is not extracted from the factor DB 280, It is stored in the other cost field.

When the parameter storage unit 290 is as illustrated in FIG. 59, the factor DB 280 is as illustrated in FIG. 48, and the trade receivable factoring DB 240 is the same as illustrated in FIG. 31, , The trade receivable factoring DB 240 may be as illustrated in FIG.

In step S501, the merchandise factoring DB 240 determines whether the in-house factor ID is stored in the purchase factor ID field among the records in which the other cost field values per RP are stored in step S499.

In the case where the accounts receivable factoring DB 240 is the case shown in FIG. 32, there are four records in which the other expenses are stored per RP, none of which contains the in-house factor ID in the purchase factor ID field, All of them will be judged negative in step S501.

If the determination in step S501 is affirmative, step S502 is performed, and if negative, step S503 is performed.

In step S502, information indicating that the purchase factor payment guarantee rate field and the purchase factor factoring fee field are not applicable is stored.

For example, 'N / A' can be stored. If the receivable factoring DB 240 is the same as illustrated in FIG. 32, there is no record in which the in-house factor ID is stored. There will be no.

In step S503, it is determined whether the value stored in the RP method field is FRP.

If the accounts receivable factoring DB 240 is an example as illustrated in FIG. 32, the purchasing company makes a positive judgment on the records of the companies A, C and D, and the purchasing company makes a negative judgment on the record of the company B Will be.

If the determination in step S503 is affirmative, step S504 is operated, and if negative, step S506 is performed.

In step S504, the 'Funded RP part required margin parameter' is extracted from the parameter DB 290, the parameter is subtracted from the sales factor factoring fee rate of the corresponding record in the trade receivable factoring DB 240, and the purchase factor factoring fee rate is calculated , And stores it in the purchase factor factoring fee field of the trade receivable factoring DB 240.

If the parameter DB 290 is an example as illustrated in FIG. 59, 0.1% will be extracted as a required margin parameter of the Funded RP part in the parameter DB 290.

In the record where the purchase company ID is the company A and the purchase factor is the first factor, 3.0% in which the sales factor factoring rate of 3.1% is subtracted from the 0.1% of the funded RP part required margin parameter is calculated in the purchase factor factoring rate field Will be stored.

2.9% of the sales factor factoring rate of 3.0% and the 'Funded RP portion margin 0.1%' are deducted from the purchase factor factoring rate field in the record where the purchasing company ID is the company C and the purchasing factor is the first factor .

 In the record where the purchasing company ID is company D and the purchasing factor is the third factor, 2.1% of the sales factor factoring rate of 2.2% and 0.1% of the funded RP part required margin parameter is deducted from the purchase factor factoring rate field .

As a result, the trade receivable factoring DB 240 will be as shown in FIG.

In step S505, the purchasing factor factoring fee is applied to the period from the payment date of the record to the account receivable amount of the corresponding record in the trade receivable factoring DB 240 by applying the 'purchase factor factoring rate calculated in step S504' And stores it in the purchase factor factoring fee field of the corresponding record in the trade receivable factoring DB 240.

In the case of step S504, if the date on which step S505 is executed is Aug. 12, 2013, the amount of accounts receivable for company A is CNY500,000 and the date of dispatching is October 17, 2013, And the purchasing factor factoring rate is 3.0%, CNY500,000 x 3.0% x 66 days / 365 days = CNY2,712 will be calculated and stored as a factor of purchasing factor.

The amount of accounts receivable for Company C is USD5,000,000, the payment date is September 17, 2013, and the period until the payment date is 36 days. The purchase factor factoring fee rate is 2.9%, so the purchase factor factoring fee is USD5,000,000 x 2.9% x 36 days / 365 days = USD14,301 will be calculated and stored.

The amount of accounts receivable for Company D is USD3,000,000, the date of payment is September 17, 2013, the period to payment is 36 days, the purchase factor factoring fee rate is 2.1%, USD3,000,000 x 2.1% x 36 days / 365 days = USD 6,214 will be calculated and stored.

As a result, the trade receivable factoring DB 240 will be as shown in FIG.

In step S506, the credit risk ratio matching both the company ID stored as the purchasing company ID and the factor ID stored as the purchasing factor ID at the same time is retrieved from the transaction company DB 250 in the 'receivables factoring DB 240'.

In the case illustrated in step S503, if the transaction company DB 250 is as illustrated in Fig. 44, 0.9% of the simultaneously matched company B and the second factor will be searched.

In step S506, if the credit risk cost rate is searched, step S507 is performed; otherwise, step S508 is operated.

In step S507, the 'purchasing factor credit risk cost rate matched to the factor ID' in the 'factor DB 280' is subtracted from the credit risk cost rate retrieved in step S506 to calculate the purchase factor payment guarantee rate, And stores it in the purchase factor payment guarantee rate field of the record.

If the factor DB 280 in the example illustrated in step S506 is as illustrated in FIG. 48, then 0.85% at 0.9% minus the purchase factor credit risk cost rate matched to the second factor in FIG. 48, 0.05% It is calculated as the purchase factor payment guarantee rate and stored in the purchase factor payment guarantee rate field of the trade receivable factoring DB 240.

In step S508, the sales factor condition inquiry DB 286 extracts a record matched with both the purchase company ID, the receivables amount and the payment due date of the corresponding record in the sales receipt factoring DB 240, And stores the guarantee rate in the purchase factor payment guarantee rate field of the trade receivable factoring DB 240.

If it is the case illustrated in step S506, step S508 will not be operated.

In step S509, the 'purchase factor providing guarantee rate calculated in step S507 or S508' is applied to the period until the payment date of the record for the sales receivable amount of the corresponding record in the 'account receivable factoring DB 240' And stores it in the purchase factor payment guarantee field of the record of the trade receivable factoring DB 240. [

If it is the case illustrated in step S506, only the step S507 is operated and the sales receivable amount USD2,000,000 x '66% of the purchase factor payment guarantee rate calculated in step S506' x ', which is the period from October 17, 365 days = USD3,074 will be calculated and stored.

If the trade receivable factoring DB 240 is as illustrated in FIG. 34 before step S507 is executed, the account receivable factoring DB 240 will be as shown in FIG. 35 as a result of the operation illustrated in steps S507, S508, and S509.

In step S515, 'the merchandise factoring DB 240 retrieves matched purchase factor IDs corresponding to the records in which the sales factor factoring rates are stored, adds up the receivable amounts matched for the matched purchase factor IDs, If the matched factor ID is the ID of the in-house factor, the reduction of the purchase pack factor credit limit matched with the matched factor ID is not performed.

If the CNY exchange rate at the time when the trade receivable factoring DB 240 is as illustrated in FIG. 35 and the step S515 is operated is 1 USD = 5 CNY, the trade receivables amount of CNY500,000 of the trade receivable with the purchase company ID of Company A is USD100, 000 and the first factor is matched with the purchase receipt record as the purchase factor ID.

The trade receivable amount of the trade receivable whose purchase company ID is the corporation B is USD2,000,000 and the second factor is matched as the purchase factor ID.

The trade receivable amount of the trade receivable whose purchase company ID is the enterprise C is USD5,000,000 and the first factor is matched as the purchase factor ID.

The trade receivable amount of the trade receivable whose purchase company ID is corporation D is USD3,000,000 and the third factor is matched as the purchase factor ID.

Therefore, USD100,000 + USD5,000,000 = USD5,100,000 is calculated as the total amount matched to the first factor, USD2,000,000 is calculated as the total amount matched to the second factor, USD3,000 is calculated as the total amount matched to the third factor, 000,000 will be calculated.

If the factor DB 280 is the same as illustrated in FIG. 48 before the step S515 is operated, the factor DB 280 after the step is operated may be as illustrated in FIG.

In step S516, the sales receivable amount, the purchasing factor ID, and the purchase company ID are matched according to the records in which the sales factor factoring fee is stored in the sales receipt factoring DB 240, and the purchase company ID, A credit limit at which both the purchasing company ID and the purchasing factor ID are matched at the same time is searched in the transaction company DB 250 If not, such reduction shall not be made.

When the trade receivable factoring DB 240 is as illustrated in FIG. 35 and the transaction company DB 250 is operated in step S516 in the example illustrated in FIG. 44, the first factor matched with the companies A, B, and C The credit limit of the second factor is reduced by the amount of the receivables and the credit limit matched at the same time to the company D and the third factor is not searched in the transaction company DB 250, 250). As a result, the transaction company DB 250 can be illustrated as shown in FIG.

In step S520, the financial calculator 235 applies the stored sales factor factoring fee to the sales receivable factoring DB 240 with respect to the sales receivable amount of the record in which the sales factor factoring fee is stored, to the payment due date of the record The sales factor factoring fee is calculated, and the calculated sales factor factoring fee is stored in the sales factor factoring fee field of the record.

If the one year is calculated as 365 days and the trade receivable factoring DB 240 is operated as shown in FIG. 35 and step S520 is executed,

'Accounts receivable amount for Company A CNY500,000' x 'Period of service until October 17, 2013, 66 days / year 365 days' x Sales factor Factoring rate 3.1% = CNY2,802 per year Sales factor Factoring fee .

'Accounts receivable amount for company B USD2,000,000' x 'Payment period 36 days / 365 days until October 17, 2013' x Sales factor Factoring fee rate 3.6% = USD13,019 per year Sales factor Factoring fee .

'Accounts Receivable Amount USD5,000,000 for Company C' x 36 days / 365 days until September 17, 2013, the date of the payment machine 'x Sales Factor Factoring Factoring 3.0% = USD14,795 per year for sales factor Factoring fee .

'Accounts receivable amount for company D USD3,000,000' x '36 days / 365 days until September 17, 2013, the date of the payment machine' x Sales factor Factoring factoring rate 2.2% = USD6,510 per year Sales factor Factoring fee .

As a result of the calculation, the trade receivable factoring DB 240 illustrated in FIG. 35 may be as illustrated in FIG.

In step S521, the sales factor and other expenses are retrieved from the parameter storage unit 290, and the sales factor and other expenses are calculated in the sales receipt factoring DB 240 as 'other expenses per RP of each record in which the sales factor and other expenses are not stored' And is stored as a sales factor or other cost of the record.

If the parameter storage unit 290 is as shown in Fig. 59 and the accounts receivable factoring DB 240 is as shown in Fig. 36 and the applicable exchange rate at the time when step S511 is operated is 1 USD = 1,000 won (KRW)

For the trade receivables for company A and for trade receivables for company C, 10,000 won + USD10x1,000 = 20,000 won will be calculated, respectively.

For the accounts receivable for Company B, 10,000 won + USD11x1,000 = 21,000 won will be calculated.

For the case of accounts receivable for company D, 10,000 won + 0 = 10,000 won will be calculated.

As a result of the calculation, the trade receivable factoring DB 240 illustrated in FIG. 36 may be as illustrated in FIG.

In step S525, a predetermined sales factor condition reply special ID is generated.

For example, the factor ID of the owner of the sales factor system 200, the abbreviation RQT of 'Response for the Query over factoring Terms &conditions', the transmission date of 'August 12, 2013' and the serial number '003' To generate a " factor ARQT 130812003 ".

In step S550, the professional preparing unit 230 registers the sale factor condition reply special ID, the sales company condition inquiry professional ID of the corresponding record in the trade receivable factoring DB 240, the purchase company ID, the sales receipt amount, And a sales factor condition reply form including a fee rate, a sales factor factoring fee, and a sales factor other fee.

If the sales factor condition reply professional ID is as exemplified in step S525 and the trade receivable factoring DB 240 is as illustrated in Fig. 37, the sales factor condition reply specification created by step S550 is as shown in Fig. 76 It will be like that.

In step S555, the transmission / reception unit 210 transmits the generated sales factor condition reply to the sales company system 300 matching the sales company ID 'matched to the sales company condition inquiry professional ID in the sales receipt factoring DB 240 send.

In step S556, the sales factor condition return reply message ID and the sales factor condition reply reply message transmission time point are stored in the corresponding receivable record in the receivable factoring DB 240. [

If the sale factor condition reply exemplified in step S550 is transmitted at 14:48:51 on August 12, 2013, the trade receivable factoring DB illustrated in FIG. 37 may be as illustrated in FIG.

FIG. 13 is a flowchart of a detailed method for a step S600 of the sales company system 300 receiving the sale factor condition reply in the flowchart shown in FIG. 5 to create a factoring application special.

The details of the step (S600) of the sales company system 300 that has received the sale factor condition reply special from the sales factor system 200 to create the factoring application specialist will now be described with reference to the flowchart of FIG. 13, I will illustrate and explain.

In step S590, the transmission / reception unit 310 of the sales company system 300 receives the sales factor condition reply special.

In step S591, the sales company condition inquiry professional ID, the purchase company ID, the sales receipt amount, the payment machine date, the sales factor condition reply special ID, the sales factor factoring fee, the sales factor factoring fee, and the sales factor and other costs are read out in the abovementioned specialization.

In step S592, a record in which the sales company condition inquiry professional ID, the purchase company ID, the receivables amount and the payment due date are matched is retrieved from the receivable factoring DB 340, and the read sales factor condition reply expert ID Sales Factor Condition The reply-to-point information and the sales factor factoring fee, the sales factor factoring fee, and the sales factor and other expenses are stored.

If the sales receipt factoring DB 340 of the sales company system 300 of the company Y is as shown in FIG. 60 and receives the sales factor condition reply as exemplified in FIG. 76, The trade receivable factoring DB 340 may be as illustrated in FIG.

In step S593, the sales factor factoring fee is applied to the sales factor factoring fee in the 'record storing the sales factor factoring fee in step S592' in the trade receivable factoring DB 340, A factoring fee is calculated and the calculated value and the sales factor and other costs of the record are summed and calculated and stored as the total costing factor.

61, if the applied exchange rate searched in the applicable exchange rate storage unit (not shown) is 1 CNY = 200 KRW and 1 USD = 1,000 KRW,

The total cost of trade receivables for company A is 2,802x200 + 20,000 = 580,400 won,

The total factoring cost of trade receivables for company B is 13,019x1,000 + 21,000 = 13,040,000 won,

The total factoring cost of trade receivables for company C is 14,795x1,000 + 20,000 = 14,815,000 won,

The total factoring cost for trade receivables for company D will be 6,510x1,000 + 10,000 = 6,520,000 won.

In step S594, a value obtained by dividing the total value of the total factoring cost of each trade receivable calculated in step S593 by the amount of the receivables is stored in the corresponding record of the trade receivable factoring DB 340 as the total factoring cost of each trade receivable.

If step S594 is executed on August 12, 2013 and the total factoring cost for each trade receivable is as exemplified in step S593 and the year is calculated to be 365 days,

The total factoring cost for the trade receivables for company A is 580,400 x (365 days / '66 days', which is the period until October 17, 2013, the date of payment) / (trade receivable amount CNY500,000 x applied exchange rate 200) = 3.21 %.

The total factoring cost for trade receivables for company B is 13,040,000 x (365 days / '66 days,' which is the period until October 17, 2013, the date of payment) / (trade receivable amount USD2,000,000 x exchange rate 1,000) = 3.61 %.

The total factoring cost for trade receivables for company C is 14,815,000 x (365 days / '36 days', which is the period until September 17, 2013) / (trade receivable amount USD5,000,000 x applied exchange rate 1,000) = 3.00 %.

The total factoring cost for trade receivables for company D is 6,520,000 x (365 days / '36 days', which is the period until September 17, 2013, the date of the payment) / (trade receivable amount USD3,000,000 x exchange rate 1,000) = 2.20 %.

If the trade receivable factoring DB 340 is operated as illustrated in steps S593 and S594 in the situation shown in FIG. 61, the trade receivable factoring DB 340 will be as shown in FIG.

In step S595, the person in charge of the sales company inputs the sales factor condition reply inquiry selection information to the input unit 392 according to the work schedule.

In step S596, among the records in which the sale factor condition reply special ID exists in the sales receivable factoring DB 340, records in which the factual request special ID is not matched are extracted as the records whose payment due date is not yet arrived.

In step S597, the purchasing company ID, the sales receivable amount, the payment date, the total factoring cost, the factoring total cost ratio, the factoring application check box, and the sales factor ID of the record extracted in step S596 are matched and output, A predetermined sales factor condition reply inquiry screen including an application confirmation box is output.

If the accounts receivable factoring DB 340 is as illustrated in FIG. 62 and the operation is as exemplified in steps S595 and S596, the outputted sales factor condition reply inquiry screen may be illustrated as in FIG.

The specific factoring application check box selection information and the factoring application confirmation box selection information are input to the input unit 392 in step S598.

Here, the specific factoring application check box selection information includes at least one of a sales factor ID, a purchase company ID, a sales receivable amount, a payment factor total cost factor and a factorization total cost rate listed in the sales factor condition reply inquiry screen, And information indicating that a predetermined checkbox is matched with the purchasing company ID, the receivables amount, the dispenser work, the total factoring costing factor and the total factoring cost ratio, and is output.

Here, the factoring application confirmation box selection information refers to information in which a selection box for confirming the fact application is matched with the matching receivables matched to the selected factoring application selection boxes.

77, the sales person in charge of the sales company wants to apply for factoring only for the accounts receivable for the companies C and D having a factoring total cost ratio of 3.10% or less , The corresponding 'specific factoring application check boxes' and the corresponding 'factoring application confirmation box', as illustrated in FIG. 78, will be selected.

In step S599, a predetermined factorization application special ID is generated.

For example, the ID of the owner of the sales company system 300 'Company Y' and the abbreviation AFT of 'Appplication for the Factors with the Terms &conditions' and the transmission date 'Aug. 12, 2013' and the serial number '002' It is possible to illustrate that 'YAFT130812002' is generated.

In step S600, the professional preparing unit 330 reads out the purchasing company ID, the sales receivable amount and payment date matched with the selected check box on the sales factor condition reply inquiry screen, A sales order factor, a sales factor, a sales factor, and a sales factor, and a sales order factor, a sales factor, a sales factor, and a sales factor, .

If the person in charge of the sales company selects the specific factoring application check box and selects the factoring application confirmation box as shown in FIG. 78, the factoring application professional may be illustrated as shown in FIG.

In step S605, the transmitting / receiving unit 310 transmits the factoring application telegram to the sales factor system 200 matching the sales factor condition reply special ID.

In step S610, the factorization application professional ID and the factorization application professional transmission point of time are stored in the receivables factoring DB 340 by matching the information on the receivables.

79 is transmitted from the trade receivable factoring DB 340 illustrated in FIG. 62 at 15:07:11 on August 12, 2013, the trade receivable factoring DB 340 is arranged as shown in FIG. 63 Can be illustrated.

14, the sales factor system 200 receiving the fact application request in the flowchart shown in FIG. 5 deposits the sales factor factoring price in the sales company account (S700), creates the RP application special (S810) 0.0 > flowchart < / RTI > of one embodiment.

Referring to FIG. 14, the sales factor system 200 receiving the factoring application specialist deposits the sales receipt factoring amount into the sales company account (S700), creates the RP application special (S810), and transmits the purchase order to the purchasing factor system 100 I will explain the details of the transmission.

In step S690, the transmission / reception unit 210 of the sales factor system 200 receives the factoring application special from the sales company system 300. [

In step S691, the sale factor condition reply special ID, the factoring application special ID, the purchase company ID, the sales receivable amount, the dispenser work, the sales factor factoring fee, the sales factor factoring fee, and the sales factor and other costs are read out in the above-mentioned specialization.

In step S692, the sales receipt factoring DB 240 searches for a record that matches both the sales professional factor ID, purchase company ID, sales receivable amount, and payment date read in step S691.

38 and the factification application is as shown in FIG. 79, the trade receivable record for company C and the receivable record for company D in the trade receivable factoring DB 240 are all the above It will be retrieved as a matching record.

If no records matching all of the conditions are found in step S692,

In step S720, the professional preparing unit 230 reads out a predetermined receipt information discrepancy notification notice including the factoring application special ID read in step S691, the sales factor condition reply special ID, the purchase company ID, the receivables amount and the due date Lt; / RTI >

In step S721, the transmission / reception unit 210 transmits the sales receipt factoring condition discrepancy notification message to the sales company system 300. [

If a record that matches all of the conditions is searched in step S692,

In step S693, the sales factor factoring rate and the sales factor and other costs are extracted from the record.

The selling factor factoring fee is calculated by applying the 'sales factor factoring fee rate extracted at the step S693' to the 'payment due date read at the step S691' with respect to the 'amount of the sales receipt read at the step S691' in the step S694 .

In the case illustrated in step S692, a sales factor factoring fee equal to the value stored in the corresponding record in the trade receivable factoring DB 240 for the trade receivable for company C and the trade receivable for company D will be calculated.

It is determined in step S695 whether the sales factor factoring fee calculated in step S694 matches the selling factor factoring fee read in step S691.

In the case illustrated in step S694, both the trade receivable for company C and the sales receivable for company D are identical to the 'sales factor factoring fee read in step S691', and thus the determination in step S695 will be affirmative.

If a negative determination is made in step S695,

In step S720, the specialty drafting unit 230 prepares a notarized notice of the sales receipt factoring condition including the sales factor factoring fee calculated in step S693 and the selling factor factoring fee read in step S691.

If a positive determination is made in step S695,

In step S696, it is determined whether the 'sales factor other cost extracted in step S693' matches the 'sales factor other cost' read in step S691.

In the case illustrated in step S694, both the sales receivable case for company C and the sales receivable case for company D are identical to the 'sales factor and other costs read in step S691', and therefore, the determination in step S696 is positive .

If a negative determination is made in step S696,

In step S720, the specialty drafting unit 230 prepares a notifying notification of the sales receipt factoring condition including the "sales factor other expense extracted in step S693" and the "sales factor other expended in step S691".

If the determination in step S696 is affirmative,

The sales company account ID matched to the sales company ID is extracted from the transaction company DB 250 in step S697.

In the case of step S696, if the transaction company DB 250 is the same as illustrated in FIG. 44, the transaction company account ID 'B1 bank 107-12345-007' matched to the company Y as a sales company will be extracted.

In step S700, the control unit 220 controls the sales company account ID to deposit the amount of the sales receipt amount minus the sales factor, the selling factor, and other expenses.

In step S780, a record in which the ID of the in-house factor ID is stored in the purchase factor ID field among the records in which the RP application ID is not stored among the records in which the condition reply special ID is stored in the sales receivable factoring DB 240 Are extracted.

38, the RQT 130812003 is stored as the condition reply special ID in all of the five records, and the RP application special ID is not stored. However, if 'In-house factor ID' is stored in four records in which the companies A, B, C, and D are stored in the purchase company ID field among the above five records, and step S780 is performed, Will be extracted.

In step S781, the purchase company ID is extracted for each record of the accounts receivable factoring DB 240 extracted in step S780, the record in which the purchase company ID is stored is retrieved from the transaction company DB 250, An ID of the RP preliminary commission notification in which the purchasing factor ID of the record of the sales receipt factoring DB 240 matched with the ID of the RP preliminary commodity notice matched in the record 250 is retrieved.

If the trade receivable factoring DB 240 is as shown in FIG. 38 and the transaction company DB 250 is operated in step S781 in the example shown in FIG. 44, Four records in which A, B, C, and D are respectively stored will be retrieved,

In the record in which the company A is stored, the first factor RPC130801001 is searched as the RP line commu- nication notification special ID matched with the first factor,

In the record in which the company B is stored, the second factor RPC130625002 is searched as the RP line commu- nication notification special ID matched with the second factor,

In the record in which the enterprise C is stored, the first factor RPC130801001 is searched as the RP line commit notification notified ID matched with the first factor,

In the record in which the company D is stored, the RP pre-commodity notification special ID with which the third factor is matched will not be retrieved.

If the special ID is searched in step S781, step S790 is operated,

Otherwise, step S782 is operated.

In step S782, the sales factor condition inquiry DB 286 for each record in which the professional ID is not searched records in which the purchase company ID, the receivables amount and the due date coincide with those of the sales receipt factoring DB 240 record The purchasing factor condition reply special ID is retrieved.

If the sales receivable factoring DB 240 is as illustrated in FIG. 38 and the sales factor condition inquiry DB 286 is as illustrated in FIG. 58 and is the same as the example illustrated in step S781, the sales factor condition inquiry DB 286 &Quot; Purchasing company ID = company D, trade receivable amount = USD3,000,000, payment date = September 17, 2013 ", and F3RQT130812001 stored in the purchase factor condition reply special ID field in the retrieved record is retrieved will be.

In step S790, the control unit 220 generates a predetermined RP application professional ID for each record in which the RP line commitment notice specialized ID is found in step S781 and the record where the purchase special factor condition reply special ID is retrieved in step S782, And stores it in the receivable factoring DB 240.

If the RP application professional ID is generated by combining the sales factor ID and the RRP, the date and the serial defense, which is an abbreviation of 'Request for RP'

A factor ARRP 130812001 'is generated for the trade receivable factoring record for the company A in which the RP line commitment notice specialized ID is found in step S781, and a' factor ARRP 130812002 'for the trade receivable factoring record for the companies B and C in the same case Quot; ARRP130812003 " and generates and stores a 'factor ARRP130812004' in the sales receipt factoring record for the company D in which the purchasing factor condition reply professional ID is searched in step S782.

As a result, the trade receivable factoring DB 240 illustrated in FIG. 38 may be as illustrated in FIG.

In step S791, the sales receivable factoring DB 240 searches for the RP method for each sales receivable factoring record in which the RP application ID is generated in step S790.

If the trade receivable factoring DB 240 is as illustrated in Fig. 39 in the example illustrated in step S790, FRP will be searched in the accounts receivable factoring record for the companies A, C, and D, and the receivable factoring In the record, URP will be searched.

When the FRP is searched as an RP method in step S791, the professional preparing unit 230 in step S810 receives the RP application professional ID generated in step S790, the sales factor ID, the RP line commission notification special ID retrieved in step S781, The purchasing company ID, the sales company ID, the sales receivable amount, the payment machine date, the purchase factor factoring fee, the purchasing factor factoring fee, and the purchase factor factoring fee (RP) in the corresponding record of the purchasing factoring DB 240 Quot; other expenses per case " and an account ID " searched by matching the purchasing factor ID in the factor DB 280 with each other.

If the trade receivable factoring DB 240 is as illustrated in FIG. 39 and the factor DB 280 is as illustrated in FIG. 49 in the case illustrated in step S791, for trade receivable factoring for the companies A, C, and D It is possible to prepare the RP application as illustrated in FIGS. 80, 82 and 83, respectively.

If the URP is searched as an RP method in step S791, the professional preparing unit 230 in step S811 receives the RP application professional ID generated in step S790, the sales factor ID, the RP line commitment notice professional ID retrieved in step S781, A purchasing company ID, a sales company ID, a sales receivable amount, a payment machine work, a purchase factor payment guarantee fee rate, a purchase factor payment guarantee fee, and a RP of the corresponding record in the sales receipt factoring DB 240 Quot; other expenses per case " and an account ID " searched by matching the purchasing factor ID in the factor DB 280 with each other.

If it is the case illustrated in step S791, an RP application can be prepared as illustrated in FIG. 81 for trade receivable factoring for company B.

According to a further aspect of the present invention, the sales order factor account ID may be further included in the RP application telegram created in step S810 or S811. However, in the present specification, only the embodiment in which the account ID of the sales factor is already stored in the purchase factor system is omitted for brevity.

In step S830, the transmission / reception unit 210 transmits the RP application telegram prepared in step S810 or S811 to the purchase factor system matching the purchase factor ID included in the above-mentioned specialization.

In step S831, the RP application telegram transmission time point is stored in the trade receivable factoring DB 240 in correspondence with the corresponding RP application telegram ID for each 'RP application telegram transmitted in step S830'.

If all of the specializations are transmitted at 14:49:03 on August 12, 2013 in the case illustrated in steps S810 and S811, the trade receivable factoring DB 240 illustrated in FIG. 39 may be as shown in FIG. 40 .

In step S832, the control unit 220 receives the 'purchase factor factory fee included in the specialization and other expenses per RP' as the account ID 'included in the RP application completed in step S810,' the RP application created in step S811 The account ID included in the specialization is controlled such that the 'purchase fee guarantee fee included in the above-mentioned specialization and other expenses per RP' are received.

In another embodiment of the present invention, instead of depositing the purchase factor factoring fee in the purchase factor account of the sales factor, the purchasing factor may be subtracted and deposited when depositing the sales receipt factoring fee in the sales factor account. In this case, step S832 is omitted. However, in this specification, for simplicity of description, only the embodiment in which the sales factor deposits the purchase factor factoring fee in the purchase factor account has been described.

FIG. 15 is a flowchart of a detailed method for performing RP processing by the purchasing factor system 100 receiving the RP application request in the flowchart shown in FIG.

Referring now to FIG. 15, the detailed operation of performing the RP processing by the purchasing factor system 100 receiving the RP application application will be described.

In step S890, the transceiver 110 of the purchasing factor system 100 receives the RP application telegram.

If the RP application specifications illustrated in steps S810 and S811 are transmitted, the system of the first factor becomes the purchase factor system 100, and the transmitter / receiver unit 110 receives the RP application specifications illustrated in FIGS. 80 and 82 Will be.

In step S891, the RP application professional ID, the sales factor ID, the RP special commu- nication notification special ID, and the purchase factor condition reply special ID are used in the above-mentioned specialization, the purchase factor guarantee charge rate and the purchase factor payment guarantee fee, Rate and purchasing factor factoring fees, and other costs per RP, as well as "purchasing company ID, sales company ID, trade receivable amount and payment date".

If it is the case illustrated in step S890, the control unit 120 determines whether or not the RP ARRP130812001 (RP application professional ID), the factor A (sales factor ID), the first factor RPC130801001 ), 3.0% (purchasing factor factoring fee), CNY2,712 (purchasing factoring fee), USD10 (other expenses per RP), company A (purchasing company ID), company Y 82), Factor A (Sales Factor ID), First Factor RPC130801001 (Secondary Factor RPC130801001), and the First Factor RPC130801001 (Secondary Factor RPC130801001) will be read on October 17, 2013 RP), 2.9% (purchase factor factoring fee), USD14,301 (purchase factor factoring fee), USD10 (other expenses per RP), Enterprise C (purchase company ID), Enterprise Y , USD5,000,000 (trade receivables), and September 17, 2013 (due date).

In step S892, it is determined in step S891 if the RP preliminary commodity notification specialized ID is read in the RP application telegram.

Step S893 is executed when an affirmative determination is made in step S892, and step S920 is performed when a negative determination is made.

If it is the case illustrated in step S891, it is determined that all of the two RP application specials are positive, and step S893 will be operated.

In step S893, it is determined in step S891 whether the purchase factor factoring fee rate has been read in the RP application telegram.

Step S895 is executed when an affirmative determination is made in step S893, and step S910 is performed when a negative determination is made.

In step S895, the sales factor ID, the RP line commitment notification professional ID, the RP application professional ID, the purchase factor factoring fee and the purchase factor factoring fee, the other costs per RP, The company ID, the receivable amount, and the payment due date are matched and stored.

If step S895 is executed in the case illustrated in step S891, the trade receivable RPDB 145 will be as illustrated in Fig.

In step S896, the RP line commitment limit, the RP line commitment expiry date, and the purchase factor payment guarantee rate, which are simultaneously matched to the sales factor ID, the RP line commitment notification professional ID and the purchase company ID, And retrieves the 'purchase factor payment guarantee required margin, purchase factor required margin, and other expenses per RP' matched to the sales factor ID in the factor DB 180.

If the RP precompensation DB 170 is the same as illustrated in FIG. 23 in the case illustrated in step S891, the RP line commitment limit that is 'matched simultaneously to the factor A and the first factor RPC130801001 and the company A' is USD10 million and the RP line As of December 31, 2013, the commission guarantee rate is 0.7% as a guaranteed commission rate, and the RP commitment limit, which matches both the factor A and the first factor RPC130801001 and Company C at the same time, is USD20 million and the RP commitment expiry date As of December 31, 2013 and 0.6% as the purchase factor payment guarantee rate.

If the factor DB 180 is the same as illustrated in FIG. 25, it is assumed that 0.1% is satisfied as the purchase factor guarantee guarantee margin matched to the factor A, which is the sales factor ID, 0.2% as the purchase factor factoring margin, USD10 will be searched

If the RP line commitment limit, the RP line commitment expiration date, and the purchase factor payment guarantee rate are searched in step S896, step S897 is operated; otherwise, step S940 is operated.

In step S897, the control unit 120 determines whether the amount of the receivable amount read in the RP application is within the RP line commitment limit retrieved from the RP line commission DB 170 (RP line commitment fourth determination) It is judged whether or not the 'payment date read by the RP application specialist' is within the RP pre-commodity expiration date retrieved from the RP precommunication DB 170 (the RP commodity fifth judgment), ' Factoring fee rate "and" factor DB (160) "that are matched in the period corresponding to the payment date read out in the procurement interest rate DB 160 from the purchase factor payment guarantee rate searched in the RP line commitment DB 170 180) to the purchase factor factoring fee calculated by summing up the purchase factor factoring necessary margin matched to the factor ID and subtracting the purchase factor payment guarantee required margin matched to the factor ID in the factor DB 180 (Determination of RP line commitment No. 6), and if the purchase factor factoring fee is read in the RP application, And determines whether or not the purchasing factor factoring fee calculated by applying the calculated factor factoring fee to the period until the payment date is read out (determination of RP line commitment seventh) It is determined whether the other cost per RP is equal to the 'other cost per RP matched to the factor ID in the factor DB 180 (RP line commitment eighth judgment).

23, the procurement interest DB 160 is as illustrated in FIG. 20, and the factor DB 180 (FIG. 23) is the same as that shown in FIG. ) Is as shown in FIG. 25, and when the step S897 is on August 12, 2013 and the exchange rate at that time is 1 USD = 5 CNY, in case of the trade receivable for the company A, The decision on the RP line commitment 4 will be positive because the amount of the receivable amount CNY500,000 = USD100,000 'is less than the RP line commitment limit for the company A that is searched in the RP line commitment DB 170 and is within USD10 million.

'Dec. 17, 2013, which is the date of dispatch from the specialist in RP applications, is within' Dec. 31, 2013 ', which is the RP commission validity date retrieved from the RP line commission DB (170) It will be positive.

The purchase factor factoring fee rate 3.0% read from the RP application specialist is calculated as 0.7% of the purchase factor payment guarantee rate retrieved from the RP line commitment DB 170 and the procurement rate DB 160 A procurement interest rate of 2.2% matching the corresponding period section and 0.2% of the purchase factor factoring required margin matched to the factor ID in the factor DB 180 are summed up and the factor ID 180 is added to the factor ID It is consistent with the purchasing factor factoring fee rate of 3.0%, which is calculated by subtracting 0.1% of the matched purchase factor payment guarantee margin.

The purchasing factor factoring fee is read as CNY2,712 in the above-mentioned RP application telegraphy, and the calculated factoring factor of 3.0% is applied to 66 days as of October 17, 2013, When the factoring fee is calculated, the amount of receivables amounted to CNY500,000 x 3.0% x 66 days / 365 = 2,712, which is consistent with the purchased purchase factor factoring fee.

The other cost per RP for the RP was read as USD10 and the other cost per RP for the RP matched to the factor ID in the factor DB 180 was also retrieved as USD10 and matched with the read value, It will be positive.

In the case of accounts receivable for Company C, 'USD5,000,000', which is the amount of the receivables read from the RP application, is within 'USD20 million', which is the RP line commitment limit for Company C that is searched in the RP line commitment DB (170) The fourth RP RP commitment decision will be positive.

'RP Dec. 17, 2013, which is the payload of the RP application, will be within' Dec 31, 2013 ', which is the RP expiration date that was retrieved from the RP pre-emption DB (170). It will be positive.

2.9% of the purchase factor factoring fee rate read from the RP application specialist is calculated as 0.6% of the purchase factor payment guarantee rate searched in the RP line commitment DB 170 and in the procurement rate DB 160 A procurement interest rate of 2.2% matched to the corresponding period and a 0.2% of the purchase factor factoring required margin matched to the factor ID in the factor DB 180 are summed up and the factor ID 180 is added to the factor ID It is in agreement with the purchase factor factoring fee rate of 2.9% calculated by subtracting 0.1% of the matched purchase factor guarantee guarantee margin.

The purchasing factor factoring fee is read as USD14,301 in the special case of the RP application and the calculated purchase factor factoring fee rate 2.9% is applied to the 36 days as of September 17, 2013, When the factoring fee is calculated, the amount of trade receivables is USD5,000,000 x 2.9% x 36 days / 365 = 14,301, which is in line with the purchased factor factoring cost, so the decision on the RP line will be positive.

The RP fee commitment eighth judgment would also be positive since the other charges per RP were read to the USD 10 in the application special and the other costs per RP number matched to the factor ID in the factor DB 180 were also retrieved and matched to USD10 .

If it is determined in step S897 that both the RP preliminary fourth determination, the RP preliminary commodity fifth determination, the RP preliminary commodity sixth determination, the RP preliminary seventh determination and the RP preliminary commodity eighth determination are both positive (Yes) S898 is operated; otherwise, step S940 is operated.

In step S898, the sales factor account ID matched to the sales factor ID is extracted from the factor DB 180. [

If the factor DB 180 is the same as illustrated in FIG. 25, 'A03: XXX-XXXXXX-00101' will be extracted as the sales factor account ID matched to the factor A as the sales factor.

According to another aspect of this embodiment, the sales factor account ID is read in the RP application, and step S898 may be omitted. However, in the following description, the sales factor account ID is stored in advance in the factor DB 180 in order to simplify the description.

In step S899, the RP line commitment limit matched simultaneously to the sales factor ID and the purchase company ID is updated in the RP line commitment DB 170 to an amount obtained by subtracting the sales receipt amount.

If the RP pre-commit DB 170 is as illustrated in Fig. 23 and step S899 is executed in the case illustrated in step S897, the RP pre-commit DB 170 may be as illustrated in Fig.

In step S900, the controller 120 controls the sales receipt amount to be deposited into the sales factor account ID extracted in step S898.

According to another embodiment of the present invention, instead of depositing the purchase factor factoring fee and other costs per RP at the time of application of the RP in the account of the purchasing factor, at step S900, Purchasing Factor Controls the amount of the deduction of the factoring fee and other expenses'.

However, in order to simplify the description in this specification, the sales factor deposits a purchase factor factoring fee and other expenses at the time of applying the RP to the account of the purchasing factor, and at step S900, the control unit 120 receives the purchase factor factor The amount of money to be paid and the amount of money not deducted from other expenses' are deposited.

In step S910, the sales factor ID, the RP line commitment notification professional ID, the RP application professional ID, the purchase factor guarantee guarantee rate, the purchase factor guarantee guarantee fee, the other expenses per RP, and the purchase company ID And the sales company ID, the sales receivable amount and the payment due date are matched and stored.

In step S911, the RP line commitment limit, the RP line commitment expiry date and the purchase factor payment guarantee fee rate, which are simultaneously matched to the sales factor ID, the RP line commitment notification professional ID and the purchase company ID, are retrieved in the RP line commitment DB 170 , And retrieves the other expenses per RP matched to the sales factor ID in the factor DB 180.

If the RP line commitment limit, the RP line commitment expiration date, and the purchase factor payment guarantee rate are searched in step S911, step S912 is performed; otherwise, step S940 is operated.

In step S912, the control unit 120 determines whether the amount of the receivable amount read in the RP application is within the RP line commitment limit retrieved from the RP line commission DB 170 (RP line commitment fourth determination) It is judged whether or not the 'payment date read by the RP application specialist' is within the RP pre-commodity expiration date retrieved from the RP precommunication DB 170 (the RP commodity fifth judgment), ' Determines whether the payment guarantee rate 'matches the purchase factor payment guarantee rate' retrieved from the RP line commitment DB 170 (RP judgment 9th judgment). If the purchase charge guarantee fee is read in the RP application, Factor charge guarantee fee "matches the purchase factor charge guarantee rate calculated by applying the searched purchase factor guarantee charge rate to the read receipt amount with respect to the period up to the read payment date (RP line commitment tenth judgment )and,

It is determined whether the 'other expenses per RP read in the RP application specialist' matches the 'other expenses per RP matched to the factor ID' in the 'factor DB 180' (RP conclusion eighth judgment).

If it is determined in step S912 that both of the RP precommunication fourth determination, the RP precommunication fifth determination, the RP precommunication ninth determination, the RP preliminary tenth determination and the RP preliminary tenth determination are both positive (Yes) S913 is operated. Otherwise, step S940 is operated.

In step S913, the RP line commitment limit matched simultaneously with the sales factor ID and the purchase company ID in the RP line commitment DB 170 is reduced by the amount of the receivables amount.

In step S920, the RP condition reply DB 187 retrieves the 'received purchase factor condition reply professional ID' in step S891.

If the purchase factor ID is the third factor and the purchasing factor system 100 'receives the RP application for example illustrated in FIG. 83, the RP condition reply DB 187' receives the 'purchasing factor condition reply special ID F3RQT130812001' Will be searched.

Step S921 is performed when the purchasing factor condition reply special ID is retrieved in step S920, and step S940 is performed otherwise.

If the RP condition reply DB 187 'is the same as illustrated in FIG. 27 in the example illustrated in step S920, the purchase factor condition reply special ID is retrieved and step S921 will be operated.

In step S921, it is determined in step S891 whether the purchase factor factoring fee rate has been read in the RP application telegram.

If it is the case illustrated in step S920, the purchase factor factoring fee rate is retrieved as 2.1% as illustrated in FIG. 83, and a positive determination will be made in step S921.

Step S922 is performed when an affirmative determination is made in step S921, and step S930 is performed when a negative determination is made.

In step S922, the sales factor ID read in step S891, the purchase factor condition reply professional ID, the RP application professional ID, the purchase factor factoring fee, the purchase factor factoring fee, and other costs per RP, ID, sales company ID, sales receivable amount and payment date "are stored.

If step S922 is executed in the case illustrated in step S920, the trade receivable RPDB 145 'will be as illustrated in Fig.

In step S923, the RP condition reply DB 187 'retrieves the sales receivable amount, the payment machine date and the purchasing factor factoring fee which are simultaneously matched to the sales factor ID, the purchasing factor condition reply professional ID and the purchase company ID, 190 ') to retrieve other costs per RP.

According to another aspect of the present invention, the other expenses per RP can be retrieved by matching the sales factor ID in the factor DB 180 '. However, in order to simplify the description, when the purchasing factor system 100 of the first factor described above is explained, the other costs per RP are stored in the factor DB 180 and stored , And a description of the third factor purchasing factor system 100 ', which is now illustrated, is limited to the case that other costs per RP are stored and retrieved in the parameter DB 190'.

If the RP condition reply DB 187 'is as shown in Fig. 27 and the parameter storage unit 190 is as shown in Fig. 28 and the step S923 is executed in the case illustrated in step S920, USD3,000,000 Will be searched and retrieved on September 17, 2013 as the due date, the purchase factor factoring rate will be retrieved as 2.1% and other costs per RP will be retrieved as '0'.

In step S923, if the sales receivable amount, the payment machine date, and the purchase factor factoring fee are found in the RP condition reply DB 187 ', step S924 is executed; otherwise, step S940 is executed.

In step S924, the control unit 120 determines whether the amount of the receivable amount read in the RP application is equal to the amount of the receivable amount retrieved from the RP condition reply DB 187 (RP condition reply first judgment) It is judged whether or not the payment date read in the RP application specialist matches the payment date retrieved from the RP condition reply DB 187 (second determination of the RP condition reply), and the determination of the purchase factor factor (The third condition of the RP condition reply) is determined to match the purchase factor factoring fee rate retrieved from the RP condition reply DB 187 '. If the purchase factor factoring fee is read in the RP application telegram, (Step 4) of determining whether or not the factoring fee matches the purchase factor factoring fee calculated by applying the searched purchasing factoring fee rate to the retrieved payment due date for the matching receivables amount , 'Other expenses per RP read from the RP application specialist' It matches the 'RP per other charges stored in the emitter DB (190)' judges (RP conditions replies seventh judgment).

If the RP application telegram is as illustrated in FIG. 83 and the RP condition reply DB 187 'is as illustrated in FIG. 27 and the parameter DB 190' is as illustrated in FIG. 28, The first judgment of the RP condition reply will be positive since both the receivable amount for the drunk company D and the receivable amount for the company D retrieved from the RP condition reply DB 187 match USD3,000,000.

Since the payment due date read from the RP application specialist and the payment date retrieved from the RP condition reply DB (187) are all matched on September 17, 2013, the RP condition reply second judgment will be positive.

The RP condition reply third judgment will also be positive, as both the purchase factor factoring rate read from the RP application specialist and the purchase factor factoring fee retrieved from the RP condition reply DB (187) are both 2.1%.

If the purchase factor factoring fee is read as USD 6,214 in the special case of the RP application and the purchase factor factoring fee is 2.1% which is the retrieved factor factoring fee, It will be positive for the RP condition reply decision as it is in agreement with USD6,214, the purchase factor factoring fee calculated by applying to the 36th day, which is the period until September 17, 2013, which is the retrieved payment machine.

The RP condition reply seventh judgment would also be positive, as the other costs per RP read in the RP application match '0' with the other costs per RP stored in the parameter DB (190 ').

If it is determined in step S924 that both the RP condition reply first judgment, the RP condition reply second judgment, the RP condition reply third judgment, the RP condition reply fourth judgment and the RP condition reply seventh judgment are both positive (Yes) S925 is operated. Otherwise, step S940 is operated.

In step S925, the sales factor account ID matched to the sales factor ID is extracted from the factor DB 180 '.

According to another aspect of this embodiment, the sales factor account ID is read in the RP application, and step S925 may be omitted. However, in the following description, the sales factor account ID is stored in advance in the factor DB 180 'in order to simplify the description.

In step S926, the purchase condition factoring completion code is stored in the RP condition reply DB 187 'in the record in which the sales factor ID, the purchase company ID, the receivables amount, and the payment date are matched.

After step S926 is operated, step S900 is operated.

In step S930, the sales factor RPID 145 'reads the sales factor ID, the purchase factor condition reply special ID, the RP application special ID, the purchase factor guarantee guarantee rate, the purchase factor guarantee guarantee fee, other costs per RP, The company ID, the sales company ID, the sales receivable amount and the payment due date are matched and stored.

In step S931, the sales receivable amount, payment machine date, and purchase factor payment guarantee rate that are simultaneously matched to the selling factor ID, the purchasing factor condition reply special ID, and the purchasing company ID are searched in the RP condition reply DB 187 '.

In step S931, if the sales receivable amount, the payment machine date, and the purchase factor payment guarantee rate are searched, step S932 is performed; otherwise, step S940 is performed.

In step S932, the control unit 120 determines whether the amount of the receivable amount read in the RP application is equal to the amount of the receivable amount retrieved from the RP condition reply DB 187 (RP condition reply first judgment) , Determines whether the payment date read in the RP application specialist matches with the payment date retrieved from the RP condition reply DB 187 (RP condition reply second judgment), and determines whether the purchase factor (The RP condition reply fifth judgment), and if the purchase charge guarantee fee is read in the RP application telegram, the 'payment guarantee fee rate' is compared with the purchase factor guarantee fee rate retrieved from the RP condition reply DB 187 ' It is determined whether the purchase factor payment guarantee fee 'matches the purchase factor payment guarantee fee calculated by applying the searched purchase factor payment guarantee rate to the matched receivables amount to the searched payment date (RP condition reply 6th judgment), and the 'RP' Matches and other costs 'is''RP per other charges stored in the parameter DB (190)' judges (RP conditions replies seventh judgment).

If it is determined in step S932 that both the RP condition reply first judgment, the RP condition reply second judgment, the RP condition reply fifth judgment, the RP condition reply sixth judgment and the RP condition reply seventh judgment are both positive (Yes), a step S933 , Otherwise, step S940 is operated

In step S933, the RP condition reply DB 187 'stores the purchase factor payment guarantee completion code in the record in which the sale factor ID, the purchase company ID, the receivables amount, and the payment date are matched.

In step S940, a predetermined RP application error notification special ID is generated.

In step S941, the expert preparation section prepares a predetermined RP application error notification telegram including the RP application error notification special ID and the predetermined error details.

In step S950, the transmission / reception unit transmits the 'RP application error notice complete created in step S942' to the sales factor system 200 matched with 'sales factor ID' read from the matching RP application.

In step S951, the RP application error notification specialized ID and the RP application error notification full transmission time are stored in the RP application error notification special ID field and the RP application error notification special transmission time field of the corresponding record in the sales receipt RPDB, respectively.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. .

100: Purchasing Factor System
110: Transmitting /
120:
130: Professional Writing Department
135:
145: Accounts Receivable RPDB
150: Trading company DB
160: Procurement rate DB
170: RP line commitment DB
180: Factor DB
187: RP condition reply DB
190: Parameter storage unit
191: Output section
192:
200: Sales Factor System
210: Transmitting /
220:
230: Professional Writing Department
235:
240: Accounts receivable factoring DB
250: Trading company DB
260: Procurement rate DB
280: Factor DB
285: Alternative storage unit
286: Sales factor condition inquiry DB
290: Parameter storage section
300: Sales Enterprise System
310: Transmitting /
320:
330: Professional Writing Department
340: Accounts receivable factoring DB
391: Output section
392:

Claims (34)

A predetermined RP RPM notification notification special character, which matches the purchase company ID under the control of the control unit, and includes an RP line commitment limit, And at least one of a purchase factor payment guarantee rate, a purchase factor payment guarantee fee, a purchase factor factoring fee, and a purchase factor factoring fee, Professional writing department;


And transmits at least one of the RP line commitment notification telegram and the purchase factor condition reply telegram to the sales factor system under the control of the control unit. And


The control unit controls so that the expert preparation unit creates at least one of the RP line commitment notification telegram and the purchase factor condition reply telegram, and the transmission / reception unit transmits the prepared telegram to the sales factor system. A system for reducing the factoring cost by using a credit risk cost factor difference between factors having the purchasing factor system as a component A predetermined RP RPM notification notification special character, which matches the purchase company ID under the control of the control unit, and includes an RP line commitment limit, And at least one of a purchase factor payment guarantee rate, a purchase factor payment guarantee fee, a purchase factor factoring fee, and a purchase factor factoring fee, Professional writing department;


And transmits at least one of the RP line commitment notification telegram and the purchase factor condition reply telegram to the sales factor system under the control of the control unit. And


The control unit controls so that the expert preparation unit creates at least one of the RP line commitment notification telegram and the purchase factor condition reply telegram, and the transmission / reception unit transmits the prepared telegram to the sales factor system. A system for reducing the factoring cost by using a credit risk cost factor difference between factors having the purchasing factor system as a component A purchase requester condition ID and a receipt amount and a payment date 'under the control of the control unit, and a' purchase company ID and a receivable amount ' And a selling factor condition inquiry specializing unit for preparing one or more of the sales factor condition inquiry specialties.


And transmits the at least one of the sales of the RP application and the sale factor condition inquiry to the purchasing factor system under the control of the control unit. And


The expert writing department controls to write at least one of the above-mentioned RP application specialist and sales factor condition inquiry specialist,
And the transmission / reception unit controls the transmission of the created message to the purchase factor system. A system for reducing the factoring cost by using a credit risk cost ratio difference between factors having a sales factor system as a component In the above 3,
Wherein the sales factor system comprises:


'Purchase Factor Factoring Rate, Sales Factor Factoring Rate, Sales Factor Payment Guarantee Rate, and Sales Factor Payment Guarantee Price', 'Purchase Factor Factoring Rate', and 'Purchase Factor Factoring Rate' At least one of a purchase factor factoring fee, a purchase factor guarantee charge rate and a purchase factor payment guarantee fee "is stored;


And the credit limit is simultaneously matched to the 'factor ID and the transaction company ID'.


And the procurement interest rate is characterized by being a rate applied at the same time to the 'factor ID and the period section' to be used when the fund necessary for the factoring is provided for the period corresponding to the matched period from the matched factor. Procurement interest DB;


One or more of an individual query required time upper limit, a cover area ID, a purchase factor credit risk cost rate, a purchasing factor credit limit, and a purchasing factor credit limit expiration date are stored in correspondence with a factor ID.


According to the control of the control unit, it is possible to match at least one of the sales company condition inquiry professional ID and the 'predetermined sales receipt identification information including the purchasing company ID', and when the 'sales factor' The sales factor factoring rate when the sales factor factoring rate and the risk factor of the specific purchasing factor are funded and the selling factor factoring rate when the risk factor of the specific purchasing factor is the unfunded factor An alternative storage unit, which can be stored;


The sales factor condition inquiry professional ID and the sales factor condition inquiry professional ID are matched with at least one of the sales company condition inquiry professional ID and the 'predetermined sales receipt identification information including the purchasing company ID' One or more of the purchasing factor condition reply specialization ID ', the' purchasing factor guarantee guarantee rate and credit risk cost rate, the purchase factor guarantee guarantee fee, the purchasing factor factoring rate and the purchasing factor factoring fee 'are matched and stored Factor condition inquiry DB; And


'Auto inquiry recognition time parameter and sales factor Payment guarantee required margin parameter and Funded RP part factoring required Margin parameter and Un-funded RP part factoring required Margin parameter and in-house factoring required Margin parameter and sales factor Other cost parameters' A parameter storage unit for storing the parameter; The system further comprising at least one of the following: A sales company condition inquiry special character characterized by including a purchasing company ID and a receivable amount in accordance with the control of the control unit, a sales factor condition reply special and a 'purchase company ID and a receivable amount and payment date' Wherein said at least one of said at least one of said at least one of said plurality of factorization applications comprises at least one of said plurality of factorization applications.


And transmits at least one of the sales company condition inquiry telegram and the product category application telegram to the sales factor system under the control of the control unit. And


The control unit controls the specialized writing unit to create at least one of the sales company condition inquiry telegram and the factorization telegram telegram and the transmission / reception unit transmits the prepared telegram to the sales factor system. A system for reducing the factoring cost by using a credit risk cost ratio difference between factors having a sales enterprise system as a component In the above 5,
The sales company system,
According to the control of the control unit, the sales item condition inquiry professional ID and the 'purchase company ID and sales receipt amount' are matched with one or more of 'sales factor condition reply special ID, sales factor factoring fee rate, sales factor factoring fee, Quot; total cost of factoring "," total cost of factoring ", and " factoring application specialist ID " To
A system for reducing factoring cost using a credit risk cost ratio difference between factors, At least one of an RP commitment limit, an RP commitment commitment expiry date, and a purchase factor guarantee assurance fee are stored in the RP factor commitment DB of the purchase factor system at the same time to match the sales factor ID and the transaction company ID.
Generating at least one of an RP pre-commit limit, an RP pre-commission expiration date and a purchase factor payment guarantee fee rate matching the transaction company ID;
Transmitting the created RP line commitment notification telegram to a sales factor system matched with the sales factor ID;
The method comprising: receiving a predetermined RP application telegram, wherein the sales receipt amount is included in at least one of the RP preliminary commodity notification special ID matched to the sales factor ID and the sales factor ID and the purchase company ID ; A method for reducing factoring costs using a factor risk credit risk ratio factor The method of claim 7,
In the input part of the purchasing factor system, the transaction company ID is inputted in matching with the sales factor ID, and one or more of the RP line commitment limit, the RP line commitment expiry date and the purchase factor payment guarantee fee rate is inputted step;
An RP line commitment limit, an RP pre-commission expiration date, and a purchase factor payment amount, which are input by matching the sales company ID with the sales company ID, At least one of the guarantee rate is matched and included in the RP list;
A step of retrieving at least one of 'credit limit, credit limit expiration date, and credit risk cost rate' matched to 'transaction company ID entered in the input unit' in the transaction company DB;
Wherein the RP preliminary determination is based on whether or not the RP preliminary transaction limit matched with the transaction company ID in the input unit is within a credit limit that is matched with the transaction company ID in the transaction company DB Operating;
And determines whether or not the RP pre-commodity expiration date matched with the transaction company ID in the input unit is within the validity date of the retrieved credit limit matched with the transaction company ID in the transaction company DB. 2 judgment is performed;
The payment guarantee rate inputted by matching with the transaction company ID in the input unit is matched with the sales factor ID in the factor DB to the credit risk cost rate that is matched with the transaction company ID in the transaction company DB, Determining whether the value of the purchase factor payment guarantee margin is greater than or equal to a value obtained by adding the purchase factor payment guarantee required margin retrieved from the purchase factor guarantee guarantee margin to the purchase factor guarantee guarantee margin margin.
The 'amount of receivables read by the RP application specialist' is simultaneously matched to the purchase company ID and the sales factor ID read from the RP application specialist in the RP line commission DB, and it is judged whether it is within the RP line commitment limit searched ' A fourth step in which the RP line commitment fourth determination is performed
The payment date read by the RP application specialist matches the purchase company ID and the sales factor ID read from the RP application specialist at the same time in the RP line commitment DB to determine whether it is within the retrieved RP line commitment expiration date & The fifth RP determination is performed;
The purchase factor factoring rate read out in the RP application specialist matches the purchase company ID read out from the RP application specialist in the RP line commitment DB and the procurement rate DB of the purchasing factor system, The procurement interest rate searched by matching the sourcing factor ID with the sourcing factor ID in the searched procurement interest rate and the purchase factor required margin searched in the parameter storage unit are summed up Determining whether the purchase factor payment rate calculated by subtracting the purchase factor payment guarantee required margin, which is searched or matched with the sale factor ID in the factor DB, and which is searched in the parameter storage section, ;
The purchasing factor factoring rate calculated from the RP factor application purchasing factor factoring fee will be applied to the 'RP receipt amount from the RP application specialist' for the period from ' And determining whether the calculated purchase factor matching fee matches the calculated purchase factor factoring fee; And
, And determines whether the 'other cost per RP read in the RP application is matched with the sales factor ID in the factor database or the other expenses per RP retrieved in the parameter storage' 8 < / RTI >Lt; RTI ID = 0.0 > a < / RTI > factor risk cost ratio difference Purchasing company ID & sales receipt amount ", comprising the steps of: receiving a predetermined sales factor condition inquiry message;
A sales factor condition inquiry professional ID 'which is matched with the sale factor condition inquiry specialist and' at least one of the 'purchasing company ID and the sales receipt amount', and 'purchasing factor payment guarantee fee rate, purchase factor payment guarantee fee, A factor factoring fee rate and a purchasing factor factoring fee 'are included;
Transmitting said purchase factor condition reply to said sales factor system matching said sales factor condition inquiry message;
The method of claim 1, further comprising: receiving at least one of a purchasing factor condition reply special ID and a purchasing company ID and a receivable amount, step; A method for reducing factoring costs using a factor risk credit risk ratio factor The method of claim 9,
A step of storing at least one of a sale ID, a sale factor ID, a purchase company ID, a sales company ID, a receivables amount and a payment date read in the RP condition reply DB in the sales factor condition inquiry specialization;
In the RP condition reply DB, 'Purchase factor condition reply special ID' and 'Purchase factor payment guarantee rate' are matched to 'Sales factor condition inquiry professional ID, sales factor ID, purchasing company ID, sales company ID, sales receivable amount and payment date' And one or more of the purchasing factor payment guarantee fee and the purchasing factor factoring fee and the purchasing factor factoring fee and the other expenses per RP 'are stored;
The amount of receivables read by the RP application specialist matches with the amount of the receivable amount retrieved from the RP condition reply DB by matching with one or more of the purchasing factor ID and purchasing company ID read by the RP application specialist Determining whether the RP condition return first judgment is performed;
In the RP condition reply DB, it is judged whether or not it matches with the payment date found by matching with at least one of the reply special condition ID and the purchase company ID read from the RP application specialist. The RP condition reply second judgment is performed;
'Purchasing factor factoring fee rate read from RP application specialist', 'Purchase factor factor read by RP application specialist in RP condition reply DB, matching with at least one of the reply special ID and purchasing company ID, and the retrieved purchasing factor factoring rate' Determining whether the RP condition reply third judgment is performed;
The purchase factor factoring fee read by the RP application specialist matches the one or more of the buyer factor ID and the purchase company ID read in the RP condition reply DB in the RP application specialist, To the payment date, and determines whether the purchase price factor matches the calculated purchase factor factoring fee.
'Purchase factor payment guarantee rate read from the RP application specialist', 'Matching with at least one of the buyer factor ID and purchase company ID read from the RP application specialist in the RP condition reply DB, and the retrieved purchase factor payment guarantee rate' And the fifth condition is satisfied;
'Purchasing Factor Payment Guarantee Charge Read in RP Application Specialist' matches with at least one of 'Purchase Factor Reponse Professional ID' and 'Purchasing Company ID' read from the 'RP condition reply DB' in the RP application specialist, and the retrieved purchase factor payment guarantee rate ' Is satisfied with the purchase factor payment guarantee fee calculated by applying the discount rate to the sales receivable amount for the period until the payment date; And
'Other costs per RP read from RP application specialist''In RP condition reply DB, matching the purchase factor condition read from the RP application specialist and at least one of purchasing company ID and other expenses per retrieved RP' The RP condition reply seventh judgment operation is performed; Lt; RTI ID = 0.0 > a < / RTI > factor risk cost ratio difference Receiving a predetermined sale factor condition inquiry message including a purchase company ID;
Retrieving a credit risk cost rate matched with the purchase company ID in the transaction company DB;
The credit risk cost rate and the purchase factor guarantee guarantee margin are calculated by summing up the credit risk cost rate and the purchase factor guarantee guarantee margin, and the credit risk cost rate, the credit risk cost rate, and the purchasing factor guarantee required margin, A purchasing factor factoring fee rate characterized by at least one of the following: And
Transmitting the purchasing factor condition reply to the sales factor system having transmitted the sale factor condition inquiry message; A method for reducing factoring costs using a factor risk credit risk ratio factor The method of claim 11,
Extracting a procurement interest rate that is matched simultaneously to a corresponding period section and an in-house factor ID of the period from the procurement interest DB to the payment date;
A step of retrieving at least one of a 'purchase factor payment guarantee required margin and purchase factor factoring required margin' in 'at least one of the parameter storage unit and the factor DB'; And
Calculating a value obtained by subtracting the purchase factor payment guarantee required margin from a value obtained by adding the procurement guarantee rate, the procurement rate and the purchase factor factoring required margin to a purchase factor factoring fee rate; Lt; RTI ID = 0.0 > a < / RTI > factor risk cost ratio difference Receiving a predetermined sale factor condition inquiry message including a purchase company ID;
Inputting sales factor condition search search selection information to an input unit;
In the RP condition reply DB, records in which the purchase factor guarantee guarantee rate is not matched among the records in which the data read in the sales factor condition inquiry specialization exists are extracted, and the operation in which the purchase factor factoring rates in the records are not matched Wherein at least one of the operations in which the records are extracted is operated;
Wherein the output unit includes at least one of a predetermined payment guarantee rate field and a factoring fee rate field for matching the purchase company ID for each extracted extracted record. Outputting;
Inputting data to the input unit by matching with the 'one or more of the predetermined payment guarantee rate input field and the factoring fee rate input field';
Creating a predetermined purchase factor condition reply including the input data; And
Transmitting the purchasing factor condition reply to the sales factor system having transmitted the sale factor condition inquiry message; A method for reducing factoring costs using a factor risk credit risk ratio factor Receiving at least one of an RP request notification professional ID and at least one of a purchase company ID, a receivable amount, and at least one of a purchase factor factoring fee rate and a purchase factor payment guarantee rate; And
And the RP receipt amount is determined to be within an RP line commitment limit matched with the at least one of the 'RP pre-notification notice special ID and purchasing company ID' in the RP pre-commit DB. step; A method for reducing factoring costs using a factor risk credit risk ratio factor The method of claim 14,
It is determined whether or not the 'payment date' included in the RP application field is within the valid RP date of the RP line that matches the one of 'the RP line commu- nication notice ID and the purchase company ID' in the RP line commu- nication DB A fifth RP determination step in which a characteristic of the RP line commitment is operated;
The purchase factor factoring rate is calculated based on the purchasing factor payment guarantee rate (A) matched with the RP line commitment notification special ID and the purchasing company ID in the RP line commitment DB, the procurement rate (B) retrieved from the procurement rate DB, 'And' purchase factor factoring necessary margin (C) 'stored in the parameter database to match the sales factor ID in the' factor DB 'or' match factor to the sales factor ID in the factor DB or stored in the parameter DB. (A + B + CD) calculated by subtracting the margin (D) from the purchased factor factoring rate (A + B + CD). And
Wherein the purchase factor acceptance guarantee rate is determined to match with the purchase factor guarantee guarantee rate (A) matched with the at least one of the 'RP preliminary notice notifying professional ID and the purchase company ID' in the RP precompensation DB, A ninth determination is performed; Lt; RTI ID = 0.0 > a < / RTI > factor risk cost ratio difference Receiving at least one of the 'purchase factor factoring fee rate and at least one of the purchase factor payment guarantee rate' matching the 'at least one of the purchase factor condition reply expert ID and the purchase company ID'; And
Determining whether or not the purchase factor factoring rate matches the purchase factor factoring fee rate matched with at least one of the 'purchase factor condition reply special ID and purchase company ID' in the RP condition reply DB; Operation,
Determining whether the purchase factor payment guarantee rate matches the purchase factor payment guarantee rate matched with at least one of the 'purchase factor condition reply professional ID and purchase company ID' in the RP condition reply DB; Operating one or more of the operations; A method for reducing factoring costs using a factor risk credit risk ratio factor The method according to claim 16,
It is determined whether or not the 'receivable amount included in the RP application specialist' is identical to the sales receivable amount searched in the RP condition reply DB matching with 'at least one of the' purchase factor condition reply special ID and purchasing company ID ' The RP condition reply first characteristic is operated; And
, It is determined whether or not the 'payment date' included in the RP application field is matched with the payment machine date found by matching with 'at least one of the' purchase factor condition reply special ID and purchasing company ID 'in the RP condition reply DB The RP condition return second judgment is operated; Lt; RTI ID = 0.0 > a < / RTI > factor risk cost ratio difference Receiving at least one of the RP pre-notification notification special ID and the purchase factor ID and the RP pre-commit limit matched to the purchase company ID;
The RP commitment limit is stored as a credit limit that simultaneously matches at least one of the 'RP line commitment notification special ID and purchase factor ID' and the purchase company ID in the transaction company DB;
Receiving a predetermined fact application request message including a specific receipt amount matching with the purchase company ID;
Operating one of an operation of inputting a specific receipt amount and a predetermined factoring application acceptance information by matching the purchasing company ID to an input unit; And
The transaction company DB determines whether the credit limit that is simultaneously matched to the purchasing company ID and at least one of the 'RP line commitment notification special ID and the purchase factor ID' is equal to or greater than the 'receivable amount' A step in which judgment is performed; A method for reducing factoring costs using a factor risk credit risk ratio factor The method of claim 18,
If the first determination of the sales factor is positive, controlling the amount of the sales factor amount deducted from the sales receipt amount to be deposited into the account matched with the sales company account ID matched with the sales receipt amount;
Creating a predetermined RP application full of the receivables amount matching the purchase company ID if the first determination of the sales factor is positive;
Transmitting the RP application telegram to a purchasing factor system matched with at least one of the 'RP pre-notification notice professional ID and the purchase factor ID' when the RP application telegram is created;
If the RP application telegram is transmitted to the purchase factor system, a credit limit matched simultaneously to the purchase company ID and at least one of the 'RP preliminary notice advertisement ID and the purchase factor ID';
If the RP application telegram is transmitted to the purchase factor system, reducing the purchasing factor credit limit matched to at least one of the 'RP pre-commodity notification special ID and the purchase factor ID' in the factor DB by the amount of the receivable bond;
The credit limit expiration date matched at the same time to the purchase company ID, at least one of the RP line commitment notification special ID and the purchase factor ID in the transaction company DB is a payment date matching the purchase company ID and the receivable amount The sales factor second judgment is performed;
Determining whether the purchasing factor credit limit matched with at least one of the 'RP preliminary commodity notification special ID and the purchasing factor ID' is greater than or equal to the receivable amount in the factor DB;
It is judged whether or not the expiration date of the purchasing factor credit limit matched with 'at least one of the RP line commu- nication notification special ID and the purchasing factor ID' in the factor DB is 'the payment date matched with the purchasing company ID and the receivable amount' A sales factor fourth judgment operation is performed;
The selling company ID and the in-house factor ID matched to the purchasing company ID and the sales receipt amount in the transaction company DB are concluded to be equal to or greater than the sales receivable amount. ;
The credit limit expiry date matched simultaneously to the sales company ID and the in-house factor ID matched with the purchase company ID and the sales receipt amount in the transaction company DB is the payment date matching the purchase company ID and the receivable amount The selling factor sixth judgment is performed;
Determining whether the minimum amount per RP matched to the at least one of the 'RP pre-commodity notification special ID and the purchasing factor ID' is less than the sales receivable amount in the factor DB; And
Receiving a predetermined sales company condition inquiry message including a specific receipt amount matching with the specific sales company ID and the specific purchase company ID; And
Inputting a specific amount of sales receipt amount and predetermined sales company condition inquiry information to the input unit by matching with 'specific sales company ID and specific purchase company ID';Lt; RTI ID = 0.0 > a < / RTI > factor risk cost ratio difference Determining whether a purchase factor credit limit matched to a specific factor ID in the factor DB is equal to or greater than a specific receivables amount;
Creating a predetermined sales factor condition inquiry message including the sales receipt amount and the 'purchase company ID' that matches the sales receipt amount if the sales factor third judgment is positive; And
Transmitting the generated sales factor condition inquiry message to a purchasing factor system matched with the specific factor ID; A method for reducing factoring costs using a factor risk credit risk ratio factor 20. The method of claim 20,
Receiving a predetermined sales company condition inquiry message including a specific 'purchase company ID and a receipt amount of money' matching the specific sales company ID;
A step of inputting a specific 'purchase company ID and sales receivable amount' and predetermined sales company condition inquiry information to an input unit by matching with a specific sales company ID;
If the third factor of the sales factor is determined to be positive, the validity date of the purchasing factor credit limit matched with the factor ID in which the third factor of the sales factor is positive in the factor DB is the purchaser company ID and the receivable amount Whether a matched payment date is after or after the matched payment date;
The selling factor determining step determines whether the credit limit simultaneously matched to the sales company ID and the in-house factor ID in the transaction company DB is equal to or greater than the sales receipt amount matched to the sales company ID. ;
'The credit limit expiration date matched at the same time to the sales company ID and the in-house factor ID' in the transaction company DB is the payment date matched with the 'purchase company ID and the receivable amount' matched to the sales company ID or after A sales factor sixth determination is performed;
A selling factor condition inquiry professional ID 'which is further included in the sales factor condition inquiry specialist and the' purchase company ID and sales receivable amount ', which are included in the sale factor condition inquiry, Receiving at least one of a purchasing factor guarantee charge rate, a purchase factor payment guarantee fee, a purchase factor factoring fee, and a purchase factor factoring fee in a matching manner.
A step of extracting, from the sales factor condition inquiry DB, a record in which at least one of a 'purchasing company ID and a receivable amount' and a 'sales factor condition inquiry professional ID' is contained in the purchase factor condition reply special;
Storing at least one of a purchase factor guarantee fee, a purchase factor payment guarantee fee, a purchase factor factoring fee and a purchase factor factoring fee read in the purchase factor condition reply in the record;
A sales company condition inquiry professional ID 'which is further included in the' sales company ID and sales receipt amount 'and the sales company condition inquiry special feature which is included in the sales company condition inquiry specialist A sales factor condition guarantee reply rate, a selling factor payment guarantee fee, a sales factor factoring fee rate, and a sales factor factoring fee "are included in the sales factor matching reply message.
The sales factor guarantee guarantee rate, the sales factor guarantee guarantee fee, the sales factor factoring fee rate, and the sales factor factoring fee, which are matched with the 'purchasing company ID and the receivable amount'Quot; sales factor condition reply " is included;
Transmitting the created sales factor condition reply to the sales company system matched with the sales company condition inquiry message;
A sales factor condition reply special ID 'which is included in the sales company condition ID and the sales receipt amount and the sales factor condition reply special included in the reply to the sales factor condition, The method comprising: receiving a predetermined factorization application specialist;
A step of inputting a predetermined factoring application acceptance information matching an 'purchase company ID and a receivables amount', which is matched with the sales company condition inquiry information and input to the input unit, to the input unit;
Controlling so that the 'amount of the sales receivable amount minus the sales factor factoring fee, etc.' is deposited into the account matched to the account ID 'matched with the sales company ID in the transaction company DB';
At least one of the 'purchasing company ID and the receivable amount' included in the replies to the above purchasing factor condition and the 'purchasing factor condition reply special ID' further included in the replies to the purchasing factor condition reply The method comprising the steps of: preparing a predetermined application for application of the RP;
Transmitting the RP application telegram to a 'purchase factor system matched with the purchase factor condition reply telegram'; And
If the RP application is transmitted to the purchasing factor system, the factor of the purchasing factor matching with the factor ID matched with the purchasing factor system to which the RP application is transmitted is reduced by the amount of the receivables step; Lt; RTI ID = 0.0 > a < / RTI > factor risk cost ratio difference Receiving a predetermined sales company condition inquiry message including a specific 'purchase company ID and sales receipt amount' matching the specific sales company ID,
Operating one of a specific 'purchase company ID and sales receivable amount' and an operation in which predetermined sales company condition inquiry information is input to the input unit, matching the specific sales company ID;
Searching for a factor ID matched to a value within an automatic inquiry admission time parameter stored in the parameter storage unit in the factor DB;
A step of preparing a predetermined sales factor condition inquiry telegram including the 'purchase company ID and the receivable amount'; And
The sales factor condition inquiry message is transmitted to a 'purchasing factor system matched with the retrieved factor ID'; A method for reducing factoring costs using a factor risk credit risk ratio factor Receiving a predetermined sales company condition inquiry message including a specific 'purchase company ID and sales receipt amount' matching the specific sales company ID and a 'purchasing company location ID matching the purchase company ID'; and
One of the operations of matching a specific sales company ID with a specific 'purchase company ID and sales receipt amount', 'purchasing company location ID matching with the purchasing company ID' and predetermined sales company condition inquiry information is input to the input unit ;
(H) determining whether an area denoted by the cover area ID matched to the specific factor ID in the factor DB includes an area denoted by the area ID of the purchasing company;
A step of preparing a predetermined sales factor condition inquiry telegram including the 'purchase company ID and the receivable amount'; And
Transmitting the sales factor condition inquiry message to a purchasing factor system matched with a factor ID matched with the coverage area ID in which the determination in step H is positive; A method for reducing factoring costs using a factor risk credit risk ratio factor Receiving a predetermined sales company condition inquiry message including a specific 'purchase company ID and sales receipt amount' matching the specific sales company ID,
Operating one of a specific 'purchase company ID and sales receivable amount' and an operation in which predetermined sales company condition inquiry information is input to the input unit, matching the specific sales company ID;
Determining whether the credit limit that is simultaneously matched to the purchasing company ID and the specific factor ID in the transaction company DB is equal to or greater than the receivable amount;
In the transaction company DB, if the credit limit expiration date matched simultaneously with the purchase company ID and the factor ID in which the first selling factor determinant was positive is the payment date matched with the purchase company ID and the receivable amount, A sales factor second judgment operation is performed; And
If the at least one of the sales factor first judgment and the sales factor second judgment is negative, generating a predetermined sales factor condition inquiry telegram including the 'purchase company ID and the receivable amount' and the payment due date; And
Wherein the sales factor condition inquiry specialization is transmitted to a purchasing factor system matched with a factor ID of which at least one of the sales factor first judgment and the selling factor second judgment is negative; A method for reducing factoring costs using a factor risk credit risk ratio factor Receiving a purchase factor condition reply message including a purchase factor condition guarantee rate matching with at least one of a specific sales factor condition inquiry special ID and a specific 'purchase company ID and a receipt amount';
Storing the purchase factor payment guarantee rate (A) in the sales factor condition inquiry DB, matching the at least one of the sales factor condition inquiry professional ID and the 'purchase company ID and the receipt amount';
Extracting a purchasing factor credit risk cost ratio (B) matched with the purchase factor condition matched with the purchase factor condition reply in the factor DB; And
(A + B) obtained by adding the extracted purchase factor credit risk ratio (B) to the purchase factor guarantee guarantee rate (A) in the sales factor condition inquiry DB is compared with the credit factor Risk cost ratio " A method for reducing factoring costs using a factor risk credit risk ratio factor One or more of a specific purchasing factor condition reply special ID and a specific purchasing factor ID, and a purchase factor payment guarantee rate matched with at least one of a specific sales factor condition inquiry special ID and a specific " purchase company ID & Receiving a purchase requester condition reply;
Extracting a credit risk cost rate (C) matched with at least one of the sales factor condition inquiry professional ID and the 'purchase company ID and receivable amount' in the sales factor condition inquiry DB;
A step of searching, in the alternative storage unit, a record in which corresponding information corresponding to at least one of the sales professional condition inquiry professional ID and the 'purchasing company ID and sales receivable amount' is stored; And
In the searched records of the alternative storage unit, the credit risk information is stored in a field in which 'at least one of the purchasing factor condition reply special ID and purchasing factor ID' and 'unfunded risk participation identification information (hereinafter,' URP identification information ' The period from the expense ratio C and the procurement interest DB to the payment date matched with at least one of the sales factor condition inquiry professional ID and the purchase company ID and the receivables amount and the in-house factor ID (C + D + E), which is a sum of a procurement interest rate (D) matched with the unfunded RP sub-factoring requirement margin (D) and an unfunded RP sub-factoring margin (E) extracted from the parameter storage unit as a sales factor factoring fee rate; A method for reducing factoring costs using a factor risk credit risk ratio factor One or more of a specific purchasing factor condition reply special ID and a specific purchasing factor ID, and a purchase factor factoring fee matched with at least one of a specific sales factor condition inquiry special ID and a specific 'purchasing company ID and receivable amount' Receiving a purchase requester condition reply;
Storing the purchase factor factoring fee F in the sales factor condition inquiry DB by matching with the at least one of the sales factor condition inquiry professional ID and the 'purchase company ID and the receipt amount';
Extracting the purchase factor factoring rate (F) from the sales factor condition inquiry DB;
A step of searching, in the alternative storage unit, a record in which corresponding information corresponding to at least one of the sales professional condition inquiry professional ID and the 'purchasing company ID and sales receivable amount' is stored; And
In the searched records of the alternative storage unit, the purchase factor (s) is (are) matched simultaneously with the 'at least one of the purchasing factor condition reply special ID and the purchase factor ID' and the 'funded risk participation identification information A value (F + G) obtained by summing the factoring charge rate (F) and the funded RP sub-factoring required margin (G) extracted from the parameter storage unit is stored as a sales factor factoring fee rate; A method for reducing factoring costs using a factor risk credit risk ratio factor Storing a specific purchasing company ID, a specific receivables amount and a specific payment date in one record of the alternative storage unit;
In the record of the alternative storage unit, in the sales factor factoring fee rate field in which the in-house factor ID is matched, the credit risk cost ratio I1 simultaneously matched to the in-house factor ID and the purchasing company ID in the transaction company DB, (I1 + J1 + I2) obtained by adding up the procurement interest rate J1 and the in-house factoring required margin (K) simultaneously matched to the period and the in-house factor ID corresponding to the period from the interest DB to the payment date, K);
Extracting, in the record of the alternative storage, a minimum value among the values stored in two or more respective sales factor factoring fee fields; And
In the sales receipt factoring DB, storing the extracted minimum value in the sales factor factoring fee field of the record in which the purchase company ID, the receivables amount, and the payment date are stored; A method for reducing factoring costs using a factor risk credit risk ratio factor Storing a specific purchasing company ID, a specific receivables amount and a specific payment date in one record of the alternative storage unit;
In the record of the alternative storage unit, in the sales factor factoring fee rate field where the specific factor ID other than the 'in-house factor ID' and the FRP identification information are simultaneously matched, the factor ' A procurement rate J2 matched simultaneously to the factor ID corresponding to the period from the procurement rate DB to the " period until the payment date ", and the fund rate Storing a value (I2 + J2 + LM) obtained by summing the RP part factoring required margin (L) and subtracting the purchasing factor credit risk cost ratio (M) corresponding to the factor ID from the factor DB;
Extracting, in the record of the alternative storage, a minimum value among the values stored in two or more respective sales factor factoring fee fields; And
In the sales receipt factoring DB, storing the extracted minimum value in the sales factor factoring fee field of the record in which the purchase company ID, the receivables amount, and the payment date are stored; A method for reducing factoring costs using a factor risk credit risk ratio factor Storing a specific purchasing company ID, a specific receivables amount and a specific payment date in one record of the alternative storage unit;
In the record of the alternative storage unit, in the sales factor factoring fee rate field in which 'specific factor ID other than the in-house factor ID' and URP identification information are simultaneously matched, the factor 'one of the transaction company DB and the sales factor condition inquiry DB' A procurement interest rate J1 that simultaneously matches both the credit risk cost ratio I2 matched to the ID and the purchase company ID and the in-house factor ID corresponding to the period from the procurement interest DB to the payment due date, Storing a value (I2 + J1 + O) obtained by summing the un-funded RP sub-factorization required margin (O);
Extracting, in the record of the alternative storage, a minimum value among the values stored in two or more respective sales factor factoring fee fields; And
In the sales receipt factoring DB, storing the extracted minimum value in the sales factor factoring fee field of the record in which the purchase company ID, the receivables amount, and the payment date are stored; A method for reducing factoring costs using a factor risk credit risk ratio factor In the above 28 to 30,
The fact that the extracted minimum value is matched with the purchase ID and the receivable amount and the payment due date is extracted from the alternative storage unit and the purchasing company ID, Extracting the stored record and storing the extracted factor ID in a purchase factor ID field of the record;
FRP identification information and one of the URP identification information extracted in the RP method field in the extracted record of the trade receivable factoring DB are extracted from the record of the alternative storage section Stored; And
The purchase factor factoring fee is calculated by applying the 'purchase factor factoring fee rate of the record' for the period from the record of the trade receivable factoring DB to the 'payment date of the record' for the 'sales receivable amount of the record' Storing in a purchase factor factoring fee field of the record; Lt; RTI ID = 0.0 > a < / RTI > factor risk cost ratio difference A step of extracting a specific record from the receivable factoring DB;
Determining whether the value stored in the RP method field of the record is FRP identification information;
If the value stored in the RP method field of the record is FRP identification information, extracting a required margin from the Funded RP part in the parameter DB; And
Calculating a purchase factor factoring fee rate by subtracting the funded RP portion required margin from a sales factor factoring fee rate of the extracted record in the trade receivable factoring DB; A method for reducing factoring costs using a factor risk credit risk ratio factor A step of extracting a specific record from the receivable factoring DB;
Retrieving a credit risk cost ratio matched simultaneously with 'purchasing company ID' of the record and 'purchase factor ID' of the record in the transaction company DB;
Retrieving a purchase factor credit risk cost rate matched to the factor ID in a factor DB; And
And calculating a purchase factor provision guarantee rate by subtracting the searched purchasing factor credit risk rate from the searched credit risk cost rate. The method of claim 1, Extracting a specific record storing a sales factor factoring rate in a trade receivable factoring DB;
Retrieving a purchase company ID, a purchase factor ID, and a receivable amount in the extracted record;
Reducing the purchase factor credit limit matching the purchase factor ID in the factor DB by the amount of the receivables; And
Reducing the credit limit simultaneously matched to the purchase company ID and the purchase factor ID in the transaction company DB by the amount of the receivables; A method for reducing factoring costs using a factor risk credit risk ratio factor

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