KR20190009238A - Electronic bill mediation system and method thereof - Google Patents

Abstract

The present invention provides an electronic bill brokerage system which reduces investor risk exposure to a minimum. The electronic bill brokerage system comprises: an electronic bill grade calculation unit to use electronic bill seller information and electronic bill information received from an electronic bill seller terminal to determine bill genuineness, and use a collection stability grade of an electronic bill seller or a reference credit evaluation grade of an electronic bill issuer to calculate an electronic bill grade; a discount rate adjustment unit to receive a request amount and a recruitment period for the electronic bill information from the electronic bill seller terminal, and adjust the discount rate of an electronic bill based on the electronic bill grade, the request amount and the recruitment period; an investor recruitment unit to post information including the discount rate, the request amount and the recruitment period on the web, and recruit investors; an electronic bill management unit to evaluate whether to approve a loan of the electronic bill having the discount rate, the request amount and the recruitment period, set the electronic bill in an endorsement waiting state when approval for the loan is determined, and supply a principal receiving right for the electronic bill in accordance with a ratio of investment money to an investor terminal if recruitment of the investment money with the request amount as a total limit is completed from the investor terminal within the recruitment period; and an investment money management unit to automatically pay the investment amount to a designated account of the electronic bill seller when the principal receiving right is supplied to the investor terminal, and divide a payment amount of the electronic bill deposited from the electronic bill issuer in accordance with the ratio of the investment money to automatically pay the divided payment amount to a designated account of the investor when the electronic bill expires.

Description

ELECTRONIC BILL MEDIATION SYSTEM AND METHOD THEREOF BACKGROUND OF THE INVENTION [0001]

An electronic bill brokering system and method are provided.

In recent years, peer-to-peer (P2P) financial services have been attracting interest in individuals and individuals who are connected through online platforms without lending to traditional financial companies such as banks, and companies that lend money directly to them. Such P2P finance is also called Landing-based Crowd Funding because of the nature of fund raising. Crowd funding has the advantage of being able to overcome the regional-human limitations of current funding schemes by attracting funds from a number of unspecified individuals with a small amount of money.

Crowdfunding, as opposed to traditional offline banking, is a risky investment for crowdfunding investors, but it is expected to provide a higher return on investment, which will lead to a long-term expansion of crowdfunding infrastructure and awareness.

On the other hand, intangible bills are bills issued for business transactions and settlement of bills, which means that the issuer will pay the face value of the bills until the agreed date. These intrinsic notes can be exchanged for cash on a due date, but it is common to fund money with a note discount, in which a certain amount of money is discounted for cash circulation.

The traditional discount market is divided into the discount market through the 1st financial sector such as banks and the discount market through general private lenders. In the first financial sector, it is possible to reduce the discount rate at a low discount rate. However, if there is a burden of setting up the security, and if the loan is passed through the loan company, the burden of setting up the security is relatively small.

Therefore, the bill discount requester is burdened with burden of security setting or high discount rate. Therefore, when setting the discount rate, it is required to use a correct criterion to calculate a reasonable discount rate for the bill.

Recently, the introduction of electronic papers that are written and managed in the form of electronic documents can save the bill storage, management, and exchange exchange costs.

Therefore, it is required to provide a system that reduces the risk burden by collecting a large number of investors while at the same time calculating a reasonable discount rate for the situation of each electronic bill by lending and investing by combining the process of cashing the electronic bill with the crowd funding.

One embodiment of the present invention provides an electronic bill brokering system and method for providing money liquidity to a small business by activating a bill discount market by providing an economical discount rate to a bill discount requester while reducing exposure of an investor's risk to a minimum .

And can be used to achieve other tasks not specifically mentioned other than the above tasks.

The electronic bill brokering system according to an embodiment of the present invention judges whether a note is an intrinsic note using the electronic note seller information and electronic note information received from the electronic note seller terminal, An electronic bill grading calculation unit for calculating an electronic bill grade for the electronic bill using the reference credit rating of the issuer, an application amount and an offer period for the electronic bill information from the electronic bill seller terminal, , And a discount rate adjuster that adjusts the discount rate of the electronic bill based on the offer period, the information including the discount rate, the application amount and the offer period is posted on the web, and the investor recruiter who recruits investors, the discount rate, The entity shall examine whether the loan of the electronic bill is approved, If the decision is made to set the electronic bill to an endorsed waiting state and the funding of the investment with the total amount of application from the investor terminal is completed within the offer period, And the investor terminal, the investor automatically pays the investment to the designated account of the electronic note issuer, and when the electronic note expires, the electronic note issuer receives the electronic note from the electronic note issuer And an investment management unit that automatically submits the settlement amount to the designated account of the investor in accordance with the ratio of the investment amount.

The electronic bill grading calculator can access the server of the national institution through the electronic bill seller information, collect the transaction proof tax bill for the electronic bill through the scraping method, and judge whether the electronic bill is an authentic bill.

The electronic bill grading is divided into N grades, which can include the reference discount rate, the applicable amount, the applicability period, and the applicable constant value.

The discount rate adjustment unit can adjust the discount rate of the electronic bill by applying the electronic bill grade, the application amount, and the offer period to the following equation.

(Dm) is the reciprocal of e, and df is the maximum number of days to be recruited, where ei is the reciprocal of e, e is the natural constant, A, b, and c each represent a constant value between 0 and 1, and a, b, and c represent a constant value between 0 and 1, respectively.

The electronic bill management unit collects the bill information in a scraping manner in the corporate finance loan server for the electronic bill set in the wait-for-release state, and when the bill number, the application amount, the electronic bill seller, and the expiration date information of the electronic bill do not match, You can refuse a loan.

The investor recruiting department is requested to post the electronic bill from the electronic bill seller terminal after the electronic bill is set in the wait-for-end state, and when the electronic bill seller's contract is completed with approval of the loan examination, Electronic billing information, and discount rate can be posted on the web.

When an investor receives an investment amount and an investment application for an electronic bill posted on the Web from an investor terminal, the Investor Recruiter verifies whether or not a deposit corresponding to an investment amount or more exists in the account linked to the investor terminal, Based on whether the investment amount exceeds the maximum amount of investment possible per investment item, whether the investment amount exceeds the same borrowing limit amount, or whether the investment amount exceeds the maximum investment amount per investor, You can decide whether to approve the application.

The investor recruiting department can automatically input the investment application of the investor terminal by selecting the investment commodity that matches the investment commodity condition and the automatic investment condition at predetermined time intervals when the automatic investing condition is input from the investor terminal.

When the bill issuer or the electronic bill seller information is stored in the enterprise information database in the enterprise accounting management server, the electronic bill grading calculation unit scrapes the recovery stability level of the electronic bill seller or the reference credit rating of the electronic bill issuer in the enterprise information database can do.

The method of mediating the electronic bill brokering system according to an embodiment of the present invention determines whether an intrinsic note is made using the electronic paper seller information and the electronic paper information received from the electronic paper seller terminal, Calculating an electronic bill grade for the electronic bill using the reference credit rating of the electronic bill issuer; receiving an application amount and an offer period for the electronic bill information from the electronic bill seller terminal; A step of adjusting the discount rate of the electronic bill based on the offer period, a step of posting information including the discount rate, the application amount and the offer period on the web and recruiting the investor, the electronic bill having the discount rate, If the approval of the loan is approved and the loan is approved, And providing the investor terminal with the right to receive the principal amount of the electronic bill in accordance with the ratio of the amount of the investment to the investor terminal in the case where the investment fund whose total amount of the application amount is the limit from the investor terminal is completed within the offering period And if the investor terminal provides the principal payment right, the investor is automatically paid to the designated account of the electronic paper seller, and if the electronic paper bill expires, the payment amount of the electronic paper money received from the electronic paper issuer is changed according to the ratio of the investment amount And automatically dividing the money into the investor's designated account.

One embodiment of the present invention can provide an investment product by adjusting a relatively flexible interest rate through real-time matching of demand and supply by adjusting the discount rate according to the electronic bill grade, the application amount, and the offer period.

In addition, one embodiment of the present invention provides an opportunity for small business owners or self-employed persons who have difficulty raising funds to operate funds, and can provide convenience in discounting and investing bills with online non-face-to-face services.

Also, according to the embodiment of the present invention, funds for discounting bills are collected from a plurality of investors through crowdfunding, so that investors can make investment according to their own investment plans, thereby controlling investment risks.

1 is a configuration diagram illustrating a communication network including an electronic bill intermediation system according to an embodiment of the present invention.
2 is a configuration diagram illustrating an electronic bill intermediation system according to an embodiment of the present invention.
3 is a flowchart illustrating an electronic bill lending process with an electronic bill selling terminal in an electronic bill brokering system according to an embodiment of the present invention.
4 is a diagram illustrating a web page screen in which an electronic bill selling terminal inquires an electronic bill according to an embodiment of the present invention.
5 is a diagram illustrating an example of a web page screen in which an electronic bill selling terminal requests information input and evaluation of an electronic bill according to an embodiment of the present invention.
FIG. 6 is an exemplary diagram illustrating a web page screen in which an electronic bill selling terminal requests a loan for an electronic bill according to an embodiment of the present invention.
7 is a flowchart illustrating an electronic bill investing process with an investor terminal in an electronic bill brokering system according to an embodiment of the present invention.
8 is a diagram exemplifying information of an electronic bill posted on the web according to an embodiment of the present invention.
9 is a diagram illustrating an example of a web page screen in which an electronic book brokerage system according to an embodiment of the present invention provides information to an investor terminal.
10 is a diagram illustrating an example of a web page screen in which an investor terminal invests in an electronic bill according to an embodiment of the present invention.
11 is a diagram exemplifying a principal receipt right certificate provided by an electronic bill brokering system according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other features and advantages of the present invention will be more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: FIG. The present invention may be embodied in many different forms and is not limited to the embodiments described herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and the same reference numerals are used for the same or similar components throughout the specification. In the case of publicly known technologies, a detailed description thereof will be omitted.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

FIG. 1 is a configuration diagram illustrating a communication network including an electronic bill brokering system according to an embodiment of the present invention, and FIG. 2 is a configuration diagram illustrating an electronic bill brokering system according to an embodiment of the present invention.

The electronic bill seller terminal 100, the investor terminal 300, the electronic bill issuer 400 and the other institution server 500 are connected to the electronic bill intermediation system 200 via a network and exchange data with each other. The network may include any type of communication network for delivering data, such as a wired communication network, a local or remote wireless communication network, a network of mixed networks thereof.

The electronic paper seller terminal 100 and the investor terminal 300 collectively refer to a terminal having a computing means and processing ability by having a memory means and a processor respectively and may be a personal computer, a handheld computer ), A personal digital assistant (PDA), a mobile phone, a smart device, and a tablet.

The electronic bill intermediation system 200 according to the embodiment of the present invention includes an electronic bill grading unit 210, a discount rate adjusting unit 220, an investor collecting unit 230, an electronic bill management unit 240, .

First, the electronic bill grading calculation unit 210 judges whether or not an intrinsic note is made using the electronic bill seller information and electronic bill information received from the electronic bill seller terminal 100. [ A commercial bill is a bill issued for settlement in commercial transactions between companies and represents a commercial note providing the amount specified in the note at the date on which the issuer concluded the contract.

The electronic bill grading calculation unit 210 calculates an electronic bill grade of the electronic bill using the recovery stability grade of the electronic bill seller and the reference credit rating of the electronic bill issuer. The electronic note rating may be an electronic note rating calculated by itself in the electronic book brokerage system 200 according to an embodiment of the present invention, and may include a reference discount rate, an applicable amount, an applicable offer period, and a constant value.

The discount rate adjustment unit 220, when receiving the application amount and the offer period for the electronic paper bill information from the electronic paper seller terminal 100, calculates the electronic paper charge rate based on the electronic bill grade, the application amount, and the offer period.

The Investor Recruiting Department (230) posts information on the web, including the adjusted discount rate, the amount of the application and the subscription period, and recruits one or more investors. The investor recruiting unit 230 can publish information through a web site, an application, or a mobile app (app), and recruit investors in real time during a recruiting period.

The electronic bill manager 240 examines whether or not the electronic bill has been approved for loan with the discount rate, the application amount, and the offer period, and sets the electronic bill to the end waiting state when the approval for the loan is determined. If the investor terminal 300 completes the collection of the investment amount from the investor terminal 300 within the collection period, the electronic bill management unit 240 provides the investor terminal 300 with the right to receive the principal payment for the electronic bill according to the ratio of the investment amount do.

Here, the right to receive principal payments is the right to receive payment of a principal and a certain proportion of proceeds in proportion to the investment amount from the linked financial company only when the investor invests in the loan and the principal company withdraws the principal from the borrower.

Next, the investment management unit 250 provides the investor terminal 300 with the principal payment right, and automatically pays the investment to the designated account from the electronic paper seller terminal 100. Here, the order of providing the principal receipt right and the order of paying the investment are not fixedly fixed, and the administrator can easily change and design it.

When the electronic bill expires, the investment management unit 250 divides the settlement amount of the electronic bill received from the issuer of the electronic bill according to the ratio of the investment amount, and automatically pays the specified amount from the investor terminal 300.

The electronic bill intermediation system may be in the form of a server, a terminal, or a combination thereof.

A terminal collectively refers to a device having a memory and a processor and having an arithmetic processing capability. For example, a personal computer, a handheld computer, a personal digital assistant (PDA), a mobile phone, a smart device, a tablet, and the like.

The server includes a memory storing a plurality of modules, a processor connected to the memory and responsive to the plurality of modules, for processing action information for controlling service information or service information provided to the terminal, Means, and UI (user interface) display means.

A memory is a device for storing information and is a non-volatile memory such as a high-speed random access memory, a magnetic disk storage device, a flash memory device, or other non-volatile solid-state memory device. Volatile memory, and the like.

The communication means transmits and receives service information or action information in real time to the terminal.

The UI display means outputs service information or action information of the system in real time. The UI display means may be an independent device that outputs or displays the UI directly or indirectly, or it may be a part of the device.

Hereinafter, a process in which the electronic bill intermediation system 200 responds to a loan application of the electronic paper seller terminal 100 will be described in detail with reference to FIGS. 3 to 6. FIG.

FIG. 3 is a flowchart illustrating an electronic bill lending process with an electronic bill selling terminal in an electronic bill brokering system according to an embodiment of the present invention. FIG. 4 is a flowchart illustrating an electronic bill negotiation process according to an embodiment of the present invention, Fig. 8 is a diagram exemplarily showing a web page screen for inquiring a bill; Fig.

5 is a diagram illustrating an example of a web page screen in which an electronic bill selling terminal requests information input and evaluation of an electronic bill according to an embodiment of the present invention, In which the electronic paper seller terminal requests a loan for the electronic paper bill.

First, the electronic bill intermediation system 200 receives electronic bill seller information and electronic bill information from the electronic bill seller terminal 100 (S310).

The electronic bill intermediation system 200 can authenticate the electronic bill seller through the electronic bill seller terminal 100 and separately receive the corporate constitution, the financial statement for the past three years, and the company publicity brochure or company introduction data. Also, the electronic bill intermediation system 200 can provide the interest rate benefit in adjusting the discount rate corresponding to the separately input data.

4A and 4B illustrate a web page screen in a process of collecting electronic bill information by receiving a public certificate from the electronic bill seller terminal 100 in cooperation with a financial institution U-note.

As shown in FIG. 4A, the electronic bill intermediation system 200 accesses the financial settlement site through the official authentication of the electronic bill seller, and the electronic bill list of the electronic bill seller is shown in FIG. 4B and FIG. You can display it on the screen as well.

When the electronic bill is requested from the electronic bill seller terminal 100 to request a bill discount from the electronic bill list, the electronic bill intermediation system 200 transmits the bill number, issuer (electronic bill issuer), amount (face value) , And date of expiration.

At this time, the electronic bill intermediation system 200 can judge that the electronic bill seller terminal 100 has performed the advance with respect to the electronic bill through the official authentication of the electronic bill seller. Or the electronic bill intermediation system 200 can receive the endorsement for the electronic bill from the electronic bill seller terminal 100 in advance offline.

Then, the electronic bill intermediation system 200 determines whether the intrinsic note is an intrinsic note, and selects a payout stability rating of the electronic paper seller or a reference credit rating of the electronic note issuer (S320).

5 (a) and 5 (b) show a web page screen in the process of determining whether or not an authentic certificate is received from the electronic paper seller terminal 100 in connection with the NTSC hometext.

As shown in FIG. 5 (a), the electronic bill intermediation system 200 can access the IRS hometex server and collect the transaction proof tax bill of the electronic bill seller through the scraping method. As shown in FIG. 5 (b), the electronic bill brokering system 200 can select the bill of the electronic bill in the scraped at least one transaction proof tax bill. Then, the electronic bill intermediation system 200 can determine whether the corresponding electronic bill is a true bill through the selected tax bill.

If the electronic bill is an intrinsic note, the electronic bill intermediation system 200 can access the corporate accounting management server and retrieve the earning stability rating of the electronic paper seller or the reference credit rating of the electronic paper issuer.

For example, the electronic bill intermediation system 200 can retrieve electronic bill sellers or electronic bill issuer information from an enterprise information database of an enterprise enterprise resource planning (ERP) enterprise. The electronic bill intermediation system 200 can scrap the recovery stability level of the electronic bill seller or the reference credit rating of the electronic bill issuer if the electronic bill seller or electronic bill issuer information is stored in the enterprise information database.

On the other hand, if the electronic bill brokering system 200 is not stored in the company information database, the electronic bill brokering system 200 is connected to a server that calculates a credit rating class associated with the electronic bill brokerage system 200 and collects the recoverability stability rating of the electronic paper seller or the reference credit rating of the electronic paper issuer can do.

Alternatively, the electronic bill intermediation system 200 calculates the recovery stability level of the electronic paper seller or the standard credit rating of the electronic paper issuer based on the evaluation information of the company performing the credit evaluation for the individual and the enterprise such as the good evaluation information can do.

Next, the electronic bill intermediation system 200 calculates an electronic bill grade for the electronic bill (S330).

Here, the electronic bill grading for the electronic bill is classified into N classes according to the own bill of the electronic bill brokering system 200 according to the embodiment of the present invention. The discount rate, the applicable amount, Lt; / RTI > For example, the generated electronic bill grades can be classified into 17 grades, and the range of the reference discount rate, the range of the applicable amount, the range of the applicable offer period, and the range of the applied constant value can be calculated for each grade.

The electronic bill intermediation system 200 calculates the electronic bill grading level based on the reference credit rating of the electronic paper issuer selected in step S320 or compares the reference credit rating of the electronic bill issuer with the recovery stability rating of the electronic bill seller It is possible to calculate the electronic bill gauge on the basis of

For example, the electronic bill intermediation system 200 can adjust the electronic bill grading level if the credit rating of the electronic bill issuer is high and robust even if the credit rating of the electronic bill sellers is low.

Next, the electronic bill intermediation system 200 receives an application amount and an offer period for the electronic bill information from the electronic bill seller terminal 100 (S340). Then, the electronic bill intermediation system 200 adjusts the discount rate of the electronic bill based on the electronic bill grade, the application amount, and the offer period (S350).

At this time, the application amount can not exceed the face value of the electronic paper bill and the loan period can be set as the expiration date of the electronic paper bill.

The electronic bill intermediation system 200 can calculate the electronic bill discount rate (Rate) by applying the following formula (1) to the electronic bill intermediation system 200 in response to the electronic bill information and receiving the desired amount of the loan amount and the offer period for collecting the investor .

[Equation 1]

(Dm) is the reciprocal of e, and df is the maximum number of days to be recruited, where ei is the reciprocal of e, e is the natural constant, A, b, and c each represent a constant value between 0 and 1, and a, b, and c represent a constant value between 0 and 1, respectively.

The electronic bill intermediation system 200 can calculate and provide the discount rate corresponding to each input value when receiving the changed application amount and the offer period from the electronic note seller terminal 100 before the contract of the corresponding electronic paper bill.

When the electronic bill intermediation system 200 provides the discount rate of the electronic bill calculated as described above to the electronic bill seller terminal 100, the electronic bill seller terminal 100 can request the electronic bill intermediation system 200 for a loan review .

6A and 6B illustrate a web page screen for reviewing a loan for an electronic bill lending condition provided by the electronic bill intermediation system 200 and requesting a final lending contract.

As shown in FIG. 6A, the electronic note seller terminal 100 can set a loan condition including an application amount and an offer period, and request the electronic note intermediation system 200 for loan review.

The electronic bill intermediation system 200 examines the loan of the electronic bill (S360). At this time, the electronic bill intermediation system 200 rejects the loan when the electronic bill lender is disallowed (S370).

The electronic bill intermediation system 200 can return the electronic bill to the electronic bill seller terminal 100 in the case where the loan for the electronic bill is disallowed, rejected, or canceled.

On the other hand, the electronic bill intermediation system 200 sets the electronic bill to an end waiting state when the electronic bill issuance is approved (S380), and confirms whether or not the electronic bill issuing from the electronic bill selling terminal 100 is completed.

The electronic bill intermediation system 200 scrapes the bill information held in the corporate finance loan server for the electronic bill set in the wait state in the wait state from the prefecture state. At this time, the electronic bill intermediation system 200 may reject the loan if the bill number of the electronic bill, the application amount, the electronic bill seller, and the information on the expiration date do not match.

If the electronic bill brokering system 200 does not receive the final loan application of the electronic paper seller terminal 100 within a preset period even if the information of the electronic bill matches the information of the held bill of the corporate finance loan server, You can cancel.

For example, the electronic bill intermediation system 200 may invalidate the loan application of the electronic paper seller terminal 100 after 22:00 on the next day from the step S350.

The electronic bill intermediation system 200 detects the connection of the electronic paper seller terminal 100 within a predetermined period or receives an end note of the electronic paper bill when it is requested to publish the electronic paper bill from the electronic paper seller terminal 100 It can be assumed that it was finally approved.

As shown in FIG. 6 (b), the electronic bill brokering system 200 for the electronic bill in the wait-for-waiting state in which the issuance contract is requested from the electronic bill seller terminal 100 is finally authenticated by the electronic bill seller You can complete the loan application and the endorsement of the electronic bill.

Here, it is described that the ending of the electronic bill is performed through authorized authentication of the electronic bill seller, but the present invention is not limited thereto and can be completed through one or more authentication methods. For example, the endorsement of the electronic bill can be performed together with the official authentication and the input of the authentication number transmitted to the electronic bill selling terminal or the number according to the telephone authentication, but this configuration can be easily changed or set by the administrator This is possible.

Further, in the embodiment of the present invention, it has been described that the loan check is approved in step S380 after the loan check process in step S360, but the end of the electronic bill is completed. However, in the pre- And can be set up to complete the endorsement of the electronic bill together with the loan examination.

The electronic bill intermediation system 200 is a system for issuing an electronic bill to the electronic paper seller terminal 100 in a case where the electronic bill issuance is approved and the electronic bill in the endorsed wait state is completed in the electronic bill intermediation system 200 A loan contract can be provided (S385).

When the electronic bill intermediation system 200 receives the completed contract for the electronic bill from the electronic bill seller terminal 100, the electronic bill intermediation system 200 can finally confirm the loan application.

Next, when the electronic bill intermediation system 200 confirms the loan application from the electronic paper seller terminal 100, the electronic bill intermediation system 200 posts it on the web and recruits investors (S390).

The electronic bill intermediation system 200 can post the investment item condition including the application amount, the subscription period, the electronic bill information, and the discount rate on the web.

Then, the electronic bill intermediation system 200 can classify the characteristics of the investment goods and provide naming for each investment product by combining the business type, nickname, condition, and registration number. Here, the industry is related to the issuer industry of electronic bill, and can be classified into construction industry, heavy industry, wholesale and retail business, light industry and service industry. The nicknames indicate the characteristics of the product in short words, such as "spot" where the remaining days are short, "high" for high-risk or high-profit products, and "squat" for small receivables. The condition may indicate whether the product is profitable or stable, compared to the same electronic billing grade, and the registration number may refer to a number assigned when posted on the web.

For example, the electronic bill brokering system 200 can be named and posted on the web so that the characteristics of the investment product can be easily recognized, such as 'Construction Industry High Yield Profit Type 09'.

In this manner, the electronic bill intermediation system 200 can close one or more investors through investment conditions posted on the web, and close the investor recruitment if the same amount of money as the application amount is collected.

At this time, if the same investment amount as the corresponding investment amount is not collected within the offer period, the electronic bill brokering system 200 can transmit the investment offer status to the electronic book seller terminal 100 as a message. Then, the electronic bill intermediation system 200 can cancel the loan application and return the electronic bill to the electronic bill seller terminal 100.

On the other hand, when the electronic bill intermediation system 200 is requested to complete the loan only for the investment money collected from the electronic paper seller terminal 100, the electronic money bill intermediation system 200 can complete the loan for the investment money. Then, the electronic bill intermediation system 200 can calculate a new offer period and a discount rate for the unsold investment of the corresponding electronic bill at the request of the electronic bill seller terminal 100, and proceed with a new loan.

In addition, the electronic bill intermediation system 200 can collect an investor by adding an offer period to an electronic bill whose offer period has expired at the request of the electronic coupon seller terminal 100, and then re-adjusting the discount rate accordingly. In this case, the electronic bill intermediation system 200 can proceed with the consent of the investor terminal 300.

In the case where the investment money is not collected within the offer period, the proceeding procedure is not limited to any one, but can be changed and designed by the manager on the basis of the loan situation of the electronic paper bill, the seller of the electronic bill or the investor's intention.

Next, the electronic bill intermediation system 200 transmits the investment amount to the electronic paper seller terminal 100 when the investment amount is collected (S400).

The electronic bill brokering system 200 can stop the offering when the investment money is collected within the offer period and provide the certificate of interest receipt corresponding to the investment amount to the investor terminal 300. [ The electronic bill intermediation system 200 can transfer the investment amount from the electronic bill seller terminal 100 to a designated account.

At this time, the electronic bill intermediation system 200 can provide a plurality of principal payee certificates corresponding to the investment amount of each of a plurality of investors for one electronic bill.

Hereinafter, a process of collecting an investor by the electronic bill brokering system 200 and accepting an investment application of the investor terminal 300 and intermediating the electronic bill will be described in detail with reference to FIGS. 7 to 11. FIG.

FIG. 7 is a flowchart illustrating an electronic bill investing process with an investor terminal in an electronic bill brokering system according to an embodiment of the present invention. FIG. 8 is a flowchart illustrating an electronic bill investing process in the electronic bill brokering system according to one embodiment of the present invention. Lt; RTI ID = 0.0 > information. ≪ / RTI >

FIG. 9 is a diagram illustrating an example of a Web page screen in which an electronic bill intermediation system according to an embodiment of the present invention provides information to an investor terminal, and FIG. 10 is a diagram illustrating an example in which an investor terminal according to an embodiment of the present invention FIG. 5 is a diagram exemplarily showing a web page screen in which investment for a bill is made; FIG.

As described above in step S390, the electronic bill intermediation system 200 can receive the investment amount and the investment application from the investor terminal 300 by posting the investment conditions of the electronic bill on the web (S410).

As shown in Figs. 8 and 9, the electronic bill brokering system 200 can post investment commodity conditions for the electronic bill on the web.

8 (a) is an example of a web page in which an investment product with an offer period of 24 hours or less is posted in the form of a separate banner, and (b) of FIG. 8 shows an electronic bill grade, a discount rate ), Investment period, amount of application (total amount of recruitment), recruitment period, electronic bill information, and recruitment status.

9A is a diagram illustrating an example of a Web page providing electronic bill issuer information, FIG. 9B is a diagram illustrating an analysis result of the electronic bill issuer provided by the electronic bill intermediation system 200 according to an embodiment of the present invention. .

In this way, the electronic bill intermediation system 200 provides the electronic bill information posted on the web to the investor terminal 300, and transmits the investment amount and the investment application from the investor terminal 300 in real time As shown in FIG.

On the other hand, when receiving the automatic investment condition from the investor terminal 300, the electronic bill intermediation system 200 selects an investment product matching the investment condition and the automatic investment condition every predetermined time, You can enter your investment application.

Here, the automatic investment condition may further include the grade of the investment product or other conditions including, but not limited to, the type of investment goods and investment amount set from the investor terminal 300. The predetermined time may represent a fixed time zone, for example, 8:00 am and 3:00 pm, and may indicate a variable time zone of eventfulness, such as the time when a new investment product is posted on the web.

Such an automatic investment condition and a configuration for setting the automatic investment time can be easily changed and designed later by an administrator.

In the case where the investor terminal 200 is an individual, the electronic bill brokering system 200 limits the automatic investment amount to a fixed unit investment amount. If the investor terminal 200 applies for a priming fund, Can be input.

Here, a prime fund refers to a fund for investing a portion of funds in the initial stage of funding under the sponsorship of a crowning fund to create an atmosphere of funding.

The electronic bill brokering system 200 is a system in which the rules for proceeding with investment according to whether the bill issuance grade is equal to or higher than a predetermined grade, the rule for limiting the amount of investment for the same electronic bill issuer, , Rules for investing a certain percentage of the amount of the fund, and so on.

For example, a prudent fund rule can only make an investment for an investment grade that is at or above the issuer rating B +, or not exceed 5% of the prudent fund amount for the same issuer. The prime fund rules invest 20% of the total amount of the offer at the limit of 20 million won when the goods with BBB-grade or higher are registered for the first time. If the purchase rate is over 70%, the remaining amount is invested.

In this way, the electronic bill brokering system 200 automatically invests according to the prudent fund rules when applying for automatic investment with a prudent fund, and such prudent fund rules are not limited to this, It is possible.

Next, the electronic bill intermediation system 200 can check whether there is a deposit exceeding the investment amount in the account linked to the investor terminal 300 (S420). Here, the linked account represents a trust account linked with the electronic bill intermediation system 200 registered in the investor terminal 300. [

At this time, if there is no deposit in the trust account by linking with the CMA or general account of the trust account and the investor, the investor terminal 300 can inquire the amount to the CMA or general account of the linked investor so that the insufficient amount can be set to be automatically transferred have.

Next, if there is no deposit, the electronic bill intermediation system 200 transmits a notification message to the investor terminal 300 and ends the investment application.

If there is a deposit, the electronic bill intermediation system 200 may determine whether the investment amount exceeds the maximum investment amount per investment item (S440). The electronic bill brokering system 200 terminates the investment application when the investment amount exceeds the maximum amount of investment possible per investment product.

The electronic bill brokering system 200 can determine whether the investment amount exceeds the same borrower limit amount if the investment amount is smaller than the maximum investment amount per investment item (S450). The electronic bill brokering system 200 terminates the investment application when the investment amount exceeds the same borrower limit amount.

If the investment amount is smaller than the same borrowing amount limit, the electronic billing intermediation system 200 can determine whether the investment amount exceeds the maximum amount of investment possible per investor (S460). The electronic bill brokering system 200 terminates the investment application when the investment amount exceeds the maximum amount of investment possible per investor.

The electronic bill intermediation system 200 may approve the investment application of the investor terminal 300 if the investment amount is smaller than the maximum amount of investment possible per investor at step S470.

For the sake of convenience, the order of steps S440 to S460 of FIG. 7 has been described. However, the order of each step is not limited, and it is possible to judge whether or not the investment application is judged only by one step. The procedure for approving the investment application can be changed by the manager in the future, and it can be added or deleted as to whether or not the investee has received the right to receive the principal, and whether the investor terminal 300 includes the black list.

Next, the electronic bill intermediation system 200 may approve the investment application of the investor terminal 300, and then provide the investor terminal 300 with a principal payment right corresponding to the investment amount (S480).

At this time, the investor terminal 300 can change the investment amount or cancel the investment application before the completion of the investment fund collecting, and can not cancel the investment fund.

11 is a diagram exemplifying a principal receipt right certificate provided by an electronic bill brokering system according to an embodiment of the present invention.

As shown in FIG. 11, the electronic bill intermediation system 200 can provide the investor terminal 300 with a principal receipt certificate corresponding to the investment amount.

Here, the electronic bill intermediation system 200 holds the investment amount of the investor terminal 300 after the approval of the investment, and may provide the principal receipt right certificate when the investment money is completed. Or the electronic bill brokering system 200 may set the principal receipt right certificate to stand by when the investment approval is confirmed and provide the principal receipt certificate when the recruitment is completed.

Next, when the electronic bill expires, the electronic bill intermediation system 200 divides the amount of money deposited from the issuer of the electronic bill into a ratio of each investment amount to repay the investment amount to the investor terminal 300 (S490).

Here, the investor terminal 300 may set the trust account for providing the investment money and the account for repaying the investment money differently.

Then, the electronic bill intermediation system 200 notifies the electronic paper seller terminal 100 of the amount of money that has not been deposited from the issuer of the electronic bill on the due date. The electronic bill intermediation system 200 can transmit a notification message to the electronic paper seller terminal 100 and the investor terminal 300 if the payment is not made after the grace period. For subsequent proceedings, the investment can be refunded and the electronic brokerage can be completed through the own bond collection procedure or the consignment management.

On the other hand, the electronic bill intermediation system 200 can separately manage records such as electronic bill discount rate inquiry, electronic bill loan, investment application, cancellation of application, etc. to each of the electronic paper seller terminal 100 and the investor terminal 300 . For example, if the number of times that the electronic paper seller terminal 100 cancels the loan application exceeds the set number of times or only the discount rate information is acquired, and the number of times that the electronic paper seller terminal 100 does not advance to the loan application step exceeds the threshold value , The electronic note seller terminal 100 can be selected as a black list and managed separately.

In addition, the electronic bill intermediation system 200 can select a black list for the investor terminal 300 whose number of canceled investment applications exceeds the set number of times, and separately manage the investor terminal 300.

Then, the electronic bill intermediation system 200 can set a constraint on an electronic bill discount request or an investment application to the electronic book seller terminal 100 or the investor terminal 300 selected as a black list.

A program for executing the method according to one embodiment of the present invention can be recorded on a computer-readable recording medium.

The computer readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The media may be specially designed and constructed or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Here, the medium may be a transmission medium such as an optical or metal line, a wave guide, or the like, including a carrier wave for transmitting a signal designating a program command, a data structure, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, And falls within the scope of the present invention.

100: Electronic book seller terminal 200: Electronic bill brokering system
20: electronic bill grade calculating unit 220: discount rate adjusting unit
230: Investor recruitment unit 240: Electronic bill management unit
250: Investment Management Department 300: Investor Terminal
400: Electronic draft issuer 500: Other institution server

Claims (18)

The electronic note seller terminal and the electronic note information received from the electronic note seller terminal to determine whether the note is an intrinsic note or not and to determine whether the electronic note is an authentic note or not based on the payout stability grade of the electronic note seller or the reference credit rating of the electronic note issuer, An electronic bill gradation calculating unit for calculating an electronic bill grade,
A discount rate adjusting unit that receives an application amount and an offer period for the electronic paper bill information from the electronic paper seller terminal and adjusts a discount rate of the electronic paper bill based on the electronic bill grade, the application fee, and the offer period,
An investor recruiting unit for posting information on the web including the discount rate, the application amount, and the offer period,
The electronic pager is checked for approval of a loan of the electronic bill having the discount rate, the application amount and the offer period, and when the approval for the loan is determined, the electronic bill is set to an end waiting state, An electronic bill management unit for providing the investor terminal with a principal payment right for the electronic bill in accordance with the ratio of the investment amount to the terminal when the collection of the investment amount having the total amount of the application amount is completed from the terminal,
When the investor terminal is provided with the principal payment right, the investment amount is automatically paid to the designated account of the electronic paper seller terminal, and when the electronic paper bill expires, the payment amount of the electronic paper money received from the electronic paper issuer The investment amount management unit that automatically allocates the investment amount to the designated account of the investor in accordance with the ratio of the investment amount
The electronic bill acceptance system comprising:
In claim 1,
The electronic bill gradation calculation unit calculates,
Wherein the system is connected to a government agency server through the electronic bill seller information, and collects a transaction proof tax bill for the electronic bill through a scraping method to determine whether the electronic bill is an authentic bill.
In paragraph 2
The electronic bill gradation may include,
The system is divided into N grades and includes the standard discount rate, the applicable amount, the possible application period, and the applied constant value for each grade.
4. The method of claim 3,
Wherein the discount rate adjustment unit,
An electronic bill intermediation system for adjusting the discount rate of the electronic bill by applying the electronic bill grade, the application amount, and the offer period to the following equation:

(Dm) is the reciprocal of e, and df is the maximum number of days to be recruited, where ei is the reciprocal of e, e is the natural constant, A, b, and c each represent a constant value between 0 and 1, and a, b, and c represent a constant value between 0 and 1, respectively.
5. The method of claim 4,
The electronic bill management unit,
If the bill number, the application amount, the electronic bill seller, and the expiration date information of the electronic bill do not coincide with each other, the billing information is collected by the scrapping method to the corporate finance loan server with respect to the electronic bill set in the wait- Rejecting electronic bill intermediation system.
The method of claim 5,
The investor recruiting unit,
When the electronic bill producer is requested to post the electronic bill from the electronic bill seller terminal after the electronic bill is set in an end waiting state and the contract of the electronic bill seller is completed upon approval of the loan examination, An electronic note information, and an investment item condition including the discount rate, on a web.
The method of claim 6,
The investor recruiting unit,
When the investor terminal receives the investment amount and the investment application for the electronic bill posted on the web, it confirms whether or not a deposit corresponding to the investment amount or more exists in the account linked to the investor terminal,
Whether or not the investment amount exceeds the maximum investment amount per investment product, whether the investment amount exceeds the same borrowing limit amount, or whether the investment amount exceeds the maximum investment amount per investor Based on the investment information received from the investor terminal, whether or not to approve the investment application of the investor terminal.
8. The method of claim 7,
The investor recruiting unit,
And an investment application of the investor terminal is automatically input by selecting an investment product matching the investment commodity condition and the automatic investment condition at predetermined time intervals when receiving the automatic investment condition from the investor terminal.
The method of claim 1,
The electronic bill gradation calculation unit calculates,
If the bill issuer or the electronic bill seller information is stored in the enterprise information database in the enterprise accounting management server, scrapping the recovery security rating of the electronic bill seller or the reference credit rating of the electronic bill issuer in the enterprise information database Electronic bill brokering system.
The electronic note seller terminal and the electronic note information received from the electronic note seller terminal to determine whether the note is an intrinsic note or not and to determine whether the electronic note is an authentic note or not based on the payout stability grade of the electronic note seller or the reference credit rating of the electronic note issuer, Calculating an electronic bill grade,
Receiving an application amount and a collection period for the electronic bill information from the electronic bill seller terminal and adjusting a discount rate of the electronic bill based on the electronic bill grade, the application fee, and the offer period,
Posting information on the web including the discount rate, the application amount, and the offer period and recruiting an investor,
The electronic pager is checked for approval of a loan of the electronic bill having the discount rate, the application amount and the offer period, and when the approval for the loan is determined, the electronic bill is set to an end waiting state, Providing the investor terminal with the right to receive the principal bills in accordance with the ratio of the amount of the investment to the investor terminal when the collection of the investment fund with the total amount of the application fee is completed from the terminal;
When the investor terminal is provided with the principal payment right, the investment amount is automatically paid to the designated account of the electronic paper seller, and when the electronic paper bill is expired, the payment amount of the electronic paper money received from the electronic paper issuer A step of automatically paying in the designated account of the investor in accordance with the ratio of the investment amount
Wherein the method further comprises the steps of:
[Claim 10]
Wherein the step of calculating the electronic billing grade comprises:
Wherein the method further comprises accessing a national agency server through the electronic bill seller information, collecting a transaction proof tax bill for the electronic bill through a scraping method, and determining whether the electronic bill is an authentic bill.
[Claim 11]
The electronic bill gradation may include,
N number of grades, and includes a reference discount rate, an applicable amount, an applicable offer period, and an applied constant value for each grade.
The method of claim 12,
Wherein the step of adjusting the discount rate comprises:
Wherein the discount rate of the electronic bill is adjusted by applying the electronic bill grade, the application fee, and the offer period to the following equation: < EMI ID =

(Dm) is the reciprocal of e, and df is the reciprocal of the number of days. In this case, A, b, and c each represent a constant value between 0 and 1, and a, b, and c represent a constant value between 0 and 1, respectively.
The method of claim 13,
The step of providing the principal payee right may include:
If the bill number, the application amount, the electronic bill seller, and the expiration date information of the electronic bill do not coincide with each other, the billing information is collected by the scrapping method to the corporate finance loan server with respect to the electronic bill set in the wait- A method of mediating an electronic bill brokering system that rejects.
The method of claim 14,
The step of recruiting the investor comprises:
When the electronic bill producer is requested to post the electronic bill from the electronic bill seller terminal after the electronic bill is set in an end waiting state and the contract of the electronic bill seller is completed upon approval of the loan examination, Wherein the electronic brokerage system publishes an investment item condition including a period, the electronic bill information, and the discount rate on a web.
16. The method of claim 15,
The step of recruiting the investor comprises:
When the investor terminal receives the investment amount and the investment application for the electronic bill posted on the web, it confirms whether or not a deposit corresponding to the investment amount or more exists in the account linked to the investor terminal,
Whether or not the investment amount exceeds the maximum investment amount per investment product, whether the investment amount exceeds the same borrowing limit amount, or whether the investment amount exceeds the maximum investment amount per investor And determining whether to approve the investment application of the investor terminal based on the received investment information.
17. The method of claim 16,
The step of recruiting the investor comprises:
An intermediary of an electronic bill brokering system for automatically selecting an investment item matching the investment commodity condition and the automatic investment condition and automatically inputting an investment application of the investor terminal when the automatic investing condition is inputted from the investor terminal, Way.
The method of claim 1,
The step of calculating the electronic bill gradation includes:
If the bill issuer or the electronic bill seller information is stored in the enterprise information database in the enterprise accounting management server, scrapping the recovery security rating of the electronic bill seller or the reference credit rating of the electronic bill issuer in the enterprise information database A method of mediation of an electronic bill brokering system.

Images