KR20200060314A - Electronic bill mediation system and method thereof - Google Patents

Abstract

An electronic bill mediation system of the present invention comprises: an electronic bill grade calculation unit for determining whether bill is genuine by using electronic bill seller information and electronic bill information received from an electronic bill seller terminal, and calculating an electronic bill grade by using a collection stability grade of an electronic bill seller or a reference credit evaluation grade of an electronic bill issuer; a discount rate adjustment unit for receiving a request amount and a recruitment period for the electronic bill information from the electronic bill seller terminal, and adjusting a discount rate of an electronic bill based on the electronic bill grade, the request amount and the recruitment period; an investor recruitment unit for posting information including the discount rate, the request amount and the recruitment period on the web, and recruiting investors; an electronic bill management unit for evaluating whether to approve a loan of the electronic bill having the discount rate, the request amount and the recruitment period, setting the electronic bill in an endorsement waiting state when approval for the loan is determined, and providing 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 for automatically paying the investment money to a designated account of the electronic bill seller when the principal receiving right is provided to the investor terminal, and dividing a payment amount of the electronic bill deposited from the electronic bill issuer in accordance with a 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}

An electronic speech mediation system and method are provided.

In recent years, the peer-to-peer (P2P) financial industry has been spotlighted by individuals and individuals or individuals and companies that connect through online platforms without going through traditional financial companies such as banks. This P2P financing is also called loan-based crowd funding due to the nature of fund raising. Crowd funding has the advantage of being able to overcome the regional and human limitations of the current financing method by raising small amounts of funds from each unspecified amount of money.

Unlike traditional offline banks, crowdfunding is at a risk for crowdfunding investors, but it is expected to expand the crowdfunding infrastructure and awareness in the long run because it provides higher returns.

On the other hand, a true note is a bill issued for business-to-business transactions and payment, and the bill issuer denotes that the bill issuer pays the face value of the bill by the agreed date. These true bills can be exchanged for cash on a promised date, but it is common to finance funds with a bill discount that cashes a certain amount of money for circulation.

The traditional bill discount market is divided into a bill discount market through first financial institutions such as banks, and a bill discount market via general private lenders. In the first financial sector, it is possible to discount bills at a low discount rate, but there is a burden of setting collateral, and if it is via a lender, the bill is discounted at a high discount rate, although the burden of setting collateral is relatively small.

Therefore, a request for a discount on a bill has a burden on collateral setting or a high discount rate. Therefore, when setting a bill discount rate, there is a need for a technique for calculating a reasonable discount rate for a corresponding bill using accurate criteria.

Recently, with the introduction of electronic bills created and managed in the form of electronic documents, it is possible to reduce the cost of storing, managing, and exchanging bills.

Accordingly, there is a need for a system that combines the process of cashing out e-notes with crowdfunding to make online loans and investments, calculates a reasonable discount rate for each e-note, and reduces risk by recruiting multiple investors.

One embodiment of the present invention provides an electronic bill brokerage system and method for ultimately revitalizing the bill discount market and providing liquidity to SMEs by reducing the risk exposure of investors to a minimum while providing an economic discount rate to bill requestors It is to do.

In addition to the above tasks, it can be used to achieve other tasks not specifically mentioned.

The electronic speech intermediary system according to an embodiment of the present invention determines whether or not a true speech is used by using the electronic speech seller information and the electronic speech information received from the electronic speech seller terminal, and the recovery stability grade or electronic speech of the electronic speech seller Electronic bill rating calculation unit that calculates the electronic bill rating for electronic bills using the issuer's standard credit rating rating, receives the application amount and recruitment period for electronic bill information from the electronic bill seller's terminal, electronic bill rating, application amount And, information on the discount rate adjustment unit that adjusts the discount rate of the electronic bill based on the recruitment period, the discount rate, the application amount and the recruitment period is posted on the web. Branches judge whether to approve the loan of electronic bills, and if approval for loans is determined, set the electronic bills to be waited for, and within the recruitment period, the recruitment of investment funds with the total amount of the application amount from the investor terminal is completed. If possible, the electronic bill management unit provides principal and interest payment rights for electronic bills according to the ratio of investment money to the investor terminal, and when providing principal and principal receipts to the investor terminal, the investment money is automatically paid to the designated account of the seller of electronic bills, And when the electronic bill expires, it includes an investment management unit that automatically divides the payment amount of the electronic bill received from the electronic bill issuer according to the ratio of the investment and automatically pays it to the designated account of the investor.

The electronic bill grade calculating unit may access the state agency server through the electronic bill seller information and collect the transaction proof tax invoice for the electronic bill through the scraping method to determine whether the electronic bill is a true bill.

The electronic bill grade is divided into N grades, and may include a standard discount rate, an applicable amount, an applicable application period, and a constant value applied to each grade.

The discount rate adjusting unit may adjust the discount rate of the electronic bill by applying the electronic bill grade, the application amount, and the recruitment period to the following equation.

Here, mid is the standard discount rate by electronic bill grade, y1 is the adjustment period for the recruitment period, y2 is the loan amount adjustment value, z0 is the electronic bill grade constant, e is the natural constant, oe is the inverse of e, and df is the maximum number of recruitment days (dm) Is the recruitment period coefficient divided by the number of recruiting days (d0), af is the loan amount coefficient divided by the billing amount (am) divided by the application amount (a0), and a, b, c each represent a constant value between 0 and 1.

If the electronic bill management unit collects the bill information held in the corporate finance loan server by scraping the electronic bill set to endorsement status, and the information of the bill number of the electronic bill, the application amount, the seller of the electronic bill, and the maturity date do not match, You can refuse the loan.

The investor recruitment department is requested to post the electronic bill from the electronic bill seller terminal after the electronic bill is set to the endorsement status, and if the contract of the electronic bill seller is completed with the approval of the loan review, the application amount, recruitment period, The terms of the investment product including the electronic bill information and the discount rate may be posted on the web.

When the investor recruitment department receives an investment amount and an investment application for an electronic bill posted on the web from an investor terminal, it checks whether a deposit corresponding to the investment amount or more exists in an account linked to the investor terminal, and the deposit exists. In case, the investor terminal's investment is based on whether the investment amount exceeds the maximum investable amount per investment product, whether the investment amount exceeds the same borrower limit amount, or whether the investment amount exceeds the maximum investable amount per investor. You can decide whether to approve the application.

When the automatic investment condition is input from the investor terminal, the investor recruitment unit may automatically select the investment product having the same investment product condition and the automatic investment condition every predetermined time and automatically receive an investment request from the investor terminal.

The electronic bill grade calculation unit scrapes the recovery stability rating of the electronic bill seller or the standard credit rating rating of the electronic bill issuer in the corporate information database when the information of the issuer or electronic bill seller is stored in the corporate information database on the corporate accounting management server can do.

The mediation method of the electronic speech mediation system according to an embodiment of the present invention determines whether or not a true speech is obtained by using the electronic speech seller information and the electronic speech information received from the electronic speech seller terminal, and the recovery stability rating of the electronic speech seller Or calculating the electronic bill rating for the electronic bill using the electronic credit issuer's standard credit rating rating, receiving the application amount and the recruitment period for the electronic bill information from the electronic bill seller terminal, the electronic bill rating, the application amount, Then, adjusting the discount rate of the electronic bill based on the recruitment period, posting information including the discount rate, the application amount and the recruitment period on the web and recruiting investors, the electronic bill having the discount rate, the application amount and the recruitment period If the loan is approved or not, and approval for the loan is determined, the electronic bill is set to the waiting state, and when the recruitment of the investment amount is limited to the total amount of the application amount from the investor terminal within the recruitment period, Providing the principal and interest rights for electronic bills according to the ratio of the investment money to the investor terminal, and when providing the principal and interest rights to the investor terminal, automatically pay the investment money to the designated account of the seller of the electronic bill, and the electronic bill expires. If possible, includes the step of dividing the payment amount of the electronic bill received from the issuer of the electronic bill according to the ratio of the investment money and automatically paying it to the designated account of the investor.

According to an embodiment of the present invention, by adjusting the discount rate according to the electronic bill grade, the application amount and the recruitment period, it is possible to provide an investment product by adjusting a relatively flexible interest rate through real-time matching between supply and demand.

In addition, one embodiment of the present invention provides a small business or self-employed person who has had difficulty in financing, and provides an opportunity for money management and convenience in discounting and investing in bills with an online non-face-to-face service.

In addition, according to an embodiment of the present invention, by raising funds for a bill discount from a large number of investors through crowdfunding, it is possible to adjust the investment risk by allowing investors to invest in accordance with their investment plans.

1 is a configuration diagram showing a communication network including an electronic speech mediation system according to an embodiment of the present invention.
2 is a block diagram showing an electronic speech mediation system according to an embodiment of the present invention.
3 is a flowchart illustrating an electronic bill lending process with an electronic bill seller terminal in an electronic bill brokering system according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a web page screen in which an electronic bill seller 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 seller terminal inputs information about an electronic bill and requests evaluation according to an embodiment of the present invention.
6 is a diagram illustrating an example of a web page screen requesting a loan for an electronic bill by the electronic bill seller terminal according to an embodiment of the present invention.
7 is a flowchart illustrating an electronic bill investment process with an investor terminal in an electronic bill brokering system according to an embodiment of the present invention.
8 is a diagram illustrating information of electronic bills posted on the web according to an embodiment of the present invention.
FIG. 9 is a diagram illustrating a web page screen in which an electronic bill brokering system according to an embodiment of the present invention provides information to an investor terminal.
FIG. 10 is a diagram illustrating an example of a web page screen in which an investor terminal makes an investment in electronic bill according to one embodiment of the present invention.
11 is a view exemplarily showing a principal and interest receipt certificate provided by an electronic bill brokering system according to an embodiment of the present invention.

The embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains can easily practice. The present invention can be implemented in many different forms and is not limited to the embodiments described herein. In the drawings, parts not related to the description are omitted in order to clearly describe the present invention, and the same reference numerals are used for the same or similar elements throughout the specification. In the case of well-known technology, detailed description thereof will be omitted.

Throughout the specification, when a part “includes” a certain component, this means that other components may be further included rather than excluding other components unless specifically stated to the contrary.

1 is a configuration diagram showing a communication network including an electronic speech mediation system according to an embodiment of the present invention, and FIG. 2 is a configuration diagram showing an electronic speech mediation 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 other institution servers 500 are connected to the electronic speech brokerage system 200 through a network, and transmit and receive data to and from each other. The network may include any type of communication network carrying data, such as a wired communication network, a short-range or long-range wireless communication network, and a network in which they are mixed.

The electronic bill seller terminal 100 and the investor terminal 300 are collectively referred to as a terminal having a computing power by having a memory means and a processor, respectively. For example, a personal computer or a handheld computer ), PDA (personal digital assistant), mobile phones, smart devices, tablets (tablet) and the like.

The electronic bill brokering system 200 according to an embodiment of the present invention includes an electronic bill grade calculating unit 210, a discount rate adjusting unit 220, an investor recruiting unit 230, an electronic bill managing unit 240, and an investment management unit 250. Includes.

First, the electronic speech grade calculating unit 210 determines whether or not a true speech is made by using the electronic speech seller information and the electronic speech information received from the electronic speech seller terminal 100. A commercial bill is a bill issued for payment in inter-business transactions, and refers to a commercial bill that provides the amount specified in the bill at the date the contract is issued.

Then, the electronic bill rating calculating unit 210 calculates the electronic bill rating of the electronic bill using the recovery stability rating of the electronic bill seller and the standard credit rating rating of the electronic bill issuer. The electronic bill rating is an electronic bill rating calculated by the electronic bill brokering system 200 according to an embodiment of the present invention, and may include a standard discount rate, an applicable amount, an applicable application period, and a constant value for each class.

The discount rate adjusting unit 220 calculates the electronic bill discount rate based on the electronic bill rating, the application amount, and the recruitment period when the application amount and the recruitment period for the electronic bill information are input from the electronic bill seller terminal 100.

The investor recruitment unit 230 posts information including the adjusted discount rate, application amount, and recruitment period on the web and recruits one or more investors. The investor recruitment unit 230 may post information through a website, application, and mobile app, and recruit investors in real time during the recruitment period.

The electronic bill management unit 240 determines whether to approve the loan of the electronic bill having the discount rate, the application amount, and the recruitment period, and when approval for the loan is determined, sets the electronic bill to standby. In addition, the electronic bill management unit 240 provides the investor terminal 300 with a right to receive principal and interest for the electronic bill according to the ratio of the investment money when the recruitment of the investment amount as the total limit of the application amount from the investor terminal 300 is completed within the recruitment period. do.

Here, the principal and interest receivable is the right to receive principal and proportionate profits proportional to the investment from the affiliated financial company only if the related financial company recovers the principal and interest from the borrower by investing in the loan receivable.

Next, the investment money management unit 250 automatically pays the investment money to the designated account from the electronic terminal seller terminal 100 when the principal terminal 300 is provided with the right to receive the principal and interest. Here, the order of providing the principal and interest payment rights and the order of payment of investment funds are not fixed, and the administrator can easily change and design.

In addition, when the electronic bill expires, the investment money management unit 250 automatically divides the payment amount of the electronic bill received from the electronic bill issuer according to the ratio of the investment money and automatically pays the account to the designated account from the investor terminal 300.

The electronic speech mediation system may be a server, a terminal, or a combination of these.

The terminal is a device having a computational processing capability by providing a memory and a processor, respectively. For example, there are personal computers, handheld computers, personal digital assistants (PDAs), cell phones, smart devices, tablets, and the like.

The server is a processor in which a plurality of modules are stored, and a processor that is connected to the memory and reacts to a plurality of modules and processes service information provided to a terminal or action information for controlling service information, communication And means for displaying a user interface (UI).

Memory is a device that stores information, such as high-speed random access memory (high-speed random access memory, magnetic disk storage, flash memory device, other non-volatile solid-state memory device) It may include various types of memory, such as volatile memory.

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

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 directly or indirectly outputs or displays the UI, or may be a part of the device.

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

3 is a flow chart showing an electronic bill lending process with an electronic bill seller terminal in an electronic bill brokering system according to an embodiment of the present invention, and FIG. 4 is an electronic bill seller terminal according to an embodiment of the present invention. This is a diagram showing a web page screen for querying speech.

And Figure 5 is a diagram showing an example of a web page screen for requesting the evaluation and input of information about the electronic bill seller terminal according to one embodiment of the present invention, Figure 6 is one embodiment of the present invention A diagram showing a web page screen for requesting a loan for an electronic bill by the electronic bill seller terminal according to an example.

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

The electronic paper brokering system 200 may authenticate the electronic paper seller through the electronic paper seller terminal 100 and separately receive corporate articles of association, financial statements of the last three years, and company promotional brochures or company introduction materials. In addition, the electronic bill brokerage system 200 may provide interest rate benefits when adjusting the discount rate in response to separately input data.

4 (a) and 4 (b) show 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 connection with a financial settlement agency (U-note).

As shown in Fig. 4 (a), the electronic bill brokering system 200 connects to the financial settlement agent site through the public authentication of the electronic bill seller, and the electronic bill list of the electronic bill seller is shown in Figure 4 (b). It can be displayed on the screen together.

When an electronic bill requesting a discount of a bill from the list of electronic bills is selected from the electronic bill seller terminal 100, the electronic bill brokering system 200 may select the bill number, issuer (electronic bill issuer), amount (face value), and date of issue of the selected electronic bill. , It can collect speech information including expiration date.

At this time, the electronic bill brokering system 200 may determine that the electronic bill seller has performed the predecessor to the electronic bill through the authorized authentication of the electronic bill seller from the terminal 100. Alternatively, the electronic bill brokering system 200 may receive an endorsement for electronic bills in advance from the electronic bill seller terminal 100 offline.

In addition, the electronic bill brokering system 200 determines whether or not the speech is true, and selects a recovery stability rating of the electronic speech seller or a standard credit rating rating of the electronic speech issuer (S320).

5 (a) and 5 (b) show a webpage screen in the process of determining whether or not a true bill is received by receiving a certificate from the electronic speech seller terminal 100 in connection with the IRS Hometex.

As shown in (a) of FIG. 5, the electronic bill brokering system 200 may access the home tax server of the National Tax Service and collect the transaction proof tax bill of the electronic bill seller through a scraping method. And, as shown in (b) of FIG. 5, the electronic bill brokering system 200 may select a tax bill of electronic bills from at least one scrapped proof of transaction tax bill. Then, the electronic bill brokering system 200 may determine whether the corresponding electronic bill is a true bill through the selected tax invoice.

In addition, when the electronic bill brokering system 200 is a true bill, the electronic bill broker may access the corporate accounting management server and search for the recovery stability rating of the electronic bill seller or the standard credit rating rating of the electronic bill issuer.

For example, the electronic bill brokering system 200 may search for electronic bill seller or electronic bill issuer information in the enterprise information database of the enterprise resource planning (ERP) enterprise. When the electronic bill seller or electronic bill issuer information is stored in the corporate information database, the electronic bill brokering system 200 may scrape the recovery stability rating of the electronic bill seller or the standard credit rating rating of the electronic bill issuer.

On the other hand, if the electronic bill brokering system 200 is not stored in the corporate information database, it accesses a server that calculates a separately linked credit rating rating and collects the recovery stability rating of the electronic paper seller or the standard credit rating rating of the electronic paper issuer can do.

Alternatively, the electronic bill brokerage system 200 calculates the recovery stability rating of the electronic bill seller or the standard credit rating rating of the electronic bill issuer based on the rating information of the company performing the credit rating for the individual and the company, such as the nice rating information. can do.

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

Here, the electronic paper grade for electronic paper is classified into N grades as its own rating of the electronic paper brokering system 200 according to an embodiment of the present invention, and is based on a standard discount rate, an applicable amount, an applicable application period, and an application for each grade. Can contain a constant value. For example, the calculated electronic bill grade may be divided into 17 grades, and the standard discount rate range, the applicable amount range, the applicable application period range, and the range of applied constant values may be calculated for each grade.

And the electronic bill brokering system 200 calculates the electronic bill rating based on the electronic credit issuer's standard credit rating selected in the previous step S320, or combines the electronic credit issuer's standard credit rating and electronic bill seller's recovery stability rating. On the basis of this, the electronic speech grade can be calculated.

For example, even if the credit rating of the electronic paper seller is low, the electronic paper brokering system 200 may adjust the electronic paper rating upward when the credit rating of the electronic paper issuer is high and sound.

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

At this time, the application amount cannot exceed the face value of the electronic bill and the loan period may be set to the maturity date of the electronic bill.

* The electronic bill brokerage system 200 may calculate the electronic bill discount rate by applying the following equation (1) when input of the desired loan amount and the application period to recruit investors in response to the electronic bill information. have.

[Equation 1]

Here, mid is the standard discount rate by electronic bill grade, y1 is the adjustment period for the recruitment period, y2 is the loan amount adjustment value, z0 is the electronic bill grade constant, e is the natural constant, oe is the inverse of e, and df is the maximum number of recruitment days (dm) Is the recruitment period coefficient divided by the number of recruiting days (d0), af is the loan amount coefficient divided by the billing amount (am) divided by the application amount (a0), and a, b, c each represent a constant value between 0 and 1.

The electronic bill brokering system 200 may calculate and provide a discount rate corresponding to each input value when the changed application amount and the recruitment period are received from the electronic bill seller terminal 100 before the loan agreement of the corresponding electronic bill.

When the electronic bill brokerage 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 may request the electronic bill brokerage system 200 to check the loan. .

6 (a) and 6 (b) show webpage screens for screening loans and requesting a final loan contract for loan terms of electronic bills provided by the electronic bill brokering system 200.

As shown in (a) of FIG. 6, the electronic bill seller terminal 100 may set a loan condition including an application amount and a recruitment period and request the loan review to the electronic bill brokerage system 200.

The electronic bill brokering system 200 examines the loan of the electronic bill (S360). At this time, the electronic bill brokering system 200 rejects the loan if the loan of the electronic bill is disapproved (S370).

In addition, the electronic bill brokering system 200 may return the electronic bill in the waiting state to the electronic bill seller terminal 100 when the loan for the electronic bill is disapproved, rejected, or canceled.

On the other hand, when the loan of the electronic bill is approved, the electronic bill brokering system 200 sets the electronic bill to the waiting state, and then checks whether the electronic bill endorsement is completed from the electronic speech seller terminal 100 (S380).

The electronic bill brokering system 200 collects the bill information held in the corporate finance loan server in the scraping method for the electronic bill set from the senior order state to the endorsement waiting state. At this time, the electronic bill brokering system 200 may reject the loan if the information of the bill number of the electronic bill, the application amount, the seller of the electronic bill, and the maturity date do not match.

In addition, even if the electronic bill brokering system 200 matches the information of the electronic bill with the held bill information of the corporate finance loan server, if the future loan application of the electronic bill seller terminal 100 is not received within a predetermined period, the electronic bill brokerage system 200 receives the loan. You can cancel.

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

In addition, the electronic bill brokering system 200 detects the connection of the electronic bill seller terminal 100 within a preset period or receives an electronic bill endorsement when the electronic bill seller terminal 100 requests to post the electronic bill. It can be assumed that it was finally approved.

As shown in (b) of FIG. 6, the electronic bill brokering system 200 finally uses the electronic bill seller's public authentication for electronic bills in an endorsement waiting state requesting a loan contract from the electronic bill seller terminal 100. You can complete the loan application and electronic bill endorsement.

Here, although the endorsement of the electronic bill has been described as being performed through the authorized authentication of the seller of the electronic bill, it is not necessarily limited to this and may be completed through one or more authentication methods. For example, the endorsement of the electronic bill can be performed together with the authentication authentication and the authentication number input to the seller terminal of the electronic bill or the number input according to the phone authentication, but such a configuration can be easily changed or set by the administrator later. This is possible.

In addition, in the embodiment of the present invention, it has been described that the end of the electronic paper endorsement after the loan screening is approved in the step S380 after the loan screening step in the step S360, the end of the electronic paper endorsement in the step before the loan screening. In addition, it can be set to complete the endorsement of the electronic bill along with the loan examination.

E-mail intermediary system 200 when the loan of the electronic bill is approved and the electronic bill in the waiting state of the endorsement is completed with the electronic bill brokering system 200, the electronic bill seller terminal 100 for the electronic bill A loan agreement may be provided (S385).

Then, when the electronic bill brokering system 200 receives the completed contract for the electronic bill from the electronic bill seller terminal 100, it can finally confirm the loan application.

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

The electronic bill brokering system 200 may post the terms of the investment product including the application amount, the recruitment period, the electronic bill information, and the discount rate on the web.

In addition, the electronic bill brokering system 200 may classify the characteristics of the investment product and combine the industry, nickname, condition, and registration number to name each investment product. Here, the industry is related to the issuer industry of electronic bills and can be classified into construction industry, heavy industry, wholesale and retail business, light industry, and service industry. In addition, nicknames indicate the characteristics of the product in short words, such as 'spot' with short remaining days, 'high' for high-risk or high-yield products, and 'cutting' for small-scale bonds. The condition may indicate whether the product has enhanced profitability or enhanced stability compared to the same electronic bill grade, and the registration number may mean a number given when posted on the web.

For example, the electronic bill brokerage system 200 may be naming and posting on the web to easily understand the characteristics of the investment product, such as 'Construction Industry High Yield Revenue No. 09'.

As described above, the electronic bill brokerage system 200 may recruit one or more investors through the terms of the investment product posted on the web, and when the same investment amount is applied, the recruitment of investors may be closed.

At this time, the electronic bill brokering system 200 may transmit the investment fund recruitment status to the electronic bill seller terminal 100 as a message when the same investment money is not recruited within the recruitment period. In addition, the electronic bill brokering system 200 may cancel the loan application and return the electronic bill to the electronic bill seller terminal 100.

On the other hand, the electronic bill brokering system 200 may complete the loan for the investment if requested to complete the loan only for the fund raised from the electronic bill seller terminal 100. Also, the electronic bill brokering system 200 may perform a new loan by calculating a new recruiting period and a discount rate for the unrecruited investment of the electronic bill according to the request of the electronic bill seller terminal 100.

In addition, the electronic bill brokering system 200 may add an recruitment period to the electronic bill whose recruitment period has expired at the request of the electronic bill seller terminal 100, and adjust the discount rate accordingly to recruit investors. In this case, the electronic bill brokering system 200 may proceed with the consent of the investor terminal 300.

In this way, if the investment is not raised within the recruitment period, the proceedings are not limited to any one, and can be changed and designed by the manager based on the loan situation of the electronic bill, the seller of the electronic bill, or the intention of the investor.

Next, the electronic bill brokering system 200 transmits the investment money to the electronic bill seller terminal 100 when the investment money is recruited (S400).

When the investment money is recruited within the recruitment period, the electronic bill brokerage system 200 may stop the recruitment and provide the investor terminal 300 with a certificate of principal and interest receipt corresponding to the investment. In addition, the electronic bill brokering system 200 may transfer the corresponding investment money from the electronic bill seller terminal 100 to the designated account.

At this time, the electronic bill brokerage system 200 may provide a plurality of principal and interest payment certificates corresponding to each investor's investment for a single electronic bill.

Hereinafter, a process in which the electronic bill brokering system 200 will recruit investors and approve the investment application of the investor terminal 300 by using FIGS. 7 to 11 will be described in detail.

7 is a flowchart illustrating an electronic bill investment process with an investor terminal in an electronic bill brokering system according to an embodiment of the present invention, and FIG. 8 is an electronic bill posted on the web according to one embodiment of the present invention. It is a diagram showing information by way of example.

9 is an exemplary view showing a web page screen in which an electronic speech mediation system according to an embodiment of the present invention provides information to an investor terminal, and FIG. 10 is an investor terminal according to an embodiment of the present invention. It is a diagram showing a screen of a web page for investing in a bill by way of example.

As in step S390 described previously, the electronic bill brokering system 200 may receive input of the investment amount and the investment application from the investor terminal 300 when the terms of the investment product for the electronic bill are posted on the web (S410).

8 and 9, the electronic bill brokering system 200 may post investment product terms for the electronic bill on the web.

Figure 8 (a) is an example of a web page published in the form of a separate banner investment products within 24 hours of the recruitment period, 8 (b) is an electronic bill rating, discount rate (return rate) for each investment product ), Investment period, application amount (total recruitment amount), recruitment period, electronic bill information, and an example of a web page that posted the recruitment status.

And (a) of Figure 9 is an exemplary view of a web page providing electronic bill issuer information, (b) is the analysis information of the electronic bill issuer provided by the electronic bill brokering system 200 according to an embodiment of the present invention Indicates.

As described above, the electronic bill brokering system 200 provides electronic bill information posted on the web to the investor terminal 300, and provides the investment amount and investment application from the investor terminal 300 in real time within the recruitment period of the corresponding electronic bill. Can be input as

On the other hand, when receiving the automatic investment terms from the investor terminal 300, the electronic bill brokerage system 200 automatically selects an investment product that coincides with the terms of the investment product and the automatic investment conditions at a preset time, thereby automatically fixing the unit investment amount. You can enter your investment application.

Here, the automatic investment condition includes, but is not limited to, the type of investment product set by the investor terminal 300, the investment amount, and may further include the grade or other conditions of the investment product. In addition, the preset time may indicate a fixed time zone such as 8 am or 3 pm, and may indicate a variable time zone of event, such as a time when a new investment product is posted on the web.

The configuration for setting the automatic investment conditions and the automatic investment time can be easily changed and designed later by the administrator.

In addition, the electronic bill brokerage system 200 limits the automatic investment amount to a fixed unit investment amount only when the investor terminal 200 is an individual, and applies for an automatic investment according to a separate prime fund rule when applying with the prime fund. Can be input.

Here, the welcoming fund refers to a fund for creating an atmosphere of funding by putting a certain amount of money in the early stage of funding with the support of a crowdfunding fund.

Electronic bill brokering system 200 is a rule for proceeding investment according to whether or not the issuance grade is an investment product with a predetermined level or higher, a rule for limiting the amount of investment for the same electronic bill issuer, the initial registration or recruitment deadline of the investment product In addition, you can set up the rules for the fund of welcoming funds, such as the rules for investing a certain percentage of the amount raised.

For example, the rules for the commodity fund can only be invested in investment products with a grade B + or higher of the issuance level, or no more than 5% of the amount of the commodity fund for the same issuer. In addition, when the BBB-class or higher product is registered for the first time, 20% of the amount of the investment is invested in the limit of 20 million won. If the product is higher than 70% in the BB-class or higher, the remaining amount is invested.

As described above, when the automatic bill brokerage system 200 applies for automatic investment as a prime fund, the automatic investment proceeds according to the rule of the prime fund, and the rule of the prime fund is not limited to this and is later changed and designed by the manager. It is possible.

Next, the electronic bill brokering system 200 may check whether there is a deposit greater than or equal to the investment amount in the account associated with the investor terminal 300 (S420). Here, the linked account refers to a trust account linked to the electronic bill brokerage system 200 registered with the investor terminal 300.

At this time, the investor terminal 300 may be set to automatically transfer the insufficient amount by interrogating the amount in the CMA or general account of the linked investor, if there is no deposit in the trust account in connection with the trust account and the investor's CMA or general account. have.

Next, if the deposit does not exist, the electronic bill brokering system 200 sends a notification message to the investor terminal 300 and ends the investment application.

When there is a deposit, the electronic bill brokerage system 200 may determine whether the investment amount exceeds the maximum investment amount per investment product (S440). The electronic bill brokerage system 200 ends the investment application when the investment amount exceeds the maximum investment amount per investment product.

When the investment amount is smaller than the maximum investment amount per investment product, the electronic bill brokerage system 200 may determine whether the investment amount exceeds the same borrower limit amount (S450). The electronic bill brokerage system 200 ends the investment application when the investment amount exceeds the same borrower limit amount.

When the investment amount is less than the same borrower limit amount, the electronic bill brokerage system 200 may determine whether the investment amount exceeds the maximum investment amount per investor (S460). The electronic bill brokerage system 200 ends the investment application when the investment amount exceeds the maximum investment per investment.

When the investment amount is less than the maximum investment per investor, the electronic bill brokerage system 200 may approve the investment application of the investor terminal 300 (S470).

For the convenience of explanation, the order was decided in step S440 to step S460 in FIG. 7, but the order of each step is not limited, and it is possible to determine whether to examine the investment application in one step. In addition, the process for approving the investment application may be changed in the future by the manager, and it is possible to add or delete whether or not an existing invested principal or interest is received, or whether the investor terminal 300 includes a black list.

Next, the electronic bill brokerage system 200 may approve the investment application of the investor terminal 300, and then provide the principal terminal receipt right corresponding to the investment money to the investor terminal 300 (S480).

At this time, the investor terminal 300 may change the investment or cancel the investment application until the investment is completed, and cannot be canceled when the investment is completed.

11 is a view exemplarily showing a principal and interest receipt certificate provided by an electronic bill brokering system according to an embodiment of the present invention.

As illustrated in FIG. 11, the electronic bill brokering system 200 may provide the principal terminal receipt certificate corresponding to the investment amount to the investor terminal 300.

Here, the electronic bill brokerage system 200 may hold the investment money of the investor terminal 300 after approval of the investment, and provide a certificate of principal and interest upon receipt of the investment. Alternatively, the electronic bill brokerage system 200 may set the certificate of principal and interest upon waiting for investment approval and provide the certificate of principal and interest upon completion of recruitment.

Next, when the electronic bill brokering system 200 expires, the electronic bill may divide the amount deposited from the electronic bill issuer into each investment ratio and repay the investment money to the investor terminal 300 (S490).

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

Then, the electronic bill brokering system 200 notifies the electronic bill seller terminal 100 when the amount of money is not deposited on the maturity date from the issuer of the electronic bill. In addition, the electronic bill brokering system 200 may transmit a notification message to the electronic bill seller terminal 100 and the investor terminal 300 if the deposit is not received even after the grace period. For the subsequent procedures, it is possible to recover the investment and complete the brokerage through electronic bond collection procedures or consignment management.

On the other hand, the electronic bill brokering system 200 may separately manage records such as electronic bill discount inquiry, electronic bill loan or investment application, application cancellation, etc., for each electronic bill seller terminal 100 and the investor terminal 300. . For example, in the electronic bill brokering system 200, the number of times that the electronic bill seller terminal 100 cancels the loan application exceeds a set number of times, or the number of times that only the discount rate information is acquired and does not finally proceed to the loan application step exceeds a threshold value. In this case, the corresponding electronic bill seller terminal 100 may be selected as a blacklist and managed separately.

In addition, the electronic bill brokering system 200 may select and manage the investor terminal 300 as a blacklist for the number of times the number of times the cancellation of the investment application exceeds the set number of times.

In addition, the electronic bill brokering system 200 may set restrictions on requests for discounts or investment requests for electronic bills for the electronic bill seller terminal 100 or the investor terminal 300 selected as a blacklist.

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

Computer-readable media may include program instructions, data files, data structures, or the like alone or in combination. The media may be specially designed and constructed, or may be known and usable by those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROMs, DVDs, magnetic-optical media such as floptical discs, and ROM, RAM, flash memory, etc. Hardware devices specifically configured to store and execute the same program instructions are included. Here, the medium may be a transmission medium such as an optical or metal line, a waveguide, or the like including a carrier wave that transmits a signal designating a program command, data structure, or the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, etc., as well as machine language codes produced by a compiler.

In the above, one preferred embodiment of the present invention has been described in detail, but the scope of the present invention is not limited to this, and various modifications and improvements of those skilled in the art using the basic concept of the present invention as defined in the following claims. It belongs to the scope of the present invention.

100: electronic bill seller terminal 200: electronic bill brokering system
20: electronic bill rating calculation unit 220: discount rate adjustment unit
230: Investor recruitment department 240: Electronic bill management department
250: investment management unit 300: investor terminal
400: Electronic bill issuer 500: Other institution server

Claims (18)

The electronic bill seller information and electronic bill information received from the electronic bill seller terminal is used to determine whether or not it is true speech, and the electronic bill seller's recovery stability rating or the electronic credit issuer's standard credit rating rating is used for the electronic bill. Electronic paper grade calculator for calculating electronic paper grade,
A discount rate adjusting unit that receives an application amount and a recruitment period for the electronic bill information from the electronic bill seller terminal, and adjusts a discount rate of the electronic bill based on the electronic bill grade, the application amount, and the recruitment period,
An investor recruitment unit that posts information including the discount rate, the application amount, and the recruitment period on the web and recruits investors,
The discount rate, the application amount, and whether or not to approve the loan of the electronic bill having the recruitment period are judged, and if approval for the loan is determined, the electronic bill is set to be waited and invested within the recruitment period When the recruitment of the investment amount from the terminal to the total amount of the application is completed, the electronic bill management unit provides the principal with the right to receive the principal and interest for the electronic bill according to the ratio of the investment money, and
When the principal payment right is provided to the investor terminal, the investment money is automatically paid to the designated account of the electronic bill seller terminal, and when the electronic bill expires, the payment amount of the electronic bill received from the electronic bill issuer is paid. Investment management department that automatically divides and divides money according to the ratio of the investment to the designated account of the investor
Electronic speech mediation system comprising a.
In paragraph 1
The electronic bill rating calculator,
An electronic bill brokering system that accesses the state 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 a true bill.
In Section 2
The electronic bill rating,
It is divided into N grades, and the electronic bill brokerage system includes a standard discount rate for each grade, an applicable amount, an applicable application period, and a constant value applied.
In claim 3,
The discount rate adjustment unit,
An electronic bill brokering system that adjusts the discount rate of the electronic bill by applying the electronic bill grade, the application amount, and the recruitment period to the following equation:

Here, mid is the standard discount rate by electronic bill grade, y1 is the adjustment period for the recruitment period, y2 is the loan amount adjustment value, z0 is the electronic bill grade constant, e is the natural constant, oe is the inverse of e, and df is the maximum number of recruitment days (dm) Is the recruitment period coefficient divided by the number of recruiting days (d0), af is the loan amount coefficient divided by the billing amount (am) divided by the application amount (a0), and a, b, c each represent a constant value between 0 and 1.
In claim 4,
The electronic bill management unit,
For the electronic bill set to the endorsement waiting state, the collected bill information is collected on the corporate finance loan server by scraping, and if the information of the bill number of the electronic bill, the application amount, the seller of the electronic bill, and the maturity date do not match, the loan is made. Electronic bill brokering system to reject.
In claim 5,
The investor recruitment department,
After the electronic bill is set to the endorsement waiting state, when the electronic bill seller terminal is requested to post the electronic bill, and the approval of the loan examination completes the contract of the electronic bill seller, the application amount, the recruitment Electronic bill brokering system for posting on the web the terms of the investment product including the period, the electronic bill information, and the discount rate.
In claim 6,
The investor recruitment department,
When receiving an investment amount and an investment application for an electronic bill posted on the web from the investor terminal, check whether there is a deposit corresponding to the investment amount or more in an account linked to the investor terminal,
If the deposit is present, whether the investment amount exceeds the maximum investmentable amount per investment product, whether the investment amount exceeds the same borrower limit amount, or whether the investment amount exceeds the maximum investmentable amount per investor. Based on the basis, the electronic bill brokerage system for determining whether to approve the investment application of the investor terminal.
In claim 7,
The investor recruitment department,
When receiving the automatic investment conditions from the investor terminal, an electronic bill brokerage system that automatically selects an investment product that matches the investment product conditions and the automatic investment conditions every predetermined time and automatically receives an investment request from the investor terminal.
In claim 1,
The electronic bill rating calculator,
When the information about the issuer of the bill or the seller of the electronic bill is stored in the company information database on the company accounting management server, scraping the collection stability rating of the seller of the electronic bill or the standard credit rating of the issuer of the electronic bill in the company information database Electronic bill brokering system.
The electronic bill seller information and electronic bill information received from the electronic bill seller terminal is used to determine whether or not it is true speech, and the electronic bill seller's recovery stability rating or the electronic credit issuer's standard credit rating rating is used for the electronic bill. Calculating the electronic speech grade,
Receiving an application amount and a recruitment 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 amount, and the recruitment period,
Posting information including the discount rate, the application amount and the recruitment period on the web and recruiting investors,
The discount rate, the application amount, and whether or not to approve the loan of the electronic bill having the recruitment period are judged, and if approval for the loan is determined, the electronic bill is set to be waited and invested within the recruitment period When the recruitment of the investment money from the terminal to the total amount of the application is completed, providing the principal with the right to receive the principal and interest for the electronic bill according to the ratio of the investment money to the investor terminal, and
When the principal payment right is provided to the investor terminal, the investment money is automatically paid to the designated account of the seller of the electronic bill, and when the electronic bill expires, the payment amount of the electronic bill received from the issuer of the electronic bill is recalled. Automatic payment to the investor's designated account by dividing according to the proportion of investment
A mediation method of an electronic speech mediation system comprising a.
In paragraph 10
The step of calculating the electronic bill grade,
A method of intermediary of an electronic billing system for determining whether the electronic bill is a true bill by collecting a transaction proof tax invoice for the electronic bill through a scraping method by accessing the electronic institution seller information through the electronic bill seller information.
In Section 11
The electronic bill rating,
It is divided into N grades, and the mediation method of the electronic billing system includes a standard discount rate for each grade, an application amount, an application period, and a constant value applied.
In claim 12,
Adjusting the discount rate,
A mediation method of an electronic bill system that adjusts the discount rate of the electronic bill by applying the electronic bill grade, the application amount, and the recruitment period to the following equation:

Here, mid is the standard discount rate by electronic bill grade, y1 is the adjustment period for the recruitment period, y2 is the loan amount adjustment value, z0 is the electronic bill grade constant, e is the natural constant, oe is the inverse of e, and df is the maximum number of recruitment days (dm) Is the recruitment period coefficient divided by the number of recruiting days (d0), af is the loan amount coefficient divided by the billing amount (am) divided by the application amount (a0), and a, b, c each represent a constant value between 0 and 1.
In claim 13,
The step of providing the principal and interest receipt,
For the electronic bill set to the endorsement waiting state, the collected bill information is collected on the corporate finance loan server by scraping, and if the information of the bill number of the electronic bill, the application amount, the seller of the electronic bill, and the maturity date do not match, the loan is made. The mediation method of the electronic speech mediation system to reject.
In claim 14,
The step of recruiting the investors,
After the electronic bill is set to the endorsement waiting state, when the electronic bill seller terminal is requested to post the electronic bill, and the approval of the loan examination completes the contract of the electronic bill seller, the application amount, the recruitment A mediation method of an electronic bill brokering system that posts on the web the terms of the investment product including the period, the electronic bill information, and the discount rate.
In claim 15,
The step of recruiting the investors,
When receiving an investment amount and an investment application for an electronic bill posted on the web from the investor terminal, check whether there is a deposit corresponding to the investment amount or more in an account linked to the investor terminal,
If the deposit is present, whether the investment amount exceeds the maximum investmentable amount per investment product, whether the investment amount exceeds the same borrower limit amount, or whether the investment amount exceeds the maximum investmentable amount per investor. Based on the, the mediation method of the electronic speech intermediary system for determining whether to approve the investment application of the investor terminal.
In claim 16,
The step of recruiting the investors,
When receiving the automatic investment conditions from the investor terminal, the mediation of the electronic bill brokerage system that automatically selects the investment product that matches the investment product conditions and the automatic investment conditions every preset time and automatically receives the investment application from the investor terminal. Way.
In claim 1,
The step of calculating the electronic bill grade,
When the information about the issuer of the bill or the seller of the electronic bill is stored in the company information database on the company accounting management server, scraping the collection stability rating of the seller of the electronic bill or the standard credit rating of the issuer of the electronic bill in the company information database The method of intermediary of the electronic speech mediation system.

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