KR20200126852A - Sales credit mediation system for protecting concerned persons - Google Patents

Abstract

The present invention provides a sales credit mediation system in an investment attraction method with the stability including a web server operated by a mediation company. A web server is connected to a communication network to perform various functions including a subscription application function, an insurance contract generation function, an insurance subscription function, and an investment fund collection function. According to the present invention, even if a first issuer is in an insolvency state, both investor and person, who has converted sales credit into cash, can be safely protected, and various other effects occur.

Description

Investment attraction type accounts receivable brokerage system with safety {SALES CREDIT MEDIATION SYSTEM FOR PROTECTING CONCERNED PERSONS}

The present invention relates to an investment-attracting trade receivable brokerage system, and more specifically, an investment attraction-type with safety that can protect interested parties who may be damaged in a situation where the first issuer cannot pay the face value of the bond on the bond maturity date. It relates to a trade receivable brokerage system.

When commercial transactions are conducted between companies, the purchasing company that purchased the goods or services (hereinafter, abbreviated as "transaction products") pays the transaction price to the selling company that sold the transaction. The transaction price is usually paid in cash, but it is also paid in the form of account receivables such as paper bills and electronic bills.

Sellers holding accounts receivable can convert accounts receivable into cash by receiving the transaction price on the maturity date of the accounts receivable. In addition, even before the expiration date of the trade receivables, the selling company can convert the trade receivables into cash by transferring them to others by discounting them.

Therefore, with respect to trade receivables, the company or individual who first issued trade receivables (hereinafter referred to as "first issuer"), the company or individual currently holding trade receivables (hereinafter, referred to as "the current holder"), trade receivables One or more companies or individuals holding trade receivables from the original issuer to the current holder (hereinafter, referred to as "past holders"), companies or individuals who wish to purchase trade receivables from the current holder (hereinafter, "the desired person There are various interests such as "").

An example of a technology for online relaying the trading of trade receivables among interested parties as described above is disclosed in Patent No. 10-0512151 (electronic bill trading mediation system and method).

In the above registered patent, the web server connected to the communication network receives information about the electronic draft from the current holder and registers it as a property, and when the person who wishes to purchase the registered property makes a payment, the transaction result is transmitted to the electronic draft management system. By doing so, it mediates the trading of electronic bills.

Another technology for online relaying of trade receivables trading among interested parties is disclosed in Korean Patent Application Publication No. 10-2019-0009238 (electronic bill mediation system and method thereof).

In the technology disclosed in this patent, the investor also participates as a stakeholder, and the investments attracted from this investor are used as the purchase price of the electronic draft registered by the current holder for sale, and the face value recovered from the first issuer when the electronic draft expires is distributed to the investor. In that it is different from the technology disclosed in the above registered patent.

Registered Patent No. 10-0512151 (Electronic bill trading brokerage system and method) Publication Patent No. 10-2019-0009238 (Electronic bill intermediary system and method thereof)

On the other hand, there may be a situation in which the first issuer may not be able to pay the face value at the maturity of trade receivables due to bankruptcy, etc.. Then, in the technology disclosed in the above patent, first, from the perspective of the investor, it is impossible to recover the investment principal, let alone investment profit. You must take risks, and secondly, from the standpoint of the current holder, you must take the risk that you must bear the face value that the first issuer must pay. In other words, there is a problem that cannot be protected for both the investor and the current holder.

Therefore, the present invention proposes to provide an investment attraction-type account receivable brokerage system that can safely protect both investors and current holders.

The present invention provides an investment attraction-type trade receivable brokerage system with safety including a web server operated by a brokerage company. The web server is connected to a communication network and is provided to perform the following functions.

Provides a web page for a subscriber to which a subscriber who intends to make an offer for transfer using all or part of the face value indicated on his or her trade receivables as a transfer bond, and through the web page for the subscriber, bond information and subscription terms for the transfer bond A subscription reception function receiving input; An estimated insurance premium calculated using the credit information of the first issuer indicated on the transfer bond, the bond information, and the terms of subscription, the subscriber as the policyholder to pay the expected premium, and the insurance company as the insurer, and the par value of the transfer bond. An insurance contract generation function for generating an insurance contract that includes a content that is used as an insurance premium and that the brokerage company is an insurance claim and a recipient; An insurance subscription function for transmitting the insurance contract and its annexed documents to the insurance company server operated by the insurance company, receiving the insurance certificate from the insurance company server, and providing the insurance policy to the subscriber; And investment information including the bond information, discount rate, investment fund raised, deadline for funding, and the insurance policy are posted on the web page for posting, and a virtual account to which the funded investment will be deposited is opened for each investor who requested the investment. An investment fund recruitment function that guides investors and updates the total investments deposited in the virtual accounts in real time;

The annexed documents include the content that the subscriber entrusts the insurance subscription authority to the brokerage company and a seal power of attorney including the seal of the subscriber.

When performing the insurance contract creation function, the web server also generates a power of attorney to be sealed by the subscriber.

The web server obtains the stamped insurance contract and seal power of attorney by displaying the insurance contract and power of attorney generated when performing the insurance contract creation function on the web page for the subscriber and then receiving an electronic signature from the subscriber.

When performing the insurance subscription function, the web server transmits the stamped insurance contract and its accompanying documents after confirming that the expected premium has been deposited from the subscriber.

When performing the investment fund recruitment function, the web server posts the end of the investment fund recruitment on the posting webpage even before the investment fund recruitment deadline when the total investment reaches the fund raising fund, and notifies the subscriber and investor.

If the total investment amount is less than the funding investment amount on the investment solicitation deadline, the web server opens a virtual account for depositing investment funds to participate in the brokerage company as an investor, and then uses the virtual account to be dedicated to the brokerage company. Transfer the unpaid amount from the account.

If the face value of the transfer bond is not received from the initial issuer on the bond maturity date included in the bond information, the web server notifies the insurance claim account while claiming the insurance money to the insurance company server, and transfers received to the insurance claim account. The face value of the bond is transferred to the investors' account.

According to the present invention, even if the first issuer is in a situation where the face value of the bond cannot be paid on the maturity date of the trade receivable, the investor can be guaranteed the original investment principal and investment profit, and the person who converted the trade receivable (subscriber) into the bond Since there is no obligation to pay face value, both investors and those who have cashed out accounts receivable (subscribers) can be safely protected.

In addition, according to the present invention, since it is possible to recognize that the investment is safe by presenting an insurance policy to those who intend to invest in trade receivables, recruitment of investors can be made smoothly and quickly.

In addition, according to the present invention, since the insurance subscription of the person who intends to cash out accounts receivable (subscriber) is carried out by the brokerage company, the person who intends to cash out the accounts receivable (subscriber) can enjoy the convenience of the insurance subscription procedure.

In addition, according to the present invention, an insurance contract and a power of attorney to be presented to a person who intends to monetize trade receivables (subscriber) is automatically generated, and a seal insurance contract, a seal power of attorney, and others Retrieval of the accompanying documents can be done easily on the website.

In addition, according to the present invention, even if the total investment raised by the investment fund recruitment deadline is less than the recruitment investment amount, the cashing of trade receivables can proceed as planned without any problems.

1 is a block diagram showing an investment attraction type account receivable brokerage system with safety according to the present invention.
FIG. 2 is a diagram showing a relationship among stakeholders involved in the operation of the investment-attracting trade receivable brokerage system with safety shown in FIG. 1.

Hereinafter, preferred embodiments of an investment attraction-type account receivable brokerage system with safety according to the present invention will be described in detail with reference to the drawings. The terms or words used below should not be interpreted as being limited to their usual or dictionary meanings, and based on the principle that the inventor can appropriately define the concept of terms in order to explain his own invention in the best way. It should be interpreted as a meaning and concept consistent with the technical idea of the present invention.

The investment attraction-type account receivable brokerage system with safety according to the present invention includes a web server 110 as shown in FIG. 1. The web server 110 is connected to the communication network and the database 112 and is operated by an intermediary company. Various functions are linked to the subscriber terminal 120, the investor terminal 130, and the insurance company server 140 connected to the communication network. Perform them. In the following, the functions performed by the web server 110 are described by dividing into a subscription reception function, an insurance contract generation function, an insurance subscription function, an investment fund recruitment function, and the like.

<Subscription acceptance function>

Current holders of trade receivables can be monetized by receiving the face value of trade receivables from the original issuer of the trade receivables at the maturity date of the trade receivables. However, the current holders of trade receivables in an urgent need to monetize trade receivables will attempt to monetize trade receivables by transferring all or part of the face value of trade receivables to others even before the expiry date. In the following, the current holder who attempts to monetize the trade receivable before the maturity date will be referred to as the "subscriber", and all or part of the face value of the trade receivable that the subscriber intends to convert will be referred to as the "transfer receivable".

The web server 110 provides a web page for a subscriber to which the subscriber can access in order to perform the subscription reception function.

This web page for subscribers provides fields for inputting information on bonds and terms of subscription. The above receivable information is the information displayed on the transfer receivables, such as the face value of trade receivables, the issuance date of trade receivables, the maturity date of trade receivables, the first issuer of trade receivables, the first issuer of trade receivables, and possession of trade receivables while being handed over to the subscriber. Includes one or more past holders, etc.

The above terms and conditions include the face value of the trade receivables that the subscriber wishes to transfer, that is, the face value of the transfer receivables, and the transfer deadline that the subscriber wishes to transfer. In addition, the above subscription conditions may further include a desired discount rate desired by the subscriber for the par value of the transfer bond.

The web server 110 receives the above bond information and subscription conditions presented by the subscriber through the web page for the subscriber, completes the subscription reception function, and stores the received bond information and subscription conditions in the database 112.

<Subscription examination>

When the subscription reception function is performed, the brokerage company reviews the subscription. At this time, the web server 110 provides a web page for internal review that can be accessed by a person in charge within the brokerage company so that the brokerage company's subscription review can be easily performed, and the first issuer information, the above bond information, and subscription information on this webpage Indicate the conditions.

Here, the first issuer information includes the issuer name, business registration number, corporate registration number, business type, sales, operating profit, business address, contact information, credit information (credit rating, etc.), representative information, and the like. The web server 110 may request and receive the above first issuer information from the credit information company server 150 operated by the cooperative credit information company, and store the received first issuer information in the database 112.

In addition, the web server 110 inputs the credit rating of the first issuer information above, the account receivable maturity date of the above receivable information, and the face value of the transfer receivable under the above subscription conditions as variables of the discount rate calculation formula stored in the database 112 to calculate the discount rate. The calculated and calculated discount rate is stored in the database 112 and displayed on a web page for internal examination.

After confirming the above information displayed on the web page for internal examination, the brokerage company will review the results of "rejection" to reject the subscription of the subscriber, "approval of the original" or "approval of amendment" to modify and approve the original draft. Can be adopted as

The web server 110 electronically notifies the subscriber of the examination result input on the internal examination web page. For example, if the result of the review is rejection, the fact that the subscription has been rejected and the reason for the rejection is the fact that the subscription is accepted according to the contents presented by the subscriber in the case of approval of the original draft, and the content presented by the subscriber is a brokerage company in the case of revision approval. The fact that the subscription is accepted according to the revised contents and the revised contents of the brokerage company are notified electronically to the subscriber.

The electronic manner in which the above notification is made is not particularly limited. For example, the web server 110 may display the examination result on a web page for a subscriber, and notify this fact to the subscriber's mobile phone. In addition, the web server 110 may send the above examination result to the subscriber's e-mail and notify this fact to the subscriber's mobile phone.

In this specification, a subscriber webpage does not mean a single webpage, but is a generic name of webpages that a subscriber can access. Therefore, the web page for subscribers should be understood as a concept of a group consisting of a plurality of web pages rather than a single web page. Accordingly, the web page for subscribers in <Subscription Reception Function> and the web page for subscribers in this <Subscription Review> Pages may not have the same content and web address. This is also the case below.

<Insurance contract creation function>

The web server 110 performs a function of generating an insurance contract after performing a function of accepting a subscription.

When performing the insurance contract creation function, the web server 110 calculates the expected premium by using the credit information (credit rating) of the first issuer, the above bond information (the maturity date of the accounts receivable), and the above subscription conditions (the face value of the transfer receivable). do. In this case, the web server 110 calculates a predicted insurance premium by putting the above credit information (credit rating), bond information (sales receivable maturity date), and terms of subscription (the par value of transfer receivables) as variables in the premium calculation formula previously stored in the database.

For example, if the first issuer's credit rating is 3 out of 1-18, the account receivable maturity date is 3 years left from the present, and the par value of the transfer receivable is 200 million out of 300 million won, the web server 110 is 3 This is an equation to calculate the expected premium by using the credit rating of the rating, the insurance period of 3 years, and the premium of 200 million won as variables in the above premium calculation formula.

In addition, when performing the insurance contract creation function, the web server 110 indicates that the subscriber is an insurance policyholder who will pay the estimated premium, that the insurance company is the insurer, and that the face value of the transfer bond is the insurance premium. Include it as the content of the insurance contract. In addition, the web server 110 also includes in the contents of the insurance contract that the brokerage company is the insurance claim and the recipient.

When performing the insurance contract creation function, the web server 110 also generates a power of attorney, in which case the content that the subscriber entrusts the insurance subscription authority to the brokerage company is included in the power of attorney.

<Request and acceptance of seals, etc.>

Upon completion of the creation of the insurance contract, the request and receipt of the seal and related supporting documents (including the power of attorney) can be made in various ways.

For example, a brokerage company may mail to a subscriber an insurance contract and accompanying documents including a power of attorney, and a subscriber may send a signed insurance contract, a signed power of attorney, and other supplementary documents to the broker by mail. This procedure may be done face-to-face between the brokerage company and the subscriber.

In addition, the above procedure can be conveniently performed on the subscriber's website. In this case, the web server 110 displays the insurance contract and power of attorney generated in advance, and the insurance premium deposit account and the deposit deadline for depositing the expected premium in the insurance contract on the website for the subscriber, and notifies this fact to the subscriber's terminal. . In addition, the web server 110 provides a web site for the subscriber in a form in which the subscriber can digitally sign (eg, an accredited certificate, etc.) and attach accompanying documents.

When the subscriber signs the insurance contract and the power of attorney electronically and attaches other accompanying documents on the website for the subscriber, the website 110 receives the signed insurance contract and its accompanying documents (including the seal power of attorney), and the database 112 Save it to.

As previously described in <Subscription Review>, the web server 110 can display the results of the review on the web page for the subscriber. At this time, the web page for the subscriber may display the above insurance contract, power of attorney, insurance premium deposit account and The deposit deadline can be marked, and the above electronic signature and accompanying documents can be submitted.

<Insurance subscription function>

Upon receiving the seal insurance contract and its accompanying documents (including the seal power of attorney), the web server 110 performs an insurance subscription function.

When performing the insurance subscription function, the web server 110 first checks whether the expected premium has been deposited from the subscriber into the premium deposit account. And when the deposit is confirmed, the web server 110 transmits the seal insurance contract and its accompanying documents (including the seal power of attorney) stored in the database 112 to the insurance company server 140 operated by the insurance company, which is a brokerage company. Is a procedure for electronically requesting insurance subscription from an insurance company.

After the insurance subscription request, upon receiving the insurance premium deposit request and deposit account information from the insurance company server 140, the web server 110 transfers the estimated insurance premium received in advance to the above deposit account. Thereafter, when the insurance policy is received from the insurance company server 140, it is stored in the database 112 and electronically provided to the subscriber (in the form of providing the insurance policy through the subscriber's e-mail, the subscriber may use a web page for the subscriber). The form provided for download, etc.).

<Investment fund recruitment function>

When performing the insurance subscription function, the web server 110 performs a function of recruiting investment funds.

When performing the investment fund recruitment function, the web server 110 posts investment information including bond information, discount rate, funding investment, deadline for funding, and insurance certificates stored in the database 112 on a web page for posting.

Here, the discount rate was calculated in the <examination of subscription> and stored in the database 112. In addition, the recruitment investment is an amount (discounted) obtained by multiplying the par value of the transfer bond and the discount rate above, deducted from the par value of the transfer bond, and the web server 110 calculates it in advance and stores it in the database 112 or can be calculated immediately at this stage. . In addition, in some cases, the above recruitment investment may be determined by an intermediary company and stored in the database 112. The investment fund recruitment deadline may be designated by the web server 110 as the transfer deadline included in the subscription condition, a day before a preset number of days therefrom, or a date determined by an intermediary company and stored in the database 112.

Those who have read the investment conditions posted on the web page for posting above can request investment participation on the website, and the web server 110 then requests the investment participation, i.e., a virtual account to deposit the investment funds to the investor. Guide. When there are multiple investors, the web server 110 guides different virtual accounts for each investor. Here, the above virtual account is received by the web server 110 by requesting the financial institution server 160 operated by the cooperative financial institution whenever an investor occurs.

After creating the first virtual account, the web server 110 updates the total investments deposited in the virtual accounts in real time. In addition, when the total investment reaches the investment fund, the web server 110 posts the end of the investment fund recruitment on the web page for posting even before the fund recruitment deadline, and notifies the subscribers and investors by e-mail or their terminals.

On the other hand, there may be a case in which the total investment is less than the recruitment investment on the deadline for the investment fund recruitment. Then, the web server 110 may take various measures as follows.

First, the web server 110 may take measures to engage the brokerage company as an investor. In this case, the web server 110 opens a virtual account for depositing investment funds for the brokerage company, and transfers the unpaid amount from the dedicated account of the relay company to this virtual account, thereby terminating the investment fund. If this measure is taken, it is good for investors to make investments without a hitch, and for subscribers, it is good that the full face value of the transfer bond can be converted into cash at the desired time.

Next, the web server 110 may take measures to convert only a part of the face value of the transfer bond into cash. In this case, the web server 110 electronically notifies the subscriber of the shortfall, and electronically inquires the subscriber whether they agree to cash out the transfer bond only about the total investment amount, and electronically receives the subscriber's response to this inquiry. do.

With the consent of the subscriber, the web server 110 posts the end of the investment fund solicitation on the web page for posting, and electronically notifies this fact to the subscriber and investors. In this case, only a portion of the face value of the transfer bond will be converted into cash.

There may be no consent of the subscriber, but this situation means that the subscriber withdraws the subscription, and the entire process in the meantime will be returned to nothing. Therefore, if there is no consent of the subscriber, the web server 110 may take the first action above, that is, a measure to involve the brokerage company as an investor.

<Process after the end of the investment fund recruitment>

When the investment funding is completed, the transfer bond holder is changed. In this process, the subscriber endorses the transfer bonds to become the past holder, and the brokerage company takes over the transfer bonds and becomes the current holder. In addition, in this process, the web server 110 transfers the total investment money from the virtual accounts to the account of the subscriber after instantaneously passing through the account of the brokerage company.

If this condition persists and the transfer bond maturity date, the brokerage firm charges the initial issuer for the face value of the transfer bond. When the par value of the transfer bond is deposited from the initial issuer to the account of the brokerage company, the web server 110 divides the par value of the transfer bond to each investor's account according to the investment ratio and transfers the transfer.

When the first issuer fails to pay the par value of the transfer bond on the maturity date of the transfer bond, the web server 110 requests the insurance money (the par value of the transfer bond) to the insurance company server 140 and notifies the account to receive the insurance payment. do. Thereafter, when the insurance money is deposited into the insurance money receiving account, the web server 110 divides the insurance money to each investor's account according to the investment ratio and transfers the money.

The insurance company that paid the insurance money shall exercise the right to indemnify.At this time, the right to indemnity cannot be exercised to the intermediary company and the subscriber who is the policyholder, and can only exercise the right to indemnity to the past holders and first issuers who had trade receivables before the subscriber.

As described above, although the present invention has been described by a limited embodiment and drawings, the present invention is not limited thereto, and the technical idea of the present invention and the following by those of ordinary skill in the art to which the present invention pertains. It goes without saying that various modifications and variations may be made within the equivalent range of the claims to be described, and the above-described embodiments may be variously combined.

110: web server 112: database
120: subscriber terminal 130: investor terminal
140: insurance company server 150: credit information company server
160: financial institution server

Claims (8)

In a secure investment attraction type account receivable brokerage system including a web server connected to a communication network and operated by a brokerage company,
The web server,
Provides a web page for a subscriber to which a subscriber who intends to make an offer for transfer using all or part of the face value indicated on his or her trade receivables as a transfer bond, and through the web page for the subscriber, bond information and subscription terms for the transfer bond A subscription reception function receiving input;
An estimated insurance premium calculated using the credit information of the first issuer indicated on the transfer bond, the bond information, and the terms of subscription, the subscriber as the policyholder to pay the expected premium, and the insurance company as the insurer, and the par value of the transfer bond. An insurance contract generation function for generating an insurance contract that includes a content that is used as an insurance premium and that the brokerage company is an insurance claim and a recipient;
An insurance subscription function for transmitting the insurance contract and its annexed documents to the insurance company server operated by the insurance company, receiving the insurance certificate from the insurance company server, and providing the insurance policy to the subscriber; And
Investment information including the bond information, discount rate, investment fund raised, deadline for investment fund, and the insurance policy are posted on the web page for posting, and a virtual account to which the funded investment will be deposited is opened for each investor who requested the investment. An investment attraction-type account receivable brokerage system with safety including; an investment fund recruitment function that guides to and updates the total investments deposited in the virtual accounts in real time. The method of claim 1,
An investment-attracting trade receivable intermediary system with safety including the content that the subscriber entrusts the insurance subscription authority to the brokerage company and a seal power of attorney including the seal of the subscriber in the accompanying documents. The method of claim 2,
When the insurance contract generation function is performed, the web server also generates a power of attorney to be sealed by the subscriber. The method of claim 3,
The web server displays the insurance contract and power of attorney generated when performing the insurance contract creation function on the web page for the subscriber, and then receives the electronic signature from the subscriber, thereby obtaining the stamped insurance contract and the signed power of attorney. Investment attraction type accounts receivable brokerage system. The method of claim 2,
When performing the insurance subscription function, the web server transmits the stamped insurance contract and its accompanying documents after confirming that the predicted insurance premium has been deposited from the subscriber. The method of claim 1,
When performing the investment fund recruitment function, the web server posts the end of the investment fund recruitment on the posting webpage, even before the deadline for the fund raising, and notifies the subscriber and investor when the total investment reaches the fund raising fund. Equipped with an investment attraction type account receivable brokerage system. The method of claim 6,
If the total investment amount is less than the funding investment amount on the investment solicitation deadline, the web server opens a virtual account for depositing investment funds to participate in the brokerage company as an investor, and then uses the virtual account to be dedicated to the brokerage company. An investment-attracting trade receivable brokerage system with the safety of transferring the undervalued amount from the account. The method of claim 1,
If the face value of the transfer bond is not received from the initial issuer on the bond maturity date included in the bond information, the web server notifies the insurance claim account while claiming the insurance money to the insurance company server, and transfers received to the insurance claim account. An investment-attracting trade receivable brokerage system with safety that transfers the face value of the bond to the investors' accounts.

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