KR20230030980A - Expense receipt management system for business agency service based on factoring business - Google Patents

Abstract

In accordance with the present invention, an expense receipt management system for providing a business agency service based on a factoring business, wherein the expense receipt management system is provided for a system for providing a business agency service based on a factoring business to collect and deliver a bond of a product seller in accordance with a bond transfer contract concluded between the product seller and a financial company in regard to a product provided by the product seller as well as to collect and deliver a monthly payment from a customer to the financial company, includes: an unpayment information calculation unit calculating unpaid expense information of the customer; an automatic payment information transmission unit transmitting automatic payment information to a preset automatic payment system in accordance with the unpaid expense information; and a call information transmission unit transmitting unpayment information guide call information to a preset call manager terminal when the unpayment is continued even after the transmission of the automatic payment information.

Description

Expense receipt management system for business agency service based on factoring business}

The present invention relates to a service technology related to a factoring business, and more particularly, to a cost collection management system required for a service for performing tasks based on a factoring business between a sales company and a financial company that sell products of various manufacturers.

In general, factoring is a system in which financial companies purchase trade receivables such as commercial bills or accounts receivable from companies and lend funds based on them. It was first introduced in the United States in the 1920s with the intention of assisting business activities by quickly converting trade receivables received instead of cash in exchange for commercial transactions.

Recently, credit card companies are pursuing a factoring business that purchases and securitizes installment receivables generated from rental or product installment sales for small and medium-sized businesses that lack financial power as a strategy to diversify their profits to defend their profitability, which has become weak due to lower commission rates for merchants. .

Meanwhile, in recent product transactions, the influence of sales companies that build independent sales platforms and sell products from various manufacturers is gradually increasing, and sales attempts by them of rental products are also increasing.

However, it is difficult for sellers to directly perform various tasks required for rental product sales, especially contract signing between product buyers, delivery of products, and cost collection. The rapid spread is limited.

Korean Registered Patent No. 10-1540612 (registration date 2015.07.24)

The present invention has been made to solve the above-mentioned conventional problems, and an object of the present invention is to provide a cost collection management system for a business agency service based on a factoring business that enables product sellers to support poor operation and management capabilities.

In order to achieve the above object, the cost collection management system for a business agency service based on a factoring business according to the present invention for achieving the above object is a product seller according to a receivable transfer contract concluded between the product seller and a financial company for a product provided by the product seller. Customer reception information including the name of the customer who wants to rent the product and customer terminal identification information from the terminal of the product seller in order to collect and deliver the receivables to the financial institution, as well as collect monthly payments from the customer and deliver them to the financial institution. a customer reception processing unit for receiving input and storing it in a storage unit; Transmit product contract information including the rental period and rental amount for the product to the customer terminal, receive product contract information including customer identification information to rent the product from the customer terminal, store it in the storage unit, and store the product a contract processing unit that transmits contract information to the product seller terminal; a delivery processing unit for receiving and storing delivery completion information for a delivery completed product in a storage unit; a bond purchase processing unit that generates and stores bond purchase information including the delivery completion information and product contract information in a storage unit, and transmits the bond purchase information to a financial company terminal; a payment processing unit for receiving payment information according to bond purchase from the financial company terminal and storing it in a storage unit; Providing business agency service based on factoring business including a debt collection processing unit that receives cost payment information including the rental amount deposited monthly by customers from the payment gateway, stores it in a storage unit, and transmits the cost payment information to the financial institution terminal As a cost collection management system for the system,

an unpaid information calculating unit for calculating non-payment information of the customer from the payment information; an automatic payment information transmission unit for transmitting automatic payment information to a preset automatic payment system according to the non-payment information; and a call information transmission unit for transmitting call information for guiding unpaid information to a preset call manager terminal when nonpayment is maintained even after the transmission of the automatic payment information.

The method may further include a URL sending unit for sending a URL for automatic payment to the customer terminal when non-payment is maintained even after the unpaid information guidance call information is transmitted.

In addition, the call information transmission unit may further transmit the unpaid information guidance call information when sending the URL.

In addition, if non-payment is maintained even after sending the URL, the highest document notification unit for notifying the customer terminal of the highest document may be further included.

In addition, if non-payment is maintained even after the notification of the written notice, a guarantee insurance processing information transmission unit for transmitting guarantee insurance processing information for non-payment of the cost of the customer to a preset guarantee insurance company terminal may be further included.

According to the present invention, a business agency service providing system based on factoring business can be implemented including an operating platform capable of providing necessary business for financial companies and product sellers.

In addition, the seller of the product does not need to use a separate rental agency and does not need to separately hire employees who handle sales, installment contracts, storage, and customer management including personal information security.

1 is a schematic block diagram showing an All-in-one platform structure according to an embodiment of the present invention.
Figure 2 is a view showing the state of use of the business agency service system based on the factoring business according to the present invention.
3 is a detailed configuration diagram of the business agency service providing system of FIG. 2;
4 is a view for explaining a product delivery process in an example in which a product seller directly installs a product;
Figure 5 is a schematic block diagram of a cost collection management system for providing business agency services based on factoring business according to an embodiment of the present invention.
6 is a diagram illustrating a cost management process in a simple notification period performed in the cost collection management system of FIG. 5;
7 and 8 are diagrams illustrating a cost management process in the centralized management period performed in the cost collection management system of FIG. 5 in the case of prepayment of rental fee and postpayment of rental fee, respectively.
9 and 10 are diagrams illustrating a cost management process in a loss processing section performed by the cost collection management system of FIG. 5 in case of prepayment of rental fee and postpayment of rental fee, respectively.

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

Terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic block diagram showing an All-in-one platform structure according to an embodiment of the present invention. Referring to FIG. 1, the factoring business structure according to the present invention concludes a rental / installment factoring contract including a receivable transfer contract between a product seller and a financial company, and a delegation contract for business agency between the product seller and the business agency service provider to conclude Of course, delegation contracts for bond purchase and bond collection are also concluded between the business agency service provider and the financial company.

The product seller agrees to provide rental bonds or installment sales bonds for the product to the financial company according to the bond transfer agreement, and the financial company pays the product seller the product price according to the bond purchase. A business agency service provider is an entrusted contractor for business agency work with a product seller and a financial company, and collects product rental receivables or installment sales receivables from each affiliate and delivers them to the financial company according to the receivable transfer contract concluded between the product seller and the financial company. In addition, it collects monthly payments from customers and delivers them to financial institutions.

Product sellers are entities that sell items suitable for regular rental or installment sales, such as furniture such as beds and massage chairs, refrigerators, washing machines, TVs, photocopiers, water purifiers, smartphones, monitors, and screens. may be a vendor. A financial institution may be a capital, a credit card company, or a bank. Here, the bank can be, for example, an Internet bank such as Kakao Bank.

Business agency service providers perform tasks related to customer reception, rental/installment contract conclusion, bond purchase and bond management, payment collection and overdue management. The work of the agency service provider is determined according to the delegation contract with the product seller, and product sales marketing support is possible if necessary for the factoring business.

Since the collection work related to the delinquency of debts to other companies can only be done by licensed business operators registered as lending and collection businesses, the business agency service provider can obtain permission and act on behalf of the delinquency and collection business, and the business agency service provider can If you do not obtain the information, you can use a third-party collection agency licensed for collection work, but obtain only information on the progress of delinquency and collection work by linking mutual computers and provide it to the financial company.

Business agency service providers have excellent personal information protection capabilities, excellent ability to use system character supplementation, IP security, and VAN encryption that can be linked to financial institutions, excellent network and server access control and computer operation technology, and debt management and debt collection (i.e. , Recovery of normal receivables that are not overdue) Must be a person with excellent ability. To this end, the agency service provider needs to make a database of information that can identify the credit rating of each customer, the possibility of overdue by customer, the possibility of overdue by product type, and the possibility of overdue by product price, and use it for receivable management.

In fact, when a financial company signs a receivables transfer contract with a product seller, it only evaluates matters related to the product seller's business capability and credit rating, and other than that, customer reception, rental/installment contract conclusion, receivable purchase and receivable management, payment collection and Only the agency service provider needs to be evaluated for the business capability related to delinquency management.

2 is a diagram showing a state of use of a business agency service system based on a factoring business according to the present invention, and FIG. 3 is a detailed configuration diagram of the business agency service providing system of FIG. 2 .

The business agency service system based on the factoring business according to the present invention includes a customer terminal 150, a product seller terminal 410, a business agency service providing system 420, a financial company terminal 430, a call center 440, and a payment gateway 450. ).

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

The product seller terminal 410 is a terminal used by a product seller who has entered into a bond transfer contract with a financial company with installment receivables generated as a result of renting or selling products to customers. The product seller provides product contract information including the rental period and rental amount of the product or the installment period and installment amount according to product purchase from the business agency service providing system 420 and customer identification information that wants to rent or purchase the product in installments can be checked through the product seller terminal 410 .

The business agency service providing system 420 may generate bond purchase information including delivery completion information and product contract information and transmit it to the product sales company terminal 410 and the financial company terminal 430 . Then, the financial company terminal 430 deposits the price according to the bond purchase to the product seller, and transmits the product seller payment information to the business agency service providing system 420 . The agency service provider collects the monthly payment for installment receivables from the customer and delivers it to the financial institution.

The financial company terminal 430 receives the rental amount or installment amount deposited monthly by the customer through the payment gateway 450 linked with the business agency service providing system 420 . The payment gateway 450 transmits cost deposit information including the rental amount or installment amount that the customer deposits monthly to the business agency service providing system 420 . Then, the business agency service providing system 420 stores the cost deposit information including the rental amount or installment amount that the customer deposits to the financial company every month in a storage unit, and transmits the cost payment information to the financial company terminal 430 .

Alternatively, the rental amount or installment amount may be deposited once through the payment gateway 450 to the agency service company, and then the rental amount or installment amount may be remitted from the agency service company to the financial company. In this case, the process of storing the cost payment information in the storage unit and transmitting the information to the financial institution terminal 430 in the business agency service providing system 420 is performed in the same way.

The call center 440 uses the customer's name and customer terminal identification information to purchase the product of the product seller by rental or installment, and directs a counselor to guide the product purchase intention and documents related to product sales through a direct voice call with the customer. consists of including The call center 440 may be implemented in a plurality in the form of an agency service company's own call center or an external affiliated call center, and accesses the server provided by the agency service providing system 420 to provide information necessary for work, such as the rental period for products and product contract information including the rental amount or installment period and installment amount according to product purchase is transmitted to the customer terminal 150 . The call center 440 may record and store information input from the customer terminal 150 , for example, the customer's purchasing intention confirmation voice. Product contract information may include, for example, an electronic document image including a credit inquiry agreement, a contract, a personal information collection agreement, a terms and conditions agreement, or a direct debit agreement.

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

Describing the configuration of the business agency service providing system 420, the business agency service providing system 420 is accessible through a wired/wireless communication network and includes an output device such as an LCD/LED monitor and an input unit including a mouse, keyboard, touch screen, and the like. , and a server including data and an execution program and a control unit that executes the program.

As shown in FIG. 3, in one embodiment, the business agency service providing system 420 includes a customer reception processing unit 421, a contract processing unit 422, and a storage unit 423 according to functions for processing business agency services. ), a delivery processing unit 424, a bond purchase processing unit 425, a payment processing unit 426, and a bond collection processing unit 427.

The customer reception processing unit 421 receives customer reception information including the name of a customer who wants to purchase a product from a product seller by rental or installment payment and customer terminal identification information, and stores it in the storage unit 423 .

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

The contract processing unit 422 transmits product contract information including customer identification information to the seller terminal 410 . The contract processing unit 422 receives the customer's credit inquiry information requested by an external professional institution from the credit information providing terminal and stores it in the storage unit 423 . The contract processing unit 422 compares the customer's credit inquiry information with a preset product sales policy for each affiliate to determine whether to sell the product to the customer, and stores the result in the storage unit 423 . Product sales policies for each affiliate include customer credit information, product sales price, etc., and can be changed according to the affiliate's intention, season, or sales policy according to product inventory.

The contract processing unit 422 receives product contract cancellation information from the customer terminal 150 or the call center 440 and stores it in the storage unit 423 . The contract processing unit 422 transmits product contract cancellation information to the affiliate terminal 410 . Product contract cancellation information is subdivided and managed in several stages, such as when the call center 440 calls for contract conclusion, before product delivery, or after product delivery.

The delivery processing unit 424 receives delivery completion information about the delivered product and stores it in the storage unit 423 . The delivery completion information may include the delivery person's name, delivery time and date, customer's name, and delivery product information.

Delivery of products may be performed by product sellers, and may also be performed by agency service providers or product manufacturers. In the case of delivery by the product seller, the delivery processing unit 424 may receive delivery completion information from the product seller terminal 410 .

If this is performed by an agency service provider or a product manufacturer, the delivery processing unit 424 may check the delivery point of the product and request delivery of the product to the delivery company terminal. In this case, the delivery processing unit 424 may receive delivery completion information from the terminal of the product installer and transmit the received delivery completion information to the product seller terminal 410 . 4 is a diagram for explaining a product delivery process in an example in which a product seller directly installs a product.

The receivable purchase processing unit 425 generates and stores receivable purchase information for each affiliate, including delivery completion information, customer identification information for renting or purchasing products in installments, and product contract information, and storing them in the storage unit 423 . The bond purchase processing unit 425 transmits bond purchase information for each affiliate to the financial company terminal 430 . The payment processing unit 426 receives payment information for each affiliate according to bond purchase from the financial company terminal 430 and stores it in the storage unit 423 .

The receivables collection processing unit 427 receives cost payment information including the rental amount or installment amount that the customer deposits monthly from the payment gateway 450 and stores it in the storage unit 423 . The receivables collection processing unit 427 transmits, to the financial company terminal 430 , cost deposit information including the rental amount or installment amount that the customer deposits monthly.

On the other hand, the cost collection management system for the agency service based on the factoring business according to an embodiment of the present invention includes an unpaid information calculation unit 210, an automatic payment information transmission unit 220, a call information transmission unit 230, It includes a top written notification unit 240, a URL sending unit 250, and a guarantee insurance processing information transmission unit 260. 5 is a schematic block diagram of a cost collection management system for providing a business agency service based on a factoring business according to an embodiment of the present invention.

The cost collection management system will generally be implemented as one module of the business agency service providing system 420, but may be implemented as a separate system to communicate with and operate with the business agency service providing system 420.

The non-payment information calculation unit 210 calculates the customer's non-payment information from the cost payment information for the monthly deposit of the customer. In this case, the cost includes a rental fee, and the rental fee may be deposited in a prepaid or postpaid manner.

The prepayment method is a method of making the first payment when drafting an LMS contract before supplying goods. It has the advantage of being able to prevent false and illegal (gang, identity theft, etc.) contracts and quickly recovering the principal due to the first payment. There are disadvantages in that there is a risk of dissatisfaction with the payment before receiving the supply, and there is a risk of re-payment manual work when issuing an affiliated card or changing product information.

On the other hand, the deferred payment method is a method in which the first payment is made at the time of supplying goods or after supply, and has the advantage that there is no initial charge and that a number of contracts are feasible, but the late payment increases the delinquency rate and workload and false and illegal ( Kkang, identity theft, etc.) has the disadvantage that it takes M+1 to contract.

Overall, (1) pre-payment of rental fees requires less management personnel than post-payment, and is more efficient in terms of managing delinquency rates and recovering principal, and (2) socially durable illegal loans using rental/installment products. Although this is increasing, when using the rental fee prepayment system, the initial charge is required, so the actual user-oriented contract rate is high, and many card users use the card payment alarm service through SMS/KakaoTalk when paying by card. (3) Overall, the downside risks of prepayment of rental fees have the advantage of offsetting social issues and business problems, so prepayment of rental fees is judged to be a more efficient operation.

The automatic payment information transmission unit 220 transmits the automatic payment information to a preset automatic payment system according to the non-payment information, and the call information transmission unit 230, when non-payment is maintained even after the automatic payment information is transmitted, the preset call manager terminal Sends unpaid information call information to

6 is a diagram illustrating a cost management process in a simple notice period performed in the cost collection management system of FIG. 5 . The simple notice period is a period provided only to customers who prepaid the rental fee, that is, customers who paid for the first round (first round) at the time of writing the LMS contract before receiving goods. Since the first payment is made before receiving the contracted product, it is not classified as an overdue customer until the end of the current month.

In the case of initial non-payment, automatic payment is attempted (eg, 3 times a day), and when 15 days have elapsed, a simple notification is performed by delivering an information call for non-payment. Notifications are provided by simple guidance or SMS/LMS, etc., and simple guidance on the reason for non-payment and future overdue risk management can be provided.

The URL sending unit 250 sends a URL for automatic payment to the customer terminal when non-payment is maintained even after the transmission of the unpaid information guidance call information, and the call information transmission unit 230 transmits the unpaid information guidance call information along with the URL transmission. It may further transmit to the terminal of the person in charge. In addition, the highest document notification unit 240 notifies the customer terminal of the highest document when non-payment is maintained even after sending the URL.

7 and 8 are diagrams illustrating a cost management process in the centralized management period performed by the cost collection management system of FIG. 5 in case of prepayment of rental fee and postpayment of rental fee, respectively. In the intensive management period, immediate management is performed in case of non-payment as of the regular payment date (09:00), and intensive management is carried out sequentially by applying the D+0 day standard (automatic payment + call + LMS/SMS, etc.).

As shown in FIGS. 7 and 8 , during the intensive management period, call information for providing information on non-payment may be transmitted multiple times according to the number of non-payments, and information on non-payment may be provided multiple times (for example, 1.5 times a week) for the same number of non-payments. Call information can be transmitted. Finally, if non-payment is maintained even after the final transmission, the highest written notification unit 240 may transmit the highest written information to the customer terminal.

The guarantee insurance processing information transmission unit 260 transmits the guarantee insurance processing information for non-payment of expenses of the customer to a preset guarantee insurance company terminal when non-payment is maintained even after notification of the written notice. 9 and 10 are diagrams illustrating a cost management process in a loss processing section performed by the cost collection management system of FIG. 5 in the case of prepayment of rental fee and postpayment of rental fee, respectively.

Non-payment is resolved in the form of payment of unpaid amount or loss of profit by the deadline (full payment of remaining rental fee), and even if non-payment is resolved in the loss handling section, the effect of the supreme written statement is maintained, and customers are a group of defective customers with a high possibility of potential overdue can be classified as

Guarantee insurance loss processing can be performed when non-payment is maintained for more than a preset number of times during the intensive management period (for example, 6 cumulative delinquency in the case of rental prepayment, 5 cumulative delinquency in the case of rental late payment), and guarantee insurance The sale of bonds may proceed.

To this end, as shown in FIG. 1, the financial company must be subscribed to non-performing loan guarantee insurance in advance, and the guarantee insurance processing information transmission unit 260 sends the guarantee insurance company terminal through the business agency service system 420. Processing information can be transmitted.

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

Claims (5)

In order to collect and deliver the receivables of the product seller to the financial company according to the receivables transfer agreement concluded between the product seller and the financial company for the product provided by the product seller, and to collect monthly payment from the customer and deliver it to the financial company,
a customer reception processing unit for receiving and storing customer reception information including a name of a customer who wants to rent the product and customer terminal identification information from a product seller's terminal and storing it in a storage unit;
Transmit product contract information including the rental period and rental amount for the product to the customer terminal, receive product contract information including customer identification information to rent the product from the customer terminal, store it in the storage unit, and store the product a contract processing unit that transmits contract information to the product seller terminal;
a delivery processing unit for receiving and storing delivery completion information for a delivery completed product in a storage unit;
a bond purchase processing unit that generates and stores bond purchase information including the delivery completion information and product contract information in a storage unit, and transmits the bond purchase information to a financial company terminal;
a payment processing unit for receiving payment information according to bond purchase from the financial company terminal and storing it in a storage unit;
Providing business agency service based on factoring business including a debt collection processing unit that receives cost payment information including the rental amount deposited monthly by customers from the payment gateway, stores it in a storage unit, and transmits the cost payment information to the financial institution terminal As a cost collection management system for the system,
an unpaid information calculation unit for calculating non-payment information of the customer from the payment information;
an automatic payment information transmission unit for transmitting automatic payment information to a preset automatic payment system according to the non-payment information; and
A cost collection management system for a business agency service based on a factoring business comprising a call information transmission unit for transmitting call information for information on unpaid information to a preset call manager terminal when non-payment is maintained even after the transmission of the automatic payment information.
The method of claim 1,
A cost collection management system for a business agency service based on a factoring business, further comprising a URL sending unit for sending a URL for automatic payment to the customer terminal when non-payment is maintained even after the transmission of the unpaid information guidance call information.
The method of claim 2,
The cost collection management system for a business agency service based on a factoring business, characterized in that the call information transmission unit further transmits the unpaid information guidance call information when sending the URL.
The method of claim 3,
If non-payment is maintained even after sending the URL, the cost collection management system for a business agency service based on the factoring business, characterized in that it further comprises a highest document notification unit for notifying the highest document to the customer terminal.
The method of claim 4,
If non-payment is maintained even after the notification of the highest written notice, a guarantee insurance processing information transmission unit for transmitting guarantee insurance processing information for non-payment of the customer's cost to a preset guarantee insurance company terminal. A cost collection management system for services.

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