201126442 六、發明說明： 【發明所屬之技術領域】 本^明疋有關於一種降低有關金融風險管理之系統， 且特別疋有關於-種避免應㈣款重複轉讓及/或融資之 【先前技術】 •金貨L金融制度後，金錢的借貸是一項很常見的 所使用之借貸方式。應收帳款承講係指企業將除銷而形I 2應收帳放有條件地轉讓給專門的融資機構，用以使企業 得到所需資金，加強資金的周轉；應收帳款融資（或稱發票 融貝）係指企業將除銷而形成的應收帳款，以該應收帳款為 償債來源，向金融機構進行融資，用以使企業得到所需資 金，加，資金的周轉。應收帳款承購及/或融資可使企業藉 •由任何交易單據或憑證（如發票、訂貨單等）進行融資， 而不需提供擔保品。目前常見的應收帳款承購及/或融資之 形式包3·應收帳款抵押融資以及應收帳款承購融資。 應收帳款抵押融資係供貨企業以應收帳款債權作為抵 押^向融資機構融資，融資機構在向供貨或提供勞務的企 業融通資金後，若購貨方拒絕付款或無力付款，融資機構 可具有向供貨或提供勞務的企業要求償還融通資金的追索 權。 應收帳款承購融資係供貨或提供勞務的企業將應收帳 放債權轉讓給融資機構並通知買方直接付款給融資機構， 201126442 轉機構：為無追索權的承購與有追 …、追索權承購時，融資機構要承擔買方付款 風險。 而，f承作應收帳款承購及/或融資時，金融機構無 / ~同交易單據或憑證是否已向其他金融機構進行過 \如此一來，使得金融機構在承作應收帳款承購及/或 融資時得承受相當大的風險。 【發明内容】 、因此，本發明之一態樣是在提供一種避免應收帳款重 ^轉讓及/或融資之系統，用以II由判斷欲用以承購及/或融 資之應收帳款憑單之資訊是否已存於資料庫中，判斷同一 應收帳款憑單是否已在其他金融機構承購及/或融資過。避 免應收帳款重複轉讓及/或融資之系統包含數個金融機構 端伺服器以及一應收帳款訊息服務平台。應收帳款訊息服 務平台與金融機構端伺服器建立連結。每一金融機構端伺 服器包含一應收帳款憑單資料庫（含承購及/或融資應收帳 款憑單資料）。訊息服務平台包含一訊息接收模組、一訊息 廣播模組以及一訊息回覆模組。訊息接收模組自其中一個 金融機構端伺服器接收一查詢（欲承購及/或融資）訊息。 其中’此一查詢（欲承購及/或融資）訊息包含至少一查詢 (欲承購及/或融資）應收帳款憑單之資料。訊息廣播模組 廣播此查詢（欲承購及/或融資）應收帳款憑單之資料至其 他金融機構端伺服器。金融機構端伺服器判斷是否有一相 似應收帳款憑單相似於上述查詢（欲承購及/或融資）應收帳 201126442 款憑单之資料，已存於應收帳款憑單㈣庫中 隸帳款憑單已存於其應收帳款憑單·庫中之至Γ其中 二：:二t相似應收帳款憑單之資料之金融機構端伺服 /廄㈣^收帳款憑單之資料至應收帳款訊息服務平 i模组傳二:息服務平台在收到回傳之訊息時，訊息回201126442 VI. Description of the invention: [Technical field to which the invention pertains] This document relates to a system for reducing the management of financial risks, and particularly to the prior art of avoiding the transfer and/or financing of (4) • After the gold goods L financial system, money lending is a very common way of borrowing. Accounts receivable refers to the fact that the enterprise will transfer the conditional I 2 accounts receivable to a special financing institution to enable the enterprise to obtain the required funds and strengthen the turnover of funds; accounts receivable financing ( Or invoices, which refers to the accounts receivable formed by the enterprise, and use the accounts receivable as the source of repayment to finance the financial institutions to enable the enterprises to obtain the required funds, plus, and funds. turnover. Accounts receivable acquisition and/or financing allows companies to borrow from any transaction document or document (such as invoices, purchase orders, etc.) without the need to provide collateral. At present, the common forms of accounts receivable and/or financing include 3. Accounts receivable mortgage financing and accounts receivable financing. Accounts receivable mortgage financing is a supply company that uses the accounts receivable claims as collateral to finance the financing institution. After the financing institution has financed the supply or provision of labor, if the purchaser refuses to pay or is unable to pay, the financing The institution may have the right to reimburse the financing of the financing or supply of the enterprise. Accounts Receivable Financing is the enterprise that supplies or provides labor services. It transfers the accounts receivable and lending rights to the financing institution and informs the buyer to pay directly to the financing institution. 201126442 Transfer Agency: For the non-recourse acquisition and pursuit... When the right of recourse is taken, the financing institution shall bear the buyer's payment risk. However, when f is accepted as an account receivable and/or financing, the financial institution has not / has the transaction document or certificate been carried out to other financial institutions, so that the financial institution is in the accounts receivable There are considerable risks associated with acquiring and/or financing. SUMMARY OF THE INVENTION Accordingly, it is an aspect of the present invention to provide a system for avoiding the transfer and/or financing of receivables for use in determining receivables for use in acquisition and/or financing. Whether the information of the voucher has been stored in the database to determine whether the same account receivable voucher has been acquired and/or financed by other financial institutions. The system for avoiding duplicate transfers and/or financing of accounts receivable includes several financial institution servers and an account receivable message service platform. The Accounts Receivable Message Service Platform establishes a link with the financial institution's server. Each financial institution's server contains a database of accounts receivable voucher (including underwriting and/or financing receivable voucher information). The message service platform comprises a message receiving module, a message broadcast module and a message replying module. The message receiving module receives a query (to be acquired and/or financed) from one of the financial institution servers. The 'inquiry (for acquisition and/or financing) message contains at least one enquiry (for acquisition and/or financing) of the accounts receivable voucher. The Message Broadcasting Module broadcasts this inquiry (to be acquired and/or financed) to the information of the accounts receivable voucher to other financial institution servers. The financial institution server determines whether there is a similar account receivable voucher similar to the above inquiry (to be acquired and/or financed). The information of the account receivable 201126442 voucher is stored in the accounts receivable voucher (4) in the library. The voucher is deposited in the accounts receivable voucher/library to the second of them:: 2 t similar to the receivables voucher information of the financial institution side server / 廄 (4) ^ receipt voucher information to the accounts receivable Message service level i module pass two: the information service platform receives the message back, the message back
Hit—自及/或融f警示訊息至傳送查詢（欲承賭 及/或融資）訊息之金融機構端伺服器。 由上述本發明實施方式可知，應用本發明具有下列優 融避次免對已承購及/或融資過之應收帳款憑單重複承購及 3貝：如此-來，可減少對同-應收帳款憑單重複承購 链或融:貝所帶來之金融風險。此外，可藉由轉讓及/或融資 、=訊息之應收帳款憑單之資訊’作為是否對此應收帳款 &早進行承購及/或融資或可承購及/或可融資之額度。 【實施方式】 >第1圖，其繪示依照本發明一實施例的一種避 廡《^收，執重複轉讓及/或融資之系統之功能方塊圖。避免 :μ ί款重複轉讓及/或融資之系統藉由判斷欲用以承購及/ 一貝之應收帳款憑單之資訊是否已存於資料庫中，判斷 次應收帳款憑單是否已在其他金融機構銀行承購及/或融 舅過。 避免應收帳款重複轉讓及/或融資之系統包含應收帳款 服務平台100以及數個金融機構端伺服器300、 400、 λΛ ···、η00。應收帳款訊息服務平台1〇〇與各金融機構 司服器300、400、...、n00建立連結。其中，應收帳款 201126442 訊息服務平台100可透過一資料傳輸介面200與各金融機 構端伺服器300、400、…、n00建立連結。資料傳輸介面 200可為電子資料交換介面（Electronic Data Interchange， EDI)、網路介面或其他資料傳輸介面。此外，應收帳款訊 - 息服務平台100可安裝於金融機構端伺服器300、400、...、 n00以外之一訊息服務伺服器。另外，應收帳款訊息服務 平台100亦可安裝於分散式的安裝於金融機構端伺服器 300、400、...、n00，並不限於本實施例。 φ 各金融機構端伺服器3〇〇、400、…、n00分別包含一 應收帳款憑單資料庫310、410、...、η10，用以儲存應收帳 款憑單之資訊，如承購及/或融資之應收帳款憑單資料。應 收帳款訊息服務平台100包含一訊息接收模組110、一訊 息廣播模組120以及一訊息回覆模組130。訊息接收模組 U0自金融機構端伺服器300、400、…、n〇〇的其中之一接 收一查詢（欲承購及/或融資）訊息。換言之，在金融機構承 作一應收帳款承購及/或融資時，金融機構可透過其金融機 φ 構端伺服器傳送一查詢（欲承購及/或融資）訊息，以判斷欲 承購及/或融資用之應收帳款憑單是否已於其他金融機構 承購及/或融資過。其中，查詢訊息包含至少一查詢（欲承 購及/或融資）應收帳款憑單之資料。該查詢（欲承購及/ 或融資）應收帳款憑單可為訂單、交貨單、驗收單、發票 或其他可作為應收帳款承購及/或融資用之憑單。查詢（欲承 購及/或融資）訊息内之查詢（欲承購及/或融資）應收帳款 憑單資料可包含但不限於查詢（欲承購及/或融資）應收帳 款憑單之一供應商之資料、買方之資料、憑單號碼、產品 201126442 清單產品數量、日期（發票曰、到期曰、付款曰）、付款條 件、承購商（銀行）、發票幣別或金額等。供應商之資料可 包含但不限於供應商之統編、名稱或其他用以識別供應商 之資料，買方之資料可包含但不限於買方之統編、名稱或 其他用以識別買方之資料。 訊息廣播模組120廣播查詢訊息内之查詢（欲承購及/ 或融資）應收帳款憑單之資料至金融機構端伺服器300、 400、…、n00。接下來，金融機構端伺服器300、400、...、 • n㈧判斷欲融資應收帳款憑單之資料是否已存於應收帳款 憑單資料庫310、410、…、nlO中。各金融機構端伺服器 300、400、…、n00判斷是否有一相似應收帳款憑單相似於 所廣播之查詢（欲承購及/或融資）應收帳款憑單之資料，已 存於其應收帳款憑單資料庫310、410、…、nlO中。若有 相似應收帳款憑單已存於應收帳款憑單資料庫310、 410、…、nlO中之至少其中之一時，存有相似應收帳款憑 單之資料之金融機構端伺服器回傳一轉讓及/或融資回傳 • 訊息至應收帳款訊息服務平台1〇〇。其中，轉讓及/或融資 回傳訊息可包含相似於查詢（欲承購及/或融資）應收帳款憑 單之相似應收帳款憑單之資料，如其承購商、已融資金額 範圍或其他可分享給其他金融機構之已承購及/或融資應 收帳款憑單相關之資訊。此外’轉讓及/或融資回傳訊息可 進一步包含相似應收帳款憑單之其他資料，如相似應收帳 款憑單之一供應商之資料、買方之資料、憑單號碼、產品 清單 '產品數量、曰期（發票曰、到期曰、付款日）、付款 條件、發票幣別或金額等。其中，供應商之資料可包含但Hit—The financial institution server that sends and receives messages from the alert to the inquiring (for gambling and/or financing) messages. It can be seen from the above embodiments of the present invention that the application of the present invention has the following advantages: the repeated purchase of the account receivable voucher that has been acquired and/or financed and the 3 baht: The remittance voucher repeats the acquisition chain or the financial risk brought by Beckham. In addition, the information on the accounts receivable voucher can be transferred and/or financed, and the information can be used as an early acquisition and/or financing or can be acquired and/or financed. Amount. [Embodiment] FIG. 1 is a functional block diagram of a system for avoiding "receiving, transferring, and/or financing" according to an embodiment of the present invention. Avoid: μ μ 款 重复 转让 及 / 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复 重复Acquisition and/or financing at banks of other financial institutions. The system for avoiding duplicate transfer and/or financing of accounts receivable includes the accounts receivable service platform 100 and a plurality of financial institution end servers 300, 400, λΛ···, η00. The accounts receivable information service platform 1 establishes a connection with each financial institution server 300, 400, ..., n00. Among them, the accounts receivable 201126442 can provide a connection with the financial institution servers 300, 400, ..., n00 through a data transmission interface 200. The data transmission interface 200 can be an Electronic Data Interchange (EDI), a network interface or other data transmission interface. In addition, the receivables information service platform 100 can be installed on one of the financial institution server servers 300, 400, ..., n00. Further, the accounts receivable information service platform 100 may be installed in a decentralized manner installed on the financial institution side servers 300, 400, ..., n00, and is not limited to this embodiment. φ Each financial institution server 3〇〇, 400, ..., n00 respectively includes an accounts receivable voucher database 310, 410, ..., η10 for storing information of the accounts receivable voucher, such as acquisition And/or financing of accounts receivable voucher information. The receivables message service platform 100 includes a message receiving module 110, a message broadcast module 120, and a message replying module 130. The message receiving module U0 receives a query (to be acquired and/or financed) from one of the financial institution servers 300, 400, ..., n. In other words, when a financial institution undertakes an account receivable and/or financing, the financial institution can transmit a query (to be acquired and/or financed) through its financial machine's server to judge the desire Whether the accounts receivable voucher for purchase and/or financing has been acquired and/or financed by other financial institutions. The inquiry message contains at least one inquiry (to be purchased and/or financed) of the accounts receivable voucher. The inquiry (for acquisition and/or financing) of the accounts receivable voucher can be an order, delivery note, acceptance form, invoice or other vouchers that can be used for the acquisition and/or financing of accounts receivable. Enquiries (for acquisition and/or financing) inquiries (for acquisition and/or financing) of accounts receivable voucher information may include but are not limited to enquiries (to be acquired and/or financed) accounts receivable voucher Information of a supplier, buyer's information, voucher number, product 201126442 list product quantity, date (invoice 曰, maturity 曰, payment 曰), payment terms, purchaser (bank), invoice currency or amount. The supplier's information may include, but is not limited to, the supplier's editorial, name or other information used to identify the supplier. The buyer's information may include, but is not limited to, the buyer's editor, name or other information used to identify the buyer. The message broadcast module 120 broadcasts the information (in order to acquire and/or finance) the accounts receivable voucher in the inquiry message to the financial institution server 300, 400, ..., n00. Next, the financial institution server 300, 400, ..., n (8) determines whether the information of the account receivable voucher to be financed is already stored in the accounts receivable voucher database 310, 410, ..., nlO. Each financial institution server 300, 400, ..., n00 determines whether there is a similar account receivable voucher similar to the information of the broadcast inquiry (to be acquired and/or financed) of the accounts receivable voucher, which has been deposited in it. The receipt voucher database 310, 410, ..., nlO. If there is a similar account receivable voucher already stored in at least one of the accounts receivable voucher database 310, 410, ..., nlO, the financial institution end server return with the information of the similar accounts receivable voucher A transfer and/or financing backhaul • Message to the Accounts Receivable Message Service Platform 1〇〇. The transfer and/or financing return message may contain information similar to the similar receivables vouchers of the inquiry (to be acquired and/or financed) of the accounts receivable voucher, such as its underwriters, the amount of financing amount or other Information about the acquired and/or financing receivables vouchers that can be shared with other financial institutions. In addition, the 'transfer and/or financing return message may further include other information similar to the accounts receivable voucher, such as information on one of the suppliers of similar accounts receivable voucher, buyer's information, voucher number, product list' product quantity, Period (invoice, due date, payment date), payment terms, invoice currency or amount. Among them, the supplier's information can include but
UI 201126442 不限於供應商之統編、名稱或其他用以識別供應商之資 料。買方之資料可包含但不限於買方之統編、名稱或其他 用以識別買方之資料。 應收帳款訊息服務平台100在彙整收到所有金融機構 端伺服器回傳之相似應收帳款憑單（包含於上述之轉讓及/ 或融資回傳訊息）後或於收到轉讓及/或融資回傳訊息時， 其訊息回覆模組130傳送這些相似應收帳款憑單之資訊及 一轉讓及/或融資警示訊息至先前傳送查詢（欲承購及/或融 資）訊息之金融機構端伺服器。於是，先前傳送查詢訊息 之金融機構端伺服器便可藉由此轉讓及/或融資警示訊 息’而得知欲查詢之應收帳款憑單是否已承購及/或融資 過。金融機構端伺服器300、400、…、n00可藉由將查詢 (欲承購及/或融資）應收帳款憑單之資料與其資料庫中所 存有之資訊進行比對，而判斷是否有相似於查詢（欲承購UI 201126442 is not limited to the supplier's editor, name or other information used to identify the supplier. The buyer's information may include, but is not limited to, the buyer's editor, name or other information used to identify the buyer. The Receivables Information Service Platform 100 receives the similar receivable vouchers (included in the above-mentioned transfer and/or financing return messages) after receipt of all financial institution-side server returns, or upon receipt of the transfer and/or In the case of a Financing Return message, its message reply module 130 transmits the information of these similar accounts receivable voucher and a transfer and/or financing alert message to the financial institution's server that previously transmitted the inquiry (to be acquired and/or financed). Device. Thus, the financial institution server that previously transmitted the inquiry message can learn whether the account receivable voucher to be inquired has been acquired and/or financed by the transfer and/or financing of the alert message. The financial institution server 300, 400, ..., n00 can determine whether there is a similarity by comparing the information of the account receivable voucher for the inquiry (to be acquired and/or financed) with the information stored in the database. For inquiry (to be acquired
及/或融資）應收帳款憑單之相似應收帳款憑單已存於其資 料庫。因此，各金融機構端伺服器3〇〇、400、...、n00可 分別包含一處理元件320、420、..：1120,各處理元件32〇、 420、…、n20可分別包含一判斷模組32卜421、…、n21。 處理元件320、42G、...、n2G分別與同在—金融機構端祠 器300 400、…、n〇〇之應收帳款憑單資料庫31 〇、 、…、nlO電性連接。判斷模組321、42卜、n2i判 =疋否已有相似於查詢（欲承購及/或融資）應收帳款憑單之 貝料之相似應收帳款憑單，存於應收帳款憑單資料庫31〇、 41〇&、 、nl0中:在有相似之資料時，判定其應收帳款憑 貝平庫存有查詢（欲承購及/或融資）應收帳款憑單之相似 9 [.S1 201126442 資料。其中，判斷模組321、421、…、n21可藉由對資料 庫進行精確比對或模糊比對進行上述判斷之動作。 此外，金融機構端伺服器300、400、…、n〇〇可判斷 與查詢（欲承購及/或融資）應收帳款憑單相似之已承購及 /或融資應收帳款憑單之相似程度。因此，各處理元件320、 420、...、n20可分別包含一相似程度判斷模組322、422、...、 n22。相似程度判斷模組322、422、…、n22判斷查詢（欲 承購及/或融資）應收帳款憑單之資料，與應收帳款憑單資 φ 料庫310、410、…、nlO中相似應收帳款憑單之資料間的 一相似程度。接下來，相似程度判斷模組322、422、...、 n22登錄上述相似程度至轉讓及/或融資回傳訊息。如此〆 來，金融機構端伺服器便可依據相似程度，得知查詢（欲 承購及/或融資）應收帳款憑單之是否已承購及/或融資之相 關資訊’作為金融機構進行承購及/或融資之依據。 此外’應收帳款訊息服務平台1〇〇亦可搜尋與之建立 連結之資料庫。故，避免應收帳款重複轉讓及/或融資之系 • 統可包含另一應收帳款憑單資料庫150，與應收帳款訊息 服務平台100建立連結。於是，應收帳款訊息服務平台1〇〇 可判斷是否已有相似於查詢（欲承購及/或融資）應收帳款憑 單之資料之相似應收帳款憑單，存於所連結之應收帳款憑 單資料，150中。在有相似於查詢（欲承購及/或融資）應收 帳款憑單之資料之相似應收帳款憑單，存於應收帳款憑單 資料庫150中時，應收帳款訊息服務平台1〇〇判定所連結 之應收帳款憑單資料庫15〇存有相似應收帳款憑單，而^ 生轉讓及/或融資回傳訊息。該應收帳款憑單資料庫丨5〇之 201126442 資料收集，可於各金融機構3⑻、働、、_於登錄應 故帳款憑單時即同步將應收帳款憑單傳送至應收帳款訊息 服務平台100而加入所連結之應收帳款憑單資料庫15〇, 或於各金融機構300、400、…、n〇〇傳回轉讓及/或融資回 傳訊息之資料時加入。 另外，應收帳款訊息服務平台100亦可包含一判斷模 叙160或一相似程度判斷模組170。判斷模組16()判斷是 否已有相似於查詢（欲承購及/或融資）應收帳款憑單之資料 之相似應收帳款憑單，存於所連結之應收帳款憑單資料庫 中。在有相似之資料時，判定所連結之應收帳款憑單 資料庫150存有查詢(欲承購及/或融資)應收帳款憑單之相 似資料。其中，判斷模組150可藉由對資料庫進行精確比 辦或模糊比對進行上述判斷之動作。 相似程度判斷模組170判斷查詢（欲承購及/或融資） 應收帳款憑單之資料，與所連結之應收帳款憑單資料庫15〇 中相似應收帳款憑單之資料間的一相似程度。接下來，相 似程度判斷模組17〇登錄上述相似程度至轉讓及/或融資回 ，訊息。如此一來，金融機構端伺服器便可依據相似程度， 得知查詢（欲承購及/或融資）應收帳款憑單之是否已承購 及/或融資之相關資訊’作為金融機構進行承購及/或融資之 故據。 由上述本發明實施方式可知，應用本發明具有下列優 點。避免對已承購及/或融資過之應收帳款憑單重複承購及 /或融資。如此一來，可減少對同一應收帳款憑單重複承購 及/或融資所帶來之金融風險。此外，可藉由已融資之應收And/or financing) A similar receivable vouch for a receivables voucher is deposited in its database. Therefore, each of the financial institution server servers 3, 400, ..., n00 may include a processing component 320, 420, . . . , 1120, and each processing component 32〇, 420, . . . , n20 may respectively include a determination. The module 32 is 421, ..., n21. The processing elements 320, 42G, ..., n2G are electrically connected to the accounts receivable voucher databases 31 〇, ..., nlO, respectively, of the same-financial institution end devices 300 400, ..., n. Judgment module 321 , 42 , n2i = whether there is a similar account receivable voucher similar to the inquiry (to be acquired and / or financing) of the accounts receivable voucher, deposited in the accounts receivable voucher In the database 31〇, 41〇&, nl0: when there is similar information, it is judged that the accounts receivable are similar to the accounts receivable voucher (in order to acquire and/or finance). [.S1 201126442 Information. The judging modules 321, 421, ..., n21 can perform the above-mentioned judging action by performing an exact comparison or a fuzzy comparison on the database. In addition, the financial institution server 300, 400, ..., n can determine similarity to the acquired and/or financing receivable vouchers similar to the query (to be acquired and/or financed) the receivable vouchers degree. Therefore, each processing element 320, 420, ..., n20 may include a similarity degree determining module 322, 422, ..., n22, respectively. The similarity degree judging module 322, 422, ..., n22 judges the information of the account receivable voucher for the inquiry (to be acquired and/or financed), and is similar to the accounts receivable voucher φ material library 310, 410, ..., nlO A degree of similarity between the information on the accounts receivable voucher. Next, the similarity determination modules 322, 422, ..., n22 log in the above similarity to the transfer and/or financing return message. In this way, the financial institution server can learn from the financial institution whether the inquiry (for acquisition and/or financing) of the accounts receivable voucher has been acquired and/or financed based on the degree of similarity. Basis for purchase and / or financing. In addition, the 'Accounts Receivables Service Platform 1' can also search for a database of links to it. Therefore, the system for avoiding duplicate transfer and/or financing of accounts receivable can include another account receivable voucher database 150 to establish a connection with the accounts receivable information service platform 100. Therefore, the Accounts Receivables Service Platform 1 can determine whether there is a similar receivable vouchers similar to the information of the accounts receivable voucher (to be acquired and/or financed), which should be linked to Receivable voucher information, 150. Accounts Receivable Message Service Platform 1 is available in a receivables voucher similar to the information on the account receivable voucher similar to the enquiry (to be acquired and/or financed) in the Accounts Receivable Voucher Library 150 〇〇 The connected accounts voucher database 15 is linked to a similar receivable vouchers, and the transfer and/or financing returns information. The accounts receivable voucher database 2011 〇 2011 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 The service platform 100 joins the linked accounts receivable voucher database 15 or when each financial institution 300, 400, ..., n returns the information of the transfer and/or financing return message. In addition, the receivables message service platform 100 can also include a judgment pattern 160 or a similarity degree determination module 170. The judging module 16() determines whether there is a similar receivable voucher similar to the information of the query (to be acquired and/or financed) of the accounts receivable voucher, which is stored in the linked accounts receivable voucher database. . When there is similar information, it is determined that the linked accounts receivable voucher database 150 contains similar information for the inquiries (to be acquired and/or financed) of the accounts receivable voucher. The judging module 150 can perform the above-mentioned judging action by performing an exact comparison or a fuzzy comparison on the database. The similarity determination module 170 determines the information of the account receivable voucher for the inquiry (to be acquired and/or financed), and the information of the receivable vouchers similar to the information of the linked accounts receivable voucher database 15 similarity. Next, the similarity degree judging module 17 logs in the above similarity to the transfer and/or financing back, message. In this way, the financial institution server can learn from the financial institution whether the inquiry (for the acquisition and/or financing) of the accounts receivable voucher has been acquired and/or financed based on the degree of similarity. The basis for purchase and / or financing. It will be apparent from the above-described embodiments of the present invention that the application of the present invention has the following advantages. Avoid recurring acquisitions and/or financing of acquired and/or financed receivables vouchers. As a result, the financial risk of repeated acquisitions and/or financing of the same receivables voucher can be reduced. In addition, it can be financed by receivables
LSI 11 201126442 帳款憑單之資訊，作為是否對此應收帳款憑單進行承購及/ 或融負或可承購及/或可融資之額度。 雖然本發明已以實施方式揭露如上，然其並非用以限 定本發明’住何熟習此技藝者，在不脫離本發明之精神和 範圍内’當可作各種之更動與潤飾，因此本發明之保護範 圍當視後附之申請專利範圍所界定者為準。 【圖式簡單說明】 為讓本發明之上述和其他目的、特徵、優點與實施例 月巨更明顯易懂’所附圖式之說明如下： 第1圖繪示依照本發明一實施例的一種避免應收帳款 重複轉讓及/或融資之系統之功能方塊圖。 【主要元件符號說明】 100 110 120 130 200 300 應收帳款訊息服務平台320、420、...、n20 訊息接收模組 處理元件 160、321、42卜…、n21 : 判斷模組 170、322、422、…、n22 : 相似程度判斷模組 訊息廣播模組 訊息回覆模組 資料傳輸介面 400 n00 金融機構端伺服器 150 、 310 、 41〇 、、 • · · 應收帳放憑單資料庫LSI 11 201126442 Information on the account voucher as a measure of whether or not the account receivable voucher is underwritten and/or melted or can be acquired and/or financed. The present invention has been disclosed in the above embodiments, and it is not intended to limit the invention to those skilled in the art, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of protection is subject to the definition of the scope of the patent application attached. BRIEF DESCRIPTION OF THE DRAWINGS In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and easy to understand, the description of the drawings is as follows: FIG. 1 is a view showing an embodiment according to an embodiment of the present invention. A functional block diagram of a system that avoids duplicate transfers and/or financing of accounts receivable. [Description of main component symbols] 100 110 120 130 200 300 Accounts Receivable Message Service Platform 320, 420, ..., n20 Message receiving module processing elements 160, 321, 42..., n21: Judging modules 170, 322 , 422, ..., n22 : Similarity judgment module message broadcast module message reply module data transmission interface 400 n00 financial institution side server 150, 310, 41〇,, • · · · Receivables voucher database
nlOnlO
[S1 12[S1 12