WO2021006469A1

WO2021006469A1 - Device for providing work agency service on basis of factoring business

Info

Publication number: WO2021006469A1
Application number: PCT/KR2020/005993
Authority: WO
Inventors: 강철
Original assignee: 주식회사 스마트삼육
Priority date: 2019-07-09
Filing date: 2020-05-07
Publication date: 2021-01-14
Also published as: JP2022531632A; KR102276128B1; JP7138996B2; KR20210006742A

Abstract

A device for providing a work agency service on the basis of a factoring business according to the present invention is implemented including an operating platform capable of providing necessary work for a financial company and a factoring business partner (affiliate). Therefore, the financial company can check a work status, for example, product sales performance for each client inflow channel, statistical information of a sales volume, a payment rate and delinquency rate of payables, etc., of the factoring business partner (affiliates) in real time, and thus risks and profits for the factoring business can be predicted in advance. The factoring business partner (affiliate) does not need to use a rental agency and does not need to hire a separate employee who handles work on sales, installment contracts, payments, client management including personal information security, and the like. In addition, the factoring business partner (affiliate) can increase effects of work synergy, for example, sales performance and fund circulation improvement and business stability, by combining a credit rating and work agency capability of a business carrier providing a work agency service.

Description

Device for providing business agency service based on factoring business

The present invention relates to an apparatus for providing a business agency service based on a factoring business, and more specifically, a financial company can stably increase the number of factoring business partners (affiliates) and check the business status of the factoring business partners (affiliates) in real time. It relates to a device for providing a business agency service based on a factoring business that enables the risk and profits of the factoring business to be predicted in advance.

In general, factoring is a system in which financial companies purchase trade receivables such as commercial papers or accounts receivable from companies and loan funds based on them. It was first introduced in the United States in the 1920s with the aim of helping businesses quickly convert accounts receivables received in exchange for cash in exchange for commerce. The loan limit can be up to 100% of the face value of the purchase receivable, but it may be slightly lowered depending on the size of sales or creditworthiness of the company.

Recently, as a strategy to diversify profits to defend against profitability weakened by a cut in the commission rate of affiliate stores, card companies are pursuing a factoring business that purchases and securitizes installment bonds arising from rentals or installment sales of goods for small and medium-sized businesses with insufficient funds. .

Meanwhile, manufacturers who want to sell products for rental or installment have used offline stores or sales agencies that have online or TV home shopping channels. However, manufacturers are not aware of 100% sales even if they actually sell products because the cost to these sales agencies is high, and there is a difficulty in organizing a dedicated manpower for debt collection and delinquency management after sales.

Accordingly, financial companies (e.g., credit card companies) that want to pursue a factoring business that purchases and securitizes installment bonds arising from rental or installment sales of goods, must find a factoring business partner (affiliate) that can stably operate the factoring business. However, it is not easy for a financial company to find a factoring business partner (affiliate) that can solve the debt management risk.

As shown in FIG. 1, a financial company may enter into a factoring contract with a plurality of affiliates (manufacturers or sales agencies) to purchase and liquidize bonds generated by rental or installment sales of goods. However, this structure is entirely dependent on the sales power of the affiliates, so it is difficult for financial companies to have confidence that the factoring business can continue smoothly, and in addition, it is difficult to grasp the status of the bond collection and risks performed by the affiliates. There is a problem that it is difficult to predict

In order to solve these problems, the present invention supports the operation and management capabilities that the affiliates lack, and the financial company can check the business status of the factoring business partner (affiliate) in real time, so that the risk and profit for the factoring business can be predicted in advance. Haeju provides a business agency service providing device based on a factoring business.

In addition, the present invention provides an apparatus for providing a business agency service based on a factoring business that can easily and conveniently provide necessary information to financial companies and affiliates by unifying a management system for a factoring business business for a plurality of affiliates.

The device for providing a business agency service based on a factoring business according to the present invention collects and delivers the bonds of each affiliate according to the bond transfer agreement concluded between a plurality of affiliates and a financial company, and collects monthly payments from customers to a financial company. It is a device for providing business agency services that are delivered to

A customer reception processing unit for receiving customer reception information including a name of a customer who wishes to purchase a product of the affiliated company through a rental or installment payment from a customer inflow channel for product sales of the affiliated company and storing it in a storage unit;

Products that include product contract information including the rental period and rental amount for the product, or the installment period and installment amount for the product to the customer terminal, and to rent the product from the customer terminal or purchase in installments. A contract processing unit that receives contract information, stores it in a storage unit, and transmits the product contract information to an affiliate terminal;

A delivery confirmation processing unit for receiving delivery completion information on the delivery completed product from the partner terminal and storing it in a storage unit; A bond purchase processing unit for generating and storing bond purchase information for each affiliate, including the delivery completion information and product contract information, in a storage unit, and transmitting the bond purchase information for each affiliate to a financial company terminal; A payment processing unit for receiving payment information for each affiliate according to bond purchase from a financial institution terminal and storing it in a storage unit; It includes a receivable collection processing unit that receives payment information including the rental amount or installment amount that the customer deposits monthly from the payment gateway, stores it in a storage unit, and transmits the payment information to a financial institution terminal.

As a prerequisite of the present invention, affiliates provide rental bonds or installment sales bonds for products to financial companies, financial companies also contract for the transfer of bonds to pay product prices for bond purchases to affiliates, and business agency service providers are affiliates and A delegation contract is needed with financial companies to handle customer acceptance, rental/installation contracts, bond purchase and bond management, payment collection and overdue management.

In the apparatus for providing a business agency service based on the factoring business according to the present invention, the contract processing unit stores the customer's credit inquiry information input from the credit information providing terminal in a storage unit, and the customer's credit inquiry information and a preset product sales policy for each affiliate It is implemented to compare the values to determine whether to sell the product to the customer and store the result in the storage unit.

In the apparatus for providing a business agency service based on the factoring business according to the present invention, the contract processing unit receives product contract cancellation information from a customer terminal or a call center, stores it in a storage unit, and transmits the product contract cancellation information to an affiliate terminal. Product contract cancellation information is subdivided and managed in several stages, such as when the call center calls for contract signing, before product delivery, or after product delivery.

The apparatus for providing a business agency service based on the factoring business according to the present invention includes a call distribution processing unit that generates a plurality of call information including customer reception information and call center identification information and stores it in a storage unit, and sells from bond purchase information for each affiliate. It is implemented further comprising a status analysis processing unit that calculates the amount and the number of sales, and calculates the settlement rate using the settlement amount subtracted by the settlement rate from the sales amount and the payment information for each affiliate.

As described above, the device for providing a business agency service based on a factoring business according to the present invention includes an operating platform capable of providing necessary business for a financial company and a factoring business partner (affiliate), thereby enabling a financial company to be a factoring business partner ( Business status of affiliates), for example, product sales performance by customer inflow channel, sales volume statistical information, payment rate and delinquency rate of purchased receivables, etc. can be checked in real time, allowing you to predict risk and profits for the factoring business in advance.

On the other hand, factoring business partners (affiliates) do not need to use a rental agency and do not need to hire a separate employee who handles sales, installment contracts, payments, and customer management tasks including personal information security. In addition, factoring business partners (affiliates) can increase the effectiveness of business synergies, such as improving sales performance and fund circulation, and enhancing the stability of the business by combining the creditworthiness and business agency capability of a business agency providing business agency services.

1 is an exemplary diagram illustrating a rental/installation factoring business between a financial company and an affiliated company.

2 is an exemplary diagram for explaining the structure of a factoring business according to the present invention.

3 is a block diagram of a business agency service system based on a factoring business according to the present invention.

4 is a block diagram of an apparatus for providing a service agency service based on a factoring business according to the present invention.

5 is a detailed configuration diagram of a status analysis processing unit of an apparatus for providing a service agent service based on a factoring business according to the present invention.

6 is an exemplary diagram for explaining an additional configuration of an apparatus for providing a service agency service based on a factoring business according to the present invention.

7 to 9 are exemplary views for explaining the analysis content provided by the apparatus for providing a service agency service based on a factoring business according to the present invention.

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

The 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 indicates otherwise. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

For the factoring business structure according to the present invention, referring to FIG. 2, a rental/installment factoring contract including a bond transfer contract is concluded between an affiliate and a financial company, and a delegation contract is concluded between an affiliate and a business agency service provider. . Of course, a delegation contract for the purchase and collection of bonds is also signed between the service provider and the financial company.

Affiliates agree to provide rental bonds or installment sales bonds for products to financial companies in accordance with the bond transfer agreement, and the financial companies pay the product price for purchase of bonds to the affiliates. A business agency service provider is a contractor for business agency with affiliates and financial companies, and collects and delivers product rental bonds or installment sales bonds of each affiliate according to the bond transfer agreement concluded between multiple affiliates and financial companies. In addition, monthly payments are collected from customers and delivered to financial companies.

Affiliates may be manufacturers that manufacture furniture such as beds and massage chairs, refrigerators, washing machines, TVs, photocopiers, water purifiers, smartphones, monitors, screens, etc., suitable for general rental or installment sales, or a funeral service provider. , It may be an insurance company that handles funeral and life insurance, it may be a supply company that regularly supplies goods to department stores or large discount marts, or it may be a sales agency such as a home appliance store. The financial company can be a capital, a credit card company, or a bank. Here, banks can also be internet banks like Kakao Bank, for example.

Service providers are responsible for customer reception, rental/installation contracts, 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 affiliate, and it is possible to support product sales and marketing if necessary for the factoring business.

Since collection services related to delinquency of bonds to other companies are only available to licensed businesses registered for loan business and collection business, a business agency service provider may obtain permission to perform delinquency and collection work, or business agency service provider permits If it is not possible to obtain a collection service, a third collection agency licensed for collection business may be used, but only information on the progress of delinquency and collection business may be obtained and provided to a financial company through mutual computer interworking. Hereinafter, in the present invention, the term delinquency management means managing information on the progress of delinquency and debt collection, and whether the business agent additionally proceeds with the collection business such as calling for delinquency and debt collection. Whether or not.

The important point is that the service provider of the business agency has excellent personal information protection ability, system text supplementation, IP security, VAN encryption capability that can be linked to financial companies, network and server access control and computer operation technology are excellent, and bond management and You must be a person who has excellent ability to collect bonds (i.e., for normal bonds not overdue). To this end, it is necessary for the service provider to establish a database of information that can grasp each customer's creditworthiness, delinquency per customer, delinquency per product type, and delinquency per product price, and use it for debt management.

In fact, when a financial company enters into a bond transfer contract with an affiliate, it only evaluates matters related to the affiliate's product manufacturing capacity, production capacity, and creditworthiness.In addition, other customer acceptance, rental/installment contracts, bond purchase and bond management, and payment The work ability for collection and overdue management only needs to be evaluated by the service provider. Accordingly, it is convenient for financial companies to do business one-on-one with a business agency service provider no matter how many affiliates increase. In addition, financial companies can check the business status of multiple factoring business partners (affiliates) in real time, for example, product sales performance by customer inflow channel, sales volume statistical information, payment rate and delinquency rate of purchased receivables in real time. You can predict risks and returns in advance.

Typically, financial companies that want to earn profits through rental/installment factoring business want to find many affiliates. This is also the case for business agency service providers. In other words, a lot of affiliates are essential because the agency service provider also generates profits by providing the agency service. Accordingly, business agency service providers and financial companies can stably operate the factoring business by discovering affiliates.

3 is a block diagram of a business agency service system based on a factoring business according to the present invention. The business agency service system based on the factoring business according to the present invention includes a customer terminal 150, a partner company terminal 411, 412, a business agency service providing device 420, a financial company terminal 430, a call center 440, and a payment gateway ( 450) may be implemented.

The customer terminal 150 is a terminal used by a customer who wants to purchase a product by rental or installment. For example, a communication means such as a desktop PC, a tablet PC, a smartphone, a notebook, a wearable device, a wireless telephone, and a TV is used. 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 affiliate terminals 411 and 412 are terminals used by affiliates who have entered into a bond transfer contract with a financial company with installment bonds arising as a result of renting or selling their products to customers. Affiliates provide product contract information including the rental period and rental amount for the product from the business agency service providing device 420, or the installment period and installment amount for the product, and customer identification information who intends to rent or purchase the product in installments. It can be confirmed through the affiliate terminal (411, 412). The affiliate who has confirmed the product contract information may deliver the rental or installment purchase product to the customer, and transmit the delivery completion information to the business agent service providing device 420 through the affiliate terminal 411 and 412.

The business agency service providing device 420 generates bond purchase information for each affiliate, including delivery completion information and product contract information, and transmits it to the affiliate terminals 411 and 412 and the financial company terminal 430. Then, the financial institution terminal 430 deposits the payment for the bond purchase to the affiliate, and transmits the affiliate payment information to the business agency service providing device 420. The business agency service provider collects monthly payments of installment bonds from customers and delivers them to financial institutions. Hereinafter, a detailed configuration of the apparatus 420 for providing a service agent for work will be described later with reference to FIG. 4.

The financial institution terminal 430 receives a rental amount or an installment amount that a customer deposits monthly through a payment gateway 450 interlocking with the business agency service providing device 420. The payment gateway 450 transmits cost deposit information including a rental amount or an installment amount that the customer deposits monthly to the business agency service providing device 420. Then, the business agency service providing device 420 stores the cost deposit information including the rental amount or installment amount that the customer deposits to the financial institution every month, and transmits the cost deposit information to the financial institution terminal 430. Alternatively, it may be implemented in a manner in which the rental amount or installment amount is once deposited to the business agency service company through the payment gateway 450 and then transfers the rental amount or installment amount from the business agency service company to the financial company. Even in this case, the process of storing the cost deposit information in the storage unit and transmitting the information to the financial institution terminal 430 in the business agency service providing device 420 is performed in the same manner.

The call center 440 includes a consultant who guides the product purchase intention and documents related to the product sale through direct voice call with the customer using the name and customer terminal identification information of the customer who wishes to purchase a product of an affiliate company by rental or installment. It is composed by The call center 440 may be implemented in plural in the form of a business agency service company's own call center or an external alliance call center, and accesses the server provided by the business agency service providing device 420 to access information necessary for business, such as a rental period for products. And product contract information including the rental amount or the installment period and installment amount according to the 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, a customer's purchase intention confirmation voice. The product contract information may include, for example, an electronic document image including a credit inquiry agreement, contract, personal information collection agreement, agreement agreement, or automatic transfer agreement.

The payment gateway 450 stores product contract information including a rental period and rental amount for a product provided by the business agency service providing device 420 or an installment period and installment amount according to product purchase. The payment gateway 450 transmits monthly deposit information to the customer by text, katok, or e-mail of the customer on a predetermined date. The payment gateway 450 transmits cost deposit information including a rental amount or an installment amount that the customer deposits monthly to the business agency service providing device 420.

When explaining the configuration of the business agency service providing device 420, the business agency service providing device 420 is accessible through a wired or wireless communication network, and an input unit including an output device such as an LCD/LED monitor, a mouse, a keyboard, and a touch screen. , And a server including data and an execution program, and a control unit executing a program.

As shown in Figure 4, in one embodiment, the agency service providing device 420 is a customer reception processing unit 421, a contract processing unit 422, a storage unit 423 according to the function for processing the agency service. ), a delivery confirmation 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 and customer terminal identification information of a customer who wants to purchase a product of the affiliated company by rental or installment from a customer inflow channel for selling the product of the affiliated company and stores it in the storage unit 423. Save it. The customer inflow channel may provide information (e.g., Lotte Home Shopping, 3rd, Monday, 9 o'clock, 2019.06.06) including the date, time, and day of the customer requesting the product. Such information can be used as marketing analysis data on when the affiliate's products are sold well, or as data to determine the performance of each customer inflow channel.

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 for the product to the customer terminal 150 and rents the product from the customer terminal 150 or Product contract information including customer confirmation information to be purchased in installments is input and stored in the storage unit 423. The product contract information may include, for example, an electronic document image including a credit inquiry agreement, contract, personal information collection agreement, agreement agreement, or automatic transfer agreement. The contract processing unit 422 transmits product contract information including customer confirmation information to the affiliate terminals 411 and 412.

The contract processing unit 422 receives the customer's credit inquiry information requested and inquired by an external specialized agency from the credit information providing terminal and stores it in the storage unit 423. The contract processing unit 422 determines whether to sell the product to the customer by comparing the customer's credit inquiry information with the product sales policy for each affiliate set in advance, and stores the result in the storage unit 423. The product sales policy for each affiliate includes customer credit information, product sales price, etc., and can be changed according to the partner's intention, seasonality, or sales policy according to product stock.

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 terminals 411 and 412. The product contract cancellation information is subdivided and managed in several stages, such as when the call center 440 calls for a contract conclusion, before delivering the product, or after delivering the product.

The delivery confirmation processing unit 424 receives delivery completion information for a product that has been delivered from the partner terminals 411 and 412 and stores it in the storage unit 423. The delivery completion information may include the name of the shipper, the time and date of delivery, the name of the customer, and information on the delivered product.

The bond purchase processing unit 425 generates and stores bond purchase information for each affiliate, including product contract information, including delivery completion information and product contract information including customer confirmation information who wants to rent a product or purchase in installments, and store it in the storage unit 423. The bond purchase processing unit 425 transmits the bond purchase information for each affiliate to the financial institution terminal 430. The payment processing unit 426 receives payment information for each affiliate according to the bond purchase from the financial institution terminal 430 and stores it in the storage unit 423.

The receivable collection processing unit 427 receives 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 receivable collection processing unit 427 transmits, to the financial institution terminal 430, cost deposit information including the rental amount or installment amount that the customer deposits monthly.

As shown in FIG. 4, the apparatus 420 for providing a business agency service based on a factoring business according to the present invention includes sales performance for each high-inflow channel, monthly sales volume, and profit rate for each affiliate based on the information stored in the storage unit 423 as shown in FIG. , A contract cancellation reason, delinquency management, customer evaluation, etc. may be implemented by further including a status analysis processing unit 428 that generates data that can be recognized by humans (eg, graphs or tables).

As shown in FIG. 5, the current status analysis processing unit 428 includes a channel-specific performance processing unit 4281, a monthly sales volume processing unit 4282, a yield analysis processing unit 4803, a contract cancellation processing unit 4284, and arrears processing unit 4285, and It may be implemented by including a customer evaluation processing unit (4286).

The performance processing unit for each channel (4281) includes customer inflow channels such as TV home shopping broadcast, mobile video advertisement, online website advertisement, customer reception information and call progress information, product contract information, and delivery completion information provided at offline stores. Based on the customer's payment information and the financial company's payment information, all information from customer inflow to debt collection is calculated for each channel. As shown in FIG. 7, in the case of a TV home shopping broadcast, the channel-specific performance processing unit 4241 may calculate information from customer inflow to the number of receivables according to broadcast times, broadcast dates and broadcast times, and convert them into graphs or tables.

The monthly sales amount processing unit 4282 may calculate the monthly sales amount based on the bond purchase information for each affiliate stored in the storage unit 423 as product contract information that has been delivered to the customer. The monthly sales amount processing unit 4242 may calculate information on the monthly sales amount and convert it into a graph or a table.

The yield analysis processing unit 4283 calculates the sales amount and the number of sales based on the bond purchase information for each affiliate stored in the storage unit 423 as product contract information that has been delivered to the customer. The yield analysis processing unit 4283 calculates a settlement amount obtained by subtracting the product settlement ratio for each affiliate from the calculated sales amount. The product settlement ratio for each affiliate may be calculated in consideration of fees including deposits, bond purchase amount and contract cost, and payment agency amount for use in case of intermediate termination or bankruptcy of affiliates. Referring to FIG. 8, the yield analysis processing unit 4832 may calculate a settlement rate using the calculated settlement amount and payment information actually deposited from a financial company to an affiliate company, and convert it into a graph or table.

The contract cancellation processing unit 4284 calculates the reason for canceling the contract and the number of cases corresponding to each reason based on the product contract cancellation information input from the customer terminal 150 or the call center 440 and stored in the storage unit 423 as a graph or table. Can be converted. As shown in FIG. 9, the reason for canceling the contract may be various, such as simple change of heart, burden of money, purpose of giveaway, credit dropout, incorrect receipt, credit card smile, absence, spouse objection, product complaint, contract change, etc.

The overdue processing unit 4285 may extract the overdue person based on the payment information for each customer input from the payment gateway 450 and convert the overdue person information into a list and a table. The customer evaluation processing unit 4288 may calculate a distribution of the credit rating of a customer who has completed product delivery based on the customer's credit inquiry information and convert it into a table or graph.

For the smooth operation of each unit, the operation provided by the business agency service providing device 420 so that the customer can check the progress by distinguishing each stage of the contract signing process and each stage of the delivery process from the inflow process, the initial call process The platform is closely linked with the computer system of the financial company and the factoring business partner (affiliate), and a software platform capable of checking all of the above-described step-by-step processes must be installed and operated on the business agency service providing device 420.

As shown in FIG. 6, there may be a plurality of call centers that view customer reception information and transmit product contract information including a rental period and rental amount for a product or an installment period and installment amount for a product to the customer. The plurality of call centers 431, 432, 433 may be an external service agency or an agency belonging to a business agency service provider. Whether the call center is an external service organization or an affiliated organization, the corresponding call information stored in the storage unit 423 is used.

Accordingly, the apparatus 420 for providing a service agency service based on the factoring business according to the present invention may further include a call distribution processing unit 429. The call distribution processing unit 429 generates a plurality of call information including customer reception information and call center identification information stored in the storage unit 423 and stores them in the storage unit 423.

The business agency service providing device based on the factoring business according to the present invention is an operating platform that can provide necessary work for a financial company and a factoring business partner (affiliate), and allows a financial company to provide an example of the business status of the factoring business partner (affiliate). , Product sales performance by customer inflow channel, statistical information on sales volume, and receipt rate and delinquency rate of purchased receivables can be checked in real time, enabling you to predict risks and profits for the factoring business in advance.

Until now, the present specification has been described with reference to the embodiments shown in the drawings so that those of ordinary skill in the art can easily understand and reproduce the present invention, but this is only exemplary. Accordingly, the present invention will be understood by those of ordinary skill in the art that various modifications and equivalent other embodiments are possible from the embodiments of the present invention. Therefore, it should be understood that the embodiments described above are 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 being distributed may also be implemented in a combined form. Therefore, the true technical scope of the present invention should be determined only by the appended claims.

Claims

It is a business agency service providing device that collects and delivers the bonds of each affiliate according to the transfer of bonds concluded between a plurality of affiliates and financial companies to financial companies, and collects monthly payments from customers and delivers them to financial companies.

The above business agency service providing device is:

A customer reception processing unit for receiving customer reception information including a name of a customer who wishes to purchase a product of the affiliated company through a rental or installment payment from a customer inflow channel for product sales of the affiliated company and storing it in a storage unit;

Products that include product contract information including the rental period and rental amount for the product, or the installment period and installment amount for the product to the customer terminal, and to rent the product from the customer terminal or purchase in installments. A contract processing unit that receives contract information, stores it in a storage unit, and transmits the product contract information to an affiliate terminal;

A delivery confirmation processing unit for receiving delivery completion information on the delivery completed product from the partner terminal and storing it in a storage unit;

A bond purchase processing unit for generating and storing bond purchase information for each affiliate, including the delivery completion information and product contract information, in a storage unit, and transmitting the bond purchase information for each affiliate to a financial company terminal;

A payment processing unit for receiving payment information for each affiliate according to bond purchase from a financial institution terminal and storing it in a storage unit;

A receivable collection processing unit that receives payment information including a rental amount or installment amount that a customer deposits monthly from a payment gateway, stores it in a storage unit, and transmits the payment information to a financial institution terminal;

A business agency service providing device based on a factoring business comprising a.
The method according to claim 1,

The contract processing unit,

Stores the customer's credit inquiry information entered from the credit information providing terminal in a storage unit, and compares the customer's credit inquiry information with a preset product sales policy for each affiliate, determines whether to sell the product to the customer, and stores the result in the storage unit. To do

Smart installment system, characterized in that.
The method according to claim 1 or 2,

The contract processing unit,

Receiving product contract cancellation information from a customer terminal or call center, storing it in a storage unit, and transmitting the product contract cancellation information to an affiliate terminal.

Smart installment system, characterized in that.
The method according to claim 1,

The above business agency service providing device is:

A call distribution processing unit generating a plurality of call information including the customer reception information and call center identification information and storing the same in a storage unit;

A business agency service providing device based on a factoring business further comprising a.
The method according to claim 1,

The above business agency service providing device is:

A status analysis processing unit that calculates the sales amount and the number of sales from the bond purchase information for each affiliate, and calculates a settlement rate using the settlement amount subtracted by the settlement ratio from the sales amount and the payment information for each affiliate;

A business agency service providing device based on a factoring business further comprising a.