TWI453688B - A system to avoid duplicated accounts receivable (a/r) assignments and/or advancements - Google Patents

Description

System for avoiding duplicate transfers and/or financing of accounts receivable

The present invention relates to a system for reducing financial risk management, and in particular to a system for avoiding duplicate transfers and/or financing of accounts receivable.

After owning the currency and financial system, money lending is a very common financial act. Among them, accounts receivable acquisition and / or financing are generally used by companies to borrow. Accounts receivable acquisition refers to the conditional transfer of accounts receivable formed by enterprises to special financing institutions to enable enterprises to obtain the required funds and strengthen the turnover of funds; accounts receivable financing (or Invoice financing refers to the accounts receivable formed by the enterprise to be sold off. The accounts receivable is used as the source of repayment, and financing is provided to financial institutions to enable enterprises to obtain the required funds and strengthen the turnover of funds. Receivables acquisition and/or financing allows the company to finance by any transaction document or document (such as invoices, purchase orders, etc.) without the need to provide collateral. The current forms of receivables acquisition and/or financing include: accounts receivable mortgage financing and accounts receivable acquisition financing.

The accounts receivable mortgage financing is that the supplier company finances the financing institution with the accounts receivable claims as collateral. After the financing institution finances the funds for 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 transfer of accounts receivable claims by enterprises that provide or provide labor services. Give the financing institution and notify the buyer to pay directly to the financing institution, and transfer the collection risk to the financing institution. It is divided into the acquisition without recourse and the acquisition with recourse. When there is no recourse, the financing institution shall bear the buyer's payment risk.

However, when undertaking the acquisition and/or financing of accounts receivable, the financial institution cannot find out whether the same transaction document or certificate has been financed by other financial institutions. As a result, financial institutions are subject to considerable risks in undertaking receivables and/or financing for accounts receivable.

Accordingly, one aspect of the present invention is to provide a system for avoiding duplicate transfers and/or financing of receivables for determining whether the information of the accounts receivable voucher to be used for the acquisition and/or financing has been Deposited in the database to determine whether the same accounts receivable voucher has been acquired and/or financed by other financial institutions. The system for avoiding duplicate transfer and/or financing of accounts receivable includes several financial institution server and one account receivable message service platform. The accounts receivable messaging service platform establishes a link with the financial institution server. Each financial institution server includes an account receivable voucher database (including acquisition and/or financing receivables 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 includes at least one inquiry (to be acquired and/or financed) of the accounts receivable voucher. The message broadcast 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 receivable voucher similar to the above query (for acquisition and/or financing) of the accounts receivable voucher, which is stored in the accounts receivable voucher database. If a similar receivable voucher is deposited in its accounts receivable voucher database In at least one of them, the financial institution server that holds the information of the similar accounts receivable voucher returns the information of the similar accounts receivable voucher to the accounts receivable information service platform. Upon receipt of the return message, the Receivables Message Service Platform transmits a transfer and/or financing alert message to the financial institution server that transmits the inquiry (to be acquired and/or financed).

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 repetitive 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, information on the receivables vouchers of the transfer and/or financing warning messages may be used as a basis for the acquisition and/or financing or the acquisition and/or financing of the accounts receivable vouchers.

100‧‧‧ Accounts Receivable Message Service Platform

110‧‧‧Message receiving module

120‧‧‧Information Broadcasting Module

130‧‧‧Message reply module

200‧‧‧data transmission interface

300, 400, ..., n00‧‧‧ financial institution server

150, 310, 410, ..., n10‧‧‧ accounts receivable voucher database

320, 420, ..., n20‧‧‧ processing components

160, 321, 421, ..., n21‧‧‧ judgment module

170, 322, 422, ..., n22‧‧‧ similarity judgment module

The above and other objects, features, advantages and embodiments of the present invention will become more <RTIgt; <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; And/or the functional block diagram of the financing system.

Please refer to FIG. 1 , which is a functional block diagram of a system for avoiding repeated transfer and/or financing of accounts receivable according to an embodiment of the invention. The system for avoiding duplicate transfer and/or financing of accounts receivable determines whether the same accounts receivable voucher has been determined by determining whether the information of the accounts receivable voucher to be used for acquisition and/or financing is already in the database. Acquisition and/or financing by banks of other financial institutions.

The system for avoiding duplicate transfer and/or financing of accounts receivable includes the accounts receivable information service platform 100 and a plurality of financial institution side servers 300, 400, ..., n00. Receivable The account information service platform 100 establishes a connection with each of the financial institution side servers 300, 400, ..., n00. The receivables information service platform 100 can establish a connection with each financial institution end server 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 accounts receivable information service platform 100 can be installed in 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.

Each financial institution server 300, 400, ..., n00 includes an account receivable voucher database 310, 410, ..., n10 for storing information of the accounts receivable voucher, such as acquisition and / or financing of the 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 110 receives a query (to be acquired and/or financed) from one of the financial institution servers 300, 400, ..., n00. In other words, when a financial institution undertakes the acquisition and/or financing of a receivable, the financial institution can transmit a query (to be acquired and/or financed) through its financial institution server to determine the intention to acquire and/or / / Whether the accounts receivable voucher for financing has been acquired and / or financed by other financial institutions. The inquiry message includes at least one inquiry (to be acquired and/or financed) of the accounts receivable voucher. The inquiries (for acquisition and/or financing) of the accounts receivable voucher can be orders, delivery notes, acceptance orders, invoices 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 list quantity, date (invoice date, due date, payment date) , 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, ..., n00 determines whether the information of the account receivable voucher to be financed is already stored in the accounts receivable voucher database 310, 410, ..., n10. 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 is already stored in Its accounts receivable voucher database 310, 410, ..., n10. If there is a similar account receivable voucher already stored in at least one of the accounts receivable voucher database 310, 410, ..., n10, the financial institution server with the information of the similar accounts receivable voucher A transfer and/or financing return message is sent back to the receivables message service platform 100. 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, Date (invoice date, due date, payment date), payment terms, invoice currency or amount, etc. The supplier's information may include, but 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. Therefore, the financial institution server that previously transmitted the inquiry message can use the transfer and/or financing warning message to know whether the account receivable voucher to be inquired has been acquired and/or financed. The financial institution server 300, 400, ..., n00 can determine whether or not the information of the account receivable voucher for the inquiry (to be acquired and/or financed) is compared with the information stored in the database. A similar receivable vouchers similar to the query (to be acquired and/or financed) of the accounts receivable voucher are already in their database. Therefore, each of the financial institution side servers 300, 400, ..., n00 may include a processing element 320, 420, ..., n20, and each of the processing elements 320, 420, ..., n20 may respectively comprise a judgment Modules 321, 421, ..., n21. The processing elements 320, 420, ..., n20 are respectively electrically connected to the accounts receivable voucher databases 310, 410, ..., n10 of the same financial institution end servers 300, 400, ..., n00. . The judging modules 321, 421, ..., n21 determine 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, deposited in the accounts receivable voucher In the database 310, 410, ..., n10. When there is similar information, it is determined that the accounts receivable voucher inventory has similar information (in order to acquire and/or finance) the accounts receivable voucher. 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, ..., n00 can determine similarity to the acquired and/or financing receivable vouchers similar to the query (to be acquired and/or financed) the accounts receivable voucher. degree. Therefore, each processing element 320, 420, ..., n20 can be respectively A similarity degree determining module 322, 422, ..., n22 is included. The similarity degree determining module 322, 422, ..., n22 judges the information of the account receivable voucher for inquiring (to be acquired and/or financed), and the accounts receivable voucher database 310, 410, ..., n10 A similarity between the information of similar receivables vouchers. 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 inquiries (for acquisition and/or financing) of the accounts receivable voucher have been acquired and/or financed according to the degree of similarity. Basis for purchase and / or financing.

In addition, the accounts receivable information service platform 100 can also search for a database to which the connection is established. Therefore, the system for avoiding duplicate transfer and/or financing of accounts receivable may include another receivables voucher database 150 to establish a link with the accounts receivable information service platform 100. Accordingly, the accounts receivable information service platform 100 can determine whether there is a similar receivable vouchers similar to the information of the accounts receivable vouchers (to be acquired and/or financed), which are stored in the linked accounts receivable. The voucher database 150. The receivables message service platform 100 is stored in the accounts receivable voucher database 150 in a similar receivable vouchers that are similar to the query (to be acquired and/or financed) of the accounts receivable voucher. The connected accounts voucher database 150 is determined to have a similar receivable vouchers, and a transfer and/or financing return message is generated. The receivables voucher database 150 collects information, and the financial institutions 300, 400, ..., n00 can simultaneously transmit the accounts receivable voucher to the accounts receivable message when the account receivable voucher is registered. The service platform 100 joins the linked accounts receivable voucher database 150, or joins the financial institution 300, 400, ..., n00 to return the information of the transfer and/or financing return message.

In addition, the accounts receivable information service platform 100 can also include a determination module 160 or a similarity determination module 170. The determining module 160 determines whether it is similar to the query ( A similar receivable vouchers for the information on the accounts receivable voucher are included in the linked accounts receivable voucher database 150. When there is similar information, it is determined that the linked accounts receivable voucher database 150 contains similar information for the inquiry (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 that the information of the account receivable voucher for the inquiry (to be acquired and/or financed) is similar to the information of the similar accounts receivable voucher in the linked accounts receivable voucher database 150. degree. Next, the similarity determination module 170 logs 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 inquiries (for acquisition and/or financing) of the accounts receivable voucher have been acquired and/or financed according to the degree of similarity. 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 repetitive 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, information on the accounts receivable vouchers that have been financed may be used as a basis for the acquisition and/or financing or the acquisition and/or financing of the accounts receivable vouchers.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and the present invention can be modified and modified without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

100‧‧‧ Accounts Receivable Message Service Platform

110‧‧‧Message receiving module

120‧‧‧Information Broadcasting Module

130‧‧‧Message reply module

200‧‧‧data transmission interface

300, 400, ..., n00‧‧‧ financial institution server

150, 310, 410, ..., n10‧‧‧ accounts receivable voucher database

320, 420, ..., n20‧‧‧ processing components

160, 321, 421, ..., n21‧‧‧ judgment module

170, 322, 422, ..., n22‧‧‧ similarity judgment module

Claims (10)

A system for avoiding repeated transfer or financing of accounts receivable, comprising: a plurality of financial institution server, wherein each of the financial institution servers comprises: an account receivable voucher database; and an account receivable The message service platform is connected to the financial institution server, and includes: a message receiving module, which receives an inquiry from the financial institution server to purchase or finance the information, wherein the query is intended to be accepted The purchase or financing message includes information for inquiring about the purchase or financing of the accounts receivable voucher; a message broadcast module broadcasting the inquiry to acquire or finance the accounts receivable voucher to the financial institution server, Thereby, the financial institution server determines whether a similar account receivable voucher is similar to the information of the inquiry for acquiring or financing the accounts receivable voucher, and is stored in the accounts receivable voucher database. Where the similar account receivable voucher is stored in one of the accounts receivable voucher databases, the financial institution end server returns the information of the similar account receivable voucher Transfer or financing a return message to the accounts receivable information service platform, the transfer or financing return message containing the information of the similar receivables voucher; and a message replying module receiving the transfer or financing return In the message, an transfer or financing alert message is transmitted to the financial institution server that transmits the inquiry to purchase or finance the message. A system for avoiding repeated transfer or financing of receivables as described in claim 1, wherein the receivable vouchers are orders, delivery orders, acceptance orders or invoices. A system for avoiding the repeated transfer or financing of accounts receivable as described in claim 1, wherein the information of the inquiry to be acquired or financed by the receivable vouchers includes the inquiry to be purchased or one of the financing receivable vouchers Business information, information of a buyer, voucher number, product list, product quantity, date, payment terms, purchaser, invoice currency or amount. a system for avoiding repeated transfer or financing of accounts receivable as described in claim 3, wherein the supplier The information includes the supplier's editor or name, and the buyer's information includes the buyer's editor or name. The system for avoiding repeated transfer or financing of accounts receivable according to claim 1, wherein each of the financial institution server comprises: a processing component electrically connected to the accounts receivable voucher database, the processing component The method includes: a judgment module, determining whether the similar account receivable voucher similar to the information of the inquiry for acquiring or financing the accounts receivable voucher is stored in the account receivable voucher database, If the similar accounts receivable voucher is similar to the information of the account receivable voucher for which the inquiry is to be acquired or financed, the same is determined when the similar account receivable voucher is stored in the accounts receivable voucher database. Receiving voucher. The system for avoiding repeated transfer or financing of accounts receivable according to claim 5, wherein each of the processing elements further comprises: a similarity degree determining module, determining the similarity in the accounts receivable voucher database A similarity between the bill of exchange vouchers and the information of the inquiry to acquire or finance the accounts receivable voucher, and log the similarity to the transfer or financing return message. A system for avoiding duplicate transfer or financing of receivables as described in claim 1, wherein the transfer or financing alert message includes information of the transfer or financing return message. The system for avoiding the repeated transfer or financing of accounts receivable according to claim 1, wherein the receivables message service platform is installed on a message service server or distributedly installed on the financial institution server. The system for avoiding repeated transfer or financing of accounts receivable according to claim 1, further comprising: another account receivable voucher database, and establishing a link with the accounts receivable information service platform, wherein the accounts receivable The message service platform determines whether the similar account receivable voucher similar to the information of the inquiry for acquiring or financing the accounts receivable voucher is stored in the other account receivable voucher database and is similar Determining the other receivables voucher data inventory when the similar receivable vouchers for which the information of the accounts receivable voucher is to be acquired or financed are stored in the other accounts receivable voucher database There is a similar receivable vouchers, and the transfer or financing return message is generated. The system for avoiding the repeated transfer or financing of the receivables as described in claim 9, wherein the receivables information service platform further comprises: a judging module for judging whether it is similar to the query to be purchased and/or The similar receivable vouchers for the information on the financing receivables vouchers are stored in the other accounts receivable voucher database, and there is information similar to the inquiry for the purpose of acquiring or financing the accounts receivable vouchers. When the similar accounts receivable voucher is stored in the another account receivable voucher database, determining that the other accounts receivable voucher data inventory has the similar receivable account voucher; and a similarity judgment module Determining a similarity between the similar receivable vouchers in the other accounts receivable voucher database and the information of the inquiry for acquiring or financing the accounts receivable voucher, and logging the similarity to the Transfer or finance return messages.