Re-factoring creditor's right transfer system and method

Abstract

The invention discloses a refactoring creditor's right transfer system and method, and belongs to the technical field of supply chain finance, the refactoring creditor's right transfer system comprises a supply chain finance platform, a factoring provider platform and a refactoring provider platform which communicate with the supply chain finance platform, the supply chain finance platform comprises a factoring provider creditor's right unit and a refactoring provider financing unit, the factoring provider platform communicates with the factoring provider creditor's right unit, and the refactoring provider platform communicates with the refactoring provider financing unit; according to the invention, the factoring agent logs in the supply chain financial platform to check the electronic creditor's right voucher obtained through fund financing, and the factoring agent can transfer the electronic creditor's right voucher to the fund party through the refactoring creditor's right transfer system to achieve the purpose of fund financing. Pure online operation can be completely realized, the financing procedure data is greatly simplified, the tedious operation process is reduced, and the financing cost is reduced.

Description

Technical Field

[0001] The present invention belongs to the technical field of supply chain finance, and in particular relates to a re-factoring debt transfer system and method. Background Art

[0002] The full name of factoring is factoring agent. In order to strengthen its own capital liquidity, the seller transfers the electronic debt certificate in his hand to the factor for capital financing. The factor also has the demand to strengthen its own capital financing. In fact, the capital financing of the factor is based on offline business, which makes its operation cumbersome, the process complicated, the cost high, and the timeliness of the loan from the funding party cannot be guaranteed. Summary of the invention

[0003] The purpose of the present invention is to propose a re-factoring debt transfer system and method in order to solve the above-mentioned problems.

[0004] On the one hand, in order to achieve the above-mentioned purpose, the present invention adopts the following technical scheme: a re-factoring debt transfer system, which includes a supply chain finance platform, a factoring platform and a re-factoring platform communicating with the supply chain finance platform, the supply chain finance platform includes a factoring debt unit and a re-factoring financing unit, the factoring platform communicates with the factoring debt unit, the re-factoring platform communicates with the re-factoring financing unit, and debt transfer and financing are performed between the factoring debt unit and the re-factoring financing unit.

[0005] As a further description of the above technical solution:

[0006] The supply chain finance platform synchronizes data to the cloud platform.

[0007] As a further description of the above technical solution:

[0008] The supply chain finance platform is provided with a verification unit and a conversion unit. The verification unit verifies the authenticity of the electronic debt certificate data in the factoring creditor unit of the factoring platform, and the conversion unit converts the electronic debt certificate into the financing amount provided by the re-factoring financing unit.

[0009] On the other hand, in order to achieve the above-mentioned purpose, the present invention adopts the following method: a method for transferring the debt of re-factoring, which comprises the following steps:

[0010] 1) The factoring platform logs into the supply chain finance platform and communicates with the factoring creditor unit, and the factoring creditor unit records and stores the electronic creditor certificates obtained during the financing process of the factoring platform;

[0011] 2) The verification unit verifies the authenticity of the electronic creditor's rights certificate data in the creditor's rights unit of the factoring platform;

[0012] 3) The conversion unit converts the electronic debt certificate into the financing amount provided by the re-factoring financing unit. The re-factoring financing unit records and stores the amount of external financing of the re-factoring platform to achieve the purpose of financing.

[0013] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0014] In the present invention, the factor logs into the supply chain finance platform to view the electronic debt certificate obtained through financing. The factor can transfer its own electronic debt certificate to the funding party through the re-factoring debt transfer system to achieve the purpose of financing. It can fully realize pure online operation, greatly simplify the financing procedures and documents, reduce cumbersome operating procedures and reduce financing costs. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] Figure 1 The figure is a block diagram of a refactoring debt transfer system.

[0016] Figure 2 The present invention is a flow chart of a method for transferring refactoring claims. DETAILED DESCRIPTION

[0017] In order to make the purpose, technical solution and advantages of the embodiment of the present invention clearer, the technical solution in the embodiment of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiment of the present invention. Obviously, the described embodiment is a part of the embodiment of the present invention, rather than all the embodiments. The components of the embodiment of the present invention described and shown in the drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiment of the present invention provided in the drawings is not intended to limit the scope of the claimed invention, but only represents the selected embodiment of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention. It should be noted that similar numbers and letters represent similar items in the following drawings, so once an item is defined in one drawing, it does not need to be further defined and explained in the subsequent drawings. In the description of the embodiments of the present invention, it should be noted that the terms "upper", "inside", etc. indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings, or the orientation or positional relationship in which the invented product is usually placed when in use, which is only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as a limitation of the present invention. In the description of the present invention, it should also be noted that, unless otherwise clearly specified and limited, the terms "set", "install", "connected", and "connected" should be understood in a broad sense, for example, it can be a fixed connection, a detachable connection, or an integral connection; it can be directly connected, or indirectly connected through an intermediate medium, or it can be the internal connection of two elements. For those of ordinary skill in the art, the specific meanings of the above terms in the present invention can be understood according to specific circumstances.

[0018] See also Figure 1 The present invention provides a technical solution: a re-factoring creditor's rights transfer system, including a supply chain finance platform, a factoring platform and a re-factoring platform communicating with the supply chain finance platform, the supply chain finance platform including a factoring creditor's rights unit and a re-factoring financing unit, the factoring platform communicating with the factoring creditor's rights unit, the re-factoring platform communicating with the re-factoring financing unit, and creditor's rights transfer and financing are performed between the factoring creditor's rights unit and the re-factoring financing unit;

[0019] The supply chain finance platform synchronizes data to the cloud platform;

[0020] The supply chain finance platform is provided with a verification unit and a conversion unit. The verification unit verifies the authenticity of the electronic debt certificate data in the factoring creditor unit of the factoring platform, and the conversion unit converts the electronic debt certificate into the financing amount provided by the re-factoring financing unit.

[0021] Example:

[0022] S01: The factoring platform logs into the supply chain finance platform and communicates with the factoring creditor unit, and the factoring creditor unit records and stores the electronic creditor certificate obtained during the financing process of the factoring platform;

[0023] S02: The verification unit verifies the authenticity of the electronic creditor's rights certificate data in the factoring platform in the factoring creditor's rights unit;

[0024] S03: The conversion unit converts the electronic debt certificate into the financing amount provided by the re-factoring financing unit. The re-factoring financing unit records and stores the amount of external financing of the re-factoring platform to achieve the purpose of financing.

[0025] The above description is only a preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can make equivalent replacements or changes according to the technical scheme and inventive concept of the present invention within the technical scope disclosed by the present invention, which should be covered by the protection scope of the present invention.

Claims

1. A re-factoring creditor's rights transfer system, characterized by: It includes a supply chain finance platform, a factoring platform and a re-factoring platform communicating with the supply chain finance platform, the supply chain finance platform includes a factoring creditor unit and a re-factoring financing unit, the factoring platform communicates with the factoring creditor unit, the re-factoring platform communicates with the re-factoring financing unit, and the factoring creditor unit and the re-factoring financing unit perform creditor transfer and financing.

2. A re-factoring creditor's rights transfer system according to claim 1, characterized in that: The supply chain finance platform synchronizes data to the cloud platform.

3. A re-factoring creditor's rights transfer system and method according to claim 1, characterized in that: The supply chain finance platform is provided with a verification unit and a conversion unit. The verification unit verifies the authenticity of the electronic debt certificate data in the factoring creditor unit of the factoring platform, and the conversion unit converts the electronic debt certificate into the financing amount provided by the re-factoring financing unit.

4. A method for transferring refactoring claims as claimed in any one of claims 1 to 3, characterized in that: The steps include: 1) The factoring platform logs into the supply chain finance platform and communicates with the factoring creditor unit, and the factoring creditor unit records and stores the electronic creditor certificates obtained during the financing process of the factoring platform; 2) The verification unit verifies the authenticity of the electronic creditor's rights certificate data in the creditor's rights unit of the factoring platform; 3) The conversion unit converts the electronic debt certificate into the financing amount provided by the re-factoring financing unit. The re-factoring financing unit records and stores the amount of external financing of the re-factoring platform to achieve the purpose of financing.

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