In the UK, the main difference between factoring and invoice discounting is confidentiality. There are efficient algorithms for testing polynomial irreducibility and factoring polynomials over finite field. That has created another niche of factoring companies that specialize in construction receivables. They are a key step for factoring polynomials over the integers or the rational numbers. Group theory also enables factoring and simplification of theoretical calculations. Using this knowledge may help factoring the polynomial and finding its roots. This idea is similar to other factoring algorithms, like the quadratic sieve. RSA is based on the assumption that factoring large integers is computationally intractable. Arvato's financial solutions include payment processing, factoring, and debt collection services. In reverse factoring or supply-chain finance, the buyer sells its debt to the factor. Another area of concern is when the cost of invoice factoring is calculated. RSA's security depends upon the one-way function nature of mathematical integer factoring. Hana Financial, Inc. has about $2 billion in annual factoring and loan originations. An example of factoring is the credit card. There is a proof reducing its security to the computational difficulty of factoring.