KR20020037072A - Apparatus And Method For Total Banking Service Of Using Network - Google Patents

Abstract

PURPOSE: An apparatus and method for a total finance service using the network are provided for a company to process and offer directly the total finance management work to a financial institution through an open solution of the internet connection way. CONSTITUTION: The company configures the environment of an own PC according to the contract agreement with a bank which provides the total finance management work service through the internet(S101). The bank checks if the company is a registered user or not by analyzing the authentication information of the company through the log-in(S102). If the company is registered, the bank displays the screens for the total finance management work service to a PC monitor of the company(S103). The company writes, encrypts, and transfers the work-related data files to the bank(S104). After allowing the acceptance of the data files, the bank processes the relevant finance management work through the relevant work server, writes the processed data files as the result, and registers the processed data files to a DB(S105). The bank provides the processed data files to the company as needs(S106).

Description

Apparatus And Method For Total Banking Service Of Using Network}

The present invention relates to a total financial service using a communication network, and more specifically, such as collection and payment of funds through the Internet network, corporate settlement, other money management and foreign exchange transactions, etc. The present invention relates to a total financial service apparatus and method using a communication network that allows a service to be provided to a corporate PC.

Generally, a company manages funds for management of a company, collection management for goods sold, management of money to be paid or paid for goods purchased from other companies, and foreign exchange management arising from import-export relations. In the management, the millet method is commonly used.

However, in the case of companies, the amount of funds flowed in each day is a huge amount, and the flow of funds in connection with the financial sector is also a large amount. Inquiry of balance, inquiry of transaction details of deposit and withdrawal account, inquiry of transaction details of custody bill, inquiry of transfer and processing result of funds, inquiry of result for payment of delivery charges, processing of transactions related to import and export credit, etc. There is a problem that a person in charge of a business visits the financial institution with which he / she deals directly and inquires the desired matter at the window or handles the relevant work.After returning to the company for the relevant work processed through the visit of the financial institution, The cumbersome problem of sorting out the details of the work It was.

In addition, in order to predict cash flows and manage and schedule cash flows for operating funds, companies have to predict the flow of funds based on the previous year's accounting book and the overall status of the company, and then draft drafts for the sessions. In addition, since the forecast of the flow of funds is made without applying the basis of detailed market research, there is a problem that the actual management of the funds is not performed in the enterprise.

In addition, in the past, companies were provided with specific financial services by connecting to financial institutions through leased lines or value added network (VAN) operators. However, this is limited to very limited financial services. Since the business service must be provided through a VAN provider that provides a fee-based service, there is a problem in that unnecessary fees and royalties have to be paid due to the need for funds for the construction of the program and the execution of the corresponding work through the VAN company.

The present invention has been made in view of the above-mentioned general problems, and its purpose is to provide a financial management process improvement request through the introduction of 'corporate resource management process (ERP), business process improvement (BPR)' for corporate management informatization. In line with the increase, all of the company's deposit and withdrawal services, account management, collection management, payment management, foreign exchange management, money management, financial transactions, etc. The company provides financial management business directly to financial institutions through an open solution through internet access.

In addition, PKI-based certificate system can be used to maintain strong security, and user-centered system configuration provides convenient handling of financial business, and standardization of corporate environment to secure system universality. It is.

In addition, with the support of the electronic payment system, the billing process between companies has been improved, and the user's management rights are given to each user to minimize the occurrence of financial accidents.

1 is a block diagram showing the configuration of a total financial service apparatus using a communication network according to the present invention.

FIG. 2 is a block diagram showing the processing of the total financial service of the in-bank server shown in FIG.

Figure 3 is a flow diagram of an embodiment for providing a total financial service method using a communication network according to the present invention.

4 is a main screen state diagram in a total financial service apparatus using a communication network according to the present invention.

Explanation of symbols on the main parts of the drawings

10: enterprise 11: CMS processing unit

12, 32: database 20: Internet network

30: financial management system 31: server

40: KFTC 50: Ta Line

A feature of the present invention for achieving the above object is to install a database for storing a variety of information related to the performance of financial management related to money on a single or server-class PC, the financial solution that is provided with an open solution of the Internet access method A company which installs a management task execution program on a single or multiple PCs to perform a corresponding financial management task; An internet network for connecting the corporation and the bank online to interface financial management services of the corporation; The present invention provides a total financial service apparatus using a communication network including a financial management system that provides a user-centered service in a bank for general financial management tasks required by a company connected online through the Internet.

Here, the financial management system, the authentication for the company connected online through the Internet network, and receives and classifies, processes and then provides the results of the various data for performing the user-centered financial management business in the enterprise A server; It characterized in that it comprises a database that stores the comprehensive data on each company's financial management and authentication-related data.

The server may be connected to another PC banking service through a dedicated line or a VAN to provide the other party's PC banking service to a company connected through the Internet. According to the needs of the enterprise is characterized by consisting of means for handling account management, collection, payment, foreign exchange, money management, file transmission and reception, user management, purchase card service and other services.

On the other hand, another feature of the present invention, a set-up process for setting the environment in the PC in accordance with the conclusion of the contract between the bank providing the financial management service service and the company to receive the service through the Internet network; A login process of determining whether the user is a registered user by analyzing the authentication information of the company connected through the Internet after setting the environment between the company and the bank; Displaying a window for a financial management service selected from the initial screen after displaying a window-based initial screen for providing a financial management service if the user is a registered user; Querying (file conversion, printing) databases of companies and banks offline / online with respect to the selected financial management task, creating a corresponding task-related data file, and encrypting and transmitting the data to a bank; Approving the data file transmitted from the company and transmitting the data file to a server for each task to process a corresponding financial management task, and then writing the processed result into a data file and registering it in a database; The present invention provides a total financial service method using a communication network including providing the processing result data file by accessing the database according to the company's financial management processing status requirements.

At this time, the set-up process, the step of entering into a contract for the corporate business and the special business for the alliance of the comprehensive financial management service services between the company and the bank; Accessing a bank to which the company has entered into an agreement through an internet network, and then downloading and registering a certificate; Setting up and installing a financial management work execution program in a PC in an enterprise so as to receive financial management work services through the Internet network, and constructing a database suitable for the PC in the enterprise; Register the master ID and password for the administrator who manages the database, and when the user changes in the initial setup or later, the user designates by the administrator, grants ID and work authority for each user, and establishes a financial management work environment. Characterized in that it comprises a step.

The login process may include providing a login screen for user authentication according to a company accessing a bank's financial management system through an internet network; Analyzing the user ID and password inputted from the login screen to determine the login location of the registered user and performing authentication; If the user is authenticated by the registered user's login, and then confirm and display the day's schedule management information of the company, and then providing a window-based initial screen for providing a comprehensive financial management service.

In addition, the process of creating a data file related to the work and transmitting it to the bank, to create a data file related to the work through the data input for the selected financial management work, or to convert the data file created for the financial management business service data file Storing the database in the enterprise; And transmitting the data file to a billing right holder for each task through an in-house infrastructure to obtain a settlement, and then encrypting the data file by a certificate method and transmitting the data file to a bank side through the internet network.

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

As can be seen in Figure 1, the model of the total financial service apparatus using the communication network according to the present invention, the CMS processing unit 11 of the company 10 side and the financial management system 30 of the bank side Internet network 20 Interworking online through the bank, the financial management system 30 of the bank side is made of a structure that interlocks with the PC banking service and financial settlement source 40 of the other line 50 through a dedicated line or VAN.

The company (10) produces and sells goods, provides services such as services to unspecified many people, and collects the money for them.These financial management tasks are managed by the bank through open solutions through internet access. CMS (Cash Management Service) processing unit 11, which is a program (hereinafter referred to as 'financial management business execution program') for performing the corresponding financial management business through a window screen without a separate bank visit, It is installed on a plurality of PCs, the database 12 for storing various information related to the financial management work performed by the CMS processing unit 11 is installed in a single PC or server-class PC in the enterprise.

The Internet network 20 is responsible for connecting and interface the CMS processing unit 11 of the company 10 and the financial management system 30 of the bank online.

The financial management system 30 exists in the bank, and authenticates the company 10 that accesses the system online through the Internet network 20, and the user center in the CMS processing unit 11 of the company 10. It consists of a server (31) for receiving and classifying and processing various data for performing the financial management of the business, and a database (32) for storing the details of the various financial management business processed in the company (10), The server 31 is connected to the PC banking service of the other party 50 through a dedicated line or a VAN to provide the PC banking service of the other party 50 through the CMS processing unit 11 of the company 10. At this time, the bank and the other line 50 is linked to the financial settlement source (40).

Here, the server 31 is composed of a main process (31A) and a means for processing each service, as can be seen in the accompanying Figure 2, of the company 10 connected through the Internet network 20 According to various requirements related to the financial management business, the account management business processing unit 31B, the collection business processing unit 31C, the payment business processing unit 31D, the foreign exchange business processing unit 31E, the money management business processing unit 31F, and the file transmission / receiving business processing unit 31G, the user management business processing unit 31H, the purchase card business processing unit 31I, and the other business processing unit 31J, perform functions of providing a corresponding financial management business service to the enterprise 10.

In addition, the database 20, the company 10, account balance inquiry, payment withdrawal and transaction history check, deposit bill balance inquiry information, such as account balance and transaction information inquiry, deposit and withdrawal account transaction history inquiry, automatic debit application and processing result inquiry Information on the collection of bills and bills, information on the collection of contracts, management of collection partners, information on the transfer and processing of funds, management of payments now, management of payment partners, applications on import credits and applications on domestic letters of credit, Foreign exchange business information, such as the application for the purchase of export bills, the application of KEB funds transfer, information on the financial management of the company's cash flow forecasting and fund management schedule and report management, and the registration and transmission of approval data and processing result data. User management such as sending / receiving file information, user management of financial management system, password change and access information management It registers to classify the respective information for each company-specific, group or the like for storing information on the beams, and directly connected to the enterprise service.

An operation of providing a comprehensive financial management service to a company in the modeling of a financial service having the above-described structure will be described with reference to FIG. 3.

First of all, the company collects and pays the funds, pays the company, and manages the money and manages foreign exchange by using the open solution of the Internet connection method without using a separate system or paying the line fee. The company 10 intends to proceed with the setup procedure with the bank that provides the financial management services (S101).

To this end, the enterprise 10 enters into agreements with the banks that provide financial management services and basic business and special contracts. After accessing the contracted bank through the Internet network (20), download and install the certificate, and use the CD (Compact Disk Player) provided at the time of signing the contract to perform financial management tasks such as CMS2000 and ODBC ( Open Data Base Connectivity) program is set up and installed in the CMS processing unit 11, and the appropriate database type is selected for a single PC or a server-class PC in the enterprise 10 where the corresponding financial management program is set up. It builds the database 12 to interlock, and confirms the setting details of the installation environment according to the user.

In this case, when the database 12 is built on a single PC, a Microsoft program 'M / S access' is required. However, when the OS (Operating System) is 'Windows 95' or more, a separate database program is not required. .

Through the operation as described above, in connection with the financial management system 30 of the bank through the Internet network 20 in the enterprise 10 to perform the setup of the financial management work execution program and then the administrator and a plurality of users (that is, work Person in charge, the settlement right holder, the transfer right holder, etc.) registration, and at this time, the master ID ID and password for the administrator who manages the database 12 in the enterprise 10 are registered. If necessary, the setup step is completed by establishing a financial management work environment by assigning a user by the administrator, granting ID and work authority for each user.

Subsequently, the user in the company 10 is connected to the PC in a state where setup for receiving a comprehensive financial management service from the bank's financial management system 30 is completed through the CMS processing unit 11 built in the company 10 as described above. Double-click the icon on the desktop to run the financial management program. A window will be displayed asking you to enter your user ID and password. Click the OK button after entering your user ID and password. When the connection is connected to the bank's financial management system 30 that provides the financial management business services through the Internet network 20, which is connected to the leased line or modem, and performs an authentication procedure to check whether the user is a normal user. (S102).

When the above authentication process is completed, the first login on the day receives the latest customer file from the server 31 of the bank's financial management system 30 and displays it on the window screen of the user's PC. The PC will display the schedule information and display the fund management schedule on the Windows screen.

In the case where the user PC in the enterprise 10 is a system built in a server-client environment, the latest information on the company 10 provided from the server 31 of the financial management system 30 in the bank is included in the company 10. Displayed as today's schedule management information aggregated with the information registered in the database 12 by the CMS processing unit 11, the user authentication for the provision of a comprehensive financial management business service if the present day's schedule confirmation is recognized After completing the login procedure for the display, the initial screen as shown in FIG. 4 is displayed.

Comprehensive financial management services, such as account management, collection, payment, foreign exchange, file transmission, purchase card, user management, money management When the initial screen for selecting a web connection or the like is provided on the window screen by the CMS processing unit 11 of the user PC in the enterprise 10, selecting any task to be used with a mouse click, the selected task is selected. After performing an inquiry (file conversion, printing) process for and performs a procedure for creating a corresponding work-related data file (S103).

At this time, the preparation of the work-related data file is to search the work data stored in the database 12 in the bank (10) connected online through the database 12 in the company 10 or the Internet network 20, the corresponding work-related data file To create, but through the input of the data for the financial management business services to be processed by the company 10 to create a data file related to the work and then to store it in the database (12).

That is, the user in the company 10 selects the financial management business to use and inquires the databases 12 and 32 offline / online, and converts the inquired data file to create a data file related to the final business or is inquired. The printing of the file is performed. At this time, a data file (for example, an Excel file) of the company 10 that has been created or already created on the program for bank transfer, such as a money transfer, is converted into a data file for the CMS, and then the database on the program. It is stored in (12), and the saved data file can be modified and deleted before transmission.

On the other hand, as described above, from the information provided in relation to the financial management work from the bank's financial management system 30 in the company 10 and the information established in the company's database 12, Once the data file for management is constructed, in order to perform comprehensive financial management services such as execution, remittance and transfer of the funds, the procedure for obtaining the settlement of the settlement right holder registered at the time of setting up the initial financial management work execution program is performed (S104).

In order to obtain the settlement right holder's settlement, the files obtained from the databases 12 and 32 of the bank and the company 10 are transmitted through the in-house infrastructure established for the settlement right holder of the corresponding funds. After checking the contents of the data, the electronic payment is made, and if the transfer to the bank is selected for execution of the financial management, it is encrypted by the certificate method and then passed through the security process such as firewall and Internet server firewall. It is transmitted to the financial management system 30 that is built in so that the corresponding work is processed.

As described above, when a data file for the financial management execution to which the settlement right holder is granted is received by the financial management system 30 built in the bank as described above, the financial management system 30 of the corresponding bank is the enterprise 10. Proceed with the procedure for approving and processing the financial management services required by (S105).

At this time, the server of the financial management system 30 checks the contents of the data file transmitted by the final approver of the company 10 and the state of funds of the company registered in the database 32 and then makes a final decision using an OTP card. It approves, transmits each approved data file to a server for each task so that the corresponding financial management task is performed. The work result for each processed data file is written as a data file and registered in the database 32.

Thereafter, the company 10 requested the status of the service processing performed by the financial management services such as the automatic transfer service of funds, the collection of other deposits and transactions, the inquiry of deposit and withdrawal accounts, and the inquiry of deposit notes. Next, the procedure of checking and checking the result is performed (S106).

Here, when the enterprise 10 inquires the status of the financial management system 30, the business processing results are checked by checking the processed data files, and the data files are received at any time when the enterprise 10 needs them. It can be inquired and converted into the form of data file that a company wants, and the result of the inquiry can be printed and kept as supporting data.

Meanwhile, the business service required by the user in the company 10 according to the above-described operation will be described in more detail. First, in the case of the account management business service, the customer information inquiry and the liquidity transaction information inquiry business service and other deposits are collected. And transaction history inquiry service, and in this case, the service is provided only when the bank enters a PC banking or Internet banking agreement with the bank and inputs the details.

Here, in the case of the customer information inquiry and liquidity transaction information inquiry business service, it provides in real time the entire transaction status of the company (10) who deals with the bank, and shows the trust status of the custody account opened in the bank by account, It provides a function to query the maturity date of the current transaction deposit and loan and the interest payment date of the loan within one month. In the case of the relevant bank deposit and transaction history inquiry service, the transaction information can be searched for the liquidity account of the other party 50 that the company 10 trades and the balance that can be paid from the other account of the company 10 is transferred to the designated account of the company. The task of collecting (withdrawing) will be provided in conjunction with the other line 50 through a dedicated line or VAN.

Second, in the case of collection service services, the deposit and withdrawal account transaction history inquiry service, the storage draft transaction history inquiry service and the direct debit task service are included. Provides the function to query the transaction history of the current liquidity account to real-time by account, period, or to convert to a corporate file such as printing and Excel or text, in the case of the corresponding bill of custody transaction service business (10) Provides the function of converting the deposit notes and transaction details by account into the file, and checking the deposit balance and checking the deposit balance in the current deposit account. It will provide transaction history inquiry to confirm. In addition, in the case of the direct debit business service, various storage charges such as insurance premiums, installment sales charges, card charges, lease charges, membership fees of member customers, and usage fees of Internet companies are designated by the company 10 from a plurality of customers. Withdrawal from the customer's designated account on the payment date and transfer to the company's storage account in bulk and transmit the processing result, create the basic data through the Excel file, create a transfer request file in conjunction with the collection work After confirming the approval process by performing the payment process of the administrator and transmitting the file, the result of the automatic transfer processing is inquired and provided as a file or printed on paper to keep the processing result of the work.

Third, in the case of payment business services, it includes money transfer business services and delivery payment business services. In the case of the money transfer business services, the company 10 purchases goods, salaries, internal expenses, and business funds between the headquarters. , Pensions, dividends, etc. or a large amount of funds immediately to the company or the other person's account (an act, the other line) to provide a service immediately, and in the case of the service for the payment service for delivery, the business (10) The bank accepts the payment notes and receives and registers the payment notes in the billing accounts of the customers and partners of the company 10 according to the payment specifications, and manages the hassle of receiving and storing the notes. To provide services.

Fourth, in the case of foreign exchange business services, services for the application of import credits (issuance, change of conditions, guarantee of import freight, payment, etc.), services for application of domestic credits (issue, change of condition, payment, purchase / collection of drafts, etc.) , Import / collective export billing service and other foreign exchange business services.In the case of the import credit application service service, the company (10) must be prepared after issuing the import credit or changing the conditions through the CMS processing unit (11). Sending a file to a bank to apply for issuance of an import credit or a change of condition, create an import freight pre-employment warranty, send a file to the bank to apply for a certificate of guarantee, and check the details of payment targets by date. Select the amount, enter the payment amount of foreign currency for each case, enter the payment account and password to apply for payment To provide functionality. In addition, in the case of the corresponding domestic credit application service, it provides the function of applying for the generation or change of conditions and payment of domestic credit, and the application for the purchase and collection of the domestic credit bill, similar to the import credit. In the case of the collection business service, the company 10 provides the function of applying for application by transferring the appropriate file to the bank after filling out the contents of the purchase / collection of export bills.

Fifth, in the case of money management business service, information on the transaction (e.g., deposit maturity, loan maturity, etc.) is automatically entered at the logon of the financial management business performance program. After allowing the user to input, it will be displayed in charts and graphs to provide the ability to manage money management schedules and forecast cash flows.

Sixth, in the case of the file transmission / reception service service, the service is interworked with other business services, and includes the payment service service and the registration and reception result service of the registration file. The funds files created and stored by the company can be settled by the designated administrator for each task, and the function of transferring the settled files to the bank is provided. ) And the financial file created in the payment business (transfer of funds, notes), after receiving the approval of the settlement right holder and sending the file to the bank by sending and receiving the file, the function to be approved for the completion of the transfer process, and has already been transmitted but not approved at the same time. The ability to cancel the transfer itself for files you've sent and the results of your bank's processing It will provide the function to receive the data and convert it into a corporate file.

Seventh, in the case of the user management business service, the administrator is given authority to perform the task at the minimum installation of the financial management business execution program, and displays the contents of the access or work and the occurrence of errors in the execution program by date and task. To provide functionality.

Eighth, in the case of the purchase card business service, the original purchase card management functions such as registration and inquiry of purchase history purchased from the company 10, inquiry of company information, accident history inquiry, conversion of purchase history file, and the like, It provides reverse purchase card management functions such as application for sales approval, registration and inquiry of sales history, inquiry of company information, inquiry of accident history, conversion of sales history file, and automatic approval.

Lastly, in the case of other business services, the company 10 provides a web access function for directly accessing Internet banking while using the financial management business execution program.

Further, the embodiment according to the present invention is not limited to the above-described embodiments, and various alternatives, modifications, and changes within the scope obvious to those skilled in the art in connection with the present invention, such as a data communication service such as a fax, It can be carried out.

As described above, the present invention provides an efficiency in cash flow prediction, money management, and schedule management in a company through an open solution of an Internet access method and a financial management service of a company provided as a user-centered file. In addition, as the files processed by the banks are directly written by the corporations to perform business exchanges between the banks and the corporations, it is possible to provide efficiency in the financial management tasks between the corporations and the banks.

Claims (8)

Install a database for storing various kinds of information related to financial management on a single or server level PC, and install a financial management program on a single or multiple PCs with an open solution with Internet access. Companies that perform financial management tasks; An internet network for connecting the corporation and the bank online to interface financial management services of the corporation; Total financial service apparatus using a communication network comprising a financial management system for providing a user-centered service in the bank for the overall financial management tasks required by the company connected online through the Internet network. The method of claim 1, The financial management system is a server that receives and classifies, processes, and then provides a result of authentication of a company connected online through an internet network and various data for performing user-centered financial management in the company. Wow; Total financial service apparatus using a communication network, characterized in that it comprises a database that stores the comprehensive data and authentication-related data about the financial management of each company. The method of claim 2, The server is connected to the PC banking service of the other party through a dedicated line or VAN, the total financial service device using a communication network, characterized in that to provide a PC banking service of the other party to the company connected through the Internet. The method of claim 2 or 3, The server performs account management, collection, payment, foreign exchange, money management, file transmission and reception, user management, purchase card, and other services according to the requirements of the company connected through the main process and the Internet. Total financial service apparatus using a communication network comprising a means for processing. A setup process of setting an environment in a PC in a company in accordance with a contract between a bank providing a financial management service service and a company that wants to receive the service through an Internet network; A login process of determining whether the user is a registered user by analyzing the authentication information of the company connected through the Internet after setting the environment between the company and the bank; Displaying a window for a financial management service selected from the initial screen after displaying a window-based initial screen for providing a financial management service if the user is a registered user; Querying (file conversion, printing) databases of companies and banks offline / online with respect to the selected financial management task, creating a corresponding task-related data file, and encrypting and transmitting the data to a bank; Approving the data file transmitted from the company and transmitting the data file to a server for each task to process a corresponding financial management task, and then writing the processed result into a data file and registering it in a database; And providing the processing result data file from a database according to the company's financial management processing status request. The method of claim 5, The set-up process includes the steps of concluding an agreement for a corporate business and a special business for the alliance of a comprehensive financial management business service between a company and a bank; Accessing a bank to which the company has entered into an agreement through an internet network, and then downloading and registering a certificate; Setting up and installing a financial management work execution program in a PC in an enterprise so as to receive financial management work services through the Internet network, and constructing a database suitable for the PC in the enterprise; Register the master ID and password for the administrator who manages the database, and when the user changes in the initial setup or later, the user designates by the administrator, grants ID and work authority for each user, and establishes a financial management work environment. Total financial service method using a communication network comprising the step of. The method of claim 5, The log-in process includes the steps of providing a login screen for user authentication according to a company accessing a financial management system of a bank through an internet network; Analyzing the user ID and password inputted from the login screen to determine the login location of the registered user and performing authentication; And verifying by displaying and confirming the schedule management information of the company on the day if the user is authenticated with the login of the registered user, and providing a window-based initial screen for providing a comprehensive financial management service. Total financial service method used. The method of claim 5, The process of creating a data file related to the work and transmitting it to the bank side may include creating a data file related to the business by inputting data on the selected financial management business or converting the data file into a data file for financial management business service. Storing in a database therein; Total financial services using a communication network comprising the step of transmitting the data file to the billing rights holders for each task through the infrastructure in the enterprise to obtain a payment, and then encrypted by a certificate method to the bank side through the Internet network Way.