KR20090035292A - Financing-linkage resource planning system for small enterprise's specific business needs - Google Patents

Abstract

A financial-linkage integrated business management system for operating an internet banking system which the financial institution provides and generally managing small-sized enterprise task and small entity customized credit evaluation using the same, a financial product recommendation and a lending method are provided to perform efficient financial-linkage integrated business management. An internet banking system of a financial institution receives audit data through internet from an accountant or a tax accountant through an external terminal. A foreign information system(300) provides credit guarantee and guarantee information. An account host system(400) is connected to the internet banking system through a relay server. An account system host supports bidirectional service through a branch processor.

Description

FINANCING-LINKAGE RESOURCE PLANNING SYSTEM FOR SMALL ENTERPRISE'S SPECIFIC BUSINESS NEEDS}

The present invention relates to a small business dedicated financial interlocking integrated business management system that can be integrated with the Internet banking system provided by financial institutions and small business credit evaluation, financial product recommendation, and loan method using the same.

Recently, according to the revised income tax law, self-employed business owners (hereinafter referred to as small businesses) must also report their business accounts. Accordingly, the necessity of direct fund management and systematic resource management of small businesses is increasing.

To this end, small companies have to build an internal resource management system at a high cost, and because such internal resource management systems are very complicated, there is a problem of having a separate professional manager to deal with them.

In addition, the currently provided internal resource management system not only provides information that is out of the needs of small businesses, but also provides a call or e-mail to the service center off-line in order to remedy such errors in the event of an error in the internal resource management system. There is a problem of waiting for an answer or having a professional manager in the company.

In addition, such an internal resource management system does not include an accounting management system capable of automating the accounting business, or even if the accounting management system includes a problem that is difficult to access without a professional manager.

In addition, since this internal resource management system can be operated offline, it is necessary to separately use the Internet banking system provided by the bank in order to grasp the bank account status and the flow of funds or transactions, and use the bank's Internet banking system. Because security requires a complicated step such as login and public authentication, there is a problem that a complex step such as multiple login and public authentication is required to process a task at a time.

Therefore, there is a problem that a small company has to repeatedly provide and access IDs, passwords, authorized authentication information, and the like on multiple interfaces in order to directly manage money.

In addition, small businesses have to collect and store documents in the case of credit sales / approval with customers, as well as to deal with documents or tax invoices and transaction specifications.

In the case of large companies, most of the books of accounts are disclosed, so that the credit rating information of those companies is disclosed, making it easier to receive loans when new businesses are underway.In the case of small companies, they hold assets such as property holdings and collaterals rather than corporate evaluations. In some cases, it was not possible to provide credit rating information in accordance with the prospects of small firms.

Accordingly, the present invention has been made to solve the above problems, and an object of the present invention is to provide a small business dedicated financial interlocking integrated business management system that can provide a small and convenient internal resource management system combined with an Internet banking system. It is.

In addition, an object of the present invention is to provide a small business dedicated financial interlocking integrated business management system that can more efficiently manage the business account of the small business and does not need to keep a separate credit card sales slip.

In addition, an object of the present invention is to provide a financial integrated integrated business management system dedicated to small businesses that can automate the accounting business and standardize the financial integrated integrated business management to perform VAT refund and issuance of documentary evidence on one online. will be.

In addition, an object of the present invention can provide a more objective small business credit rating data using internal resource management data, accounting management data, and supporting documents using a financial interlocking integrated business management system dedicated to small businesses, and based on this, It is to provide a credit rating method using the integrated financial management integrated business management system for small businesses that can provide financial services suitable for small businesses.

In addition, an object of the present invention is a loan method using a small business dedicated financial integration integrated business management system that can receive a financial product recommendation based on credit rating data and directly apply for the financial products using the small business dedicated financial integrated integrated business management system. To provide.

In order to achieve the object of the present invention, a small business dedicated financial interlocking integrated business management system according to an embodiment of the present invention, the financial management unit using the Internet banking services provided by financial institutions integrated management, accounting, accounting The accounting business department that automates the business, the business report generation department that automatically generates management reports such as sales, inventory, finance and finance, and the quarterly VAT report file, and the accounting business that automatically generates financial statements At least one of the management department, the financial management department, the accounting department, the management report generation department, and the accounting department, and at the request of a small business Including a customized service provider to provide a customized service according to a system It is characterized by.

According to such a configuration, a small company can perform a simple and efficient, simple financial support service provided by a financial institution integrated business management system distributed by a financial institution without incurring high costs, and can provide prompt financial support services. Institutions can distribute the financial interlocking integrated business management system dedicated to small businesses to enable them to use them to activate Internet banking services provided by financial institutions and to obtain profits other than interest income. Credit risk can be reduced by providing financial services based on credit rating information.

With reference to the accompanying drawings will be described in detail with respect to the small business dedicated financial integration integrated management system according to an embodiment of the present invention.

Referring to FIG. 1, a small business dedicated financial interlocking integrated business management system 1 according to an exemplary embodiment of the present invention may be accessed by a small business offline or online from a terminal 10 such as a computer.

The small business dedicated financial interlocking business management system 1 may receive audit data from an accountant or a tax accountant through the external terminal 20 through the Internet, and is physically protected by a firewall 13 and secured through an internal leased line. Internet banking system 100 of the financial institution connected, the integrated business management service support server 200, the external information system 300 for providing credit guarantee, guarantee information, and the like, and the Internet banking system 100 And an accounting host system 400 connected through the relay server 170 to support the Internet banking system 100.

The account system host system 400 is connected to each branch terminal 30 through the branch processor 410 connected to the internal dedicated line is configured to provide an interactive service when providing a customized service to be described later.

Now, a small business dedicated financial interlocking integrated business management system 1 according to an embodiment of the present invention will be described in detail with reference to FIGS. 2, 3A, and 3B.

The small business dedicated financial interlocking integrated business management system (1) receives a request for the service of the small business dedicated financial interlocking integrated business management system through the homepage of the financial institution at the terminal 10, the application for such a small financial dedicated integrated business management system service application According to the financial interlocking business management service support server 200 supports and activates the small business dedicated financial interlocking integrated business management application 210, and the small business dedicated financial interlocking integrated business management application 210 is linked to the Internet banking It is configured to perform integrated financial business management using the verification process and the electronic signature through the Internet banking certificate.

To this end, the small business dedicated financial interlocking integrated business management application 210 according to an embodiment of the present invention basically provides the Internet banking service with the status of all bank accounts through a system online as well as a sales management department corresponding to internal resources. It includes a financial management unit 211 integrated management.

As shown in FIG. 3A, the financial management unit 210 may not only grasp the current status of all bank accounts, but also centralize liquid funds, and may collectively query the trading status of second financial institutions such as card companies and securities companies. .

The financial management unit 211 is physically connected to the Internet banking system 100 through a firewall, the Internet banking system 100 is a security management server for controlling system access and determining system availability through user authentication ( 110, a database server 130 that receives the service requested by the financial management unit 210 and stores the processed data, and collects, distributes, transfers and purchases loans on a case-by-case basis at the request of the financial management unit 210. Small business enterprise Internet banking server (150, 160) that transmits the processing result by performing B2B business such as application for credit account receivable, application for electronic bond issuance, application for purchase of credit card, payment of giro, and issuance / receipt of bills. It includes more.

In addition, the Internet banking system 100, at the request of the customized service provider 217 in the small business dedicated financial integration integrated business management application 210, at least among the processing data from each part of the small business dedicated financial integration integrated business management application. It may further include a simple credit rating server 190 that can receive one and evaluate the credit of the small business itself within the financial institution.

On the other hand, the small business credit evaluation server 190 is configured so that small companies can easily access when necessary through the credit evaluation unit 216a of the customized service provider 217 of the small business dedicated financial integration integrated business management application 210. do.

The small business credit evaluation server 190 is connected to a local database 191 storing data selectively transmitted from each unit.

On the other hand, the small business dedicated financial interlocking integrated business management application 210 according to an embodiment of the present invention, the accounting business management unit 212 to automate the accounting business based on the database, such as slip creation, billing, accounting processing if you enter only the quotation It includes.

It further includes a management report generation unit 213 that can automatically generate a management report, such as sales, inventory, finance, finance using data stored in the database of the accounting business management unit 212.

On the other hand, in order to standardize the financial interlocking integrated business management, accounting business management department that can automatically generate quarterly VAT report file as well as sales management such as resource management such as production, purchase, sales, inventory management, etc. 214).

At this time, the accounting business management unit 214 may further manage the credit card slip including the credit card slip management unit 214a and the corporate card VAT refund unit 214a to support credit card sales management business and the corporate VAT refund history. Evidence documents can be provided by e-mail or SMS.

As shown in FIG. 4, the credit card slip management unit 214a may be easily collected in the middle of a business process in a collection / payment management menu or a separate customized service providing unit 216 of a small business dedicated financial interlocking integrated business management system 1. You can execute the import card sales menu through a separate menu configured to create a document, and automatically manage credit card sales by using the online financial inquiry of the purchase card company site. By setting the period and inquiring, it is possible to obtain information on affiliated stores, purchase card companies, purchase date, number, sales amount, fee, deposit amount, and expected date of deposit.

In addition, the small business dedicated financial integration integrated business management application 210 is the financial management unit 211, accounting business management unit 212, management report generation unit 213, accounting business management unit 214, credit card sales management unit 214a At least one of the corporate card VAT refund unit 214b, and the document issuing unit 216 checks an error more than three times and automatically supports two-way communication with the service center when an error occurs more than three times. You can immediately suggest a solution to the error online. On the other hand, such a service support unit 215 may support the customer center menu shown in Figure 3b can be provided as a customer center guide and answers to questions, remote support consultation and video lectures.

The customized service provider 216 of the small business dedicated financial integration integrated business management application 210 as shown in Figure 5a and 5b is further provided with a credit rating menu, financial product recommendation menu, loan application menu, the financial Small business tailored credit evaluation may be performed by selecting data from at least one of the management unit 211, the accounting business management unit 212, the management report generation unit 213, and the accounting business management unit 214.

The credit rating information may include not only a credit rating but also various credit rating information, and includes at least one of the financial management unit 211, the accounting business management unit 212, the management report generation unit 213, and the accounting business management unit 214. Based on data from one, it can involve a qualitative assessment, such as a prospect for small businesses in the future.

That is, referring to Figure 5a and 5b, if you apply for a small business-specific credit rating menu, the financial management menu sub-menu required for the small business-specific credit rating, company name, company type, head office address, business address, key management, Data on major sales, total sales, major buyers, total purchases, annual average manufacturing utilization, construction sales, and food turnover are automatically generated using the Basic Information menu to provide objective information.

That is, it can be used as reliable credit rating data because it cannot be arbitrarily changed and manipulated arbitrarily.

In addition, documents that can prove the same is also provided by the sales management unit, financial management unit, collection / payment management unit, accounting management unit, basic information department, etc., it is not necessary to spend extra effort and expense to prepare the documents.

Receiving such internal resource management and accounting data, the small business dedicated credit evaluation server 191 evaluates the credit of the small business based on this, and provides credit information such as credit rating, and recommends various financial products or limits the loan based on this. This allows small businesses to raise funds through simple loan applications.

That is, the customized service provider 216 evaluates the credit of the small business, and works in conjunction with the credit evaluation unit 216a and the credit evaluation unit 216a to display a credit rating based on credit evaluation data. The financial product recommendation unit 216b may further include a financial product recommendation based on the credit information provided from 216a.

The credit evaluation unit 216a, financial product recommendation unit 216b, and loan application unit 216c are driven to display details under the credit evaluation, financial product recommendation, loan application menu as a customized menu.

Meanwhile, the corporate internet banking system 100 may be connected to the external information system 300 to request a credit guarantee fund or electronic guarantee, and receive guarantee information from the external information system 300 to receive the loan limit. Can be increased.

Among the financial products displayed by the financial product recommendation unit 216b, a loan application unit 216c, which can apply for a financial loan product, may further apply for a predetermined financial product.

The loan application unit 216c includes the financial management unit 211, the accounting business management unit 212, the management report generation unit 213, the accounting business management unit 214, the credit card slip management unit 214a, and the corporate card VAT refund. In conjunction with the section 214b, the billing document is transmitted through the data sending menu.

Hereinafter, a small business dedicated credit evaluation, financial product recommendation, and loan method using a small business integrated business management system according to an embodiment of the present invention will be described with reference to FIG. 6.

First, the small business integrated business management system 1 receives login information for use online through the small business terminal 10 (S10).

 At this time, the small business dedicated integrated business management system (1), the small business dedicated integrated business management application (210) is updated to the version of the small business tailored services, such as income deduction service at the end of the year, VAT reporting service during the VAT return period To guide and support the service to provide (S20).

The small business-only integrated business management system 1 provides menus such as sales management, financial management, collection / payment / basic information, reports, and books as shown in the interface screen of FIGS. 3A and 3B. Received by a double click or the like, and provides a screen related to the menu (S30).

Each such menu is configured to process the slip in the middle of the menu (S40).

According to the document processing (S40), the payment processing (S41) and the payment processing (S42) is performed and the data of the database server 130, that is, the data processed by the accounting business management unit 214, that is, automatic processing of the payment now Based on the generated financial statements, the balance sheet, the income statement, the total balance document, and so on, it may be asked whether the funds of the small business are sufficient (S43).

At this time, if it is determined that the funds are sufficient, receives the settlement of the settlement through the financial interlocking integration management unit 200 (S50) and receives the business processing according to the settlement through the Internet banking system (100) (S60).

After performing such a business process, other review work may be performed (S70) and the service may be stopped by confirming receipt of online processing completion data (S80).

On the other hand, if it is determined that the funds are insufficient, the customized service provider 216 warns of the small business own funds shortage (S44),

The credit evaluation unit 216a transmits the credit evaluation request to the host system 400 (S45).

At this time, the host system 400 may further receive a credit guarantee fund or electronic guarantee information through the external corporate credit evaluation system 300 (S45 ').

Meanwhile, the host system 400 receiving the credit evaluation request through the simple credit rating unit 216a may finance the appropriate financial product based on the data provided by the small business using its own small credit rating server 190. Recommended through the product recommendation unit (216b), it is configured to apply for a loan by selecting at least one of the financial products (S46).

1 is a network diagram of a small business dedicated financial integration integrated management system according to an embodiment of the present invention.

2 is a conceptual block diagram of a small business dedicated financial integration integrated management system according to an embodiment of the present invention.

Figure 3a and Figure 3b is an exemplary view of the interface screen of the small business dedicated financial integration integrated management system according to an embodiment of the present invention, respectively.

Figure 4 is an exemplary view of the interface screen of the slip management menu of the small business dedicated financial integration integrated business management system according to an embodiment of the present invention.

5A and 5B are exemplary diagrams of an interface screen for explaining a customized, credit rating, financial product recommendation, and loan method using a small business dedicated financial integration integrated business management system according to an embodiment of the present invention.

6 is a flowchart illustrating a small business tailored credit evaluation, financial product recommendation, and loan method using a small business dedicated financial integration integrated business management system according to an embodiment of the present invention.

Claims (14)

Financial management department that integrates and manages financial business by using internet banking services provided by financial institutions, accounting business management department that automates accounting business, and management report generation department that automatically generates business reports such as sales, inventory, finance and finance. And, if an error occurs more than three times in at least one of the accounting business management department that can automatically generate the quarterly VAT report file and automatically generate the financial statements, and the financial management department, the accounting business management department, the management report generation department, and the accounting business management department. Small and medium-sized financial integrated integrated business management system that includes a service support unit connected to the service center and two-way communication for automatically solving the problem, and a customized service providing unit that can provide a customized service according to the request of the small business. The method of claim 1, The customized service provider further includes a small business tailored credit evaluation unit for receiving a data from at least one of a financial management unit, an accounting business management unit, a management report generation unit, and an accounting business management unit to provide a small business specific credit rating. system. The method of claim 2, The customized service providing unit further includes a financial product recommendation unit for receiving credit data from the small credit-only simple credit evaluation unit and correspondingly recommends a customized financial product integrated financial management integrated business management system. The method of claim 3, wherein The customized service provider further includes a loan product application unit for applying for a loan product among the financial products recommended by the financial product recommendation unit. The method of claim 1, The customized service provider further includes a fund shortage warning unit for evaluating whether the internal funds are sufficient when the payment is made using the processing data of the accounting management unit and warns of lack of funds. The method of claim 1, The personalized service providing unit further comprises a card slip management unit that can create and manage the card slip when the card purchase / payment integrated financial management integrated business management system. The method of claim 1, The customized service provider is a financial interworking integrated business management system dedicated to small businesses linked with Internet banking further comprises a loan application unit that can apply for financial loan products among the financial products displayed by the financial product recommendation unit. In the credit evaluation method using the integrated financial management integrated business management system for small businesses according to claim 1, Transmitting a credit valuation request by selecting a credit valuation menu from a customized menu of the small business-specific integrated financial management system; Transmitting at least one of the results of processing such as the financial management department, the accounting management department, the management department, and the report / book preparation unit for the credit rating; Receiving credit evaluation information evaluated based on at least one of the processing results of the financial management department, accounting management department, business management department, report / book preparation unit, etc. Credit using the integrated financial management integrated business management system for small businesses only Assessment Methods. The method of claim 8, The step of transmitting data for credit evaluation may include selectively receiving accounting audit information such as an accountant and credit information of an external information system, and using the same for the credit rating evaluation. Small business credit rating method. The method of claim 9, The credit rating information evaluated based on at least one of the results of the financial management department, accounting management department, business management department, report / book preparation unit, etc. is for the management of financial interlocking integrated business dedicated to small businesses that provide credit rating values other than the credit rating. Credit rating method for small businesses using the system. In the financial product recommendation method using the integrated financial management integrated business management system for small businesses according to claim 1, Based on the credit rating information evaluated using at least one of the processing results of the financial management department, the accounting management department, the management department, and the report / book preparation department, the customized service provider may manage the financial interlocking integrated business exclusively for small businesses. Financial product recommendation method using system. The method of claim 11, The financial product is a financial product recommendation method using a small business dedicated financial integration integrated business management system including at least one of loan products, cyber loans, card loans. In the loan method using the integrated financial management integrated business management system for small businesses according to claim 1, Determining whether the funds are sufficient based on the balance sheet, the income statement, and the total balance statement of the accounting department before performing the payment through the financial interlocking integrated business management system for small businesses; Alerting through customized service provider when it is determined that funds are insufficient; Sending a simple credit rating request in response to the alert; Recommending a credit rating grade and a financial product in response to the simple credit rating request; Loan method using a small business dedicated financial interlocking integrated business management system comprising the step of applying for a loan product which is at least one of the recommended financial products. The method of claim 13, The step of transmitting the simple credit evaluation request is a loan method using a financial interlocking integrated business management system dedicated to small businesses that selects and transmits data created in at least one of the financial management unit, business management and accounting business management through the data transmission menu.

Images