KR20200040459A - System and method for chechking business-to-business transactions and computer program for the same - Google Patents

Abstract

The present invention relates to a business-to-business (B2B) transaction checking system, which comprises: an input unit receiving identification information related to a B2B sales product of a financial institution and necessary checking item information for checking financial information of the B2B sales product; a scraping unit receiving the financial information of the B2B sales product from a financial institution server in a scraping method using the necessary checking item information; a storage unit storing metadata defining a necessary checking item corresponding to the B2B sales product and the financial information of the B2B sales product scraped by the scraping unit; and a checking unit providing a user with the financial information of the B2B sales product stored in the storage unit. The input unit provides the user with an input screen generated by using the necessary checking item corresponding to the B2B sales product, which is identified by the identification information based on the metadata, to receive the necessary checking item information from the user. Accordingly, an identification information registration process for receiving the B2B sales product information and a necessary checking item input process are dynamically formed based on the metadata, and the person in charge can integrally check the latest financial information about the B2B sales product of all final institution held by a company through one screen through a B2B transaction checking system without logging in each financial institution.

Description

B2B transaction inquiry system and method and computer program therefor {SYSTEM AND METHOD FOR CHECHKING BUSINESS-TO-BUSINESS TRANSACTIONS AND COMPUTER PROGRAM FOR THE SAME}

Embodiments relate to a business-to-business (B2B) transaction inquiry system and method and a computer program for the same, and more specifically, for a B2B sales product in which a financial institution guarantees payment to a sales company on behalf of a purchasing company It is about technology that enables you to search transaction status by integrating it.

B2B (Business-to-Business) business refers to a business model based on a business-to-business transaction. In B2B business, transactions by information and communication media, such as the Internet related to the issuance, receipt, and payment of B2B electronic payment means to receive goods or service payments between the purchasing company and the sales company involved in business-to-business transactions, and payment through bank teller transactions It involves the business, the loan of funds from the bank as collateral for the means of transaction issued by the selling company and the purchasing company. In the sense of consultation, the B2B business refers to the B2B electronic payment and settlement business in which electronic payments between companies are made electronically.

As a financial product related to B2B business, there is a so-called B2B sales product in which a bank guarantees payment to a selling company on behalf of a purchasing company for business-to-business transactions. When using B2B sales products, the sales company can secure the sales amount in advance through the bank's payment guarantee, so it has the advantage of adjusting the timing at which the sales company can cash the sales amount. It has increased in various forms and continues to expand.

In companies that use B2B sales products, whether B2B products can be discounted, the balance that can be discounted, and the expiration date are essential financial information for the company's management activities. In the past, in order to inquire financial information related to B2B sales products, the business person had to access the Internet banking web page for each bank and input different inquiry required items for each bank and / or product. There is a problem that it is not easy to remember each required item. Also, even for products of the same type, the terminology for items used by banks may be different, which increases the burden on business personnel.

On the other hand, scraping (scraping) refers to the technology that the system automatically performs access and authentication process on behalf of the user to obtain the necessary information, and in particular, automatically accesses the system to make the data appear on the screen and extracts only the necessary data There is a coming screen scraping technique. Screen scraping technology has been common in the United States since the late 1990s, and in Korea, Fingerer, which was founded in 2000, first developed this technology and started using financial services, and has been used mainly by financial institutions. As an example, Patent Registration No. 10-1666083 discloses a technique of scraping sales-related information of a company corresponding to a sales member in an open market server.

However, until now, there have been no examples where scraping technology has been applied for the purpose of managing financial information related to B2B sales products in a company.

Registered Patent Publication No. 10-1666083

According to an aspect of the present invention, when a financial institution searches information related to business-to-business (B2B) sales products that provide payment guarantees to a sales company on behalf of a purchasing company, different inquiry required items by financial institutions and / or products To provide a B2B transaction inquiry system and method and computer programs for standardizing the B2B sales product in the company's internal system.

A business-to-business (B2B) transaction inquiry system according to an embodiment includes: an input unit configured to receive identification information related to B2B sales products of a financial institution and inquiry required item information for querying financial information of the B2B sales products; A scraping unit configured to receive financial information of the B2B sales product from a financial institution server in a scraping method using the inquiry essential information; A storage unit configured to store metadata defining the inquiry essential items corresponding to the B2B sales products and financial information of the B2B sales products scrapped by the scraping unit; And an inquiry unit configured to provide financial information of the B2B sales products stored in the storage unit to a user.

The input unit, by using the metadata, provides the user with an input screen generated using the required inquiry item corresponding to the B2B sales product identified by the identification information, so that the user receives the inquiry essential item information from the user It is composed more.

In one embodiment, the inquiry essential item information includes a plurality of inquiry essential item information related to a plurality of different B2B sales products, and the scraping unit uses the plurality of inquiry essential item information to determine a plurality of different financials. It is further configured to scrape financial information of each B2B sales product from the institution server.

In one embodiment, the inquiry unit is further configured to provide the financial information of the B2B sales product scrapped from the plurality of financial institution servers to the user through one screen.

In one embodiment, the metadata is a character string composed of a plurality of digits each corresponding to a plurality of preset input items, and each value of each of the plurality of digits is based on whether the input item corresponding to the digit is a required input item. Is defined.

In one embodiment, the plurality of input items, certificate identification information, certificate password, certificate expiration date, user identification information, user password, product classification, purchase company name, inquiry start date, inquiry end date, contractor identification information, banking type information, transfer It contains one or more of password, account number and security media information.

The B2B transaction inquiry system according to an embodiment further includes a reporting unit configured to generate accounting information using the financial information of the B2B sales product stored in the storage unit and transmit the accounting information to the accounting system of the company.

In one embodiment, the accounting information includes information on one or more of a trade receivable date, trade receivable history, sales product expiration date, discountable amount, discountable date, and discount balance.

A B2B transaction inquiry method according to an embodiment includes storing metadata in a B2B transaction inquiry system that defines a required inquiry item corresponding to a B2B sales product of a financial institution; The B2B transaction inquiry system receiving identification information related to the B2B sales product from a user; Providing, by the B2B transaction inquiry system, to the user an input screen generated by using an inquiry essential item corresponding to the B2B sales product identified by the identification information, using the metadata; Receiving, by the B2B transaction inquiry system, inquiry essential item information for financial information inquiry of the B2B sales product from the user through the input screen; The B2B transaction inquiry system receiving financial information of the B2B sales product from a financial institution server in a scraping method using the inquiry essential item information; Storing the financial information of the received B2B sales product in the B2B transaction inquiry system; And providing financial information of the B2B sales products stored in the B2B transaction inquiry system to the user.

In one embodiment, the inquiry required item information includes a plurality of inquiry essential item information related to a plurality of different B2B sales products, and receiving financial information of the B2B sales product comprises: the plurality of inquiry essential item information And scraping financial information of B2B sales products from a plurality of different financial institution servers, respectively.

In one embodiment, the step of providing the financial information of the B2B sales products to the user, the B2B transaction inquiry system, the financial information of the B2B sales products scrapped from the plurality of financial institution server through the screen And providing it to the user.

A B2B transaction inquiry method according to an embodiment includes the steps of: generating, by the B2B transaction inquiry system, financial information using financial information of the B2B sales products stored in the B2B transaction inquiry system; And transmitting, by the B2B transaction inquiry system, the accounting information to a corporate accounting system.

The computer program according to an embodiment may be stored in a computer-readable recording medium as a combination of hardware and for executing a B2B transaction inquiry method according to the above-described embodiments.

Conventionally, business representatives of companies that use business-to-business (B2B) sales products, where financial institutions provide payment guarantees to sales companies on behalf of purchasing companies, log in to the financial institutions every time they need to understand the current status of product sales. Therefore, it was necessary to check the status of each individual product.

On the other hand, according to the B2B transaction inquiry system and method according to an aspect of the present invention, the registration process of the identification information for receiving the B2B sales product information and the input process of the inquiry required item are dynamically configured using metadata. , Business representatives can search the latest financial information on B2B sales products of all financial institutions owned by the company on one screen through the B2B transaction inquiry system without logging into individual financial institutions.

In addition, according to the B2B transaction inquiry system and method according to an aspect of the present invention, when necessary, a business person relays sales product information to a company's internal system (for example, an accounting system or an enterprise resource planning (ERP) system). Conventionally, a business person has to manually check the financial information in a bank, etc., and then manually input the accounting for sales into the company's internal system, but when using the B2B transaction inquiry system according to an aspect of the present invention, sales It is possible to reduce the manual work of the person in charge of work through the linkage of the details, and to eliminate the fear of omission or omission caused by the manual work.

Therefore, by using the B2B transaction inquiry system and method according to an aspect of the present invention, the company's management and financial departments can predict the future cash flow of the company through the relayed B2B sales product maturity information, and if necessary discount and There is an advantage that such information can be used to increase the cash flow of a company through an endorsement.

1 is a schematic block diagram of a business-to-business (B2B) transaction inquiry system according to an embodiment.
2 is a flowchart of a B2B transaction inquiry method according to an embodiment.
3 is a conceptual diagram illustrating an example of an input screen of identification information in a B2B transaction inquiry system according to an embodiment.
4A and 4B are conceptual views illustrating an example of an input screen of a required inquiry item in a B2B transaction inquiry system according to an embodiment.
5 is a conceptual diagram illustrating an example of an integrated inquiry screen by a B2B transaction inquiry system according to an embodiment.
6 is a conceptual diagram illustrating interworking of a B2B transaction inquiry system and an enterprise accounting system according to an embodiment.
7 is a conceptual diagram illustrating an example of a cash flow report generated by a B2B transaction inquiry system according to an embodiment.

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

1 is a schematic block diagram of a business-to-business (B2B) transaction inquiry system according to an embodiment.

Referring to FIG. 1, the B2B transaction inquiry system 3 according to the present embodiment is configured to operate while communicating with one or more user devices 1 and 2 of a user using the B2B transaction inquiry system 3. In addition, the B2B transaction inquiry system 3 is configured to operate in communication with the financial institution server 4 for inquiry of financial information related to B2B sales products. Furthermore, the B2B transaction inquiry system 3 may operate by communicating with an accounting system 5 such as an enterprise resource planning (ERP) system for a function such as linking an accounting document.

The communication process between the B2B transaction inquiry system 3 and the user devices 1, 2 or external servers 4, 5 is performed through a wired and / or wireless network. The communication method through the wired and / or wireless network may include an object and all communication methods through which the object can be networked, and is not limited to wired communication, wireless communication, 3G, 4G, or other methods. For example, wired and / or wireless networks include Local Area Network (LAN), Metropolitan Area Network (MAN), Global System for Mobile Network (GSM), Enhanced Data GSM Environment (EDGE), and High Speed Downlink Packet Access (HSDPA). , Wideband Code Division Multiple Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Zigbee, Wi-Fi, VoIP (Voice) over Internet Protocol), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced, HSPA +, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB (formerly EV-DO Rev. C), Flash-OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), World Interoperability for Microwave Access (Wi-MAX), and ultrasonic communication refers to a communication network by one or more communication methods selected from the group consisting of communications. However, it is not limited thereto.

In one embodiment, the B2B transaction inquiry system 3 includes an input unit 31, a storage unit 32, a scraping unit 33, and an inquiry unit 34. The storage unit 32 may include a metadata database (DB) 321 and financial information DB 322 according to the type of information to be stored. In addition, in one embodiment, the B2B transaction inquiry system 3 may further include a reporting unit 35.

Systems, user equipment and servers according to embodiments may have aspects that are entirely hardware, or partially hardware and partially software. For example, each unit included in the B2B transaction inquiry system 3 may collectively refer to hardware and software associated with processing data of a specific format and content and / or electronic communication. The terms "part", "module", "device", "terminal", "server" or "system" in this specification are intended to refer to a combination of hardware and software driven by the hardware. For example, the hardware can be a data processing device that includes a CPU or other processor. Also, software driven by hardware may refer to a running process, an object, an executable, a thread of execution, a program, or the like.

Each element constituting the B2B transaction inquiry system 3 according to the present embodiment is not intended to refer to separate devices that are physically separated from each other. That is, the input unit 31, the storage unit 32, the scraping unit 33, the inquiry unit 34, and the reporting unit 35 of FIG. 1 use hardware constituting the B2B transaction inquiry system 3 by corresponding hardware. It is only functionally divided according to the performed operation, and each part is not necessarily provided independently of each other. Of course, depending on the embodiment, one or more of the input unit 31, the storage unit 32, the scraping unit 33, the inquiry unit 34, and the reporting unit 35 are implemented as separate devices that are physically separated from each other. It is also possible.

B2B sales products by communicating with the B2B transaction inquiry system (3) using a user device (1, 2), the business person in charge of a company that uses so-called B2B sales products that financial institutions guarantee payments to sales companies on behalf of the purchasing companies Financial information related to can be inquired. For example, the financial institution described in this specification may include a credit card company, a bank, an IRS, an electronic receipt business, and the like, and the business person in charge may be a person in charge of the company's financial team or sales team, but is not limited thereto.

The B2B transaction inquiry system 3 receives necessary financial information from the financial institution server 4 in a scraping manner based on the inquiry essential item information input by the user, processes it, and stores it in the B2B transaction inquiry system 3. Since the user searches the information stored in the B2B transaction inquiry system 3 by automated scraping, the status of multiple B2B sales products operated by various financial institutions can be collectively searched through the B2B transaction inquiry system 3 have. In the drawing, for convenience of explanation, the financial institution server 4 and the corporate accounting system 5 are each illustrated as one device, but this may also refer to a plurality of different institutions or systems of institutions.

In addition, in the drawing, the user devices 1 and 2 are respectively shown in the form of a notebook computer. However, this is exemplary and does not limit the form of the user devices 1 and 2, and the user devices 1 and 2 are mobile communication terminals such as a smartphone, personal computers, and personal digital assistants (PDAs). It may be implemented in the form of any computing device, such as a digital assistant (tablet), a set-top box for an Internet Protocol Television (IPTV), or the like. In addition, the number of users who can use the B2B transaction inquiry system 3 according to the embodiments is also not limited by the number of user devices 1 and 2 shown in the drawing.

 In one embodiment, the B2B transaction inquiry system 3 is at least partially a function of an application server that enables function execution of an application by communicating with an application (or an app) running on the user device 1, 2 To perform. Or / and, in addition, the B2B transaction inquiry system 3 is a web server that provides a predetermined web page accessible at least partially through a web browser or the like executed on the user devices 1 and 2 ( web server).

Meanwhile, in another embodiment, the B2B transaction inquiry system 3 itself may be implemented in the form of a user device. For example, a user device itself on which an application (or an app) for B2B transaction inquiry is executed may be the B2B transaction inquiry system 3 according to embodiments. In this case, since the user does not need a separate device to use the B2B transaction inquiry system 3, the user devices 1 and 2 shown in FIG. 1 may be omitted.

The input unit 31 receives identification information related to a B2B sales product of a financial institution and inquiry essential item information for querying the financial information of the B2B sales product from a user. When the B2B transaction inquiry system 3 is implemented in the form of a user device, the user can directly input identification information and inquiry required item information into the B2B transaction inquiry system 3. Alternatively, when the B2B transaction inquiry system 3 is implemented in the form of a server accessible from the user devices 1 and 2, the B2B transaction inquiry system 3 uses identification information and inquiry required item information to the user devices 1 and 2 ).

The scraping unit 33 is configured to receive financial information of a B2B sales product from a financial institution server in a scraping method using required information of inquiry items. In order to automatically collect necessary information by scraping, the required information for inquiry includes authentication information of the company (eg, ID, password, official authentication information, etc.), and the scraping unit 33 uses such authentication information to finance It is possible to log in to the institution server 4 and collect necessary items from the information provided by the financial institution server 4 by scraping.

In the metadata DB 321 of the storage unit 32, metadata defining inquiry essential items corresponding to B2B sales products is stored. In addition, the financial information of the B2B sales products scrapped by the scraping unit 33 is stored in the financial information DB 322 of the storage unit 32. The metadata of the metadata DB 321 is used to dynamically configure the input screen differently for each product when the user inputs the inquiry essential item information to the input unit 31, which will be described later in detail. The financial information DB 322 may be processed and stored as financial information of a B2B sales product as information that the B2B transaction inquiry system 3 can recognize.

The inquiry unit 34 may provide the user with financial information of B2B sales products stored in the storage unit 32. When the B2B transaction inquiry system 3 is implemented in the form of a user device, the inquiry unit 34 may provide the user with financial information of a B2B sales product on a display unit (not shown) of the user device. Alternatively, when the B2B transaction inquiry system 3 is implemented in the form of a server accessible from the user devices 1 and 2, the B2B transaction inquiry system 3 displays financial information of the B2B sales products stored in the storage unit 32. It can also be transmitted to user devices 1 and 2.

The reporting unit 35 may generate accounting information using the financial information of the B2B sales products stored in the storage unit 32 and transmit the accounting information to the accounting system 5 of the company. For example, the accounting information may include information such as the date of the trade receivable, the history of the trade receivable, the expiration date of the sales product, the discountable amount, the discountable date, and / or the balance. The business person in charge of the company can process documents based on the relayed accounting information, which can be used for the purpose of predicting the future cash flow of the company or improving cash liquidity.

2 is a flowchart of a B2B transaction inquiry method according to an embodiment. For convenience of description, a B2B transaction inquiry method according to this embodiment will be described with reference to FIGS. 1 and 2.

First, metadata defining the inquiry essential items of the B2B sales product may be stored in the metadata DB 321 of the storage unit 32 (S1). In order to access the financial institution server 4 and inquire B2B sales product information, the company's certificate identification information (eg, certification authority name, certificate name, USB pin number, etc.), certificate password, certificate expiration date, user identification Information, user passwords, etc. may be required, and the product classification, purchase company name, inquiry start date, inquiry end date, contractor identification information, banking type information, transfer password, account number and security media information (eg , USB or OTP, etc.). Metadata is to define identification information required for receiving B2B sales product information for each product as required by the financial institution server 4. The form of metadata will be described later.

In addition, the person in charge of the financial team or sales team of the company may input identification information of the B2B sales product to be searched into the input unit 31 (S2).

3 is a conceptual diagram illustrating an example of an input screen of identification information in a B2B transaction inquiry system according to an embodiment.

Referring to FIG. 3, the user receives financial institution code, internet banking type, product classification, inquiry date classification, product classification institution-specific name, inquiry information institution-specific name, main contractor business number institution-specific name, sub-contractor business number institution-specific name, discountable amount received By inputting whether or not, a banking path, etc., a B2B sales product to search information can be defined. In FIG. 3, the B2B inquiry parameter defines information required to inquire information of a corresponding B2B sales product, and refers to metadata described above.

In the screen shown in FIG. 3, metadata, that is, a B2B inquiry parameter may be input by a user, or a method of loading metadata corresponding to the metadata from the metadata DB 321 based on other identification information input by the user It can also be entered. As illustrated in FIG. 3, metadata is a string composed of a plurality of digits each corresponding to a plurality of preset input items, and the value of each digit is based on whether the corresponding input item is a required input item. Can be determined.

For example, the metadata may be a code having 20 digits as described in Table 1 below.

Metadata Input item Remark 2 Account information Certificate name, USB pin number 2 Account Information 2 Web id 2 Account Supplementary Information Certification Body 2 Account Supplementary Information 2 Certificate expiration date 2 Account password Certificate password 2 Account password 2 User password One Product classification 0 Purchase company name One Start date YYYYMMDD format One End date YYYYMMDD format One Sub-contractor business number 0 Main contractor business number 2 Banking Type 0 Transfer password 0 Account Number 0 Security media 0: USB, 1: OTP 0 Branch business number 2 Classification 1 0 Classification 2 2 Classification 3

In the code shown in Table 1, a value of 0 for each digit means that the corresponding item is not required when searching for information on B2B sales products, and a value of 1 for each digit indicates that the corresponding item is a required item , When the value of each digit is 2, it indicates that it is an optional input item, that is, it is not a required input item, but is used as a search condition when input. That is, the metadata illustrated in Table 1 is a 20-digit code having a value of "22222210111020000202". However, this is an example, and the number of digits of metadata or the value of each digit and its meaning is not limited to the above.

The inquiry categories 1 to 3 in Table 1 indicate the detailed inquiry category of B2B sales products, and input items corresponding to the purchase sales division, detailed item division, detailed product code, detailed product name, etc., as exemplarily shown in Table 2 below Can be

Bank
code Banking
Kinds product
division income outcome
division Details
division Details
code Details Print
order 10000081 One 6-2 AR One 00 all 0 10000081 One 6-2 AR One 03 Loans secured by accounts receivable One 10000081 One 6-2 AR One 05 e-safety factoring 2 10000081 One 6-2 AR One 07 Future Bond Loan Public Purchase Theory 3 10000081 One 6-2 AR One 09 E-bonds 4 10000081 One 6-2 AR One 12 Shared Growth Theory (General) 5 10000081 One 6-2 AR One 13 Shared Growth Theory (Cooperation) 6 10000081 One 6-2 AR One 50 Accounts receivable 7 One Basic inquiry 0 2 Detailed inquiry screen One

The output order of Table 2 means the output order of each item in the list when items to be input from the user are displayed in a list form such as a combo box. It will be readily understood by those skilled in the art that the specific code values, detailed product names, and the like described in Table 2 are merely exemplary and do not limit the scope of the embodiments of the present invention.

Meanwhile, in the identification information of the input screen shown in FIG. 3, the classification of the inquiry date may be defined by the table in Table 3 below.

Classification of inquiry date Lookup Date Classification Start inquiry period End inquiry period 0 Inquiry period -3 3 One Date of receipt -3 0 2 Maturity date 0 6 3 Date of purchase -3 0 4 Information provided -3 0 5 Transaction Approval Date -3 0 6 Request date -3 0 7 Scheduled Deposit 0 3 8 Payment date 0 6 9 Date of receipt of goods 0 6 A Approval date -3 0 B Collection request date -3 0 C Publication date -3 0 D Date of presentation -3 0 E Issuance request date -3 0 F registration date -3 0 G Date of receipt -3 0 H Bond issue date -3 0 I Bond registration date -3 0 J Contract date -3 0 L Date of execution -3 0 M Date of payment 0 3 N Loan execution date -3 0 O Date of purchase -3 0 P Order date -3 0 Q Endorsement date -3 0

In Table 3, the start inquiry period and the end inquiry period refer to the basic inquiry period for each B2B sales product, and the number of the starting inquiry period and the ending inquiry period indicates the time difference from the inquiry point in months based on the present. That is, if the start inquiry period is -3 and the end inquiry period is 3, it means that the inquiry period is from 3 months before to 3 months after the current time. However, this is an example, and it is possible that the inquiry period is defined in other different ways.

Next, the input unit 31 constructs an input screen for receiving required inquiry item information from a user to search financial information of a B2B sales product and presents it to the user (S3). Presenting the input screen to the user may mean displaying the screen on a display unit (not shown) of the user device when the B2B transaction inquiry system 3 is implemented in the form of a user device, or, B2B transaction inquiry system When (3) is implemented in the form of a server that can be accessed from the user devices (1, 2), information is output to the user device (1, 2) on the user device (1, 2) connected to the B2B transaction inquiry system (3). It may also mean transmitting to (1, 2).

At this time, the input screen for receiving the inquiry essential item information is dynamically configured differently for each B2B sales product using the identification information of the B2B sales product and the corresponding metadata.

4A and 4B are conceptual views illustrating an example of an input screen of a required search item in a B2B transaction inquiry system according to an embodiment, FIG. 4A shows an input screen corresponding to a basic design screen of a program, and FIG. 4B shows metadata Based on this, the input screen generated by expressing the input items is shown. As shown in the figure, by configuring the input items constituting the input screen differently according to the B2B sales product to be searched based on the metadata, the user can easily recognize what kind of required inquiry items are needed for the search and input the process easily. can do.

The input unit 31 may receive essential inquiry item information from a user through an input screen as shown in FIGS. 4A and 4B (S4). This may mean that the key input is directly received from the user when the B2B transaction inquiry system 3 is implemented in the form of a user device, or the B2B transaction inquiry system 3 is accessible from the user devices 1 and 2 When implemented in the form of a server, it may mean that the B2B transaction inquiry system 3 receives essential inquiry item information from the user devices 1 and 2 in a communication method through a network.

The scraping unit 33 may scrape financial information of the B2B sales product from the financial institution server 4 using the essential inquiry item information input to the input unit 31 (S5). Any scraping technique known or to be developed in the future of the scraping method may be used, and a detailed description of the scraping process will be omitted to clarify the gist of the invention.

In addition, the scraping unit 33 may process the financial information of the scrapped B2B sales product and store it in the financial information DB 322 of the storage unit 32 (S6). At this time, processing of financial information means converting financial information received in different forms for each bank into information recognizable by the B2B transaction inquiry system 3 according to embodiments.

The inquiry unit 34 may provide a user with an integrated inquiry screen of B2B sales product financial information stored in the storage unit 32 (S7). This is similar to the input screen described above, when the B2B transaction inquiry system 3 is implemented in the form of a user device, the corresponding screen is displayed on the display unit (not shown) of the user device, or the B2B transaction inquiry system implemented in the form of a server 3 ) May mean transmitting information to the user devices 1 and 2 to output such a screen on the user devices 1 and 2.

5 is a conceptual diagram illustrating an example of an integrated inquiry screen by a B2B transaction inquiry system according to an embodiment.

Referring to FIG. 5, the B2B transaction inquiry system according to the embodiments enables an integrated inquiry on a single screen regardless of a financial institution operating the product for the entire B2B sales product designated by the company. At this time, the status of sales products includes information such as purchaser information, subject types of B2B sales products (e.g., electronic receivables, electronic bills, purchaser loans, etc.), sales number, sales date, discountable date, maturity date, and sales amount. It can contain.

In addition, in the B2B transaction inquiry system according to the embodiments, the amount of sales information summed up by purchaser regardless of the financial institution type of the B2B sales product, or the sum of sales history by date regardless of the type of purchaser Statistical information such as information, sum information of sales sums for each financial institution, or sum sums of sales history for each type of sales products may be provided through an integrated inquiry screen.

In one embodiment, the reporting unit 35 may generate accounting information of the company using the B2B sales product financial information stored in the storage unit 32 (S8), and transmit the accounting information to the enterprise accounting system 5 (S9). At this time, the accounting information may refer to any information necessary for the generation of a company's accounting document among information related to B2B sales products, for example, sales receivable date, sales receivable details, sales product maturity date, discountable amount, discountable date, and / Or the balance.

6 is a conceptual diagram illustrating interworking of a B2B transaction inquiry system and an enterprise accounting system according to an embodiment.

Referring to FIG. 6, a company may be in a state of being subscribed to a management product of a financial institution 4 such as a number of banks or financial institutions (41-4N), and the types of management products subscribed by the company are also purchase cards and trauma sales. It may be different by a secured loan, purchaser loan, or electronic bill. At this time, the corporate finance team or sales team business representatives (1, 2) through the B2B transaction inquiry system (3) according to the embodiments, collectively query the information of B2B sales products distributed to financial institutions such as a number of banks or financial settlement agents , It can be easily transferred to the company's accounting system (5).

On the other hand, in one embodiment, the accounting information generated by the reporting unit 35 and delivered to the accounting system 5 of the company may be used to generate a cash flow report. FIG. 7 is a conceptual diagram showing an example of a cash flow report generated by a B2B transaction inquiry system according to an embodiment. Referring to FIG. 7, the cash flow report corresponds to the above-mentioned sales history in connection with the integrated inquiry screen of FIG. 5. In addition to statistical information about the company, it may include available fund information of the company managed by the company's accounting system 5. Available fund information is managed by the accounting system 5, for example, it may be managed for each account, such as time and money deposit account and foreign currency account.

The business person in charge of the company can process the document based on the cash flow report as shown in FIG. 7, and the company's future cash through information such as account balances and accounts of sales history, maturity date, discountable amount, discount balance, etc. The flow can be predicted.

For example, the business person in charge of the company, when creating a document using the accounting system (5), (1) denotes the bills to be received when new B2B sales occur, and credits the accounts payable, or (2) the B2B sales products. Debit the ordinary deposit amount at maturity and denote the bills to be received, or (3) Debit before the maturity of the B2B sales product, debit the ordinary deposit amount, the amount of sales receivables, and the payment fee. If the credit is entered, or (4) B2B sales are transferred to the endorsement, the journal entry can be processed in such a way as to write the credit amount in the debit and write the bills to be received in the credit.

Alternatively, in one embodiment, the reporting unit 35 may directly generate a journalized document in the manner of (1) to (4) described above, or may generate entry information to be included in the journalized document. . The document entry information generated by the reporting unit 35 may include debit entry and credit entry determined by the principle of double entry. For example, the debit entry may include subjects and amounts of new B2B sales products (see FIG. 5), expired B2B sales products amounts, B2B sales products discounts and payment fees, etc. Credit entry may include new B2B sales amount, subjects and amounts of expired B2B sales products, discounted B2B sales products subjects and amounts, and the like.

The reporting unit 35 may extract the above related information from the financial information stored in the financial information DB 322 of the storage unit 32, and generate document entry information based on this, and transmit it to the accounting system 5 of the company. . According to the present embodiment, the B2B transaction inquiry system automatically generates the entire document or a part of the contents of the document and transmits it to the accounting system of the company, thereby facilitating the convenience of business personnel.

The operation by the B2B transaction inquiry method according to the above-described embodiments may be at least partially implemented by a computer program and recorded in a computer-readable recording medium. A program for implementing an operation by a B2B transaction inquiry method according to embodiments is recorded, and a computer-readable recording medium includes all types of recording devices in which data that can be read by a computer is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, and optical data storage devices. The computer-readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. In addition, functional programs, codes, and code segments for implementing the present embodiment will be readily understood by those skilled in the art to which this embodiment belongs.

The present invention described above has been described with reference to the embodiments shown in the drawings, but this is merely exemplary, and those skilled in the art will understand that various modifications and modifications of the embodiments are possible therefrom. However, it should be considered that such modifications are within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be defined by the technical spirit of the appended claims.

Claims (15)

An input unit configured to receive identification information related to B2B sales products of a financial institution and inquiry essential item information for querying financial information of the B2B sales products;
A scraping unit configured to receive financial information of the B2B sales product from a financial institution server in a scraping method using the inquiry essential information;
A storage unit configured to store metadata defining the inquiry essential items corresponding to the B2B sales products and financial information of the B2B sales products scrapped by the scraping unit; And
Including the inquiry unit configured to provide the financial information of the B2B sales products stored in the storage unit to the user,
The input unit, by using the metadata, provides the user with an input screen generated by using an inquiry essential item corresponding to the B2B sales product identified by the identification information to receive the inquiry essential item information from the user More configured B2B transaction inquiry system.
According to claim 1,
The inquiry essential item information includes a plurality of inquiry essential item information related to a plurality of different B2B sales products,
The scraping unit, B2B transaction inquiry system further configured to scrape financial information of each B2B sales product from a plurality of different financial institution servers using the plurality of inquiry essential information.
According to claim 2,
The inquiry unit, the B2B transaction inquiry system further configured to provide financial information of a B2B sales product scrapped from the plurality of financial institution servers to a user through a single screen.
According to claim 1,
The metadata is a string composed of a plurality of digits each corresponding to a plurality of preset input items, and a B2B transaction in which the values of each of the plurality of digits are defined based on whether the input items corresponding to the digits are mandatory input items. Inquiry system.
According to claim 4,
The plurality of input items include, certificate identification information, certificate password, certificate expiration date, user identification information, user password, product classification, purchase company name, inquiry start date, inquiry end date, contractor identification information, banking type information, transfer password, account number and A B2B transaction inquiry system that includes one or more of the security media information.
According to claim 1,
A B2B transaction inquiry system further comprising a reporting unit configured to generate accounting information by using the financial information of the B2B sales product stored in the storage unit and to transmit the accounting information to a corporate accounting system.
The method of claim 6,
The accounting information is a B2B transaction inquiry system that includes information on one or more of a trade receivable date, trade receivables, sales product maturity date, discountable amount, discountable date and discount balance.
Storing metadata defining a lookup essential item corresponding to the B2B sales product of the financial institution in the B2B transaction lookup system;
The B2B transaction inquiry system receiving identification information related to the B2B sales product from a user;
Providing, by the B2B transaction inquiry system, to the user an input screen generated by using an inquiry essential item corresponding to the B2B sales product identified by the identification information, using the metadata;
The B2B transaction inquiry system receiving, through the input screen, inquiry essential item information for financial information inquiry of the B2B sales product from the user;
The B2B transaction inquiry system receiving financial information of the B2B sales product from a financial institution server in a scraping method using the inquiry essential item information;
Storing the financial information of the received B2B sales product in the B2B transaction inquiry system; And
And providing financial information of the B2B sales products stored in the B2B transaction inquiry system to the user.
The method of claim 8,
The inquiry essential item information includes a plurality of inquiry essential item information related to a plurality of different B2B sales products,
The step of receiving financial information of the B2B sales product includes scraping financial information of each of the B2B sales products from a plurality of different financial institution servers using the plurality of required inquiry item information, respectively. .
The method of claim 9,
In the step of providing financial information of the B2B sales product to the user, the B2B transaction inquiry system provides the financial information of the B2B sales product scrapped from the plurality of financial institution servers to the user through a single screen. B2B transaction inquiry method comprising a.
The method of claim 8,
The metadata is a string composed of a plurality of digits each corresponding to a plurality of preset input items, and a B2B transaction in which the values of each of the plurality of digits are defined based on whether the input items corresponding to the digits are mandatory input items. How to inquire.
The method of claim 8,
The plurality of input items include, certificate identification information, certificate password, certificate expiration date, user identification information, user password, product classification, purchase company name, inquiry start date, inquiry end date, contractor identification information, banking type information, transfer password, account number and A B2B transaction inquiry method that includes one or more of the security medium information.
The method of claim 8,
Generating, by the B2B transaction inquiry system, financial information using financial information of the B2B sales products stored in the B2B transaction inquiry system; And
The B2B transaction inquiry system, B2B transaction inquiry method further comprising the step of transmitting the accounting information to a corporate accounting system.
The method of claim 13,
The accounting information is B2B transaction inquiry method including one or more of the date of receivables, receivables, expiration date of sales products, discountable amount, discountable date, and discount balance.
A computer program stored in a computer-readable recording medium to execute a B2B transaction inquiry method according to any one of claims 8 to 14 in combination with hardware.

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