TW594535B - Financial control system for freely dispatching funds - Google Patents

Abstract

The present invention provides a financial control system, which comprises a control center and a plurality of cooperative banks connected with the control center through a network. The control center includes a central processing unit for controlling the operation of the control center, and a central database connected with the central processing unit. Each cooperative bank is a subsidiary corresponding to the group, and each cooperative bank includes a subsystem, which comprises a processing unit for controlling the operation of the subsystem, and a cooperative bank database connected with the processing unit. When the data in the cooperative bank database of the subsystem is changed, the subsystem will notify the control center, so that when the subsystem of the cooperative bank transmits a query to the control center, the control center can reply to the subsystem based on the data in the central database, and further control the operation of the cooperative bank.

Description

594535 V. Description of the invention (1) < Technical field to which the invention belongs > In particular, the present invention relates to a financial control system which can freely dispatch funds. μ ... < Previous technology > In this era of globalization, the global layout has become an inevitable trend in the process. However, in the development of multinational companies, they have encountered the problem that funds cannot be flexibly dispatched, especially when they are too long and often. At present, the operating mode of a multinational enterprise is to form a group company in each of the = country companies ... to form a bank company in the country or region of each company to conduct fund dispatch. Also, the company's finances operate independently, which makes it impossible to integrate them. The operation of funds within the Aberdeen Group Company will cause problems in the capital dispatch of multinational enterprises. For example, when company A in the group does not have sufficient funds in the bank account in the United States, even if the 6 companies in the group have sufficient funds in the bank account in Taiwan, it cannot be provided to company A directly. Therefore, it must go through a complicated fund dispatching process. For example, Company B must first withdraw its funds in a bank in Taiwan to purchase U.S. dollars, and then remit the purchased U.S. dollars to A's bank account in U.S.A. This process is quite cumbersome, and it requires group companies to spend a lot of manpower to understand and consolidate the capital status of each company in the group, which in turn causes high costs for the group in capital control. < Contents of the invention > Therefore, the main object of the present invention is to provide a freely dispatchable data

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V. Description of the invention (2) Gold's financial control system, through a strategic control center and a number of cooperative banks' strategic alliances, enables each company in the group enterprise to use the regular or Demand deposits are used as the basis, and short-term funds are applied to the companies in the group for cooperation with banks in other countries or regions, thereby achieving financial services for the free management of global funds. The present invention provides a financial control system, which includes a control center and a plurality of cooperative banks connected to the control center via a network. The control center includes a central processing unit for controlling the operation of the control center, and a central database connected to the central processing unit. Each cooperative bank corresponds to a subsidiary of the group, and each cooperative bank includes a subsystem that includes a processing unit for controlling the operation of the subsystem, and a database of cooperative banks connected to the processing unit. When the data in the cooperative bank database of the subsystem is changed, the subsystem will notify the control center, so that the control center will change the data in the central database correspondingly, and when the subsystem of the cooperative bank sends an inquiry to the control bank, At the time of the center, the control center will respond to the subsystem based on the data in the center database, and then control the operation of the cooperative bank. < Embodiments > The present invention and its objects and advantages can be best understood with reference to the following description of the preferred embodiments and the accompanying drawings, wherein: Please refer to the first figure. The first figure is a schematic diagram of the financial control system 10 of the present invention. The financial control system 10 includes a control center 12 and four cooperative banks 1 4 a, 1 4 b, 1 4 c, and 1 4 d. The control center 1 2 is usually located in the head office of the group company and is responsible for coordinating the operation and management of funds between the cooperative banks. Cooperative banks 14a, 14b, 14c, 14d are related to the group

Page 6 594535 V. Invention description (3) The companies A, B, C, and D cooperate and are connected to the control center 12 through the network 16. Each company a, b, c, D in the group is located in the same country or region with its partner bank 14a, 14b, 14c, 14d, and has fixed or current deposits in its partner bank. As shown in the first figure, the control center 12 includes a central processing unit 22 for controlling the operation of the control center 12 and a central database 18 connected to the central processing unit 22. Please refer to the second figure. The second figure is a schematic diagram of the central database 18 of the control center 12. The central database 18 is used to store a central file 20, which contains four central data blocks 20a, 20b, 20c, and 20d, which record the presence of companies A, B, C, and D, respectively. Funding information in the cooperative banks 14a, j 4b, 14c, 14d. The central data block 2 (^ '20b, 20c, 20d contains an identification code IDa, IDb, IDc, IDd, which respectively correspond to the companies A, B, C, D. Among them, the central file 2 Contains a total capital data block 20s, which is used to record the total funds owned by the group companies. The total funds are the companies A, B, C, and D in the group at the cooperative banks, respectively, Hb, 1 4 c, 1 4 The sum of the funds of d. The group enterprise will set a fund limit in the financial control system. When the total fund is less than the set capital limit, the financial control system 10 will issue a warning and stop all lending operations. In addition, the center The data blocks 20a, 20b, 20c, and 20d separately record the credit and financial status of each company A, B, c, and D. Furthermore, the parent-cooperative banks 14a, 14b, 14c, and 14d all have a subsystem 28a, 28b, 28c, 28d, which each contain a cooperative bank; database 24a, 24b, 24c, 24d, which are used to store a company document 26a, 26b, respectively

594535 V. Description of the invention (4), 26c, 26d, to record the capital information of each company A, B, C, D in cooperation with the cooperative banks 14a, 14b, Uc, 14d, and a processing unit 30a, 30b, 30c and 30d are used to control the operations of the subsystems 28a, 28b, 28c, and 28d, respectively. Among them, the cooperative bank databases 24a, 24b, 24c, and 24d are connected to the processing units 30a, 30b, 30c, and 30d, respectively. The company documents 26a, 26b, 26c, and 26d each contain an identification code IDa, IDb, IDc, and IDd, which correspond to the companies A, B, C, and D, respectively.

Research reference to the second picture. The second figure is a flowchart of the interaction with the control center 12 when the data in the subsystem 2 8 & changes. When company a deposits a fund in the cooperative bank 14a (as shown in step S31), the processing unit 30a of the subsystem 28a will relatively modify the fund information recorded in the company file 26a (as shown in step S32), and will modify the Passed company file 26 & control center 12 (as shown in step S33). Next, among the control center 12 ~ the processing unit 22 will find the central data block 20a in the central file 20 of the central database 18 with the same identification code IDa according to the identification code in the company file 26a (as in step S34). (Shown) 'and modify the central data block 20a according to the content of the received company file 26a (as shown in step "^). In step S36, the control center 12 will modify the total capital data block 20s At this time, the total funds owned by the trapped enterprises have increased.

Please refer to the fourth figure. The fourth figure is the interaction flowchart between the subsystem 28b and the control center] 2. When company B needs a fund, it can make a loan f request to bank 14b (as shown in step S41). The cooperative bank M may use the sub-system 28b to inquire the control center 12 whether the lending is possible (as shown in step S42). & this query contains the identification corresponding to company b

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Identification ID b. Furthermore, according to the requirements of the subsystem 28b, the control center 12 uses the total fund data block 20s of the center file 20 to check whether the total funds are less than the set amount of funds (as shown in step S43). If yes, the control center 12 will notify the subsystem 28b that lending cannot be performed (as shown in step S44). If not, the control center 12 will find the center data block 20b in the center file 20 according to the identification code I Db in this query to query the credit and financial status of company B (as shown in step S45). If there is any problem with the credit and financial status of Company B, for example, if the credit goes bankrupt or ceases to operate, or even declares bankruptcy, the control center 12 will notify the subsystem 28b that the loan cannot be performed (as shown in step S 4 6). If there is no problem with the credit and financial status of company B, the control center 1 2 will notify subsystem 2 8 b to lend to company B (as shown in step S47). Then, when the cooperative bank 14b completes the loan, the subsystem 28b modifies the company document 26b in the cooperative bank database 24b (as shown in step S48), and transmits the modified company document 26b to the control center 1 2 ( As shown in step S49). The central processing unit 22 of the control center 12 will find the central data block 20b (with the same ID IDb) in the central file 18 of the central database 18 according to the identification code I Db in the company file 2 6 b (such as Step s50), and modify the central data block 20b according to the content of the received company file 26b (as shown in step S51). In step S52, the prosecutor's center 12 will modify the total funds data block 20 s. At this time, the total capital owned by the ‘group enterprise’ is reduced. From the above, it can be known that the financial control system of the present invention 10 uses

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The alliance between the control center 12 and the cooperative banks 14a, 14b, 14c, 14d enables each company A, B, c, D in the group enterprise to use the fixed or current deposits of the cooperative banks of the country or region as the basis Cooperative banks in other countries or regions apply for short-term financing through cooperation with banks in other countries or regions, thereby achieving financial services for the free management of global funds. Moreover, the control center 12 is connected to the subsystems 28a, 28b, 28c, 28d of the cooperative banks 14a, 14b, 14c, and 14d via the network 16 so that the control center 12 can instantly grasp the information of each company in the group. Fund operation status and credit status. Therefore, the control center 丨 2

The financial status of the company is consolidated so that the head office can effectively control the operating status of each company in the group, thereby promoting the global layout of the group companies. In addition, the present invention utilizes documents in the central database of the control center 12 to not only know the operating status of each company, but also control the use of funds of each company. When companies in the group want to withdraw funds, they must obtain the consent of the control center 12. With the financial control system i 0 of the present invention, even if the companies in the group do not have sufficient funds to operate in the cooperative banks with which they cooperate, they can also withdraw from the cooperative banks with the consent of the control center 12 Funds required0

Compared with the conventional operation mode of fund dispatching, the present invention makes use of the financial control system 10 to make multinational enterprises more flexible in fund dispatching. When Company A in the group does not have sufficient funds in the bank account in the United States to use it, it can withdraw the funds from the cooperative banks it cooperates with in the United States with the consent of the control center. Therefore, the present invention can omit tedious funds

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The scheduling process, and further the cost, has made the company's capital control and management cost of the Γ group enterprises :: "The operation of the ball layout is more efficient. The straight shore is not passed by π i1. It is a better example. And the exemplified drawings described, however, should not be "restricted by the second line." Those skilled in the art can make various modifications, omissions, and changes to their forms and the contents of specific examples without departing from the scope of the present invention. " 594535 Brief description of the diagram The first diagram is a schematic diagram of the financial control system of the present invention; the second diagram is a schematic diagram of the central database of the control center of the first diagram; the third diagram is when the subsystem data changes. The interaction flow chart of the control center; and the fourth figure is the interaction flow chart with the control center when the subsystem sends an inquiry. < Representative symbols of main parts > 1 0 Financial control system 1 2 Control center

14a, 14b, 14c, 14d Cooperative banks 1 6 Network 1 8 Central database 2 0 Central documents 2 2 Central processing units 24a, 2 4b, 24c, 24d Cooperative bank databases 26a, 26b, 26c, 26d Company documents 28a, 28b, 28c, 28d subsystems 30a, 30b, 30c, 30d processing units

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Claims (1)

594535 VI. Scope of Patent Application 1. The operation of a financial control and control center; and a plurality of cooperations with each cooperative bank and a sub-system, and one of which, at that time, the sub-system should be changed accordingly. The system transmits the operation of an inquiry database. 2 · If applying for a patent, the center's capital, a center's documents, the capital of a plurality of centers' companies, the block contains a total of 1 capital, which is used for the plurality of 3, such as the cooperation of a patent application system The system on page 13 contains: 'contains' a central j Jialiu-and-central database; takes control of the u processing unit bank, corresponds to a company via an Internet connection, and every 20 of them Contains = processing unit used to control ^ 2 The bank contains the cooperative bank database and is connected to ί: the operation system of Shantou will notify the control center that the data in the center database will be changed, and the volume of S2 = When the management center asked the control center relatively, the two = the bank's child information, and responded to the child f continued, the second & center will control the Ui cooperative bank according to the Zhongli, first, and then the first The financial control system of the project, its database contains: / 、 In the control, it contains: a data block, which is used to #left the principal data and credit assets GT a cooperative bank identification code, corresponding to the company Middle: The center's data block is used to record a total capital fund * ίThe sum of the capital data of the company that acts as the bank: The financial control system corresponding to the second item of Qianwei, the bank's database contains One company-mother-: mysterious child Should be 594 535 Sixth, the scope of patent applications in financial data and credit information company of the cooperative banks, each of the company's file contains an identification code, which corresponds to the company. 4. If the financial control system of item 3 of the patent application is applied, when the company file of the cooperative bank database of the subsystem is changed, the subsystem will transmit the modified company file to the subsystem via the network. Control center, the control center will perform the following steps: The center processing unit finds the center file of the center database with the same central data block as the identification code according to the identification code of the company file; according to the Company documents modify the central data block; and modify the total capital data block. 5. If the financial control system of item 3 of the patent application is applied, when the subsystem sends an inquiry to the control center via the network, the inquiry contains an identification code corresponding to the company, and the control center will Perform the following steps: (1) Decide whether the total funds recorded in the total fund information block of the center file is less than a preset amount of funds; (2) When the decision result of step (1) is affirmative, the control center Will send a reply to the subsystem according to the decision result, and when the decision result is negative, the control center executes step (3); (3) the control center finds the The central data block in the central document to determine whether the company's credit information meets a preset condition; and (4) the control center sends a response to the subsystem 0 according to the result of the decision 6. Scope of Patent Application 6.- A financial control system and a control center, including :: two. The operation of the heart, and-two =, where the control +, and the center of the heart-s center center file, which contains ： A number of central cautious # 广 τ u 贝 枓 block, which uses the fund information of the company and the block contains an identification code, which is a total capital data block, used for the common number of the plurality of cooperative banks A cooperative bank, which corresponds to a public subsystem via a network and a cooperative bank, includes: a processing unit for controlling the and a cooperative bank database, and the bank database contains the company's bank company's capital information to include An identification code, which corresponds to 'when the subsystem cooperates', the subsystem will notify the respondent to change the central database, send a query to the control center database, and reply to the operation . The J management unit is used to control the control center database, and the database connected to the center processing unit database includes: to record data corresponding to each of the cooperative banks, wherein each center data should be in the company; and record one Total capital information, which is the sum of the capital information of the corresponding divisions; and is connected to the control center in duplicate, where each division, and each of the cooperative banks includes a subsystem operation; connected to the processing unit, where the integration Documents' are used to record corresponding cooperation and credit information, each company documents the company; the data in the bank database has changed the management center, so that the control center is relative to the data, and when the child of the cooperative bank is concerned, The control center will then control the cooperative bank according to the middle subsystem Page 15 594535 6. Scope of Patent Application 7. If the financial control system of the scope of patent application No. 6 is applied, when the company file of the cooperative bank database of the subsystem is changed, the subsystem will use the network to The modified company file is transmitted to the control center, and the control center will perform the following steps: The center processing unit finds out that the center file of the center database has the same identification as the center file according to the identification code of the company file The central data block of the code; modify the central data block according to the company's documents; and modify the total capital data block. 8. If the financial control system of item 6 of the patent application is applied, when the subsystem sends an inquiry to the control center via the network, the inquiry contains an identification code corresponding to the company, and the control center will Perform the following steps: (1) Decide whether the total funds recorded in the total fund information block of the center file is less than a preset amount of funds; (2) When the decision result of step (1) is affirmative, the control center Will send a reply to the subsystem according to the decision result, and when the decision result is negative, the control center executes step (3); (3) the control center finds the The central data block in the central document to determine whether the company's credit information meets a preset condition; and (4) the control center sends a response to the subsystem 0 according to the result of the decision