JPH11154194A - Method and system for integrated management by computer for fund finance information of plural industries - Google Patents

Abstract

PROBLEM TO BE SOLVED: To integrally manage the fund finance information of plural industries belonging to a group while using a computer and to attain improvement in the cancel accuracy of money due from accounts. SOLUTION: Concerning the system provided with a single deposit account (centralized deposit account) for performing the reception/payment processing of respective industries belonging to the group and a virtual account (virtual deposit account) in a data base file for managing the fund finance information of respective industries belonging to the group as contents, the fund finance information is transmitted by a computer network, which has a mapping means and is provided with a triple stage password managing and data enciphering means or the like, while using Web techniques and this system has means for payment substitution, the settlement of accounts between companies belonging to the group, simulation, automatic excessive or lacked fund operation prediction, automatic settlement of money due from accounts in the group and improvement in the cancel accuracy of money due from accounts to the third person or the like.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for integrating, managing, operating, and procuring cash flows of an entire corporate group.

[0002]

2. Description of the Related Art As a service provided by a bank regarding management of financial information of a company, there is a service attached to a deposit account. The notification of the payment details is clearly indicated to the account holder in the form of a passbook or a collation table for each account. If multiple deposit accounts exist at the same financial institution, there is a fund concentration or distribution service that leaves a fixed balance in each account and leaves others in a specific account. Regarding the financing of a company, there is a service for automatically financing a shortfall by an overdraft contract in response to a payment request exceeding the balance according to the creditworthiness of the account holder.

[0003] On the other hand, one of the important tasks in a company's cash management is to determine which bill corresponds to which payment when the company carries out product sales and service provision and receives payment for consideration. There is work to determine. This work is called "clearing receivables". Conventionally, the receivable application is managed based on the receivable payment by inter-bank transfer using a nationwide bank data communication system.

[0004] The management is performed as follows. First, the payee sends an invoice to the payer. Next, the payer brings the comprehensive transfer request form to the house bank. At this time, the payment source may combine the invoice amounts of the same payee into one transfer, or combine the invoice amounts from the same division of the payer to the same payee into one transfer. It is customary to reduce the number of transfers and thus reduce the fees paid to banks. Simultaneously with the execution of the comprehensive transfer, the comprehensive transfer amount is deducted from the bank account of the payment source on the due date and is deposited in the deposit account of the payee. The payee refers to the receipt details of the house bank on the payment date, and compares the obtained receipt details with the receivable details held by the payee to thereby apply the receivables.

[0005]

A conventional bank deposit account is based on the premise that one account manages the deposit and withdrawal of one company. However, interest in corporate finance has shifted to cost reduction through rationalization. Under such circumstances, as a matter of course, financial activities have been centralized into a department such as the Corporate Finance Center (CFC), and effective use of surplus within the Group There is a need to meet the needs.

However, in reality, when the CFC centrally manages the funds of all group companies, the following problems exist. (1) Payment work for multiple companies belonging to the group
However, it is necessary to create independent comprehensive transfer data for each company, despite the need to perform all at once. (2) Receivables such as accounts receivable to companies belonging to each group (referred to as “group companies”) will be transferred to settlement accounts held by different banks for each group company. In addition, the payment details cannot be collectively obtained. (3) As a result of the payment and deposit, surplus funds or shortfalls are generated in each of the settlement accounts, but the surplus or shortfalls of the entire group cannot be automatically grasped. (4) If the operation or procurement of the surplus or deficient funds is carried out for each account, it is not possible to select more advantageous fund management or procurement means. (5) Regarding settlement between group companies, it is necessary to transfer funds between settlement accounts one by one. (6) Cash concentration or distribution services exist as services of existing banks, but will not work if the settlement account spans multiple banks.

[0007] On the other hand, there are the following problems in clearing accounts receivable. That is, in the management by the nationwide bank data communication system, the payee needs to match the receivable statement data held by the payee with the receipt details from each payment source to the settlement account obtained from the house bank. It is unlikely that the unit is a receivable statement data unit,
The payment source is often an arbitrarily summed amount. For this reason, it is impossible in many cases to perform the receivable clearing by directly comparing the receivable detail data with the receipt details.

[0008] As a countermeasure, EDI (Electronic Data In) for exchanging data in a standardized format between computers between different companies is used in the national bank data communication system.
(Transaction) information is provided as input items, and the transfer ID is input as the EDI information, and the transfer ID is used as a matching key between the receivable statement data and the receipt statement data. However, even in this case, if one transfer corresponds to many invoices, the transfer ID does not function effectively as a matching key, and therefore, the receivable clearing is performed by direct collation between the receivable detail data and the deposit / withdrawal detail data. Is still often not possible. For this reason, current accounts receivable relies on the intuition and experience of specialized employees who are familiar with the payment patterns of each payer.

[0009]

In order to solve the above-mentioned problems, the present invention relates to a system for integrally managing funding and financial information of a plurality of companies belonging to a group by using a computer. A centralized deposit account, which is a single deposit account that handles deposits and withdrawals, and (2)
The system is provided with a virtual deposit account virtually provided for each company belonging to the group in a database file for managing the breakdown of the single deposit account.

The invention according to claim 2 or 6 is:
The financial information from the companies belonging to the group
b A system or method transmitted by a computer network using technology.

The invention described in claim 3 or 7 is:
A system or method for individually calculating interest for a deposit of each company whose breakdown is managed by the virtual account and individually registering credit line data for each company belonging to the group.

The invention described in claim 4 or 8 is:
A system or method for integrated management of fund financial information of a plurality of companies belonging to a group using a computer, wherein (1) a centralized deposit account that is a single deposit account that performs deposit and withdrawal processing of a plurality of companies belonging to the group, and A means or procedure for managing the funding and financial information of the plurality of companies by a virtual savings account virtually provided for each of the group companies in a database file for managing the breakdown of the centralized savings account, (2) payment of a plurality of companies belonging to the group A means or procedure for converting the statement data into a unified format, making a comprehensive transfer by the bank at the centralized deposit account based on the converted billing statement data, and performing settlement at the centralized deposit account, (3) belonging to the group Transfer the deposit amount of the settlement account of the company (referred to as “group company”) to the centralized deposit account, Means or procedure for acquiring the deposit details data to the centralized deposit account due to the transfer of funds and updating the transaction history of each group company and the breakdown of the virtual deposit account on the database file; Means or procedure for registering the payment details data for the group company, converting the payment details data into a unified format, and updating the transaction history data of the group company and the other group companies based on the payment details data, (5 ) Means or procedure for registering interest data and credit facility data of each group company, (6) Extracting receipts and payment details and daily balance data of each group company, and calculating future deposits, payments and accumulated balances Means or procedure for calculating and outputting, (7) the balance of the centralized deposit accounts of multiple companies belonging to the group (8) Register the accounts receivable statement data for other group companies, and extract the receivable and payment statement data and estimate the surplus or shortage of the centralized deposit account. The data is converted to a unified format, the other group company refers to the receivable statement data, additionally registers payment confirmation data, and based on the payment confirmation data, reports the transaction history of the group company and the other group companies. Means or procedure for updating, (9) Register the accounts receivable detail data of the group company with third parties, convert the receivable details data to a unified format, and refer the receivable details data to the third party and confirm payment Register additional data, and the corporate finance center or bank extracts the payment confirmation data via the network, Means or procedure for obtaining the receipt details of the group company using the farm banking service, matching the payment confirmation data and the receipt details for each payment source and amount, and adding the payment confirmation data to the confirmed payment confirmation data ,and
(10) A system or method including an access control using a login password, a screen transition password, and an execution approval password, and an input / output data encryption means or procedure.

In the system or method of the present invention, each group company, third party, or CFC includes a dedicated line,
It can be connected to either the Internet or a virtual private network.
Uses web technology and uses a web browser to access the networks of each group company and third parties. Furthermore, W
When accessing the network from the eb browser, data is encrypted, and in addition to the usual login password, a three-step password for screen transition password and data registration, modification, and deletion By managing passwords, countermeasures against fraudulent acts such as data leakage and spoofing are taken.

The integrated management system or method of the present invention has the following functions. (1) Payment agency service After the bank acquires in advance the payment details data of each group company to the non-group company via the network, it creates comprehensive transfer data from the payment details data, and performs settlement in a centralized account. (2) Fund concentration service The funds transferred from the settlement account of each group company are transferred to the centralized deposit account using the farm banking service, and the payment account deposit statement data related to the fund transfer is acquired, and each group on the database file is acquired. Update company virtual account transaction history data. (3) Virtual account balance management service The breakdown of the centralized deposit accounts of each group company is stored in a database file as virtual account daily balance data, and the increase or decrease in the breakdown is stored as virtual account transaction history data. (4) Automatic settlement service between group companies For settlement between group companies, each group company registers payment details data in a database file, and based on the payment details data, virtual account transactions of each group company and each receiving group company By updating the history data, the process is executed by changing the breakdown of the balance of the virtual deposit account, and processing is performed without moving funds in the centralized deposit account. (5) Virtual account interest management, credit facility management service Regarding the breakdown of the centralized deposit account balance of each group company, interest rate data for calculating interest separately for each company
Managed by. In addition, regarding the breakdown of the centralized deposit account balance of each group company, a negative balance is allowed within the range of allowable negative balances (referred to as “credit facilities”) managed by CFC,
Grant credit function between group companies. (6) Simulation service Extracts future receivables, payment details and virtual account daily balance data of group companies held in the database file of the method or system of the present invention, and calculates deposits, withdrawals and accumulated balance amounts. By outputting on
Forecast future corporate group surplus or shortfall. (7) Concentration account surplus funds automatic operation amount prediction service Extracts the balance, accounts receivable details and payment details data of the group companies held in the database file of the method or system of the present invention, and actually calculates the surplus amount of the central deposit account on the day. Calculate prior to the transaction. (8) Concentration account shortage fund amount prediction service In the same manner as in (7) above, the shortage amount of the concentration account on the day is calculated prior to the actual transaction. (9) Intra-group receivables automatic settlement service Register the accounts receivable detail data of each group company with the group company in the method or system of the present invention in an arbitrary format, convert the receivable details data into a unified format (mapping), and execute the present invention. Method or store it in the system database file. Each paying group company refers to the receivable statement data via the network and additionally registers payment confirmation data. As a result, the virtual account transaction history data of each group company is updated on the payment execution date,
Receivable settlement within the group ends without moving funds in the centralized deposit account. (10) Receivable accuracy improvement service for third-party accounts receivable Each paying group company provides accounts receivable details data to the third party who pays, and this third party adds payment confirmation data to the accounts receivable details data. Then, each group company improves the receivable clearing accuracy by checking the payment confirmation data and the payment details data of the settlement account. That is,
Accounts receivable statement data for each group company is registered in an arbitrary format, and the account receivable statement data is converted into a unified format (mapping) and stored in the database file of the method or system of the present invention. The third party refers to the receivable statement data via the network and additionally registers payment confirmation data. While the CFC or bank extracts payment confirmation data for each group company via the network, it obtains the payment details data of the payment settlement account using the farm banking service, and transfers the payment confirmation data and payment details data to a third party. Matching is performed for each amount, and payment confirmation data is added to the payment confirmation data that has been matched, and the reconciliation process is terminated.

[0015]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In the method or system according to the present invention, the following operations are processed in order to integrate and manage the financial information of each group company. Specifically, it will build a network using Web technology and operate it integrally with the centralized deposit account. (1) Acquisition of payment details data of each group company in the payment agency service, format conversion (mapping) of the payment data, and creation of comprehensive transfer data. (2) Acquisition of concentrated account balance data in the fund concentration service and acquisition of settlement account deposit details data in the third-party receivable clearing service. (3) Management of virtual account transaction history and virtual account daily balance data related to the payment agency, fund concentration and inter-group company settlement service. (4) Management of virtual account interest data for each virtual account in the virtual account interest management service. (5) Management of virtual account credit line data in the virtual account credit line management service. (6) Extraction of virtual account daily balance, virtual account transaction history, accounts receivable statement, payment confirmation data, and output of future virtual account deposits, withdrawals and cumulative balances using the extracted data. (7) Virtual account daily balance, virtual account transaction history, payment confirmation, accounts receivable to grasp the surplus or shortage amount of the centralized deposit account in the centralized account surplus funds automatic operation amount or shortage amount forecast service Extract detailed data and cancellation transaction instruction data, calculate the amount of surplus or deficient funds on the day from the data group, and update virtual account transaction history data for operation and cancellation transactions. (8) Acquisition of accounts receivable detail data and payment confirmation data of each group company, and mapping or format conversion of the accounts receivable details data in the automatic receivables settlement service between group companies and the service for improving the accuracy of receivables to third parties (9) In third-party receivables clearing accuracy improvement service, matching of payment confirmation data and payment settlement account receipt details by third party and amount. (10) Management of login passwords, screen transition passwords, and execution approval passwords when each group company, CFC and bank accesses the network, and data encryption.

The above-mentioned system comprises the following devices. (1) I / O screen and W to store various control programs
eb server. (2) DB server that stores data of payment details, virtual account daily balance, virtual account transaction history, virtual account interest, virtual account credit facility, accounts receivable, payment details, and settlement account payment details (3) Access management (4) Virtual account daily balance and virtual account transaction history data are acquired from the DB server, and virtual account balance management and virtual account interest management are performed using the virtual account interest data. Do
Obtains daily data of virtual account, virtual account transaction history, accounts receivable and payment details from DB server, outputs future deposits, withdrawals and accumulated balances for each virtual account in simulation service, and centralized account surplus Or a client terminal PC that grasps the shortfall and registers the operation termination transaction instruction data. (5) A PC with a Web browser for registering payment details, accounts receivable details, and payment confirmation data. (6) A farm banking terminal for acquiring payment account payment details, payment account balances, and concentration account balances. (7) An input / output device required for file uploading of payment details and accounts receivable details data, download of settlement account payment details data, and output of reports on virtual account daily balance and transaction history. (8) Installed at the bank and transfer payment details data from DB server
A client terminal PC that downloads via the eb server and performs payments, and where necessary, the bank performs the client terminal operations described in (4) above.

The Web server / DB server / authentication server of (1) to (3), the client PC of (4) and (6), and the PC having the Web browser of (5) are dedicated lines. Transmission is performed by a dial-up connection using a virtual private network or by electronic means of the Internet.

This system is composed of the following programs. (1) Programs related to input / output screen and database file operations on the Web server. (2) A database file management program on the DB server. (3) Access control and data encryption programs on the authentication server. (4) On the client terminal PC, obtain the virtual account transaction history data from the DB server, and use the virtual account interest data to execute the virtual account daily balance management / virtual account interest management, operation cancellation transaction instruction. The program to do. (5) On the bank client terminal, download the payment details data from the DB server via the Web server to create comprehensive transfer data, and, if necessary by the user, use the same bank as the program on the client terminal. A program that performs processing. (6) Programs for (1) to (5) and programming tools required for Web browsers.

The database file management program on the DB server used in the present system has the following tables. (1) Table that determines the relationship between each table (2) Customer information table of company group, CFC, each group company (3) Payment details table (4) Accounts receivable details table (5) Payment confirmation table (6) Virtual account Transaction history table (7) Virtual account interest table (8) Virtual account daily balance table (9) Concentrated account balance table (10) Operation cancellation transaction instruction table (11) Error log, password, access prohibition setting and other tables

Data input from a PC equipped with a Web browser is performed by file transfer or a screen on a Web server program displayed on the Web browser. Data input / output from each client PC is performed by a screen on a program on the client PC.

[0021]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the system according to the present invention will be described below. FIG. 1 is an explanatory diagram showing an example of the system of the present invention. In this example, the financial information is transmitted and stored in the server group (SIGN) via the dedicated line from the head office, the virtual private network from the company belonging to the group, and the Internet from a third party. In the server group, processing such as sorting and format conversion (mapping) of the fund financial information, settlement between group companies, and automatic settlement of accounts receivable between group companies are performed. Group Finance Management System (GFMS)
Extracts the financial information that has been sorted and converted, and improves the virtual account balance management, virtual account interest and OD quota management, centralized account surplus automatic operation amount prediction, and improvement of the accuracy of clearing accounts receivable to third parties. Perform the processing required for each service. The centralized account management system (CAMS) extracts the sorted and formatted fund financial information, performs necessary processing for the payment agency service, and performs the GFMS processing as necessary.

On the other hand, the balance of the centralized deposit account, and the deposit statement relating to the centralized deposit account and the settlement account at Bank Y are transmitted from Bank X to CAMS through the farm banking service, and the fund concentration service is performed using the balance and the deposit statement. In addition, the necessary processing for the automatic operation of the amount of surplus funds in the centralized account and the service for improving the receivables application to third parties are performed. In the third-party receivables clearing service, the settlement of accounts receivable from the third party is carried out by the third party from the bank where the third-party account is located to Bank X by means of a firm banking service or a transfer request form. This is performed by transferring funds through the data communication system.

FIG. 2 is an explanatory diagram showing the information flow of the system shown in FIG. FIG. 3 is an explanatory diagram showing an example of the configuration of the fund financial information management network according to the present invention. FIG.
FIG. 1 is an explanatory diagram showing an example of a hardware configuration of a fund financial information management network according to the present invention.

An embodiment of the payment agency service of the present invention will be described. FIG. 5 is a flowchart showing the processing of the payment agency service. (1) Each group company shall make payment date, destination bank and branch number, deposit type and account number, transfer amount, and
Register payment details data including EDI information. This is performed by file transfer or by the screen on the Web server program displayed on the Web browser. (2) The Web server checks the payment details data of (1) for the payment date, destination bank and branch number, deposit item and number, transfer amount, and validity of EDI information. (3) The Web server converts (maps) the inspected data from the file format to the payment statement table format and stores it in the DB server. (4) The client terminal of the bank sorts and downloads the payment details data for each group company. (5) The client terminal of the bank creates and outputs a comprehensive transfer file that can be transmitted by the national bank data communication system from the data downloaded in (4). (6) The bank transmits the integrated transfer data output in (5) to the host computer of the bank. (7) The bank executes a comprehensive transfer process based on the data transmitted in (6).

An embodiment of the settlement service between group companies according to the present invention will be described below. FIG. 6 is a flowchart showing the processing of the settlement service between group companies. (1) Each of the paying group companies sends the payment details data (consisting of <1> payee <2> transaction amount <3> transaction date or value date) for each payee group company on the network. Register in the database in any format (2) Perform the format conversion (mapping) of the payment details data on the network and store it in the DB server. (3) Update the virtual account transaction history data of each group company and each payee group company from the payment details data on the due date.

An embodiment of the simulation service according to the present invention will be described below. FIG. 7 is a flowchart showing the processing of the simulation service. (1) For the specified period, the CFC uses the data from the database file as <1> virtual account transaction history data that has a date after the current day, and <2> payment confirmation data for the other bank account settlement, <3> Accounts receivable details that have not been confirmed for payment and have not been claimed and that have a due date after that date are extracted. (2) Deposits, withdrawals and accumulated balances and their totals are displayed daily for the target period. (3) The above is displayed as a graph. (4) The above data can be downloaded in text format.

An embodiment of the centralized account surplus funds automatic operation amount prediction service of the present invention will be described below. FIG. 8 is a flowchart showing the processing of the centralized account surplus funds automatic operation amount prediction service. (1) The CFC obtains the first day's account balance after the previous day's fund concentration via the firm banking service, and also cancels transaction instruction data, same day payment details data, same day payment confirmed other bank settlement receivables details data. Extracted via the network. (2) Based on the above data, the CFC calculates the expected balance of the account on the day. (3) The CFC outputs the above forecast balance as a basis for determining the safe amount to be put into operation. (4) The CFC registers the investment transaction instruction data determined based on the above forecast in the network. (5) The investment trustee accesses the network and acquires the investment transaction instruction data. (6) The bank Obtain the operation transaction instruction data by accessing the network and withdraw the above-mentioned operation transaction instruction data equivalent amount from the centralized account with its own host computer,
Transfer to the investment trustee account.

An embodiment of the intercompany receivable automatic settlement service according to the present invention will be described below. FIG.
Is a flowchart showing the processing of the intercompany receivable automatic settlement service. (1) Each paying group company registers the accounts receivable detail data including the due date, the transaction date, the payer-related code, the billed amount, the department in charge of receiving and paying, in the database file using the program of the Web server. As a registration means, registration from a Web browser screen is possible in addition to file upload. (2) The web server sends the due date, payer-related code,
It checks the validity of the billed amount, converts it to the format of the accounts receivable detail table on the database file (mapping), and stores it in the DB server. (3) The other group company that is the payment source queries the data of the accounts receivable statement table for itself from the Web browser on the PC. (4) The other group companies will add this information if there is a complaint against the receivables detail data for each data from the Web browser on the PC. (5) If there is no claim, the other group company
Added payment confirmation data. (6) In the network, from the payment confirmation data,
Updates the payment source and payee virtual account transaction history data.

An embodiment of the service for improving the accuracy of clearing accounts receivable to third parties according to the present invention will be described below. FIG. 10 is a flowchart showing the processing of the countermeasure three-party receivables clearing accuracy improvement service. (1) Each paying group company registers the accounts receivable detail data consisting of the due date, transaction date, payer-related code, billed amount, department in charge of receiving and paying, in a database file using a Web server program. . As a registration means, registration from a Web browser screen is possible in addition to file upload. (2) The Web server performs a check on the receivable date data, the payer-related code, and the validity of the billed amount for the receivable detail data input from the payee, and converts the data into the format of the receivable detail table on the database file. And store it in the DB server. (3) The third party, the payment source, uses a web browser on the PC to
Query the data of your own accounts receivable detail table. (4) The third party will add this information from the Web browser on the PC if there is a complaint against the receivables statement data for each data. (5) If there is no claim, the third party will pay
(The destination financial institution and store)
bRegister to database file via browser. (6) The Web server sets a relation between the payment confirmation data and the corresponding accounts receivable statement table. (7) After the payment date, the relevant group company extracts the data on the payment confirmation table related to the payment date from the DB server. (8) In addition, the group company obtained the payment data of the previous day via the firm banking service. (9) The group company matches the information in (7) and (8) above,
Register the payment confirmation data on the relevant network for the payment confirmation. (10) Instead of (7) to (9), the CFC or bank obtains payment confirmation data and payment details data on its client PC, and then sends the information of both parties to the third party and the payment amount. The payment is confirmed using the screen displayed and the payment confirmation data is registered in the network with the confirmed one. (11) The Web server adds payment confirmation data to the receivable statement data that has a relationship with the payment confirmation data to which payment confirmation information is attached.

[0030]

As a result of the computer management of the fund financial information of a plurality of companies based on the present invention, the following processing can be performed. That is, in the payment agency service, it is possible to perform a process of collectively transferring external payments of each group company from a centralized account.

Virtual account balance management, settlement between group companies,
In each of the services of virtual account interest management, virtual account credit line management, and automatic settlement of accounts receivable between group companies, the daily balance and transaction history of each group company must be managed in a single bank account called a centralized account. Becomes possible. Also,
The settlement between the group companies enables the settlement without the transfer of funds at the bank. Furthermore, the interest management service with a virtual account makes it possible to individually calculate interest for each company's deposit. In the simulation service, inquiries regarding the future deposit and withdrawal plans and balances of each group company can provide information for determining future fund management or procurement.

In the service for predicting the amount of surplus funds automatically operated and the amount of funds shortage, the surplus amount on the day of the concentrated account is predicted and put into operation early, so that the operation using operation means that could not be used conventionally can be performed. to enable. In addition, the shortage of funds on the day of the centralized account is predicted, and early procurement becomes possible, and the selection of procurement means is expanded.

In the third-party receivable clearing service, the group company discloses the receivable statement data to a third party, and the third party adds payment confirmation data to the receivable detail data, thereby clearing the receivable. And reduce the additional administrative burden on the third party at the same time. In addition, using Web technology, each group company and third parties have access to the network using only a general-purpose Web browser, eliminating the need to build new systems and introduce dedicated software.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing the overall configuration of a fund information management network according to the present invention.

FIG. 2 is an explanatory diagram showing a flow of information in the present invention.

FIG. 3 is an explanatory diagram showing a configuration example of a fund information management network according to the present invention.

FIG. 4 is an explanatory diagram showing an example of a hardware configuration of a fund information management network according to the present invention.

FIG. 5 is a flowchart showing processing of a payment agency service in the present invention.

FIG. 6 is a flowchart showing processing of a settlement service between group companies in the present invention.

FIG. 7 is a flowchart illustrating processing of a simulation service according to the present invention.

FIG. 8 is a flowchart showing the processing of a centralized account surplus funds automatic operation amount prediction service in the present invention.

FIG. 9 is a flowchart showing processing of a receivables settlement service between group companies in the present invention.

FIG. 10 is a flowchart showing processing of a third-party receivables clearing accuracy improvement service according to the present invention.

Claims (8)

[Claims] 1. A system for integrally managing funds and financial information of a plurality of companies belonging to a group using a computer, wherein (1) a centralized deposit account which is a single deposit account for performing a deposit / withdrawal process of each company belonging to the group. , And (2)
An integrated management system for fund and financial information of a plurality of companies, wherein the database file for managing the breakdown of the single account is provided with virtual account accounts virtually provided for each company belonging to the group. . 2. The integrated management system of funds and financial information of a plurality of companies according to claim 1, wherein the financial and financial information from each of the companies belonging to the group is transmitted by a computer network using Web technology. . 3. The method according to claim 3, wherein interest calculation is individually performed for deposits of each company whose breakdown is managed by said virtual deposit account, and credit limit data is individually registered for each company belonging to said group. 2. The integrated management system of funds and financial information of a plurality of companies according to claim 1, wherein: 4. A system for integrally managing funding and financial information of a plurality of companies belonging to a group by using a computer, wherein (1) a centralized deposit account which is a single deposit account for performing a deposit / withdrawal process of each company belonging to the group. And means for managing the funding and financial information of the plurality of companies by a virtual deposit account virtually provided for each company belonging to the group in a database file for managing the breakdown of the centralized deposit account, and (2) belonging to the group. Means for converting the payment schedule data of a plurality of companies into a unified format, performing a comprehensive transfer by the bank where the centralized deposit account is located based on the converted scheduled payment information, and performing settlement in the centralized deposit account;
(3) Transfer the deposit amount of the settlement account of the company belonging to the group to the centralized deposit account, obtain the deposit details to the centralized deposit account by the funds transfer, and obtain the details of each group company in the database file. Means for updating the transaction history and the breakdown of the virtual deposit account; (4) a company belonging to the group registers payment details data for other companies belonging to the group, converts the payment details data into a unified format, Means for updating the transaction history data of the companies belonging to the group and other companies belonging to the group based on the payment details data, (5) means for registering interest data and credit facility data of the companies belonging to each group, ( 6) Extract incoming and outgoing payment and daily balance data of the companies belonging to each group, and make future incoming payment, payment and accumulation Means for calculating and outputting the balance, (7) means for extracting the balance and deposits and payment details data of the centralized deposit accounts of a plurality of companies belonging to the group, and for predicting the surplus or deficient funds of the centralized deposit account, ( 8) Register the accounts receivable detail data for the companies belonging to the other groups of the companies belonging to the respective groups, convert the receivable detail data to a unified format, and refer to the receivable details data for the companies belonging to the other group. Means for additionally registering payment confirmation data, and updating the transaction details of the company belonging to the group and the company belonging to the other group based on the payment confirmation data, (9) Register the third party receivable statement data, convert the receivable statement data into a unified format, and refer to the receivable statement data by the third party. The payment confirmation data is additionally registered, and the corporate finance center or the bank extracts the payment confirmation data via the network, obtains the receipt details of the companies belonging to each group using the farm banking service, and confirms the payment confirmation. A means for reconciling data and the payment details for each payment source and amount, adding payment confirmation data to the reconciled payment confirmation data, and (10) access control and input / output data using a login password, screen transition password, and execution approval password An integrated management system for fund / financial information of a plurality of companies, comprising an encryption unit. 5. A method for integrally managing funds and financial information of a plurality of companies belonging to a group using a computer,
(1) a centralized deposit account that is a single deposit account that performs deposit and withdrawal processing of each company belonging to the group, and (2) a database file that manages the breakdown of the single deposit account. An integrated management method for financial information of a plurality of companies, comprising a virtual deposit account virtually provided for each company. 6. A method according to claim 5, wherein the fund financial information from each of the companies belonging to the group is transmitted by a computer network using Web technology. . 7. An interest calculation is individually performed on deposits of each company whose contents are managed by the virtual account, and credit line data is individually registered for each company belonging to the group. 6. The integrated management method of fund financial information of a plurality of companies according to claim 5, wherein 8. A method for integrally managing funding and financial information of a plurality of companies belonging to a group using a computer,
(1) A centralized deposit account that is a single deposit account that performs deposit / withdrawal processing of each company belonging to the group, and a virtual file for each company belonging to the group in a database file that manages the breakdown of the centralized deposit account. A procedure for managing the fund financial information of the plurality of companies by the virtual deposit account provided in,
(2) Procedures for converting payment schedule information of multiple companies belonging to the group into a unified format, making a centralized deposit account bank make a comprehensive transfer based on the format-converted payment schedule data, and performing settlement with the centralized deposit account , (3)
Transfers the deposit amount of the settlement account of the company belonging to the group to the centralized deposit account, obtains a statement of the deposit to the centralized deposit account by the funds transfer, and describes the transaction history of each group company on the database file. (4) A company belonging to the group registers payment details data for other companies belonging to the group, converts the payment schedule details data into a unified format, and updates the payment details. A procedure for updating the transaction history data of the companies belonging to the group and other companies belonging to the group based on the data, (5) a procedure for registering interest rate data and credit facility data of the companies belonging to each group, (6) Extract the receipts and payment details and daily balance data of the companies belonging to each group, and make future receipts, payments and accumulation (7) extracting the balance and deposits and payment details data of the group's centralized deposit account, and predicting the surplus or deficient amount of the centralized deposit account; (8) Register the accounts receivable detail data for companies belonging to the other groups of the companies belonging to each group, convert the accounts receivable detail data to a unified format, and see the accounts receivable details data for the companies belonging to the other groups, and confirm the payment Procedures for additionally registering data and updating the transaction history data of the companies belonging to the group and the companies belonging to the other group based on the payment confirmation data, (9) Receivables from companies belonging to each group to third parties Register the statement data, convert the receivable statement data into a unified format, and the third party queries the receivable statement data and confirms payment In addition, the corporate finance center or bank extracts the payment confirmation data via the network, obtains the payment details data of the companies belonging to each group using the farm banking service, and registers the payment confirmation data. Procedure to match the data and the payment details data for each payment source and amount, and to add the payment confirmation data to the payment confirmation data that has been matched, and (10) Access control and input / output using the login password, screen transition password, and execution approval password A method for integrated management of financial information of a plurality of companies, which comprises a data encryption procedure.