KR100448845B1 - The System & Method For Management of Discounting Bill And Recoding Medium to Recode The Method - Google Patents

Abstract

The present invention relates to a management system and method of a discounted note and a recording medium recording a program source thereof. More specifically, the present invention relates to a terminal of a store that receives a predetermined information of a discounted note and registers a discount execution request and outputs a cover page. And a scanning device of a sales office for imaging the output cover page and the received discounted bill real object to form computerized data and transmitting the data to a server of a corporate credit center, and storing the transmitted computerized data and providing the payer or the borrower / It is characterized in that it comprises a server of the corporate credit center for conducting the discounted bill after checking the credit information of the issuer, transmitting the execution history to the terminal of the branch and managing the date of the discounted bill.

The management system and method of discounted bills according to the present invention have the effect of centralizing discounted bills and post-management to the corporate credit center, which can greatly reduce the burden on the sales office, and manpower / time due to manual processing in bill management. It is possible to manage discounted bills more stably and effectively by eliminating the possibility of waste and missing notes.

Description

The system & method for management of discounting bill and recoding medium to recode the method}

The present invention relates to a management system and method of a discounted bill and a recording medium recording a program source thereof. More specifically, the discounted bill received at a sales office is delivered to a corporate credit center through a logistics delivery service. By transmitting the computerized data to the server of the corporate credit center, the server performs the task of executing the discounted bill intensively, and periodically determines whether the MICR value of the discounted bill stored in the corporate credit center is consistent with the computerized data. The present invention relates to a discounted bill management system and method for centralizing discounted bills and post-management to corporate credit centers and efficient bill management, and a recording medium recording the program source.

In general, a discounted bill means a note that has been endorsed to a financial institution by a discounted bill, which means that the financial institution purchases a discount that has been obtained from daily commerce or issued for the purpose of financing. Say.

The financial institution will pay the bill holder (discount client) the amount deducted from the bill amount by the discount fee from the date of assignment to maturity. Such billing depends on the present value of the probable bill, depending on the creditor's credit and the discount client's credit. Ultimately, the bill's face value is the present value.

The primary object of discounted bills is commercial bills based on commodity transactions. The company's short-term working capital is facilitated by facilitating corporate short-term working capital by cashing notes related to trade receivables held by firms. Do it. Discount periods are within one year of financial practice and generally deal with notes within 90 days of maturity. The discounted note will be referred to the bill exchange or collected directly from the payer's bank when the due date arrives, and in case of default the bill will be reimbursed by the discount client.

In the conventional bank, by performing a credit check, execution, and due date management on the discounted bills received by each branch and managing the discounted bills, there is a problem that the burden of the branch is not only very heavy but also delays the processing. There was a problem that a lot of manpower and time were spent by checking the discounted bills by hand every month by manual inspection and an accident such as missing or changing notes.

The present invention has been made to solve the conventional problems as described above, the object of the present invention is to deliver the computerized data of the discount bill with the delivery of the discount bill received at the branch to the corporate credit center via logistics delivery service. By transmitting to the server of the corporate credit center, the server executes all the discounted bills intensively, and periodically determines whether the MICR value of the discounted bill stored in the corporate credit center matches the computerized data and audits it. Management of discounted bills more efficiently and efficiently by eliminating the burden of manpower and time due to manual processing and the possibility of paper leaks by reducing the burden on sales offices by centralizing discounted bills and post management to corporate credit centers. Provides a record medium that records discounted note management system and method and program source It is.

1 is a block diagram showing a system for managing discounted bills according to the present invention;

Figure 2 is a block diagram showing a server of the corporate credit center according to the present invention.

3 is a flowchart showing step by step a method for managing a discounted bill according to the present invention;

＊ Description of symbols for major parts of drawings

10: terminal 20: scanning device

30: server 40: MS reader

50: DB 60: Credit Rating Module

70: execution module 80: date management module

In order to achieve the above object, the discounted bill management system according to the present invention receives the predetermined information of the discounted bill which is received by the branch and sent to the corporate credit center by the logistics delivery service, and then executes the discount. A terminal of a sales office that registers a request and outputs a cover page, a scanning apparatus of a sales office that forms computerized data by imaging the outputted cover page and the received discounted fish room, and transmits the data to a server of a corporate credit center; The server of the corporate credit center that stores the computerized data, examines the credit information of the payer or the borrower / issuer, executes the discounted bill, transmits the execution history to the terminal of the branch, and manages the date of the discounted bill. Characterized in that it comprises a.

The discount note management system according to the present invention reads the MICR value of the discounted bill real thing stored in the corporate credit center, which is sent through the logistics delivery service from the branch, and provides the MS reader of the corporate credit center to the server. It is characterized by including.

The server of the corporate credit center according to the present invention may further perform a function of comparing the MICR value provided from the MS reader with the stored computerized data list to determine whether there is a match.

In addition, the server of the corporate credit center according to the present invention is a DB for storing the transmitted computerized data, the interface is interfaced with the DB to check the credit information of the payer or the borrower / issuer of the discount bill to look up the credit rating And an inquiry module, an execution module for executing the discounted bill according to a normal processing instruction of the credit inquiry module, and a date management module for managing whether an expiration date of the discounted bill arrives.

According to the present invention, a method for managing a discounted bill is received by the terminal of a branch and received the predetermined information of the discounted bill which is received by the retailer and sent to the credit center by the logistics delivery service. (A) outputting the cover page, and calculating the computerized data of the output of the cover page and the received discounted bill through imaging processing by the scanning apparatus of the branch office and transmitting the image to the server of the corporate credit center. step (b), and the server of the corporate credit center stores the transferred computer data, examines the credit information of the payer or the borrower / issuer, executes a discounted bill, and transmits the execution history to the terminal of the branch. It characterized in that it comprises the step (c) of managing the date of the discount bill.

According to the present invention, a method for managing a discounted bill is provided after the server of the corporate credit center receives the MICR value of the discounted bill real object stored in the corporate credit center by being sent through the logistics delivery service, and then the MICR value. And (d) comparing the stored computerized data list with each other to determine whether there is a match.

The step (b) according to the present invention further includes the step of checking the computerized data formed by the imaging process and displaying an error list and providing the person in charge if there is an error.

The present invention includes a computer-readable recording medium having recorded thereon a program for executing the discounted bill management method by a computer.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the system and method for managing discounted notes according to the present invention.

Hereinafter, the configuration and operation of the present invention shown in the drawings and described by it will be described as at least one embodiment, whereby the technical spirit of the present invention described above and its core configuration and operation is not limited. Do not.

1 is an overall configuration diagram showing a system for managing discounted bills according to the present invention. As shown in the drawing, the system for managing discounted bills according to the present invention includes a terminal 10, a scanning device 20, and a company of each branch. It consists of a server 30 of the credit center and the MS reader 40.

The terminal 10 is preferably a personal PC that is held for each person in charge of the sales office. The terminal 10 may include input means for inputting predetermined information of a discounted note, a monitor for displaying the inputted information, and various types based on the inputted information. It consists of a main body with an application program that forms a cover page. In addition, each terminal of the branch is preferably connected to each other through the LAN line so that the input can be shared.

The scanning device 20 scans the discounted bill and the cover page to form image data, and checks whether the formed data is in error, and various edits such as expanding or reducing the size of the data or rotating directions. It is composed of a computer with a built-in application that performs a function and can be transmitted to the server 30 of the corporate credit center.

The scanner is a device for converting images represented in various documents into digital data, and refers to a device for scanning bright light onto the document and converting the reflected light from the document into an electrical signal. The image reflected from the document is input to the optical sensor as analog information, amplified and converted into a digital signal by an analog to digital converter. The photoelectric conversion method uses an optical scanning method that scans a piece of paper with a narrow beam of light source and reads the reflected light with a sensor, and uses a self-injection sensor having multiple pixels to read an image on paper. There is a sandpaper method and a mechanical scanning method for reading an image by moving a carriage equipped with a light source and a photo sensor, and the scanner according to the present invention may apply any of the above methods.

The terminal 10 and the scanning device 20 are connected to the LAN, and also connected to the server 30 of the corporate credit center through a network to implement a variety of data transmission and reception.

2 is a block diagram showing a server 30 of the corporate credit center according to the present invention.

As shown in the figure, the server 30 of the corporate credit center has a DB 50 for storing the transmitted computerized data, and the DB 50 is interfaced with the credit of the payer or the borrower / issuer of the discount paper. Credit inquiry module 60 for searching the information and querying the credit rating, Execution module 70 for executing the discount bill in accordance with the normal processing instruction of the credit inquiry module, and the date to manage whether the expiration date of the discount note It consists of a management module (80).

The DB 50 stores the computerized data of the discounted bill and the cover page transmitted from the scanning apparatus 20 of the branch, and retrieves the stored data when there is a request for predetermined data from the terminal 10 of the branch. To provide the requested data.

In addition, the DB 50 stores credit information of a company or an individual who makes a transaction with a bank, and the credit inquiry module 60 stores the credit of the payer or the borrower / issuer of the discounted bill from the DB 50. In response to the information, a credit inquiry is performed, and if there is no abnormality in the credit inquiry result, a normal processing instruction is transmitted to the execution module, and the execution module 70 executes the discounted bill. The execution module 70 transmits the execution history back to the terminal 10 of the branch so that a representative of the branch can inquire.

In addition, the date management module 80 continuously checks whether the expiration date has arrived, so that when the expiration date arrives, the discounted note may be collected, exchanged, or collected.

The process performed in the credit inquiry module 60, the execution module 70, the due date management module 80 is stored in the interface with the DB 50, and also the request of the terminal 10 of the branch office In this case, it is preferable to transmit the display to the terminal 10 so that the person in charge of the branch can monitor the progress of the discount paper work in real time.

The MS reader 40 is provided in the corporate credit center and reads the MICR value of the discounted bill stored in the corporate credit center, and is interfaced with the server 30 to provide the MICR value to the server 30. do. Here, the MICR stands for Magnetic Ink Character Recognition, and is a character recognition system using special magnetic ink and characters. In other words, a document written in magnetic ink detects a magnetic substance in the ink when it is read, determines the shape of a character, and converts the shape into a digital signal using a method of matching the shape with a set of stored characters and inputting the same into a computer. Numbers and letters found in the lower portion of the discounted bill (usually a bill number, bank code, and amount) are printed in magnetic ink, and thus the MICR value of the billed paper store and the DB 50 Comparing the computerized data of the discounted bill stored in the award, the audit of the stored bill can be performed online.

3 is a flowchart illustrating a method for managing a discounted bill according to the present invention step by step. Hereinafter, a method for managing a discounted bill according to the present invention will be described with reference to the accompanying drawings.

When a discount bill is received from a customer who wants to receive a discount, the person in charge of each branch office confirms the authenticity of the bill. That is, it is possible to confirm whether the paper bill and the discounted bill are true bills, and the discounted bills are delivered to the corporate credit center through the logistics delivery service after obtaining the settlement of the voting rights holder and stored in the corporate credit center.

Apart from the delivery of the discounted note on the offline, the person in charge of the sales office inputs predetermined information of the discounted note on the cover page generation screen displayed on the terminal 10 (S101). The discount execution request is registered according to the input information, and a cover page is generated. Here, in order to generate the cover page, the business number, the borrower's name, the deposit account number, the approval application number, the number of bills, the total bill amount, etc. must be input and must be displayed correctly in the discount bill on the work classification.

The generated cover page is transmitted to the printer connected to the terminal 10 and output (S102). Here, the cover page is for requesting a task from the branch terminal 10 to the server 30 of the corporate credit center, and the server 30 processes the task according to the information of the cover page.

The output cover page is imaged through the scanning apparatus 20 together with the received discounted bill real (S103). The scanning device 30 is a roll method for scanning a document to scan a plurality of documents in sequence, it is preferable that the document written on both sides can scan both sides at the same time.

In addition, the scanning device 30 checks whether an error has occurred during the imaging process, and if there is an error, displays the error list so that the imaging process can be performed again. The computerized data formed by the imaging process is transmitted to the server 30 of the corporate credit center through a network (S104).

The server 30 of the corporate credit center receives the transmitted computerized data and stores it in the DB 50. The DB 50 in the server 30 stores all data related to the corporate credit, such as data of various credit documents and collateral data, and the discounted bill data is also stored and managed in a predetermined area.

The credit inquiry module 60 of the server 30 reads the credit data stored in the DB 50 and then inquires the creditworthiness of the payer or the borrower / issuer of the discounted bill (S105).

If there is no abnormality in the credit check result, the execution module 70 executes the discounted bill (S106), and transmits the execution history to the terminal 10 of the branch. The transmitted execution history is displayed on the terminal 10 of the branch, and representatives can input a predetermined search command to inquire necessary details.

In the due date management module 80, the expiration date of the discounted bill is continuously checked to manage the collection and exchange of the discounted bill. (S107)

In addition, the discounted bill actual goods delivered from the branch through the logistics delivery service is stored in the corporate credit center, preferably every month reading the MICR value of the discounted bill physical bill through the MS reader 40 said Provided to the server 30 and the server 30 is compared to the computerized data stored in the MICR value and the DB 50 to audit the discount bill (S108).

Although the management system and method for discounted bill according to the present invention have been described above, the technical scope of the present invention is not limited to the contents described in the embodiments, and in order to carry out the same purpose of the present invention, It should be noted that the equivalent configuration modified or changed by those skilled in the art does not depart from the scope of the technical idea of the present invention described in the claims. Therefore, modifications or changes in equivalent configurations by those skilled in the art will be constrained by the technical scope of the present invention as set forth in the claims.

As described above, the management system and method of a discounted bill according to the present invention delivers the discounted bill received at a branch to a corporate credit center through logistics delivery and transfers the computerized data of the discounted bill to a server of the corporate credit center. The company performs the discounted bill business and follow-up by transmitting and performing the discounted bill execution service intensively in the server, and periodically determining whether the MICR value of the discounted bill stored in the corporate credit center coincides with the computerized data. By centralizing with the credit center, it is possible to drastically reduce the burden on the branch office.In managing bills, it is possible to manage discounted bills more reliably and effectively by eliminating the waste of manpower / time and the possibility of bills to be dropped. It works.

Claims (8)

A terminal of a branch that receives the physical information received at the branch office and checks the authenticity and receives the discounted bill physical information that is sent to the corporate credit center by logistic delivery to register a request for discount execution and output a cover page; A scanning apparatus of a branch office for imaging the output cover page and the received discounted bill real object to form computerized data and then transmitting the data to a server of a corporate credit center; A server of a corporate credit center that stores the computerized data, examines the credit information of the payer or the borrower / issuer, executes a discounted bill, transmits the execution history to the terminal of the branch, and manages the date of the discounted bill. ; It includes the MS reader of the corporate credit center that reads the MICR value of the discount bill is stored in the corporate credit center and sent to the server through the logistics delivery service provided to the server, The server compares the MICR value provided from the MS reader with the stored computerized data list to determine whether or not match. delete delete The method of claim 1, The server, A DB for storing the transmitted computerized data; A credit inquiry module for interfacing with the DB and searching credit information of the payer or the borrower / issuer of the discount bill; An execution module for executing the discounted bill according to a normal processing instruction of the credit inquiry module; And a due date management module for managing whether the expiration date of the discounted bill has arrived. (1) a terminal of a branch is received at the branch, the authenticity of the branch is confirmed, and information on the discounted bill is sent to the corporate credit center by a logistics delivery service to register a discount execution request and output a cover page; (2) the scanning device of the sales office forming computerized data of the output cover page and the received discounted bill real object through an imaging process and transmitting the data to a server of a corporate credit center; (3) The server of the corporate credit center stores the transmitted computer data, examines the credit information of the payer or the borrower / issuer, executes a discounted bill, and transmits the execution history to the terminal of the branch and the discounted bill. Managing dates of the; (4) The server of the corporate credit center is sent through the logistic delivery service to receive the MICR value of the discounted bill physical material stored in the corporate credit center from an MS reader, and compares the MICR value with the stored computerized data list. A method of managing a discounted bill comprising the step of determining whether or not a match. delete The method of claim 5, wherein Step (2), And displaying, by the scanning device, an error list of the computerized data and providing the representative to the person in charge. A computer-readable recording medium having recorded thereon a program capable of executing the method of any one of claims 5 to 7.