KR100968047B1 - The monitoring and rating system for the compliance of well-timed payments using an electronic bill - Google Patents

Abstract

PURPOSE: A provision payment monitoring and payment cash holiness purity judging system utilizing a bill alternate settlement unit are provided to collect contract between owner and original provider and contract contents between the original provider and the demand provider through ordering body server, original service provider terminal and a supply service provider terminal and manage the contract associated with. CONSTITUTION: A payment monitoring system(510) performs function of payment provision monitoring and payment monitoring and delivery price cash payment evaluating system, member information management and transceiving information encoding/decoding utilizing supply and demand information management, cash payment support, payment support, payment confirmation, payment confirmation report management and bill alternating payment means. A cash payment evaluating system(520) performs validity evaluation of cash payment, cash payment evaluating support and cash payment evaluating report management.

Description

Monitoring and rating system for the compliance of well-timed payments using an electronic bill}

The present invention provides data processing according to the flow of funds between different payment parties, DB construction, payment payment standard compliance and collection of evidence, and real-time payment status monitoring in a purchasing process where the purchaser purchases and pays for goods and services. The payment monitoring system, which enables the timely payment settlement process between parties to be managed through the linkage with the payment financial institution, to pay the purchase price as a payment method (same as cash settlement or electronic bill). It is a technology that establishes an appropriate payment system for supplier payment that enables the client to evaluate and manage the contractor's eligibility through a fair evaluation method and evaluation index.

In the conventional domestic payment process, as shown in FIG. 3, the business process of the client regarding the timely payment confirmation of the delivery charges generated between the original business operator and the beneficiary business operator is as follows. A document or a copy of a bankbook is submitted to the client, and the client is manually checking whether the delivery price has been properly paid based on the received document.

However, in reality, payment methods and payment methods are much more complicated and diverse depending on the business process, and there is a need for substantial improvement in the payment method and verification because the business process is different between each operator. If payment is made to the operator and the supporting document is notified to the client, delayed or unpaid damage may occur to the contractor with poor bargaining power. If the original business's creditworthiness or financial soundness is weak, delayed payments may occur due to settlement of the delivery bill. If the original business fails to pay the bill, the financial institution will reimburse the provider. The exercise of claims has resulted in unpaid payments.

In addition, in order to confirm the timely payment of the original company's delivery price, a series of processes of linking and confirming and checking the results of the payment according to the individual's payment business standards are handled by hand instead of mutual information. As a result, the work efficiency is lowered, and it is difficult to induce timely payment of the delivery price through the payment check.

Therefore, the present invention has been conceived to solve the above problems, the payment server through the data linkage between the client server, the original operator terminal, the beneficiary terminal, financial institution server and payment monitoring system, cash settlement appropriate screening system By establishing the relevant DB and providing the evaluation method and evaluation indicators of partner companies by linking the payment results of cash settlement, the efficiency of work related to the payment and verification of the client, the original company and the beneficiary company, submission of supporting documents, and the qualification of the partner company The purpose is to provide a system for monitoring payments and using a payment system for payment of cash on delivery, using bill substitutes that can increase the amount of money.

Another object of the present invention is that the original operator pays the delivery price to the beneficiary through cash deposit account or designated account of the financial institution with which the client has entered into an agreement, or pay and repay with cash settlement, which is a bill for payment without repayment right, It aims to improve the transparency of payment for payment and to provide the beneficiary companies with payment payment monitoring and proper screening system for cash payment using the payment method of bill payment.

Another object of the present invention is to take advantage of the bill replacement means for improving the process by automating the work process through the system linkage to ensure that the delivery price paid to the original business owner was paid to the beneficiary company in compliance with the appropriate cash ratio in a timely manner. It is to provide a system for monitoring payment of payments and proper payment system for payment of cash on delivery.

Another object of the present invention is to take advantage of the bill settlement means that allows the owner to check online in real time without submitting the relevant documents that were originally submitted to the client for the payment and payment standards compliance It is to provide payment monitoring and proper payment system for payment of cash on delivery.

Another object of the present invention is to provide a bill replacement means that allows the client to automatically pay (SMS, official letter, designation form, etc.) of the work that paid the delivery price and separately notify the relevant department, the original business, and the beneficiary in the client It is to provide a system for monitoring payment payments and proper payment system for payment of cash on delivery.

Another object of the present invention is to settle the cash settlement (the criteria that can be recognized as paid by the original business provider to the beneficiary company in cash so that the original business can be paid to the beneficiary company in advance before receiving the payment from the client) It is to provide a payment payment monitoring system using a bill payment method that provides a function to automatically meet the timely and proper payment of the original business owners by providing a satisfactory system.

Another object of the present invention is to provide a method and a standard for providing a method and criteria for the client to examine and evaluate the eligibility as a contract partner for the original operator for the result of the timely payment of the delivery price by the original operator. The purpose of this study is to provide payment monitoring and payment appropriation system for payment.

In order to achieve the above object, the payment payment monitoring and delivery payment cash settlement appropriate screening system using the bill settlement means according to the preferred embodiment of the present invention provides the cash settlement for the original business entity through the support of financial institutions and the client. This service consists of timely receipt of delivery price and cash settlement function for beneficiary companies, simplification of submitting supporting documents for timely payment and receipt of delivery price, automation of timely payment confirmation by the client, and provision of qualification and evaluation methods for the original business. Base, original contract information, supply contract information, purchase price (prepayment, ready and completed) payment information, purchase payment payment account fixed and contract execution information, purchase payment timely payment confirmation result information, evidence, cash settlement usage information, Proper payment confirmation result information, payment adequacy evaluation and the results of the settlement A payer monitoring system utilizing the means and a client server having a function of transmitting and receiving a cash payment settlement proper examination system; After agreeing to apply the payment monitoring system and payment payment cash screening system using the bill payment method, the original contract information is confirmed, purchase price (prepayment, ready and completed payment) is ordered, and delivery through cash payment An original operator terminal having a function of transmitting a payment instruction; After agreeing to apply the payment payment monitoring system using the bill settlement method and the appropriate payment system for the payment of cash, the purchaser confirms the contract information registered by the client, registers the payment history, and receives the cash settlement information. A supplier terminal having; Deposit and withdrawal information for designated accounts in the name of the original business owner, information on the use of cash payments by the original business owner, information on payment of cash payments to the beneficiary companies, payment and transfer order information on purchase payments, and payment approval information on cash settlement using the bill settlement method A financial institution server having a function of transmitting / receiving with a payment monitoring system and an appropriate payment system for payment of cash on payment; The original contract information management module for managing the original contract information received from the client server, the supply contract information management module for managing the supply contract information received from the client and confirmed by the contractor, and the original contractor delivers to the contract provider by cash settlement Cash settlement support module to support payment, a payment support module to support the original business owner to directly pay the supply amount of the purchase price paid by the client, and the purchaser's purchase A payment confirmation module that analyzes and confirms the payment result by checking the payment details, the payment history of the original business operator, and the payment history of the beneficiary company, and the payment confirmation business support module for convenience and simplification of the payment order confirmation work of the client. A payment confirmation report management module for reporting and managing payment confirmation results; Website built to provide the functions of the payment payment monitoring system using the bill settlement method and the appropriate payment system for payment of cash on delivery, as a web service, application for membership registration / approval / registration / management / benefit, etc. A payment monitoring system comprising a member information management module for managing a communication module and a communication module having a function of encrypting transmission and reception information between the server and the terminal; Through the system linkage with the payment monitoring system, the purchase price payment management information, cash payment issuance (discount) and repayment information, delivery charge request, and payment history information are automatically received, and the price requested by the client after linkage analysis with the contract information. Confirmation of compliance with payment standards, analysis of appropriate payment performance of cash settlement, adequacy evaluation according to standard indicators, cash settlement appropriateness evaluation module that provides the ability to evaluate qualified companies for original businesses, cash settlement adequacy analysis, and client's assessment of qualified companies Appropriate assessment system for cash settlement consisting of a support module for proper settlement of cash settlement for providing business convenience and a management module for appropriate settlement of cash settlement for reporting on adequacy evaluation results; Characterized in that it comprises a.

As described above, by using the bill settlement means, the client monitors the timely payment of the purchase price to the beneficiary's beneficiary company, and based on the performance of cash or cash settlement to the beneficiary's beneficiary company, The payment monitoring and billing appropriation screening system using the bill payment method that evaluates the adequacy of the qualified company has the following effects.

First, the present invention collects the contract between the owner and the original operator and the contract contents between the original operator and the beneficiary operator through the client server, the original operator terminal, and the supply and demand operator terminal to improve the management work process and convenience of contract management. It can provide easy data collection and DB management.

Second, in the present invention, the purchase price paid by the client is paid to the original business owner and the original business owner pays the share of the beneficiary company to the original business owner so that the original business owner pays according to the criteria recognized by the client as a fair transaction. It monitors the operators' compliance with the payment business and makes it easy to check and manage the payment results by the client, the original business and the beneficiary.

Third, in order to support the original business owner to make timely payment of the supply price to the beneficiary company after the client deposits the purchase price to the original business owner, the client may automatically notify the original business owner and the beneficiary company of the purchase price. (SMS, memorandum, etc.).

Fourth, the present invention directly submits the document (visit, mail, etc.) in order to confirm the result of the payment and receipt of the delivery payment received from the client by the original business owner or the beneficiary company. Since documentary management of payment and receipt is possible, the data submission work of the original business owner and the beneficiary business may be omitted.

Fifth, the present invention can provide the convenience of payment of payment to the original business and the convenience of recovering the payment of payment to the beneficiary service provider by supporting cash settlement that the beneficiary does not bear the repayment right to the financial institution.

Sixth, the present invention can simplify the work by allowing the supervisory department of the client to automatically notify the management department of the result of the timely payment of the delivery price through the system.

Seventh, the present invention is a database of the data collected from the original operator and the beneficiary company is built as a DB so that the client can conveniently report to the data storage, the client's internal manager or related organizations after confirming the payment payment, data search and statistics Data can be used to simplify the work of the client.

Eighth, the present invention fundamentally solves the problem of delayed payment or non-payment of subcontract payment (delivery price) through timely payment confirmation function of delivery price provided by this system and cash settlement of partner financial institutions, thereby providing cash liquidity of beneficiary operators. It can improve the transparency of payment and the transparency of payment.

Ninth, the present invention can increase the ease and efficiency of the client's timely payment management of the delivery price by allowing the owner to automatically meet the desired criteria in paying the delivery price to the recipient.

Tenth, the present invention allows the original business owner to pay the delivery price by cash settlement, including the classification of the order, so that the timely payment proof of the delivery price can be automatically generated.

Eleventh, the present invention analyzes the execution result of timely delivery and proper payment of the original business owner's beneficiary company, thereby providing the client with evaluation indicators and methods for whether the original business entity is a qualified company and the client Provide criteria for managing eligible companies.

1 is a view showing the configuration of a payment monitoring and payment cash payment proper screening system using the bill settlement means according to an embodiment of the present invention.
2 is a flowchart illustrating a combination of a payment monitoring system and a cash settlement proper screening system according to an embodiment of the present invention.
Figure 3 is a view showing for explaining the management status of the delivery payment when the conventional client is a public institution.
4 is a view showing a detailed flowchart of the payment monitoring system according to an embodiment of the present invention.
5 is a view showing a detailed flowchart of a cash settlement appropriate screening system according to an embodiment of the present invention.
Figure 6 is a view showing to explain the evidence and standard indicators for the audit and evaluation of the original operator in the cash settlement appropriate screening system according to an embodiment of the present invention.

Looking at the preferred embodiment of the present invention together with the accompanying drawings as follows, when it is determined that the detailed description of the known art or configuration related to the present invention may unnecessarily obscure the subject matter of the present invention The description will be omitted, and the terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to the intention or custom of the user or operator, and the definition thereof is a payment using the bill settlement means of the present invention. It should be made based on the contents throughout this specification that describe the monitoring and payment settlement system.

1 is a view showing the configuration of the payment monitoring and bill payment cash payment appropriate screening system using the bill settlement means according to an embodiment of the present invention, the bill payment monitoring system using the bill settlement means (510) And the representative road of the cash settlement appropriate screening system (520) has been described in connection with the client server 100, the original operator terminal 200, the supply and demand terminal terminal 300, the financial institution server (400).

First, if the description of the configuration of the ordering server server and the system linkage method with the payment monitoring system 510, the ordering server 100 is an electronic bidding service or electronic contract service for contract management with the original operator, the original operator management Services such as internal systems (ERP, SCM, EDI, etc.) that have contract management functions such as bidding, review, bidding, contract, ordering, supervision, and completion of original contracts, and local contract management The server with the installed program is used to store and manage the contract-related data in a DB. Currently, most mid-sized companies and above clients implement and use it in a separate server as above. In addition, data on the creation and registration of expenditure-related data for payment of the delivery and the transfer of funds (firm banking, internet banking, direct transfer, etc.) are also stored in the DB so that information can be linked to each contract or original business operator for management. Complement the new contract management DB that connects contract and settlement. This DB can communicate by using DB relay server to strengthen network security at the request of the client.It can communicate through connection between servers with DB to DB, or in various forms of communication such as Http communication, VPN communication, and leased line method. To communicate with the payment monitoring system 510 so that it can be connected and secured by a double encryption method using a certified security module toolkit (KICA Secu-kit, soft forum, etc.) and a certificate for DB and communication security. Configure.

Next, if you explain the configuration of the original operator terminal 200 and the system connection method with the payment monitoring system 510, the general computer or the internal system of the original operator (ERP, SCM, MIS, accounting management program, etc.) The operation server is available to all, and the DB transmission method can be entered by directly accessing the payment monitoring system 510 website, using a separate input application, or providing a file down / uploading method after calculating the DB of the internal system, In order to manage the contract with the contractor, the originator can also link with DB on a separately constructed server, and accept various forms of linkage such as DB provision through view table configuration. The cash settlement payment instruction function can be configured to select and use the payment monitoring system 510 or a separate internet banking system of a financial institution, if necessary, so that the DB and communication security for the sender / receiver may be Same as the transmit and receive complementary application.

Next, if the description of the configuration of the supply and demand provider terminal 300 and the system connection method with the payment monitoring system 510, the supply and demand terminal (300) is a general computer with Internet access for payment information monitoring system ( 510) Directly access the web site or install a separate input application so that the information can be provided in a key-in or file (Excel, etc.) down / uploading method. When using the electronic tax invoice service or file downloading from the accounting program, some can communicate with the file in the designated form, and the security is encrypted through the application of the public security module of the Http method.

Next, when the composition of the financial institution server 400 and the system linkage method with the payment monitoring system 510 are explained, the financial institution server 400 is a server that handles the financial institution-specific operations, in particular, the electronic payment service server. This is done by the financial institution. Due to the nature of the financial institution, it communicates through a separate communication server in the DMZ section, and the electronic documenting method of the information is connected according to the communication module held by the financial institution individually. Since each bank has a different type of specialization, it develops the communication module of five commercial banks in an integrated form, and the communication security encryption policy is configured to accommodate all the Http method, VPN, and leased line according to the bank's standards.

Next, if the description of the configuration and essential functions of the payment monitoring system (510), the client server 100 / original operator terminal (200) / supplier business terminal (300) / financial institution server (400),

First, the original contract information management module 511 is a module that stores and manages the original contract contents contracted by the client and the original contractor and the purchaser's delivery payment information for the original contract as a DB and stores the basic contents (contract number, contract). Period, contract amount, contract name, contract type, original business information, joint business information, etc. It manages information management, payment management information such as prepayment of the original business owner, established and completed funds, and management of contract balance by registering and managing unique contract separator (contract number, order number, etc.) and distinguishing original business owner information. do.

Next, the supply contract information management module 512 includes the contents of the supply contract contracted by the original business owner and the beneficiary company, the details of which the beneficiary company paid the ready and completed money to the original business owner, and the details of the payment of the ready and completed money from the original business owner. It is a module that stores and manages as a DB in connection with the original company and the supplier. After signing a supply contract, the contents registered and reported to the client are the supply contract. Management of company information, etc., management of updating the contents of the contract by changing the order of change in the contract of supply and demand, details of the application for the original and completed funds of the beneficiary, and the deposit of completed and completed payments paid to the original business. It manages the payment information management and the balance management of the contract by registering the unique contract separator (contract number, order number, etc.) and the identification information of the supplier. .

Next, the cash settlement support module 513 supports the original business operator to pay the delivery price to the beneficiary business through the cash settlement system contracted with the financial institution and repays the cash settlement payment amount with the purchase price paid by the client. It is a function to save and manage as a DB by linking one detail, and it is possible to link the supply contract separator (business number) to check the supply payment for any supply contract, and to identify the payment date, repayment date, payment amount, and supply contractor. It includes information on deposit account information at the time of discount, and includes the function to verify and manage the repayment details in connection with the financial institution's DB after repaying the cash payment for each purchase contract.

Next, the payment support module 514 notifies the transfer and payment instruction to distribute the purchase price paid to the financial institution designated account in the name of the original business company to the beneficiary company, the co-business owner or the original business owner, respectively. Transfer order information is managed by DB including the identification information of beneficiary companies, payment and transfer amount, transfer account information, application date, payment date, and fund classification (prepayment / fund / completed funds) in connection with the supply contract information. It includes the function to connect and manage the deposit and withdrawal details provided by the institution to the DB.

Next, the payment check module 515 is a function for checking whether the original business operator has paid the delivery provider in timely amount of cash according to the criteria required by the client, and the original contract information management module (511). The information received in connection with the contract information module 512, the cash settlement support module 513, and the payment support module 514 is combined and analyzed to confirm the payment payment criteria. Information on receipt of payment, information related to the original contract and the supply contract, information on the payment date of the original contract and the supply contract receipt date, information on the date of claiming the payment of the beneficiary company and the repayment date of the original contractor, and the original contract of the designated account The payment amount payment of the original business operator by comparing the details of the payment of the payments and the details of the withdrawal from other accounts transferred under the name of the beneficiary company, the joint business owner, and the original business owner. Comply with building management to verify DB. Link the original contract identification code, supply contract identification code, payment date, payment date, cash payment repayment date to each collected information for comparison. In this case, it is compared with the repayment maturity date of the cash settlement, and it is included to include the case where the original business owner repays the delivery price at his own expense. Examples of client requirements are based on the “Act on Contracts with States as Parties” or “Act on Contracts with Local Governments” if the client is a public institution or a public company. We calculate based on "law about".

Next, the payment payment support task support module 516 has a function of automatically notifying the originating company, the beneficiary service provider, or the client's internal department after payment of the payment during the payment management work of the client and the information verified in the payment payment confirmation module 515. Report and keep the documents internally and externally, and automatically check the proof of payment payment. When the purchaser pays the purchase price, the owner, the receiving company, and the contract management department within the orderer are automatically notified by SMS or official letter. It includes a function to make verification, reporting, and storage convenient by making a DB by comparing the details of the registration with the receipt registration details of the recipients.

Next, the payment confirmation report management module 517 is a form output function of various report forms for reporting the results verified by the payment confirmation business support module 516 to the client and the outside, and proof data output function for the verification scholar, It provides convenience functions that can be classified and sorted by other contracts, business owners, and dates.The common reporting tool is applied to fill out the forms used by the client in the form of electronic documents to enable input and output. It provides various search conditions, sorting functions, and output functions for calculating the report data of external organizations, and includes a function that enables the client to prepare the necessary documents.

Next, the member information management module 518 includes a function of granting and managing access rights to a website established to provide the payment monitoring system 510 as a web service. It is configured to manage records such as receiving consent to use information, managing personal identification information, and managing access history.In particular, the details related to the transfer of funds can enable certification in case of future problems through the processing of accredited certificates and access log accumulation. It includes.

Next, the communication module 519 is a specialized communication means between the client server 100, the original operator terminal 200, the supply and demand terminal terminal 300, the financial institution server 400, the specific port opening method of the socket method, Http communication , VPN communication, and dedicated line communication are all possible, and the communication with the client server 100 is developed and utilized in accordance with a separate professional format, and certified using a certified security program toolkit for DB and communication security. It is developed to encrypt / decrypt in a manner, and the communication with the financial institution server 400 performs the DB and communication security through the application of the communication module possessed by the financial institution and the security policy, and the original operator terminal 200 and the supply and demand operator terminal (300). ) Includes the ability to apply in an authenticated manner using an accredited security vendor toolkit.

Next, if the description of the composition and essential functions of the cash settlement appropriate screening system 520, the linkage method with the payment monitoring system 510,

First, the cash settlement appropriate screening module 521 checks whether the purchase price paid by the client is paid to the receiving company through the original business owner in a timely manner, and selects the original business owner who makes timely payment so that the client can continue to trade. It includes the function to provide the evaluation method of performance of timely payment of the delivery price and the management criteria to the qualified company through the fair evaluation index. This cash settlement appropriate screening module 521 compares the billing date of the contractor's delivery and the cash settlement payment date of the original provider with the cash settlement payment received from the beneficiary and the cash settlement payment and repayment history from the financial institution. After accumulating the results annually, as shown in FIG. 5, the fair evaluation method includes a function of a fair business operator evaluation method, which is evaluated using a standard standard for proper screening and gives an additional point to the qualifying screening in the next year's bid evaluation.

Next, the cash settlement appropriate screening business support module 522 functions to manage the inquiry, collection, and output of supporting data for the cash screening screening, and to provide electronic notification to the relevant departments of the original business owner and the client about the audit results. It includes the function to update the qualification standard indicators to be applied annually by modifying changes in the disclosure data of public institutions (Financial Supervisory Service, IRS, Bank of Korea, etc.) applied to the generation of standard indicators.

Next, the cash settlement appropriate screening report management module 523 is a convenient function for reporting the results of the cash screening proper screening to the client and the external institutions. It provides various search conditions and sorting forms for searching and sorting by stars, and provides the function to manage and output them as a report.

FIG. 2 is a flowchart in which a payment monitoring system and a cash settlement proper screening system according to an embodiment of the present invention are combined, and show a detailed flowchart of business processing using the module described in FIG. 1.

Briefly explaining this flowchart, the client concludes the original contract with the original business operator, registers and transmits the original contract information, and the original business operator enters into a financial institution a new designated account and payment settlement agreement to receive the purchase price from the client. The financial institution then transmits the opened account and the bill settlement agreement to the payment monitoring system 510 in full. This information is then notified to the client, so that the client can change the account from which the owner pays the purchaser to this opened account and control the owner from changing the account without the consent of the bank and the client. After that, when the original contractor enters into a supply contract with the beneficiary, the contractor opens a new account with a financial institution and accepts cash settlement to receive payment from the original contractor. When the basic account opening and contract registration is completed, the original contractor and the contractor that the original contractor and the contractor reported to the client are transferred to the payment monitoring system 510, and the contractor and the contractor are paid monitoring system. After confirming that there are no errors in the contents of each contract by accessing (510), register in advance so that the payment can be linked and managed in the future. When the contractor implements the construction and charges the original business for delivery, the original business owner can pay by cash payment before receiving the purchase price from the client. When the original business operator registers the payment instruction in the payment monitoring system 510, it is financed. Upon payment to the institution and the approval of the financial institution is completed for the payment, the beneficiary will be paid in cash by the beneficiary. The beneficiary can either cash it directly through the financial institution or receive it in cash on the maturity date. Transmission to payment monitoring system 510. After that, when the original business owner requests the purchaser's purchase price, including the delivery price received from the beneficiary company and the construction price that can be paid through the execution of the original contract, the client deposits the purchase price in the designated account and pays the payment details. When the notification is made in 510, and the payment monitoring system 510 notifies the original operator and the beneficiary of the contents of the purchase price deposit (SMS, official letter, etc.), the original operator pays the beneficiary of the purchase price. The payment instruction is registered in the payment monitoring system 510 in order to pay the sales price, which is sent to the financial institution in full. Repayment and only the balance is deposited, the remittance provider registered in the payment monitoring system 510.

The client collects the purchase, payment, and billing, payment, receipt, and cash payment discount information to identify and evaluate the timely and appropriate payment of the original business owner. It is a flow chart that continuously manages qualified companies with the calculated results.

FIG. 3 is a diagram illustrating a management status of payment for delivery when a conventional client is a public institution, and serves as a planning background of the payment monitoring system 510. The “Law on Contracting with a Country as a Party” This figure shows the difficulty of managing payments for the payments due to the current flow of the management of payment for payments, including subcontracting, for which the public organization's owners who have to comply with the Law on Contracts with Local Governments as Parties. The client should pay cash within 7 days of the original business owner's claim, and the original business owner should also pay the receiving business owner within 15 days of the same rate of cash.After the payment, the client should comply with the above criteria. As there is an obligation to check / manage the payment, the owner and the beneficiary receive a copy of the bankbook or payment details within five days and check it manually. In addition, when the billing cycle of the beneficiary company and the billing cycle of the original business owner is different, the original business owner may pay an out-of-pocket or other payment means other than cash (such as paper). Through this, we will support the client to automatically handle the collection and verification of related data.

4 is a view showing a detailed work flow diagram of the payment monitoring system according to an embodiment of the present invention, it can be confirmed the role and work content of the client / original business owner / beneficiary service provider / financial institution.

Contract information entered into between the client, the original business owner and the beneficiary company, contract information using the financial institution's cash settlement, and a fixed account, payment information, which is the details of the purchaser's payment, transfer of the purchase price and Payment instruction information for distribution, cash settlement payment instruction information for payment of the original business operator, deposit information received by the beneficiary company and cash receipt payment information, fixed account deposit and withdrawal details, cash payment payment and repayment history information Payment monitoring system (510) that includes a flow chart for each server, and the function to confirm the client's notification function and the analysis of the designated account input / withdrawal, cash payment payment and repayment history to prove the adequacy of the payment of the original business operator Detailed flow chart of.

FIG. 5 is a diagram illustrating a detailed flowchart of a cash settlement proper screening system according to an exemplary embodiment of the present invention, and it is possible to confirm the role and work content of a client / original business operator / receiving business operator / financial institution.

Prepayment and purchase payment payment information, delivery payment information, cash settlement payment and discount, and repayment information are provided through the payment monitoring system (510). Detailed flowchart of the cash settlement appropriate screening system 520 is provided to the client to evaluate the original business owner.

FIG. 6 is a diagram illustrating the evidence data and standard indicators for screening and evaluating original business operators in a cash settlement proper screening system according to an embodiment of the present invention. It explains the evidence criteria for the method and the indicator values used in the calculations.

First, the basis for calculating the evaluation method has a positive effect on the industrial economy compared to those who do not make a fair payment in the transaction between firms. The order to expand the sound industrial structure by increasing such a fair paying company This is to compare and evaluate the performance of fair payments among business transactions. In other words, when a company purchases goods and services and pays for them, it evaluates the amount paid fairly by cash payment, or calculates and evaluates the proportion of fair payments by cash payment from the performance of contracts performed by the same client. Way. The standard indicators calculated according to these two evaluation methods are quoted from the index values of the recognized standards.First, they are cited in the settlement documents such as audit reports and detailed adjustment reports that report sales to the Financial Supervisory Service or the IRS as corporate sales. The order performance for a particular orderer is provided through the contractor's contract, order form, and confirmation of the order (order) .The ratio of purchase to sales is based on the standard industry classification in the main business analysis index published by the Bank of Korea annually. The industrial classification refers to the business code of VAT return by the National Tax Service, and the cash settlement results are calculated and quoted after receiving payment settlement and repayment details from financial institutions and settlement agencies. Based on these standard indicators, the amount of cash settlement to sales is 30%, 50%, and 70%, which gives additional points to the bidding screening of the company. Additional points are given according to more than 80% and more than 80%, and the cash settlement ratio as compared to the order amount is more than 40%, 60% or more, and 80% or more of the average ratio of purchases to sales. Establish standard indicators of appropriate audits. These three methods will be applied by the client to suit convenience and fairness, and will lead to an expansion of the proper payment for the supply business.

As described above, various substitutions, modifications, and changes can be made by those skilled in the art without departing from the technical spirit of the present invention, and thus, the embodiments and the accompanying drawings are limited. It doesn't happen.

100: client server 200: the original operator terminal
300: provider terminal 400: financial institution server
500: Payment monitoring and cash settlement proper screening system
510: Payment monitoring system 520: Appropriate screening system for cash payment
511: original contract information management module 512: supply contract information management module
513: cash payment support module 514: payment support module
515: payment confirmation module 516: payment confirmation support module
517: Payment check report management module
518: member information management module 519: communication module
521: Appropriate screening module for cash settlement 522: Appropriate screening module for cash settlement
523: Appropriate audit report management module for cash settlement

Claims (12)

Leverage the payment payment system and financial institution's cash settlement system, which enables the client to manage whether the payments made to the contractor's orders are smoothly provided to the beneficiary companies in a timely manner. In the payment payment monitoring system using the bill settlement method and system for assessing the adequacy of the eligible companies based on the timely payment support for the delivery price and the appropriate payment performance,
Providing cash settlement to original business operators through support of financial institutions and clients, supporting beneficiaries on timely receipt of payment and cash settlement function, simplification of submission of timely payment and receipt of receipt of payment, and confirmation of timely payment of client It consists of services that support automation, qualification of original business operators, and evaluation methods.
Original contract information, supply and demand contract information, purchase price (prepayment, ready and completed payment) payment information, fixed payment of the payment account and contract execution information, timely payment confirmation result information, evidence, cash settlement usage information, cash settlement A purchaser server having a function of monitoring payment payment using a bill settlement method and sending and receiving a payment payment cash settlement proper evaluation system using a bill settlement method;
After checking the payment payment using the bill settlement method and agreeing to apply the appropriate payment system for cash payment of the delivery price, confirm the original contract information, order the payment for the payment (prepayment, established and completed), and pay the delivery price through cash settlement An originating terminal having a function of transmitting an instruction;
After agreeing to the payment payment monitoring system using the bill settlement method and the appropriate payment system for cash payment for delivery, confirming the supply contract information registered by the client, registration information for the receipt of the payment, sending cash receipt and repayment information A provider terminal having a function;
Deposit and withdrawal information for designated accounts in the name of the original business owner, information on the use of cash payments by the original business owner, information on payment of cash payments to the beneficiary companies, payment and transfer order information on purchase payments, and payment approval information on cash settlement using the bill settlement method A financial institution server having a function of monitoring and transmitting and receiving payments and cash payment appropriate payment system;
The original contract information management module for managing the original contract information received from the client server, the supply contract information management module for managing the supply contract information received from the client and confirmed by the contractor, and the original contractor delivers to the contract provider by cash settlement A cash settlement support module that supports payment, a payment support module that allows the original business owner to directly pay the supplier for the amount of the purchase price paid by the client, and the purchaser's purchase. A payment confirmation module that analyzes and confirms the payment result by checking the payment details, the payment history of the original business operator, and the payment history of the beneficiary company, and the payment confirmation business support module for convenience and simplification of the payment order confirmation work of the client. A payment confirmation report management module for reporting and managing payment confirmation results; Monitoring of payment using the payment method and the payment of cash on delivery, the website established to provide the function of proper payment system for cash payment, and the application for membership registration / approval / registration / management / termination for the use of the website. A payment monitoring system comprising a member information management module for managing and a communication module having a function of encrypting and transmitting and receiving information between the server and the terminal;
Through the system linkage with the payment monitoring system, the purchase price payment management information, cash payment issuance (discount) and repayment information, delivery charge request, and payment history information are automatically received, and the price requested by the client after linkage analysis with the contract information. Confirmation of compliance with payment standards, appropriate payment performance analysis of cash settlement, analysis of adequacy according to standard indicators, a cash settlement appropriateness screening module that provides the ability to examine the eligibility of the original business owner, the analysis of the adequacy of cash settlement and the client's eligibility for the original business A cash settlement appropriate audit system consisting of a cash settlement appropriate audit business support module to provide fairness and convenience of a company's audit business, and a cash settlement appropriate audit report management module for the convenience of reporting on adequacy audit results; Payment payment monitoring and payment cash settlement appropriate screening system using a bill settlement means characterized in that it comprises a.
The method of claim 1,
The payment payment monitoring system receives the contract details (contract number, order number) and operator number after receiving each contract contents entered into between the client and the original business owner, the original business owner and the beneficiary service provider through the communication module. The relationship between the original contract and the contract of supply and demand, the contract information is made into DB so that the payment information can be distinguished by the contract case in the future, and if the contract amount / period / provider is changed, the change order is given to the history. Management, and the payment settlement means, which includes the order payment confirmation function of the client, which checks whether the original operator pays the delivery timely and appropriately by cash settlement or cash settlement. Payment payment monitoring and delivery payment cash screening system.
The method of claim 1,
In the payment monitoring system, the client cooperates with the client for the automatic management of payment through the financial institution server for the contract that the client checks the payment with the payment payment monitoring system using the bill settlement method and the proper payment for cash payment. The purchase price should be deposited only in a single designated account in the name of the original business entity of the financial institution, and the function of payment and transfer can be divided into the share price of the common business operator, the beneficiary business company, and the original business company. Providing payment information for the financial institution to be automatically repaid to the recipients of cash payments to the beneficiary companies, and matching and managing the original contract and supply contract information for each payment for future payment verification. It is characterized by including the function to make DB by distinguishing from financial institution server. A cash payment cash payment and delivery monitoring proper screening system utilizing alternative bill payment methods.
The method of claim 1,
The payment monitoring system automatically registers the payment account as a fixed account in the client's server when the original operator opens the cash settlement agreement and the deposit account in the financial institution server for fixing the purchase price payment account and managing the entry and withdrawal of the fixed account. Inform the client as much as possible, make sure that the client pays the purchase price only through this account, and that the original company pays the delivery fee to the beneficiary through this account and pays the deposit, withdrawal time, and cash payment to repay the cash payment. It is managed in connection with the contract separator, and the payment payment monitoring and billing cash settlement appropriate screening system using the bill settlement method, characterized in that it includes a function to automatically timely check the payment and proper payment.
The method of claim 1,
The payment payment system is an electronic payment function that allows payment of cash on delivery from the original operator's terminal and the financial institution server, and then provides the payment to the beneficiary company through cash payment, and the automatic payment of cash by the purchaser's purchase price. When paying cash payments to be repaid, the information is matched with the original contract and the supply and demand contract information, and provided to the financial institution server to pay the cash payments by contract, characterized in that it includes a payment method using the bill settlement method Appropriate audit system for monitoring and paying cash on delivery.
The method of claim 1,
The payment monitoring system checks whether the purchase price paid by the client has been properly paid to the beneficiary company through the original company in a timely manner. Analyzes the payment and repayment history using the system, which automatically checks the time difference between the time paid by the client, the time deposited to the beneficiary company, the time paid by cash settlement, and the time when the cash settlement was repaid, Monitoring of payment payments using bill settlement means and proper payment of cash payments, including the function of analyzing whether the original business owner paid the supplying company to the beneficiary company in a timely and appropriate cash ratio by automatically managing the cash settlement rate. Screening system.
The method of claim 1,
In the payment monitoring system, the purchaser pays the purchase price and notifies the purchaser's internal department, the original business owner, and the beneficiary company by letter or SMS. SMS is automatically sent by linking the information of the original business operator and the beneficiary company registered in the information DB, and when the client prepares and registers an official document, it transmits the full text to the original business terminal and the beneficiary company terminal, and delivers the information provided by the supplier. It includes a function that can automatically compare receipt receipts and withdrawals from the financial institution server as evidence of timely payments, and a form output function for the client's internal management to report to the relevant departments and external organizations. Payment monitoring and delivery platform using bill replacement means Cash payment proper screening system.
The method of claim 1,
In the development of a communication program to receive a DB and communication security from the authorized institution for professional communication between the payment monitoring system, the cash settlement appropriate screening system, the client server, the original operator terminal, the beneficiary terminal terminal, the financial institution server It can be used as a double encryption, HTTP method, VPN method, or leased line method through encryption method using authorized security program and public certificate encryption method. Payment payment monitoring and payment cash payment proper screening system using payment methods.
The method of claim 1,
The cash settlement appropriate screening system compares the time when the beneficiary company claimed the delivery price to the original business owner (the date of tax invoice) and the time paid by the original business owner for cash payment and the time to repay it. It automatically checks whether the payment time difference is calculated and automatically sums and manages the cash payment results so that the original business owner can comply with the relevant standards so that the contracts placed by the client can be executed smoothly and the fair and transparent payments are made. Payment payment monitoring and payment cash settlement appropriate screening system using the bill settlement means characterized in that it includes a function to enable the settlement of).
The method of claim 1,
The system for appropriating cash settlement is to systematically evaluate the execution of payment through the system, and to evaluate whether the original business is a qualified company. The ratio is compared with the original business owner's orders for sales or orderers.The amount of payments paid by annual cash settlement is calculated and compared to sales, or the annual orders and cash payments for a specific orderer are paid. By comparing the amounts, the ratio is calculated and evaluated, or a combination of the above two calculations is used. The cash settlement rate of the order amount of a particular order is compared with the average ratio of the purchase amount to the sales amount over the last three years, and the difference is analyzed and evaluated. The evaluated values are applied to the standard indicators and reviewed. Source provider of qualified supplier evaluation component to reflect a tryout extra points by reflection and take advantage of the draft alternative payment method which is characterized in that it comprises the ability to be able to provide the same incentive payment monitoring and delivery charges cash payment proper screening system.
The method of claim 10,
In the cash settlement proper screening system, the sales amount is applied to the amounts stated in the settlement documents such as the audit report and tax adjustment statement reported to the Financial Supervisory Service or the National Tax Service, and the order (order) results are applied to the contract or order amount certified by the client. The average ratio of each purchase amount by industry is calculated by applying the ratio of material ratio sales by standard industrial code classification from the main management analysis index published by the Bank of Korea to verify fairness and calculate the standard index to be applied. The bill settlement method comprising calculating and evaluating the section to be applied by the client according to the ratio value of the client and assigning an additional point to the bidding and contract qualification score for the original business operator according to the indicator of the evaluation. The payment payment monitoring and the proper payment system for payment of cash on delivery.
12. The method of claim 11,
The appropriate settlement system for cash settlement is based on the adequacy evaluation technique according to the above standard indicators and evidence of performance calculations, notification of the results of internal departments and original business owners, DB construction and contents inquiry functions for reflecting bidding and contract conclusion processes, and results. A bill replacement means, which includes methods and functions for managing the validity of the standard indicators, such as convenience functions such as content output, and the calculation of new annual indicators by applying annual changes in the indexes applied to the standard indicators. The payment payment monitoring and the proper payment system for payment of cash on delivery.

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