KR101364109B1 - System for escrow special money intrust service and methdo for providing web environment thereof - Google Patents

Abstract

The mutual agreement between the debtor, the creditor, and the preferred beneficiary, provides an escrow-specific money trust system that manages the collateral received from the trustee as a depositary of assets, such as notes issued by the trustee, or as a time deposit in the name of the trustee as an escrow agent. . The escrow specific money trust system is a trust management server that manages escrow specific money trusts, in conjunction with the trust management server provides information related to the operation of the escrow specific money trusts through a web page, the consignor and preferred beneficiary- The preferred beneficiary is a consignor and the trustee is designated as the preferred beneficiary of an escrow specific money trust by the consignor. By opening an account for operating the escrow specific money trust, and the account system server for processing the transfer between the opened account.

Description

SYSTEM FOR ESCROW SPECIAL MONEY INTRUST SERVICE AND METHDO FOR PROVIDING WEB ENVIRONMENT THEREOF

The present invention relates to an escrow specific money trust system and a web environment providing method.

A secured trust is a type of trust.If a consignor, who is the debtor for the purpose of security, trusts the money or property with the creditor as the preferred beneficiary, and the debtor fails to pay the debt, the trustee will exchange the security object and pay the creditor as the creditor. Trust of the method of returning to the beneficiary. Conventionally, it is mainly applied practically in real estate trusts.

The advance payment joint management system, an example of a collateral trust, requires the construction company to receive advance payments from the client under the guarantee of the credit union. It is a joint management system until this time.

At this time, according to the credit rating of the construction company, the amount of the prepayment received as a collateral is equal to or more than a certain percentage of the contract amount, and is differentially paid according to the established notice. Here, the ready-made high indicates the required funds by calculating the process according to the progress of the construction, and the ready-made high rate indicates the ratio of the completed portion up to now, that is, the construction progress.

Therefore, in the related art, a mutual member, that is, a construction company and a mutual association, receives an advance payment through a common bank account, and at this time, a regular deposit bank account in the name of a construction company is opened. The deduction association then establishes pledges for the periodic deposits, receives a fixed date, and receives the periodic deposits as collateral.

At this time, the loss of profit due to the occurrence of a warranty accident, bankruptcy, bankruptcy, etc., allow the expiry of the security right to the time deposit. Here, the loss of the term profit is to recover the loan before the loan expires by the financial institution.

After that, when a construction company wants to withdraw some of the deposits, it can be withdrawn after the approval of the deduction association, and after the withdrawal, it is necessary to carry out the pledge process on the remaining amount. It will be done by visiting. In addition, this procedure is repeated every time some withdrawal is made.

As described above, according to the conventional advance payment joint management system, since the withdrawal is repeated in the middle, it is inevitable that the multiple termination of the periodic deposit is inevitable, and thus, the yield is low for the construction company due to the low deposit income.

In addition, since all procedures, such as pledgement, date of confirmation, and termination, must be handled by the financial institution, documents are complicated and cumbersome.

In addition, there is a disadvantage that the processing time for this even when the reason for the execution of the security right in case of member bankruptcy, warranty accident occurs.

In addition, for the management of advance payment joint management fund related to the guarantee among the advance payments received from the client between the company (members) and the deduction association when the transaction for advance payment guarantee is made, the deduction association is for receiving the advance payment (collateral deposit) opened under the company name. In order to prevent the company from using the advance payment deposited in the deposit account arbitrarily, a joint seal is registered in the deposit account, and when the advance payment is deposited into the deposit account from the client, the person in charge of the company (member) and the branch manager visit the relevant bank counter. After the withdrawal of the advance payments, the advance management of the advance payments related to the advance guarantees is made to be jointly managed in the accounts related to the mutually agreed advance payments. Registered a joint seal on There are also some companies (members) are also presented as struggling the actual fund management problems have become unfair practices by arbitrarily withdrawing into account lost or reported lost seal in the report, including its bank account occurred.

Therefore, the technical problem to be achieved by the present invention is to manage the collateral as a specific money trust financial products, escrow specific money trust system to enable one-stop processing of the request and approval of partial security, and the first beneficiary exercise procedure online And it provides a web environment providing method.

In addition, another technical problem to be achieved by the present invention is to ensure a fair advance payment guarantee transaction through the prevention of the use of funds due to fraud withdrawal of advance payments of construction companies in relation to the receipt of advance payments, and the management of the same advance payment receipt and advance payment joint management fund For this purpose, it is to provide an escrow-specific money trust system and a web environment providing method that can solve the inconvenience of the transaction caused by the visit of the actual bank window between the parties (ie, the company (member) and the mutual).

According to one aspect of the invention, an escrow specific money trust system is disclosed. This escrow specific money trust system is based on the mutual agreement between the consignor as the debtor and the preferred beneficiary as the creditor. Trust management server to manage; Provides information related to the operation of the escrow specific money trust in conjunction with the trust management server through a web page, wherein the consignor and preferred beneficiary-the preferred beneficiary is the consignor is the debtor, the escrow specific money trust by the consignor Designated as the preferred beneficiary of-a web server for delivering the information input through the web page to the trust management server; And an accounting server which opens an account for operating the escrow specific money trust in association with the trust operation server and processes the transfer between the opened accounts.

Here, the trust management server,

A trust subscription processing unit which provides escrow specific money trust information subscribed to by the entrustor to the web server and requests and receives a preferred beneficiary consent for subscribing to an escrow specific money trust when the security money is deposited; And a management unit which, when the preferred beneficiary consent is received, operates the collateral as a periodic deposit in the name of a financial product or an escrow agent instructed by the consignor.

The web server provides a subscription status of an escrow specific money trust based on the information received from the trust subscription processing unit, provides a web page for requesting consent of the preferred beneficiary, and enters the preferred beneficiary agreement through the web page. When the information entered may be transferred to the trust subscription processing unit.

In addition, the trust subscription processing unit, through the web server guides the escrow specific money trust products, receives the subscription information entered by the consignor to generate the asset management information by the consignor's consent to the asset management information and Registration of the subscription certificate may be performed to perform the subscription processing of the Escrow specific money trust.

The operation unit may divide and manage the collateral into a plurality of periodic deposits according to an operation instruction of the entrustor according to an agreement between the entrustor, the debtor, and the preferred beneficiary, the creditor.

At this time, the account server, the account management unit for opening the escrow connection account and escrow specific money trust account in the name of the consignor, and notifies the trust management server when the security deposit is deposited in the joint management account; And withdrawing the collateral from the joint management account at the request of the trust management server and depositing the collateral in the escrow-linking account, and withdrawing the collateral from the escrow-linking account and depositing the collateral in the escrow-specific funds trust account. It may include a variant.

In addition, the web server provides a web page for requesting and approving partial termination of the escrow specific money trust, and transfers the information received through the web page to the trust management server,

The trust management server may receive the preferential beneficiary's approval for the partial revocation request generated by the consignor from the web server or the partial revocation approval generated by the preferential beneficiary—the partial revocation approval may not be preceded by the partial revocation request of the entrustor. Received by the preferred beneficiary, if it is received by the escrow, the amount of the requested cancellation of some of the mortgages subscribed to the specific money trust, and calculates the trust profit to be processed to be paid to the consignor with the partial security of the cancellation The trust management unit may further include.

In addition, the trust management unit, if a request for approval or some termination occurs, the subcontractor's advance payment target list provided by the consignor compares with the subcontractor's advance payment target list provided by the preferred beneficiary, and the list matches In this case, advance payment may be made.

In addition, the account management server, the account management unit for opening an escrow connection account and escrow specific money trust account in the name of the consignor-the escrow specific money trust account is linked to the account of the financial products subscribed to the consignor operation- ; And with the trust profit received from the trust management server by canceling the partial security from the time deposit account to which the requested partial security is subscribed among the time deposit accounts linked to the escrow specific money trust account at the request of the trust management server. It may include a transfer unit that processes the deposit to the account for escrow connection.

In addition, the web server provides a web page for requesting the creditor's preferential beneficiary exercise for the escrow specific money trust, and delivers the information received through the web page to the trust management server,

When the trust management server receives a request to exercise a priority beneficiary right generated by a creditor from the web server, the trust management server terminates the escrow specific money trust, calculates a trust profit, and processes it to be paid to the preferred beneficiary along with the canceled collateral. The trust management unit may further include.

In addition, the account server, the preferred beneficiary account and escrow specific money trust account in the name of the preferred beneficiary-the escrow specific money trust account is an account of a financial instrument for trust management or a plurality of periodic deposits according to the operation instructions of the consignor An account management unit for establishing an account; And a transfer unit which, upon request of the trust management server, cancels all or part of collateral from all accounts connected with the escrow specific money trust account and deposits the combined account with the trust profit received from the trust management server. have.

In addition, the web server provides a web page that the debtor for the escrow specific money trust can apply for extension of the period and a web page for the consent of the creditor's period extension application, and input through the web page Transfer the received information to the trust management server,

When the trust management server receives a request for extension of the period generated by the debtor from the web server, the creditor confirms the agreement of the creditor, and if the agreement is confirmed, the escrow specific money trust according to the expiration at the time when the contract period expires. It may further include a trust management unit for processing the termination, and automatic subscription processing of the escrow specific money trust with the time limit applied for extension.

The web server may further include a login unit configured to perform login authentication of a subscriber connected to the web server; A determination unit determining whether the connected subscriber is a consignor or a preferred beneficiary if the login authentication is successful; A consignor screen control unit for providing a web page for requesting termination of the escrow specific money trust trust status, whether the beneficiary consents to the escrow-specific money trust trust, and the escrow specific money trust if the consignor is determined; And if it is determined that the preferred beneficiary is a beneficiary, the consignee may provide a plurality of escrow-specific money trust subscription statuses, and may consent to the preferred beneficiary, approve the request for the termination of the escrow-specific money trust, and exercise the preferred beneficiary rights. It may include a combination screen control unit for providing a web page.

In addition, the account server,

And an account management unit that opens an escrow-specific money trust account in which the beneficiary is a member and the beneficiary is a combination, and notifies the trust management server when a security deposit is deposited in the escrow-specific money trust account;

The operation unit,

Only the prepayment joint management fund of the collateral shall be operated as the escrow specific funds trust fund, and the remaining amount of the collateral shall be available for withdrawal by the beneficiary.

According to another aspect of the present invention, a method for providing a web environment is disclosed. This method is a method for providing a web environment for escrow-specific money trusts that manages trust assets of a trustee under the name of an escrow agent, with collaterals agreed between the beneficiary as a creditor and a preferred beneficiary. A web server performing login authentication of an accessor; The consignor and the preferred beneficiary who succeeded in the login authentication, wherein the preferred beneficiary is the entrustor and the preferred beneficiary of the escrow specific money trust. Outputting a web page composed of information for operating the web server; And transmitting information input by the entrustor and the preferred beneficiary to the trust management server operating the escrow specific money trust through the web page.

At this time, the outputting step,

Providing a web page for the subscription status and consent of the preferred beneficiary for each escrow specific money trust, approval of some terminations, and exercise of the preferred beneficiary rights when the accessor who succeeded in the login authentication is the preferred beneficiary; If a preferred beneficiary agreement item displayed on the web page is selected, switching to a new agreement screen for preferential beneficiary agreement for a corresponding escrow specific money trust; If the approval item for the partial cancellation output on the web page is selected, switching to the approval screen for partial termination approval for the corresponding escrow specific money trust; And when the priority beneficiary exercise item outputted on the web page is selected, switching to a screen for exercising the preferential beneficiary right for the corresponding escrow specific money trust;

In the transferring to the trust management server, information received through the new consent screen, the approval screen, and the screen for the exercise of priority benefit may be delivered to the trust management server.

In addition, the step of providing a web page of the output step,

Provide a web page for consent of the beneficiaries, approval of some terminations, consent to the exercise of preferential beneficiaries, and application for extension of time;

The outputting step may further include switching to a screen for agreeing to the extension request for the corresponding escrow specific money trust when the agreement item for the extension request for the output on the web page is selected.

In addition, the outputting step,

If the accessor who succeeds in the login authentication is the entrustor, checking the subscription status and whether the preferred beneficiary agrees with each escrow specific money trust or providing a web page for requesting partial termination; And when the partial cancellation request is selected, switching to a cancellation transaction screen.

In the transferring to the trust management server, the information received through the termination transaction screen may be delivered to the trust management server.

In addition, the step of providing a web page of the output step,

Provide web pages for confirmation of preferred beneficiary consent, partial termination requests, and application for extension,

The outputting may further include switching to a period extension request screen when the period extension request is selected.

In addition, the outputting step,

Prior to providing the web page for the partial termination request, the method may further include providing a guide of the escrow specific money trust product and a web page for subscribing to the escrow specific money trust.

The performing of the login authentication may determine whether the entrustor and the preferred beneficiary are internet banking subscribers of a financial institution.

In addition, the performing of the login authentication may determine whether the entrustor and the preferred beneficiary are subscribers of a dedicated web site for the escrow specific money trust.

According to another feature of the invention, an escrow specific money trust system is disclosed. The escrow-specific money trust system manages escrow-specific money trusts, which are managed by subscribing advance payments made by the consignor in accordance with the mutual agreement between the consignor as the debtor and the preferred beneficiary as the escrow agent. A trust management server; The Internet provides information related to the operation of the escrow specific money trust in conjunction with the trust management server through a web page of the Internet banking service, and delivers the information entered by the entrustor through the web page to the trust management server. Banking server; In conjunction with the trust management server, provides information related to the operation of the escrow specific money trust through the web page of the preferred beneficiary's Enterprise Resource Planning (ERP) system, and the information entered by the preferred beneficiary through the web page. An advance payment dedicated server for delivering to the trust operation server; And an accounting server which opens an account for operating the escrow specific money trust in association with the trust operation server and processes the transfer between the opened accounts.

In addition, the trust management server,

Providing the escrow specific money trust information subscribed to by the consignor to the internet banking server, and when the advance payment is received, requesting the beneficiary consent to the advance payment dedicated server for subscribing to the escrow specific money trust, and preferentially from the advance payment server. A trust subscription processing unit which receives the beneficiary basic information and performs escrow specific money trust subscription processing; And a management unit for managing the advance payment as a deposit in the name of a financial product or an escrow agent instructed by a consignor when the preferred beneficiary consent is received,

The Internet banking server, based on the information received from the trust subscription processing unit provides a subscription status of the escrow specific money trust,

The advance payment dedicated server provides a subscription status of an escrow specific money trust based on the information received from the trust subscription processing unit, and provides a web page for requesting the beneficiary consent to the ERP system through the web page. First, if beneficiary consent is input, the entered information may be transferred to the trust subscription processing unit.

In addition, the Internet banking server,

Providing a web page for requesting the termination of the consignor for the escrow specific money trust, and transfers the information received through the web page to the trust management server,

The advance payment dedicated server,

Approval of partial termination of consignor's request for escrow specific money trust received from internet banking server or partial termination approval by preferred beneficiary-The partial termination approval is generated by preferred beneficiary without incurring partial termination request of consignor -Provide a web page for delivering information input through the web page to the trust management server,

The trust operation server,

Upon receipt of a preferential beneficiary's approval for some termination requests incurred by the consignor or a partial termination approval issued by the preferred beneficiary, wherein the partial termination approval is generated by the preferred beneficiary without incurring some termination requests from the consignor. In addition, the escrow may further include a trust management unit for processing the cancellation amount of the requested amount of the security of the subsidies subscribed to the specific money trust, and calculates the trust interest to be paid to the consignor with the canceled partial security.

In addition, the trust management unit,

If some termination requests or some termination approvals occur, the subcontractor's down payment target list provided by the consignor and the subcontractor's down payment target list provided by the preferred beneficiary are matched, and if the list is identical, the down payment is paid. can do.

In addition, the advance payment dedicated server,

Providing a web page for requesting the preferential beneficiary exercise of the preferred beneficiary for the escrow specific money trust, and transfers the information received through the web page to the trust management server,

The trust operation server,

Upon receipt of a priority beneficiary exercise request generated by the preferred beneficiary from the advance payment server, the trust management unit further cancels the escrow specific money trust, calculates trust profit, and processes the payment to be paid to the preferred beneficiary along with the canceled collateral. It may include.

In addition, the Internet banking server,

Providing a web page that the consignor for the escrow specific money trust can apply for an extension of the period, delivers the information received through the web page to the advance payment dedicated server,

The advance payment dedicated server,

Providing a web page for performing the consent of the preferential beneficiary's request for extension of the escrow specific money trust, and delivers the information received through the web page to the trust management server,

The trust operation server,

Upon receipt of the request for extension of the period generated by the consignor from the Internet banking server, confirming the consent of the preferred beneficiary, and if the agreement is confirmed, terminates the escrow specific money trust according to the expiration at the time when the agreement expires. In addition, it may further include a trust management unit for automatic subscription processing of escrow specific money trusts by the time period for which the application is extended.

According to an embodiment of the present invention, all processes of escrow specific money trust new subscription, creditor's exercise of preferential beneficiary, etc. may be processed on the Internet to improve the convenience of the consignor and the preferred beneficiary.

In addition, it is possible to immediately perform the sharing of collateral related information of the consignor and the exercise of preferential beneficiary rights on the Internet, thereby improving management convenience.

In addition, by operating the mortgage subscription to escrow-specific money trusts or operating it as a regular deposit on operating assets, such as drafts, according to the consignor's management instructions, the trustee's profitability can be increased by paying the normal trust profit to the beneficiary's irregular part request. have.

In addition, the deposit bank account for receiving the advance payment, which is made to prevent the usefulness of the funds through the joint seal between the company (members) and the mutual benefit association, is difficult to control in the city where the enterprise withdraws arbitrarily. In addition to escrow-specific money trusts made for the purpose, it is not necessary to carry out the business procedure of withdrawal from the separate window by using it as an account for receiving advance payments. Can be prevented in advance.

1 is a conceptual diagram schematically illustrating a collateral management procedure to which an embodiment of the present invention is applied.
2 is a block diagram showing the configuration of an escrow specific money trust system according to an embodiment of the present invention.
3 is a block diagram showing the configuration of an accounting server according to an embodiment of the present invention.
4 is a block diagram showing the configuration of a trust management server according to an embodiment of the present invention.
5 is a block diagram showing the configuration of a web server according to an embodiment of the present invention.
6 is a flowchart illustrating a method for subscribing to a specific money trust according to an embodiment of the present invention.
7 is a flowchart illustrating a method of canceling a part of a specific money trust according to an embodiment of the present invention.
8 is a flowchart illustrating a method of exercising a specific money trust priority beneficiary right according to an embodiment of the present invention.
9 is a flowchart illustrating a web screen control method for a specific money trust service according to an embodiment of the present invention.
10 is a block diagram of an escrow specific money trust system according to another embodiment of the present invention.
11 is a configuration diagram of a web server according to another embodiment of the present invention.
12 is a flowchart illustrating a method of providing an escrow specific money trust service according to another embodiment of the present invention.
Figure 13 is a flow chart showing an embodiment of the advance payment providing process according to another embodiment of the present invention.
14 is an exemplary view of a preferred beneficiary screen according to an embodiment of the present invention.
15 is an exemplary view of a consignor screen according to an embodiment of the present invention.
16 is another exemplary diagram of a consignor screen according to an embodiment of the present invention.
17 is a diagram illustrating a screen of a preferred beneficiary to which a period extension item is added according to an embodiment of the present invention.
18 is an exemplary view of a screen of a consignor to which a period extension item is added according to an embodiment of the present invention.
19 and 20 are new sign-up screen of the entrustor according to another embodiment of the present invention.
21 is a screen of the entrustor's subscription status inquiry and part cancellation request according to another embodiment of the present invention.
22 is a schematic diagram of an escrow specific money trust system according to another embodiment of the present invention.
23 is a flowchart illustrating a method for subscribing to a specific money trust according to another embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

In the following description, a consignor (or beneficiary, debtor) (collectively referred to as "consignor") means that the debtor designates the creditor as the preferred beneficiary and secures the money to the trustee for the purpose of securing the contracted debt obligation between the creditor and the debtor. Refers to those who are transferring and establishing a trust.

In addition, a trustee means a person who receives money from a consignor for the purpose of collateral and manages or disposes of the property according to the consent and request of the consignor and the preferred beneficiary.

Preferred beneficiaries (or creditors) are those who are able to withdraw profits preferentially withdrawal by transferring money to the trustee in order to secure the bonds from the consignor in the debtor relationship with the consignee.

Hereinafter, an escrow specific money trust service providing system and a web environment providing method according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram schematically illustrating a security management procedure to which an embodiment of the present invention is applied, and describes an advance payment joint management system as an embodiment.

Referring to Figure 1 describes the prepayment joint management procedure as follows.

First, the contractor, the debtor, that is, the company, enters into a construction contract with the client with whom the transaction is made (1).

At this time, if the priority payment is made in advance with respect to the contract from the client, the orderer is issued by requesting a security guarantee for advance payment from a combination of a third party (creditor), that is, a preferred beneficiary (2). Here, the advance payment means the amount previously paid by the client to the entrustor. The client then pays the down payment to the company (3).

Next, the company newly joins a specific money trust provided by a financial institution (4). Then, the financial institution completes the processing of subscription to the specific money trust by obtaining the consent of the creditor designated by the consignor as the security beneficiary as the preferred beneficiary of the specific money trust in accordance with the specific money trust subscription rule (5).

Subsequently, if the financial institution requests a partial or full termination of the collateral between the consignor and the preferred beneficiary in accordance with the prior agreement (6), the financial institution obtains an agreement for partial termination from the preferred beneficiary, the creditor (7), and provides the consignor with a portion of the collateral including the trust interest. (8).

On the other hand, when a creditor who is a preferred beneficiary requests to exercise preferential beneficiary rights due to the loss of timely profits, the financial institution pays the preferred beneficiary a security including the trust profit up to the amount of the withdrawal request of the preferred beneficiary (9).

Here, the processes of 3 to 9 are all processed online, and the collateral is subscribed to a specific money trust.

At this time, the special money intrust refers to a trust in which a financial institution allocates the operating profit after operating the funds deposited from the customer in accordance with the conditions specified by the customer. In addition, Escrow is a trading protection service that relays to third parties to facilitate commerce when the credit relationship between buyer and seller is uncertain.

The configuration of a system for providing an escrow specific money trust service for such collateral management will be described for each embodiment.

≪ Example 1 >

Figure 2 is a block diagram showing the configuration of an escrow specific money trust system according to an embodiment of the present invention.

Referring to FIG. 2, the escrow specific money trust system 1 includes an account system server 100, a trust operation server 200, and a web server 300.

Here, the account server 100, the trust management server 200 and the web server 300 may be mounted as a separate server or as a separate function in one financial system.

On the other hand, the account server 100, the trust management server 200 and the web server 300 may be connected to each other by connecting to the internal computer network of the financial institution.

The account system server 100 is a server that manages account information of individuals, corporations, and other customers, and is in charge of overall financial affairs such as deposit, withdrawal, account transfer, giro, opening of a new bankbook, and closing a bankbook.

In this case, the account system server 100 opens an escrow connection account, an escrow specific money trust account and a preferred beneficiary name in the name of the consignor for the security transaction, and processes the account transfer according to the request of the trust operation server 200. .

The trust management server 200 is a server that is in charge of online processing for new subscription and fund management, preferential beneficiary agreement, partial termination and preferential beneficiary exercise for escrow.

Web server 300 is a server that provides a web service for the online processing of the trust management server 200 in conjunction with the trust management server 200. The web server 300 is linked with the trust management server 200, the current status of the subscription of the escrow specific money trust, preferential beneficiary consent for escrow specific money trust trust, the termination of the collateral and a web page that can be exercised preferential beneficiary rights It provides, and delivers the information received through the web page to the trust management server (200).

In this case, the web server 300 may be an internet banking server of a financial institution or a server operating a dedicated web site. In addition, it can be linked to the ERP (Enterprise Resource Planning) system of the preferred beneficiary or consignor.

Detailed configuration of each of the accounting server 100, the trust management server 200 and the web server 300 is as shown in Figs.

3 is a block diagram showing the configuration of an accounting server according to an embodiment of the present invention.

Referring to FIG. 3, the accounting server 100 includes an account manager 110, an account DB 130, and a transfer unit 150.

The account management unit 110 is configured to open a new account and terminate the account. The account management unit 110 opens an escrow connection account, a specific money trust account, an escrow periodic deposit account, and a combination account to the account DB 130. Store and manage

In this case, the account management unit 110 opens an account in connection with a window terminal (not shown) installed in a branch office for an account that can only be opened. In addition, for an account that can be established online, an account is opened in conjunction with an internet banking server (not shown).

Here, looking at each account opened by the account management unit 110, the account for escrow connection is an account that can be withdrawn or withdrawn by the consignor alone. Internet banking is an account that is opened for this reason because the closing account requires a linked account (or real-name account) under ordinary deposit (or non-required deposit).

In addition, the specific money trust account is a specific money trust account that the consignor subscribes to, and is linked to an escrow-linking account. In addition, such a specific money trust account may be operated in the form of operating assets, such as notes issued or a plurality of periodic deposits, in accordance with the management instructions of the consignor.

In addition, the escrow time deposit account is a plurality of time deposit accounts linked to a specific money trust account, the account holder becomes an escrow agent, that is, a trustee, Hana Bank.

In addition, the preferred beneficiary account is an account in the name of the preferred beneficiary, and is an account for receiving a prepayment and a trust benefit when exercising the priority beneficiary right.

Meanwhile, the transfer unit 150 processes the transfer of funds between the accounts stored in the account DB 130 at the request of the trust management server 200.

4 is a block diagram showing the configuration of a trust management server according to an embodiment of the present invention.

Referring to FIG. 4, the trust management server 200 includes a trust subscription processing unit 210, a trust subscription DB 230, a trust management unit 250, and an operation unit 270.

The trust subscription processing unit 210 performs a new subscription process for escrow specific money trust, for example, a new subscription and money operation for escrow specific money trust, consent processing for the operation of collateral is performed online in conjunction with the web server 300. That is, the web server 300 provides a new subscription status of escrow specific money trust, and requests the consent of the preferred beneficiary for the escrow specific money trust.

In this case, the trust subscription processing unit 210 may guide the escrow specific money trust product through the web server 300, and analyze the investment tendency of the customer and provide a result. At this time, when the consignor selects to subscribe to the escrow specific money trust product, the consignor receives the subscription information and generates the asset management information.

Here, the management asset indication information includes a new subscription product information confirmation, a contract, a product description, and an additional agreement. If the consignor agrees to the operation asset indication information and registers the subscription certificate, the subscription processing for the escrow specific money trust product is completed.

At this time, the escrow connection account provided by the consignor when the subscription information is entered is registered as a linked account of the escrow specific money trust account.

The trust subscription DB 230 stores information about the escrow subscriber and the preferred beneficiary. That is, the trust subscription DB 230 stores the subscription information of the escrow specific money trust subscriber, that is, the entrustor, and the information of the creditor (including the head office and the branch) designated by the consignor as the first beneficiary.

At this time, the consignor and the preferred beneficiary are subscribed to financial services for corporate customers, and such financial services subscription information may be stored together.

In addition, the account information associated with the escrow specific money trust, that is, the account for escrow connection and registration information of the preferred beneficiary account. Here, the registration information includes the account number of each account.

The trust management unit 250 is responsible for the online processing of the partial termination and preferential beneficiary exercise for the collaterals of the escrow specific money trust. In detail, the trust management unit 250 may include some termination module 251, a preferred profit withdrawal module 253, and a period extension module 255.

Here, some termination module 251 provides a web environment for the application and approval of some termination of the escrow specific money trust through the web server 300, and receives the application and approval request and performs the processing accordingly.

In addition, the priority right withdrawal module 253 provides a web environment for exercising the priority benefit right of the escrow specific money trust through the web server 300, receives the application and performs the processing accordingly.

In addition, the period extension module 255 provides a web environment that can apply for the extension of the period of escrow specific money trust through the web server 300, and receives the application and performs the processing accordingly.

For example, if a building is contracted for three years but is expected to be extended to five years, at any time prior to the three-year term, if the consignor applies for the extension on the web, the three-year term is due. Two years are automatically extended.

At this time, if the request period extension of the entrustor is made on the web, the period extension module 255 first requests the beneficiary's period extension agreement on the web. If the beneficiary agrees first, and the three-year contract expires, the operation unit 270 terminates the three-year term deposit in accordance with the expiration, and then operates the two-year term deposit. Process.

The operation unit 270 operates in an escrow specific money trust, and manages the collateral with the consent of the preferred beneficiary as a financial product under the name of the escrow agent. For example, it may be operated by periodic deposit or by notes issued by the consignor.

At this time, the collateral to be subscribed to the specific money trust can be divided into a plurality of periodic deposits according to the prior agreement between the consignor and the preferred beneficiary. At this time, the number of divisions may occur in various ways according to the prior agreement. For example, it can be divided into 30%, 20%, 25%, and 25% of the collateral according to the established high rate, so that each deposit interest can be operated as a fixed deposit. Alternatively, the consignor and the beneficiary may operate as a periodic deposit divided by a certain rate (eg 1% unit) according to mutual agreement. For example, if 3 billion have been entrusted, it can be operated with 100 time deposits, etc., in units of 30 million won.

5 is a block diagram showing the configuration of a web server according to an embodiment of the present invention.

Referring to FIG. 5, the web server 300 includes a login information DB 310, a login unit 330, a determination unit 350, a consignor screen control unit 370, and a preferred beneficiary screen control unit 390.

Here, the login information DB 310 stores the registration information of the escrow specific money trust business associates (ie, the preferred beneficiary (including the head office and the branch office) and the consignor.) The registration information may be Internet banking subscriber information. Membership information of the trust-only web site.

The login unit 330 performs a login process for the web server 300 accessor in association with the login information DB 310. For example, it checks whether a subscriber is registered in a dedicated web site for internet banking or escrow specific money trust using an ID and password, an official certificate or an I-PIN, and if the subscriber is a registered subscriber, performs login processing to allow access.

The determination unit 350 determines whether the accessor whose login authentication is completed in the login unit 330 is a consignor or a priority beneficiary.

In this case, whether the entrustor is a subscriber or a preferred beneficiary may be registered together with the subscriber in the login information DB 310. Alternatively, the determination unit 350 may check and verify the trust subscription DB 230.

The entrustor screen control unit 370 and the preferred beneficiary screen control unit 390 operate in conjunction with the trust subscription processing unit 210 of FIG. 4 and the trust management unit 250 of FIG. 4 according to the determination result of the determination unit 350. Do this.

That is, if the consignor screen control unit 370 determines that the access subscriber is a corporate (consignor) subscriber, the consignor screen control unit 370 configures a screen (or a web page) displaying the status of the escrow specific money trust, the partial termination application, and the application status that the corporate (consignor) subscribed to. to provide.

In addition, in conjunction with the trust subscription processing unit (210 of FIG. 4) provides a guide information for the new subscription of the escrow specific money trust, and a web page for processing new subscriptions online (eg, subscription application, registration information registration, etc.) To provide.

In addition, the preferred beneficiary screen control unit 390, if the access subscriber is determined to be the preferred beneficiary subscriber, the screen of the participation of the escrow specific money trust trust designated by the preferred beneficiary, the status of some termination approval and the priority beneficiary right (or the web page) ) To provide.

In this case, the preferred beneficiary may be made up of the head office and the branch office. The head office may provide the financial institution with information related to the security. The preferred beneficiary is each branch of the preferred beneficiary.

Accordingly, the preferred beneficiary screen control unit 390 provides the status of all escrow specific money trust subscriptions when the accessing subscriber is the preferred beneficiary headquarters, and when the accessing subscriber is the priority branch, the corresponding branch designated escrow specific money trust. Provide subscription status. In this case, when the access subscriber is the preferred beneficiary, the determination unit 350 may determine whether the preferred beneficiary is the head office or the branch office once more.

In addition, the consignor screen control unit 370 and the preferred beneficiary screen control unit 390 may provide a specific money trust contract, an additional agreement, a product description, etc. for each account, and may be implemented to be output to a server or a terminal of the preferred beneficiary or the consignor. .

Next, a process of providing the escrow specific money trust service by connecting the components described with reference to FIGS. 2 to 4 will be described. In this case, the same reference numerals as those of FIGS. 2 to 4 are used in the operations of the components described with reference to FIGS. 2 to 4.

First, Figure 6 is a flow chart illustrating a specific money trust subscription method according to an embodiment of the present invention.

Referring to FIG. 6, the account accounting server (account manager 110) 100 opens an account for receiving a corporate security deposit, a preferred beneficiary account, and a consignor escrow connection account (S101, S103, S105). In this case, opening an account means opening an account information according to the procedure if an account is made at an offline window.

On the other hand, the trust management server (trust subscription processing unit 210) 200 performs the Escrow specific money trust subscription (S107). Here, when the branch employee receives the escrow specific money trust subscription application and the necessary documents at the window and registers with the trust operation server (trust subscription processing unit 210) 200, the subsequent processing can be performed. Alternatively, the application for membership in an escrow specific money trust, the designation of a preferred beneficiary of a company (consignee), and all the sign-up procedures for receiving the documents required for sign-up can be done online, for example, via an Internet banking site.

Subsequently, the trust management server (trust subscription processing unit 210) (200) opens an account to the account server (account management unit 110) 100, escrow specific money trust (hereinafter referred to as 'specific money trust') account opening Request (S109). Then, the account accounting server (account management unit 110) 100 opens the requested specific money trust account (S111).

In addition, the trust operation server (trust subscription processing unit 210) (200) performs the designated beneficiary designation and connection account registration designated by the consignor (S113). That is, first, information about a creditor designated as a beneficiary is registered, and an account to be linked with a specific money trust account is registered. In this case, the registered account includes an escrow connection account and a preferred beneficiary linked account.

Here, in step S113, the company registers the escrow connection account provided in step S107 as a connection account of the specific money trust account is performed. In addition, the preferred beneficiary registers through the window in step S107 or designates the preferred beneficiary on-line such as Internet banking.

The trust operation server (trust subscription processing unit 210) 200 sends the specific money trust information according to steps S107 and S113 to the web server (trustee screen control unit 370, preferred beneficiary screen control unit 390) 300. It transmits (S115).

Then, the web server (trustee screen control unit 370, preferred beneficiary screen control unit 390) 300 configures and provides a specific money trust subscription status as a screen (or web page) (S117).

Next, when the account deposit server (account management unit 110) 100 deposits the security deposit into the account for the receipt of the corporate security (S119), it notifies the trust operation server 200 of the security deposit confirmation (S121).

Next, the trust operation server (trust subscription processing unit 210) 200 requests the first beneficiary consent to the web server (trustee screen control unit 370, preferred beneficiary screen control unit 390) 300 (S123).

Next, the web server (consignee screen control unit 390) 300 constructs and provides a screen (or web page) for requesting priority beneficiary consent to the preferred beneficiary (S125).

Thereafter, the trust operation server (trust subscription processing unit 210) 200 determines whether a creditor's priority beneficiary consent is received through the web server (combination screen control unit 390) 300 (S127).

At this time, when the preferred beneficiary consent is received, the trust management server (operation unit 270) 200 manages the collateral deposited in the account for receiving the corporate collateral as an issued bill or divides it into a plurality of notes according to the consignor's operation instructions. The escrow agent (consignee) subscribes and manages each depository commodity that is an account holder (S129).

Meanwhile, although steps S115 and S123 of FIG. 6 have been described as being transmitted by the trust operation server 300 to the web server 200, it is preferable that the request is made according to a request of a subscriber (trustee or preferred beneficiary) of the web server. Do.

In addition, Figure 7 is a flow chart illustrating a method of canceling a portion of a particular money trust according to an embodiment of the present invention.

Referring to FIG. 7, the web server (consignor screen control unit 370, preferred beneficiary screen control unit 390) 300 interoperates with the trust operation server (some termination module 251) and requests for partial termination of the specific money trust. Provides a web environment for (S201).

Thus, the consignor can apply for termination of a specific money trust online. In addition, the preferred beneficiary may process the consent for some termination requests requested by the consignor online.

When the web server (consignee screen control unit 370, preferred beneficiary screen control unit 390) 300 receives some termination application and agreement, the web server 300 transmits this to the trust operation server (some termination module 251) (S203).

Then, the trust management server (some cancellation module 251) terminates the management assets or periodic deposits, such as the issued bills that correspond to the amount for which some termination is applied (S205). The account server (transfer unit 105) requests cancellation and deposit of the recovered asset or the canceled periodic deposit amount, that is, a part of the collateral (S207). At this time, the interest rate, or trust profit for the terminated amount is calculated and the deposit is requested together.

The account server (transfer unit 105) terminates a part of the collateral requested in step S207 in the specific money trust account (S209). In addition, a portion of the terminated collateral and the trust profit requested in step S207 are deposited together with the escrow consolidation account (S211). Then, the processing completion is reported to the trust operation server (some termination module 251) (S213, S215).

Then, the trust management server (some withdrawal module 251) transfers the process report received in step S213 to the web server (trustee screen control unit 370, preferred beneficiary screen control unit 390) 300 through the web screen To be provided (S217).

8 is a flowchart illustrating a method of exercising a specific money trust priority beneficiary right according to an embodiment of the present invention.

Referring to FIG. 8, the web server (priority beneficiary screen control unit 390) 300 is linked to a trust operation server (priority cancellation module 253) to target a beneficiary who can exercise priority beneficiary rights for a specific money trust of a preferential beneficiary. Provided (S301).

Accordingly, the preferred beneficiary may request to exercise the preferred beneficiary right on the basis of a separate contract with the pre-contractor, such as the loss of the deadline profit online.

When the web server (priority beneficiary screen control unit 390) 300 is requested to exercise the preferential beneficiary right, it transmits this to the trust management server (priority cancellation module 253) (S303).

Then, the trust management server (preferably the subsea module 253) terminates the recovery or periodic deposit of the management assets such as the issued bills being operated for the specific money trust (S305). The account account server (transfer unit 105) requests the withdrawal and deposit of the canceled management asset or the periodic deposit amount (S307). At this time, the interest rate, or trust profit for the terminated amount is calculated and the deposit is requested together.

The account server (transfer unit 105) terminates the collateral requested in step S307 in the specific money trust account (S309). In addition, the terminated security deposit and the trust profit requested in step S307 are deposited together with the preferred beneficiary account (S311). Then, the processing completion is reported to the trust operation server (first termination module 253) (S313).

Then, the trust management server (priority termination module 253) delivers the process report received in step S313 to the web server (combination screen control unit 390) 300 (S315) to be provided through the web screen ( S317).

9 is a flowchart illustrating a method for controlling a web screen for a specific money trust service according to an embodiment of the present invention, and illustrates the operation of the web server described with reference to FIGS. 6, 7, and 8. In this case, the configuration will be described with reference to FIG. 5.

Referring to FIG. 9, the login unit 330 logs in a consignor or a preferred beneficiary (S401). Here, the consignor or preferred beneficiary is subscribed in advance as a financial member (eg, internet banking). Or, you are a member of a website dedicated to a particular money trust service.

If the login authentication is successful (S403), the determination unit 350 determines whether the login accessor is a preferred beneficiary or a consignor (S405). The determination is made by searching the subscriber information or the trust subscription DB 230 stored in the login DB 310.

At this time, if it is determined that the preferred beneficiary subscriber, the preferred beneficiary screen control unit 390 outputs the escrow specific money trust subscription status inquiry screen (S407).

In this case, the screen may be configured based on information previously obtained from the trust subscription processing unit 210 and the trust management unit 250 of the trust management server 200 through the steps described with reference to FIGS. 6, 7 and 8. Or it may be configured in real time in conjunction with the trust subscription processing unit 210 and the trust management unit 250 of the trust management server 200.

Subsequently, when the preferred beneficiary selects the beneficiary agreement item (S409), the preferred beneficiary screen control unit 390 switches to the specific money trust new agreement screen (S411). The first beneficiary transfers the information input to the trust manager 250.

In addition, if the preferred beneficiary screen controller 390 selects "in progress" of some cancellation items (S413), the preferred beneficiary screen control unit 390 switches to the termination approval screen (S415). The first beneficiary transfers the information input to the trust manager 250.

In addition, when the preferred beneficiary selects a preferred beneficiary withdrawal item (S417), the preferred beneficiary screen control unit 390 switches to a specific money trust new consent screen (S419). The first beneficiary subscriber transfers the information to the trust manager 250.

On the other hand, if it is determined in step S405 as the entrustor, the entrustor screen control unit 370 outputs the escrow specific money trust subscription status inquiry screen (S421).

The entrustor screen control unit 370 switches to the specific money trust termination transaction screen when the entrustor selects "applicable" of some termination items (S423). And it delivers the information entered by the consignor to the trust management unit (250).

On the other hand, according to another embodiment of the present invention, advance payment dedicated server 800 dedicated to the function for the preferred beneficiary, including the function of the preferred beneficiary screen control unit 390 of the web server 300 in the escrow specific money trust system (1) And the advance payment dedicated server 800 operates in conjunction with the preferred beneficiary, that is, the enterprise resource planning (ERP) system 1000 of the combination. Such an embodiment will be described with reference to FIGS. 10 to 12.

<Example 2>

First, Figure 10 is a block diagram of an escrow specific money trust system according to another embodiment of the present invention, Figure 11 is a block diagram of a web server according to another embodiment of the present invention.

Referring to FIG. 10, the escrow specific money trust system includes an account system server 100, a trust operation server 200, an internet banking server 500, an advance payment server 800, and an ERP system 1000.

At this time, the account system server 100, the trust management server 200, the Internet banking server 500 is installed on the bank side for providing a financial institution, for example, escrow specific money trust products. The advance payment dedicated server 800 and the ERP system 1000 are installed at the preferred beneficiary side, for example, the construction deduction association.

Here, the account server 100 and the trust management server 200 has the same configuration as in Figs. The Internet banking server 500 includes a login information DB 310, a login unit 330, and a consignor screen controller 370 as shown in FIG. 17. The function of these components is the same as that of FIG. 5.

At this time, the Internet banking server 500 is a consignor (company) terminal 1, ... through the Internet network 600. , Connected to the consignor (company) terminal n (800) provides information related to the operation of the escrow specific money trust for the consignor through a web page, and the information input by the consignor through the web page to the trust operation server 200 To pass.

As shown in FIG. 11, the Internet banking server 500 includes a login information DB 310, a login unit 330, and a screen controller 370 for a consignor. The web server 300 of FIG. 5 is configured. Some configuration, that is, the login information DB 310, the login unit 330 and the consignor screen control unit 370.

In addition, the advance payment server 800 is connected to the Internet banking server 500 and the trust management server 200 through the firm banking dedicated network 900, including the configuration of the preferred beneficiary screen control unit 390 of FIG. The ERP system 1000 implements a web environment for the operation of a specific money trust escrow for beneficiaries. The advance payment dedicated server 800 is implemented in the form of a web server.

Here, the firm banking dedicated network 900 may use its own dedicated network and VAN (Value Added Network) network.

Here, the ERP system 1000 is a construction deduction association internal operating system, it is connected to the preferred beneficiary, that is, the head office terminal 1200 and the branch terminal 1300 of the combination through the internal network 1100. In addition, the head office terminal 1200 and the branch terminal 1300 provide a web screen for the operation of the escrow specific money trust for preferred beneficiaries. That is, the ERP system 1000 provides the headquarters terminal 1200 and the branch terminal 1300 with information related to the operation of the escrow specific money trust for the preferred beneficiary through a web page, and information entered by the preferred beneficiary through the web page. It is transmitted to the trust management server 200 through the advance payment dedicated server 800.

Accordingly, the advance payment server 800 receives the advance payment related information through the trust operation server 200, so that the head office terminal 1200 and the branch terminal 1300 may check the ERP system 1000.

Next, FIG. 12 is a flowchart illustrating a method of providing an escrow specific money trust service according to another embodiment of the present invention, which will be described in connection with the configuration of FIG. 10.

Referring to FIG. 12, the accounting server (account manager 110) 100 opens an account for receiving a company advance payment (S501), opens a preferred beneficiary account (S503), and opens an account for consignment escrow (S505). .

The ERP system 1000 transmits the escrow specific money trust trust basic information received from the head office terminal 1200 and the branch terminal 1300 to the advance payment server 800 (S507). Then, the advance payment server 800 transmits the escrow specific money trust basic information received in step S507 to the trust management server 200 (S509).

The trust operation server 200 performs the escrow-specific money trust trust subscription processing of the preferred beneficiary, that is, the combination, based on the escrow-specific money money trust basic information received in step S509 (S511).

Next, when the trust management server 200 and the subscription processing is completed, the account server 100 requests the escrow specific money trust account opening (S513), and the account account server 100 opens a specific money trust account (S515). ).

Next, the trust operation server 200 first performs the designation of beneficiary and the registration of the linked account (S517), and then provides the specific money trust information to the advanced payment server (800) (S519). Then, the advance payment dedicated server 800 provides the specific money trust subscription status to the ERP system 1000 based on the specific money trust information (S521). Accordingly, the head office terminal 1200 and the branch terminal 1300 may access the ERP system 1000 to inquire and confirm the status of subscription to the escrow specific money trust.

Next, when the advance payment is deposited into the account for receiving the corporate advance payment (S523), the account account server 100 transmits the advance payment deposit confirmation to the trust operation server 200 (S525).

Thereafter, when the trust management server 200 receives the advance payment withdrawal approval request from the Internet banking server 500 by the consignor, that is, a member, in operation S527, the trust operation server 200 transmits the advance payment withdrawal approval request to the advance payment dedicated server 800 (S529). Here, since the operation of the Internet banking server 500 is the same as that of the web server 300 of FIGS. 6 to 9, detailed description thereof will be omitted.

Then, the advance payment server 800 provides the advance payment withdrawal approval request screen to the ERP system 1000 (S531), and the withdrawal approval request response inputted by the head office terminal 1200 and the branch terminal 1300 to the ERP system ( Received from the 1000 (S533) and delivers to the trust management server 200 (S535). Here, the withdrawal approval request response includes approval or rejection.

Then, when the withdrawal approval request response is approved, the trust management server 200 pays the advance payment according to the beneficiary right (S537).

At this time, the withdrawal approval request may include both partial withdrawal or full withdrawal of the advance payment.

In addition, when the head office terminal 1200 and the branch terminal 1300 input the priority beneficiary exercise execution, the ERP system 1000 transmits a request for the priority beneficiary exercise execution to the advance payment dedicated server 800 (S539), and the advance payment only. The server 800 transmits to the trust operation server 200 (S541). Then, the trust management server 200 pays the advance payment according to the priority beneficiary right (S543).

Meanwhile, in the first embodiment described with reference to FIGS. 1 to 9 and the second embodiment described with reference to FIGS. 10 to 12, the advance payment process may be performed in the following manner.

FIG. 13 is a flowchart illustrating an embodiment of an advance payment providing process according to another embodiment of the present invention, and may be included in a withdrawal request and approval process of advance payments of FIGS. 7 and 12.

Referring to FIG. 13, when the trust management server 200 receives an approval request from the Internet banking server 500 at step S601, the trust operation server 200 receives a list of the subcontractor prepayment targets provided by the consignor at step S603.

The subcontractor prepayment target list can be uploaded by the consignor through the internet banking server 500 together with the advance payment approval request.

The trust operation server 200 transmits the advance beneficiary's advance payment approval request to the Internet banking server 500 or the advance payment dedicated server 800 to determine that the first beneficiary's advance payment is agreed (S605).

At this time, if the preferred beneficiary agreement is made, the target beneficiary list provided by the preferred beneficiary is received (S607). Such a subcontractor's advance payment target list may be received at the same time when a priority beneficiary agreement is made, and the preferred beneficiary may perform consent and list upload through the Internet banking server 500 or the ERP system 1000.

The trust operation server 200 determines whether the list of the subcontractor's advanced payment target received in step S603 and the list of the subcontractor's advanced payment target received in step S607 match (S609), and if not, rejects the advance payment (S611). . On the other hand, if there is a match, the beneficiary split payment is processed (S613).

That is, the trust management server 200 processes the down payment assigned to the subcontractor to the subcontractor account in step S613, and the prepayment assigned to the consignor is automatically transferred to the requesting account designated by the consignor. Here, the subcontractor refers to a contractor who delegates and processes the work entrusted by the union.

At this time, the trust management server 200 determines whether a transfer impossible account occurs in step S613 (S615), and if so, the temporary deposit processing as a separate deposit (S617).

Here, the separate deposit is an account that accounts for the unpaid funds, funds that cannot be processed with other deposits, and funds for temporary deposit of other specific funds, which occur in the course of business.

Until now, some withdrawal requests and advance withdrawal requests of advance payments were made by consignors, or members, and preferred beneficiaries, or unions, were approved only. Some withdrawal approval by preferred beneficiaries can be issued even if there are no withdrawal requests by members.

On the other hand, the operation described so far is implemented through a screen provided through the web server 200, it may be provided by distinguishing the preferred beneficiary screen and the consignor screen. A screen embodiment will now be described with reference to FIGS. 14 to 21.

&Lt; Example 1 >

A screen example according to an embodiment will be described with reference to FIGS. 14 to 18 as follows. 14 is an exemplary view of a preferred beneficiary screen according to an embodiment of the present invention.

Referring to FIG. 14, the escrow specific money trust subscription status inquiry screen provided by the preferred beneficiary screen controller 390 includes a new subscription status of the escrow specific money trust designated by the creditor as the preferred beneficiary. The new subscription status includes a company name, joint management details, a business name, an account number, a new date, an expiration date, a new amount, and a current balance.

In addition, the escrow specific money trust subscription status inquiry screen includes a priority beneficiary consent item that can perform consent for each new escrow specific money trust. This item is labeled 'Y' or 'N', where 'Y' indicates that the preferred beneficiary agreement has been completed. 'N' indicates that the preferred beneficiary agreement has not been made. Therefore, when the preferred beneficiary clicks on 'N', the screen is switched to the new agreement screen for the specific money trust and the web screen for the agreement is output.

In addition, the escrow specific money trust subscription status inquiry screen includes some cancellation items that can perform consent for the partial cancellation of each new escrow specific money trust. In this case, some of the cancellation items may display three states, and may indicate 'completed completion', 'in progress', and 'cancellation possible'. Here, 'cancellation completion' indicates that both the agreement for some termination and some termination processing have been completed. Therefore, when the preferred beneficiary selects 'cancellation completion', it may be switched to a screen for retrieving some cancellation processing details.

In addition, 'in progress' indicates a state in which the consignee requests partial cancellation or the priority beneficiary's consent is not achieved. When the preferred beneficiary clicks, the screen is switched to a termination approval screen in which the termination can be agreed. And 'cancellable' indicates that some cancellation is possible but the request of the entrustor is not made.

In addition, the inquiry screen for the status of subscription to the escrow specific money trust includes a priority beneficiary withdrawal item that can exercise the preferential beneficiary right of the creditor in accordance with the loss of time. This item is marked with a 'V', and clicking on it will switch to the screen for withdrawing preferred beneficiaries.

15 is an exemplary view of a consignor screen according to an embodiment of the present invention.

Referring to FIG. 15, the escrow specific money trust subscription status inquiry screen provided by the entrustor screen control unit 370 includes a new subscription status of the escrow specific money trust. The new subscription status includes a company name, joint management details, a business name, an account number, a new date, an expiration date, a new amount, and a current balance.

In addition, the escrow specific money trust subscription status inquiry screen includes a priority beneficiary agreement item indicating whether the preferred beneficiary agrees to each new escrow specific money trust. This item is labeled 'Y' or 'N', where 'Y' indicates that the preferred beneficiary agreement has been completed. 'N' indicates that the consent of the preferred beneficiary has not been achieved.

In addition, the escrow specific money trust subscription status inquiry screen includes some cancellation items that can apply for the cancellation of each new escrow specific money trust. In this case, some of the cancellation items may display three states, and may indicate 'completed termination', 'in progress', and 'cancellation possible'. Here, 'cancellation completion' indicates that both the application for termination and some termination processing have been completed. Therefore, when the consignor selects 'cancellation completion', the screen can be switched to a screen for retrieving some termination processing details. 'In progress' refers to a state in which the consignor has requested some termination or the consent of the preferred beneficiary has not been reached. And 'cancellation is possible' indicates a state that can be partially canceled, and when the consignor clicks, it is switched to the partial cancellation application screen.

16 is another exemplary diagram of a consignor screen according to an embodiment of the present invention.

Referring to FIG. 16, the escrow specific money trust subscription status inquiry screen provided by the entrustor screen controller 370 includes a new subscription status of the escrow specific money trust that the entrustor has subscribed to. The new subscription status includes a company name, joint management details, a business name, an account number, a new date, an expiration date, a new amount, and a current balance. At this time, unlike FIG. 11, the settlement rate may be further included.

In addition, the escrow specific money trust subscription status inquiry screen includes a priority beneficiary agreement item indicating whether the preferred beneficiary agrees to each new escrow specific money trust. This item is labeled 'Y' or 'N', where 'Y' indicates that the beneficiary agreement is complete. 'N' indicates that the preferred beneficiary agreement has not been made.

In addition, the escrow specific money trust subscription status inquiry screen includes some cancellation items that can apply for the partial cancellation of each new escrow specific money trust, it may consist of some cancellation request items and some cancellation progress items.

Here, when a part of cancellation application items is clicked, the term deposit divided by the prior agreement is canceled by the unit of division. For example, if a contract of 3 billion won is operated with 100 time deposits in 30 million won units, clicking on some cancellation items will result in the termination of 100 million time deposits.

In addition, some cancellation progress items indicate the progress status of some cancellations applied in some cancellation request items, and may be displayed as "in progress" or "payment".

17 and 18 are exemplary diagrams of a screen to which a period extension item is added.

17 is a diagram illustrating a screen of a preferred beneficiary to which a period extension item is added.

Referring to FIG. 17, the escrow specific money trust subscription status inquiry screen provided by the preferred beneficiary screen controller 390 includes a new subscription status of the escrow specific money trust designated by the creditor as the preferred beneficiary. The new subscription status includes a company name, joint management details, a business name, an account number, a new date, an expiration date, a new amount, and a current balance.

In this case, it includes a beneficiary agreement item for partial termination, a beneficiary agreement item for a term extension, and a preferred beneficiary withdrawal item.

Here, the beneficiary consent item for the term extension is an item for the preferred beneficiary to process the consent when the consignor applies for an extension of the term of the term of the term of the management of the collateral.

18 is an exemplary view of a screen of a consignee to which a period extension item is added.

Referring to FIG. 18, the escrow specific money trust subscription status inquiry screen provided by the entrustor screen controller 370 includes the new subscription status of the escrow specific money trust. The new subscription status includes a company name, joint management details, a business name, an account number, a new date, an expiration date, a new amount, and a current balance.

It also includes some termination items and a term extension. At this time, some of the cancellation items are composed of some of the cancellation request items, and whether the beneficiary agrees first. In addition, the term extension item is composed of a term extension request item and an item that can confirm the consent of the preferred beneficiary.

Meanwhile, the screen configuration of FIGS. 14 to 18 may further include an item for generating one-sided approval by the consignor, ie, a member.

<Example 2>

An example of a screen according to another exemplary embodiment of the present invention will be described with reference to FIGS. 19 to 21, and an example of a consignor screen.

19 and 20 are new sign-up screen of the entrustor according to another embodiment of the present invention.

Here, FIG. 19 is a first screen displayed when a consignor who has completed a specific money trust sign-up procedure at an offline window accesses Internet banking and clicks on a specific money trust item.

Referring to FIG. 19, the new subscription screen P100 includes a specific money trust brand name, a risk grade, a subscription amount P101, and a detail / subscription item P103.

At this time, the subscription amount (P101) item indicates a specific amount, for example, more than 300 million, less than 300 million. Therefore, you can carry out the online subscription procedure for your products if you remember that the amount you subscribed is more than 300 million or less than 300 million without having to memorize the serial number or business number of the product that you offered to subscribe at the offline window. .

In addition, the details / subscription (P103) item is an item for requesting the procedure of FIG.

20 shows a subscription screen P200 in which a consignor (or a member) indicates a new subscription preferred beneficiary and a specific money management asset.

The subscription screen P200 includes an inquiry item P201, and if only the union name is selected in the inquiry item P201, the current status P203 of each member of the union is automatically presented.

If one item is selected from the current status of each business site (P203), product information (P205), priority beneficiary designation item (P207), and a specific money trust management asset instruction sheet (P209) are presented at the bottom. The procedure for indicating preferred beneficiaries and specific monetary assets online is completed by entering the necessary information for each item.

21 is a screen of the entrustor's subscription status inquiry and part cancellation request according to another embodiment of the present invention.

Referring to FIG. 21, the entrustor's subscription status inquiry and partial termination application screen P300 includes an inquiry item P301, and when a query condition provided by the inquiry item P301 is inputted, a withdrawal status P303 is displayed. Presented. If one of the three items (P305, 307, 309) of the progress state is selected from the withdrawable status (P303), the sewage classification classification guide screen (P311) pops up. Here, according to the sewage classification classification guide screen (P311), the selected withdrawal is normally performed only when uploading the sewage subcontractor's advanced payment target list described in FIG. 13.

Here, the screen display displayed on the three items (P305, 307, 309) of the progress state is shown in Table 1 below.

In this case, 'O', 'X' in Table 1 means whether the screen is displayed to the consignor (member) or preferred beneficiary (combination).

Display Explanation Member (company) Combination (Preferred Beneficiary) user Applicant user Applicant Preferred Beneficiary Agreement Before reception The union member has completed the new process but is still in the state before the union accepts it. o x x Proceeding Union user has received and applied for payment o o x Consent The union payer rejected the payment during the payment (the same status as before the reception) o x x Consent Priority beneficiary agreement has been completed until the union payer o o o Termination of Partial Beneficiaries Before application Member is new and has not yet (some) not applied for termination x x x x Application in progress The member applied for termination (some), but the member's payer was not approved o x x x Application companion The member's approval is rejected during the payment (state before application) x x x x Before acceptance The union is still (partly) canceled after the final approval of the member's approval. o o x x Approval in progress The union user is accepting (partly) canceling approval o o o x Acknowledgment The union payer rejected the payment during the payment (combination approval status) o o x x Approved The payment is completed by the final payer of the union (before application) o o o o Rejection Rejection of union user approval (in front of member application acceptance) x x x x Preferential Beneficiary Exercise Withdrawal Reception Steady state where the combination has not yet executed a preferred beneficiary x x Withdrawal in progress Union user has approved approval to exercise preferential beneficiary o x Withdrawal The union payer rejected the payment during the payment (before and after withdrawal) x x Withdrawal complete Payment is completed and processed up to the union final bill holder o

One of the screen display portions of Table 1 above is displayed in the progress status items P305, P307, and P309, and when the displayed progress status is clicked on, processing is performed accordingly.

On the other hand, Table 2 below is the escrow specific money trust information reception screen, the provider is a deduction association.

division Kinds Attribute (digits) Description Warranty number number ● N (012)  KEY value: default value is provided when KEY value is administered for new and canceled specific money Contract Name text ● VC2 300 Member number text ● VC2 (005) Construction company  Business classification number ● N (001) 1: individual, 2: corporate  Company Registration Number number ● N (013) Social Security Number for Individuals  Corporation number number ● N (013)  Mutual text ● VC2 (150)  representative text ● VC2 (150)  Joint management amount number ● N (015)  Specific amount of new money trust  Warranty start date number ● N (008)  yyyymmdd  Warranty end date number ● N (008)  yyyymmdd Professional construction mutual aid association  Company Registration Number number ● N (013) Registered subsidiary in charge  Branch name text ● VC2 300  Contact person text ● VC2 (060)  Preferred Beneficiary Account Number number ● N (020) Product Type   Product Code text ● VC2 (001) Advanced Payment Guarantee: "A", Guarantee Guarantee: "B"

Table 3 below is new corporate special information, and information is provided when a consignor subscribes to an escrow specific money trust using Internet banking in S109 of FIG. 6 and step 519 of FIG. 12.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 01 Warranty number number ● N (012)  ● Member number text ● VC2 (005)  ●  Application Date / Trading Date number ● N (008)  ●  yyyymmdd Product Type   Product Code text ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Table 4 below is a combination priority beneficiary consent screen, and when the consignor joins a specific money trust in step S127 of FIG.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number  ● N (002) 02 Warranty number number  ● N (012)  ● Member number text ● VC2 (005)  ● Account number (company specific monetary account) number  ● N (020)  ● The specific money trust account number of the construction company Contract Name text  ● VC2 300  ● Construction company
(partner)
[Beneficiary]  Company Registration Number number  ● N (010)  ●  Corporation number number  ● N (013)  ●  Mutual text  ● VC2 (150)  ●  representative text  ● VC2 (150)  ●  Account Number (Special Receipt Account) number  ● N (020)  ● Account number to receive company specific cash termination amount  Application Date / Trading Date number  ● N (008)  ●  yyyymmdd  How to Operate Trust Assets (Commodities) number  ● N (002)  ●  1: Time deposit / 2: Notes  Trust contract amount (in contract) number  ● N (015)  ●  Amount of Special Internet Bonus (Community Management Amount)  New day number  ● N (008)  ●  yyyymmdd  Expiry Date (Extended Extension) number  ● N (008)  ●  yyyymmdd (extended expiration date when extended) Deduction
( Branch )
[Priority beneficiary]  Company Registration Number number  ● N (010)  ● Union Branch Office Business Registration Number  Branch name text  ● VC2 (030)  ●  Account number (special termination account) number  ● N (020)  ● Receiving account number when executing a combined preferred beneficiary certificate  Contact person text   ● VC2 (150)  ●  Contact mobile phone number text  ● N (011)  ● Product Type   Product Code text   ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 5 shows the company's special deposit information, and the deposit information is provided when the consignor deposits the specific money trust in S119 of FIG. 6 and S525 of FIG. 12.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 03 Warranty number number ● N (012)  ● Member number text ● VC2 (005)  ●  Application Date / Trading Date number ● N (008)  ●  yyyymmdd  Trust contract amount (in contract) number ● N (015)  ●  Amount of Special Internet Bonus (Community Management Amount)  Joint management amount (real deposit) number ● N (015)  ●  Specific Money Trust Actual New Amount Product Type   Product Code text ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 6 is the enterprise profit right withdrawal request information, the consent request information is provided to the preferred beneficiary when the consignor applies for withdrawal in step S201 of FIG. 6 and step S529 of FIG. 12.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 04 Warranty number number ● N (012)  ● Member number text ● VC2 (005)  ● Account number (company specific monetary account) number ● N (020) The specific money trust account number of the construction company Contract Name text ● VC2 300 beneficiary  Application Date / Trading Date number ● N (008)  ●  yyyymmdd Product Type   Product Code text ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 7 is a combination beneficiary payment approval information, the information is provided for the payment if the preferred beneficiary agrees to withdraw some of the S203 of Figure 6, S537 of Figure 12.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 05 Warranty number number ● N (012)  ● Member number text ● VC2 (005)  ● beneficiary  Application Date / Trading Date number ● N (008)  ●  yyyymmdd  Withdrawal Rate (Apply) number ● N (003)  ● Not a cumulative rate  Accumulated withdrawal rate (including application) number ● N (003)  ●  Trust balance (after withdrawal) number ● N (015)  ●  Withdrawal amount number ● N (015)  ●  Trust income number ● N (015)  ● Trust income before tax deduction  Total withdrawal amount (including application) number ● N (015)  ●  Total Withdrawal Trust Income number ● N (015)  ● Product Type   Product Code text ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 8 is information on corporate profit payment (branch: issue bill extension: periodic deposit), which is provided when a trust income is paid to a consignor on a specified settlement date.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 06 Warranty number number ● N (012)  ● Member number text ● VC2 (005)  ● beneficiary  Application Date / Trading Date number ● N (008)  ●  yyyymmdd  Trust income number ● N (015)  ● Trust income before tax deduction  Total Withdrawal Trust Income number ● N (015)  ● Product Type   Product Code text ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 9 provides information to the consignor during legal proceedings, such as beneficiary pressurization, from a third party.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 07 Warranty number number ● N (012)  ● Member number text ● VC2 (005)  ●  Application Date / Trading Date number ● N (008)  ●  yyyymmdd Seizure (Pressure)  Case number text ● VC2 (030)  ●  Garnishment number ● N (015)  ●  Creditor Name text ● VC2 (030)  ●  Full order number ● N (001)  ● Full command: 1, or: 0 Product Type   Product Code text ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 10 shows information on legal release of beneficiary seizure, which is provided to the consignor during legal proceedings such as beneficiary of seizure.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 08 Warranty number number ● N (012)  ● Member number text ● VC2 (005)  ● beneficiary  Application Date / Trading Date number ● N (008)  ●  yyyymmdd Seizure (Pressure)  Case number text ● VC2 (030)  ●  Garnishment number ● N (015)  ●  Creditor Name text ● VC2 (030)  ●  Full order number ● N (001)  ● Full command: 1, or: 0 Product Type   Product Code text ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 11 shows the combined preferred profit right information, which is provided when the preferred beneficiary executes the preferred profit right in S235 of FIG. 7, S317 of FIG. 8, and S543 of FIG. 12.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number  ● N (002) 09 Warranty number number  ● N (012)  ● Member number text ● VC2 (005)  ● beneficiary  Application Date / Trading Date number  ● N (008)  ●  yyyymmdd  Withdrawal Rate (Apply) number  ● N (003)  ● Not a cumulative rate  Accumulated withdrawal rate (including application) number  ● N (003)  ●  Trust balance (after withdrawal) number  ● N (015)  ●  Withdrawal amount number  ● N (015)  ●  Trust income number  ● N (015)  ● Trust income before tax deduction Deduction
Preferred Beneficiary  Withdrawal amount number  ● N (015)  ●  Withdrawal Trust Income number  ● N (015)  ●  Withholding tax (interest income tax) number  ● N (015)  ● Product Type   Product Code text   ● VC2 (001)  ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 12 provides information on the extension of the trust period, which is provided when the trust period is extended under the agreement of the beneficiary and the preferred beneficiary before the trust period expires.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 10 Warranty number number ● N (012) ● Member number text ● VC2 (005) ● beneficiary Application Date / Trading Date number ● N (008) ● yyyymmdd Expiry Date (Extended Extension) number ● N (008) ● yyyymmdd (extended expiration date when extended) Product Type Product Code text ● VC2 (001) ● "A" = Advance Guarantee, "B" = Guarantee

Next, Table 13 is the sewerage prepayment information, and information is now provided when the prepayment is made to the subcontractor among the partial withdrawal amounts of the consignor in S613 and S617 of FIG. 13.

division Kinds EVENT Provide information Remarks Transaction Classification (Code) number ● N (002) 11 Warranty number number ● N (012) ● Member number text ● VC2 (005) ● beneficiary Application Date / Trading Date number ● N (008) ● yyyymmdd Payment of down payment by subcontractor number ● N (001) ● Transfer complete: 1, Partial transfer is impossible: 2 Product Type Product Code text ● VC2 (001) ● "A" = Advance Guarantee, "B" = Guarantee

At least some of the functions of the escrow specific money trust system 1 according to the embodiment of the present invention described above may be implemented in hardware or software coupled to the hardware. Here, the escrow specific money trust system 1 is composed of a plurality of servers, that is, the account system server 100, the web server 200 and the trust management server 300, each server includes a plurality of components.

Hereinafter, an embodiment in which components in a plurality of servers of the escrow specific money trust system 1 are coupled to a computer system will be described in detail with reference to FIG. 22.

22 is a schematic diagram of an escrow specific money trust system according to another embodiment of the present invention, the account management unit 110, the transfer unit 150, the trust described with reference to FIGS. 1 to 5 and 10 to 11 At least some of the functions of the subscription processing unit 210, the trust operation unit 250, the operation unit 270, the login unit 330, the determination unit 350, the entrustor screen control unit 370, and the preferred beneficiary screen control unit 390. Represents a system that can be used to perform.

Referring to FIG. 22, an escrow specific money trust system 400 includes a processor 401, a memory 403, an input / output (I / O) interface 405, a network interface 407, and at least one storage. Device 409.

The processor 401 may be implemented as a central processing unit (CPU) or other chipset, microprocessor, or the like, and the memory 403 may be a dynamic random access memory (DRAM) or a rambus DRAM (rambus DRAM). DRAM, RDRAM), synchronous DRAM (synchronous DRAM, SDRAM), static RAM (RAM, etc.) may be implemented as a medium such as RAM.

In addition, I / O interface 405 allows processor 401 and / or memory 403 to access storage 405, and network interface 407 provides processor 401 and / or memory 403. ) To access the network (not shown). Here, the network (not shown) may include both a computer network and an internet network of a financial institution.

In addition, the storage device 409 may include a hard disk, a compact disk read only memory (CD-ROM), a CD rewritable (CD-RW), a digital video disk ROM (DVD-ROM), a DVD-RAM, a DVD- It can be implemented as a permanent or volatile storage such as optical disks such as RW disks, blu-ray disks, flash memory, various types of RAM.

In this case, the processor 401 is an account management unit 110, a transfer unit 150, a trust subscription processing unit 210, a trust operation unit 250, operation unit 270, login unit 330, determination unit 350 ), Program instructions for implementing at least some of the functions of the entrustor screen control unit 370 and the preferred beneficiary screen control unit 390 into the memory 403, the account DB 130, the trust subscription DB 230, and The function of the login information DB 310 may be located in the storage device 409 so that the operation described with reference to FIGS. 6 to 9 and 12 may be performed.

In addition, the memory 403 or the storage device 409 may be linked with the processor 401 to manage the account management unit 110, the transfer unit 150, the trust subscription processing unit 210, the trust operation unit 250, and the operation unit 270. ), The login unit 330, the determination unit 350, the entrustor screen control unit 370, and the preferred beneficiary screen control unit 390 may be performed.

The processor 401, the memory 403, the storage device 409, the I / O interface 405, and the network interface 407 shown in FIG. 22 may be implemented in one computer or distributed in a plurality of computers. It may be implemented.

In addition, the prepayment fund management fund may be managed as shown in FIG. 23, unlike FIG. 6.

23 is a flowchart illustrating a method for subscribing to a specific money trust according to another embodiment of the present invention.

Referring to FIG. 23, unlike a separate account for receiving collateral (or advance payment) in the name of a company (member), as shown in FIG. 6, when a new contract is made at an escrow specific money trust at a window or Internet banking, an account server ( 100) opens an escrow specific money trust account (S701). At this time, the beneficiary of the opened escrow special account is a company, or a member, and the preferred beneficiary is a deduction association.

Next, the trust operation server 200 performs the escrow special subscription of the company, that is, the member (S703), and then designates the preferred beneficiary and registers the linked account (S705). Then, a request for opening a special account is made to the account server 100 (S707).

Next, the account server 100 opens a specific money trust account (S709).

Here, step S701 is a step of opening an escrow specific money trust account through a window terminal (not shown) in the bank branch, and step S707 is a step of opening an escrow specific money trust account at the request of the trust operation server 200. , But not at the same time, it is alternatively performed.

Thereafter, the account of the escrow-specific money trust is reported to the client as an account for receiving the advance payment, and the full amount of the advance payment from the client is deposited into the account of the escrow-specific money-trust trust, and the bank, which is the trustee, receives information about the advance payment joint management account from the deduction association. The amount corresponding to the joint management fund among the advance payments deposited on the trust operation server 200 of FIG. 6 is to be operated as the operation instruction in the pre-escrow specific money trust contract and the amount does not correspond to the joint management fund among the advance payments. In this case, the company (members) can withdraw money from Internet banking or bank teller.

That is, when the security deposit is deposited (S711) to the account opened in step S701 or S707, the account accounting server 100 notifies the trust management server 200 of the deposit (S713).

As such, unlike FIG. 6, when a security deposit is directly deposited to an escrow specific money trust account, a union and a member do not have to visit a bank. In the case of Figure 6, when a security deposit is received in the account for receiving corporate collateral, both the union and the member should visit the bank when withdrawing funds from the account for receiving corporate collateral.

In addition, the trust operation server 200 provides the specific money trust information to the web server 300 (S715).

Then, the web server 300 provides a specific money trust subscription status via the web (S717).

Next, the web server 300 provides a preferred beneficiary consent request through the web (S719), and registers a preferred beneficiary designation agreement and a linked account (S721). The registration result is provided to the trust operation server 200 (S723).

Next, the trust operation server 200 determines the class of common management funds among the collateral (S725) and the joint management fund is operated as escrow specific money trust funds (S727).

The amount excluding the joint management fund enables the company or beneficiary to withdraw the special allowance (S729).

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (27)

A trust management server that manages escrow-specific money trusts that are operated by subscribing to the financial products instructed by the consignor in the name of the consignor in accordance with the mutual agreement between the consignor as the debtor and the preferred beneficiary as the creditor;
Provides information related to the operation of the escrow specific money trust in conjunction with the trust management server through a web page, wherein the consignor and preferred beneficiary-the preferred beneficiary is the consignor is the debtor, the escrow specific money trust by the consignor Designated as the preferred beneficiary of-a web server for delivering the information input through the web page to the trust management server; And
An account server that opens an account for operating the escrow specific money trust in conjunction with the trust management server and processes the transfer between the opened accounts.
Lt; / RTI &gt;
The web server comprises:
A login unit which performs login authentication of a subscriber accessing the web server;
A determination unit determining whether the connected subscriber is a consignor or a preferred beneficiary if the login authentication is successful;
A consignor screen control unit for providing a web page for requesting termination of the escrow specific money trust trust status, whether or not the beneficiary consents, and the escrow specific money trust trust that the entrustor has subscribed to; And
If it is determined that the preferred beneficiary is a case, the web can provide the status of subscription to a plurality of escrow specific money trusts entrusted by the consignor, approve the preferred beneficiary, approve the request for the termination of the escrow specific money trust, and exercise the priority beneficiary rights. Preferred beneficiary screen controls to serve pages
Escrow specific money trust system comprising a. The method of claim 1,
The trust operation server,
A trust subscription processing unit which provides escrow specific money trust information subscribed to by the entrustor to the web server and requests and receives a preferred beneficiary consent for subscribing to an escrow specific money trust when the security money is deposited; And
If the preferential beneficiary consent is received, the collateral includes a management unit for operating as a deposit in the financial instrument or the depositor's name instructed by the consignor,
The web server comprises:
Based on the information received from the trust subscription processing unit provides a subscription status of the escrow specific money trust, and provides a web page for requesting the preferential beneficiary consent, the information entered when the preferred beneficiary consent is entered through the web page Escrow specific money trust system to deliver to the trust subscription processing unit. 3. The method of claim 2,
The trust subscription processing unit,
Guide the escrow specific money trust product through the web server, receive the subscription information entered by the consignor, generate the management asset indication information, and perform the consignor's consent to the management asset indication information and register the subscription certificate; Escrow specific money trust system that performs the subscription processing of specific money trusts. 3. The method of claim 2,
The operation unit,
An escrow-specific money trust system for managing the security by dividing the security into a plurality of periodic deposits according to the operating instructions of the entrustor in accordance with the mutual agreement between the entrustor as the debtor and the preferred beneficiary as the creditor. 3. The method of claim 2,
The account system server,
An account management unit that opens an escrow-specific money trust connection account and an escrow-specific money trust account in the name of the consignor and notifies the trust management server when collateral is deposited in a jointly managed account jointly managed by the preferred beneficiary and the consignor. ; And
Withdraw the collateral from the joint management account at the request of the trust management server and deposit the collateral in the escrow-specific money trust consolidation account, and withdraw the collateral from the escrow-specific money trust consolidation account to replace the escrow-specific money trust Transfer department which deposits into account
Escrow specific money trust system comprising a. 3. The method of claim 2,
The web server comprises:
Providing a web page for the request and approval of some termination of the escrow specific money trust, and transfers the information received through the web page to the trust management server,
The trust operation server,
The preferred beneficiary's approval is received from the web server for some revocation requests made by the consignor, or some revocation approval generated by the preferred beneficiary-The partial revocation approval is generated by the preferred beneficiary without precedence by some revocation of the consignor. -Is received, the trust management unit for processing the cancellation of some of the amount requested for the termination of the collateral enlisted in the escrow specific money trust, and calculates the trust profit to be paid to the entrustor along with the canceled partial security
Escrow specific money trust system further comprising a. The method according to claim 6,
The trust management unit,
If some termination request or approval occurs, the subcontractor's down payment target list provided by the consignor is compared with the subcontractor's down payment target list provided by the preferred beneficiary. , An escrow-specific money trust system that pays the consignor's subcontractors directly. The method of claim 7, wherein
The account system server,
An account management unit for establishing an escrow-specific money trust trust account and an escrow-specific money trust account in the name of the consignor, wherein the escrow-specific money trust account is linked to an account of a financial instrument subscribed to by the consignor; And
The escrow together with the trust profit received from the trust management server by canceling the partial security from the time deposit account to which the requested partial security is subscribed to among the time deposit accounts linked to the escrow specific money trust account at the request of the trust management server. The transfer department which processes deposit into the account for the specific money trust connection
Escrow specific money trust system comprising a. 3. The method of claim 2,
The web server comprises:
Providing a web page for requesting the preferential beneficiary exercise of the preferred beneficiary for the escrow specific money trust, transferring the information received through the web page to the trust management server,
The trust operation server,
Receiving a priority beneficiary exercise request generated by the preferred beneficiary from the web server, the trust management unit to terminate the escrow specific money trust, to calculate the trust profit to be paid to the preferred beneficiary with the canceled collateral
Escrow specific money trust system further comprising a. 10. The method of claim 9,
The account system server,
Opening a preferred beneficiary account and escrow specific money trust account in the name of the preferred beneficiary, wherein the escrow specific money trust account is linked to an account of a financial instrument for trust management or a plurality of periodic deposit accounts according to the consignor's operation instructions. Account management unit; And
Transfer unit for processing the deposit to the preferred beneficiary account with the trust profit received from the trust management server by canceling all or part of the collateral from all accounts linked to the escrow specific money trust account at the request of the trust management server
Escrow specific money trust system comprising a. 3. The method of claim 2,
The web server comprises:
Providing a web page on which the entrustor for the escrow specific money trust can apply for extension of the period and a web page on which the preferred beneficiary can agree to the extension of the period, and the information received through the web page; To the trust management server,
The trust operation server,
Upon receipt of a request for extension of the period generated by the consignor from the web server, confirming the consent of the preferred beneficiary; if the agreement is confirmed, canceling the escrow specific money trust according to the expiration at the time when the agreement expires; Trust Management Department, which automatically handles escrow specific money trusts by the deadline for which the period is extended.
Escrow specific money trust system further comprising a. delete 3. The method of claim 2,
The account system server,
And an account management unit that opens an escrow specific money trust account in which the beneficiary is the debtor and the beneficiary is the creditor, and informs the trust management server when a deposit is deposited in the escrow specific money trust account.
The operation unit,
An escrow specific money trust system in which only the advance payment joint management funds of the collateral are managed as escrow funds, and the remaining amount of the collateral can be withdrawn by the beneficiary. In a method for providing a web environment for escrow specific money trusts in which a consignor as a debtor manages collaterals between mutually preferred beneficiaries as a creditor's trust property,
Performing a login authentication of a visitor by a web server providing the web environment;
The consignor and the preferred beneficiary who succeeded in the login authentication, wherein the preferred beneficiary is the entrustor and the preferred beneficiary of the escrow specific money trust. Outputting a web page composed of information for operating the web server; And
Transmitting information input by the consignor and the preferred beneficiary to the trust management server operating the escrow specific money trust through the web page;
Lt; / RTI &gt;
Wherein the outputting step comprises:
Providing a web page for the subscription status and consent of the preferred beneficiary for each escrow specific money trust, approval of some terminations, and exercise of the preferred beneficiary rights when the accessor who succeeded in the login authentication is the preferred beneficiary;
If a preferred beneficiary agreement item displayed on the web page is selected, switching to a new agreement screen for preferential beneficiary agreement for a corresponding escrow specific money trust;
If the approval item for the partial cancellation output on the web page is selected, switching to the approval screen for partial termination approval for the corresponding escrow specific money trust; And
If the priority beneficiary exercise item displayed on the web page is selected, the step of switching to a screen for exercising the priority beneficiary right for the corresponding escrow specific money trust,
Delivering to the trust management server,
Web environment providing method for delivering the information received through the new consent screen, the approval screen and the screen for the preferential beneficiary exercise to the trust management server. delete 15. The method of claim 14,
Providing the web page of the output step,
Provide a web page for consent of the beneficiaries, approval of some terminations, consent to the exercise of preferential beneficiaries, and application for extension of time;
Wherein the outputting step comprises:
If the consent item for the extension request for the period displayed on the web page is selected, switching to the screen for agreeing the extension request for the corresponding escrow specific money trust.
Web environment providing method further comprising. 15. The method of claim 14,
Wherein the outputting step comprises:
If the accessor who succeeds in the login authentication is the entrustor, checking the subscription status and whether the preferred beneficiary agrees with each escrow specific money trust or providing a web page for requesting partial termination; And
If the partial cancellation request is selected, switching to a cancellation transaction screen;
Delivering to the trust management server,
Web environment providing method for delivering the information received through the termination transaction screen to the trust management server. 18. The method of claim 17,
Providing the web page of the output step,
Provide web pages for confirmation of preferred beneficiary consent, partial termination requests, and application for extension,
Wherein the outputting step comprises:
If the extension request is selected, the web environment providing method further comprising the step of switching to the extension request screen. 18. The method of claim 17,
Wherein the outputting step comprises:
Before providing the web page for the partial cancellation request, providing a web page for the guidance of the escrow specific money trust products and the application for subscription of the escrow specific money trust trust.
Web environment providing method further comprising. The method according to any one of claims 14 and 16 to 19,
Performing the login authentication,
And a web environment providing method for determining whether the entrustor and the preferred beneficiary are internet banking subscribers of a financial institution. The method according to any one of claims 14 and 16 to 19,
Performing the login authentication,
And determining whether the entrustor and the preferred beneficiary are subscribers of a dedicated web site for the escrow specific money trust. A trust management server that manages escrow-specific money trusts that are managed by subscribing to the financial instruments instructed by the consignor in the name of the consignor in accordance with the mutual agreement between the consignor as the debtor and the preferred beneficiary as the creditor;
The Internet provides information related to the operation of the escrow specific money trust in conjunction with the trust management server through a web page of the Internet banking service, and delivers the information entered by the entrustor through the web page to the trust management server. Banking server;
In conjunction with the trust management server, provides information related to the operation of the escrow specific money trust through the web page of the preferred beneficiary's Enterprise Resource Planning (ERP) system, and the information entered by the preferred beneficiary through the web page. An advance payment dedicated server for delivering to the trust operation server; And
An account server that opens an account for operating the escrow specific money trust in conjunction with the trust management server and processes the transfer between the opened accounts.
Lt; / RTI &gt;
The trust operation server,
Providing the escrow specific money trust information subscribed to by the consignor to the internet banking server, and when the advance payment is received, requesting the beneficiary consent to the advance payment dedicated server for subscribing to the escrow specific money trust, and preferentially from the advance payment server. A trust subscription processing unit which receives the beneficiary basic information and performs escrow specific money trust subscription processing; And
If the preferential beneficiary agreement is received, the advance payment includes a management unit for operating the deposit as a deposit or a regular deposit in the name of the trustee,
The internet banking server,
Based on the information received from the trust subscription processing unit to provide the status of subscription of the escrow specific money trust,
The advance payment dedicated server,
If the preferred beneficiary agreement is input through the web page by providing the status of subscription of the escrow specific money trust based on the information received from the trust subscription processing unit, and providing a web page for requesting the preferential beneficiary consent to the ERP system Escrow specific money trust system for transmitting the input information to the trust subscription processing unit. delete The method of claim 22,
The internet banking server,
Providing a web page for requesting the termination of the consignor for the escrow specific money trust, and transfers the information received through the web page to the trust management server,
The advance payment dedicated server,
Approval of partial termination of consignor's request for escrow specific money trust received from internet banking server or partial termination approval by preferred beneficiary-The partial termination approval is generated by preferred beneficiary without incurring partial termination request of consignor -Provide a web page for delivering information input through the web page to the trust management server,
The trust operation server,
Upon receipt of a preferential beneficiary's approval for some termination requests incurred by the consignor or a partial termination approval issued by the preferred beneficiary, wherein the partial termination approval is generated by the preferred beneficiary without incurring some termination requests from the consignor. A trust management unit that cancels and processes the amount of the requested security for the termination of some of the collaterals subscribed to the escrow specific money trust, and calculates the trust interest to be paid to the entrustor along with the canceled partial security.
Escrow specific money trust system further comprising a. 25. The method of claim 24,
The trust management unit,
If there is some termination request or some termination approval, the subcontractor's advance payment target list provided by the consignor and the subcontractor's advance payment target list provided by the preferred beneficiary are matched, and if the list is the same, the consignor An escrow-specific money trust system that pays funds directly to a subcontractor. The method of claim 22,
The advance payment dedicated server,
Providing a web page for requesting the preferential beneficiary exercise of the preferred beneficiary for the escrow specific money trust, and transfers the information received through the web page to the trust management server,
The trust operation server,
Upon receipt of a request for an exercise of preferential beneficiary rights generated by a preferred beneficiary from the advance payment server, a trust management unit that terminates the escrow specific money trust, calculates a trust profit, and processes it to be paid to the preferred beneficiary along with the canceled collateral.
Escrow specific money trust system further comprising a. The method of claim 22,
The internet banking server,
Providing a web page that the consignor for the escrow specific money trust can apply for an extension of the period, delivers the information received through the web page to the advance payment dedicated server,
The advance payment dedicated server,
Providing a web page for performing the consent of the preferential beneficiary's request for extension of the escrow specific money trust, and delivers the information received through the web page to the trust management server,
The trust operation server,
Upon receipt of the request for extension of the period generated by the consignor from the Internet banking server, confirming the consent of the preferred beneficiary, and if the agreement is confirmed, terminates the escrow specific money trust according to the expiration at the time when the agreement expires. Trust Management Department, which automatically handles escrow specific money trusts by the deadline for which the period is extended.
Escrow specific money trust system further comprising a.

Images