KR101421341B1 - Account transfer system for real-time cash management - Google Patents

Abstract

The present invention discloses a money transfer system for efficiently performing research fund payment management.
The account transfer system according to the present invention is an account transfer system for the operation and management of the research fund that is executed from a dedicated institution to a customer via a performing agency and includes a research fund deposited in a dedicated institution account divided into a government fund account and a private fund account In order to execute the program, the program is connected to the accounting program of the executing agency server to receive the data file according to the registration of the research fund usage registration and the transfer execution detail for requesting the research fund, and after confirming the identity of the data file and the transfer execution specialist, And an RCMS server for instructing the fund transfer to the account of the customer via the performing institution account and generating a research result report for settlement of the research fee.
Therefore, the present invention has the effect of enhancing the support system of the R & D fund and enhancing the efficiency of execution, by allowing the dedicated institution and the executing agency to efficiently use and manage the research fund.

Description

{ACCOUNT TRANSFER SYSTEM FOR REAL-TIME CASH MANAGEMENT}

More particularly, the present invention relates to a fund management system, and more particularly, to a fund management system that includes a bank account of a safe as a government or private account, a parent account of a dedicated agency, (RCMS) server that manages 4-way transfer according to the online request of the executing agency's research fund. This system is a system for transferring real-time research funds to improve the transparency of the use of research funds and the efficiency of the research budget execution.

Generally, it is a reality that there is no method to substantiate the practical use in case of post-use settlement of the prepaid funds to the executing agency. In addition, the government and other research and development agencies that support R & D expenses need to supervise and supervise actual conditions such as whether R & D expenditure is properly used by the executing agency. The research and development fee card, which is used as an alternative to cash payment, is limited in use because it is limited in use.

In order to solve such a problem, Korean Patent Registration No. 10-0891121 discloses a research and development support system, and a web site including a request UI has a structure associated with a dedicated agency computer. It is also possible that the request UI is constructed in association with a financial institution. The web site is connected to the executing agency, the customer, and the financial institution through the Internet.

Through the request UI included in the website, functions such as requests for financial institutions and dedicated agencies, notification of requests to dedicated agencies, and inquiries are performed. On the other hand, functions such as research fee verification, fund payment processing and monitoring by application are processed by the financial institution server. The financial institution server includes a research and development expenses support account (parent account), a research and development expenses account (a self account), and a data storage device, and a processing unit performing various functions using these accounts exists.

The processing unit of the financial institution server includes a research fund registration unit that functions as a research fund allocation function, a research fund inquiry unit that functions as a research fund verification function for each account of the user account, a request processing unit that processes a fund request from the executing agency, A monitoring unit for monitoring the flow of funds and observing whether the research and development expenses are properly used or not, and a monitoring unit for monitoring the flow of money.

In the R & D support system configured as described above, first, the executing agency logs in to the website using the designated domain. The designated domain will be designated at the conclusion of the agreement between the executing agency and the supporting organization as well as the domain, and the website will be operated by the dedicated agency.

The executing agency logs in to the request UI and requests R & D expenses (funds). And establishes a predetermined request function in the request UI. On the website, when a request for payment is received from the executing agency, it notifies the dedicated agency that the request has been received. At this time, the research expenses of the executing agency account are verified and the validity or the balance of the parent account opened in the name of the dedicated agency is verified.

Thereafter, the Delegatee requests the financial institution to provide funds to support the executing agency. Accordingly, the financial institution carries out the process of cash payment from the parent account to the customer account, and processes it so that the account is immediately deposited into the account. At this time, the processing items are transmitted to the pre-loading observation in real time, and account settlement or reporting is performed.

On the other hand, the flow of funds by various types of funds transfer is first made by the executing agency to make a payment request to the account. When requesting payment, basic information such as withdrawal account number (R & D account number), amount, deposit account (account of account) must be entered. The agency will transfer the funds from the parent bank to the account, and the account will immediately pay the account. In fact, offline cash transfers are substantially similar to online cash transfers.

When the executing agency directly deposits the funds offline, the executing agency first makes a deposit request. In financial institutions, this cash is deposited into the parent institution's account. And increases the research expense representing the balance of the account.

In addition, when research and development expenses are used by credit card rather than cash, the funds are processed in a form that the credit history is received from the credit card company and the funds are paid to the customer. In other words, when the executing agency uses the card and the transaction details are inputted, the credit card company notifies the details to the dedicated agency. If the financial institution asks the financial institution to pay the funds, the dedicated institution will pay the research and development expenses of the name of the executing agency and make payment to the credit card company.

Therefore, it is possible to monitor the R & D account owned by the executing agency as well as solving the problems that occurred in the post-prepayment report because the money is not transferred to the account of the R & It becomes possible to inquire in real time.

However, as described above, research and development expenses for R & D payment processing are not only registered in the R & D support system but also in the self-accounting system of the executing agency, so that duplication of tasks may occur. Therefore, In the case of university, the work load due to duplicate input may increase. In addition, although the R & D expenses are transferred to the customer's account or performed account monitoring, the transaction details are inquired, but the reliability of the account transfer itself is deteriorated because the R & D expenses can not be confirmed accurately for the customer do. In other words, when the research and development expenses are transferred from the executing agency to the payment account, the identity of the company number in the electronic tax invoice issued on the electronic tax bill and the account number of the payment destination account can not be confirmed. There is a limit that can not prevent the use of research funds.

In addition, since the existing system is built in a specific financial institution, it can be used only when the account and card company of the bank are used. Therefore, there is a limit that the account and card selection right of the executing agency is limited. This shows that it limits the efficient management of funds with different management characteristics such as government contributions and private contributions.

1. Korean Patent Registration No. 10-0891121, filed on March 24, 2009, entitled "System and Method for Supporting Research and Development Expenses".

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and an object of the present invention is to provide an example of unauthorized withdrawal of research funds, which can prevent abuse of research funds due to false or duplicate evidence of use of research funds, And it is possible to realize transparent operation of the use of research fund by blocking early.

It is another object of the present invention to provide a system and method for automatically allocating data and proof files related to registration of research expense utilization by being linked to an accounting program such as ERP (Enterprise Resource Planning) or MIS (Management Information System) And receives the transfer execution message including the account transfer request information sent from the ERP or MIS to the executing institution bank, and confirms the identity of the transferred data and the proof file and the transfer document in accordance with the received research fee use registration and executes the transfer System, thereby providing a money transfer system capable of increasing the stability and efficiency of payment and use of research funds.

Another object of the present invention is to provide a method and system for managing deposit funds in order to efficiently manage funds having different management characteristics such as government contributions and private contributions, , A bank account for each bank through which funds are transferred from the bank account of the treasury to each performance institution, a account account for each executing agency provided to receive the research fund, and a account for accounts to be provided when the research fund of the executing agency is used , And a four-way transfer system that provides flexibility in managing research expenses.

It is another object of the present invention to verify the transfer of research funds accurately by confirming whether the research fee confirmed by the account name real name inquiry matches the business number of the account of the transferred account and the business partner number described in the supporting document, And to provide a real-time fund transfer system for real-time research expenses execution, which prevents the utilization of research funds generated when the fund is transferred from the executing agency to a business account that is closed or closed.

According to another aspect of the present invention, there is provided an account transfer system for managing real-time research funds, the system comprising: an account transfer system for managing operations of a research fund transferred from a dedicated institution to a client via an execution institution, In order to execute the research fund deposited in the dedicated institution account divided into the private fund account, the data file according to the registration of the research fund usage and the transfer execution proposal for requesting the research fund payment are connected to the accounting program of the executing agency server, And an RCMS server for confirming the identity of the transfer execution specialist and instructing the transfer of the research funds from the dedicated institution account to the account of the corresponding account via the performing institution account and generating a research result report for settlement of the research fee.

The dedicated institution account according to the preferred embodiment of the present invention includes a parent bank account, which is a plurality of bank accounts set and distributed for each research item in addition to a safe bank account made up of one government finance account and one private finance account, The account transfer of the RCMS server, in response to the research fund payment request of the performing agency server, transfers the funds from the deposit bank account to the account of the corresponding account sequentially through the parent account and the account of the performing institution account sequentially, .

As described above, the account transfer system for executing the real-time research expenses according to the present invention is a system for preventing the abandonment of the research expenses due to false or duplicate evidence of the research expenses and restoring the research expenses from the research expenses account after the utilization thereof. It is possible to realize a transparent operation for the use of the research fund by blocking early.

In addition, the present invention supports all stages of the research expenses management area online, thereby reducing the administrative processing and management items to be perceived / managed by the researcher, thereby creating an environment in which the researcher can engage in research.

In addition, in the present invention, the dedicated institution and the executing agency can efficiently use and manage the research funds, thereby enhancing the support system of the R & D fund and enhancing the execution efficiency.

FIG. 1 is a block diagram showing a money transfer system for managing real-time integrated research expenses according to the present invention.
FIG. 2 is a diagram for explaining the account transfer structure according to the execution of the business expenses of FIG.
3 is another embodiment of Fig.
Fig. 4 is a flowchart for explaining the main operation of Fig. 1. Fig.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

First, the business expense management system proposed in the present invention is collectively referred to as a real-time cash management system (RCMS) as a management agency. In other words, the RCMS conducts management, execution, and inquiry of research funds, and makes online electronic tax invoices according to the use of funds in cooperation with the NTS server. Here, the executing agency is automatically registered with the RCMS server based on the ERP-Enterprise Resource Planning (ERP) and Information System (MIS-Management Information System) for financial accounting, and at the same time, To the bank of the executing agency, the transfer of the RCMS server is executed.

In order to execute the transfer, the bank account of the safe will be transferred to the account of the customer in order to transfer the account balance (hereinafter referred to as "mother account") and the account of the performing institution .

In addition, in the present invention, the quarterly financial audit of each research fund is made by the entrusted accounting corporation entrusted from the dedicated agency. These audits are carried out online based on the data file of the request for research funding and payment made by the executing agency and the full text of the transfer execution.

As shown in FIG. 1, the business expense management system proposed in the present invention is a system in which an account is linked to enforce the business expense in accordance with an agreement on the assignment, and a dedicated account for performing payment and settlement management inquiry based on the electronic agreement An execution agency terminal 240 for sending out a transferee execution request for performing a task according to the agreement of the task and requesting execution of expenses for the research expenses; (230) for carrying out accounting surveillance on various supporting documents corresponding to the information on the expense calculation details requested from the payment client, an electronic accounting server (230) for conducting financial transactions between the performing institution terminal (240) And an IRS server 250 for providing information on the issuance of the tax invoice. The dedicated institution server 220 and the performing institution terminal 240 are connected to the IRS 250 It holds a number of each account.

Therefore, in order to execute the research funds deposited in the account of the dedicated institution divided into the government fund account and the private fund account, it is connected to the accounting program of the executing agency server and receives the data file according to the registration of the research fund utilization and the transfer execution proposal for requesting the research fund payment And an RCMS server for confirming the identity of the data file and transfer execution specialty, instructing the fund transfer from the dedicated institution account to the corresponding account account via the performing institution account, and generating a research expense report for settlement of the research fee .

In addition, the dedicated institution account includes a bank account, which is a plurality of bank accounts set and distributed for each research item, in addition to a safe bank account made up of one government finance account and one private finance account.

Meanwhile, the account transfer of the RCMS server is performed in four-way transfer in order to automatically transfer the parent account and the child account from the safe deposit bank account to the corresponding account account in turn, in response to the research fund payment request of the performing agency server . In this case, the research fund is deposited in the account of the bank of the safekeeping bank, rather than depositing each research fund to the parent bank opened by a plurality of banks. Accordingly, it is possible to integrate and manage research funds of different management characteristics such as government contributions and private contributions, and to reduce operating costs and expect interest income. Separate management of the above-mentioned government funds and private funds accounts is for withholding tax on interest generated from the private funds.

In addition, since the research fund is contracted so that research funds are automatically transferred from the parent account to the student account through the authorized certificate of the executing agency registered in the RCMS server, each of the accounts described above uses the same bank, Prevent commission from occurring. That is, the bank account of the safe depository can be operated by selecting a specific bank, and the bank account of the safe and the account account of the mother account must be the same. Further, the parent account and the child account must use the same bank. This is for reimbursing the funds to the deposit bank again through the parent account when an error occurs in the process of transferring the research funds from the left account to the corresponding account. Accordingly, only when the funding to the customer is successfully performed, the research fund is paid from the parent account to the fund account.

Meanwhile, the dedicated institution server 220 designates a commissioned accounting corporation for each project so that accounting for the research expenses for each research item is performed, and the accounting corporation instructs to perform regular inspections every quarter. Accordingly, the commissioning corporation server 230 accesses the RCMS server 200, checks the supporting documents registered by the executing agency server 220 for use of the research fund, requests additional supporting documents when it detects defective or insufficient parts, , The research funds used by the executing agency will not be recognized and the funds will be returned to the bank. It would be natural for the executing agency to replace the research fund used as the private fund of the executing agency.

The dedicated institution server 220 performs a contract management terminal 221 for an agreement with the RCMS server 200, a task assignment terminal 223 for task management, and a settlement management supervision based on a research fee or business expense payment And a settlement charge terminal 225. In addition, the entrustment accounting corporation server 230 includes a plurality of settlement accounting terminals 231 classified according to business details.

As shown in the figure, the executing agency server 240 includes an ERP-Enterprise Resource Planning (ERP) and an information system (MIS-Management Information System) as an accounting program. The performing agency server 240 registers a data file for use of research funds by using an accounting program. The data file is automatically transferred to the RCMS server 200.

In this case, the performing agency server 240 uses a secured financial network in transmitting transfer execution specialties to the corresponding bank, and the RCMS server also uses a private network (VAN) in which security is established during transactions with all banks use.

Then, it requests payment from the performing agency server 240 according to the use of the research fund. The request for payment according to the use of the research fee does not actually request the funds but sends the transfer execution message to the transaction bank established with the execution institution server 240. The transaction bank of the execution institution server 240 transmits the transfer execution message to the RCMS server 200 ).

When the RCMS server 200 judges that the data file and transfer execution data transmitted from the performing agency server 240 are identical to each other, the RCMS server 200 instructs transfer of funds.

Thereafter, the RCMS server 200 requests payment of a business expense to a transaction bank of a dedicated institution using a secured private network (VAN). Accordingly, funds are transferred from the safe bank account to the parent bank, which is a plurality of bank accounts set and distributed for each research item, and funds are transferred to the corresponding account of the executing agency, that is, the child account. The RCMS server 200 transfers money from the own account to the account of the corresponding account.

Here, the RCMS server 200 receives the information such as the electronic tax bill and the card usage details according to the research expense details of the performing agency server 240 from the IRS server 250, The server 230 performs an accounting audit on the execution of funds through the RCMS server 200.

That is, the entrustment accounting corporation server 230 performs an audit of the transferee provided by the performing agency server 240 and the supporting documents registered for the use of the research funds. At this time, if a defective or insufficient part is found in the checking process of the supporting document, the trust account corporation server 230 requests the performing agency server 240 for additional evidence of the insufficient matter, The research fund used by the executing agency is not recognized and instructs the bank to return the funds to the bank.

Of course, the dedicated server 220 can access the RCMS server 200 and inquire about the settlement result of the research expense of the executing agency.

Further, the RCMS server can inquire the real name of the account holder to confirm the account holder information of the account to be transferred through the private network (VAN). In this way, the RCMS server confirms the number of the account of the corresponding account transferred to the research fund. Also, it confirms whether or not the business entity registration number described in the supporting document including the electronic tax invoice according to the business number of the account of the corresponding account and the research fee use details of the executing agency is identical. Accordingly, accurate transfer of funds to the research fund is accurately verified by confirming the accurate information on the actual transferred customer. In addition, it is linked to the National Tax Service server that provides a close-up business inquiry function capable of confirming whether a business partner is closed or closed by inputting the business entity registration number. Accordingly, the research expenses incurred when transferring the research funds from the executing agency to the business account that is closed or closed are prevented.

Meanwhile, the RCMS server 200 provides a web screen so that the research fee registration, the research fee use execution, and the use result inquiry can be inquired. In addition, the RCMS server 200 requests the cancellation or reduction of the research fee transfer, We carry out task monitoring through surveys according to performance. In the actual survey for performing the task, it is determined whether the task is overlapped, the error of the task execution cost, or the like based on the task monitoring algorithm of the RCMS server 200, or the task is performed based on the accounting program of the commissioning corporation server 230 Regular inspection is carried out.

After the research fee is paid according to the performance of the task, the RCMS server 200 automatically generates a file corresponding to the research expense report and the settlement papers based on the computerized data provided by the performing agency server 240 .

As shown in FIG. 2, the RCMS server 200 implements a four-party money transfer system for management management according to the research fund payment. The RCMS server 200 includes a bank account for depositing government funds and private funds, A parent account made up of a number of dedicated institution accounts that distribute the funds of the account by research fund items and a student account that is a plurality of performing agency accounts for transferring funds from the corresponding bank account upon request for settlement of research expenses based on the accounting program, And the account of the account of the account to which the payment is executed from the executing agency according to the history.

Accordingly, the business expense enforcement management proposed by the present invention is performed by the RCMS server 200 through the bank account, which is a plurality of bank accounts that are set and distributed for each research item from the safe bank account, . The parent account and the child account use the account of the same bank so that the research funds paid back to the left account are returned to the parent account when an error occurs in the process of transferring the research funds from the child account to the account of the corresponding account. Accordingly, only when the research funding to the client is successfully performed, the research fund is managed so that the research fund is paid from the parent institution to the client account.
In the present invention, a plurality of bank accounts set and distributed for each research item are set as the parent account for the account of the performing institution from the safe account bank account of the dedicated institution, and the account of the parent account for the parent account is set to the executing agency By closely linking the institution's account with the parent-child account, it has the advantage of being able to execute the transfer, reimbursement, and payment process very efficiently.

Here, the safe deposit bank account is divided into a government fund account and a private money account, but it is possible to separate and manage a plurality of private account accounts into a government money account and a private money account according to need. As shown in FIG. 3, it is possible to transfer funds to an executing agency or a payment customer through an interlocking with the RCMS account by opening a dedicated account account composed of a plurality of government funds accounts and a plurality of private funds accounts.

Hereinafter, the operation of the present invention will be described in detail with reference to the accompanying drawings.

4 is a flow chart for explaining main procedures of the present invention. First, the research funds are transferred to the bank account of the treasury. The funds are divided into government funds and private funds and transferred to the corresponding accounts, that is, government funds and private funds accounts. If necessary, the funds may be transferred from one bank account to the parent account, which is a number of dedicated agency accounts separated into government funds and private funds accounts.

Thereafter, in step S401, when an assignment agreement is made from the task performing agency, the accounts are linked so as to execute the business expenses. Of course, prior to the agreement, the project proposal and the selection evaluation are preceded, and the organization selected as the task performing agency conducts the project agreement by reflecting the selection evaluation review opinion. For example, an agreement on the issue could be proceeded in the form of an electronic agreement at the Korea Industrial Technology Evaluation and Management Service. This is carried out by the contract handling terminal 221 of the dedicated-person-organization server 220.

In step S403, the performing agency server 240 registers a data file for use of the research fund using the self accounting program, and transmits the transfer execution text to the performing institution bank when the research fund settlement is requested.

Accordingly, the data file is automatically registered in the RCMS server 200, and the bank of the performing institution transmits the transfer execution message to the RCMS server 200. [ If necessary, the performing agency server 240 provides the electronic proof sheet to the RCMS server 200 according to the execution of the business expense.

The RCMS server 200 judges whether the data file provided from the performing agency server 240 is identical with the exchange execution specialty and judges suitability of the business expense execution. Accordingly, when the business expenses are executed, the RCMS server 200 can facilitate the simplification of the document management by registering or uploading the supporting documents provided when the business expenses are executed. Upload within 20 days.

If there is no problem in judging the suitability of the document registration and the business expense enforcement, the RCMS server 200 transfers funds of the safe bank account to the parent account, transfers money of the parent account to the account of the account of the performing agency, . That is, the executing agency does not directly request the fund transfer to the RCMS server 200, but transfers the transfer file to the bank of the executing agency in addition to the data file registration for the funding of research, .

In step S405, the business expense settlement is performed. The RCMS server 200 determines whether the data file provided from the executing agency and the transfer execution specialty are the same, and also provides the supporting document for the use of the research expense. Based on such data, the RCMS server 200 automatically generates an online business performance report. In this way, since the account settlement of the business expenses is carried out from the account of the same bank, the efficiency of the settlement of the business expenses and the quick payment or suspension of the payment can be made.

In addition, the RCMS server 200 monitors the result of the settlement based on the settlement of the business expenses, and determines whether the business expenses corresponding to the settlement of the business expenses are normally used or unauthorized as in step S407. The server 230 of the entrusted accounting corporation entrusted by the exclusive agency performs the on-line audit of the accounting audit and the research on the basis of the settlement of the business expense, and the electronic proof of the electronic tax invoice, the card purchase document, the receipt, .

On the other hand, if it is determined that the business expense is normally used from the electronic evidence data, the RCMS server 200 terminates the business expense management in step S411, whereas if the business expense is not normally used or the electronic evidence data is insufficient, And requests the corresponding performing agency server 240 to return the payment amount. Of course, including the appeal process to the executing agency, the reimbursement of the business expense settlement can be made.

200: RCMS server 220: dedicated agency server
221: Convention terminal 223: Task terminal
225: settlement charge terminal 230: consignment accounting corporation server
231: Account settlement terminal 240: Performing agency server
250: IRS server

Claims (12)

A system for transferring funds for the operation and management of research funds,
In order to carry out the research expenses deposited in the account of the dedicated institution divided into the government fund account and the private fund account, the system is connected to the accounting program of the executing agency server to receive the data file according to the registration of the research fund utilization and the transfer execution proposal for requesting the research fund, And an RCMS server for confirming the identity of the data file and transfer execution specialty, instructing the transfer of the research funds from the dedicated institution account to the corresponding account account via the performing institution account, and generating the research expense report for settlement of the research fee,
Wherein the dedicated institution account includes at least one bank account that is set and distributed for each research item in addition to a safe bank account made up of one government finance account and one private finance account,
Wherein the account transfer of the RCMS server is a four-way transfer in such a manner that the account transfer is automatically transferred from the safe deposit bank account to the corresponding account account through the parent account and the account of the performing institution account, Lt; / RTI >
The parent account of the research fund and the sequential passage of the child account are automatically transferred from the parent account to the child account through the authorized certificate of the performing agency registered in the RCMS server,
If the research fund transfer from the above-mentioned account to the corresponding account is unsuccessful, the research fund is refunded back to the above-mentioned safe bank account,
The RCMS server registers the use of research funds, conducts the use of research funds, inquires about the results of use, requests the cancellation or reduction of research funds through surveillance of the results of the research during project execution, Wherein the real-time funding system comprises: delete delete The method according to claim 1,
The dedicated institution server managing the dedicated institution account is linked to a consignment accounting corporation server so that accounting for the research expenses settlement for each research item is performed;
Wherein the commissioning accounting corporation server accesses the RCMS server and checks the supporting documents for the use of research expenses of the executing agency on-line. 5. The method of claim 4,
Wherein the dedicated server comprises a contract handling terminal for making an agreement with the RCMS server;
Assignment task terminal for project management; And
And a settlement charge terminal for performing settlement management supervision based on the payment of the research fund. The method according to claim 1,
Wherein the accounting program is an ERP-Enterprise Resource Planning and an MIS-Management Information System. The method according to claim 1,
Wherein the performing agency server uses a secured financial network in transmitting the transfer execution statement to the corresponding bank;
Wherein the RCMS server also uses a secured private network (VAN) for all bank transactions. 8. The method of claim 7,
The RCMS server is capable of inquiring a real name of a depositor who confirms account holder information of an account to be transferred through the private network (VAN)
And confirming whether or not the business number of the account of the corresponding account confirmed through the account name real name inquiry is matched with the business number of the business entity described in the supporting document for the use of the research fund by the executing agency. 9. The method of claim 8,
Wherein the RCMS server is associated with an IRS server that provides an abortive service inquiry function capable of confirming whether the customer is in a closure state or a closed state through the corresponding business entity number. delete The method according to claim 1,
The real-world survey for performing the task is based on the task monitoring algorithm of the RCMS server, which determines the overlap of the tasks, the error of the task execution cost, or the like, The system for transferring money for. 12. The method of claim 11,
The commissioned accounting corporation server performs commission settlement according to the end use history of the research expense and the payment history, and provides the result to the RCMS server. Thus, the dedicated institution server that manages the dedicated institution account is settled And the result of the inquiry is inquired.

Images