KR101503459B1 - Method and apparatus for cost management service for cooperation project - Google Patents

Abstract

The present invention relates to a method for a bank to provide a cost brokerage service.
A method proposed by the present invention for a bank to operate a task non-mediation server is a method in which a task non-mediation server receives firm banking withdrawal agreement information about a task non-account from a partner organization , The cooperative organ receives the withdrawal history of the amount withdrawn from the non-project account in real time and retrieves the balance from the non-project account through the firm banking when the fraudulent use state of the withdrawal history is activated based on the withdrawal history.

Description

[0001] The present invention relates to a non-mediation service method and a non-mediation service for a bank,

The present invention relates to a method for a bank to provide a cost brokerage service.

The specialized agency assigns the cooperative task to the partner organization, and the cooperative task contract between the specialized agency and the partner organization is concluded so that the partner organization can provide the task result to the specialized agency. The specialized agency can pay the costs to the partner organizations for the tasks to be carried out by the partner organizations.

Generally, a long-term cooperation project requires a high level of project cost, so a close relationship of trust between the specialized institution and the cooperating organization is needed. In addition, the specialized agency wants to monitor the expenditure situation of the partner organization, but it requires additional manpower for long-term monitoring and it is very difficult to collect the project fee already paid to the partner organization even if monitoring is possible.

The present invention can be applied to a case where a bank is charged with a fraudulent intention while monitoring the usage history of a task fee in real time by using a task non-account, When the usage details are detected, the balance of the task is recovered from the non-task account.

A method for a bank to operate a task task non-mediation server according to an embodiment of the present invention is characterized in that the task task non-mediation server transmits a work task fee paid to the partner agency from the expert agency Authenticating a task non-account opened to deposit / withdraw money; Receiving the firm banking payment withdrawing agreement information indicating that the task non-mediation server agrees to withdraw the firm banking of the task non-account from the cooperative institution; The task non-mediation server receiving, in real time, a withdrawal record of the amount withdrawn from the task non-account by the cooperative agency; And recovering the balance from the task non-account through the firm banking when the task non-mediation server activates the fraudulent use state of the withdrawal history based on the withdrawal history received in the real time.

The step of real-time receiving of the withdrawal history according to an exemplary embodiment may include sending a financial transaction including the deposit and withdrawal history of the account to the specialist institution when the withdrawal payment details occur in the task non-account.

The real-time receiving step of the withdrawal history according to an exemplary embodiment may include a financial transaction specialist sending a credit card company of the credit card to include the settlement record when the payment details are generated by using the credit card associated with the non-assignment account And receiving the data.

The step of receiving the firm banking outgoing payment consent information according to an exemplary embodiment includes receiving the firm banking outgoing payment agreement information input by the cooperative institution through a web user interface provided in the web service operated by the task non- .

A method for operating a banking task non-mediation server according to another embodiment of the present invention is characterized in that the task non-mediation server transmits a task fee paid to the cooperation institution from the specialized agency for performing the task between the specialized agency and the cooperation agency Authenticating the task non-account opened to perform the task; Receiving the firm banking payment withdrawing agreement information indicating that the task non-mediation server agrees to withdraw the firm banking of the task non-account from the cooperative institution; And when the task non-mediation server receives the end report information of the task from the cooperative agency and receives the end approval information of the task from the professional agency, it collects the balance from the non-task account through the filmak banking withdrawal .

The balance recovery step according to another embodiment is characterized in that the task non-mediation server receives the end report information of the task inputted by the cooperation agency through the Web user interface, When the approval information is received, the termination confirmation state of the above-mentioned task can be activated.

The balance recovery step according to another embodiment is characterized in that the task non-mediation server receives the settlement completion report information of the task ratio inputted by the cooperation agency through the Web user interface, Activating a settlement completion state of the task ratio when receiving further the settlement completion approval information of the ratio; And collecting the balance from the task non-account through the filmak banking withdrawal when the termination commitment state of the task and the settlement completion state of the task ratio are activated.

The task non-mediation server operated by the bank according to the embodiment of the present invention is a task non-mediation server that is operated by a bank to perform a task between a specialized institution and a cooperative institution, An account confirmation unit for receiving from the partner organization the firm banking payment withdrawing agreement information indicating that the user agrees to withdraw the firm banking deposit of the task non-account; An account monitoring unit for receiving the withdrawal history of the amount withdrawn from the task non-account in real time and activating or deactivating the fraudulent use status of the withdrawal history based on the withdrawal history received in real time; And an account collection processor for collecting the balance from the non-account account through the firm banking based on the activated fraud state and determining whether to withdraw the fraud state.

The task task non-mediation server of the bank according to another embodiment of the present invention authenticates the task task non-account opened to deposit / withdraw a task fee to be paid to the cooperation agency from the specialized agency for performing task between the specialized agency and the cooperation agency An account checking unit for receiving firm banking payment withdrawing consent information indicating that the user agrees to withdraw the firm banking deposit of the task non-account from the cooperative institution; And an account collection processing unit for receiving the completion report information of the assignment from the partner organization and receiving the end approval information of the assignment from the expert institution, the account collection processing unit collecting the balance from the non-assignment account through the filmak banking withdrawal do.

The banking task non-mediation server according to an embodiment is used in a case where the partner agency uses or overuses the task ratio or monitors the task non-account in real time, and when the suspected fraud is suspected, In addition, it is possible to prevent the opportunity for non-use in the future. In addition, the banking task non-mediation server can prevent the intention of the cooperating organization to deliberately return the task fee or delay the return of the task fee after the task of the cooperating organization is completed and the settlement of the task fee is completed.

Therefore, the specialized agency can entrust the monitoring task to the bank and prevent the risk of illegal use, so that the trust relationship between the specialized agency and the partner agency can be further strengthened.

The bank that provides the task non-intermediation service can obtain a large amount of deposit customers because it uses the separately opened lot account to deposit the task fee between the specialized institution and the partner institution.

FIG. 1 illustrates a block diagram of a bank assignment non-mediation server according to an embodiment.
FIG. 2 illustrates a flow diagram of a method for a bank assignment non-mediation server to return a task fee according to an embodiment.
3 shows a flow diagram of a method by which a bank assignment non-mediation server recovers a task fee according to another embodiment.
4 is a flowchart illustrating a method of real-time monitoring of a withdrawal history of a non-task account by the bank task non-mediation server according to an embodiment.
FIG. 5 is a flowchart illustrating a method for a bank task non-mediation server according to an exemplary embodiment of the present invention.

Hereinafter, referring to FIGS. 1 to 5, the banking task non-mediation server and the banking task non-mediation server according to an exemplary embodiment of the present invention will be described in detail.

FIG. 1 illustrates a block diagram of a bank assignment non-mediation server 100 according to an embodiment.

The bank task non-mediation server 100 according to an exemplary embodiment includes an account checking unit 110, an account monitoring unit 120, and an account collection processing unit 130.

The banking task non-mediation server 100 according to an exemplary embodiment may communicate with the professional institution 180 and the collaborating organization 190 via the data communication network 150. A network according to an exemplary embodiment includes an open Internet, a wired Internet network including a closed intranet, a wireless Internet network interworking with a mobile communication network, a TCP (Transmission Control Protocol) / IP (Internet Protocol) And possible communication means such as a computer network capable of various data communication including data communication based on the same protocol.

The banking task non-mediation server 100 according to an embodiment of the present invention is a system in which a banking task non-mediation server 100 according to an exemplary embodiment of the present invention executes a banking task non- The task ratio paid by the service provider 180 may be entrusted to the management task and the task agency agent 180 may be provided with task task mediation service. For example, the task of collaboration between the specialized agency (180) and the collaborating agency (190) may include research projects of the school institution, industry-academy institution, and research institute.

The account checking unit 110 according to an embodiment can authenticate a task non-account opened separately in order to deposit / withdraw a task fee paid to the cooperation institution 190 from the professional institution 180. When receiving the task non-account information input by the research institute, the account verification unit 110 can authenticate the task non-account by checking whether the corresponding bank account exists in the bank's account database. The account checking unit 110 according to the embodiment can receive the firm banking payment withdrawing consent information from the cooperative institution 190 indicating that the user agrees to withdraw the firm banking deposit of the non-assignment account.

The account monitoring unit 120 according to the embodiment can receive the withdrawal history of the amount withdrawn from the task non-account by the cooperative institution 190 in real time. The account monitoring unit 120 may monitor the withdrawal history received in real time to activate or deactivate the fraudulent use state of the withdrawal history.

The account withdrawal processing unit 130 according to the embodiment can recover the balance from the non-task account through the firm banking if the fraudulent use state is activated.

In addition, the account withdrawal processing unit 130 according to an embodiment may receive a fraudulent withdrawal request from the cooperative institution 190. [ The account withdrawal processing unit 130 may determine whether to withdraw the fraudulent use state based on the fraudulent withdrawal request of the cooperative institution 190. [ If fraudulent use is withdrawn, the balance of the task can be re-credited back to the non-account.

The bank task non-mediation server 100 according to one embodiment may include a central processor (not shown) for collectively controlling the account checking unit 110, the account monitoring unit 120, and the account collection processing unit 130 have. Alternatively, the bank checking non-mediation server 100 may be operated as a whole because the account checking unit 110, the account monitoring unit 120, and the account collection processing unit 130 operate mutually. Alternatively, the account checking unit 110, the account monitoring unit 120, and the account collection processing unit 130 may be controlled under the control of an external processor (not shown) of the bank assignment non-mediation server 100 according to an embodiment It is possible.

A data storage unit (not shown) for storing input / output data generated in the process of performing the task non-mediation by the account checking unit 110, the account monitoring unit 120, and the account withdrawal processing unit 130 according to an embodiment, May be included. The bank assignment non-mediation server 100 may include a memory control unit (not shown) for controlling data input / output of a data storage unit (not shown).

The bank task non-mediation server 100 according to an embodiment includes a task non-mediation processing module 100, which includes not only a separate processor in which the task non-mediation process is implemented in a circuit, but also a central non- May also be included.

Hereinafter, the case in which the bank assignment non-mediation server 100 recovers the assignment fee will be described in detail with reference to FIGS.

FIG. 2 shows a flow diagram of a method by which the bank assignment non-mediation server 100 recovers an assignment fee according to an embodiment.

In step 210, the account checking unit 110 according to an embodiment receives cooperation from the specialized agency 180 in order to provide a mediation service for the task ratio according to the assignment agreement between the specialized agency 180 and the partner agency 190 It is possible to authenticate whether or not a task non-account for depositing and withdrawing the task fee to be paid to the institution 190 is opened in the bank account of the bank task non-mediation server 100.

In step 220, the account checking unit 110 according to an embodiment can receive from the cooperation institution 190 the firm banking payment withdrawing consent information indicating that the user agrees to withdraw the firm banking deposit of the non-assignment account.

The banking task non-mediation server 100 according to one embodiment may operate a web service providing a web user interface for processing a task assignment non-mediation process between the specialized institution 180 and the collaborating organization 190. The specialized institution 180 and the collaborating organization 190 can confirm the operation status of the task task ratio through the web user interface and are able to check the operation status of the task agency 180, (100).

Accordingly, the banking task non-mediation server 100 can display that the task non-mediation management of the specialized institution 180 and the cooperative institution 190 is started through the web user interface of the web service for brokering the task non-account. The banking task non-mediation server 100 receives the task non-account information from the collaborating organization 190 via the Web user interface and confirms whether the entered account information exists in the corresponding bank account database, You can certify that the project is a non-account.

In addition, the account checking unit 110 according to an exemplary embodiment may request the partner organization 190 to confirm whether or not the user intends to withdraw the bank through the web user interface. For example, the web user interface may include a firm banking withdrawal consent item, and the cooperating institution 190 may check the firm banking withdrawal consent entry on the web user interface. Accordingly, the account checking unit 110 can receive the firm banking payment withdrawing consent information from the cooperation institution 190 through the web user interface. Therefore, the bank transaction non-mediation server 100 can activate the firm banking withdrawal agreement state.

In step 230, the account monitoring unit 120 according to the embodiment can receive, in real time, the withdrawal history of the amount withdrawn from the task non-account by the cooperative institution 190. [ The account monitoring unit 120 monitors the withdrawal history received in real time and activates or deactivates the fraudulent use state of the withdrawal history based on the monitoring result.

The collaborating organization 190 according to one embodiment can use the task ratio by paying the task ratio using the credit card associated with the task non-account. The account monitoring unit 120 according to an exemplary embodiment of the present invention monitors the amount of money to be paid out from the non-account account when the payment details are generated by using the credit card associated with the account, A specialist can be received. Also, the account monitoring unit 120 may receive a financial transaction specialist credit card company informing the repayment amount on the repayment date of the card payment.

For example, an SMS text service may be used in a financial transaction specialized manner. The account monitoring unit 120 according to an exemplary embodiment may transmit the financial transaction text received from the credit card company to the professional institution 180 in real time.

Also, the account monitoring unit 120 can receive a financial transaction special dispatch request for requesting a dispatch service of a financial transaction specialization including input / output details of the task non-account through the web user interface from the research institution 190 . Accordingly, the account monitoring unit 120 monitors the financial transactions including the input / output details of the non-account accounts in real time every time a change occurs in the input / output history in the non-account account due to the use of the account fee by the partner institution 190, (180).

It can be judged whether or not the withdrawal history of the credit card payment amount is illegally used based on the financial transaction special including the details of the credit card withdrawal and the financial transaction detail including the withdrawal details of the non-account account. Accordingly, if fraudulent use of the withdrawal history is suspected based on the financial transaction text received by the account monitoring unit 120 into the state, the fraudulent use state can be activated.

In step 240, the account withdrawal processing unit 130 according to the embodiment can recover the balance from the non-task account through the firm banking as the fraudulent use state is activated.

The financial transaction specialist informing the cooperative institution 190 that the task unfair use status is displayed on the Web user interface or that the balance of the task unearned has been collected according to the activation of the unauthorized use status from the bank task non-mediation server 100 . The account withdrawal processing unit 130 according to an embodiment can receive a fraudulent use withdrawal request from the cooperating organization 190 through the web user interface.

In addition, the account collection processing unit 130 according to an embodiment can determine whether or not the fraudulent use state is withdrawn based on a fraudulent withdrawal request of the cooperative institution 190. [ When the withdrawal request received from the cooperating organization 190 is accepted, the account withdrawal processing unit 130 can cancel the activated state of the fraudulent state and deposit the recovered balance back into the task non-account.

However, if the withdrawal request received from the cooperating organization 190 is not accepted, the account withdrawal processing unit 130 maintains the fraudulent use state and notifies the specialized institution 180 of the task non-use of the cooperative institution 190 The unauthorized use state information may be transmitted.

If there is no withdrawal request from the collaborating organization 190 within a predetermined period of time after withdrawing the balance from the task non-account, or if there is a withdrawal request but the withdrawal request is not accepted, the account withdrawal processing unit 130 transmits, The forced termination information of the task can be received from the specialized institution 190 through the user interface. The account collection processing unit 130 can deposit the collected balance into the account of the specialized agency.

FIG. 3 shows a flow diagram of a method by which the bank assignment non-mediation server 100 recovers an assignment fee according to another embodiment.

The account checking unit 110 according to another embodiment is provided with a task non-account (not shown) for depositing / withdrawing a task fee to be paid from the specialized institution 180 to the cooperative institution 190 via the Web user interface from the cooperative institution 190 Information can be input. The account checking unit 110 authenticates whether the account corresponding to the account information input from the cooperation institution 190 is a task non-account stored in the corresponding bank account database (step 310). The account checking unit 110 according to another embodiment may receive the firm banking payment agreement information from the partner organization 190 via the web user interface (step 320).

In step 330, the account collection processing unit 130 according to another embodiment can receive the termination information of the task from the specialized institution 180 and the cooperative institution 190. Accordingly, the account collection processing unit 130 can collect the balance from the non-assignment account through the filmak banking withdrawal.

The web user interface according to one embodiment may include a cooperative task end report item of the cooperative institution 190, a cooperative task end approval item of the specialized agency 180, and the like. Therefore, if the cooperative task termination report item or cooperative task end approval item on the Web user interface is checked by the collaborating organization 190 or the specialized agency 180, the termination reporting status or termination approval status can be activated.

For example, the account collection processing unit 130 can receive the end report information of the task inputted by the collaborating organization 190 via the web user interface. Accordingly, end approval information of the task inputted by the specialized agency 180 through the web user interface can be received. The account withdrawal processing unit 130 can activate the termination determination status of the task when both the task termination report information of the cooperation institution 190 and the task termination approval information of the specialized institution 180 are received.

In addition, the account collection processing unit 130 can receive the settlement completion report information of the task ratio inputted by the collaborating organization 190 via the web user interface. Accordingly, settlement completion approval information of the task ratio inputted by the specialized institution 180 through the web user interface can be received.

The account withdrawal processing unit 130 can activate the task non-settlement completion confirmation state when both the task non-settlement completion report information of the cooperation institution 190 and the task non-settlement completion approval information of the specialized institution 180 are received have.

The account withdrawal processing unit 130 can collect all of the task surplus amount from the task non-account as the termination determination state of the task and the task non-settlement completion determination state become active. The balance of the collected work can be deposited into the account of the specialized institution 180.

In FIGS. 4 and 5, a case in which a dedicated organization concludes a research project cooperation contract between a dedicated institution and a research institute, and the dedicated institution supports the research institute with the project fee will be described. In the embodiment of the bank assignment non-mediation server 100 according to the embodiment described with reference to Figs. 1 to 3, the specialized institution 180 corresponds to a dedicated institution, and the cooperative institution 190 corresponds to a research institute have.

FIG. 4 is a flowchart illustrating a method of real-time monitoring of a withdrawal history of a non-task account by the bank task non-mediation server 100 according to an embodiment.

In step 410, when an agreement is established between a dedicated institution and a research institute to support a research project and perform a task, the bank assignment non-mediation server 100 may provide a research mediation service to a dedicated institution and a research institute. The banking task non-mediation server 100 operates the web service for the research fund intermediation service, and can display the operation status of the research fund to the dedicated institution and the research institute through the web user interface. In addition, the bank task non-mediation server 100 may receive a request to activate or cancel the support start, stop, or end state of the research fund according to the task execution state through the web user interface.

The banking task non-mediation server 100 can authenticate a task non-account opened from the corresponding bank account database to deposit and pay the research fund to be paid to the research institute for the research fund intermediation service. In step 420, the banking task non-mediation server 100 may receive firm banking withdrawal agreement information for the task non-account from the research institute. The web user interface according to an exemplary embodiment may include a firm banking withdrawal agreement item for the task non-account, and a firm banking withdrawal agreement item indicating that the firm banking withdrawal agreement has been confirmed. Accordingly, if the firm banking withdrawal consent item on the web user interface is checked by the research institution and the firm banking withdrawal agreement information is received, the banking task non-mediation server 100 can activate the firm banking withdrawal consent status of the task non-account have.

The research fund can be deposited into the non-funded account from the dedicated institution in step 430. Dedicated agencies may pay research funds in advance of the research institute. The total research expenses that can be used by the research institute for the performance of the project from the start to the end of the research project for a predetermined period can be deposited into the non-project account. However, in some cases, the Delegate may divide and pay periodically to the research institute a portion of the research fund for the research project for some period of the entire research period.

The research expenses can be paid by credit card so that the usage details of the card payment amount can be confirmed transparently. Therefore, the research institute may be provided with a credit card for withdrawing the card settlement amount from the non-assignment account.

In step 440, the research fee may be used in accordance with the activity carried out by the research institute. Each time the research institute borrows a research fee with a credit card, the banking task non-mediation server 100 can receive a financial transaction including credit card usage details from a credit card company. Also, the research fee paid by the credit card can be withdrawn from the non-assignment account at the date of payment on which the credit card payment for the predetermined period is paid. After the credit card payment has been paid, a credit card company may be sent a financial transaction notice informing that the credit card payment has been withdrawn from the non-account account. Accordingly, the banking task non-mediation server 100 receives the financial transaction specialist, and the research fee use history and the withdrawal history due to the use of the credit card can be confirmed by the financial transaction specialist. The banking task non-mediation server 100 may transmit the financial transaction text received from the credit card company server to the dedicated agency in real time.

Also, the banking task non-mediation server 100 can transmit the financial transaction special including the account input / output details to the dedicated institution in real time whenever the balance of the task non-account is changed. The research institute can check the financial service specialist dispatch service application items including the account input / output details on the web user interface. When the research institute requests the dispatch service of the specialized financial transaction after confirming the identity through the authorized certificate, the bank assignment non-mediation server 100 transmits the financial transaction special including the account input / output details to the specialized institution and the research institute It is possible.

In step 450, it is possible to review whether the execution of the research fund by the research institute itself is appropriate by using the financial transaction special including the research fund withdrawal history. In other words, it can be verified that the research institute is qualified to administer the research fund for the research project. If the appropriateness of the execution of the research fee is suspected, the research project agreement may be re-examined between the designated institution and the research institute by returning to Step 410.

In step 450, once the qualification of the research institute is recognized, it can be examined whether the research expense used in step 440 has been misused (step 460). Since the financial transaction specialist including the withdrawal details of the task non-account according to the credit card settlement amount is received through the bank task non-mediation server 100, it is possible to determine whether the research fee is unfairly executed using the SMS message, And whether or not the research fund has been illegally used.

If the illegal use state of the research fund is not activated by the bank assignment non-mediation server 100, the research institute can continuously perform the research project and use the research fund (Step 465).

However, when the bank task non-mediation server 100 according to the embodiment receives an instruction to activate the research fund misconduct status due to suspicion of fraudulent use of the research fund, it activates the research fund misconduct status on the web user interface, The remaining amount of the task can be fully recovered from the non-task account through the firm banking (step 470).

The banking task non-mediation server 100 may report the result of the refund processing of the non-issue amount to the dedicated agency. For example, a financial transaction may be sent to the manager of a dedicated or dedicated entity informing the result of the refund of the non-account balance (step 475).

If the research institute is notified from the bank task non-mediation server 100 that the research fund misconduct status has been activated or that the research fund misconduct status has been activated through the Web user interface, the research institute sends the bank non- A withdrawal request may be sent. For example, the research institute may submit the petition data for requesting revocation of the fraudulent state to the banking task non-mediation server 100 (step 480).

Accordingly, in step 480, if the research institute has submitted the vocation document, the reimbursement amount can be transferred to the non-assignment account (step 490). Accordingly, the research institute can perform the research project and pay the research expenses again with the credit card (step 465).

However, in step 480, if the research institute does not submit the job description data or the allegations of illegitimate use of the research funds are not solved by the submitted job description data, the research fee fraud state can be maintained on the bank assignment non-mediation server 100 . Accordingly, the research task between the dedicated institution and the research institute can be forcibly terminated, and the research task termination state can be activated on the bank task non-mediation server 100. When the termination status of the research project is activated and the termination is confirmed, the balance of the project that has been returned in step 470 may be returned to the account of the dedicated institution.

Accordingly, the banking task non-mediation server 100 can immediately return the non-reimbursement amount of the task if the research institute confirms that the research fund is used with excessive intention or excessive use, .

FIG. 5 shows a flowchart of a method for the bank task non-mediation server 100 according to an embodiment to retrieve a work non-balance after the completion of an assignment.

In step 510, the bank task non-mediation server 100 may provide research fund intermediation services to the dedicated institution and the research institute based on the research project agreement concluded between the dedicated institution and the research institute.

The banking task non-mediation server 100 authenticates the task non-account information established for the research fund mediation service in the corresponding bank account database and receives the firm banking withdrawal agreement information from the research institute on the non-task account (step 520 ). If the firm banking withdrawal agreement information is received from the research institute through the web user interface according to the embodiment, the firm banking withdrawal agreement state of the task non-account can be activated in the banking task non-mediation server 100. A credit card may be paid to the research institute in connection with the project non-account, in which the card payment is withdrawn from the non-project account.

In step 530, research funding may be deposited from a dedicated institution into the non-funded account. In step 540, the research fee may be used in accordance with the research activity carried out by the research institute. After the payment of the credit card payment, the credit card company may send out a financial transaction message informing the withdrawal details of the card payment amount.

In step 550, the research project is terminated in step 540 and it is checked whether the settlement of the research fund has been completed (step 460). The banking task non-mediation server 100 receives the task end report information from the research institute through the web user interface and accordingly receives the end approval information from the dedicated agency, can do.

However, if it is not confirmed that the research project has been completed by the dedicated institution and the research institute through the web user interface but the settlement of the research fund has already been completed, the bank project non-mediation server 100 requests the dedicated institution and the research institute for settlement, Finally, the settlement can be completed (step 570).

The banking task non-mediation server 100 receives the settlement completion report information from the research institute through the web user interface, and when receiving the settlement completion approval information from the dedicated institution, the banking task non-mediation server 100 activates the settlement completion status indicating that the research fee settlement is completed can do.

If it is confirmed that the settlement of research expenses has been completed as the research project is terminated by the dedicated institution and the research institute through the web user interface according to the embodiment, the bank task non-mediation server 100 activates the task completion and settlement completion state , The balance of the task can be recovered from the non-task account through the firm banking (step 560).

In step 560, after the task completion and settlement completion state is activated, the non-remaining balance of the task can be returned to the account of the dedicated institution.

Accordingly, according to the bank assignment non-mediation server 100, the intention of the research institute to deliberately not return the research funds or to delay the return of the research funds after the completion of the research projects and the settlement of the research expenses can be prevented in advance.

As described above, referring to FIGS. 4 to 5, the mediation server 100 for mediating and managing the research funds for the research projects concluded between the dedicated institution and the research institute has been disclosed. However, such a cost mediation service is not limited to the research funds for the research project Do not. For example, the mediating server 100 according to the embodiment may be configured such that, even if the costs are paid for the contracts for providing various goods or services, the costs are used illegally during the contract period, You can manage the cost of brokering so that you can.

The block diagrams disclosed herein may be construed to those skilled in the art to conceptually represent circuitry for implementing the principles of the present invention. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments of the present invention can be realized in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " processor "or" control unit "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor May implicitly include memory (ROM), random access memory (RAM), and non-volatile storage.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to " one embodiment " of the principles of the invention and various modifications of such expression in connection with this embodiment means that a particular feature, structure, characteristic or the like is included in at least one embodiment of the principles of the invention it means. Thus, the appearances of the phrase " in one embodiment " and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

The present invention has been described with reference to the preferred embodiments.

It is to be understood that all embodiments and conditional statements disclosed herein are intended to assist the reader in understanding the principles and concepts of the present invention to those skilled in the art, It will be understood that the invention may be embodied in various other forms without departing from the spirit or essential characteristics thereof. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (16)

In a method for a bank to operate a task non-mediation server,
Wherein the task non-mediation server authenticates a task non-account opened to deposit / withdraw a task fee to be paid to the cooperation agency from the professional agency for performing a task between the professional agency and the cooperation agency;
Receiving the firm banking payment withdrawing agreement information indicating that the task non-mediation server agrees to withdraw the firm banking of the task non-account from the cooperative institution;
Wherein the task non-mediating server transmits a financial transaction special including the withdrawal history from the non-task account, which is generated in correspondence with a credit card payment amount generated by using the credit card associated with the task non-account, ; And
When the task non-mediation server activates the fraudulent use state of the withdrawal history based on the credit card payment amount based on the financial transaction received in real time, the balance is recovered from the non-task account through the firm banking ≪ / RTI >
The financial transaction special includes SMS (Short Message Service) text service received from a credit card company associated with the credit card,
Wherein the task non-mediation server determines whether the payment amount is larger than the first reference amount or the time when the payment amount is used is out of a first reference range using the SMS message How to operate a non-mediation server. The method according to claim 1, wherein the step of real-
And when the deposit / withdrawal details occur in the non-account of the task, sending the financial transaction including the deposit / withdrawal details of the account to the specialist institution. delete The method according to claim 1, wherein the step of receiving the firm banking-
And receiving the firm banking payment withdrawal agreement information input by the cooperating organization through a web user interface provided in the web service operated by the task non-mediation server. 5. The method of claim 4, wherein the task non-
Receiving, by the task non-mediation server, a withdrawal request of the partner organization from the fraudulent use state via the Web user interface within a predetermined period after the balance is collected from the task non-account;
Wherein when the received withdrawn request is accepted, the task non-mediation server deactivates the fraud state and deposits the withdrawn balance back to the task non-account; And
Further comprising the step of, when the received withdrawn request is not accepted, maintaining the fraudulent use state of the task non-mediation server in an activated state and transmitting the fraudulent use state to the specialist agency How to operate a non - mediation server. 5. The method of claim 4, wherein the task non-
Wherein when the task non-mediation server receives the withdrawal request of the illegal use state from the cooperative institution within a predetermined period after the balance is collected from the task non-account, Receiving forced termination information; And
Wherein the task non-mediation server further comprises the step of depositing the recovered balance to the account of the specialist institution. In a method for a bank to operate a task non-mediation server,
Wherein the task non-mediation server authenticates a task non-account opened to deposit / withdraw a task fee to be paid to the cooperation agency from the professional agency for performing a task between the professional agency and the cooperation agency;
Receiving the firm banking payment withdrawing agreement information indicating that the task non-mediation server agrees to withdraw the firm banking of the task non-account from the cooperative institution;
Wherein the task non-mediating server transmits a financial transaction special including the withdrawal history from the non-task account, which is generated in correspondence with a credit card payment amount generated by using the credit card associated with the task non-account, Monitoring the fraudulent use state of the withdrawal history according to a payment amount of the credit card based on the financial transaction specialist; And
Wherein when the task non-mediation server receives the end report information of the task from the partner agency and receives the end approval information of the task from the professional agency, the balance is collected from the task non-account through the filmak banking withdrawal ≪ / RTI >
The financial transaction special includes an SMS text service received from a credit card company associated with the credit card,
Wherein the task non-mediation server determines whether the payment amount is larger than the first reference amount or the time when the payment amount is used is out of a first reference range using the SMS message How to operate a non-mediation server. 8. The method of claim 7, wherein the step of receiving the firm banking payment withdrawal agreement information comprises:
And receiving the firm banking payment withdrawal agreement information input by the cooperating organization through a web user interface provided in the web service operated by the task non-mediation server. 9. The method according to claim 8,
Wherein the task non-mediation server receives the end report information of the task inputted by the cooperation agency through the web user interface and receives the end approval information of the task inputted by the expert institution, And activating the determined state of the bank. 10. The method according to claim 9,
When the task non-mediation server receives the settlement completion report information of the task ratio inputted by the cooperation agency through the web user interface and further receives the settlement completion approval information of the task ratio inputted by the expert institution Activating a settlement completion state of the task ratio; And
And collecting the balance from the non-account account through the filmak banking withdrawal when the settlement determination status of the task and the settlement settlement determination status of the task ratio are activated. Way. A task non-mediation server operated by a bank,
A worker who authenticates the task non-account opened to deposit / withdraw a task fee to be paid to the cooperating organization from the specialized agency to perform the task between the specialized agency and the cooperating organization, An account checking unit for receiving banking withdrawal agreement information from the partner organization;
Wherein the cooperative organization receives in real time a financial transaction message including a withdrawal record from the non-account account, which is generated in correspondence with a credit card payment amount generated using the credit card associated with the non-issue account, An account monitoring unit for activating or deactivating the fraudulent use state of the withdrawal history according to the credit card payment amount based on the received financial transaction telegraphy; And
And an account collection processing unit for collecting the balance from the non-task account through the firm banking based on the activated fraud state and determining whether to withdraw the fraud state,
The financial transaction special includes an SMS text service received from a credit card company associated with the credit card,
Wherein the account monitoring unit determines whether the payment amount is larger than the first reference amount or the execution time when the payment amount is used is out of the first reference range using the SMS message Non-mediation server. 12. The system according to claim 11,
Wherein when the deposit / withdrawal details are generated in the non-account of the task, the specialist agency sends out a financial transaction including the deposit / withdrawal details of the account. delete 12. The system according to claim 11,
Wherein the provider banking server receives the firm banking payment withdrawal agreement information input by the cooperation agency through a web user interface provided in a web service operated by the task non-mediation server. In a task-non-mediation server of a bank,
A worker who authenticates the task non-account opened to deposit / withdraw a task fee to be paid to the cooperating organization from the specialized agency to perform the task between the specialized agency and the cooperating organization, An account checking unit for receiving banking withdrawal agreement information from the partner organization;
Wherein the cooperative organization receives in real time a financial transaction message including a withdrawal record from the non-account account, which is generated in correspondence with a credit card payment amount generated using the credit card associated with the non-issue account, An account monitoring unit for monitoring a fraudulent use state of the withdrawal history according to a payment amount of the credit card, And
And an account collection processing unit for receiving the end report information of the task from the partner organization and receiving the end approval information of the task from the expert institution, the account collection processing unit collecting the balance from the task non-account through the filmak banking withdrawal,
The financial transaction special includes an SMS text service received from a credit card company associated with the credit card,
Wherein the account monitoring unit determines whether the payment amount is larger than the first reference amount or when the payment amount is used is out of a first reference range using the SMS message, server. 16. The system of claim 15,
Wherein the provider banking server receives the firm banking payment withdrawal agreement information input by the cooperation agency through a web user interface provided in a web service operated by the task non-mediation server.

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