KR102043116B1

KR102043116B1 - Trust account management method and server performing the same

Info

Publication number: KR102043116B1
Application number: KR1020140149400A
Authority: KR
Inventors: 양일권
Original assignee: 주식회사 우리은행
Priority date: 2014-10-30
Filing date: 2014-10-30
Publication date: 2019-11-12
Also published as: KR20160053068A

Abstract

The trust account management method executed in the server of the financial company according to an embodiment of the present invention may include establishing a trust account in which the joint funds are deposited, and when the joint funds are deposited in the joint business account, Depositing and depositing the funds in the trust account and dividing the joint funds and depositing the deposits in the first contractor's account and the second contractor's account, respectively. Therefore, the present invention deposits the joint funds in the trust account of the construction costs paid by the client, settles the cost, divides the joint funds and deposits them in the accounts of the contractors, thereby making a trust contract in case of inadequate court management of the joint contractors. First of all, there is no limit on cost payment.

Description

TRUST ACCOUNT MANAGEMENT METHOD AND SERVER PERFORMING THE SAME}

Embodiments of the present invention relate to a trust account management method and a server of a financial institution executing the same.

Co-contract is a special form of contract in which two or more businesses share a contract and perform a contract under joint calculation. It is not compulsory to participate in joint contracting by contract method that is used in the business field that can be settled by sector after completion, such as construction work.

The advantages of co-contracting can distribute risks to each member, complement each member's qualifications and abilities, and prevent negative and illegal construction management that can occur when a single order is obtained.

In addition, small and medium-sized construction companies can get technology transfer opportunities from large companies. There are two types of co-contracts: co-implementation, divisional execution, main contractor management, and hybrid, and regional mandatory co-contracting.

In this joint contract, the leading contractor prepays the construction cost to the joint contractor during construction. Then, after the construction process, the client deposits the construction cost in each of the leading contractor's account and the joint business account according to the construction participation rate, and the leading contractor receives the construction cost prepaid to the co-worker in the joint business account.

For example, if the client pays 10 billion won in construction cost, construction company A pays construction cost 9 billion won to construction company B, and co-builder participation rate is 70%, B construction company: 30%, According to A deposit 7 billion in the account of the construction company and 3 billion in the joint business account. Construction company A will receive 2.7 billion won in the joint project account according to the participation rate, and construction company B will receive the remaining amount of 300 million won.

However, if a bad debt is incurred by the construction company B in connection with the client's construction work, the contractor is seized in the joint business account, and thus the construction company A cannot receive the construction cost of 2.7 billion won from the joint business account.

Korean Patent No. 10-0390158 relates to a bidding method using a cyber construction company on the Internet, and has established a cyber construction company that can operate on the cyber like a huge general construction company by combining companies in various fields as members. Later, a method for jointly participating in contracting to increase the probability of winning a bid is disclosed.

However, the cited invention discloses a method of bidding a joint contract, but does not disclose a method of processing a joint fund.

The present invention deposits the joint funds in the trust account of the construction costs paid by the client, settles the cost, divides the joint funds and deposits them in the leading contractor and the joint business account, so that when a failure occurs such as court management of the joint contractor, First of all, it is an object of the present invention to provide a trust account management method and a server of a financial institution that executes the same.

In addition, when the contract period of the trust account expires, the present invention acquires a portion of the amount deposited in the trust account as a fee or charges a fee to the co-contractor, resulting in a commission of the financial company and a profit or loss from attracting the trust account. It is an object of the present invention to provide a trust account management method and a server of a financial institution that executes the same.

The problem to be solved by the present invention is not limited to the problem (s) mentioned above, and other object (s) not mentioned will be clearly understood by those skilled in the art from the following description.

Among the embodiments, the trust account management method that is executed in the server of the financial institution is to open a trust account in which the joint funds are deposited, withdraw the joint funds when the joint funds of the construction costs paid by the client is deposited in the joint business account Depositing in a trust account and dividing the common funds and depositing them in each of the first contractor's account and the common business account.

In embodiments, a server of a financial institution may withdraw the joint funds and deposit them in the trust account when the joint funds are deposited in the joint business account among the construction expenses paid by the client and the trust account opening unit for opening the trust account in which the joint funds are deposited. And a trust account management unit for dividing the common funds and depositing the funds in each of the first contractor's account and the common business account.

Specific details of other embodiments are included in the detailed description and the accompanying drawings.

Advantages and / or features of the present invention and methods for achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, only the present embodiments to make the disclosure of the present invention complete, and common knowledge in the art to which the present invention pertains. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

According to the present invention, after depositing the joint funds in the trust account of the construction costs paid by the client, the cost is settled, the joint funds are divided and deposited into the leading contractor and the joint business account, so that the trust occurs when statutory management of the joint contractor occurs There is an effect that the contract rider takes precedence so that there are no restrictions on the cost payment.

In addition, according to the present invention, when the contract term of the trust account expires, a part of the amount deposited in the trust account is acquired as a fee or a fee is charged to a co-contractor, so that the profits and losses of the finance company's commission generation and the trust account attraction are obtained. There is an effect that can be generated.

1 is a network diagram illustrating a trust account management system according to an embodiment of the present invention.
2 is a block diagram illustrating an internal structure of a server of a financial company according to an exemplary embodiment of the present invention.
3 is a flowchart illustrating an embodiment of a trust account management method according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described embodiments of the present invention;

1 is a network diagram illustrating a trust account management system according to an embodiment of the present invention.

Referring to FIG. 1, the trust account management system includes a server 100 of a financial company, a terminal 200 of a first contractor, and a terminal 300 of a second contractor.

The server 100 of the financial company deposits the joint funds among the construction expenses paid by the client in the trust account, and divides the joint funds into the accounts of the first contractor and the second contractor.

The financial system provided in the server 100 of the financial company is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (eg, a branch network).

Here, the financial system is a computerized system provided to a financial institution to provide a loan service, at least one of the interconnection between at least one or more other financial systems (and / or payment systems), and / or at least one or more external communication networks Access to financial systems from one or more non-face-to-face financial means (e.g., internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.), and / or at least one common network (e.g., CD common network, It is characterized in that it comprises an external system that provides a variety of financial transaction interface through the financial common network).

In addition, the financial system may include an interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (eg, ledger information, and / or the like) required for each function in a component in the financial system. Or a DBMS (DataBase Management System) including at least one database for storing and managing customer information, and / or management information, and the like.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of the person skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) equipped with the financial system and the purpose and characteristics of the financial system. At least one component such as an investment finance module (not shown) and an international module (not shown) may be further included, and a person having ordinary knowledge in the technical field to which the present invention pertains may be included in the financial system. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, whereby the present invention is not limited.

The terminal 200 of the first contractor is a terminal held by a leading construction company that performs construction with the second contractor according to the ordering information of the client.

The terminal 300 of the second contractor is a terminal held by a construction company that performs construction with the first contractor according to the ordering information of the client.

The first contractor and the second contractor may proceed with the work ordered by the client together after preparing a joint business contract documenting the agreements for jointly operating the business.

Each of the terminal 200 of the first contractor and the terminal 300 of the second contractor may be a mobile terminal, a smartphone, a notebook computer, and a personal digital assistant (PDA).

Each of the terminal 200 of the first contractor and the terminal 300 of the second contractor maintain or communicate with the server 100 of the financial company.

In one embodiment, each of the terminal 200 of the first contractor and the terminal 300 of the second contractor may load at least a portion of the mobile banking engine for accessing the server 100 of the financial company. For example, at least some of the predetermined operations required for processing a financial transaction such as membership registration, opening an account, confirming a deposit, etc. may be performed by the terminal 200 of the first contractor and the terminal of the second contractor for quick processing. 300). In such an embodiment, each of the terminal 200 of the first contractor and the terminal 300 of the second contractor may provide the server 100 with the result calculated by the mobile banking engine.

2 is a block diagram illustrating an internal structure of a server of a financial company according to an exemplary embodiment of the present invention.

Referring to FIG. 2, the server 100 of a financial company includes a trust account opening unit 110, a trust account management unit 120, a fee settlement unit 130, a beneficiary certificate issuer 140, and a controller 150. .

The trust account opening unit 110 may open and manage a trust account when a money bond trust contract between a co-contractor and a financial company is concluded. In this case, the trust account opening unit 110 may additionally apply additional information such as a contract period and an interest rate to the account.

The trust account opening unit 110 may open and manage the contractor's account at the request of the contractor. The type of account may include at least one of free withdrawal, savings, trust and deposit. The trust account opening unit 110 may additionally receive additional information of the account from the contractor and apply it to the account. The additional information of the account may include at least one information of the transfer limit amount and withdrawal limit amount for the account. If the account is an account linked to the investment financial product, that is, if the account is at least one of the savings, trusts and deposits may include the financial product attribute information associated with the account.

The trust account opening unit 110 may store an account opening history when the account opening of the trust account in which the joint fund is deposited is completed. The account opening history may include information about the contractor associated with the trust account. The contractor's information may include at least one of an address, an area code, a telephone number, a company address, a company telephone number, an account number, an initial transaction date, and a last transaction date of each contractor.

The trust account opening unit 110 may open a negative account according to the credit rating of the contractor. A negative account is an account that can subtract a certain amount of money within a preset maximum amount according to the user's credit rating. Withdraw funds and deposit them in a trust account.

In one embodiment, the trust account management unit 120, with the exception of the amount paid to the first subcontractor of the construction costs paid by the client at the construction participation rate is deposited in the joint venture account and at the same time withdraw the joint funds to the trust account You can deposit it.

For example, if the client pays 10 billion won in construction cost, construction company A pays construction cost 9 billion won to construction company B, and co-builder participation rate is 70%, B construction company: 30%, Deposits 7 billion into A's account and 3 billion into the joint venture account. Then, the trust account management unit 120 may withdraw 3 billion deposited in the joint business account and deposit it in the trust account. The trust account management unit 120 divides the joint funds deposited in the trust account of the first contractor. Deposit in each account and common business account. In this case, the amount deposited in the joint business account may be funds paid to at least one contractor among the first contractor and the second contractor.

In an embodiment, the trust account manager 120 may settle the bonds and debts of each of the first contractor and the second contractor in connection with the construction work ordered by the client, and divide the joint funds according to the settlement result. It can be deposited into each contractor's account and common business account.

For example, 3 billion dollars of joint funds with A leading and B co-constructors are deposited in the trust account, and the amount to be paid according to the participation rate of the co-constructors is 2.7 billion A and 300 million B, respectively. If the co-constructor B has a loan of 100 million won, the trust account management unit 120 may deposit 2.7 billion won in the account of the leading construction company and deposit 200 million won in the joint business account excluding the 100 million won loan of the B construction company. have. Construction B can then receive 200 million won in the joint venture account.

In another embodiment, the trust account management unit 120 withdraws the negative settlement amount from the negative account book if the settlement amount paid to the first contractor or the second subcontractor is negative in relation to the construction work ordered by the client Can be deposited into a trust account.

In another embodiment, the trust account management unit 120 calculates the interest on the construction cost paid by the first subcontractor to the second subcontractor in connection with the construction of the work ordered by the client, and joint fund according to the settlement result It can be divided into and deposited in each of the first contractor's account and the joint business account.

For example, if $ 35 billion of joint funding with A and B co-contractors is deposited in a trust account, and the cost of construction of A leading builders to pay B co-contractor is 30 billion, Deposit 100 million won of interest into A leading construction company's account and deposit 4.8 billion won in the joint business account, excluding interest of 5 billion to 100 million won. Construction B can then receive 4.9 billion won from the joint venture account.

When the contract period of the trust account expires, the trust account management unit 120 calculates the interest for the deposit period from the date when the portion of the joint funds is deposited in the trust account, and the account of the first contractor or the second contractor. You can deposit it into your account.

When the contract period of the trust account expires, the fee settlement unit 130 may acquire a fee by obtaining a portion of the amount deposited in the trust account or by billing the first contractor or the second contractor.

The beneficiary certificate issuing unit 140 may issue a beneficiary certificate that proves the beneficiary of the amount deposited in the trust account and provide the first contractor and the second contractor, respectively.

The controller 150 may control other components of the server 100 of the financial company to provide a trust account management method.

3 is a flowchart illustrating an embodiment of a trust account management method according to the present invention.

Referring to FIG. 3, the server 100 of the financial institution opens a trust account in which the joint funds are deposited (step S310).

The server 100 of the financial company withdraws the joint funds and deposits them in the trust account when the joint funds are deposited in the joint business account among the construction expenses paid by the client (step S320).

In one embodiment for step S320, the server 100 of the financial company is the same as the joint funds are deposited in the joint business account at the same time except for the amount paid to the first contractor of the construction costs paid by the client at the construction participation rate Withdrawals may be deposited in the trust account.

The server 100 of the financial company divides the joint funds and deposits the funds in the accounts of the first contractor and the accounts of the second contractor (step S330).

In an embodiment of step S330, the server 100 of the financial institution settles the bonds and liabilities of each of the first contractor and the second contractor in connection with the construction work ordered by the client, and the joint fund according to the settlement result By dividing, it may be deposited in each of the account of the first contractor and the account of the second contractor. In such an embodiment, if the settlement amount paid to the first contractor or the second contractor is negative, the financial institution server 100 may withdraw the settled amount from the negative bankbook and deposit it in the account of the co-contractor. .

Although not shown in FIG. 3, the server 100 of the financial institution calculates the interest during the deposit period from the day when a part of the joint funds is deposited in the trust account when the contract period of the trust account expires, thereby calculating the interest of the first contractor's account or the above. It can be deposited into the account of the second contractor.

In addition, when the contract period of the trust account expires, the server 100 of the financial institution may acquire a fee by obtaining a part of the amount deposited in the trust account or by billing the first contractor or the second contractor.

In addition, the server 100 of the financial company may issue a beneficiary certificate that proves the beneficiary rights for the amount deposited in the trust account and provide each of the first contractor and the second contractor.

Although specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below, but also by the equivalents of the claims.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

100: financial firm's server
110: open trust account
120: Trust Account Management Department
130: fee settlement
140: Certificate of Revenue Certificate
150: control unit
200: terminal of the first contractor
300: terminal of the second contractor

Claims

In the trust account management method executed in the server of the financial institution,
Opening a trust account in which the common funds are deposited;
Withdrawing the joint funds and depositing them in the trust account when the joint funds are deposited in the joint business account except the amount paid to the first subcontractor among the construction expenses paid by the client at the construction participation rate; And
Dividing the joint funds and depositing the respective funds in the first contractor's account and the joint business account;
Dividing the joint funds and depositing them in each of the first contractor's account and the joint business account;
In connection with the construction work ordered by the client, the first contractor and the second contractor respectively settle the bonds and liabilities, and divide the common funds according to the settlement result to divide the first contractor's account and the joint business account. Depositing each; And
And if the settlement amount paid to the first contractor or the second contractor is negative, withdrawing the negative settlement amount from the negative bankbook and depositing it in the trust account.

delete

The method of claim 1,
When the contract term of the trust account expires, acquiring a portion of the amount deposited in the trust account as a fee or billing the first contractor or the second contractor to obtain a fee.
How to manage a trust account.

The method of claim 1,
When the contract period of the trust account expires, calculating the interest during the deposit period from the date when the portion of the joint funds is deposited in the trust account, and depositing the deposit into the account of the first contractor or the second contractor; Characterized in that it further comprises
How to manage a trust account.

The method of claim 1,
Opening a trust account in which the common funds are deposited
And issuing a beneficiary certificate that proves the beneficiary of the amount deposited in the trust account and provides each of the first contractor and the second contractor.
How to manage a trust account.

The method of claim 1,
Dividing the joint funds and depositing them in each of the first contractor's account and the joint business account;
And depositing funds paid to at least one contractor among the first contractor and the second contractor into the joint business account.
How to manage a trust account.

delete