KR102620435B1 - Project expense management system capable of integrated collection and transfer by single transaction processing - Google Patents

Abstract

The project expense management system capable of integrated collection transfer through single transaction processing according to the present invention includes an RCMS server 100 that directly controls or indirectly monitors project expense transfer history; A dedicated agency server (200) through which a dedicated agency concludes an agreement, manages the project execution process, and performs project cost payment and settlement through the RCMS server (100); An executing agency server (300) that manages the business carried out in accordance with the agreement and transmits a transfer execution telegram requesting execution of business expenses to the RCMS server (100) or transmits payment details data to the RCMS server (100) after executing a transfer to the customer's account. ) and RCMS, a dedicated agency, an executing agency, and a plurality of bank servers 400 where accounts of customers are opened, and the funds to be transferred from the project expense mother account of each resource are assigned to the bank server 400 in proportion. A withdrawal functional account (410) of RCMS is opened, which consists of a collection functional account (411) for collecting and a transit functional account (413) for transferring funds to an executing agency or customer account, and the collection functional account (411) is opened. A technical feature is that collection and transfer to the via functional account 413 are processed as a single transaction.

Description

Project expense management system that allows integrated collection and transfer through single transaction processing {PROJECT EXPENSE MANAGEMENT SYSTEM CAPABLE OF INTEGRATED COLLECTION AND TRANSFER BY SINGLE TRANSACTION PROCESSING}

The present invention relates to a cost management system, and more specifically, to a project cost management system for government or local government projects in which project costs in the public and private sectors are operated together.

The scale of projects that encourage research and development (hereinafter referred to as ‘national projects, etc.’) by supporting companies in technology fields for which national development plans have been established or at the local government level is gradually growing. The carrying out subjects of these national tasks include a dedicated agency that carries out project management, an executing agency that carries out the actual content of the project, and a business partner that provides materials or services to the executing agency. In most national tasks, etc., the sincerity of the executing agency is In order to guarantee, a private contribution of a certain percentage (10 to 20%, depending on national tasks, etc.) is added to the implementing agency.

RCMS (Real-Time Cash Management System) is an integrated management system for government-wide research funds provided online to enable transparent and safe management of project expenses for national projects. Project expenses are transferred in real time to the dedicated agency account, executing agency account, and customer account. Project expenses can be transferred.

Project expenses for these national projects are operated separately into tax-exempt government accounts, tax-exempt local government accounts, corporate taxable private accounts, individual taxable private accounts, and tax-exempt private accounts, depending on financial resources and taxability. Project expenses are used for equipment costs, material costs, labor costs, etc. In this case, disbursing project expenses from each account to equipment companies, material companies, etc., which are subject to project expenses, makes it difficult to monitor whether the project expenses of each account are used appropriately when the entire project expense, including equipment expenses, is not spent, and there is a possibility of misuse. There is a need to consolidate project costs by these resources.

‘Patent Document 1’ is the applicant’s earlier application invention that enables the integrated collection of such project costs, and Figures 1 to 3 are diagrams of the same. The project cost integrated management system capable of integrated collection disclosed in Patent Document 1 includes an RCMS server (1) that directly controls or indirectly monitors the project cost transfer history, and a dedicated agency concludes an agreement through the RCMS server (1) and manages the project execution process. Server (2), a dedicated agency that manages business expenses and performs payment and settlement of business expenses, manages business carried out in accordance with the agreement and sends a transfer execution telegram requesting execution of business expenses to the RCMS server (1) or makes payment after executing a transfer to the customer's account It consists of an executing agency server (3) that transmits historical data to the RCMS server (1) and a plurality of bank servers (4) where accounts of RCMS, dedicated agencies, executing agencies, and customers are opened, and the RCMS is transmitted to the bank server (4). Withdrawal functional account (5) and deposit functional account (6) are opened, business expense management accounts for dedicated agencies and executing agencies are opened, withdrawal purpose accounts for business partners are opened, and withdrawal functional accounts (5) and deposit functional accounts are opened. Through (6), project expenses from different sources are deposited and withdrawn in the name of RCMS into the project expense management account of the executing agency and the withdrawal purpose account of the customer.

However, collection and transfer to these withdrawal purpose accounts are performed up to three collection transfer transactions depending on the composition of the business expense, that is, collection transfer transactions are performed from each of the government account, local government account, and private account to the collection functional account included in the withdrawal functional account. There is a problem with the transfer process that is complicated because a one-time transfer transaction is performed from the post-collection functional account to the transit functional account. In addition, if one or more of the four transactions is not completed, a rollback must be performed to revert the entire transaction. However, if the rollback is not smooth, there is a problem in that project cost recovery is not smooth.

KR 10-2023-0011597 (2023. 1. 30.)

The present invention was created to solve the above problems, and the problem to be solved by the present invention is to provide a business expense management system that allows integrated collection and transfer in a single transaction.

The project expense management system capable of integrated collection transfer through single transaction processing according to the present invention includes an RCMS server that directly controls or indirectly monitors project expense transfer history; A dedicated agency server through which the dedicated agency concludes agreements, manages the project execution process, and performs project cost payment and settlement through the RCMS server; The executing agency server and RCMS, dedicated agency, and executing agency that manage the business carried out in accordance with the agreement and transmit a transfer execution telegram requesting execution of project expenses to the RCMS server, or transmit payment details data to the RCMS server after executing a transfer to the customer's account. and a business expense management system consisting of a plurality of bank servers where accounts of business partners are opened, wherein the bank server has a collection function account that collects funds to be transferred from the business expense mother account of each financial resource in proportion and transfers the funds to the executing agency or customer account. A technical feature is that a withdrawal functional account of RCMS consisting of a transit functional account is opened, and collections to the collection functional account and transfers to the transit functional account are processed as a single transaction.

The project expense management system capable of integrated collection and transfer through single transaction processing according to the present invention can easily perform collection and transfer of multiple financial resources through a single specialized operation.

In addition, since collection and transfer are performed as a single transaction, rollback of multiple transactions due to incomplete completion of some transactions is eliminated, and the possibility of system paralysis due to insufficient rollback of some transactions can be significantly reduced.

Figure 1 is a configuration diagram of an integrated project cost management system capable of integrated collection
Figure 2 is a configuration diagram of a withdrawal functional account
Figure 3 is a configuration diagram of a deposit functional account
Figures 4 to 6 are diagrams showing the execution structure of project costs generated from a project cost management system composed of different financial resources.
Figure 7 is a configuration diagram of a business expense management system capable of integrated collection and transfer through single transaction processing according to the present invention.
Figure 8 is a detailed configuration diagram of the RCMS server
Figure 9 is a configuration diagram of the withdrawal function account
Figure 10 is a configuration diagram of a deposit functional account
Figures 11 and 12 are flow charts when funds are deposited into the project cost account of a dedicated institution in the first project cost execution structure.
Figure 13 is a flow chart when funds are deposited into the executing agency's project expense account in the second project expense execution structure.
Figure 14 is a flow chart when funds are deposited into the executing agency's project expense account in the third project expense execution structure.
Figure 15 is a specialized entry for single transaction processing.
Figure 16 is an actual example of collection and transfer by single transaction processing.
Figure 17 is a full text layout for single transaction processing.
Figure 18 is a full text layout for viewing single transaction processing results.
Figure 19 is an example of the deposit, execution, collection, and settlement process according to task performance.
Figures 20 to 22 are flowcharts of project cost execution in the first to third project cost execution structures.
Figures 23 to 25 are flowcharts of project cost recovery in the first to third project cost execution structures.
Figures 26 to 28 are flow charts during project cost settlement in the first to third project cost execution structures.

Hereinafter, a project cost management system capable of integrated collection and transfer through single transaction processing according to the present invention will be described in detail with reference to the attached drawings.

In order to explain the single transaction processing intended by the present invention, a project cost management system in which single transaction processing occurs must be defined, so the project cost management system on which the present invention is based will first be described.

Figures 4 to 6 are diagrams of the execution structure of project costs generated in a project cost management system composed of different financial resources, and there are largely three project cost execution structures. Although the single transaction processing of the present invention is applied to the dual first project cost execution structure, there is a need to understand the entire system including single transaction processing and the possibility of securing related rights, so the entire system is described.

The overall fund flow of the first project cost execution structure is after the project fee is deposited from the dedicated agency into the dedicated agency account (a), and then when the performing agency requests the use of project funds through RCMS, the project fee is transferred from the dedicated agency account (a) to the performing agency account (b). ), and the project cost is transferred again from the executing agency's account (b) to the client's account (c). Therefore, in the first project cost execution structure, all project cost usage details can be monitored in real time in RCMS. And because project costs can be controlled by a dedicated agency, misuse or loss of project funds due to errors or intentional actions by the executing agency can be prevented. The first project cost execution structure is characterized by having an additional withdrawal functional account and a deposit functional account, which are explained in detail below.

The second project cost execution structure involves depositing the project cost from the dedicated agency into the executing agency's account (b), and then transferring the project cost from the executing agency's account (b) to the client's account (c) when the executing agency requests the use of the project cost through RCMS. In this structure, the performing agency becomes the management entity, so the autonomy of the performing agency is guaranteed, but it becomes difficult to classify financial resources according to the government, local governments, and the private sector (divided into corporate, individual, and non-taxable depending on the type of taxation), making tax processing complicated. There is a downside to canceling.

The third project cost execution structure is a structure that transfers the project cost from the executing agency account (b) to the customer account (c) and then links and transmits the payment details data to the RCMS. Similar to the second project cost execution structure, the autonomy of the executing agency is guaranteed. However, there is a problem where it is difficult to distinguish between financial resources.

Figure 7 is a configuration diagram of a business expense management system capable of integrated collection and transfer through single transaction processing according to the present invention, and the physical configuration is the same as the applicant's earlier application invention. In other words, the business expense management system capable of integrated collection and transfer through single transaction processing according to the present invention also consists of an RCMS server 100, a dedicated agency server 200, an executing agency server 300, and a plurality of bank servers 400. .

The RCMS server 100 is a component that controls the fund flow of the project expense integrated management system using functional accounts according to the present invention by directly controlling or indirectly monitoring project expense transfer history, and includes an RCMS logical account. The RCMS logical account will be explained in detail later.

The dedicated agency server 200 is a component that allows the dedicated agency to conclude agreements with RCMS and executing agencies through the RCMS server 100, manage the project execution process, and perform project cost payment and settlement. It is used to manage multiple projects. Accounts are held in multiple bank servers (400). There may be a plurality of dedicated agency servers 200 because they are provided by each agency in charge of the project, such as the Korea Evaluation Institute of Industrial Technology, the applicant of the present invention.

The executing agency server 300 manages the business carried out in accordance with the agreement and transmits a transfer execution telegram requesting execution of project expenses to the RCMS server 100 or transmits payment details data to the RCMS server 100 after executing a transfer to the business partner's account. As a component, one or more accounts may be held in multiple bank servers 400. There may be multiple performing agency servers 300 for each dedicated agency.

The plurality of bank servers 400 is a component in which accounts for the RCMS, dedicated agency, executing agency, and customer are opened. It provides withdrawal functional accounts and deposit functional accounts to the RCMS, and provides a business expense management account to the dedicated agency and executing agency. An account for withdrawal purposes is provided to customers. To simplify the illustration, only one dedicated agency server 200, an executing agency server 300, and a bank server 400 are shown in FIG. 6.

The RCMS account consists of a collection functional account, which is a real account, a transit functional account, a mother account (it is essentially the same as a real account, but is called a mother account because it has a virtual account that is its own account), and a deposit functional account made up of a virtual account. Functional accounts and deposit functional accounts are opened on the safe bank server, and transit functional accounts are opened on the transit bank server. A vault bank is a similar concept to the Local Accounting Act's 'bank designated by the head of a local government in accordance with the Banking Act to handle the deposit, storage, and other vault business of cash and securities owned or stored by the head of the local government.' It can be said to be a bank that performs fund disbursement, storage, and other safekeeping duties for projects, etc. For reference, RCMS selects and designates safe banks every three years, and as of the filing date, three banks, Industrial Bank of Korea, Shinhan Bank, and Hana Bank, are designated as safe banks.

The dedicated agency account is a business expense management account and consists of a mother account and a virtual account. The mother account is opened by the number of safe banks used by the dedicated agency × the number of resources, and the virtual account is opened by the number of parent accounts × the number of performing organizations per task. For example, if dedicated agency A uses safe banks a and b, organizes the project with non-taxable government resources and private funds subject to corporate taxation, and assigns tasks to 10 executing agencies, the dedicated agency has 4 (= 2 × 2 ) mother accounts and 40 (= 4 × 10) virtual accounts.

The executing agency account may have one real account as a business expense management account per executing agency, multiple real accounts as a research expense account, and one actual account as a set-up account.

A customer account consists of multiple real accounts for each customer, or simply put, a bank account held by each customer.

To explain this configuration in relation to the first to third project cost execution structures described above, in the first project cost execution structure, the project cost is transferred from the dedicated agency to the virtual account of each dedicated agency execution agency on the bank server 400, and the performing agency server ( When 300) requests payment of project expenses to the RCMS server 100 with electronic proof, the project expenses are sequentially transferred in real time from the virtual account of the dedicated organization to the project expense management account of the executing agency or from the research expense account to the customer account under the control of the RCMS server 100. Therefore, in the first project cost execution structure, the executing agency cannot arbitrarily transfer the project cost, and the RCMS server 100 can monitor the project cost transfer process.

In the second project cost execution structure, at the beginning of the project, the project cost is transferred from the dedicated agency server 200 to the project expense management account (above-mentioned one real account) for each executing agency of the bank server 400, and when necessary, the executing agency server 300 When payment of project expenses is requested from the RCMS server (100) using electronic proof, the project expenses are transferred from the project expense management account of the executing agency to the account of the customer. Therefore, in the second project cost execution structure, the transfer of project expenses from the executing agency's account to the client's account can be monitored by the RCMS server (100), but transfer of project expenses beyond the control of the RCMS server (100) cannot be controlled, so there is a possibility of loss of project expenses. there is.

In the third project cost execution structure, at the beginning of the project, the project cost is transferred from the dedicated agency server 200 to the project expense management account for each executing agency on the bank server 400, and when necessary, the executing agency server 300 transfers the project cost from the executing agency project expense management account to the customer account. After transferring the project cost, the payment details are reported to the RCMS server 100, or the bank server 400 reports them to the RCMS server 100. Therefore, there is a high degree of freedom in the use of project expenses, but transfer of project expenses beyond the control of the RCMS server 100 cannot be controlled, and there is a possibility of loss of project expenses.

Figure 8 is a detailed configuration diagram of the RCMS server. The RCMS server 100 is composed of a first account management module 110, a second account management module 120, and a logical account module 130. The account management module is formed to correspond to the business expense execution structure (for example, the first account management module 110 is formed to correspond to the first business expense execution structure), and in the case of the third business expense execution structure, the RCMS server 100 Because it is a method of receiving follow-up reports, a separate account management module is not required.

The first account management module 110 is a component that stores a first account page composed of a combination of each dedicated institution and a safe bank. Each account page contains task-performing institution virtual account information for each parent account (real account) for each financial resource. are stored in correspondence. For example, as shown in Figure 8, the information of the government, private A for corporate taxation, private B for individual taxation, private C for non-taxation, and non-taxable local government parent accounts are stored separately in safe bank A of institution A, In each parent account, a virtual account is created for each task and executing agency. Therefore, by querying the information in the first account management module 110, the RCMS can identify the fund situation and transfer of funds by subject (government, etc.) and task (executing agency) to a specific safe bank of a specific dedicated institution.

The reason for classifying virtual accounts by financial source is that the application of tax laws such as value-added tax varies depending on whether it is a taxable or non-taxable resource, and in the case of taxation, different processing is required depending on the tax rate.

The second account management module 120 is a component that stores information on the project expense management account of each executing agency. RCMS stores electronic certificates transmitted from the executing agency server 300, account transfer details accordingly, and the executing agency project expense management account. You can check information such as balance. In the second project cost execution structure corresponding to the second account management module 120, the structure is simple because the project cost is transferred to the project cost management account of each executing agency at the beginning of the project.

The logical account module 130 is a component that stores information corresponding to each account of the first account management module 110 and the second account management module 120, and includes business information, task information, agreement information, and project cost composition. Information is stored for each account included.

Returning to FIG. 7 again, the functional account is explained. A functional account is an account opened on each bank server 400 to smoothly perform deposits and withdrawals in the first business expense execution structure. As the first business expense execution structure configures business expenses with multiple financial resources, a single business expense account (the first business expense account) After transferring project expenses from the dedicated agency-safe bank project expense management account (in the execution structure) or the executing agency project expense management account in the second project expense execution structure) to the executing agency account or client account, transfer to the final account fails, contract is canceled, or funds are misused. , when all or part of the funds must be recovered due to encroachment, etc., it is a necessary component to distribute the recovered funds to virtual accounts for each original financial source and task-performing organization according to the transfer ratio.

Figure 9 is a configuration diagram of a withdrawal functional account, and Figure 10 is a configuration diagram of a deposit functional account. The reason why withdrawal is explained first is because, as explained above, the purpose of having a functional account is to distribute the recovered funds in proportion to the transfer (withdrawal) to the original account, so withdrawal comes first in the process.

The withdrawal functional account (410) is a collection functional account (411) that collects funds to be transferred from the project expense mother account (real account) of each financial resource in proportion, and a transit functional account (413) for transferring funds to the executing agency or customer account. It is composed.

If there is a safe bank A, B, or C designated or agreed upon by RCMS, the project cost account in the first project expense execution structure is composed of a predetermined ratio for each resource, for example, 70% for government and 30% for private A, 1,000. If you want to transfer 10,000 won of funds to a customer's account, transfer funds of 7 million won and 3 million won, respectively, from dedicated institution A - safe bank A to safe bank A of RCMS (the safe banks do not have to be the same), and if 10 million won is collected, This is transferred to a business partner's account, etc., and is called a collection function account (411) in the sense that it functions to collect funds in this way. Additionally, information such as the collection ratio can be obtained by backtracking the flow of funds deposited into the collection function account 411.

However, if you transfer funds directly from the collection functional account (411) to the customer account, etc., the transfer fails in the middle. For example, in the structure where funds are transferred from collection functional account → executing agency account → customer account, collection functional account → execution. If the transfer from the institution's account is successful, and the transfer from the executing institution's account → client's account fails (seizure of the client's account, mismatch of depositor's real name, etc.), the funds may be tied up in the executing institution's account, and the collection function account (411) may be transferred to another account. There is no request for reverse transfer of funds to the bank account of the executing agency, and RCMS may temporarily lose control of the funds. The component introduced to solve this problem is the transit functional account (413).

The transit functional account (413) is a general bank account held by RCMS and is opened in the name of RCMS on all bank servers (400) holding accounts with executing institutions, and the funds collected in the collection functional account (411) are transferred to the transit functional account (413). When transferring, the via functional account 413 transfers the funds back to the executing agency account → customer account. In this case, even if the transfer from the executing agency account → customer account fails, funds can be reversely transferred from the executing agency account to the functional account (413) of the RCMS, so at least RCMS can control the funds that failed to be transferred. The reason why a transit functional account 413 is opened in the name of RCMS on all bank servers 400 holding accounts of executing institutions is to enable such reverse transfers. In the actual specific fund transfer, if the bank holding the executing agency's account and the transit functional account (413) are matched, the transfer to the client's account fails because it is a transaction between the same bank accounts, and the funds remaining in the executing agency's account are reverse transferred to an account in the name of RCMS. It can be done.

The deposit function account 420 contains funds to be deposited into each project expense account (dedicated agency account in the case of the first project expense execution structure, and executing agency account in the case of the second and third project expense execution structures) in the first to third project expense execution structures. As a transit account, like the collection functional account (411), it is opened in the name of RCMS for each safe bank designated or agreed upon by RCMS. The difference from the collection functional account (411) is that the virtual account (421) for each depositor is a deposit functional account (421). 420) is provided in each case. The reason why the virtual account 421 is necessary for the deposit functional account 420 is to distinguish the deposit subject and the deposit rate or deposit amount, and this is also related to the reason why the deposit functional account 420 is necessary. As explained above, in case of transfer failure to a business partner's account, etc., the funds must be recovered according to the collection ratio, but if there is no deposit function account (420) with a virtual account (421), it is difficult to determine which depositor and how much amount was deposited. A functional account (420) is required.

Figures 11 and 12 separately illustrate the case where funds are deposited into the project cost account of a dedicated institution in the first project cost execution structure. At the start of the project, each depositor (resource) directly deposits the project cost through the corresponding virtual account as shown in Figure 11. can be deposited, and this information is stored in the logical account module 130 of the RCMS server 100. In the case of a refund, the business expenses are deposited into the business expense account through the deposit function account 420 as shown in FIG. 12 so that the depositor and the deposit amount can be known.

Figure 13 shows a case where funds are deposited into the project cost account of an executing agency in the second project cost execution structure, and is similar to the case of Figure 12. However, in the second project cost execution structure, since the financial resources and ratio covering the project cost are not identified in the project cost account of the executing agency, the deposit is made through the deposit function account (420) even at the start of the project.

FIG. 14 illustrates a case where funds are deposited into the project expense account of an executing agency in the third project expense execution structure, and the executing agency transmits only project expense deposit details data to the logical account module 130 of the RCMS server 100.

As mentioned earlier, the single transaction processing of the present invention is applied to the simplification of the first project expense execution structure in which RCMS controls and monitors the entire collection and transfer of project expenses, and Figure 15 shows specialized items for single transaction processing. .

The full text for single transaction processing is largely divided into collection-related and two-party transfer-related, and collection-related items consist of the number of repetitions, withdrawal account number, withdrawal virtual account number, withdrawal account summary, and transfer amount. The number of repetitions is an item that defines the number of transfers since a transfer must be made from multiple withdrawal virtual accounts to a collection function account for collection, the withdrawal account number is assigned to the parent account with business expenses, and the withdrawal virtual account number is assigned to the actual account by financial resources. This is an item that defines the virtual account, the withdrawal account summary is a reference assigned to the withdrawal virtual account in RCMS, and the transfer amount is an item that describes the amount collected for each withdrawal virtual account.

A two-party transfer is related to a collection functional account to a transit functional account. The collection functional account is opened only at three safe banks, and the transit functional account is opened at a general bank, and in most cases, transfers to other banks occur, so it is a two-party transfer. It is done. Items related to two-party transfers include collection account number, deposit account bank code, deposit account number, deposit account summary, and transfer amount. The collection account number is an item that contains the number of the collection function account to which the transfer occurs, the deposit account bank code is an item that contains the bank's unique number, commonly called a SWIFT code, and the deposit account number is the deposit account to which business expenses will be transferred. The deposit account summary is a reference statement assigned to the deposit account in RCMS, and the transfer amount is an item that describes the amount to be transferred to the deposit account.

For reference, the types C and N mean character and numeric, respectively, and the length is the length of the string and numeric.

Figure 16 shows an actual example of collection and transfer by single transaction processing. Conventionally, business expenses were collected and transferred through two collection transactions of 1 to 4, 5 to 8, and one two-party transfer transaction of 9. It can be seen that this can be processed as a single transaction of 1 to 9 (repeat part 1 to 8 + 2 character transfer).

Figure 17 shows the layout of the full text for single transaction processing, and Figure 18 shows the layout of the full text for querying the results of single transaction processing. Collection processing and two-way transfer defined in the number of repetitions are executed, and executed. You can check the results, such as the execution message transmission date and processing result, by looking up the message serial number. The processing result is recorded as a predefined code, for example, ‘0100’ if the message is not received, or ‘0000’ if the message is processed normally.

Next, based on the above description, we will look at the overall flow of project expenses in the project expense management system that allows integrated collection and transfer through single transaction processing according to the present invention. As shown in Figure 19, the flow of project expenses consists of deposit, execution, collection, settlement, etc. according to the performance of the task, and the case of deposit was explained above.

Figure 20 is an overall flowchart of project cost execution in the first project cost execution structure. Mother accounts {a1 to a5) for each resource of the dedicated institution, the actual mother account is in the bank server 400, and information such as transfer history and balance of the mother account is stored in the RCMS server. It is in the first account management module 110 of (100), but in order to express the fund flow and monitoring structure, it is shown without distinguishing between the parent account and the parent account information} and collects the business expenses to be transferred to the collection function account 410 ( Step 1), to the functional account (413) of the bank server (400) designated by the executing institution to transfer the collected project funds to the executing institution's research fund account (b2), established own account (b3), or customer account (c). After performing the transfer (Step 2), transfer the business expenses from the transit functional account (413) to the customer account (c) where the business expenses will be used (Step 3). And all of these processes are stored in the logical account module 130 of the RCMS server 100. That is, Step1 and Step2 are processed as a single transaction by the present invention.

At this time, the transfer for collection (Step 1) is preferably a transfer between the same safe bank for convenience of monitoring or fund flow, and the transfer from the transit functional account (413) is often a transfer to another bank. And considering the reason for the establishment of a transit functional account (413), transfers to the customer's account (c), etc., have no choice but to be bank transfers.

Figure 21 is an overall flowchart of project cost execution in the second project cost execution structure, in which funds are transferred from the project expense account (b1) of the performing agency to the customer account (c) or Project expenses are transferred directly to the set own account (b3), and information such as transfer history and balance is stored in the logical account module 130 of the RCMS server 100.

Figure 22 is an overall flowchart of the project cost execution in the third project cost execution structure. After the executing agency executes the project cost to a business partner, etc., the execution details and balance are transmitted to the logical account module 130 of the RCMS server 100.

Figures 23 to 25 illustrate the recovery of project expenses in the first to third project expense execution structures. In the first and second project expense execution structures, the project cost account of the dedicated organization or the project expense account of the executing agency is via the deposit function account 420. The project cost is recovered, and in the third project cost execution structure, the executing agency recovers the project cost and transmits the recovery details to the logical account module 130 of the RCMS server 100.

Figures 26 to 28 show the time of project cost settlement in the first to third project cost execution structures. In the first and second project cost execution structures, the government account is transferred via the collection functional account 411 of the withdrawal functional account 420. The project cost settlement is performed using (a) (if the project cost remains) or the executing agency's own account (b3) (if the project cost is insufficient), and in the third project cost execution structure, the executing agency records the settlement details after the project cost is settled on the RCMS server (100). It is transmitted to the logical account module 130.

100 RCMS server 110 first account management module
120 Second account management module 130 Logical account module
200 dedicated agency servers 300 executing agency servers
400 Bank Server 410 Withdrawal Function Account
411 Collection functional account 413 Transit functional account
420 Wage functional account

Claims (4)

RCMS server (100) that directly controls or indirectly monitors project expense transfer history;
A dedicated agency server (200) through which a dedicated agency concludes an agreement, manages the project execution process, and performs project cost payment and settlement through the RCMS server (100);
An executing agency server ( 300) and
A business expense management system consisting of RCMS, a dedicated agency, an executing agency, and a plurality of bank servers 400 where accounts of customers are opened,
A withdrawal functional account (410) and a deposit functional account (420) of RCMS are opened in the bank server (400),
The withdrawal functional account 410 is composed of a collection functional account 411 that collects funds to be transferred from the project expense mother account of each financial resource in proportion, and a transit functional account 413 for transferring funds to the account of the executing agency or customer. , the deposit functional account 420 is equipped with a virtual account 421 for each depositor, so that the depositor and deposit ratio are distinguished,
The transit functional account 413 is a general bank account held by RCMS and is opened in the name of RCMS on all bank servers 400 holding accounts of executing institutions, and the funds collected in the collection functional account 411 are transferred to the transit functional account. When transferring to (413), the transit functional account (413) performs the transfer to the account of the performing institution,
If the account of the performing agency and the bank holding the transit functional account (413) match, and the transfer from the account of the performing agency to the account of the customer fails, funds are transferred from the account of the performing agency to the transit functional account (413) in the name of the RCMS. Reverse transfer is possible,
When recovering project expenses, the project expenses are recovered to the account of the dedicated institution via the deposit functional account (420), and when settling the project expenses, the project expenses are recovered through the collection functional account (411) of the withdrawal functional account (410) to the government account (a) or Project cost settlement is carried out in the self-account (b3) set by the executing agency,
The full text for transfer processing from the collection functional account 411 to the transit functional account 413 includes collection-related items and collection, including the number of repetitions, withdrawal account number, withdrawal virtual account number, withdrawal account summary, and transfer amount. It consists of two-party transfer-related items including account number, deposit account bank code, deposit account number, deposit account summary, and transfer amount,
A business expense management system capable of integrated collection transfer through single transaction processing, characterized in that collection transactions equal to the number of repetitions and one two-party transfer transaction are processed as a single transaction.
delete In claim 1,
A business expense management system capable of integrated collection and transfer through single transaction processing, characterized in that it is possible to inquire the execution message transmission date and processing result by checking the execution message serial number that executed the single transaction. delete