KR20060035320A - Cyber branch system - Google Patents

Abstract

The present invention relates to a customized cyber branch bank system for a corporate customer, wherein the enterprise ERP system 10 and the cyber branch system 100 are connected through a network, and the cyber branch system 100 is a CD / ATM. , Web, CTI, each of the bank's management team, call center, account server and external linked servers to be connected to the intranet or network, the cyber branch system 100, Web management unit 110 for the web service, The payment management unit 120 for storage management, the payment management unit 130 for payment management, the integrated fund management unit 140 for liquidity management, the additional service management unit 150 for providing additional services and Interface with corporate ERP system 10 to perform acquisition of information, DB management of acquired information, and interlocking control of functions of cyber branch system. Main management unit 160 and its database 170 to perform the reset mode, the screen scraping unit 180 for inquiring the status of the deposit and withdrawal of each account, and fund collection and payment and fund allocation and collection It is configured to include an Internet banking system 190 for the purpose to perform a customized money management service for corporate customers.

Cyber, Banking, Branches, Liquidity, Collecting, Paying, Corporate ERP, Customized

Description

Customized cyber branch system for corporate customers {Cyber Branch System}

1 is a block diagram of a cyber branch system showing an embodiment of the present invention.

2 is a block diagram of a main management unit of the cyber branch system according to the present invention;

Figure 3 is a block diagram of the billing management unit of the cyber branch system according to the present invention.

Figure 4 is a block diagram of the payment management unit of the cyber branch system according to the present invention.

5 is a configuration diagram of the integrated fund management unit of the cyber branch system according to the present invention.

Figure 6 is a block diagram of the additional service management unit of the cyber branch system according to the present invention.

Figure 7 is a block diagram showing a linkage relationship between the cyber branch system and the enterprise ERP system according to the present invention.

<Description of Symbols for Main Parts of Drawings>

10: Enterprise ERP System 20: Banking System

100: cyber branch system 110: Web management unit

120: price storage management unit 121: storage history inquiry unit

122: storage information management unit 123: storage history ERP reflecting unit

130: payment management unit 131: ERP-related collective payment unit

132: payment processing unit by case 133: Giro Information Management Department

140: integrated fund management unit 141: account integration management unit

142: Fund Allocation 143: Fund Collection

144: money holding amount management unit 145: account information management unit

150: additional service management unit 151: corporate card management unit

152: Electronic Tax Invoice Management Department 153: Financial Risk Management Department

154: additional financial transactions and information providing unit 160: main management unit

161: ERP system interface unit 162: screen scraping control unit

163: ERP information and payment receipt and payment information matching unit

170: database 180: screen scraping unit

190: Internet Banking System

The present invention relates to a total bank system tailored to a corporate customer. More specifically, a company's financial managers have various requirements for managing their money. ), A customized cyber branch system for enterprise customers that can be planned, executed, and viewed.

Currently, when looking at the process of the company's money management process, it is consisted of Collection => Liquidity => Payment, and the company supports this to perform each process efficiently. Various banking systems are used on-off line of each bank.

In general, such a banking system can be found in the collection section, which includes simple bank account payment, transaction information transmission CMS service, virtual account system, VAN automatic transfer service (Real Time or Batch method), KFTC CMS service, There are automatic money intensive services, giro services, credit card payment system, P-Card (purchase card only) system, credit account receivable electronic loan system, receipt of money receivable system, and automatic sweeping in the liquidity part. Sweeping) is an example, and in the payment section, simple internet banking, VAN automatic transfer service (Real Time or Batch method), KFTC CMS service, credit card payment system, P-Card (purchase card only) ) System, purchase loan system, credit account receivable electronic loan system.

In addition, the company utilizes internal resource management system such as internal ERP system through separate IT investment for efficient execution of the above process.In addition to necessary services in process, corporate card management system, electronic tax invoice system, financial / There is a need for banking services for risk management systems.

As stated above, companies need to utilize banking systems and services of numerous banks in order to efficiently manage their funds, but each of these systems has some differences in the composition and level of each bank. Each system must be used separately, rather than as one integrated system, which is a significant limitation of the company's effective money management.

In addition, the company efficiently inquires the funds collected through the above-mentioned systems and services through one system, and based on this, establishes and executes an investment plan that minimizes idle money. Despite the desire to do so, there is currently no higher level system for managing each of these systems. As a result, the company has not been able to achieve the results of efficient corporate capital management and minimize resource waste.

Specifically, if a company is using a simple passbook, virtual account system, VAN direct debit service, or credit card payment system in the collection section, the company can obtain information on the collection history. For this purpose, the bank's internet banking inquiry function, off-line account clearance function, and credit card company information inquiry function should be used separately for each bank and credit card company, which is the main cause of the inefficiency of the fund manager.

Therefore, the existing various corporate banking related solutions do not reach their original purpose level and expose the fundamental problem of operating in a limited level.

As mentioned above, the individual objectives that a company wants to obtain from major banking transactions may be achieved to some extent by using respective banking solutions. There is no system, and accordingly, the company uses various computer information provided by each bank (including the second financial sector such as credit card company) or accesses banking-oriented banking system such as internet banking to acquire necessary information. It is necessary to perform cumbersome tasks that need to be linked with internal resource management systems such as ERP.

The present invention aims to overcome the above-mentioned limitations of various solutions and banking systems related to corporate banking, and to establish a cyber branch system for personalized money management that meets the corporate money management needs of a specific company on the Internet. The purpose.

In addition, the present invention collects a variety of information provided by the other party other than the bank to provide the system and link to the system, and by linking the collected party, other information with the internal resource management system (Interface) By contributing to the automation of corporate operations, we minimize the need for corporate fund managers to visit each bank's on-off line reality point, while providing one-stop funding through the system. The objective is to make management planning, implementation and inquiry possible.

Customized cyber branch system for corporate customers according to the present invention,

A web management unit connected to a network of an ERP system of a company, registering a user accessing a cyber branch system through a web service, inputting basic information, authenticating a user, checking a user's authority, and performing various inquiries and providing information;

Interface with the company's ERP system to register initial information, receive transaction information, payment receipt and payment information in real time and manage it as a database, and check the deposit and withdrawal of each account by screen scraping control and transfer A main management unit for controlling the cyber branch function by matching the control and ERP information with the deposit and withdrawal details of each account;

A billing storage management unit which manages the billing history inquiry and storage information management under the control of the main management unit and reflects the storage details in the information of the enterprise ERP system;

A payment management unit for performing ERP-related collective payments, case-by-case payments, and information management by the main management unit;

An integrated fund management (liquidity management) unit that handles all bank account management, fund distribution, and fund collection by business divisions such as branches, agencies, branches, and businesses;

An additional service management unit that handles corporate card, electronic tax invoice management and financial risk management;

A screen scraping unit for screen scraping transaction accounts registered in the web management unit 110 under the control of the main management unit to obtain a deposit and withdrawal history;

Under the control of the main management unit is characterized in that it comprises an Internet banking system for executing the self-transfer and other transfers of each account.

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

1 is a block diagram of a cyber branch system showing an embodiment of the present invention. As shown here,

Enterprise ERP system 10 which performs enterprise-wide management such as sales management, sales / logistics management, payment, payroll and accounting management and purchase production / sales management of the enterprise, and the cyber branch system 100 of the present invention serviced by the bank. ) Is connected and configured through a network, the cyber branch system 100 is connected to the intranet or network so as to be interoperable with CD / ATM, Web, CTI, each management team of the bank, call center, account server and external linked servers Is configured in connection with the banking system 20.

The cyber branch system 100 of the present invention is a customized comprehensive money management system through linkage between the corporate ERP system 10 and the banking system 20 to support efficient money management and operation in accordance with the company's money management process. Be serviced.

Looking at the configuration by the function, the web management unit 110 for the web service, the payment storage management unit 120 for the payment and storage management, the payment management unit 130 for the payment management and integrated funds for liquidity management Interface with the management unit 140, the additional service management unit 150 for providing the additional service, and the enterprise ERP system 10 to acquire the information, manage the DB of the acquired information, and coordinated control of each function of the cyber branch system, etc. The main management unit 160 and its database 170 to perform the management mode of the administrators, and the screen scraping unit 180 for inquiring the status of the deposit and withdrawal of each account, and the money storage and payment And an internet banking system 190 for fund allocation and collection.

The web management unit 110 is connected to the ERP system 10 of the enterprise and each of the management unit and administrators of the bank, the user registration and basic information input and user authentication and use rights to access the cyber branch system through a web service It is configured to perform a check and the like, to register and query information and to provide information service.

Therefore, the managers of the enterprise and the managers of the bank can perform user registration, registration of basic information, user authorization, and various inquiry and management functions by the web service provided by the control of the web management unit 110. do.

2 is a block diagram of a main management unit of the cyber branch system according to the present invention. The main management unit 160 interfaces with the ERP system 10 of the company, registers initial information, receives transaction information, payment receipt, payment information, etc. in real time and manages it in a database, and performs screen scraping control. In addition to querying the deposit and withdrawal details of each account, the cyber branch function is integrated by controlling transfer control and ERP information and withdrawal and withdrawal details of each account.

The main management unit 160 is connected to the enterprise ERP system 10 that has been authenticated by the user through the web management unit 110 receives real-time enterprise ERP information, such as purchase, sales and accounting information to the database 170 An ERP system interface unit 161 which stores and manages and transmits the change information of the enterprise ERP information according to the payment collection, the payment and the integrated fund management executed in the cyber branch system; A screen scraping control unit 162 which controls the screen scraping unit 180 to screen scrap the accounts registered by a predetermined deadline or a manager designated time; ERP information and payment receipts, which control the transmission of information to be reflected and stored in a database, and stored in a database by matching information on payment receipts and payments with customers, goods purchase / sales, etc. based on corporate ERP information The payment information matching unit 163 is configured.

Accordingly, the main management unit 160 receives various corporate ERP information from the corporate ERP system 10 and automatically sorts and matches them, thereby automatically updating the database 170, and daily and deadlines, weekly, monthly, and quarterly. Control the execution of payments, payments, integrated funds management, etc. at a fixed time or by a manager-designated time by year or year, and perform screen scraping and transfer control to update the results in the database 170. It stores and manages it, and performs the function of extracting and providing the corresponding information for the inquiry request.

3 is a block diagram of a cash storage management unit of the cyber branch system according to the present invention.

The payment management unit 120 performs the function of inquiring the payment details and managing the storage information under the control of the main manager 160 and also reflects the storage details in the information of the enterprise ERP system 10.

The payment management unit 120 controls the deposit information of the accounts scraped by the screen scraping unit 180 for each of the accounts under the control of the main management unit 160, the unpaid deposit and the virtual account system, and the transaction. A storage history inquiry unit 121 for receiving deposit information from a banking system, such as an information transmission CMS service, and retrieving a store storing history inquiry, a distribution store storing history inquiry and a monthly fee storing history; A storage information management unit 122 for managing the current status of the branch offices and the account information of each dealership, distributor, main account, etc. using the respective information; It includes a storage history ERP reflecting unit 123 to match the storage information and the customer and transaction information to reflect in the corporate ERP information of the enterprise ERP system 10.

4 is a block diagram of a payment management unit of the cyber branch system according to the present invention.

The payment management unit 130 is an ERP-linked batch payment unit 131 for processing cash batch payment according to the corporate ERP information, purchase card batch approval, salary batch payment, and branch bill payment according to the control of the main manager 160. )Wow; A case-by-case payment processing unit 132 for processing payments on a case-by-case basis such as account transfer, transfer to various accounts, and approval of purchase card cases for each case specified in relation to the purchase / sales of the enterprise ERP system 10; It is configured to include a Giro information management unit 133 to manage the Giro information by the customer status information.

5 is a block diagram of the integrated fund management unit of the cyber branch system according to the present invention.

The integrated fund management unit 140, as liquidity management, processes all bank account management, money distribution, and fund collection for each business division such as branch offices, agencies, branches, and workplaces.

An account integration management unit 141 for inquiring bank accounts managed and registered by the corporate ERP system 10 by a banking system and screen scraping, and auditing the withdrawal details to manage the account integration; A money distribution unit 142 for registering a money distribution file and executing a money distribution in accordance with a money distribution plan at each branch office, a branch office, a distribution store, and the like, and inquiring the result of the money distribution; And a fund collecting section 143 for registering and collecting money collection files to collect funds from the related and other related accounts to the main account for the amount more than the amount of funds maintained by the distribution of funds; and ; It includes a fund holding amount management unit 144 for managing the money holding amount information of each branch, branch and distribution stores, and an account information management unit 145 for managing each account information.

6 is a block diagram of the additional service management unit of the cyber branch system according to the present invention.

The additional service manager 150 may include a corporate card manager 151 for performing user management of a corporate card, authorization / purchase / billing history inquiry, and usage history registration of a corporate card; An electronic tax invoice management unit 152 for issuing the purchase invoice with respect to the purchase information and inquiring the tax invoice details; A financial risk management unit 153 for performing credit inquiry and diagnosis / analysis of branch management of a client; And an additional financial transaction and information providing unit 154 that provides additional financial transactions and information thereof.

The operation of the customized cyber branch system for the enterprise customer of the present invention configured as described above is as follows.

The cyber branch system 100 of the present invention is a customized comprehensive fund management system, which provides payment, payment now, liquidity management and additional services in accordance with the company's internal fund management process in connection with the corporate ERP system 10.

7 is an explanatory diagram showing a linkage relationship between a cyber branch system and an enterprise ERP system according to the present invention.

As shown in the figure, from the sales / logistics system for sales management in each enterprise ERP system of each enterprise (A company, B company, ..., etc.), account management information, order management information, goods receipt / delivery management information, The cyber branch system 100 receives the inventory management information, the performance management information, and the like, and manages the payment storage, and transmits the storage management information, that is, the storage metabolism transmission, to automatically update the sales / logistics system information of the enterprise ERP system. .

The cyber branch system 100 is to perform payment management of payment cards (cash), B2B finance, purchase cards, electronic bonds, bills / checks, etc. as payment.

In addition, ERP information is acquired from various payment systems and accounting systems, such as a payment system, a payroll system, and a refund system of a corporate ERP system, and the price is now managed. When the payment data is transmitted to the cyber branch system 100 in connection with information such as accounting management, account management, budget management, slip management, unpaid / unpaid management, and bill management of the accounting system, the cyber branch system 100 Payment management is performed through the management of withdrawal accounts (cash) and B2B financing through purchase cards, purchase loans, electronic bonds, bills and checks.

In addition, for the purchase, various payment processing related to the purchase is performed from the production / sale system for each company based on the account management, production management, sales management, and inventory management information.

In addition, liquidity management, that is, integrated fund management is to perform the fund collection and fund allocation of the account in connection with the payment and payment.

First, it will be described with reference to price storage as follows. The payment can be stored as a B2R, an account that a store, a distributor, etc. deposit through a CMS code and a virtual account, a B2B account that a company deposits with a purchase card, a purchase loan, cash, etc. Accounts, such as deposits with direct debit, are collectively managed through the screen scraping process through the screen scraping unit 180 and the Internet banking system 190.

As a payment storage service, it performs agency storage and distribution store storage, usage fee storage (fees, monthly service fee, etc.) and paper bill management services, including virtual account deposit, CMS code deposit, payment storage outsourcing management, and paper bill. It is performed by the management and the like, and through such processing, it is possible to inquire each account and to be able to receive the inquiry. Of course, since the cyber branch system 100 is interlocked with each management unit of the bank through the web management unit 110, the information to be confirmed by the administrator to check the work by the administrator designation to automatically register the information to perform the inquiry service It is to make it.

In addition, the payment process, the cash batch payment business, purchase card payment, salary payment, Jiro payment, etc., which is processed in conjunction with the Internet banking system 190, payment processing, and can be processed in real time payment and In addition, payment can be automatically processed in connection with the ERP system, B2B electronic payment can be performed, and batch payment processing can also be performed.

The integrated fund management for liquidity management performs the integrated account management, the collection of sales payouts, and the distribution of sales funds. The accounts are managed through the account information management unit 145, and the respective funds are maintained through the fund holding amount management unit 144. In managing the amount of money held, it conducts all bank consolidation account inquiry and withdrawal history audits, allocates funds and collects funds, and conducts pre / post audits. The audit process performs automatic audit based on transaction information, receipt information, withdrawal information, etc. by each ERP information.

Additional services include corporate card user management, approval / purchase / billing inquiry, corporate card management by usage history registration, tax invoice management and account credit inquiry, etc. Financial risk management will be performed through branch management diagnosis and analysis, and additional financial transactions will be performed.

As described above, the cyber branch system according to the present invention, in connection with the corporate ERP system and in connection with each financial system in the bank and external banking systems, will provide the company's payment receipt, price now, liquidity management and additional services, It enables the account inquiry of each account information received the corporate ERP information and performs payment, distribution, collection, etc. through interlocking with screen scraping technology and internet banking system.

 As described in detail above, according to the present invention, the Idle Money according to the real-time daily collection is minimized by performing the distribution of funds and the collection management by the integrated fund management, and it is possible to efficiently manage the collection amount even in the short term, thereby increasing the operating profit. The effect can be expected.

In addition, the collection of billing slips can be greatly reduced by managing the receipt of money, and it is possible to automate the remittance work through ERP linkage.In addition, various reports can be automated by reporting the inquiry information provided by the cyber branch system. There is an effect that becomes possible.

In addition, all the flow of funds associated with the corporate ERP system is processed in the cyber branch system, it is possible to identify and manage the company-wide cash flow in real time, it is possible to determine the real-time liquidity status and collection status.

In addition, it is possible to manage the authority of all bank accounts owned by the company, pre / post supervision of the execution of funds in branches, factories, etc., and ERP-linked online processing of the payment service, thereby preventing and preventing money accidents. There is.

Claims (6)

Web management unit connected to the ERP system 10 of the company, the user registration, basic information input, user authentication and authorization check, etc., connected to the cyber branch system through a web service, and provides various inquiries and information provision services 110; Intranet or network is connected to the ERP system 10 of the company, CD / ATM, Web, CTI, each management team of the bank, call center, account server and external linked servers, and other cooperative Internet banking systems, and in real time. Receives the company's ERP information, manages it with a database, and checks the deposit and withdrawal details of each account by screen scraping control, and controls the cyber branch function by matching transfer control and ERP information with the deposit and withdrawal history of each account. And main management unit 160; A billing storage management unit 120 for controlling billing details and storing information management under the control of the main manager 160 and reflecting the storage details in the information of the enterprise ERP system; A payment management unit 130 for controlling ERP-related collective payments, case-by-case payments, and information management by the main manager 160; An integrated fund management (liquidity management) unit 140 for managing all bank account management, money distribution, and fund collection for each business division such as branch offices, agencies, branches, and businesses; An additional service manager 150 for processing corporate cards, electronic tax invoice management and financial risk management; And And a screen scraping unit 180 for screen scraping transaction accounts registered from the enterprise ERP system 10 to obtain details of deposit and withdrawal details under the control of the main management unit 160. Custom cyber branch bank system for. The method of claim 1, wherein the main management unit 160, Connected to the enterprise ERP system 10 that has been authenticated by the user through the web management unit 110 receives real-time enterprise ERP information, such as purchase, sales and accounting information, and stores and manages in the database 170, cyber branch An ERP system interface unit 161 for transmitting change information of the enterprise ERP information according to the payment collection, the payment payment, and the integrated funds management executed in the system; A screen scraping control unit 162 which controls the screen scraping unit 180 to screen scrap the accounts that are registered in advance by a predetermined deadline or an administrator designated time; ERP information and payment receipt control, which controls the transmission of information to be reflected and stored in the database, and is reflected and stored in the database by matching the information on payment receipt and payment payments with customers, goods purchase / sales, etc. Customized cyber branch bank system for a corporate customer characterized in that it comprises a payment information matching unit (163). The method of claim 1, wherein the cash storage management unit 120, Banking, such as deposit information, accountless deposit, virtual account system, transaction information transmission CMS service, etc. of the accounts scraped by the screen scraping unit 180 for each account under the control of the main management unit 160 A storage history inquiry unit 121 for receiving deposit information from the system and retrieving a store storing history inquiry, a distribution store storing history inquiry and a monthly fee storing history; A storing information management unit 122 which manages the information status of the branch offices and the account information of the respective distributors, distributors, main accounts, etc. using the respective information; A customized cyber branch bank system for a corporate customer, comprising: a storage history ERP reflecting unit (123) configured to match the received information with the customer and the transaction information to reflect the corporate ERP information of the enterprise ERP system (10). According to claim 1, The payment management unit 130, An ERP-linked batch payment unit 131 for processing cash batch payment according to corporate ERP information, purchase card batch approval, salary batch payment, branch batch payment, etc. under the control of the main manager 160; A case-by-case payment processing unit 132 for processing payments on a case-by-case basis, such as account transfers, transfers to various accounts, approval of purchase card cases, etc. for each case specified in relation to purchase / sales of the enterprise ERP system 10; Customized cyber branch bank system for a corporate customer, characterized in that it comprises a Giro information management unit 133 for managing the Giro information by the customer status information. The method of claim 1, wherein the integrated fund management unit, An account integration management unit 141 for inquiring bank accounts managed and registered by the enterprise ERP system 10 by using an automated banking system and screen scraping, and auditing the withdrawal details and performing account integration management; A money distribution unit 142 for registering a money distribution file and executing a money distribution on the basis of a money distribution plan to each branch office, a branch office, a distributor, and the like, and inquiring the result of the money distribution; And a fund collecting section 143 for registering and collecting money collection files to collect funds from the related and other related accounts to the main account for the amount more than the amount of funds maintained by the distribution of funds; and ; A customized cyber branch for a corporate customer, comprising a fund holding amount management unit 144 managing money holding amount information of each branch, a branch office and a distribution store, and an account information managing unit 145 managing each account information. Bank system. The method of claim 1, wherein the additional service management unit, A corporate card management unit 151 for performing user management of a corporate card, inquiry of approval / purchase / billing details of a corporate card, registration of usage history, and the like; An electronic tax invoice management unit 152 for issuing the purchase invoice with respect to the purchase information and inquiring the tax invoice details; A financial risk management unit 153 for performing credit inquiry and diagnosis / analysis of branch management of a client; A cyber branch bank system customized for a corporate customer, comprising an additional financial transaction and information providing unit 154 for providing additional financial transactions and information thereof.

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