KR20090001925A - System and method for providing payment settlement plan information by industry cash flow and program recording medium - Google Patents

System and method for providing payment settlement plan information by industry cash flow and program recording medium Download PDF

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Publication number
KR20090001925A
KR20090001925A KR1020070052355A KR20070052355A KR20090001925A KR 20090001925 A KR20090001925 A KR 20090001925A KR 1020070052355 A KR1020070052355 A KR 1020070052355A KR 20070052355 A KR20070052355 A KR 20070052355A KR 20090001925 A KR20090001925 A KR 20090001925A
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KR
South Korea
Prior art keywords
information
cash flow
flow analysis
cash
financial
Prior art date
Application number
KR1020070052355A
Other languages
Korean (ko)
Inventor
이영훈
Original Assignee
주식회사 신한은행
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Priority to KR1020070052355A priority Critical patent/KR20090001925A/en
Publication of KR20090001925A publication Critical patent/KR20090001925A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models
    • G06Q10/063Operations research or analysis
    • G06Q10/0637Strategic management or analysis
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • G06Q40/025Credit processing or loan processing, e.g. risk analysis for mortgages
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3263Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements

Abstract

The present invention relates to a method and system for providing payment means information by means of corporate cash flow analysis and a program recording medium therefor. The method for providing information on payment means by means of corporate cash flow analysis according to the present invention comprises a predetermined information receiving means. Receiving at least one cash flow analysis target information including at least one of operating cash flow information, investment cash flow information, and financial cash flow information for a predetermined company from a predetermined terminal (a terminal or a corporate terminal of a financial institution); Analyzing the cash flow of the company by using the cash flow analysis target information in a predetermined information analyzing means; and processing the analyzed cash flow analysis information in association with the corporate information by a predetermined information storing means. Storing the data in a storage medium; Receiving payment amount information, and confirming payment means information corresponding to the received payment amount information based on cash flow analysis information of the company stored in the storage medium in a predetermined payment confirmation means; And providing the checked payment means information to the terminal in a predetermined information providing means.

Description

System and Method for Providing Payment Settlement Plan Information by Industry Cash Flow and Program Recording Medium}

1 is a diagram illustrating a cash flow analysis information registration system of a face-to-face method for analyzing the cash flow of a company according to an embodiment of the present invention.

2 is a diagram illustrating a cash flow analysis target information structure stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for analyzing the cash flow of the company according to an embodiment of the present invention.

3 is a diagram showing the configuration of cash flow analysis target information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for analyzing the cash flow of the company according to another embodiment of the present invention .

4 is a diagram showing the configuration of cash flow analysis target information stored in the DBMS provided in the banking server in a face-to-face manner for analyzing the cash flow of the company according to another embodiment of the present invention.

5A and 5B illustrate a process of registering cash flow analysis target information in a face-to-face manner according to an exemplary embodiment of the present invention.

6A and 6B illustrate a process of registering cash flow analysis target information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering cash flow analysis target information in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face cash flow analysis information registration system for analyzing a company's cash flow according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a cash flow analysis target information structure stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for analyzing the cash flow of the company according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating the configuration of cash flow analysis target information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner to analyze cash flow of a company according to another exemplary embodiment of the present invention. to be.

FIG. 11 is a diagram illustrating a cash flow analysis target information structure stored in a DBMS provided in a banking server in a non-face-to-face manner in order to analyze cash flow of a company according to another exemplary embodiment of the present invention.

12A and 12B illustrate a process of registering cash flow analysis target information in a non-face-to-face manner for analyzing a cash flow of a company according to an exemplary embodiment of the present invention.

13A, 13B, and 13C illustrate a process of registering cash flow analysis target information through a non-face-to-face financial transaction channel for analyzing a cash flow of a company according to an exemplary embodiment of the present invention.

14 is a diagram illustrating a non-face-to-face financial transaction system for recommending a payment method and providing an inter-company payment service according to a cash flow analysis result according to another exemplary embodiment of the present invention.

15 illustrates a ledger configuration corresponding to a corporate account provided in a financial system for a non-face-to-face financial transaction for recommending a payment method and providing an inter-company payment service according to a cash flow analysis result according to an embodiment of the present invention. Drawing.

FIG. 16 is a non-face-to-face payment method recommendation based on a cash flow analysis result and a payment method recommendation based on a cash flow analysis result and a financial service for providing an inter-company payment service according to an exemplary embodiment of the present invention. A diagram illustrating a process of processing a transaction.

17A and 17B are a non-face-to-face payment method recommendation and inter-company payment service in a non-face-to-face manner for recommending a payment method and providing an inter-company payment service according to a cash flow analysis result according to another exemplary embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for provision.

<Description of main parts of drawing>

1400: financial transaction server 1405: interface unit

1410: interface providing unit 1415: information receiving unit

1420: information provider 1425: validation unit

1430: payment confirmation unit 1435: financial transaction processing unit

1440: financial transaction terminal 1445: information D / B

155, 850: Analytical Information D / B

The present invention provides a cash flow comprising at least one or more operating cash flow information, investment cash flow information, financial cash flow information for a predetermined company from a predetermined terminal (window terminal or corporate terminal) in a predetermined information receiving means. Receiving the analysis target information, analyzing the cash flow of the enterprise using the cash flow analysis target information in a predetermined information analyzing means, and analyzing the analyzed cash flow analysis information in a predetermined information storage means; Storing the information on the predetermined storage medium in association with the enterprise information, receiving the payment amount information of the company from the terminal in the predetermined payment information receiving means, and transmitting the information on the storage medium by the predetermined payment confirmation means. Payment settlement corresponding to the received payment amount information based on the stored cash flow analysis information of the company A method to determine the diagnostic information, the present invention relates to a payment means information providing method according to the company cash flow analysis, which includes the step of providing the identified payment means information to the mobile station at a given informational means.

The rapid development of the modern society has been computerized, which can be easily processed by computerizing settlement of sales contracts between the purchasing company and the selling company.

However, the purchaser has various payment methods for the sales contract with the seller according to the company's capital flow, but it is difficult to select a payment method in consideration of all the various considerations in the application process.

In addition, if the payment method is not properly selected, the purchasing company may be difficult to manage corporate funds, thereby making it difficult to operate the purchasing company.

An object of the present invention for solving the above problems, includes at least one or more operating cash flow information, investment cash flow information, financial cash flow information for a given company from a predetermined terminal (window terminal or corporate terminal of a financial institution) Information receiving means for receiving the cash flow analysis target information, information analysis means for analyzing the cash flow of the company using the cash flow analysis target information, and the analyzed cash flow analysis information in association with the company information Information storage means for storing in a predetermined storage medium, payment information receiving means for receiving payment amount information of the company from the terminal, and the received cash flow analysis information based on the cash flow analysis information of the company stored in the storage medium. Payment confirmation means for confirming payment means information corresponding to the payment amount information and the confirmed payment The present invention provides a payment means information providing system by analyzing a company cash flow including information providing means for providing payment means information to the terminal.

The method for providing payment means information by analyzing the company cash flows according to the present invention includes operating cash flow information and investment cash for a given company from a predetermined terminal (a teller terminal or a company terminal of a financial institution) in a predetermined information receiving means. Receiving cash flow analysis target information including at least one of flow information and financial cash flow information, analyzing the cash flow of the company by using the cash flow analysis target information in a predetermined information analyzing means; Storing the analyzed cash flow analysis information in a predetermined storage medium in association with the company information in a predetermined information storage means, and receiving payment information of the company from the terminal in a predetermined payment information receiving means; And cash flow analysis tablet of the company stored in the storage medium in a predetermined payment confirmation means. Confirming payment means information corresponding to the received payment amount information, and providing the confirmed payment means information to the terminal in a predetermined information providing means. .

In the method for providing payment means information according to the company cash flow analysis according to the present invention, the cash flow analysis information for the company, cash inflow (sales / profit / deposit interest / dividend income, etc.) by the business activity of the company Analysis of cash flows through analysis and analysis of cash outflows (purchases, expenditures, loan interest expenses, corporate tax, etc.), cash outflows from investment activities of the companies (securities / land purchases, deposits, etc.) and cash inflows (oil prices) Cash flow analysis information through securities / land sales, etc.), cash inflows (short-term borrowings, debentures, capital increase, etc.) and cash inflows (short-term borrowings / debt repayments, etc.) Characterized in that it comprises at least one flow analysis information.

In the method for providing payment means information according to the analysis of corporate cash flows according to the present invention, the payment means is characterized in that it comprises at least one or more cash, loans to purchasers, general loans.

On the other hand, it includes a recording medium that records a program for executing the method for providing payment means information by the above-described corporate cash flow analysis.

On the other hand, the payment means information providing system by the company cash flow analysis according to the present invention, the operating cash flow information, investment cash flow information, financial information for a predetermined company from a predetermined terminal (the window terminal or the corporate terminal of a financial institution) Information receiving means for receiving cash flow analysis target information including at least one cash flow information, information analysis means for analyzing the cash flow of the company using the cash flow analysis target information, and the analyzed cash flow analysis Information storage means for processing the information in association with the enterprise information and storing in a predetermined storage medium, payment information receiving means for receiving payment information of the company from the terminal, and cash of the company stored in the storage medium. Payment for confirming payment means information corresponding to the received payment amount information based on flow analysis information And payment information confirming means and information providing means for providing the confirmed payment means information to the terminal.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a cash flow analysis information registration system of a face-to-face analysis for cash flow analysis of a company according to an embodiment of the present invention.

In more detail, Figure 1 shows that a given customer completes and submits a cash flow analysis application including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information for the company's cash flow analysis. In this case, a predetermined window terminal 185 acquires a predetermined image content corresponding to the cash flow analysis application through a predetermined image acquisition device, and the cash flow through a predetermined information registration interface to the cash flow analysis information registration system. When the cash flow analysis target information corresponding to the analysis application and the image content obtained from the cash flow analysis application are provided, a predetermined cash flow analysis application electronic document including the image content is generated and stored in a predetermined electronic document repository. And the customer information and sales included in the cash flow analysis target information. A system configuration for storing cash flow information, investment cash flow information, and financial cash flow information in a predetermined storage medium 155. Specifically, the electronic document repository analyzes the cash flow through a predetermined communication means. It relates to an implementation method provided on an external system associated with an information registration system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for configuring a cash flow analysis information registration system for analyzing a cash flow of a company. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the cash flow analysis information registration system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method illustrated in FIG. 1, the cash flow analysis application electronic document corresponding to the cash flow analysis application is described as being generated on the server side on the cash flow analysis information registration system. The present invention is not limited thereto, and the cash flow analysis request electronic document may be generated at a terminal that acquires image content corresponding to the cash flow analysis application through a predetermined image acquisition device (eg, provided at the server side). The electronic document generation function is provided on the terminal side to generate the cash flow analysis request electronic document), whereby the present invention is not limited.

Hereinafter, the cash flow analysis information and image contents corresponding to the cash flow analysis application prepared by the customer are provided through a predetermined information registration interface on the cash flow analysis information registration system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating an electronic document and storing it in a predetermined electronic document storage and storing the cash flow analysis target information in a predetermined storage medium 155 is referred to as "information registration." Server 100 ".

Referring to FIG. 1 according to an embodiment of the present invention, the cash flow analysis information registration system for analyzing the cash flow of the enterprise includes a terminal 185 provided at at least one financial institution branch (or branch). And an information registration terminal 190, wherein the information registration terminal 190 communicates with the information registration server 100 provided on the cash flow analysis information registration system through a predetermined financial network. Is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for analyzing the cash flow of the company, and through a window (or a teller) provided at the financial institution branch branch (branch branch). A certain cash flow analysis application for the cash flow analysis of the enterprise (e.g., a document with a form for filling in at least one information item for the cash flow analysis of the enterprise); It is desirable to seal the customer's seal for legal basis on the cash flow analysis application.

Subsequently, when the customer submits the completed cash flow analysis application to the teller, the teller scans the cash flow analysis application through a predetermined image acquisition device to obtain predetermined image content, and a predetermined teller terminal ( 185) a cash flow including at least one image content obtained in response to the cash flow analysis application and at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information written in the cash flow analysis application. Input (or select) analysis target information, and correspondingly, the counter terminal 185 is configured to register the image content and cash flow analysis target information on the cash flow analysis information registration system through the financial network. It is preferable to transmit to 100.

Here, the window terminal 185 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 185 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 185 and the information registration server 100 is connected to the window terminal 185 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the cash flow analysis information registration system as described above, an image acquisition device for acquiring image contents corresponding to the cash flow analysis application created by the customer, a teller terminal 185 and the teller terminal 185 used by the employee. The financial network connecting the information registration server 100 performs a function of an information registration interface for the customer to register the cash flow analysis target information for the cash flow analysis of the company.

The storage medium 155 provided on the cash flow analysis information registration system according to the present invention includes the customer information, business cash flow information, and the like contained in the cash flow analysis target information provided from the information registration terminal 190. The investment cash flow information and the financial cash flow information may be stored in a predetermined storage medium 155 by linkage processing.

The customer information includes the company information of the customer (e.g., company name, business registration number, business address, business phone number, e-mail address, etc.) and the member information of the customer (e.g. the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the cash flow analysis information registration system corresponding to the customer by subscribing as a financial transaction customer of the financial institution Number or the like), and the like.

The operating cash flow information preferably includes at least one of operating cash inflow information or operating cash outflow information corresponding to the sales activity.

The operating cash inflow information included in the operating cash flow information is based on the cash inflow from general commerce such as sales of products or products of the company, cash inflows from trade receivables (receivables or notes received), interest income and dividend income. It is desirable to include at least one or more cash inflows, cash inflows from all other non-financial activities and transactions.

The information on cash outflows included in the cash flow information includes cash outflows from general transactions such as purchasing raw materials or commodities, cash outflows from trade payables (trade payables or notes), and cash to suppliers or employees of other goods and services. It is desirable to include at least one outflow, cash outflows from unpaid income tax, cash outflows from interest expense, and cash outflows from other investments and transactions that do not belong to finance.

The investment cash flow information may include at least one of investment cash inflow information or investment cash outflow information corresponding to the investment activity.

The investment cash inflow information included in the investment cash flow information includes the collection of loans (e.g. short-term loans or long-term loans), disposal of securities (e.g., short-term securities, available-for-sale securities, held-to-maturity securities, and equity method). Disposal of at least one stock, etc.), disposal of current assets (eg, disposal of short-term financial instruments, receivables, etc.), disposal of investment assets (eg, disposal of long-term financial instruments, long-term receivables, investment property, deposits, etc.), types It is preferable to include at least one or more of disposal of assets (eg, land, buildings, machinery, vehicle transportation equipment, air-conditioning, etc.), intangible assets (disposal of goodwill, industrial property, etc.).

The investment cash outflow information included in the investment cash flow information includes loans of cash (for example, increases in short-term loans or long-term loans), acquisition of securities (for example, short-term securities, available-for-sale securities, maturity securities, and equity method). Acquisition of stocks, etc., acquisition of current assets (eg, acquisition of short-term financial instruments, receivables, etc.), acquisition of investment assets (eg, acquisition of long-term financial instruments, long-term receivables, investment property, deposits, etc.), acquisition of tangible assets (E.g., acquisition of land, buildings, machinery, vehicle transport equipment, air supplies, etc.) and the like.

Preferably, the financial cash flow information includes at least one financial cash inflow information or financial cash outflow information corresponding to the financial.

Financial cash inflow information included in the financial cash flow information includes: increase in debt (eg increase in unpaid pay, borrowing of short or long term borrowings, issue of bonds, etc.), increase in capital (eg issue of shares, disposal of treasury shares). It is preferable that it comprises at least one or more).

The financial cash outflow information included in the financial cash flow information includes: debt reduction (e.g. reduction of unpaid debt, repayment of short-term or long-term borrowings, repayment of debentures, etc.), reduction of capital (e.g. payment of dividends, paid-offs, self Acquisition of stocks, or the like).

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the cash flow analysis information registration system (or associated with the cash flow analysis information registration system). In this case, the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 155 is provided on (or associated with) the cash flow analysis information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the cash flow analysis information registration system according to the present invention is a generic term for components of the cash flow analysis information registration system side connected to the information registration terminal 190 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 190 is a window terminal 185 connected to a predetermined financial network, the information registration server 100 is connected to the window terminal 185 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 190 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 190 is a window terminal 185 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 185, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program provided in the window terminal 185 It is preferable.

Referring to FIG. 1, when the predetermined information registration terminal 190 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the company Acquires the image content corresponding to the cash flow analysis application written by the customer through a predetermined image acquisition device provided in the information registration terminal 190 for analyzing the cash flow of the cash flow, and corresponds to the cash flow analysis application Generate (or extract) at least one user interface for inputting (or selecting) analysis target information to be transmitted to the information registration server 100, and generating (or extracting) the data in association with the interface unit 105. Interface providing unit 110 for providing a user interface to the information registration terminal 190, and the information registration terminal 190 through the user interface When the cash flow analysis target information corresponding to the cash flow analysis application is input (or selected) and transmitted, the cash flow analysis target information received from the information registration terminal 190 in connection with the interface unit 105 is received. When the information receiving unit 115 and the information registration terminal 190 acquires and transmits image contents corresponding to the cash flow analysis application written by the customer through a predetermined image obtaining apparatus based on the user interface, the interface unit. And an image receiving unit 120 that receives image contents corresponding to the cash flow analysis application in connection with 105.

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. When requesting a user interface for analyzing the cash flow of the company, through the predetermined image acquisition device provided in the information registration terminal 190 obtains the image content corresponding to the cash flow analysis application prepared by the customer, the cash flow Generate at least one user interface for inputting (or selecting) cash flow analysis target information corresponding to the analysis application to be transmitted to the information registration server 100 through the financial network; Omit) and extract the generated (or extracted) user interface in conjunction with the interface unit 105 through the financial network. It is characterized in that provided to the information registration terminal 190.

According to another exemplary embodiment of the present invention, the information registration terminal 190 acquires image contents corresponding to the cash flow analysis application written by the customer through a predetermined image acquisition device, and cash flow corresponding to the cash flow analysis application. When a predetermined information registration program having at least one user interface for inputting (or selecting) analysis target information to be transmitted to the information registration server 100 through the financial network is provided, the predetermined image as described above is provided. Acquire an image content corresponding to the cash flow analysis application prepared by the customer through an acquisition device, input (or select) cash flow analysis target information corresponding to the cash flow analysis application, and transmit it to the information registration server 100. Generate (or extract) a user interface to the information registration terminal 190. Interface providing unit 110 may be omitted mubang to, and which the present invention is not limited.

Thereafter, the information registration terminal 190 inputs (or selects) cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information through the user interface. In addition, the input (or selected) cash flow analysis target information is transmitted to the information registration server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105. Characterized in that for receiving the cash flow analysis target information transmitted from the information registration terminal 190.

In addition, the information registration terminal 190 obtains the image content corresponding to the cash flow analysis application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; The image receiving unit 120, in response thereto, receives image contents corresponding to the cash flow analysis application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the information registration terminal 190 acquires image content corresponding to the cash flow analysis application written by the customer through a predetermined image acquisition device and is provided to the information registration terminal 190. When the information is stored in a predetermined storage device (or associated), the information registration terminal 190 may request a cash flow analysis application written by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select the image content corresponding to the transmission to the information registration server 100 through the financial network, in response to the image receiving unit 120 in response to the cash flow analysis application in conjunction with the interface unit 105 It is desirable to receive the image content.

According to another exemplary embodiment of the present invention, the image content corresponding to the cash flow analysis application written by the customer in the information registration terminal 190 and the cash flow analysis target information corresponding to the cash flow analysis application. In the case of transmitting together, the information receiver 115 may receive the image content corresponding to the cash flow analysis application and the cash flow analysis target information together with the interface unit 105 (for example, the image receiver). 120 is integrated into the information receiving unit 115, and the present invention is not limited thereto.

Referring to FIG. 1, when the cash flow analysis target information transmitted from the information registration terminal 190 is received through the information receiving unit 115, the information registration server 100 receives the received cash flow analysis target information. Is characterized in that it comprises a validity check unit 125 to determine whether the validity for the cash flow analysis of the company.

According to an embodiment of the present invention, the validation of the cash flow analysis target information is at least one ledger matched with the cash flow analysis target information in the ledger D / B on the financial system associated with the cash flow analysis information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 125 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the cash flow analysis information registration system among information included in the cash flow analysis target information. It is preferable to include a check that matches the customer ledger stored in the D / B.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 190 through the image receiving unit 120, and receives the cash through the validity checking unit 125. When the validity of the flow analysis target information is authenticated, the electronic document generation unit 130 for generating a predetermined cash flow analysis request electronic document including the received image content and the generated cash flow analysis request electronic document And an electronic document transmission unit 135 for transmitting to the electronic document repository associated with the cash flow analysis information registration system.

The electronic document generation unit 130 may generate an advisory before cash flow analysis application including the image content received from the information registration terminal 190 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 stores the image file including the image content received from the information registration terminal 190 through the image receiving unit 120 as it is, the cash of the enterprise. It is desirable to process the cash flow analysis application electronic document for flow analysis.

Alternatively, the electronic document generating unit 130 includes the image content received from the information registration terminal 190 through the image receiving unit 120 in the cash flow analysis target information received through the information receiving unit 115. An image file corresponding to an image content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information, and financial cash flow information in a watermarking manner. It is desirable to create a flow analysis application electronic document.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 190 through the image receiving unit 120) Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a cash flow analysis application electronic document for cash flow analysis.

Alternatively, the electronic document generating unit 130 includes the image content received from the information registration terminal 190 through the image receiving unit 120 in the cash flow analysis target information received through the information receiving unit 115. A predetermined document including image information including at least one or more of customer information, business cash flow information, investment cash flow information, and financial cash flow information by a watermarking method, and including the generated image content By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 190 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one received cash flow analysis target information, or By generating a web document file including the MHT, etc.), it is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Alternatively, the electronic document generating unit 130 includes the image content received from the information registration terminal 190 through the image receiving unit 120 in the cash flow analysis target information received through the information receiving unit 115. Generating an image content including at least one of customer information, sales cash flow information, investment cash flow information, and financial cash flow information by a watermarking method, and the generated image content and the cash flow analysis object. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130 and the technical features to generate the cash flow analysis application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the cash flow analysis request electronic document, and a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the cash flow analysis request electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the cash flow analysis information registration system. It features.

As shown in FIG. 1, the electronic document repository is connected to an information registration server 100 on the cash flow analysis information registration system and a predetermined electronic document server 160 and electronic document D / B linked through predetermined communication means. When provided to the outside, including the 180, the electronic document transmission unit 135 is the electronic document server through the communication means for the cash flow analysis request electronic document generated by the electronic document generation unit 130 Characterized in that the transmission to (160).

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside the cash flow analysis information registration system, the electronic document server 160 and the electronic document D / B (180) ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the cash flow analysis information registration system, the electronic document transmitting unit 135 is generated by the electronic document generating unit 130. It is possible to store the cash flow analysis application electronic document is stored in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the cash flow analysis information registration system, whereby the present invention is not limited. .

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document-related information (eg, a cash flow corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 160. The customer information on which the application for analysis is prepared, and / or financial institution information for transmitting the cash flow analysis request electronic document, and / or electronic document file format information, and / or the cash flow analysis target information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the information registration server 100 verifies that the cash flow analysis target information received through the information receiving unit 115 is valid for analyzing the cash flow of the company through the validity checking unit 125. When the information is stored, the target information is stored in a predetermined storage medium 155 by linking and processing the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information included in the validated cash flow analysis target information. It is characterized by comprising a portion 140.

When the validity of the cash flow analysis target information is confirmed by the validity confirming unit 125, the target information storage unit 140 includes customer information, business cash flow information, and investment cash included in the cash flow analysis target information. Characterized in that the flow information, financial cash flow information is processed in association with the storage medium 155, the storage medium 155 is provided in the information registration server 100, or the information registration server 100 When provided on the network associated with the), the target information storage unit 140 links customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis information Preferably, the storage medium 155 is processed and stored in the storage medium 155. When the storage medium 155 is provided in a DBMS provided on a financial system, the target information storage unit 140 receives the received string. It is preferable to provide customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the gold flow analysis information to the information system through the external system on the financial system and store them in a DBMS provided on the financial system. .

Referring to FIG. 1, the information registration server 100 processes the customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received from the information storage unit. When the storage medium 155 is stored in the storage medium 155, the cash flow corresponding to the cash flow analysis target information including at least one of the stored customer information, operating cash flow information, investment cash flow information, and financial cash flow information may be used. The customer information included in the cash flow analysis target information includes cash flow analysis information corresponding to the cash flow analysis target information stored in the flow analysis unit 145 and the cash flow analysis unit 145 in the information storage unit. And an analysis information storage unit 150 for storing the data in the storage medium 155 in association with the processing.

The cash flow analysis unit 145 processes the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information included in the cash flow analysis target information received from the information storage unit in the storage medium ( 155), the cash flow corresponding to the cash flow analysis target information including at least one or more of the stored customer information, operating cash flow information, investment cash flow information, and financial cash flow information.

According to an embodiment of the present invention, the cash flow analysis unit 145 may include customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received from the information storage unit. When the associated processing is stored in the storage medium 155, the cash flow corresponding to the cash flow analysis target information including at least one or more of the stored customer information, operating cash flow information, investment cash flow information, financial cash flow information It is desirable to analyze.

In addition, in the process of analyzing the cash flows, a weight may be applied to the operating cash flow information included in the cash flow analysis book information.

Further, in the process of analyzing the cash flows, a weight may be applied to the investment cash flow information included in the cash flow analysis book information.

In addition, in the process of analyzing the cash flows, a weight may be applied to the financial cash flow information included in the cash flow analysis book information.

According to an exemplary embodiment of the present invention, the cash flow analysis method for the operating cash flow information included in the cash flow analysis target information includes the cash inflow amount corresponding to the operating cash inflow information included in the operating cash flow information. If the amount of cash inflow information included in the operating cash flow information is greater than the valuation of the company according to a predetermined classification method, or the cash inflow amount corresponding to the operating cash inflow information included in the operating cash flow information. When less than the operating cash outflow information included in the operating cash flow information, it is preferable to display the evaluation of the company lower according to a predetermined classification method.

According to another exemplary embodiment of the present invention, the cash flow analysis method for the investment cash flow information included in the cash flow analysis target information includes a cash inflow amount corresponding to the investment cash inflow information included in the investment cash flow information. If the investment cash outflow information included in the investment cash flow information is greater than the cash inflow information corresponding to the investment evaluation or the cash inflow information included in the investment cash flow information, When the amount is less than the investment cash outflow information included in the investment cash flow information, it is preferable to display the valuation of the company lower according to a predetermined classification method.

According to another exemplary embodiment of the present invention, the cash flow analysis method for the financial cash flow information included in the cash flow analysis target information includes the cash inflow amount corresponding to the financial cash inflow information included in the financial cash flow information. When the financial cash flow information included in the financial cash flow information is greater than the cash flow information, the valuation of the company may be displayed according to a predetermined classification method, or the cash corresponding to the financial cash inflow information included in the financial cash flow information. When the amount of inflow is less than the financial cash outflow information included in the financial cash flow information, it is preferable to display the valuation of the company lower according to a predetermined classification method.

The analysis information storage unit 150 includes the cash flow analysis information corresponding to the cash flow analysis target information stored in the information storage unit in the cash flow analysis unit 145 in the cash flow analysis target information. The information is stored in the storage medium 155 in association with information.

According to the method of the present invention, the analysis information storage unit 150 is the cash flow analysis unit 145, the cash flow analysis information corresponding to the cash flow analysis target information stored in the information storage unit the cash flow It is preferable to store the data in the storage medium 155 in association with the customer information included in the analysis target information.

Referring to FIG. 1, a predetermined cash flow analysis request electronic document is received from the information registration server 100 provided on the cash flow analysis information registration system, and stored in a predetermined electronic document D / B 180. The electronic document server 160 includes an electronic document receiver 165 for receiving a predetermined cash flow analysis request electronic document from the information registration server 100 through a predetermined communication means, and the received cash flow analysis request electronics. An information generation unit 170 for generating predetermined electronic document management information for storing and managing a document in the electronic document D / B 180, and the electronic document management information and the cash flow analysis request electronic document And an electronic document storage unit 175 for storing in the predetermined electronic document D / B 180.

The electronic document receiving unit 165 receives the cash flow analysis request electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to the exemplary embodiment of the present invention, the cash flow analysis request electronic document received by the electronic document receiving unit 165 through the communication means is an image received by the information registration server 100 from the information registration terminal 190. It is preferable that the image file including the content is included as it is.

Alternatively, the cash flow analysis request electronic document received by the electronic document receiving unit 165 through the communication means is the cash flow analysis on the image content received by the information registration server 100 from the information registration terminal 190. It is preferable to include an image file corresponding to an image content including at least one or more of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the target information by a watermarking method. Do.

According to another exemplary embodiment of the present invention, the cash flow analysis request electronic document received by the electronic document receiver 165 through the communication means is received by the information registration server 100 from the information registration terminal 190. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the cash flow analysis request electronic document received by the electronic document receiving unit 165 through the communication means is the cash flow analysis target on the image content received by the information registration server 100 from the information registration terminal 190. A predetermined document file (e.g., PDF) containing image contents including at least one or more of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the information by watermarking. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, the cash flow analysis request electronic document received by the electronic document receiving unit 165 through the communication means is received by the information registration server 100 from the information registration terminal 190. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including one image content and the cash flow analysis target information. File, or a web document file including MHT).

Alternatively, the cash flow analysis request electronic document received by the electronic document receiving unit 165 through the communication means is the cash flow analysis target on the image content received by the information registration server 100 from the information registration terminal 190. Image content including at least one or more of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the information by a watermarking method, and a predetermined content including the cash flow analysis target information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the cash flow analysis request electronic document received through the electronic document receiving unit 165, and through the electronic document receiving unit 165 And generating electronic document management information including electronic document storage date and time information including a date and time at which the cash flow analysis request electronic document is received (or a date and time at which the cash flow analysis request electronic document is stored). .

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the cash flow analysis request electronic document received through the electronic document receiving unit 165, referring to the information registration server 100 that transmits the cash flow. It is preferable to identify the financial institution that has sent the analysis request electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100 through the electronic document receiving unit 165, the information generating unit 170 receives the received information. Electronic document-related information (e.g., customer information for which a cash flow analysis application corresponding to the image content is prepared, and / or financial institution information for transmitting the cash flow analysis request electronic document, and / or electronic document file format information, and And / or the electronic document management information further including the cash flow analysis target information).

The electronic document storage unit 175 associates a cash flow analysis request electronic document received through the electronic document receiving unit 165 with electronic document management information generated by the information generating unit 170 to process a predetermined electronic document. It is characterized in that the storage in the D / B (180).

According to the exemplary embodiment of the present invention, the cash flow analysis request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the information registration server 100 in the information registration terminal ( Preferably, the image file including the image content received from 190 is included.

Alternatively, the cash flow analysis request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the image received by the information registration server 100 from the information registration terminal 190. An image file corresponding to an image content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information in a watermarking manner. It is preferable to comprise a.

According to another embodiment of the present invention, the cash flow analysis request electronic document that the electronic document storage unit 175 stores in the electronic document D / B 180 is the information registration server 100 is the information registration terminal A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC or the like) including at least one predetermined document file including image content received from 190, Or a web document file including the MHT).

Alternatively, the cash flow analysis request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is an image content received by the information registration server 100 from the information registration terminal 190. A predetermined document including image content including at least one or more information of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information in a watermarking manner; A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

According to another embodiment of the present invention, the cash flow analysis request electronic document that the electronic document storage unit 175 stores in the electronic document D / B 180, the information registration server 100 is the information registration server 100; A predetermined document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content and the cash flow analysis target information received from the registration terminal 190 And at least one word processor file or at least one web document file including the MHT.

Alternatively, the cash flow analysis request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is an image content received by the information registration server 100 from the information registration terminal 190. The image content and the cash flow analysis target that includes at least one or more information of the customer information, operating cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis information in a watermarking method A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the cash flow analysis request electronic document is stored in the cash flow analysis. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the cash flow analysis request electronic document is stored in the cash flow. Preferably, the financial institution further includes information on the financial institution that transmitted the cash flow analysis request electronic document, which has been identified with reference to the information registration server 100 that transmitted the analysis request electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document-related information is further received from the information registration server 100, the electronic document storage unit 175 is processed in association with the cash flow analysis request electronic document The electronic document management information stored in the electronic document D / B 180 may include the received electronic document related information (for example, customer information for preparing a cash flow analysis application corresponding to the image content, and / or the cash flow analysis). Financial institution information for transmitting the application electronic document, and / or electronic document file format information, and / or the cash flow analysis target information, etc.).

2 is a diagram showing the configuration of cash flow analysis target information stored in the ledger D / B 200 provided in the DBMS on the financial system in a face-to-face manner for analyzing the cash flow of the company according to an embodiment of the present invention.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 155 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. An information structure for an exemplary embodiment of storing cash flow analysis target information including the customer information, operating cash flow information, investment cash flow information, and financial cash flow information is shown. Those skilled in the art will be able to infer various information construction methods for storing the cash flow analysis target information in the ledger D / B 200 by referring to and / or modifying the drawing 2, but the present invention provides the analogy. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the cash flow analysis target information provided through the cash flow analysis information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger, and the cash flow analysis target information. The customer information, operating cash flow information, investment cash flow information, financial cash flow information is characterized by comprising at least one or more.

The customer information includes the company information of the customer (e.g., company name, business registration number, business address, business phone number, e-mail address, etc.) and the member information of the customer (e.g. the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the cash flow analysis information registration system corresponding to the customer by subscribing as a financial transaction customer of the financial institution Number or the like), and the like.

The operating cash flow information preferably includes at least one of operating cash inflow information or operating cash outflow information corresponding to the sales activity.

The operating cash inflow information included in the operating cash flow information is based on the cash inflow from general commerce such as sales of products or products of the company, cash inflows from trade receivables (receivables or notes received), interest income and dividend income. It is desirable to include at least one or more cash inflows, cash inflows from all other non-financial activities and transactions.

The cash flow information contained in the above cash flow information includes cash outflows from general transactions such as purchasing raw materials or commodities, cash outflows from trade payables (trade payables or notes payable), and cash to suppliers or employees of other goods and services. It is desirable to include at least one outflow, cash outflows from unpaid corporate tax, cash outflows from interest expense, and cash outflows from other investments and transactions that are not part of finance.

The investment cash flow information may include at least one of investment cash inflow information or investment cash outflow information corresponding to the investment activity.

The investment cash inflow information included in the investment cash flow information includes the collection of loans (e.g. short-term loans or long-term loans), disposal of securities (e.g., short-term securities, available-for-sale securities, held-to-maturity securities, and equity method). Disposal of at least one stock, etc.), disposal of current assets (eg, disposal of short-term financial instruments, receivables, etc.), disposal of investment assets (eg, disposal of long-term financial instruments, long-term receivables, investment property, deposits, etc.), types It is preferable to include at least one or more of disposal of assets (eg, land, buildings, machinery, vehicle transportation equipment, air-conditioning, etc.), intangible assets (disposal of goodwill, industrial property, etc.).

The investment cash outflow information included in the investment cash flow information includes loans of cash (for example, increases in short-term loans or long-term loans), acquisition of securities (for example, short-term securities, available-for-sale securities, maturity securities, and equity method). Acquisition of stocks, etc., acquisition of current assets (eg, acquisition of short-term financial instruments, receivables, etc.), acquisition of investment assets (eg, acquisition of long-term financial instruments, long-term receivables, investment property, deposits, etc.), acquisition of property, plant and equipment (E.g., acquisition of land, buildings, machinery, vehicle transport equipment, air supplies, etc.) and the like.

Preferably, the financial cash flow information includes at least one financial cash inflow information or financial cash outflow information corresponding to the financial.

Financial cash inflow information included in the financial cash flow information includes: increase in debt (eg increase in unpaid pay, borrowing of short or long term borrowings, issue of bonds, etc.), increase in capital (eg issue of shares, disposal of treasury shares). It is preferable that it comprises at least one or more).

The financial cash outflow information included in the financial cash flow information includes: debt reduction (e.g. reduction of unpaid debt, repayment of short-term or long-term borrowings, repayment of debentures, etc.), reduction of capital (e.g. payment of dividends, paid-offs, self Acquisition of stocks, or the like).

According to another exemplary embodiment of the present invention, the cash flow analysis target information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

Figure 3 illustrates the configuration of cash flow analysis target information stored in the database associated with the ledger D / B 300 provided in the DBMS on the financial system in a face-to-face manner for analyzing the cash flow of the company according to another embodiment of the present invention One drawing.

In more detail, FIG. 3 shows an information structure for an embodiment in which the storage medium 155 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 300 provided in the DBMS on the financial system. As shown in the drawings, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 and include the cash flow analysis subject information in a predetermined database with the ledger D / B 300. It will be possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates that when it is not easy to store the cash flow analysis target information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, in the policy of a financial institution, When it is not easy to change the ledger D / B 300, or the system expansion is not easy due to the characteristics of the financial system), the cash flow analysis target information is stored in a predetermined database instead of the ledger D / B 300. And an implementation method of storing the database in association with the database and the ledger D / B 300.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 3, the database is characterized by storing the customer information, operating cash flow information, investment cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis target information, the cash flow analysis The target information may further include a CIF number corresponding to the ledger information in the cash flow analysis target information to be linked to the ledger D / B 300.

The customer information includes the company information of the customer (e.g., company name, business registration number, business address, business phone number, e-mail address, etc.) and the member information of the customer (e.g. the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the cash flow analysis information registration system corresponding to the customer by subscribing as a financial transaction customer of the financial institution Number or the like), and the like.

The operating cash flow information preferably includes at least one of operating cash inflow information or operating cash outflow information corresponding to the sales activity.

The operating cash inflow information included in the operating cash flow information is based on the cash inflow from general commerce such as sales of products or products of the company, cash inflows from trade receivables (receivables or notes received), interest income and dividend income. It is desirable to include at least one or more cash inflows, cash inflows from all other non-financial activities and transactions.

The information on cash outflows included in the cash flow information includes cash outflows from general transactions such as purchasing raw materials or commodities, cash outflows from trade payables (trade payables or notes), and cash to suppliers or employees of other goods and services. It is desirable to include at least one outflow, cash outflows from unpaid income tax, cash outflows from interest expense, and cash outflows from other investments and transactions that do not belong to finance.

The investment cash flow information may include at least one of investment cash inflow information or investment cash outflow information corresponding to the investment activity.

The investment cash inflow information included in the investment cash flow information includes the collection of loans (e.g. short-term loans or long-term loans), disposal of securities (e.g., short-term securities, available-for-sale securities, held-to-maturity securities, and equity method). Disposal of at least one stock, etc.), disposal of current assets (eg, disposal of short-term financial instruments, receivables, etc.), disposal of investment assets (eg, disposal of long-term financial instruments, long-term receivables, investment property, deposits, etc.), types It is preferable to include at least one or more of disposal of assets (eg, land, buildings, machinery, vehicle transportation equipment, air-conditioning, etc.), intangible assets (disposal of goodwill, industrial property, etc.).

The investment cash outflow information included in the investment cash flow information includes loans of cash (for example, increases in short-term loans or long-term loans), acquisition of securities (for example, short-term securities, available-for-sale securities, maturity securities, and equity method). Acquisition of stocks, etc., acquisition of current assets (eg, acquisition of short-term financial instruments, receivables, etc.), acquisition of investment assets (eg, acquisition of long-term financial instruments, long-term receivables, investment property, deposits, etc.), acquisition of tangible assets (E.g., acquisition of land, buildings, machinery, vehicle transport equipment, air supplies, etc.) and the like.

Preferably, the financial cash flow information includes at least one financial cash inflow information or financial cash outflow information corresponding to the financial.

Financial cash inflow information included in the financial cash flow information includes: increase in debt (eg increase in unpaid pay, borrowing of short or long term borrowings, issue of bonds, etc.), increase in capital (eg issue of shares, disposal of treasury shares). It is preferable that it comprises at least one or more).

The financial cash outflow information included in the financial cash flow information includes: debt reduction (e.g. reduction of unpaid debt, repayment of short-term or long-term borrowings, repayment of debentures, etc.), reduction of capital (e.g. payment of dividends, paid-offs, self Acquisition of stocks, or the like).

4 is a diagram illustrating a cash flow analysis target information configuration stored in the DBMS provided in the banking server 400 in a face-to-face manner for analyzing the cash flow of the company according to another embodiment of the present invention.

In more detail, FIG. 4 shows that the storage medium 155 shown in FIG. 1 is provided with an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. Regarding one embodiment provided in the DBMS provided in the banking server 400, those skilled in the art, at least one or more banking server by referring to and / or modifying the present invention Although it may be possible to infer a method of constructing information on the cash flow analysis target information stored in a predetermined DBMS provided at 400, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method alone.

Referring to FIG. 4, a predetermined DBMS provided in the banking server 400 links and processes customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. It is characterized by storing.

The customer information includes the company information of the customer (e.g., company name, business registration number, business address, business phone number, e-mail address, etc.) and the member information of the customer (e.g. the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the cash flow analysis information registration system corresponding to the customer by subscribing as a financial transaction customer of the financial institution Number or the like), and the like.

The operating cash flow information preferably includes at least one of operating cash inflow information or operating cash outflow information corresponding to the sales activity.

The operating cash inflow information included in the operating cash flow information is based on the cash inflow from general commerce such as sales of products or products of the company, cash inflows from trade receivables (receivables or notes received), interest income and dividend income. It is desirable to include at least one or more cash inflows, cash inflows from all other non-financial activities and transactions.

The information on cash outflows included in the cash flow information includes cash outflows from general transactions such as purchasing raw materials or commodities, cash outflows from trade payables (trade payables or notes), and cash to suppliers or employees of other goods and services. It is desirable to include at least one outflow, cash outflows from unpaid income tax, cash outflows from interest expense, and cash outflows from other investments and transactions that do not belong to finance.

The investment cash flow information may include at least one of investment cash inflow information or investment cash outflow information corresponding to the investment activity.

The investment cash inflow information included in the investment cash flow information includes the collection of loans (e.g. short-term loans or long-term loans), disposal of securities (e.g., short-term securities, available-for-sale securities, held-to-maturity securities, equity method). Disposal of at least one applied stock, etc.), disposal of current assets (eg, disposal of short-term financial instruments, receivables, etc.), disposal of investment assets (eg, disposal of long-term financial instruments, long-term receivables, investment property, deposits, etc.), It is preferable to include at least one or more of the disposal of tangible assets (for example, disposal of land, buildings, machinery, vehicle transport equipment, air supplies, etc.), disposal of intangible assets (disposal of goodwill, industrial property, etc.).

The investment cash outflow information included in the investment cash flow information includes loans of cash (for example, increases in short-term loans or long-term loans), acquisition of securities (for example, short-term securities, available-for-sale securities, maturity securities, and equity method). Acquisition of stocks, etc., acquisition of current assets (eg, acquisition of short-term financial instruments, receivables, etc.), acquisition of investment assets (eg, acquisition of long-term financial instruments, long-term receivables, investment property, deposits, etc.), acquisition of tangible assets (E.g., acquisition of land, buildings, machinery, vehicle transport equipment, air supplies, etc.) and the like.

Preferably, the financial cash flow information includes at least one financial cash inflow information or financial cash outflow information corresponding to the financial.

The financial cash inflow information included in the financial cash flow information includes: increase in debt (eg increase in unpaid pay, borrowing of short or long term borrowings, issue of bonds, etc.), increase in capital (eg, issuance of shares, treasury shares). At least one or more).

The financial cash outflow information included in the financial cash flow information includes: debt reduction (e.g. reduction of unpaid debt, repayment of short-term or long-term borrowings, repayment of debentures, etc.), reduction of capital (e.g. payment of dividends, paid-offs, self Acquisition of stocks, or the like).

5A and 5B illustrate a process of registering cash flow analysis target information in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, Figures 5a and 5b is a window terminal 185 provided with the information registration terminal 190 on the cash flow analysis information registration system shown in FIG. 1 at a financial institution branch (or branch), and the information registration. In the case where the server 100 has a ledger server (not shown) function on the financial system associated with the counter terminal 185 through a predetermined financial network, the predetermined customer receives customer information, for analyzing the cash flow of the company. After completing and submitting a cash flow analysis application including at least one of operating cash flow information, investment cash flow information, and financial cash flow information, the cash flow analysis application through a predetermined image acquisition device at a predetermined window terminal 185. Acquire a predetermined image content corresponding to the and correspond to the cash flow analysis application through the cash flow analysis information registration system through a predetermined information registration interface. When providing the cash flow analysis target information and the image content obtained from the cash flow analysis application, generates a predetermined cash flow analysis application electronic document including the image content and store in a predetermined electronic document storage, the cash A method for performing the process of linking the customer information, business cash flow information, investment cash flow information, financial cash flow information included in the flow analysis target information to a predetermined storage medium 155, and specifically, the counter terminal After obtaining the predetermined image content corresponding to the cash flow analysis application through a predetermined image acquisition device at 185 and transmitting it to the information registration server 100, the cash flow analysis target corresponding to the cash flow analysis application A method of inputting (or selecting) information and transmitting the information to the information registration server 100 is shown. The.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to transfer the cash flow analysis target information from the terminal 185 to the information registration server 100. Various implementation methods of registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the method shown in FIGS. 5A and 5B, the window terminal 185 acquires predetermined image contents corresponding to the cash flow analysis application through a predetermined image acquisition device, and / or the cash flow. Although a user interface for inputting (or selecting) cash flow analysis target information corresponding to an analysis application is illustrated and provided from the information registration server 100, a predetermined information registration program is provided in the window terminal 185. In this case, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 185 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, business cash flow information, investment cash flow information, and financial cash flow information transmitted from the counter terminal 185 to the information registration server 100 are referred to as "cash flow analysis target information" for convenience.

Referring to FIGS. 5A and 5B, a predetermined customer prepares a cash flow analysis application including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information for analyzing the company's cash flow. When submitted, the window terminal 185 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, for analyzing cash flow of a company corresponding to the cash flow analysis application. When the user interface is requested (500), in response to the request, the server acquires predetermined image contents corresponding to the cash flow analysis application written by the customer through a predetermined image acquisition device and transmits the predetermined image content to the server. Create (or extract) a child interface (505), and generate (or extract) the user interface through the financial network Transmit and output to the terminal (510).

Thereafter, the terminal acquires image content corresponding to the cash flow analysis application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the cash flow analysis application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs cash flow analysis target information including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information corresponding to the cash flow analysis application matching the image content (or Selects and generates (or extracts) a user interface for transmission to the server (530), and transmits and generates the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information through the user interface (540).

If the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information is input (or selected) through the user interface (545), the terminal receives the The input (or selected) cash flow analysis target information is transmitted to the server through a financial network (550).

Thereafter, the server receives and reads the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information through the financial network, thereby analyzing the cash flow analysis target information. Validate for (555).

According to an embodiment of the present invention, the validity check of the cash flow analysis target information is at least matched with the cash flow analysis target information in the ledger D / B 300 on the financial system associated with the cash flow analysis information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the server may include, among the information included in the cash flow analysis target information, the customer information (customer personal information, member information, etc.) of the ledger D / B 300 on the financial system associated with the cash flow analysis information registration system. It is desirable to include a check that matches the customer ledger stored in).

If the validity of the cash flow analysis target information is not authenticated (560), the server generates predetermined information registration error information and transmits it to the terminal (565), and registers the information corresponding to the cash flow analysis target information. Do not perform the procedure.

On the other hand, if the validity of the cash flow analysis target information is authenticated (560), the server generates a predetermined cash flow analysis request electronic document including the image content (570).

According to one embodiment of the invention, the server cash flow for analyzing the cash flow of the company as it is the image file containing the image content received from the information registration terminal 190 through the image receiving unit 120 as it is It is preferable to process the analysis request electronic document.

Alternatively, the server may include customer information and business cash included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. An image file corresponding to an image content including at least one of flow information, investment cash flow information, and financial cash flow information in a watermarking manner is applied to the cash flow analysis application electronic document for analyzing the cash flow of the company. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF) including the image content received from the information registration terminal 190 through the image receiving unit 120. Cash flow for analyzing the cash flow of the company by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an analysis request electronic document.

Alternatively, the server may include customer information and business cash included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. Generates image content including at least one of flow information, investment cash flow information, and financial cash flow information by watermarking, and includes a predetermined document file (eg, PDF (including the generated image content). Analyzing a company's cash flow by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to create a cash flow analysis application electronic document.

According to another exemplary embodiment of the present disclosure, the server may analyze the image content received from the information registration terminal 190 and the cash flow analysis received through the information receiver 115 through the image receiver 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Alternatively, the server may include customer information and business cash included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. Generates image content including at least one of flow information, investment cash flow information, and financial cash flow information by watermarking, and includes the generated image content and the cash flow analysis target information. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a cash flow analysis request electronic document in an image file format and / or a predetermined document file format, and the cash flow analysis request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated cash flow analysis request electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the cash flow analysis information registration system through predetermined communication means. In the case of being provided externally, the server transmits the generated cash flow analysis request electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the cash flow analysis information registration system, the server may display the generated cash flow analysis request electronic document on a DBMS provided in the cash flow analysis information registration system. It is possible to store in the electronic document D / B 180 corresponding to the electronic document storage, by which the present invention is not limited.

According to the method of the present invention, the storing of the cash flow analysis request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated cash flow analysis application electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (180).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the cash flow analysis request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the cash flow analysis request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a cash flow analysis application corresponding to the image content, and / or financial institution information for transmitting the cash flow analysis request electronic document, and And / or the electronic document file format information, and / or the cash flow analysis target information, etc.).

If the cash flow analysis request electronic document is stored in the electronic document repository (580), the server includes the customer information, business cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis target information. The information is linked and stored in a predetermined storage medium 305 (585).

Thereafter, the server analyzes the cash flow corresponding to the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information (590), and the analyzed cash flow. The analysis information is stored in the storage medium 305 (595).

Thereafter, predetermined information registration history information (for example, the history of storing the cash flow analysis request electronic document in the electronic document storage, and / or the history of storing the cash flow analysis target information in the storage medium 305), At least one cash flow analysis information is generated (or extracted) and transmitted to the terminal (599).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the cash flow analysis information registration system (or associated with the cash flow analysis information registration system). In this case, the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby The present invention is not limited.

According to another embodiment of the present invention, the storage medium 305 is provided on (or associated with) the cash flow analysis information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering cash flow analysis target information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 6a and 6b is a window terminal 185 provided at the financial institution branch (or branch) of the information registration terminal 190 on the cash flow analysis information registration system shown in Figure 1, the information registration In the case where the server 100 has a ledger server (not shown) function on the financial system associated with the counter terminal 185 through a predetermined financial network, the predetermined customer receives customer information, for analyzing the cash flow of the company. After completing and submitting a cash flow analysis application including at least one of operating cash flow information, investment cash flow information, and financial cash flow information, the cash flow analysis application through a predetermined image acquisition device at a predetermined window terminal 185. Acquire a predetermined image content corresponding to the correspondence, and correspond to the cash flow analysis application through the cash flow analysis information registration system through a predetermined information registration interface When providing the cash flow analysis target information and the image content obtained from the cash flow analysis application, generates a predetermined cash flow analysis request electronic document including the image content and store in a predetermined electronic document storage, The present invention relates to an implementation method of linking and processing the customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis information in a predetermined storage medium 155. The terminal 185 inputs (or selects) cash flow analysis target information corresponding to the cash flow analysis application to the information registration server 100 and transmits the information to the cash flow analysis application through a predetermined image acquisition device. A method of obtaining a corresponding predetermined image content and transmitting the same to the information registration server 100 is illustrated. The.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to transfer the cash flow analysis target information from the terminal 185 to the information registration server 100. Various implementation methods of registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, in the implementation method illustrated in FIGS. 6A and 6B, the counter terminal 185 acquires predetermined image contents corresponding to the cash flow analysis application through a predetermined image acquisition device, and / or the cash flow. Although a user interface for inputting (or selecting) cash flow analysis target information corresponding to the analysis application is illustrated and provided from the information registration server 100, a predetermined information registration program is provided in the counter terminal 185. When provided, the user interface may not be provided from the information registration server 100, thereby the present invention is not limited.

In the following Figures 6a and 6b, the window terminal 185 shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience. The customer information, business cash flow information, investment cash flow information, and financial cash flow information transmitted from the counter terminal 185 to the information registration server 100 are referred to as "cash flow analysis target information" for convenience.

6A and 6B, a predetermined customer prepares a cash flow analysis application including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information to analyze the cash flow of the company. When submitted, the window terminal 185 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, for analyzing cash flow of a company corresponding to the cash flow analysis application. If the user interface is requested (600), the server correspondingly cash at least one of the customer information, business cash flow information, investment cash flow information, financial cash flow information corresponding to the cash flow analysis application prepared by the customer Input (or select) flow analysis target information to generate (or extract) a user interface for transmission to the server. 605, and outputs through the financial network transmitting user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs (or selects) cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information through the user interface (615).

If the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information is input (or selected) through the user interface (620), the terminal receives the The input (or selected) cash flow analysis target information is transmitted to the server through a financial network (625).

Thereafter, the server receives and reads the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information through the financial network, thereby analyzing the cash flow analysis target information. Validate for (630).

According to an embodiment of the present invention, the validity check of the cash flow analysis target information is at least matched with the cash flow analysis target information in the ledger D / B 300 on the financial system associated with the cash flow analysis information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the server may include, among the information included in the cash flow analysis target information, the customer information (customer personal information, member information, etc.) of the ledger D / B 300 on the financial system associated with the cash flow analysis information registration system. It is desirable to include a check that matches the customer ledger stored in).

If the validity of the cash flow analysis target information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and registers the information corresponding to the cash flow analysis target information. Do not perform the procedure.

On the other hand, if the validity of the cash flow analysis target information is authenticated (635), the server acquires a predetermined image content corresponding to the cash flow analysis application written by the customer through a predetermined image acquisition device in the terminal to the server A user interface for transmitting to the terminal is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the cash flow analysis application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the cash flow analysis application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the cash flow analysis target information and the image content from the terminal generates a predetermined cash flow analysis request electronic document including the image content (670).

According to one embodiment of the invention, the server cash flow for analyzing the cash flow of the company as it is the image file containing the image content received from the information registration terminal 190 through the image receiving unit 120 as it is It is preferable to process the analysis request electronic document.

Alternatively, the server may include customer information and business cash included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. An image file corresponding to an image content including at least one of flow information, investment cash flow information, and financial cash flow information in a watermarking manner is applied to the cash flow analysis application electronic document for analyzing the cash flow of the company. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF) including the image content received from the information registration terminal 190 through the image receiving unit 120. Cash flow for analyzing the cash flow of the company by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an analysis request electronic document.

Alternatively, the server may include customer information and business cash included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. Generates image content including at least one of flow information, investment cash flow information, and financial cash flow information by watermarking, and includes a predetermined document file (eg, PDF (including the generated image content). Analyzing a company's cash flow by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to create a cash flow analysis application electronic document.

According to another exemplary embodiment of the present disclosure, the server may analyze the image content received from the information registration terminal 190 and the cash flow analysis received through the information receiver 115 through the image receiver 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Alternatively, the server may include customer information and business cash included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. Generates image content including at least one of flow information, investment cash flow information, and financial cash flow information by watermarking, and includes the generated image content and the cash flow analysis target information. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a cash flow analysis application electronic document in an image file format and / or a predetermined document file format, and the cash flow analysis application electronics. Since the technical features of the image file corresponding to the document and / or the file format of the document file will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated cash flow analysis request electronic document in a predetermined electronic document storage 667.

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the cash flow analysis information registration system through predetermined communication means. In the case of being provided externally, the server transmits the generated cash flow analysis request electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the cash flow analysis information registration system, the server may display the generated cash flow analysis request electronic document on a DBMS provided in the cash flow analysis information registration system. It is possible to store in the electronic document D / B 180 corresponding to the electronic document storage, by which the present invention is not limited.

According to the method of the present invention, the storing of the cash flow analysis request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated cash flow analysis application electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (180).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the cash flow analysis request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the cash flow analysis request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a cash flow analysis application corresponding to the image content, and / or financial institution information for transmitting the cash flow analysis request electronic document, and And / or the electronic document file format information, and / or the cash flow analysis target information, etc.).

If the cash flow analysis request electronic document is stored in the electronic document repository (680), the server includes the customer information, operating cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis target information. The information is linked and stored in a predetermined storage medium 305 (685).

Thereafter, the server analyzes the cash flow corresponding to the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information (690), and the analyzed cash flow. Analysis information is stored in the storage medium 305 (695).

Thereafter, predetermined information registration history information (for example, the history of storing the cash flow analysis request electronic document in the electronic document storage, and / or the history of storing the cash flow analysis target information in the storage medium 305), At least one cash flow analysis information is generated (or extracted) and transmitted to the terminal (699).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the cash flow analysis information registration system (or associated with the cash flow analysis information registration system). In this case, the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby The present invention is not limited.

According to another embodiment of the present invention, the storage medium 305 is provided on (or associated with) the cash flow analysis information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering cash flow analysis target information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 7a and 7b are information desk terminals 190 on the cash flow analysis information registration system shown in Figure 1 are provided at the branch (or branch) of a financial institution, and the information registration. In the case where the server 100 has a ledger server (not shown) function on the financial system associated with the counter terminal 185 through a predetermined financial network, the predetermined customer receives customer information, for analyzing the cash flow of the company. After completing and submitting a cash flow analysis application including at least one of operating cash flow information, investment cash flow information, and financial cash flow information, the cash flow analysis application through a predetermined image acquisition device at a predetermined window terminal 185. Acquire a predetermined image content corresponding to the correspondence, and correspond to the cash flow analysis application through the cash flow analysis information registration system through a predetermined information registration interface When the cash flow analysis target information and the image content obtained from the cash flow analysis application is provided, a predetermined cash flow analysis application electronic document including the image content is generated and stored in a predetermined electronic document repository. The present invention relates to an implementation method of linking and processing the customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis information in a predetermined storage medium 155. The terminal 185 acquires predetermined image contents corresponding to the cash flow analysis application through a predetermined image acquisition device, and inputs (or selects) cash flow analysis target information corresponding to the cash flow analysis application to the information. The implementation method of transmitting to the registration server 100 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to transfer the cash flow analysis target information from the terminal 185 to the information registration server 100. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the counter terminal 185 acquires predetermined image contents corresponding to the cash flow analysis application through a predetermined image acquisition device, and / or the cash flow. Although a user interface for inputting (or selecting) cash flow analysis target information corresponding to an analysis application is illustrated as being provided from the information registration server 100, a predetermined information registration program is provided in the counter terminal 185. In this case, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 185 shown in FIG. 1 in FIG. 7A and FIG. 7B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, business cash flow information, investment cash flow information, and financial cash flow information transmitted from the counter terminal 185 to the information registration server 100 are referred to as "cash flow analysis target information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer prepares a cash flow analysis application including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information for analyzing the company's cash flow. When submitted, the window terminal 185 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, for analyzing cash flow of a company corresponding to the cash flow analysis application. When the user interface is requested 700, the server inputs (or selects) cash flow analysis target information corresponding to the cash flow analysis application written by the customer in the terminal, and through the predetermined image acquisition device, A user interface for acquiring and transmitting predetermined image content corresponding to the cash flow analysis application to the server; Sex (or extract), and 705, and outputs to transmit the user interface the generated (or extracted) to the terminal through the financial network (710).

Thereafter, the terminal inputs (or selects) cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information through the user interface (715).

If the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information is input (or selected) through the user interface (720), the terminal receives the An image content corresponding to the cash flow analysis application is obtained through a predetermined image acquisition device based on a user interface in operation 725.

If image content corresponding to the cash flow analysis application is obtained through the image acquisition device (730), the terminal transmits the cash flow analysis target information and image content to the server through the financial network (735). .

Thereafter, the server receives and reads the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information through the financial network, thereby analyzing the cash flow analysis target information. Validate for (740).

According to an embodiment of the present invention, the validity check of the cash flow analysis target information is at least matched with the cash flow analysis target information in the ledger D / B 300 on the financial system associated with the cash flow analysis information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the server may include, among the information included in the cash flow analysis target information, the customer information (customer personal information, member information, etc.) of the ledger D / B 300 on the financial system associated with the cash flow analysis information registration system. It is desirable to include a check that matches the customer ledger stored in).

If the validity of the cash flow analysis target information is not authenticated (745), the server generates predetermined information registration error information and transmits it to the terminal (750), and registers the information corresponding to the cash flow analysis target information. Do not perform the procedure.

On the other hand, if the validity of the cash flow analysis target information is authenticated (745), the server generates a predetermined cash flow analysis request electronic document including the image content (755).

According to one embodiment of the invention, the server cash flow for analyzing the cash flow of the company as it is the image file containing the image content received from the information registration terminal 190 through the image receiving unit 120 as it is It is preferable to process the analysis request electronic document.

Alternatively, the server may include customer information and business cash included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. An image file corresponding to an image content including at least one of flow information, investment cash flow information, and financial cash flow information in a watermarking manner is applied to the cash flow analysis application electronic document for analyzing the cash flow of the company. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF) including the image content received from the information registration terminal 190 through the image receiving unit 120. Cash flow for analyzing the cash flow of the company by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an analysis request electronic document.

Alternatively, the server may include customer information and business cash included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. Generates image content including at least one of flow information, investment cash flow information, and financial cash flow information by watermarking, and includes a predetermined document file (eg, PDF (including the generated image content). Analyzing a company's cash flow by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to create a cash flow analysis application electronic document.

According to another exemplary embodiment of the present disclosure, the server may analyze the image content received from the information registration terminal 190 and the cash flow analysis received through the information receiver 115 through the image receiver 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Alternatively, the server may include customer information and sales included in the cash flow analysis target information received through the information receiver 115 in the image content received from the information registration terminal 190 through the image receiver 120. Generates image content including at least one or more of cash flow information, investment cash flow information, and financial cash flow information by watermarking, and includes the generated image content and the cash flow analysis target information. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a cash flow analysis request electronic document in an image file format and / or a predetermined document file format, and the cash flow analysis request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated cash flow analysis request electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the cash flow analysis information registration system through predetermined communication means. In the case of being provided externally, the server transmits the generated cash flow analysis request electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the cash flow analysis information registration system, the server may display the generated cash flow analysis request electronic document on a DBMS provided in the cash flow analysis information registration system. It is possible to store in the electronic document D / B 180 corresponding to the electronic document storage, by which the present invention is not limited.

According to the method of the present invention, the storing of the cash flow analysis request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated cash flow analysis application electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (180).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the cash flow analysis request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the cash flow analysis request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a cash flow analysis application corresponding to the image content, and / or financial institution information for transmitting the cash flow analysis request electronic document, and And / or the electronic document file format information, and / or the cash flow analysis target information, etc.).

If the cash flow analysis request electronic document is stored in the electronic document repository (765), the server includes the customer information, business cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis target information. In step 770, the data is stored in a predetermined storage medium 305.

Thereafter, the server analyzes the cash flow corresponding to the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information (775), and the analyzed cash flow. Analysis information is stored in the storage medium 305 (780).

Thereafter, predetermined information registration history information (for example, a history of storing the cash flow analysis request electronic document in the electronic document repository, and / or a history of storing the cash flow analysis target information in the storage medium 305), At least one cash flow analysis information is generated (or extracted) and transmitted to the terminal (785).

According to an embodiment of the present invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the cash flow analysis information registration system (or associated with the cash flow analysis information registration system). In this case, the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby The present invention is not limited.

According to another embodiment of the present invention, the storage medium 305 is provided on (or associated with) the cash flow analysis information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face cash flow analysis information registration system for analyzing a company's cash flow according to another embodiment of the present invention.

In more detail, Figure 8 shows a predetermined customer through a predetermined information registration interface to the cash flow analysis information registration system for the customer's cash flow analysis, customer information, operating cash flow information, investment cash flow information, financial cash flow information When providing the cash flow analysis target information including at least one, the cash flow analysis information registration system generates a predetermined cash flow analysis application electronic document containing the provided cash flow analysis target information to a predetermined electronic document storage As a system configuration for storing and storing the customer information, operating cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis target information in a predetermined storage medium 850, Specifically, the electronic document storage is divided into the cash flow through a predetermined communication means. Information directed to the exemplary method, which is provided on an external system linked to the registration system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer various implementation methods for configuring a cash flow analysis information registration system for analyzing the cash flow of a company. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the cash flow analysis information registration system. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the cash flow analysis request electronic document is illustrated as being generated on the server side on the cash flow analysis information registration system, but the present invention is not limited thereto. The cash flow analysis request electronic document may be generated on the terminal side which inputs (or selects) the cash flow analysis target information and transmits the information (for example, the electronic document generation function provided on the server side is provided on the terminal side). Generating the cash flow analysis application electronic document), by which the present invention is not limited.

Hereinafter, by receiving the cash flow analysis target information from the customer through a predetermined information registration interface on the cash flow analysis information registration system shown in FIG. 8, a predetermined cash flow analysis request electronic document is generated to store a predetermined electronic document. And components corresponding to at least one or more means and / or functional configurations for storing the cash flow analysis target information in a predetermined storage medium 850 are referred to as "information registration server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a cash flow analysis information registration system for analyzing a cash flow of a company may include a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. Characterized in that it comprises at least one information registration terminal 880, the information registration terminal 880 is an information registration server 800 provided on the cash flow analysis information registration system through a predetermined network means ) And the communication channel are connected.

According to an embodiment of the present invention, the customer accesses the information registration server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the cash flow analysis target information for the cash flow analysis of the company is input (or selected) through at least one user interface provided by the information registration server 800, the client terminal receives the cash flow through a predetermined network means. It is preferable to transmit to the information registration server 800 provided on the flow analysis information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the information registration server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

The network means for connecting the client terminal and the information registration server 800 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 800, and inputs and / or selects at least one or more information through the user interface to the information registration server 800. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 800, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the cash flow analysis information registration system as described above, at least one client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one connecting the client terminal and the information registration server 800. The wired communication network and / or the wireless communication network perform a function of an information registration interface for the customer to register cash flow analysis target information for analyzing the cash flow of the enterprise.

According to another exemplary embodiment of the present invention, the information registration terminal 880 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the cash flow analysis information registration system as described above, when the information registration terminal 880 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the The financial network connecting the information registration server 800 performs a function of an information registration interface for the customer to register the cash flow analysis target information for the cash flow analysis of the company, and / or the information registration terminal ( If 880 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 800 may be used by the customer. Performing a function of an information registration interface for registering cash flow analysis target information for analyzing the cash flow of the company, and / or with the financial institution that is the information registration terminal 880. In the case of a terminal (and / or server) (not shown) provided in an affiliated institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server A network connecting 800 performs a function of an information registration interface for the customer to register cash flow analysis target information for analyzing the cash flow of the company.

The storage medium 850 provided on the cash flow analysis information registration system according to the present invention includes the customer information, business cash flow information, and investment included in the cash flow analysis target information provided from the information registration terminal 880. Cash flow information, financial cash flow information is characterized in that it is stored in a predetermined storage medium 850 by processing.

The customer information includes the company information of the customer (e.g., company name, business registration number, business address, business phone number, e-mail address, etc.) and the member information of the customer (e.g. the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the cash flow analysis information registration system corresponding to the customer by subscribing as a financial transaction customer of the financial institution Number or the like), and the like.

The operating cash flow information preferably includes at least one of operating cash inflow information or operating cash outflow information corresponding to the sales activity.

The operating cash inflow information included in the operating cash flow information is based on the cash inflow from general commerce such as sales of products or products of the company, cash inflows from trade receivables (receivables or notes received), interest income and dividend income. It is desirable to include at least one or more cash inflows, cash inflows from all other non-financial activities and transactions.

The information on cash outflows included in the cash flow information includes cash outflows from general transactions such as purchasing raw materials or commodities, cash outflows from trade payables (trade payables or notes), and cash to suppliers or employees of other goods and services. It is desirable to include at least one outflow, cash outflows from unpaid income tax, cash outflows from interest expense, and cash outflows from other investments and transactions that do not belong to finance.

The investment cash flow information may include at least one of investment cash inflow information or investment cash outflow information corresponding to the investment activity.

The investment cash inflow information included in the investment cash flow information includes the collection of loans (e.g. short-term loans or long-term loans), disposal of securities (e.g., short-term securities, available-for-sale securities, held-to-maturity securities, and equity method). Disposal of at least one stock, etc.), disposal of current assets (eg, disposal of short-term financial instruments, receivables, etc.), disposal of investment assets (eg, disposal of long-term financial instruments, long-term receivables, investment property, deposits, etc.), types It is preferable to include at least one or more of disposal of assets (eg, land, buildings, machinery, vehicle transportation equipment, air-conditioning, etc.), intangible assets (disposal of goodwill, industrial property, etc.).

The investment cash outflow information included in the investment cash flow information includes loans of cash (for example, increases in short-term loans or long-term loans), acquisition of securities (for example, short-term securities, available-for-sale securities, maturity securities, and equity method). Acquisition of stocks, etc., acquisition of current assets (eg, acquisition of short-term financial instruments, receivables, etc.), acquisition of investment assets (eg, acquisition of long-term financial instruments, long-term receivables, investment property, deposits, etc.), acquisition of tangible assets (E.g., acquisition of land, buildings, machinery, vehicle transport equipment, air supplies, etc.) and the like.

The financial cash flow information preferably comprises at least one of financial cash inflow information or financial cash outflow information corresponding to the financial.

Financial cash inflow information included in the financial cash flow information includes: increase in debt (eg increase in unpaid pay, borrowing of short or long term borrowings, issue of bonds, etc.), increase in capital (eg issue of shares, disposal of treasury shares). It is preferable that it comprises at least one or more).

The financial cash outflow information included in the financial cash flow information includes: debt reduction (e.g. reduction of unpaid debt, repayment of short-term or long-term borrowings, repayment of debentures, etc.), reduction of capital (e.g. payment of dividends, paid-offs, self Acquisition of stocks, or the like).

According to an embodiment of the present invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the cash flow analysis information registration system (or associated with the cash flow analysis information registration system). In this case, the storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited. .

According to another embodiment of the present invention, the storage medium 850 is provided on (or associated with) the cash flow analysis information registration system, and / or a telebanking system, and / or wireless banking. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the cash flow analysis information registration system according to the present invention is a generic term for components of the cash flow analysis information registration system side connected to the information registration terminal 880 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 800 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 800 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 800 is characterized by comprising an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 880 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 805 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a financial automatic device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 800, the interface unit 805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 8, when the predetermined information registration terminal 880 connects a predetermined communication channel with the information registration server 800 through the interface unit 805, the company Generate (or extract) at least one user interface for inputting (or selecting) predetermined cash flow analysis target information from the information registration terminal 880 to transmit the cash flow analysis information to the information registration server 800 for cash flow analysis. And an interface provider 810 for providing the generated (or extracted) user interface to the information registration terminal 880 in association with the interface unit 805, and the user interface in the information registration terminal 880. When the cash flow analysis target information is input (or selected) through and transmitted, the cash flow portion transmitted from the information registration terminal 880 in association with the interface unit 805. And an information receiving unit 815 for receiving the target information characterized by comprising.

The interface providing unit 810 connects a predetermined communication channel with the information registration server 800 through the interface registration unit 805, and then the information registration server 800 to the information registration server 800. When requesting a user interface for cash flow analysis of a company, the information registration terminal 880 inputs (or selects) predetermined cash flow analysis target information and transmits it to the information registration server 800 through the network means. Generating at least one user interface, and / or extracting from a predetermined database (not shown), and registering the generated (or extracted) user interface in conjunction with the interface unit 805 via the network means. Characterized in that provided to the terminal 880.

According to an embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

At least one user for inputting (or selecting) predetermined cash flow analysis target information to the information registration terminal 880 according to another embodiment of the present invention and transmitting it to the information registration server 800 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined cash flow analysis target information as described above to be transmitted to the information registration server 800 is generated (or extracted). Thus, the interface providing unit 810 provided to the information registration terminal 880 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 880 inputs (or selects) cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information through the user interface. In addition, the input (or selected) cash flow analysis target information is transmitted to the information registration server 800 through the network means, and correspondingly, the information receiving unit 815 is connected to the interface unit 805 Characterized in that for receiving the cash flow analysis target information transmitted from the information registration terminal 880.

According to an embodiment of the present invention, the information registration terminal 880 is the information registration server in the cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, financial cash flow information At least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the cash flow analysis target information at 800 It is preferable to transmit to the information registration server 800 through the network means.

According to an embodiment of the present invention, the information registration terminal 880 encrypts at least one or more cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information. Encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the cash flow analysis target. It is preferable to attach a predetermined electronic signature to the information and transmit the information to the information registration server 800 through the network means. For this purpose, the information registration terminal 880 transmits at least one encryption key corresponding to the encryption method. Have, and / or have a predetermined public certificate including at least one encryption key, and / or It is a public certificate comprising a case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card) is preferred.

Those skilled in the art to which the present invention pertains include technical features for various encryption methods for encrypting the cash flow analysis target information, and technical features for attaching a predetermined electronic signature to the cash flow analysis target information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the cash flow analysis target information transmitted from the information registration terminal 880 is received through the information receiving unit 815, the information registration server 800 receives the received cash flow analysis target information. Characterized in that it comprises a validity check unit 820 to determine whether the validity for the cash flow analysis of the company.

According to an embodiment of the present invention, the cash flow analysis information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the validity confirming unit 820 includes at least one decryption method (eg, a symmetric key based decryption method) corresponding to the encryption method for the encrypted cash flow analysis information; and / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received cash flow analysis information.

Alternatively, when a predetermined electronic signature is attached to the cash flow analysis target information, the validity confirming unit 820 checks the electronic signature attached to the cash flow analysis target information, thereby receiving the received cash flow analysis target information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted cash flow analysis target information and technology for confirming an electronic signature attached to the cash flow analysis target information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the cash flow analysis target information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the cash flow analysis target information, the validity confirming unit In step 820, it is preferable to authenticate the validity of the received cash flow analysis target information by comparing and authenticating the received password included in the cash flow analysis target information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the cash flow analysis target information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the cash flow analysis target information, the validity checking unit 820 Comparing and authenticating the received security card information included in the cash flow analysis target information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received cash flow analysis target information. desirable.

Alternatively, when the cash flow analysis target information received through the information receiver 815 further includes a predetermined OTP code for confirming the validity of the cash flow analysis target information, the validity checker 820 may include: Comparing and authenticating the received OTP code included in the cash flow analysis target information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received cash flow analysis target information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validation of the cash flow analysis target information is at least one ledger matched with the cash flow analysis target information in the ledger D / B on the financial system associated with the cash flow analysis information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 820 may be a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the cash flow analysis information registration system among information included in the cash flow analysis target information. It is preferable to include a check that matches the customer ledger stored in the D / B.

Referring to FIG. 8, when the validity of the cash flow analysis target information is authenticated through the validity checker 820, the information registration server 800 includes a predetermined cash including the received cash flow analysis target information. An electronic document generation unit 825 for generating a flow analysis request electronic document, and an electronic document transmission unit 830 for transmitting the generated cash flow analysis application electronic document to an electronic document repository associated with the cash flow analysis information registration system. It characterized by comprising a.

The electronic document generating unit 825 may generate a cash flow analysis request electronic document including the cash flow analysis target information received from the information registration terminal 880 through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, business cash flow information, investment cash flow information, and financial information included in the cash flow analysis target information received through the information receiver 815. Generating document content including at least one cash flow information, and generating at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. It is preferable to process a word processing file including one or more, or a web document file including an MHT) into a cash flow analysis application electronic document for analyzing the cash flow of the company.

Alternatively, the electronic document generator 825 may include at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received through the information receiver 815. A method of generating a document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis target information, and watermarking the document content. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file including MHT), as an electronic document for cash flow analysis application for the cash flow analysis of the enterprise. Is preferred.

Alternatively, the electronic document generator 825 may include at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received through the information receiver 815. Cash for analyzing the cash flow of the company by generating an image content including a document content, and an image file including the image content (e.g., image content generated by capturing the document content on a memory). It is desirable to process the flow analysis application electronic document.

Alternatively, the electronic document generator 825 may include at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received through the information receiver 815. Customer information and business cash included in the cash flow analysis target information are generated in the document content including the document content, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). After including at least one or more information of the flow information, investment cash flow information, financial cash flow information in a watermarking (Watermarking) method, an image file containing the image content including the watermarking for the cash flow analysis of the company It is desirable to process the cash flow analysis request electronically.

According to another exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, business cash flow information, investment cash flow information, included in the cash flow analysis target information received through the information receiver 815, and the like. A predetermined document file that generates document content including at least one or more financial cash flow information, and includes image content (eg, image content generated by capturing the document content on a memory). (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is advisable to process the cash flow analysis application electronic document for the company's cash flow analysis.

Alternatively, the electronic document generator 825 may include at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received through the information receiver 815. Customer information and business cash included in the cash flow analysis target information are generated in the document content including the document content, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). A document file (eg, PDF) that generates image content including at least one of flow information, investment cash flow information, and financial cash flow information by watermarking, and includes the image content including the watermarking. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc. By generating a word processor file, or a web document file including the MHT), it is preferable to process the cash flow analysis application electronic document for the cash flow analysis of the enterprise.

According to another exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, business cash flow information, and investment cash flow information included in the cash flow analysis target information received through the information receiver 815. And generating document content including at least one financial cash flow information, and capturing the document content (eg, image content generated by capturing the document content on a memory) and the cash flow analysis. A predetermined document file including target information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. Document file, etc.), it is preferable to process the cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Alternatively, the electronic document generator 825 may include at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received through the information receiver 815. Customer information and business cash included in the cash flow analysis target information are generated in the document content including the document content, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). Generate image content including at least one of flow information, investment cash flow information, and financial cash flow information by a watermarking method, and include the image content including the watermarking and the information on the cash flow analysis target. Document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, or HWP / D) By generating a word processor file including at least one or more OC, or a web document file including the MHT, etc.), it is preferable to process the cash flow analysis application electronic document for the cash flow analysis of the company.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 825 is a technical feature of generating a cash flow analysis application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the cash flow analysis request electronic document, and a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 transmits and stores the cash flow analysis request electronic document generated by the electronic document generation unit 825 to a predetermined electronic document repository associated with the cash flow analysis information registration system. It features.

As shown in FIG. 8, the electronic document storage is connected to the information registration server 800 on the cash flow analysis information registration system through a predetermined communication means and a predetermined electronic document server 855 and an electronic document D / B. When provided externally, including 875, the electronic document transmission unit 830 transmits the cash flow analysis request electronic document generated by the electronic document generation unit 825 through the communication means. And transmits to 855.

Here, when the electronic document server 855 and the electronic document D / B 875 are provided outside the cash flow analysis information registration system, the electronic document server 855 and the electronic document D / B ( 875 is preferably managed by an accredited agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the cash flow analysis information registration system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. It is possible to store the cash flow analysis application electronic document in the electronic document D / B 875 corresponding to the electronic document storage on the DBMS provided in the cash flow analysis information registration system, whereby the present invention is not limited. .

According to an embodiment of the present invention, the electronic document transmission unit 830 inputs electronic document related information (eg, the cash flow analysis target information) for generating predetermined electronic document management information in the electronic document server 855. (Optional) customer information transmitted, and / or financial institution information transmitting the cash flow analysis request electronic document, and / or electronic document file format information, and / or the cash flow analysis target information, etc.); It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the information registration server 800 verifies that the cash flow analysis target information received through the information receiving unit 815 validates the cash flow analysis of the company through the validity checking unit 820. If the target information is stored in a predetermined storage medium 850 by linking the customer information, the operating cash flow information, the investment cash flow information, the financial cash flow information included in the information on the validity of the certified cash flow analysis target It is characterized by comprising a storage unit 835.

When the validity of the cash flow analysis target information is confirmed by the validity confirming unit 820, the target information storage unit 835 includes customer information, business cash flow information, and investment cash included in the cash flow analysis target information. Characterized in that the flow information, financial cash flow information is processed in association with the storage medium 850, the storage medium 850 is provided in the information registration server 800, or the information registration server 800 When provided on the network associated with the, the target information storage unit 835 is linked to the customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information Preferably, the storage medium 850 is stored in the storage medium 850. When the storage medium 850 is provided in a DBMS provided on a financial system, the target information storage unit 835 stores the received string. It is desirable to provide customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the flow analysis information to the information system through the external system on the financial system and store them in a DBMS provided on the financial system. .

When the validity of the cash flow analysis target information is confirmed by the validity confirming unit 820, the target information storage unit 835 includes customer information, business cash flow information, and investment cash included in the cash flow analysis target information. Characterized in that the flow information, financial cash flow information is processed in association with the storage medium 850, the storage medium 850 is provided in the information registration server 800, or the information registration server 800 When provided on the network associated with the, the target information storage unit 835 is linked to the customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information Preferably, the storage medium 850 is stored in the storage medium 850. When the storage medium 850 is provided in a DBMS provided on a financial system, the target information storage unit 835 stores the received string. It is preferable to provide customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the gold flow analysis information to the information system through the external system on the financial system and store them in a DBMS provided on the financial system. .

Referring to FIG. 8, the information registration server 800 processes the customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received from the information storage unit. When the storage medium 850 is stored in the storage medium 850, the cash flows corresponding to the cash flow analysis target information including at least one of the stored customer information, operating cash flow information, investment cash flow information, and financial cash flow information are included. The flow analysis unit 840 and the cash flow analysis information corresponding to the cash flow analysis target information stored in the information storage unit in the cash flow analysis unit 840 includes the customer information included in the cash flow analysis target information. And an analysis information storage unit 845 for storing the data in the storage medium 850 in association with the processing.

The cash flow analysis unit 840 processes the customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received from the information storage unit in the storage medium ( In operation 850, the cash flow corresponding to the cash flow analysis target information including at least one of the stored customer information, operating cash flow information, investment cash flow information, and financial cash flow information may be analyzed.

According to the exemplary embodiment of the present invention, the cash flow analysis unit 840 may include customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received from the information storage unit. If the data is stored in the storage medium 850, the cash flow corresponding to the cash flow analysis target information includes at least one of the stored customer information, operating cash flow information, investment cash flow information, and financial cash flow information. It is desirable to analyze.

In addition, in the process of analyzing the cash flows, a weight may be applied to the operating cash flow information included in the cash flow analysis book information.

Further, in the process of analyzing the cash flows, a weight may be applied to the investment cash flow information included in the cash flow analysis book information.

In addition, in the process of analyzing the cash flows, a weight may be applied to the financial cash flow information included in the cash flow analysis book information.

According to an exemplary embodiment of the present invention, the cash flow analysis method for the operating cash flow information included in the cash flow analysis target information includes the cash inflow amount corresponding to the operating cash inflow information included in the operating cash flow information. If the amount of cash inflow information included in the operating cash flow information is greater than the valuation of the company according to a predetermined classification method, or the cash inflow amount corresponding to the operating cash inflow information included in the operating cash flow information. When less than the operating cash outflow information included in the operating cash flow information, it is preferable to display the evaluation of the company lower according to a predetermined classification method.

According to another exemplary embodiment of the present invention, the cash flow analysis method for the investment cash flow information included in the cash flow analysis target information includes a cash inflow amount corresponding to the investment cash inflow information included in the investment cash flow information. If the investment cash outflow information included in the investment cash flow information is greater than the cash inflow information corresponding to the investment evaluation or the cash inflow information included in the investment cash flow information, When the amount is less than the investment cash outflow information included in the investment cash flow information, it is preferable to display the valuation of the company lower according to a predetermined classification method.

According to another exemplary embodiment of the present invention, the cash flow analysis method for the financial cash flow information included in the cash flow analysis target information includes the cash inflow amount corresponding to the financial cash inflow information included in the financial cash flow information. When the financial cash flow information included in the financial cash flow information is greater than the cash flow information, the valuation of the company may be displayed according to a predetermined classification method, or the cash corresponding to the financial cash inflow information included in the financial cash flow information. When the amount of inflow is less than the financial cash outflow information included in the financial cash flow information, it is preferable to display the valuation of the company lower according to a predetermined classification method.

The analysis information storage unit 845 includes the cash flow analysis information corresponding to the cash flow analysis target information stored in the information storage unit in the cash flow analysis unit 840 in the cash flow analysis target information. The information is stored in the storage medium 850 in association with information.

According to the exemplary embodiment of the present invention, the analysis information storage unit 845 may analyze the cash flow analysis information corresponding to the cash flow analysis target information stored in the information storage unit in the cash flow analysis unit 840, the cash flow analysis. It is preferable to store the data in the storage medium 850 in association with the customer information included in the analysis target information.

Referring to FIG. 8, a predetermined cash flow analysis request electronic document is received from the information registration server 800 provided on the cash flow analysis information registration system, and stored and managed in a predetermined electronic document D / B 875. The electronic document server 855 includes an electronic document receiving unit 860 for receiving a predetermined cash flow analysis request electronic document from the information registration server 800 through a predetermined communication means, and the received cash flow analysis request electronics. An information generation unit 865 for generating predetermined electronic document management information for storing and managing a document in the electronic document D / B 875, and the electronic document management information and the cash flow analysis request electronic document And an electronic document storage unit 870 for storing in a predetermined electronic document D / B 875.

The electronic document receiving unit 860 may receive a cash flow analysis request electronic document in the form of an image file and / or a document file from the information registration server 800 through the communication means.

According to the exemplary embodiment of the present invention, the cash flow analysis request electronic document received by the electronic document receiving unit 860 through the communication means is the cash received by the information registration server 800 from the information registration terminal 880. A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the flow analysis target information; or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the cash flow analysis request electronic document received by the electronic document receiver 860 through the communication means is included in the cash flow analysis target information received by the information registration server 800 from the information registration terminal 880. Document information including at least one of customer information, operating cash flow information, investment cash flow information, financial cash flow information, customer information, operating cash flow information, investment cash flow information, and financial cash included in the cash flow analysis target information. After including at least one of the flow information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file) , Or a word processor file including at least one HWP / DOC, or a web document file including the MHT). It eojineun preferred.

Alternatively, the cash flow analysis request electronic document received by the electronic document receiving unit 860 through the communication means is included in the cash flow analysis target information received by the information registration server 800 from the information registration terminal 880. Image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information. It is preferable to include an image file including a.

Alternatively, the cash flow analysis request electronic document received by the electronic document receiver 860 through the communication means is included in the cash flow analysis target information received by the information registration server 800 from the information registration terminal 880. To image content (e.g., image content generated by capturing the document content in memory) that captures document content including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information. After including at least one or more of the customer information, operating cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis information in a watermarking method, the image content including the watermarking It is preferable to include an image file including a.

According to another exemplary embodiment of the present invention, the cash flow analysis request electronic document received by the electronic document receiver 860 through the communication means is received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis information (eg, the document content is stored in memory). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content captured and generated on the Or a web document file including the MHT).

Alternatively, the cash flow analysis request electronic document received by the electronic document receiver 860 through the communication means is included in the cash flow analysis target information received by the information registration server 800 from the information registration terminal 880. To image content (e.g., image content generated by capturing the document content in memory) that captures document content including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information. Generating image content including at least one or more of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information included in the cash flow analysis information by a watermarking method; A document file (eg, a PDF (Portable Document Format) file, or EDI (Electronic) Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the cash flow analysis request electronic document received by the electronic document receiving unit 860 through the communication means is received by the information registration server 800 from the information registration terminal 880. Image content capturing document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in one cash flow analysis information (eg, the document content is stored in memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) including image content captured and generated on the screen and the cash flow analysis target information. Or a web document file including the MHT).

Alternatively, the cash flow analysis request electronic document received by the electronic document receiver 860 through the communication means is included in the cash flow analysis target information received by the information registration server 800 from the information registration terminal 880. To image content (e.g., image content generated by capturing the document content in memory) that captures document content including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information. Generating image content including at least one or more of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information included in the cash flow analysis information by a watermarking method; A document file (eg, PDF (Portable Do) containing the image content and the cash flow analysis target information included therein. cument Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT).

The information generating unit 865 uses a predetermined electronic document unique number (or unique information) to be assigned to the cash flow analysis request electronic document received through the electronic document receiving unit 860, and the electronic document receiving unit 860. And generating electronic document management information including electronic document storage date and time information including a date and time at which the cash flow analysis request electronic document is received (or a date and time at which the cash flow analysis request electronic document is stored). .

According to an exemplary embodiment of the present invention, the information generating unit 865 refers to the cash flow analysis request electronic document received through the electronic document receiving unit 860 by referring to the information registration server 800 that transmits the cash flow. It is preferable to identify the financial institution that has sent the analysis request electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 800 through the electronic document receiving unit 860, the information generating unit 865 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the cash flow analysis target information, and / or financial institution information transmitting the cash flow analysis request electronic document, and / or electronic document file format information) , And / or the cash flow analysis target information, etc.).

The electronic document storage unit 870 associates a cash flow analysis request electronic document received through the electronic document receiving unit 860 with electronic document management information generated through the information generating unit 865 to process a predetermined electronic document. It is characterized in that the storage in the D / B (875).

According to the exemplary embodiment of the present invention, the cash flow analysis request electronic document stored in the electronic document storage unit 870 in the electronic document D / B 875 is the information registration server 800 the information registration terminal ( A document file (eg, PDF (Portable Document) including document content including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received from 880. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the cash flow analysis request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is a cash flow received by the information registration server 800 from the information registration terminal 880. Customer information, operating cash flow information, and investment included in the cash flow analysis target information in document content including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information included in the analysis target information. After including at least one or more information of cash flow information, financial cash flow information by a watermarking method, a document file (eg, a Portable Document Format (PDF) file, or EDI) containing document content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT) From being bait it is preferred.

Alternatively, the cash flow analysis request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is a cash flow received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the analysis target information (for example, the document content is captured on a memory. And an image file including generated image content).

Alternatively, the cash flow analysis request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is a cash flow received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the analysis target information (for example, the document content is captured on a memory. The generated image content) includes at least one or more of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information included in the cash flow analysis target information by a watermarking method. It is preferable to include an image file including the image content including the marking.

According to another exemplary embodiment of the present invention, the cash flow analysis request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is the information registration server 800 in the information registration terminal. Image content (eg, captured) of document content including at least one or more of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information received from 880. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content by capturing the document content on the memory. A word processor file, or a web document file including MHT).

Alternatively, the cash flow analysis request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is a cash flow received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the analysis target information (for example, the document content is captured on a memory. Generated image content) includes image content including at least one or more of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information by a watermarking method. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electron) file that is generated and includes image content including the watermarking. ic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, the cash flow analysis request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is registered by the information registration server 800. Image content (eg, capture) of document content including at least one or more customer information, business cash flow information, investment cash flow information, financial cash flow information included in the cash flow analysis target information received from the terminal 880 A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing the document content generated by capturing the document content on a memory and the cash flow analysis target information, or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the cash flow analysis request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is a cash flow received by the information registration server 800 from the information registration terminal 880. Image content that captures document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the analysis target information (for example, the document content is captured on a memory. Generated image content) includes image content including at least one or more of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information by a watermarking method. And a document file (eg, PDF (Portable D) which includes image content including the watermarking and the cash flow analysis target information. ocument Format file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 875 by processing the electronic document storage unit 870 in association with the cash flow analysis request electronic document is the cash flow analysis. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 875 by processing the electronic document storage unit 870 in association with the cash flow analysis request electronic document is the cash flow. It is preferable that the financial institution further includes information on the financial institution that transmitted the cash flow analysis request electronic document identified with reference to the information registration server 800 that transmitted the analysis request electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 800, the electronic document storage unit 870 is processed in association with the cash flow analysis request electronic document The electronic document management information stored in the electronic document D / B 875 may include customer information transmitted by inputting (selecting) the cash flow analysis target information (eg, the cash flow analysis target information), and / or the cash. Financial institution information for transmitting the flow analysis request electronic document, and / or electronic document file format information, and / or the cash flow analysis target information, etc.).

9 is a diagram showing the configuration of cash flow analysis target information stored in the ledger D / B (900) provided in the DBMS on the financial system in a non-face-to-face manner for analyzing the cash flow of the company according to an embodiment of the present invention.

In more detail, in FIG. 9, when the storage medium 850 shown in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 900 is used. An information structure for an exemplary embodiment of storing cash flow analysis target information including the customer information, operating cash flow information, investment cash flow information, and financial cash flow information is shown. Those skilled in the art will be able to infer various information construction methods for storing the cash flow analysis target information in the ledger D / B 900 by referring to and / or modifying the drawing 9, but the present invention provides the analogy. It includes all implementation methods, and is not limited to only the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (900) provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 900 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical matters therefor will be understood. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 9, the cash flow analysis target information provided through the cash flow analysis information registration system shown in FIG. 8 is stored in the form of additional information added to the account ledger, and the cash flow analysis target information. The customer information, operating cash flow information, investment cash flow information, financial cash flow information is characterized by comprising at least one or more.

The customer information includes the company information of the customer (e.g., company name, business registration number, business address, business phone number, e-mail address, etc.) and the member information of the customer (e.g. the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the cash flow analysis information registration system corresponding to the customer by subscribing as a financial transaction customer of the financial institution Number or the like), and the like.

The operating cash flow information preferably includes at least one of operating cash inflow information or operating cash outflow information corresponding to the sales activity.

The operating cash inflow information included in the operating cash flow information is based on the cash inflow from general commerce such as sales of products or products of the company, cash inflows from trade receivables (receivables or notes received), interest income and dividend income. It is desirable to include at least one or more cash inflows, cash inflows from all other non-financial activities and transactions.

The cash flow information contained in the above cash flow information includes cash outflows from general transactions, such as purchasing raw materials or products, cash outflows from trade payables (trade payables or notes), and cash to suppliers or employees of other goods and services. It is desirable to include at least one outflow, cash outflows from unpaid income tax, cash outflows from interest expense, and cash outflows from other investments and transactions that do not belong to finance.

The investment cash flow information may include at least one of investment cash inflow information or investment cash outflow information corresponding to the investment activity.

The investment cash inflow information included in the investment cash flow information includes the collection of loans (e.g. short-term loans or long-term loans), disposal of securities (e.g., short-term securities, available-for-sale securities, held-to-maturity securities, and equity method). Disposal of at least one stock, etc.), disposal of current assets (eg, disposal of short-term financial instruments, receivables, etc.), disposal of investment assets (eg, disposal of long-term financial instruments, long-term receivables, investment property, deposits, etc.), types It is preferable to include at least one or more of disposal of assets (eg, land, buildings, machinery, vehicle transportation equipment, air-conditioning, etc.), intangible assets (disposal of goodwill, industrial property, etc.).

The investment cash outflow information included in the investment cash flow information includes loans of cash (for example, increases in short-term loans or long-term loans), acquisition of securities (for example, short-term securities, available-for-sale securities, maturity securities, and equity method). Acquisition of stocks, etc., acquisition of current assets (eg, acquisition of short-term financial instruments, receivables, etc.), acquisition of investment assets (eg, acquisition of long-term financial instruments, long-term receivables, investment property, deposits, etc.), acquisition of tangible assets (E.g., acquisition of land, buildings, machinery, vehicle transport equipment, air supplies, etc.) and the like.

Preferably, the financial cash flow information includes at least one financial cash inflow information or financial cash outflow information corresponding to the financial.

Financial cash inflow information included in the financial cash flow information includes: increase in debt (eg increase in unpaid pay, borrowing of short or long term borrowings, issue of bonds, etc.), increase in capital (eg issue of shares, disposal of treasury shares). It is preferable that it comprises at least one or more).

The financial cash outflow information included in the financial cash flow information includes: debt reduction (e.g. reduction of unpaid debt, repayment of short-term or long-term borrowings, repayment of debentures, etc.), reduction of capital (e.g. payment of dividends, paid-offs, self Acquisition of stocks, or the like).

According to another exemplary embodiment of the present invention, the cash flow analysis target information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (for example, the customer ledger). It can be stored in the form of additional information added to and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limited to the present invention.

10 is a diagram illustrating a cash flow analysis subject information stored in a database linked to the ledger D / B 1000 provided in a DBMS on a financial system in a non-face-to-face manner for analyzing the cash flow of a company according to another exemplary embodiment of the present invention. Figure is shown.

In more detail, FIG. 10 shows an information structure for an implementation method in which the storage medium 850 illustrated in FIG. 8 is stored in a predetermined database processed in association with a ledger D / B 1000 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 10 and transmit the cash flow analysis target information to a predetermined database with the ledger D / B 1000. It will be possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when it is not easy to store the cash flow analysis target information in the ledger information of the ledger D / B 1000 on the DBMS provided on the financial system (for example, in the policy of a financial institution, When it is not easy to change the ledger D / B 1000, or the system expansion is not easy due to the characteristics of the financial system), the cash flow analysis target information is transferred to a predetermined database instead of the ledger D / B 1000. And a method of storing the database in association with the ledger D / B 1000.

In addition, the database shown in FIG. 10 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 10, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, the database may store and store the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information in the cash flow analysis target information. The target information may further include a CIF number corresponding to the ledger information in the cash flow analysis target information to be linked to the ledger D / B 1000.

The customer information includes the company information (eg, company name, business registration number, business address, business phone number, e-mail address, etc.) of the customer who prepared the cash flow analysis application, and the member information (eg, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the cash flow analysis information registration system in response to the customer by signing up as a financial transaction customer of the financial institution. (Number) and the like).

The operating cash flow information preferably includes at least one of operating cash inflow information or operating cash outflow information corresponding to the sales activity.

The operating cash inflow information included in the operating cash flow information is based on the cash inflow from general commerce such as sales of products or products of the company, cash inflows from trade receivables (receivables or notes received), interest income and dividend income. It is desirable to include at least one or more cash inflows, cash inflows from all other non-financial activities and transactions.

The information on cash outflows included in the cash flow information includes cash outflows from general transactions such as purchasing raw materials or commodities, cash outflows from trade payables (trade payables or notes), and cash to suppliers or employees of other goods and services. It is desirable to include at least one outflow, cash outflows from unpaid income tax, cash outflows from interest expense, and cash outflows from other investments and transactions that do not belong to finance.

The investment cash flow information may include at least one of investment cash inflow information or investment cash outflow information corresponding to the investment activity.

The investment cash inflow information included in the investment cash flow information includes the collection of loans (e.g. short-term loans or long-term loans), disposal of securities (e.g., short-term securities, available-for-sale securities, held-to-maturity securities, and equity method). Disposal of at least one stock, etc.), disposal of current assets (eg, disposal of short-term financial instruments, receivables, etc.), disposal of investment assets (eg, disposal of long-term financial instruments, long-term receivables, investment property, deposits, etc.), types It is preferable to include at least one or more of disposal of assets (eg, land, buildings, machinery, vehicle transportation equipment, air-conditioning, etc.), intangible assets (disposal of goodwill, industrial property, etc.).

The investment cash outflow information included in the investment cash flow information includes loans of cash (for example, increases in short-term loans or long-term loans), acquisition of securities (for example, short-term securities, available-for-sale securities, maturity securities, and equity method). Acquisition of stocks, etc., acquisition of current assets (eg, acquisition of short-term financial instruments, receivables, etc.), acquisition of investment assets (eg, acquisition of long-term financial instruments, long-term receivables, investment property, deposits, etc.), acquisition of tangible assets (E.g., acquisition of land, buildings, machinery, vehicle transport equipment, air supplies, etc.) and the like.

Preferably, the financial cash flow information includes at least one financial cash inflow information or financial cash outflow information corresponding to the financial.

Financial cash inflow information included in the financial cash flow information includes: increase in debt (eg increase in unpaid pay, borrowing of short or long term borrowings, issue of bonds, etc.), increase in capital (eg issue of shares, disposal of treasury shares). It is preferable that it comprises at least one or more).

The financial cash outflow information included in the financial cash flow information includes: debt reduction (e.g. reduction of unpaid debt, repayment of short-term or long-term borrowings, repayment of debentures, etc.), reduction of capital (e.g. payment of dividends, paid-offs, self Acquisition of stocks, or the like).

11 is a diagram illustrating a cash flow analysis target information configuration stored in the DBMS provided in the banking server 1100 in a non-face-to-face manner for analyzing the cash flow of the company according to another embodiment of the present invention.

In more detail, FIG. 11 shows that the storage medium 850 shown in FIG. 8 is provided with an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. Regarding one embodiment provided in the DBMS provided in the banking server 1100, those skilled in the art to which the present invention pertains, at least one or more banking server by referring to and / or modifying the present figure Although it may be possible to infer a method of constructing information on the cash flow analysis target information stored in a predetermined DBMS included in 1100, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method alone.

Referring to FIG. 11, a predetermined DBMS provided in the banking server 1100 processes the customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. It is characterized by storing.

The customer information includes the company information of the customer (e.g., company name, business registration number, business address, business phone number, e-mail address, etc.) and the member information of the customer (e.g. the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the cash flow analysis information registration system corresponding to the customer by subscribing as a financial transaction customer of the financial institution Number or the like), and the like.

The operating cash flow information preferably includes at least one of operating cash inflow information or operating cash outflow information corresponding to the sales activity.

The operating cash inflow information included in the operating cash flow information is based on the cash inflow from general commerce such as sales of products or products of the company, cash inflows from trade receivables (receivables or notes received), interest income and dividend income. It is desirable to include at least one or more cash inflows, cash inflows from all other non-financial activities and transactions.

The information on cash outflows included in the cash flow information includes cash outflows from general transactions such as purchasing raw materials or commodities, cash outflows from trade payables (trade payables or notes), and cash to suppliers or employees of other goods and services. It is desirable to include at least one outflow, cash outflows from unpaid income tax, cash outflows from interest expense, and cash outflows from other investments and transactions that do not belong to finance.

The investment cash flow information may include at least one of investment cash inflow information or investment cash outflow information corresponding to the investment activity.

The investment cash inflow information included in the investment cash flow information may include the collection of loans (for example, reduction of short-term loans or long-term loans), disposal of securities (for example, short-term securities, available-for-sale securities, held-to-maturity securities, and equity method). Disposal of at least one applied stock, etc.), disposal of current assets (eg, disposal of short-term financial instruments, receivables, etc.), disposal of investment assets (eg, disposal of long-term financial instruments, long-term receivables, investment property, deposits, etc.), It is preferable to include at least one or more of the disposal of tangible assets (for example, disposal of land, buildings, machinery, vehicle transport equipment, air supplies, etc.), disposal of intangible assets (disposal of goodwill, industrial property, etc.).

The investment cash outflow information included in the investment cash flow information includes loans of cash (for example, increases in short-term loans or long-term loans), acquisition of securities (for example, short-term securities, available-for-sale securities, maturity securities, and equity method). Acquisition of stocks, etc., acquisition of current assets (eg, acquisition of short-term financial instruments, receivables, etc.), acquisition of investment assets (eg, acquisition of long-term financial instruments, long-term receivables, investment property, deposits, etc.), acquisition of tangible assets (E.g., acquisition of land, buildings, machinery, vehicle transport equipment, air supplies, etc.) and the like.

Preferably, the financial cash flow information includes at least one financial cash inflow information or financial cash outflow information corresponding to the financial.

The financial cash inflow information included in the financial cash flow information may include an increase in debt (for example, increase in payables, borrowing of short or long-term borrowings, issuance of debentures, etc.), increase in capital (eg, issuance of shares, treasury stocks). At least one or more).

The financial cash outflow information included in the financial cash flow information includes: debt reduction (e.g. reduction of unpaid debt, repayment of short-term or long-term borrowings, repayment of debentures, etc.), reduction of capital (e.g. payment of dividends, paid-offs, self Acquisition of stocks, or the like).

12A and 12B illustrate a process of registering cash flow analysis target information in a non-face-to-face manner for analyzing cash flow of a company according to an exemplary embodiment of the present invention.

12A and 12B show the information registration terminal 880 on the cash flow analysis information registration system shown in FIG. 8 as the client terminal, and the information registration server 800 via the predetermined network means. In the case of having the accessible web server function, at least one predetermined customer receives customer information, operating cash flow information, investment cash flow information, and financial cash flow information through the client terminal for analyzing the cash flow of the company. When the cash flow analysis target information is included, the cash flow analysis information registration system generates a predetermined cash flow analysis request electronic document including the provided cash flow analysis target information and stores the predetermined electronic document storage. , The customer information included in the cash flow analysis target information, operating cash flow information, investment An embodiment of the present invention relates to a method of storing cash flow information and financial cash flow information in a predetermined storage medium 850. Those skilled in the art to which the present invention pertains may refer to FIGS. 12A and 12B. By referring to and / or modified to infer various implementation methods for registering the cash flow analysis target information from the client terminal to the information registration server 800, the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in this figure 12a and 12b.

For example, in the method shown in FIGS. 12A and 12B, the client terminal inputs (or selects) the cash flow analysis target information through a predetermined web page provided by the information registration server 800. Although illustrated as being provided, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 800, and the present invention is not limited thereto.

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the information registration server 800 shown in FIG. 8 is referred to as " server " for convenience. The customer information, business cash flow information, investment cash flow information, and financial cash flow information transmitted to the information registration server 800 are referred to as "cash flow analysis target information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connect to the server via a CDMA-based (and / or HSDPA-based) mobile communication network, and / or an IEEE 802.16x-based portable Internet, and / or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, When requesting a web page including a user interface for analyzing the cash flow of the client (1200), the server correspondingly includes at least one of the customer information, operating cash flow information, investment cash flow information, financial cash flow information Generating (or extracting) a web page including a user interface for inputting (or selecting) cash flow analysis target information and transmitting it to the server And 1205, and outputs via the network unit transmits a web page including a user interface, the generated (or extracted) to the mobile station 1210.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the cash flow analysis target information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) cash flow analysis target information including at least one or more customer information, operating cash flow information, investment cash flow information, and financial cash flow information through a user interface included in the web page ( 1215).

If the terminal inputs (or selects) cash flow analysis target information including the customer information, operating cash flow information, investment cash flow information, and financial cash flow information through the user interface (1220), the terminal receives the The input (or selected) customer information, business cash flow information, investment cash flow information, and financial cash flow information are transmitted to the server through a communication channel (1225).

According to an embodiment of the present invention, the terminal includes the cash flow analysis target information including at least one or more of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity to the server through the network means It is desirable to transmit.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetrical) of cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information. Key-based encryption method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.), and / or to the cash flow analysis target information. Preferably, an electronic signature is attached and transmitted to the server through the network means. For this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Has a predetermined certificate, and / or the certificate has a predetermined IC chip (or IC card) In the case of), it is preferable that a card reader for checking an official certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetrical) of cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information. Key-based encryption method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC chip. (Or IC card), check the official certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains include technical features for various encryption methods for encrypting the cash flow analysis target information, and technical features for attaching a predetermined electronic signature to the cash flow analysis target information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information through the communication channel to confirm the validity of the cash flow analysis target information (1230).

According to an embodiment of the present invention, the cash flow analysis information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may be configured to at least one decryption scheme (eg, a symmetric key-based decryption scheme and / or a public key-based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is desirable to authenticate the validity of the received cash flow analysis information.

Alternatively, when a predetermined electronic signature is attached to the cash flow analysis target information, the server verifies the validity of the received cash flow analysis target information by checking the electronic signature attached to the cash flow analysis target information. It is preferable.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted cash flow analysis target information and technology for confirming an electronic signature attached to the cash flow analysis target information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the cash flow analysis target information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the cash flow analysis target information, the server It is preferable to authenticate the validity of the received cash flow analysis target information by comparing and authenticating the password included in the cash flow analysis target information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the cash flow analysis target information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the cash flow analysis target information, the server analyzes the cash flow analysis. It is preferable to authenticate the validity of the received cash flow analysis target information by comparing and authenticating the received security card information included in the target information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the cash flow analysis target information received through the information receiver 815 further includes a predetermined OTP code for checking the validity of the cash flow analysis target information, the server may analyze the cash flow analysis target. The validity of the received cash flow analysis target information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validation of the cash flow analysis target information may be performed by matching the cash flow analysis target information to the ledger D / B 1000 on a financial system associated with the cash flow analysis information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the server may include, among the information included in the cash flow analysis target information, the customer information (customer personal information, member information, etc.) of the ledger D / B (1000) on the financial system associated with the cash flow analysis information registration system. It is desirable to include a check that matches the customer ledger stored in).

If the validity of the cash flow analysis target information is not authenticated (1235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1240), and the cash flow analysis target Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the cash flow analysis target information is authenticated (1235), the server provides at least one or more customer information, operating cash flow information, investment cash flow information, financial cash flow information including the cash flow analysis target information. A predetermined document content including the document content is generated (1245), and a predetermined cash flow analysis request electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the received cash flow analysis target information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably processed as a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Alternatively, the server may generate document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the received cash flow analysis target information. Document content including the watermarking after including at least one or more information of the customer information, operating cash flow information, investment cash flow information, financial cash flow information, financial cash flow information included in the cash flow analysis target information; A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to process the cash flow analysis application for the cash flow analysis of the company.

Alternatively, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information, and captures the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) as a cash flow analysis request electronic document for analyzing the cash flow of the company.

Alternatively, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. After including at least one or more information in a watermarking manner, it is preferable to process an image file including the image content including the watermarking as a cash flow analysis request electronic document for analyzing the cash flow of the company.

According to another exemplary embodiment of the present invention, the server may include document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the received cash flow analysis target information. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby generating a cash flow analysis application electronic document for analyzing the cash flow of the company. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. ) File, or a word processor file including at least one or more HWP / DOC, etc., or MHT It is preferable that by creating a web page, such as a file), and the process to apply for Electronic Document Analysis Cash Flow for the cash flow analysis of the company.

According to another exemplary embodiment of the present invention, the server may include at least one document content including customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the received cash flow analysis target information. And a predetermined document file (e.g., PDF (e.g., PDF (e.g., image content generated by capturing the document content on the memory) generated by capturing the document content) and the cash flow analysis target information. Analyzing a company's cash flow by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to process the cash flow analysis application electronically.

Alternatively, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information, and the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) include customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. Generating image content including at least one or more of the information by a watermarking method, and a document file including the watermarking image content and the cash flow analysis target information (for example, PDF (Portable Document Format)) War that includes at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. By creating a processor files, or web document MHT file that contains etc), it is preferable to process a cash flow analysis application electronic documents for the cash flow analysis of the company.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a cash flow analysis request electronic document in an image file format and / or a predetermined document file format, and the cash flow analysis request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated cash flow analysis request electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B 875 associated with a server on the cash flow analysis information registration system through predetermined communication means. In the case of being provided externally, the server preferably transmits the generated cash flow analysis request electronic document to the electronic document server 855 via the communication means to store in the electronic document D / B (875). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the cash flow analysis information registration system, the server may display the generated cash flow analysis request electronic document on a DBMS provided in the cash flow analysis information registration system. It is possible to store in the electronic document D / B 875 corresponding to the electronic document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the cash flow analysis request electronic document in the electronic document storage is shown in FIG. 8 by linking the generated cash flow analysis request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (875).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the cash flow analysis request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the cash flow analysis request electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the cash flow analysis target information) and / or financial institution information transmitting the cash flow analysis request electronic document. , And / or the electronic document file format information, and / or the cash flow analysis target information, etc.).

If the cash flow analysis request electronic document is stored in the electronic document repository (1260), the server includes the customer information, business cash flow information, investment cash flow information and financial cash flow information included in the cash flow analysis target information. In step 1265, the data is stored in a predetermined storage medium 1005.

Thereafter, the server analyzes the cash flow corresponding to the cash flow analysis target information including at least one of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information (y70), and the analyzed cash flow. Analysis information is stored in the storage medium 1005 (y75).

Thereafter, predetermined information registration history information (eg, a history of storing the cash flow analysis request electronic document in the electronic document repository, and / or a history of storing the cash flow analysis target information in the storage medium 1005), At least one cash flow analysis information is generated (or extracted) and transmitted to the terminal (y80).

According to one embodiment of the invention, the storage medium 1005 is preferably provided in a DBMS on a financial system provided on the cash flow analysis information registration system (or associated with the cash flow analysis information registration system). In this case, the storage medium 1005 may be a ledger D / B 1000 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 1000. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1005 is provided on (or associated with) the cash flow analysis information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate a process of registering cash flow analysis target information through a non-face-to-face financial transaction channel for analyzing a cash flow of a company according to an exemplary embodiment of the present invention.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case where the cash flow analysis information registration system shown in FIG. 8 is realized through an internet banking system in a non-face-to-face financial transaction channel (ie, the cash shown in FIG. 8). In the case where the information registration server 800 on the flow analysis information registration system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and a predetermined customer. After performing the authentication procedure, when the client terminal transmits the predetermined cash flow analysis target information for analyzing the cash flow of the company to the internet banking server, the internet banking server includes the received cash flow analysis target information. Generate a predetermined cash flow analysis application electronic document and store it in a predetermined electronic document storage, the cash flow analysis In the technical field to which the customer information, operating cash flow information, investment cash flow information, financial cash flow information included in the phase information is stored in a predetermined storage medium 1005, Those skilled in the art can infer various implementation methods for registering the cash flow analysis target information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 13a, 13b, and 13c. It will be appreciated that the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 13A, 13B and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering cash flow analysis target information between the client terminal and the internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C. Terminal and Internet Banking Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering cash flow analysis target information between servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method for connecting a non-face-to-face channel-based financial transaction channel for registering cash flow analysis target information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 800 is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information ( Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the terminal may provide the server to register the cash flow analysis target information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registering cash flow analysis target information. Attach a predetermined digital signature to information (or data) to be provided and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined cash flow analysis target information for analyzing a cash flow of a company from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for analyzing the cash flow of the company to the server through an internet banking-based financial transaction channel (1300b), the server responds to the customer information and business cash. Generate (or extract) a web page including a user interface for inputting (or selecting) cash flow analysis target information including at least one of flow information, investment cash flow information, and financial cash flow information to be transmitted to the server; In operation 1305b, the webpage including the generated (or extracted) user interface is transmitted to the terminal and output through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page inputs (or selects) cash flow analysis target information including at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information. It may preferably comprise a user interface, and / or predetermined password and / or security card information (e.g., an Internet banking application process) to verify the validity of an Internet banking customer requesting to register the cash flow analysis target information. The security card information printed on the security card issued to the customer and / or the one time password (OTP) (eg, the internet banking application process (or after the internet banking application), the OTP authenticator (or OTP) provided to the customer by the financial institution. And a user interface for inputting a one-time password generated through the authentication program). This is preferred.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the cash flow analysis target information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information through the information registration interface (1315b).

If the terminal inputs (or selects) cash flow analysis target information including the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information through the user interface (1320b), the terminal receives the The input (or selected) cash flow analysis target information is transmitted to the server through a financial transaction channel (1325b).

According to an embodiment of the present invention, the terminal includes the cash flow analysis target information including at least one or more of the customer information, the operating cash flow information, the investment cash flow information, and the financial cash flow information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity to the server through the network means It is desirable to transmit.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetrical) of cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information. Key-based encryption method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc. Preferably, a signature is transmitted to the server through the network means, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Has a certified certificate, and / or the certificate has a predetermined IC chip (or IC card) In the case of), it is preferable that a card reader for checking an official certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetrical) of cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, and financial cash flow information. Key-based encryption method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC chip. (Or IC card), check the official certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the cash flow analysis target information, and technical features of attaching a predetermined electronic signature to the cash flow analysis target information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the cash flow analysis target information through the financial transaction channel to confirm the validity of the cash flow analysis target information (1330b).

According to an embodiment of the present invention, the cash flow analysis information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may be configured to at least one decryption scheme (eg, a symmetric key-based decryption scheme and / or a public key-based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is desirable to authenticate the validity of the received cash flow analysis information.

Alternatively, when a predetermined electronic signature is attached to the cash flow analysis target information, the server verifies the validity of the received cash flow analysis target information by checking the electronic signature attached to the cash flow analysis target information. It is preferable.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted cash flow analysis target information and technology for confirming an electronic signature attached to the cash flow analysis target information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the cash flow analysis target information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the cash flow analysis target information, the server It is preferable to authenticate the validity of the received cash flow analysis target information by comparing and authenticating the password included in the cash flow analysis target information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the cash flow analysis target information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the cash flow analysis target information, the server analyzes the cash flow analysis. It is preferable to authenticate the validity of the received cash flow analysis target information by comparing and authenticating the received security card information included in the target information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the cash flow analysis target information received through the information receiver 815 further includes a predetermined OTP code for checking the validity of the cash flow analysis target information, the server may analyze the cash flow analysis target. The validity of the received cash flow analysis target information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validation of the cash flow analysis target information may be performed by matching the cash flow analysis target information to the ledger D / B 1000 on a financial system associated with the cash flow analysis information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the server may include, among the information included in the cash flow analysis target information, the customer information (customer personal information, member information, etc.) of the ledger D / B (1000) on the financial system associated with the cash flow analysis information registration system. It is desirable to include a check that matches the customer ledger stored in).

If the validity of the cash flow analysis target information is not authenticated (1335b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1340b), and the cash flow analysis target information. Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the cash flow analysis target information is authenticated (1335b), the server may include at least one or more customer information, operating cash flow information, investment cash flow information, and financial cash flow information including the cash flow analysis target information. Generate a predetermined document content including (1345b), and generates a predetermined cash flow analysis request electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the received cash flow analysis target information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably processed as a cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Alternatively, the server may generate document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the received cash flow analysis target information. After at least one of customer information, operating cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis information is watermarked, the document content including the watermarking is included. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the cash flow analysis application electronic document for the cash flow analysis of the enterprise.

Alternatively, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information, and captures the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) as a cash flow analysis request electronic document for analyzing the cash flow of the company.

Alternatively, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. After including at least one or more information in a watermarking method, it is preferable to process an image file including the image content including the watermarking as a cash flow analysis request electronic document for analyzing the cash flow of the company. .

According to another exemplary embodiment of the present invention, the server may include document content including at least one of customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the received cash flow analysis target information. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby generating a cash flow analysis application electronic document for analyzing the cash flow of the company. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a PDF (Portable Document Format) file or an EDI (Electronic Data) file including the watermarking image content). Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT It is preferable that by creating a web page, such as a file), and the process to apply for Electronic Document Analysis Cash Flow for the cash flow analysis of the company.

According to another exemplary embodiment of the present invention, the server may include at least one document content including customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the received cash flow analysis target information. And a predetermined document file (e.g., PDF (e.g., PDF (e.g., image content generated by capturing the document content on the memory) generated by capturing the document content) and the cash flow analysis target information. Analyzing a company's cash flow by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to process the cash flow analysis application electronically.

Alternatively, the server generates document content including at least one of customer information, business cash flow information, investment cash flow information, financial cash flow information included in the received cash flow analysis target information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one or more information by a watermarking method, and including the watermarking image content and the cash flow analysis target information. Or at least one electronic data interchange (EDI) file or HWP / DOC. By creating a processor files, or web document MHT file that contains etc), it is preferable to process a cash flow analysis application electronic documents for the cash flow analysis of the company.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a cash flow analysis request electronic document in an image file format and / or a predetermined document file format, and the cash flow analysis request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated cash flow analysis request electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B 875 associated with a server on the cash flow analysis information registration system through predetermined communication means. In the case of being provided externally, the server preferably transmits the generated cash flow analysis request electronic document to the electronic document server 855 via the communication means to store in the electronic document D / B (875). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the cash flow analysis information registration system, the server may display the generated cash flow analysis request electronic document on a DBMS provided in the cash flow analysis information registration system. It is possible to store in the electronic document D / B 875 corresponding to the electronic document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the cash flow analysis request electronic document in the electronic document storage is shown in FIG. 8 by linking the generated cash flow analysis request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (875).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the cash flow analysis request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the cash flow analysis request electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the cash flow analysis target information) and / or financial institution information transmitting the cash flow analysis request electronic document. , And / or the electronic document file format information, and / or the cash flow analysis target information, etc.).

If the cash flow analysis request electronic document is stored in the electronic document repository (1360c), the server includes the customer information, business cash flow information, investment cash flow information, and financial cash flow information included in the cash flow analysis target information. It is stored in a predetermined storage medium 1005 by the associated process (1365c).

Then, the server analyzes the cash flow corresponding to the cash flow analysis target information including at least one of the customer information, operating cash flow information, investment cash flow information, financial cash flow information (1370c), the analyzed cash flow Analysis information is stored in the storage medium 1005 (1375c).

Thereafter, predetermined information registration history information (eg, a history of storing the cash flow analysis request electronic document in the electronic document repository, and / or a history of storing the cash flow analysis target information in the storage medium 1005), At least one cash flow analysis information is generated (or extracted) and transmitted to the terminal (1380c).

According to one embodiment of the invention, the storage medium 1005 is preferably provided in a DBMS on a financial system provided on the cash flow analysis information registration system (or associated with the cash flow analysis information registration system). In this case, the storage medium 1005 may be a ledger D / B 1000 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 1000. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1005 is provided on (or associated with) the cash flow analysis information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a non-face-to-face financial transaction system for recommending a payment method and providing an inter-company payment service according to a cash flow analysis result according to another exemplary embodiment of the present invention.

More specifically, FIG. 14 shows a company account information, payment amount information, and payment for a predetermined customer to recommend a payment method and provide an inter-company payment service according to the cash flow analysis result to a financial transaction system through a predetermined financial transaction interface. When the financial transaction request information including at least one means information is provided, the cash flow analysis is performed using the corporate account information, payment amount information, and payment means information included in the provided financial transaction request information in the financial transaction system. The present invention relates to a system for providing a financial transaction for recommending a payment method and providing a payment service between companies, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. Recommend payment method based on cash flow analysis and finance to provide payment service between companies Various implementation methods for the transaction system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system illustrated in FIG. 14, the payment method is recommended according to the cash flow analysis result and the financial services for providing the inter-company payment service. A component corresponding to at least one or more means and / or functional configurations for providing a transaction is called " financial transaction server 1400 " for convenience, and the financial transaction server in FIG. 14 providing the non-face-to-face financial transaction service. 1400 may include all types of non-face-to-face banking servers including at least one or more of an Internet banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 14 according to an embodiment of the present invention, a financial transaction system for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result includes at least one wired terminal and / or wireless terminal used by a customer. The financial transaction terminal 1440 including at least one or more client terminals and the like, a network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 1440 is connected, and the network means. A financial transaction server 1400 connected to a financial transaction terminal 1440 and processing a financial transaction for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result includes a financial system in which the corporate account is opened. It is characterized by.

The financial system that processes at least one financial transaction service through the corporate account in connection with the financial transaction server 1400 may include at least one window terminal and a predetermined terminal provided at a branch (and / or a branch) of the financial institution. Characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction services to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop, a laptop equipped with the wireless LAN / portable Internet connection and a browsing function, and / or a mobile terminal.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one wireless terminal (e.g., wireless terminal equipped with a financial IC chip) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. Through IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). Characterized in that the link is processed and stored, the ledger information corresponds to the corporate account It is characterized in that it comprises a predetermined account ledger.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer accesses the financial transaction server 1400 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial transaction server 1400 inputs (or selects) financial transaction request information for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result through at least one user interface, the client terminal In this case, it is preferable to transmit to a financial transaction server 1400 provided on the financial transaction system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the financial transaction server 1400 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the financial transaction server 1400 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the financial transaction server 1400, inputs and / or selects at least one information through the user interface, and transmits the information to the financial transaction server 1400. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the financial transaction server 1400, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial transaction system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 1400 and The wireless communication network performs a function of a financial transaction interface for registering the financial transaction request information for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1440 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 1440 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial transaction server The financial network connecting 1400 performs a function of a financial transaction interface for registering a financial transaction request information for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result, and / or When the financial transaction terminal 1440 is the call terminal (not shown), a wired telephone network and / or wireless connection between the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 1400. The telephone network is a financial transaction interface for the customer to register financial transaction request information for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the financial transaction terminal 1440 (not shown), the terminal (and / or server) ( (Not shown) and the network connecting the terminal (and / or server) (not shown) to the financial transaction server 1400 may be used by the customer for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result. It performs the function of the financial transaction interface for registering financial transaction request information.

The financial transaction server 1400 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1440 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 1440 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server 1400. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 1400 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server 1400 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the financial transaction server 1400 may be A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The financial transaction request information transmitted from the financial transaction terminal 1440 to the financial transaction server 1400 for recommending a payment means and providing an inter-company payment service according to the cash flow analysis result may include predetermined corporate account information and payment. Characterized in that it comprises at least one payment amount information, payment means information.

The corporate account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the corporate account) Customer Information File (CIF) number of the customer, financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and in charge of the company account) Name, a person in charge code, etc.).

Preferably, the payment amount information includes a financial transaction amount settled from the corporate account in order to recommend a payment method and provide an inter-company payment service according to the cash flow analysis result.

The payment means information preferably means a means for payment using a predetermined payment means (for example, cash, purchase theory, jongdae, purchase fund loan, general funds loan, etc.) for the inter-company payment.

In accordance with the characteristics of the financial transaction system shown in FIG. 14, the financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result is made through the non-face-to-face channel. Amount information, payment means information is further comprises at least one or more security code information (eg, one or more security code, or two or more security code combination) provided in the security card provided to the customer during the opening of the corporate account, And / or an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, due to the characteristics of the financial transaction system shown in FIG. 14, the financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result is made through the non-faced channel. Payment settlement amount information, payment means information is the authentication certificate information provided in the customer's IC card that is linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1440 (or the financial transaction terminal), Or encrypting the financial transaction request information based on at least one encryption key included in the authorized certificate, or attaching the electronic signature of the customer to the financial transaction request information.

According to an embodiment of the present invention, the financial transaction server 1400 is provided with an interface unit 1405 for connecting and managing a predetermined communication channel with the financial transaction terminal 1440 through the network means. do.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1405 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial transaction server 1400, the interface unit 1405 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a financial automation device connected to a predetermined financial network, the interface unit 1405 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial transaction server 1400, the interface unit 1405 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1405 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. To provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1405 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 14, the financial transaction server 1400 may be configured such that a predetermined financial transaction terminal 1440 connects a communication channel with the financial transaction server 1400 through the interface unit 1405, and / or the communication. When requesting a financial transaction for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result through a channel, predetermined financial transaction request information is linked from the financial transaction terminal 1440 in conjunction with the interface unit 1405. And an interface providing unit 1410 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting the predetermined user interface to the financial transaction terminal 1440. When a predetermined terminal-side banking program including the user interface is provided at 1440, the interface providing unit 1410 may be omitted. The.

In addition, the financial transaction server 1400 inputs (or selects) predetermined financial transaction request information from the financial transaction terminal 1440 in association with the interface unit 1405 to the financial transaction terminal 1440. The user interface generated and provided by the interface providing unit 1410 in connection with the interface providing unit 1410 which generates (or extracts) a predetermined user interface and provides the financial transaction terminal 1440 to the financial transaction terminal 1440. In the process of inputting (or selecting) financial transaction request information, a payment confirmation unit 1430 is provided for providing recommended payment means information for inputting (or selecting) payment means information included in the financial transaction request information. When the financial transaction terminal 1440 is provided with a predetermined terminal-side banking program including the user interface, Preferably, the banking program is provided with the recommended payment means information in the process of accessing the financial transaction server 1400.

The interface providing unit 1410 is provided in the financial transaction terminal 1440 after a predetermined financial transaction terminal 1440 connects a communication channel with the financial transaction server 1400 through the interface unit 1405. Corresponding to the functional configuration, generate a predetermined user interface capable of inputting (or selecting) the financial transaction request information to the financial transaction server 1400 via the network means, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 1405 to the financial transaction terminal 1440 through the network means.

According to an embodiment of the present invention, when the financial transaction terminal 1440 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1410. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1405. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a financial automatic device connected to a predetermined financial network, the interface providing unit 1410 may be a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1410 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1405 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1440 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1410 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1405. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal 1440 and transmitting the financial transaction request information to the financial transaction server 1400 through the network means is provided. When the predetermined terminal-side banking program is provided, the interface providing unit 1410 for providing the user interface to the financial transaction terminal 1440 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) financial transaction request information including at least one of corporate account information, payment amount information, and payment means information, and transmits it to the financial transaction server 1400. It is preferable to include an interface function to make.

The customer in the process of generating the user interface for inputting (or selecting) the financial transaction request information in the interface providing unit 1410 in connection with the interface providing unit 1410. It is characterized in that the interface providing unit 1410 provides recommended payment means information for inputting (or selecting) payment means information for payment of the input payment amount information.

According to the present invention, the payment confirmation unit 1430 generates the user interface for inputting (or selecting) the financial transaction request information in the interface provider 1410 in association with the interface provider 1410. It is preferable to provide the interface providing unit 1410 with recommended payment means information for inputting (or selecting) payment means information for paying the payment amount information input by the customer.

Here, the method for providing the recommended payment means information, in connection with the cash flow analysis information registration system shown in FIG. 1 or 8, customer information, cash flow information, investment cash flow for analyzing the cash flow of the company Input cash flow analysis target information including at least one information and financial cash flow information, and store cash flow analysis information according to the cash flow analysis in response to the input cash flow analysis target information, in the financial system; In the process of providing the user interface, it is preferable to check the cash flow information corresponding to the cash flow analysis information of the company and to provide the recommended payment means information corresponding to the confirmed cash flow information.

In addition, the process of providing the recommendation payment means information, it is preferable not to provide only one recommendation payment means information that is advantageous to the enterprise, it is preferable to provide all the recommended payment means information corresponding to the order in favor of the company.

The recommended payment means information preferably includes at least one or more cash, purchasing theory, longitudinal loan, purchaser loan, general funds loan.

Referring to FIG. 14, the financial transaction server 1400 may receive financial transaction request information including at least one of corporate account information, payment amount information, and payment means information from the financial transaction terminal 1440 through the user interface. When receiving (or selecting) and transmitting, the information receiving unit 1415 receiving the financial transaction request information including at least one of the company account information, payment amount information, and payment means information in association with the interface unit 1405. A validity checking unit 1425 for validating the corporate account information, payment amount information, and payment means information included in the received financial transaction request information; and the validity is confirmed in connection with the financial system. Financial transactions for recommending payment methods and providing payment services between companies based on the cash flow analysis results based on financial transaction request information In connection with the financial transaction processing unit 1435 and the financial transaction processing unit 1435 to process, generates predetermined financial transaction result information on financial transactions for recommending payment methods and providing payment services between companies according to the cash flow analysis results. And an information providing unit 1420 for transmitting the financial transaction result information to the financial transaction terminal 1440 in association with the interface unit 1405.

The financial transaction terminal 1440 inputs (or selects) financial transaction request information including at least one of the corporate account information, payment amount information, and payment means information through the user interface, and the financial means through the network means. Characterized in that the transmission to the transaction server 1400.

The information receiving unit 1415 inputs (or selects) financial transaction request information including at least one of corporate account information, payment amount information, and payment means information through the user interface at the financial transaction terminal 1440. When transmitting through a network means, the financial transaction request information is received in connection with the interface unit 1405 and the received financial transaction request information is provided to the validity confirming unit 1425.

The corporate account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the corporate account) Customer Information File (CIF) number of the customer, financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and in charge of the company account) Name, contact person code, etc.) may be further included.

Preferably, the payment amount information includes a financial transaction amount settled from the corporate account in order to recommend a payment method and provide an inter-company payment service according to the cash flow analysis result.

The payment means information preferably means means for payment using a predetermined payment means (for example, cash, purchase theory, jongdae, purchase fund loan, general funds loan, etc.) for the inter-company payment.

In accordance with the characteristics of the financial transaction system shown in FIG. 14, the financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result is made through the non-face-to-face channel. Amount information, payment means information is further comprises at least one or more security code information (eg, one or more security code, or two or more security code combination) provided in the security card provided to the customer during the opening of the corporate account, And / or an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, due to the characteristics of the financial transaction system shown in FIG. 14, the financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result is made through the non-faced channel. Payment settlement amount information, payment means information is the authentication certificate information provided in the customer's IC card that is linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1440 (or the financial transaction terminal), Or encrypting the financial transaction request information based on at least one encryption key included in the authorized certificate, or attaching the electronic signature of the customer to the financial transaction request information.

The validity confirming unit 1425 checks whether the financial transaction request information received from the financial transaction terminal 1440 satisfies the validity for recommending a payment method and providing an inter-company payment service according to a cash flow analysis result.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the corporate account information included in the financial transaction request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the corporate account is provided, and if the account ledger (or the customer ledger corresponding to the corporate account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

In addition, the validity check of the financial transaction request information includes the amount deposited in the corporate account (eg, an account ledger provided in the ledger D / B on the financial system corresponding to the corporate account) in the financial transaction request information. It is preferable to include whether the amount is greater than the payment amount, and if the balance of the corporate account is greater than the payment amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information includes a variety of passwords corresponding to predetermined authentication information included in the financial transaction request information and an account ledger provided in the ledger D / B on the financial system in response to the corporate account. And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the authentication information match. The financial transaction request information when the various passwords corresponding to the authentication information match. May also be valid for.

In addition, in the characteristic of the non-face-to-face financial transaction system illustrated in FIG. 14, when the authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed using the security code information and the The security code information corresponding to the authentication information is matched with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system corresponding to the corporate account. It is preferable that the verification is made, and if the security code information corresponding to the authentication information is matched, the validity of the financial transaction request information may be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 14, when the authentication information further includes a predetermined OTP code, the validity check of the financial transaction request information is performed to the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the paid OTP generator, and compares the OTP code and the OTP authentication code, whether the OTP code corresponding to the authentication information matches the OTP authentication code It is preferable to include a check, and if the OTP code corresponding to the authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1440, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity verification of the financial transaction request information confirms the electronic signature of the customer for the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1435 is linked with a financial system equipped with an account ledger corresponding to the corporate account, the corporate account information and payment settlement included in the financial transaction request information. On the basis of the amount information, payment means information characterized in that the financial transaction for recommending the payment means and the payment service between companies based on the cash flow analysis results.

In addition, the information processed by the financial transaction processing unit 1435 may be used to recalculate the cash flow analysis information in connection with the cash flow analysis target information.

According to the implementation method of the present invention, the financial transaction processing unit 1435 is linked with the payment means information from the account ledger corresponding to the corporate account information included in the financial transaction request information in connection with the financial system, the payment amount It is desirable to process a payment corresponding to the information.

When the financial transaction processing unit 1435 processes a financial transaction for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result, the information providing unit 1420 is connected to the financial transaction processing unit 1435. Generate a financial transaction processing history including any one of a financial transaction approval history or a financial transaction error history for a financial transaction for providing a payment service recommendation and an inter-company payment service according to the cash flow analysis result, and the interface unit 1405. And the financial transaction result information including the financial transaction processing details to the financial transaction terminal 1440 through the network means.

Here, the financial transaction processing history is characterized in that it comprises the company account information, payment amount information and the payment means information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. It is done.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1440 through the network means. The financial transaction result information may include the financial transaction. Similar to the request information, it is preferably encrypted or transmitted to the financial transaction terminal 1440 with the electronic signature of the financial institution attached.

15 illustrates a ledger configuration corresponding to a corporate account provided in a financial system for a non-face-to-face financial transaction for recommending a payment method and providing an inter-company payment service according to a cash flow analysis result according to an embodiment of the present invention. One drawing.

In more detail, Figure 15 illustrates an implementation method including an account ledger corresponding to the corporate account in the ledger D / B 1500 provided in the DBMS on the financial system shown in Figure 14, to which the present invention pertains. Those skilled in the art may refer to and / or modify this drawing 15 to correspond to the corporate account provided in the financial system for recommending payment means and providing inter-company payment services according to the cash flow analysis results. Various implementation methods for the ledger configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 15 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1500 provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account associated with the customer ledger It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B 1500 provided in the main office maintains and maintains at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included to further understand, and the specific technical matters for this will be understood. A detailed description thereof will be omitted for convenience.

The customer ledger is a ledger including customer information corresponding to the corporate account for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result, and includes a customer information file (CIF) number, a country code, a contact ID, Branch No., Customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone number, mailing address, account number, president, type of business, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is a ledger corresponding to the corporate account for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result. The ledger is relationally associated with the customer ledger, and the account number, CIF number, point number, currency, Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date, It includes at least one final payment amount, final withdrawal amount, number of unpaid account transactions, interest rate accounting, consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. Periodic reception information including at least one or more of the account number, abstention (months), period (days), period extension, expiration date and target amount, and / or account number corresponding to the account ledger Trust receipt information including at least one or more of the following information, trust amount, par value, pension date and number of shares, and / or account number, transaction number, date, number, commodity type, transaction type, cash amount, It includes transaction history information including at least one or more RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

16 is a non-face-to-face payment method recommendation according to the cash flow analysis result and the payment method recommendation according to the cash flow analysis result and financial services for providing inter-company payment service according to an embodiment of the present invention. A diagram illustrating a process of processing a transaction.

In more detail, FIG. 16 illustrates a case in which the financial transaction server 1400 on the financial transaction system illustrated in FIG. 14 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server 1400 and connecting a communication channel for the financial transaction, the corporate account information, payment amount information, and payment means information are transmitted to the financial transaction server 1400 through the communication channel. When the financial transaction request information is transmitted, the financial transaction server 1400 uses the company account information, payment amount information, and payment means information included in the received financial transaction request information to the cash flow analysis result. The present invention relates to an implementation method for providing a financial transaction for recommending a payment method and providing a payment service between companies. Is a person having ordinary skill in the art, the process of processing a financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result in the non-face-to-face manner by referring to and / or modifying the drawing 16. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the client terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the financial transaction server 1400 shown in FIG. 14 is referred to as "server" for convenience.

Referring to Figure 16, the terminal shown in Figure 14 is a predetermined network means (e.g., if the terminal is a wired terminal, a TCP / IP based wired communication network, if the terminal is a wireless terminal, a CDMA based mobile communication network, and / Or HSDPA-based wireless communication network and / or IEEE 802.16x-based portable Internet, etc.) when accessing the server and requests a financial transaction for recommending payment method and the inter-company payment service based on the result of the cash flow analysis (1600) In response, the server inputs financial transaction request information including at least one corporate account information, payment amount information, and payment means information for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result. Generating (or extracting) a web page including recommended payment means information in a user interface (or selecting), and And it transmits the output word (1605).

Here, the method for providing the recommended payment means information, in connection with the cash flow analysis information registration system shown in FIG. 1 or 8, customer information, cash flow information, investment cash flow for analyzing the cash flow of the company Input cash flow analysis target information including at least one information and financial cash flow information, and store cash flow analysis information according to the cash flow analysis in response to the input cash flow analysis target information, in the financial system; In the process of providing the user interface, it is preferable to check the cash flow information corresponding to the cash flow analysis information of the company and to provide the recommended payment means information corresponding to the confirmed cash flow information.

In addition, the process of providing the recommendation payment means information, it is preferable not to provide only one recommendation payment means information that is advantageous to the enterprise, it is preferable to provide all the recommended payment means information corresponding to the order in favor of the company.

The recommended payment means information preferably includes at least one or more cash, purchasing theory, longitudinal loan, purchaser loan, general funds loan.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the corporate account information, payment amount information, and payment means information through the user interface (1610).

If the terminal receives (or selects) financial transaction request information including the corporate account information, payment amount information, and payment means information (1615) through the user interface, the terminal inputs the information through the communication channel. (Or selected) the company account information, payment amount information, and payment means information is transmitted to the server (1620), and the corporate account information and payment amount information input (or selected) through the communication channel in the terminal. The transmitting of the payment means information to the server may include electronically signing and / or encrypting the financial transaction request information input (or selected) through the user interface through a security module (not shown) provided in the terminal. It is preferable that the transmission further comprises.

Here, the corporate account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the corporate account according to the intention of the skilled person) Customer Information File (CIF) number, customer information (eg bank name, or bank code), branch information (e.g., branch code), contact information (e.g., opening and in charge of the company account) A contact person name, a contact person code, etc.).

Preferably, the payment amount information includes a financial transaction amount settled from the corporate account in order to recommend a payment method and provide an inter-company payment service according to the cash flow analysis result.

The payment means information preferably means means for payment using a predetermined payment means (for example, cash, purchase theory, jongdae, purchase fund loan, general funds loan, etc.) for the inter-company payment.

In accordance with the characteristics of the financial transaction system shown in FIG. 14, the financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result is made through the non-face-to-face channel. Amount information, payment means information is further comprises at least one or more security code information (eg, one or more security code, or two or more security code combination) provided in the security card provided to the customer during the opening of the corporate account, And / or an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, due to the characteristics of the financial transaction system shown in FIG. 14, the financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result is made through the non-faced channel. Payment settlement amount information, payment means information is the authentication certificate information provided in the customer's IC card that is linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1440 (or the financial transaction terminal), Or encrypting the financial transaction request information based on at least one encryption key included in the authorized certificate, or attaching the electronic signature of the customer to the financial transaction request information.

Thereafter, the server receives and reads the financial transaction request information including at least one of the corporate account information, the payment amount information, and the payment means information through the communication channel to confirm the validity of the financial transaction request information; 1625), wherein the validity of the financial transaction request information is determined, when the financial transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the financial transaction request information is determined. And decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account ledger for the financial account corresponding to the corporate account information included in the financial transaction request information in the ledger D / B 1500 on the financial system. (Or checking whether the customer ledger corresponding to the corporate account) is provided, and if the account ledger (or the customer ledger corresponding to the corporate account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the corporate account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the corporate account) the financial transaction request It is preferable to include whether the amount is greater than the payment amount contained in the information, and if the business account balance is greater than the payment amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B 1500 on the financial system corresponding to the various passwords and the corporate account corresponding to the predetermined authentication information included in the financial transaction request information And comparing the various passwords (or linked) on the account ledger, and confirming whether the various passwords corresponding to the authentication information match, and, if the various passwords corresponding to the authentication information match, It may also be valid for transaction request information.

In addition, in the characteristic of the non-face-to-face financial transaction system illustrated in FIG. 14, when the authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed using the security code information and the Security code corresponding to the authentication information, compared to the security code information corresponding to the security card included on (or associated with) the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the corporate account It is preferable to include whether the information is matched, and if the security code information corresponding to the authentication information is matched, the validity of the financial transaction request information may be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 14, when the authentication information further includes a predetermined OTP code, the validity check of the financial transaction request information is performed to the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the paid OTP generator, and compares the OTP code and the OTP authentication code, whether the OTP code corresponding to the authentication information matches the OTP authentication code It is preferable to include a check, and if the OTP code corresponding to the authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1440, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (1630), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1635), and the communication channel. The financial transaction result information including the financial transaction processing history is transmitted to the terminal (1655) through which the terminal outputs a financial transaction result including the financial transaction processing history (1660).

On the other hand, if the validity of the financial transaction request information is authenticated (1630), the server is linked to a financial system equipped with an account ledger corresponding to the corporate account information included in the financial transaction request information, payment amount On the basis of the information and the payment means information, a financial transaction for recommending a payment method and providing a payment service between companies based on the cash flow analysis result is processed (1640).

According to the implementation method of the present invention, the server is linked to the financial system from the account ledger corresponding to the company account information included in the financial transaction request information corresponding to the payment amount information in connection with the payment means information It is desirable to process the payment.

If a financial transaction corresponding to the financial transaction request information is processed (1645), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1650, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel (1655). In response, the terminal transmits the financial transaction result including the financial transaction processing history. The screen is output (1660).

17A and 17B are non-face-to-face payment method recommendation and inter-company payment service in a non-face-to-face manner for recommending a payment method and providing an inter-company payment service according to a cash flow analysis result according to another exemplary embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for provision.

In more detail, FIGS. 17A and 17B illustrate that when the financial transaction system illustrated in FIG. 14 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., predetermined financial transaction request information for recommending a payment method and providing an inter-company payment service according to a cash flow analysis result in the client terminal. When the financial transaction request information including the corporate account information, payment amount information, payment means information is transmitted to the Internet banking server, the company included in the received financial transaction request information from the financial transaction server 1400 Payment according to the cash flow analysis result using account information, payment amount information, payment method information The present invention relates to a method for providing a financial transaction for recommending a means and providing an inter-company payment service. Those skilled in the art may refer to and / or modify the drawings 17a and 17b. In addition to internet banking, various implementation methods for processing financial transactions for recommending payment methods and providing inter-company payment services based on cash flow analysis results may be inferred in other non-face-to-face manners. It includes an implementation method and is not limited to the implementation method shown in FIG.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 17A and 17B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 17A and 17B, based on a predetermined Internet banking program mounted on the client terminal, between the client terminal and the Internet banking server. Financial transactions Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for request information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 17a and 17b, a telebanking system And / or for recommending a payment method based on the result of the cash flow analysis and processing a financial transaction for providing an inter-company payment service in all other non-face-to-face banking systems including at least one of a wireless banking system and / or a TV banking system. While it may be possible to infer an implementation method of connecting a financial transaction channel corresponding to each non-face-to-face channel, the present invention provides the telebanking system and / or the wireless banking system and / or the TV banking system and / or the proposed non-face-to-face. It includes all kinds of non-face-to-face channel based financial transactions, including channel banking system, The technical configuration is not limited to the case of the Internet banking shown in Figs. 17A and 17B.

Hereinafter, in FIG. 17A and FIG. 17B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server 1400 is referred to as a "server" for convenience.

17A and 17B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server communicates between the terminal and the server through the browser. (1705a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1710a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (1715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1720a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1725a), or if the terminal does not need to install and / or update the security module for internet banking (1715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1730a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering financial transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering financial transaction request information in the terminal. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1735a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1740a), the server (and / or authentication server) authenticates the customer connected via the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1745a).

If the Internet banking customer authentication fails (1750a), the server blocks the Internet banking security channel for the terminal (1755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1750a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1760a), where the Internet banking-based The financial transaction channel refers to a financial transaction request information including at least one corporate account information, payment amount information, and payment means information from the terminal to the server to process the internet banking based financial transaction. It means the communication channel.

Subsequently, the terminal requests an internet banking-based financial transaction for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result to the server through the financial transaction channel (1700b), and the server correspondingly In the user interface for inputting (or selecting) financial transaction request information including at least one of company account information, payment amount information, and payment means information for recommending a payment method and providing an inter-company payment service according to the cash flow analysis result. A web page including recommended payment means information is generated (or extracted), transmitted to the terminal through the financial transaction channel, and output (1705b).

Here, the method for providing the recommended payment means information, in connection with the cash flow analysis information registration system shown in FIG. 1 or 8, customer information, cash flow information, investment cash flow for analyzing the cash flow of the company Input cash flow analysis target information including at least one information and financial cash flow information, and store cash flow analysis information according to the cash flow analysis in response to the input cash flow analysis target information, in the financial system; In the process of providing the user interface, it is preferable to check the cash flow information corresponding to the cash flow analysis information of the company and to provide the recommended payment means information corresponding to the confirmed cash flow information.

In addition, the process of providing the recommendation payment means information, it is preferable not to provide only one recommendation payment means information that is advantageous to the enterprise, it is preferable to provide all the recommended payment means information corresponding to the order in favor of the company.

The recommended payment means information preferably includes at least one or more cash, purchasing theory, longitudinal loan, purchaser loan, general funds loan.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the company account information, payment amount information, and payment means information through the user interface (1710b).

If the terminal receives (or selects) financial transaction request information including the company account information, payment amount information, and payment means information (1715b) through the user interface, the terminal transmits the information through the financial transaction channel. Input (or selected) corporate account information, payment amount information, payment means information is transmitted to the server (1720b), and the terminal (informed or selected) corporate account information, payment payment through the financial transaction channel in the terminal Transmitting the amount information and payment means information to the server, the electronic signature and / or encrypt the financial transaction request information input (or selected) through the user interface via a security module (not shown) provided in the terminal It is preferable to further comprise transmitting to the server.

Here, the corporate account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the corporate account according to the intention of the skilled person) Customer Information File (CIF) number corresponding to the customer, financial institution information (e.g., bank name or bank code), branch information (e.g., branch code), contact information (e.g., opening and in charge of the company account) A contact person name, a contact person code, etc.).

Preferably, the payment amount information includes a financial transaction amount settled from the corporate account in order to recommend a payment method and provide an inter-company payment service according to the cash flow analysis result.

The payment means information preferably means a means for payment using a predetermined payment means (for example, cash, purchase theory, jongdae, purchase fund loan, general funds loan, etc.) for the inter-company payment.

In accordance with the characteristics of the financial transaction system shown in FIG. 14, the financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result is made through the non-face-to-face channel. Amount information, payment means information is further comprises at least one or more security code information (eg, one or more security code, or two or more security code combination) provided in the security card provided to the customer during the opening of the corporate account, And / or an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, due to the characteristics of the financial transaction system shown in FIG. 14, the financial transaction for recommending a payment method and providing a payment service between companies according to the cash flow analysis result is made through the non-faced channel. Payment settlement amount information, payment means information is the authentication certificate information provided in the customer's IC card that is linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1440 (or the financial transaction terminal), Or encrypting the financial transaction request information based on at least one encryption key included in the authorized certificate, or attaching the electronic signature of the customer to the financial transaction request information.

Thereafter, the server receives and reads financial transaction request information including at least one of the company account information, payment amount information, and payment means information through the financial transaction channel to confirm the validity of the financial transaction request information. In operation 1725b, verifying the validity of the financial transaction request information includes the financial transaction request information when the financial transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal. And decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity check of the financial transaction request information may be performed by checking an account for a financial account corresponding to the existing industry account information included in the financial transaction request information in the ledger D / B 1500 on the financial system. And checking whether a ledger (or a customer ledger corresponding to the corporate account) is provided, and if the account ledger (or a customer ledger corresponding to the corporate account) is provided, the financial transaction request information It is desirable that the validity of the certificate is verified.

In addition, the validity check of the financial transaction request information is the amount deposited in the corporate account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the corporate account) the financial transaction request It is preferable to include whether the amount is greater than the payment amount included in the information, it is preferable that the validity of the financial transaction request information is verified when the balance of the corporate account is greater than the payment amount.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B 1500 on the financial system corresponding to the various passwords and the corporate account corresponding to the predetermined authentication information included in the financial transaction request information And comparing the various passwords (or linked) on the account ledger, and confirming whether the various passwords corresponding to the authentication information match, and, if the various passwords corresponding to the authentication information match, It may also be valid for transaction request information.

In addition, in the characteristic of the non-face-to-face financial transaction system illustrated in FIG. 14, when the authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed using the security code information and the Security code corresponding to the authentication information, compared to the security code information corresponding to the security card included on (or associated with) the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the corporate account It is preferable to include whether the information is matched, and if the security code information corresponding to the authentication information is matched, the validity of the financial transaction request information may be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 14, when the authentication information further includes a predetermined OTP code, the validity check of the financial transaction request information is performed to the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the paid OTP generator, and compares the OTP code and the OTP authentication code, whether the OTP code corresponding to the authentication information matches the OTP authentication code It is preferable to include a check, and if the OTP code corresponding to the authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is issued to a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1440, or issued to a customer). When encrypted through an encryption key included in a public certificate, the validity check of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not the decryption is normally performed, and if the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (1730b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1735b), and the financial transaction. The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a channel (1755b). In response, the terminal outputs the financial transaction result including the financial transaction processing history (1760b).

On the other hand, if the validity of the financial transaction request information is authenticated (1730b), the server is linked to a financial system equipped with an account ledger corresponding to the corporate account information included in the financial transaction request information, payment amount On the basis of the information and payment means information, a financial transaction for recommending a payment method and providing a payment service between companies based on the cash flow analysis result is processed (1740b).

According to the implementation method of the present invention, the server is linked to the financial system from the account ledger corresponding to the company account information included in the financial transaction request information corresponding to the payment amount information in connection with the payment means information It is desirable to process the payment.

If a financial transaction corresponding to the financial transaction request information is processed (1745b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1750b), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial transaction channel (1755b), and the terminal corresponding to the financial transaction result including the financial transaction processing history. Screen is displayed (1760b).

According to the present invention, the purchasing company provides information related to the company's money flow to a predetermined financial institution, analyzes the money flow at the financial institution, recommends a settlement method based on the analyzed money flow, and easily analyzes the money flow. And there is an advantage that can be selected for the recommended payment method.

In addition, when the payment for the sales contract is made by the recommendation payment means, considering the flow of funds of the company, there is an advantage that the money management of the purchasing company is smooth.

Claims (5)

Cash flow analysis target information including at least one of operating cash flow information, investment cash flow information, and financial cash flow information for a predetermined company from a predetermined terminal (the window terminal or the corporate terminal of a financial institution) in the predetermined information receiving means. Receiving; Analyzing the cash flow of the company using the cash flow analysis target information in a predetermined information analyzing means; Storing the analyzed cash flow analysis information in a predetermined storage medium in association with the company information in a predetermined information storage means; Receiving payment amount information of the company from the terminal in a predetermined payment information receiving means; Confirming payment means information corresponding to the received payment amount information based on the cash flow analysis information of the company stored in the storage medium in a predetermined payment confirmation means; And And providing the identified payment means information to the terminal in a predetermined information providing means. According to claim 1, Cash flow analysis information for the company, Cash flow analysis information through analysis of cash inflows (sales, profits, deposit interests, dividend income, etc.) and cash outflows (purchases, sales expenses, loan interest expenses, corporate tax, etc.) from the business activities of the companies, investments of the companies Cash flow analysis information through analysis of cash outflows (securities / land purchases, deposits, etc.) and cash inflows (securities / land sales, etc.) by activities, cash inflows (short-term borrowings, Method of providing payment means by the company cash flow analysis, characterized in that it comprises at least one or more cash flow analysis information through the analysis of debentures, capital increase, etc.) and cash inflows (short-term borrowings / redemptions, etc.). The method of claim 1, wherein the payment means, Method for providing payment means information by the company cash flow analysis, characterized in that it comprises at least one or more cash, loans for purchases, general loans. A recording medium which records a program for executing the method of claim 1. Information receiving means for receiving the cash flow analysis target information including at least one of the operating cash flow information, investment cash flow information, financial cash flow information for a predetermined company from a predetermined terminal (the window terminal or the corporate terminal of a financial institution) ; Information analysis means for analyzing the cash flow of the company using the cash flow analysis target information; Information storage means for processing the analyzed cash flow analysis information in association with the company information and storing the data in a predetermined storage medium; Payment information receiving means for receiving payment information of the enterprise from the terminal; Payment settlement means for confirming payment means information corresponding to the received payment amount information based on the cash flow analysis information of the company stored in the storage medium; And And information providing means for providing the confirmed payment means information to the terminal.
KR1020070052355A 2007-05-29 2007-05-29 System and method for providing payment settlement plan information by industry cash flow and program recording medium KR20090001925A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103544563A (en) * 2013-10-14 2014-01-29 国家电网公司 Revenue and expenditure management and control Method on basis of contract management

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103544563A (en) * 2013-10-14 2014-01-29 国家电网公司 Revenue and expenditure management and control Method on basis of contract management

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