KR20130040495A - System and method for managing money of agent - Google Patents

Abstract

PURPOSE: A fund management system managing an agent fund and a method thereof are provided to distribute funds between a head office and an agent based on bank statements and to directly deposit the funds to a bank providing an escrow service. CONSTITUTION: An account system host(410) opens and manages each account, receives a credit card payment amount in an exclusive account, and deposits each share of agents for the credit card payment amount and a head office to accounts of the head office and each agent. An operating unit(420) calculates each share based on a distributing rate according to a mutual stipulation between the head office and the agents and requests the deposit of each share to the account system host. [Reference numerals] (400) Fund management system; (410) Account system host; (420) Operating unit; (430) Registering unit; (440) Dedicated web site operating unit; (441) Login module; (442) Screen control module for a head office; (443) Screen control module for agencies; (450) Contract information DB; (460) Processed detail DB;

Description

Fund management system and method for managing agency funds {SYSTEM AND METHOD FOR MANAGING MONEY OF AGENT}

The present invention relates to a money management system and method for managing agent funds, and the agent sells the goods provided by the head office, and deposits the payouts to the head office. And to a method thereof.

Representatives sell and collect payments back to the head office for the goods supplied from the head office.

In the related art, the dealers individually sign up the credit card, and the payment through the credit card payment is generally received from the credit card company's server once it is deposited into its own account and then remitted to the head office.

In this way, since the head office can only collect the amount deposited by the agent, the actual sales details of each agent are not known. In addition, accidents such as the embezzlement / embezzlement of the dealer frequently occurs, increasing the risk of mutual credit between the dealer and the head office.

Therefore, the technical problem to be achieved by the present invention is to directly credit the credit card payment price of goods sold by the distributor to a specific financial institution that the head office and the agent negotiated, and the specific financial institution is subject to mutual agreement between the head office and the agent. The present invention provides a money management system and a method for providing money retrieval service between the head office and the distributor by using an escrow method of distributing credit card payments to the head office and the distributor, respectively.

According to one aspect of the invention there is provided a money management system. This system is a money management system installed in a specific financial institution with which the head office and an agent have negotiated mutually, and establishes and manages a dedicated account, the account of the head office, and an account of the agent, and the credit settled by the customer at the agent. An account host that receives a card payment amount into the dedicated account and deposits a distribution amount of each of the head office and the distributor with respect to the credit card payment amount into an account of the head office and an account of the agency, respectively; And when the deposit of the credit card payment amount is confirmed from the accounting host, calculating the respective allocation amount based on the distribution rate according to the mutual agreement, and sending the respective allocation amount to the accounting host. It includes an operation unit for requesting a deposit into the agent's account.

Here, the dedicated account is a virtual account that is uniquely created for each dealership so that the distributor can be identified, and the credit card payment amount is directly deposited from the credit card management server that processes the approval of the credit card payment.

In addition, the dedicated account is mapped to the account of the head office and the agency of the real account, each of the distribution amount withdrawn from the dedicated account of the account of the head office and the agency that is embedded in the dedicated account Each is transferred to the account.

In addition, the money management system is registered and stored in the agreement information mutually negotiated between the head office and the agent, wherein the agreement information includes the distribution ratio of each of the head office and the agent for the amount of credit card payment generated from the agent. The registration unit may further include.

In addition, a fund management system, a dedicated web that operates a dedicated web site, receives the contract information through the dedicated web site, provides the contract information to the registration unit, and provides an inquiry function of a distribution process deposited to the head office and the agency. The site operation unit may further include.

In addition, the money management system is operated in conjunction with the enterprise resource planning (ERP) system of the headquarters, the linkage unit for receiving the agreement information is registered and provided to the registration unit, providing an inquiry function of the results distributed to the head office. It may include.

The operation unit may transmit a distribution processing result message including a deposit history of the distribution amount to a terminal designated by the agency.

According to another feature of the invention there is provided a method of money management. The method includes a method of managing a money in a money management system installed in a specific financial institution with which the head office and an agency negotiate with each other, the method comprising: opening a dedicated account by the money management system; Receiving a credit card payment amount paid by the customer at the agency in the dedicated account; Calculating a distribution amount of each of the head office and the distributor with respect to the credit card settlement amount based on the distribution rate according to the mutual agreement; And depositing each distribution amount into an account of the head office and an account of the agency.

In addition, the depositing step,

The credit card payment amount is directly deposited from the credit card management server that processes the credit card payment authorization in the dedicated account, and the credit card management server receives the payment approval request from the payment terminal provided at the agency. After the processing, the credit card payment amount according to the payment authorization can be deposited into the dedicated account.

In addition, the opening step,

Opening the dedicated account which is an agent-specific virtual account capable of identifying an agent; Opening an account of the head office and an account of the agency which are real accounts; And mapping the dedicated account with an account of the head office and an account of the agency,

In the depositing step, the respective distribution amounts are deposited by confirming the accounts of the head office and the distributors mapped to the dedicated accounts on which the credit card payment amount is deposited.

The method may further include transmitting a distribution processing result message to a payment terminal of the agency or a terminal designated by the agency.

In addition, prior to the opening step, providing a user interface for receiving the mutual agreement through a web page of the enterprise resource planning (ERP) system of the head office; And receiving and registering the mutual agreement through the user interface.

After the depositing step, the method may further include providing a function of inquiring a distribution processing result related to the dedicated account and the head office account through the web page.

In addition, before the opening step, performing a login authentication of the user accessing the dedicated website; Providing a user interface for registering the mutual agreement through a web page of the dedicated web site, if the user who successfully authenticates the login is the main office; And receiving and registering the mutual agreement through the user interface.

After the depositing step, providing the user who has succeeded in the login authentication to search the distribution processing result related to the dedicated account, the head office account, and the agency account through the web page of the dedicated website. It may include.

According to an embodiment of the present invention, the amount paid by the credit card at the dealership is directly deposited to the bank providing the escrow service, and the bank performs the distribution by the agreement between the head office and the agent based on the transaction details. There are advantages in reducing mutual credit risk and increasing the efficiency of money management.

1 is a diagram illustrating a network for managing agency funds according to an embodiment of the present invention.
2 is a block diagram showing a detailed configuration of a money management system according to an embodiment of the present invention.
3 is a block diagram showing a detailed configuration of a money management system according to another embodiment of the present invention.
4 is a flowchart illustrating a money management method according to an embodiment of the present invention.
5 is a flowchart illustrating a method for operating a dedicated website according to an embodiment of the present invention.
6 is a schematic diagram of a money management system according to another embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

Also, the term "part" in the description means a unit for processing at least one function or operation, which may be implemented by hardware, software, or a combination of hardware and software.

Hereinafter, with reference to the drawings will be described in detail with respect to the money management system and method for managing agency funds according to an embodiment of the present invention.

1 is a diagram illustrating a network for managing agency funds according to an embodiment of the present invention.

Referring to FIG. 1, an agency is provided with an agent payment terminal 100 for credit card payment. Here, the distributor means a branch that sells the goods provided by the head office. Also, the agent is a credit card merchant.

At this time, the agency payment terminal 100 is connected to the value added network (VAN) server 200.

The VAN server 200 performs a relay role between the agency payment terminal 100 and the credit card company server 300.

In general, in order to receive payment by credit card from a reseller, each credit card company must have a credit card merchant contract, and each credit card company must purchase a payment terminal requesting card sales approval. The card company should be billed, and the VAN operator is the operator who does this work.

That is, when the VAN server 200 receives the payment approval request including the sales history and the card information from the agency payment terminal 100, the VAN server 200 transmits the payment approval request to the corresponding credit card company server 300, and receives the payment approval response. When it is delivered to the dealer payment terminal 100.

The credit card company server 300 receives a payment approval request from the agency payment terminal 100 through the VAN server 200, and performs a payment process using the sales history and card information included in the payment approval request, The payment approval response is transmitted to the agency payment terminal 100 through the VAN server 200.

The money management system 400 is installed in a specific financial institution that the head office and the agency negotiate through mutual agreements. In this case, a specific financial institution means a bank.

The head office server 500 is a server provided in the head office and registers mutual agreements with the distributor in the money management system 400. In this case, the head office server 500 may be connected to the money management system 400 and a network 600 such as a dedicated network (not shown) or an internet network. In addition, the head office server 500 is described as a server, but may be a terminal.

Here, the network 600 collectively refers to a network that provides an Internet service.

In addition, the credit card company server 300 may be connected to the money management system 400 through a network 600 such as an internet network to deposit a credit card payment amount through Internet banking.

In this case, the detailed configuration of the money management system 400 will be described for each embodiment.

2 is a block diagram showing a detailed configuration of a money management system according to an embodiment of the present invention.

Referring to FIG. 2, the funds management system 400 includes an account host 410, an operation unit 420, a registration unit 430, a dedicated website operation unit 440, a contract information DB 450, and a processing history DB ( 460).

Here, the account host 410 manages account information of individuals, corporations, and other customers, and is in charge of overall financial affairs such as deposit, withdrawal, account transfer, branch, opening a new bankbook, and closing a bankbook. The account host 410 opens a dedicated account, an account of the head office and an agent of the agency, and processes the account transfer in response to a request of the operation unit 420.

In this case, the account system host 410 may process an account transfer to a dedicated account, an account of the head office, and an account of an agent in association with an internet banking server (not shown).

Specifically, the account host 410 receives the credit card payment amount paid by the customer to the dedicated account, and deposits the distribution amount of each of the head office and the agency with respect to the credit card payment amount to the account of the head office and the account of the agency, respectively. do.

Here, the dedicated account is a virtual account that is uniquely generated for each agent so that the agent can be identified, and the account of the head office and the account of the agent are real accounts.

At this time, the credit card payment amount of the goods purchased by the customer directly from the credit card management server (not shown) that processes the approval of the credit card payment is deposited. Here, the credit card management server (not shown) refers to the VAN server 200 or the credit card company server 300.

When the deposit of the credit card payment amount is confirmed from the account host 410, the operation unit 420 calculates each distribution amount of the credit card payment amount based on the distribution ratio according to the pre-registered mutual agreement. In other words, the amount of credit card payment is allocated to the headquarters and the distributor. In addition, the operation unit 420 requests the account host 410 to deposit the amount of each distribution into the account of the head office and the account of the agency.

In this case, the operation unit 420 requests the account account host 410 to open a dedicated account, and when a dedicated account is generated, the real accounts of the head office and the agents that are provided or registered by the head office and the distributor are mapped to the dedicated account and stored. do. When the distribution amount of the credit card payment amount is calculated, the account of the head office and the agency that map the credit card payment amount is mapped to the deposited dedicated account, and requests the deposit of each distribution amount to the confirmed accounts. .

In addition, when the deposit is completed from the account host 410 to the account of the head office and the agency account from the account host 410, the operation unit 420 sends a distribution processing result message including the deposit details of the distribution amount of the head office server 500 and / or the distributor Send to the designated terminal (not shown).

Here, the terminal (not shown) designated by the dealer may be the dealer payment terminal 100 or may be a mobile phone.

In addition, the distribution processing result message may be a short message service (SMS) type message or an e-mail type.

The registration unit 430 registers and stores mutual agreements, that is, mutually negotiated agreement information between the head office and the dealer, from the head office server 500. At this time, the agreement information includes the distribution ratio of each of the head office and the agency with respect to the credit card payment amount generated from the agency. For example, 0.2% of credit card payments may be made by the head office, and 0.8% may be made by the distributor.

The dedicated website operation unit 440 operates a dedicated website for managing agency funds. The contract information is registered and provided to the registration unit 430 through the dedicated website, and the distribution processing result deposited to the head office and the agents is provided. Provide inquiry function to check.

Here, the dedicated web site may be a dedicated web site based on an internet banking service.

In this case, the dedicated website operation unit 440 includes a login module 441, a main screen control module 442, and a dealer screen control module 443.

The login module 441 performs login authentication of a user who accesses the dedicated web site to determine whether the dedicated web site is a subscriber, a main office subscriber, or a distributor.

At this time, the login module 441 performs login authentication using authentication means such as a public certificate, an I-PIN number, an ID, and a password.

The main use screen control module 442 is a user interface for registering a mutual agreement between the head office and a distributor, and inquiring of a distribution processing result when the main office subscriber logs in, that is, a query function of a distribution processing result related to a dedicated account, a head office account, and a reseller account. Provides (User Interface, UI).

The dealership screen control module 443 provides a user interface (UI) for a distribution processing result inquiry function when the distributor subscriber logs in.

The agreement information DB 450 stores agreement information between the registered head office and the agent, the dedicated account assigned to each agent, and the account of the head office mapped to the dedicated account and the account of the agent.

The processing history DB 460 stores the credit card payment deposit history to the dedicated account confirmed by the accounting host 410, the result of the transfer of the amount of distribution to the account of the head office and the distributor mapped to the dedicated account, and such information. May be used in the dedicated website operation unit 440.

3 is a block diagram showing a detailed configuration of a money management system according to another embodiment of the present invention.

Referring to FIG. 3, the money management system 400 includes an account host 410, an operation unit 420, a registration unit 430, an agreement information DB 450, a processing history DB 460, and an interlocking unit 470. Include.

Here, since the account host 410, the operation unit 420, the registration unit 430, the agreement information DB 450, the processing history DB 460 is the same as the configuration of Figure 2, description thereof will be omitted.

Here, the interlocking unit 470 is configured to interwork with the ERP (Enterprise Resource Planning) system 510 of the main office built on the main office server 500. The interlocking unit 470 is a user interface (UI) for querying the contract information registration and distribution processing results (that is, querying the distribution processing results related to the dedicated account and the head office account) through the web page of the ERP system 510. To provide. That is, the interlocking unit 470 extracts information stored in the processing history DB 460 and provides the extracted information through the web page of the ERP system 510.

The money management method will be described based on the above-described configuration.

First, FIG. 4 is a flowchart illustrating a money management method according to an embodiment of the present invention.

Referring to FIG. 4, when the head office server 500 accesses the money management system 400 (S101), the money management system 400 provides a web page for registration of agreement information (S103) and registers agreement information. (S105).

In this case, when the money management system 400 is interlocked with the ERP system 510 of the head office, the head office server 500 is shown as access (S101) to the money management system 400, the head office operator ERP system (510) ) May be connected to the money management system 400 using a headquarters terminal (not shown) that can be connected to.

In addition, when the funds management system 400 operates a dedicated web site, the head office operator may access the dedicated web site and register the contract information using a terminal (not shown) capable of web access.

On the other hand, the money management system 400 registers the agreement information mutually negotiated between the head office and the agent (S107), and opens a dedicated account unique to the agent (S109). The head office and the agent store and match the account of the head office and the agent and the dedicated account registered respectively (S111).

Here, the account of the head office and the agent of the agent may be an account previously registered at an offline window or through an online internet banking service, or may be newly established, and may be registered during the agreement information registration process or at an offline window. Can be. In addition, it can be registered in various ways.

Then, when the customer makes a credit card payment at the dealership, the agency payment terminal 100 transmits a payment approval request to the VAN server 200 (S113).

Then, the VAN server 200 transmits the payment authorization request received in step S113 to the credit card company server 300 corresponding to the card information included in the payment authorization request (S115).

Then, the credit card company server 300 proceeds with the credit card payment process using the sales history and card information included in the payment approval request, and transmits the approval result to the VAN server 200 (S117).

Then, the VAN server 200 transmits the approval result received in step S117 to the agency payment terminal 100 (S119). In this case, the approval result may be a payment approval 'success' or 'failure'.

If the payment approval 'success', the VAN server 200 operator or credit card company server 300 operators directly deposit the credit card payment amount to the operator's account of the agency payment terminal 100 (S121). At this time, the exclusive account of the operator of the agency payment terminal 100 is a virtual account, an account that the operator of the agency payment terminal 100 cannot withdraw arbitrarily, and is an account opened for the purpose of depositing a credit card payment amount. Therefore, it is distinguished from that previously deposited in the personal account of the operator of the agency payment terminal 100.

On the other hand, the money management system 400 when the credit card payment amount is deposited in the dedicated account (S121), based on the agreement information registered in step S107 calculates the distribution amount of each of the head office and the agency for the credit card payment amount (S123) ). For example, if the credit card payment amount is 300,000 won, and the distribution ratio included in the contract information is 0.2% and 0.8%, the amount allocated to the head office is 60,000 won, and the amount allocated to the distributor is 240,000 won.

Then, the money management system 400 checks the account of the head office and the agent of the head office mapped to the dedicated account where the credit card payment amount is deposited in step S121 (S125). Then, deposit the amount of each distribution calculated in step S123 to the confirmed account (S127).

FIG. 5 is a flowchart illustrating a method for operating a dedicated web site according to an embodiment of the present invention, and particularly illustrates the operation of the money management system 400 in relation to the embodiment of FIG. 2.

Referring to FIG. 5, the dedicated web site operator 440 of FIG. 2 determines whether the user is the head office or an agency after performing login authentication (S201) (S203).

At this time, if the user is the head office, it provides a web page including the function to register the agreement information, query the distribution processing results (S205).

If the user is an agency, a web page including an inquiry function of the distribution processing result is provided (S207).

Then, information for the function selected in the web page provided in step S205 or step S207 is obtained from the processing history DB 460 and included in the web page.

6 is a schematic diagram of a money management system according to another embodiment of the present invention, the account host 410, the operation unit 420, the registration unit 430, and the dedicated web described with reference to FIGS. 2 and 3. Represents a system that can be used to perform at least some of the functions of the site operator 440 and the linker 470.

Referring to FIG. 6, the money management system 700 includes a processor 701, a memory 703, at least one storage 705, an input / output (I / O) interface 707, and a network interface ( 709).

The processor 701 may be implemented as a central processing unit (CPU) or other chipset, microprocessor, etc., and the memory 703 may be a dynamic random access memory (DRAM), a Rambus DRAM DRAM, RDRAM), synchronous DRAM (synchronous DRAM, SDRAM), static RAM (SRAM), and the like.

The storage device 705 may be a hard disk, a compact disk read only memory (CD-ROM), a compact disk rewritable (CD-RW), a digital video disk ROM, , An optical disk such as a blue-ray disk, a flash memory, various types of RAM, or a permanent or volatile storage device.

In addition, I / O interface 707 allows processor 701 and / or memory 703 to access storage 705, and network interface 709 provides processor 701 and / or memory 703. ) To access the network 600 and a dedicated network (not shown).

In this case, the processor 701 is a program for implementing at least some functions of the functions of the account host 410, the operation unit 420, the registration unit 430, the dedicated website operation unit 440 and the linking unit 470. The command may be loaded into the memory 703 and controlled to perform the operation described with reference to FIGS. 2 and / or 3.

In addition, the memory 703 or the storage device 705 is linked with the processor 701, the account host 410, the operation unit 420, the registration unit 430, the dedicated website operation unit 440 and the interlocking unit 470 ) Can be performed.

The processor 701, the memory 703, the storage 705, the I / O interface 707, and the network interface 709 shown in FIG. 6 may be implemented in one computer or distributed in a plurality of computers. It may be implemented.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (13)

As a money management system installed in a specific financial institution with which the head office and an agency negotiate with each other,
Open and manage a dedicated account, the account of the head office and the account of the agency, the customer receives the credit card payment amount paid by the agency to the dedicated account, the head office and the agency for the credit card payment amount respectively An accounting host for depositing a distribution amount of money into an account of the head office and an account of the agency; And
When the payment of the credit card payment amount is confirmed from the account host, the respective amount of distribution is calculated based on the rate of distribution according to the mutual agreement, and the amount of each distribution is sent to the account host. Operation department requesting a deposit to your account
Money management system comprising a. The method of claim 1,
The dedicated account,
And a virtual account that is uniquely created for each agent so that the agent can be identified, and the credit card payment amount is directly deposited from a credit card management server that processes the approval of the credit card. The method of claim 2,
The dedicated account,
The account of the head office and the agent of the agency which are real accounts are mapped, and the amount of each amount of money withdrawn from the dedicated account is transferred to the account of the head office and the account of the agency, which are locked to the dedicated account, respectively. system. The method of claim 1,
Registered to register and store agreement information mutually negotiated between the head office and the agent, wherein the agreement information includes a distribution ratio of each of the head office and the agent with respect to the credit card payment amount generated from the agent.
Money management system further comprising. 5. The method of claim 4,
Dedicated website operation unit that operates a dedicated website, receives the agreement information through the dedicated website and provides it to the registration unit, and provides an inquiry function of the distribution processing deposited to the head office and the agency.
Money management system further comprising. 5. The method of claim 4,
An interworking unit that operates in conjunction with the ERP (Enterprise Resource Planning) system of the head office, receives the agreement information and provides the registered information to the registration unit, and provides an inquiry function of the result distributed to the head office.
Money management system further comprising. 7. The method according to any one of claims 1 to 6,
The operation unit,
Fund management system for transmitting a distribution processing result message including the deposit details of the distribution amount to the terminal designated by the agency. As a method of managing funds in a money management system installed in a specific financial institution with which the head office and an agency have negotiated mutually,
The fund management system opening a dedicated account;
Receiving a credit card payment amount paid by the customer at the agency in the dedicated account;
Calculating a distribution amount of each of the head office and the distributor with respect to the credit card settlement amount based on the distribution rate according to the mutual agreement; And
Depositing each distribution amount into an account of the head office and an account of the agency;
Money management method comprising a. 9. The method of claim 8,
Receiving the deposit,
The credit card payment amount is directly deposited from the credit card management server that processes the authorization of the credit card payment to the dedicated account,
The credit card management server, when receiving a payment authorization request from the payment terminal provided in the agency, and performs a payment approval process, and then deposits the credit card payment amount according to the payment authorization to the dedicated account. 9. The method of claim 8,
The opening step is,
Opening the dedicated account which is an agent-specific virtual account capable of identifying an agent;
Opening an account of the head office and an account of the agency which are real accounts; And
Mapping the dedicated account with an account of the head office and an account of the agency;
The depositing step,
And depositing the respective allocation amounts by confirming the accounts of the head office and the agents that are mapped to the dedicated accounts on which the credit card settlement amount is deposited. 9. The method of claim 8,
Transmitting a distribution processing result message to a payment terminal of the agency or a terminal designated by the agency;
Money management method further comprising. The method according to any one of claims 8 to 11,
Before the opening step,
Providing a user interface for receiving the mutual agreement through a web page of the enterprise resource planning (ERP) system of the head office; And
And receiving and registering the mutual agreement through the user interface,
After the depositing step,
Providing a function to query the distribution processing results associated with the dedicated account and the head office account through the web page
Money management method further comprising. The method according to any one of claims 8 to 11,
Before the opening step,
Performing login authentication of a user accessing a dedicated website;
Providing a user interface for registering the mutual agreement through a web page of the dedicated web site, if the user who successfully authenticates the login is the main office; And
And receiving and registering the mutual agreement through the user interface,
After the depositing step,
Providing a function of inquiring a distribution processing result related to the dedicated account, the head office account, and the agency account to the user who has successfully logged in through the web page of the dedicated website;
Money management method further comprising.

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