KR20230026363A - System and method for managing payment between business using virtual account - Google Patents

Abstract

Disclosed are a payment management system and method between companies using virtual accounts. The present invention receives cost-related payment information from a supply company supplying a product and manages payment due dates and payment reminders to an ordering company, so that it is possible to prevent duplicate tax billing and omission of payment between the supply company and the ordering company, and drastically reduce the unnecessary time and workload of cost-related personnel.

Description

System and method for managing payment between businesses using virtual accounts {SYSTEM AND METHOD FOR MANAGING PAYMENT BETWEEN BUSINESS USING VIRTUAL ACCOUNT}

The present invention relates to a system and method for managing payment between businesses using a virtual account, and more particularly, provides a virtual account for receiving cost-related payment information from a supplier and managing payment due date and payment guidance to the ordering company. It relates to a used business-to-business payment management system and method.

Recently, as the pace of economic development accelerates, the frequency of business-to-business (B2B) transactions also shows a clear increasing trend, and in accordance with the increasing trend of transactions between companies, the payment relationship between companies is also becoming increasingly complex.

When such a business-to-business transaction relationship is formed, a supplier who has sold or supplied a series of goods or services typically proceeds with a series of billing processes to the ordering company.

Currently, various company-related programs including product order management, receipt management, receivable management, delivery schedule management, transaction statement management, and tax invoice issuance management are being developed and used.

However, there is a problem in that a person in charge of managing these various enterprise-related programs requires a lot of time and effort to use the programs.

In addition, in a general business-to-business transaction, when an ordering company places an order for the supply of goods to a supplier, the supplier proceeds with the delivery of the ordered goods on time, and then the supplier issues an electronic tax invoice to the ordering company.

However, in general transactions between companies, there is a problem in that it is difficult for suppliers to operate and manage funds due to delay in payment due to customarily waiting until the ordering company pays the price without managing the exact date.

In addition, the ordering company has a problem in that the payment is duplicated due to the mistake of the person in charge of payment separately from the electronic tax invoice.

Korean Patent Laid-open Publication No. 10-2001-0099419 (Title of Invention: Payment System between Businesses)

In order to solve this problem, the present invention aims to provide a system and method for managing payment between companies using a virtual account that receives cost-related payment information from a supplier supplying goods and manages the payment date and payment guidance to the ordering company. to be

In order to achieve the above object, an embodiment of the present invention is an inter-company payment management system using a virtual account, comprising: a supplier management unit that manages supplier information requested for cost management through a supplier terminal; When payment issuance information including supplier information, payment amount, creation date, item, and owner information is received from the supplier terminal, a virtual account is created for each supplier in response to the received payment issuance information, and the supplier and the ordering company are an account management unit that manages deposit/withdrawal detail information of the virtual account by matching; an ordering company management unit that manages ordering company information, ordering company deposit information, and ordering company terminal information linked with ordering company information based on the payment issuance information and virtual account information generated by the account management unit; And based on the payment issuance information transmitted from the supplier terminal, payment guide information with a payment deadline set is generated, and the generated payment guide information is extracted based on the payment issuance information along with virtual account information assigned to the supplier. The company information is managed through the owner management unit, but the virtual account information and payment guide information are transmitted to the owner terminal, and the payment result of the payment based on the deposit / withdrawal history information of the account management unit, the set payment The deadline information and duplicate billing information are analyzed and managed through the supplier management unit, but if the payment is confirmed as unpaid after the payment deadline has elapsed, additional payment guidance information with an additional payment deadline set is generated to the supplier terminal and the ordering company terminal Including, the control unit predicts the expected payment date based on the deposit date for each ordering company input through the account management unit, the average payment date until the ordering company's payment, and the deposit pattern, and predicts the predicted expected payment date and payment amount Provides the supplier's financial design information generated based on It is characterized by managing to prevent duplicate billing, duplicate payment, and omission of payment between the terminal and the ordering company.

In addition, the payment issuance information according to the embodiment is characterized in that it includes supplier information, payment amount, preparation date, item, and ordering company information.

In addition, an embodiment of the present invention is an inter-business payment management method using a virtual account, a) when the platform management server receives payment issuance information from a supplier terminal, an order is placed with the supplier in response to the received payment issuance information matching companies to create virtual accounts for each supplier, and generating payment guide information in which a payment deadline for payment is set based on the payment issuance information; b) transmitting, by the platform management server, virtual account information and payment guide information assigned to a supplier to an ordering company terminal; c) the platform management server analyzes the deposit/withdrawal details of the virtual account, confirms the payment of the payment, notifies the payment result to the supplier terminal and stores the result; and d) if the payment is confirmed as non-payment after the payment deadline, generating additional payment guide information setting an additional payment deadline and transmitting it to the supplier terminal and the ordering company terminal, wherein the step d) comprises: The platform management server predicts the expected payment date based on the orderer's deposit date entered through the virtual account, the average payment date until the orderer's deposit, and the deposit pattern, and the supplier's financial design created based on the predicted expected payment date and payment amount. Information is provided to the supplier terminal, and based on the deposit/withdrawal history information of the virtual account, the payment result, the set payment deadline information, and duplicate billing and duplicate deposit are checked to prevent duplicate claims and duplicate billing between the supplier terminal and the ordering company terminal. It is characterized in that it further includes; managing to prevent omission of payment and payment.

In addition, the payment issuance information according to the embodiment is characterized in that it includes supplier information, payment amount, preparation date, item, and ordering company information.

The present invention has the advantage of preventing duplicate tax bill billing and omission of payment between the supplier and the ordering company by receiving cost-related payment information from the supplier supplying the product and managing the payment date and payment guidance to the ordering company. .

In addition, the present invention has the advantage of being able to drastically reduce unnecessary time and workload of cost-related personnel.

1 is a block diagram showing a business-to-business payment management system according to an embodiment of the present invention.
Figure 2 is a block diagram showing an extension of the business-to-business payment management system according to the embodiment of Figure 1;
Figure 3 is a block diagram showing the platform management server configuration of the business-to-business payment management system according to the embodiment of FIG.
4 is a flowchart illustrating a method for managing payment between businesses according to an embodiment of the present invention.

Hereinafter, the present invention will be described in detail with reference to preferred embodiments of the present invention and accompanying drawings, but the same reference numerals in the drawings will be described on the premise that they refer to the same components.

Prior to describing specific details for the implementation of the present invention, it should be noted that configurations not directly related to the technical subject matter of the present invention are omitted within the scope of not disturbing the technical subject matter of the present invention.

In addition, the terms or words used in this specification and claims are meanings and concepts consistent with the technical idea of the invention based on the principle that the inventor can define the concept of appropriate terms to best describe his/her invention. should be interpreted as

In this specification, the expression that a certain part "includes" a certain component means that it may further include other components, rather than excluding other components.

In addition, terms such as ".. unit", ".. unit", and ".. module" refer to units that process at least one function or operation, which may be classified as hardware, software, or a combination of the two.

In addition, the term "at least one" is defined as a term including singular and plural, and even if at least one term does not exist, each component may exist in singular or plural, and may mean singular or plural. would be self-evident.

In addition, the singular or plural number of each component may be changed according to embodiments.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of an inter-business payment management system and method according to an embodiment of the present invention will be described in detail.

Figure 1 is a block diagram showing a business-to-business payment management system according to an embodiment of the present invention, Figure 2 is a block diagram showing an expanded configuration of the business-to-business payment management system according to the embodiment of Figure 1, Figure 3 is It is a block diagram showing the configuration of the platform management server of the business-to-business payment management system according to the embodiment of FIG.

Referring to FIG. 1 , the inter-business payment management system according to an embodiment of the present invention may include a platform management server 100 and a supplier terminal 200 .

The platform management server 100 manages the deposit of the ordering company based on payment issuance information issued through the supplier terminal 200 for the goods delivered by the supplier to the ordering company, for example, a quote, invoice, tax invoice, etc. Manages payment information of suppliers that reflect payment requests related to budgeting, payment date management, and financial planning based on expected payment dates, and the supplier terminal 200 transfers payment issuance information input from suppliers to the platform management server ( 100) is provided.

Referring to FIG. 2 , the inter-company payment management system according to an embodiment of the present invention may further include an ordering company terminal 300 that outputs payment-related information of the ordering company in response to payment information of the supplier.

In addition, the platform management server 100 sets the deadline for payment of the payment based on the payment issuance information received from the supplier terminal 200 so that payment management is performed between the supplier terminal 200 and the ordering company terminal 300. Payment guidance information is generated, and the generated payment guidance information is transmitted to the ordering company terminal 300 together with virtual account information assigned to the supplier.

In addition, the platform management server 100 manages to generate additional payment guide information and transmit it to the supplier terminal 200 and the ordering company terminal 300 when the payment amount is not confirmed in the account assigned to the supplier after the payment deadline has elapsed. do.

In addition, when the payment issuance information is received from the supplier terminal 200, the platform management server 100 generates payment guide information in which the deadline for payment of the payment is set.

In addition, the platform management server 100 may transmit the generated payment guide information together with virtual account information assigned to the supplier to the ordering company terminal 300 extracted based on payment issuance information.

In addition, the platform management server 100 may check whether the payment based on the payment issuance information is input to the account assigned to the supplier.

In addition, the platform management server 100 may be configured to generate additional payment guide information and transmit it to the supplier terminal 200 and the ordering company terminal 300 when the payment amount is not confirmed after the payment deadline.

Referring to FIG. 3 , the platform management server 100 may include a supplier management unit 110, an account management unit 120, an ordering company management unit 130, a control unit 140, and a database 150.

The supplier management unit 110 is a component that manages suppliers who have requested cost management, and includes information such as the supplier's trade name, representative name, registration number information, business address, business type, item, handling item, contact information, and accessible supplier terminal 200. manage

Here, cost management is based on the estimate, invoice, tax invoice, etc. issued by the supplier for the goods delivered to the owner, the orderer's deposit management, payment request related to the supplier's budgeting, payment due date management, and estimated payment date. It refers to the management of related information that reflects the based financial design.

The account management unit 120 is a component that manages unique account information assigned to each supplier in conjunction with the supplier terminal 200 and deposit/withdrawal details information of the unique account, and is a component of the platform management company that manages the platform management server 100 A real account - Here, the real account is an account of a platform management company of a financial company whose real name has been verified - or may be a virtual account linked to a real account of a platform management company.

That is, the virtual account is an account that can be used temporarily in electronic payment, and is based on the issuance information transmitted through the supplier terminal 200 when payment is made from the ordering company or the deposited payment is withdrawn to the supplier. , so that it can be easily checked.

In addition, when payment issuance information is input from the supplier terminal 200, the account management unit 120 creates a virtual account for each supplier in response to every time payment issuance information is input, and manages the supplier and ordering company by matching them. .

When an account is assigned through the account management unit 120, the ordering company management unit 130 provides information on the ordering company that performs deposit through the account, information on the ordering company terminal 300 accessible based on the ordering company information, and deposit of the ordering company. manage information

That is, the ordering company management unit 130 analyzes information such as the ordering company's trade name, representative name, registration number information, business address, business type, item, contact information and the accessible ordering company terminal 300 based on the payment issuance information. manage

When payment issuance information transmitted from the supplier terminal 200 is input, the control unit 140 generates payment guide information for which a payment deadline is set based on the issuance date from the input payment issuance information.

In addition, the control unit 140 transmits the generated payment guidance information to the account management unit 120 to the supplier linked to the corresponding supplier terminal 200 and the generated payment guidance information to the ordering company terminal 300. .

In addition, the control unit 140 allows the ordering company information extracted based on the payment issuance information to be managed through the ordering company management unit 130 .

Here, the payment issuance information input from the supplier terminal 200 is the supplier information including the supplier's name, representative name, registration number information, business address, business type, item, contact information, and information on the supplier terminal 200 that can be accessed, payment It may include ordering company information including amount, date of preparation, item, ordering company's name, representative name, registration number information, business address, contact information, and accessable ordering company terminal 300 information, etc., preferably composed of a tax invoice. It can be.

In addition, the control unit 140 transmits the payment guide information to the ordering company terminal 300, and then checks the deposit/withdrawal detail information of the account management unit 120 to confirm the payment result of the payment.

In addition, the controller 140 checks whether or not the ordering company deposits money before the set payment deadline by using the payment deadline date information set in the payment guide information.

That is, the control unit 140 can confirm whether or not the payment amount is deposited from the ordering company before the payment deadline by checking the deposit/withdrawal detail information of the account management unit 120 .

In addition, the controller 140 may check duplicate claims or duplicate deposits (duplicate payments) of the ordering company for one and the same bill through the account management unit 120 .

In addition, the control unit 140 analyzes information such as payment result of payment, set payment deadline information, duplicate billing and overlapping deposit based on the deposit/withdrawal history information of the account management unit 120, and manages it through the supplier management unit 110 You may.

In addition, if the payment of the payment is not confirmed after the payment deadline, the control unit 140 sets an additional payment deadline extended by a certain period from the payment deadline, and generates additional payment guide information including the set additional payment deadline to supply the supplier terminal ( 200) and the ordering company terminal 300.

In addition, the control unit 140 generates payment guide information and transmits it to the ordering company terminal 300, calculates an average payment date based on the payment date for each ordering company input through the account management unit 120, and sends the payment information to the supplier terminal 200. can be provided with

That is, by analyzing the average information of the payment period for each ordering company and providing it to the supplier terminal 200, the payment pattern of the average payment date for each ordering company until the time of deposit and the expected payment date (expected income date) calculated based on this Based on this, the supplier's financial design information can be created and provided.

The database 150 stores cost management contract information with suppliers, deposit/withdrawal details with suppliers and ordering companies based on the created virtual account, payment guidance information, additional payment guidance information, payment processing result information, financial design information, etc. Save.

The supplier terminal 200 transmits payment issuance information input from the supplier to the platform management server 100 and the ordering company terminal 300 .

In addition, the supplier terminal 200 is a desktop PC, a notebook PC, or a wireless communication device, and includes navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System) ), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, smartphone It may include all kinds of handheld-based wireless communication devices such as a smartphone, a smart pad, and a tablet PC.

In addition, a network refers to a connection structure capable of exchanging information between nodes such as a plurality of terminals and servers. Examples of such networks include RF, 3rd Generation Partnership Project (3GPP) network, and Long Term Evolution (LTE) ) network, 5GPP (5th Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), A personal area network (PAN), a Bluetooth network, an NFC network, a satellite broadcasting network, an analog broadcasting network, a digital multimedia broadcasting (DMB) network, and the like are included, but are not limited thereto.

In addition, the supplier terminal 200 may receive and display information such as additional payment guide information transmitted from the platform management server 100, overlapping payment, and average payment date based on the payment date for each ordering company.

The ordering company terminal 300 transmits the purchase request information of the product to the supplier terminal 200, receives the payment issuance information transmitted from the supplier terminal 200, and sends the payment for the purchase of the product to the platform management server ( 100) to be deposited into the account.

In addition, the ordering company terminal 300 is a desktop PC, a notebook PC or a wireless communication device, and includes navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone) System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, smart It may include all kinds of handheld-based wireless communication devices such as a smartphone, a smartpad, and a tablet PC.

In addition, the ordering company terminal 300 is connected to the platform management server 100 and the supplier terminal 200 through a network.

Next, a method for managing payment between businesses according to an embodiment of the present invention will be described.

4 is a flowchart illustrating a method for managing payment between businesses according to an embodiment of the present invention.

Referring to FIG. 4 , when payment issuance information is received from the supplier terminal 200 (S100), the platform management server 100 analyzes the received payment issuance information to provide payment guidance information for which the payment deadline for payment is set. Create (S110).

Here, the platform management server 100 analyzes the payment issuance information input from the supplier terminal 200, and the supplier's trade name, representative name, registration number information, business address, business type, item, contact information, and accessible supplier terminal (200 ) Supplier information including information, payment amount, creation date, item, ordering company's trade name, representative name, registration number information, business address, contact information, and ordering company information including accessible ordering company terminal (300) information can be extracted. there is.

In addition, in step S100, the platform management server 100 receives cost management contract information from the supplier terminal 200 in order to receive payment issuance information from the supplier terminal 200, and based on the received cost management contract information A step of assigning a unique payment virtual account for each supplier to the input payment issuance information may be performed.

Subsequently, the platform management server 100 generates virtual account information assigned to the supplier using the received payment issuance information, and transmits the generated account information and payment guide information to the ordering company terminal 300 (S120) do.

After performing step S120, the platform management server 100 analyzes the deposit/withdrawal details of the account and confirms whether the payment has been paid from the ordering company (S130).

As a result of the confirmation in step S130, when the deposit (or payment) of the payment is confirmed, the platform management server 100 causes the deposited payment to be deposited into the provider account set by the supplier in advance, and the payment result is sent to the supplier terminal 200. and the result is stored (S140).

On the other hand, in step S130, if the non-payment of the payment is confirmed, the platform management server 100 checks the payment deadline (S141), and determines whether the deadline has elapsed (S151).

As a result of the judgment in step S151, if the deadline has not elapsed, step S130 is performed again.

On the other hand, as a result of the determination in step S151, if the deadline has elapsed, the platform management server 100 sets an additional payment deadline by adding a certain period (eg, two weeks) to the current deadline, and includes the set additional payment deadline. Additional payment guidance information is generated and transmitted to the supplier terminal 200 and the ordering company terminal 300 (S161).

Therefore, by receiving cost-related payment information from the supplier supplying the product and managing the payment due date and payment guidance to the customer, it is possible to prevent duplicate tax billing and omission of payment between the supplier and the customer.

In addition, it is possible to drastically reduce unnecessary time and workload of cost-related personnel.

As described above, although it has been described with reference to the preferred embodiments of the present invention, those skilled in the art will variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the claims below. You will understand that it can be done.

In addition, the drawing numbers described in the claims of the present invention are only described for clarity and convenience of explanation, but are not limited thereto, and in the process of describing the embodiments, the thickness of lines or the size of components shown in the drawings, etc. may be exaggerated for clarity and convenience of description.

In addition, the above-mentioned terms are terms defined in consideration of functions in the present invention, which may change according to the intention or custom of the user or operator, so the interpretation of these terms should be made based on the contents throughout this specification. .

In addition, even if it is not explicitly shown or described, a person skilled in the art to which the present invention belongs can make various modifications from the description of the present invention to the technical idea according to the present invention. Obviously, it is still within the scope of the present invention.

In addition, the above embodiments described with reference to the accompanying drawings are described for the purpose of explaining the present invention, and the scope of the present invention is not limited to these embodiments.

100: platform management server
110: Supplier management department
120: account management department
130: ordering company management department
140: control unit
150: database
200: supplier terminal
300: ordering company terminal

Claims (4)

a supplier management unit 110 that manages supplier information requested for cost management through the supplier terminal 200;
When payment issuance information including supplier information, payment amount, creation date, item, and owner information is received from the supplier terminal 200, a virtual account is created for each supplier in response to the received payment issuance information, and a virtual account is created for each supplier. an account management unit 120 that manages deposit/withdrawal detail information of the virtual account by matching ordering companies;
The ordering company management unit 130 that manages the ordering company information, the ordering company's deposit information, and the ordering company terminal 300 information linked with the ordering company information based on the payment issuance information and virtual account information generated by the account management unit 120. ); and
Based on the payment issuance information transmitted from the supplier terminal 200, payment guide information with a payment deadline set is generated, and the generated payment guide information is combined with virtual account information assigned to the supplier based on the payment issuance information The extracted ordering company information is managed through the ordering company management unit 130, but the virtual account information and payment guide information are transmitted to the ordering company terminal 300, and the deposit/withdrawal history information of the account management unit 120 Based on this, the supplier management unit analyzes the payment result of the payment, information on the set payment deadline, whether or not the payment is received from the ordering company before the payment deadline, and the supplier's duplicate claim and the ordering company's duplicate deposit information for one same claim. (110), but if the payment is confirmed as non-payment after the payment deadline elapses, additional payment guidance information with an additional payment deadline set is generated and transmitted to the supplier terminal 200 and the ordering company terminal 300 Including; control unit 140;
The control unit 140 controls the payment date for each ordering company input through the account management unit 120, the average payment date until the time of payment, and the payment deadline to improve the management of fund operation by the person in charge of expenses of the supplier, the management of the payment due date of the ordering company, and the payment guidance work. Based on the deposit pattern for each ordering company according to the previous payment of the ordering company, financial design information reflecting the payment amount of the expected payment date calculated for each ordering company is generated and provided to the supplier terminal 200,
Based on the deposit/withdrawal detail information of the account management unit 120, the control unit 140 controls the payment issuance information input from the supplier terminal 200, the payment result according to the ordering company's deposit, the set payment deadline information, Prior to the payment deadline, the supplier checks whether the supplier makes a duplicate claim for one and the same bill and whether the customer makes a duplicate deposit by checking the deposit of the payment from the customer. A business-to-business payment management system using a virtual account, characterized in that it is managed to prevent duplicate billing of payment by the owner, duplicate payment and omission of payment by the ordering company. According to claim 1,
The payment issuance information includes supplier information, payment amount, creation date, item, and ordering company information. a) When the platform management server 100 receives payment issuance information from the supplier terminal 200, it creates a virtual account for each supplier by matching the supplier with the ordering company in response to the received payment issuance information. Generating payment guide information in which a deadline for payment of the payment is set based on the payment issuance information;
b) transmitting, by the platform management server 100, virtual account information and payment guide information assigned to the supplier to the ordering company terminal 300;
c) the platform management server 100 analyzes the deposit/withdrawal details of the virtual account, confirms the payment of the payment, notifies the supplier terminal 200 of the deposit result, and stores the result; and
d) if the payment is confirmed as non-payment after the payment deadline has elapsed, generating additional payment guide information setting an additional payment deadline and transmitting it to the supplier terminal 200 and the ordering company terminal 300; Including,
In step d), the average payment date and the average payment date until the deposit are entered through the virtual account so that the platform management server 100 improves the fund operation management of the supplier's cost manager, the ordering company's payment date management, and payment guidance work. , Based on the deposit pattern for each ordering company according to the payment of the ordering company before the payment deadline, financial design information reflecting the payment amount of the expected payment date calculated for each ordering company is generated and provided to the supplier terminal 200,
The platform management server 100 provides payment issuance information input from the supplier terminal 200 based on the deposit/withdrawal detail information of the virtual account, the payment result of the payment according to the ordering company's deposit, the set payment deadline information, and the payment Before the deadline, check whether the supplier makes a duplicate claim for the same claim and whether the customer makes a duplicate deposit through confirmation of the deposit of the payment from the customer to the supplier in the payment between the supplier terminal 200 and the customer terminal 300. A method for managing business-to-business payment using a virtual account, further comprising the steps of managing to prevent duplicate billing of payment by the owner, duplicate payment and omission of payment by the ordering company. According to claim 3,
The payment issuance information includes supplier information, payment amount, creation date, item, and ordering company information.

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