WO2018179290A1

WO2018179290A1 - Banking system and method executed by banking system

Info

Publication number: WO2018179290A1
Application number: PCT/JP2017/013462
Authority: WO
Inventors: 林　正人; 清徳宇賀神; 山田　耕司; 洋一板坂
Original assignee: 株式会社三井住友銀行
Priority date: 2017-03-30
Filing date: 2017-03-30
Publication date: 2018-10-04
Also published as: JP6356362B1; CN108990424B; CN108990424A; JPWO2018179290A1

Abstract

Provided is a banking system for ensuring the consistency of credit information that is to be registered to an accounting system on the basis of conditions for approval in a request for approval and the fulfillment state of conditions needed for loan execution. In response to approval of request-for-approval data, the banking system receives deal information associated with the request-for-approval data and first facility information generated on the basis of status information of a control card. Second facility information based on the received first facility information is stored. The banking system determines whether facility data that is to be registered to credit facilities is consistent with the detail information of facilities stored in second facility information, and determines whether the status information of a control card stored in the second facility information is appropriate. The facility data is registered to credit facilities in response to an affirmative determination result.

Description

Bank system and method performed by bank system

The present invention relates to a bank system and a method executed by the bank system. More specifically, the present invention is a bank that ensures the integrity of credit information that will be registered in the accounting system based on the approval conditions of the request for approval and the satisfaction of the conditions necessary for executing the loan. The system and the method performed by the banking system.

The scope of activities of financial institutions depends on the company size and company policy. For example, some financial institutions may be internationally active banks with offices around the world. Internationally active banks use a variety of systems to provide banking services to their customers. Such a system was not built at the same time, for example, it could be a newly built system when entering a certain region, or a system used by an acquired bank in that region Can be. Internationally active banks rebuild the entire system used in multiple countries and regions every few years, but until then, often continue to connect and use a wide variety of systems.

In recent years, overseas credit balances at banks have increased with the expansion of overseas business scale. Many companies establish subsidiaries and / or branches and / or build factories in multiple countries and regions to expand business opportunities. Under these circumstances, internationally active banks often lend to such companies through their overseas branches or local subsidiaries associated with the bank when doing business with such companies. In these cases, the credit-related business is usually not completed only by the branch office or local corporation in the country where the loan application is made, so the branch offices and headquarters in multiple countries share information and conduct credit-related business. ing.

Banks have developed various banking systems for many years. If the business area of the company that is the customer is only in the country, the bank will use a domestic banking system, such as a system for managing customer information, a settlement system for making loan decisions, a system for credit management, and an accounting system To support the activities of client companies. As corporate activity expands globally, the banking system is required to meet the needs of globally active businesses.

Patent Document 1 simply discloses a system for making a fund decision between a plurality of countries. Patent Document 2 discloses an overseas credit management system for corporate finance. As described above, the conventional banking system only provides a system that focuses on a specific business in the overseas business and a system specialized only in overseas credit management. A bank operated multiple accounting systems, including an accounting system with jurisdiction over Asia and an accounting system with jurisdiction over Europe and the like. However, the conventional bank system has not provided a mechanism for operating individual account systems in cooperation with other systems, for example, a system for managing overseas credits in cooperation with a plurality of account systems. The number of corporate finances for companies that develop their business globally is increasing, and the number of overseas headquarters, branches and local corporations is increasing. Under such circumstances, the bank can handle corporate finance and is an accounting system linked with an overseas credit management system that can involve multiple offices in the bank. It has been necessary to construct a new account system that ensures the consistency of credit information to be registered in the account system based on the approval conditions and the fulfillment of the conditions necessary for loan execution.

JP-A-2005-276012 Japanese Patent No. 5952518

An object of the present invention is a billing system linked with an overseas credit management system that can involve a plurality of offices in a bank, the approval condition of the approval document, and the satisfaction condition of the condition necessary for executing the loan It is to provide a bank system capable of ensuring the integrity of credit information to be registered in an account system based on the system.

In response to the approval of the approval document data, the bank system according to one aspect of the present invention provides the first facility information generated based on the Deal information associated with the approval data and the status information of the control card. And the first facility information identifies an associated billing system and is periodically transmitted to the identified billing system and a second based on the received first facility information Store facility information, determine whether facility data to be registered in the credit frame is consistent with the facility detail information stored in the second facility information, and the second Whether the status information of the control card stored in the facility information is appropriate Or it determines, in response to a positive determination result, configured to perform a registration to the credit of the facility data.

According to another aspect of the present invention, a method executed by a banking system is generated based on deal information associated with approval request data and status information of a control card in response to approval of approval request data. Receiving the first facility information, wherein the first facility information identifies an associated billing system and is periodically transmitted to the identified billing system. , Storing the second facility information based on the received first facility information, and facility detail information in which the facility data to be registered in the credit facility is stored in the second facility information And is stored in the second facility information. Comprising a said status information of the serial control card to determine whether the appropriate response to the affirmative determination result, and performing registration to the credit of the facility data.

The bank system of the present invention can ensure the consistency of credit information to be registered in the account system based on the approval condition of the approval document and the satisfaction state of the condition necessary for executing the loan.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description, illustrated with reference to the accompanying drawings.

FIG. 1 shows an overall view of a bank system including a credit management system and a plurality of accounting systems. FIG. 2 shows a part of the system configuration of the credit management system and a plurality of billing systems. FIG. 3 shows an exemplary format of the request for approval. FIG. 4 is a diagram illustrating the relationship between FIG. 4A and FIG. 4B. FIG. 4A shows an example of a control card edit screen that can display data stored in the control card. FIG. 4B shows an example of a control card edit screen that can display data stored in the control card. FIG. 5 shows the flow of credit-related operations in the case for corporate finance. FIG. 6 illustrates the main operation flow in the case of FIG. FIG. 7 shows a frame registration screen for registering a credit frame in the account system. FIG. 8 describes in detail the flow executed in the accounting system.

DETAILED DESCRIPTION A detailed description of exemplary embodiments according to the present disclosure is provided below with reference to the drawings. The exemplary embodiments described herein are used only as examples for discussion and are not used to limit the present disclosure.

<Definition of terms>
The meaning of the following terms used herein is defined.
Overseas credit: A loan made to a bank customer by an overseas branch of the bank or a local corporation related to the bank. Facility as a word corresponding to credit is used to refer to individual credits.
Overseas credit management: Managing the credit status of a loaned company in overseas credit management.
Lending Office: A branch or local subsidiary responsible for credit. In cases where multiple branches or local corporations do business with a single customer, the primary Lending Office (PLO) is an office that centrally manages customer information and performs debtor evaluation. (SLO: Secondary Lending Office) is an office other than the main credit store.
Global company: A company that operates in many regions and needs to be managed by multiple credit stores.

This document describes a credit management scheme performed at a bank and a system for implementing that scheme. A bank may have local subsidiaries associated with branches and banks in multiple countries and regions. Banks divide the world into multiple regions and set up headquarters in each region (eg, European headquarters, Asia-Pacific headquarters, Americas headquarters, and the like), and branches and local offices in countries within the region. Can manage legal entities. Headquarters, branches and local corporations may be referred to as “entities”.

FIG. 1 shows an overall view of a bank system 1 including a credit management system 10 and a plurality of account systems 20. The bank system 1 is a system that can handle deposit business, loan business, domestic exchange business, foreign exchange business, and the like. For the purpose of explanation, this specification describes the functions and processes related to overseas credit management for companies operating in one or more countries and regions among the main functions of the bank system 1.

In the bank system 1, the credit management system 10 is connected to a plurality of

account systems

20a and 20b (collectively referred to as “account system 20” in this specification) so as to be communicable. In FIG. 1, two

billing systems

20 a and 20 b are shown, but the credit management system 10 can be connected to three or more billing systems.

The credit management system 10 can store customer information used in the credit management process and item information (Deal) related to financing. Deal is information that can include factual information such as the background and reason for the funding demand of the company that is the customer, the use of the fund and the loan period.

The credit management system 10 can support the function of creating a request for approval for overseas credit by using customer information and Deal, circulating it to related departments, and obtaining approval from the authorized person. The credit management system 10 can support various credit-related operations, and can enhance cooperation and internal management between related departments and credit stores. The credit management system 10 can provide a function of checking whether the business before the loan execution and the business after the loan execution are appropriately executed. The credit management system 10 can send the approved credit details and control card status information to the billing system 20 associated with the credit details. The control card will be described later with reference to FIGS. 2, 4A and 4B.

The account system 20 is one of the systems constituting the bank system 1, and is a system that executes bank account processing such as account and loan balance management, interest calculation for deposit amount and loan amount. In each of the

accounting systems

20a and 20b, a country / region to be used can be determined. For example, the accounting system 20a is used by the headquarters, branches and local corporations in the Asian region, and the accounting system 20b is used by the headquarters, branches and local corporations in the Western region.

The bank system 1 may be connected to a plurality of bank terminals 30a, 30b,... 30n (collectively referred to as “bank terminals 30” in this specification) so as to be able to communicate via the network 40. it can. The bank terminal 30 can access the credit management system 10 and the billing system 20 respectively. Each of the bank terminals 30 can be used by a bank headquarters, a branch, and a local corporation that use the bank system 1. The bank terminal 30 may be a terminal that can be used by a bank clerk, and is not limited to a specific device. For example, the bank terminal 30 can operate in a personal computer (PC), a laptop, a tablet terminal, a personal digital assistant (PDA), a user equipment (UE), a mobile station, a cellular phone, a smartphone, or a wired or wireless environment. Any other type of device can be included, but is not limited to such. The network 40 may be a well-known network that can communicate with each other, including the Internet and a dedicated line, and is not particularly limited.

FIG. 2 shows a part of the system configuration of the credit management system 10 and a plurality of billing systems 20. The credit management system 10 can include a processor 11, a memory 12, a connection interface (IF) 13, a network interface (IF) 14, an output device 15, and a storage 16. The components 11 to 16 can be connected to each other via a bus 19 so as to communicate with each other.

The processor 11 controls each device and each circuit in the credit management system 10, and performs calculation and data processing. The processor 11 can read various programs stored in the storage 16 into the memory 12 and execute them.

The memory 12 is a temporary storage area and is used when an operation is executed by the processor 11. The memory 12 can store various data, computer-executable instructions, and data after arithmetic processing by the instructions.

The connection IF 13 is an interface for connecting various devices to the credit management system 10. For example, a display, a keyboard, a mouse, an external storage device, and the like can be connected to the credit management system 10 via the connection IF 13.

The network IF 14 serves as an interface for transmitting and receiving data to and from other systems and devices. The processor 11 performs data communication with the network 40 and the plurality of billing systems 20 through the network IF 14.

The output device 15 may display data processed by the processor 11 and / or data read from various databases and files on a display and provide a function for printing the data displayed on the display. it can.

The storage 16 is a storage area for storing various programs and data. The storage 16 is composed of, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), and the like, and can store various data and programs for a long time. Based on the control of the processor 11, one or more data is read from the storage 16 and one or more data is written to the storage 16.

The accounting system 20 also includes a processor, a memory, a connection IF, a network IF, an output device, and a storage corresponding to the processor 11, the memory 12, the connection interface (IF) 13, the network interface (IF) 14, the output device 15 and the storage 16. Can be provided. The function of each component is the same as the functions 11 to 16 described above.

FIG. 2 illustrates an embodiment in which the processor 11, the memory 12, and the storage 16 are provided in the same computer. In other embodiments of the present invention, the credit management system 10 can be configured to implement parallel and distributed processing on multiple computers by using multiple processors 11, memory 12 and storage 16. is there. In another embodiment of the present invention, an embodiment in which a plurality of computers are installed for the credit management system 10 and the plurality of computers share one storage 16 may be employed.

Examples of databases, tables and / or files stored in the storage 16 will be described. The storage 16 can include customer information 161, corporate card 162, deal profile 163, deal information 164, user information 165, approval document 166, contract information 167, control card 168, and facility information 169.

Customer information 161 can store customer information used in the credit management process. The customer information 161 is a customer profile, for example, customer ID, company name, head office location, year of establishment, number of employees, factory and / or branch location (country and city name), stock information, shareholders, group Attribute information such as structure, business history, bank relationship, key person, business division, segment by region, major customers, major suppliers can be included. The customer information 161 may include a client's income statement, balance sheet, cash flow statement, and original data of those financial information, and an analysis result based on the financial information. The financial analysis is performed by a bank clerk, and the analysis result can be used for credit judgment.

Since the customer information 161 is data shared in the bank system 1 and can be shared by a plurality of departments and credit stores in the bank, the customer information 161 is customer information different from the conventional CIF (customer information file). is there. Customer information in CIF was created and maintained by each credit store. When a certain company has transactions with multiple credit stores in a bank, each credit store has created and maintained a CIF, so there is no centralized information management within the bank. It was.

The corporate card 162 can store information extracted from the customer information 161 at a certain point. The customer information 161 stores information that changes over time, while the corporate card 162 stores information on the customer information 161 at the time of drafting the approval document. In another embodiment, the corporate card 162 may store information on the customer information 161 at the time when the approval document is settled.

The Deal profile 163 can store item information (Deal) related to financing. Deal is a management unit for credit transactions. The Deal can include factual information such as the background and reasons for the funding requirements of the client company, as well as the use of the funds and the loan period. Deal may indicate information for transactions involving multiple credit stores and / or transactions involving multiple debtors.

The Deal profile 163 can include basic information, a Deal summary, a Deal background, a lending structure, support sharing, credit details information, and collateral details information.

The basic information may include a case number for identifying Deal, a Deal name, one or more credit shop names, and customer IDs of one or more debtors. The Deal summary can include a summary of the transaction. For example, the Deal summary states, “The purpose of the loan is working capital for a business company headquartered in India. The loan period is one year and the loan amount is $ 10 million. New Delhi (NDL) and Singapore ( SNG) 's credit store will provide $ 5 million each.

The Deal background can include the background circumstances and reasons for making this loan. The lending structure can include a diagram describing the financing scheme and its description. In the case where a plurality of financial institutions provide loans, the support sharing can indicate the support ratios of the respective financial institutions (for example, Bank A 40%, Bank B 35%, Bank C 25%).

The credit details information can include detailed information of the loan such as the details number, debtor, credit type, currency, and loan amount. One Deal can include one or more facility information. The collateral details information may include detailed information on this Deal collateral. When a plurality of credit stores are involved in Deal, the credit detail information can indicate a combined extreme that combines the extremes set in the respective credit stores. The credit detail information and the collateral detail information can include information of a plurality of debtors.

The deal information 164 can store information extracted from the deal profile 163 at a certain point in time. The Deal profile 163 stores information that changes over time, but the Deal information 164 stores information on the Deal profile 163 at the time of drafting a request for approval. The Deal information 164 can include status information. The status information can indicate “Pending” before the approval document is approved, and “Fixed” after approval.

Deal information 164 may include one or more facility information. For example, when Deal is related to factory construction, financing for land acquisition is first performed and then financing for factory construction is performed. In such a case, one Deal can include a plurality of facility information.

User information 165 can store user information using the bank system 1. The user information 165 can include a user ID, a belonging organization, a credit position, and a role. The user ID is an ID for identifying a user who uses the bank system 1. The organization to which the user belongs is the department to which the user belongs (for example, the examination department of the head office, the sales department of the Singapore branch, etc.). The credit position is a position for credit judgment, and indicates positions such as a group manager and a branch manager. These positions are determined based on formal personnel information. The role indicates a role (for example, front, front middle, middle back, back, examination section, etc.) that plays in the credit-related business. Examples of roles, job titles, and job contents are shown in Table 1.

The approval document 166 can store approval document data for requesting approval for the execution of the loan. A request for approval is created for each Deal. FIG. 3 shows an exemplary format of the request for approval. This format can include credit case information, approval flow, exposure and maintenance status, profitability, conclusions of each entity for the credit case, debtor list and the like. The approval document 166 may include an approval document ID, the contents shown in FIG. 3, and the status. The approval document ID indicates an identifier of the approval document, and the status indicates the status of examination (for example, “before approval”, “approved”). Each approval document data in the approval document 166 can be associated with corresponding data in the corporate card 162 and the Deal information 164.

The contract information 167 can store signed contract data created after the approval of the approval document. The contract information 167 can store the identifier of the corresponding deal information and the approval document ID of the corresponding approval data.

The control card 168 may include information on the credit business that needs to be executed and information on the department (role) in charge of the credit business. The control card can also indicate the progress of all credit operations that need to be performed. Each piece of information stored in the control card 168 is generated for each corresponding Deal. Each piece of information stored in the control card 168 is associated with the corresponding Deal and the corresponding approval document data. The content of the credit business that needs to be executed and the department (role) in charge of the credit business can be determined based on the deal information and the approval flow information of the approval document. For example, a loan for a project in the United States and a loan to a business company headquartered in India have different credit cards and responsible departments and branches that need to be executed, so different control cards are used. The department in charge of the credit business can perform the credit business according to the assigned role and input the result to the credit management system 10.

4A and 4B show an example of a control card editing screen 400 that can display data stored in the control card 168. FIG. The control card editing screen 400 can include a control card number 401, a responsible entity and role 402, deal information 403, a document list 404, a status change button 405, and a credit service 406. The control card editing screen 400 can further have an associated approval document ID and an identifier of the corporate card 162.

The control card number 401 is an identifier for identifying a control card. Responsible entity and role 402 may indicate an entity (department, branch, etc.) and role that should be responsible for credit operations. The responsible entity and role 402 may further indicate a user ID and user name.

Deal information 403 can indicate corresponding Deal information stored in Deal information 164. For example, FIG. 4A can display a credit case number, a Deal name, and a debtor.

The document list 404 can display a list of contracts and related documents associated with the control card 168 when selected by the user. When the desired data is selected from the list, the credit management system 10 can display the selected data.

The status change button 405 can be used to move to the next status when all credit operations that need to be executed indicate “Complete”. The status may include “preparation from contract before contract (Pre-Signing)”, “post-signing” and “Available to Drawdown”.

While the status is “Pre-Signing”, the content of the contract (or inspection before signing), the required items before signing (various documents) and associated processes, the management of the examination department conditions, and the pre-signing Satisfaction confirmation of collateral and guarantees can be made.

間 While the status is “Post-Signing”, post-acquisition items (various documents) can be managed, and post-mortem collateral and guarantee satisfaction management can be performed.

While the status is “Available to Drawdown”, management of post-acquisition items (various documents) in a state where the account can be executed, management of conditions specified by the examination department, and collateral in a state where the account can be executed And fulfillment of guarantees.

As shown in FIG. 4A and FIG. 4B, the control card editing screen 400 includes a credit service for each facility, and can indicate whether each of the credit services is completed. Specifically, the control card edit screen 400 can include two facilities. In FIG. 4A and FIG. 4B, the loan number “X111” indicates that the loan application has been made in Singapore, is in the “Pre-Signing” stage, and the loan name is “364-day bridge loan” Indicates. The control card editing screen 400 can include “Application”, “Condition”, “Terms Check”, “Guarantee / Collateral”, “Document”, and “Ancillary Process” as credit operations in the “Pre-Signing” stage. .

Credit work “Application” indicates whether the format check of the approval document and / or the approval of the approval document has been completed. The credit service “Condition” indicates whether or not the response to the condition given by the examination department at the time of approval of the approval document is completed. “Terms Check” indicates whether the inspection of the contract contents described in the contract has been completed. The credit service “Guarantee / Collateral” indicates whether guarantees and / or collateral are satisfied. The credit service “Document” indicates whether or not a necessary request (various documents) has arrived. The credit service “Ancillary Process” indicates whether an accompanying process required before signature is completed.

As described above, the credit management system 10 can have a control card for each approval document, and the control card can indicate the progress of all credit operations that need to be performed. The information of the control card 168 shown in FIGS. 4A and 4B is merely an example, and the control card editing screen 400 can display other than the credit service shown in this specification.

Referring to FIG. 2 again, the facility information 169 can store information on individual credits to be registered in the account system 20. The credit management system 10 can generate facility information 169 and transmit the individual facility information to the

accounting systems

20a and 20b associated with the facility information, respectively. Facility information is transmitted to the accounting system 20 associated with a predetermined period.

The account system 20a can include facility information 201a and a credit frame 202a, and the account system 20b can include facility information 201b and a credit frame 202b. Since the facility information 201a and the facility information 201b include the same information, they can be collectively referred to as “facility information 201”. Facility information 201 may include information that is generated or updated based on facility information 169 received from credit management system 10. The credit line 202a and the credit line 202b can include data of credit lines registered in the account system 20a and the account system 20b, respectively.

FIG. 7 shows a frame registration screen 700 for registering a credit frame in the accounting system 20. The bank terminal 30 can access the billing system 20 and call the frame registration screen 700. When a credit case number (facility ID) is designated on the frame registration screen 700, the account system 20 extracts information associated with the designated credit case number from the facility information 201 and displays it on the frame registration screen 700. be able to. When the registration button on the frame registration screen 700 is pressed, the billing system 20 determines whether the information displayed on the frame registration screen 700 matches the information stored in the facility information 201, and the facility information 201. It is possible to check whether or not the status information of the control card stored in is appropriate, and if it is a positive determination result, it can be registered in the credit line 202.

As described in this specification, the facility information 201 is generated based on the credit details information for which the approval has been approved. Since the information displayed on the frame registration screen 700 is extracted from the facility information 201, the frame registration screen 700 can display only the credit details for which the approval has been approved.

Referring to FIG. 5 and FIG. 6, an example of overseas credit management operation will be described. FIG. 5 shows the flow of credit-related operations in the case for corporate finance. This case indicates that credit-related operations are performed by a plurality of bank entities (eg, Singapore branch, Hanoi branch, Tokyo headquarters examination department). In this specification and drawings, Singapore may be abbreviated as “SNG”, Hanoi may be abbreviated as “HNI”, and Tokyo may be abbreviated as “TKY”.

Explanations for reference numerals (1) to (4) shown in FIG. 5 are shown.
(1) A customer XYZ Corporation in Singapore (SNG) applies for a loan to the Singapore branch of a bank.
(2) The front of the Singapore branch updates the customer information 161 and the Deal profile 163 in response to receiving the loan application, and creates a request for approval. In response to creation of the approval document, a corporate card 162, deal information 164, and a control card 168 are generated. The front middle of the Singapore branch checks the format of the request for approval and confirms the necessary documents and necessary procedures. The front middle of the Singapore branch will update the control card 168 after inspection and confirmation. The front middle of the Singapore branch asks the review department to approve the approval document. The examination department reviews the approval document, determines loan conditions, and approves the loan.
(3) After the approval, the Singapore branch front will request condition management and administrative procedures from the Hanoi branch in Vietnam. The Hanoi branch's middleback reviews approved approvals and contracts. After the review, the Hanoi branch middle back updates the control card 168.
(4) The middle back of the Hanoi branch sets a credit line in the XYZ Corporation account in the Hanoi branch after the review. The credit limit means a credit (ie, loan) limit set for a customer. After that, the back of the Hanoi branch is credited to the account of XYZ Corporation.

Table 2 shows examples of credit operations for each role described above, but the credit operations are not limited to these operations.

FIG. 6 illustrates the main operation flow in the case of FIG. S602 and S603 can be executed in parallel.

In S601, the credit management system 10 can provide the bank terminal 30 with an application for inputting and updating the customer information 161. In response to receiving a loan application from XYZ Corporation, the Singapore branch front accesses the credit management system 10 via the bank terminal 30 and the application, and inputs or updates the customer information 161. it can.

The credit management system 10 can provide the bank terminal 30 with an application for inputting and updating the Deal profile 163. The front of the Singapore branch can input the loan information for the XYZ Corporation into the Deal profile 163 via the bank terminal 30 and the application.

In S602, the front of the Singapore branch can access the credit management system 10 via the bank terminal 30 and draft a proposal. The drafter of the agenda can select the confirmer who confirms the agenda and the approver who approves the agenda. Alternatively, the drafter can select the name of an entity (eg, one or more departments, such as the Examining Department) instead of, or in addition to, the confirmer and authorizer . If the name of the entity is selected, the entity that received the request for approval can select the confirmer and approver of the request for approval. In response to the generation of the approval document data, the credit management system 10 extracts customer information associated with the approval document data from the customer information 161, stores it in the corporate card 162, and deals information associated with the approval document data. Is extracted from the Deal profile 163 and stored in the Deal information 164. Through these processes, the credit management system 10 can associate the customer information and the loan item information at the time of creation of the approval document with the approval document data.

The credit management system 10 can transfer the approval document data to the confirmer who confirms the approval document and the approver who approves the approval document in accordance with the approval route specified in the approval document data. The confirmer and approver can be notified of the identification information of the approval document that needs to be verified by them. For example, after confirming the format of the approval document and confirming the contents, the confirmer can transmit a signal indicating the completion of confirmation to the credit management system 10 via the bank terminal 30. After the approval document is approved by the approver, the credit management system 10 can update the items “Application” and “Condition” in the corresponding control card from “Incomplete” to “Complete”.

In S603, the credit management system 10 can generate control card data associated with the approval document data in response to the generation of the approval document data, and store the generated data in the control card 168. The status of the generated control card is “Pre-Signing”. As described above, the credit service and the responsible department (role) included in the generated control card depend on the corresponding deal information and the approval flow information of the corresponding approval document. The generated control card can also include a credit service that is performed after the approval of the approval document. The credit management system 10 can update the credit service from “Incomplete” to “Complete” in response to the occurrence of an event associated with the credit service included in the control card. For example, after the request is submitted from the customer and the request data is registered, the credit management system 10 can update the corresponding credit operation from “Incomplete” to “Complete”.

In S604, the approval document is approved by the approver. After approving the request for approval, the Singapore branch's front desk prepares a contract according to the content of the request for approval. The created contract is signed by the parties. The credit management system 10 can receive the signed contract data and store it in the contract information 167. The credit management system 10 can update the status of the control card to “Post-Signing” in response to the storage of the contract data.

In S605, the credit management system 10 can periodically generate the facility information 169 after the approval document is approved. Facility information 169 may comprise control card status information and facility details information for each facility associated with an approved request. Facility detail information can be generated from one or more of a corporate card 162, deal information 164, approval document 166 and contract information 167.

In S606, the credit management system 10 can periodically transmit each data of the facility information 169 to each of the billing system 20 associated with each facility information. The billing system 20 can update the facility information 201 based on the received facility information 169 data. As described above, facility detail information can be generated from the Deal information 164, which has information about the credit store or the main credit store (PLO). The credit store or PLO information can identify the associated billing system 20. For example, when the Singapore branch is a credit store or a PLO, the account system 20 used is the account system 20 having jurisdiction over the Asian region.

In S607, the account system 20 can provide the bank terminal 30 with a frame registration screen 700 for registering a credit frame in the account system. When a credit case number is designated on the frame registration screen 700, the account system 20 can extract information associated with the designated credit case number from the facility information 201 and display it on the frame registration screen 700. When information is input or updated by the user and a registration button (not shown) on the frame registration screen 700 is pressed, the account system 20 stores the information displayed on the frame registration screen 700 in the facility information 201. It can be checked whether or not it matches the information being displayed.

In S608, the billing system 20 determines whether the information to be registered in the credit frame 202 is consistent with the facility detail information stored in the facility information 201. Since the facility information 201 is updated based on the facility information 169, the facility information 201 can include control card status information and facility detail information. The facility detailed information is generated from one or more of the corporate card 162, deal information 164, approval document 166, and contract information 167 after approval of the approval document. For this reason, when it is determined that there is no consistency, the information to be registered in the credit line 202 does not match the detailed information of the approved facility. If it is determined that there is no consistency, the billing system 20 displays a message via the frame registration screen 700 to indicate that there is no consistency. In such a case, re-input of data is performed through the frame registration screen 700 in S607.

In S608, the billing system 20 further determines whether the status information of the control card stored in the facility information 201 is an appropriate status. If the status information is inappropriate, the billing system 20 displays a message that prompts the user to register the credit line after the necessary credit business is satisfied. In S <b> 609, the billing system 20 can register the information input via the frame registration screen 700 in the credit frame 202.

As described above, since the data of the facility information 201 is data based on the facility information 169 generated based on the data stored in the credit management system 10, the present invention uses the approved deal information and the account system. Consistency with credit information to be registered in the system 20 can be ensured.

FIG. 8 explains in detail the flow executed in the accounting system 20. As a premise for starting the flow of FIG. 8, the billing system 20 updates the data of the facility information 201 based on the data of the facility information 169 received from the credit management system 10. In S801, the billing system 20 can provide the bank terminal 30 with a frame registration screen 700 as shown in FIG. The credit item number is input to the input item “GBR Facility ID”, and a search button (not shown) displayed on the frame registration screen 700 is pressed. In response to receiving the credit case number from the bank terminal 30, the billing system 20 reads data corresponding to the designated credit case number from the facility information 201 in the billing system 20, and displays it on the frame registration screen 700. Can be displayed.

At S802, the middle branch of the Hanoi branch can input update information and / or additional information on the frame registration screen 700. For example, the middle branch of the Hanoi branch can access the account system 20 after reviewing the contract, and set the facility limit for the XYZ Corporation account in the Hanoi branch. This facility limit can be determined based on the lending terms in the contract. When a registration button (not shown) displayed on the frame registration screen 700 is pressed, the account system 20 stores data to be registered in the credit frame 202 in the facility information 201 via the frame registration screen 700. It can be checked whether or not there is consistency with the detailed information of the stored facility. The billing system 20 can further determine whether or not the status information of the control card stored in the facility information 201 indicates an appropriate status.

In step S803, the data to be registered in the credit line 202 is consistent with the detailed information of the facility stored in the facility information 201, and the status of the control card stored in the facility information 201 When the information indicates an appropriate status, the process flow proceeds to S804. Otherwise, the billing system 20 can display a message on the bank terminal 30 and return to S802 to prompt for re-input.

In S804, the billing system 20 can store the data input via the frame registration screen 700 in the credit frame 202. The data stored in the credit line 202 is consistent with the detailed information of the approved facility.

In S805, the billing system 20 can provide the bank terminal 30 with a screen for registering withdrawal execution. When an instruction to execute the withdrawal of a specific facility in the credit line 202 is received from the bank terminal 30, the account system 20 reads out the corresponding information stored in the credit line 202, and a screen for registering the withdrawal execution Display above. In response to receiving the withdrawal execution registration command, the billing system 20 determines whether the displayed information is consistent with the facility detailed information stored in the facility information 201. In addition, it is determined whether or not the status information of the control card stored in the facility information 201 indicates an appropriate status. For example, when the status information indicates “Available to Drawdown”, the billing system 20 can determine that the information to be withdrawn is valid. For example, the back of the Hanoi branch confirms information such as the set facility limit amount and the payment date and time of the contract, and the bank system 30 determines whether or not the registered entry of the registered facility can be withdrawn to the account system 20. You can register. The funds indicated in the facility limit will be deposited into the XYZ Corporation account.

In S806, if the determination result in S805 is a positive result, the process proceeds to S807. If the determination result in S805 is not positive, the billing system 20 can display a message on the bank terminal 30 and return to S805 to prompt reregistration of withdrawal execution. In S807, the billing system 20 can make a withdrawal book for this facility. In the case of FIG. 5, the withdrawal book can mean depositing into an XYZ Corporation account.

As described above, the consistency of the facility data to be withdrawn / booked is checked based on the data of the facility information 201 stored in the account system 20. Since the facility information 201 is generated based on the approved deal information, the present invention can ensure the consistency between the approved deal information and the credit information to be registered in the accounting system 20. .

Although the principle of the present invention has been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the spirit of the present invention. Will understand. The present invention can take the form of, for example, a system, apparatus, method, program, or storage medium.

Claims

A banking system,
In response to the approval of the approval document data, the first facility information generated based on the deal information associated with the approval request data and the status information of the control card is received, and the first facility information is Identifying an associated account system, and periodically transmitted to the identified account system,
Storing second facility information based on the received first facility information;
It is determined whether the facility data to be registered in the credit frame is consistent with the detailed facility information stored in the second facility information, and is stored in the second facility information. Determining whether the status information of the control card is appropriate,
A banking system comprising a processor configured to perform registration of the facility data in the credit line in response to a positive determination result.
The processor is
The facility data stored in the credit facility is stored in the second facility information in response to receiving a withdrawal execution registration command for the facility data designated by the user. Determining whether there is consistency with the detailed facility information of the facility being determined, and determining whether the status information of the control card stored in the second facility information indicates an appropriate status;
The bank system according to claim 1, further configured to perform a withdrawal execution on the facility data in response to a positive determination result.
The bank system includes an overseas credit management system and a plurality of account systems, wherein the first facility information is stored in the overseas credit management system, and the second facility information includes a plurality of the account systems. The banking system according to claim 2, stored in each of the systems.
The bank system according to claim 2, wherein when the status information of the control card stored in the second facility information indicates "Available to Drawdown", the facility data is determined to be valid.
The second facility information is updated based on the periodically received first facility information;
The banking system according to claim 1, wherein the facility data to be registered in the credit line is extracted from the updated second facility information.
A method implemented by a banking system,
In response to the approval of the approval document data, receiving the first facility information generated based on the Deal information associated with the approval request data and the status information of the control card, the first information The facility information of the system identifies the associated accounting system and is periodically transmitted to the identified accounting system;
Storing second facility information based on the received first facility information;
It is determined whether the facility data to be registered in the credit frame is consistent with the detailed facility information stored in the second facility information, and is stored in the second facility information. Determining whether the status information of the control card is appropriate;
Registering the facility data with the credit facility in response to a positive determination result.
The facility data stored in the credit facility is stored in the second facility information in response to receiving a withdrawal execution registration command for the facility data designated by the user. It is determined whether or not there is consistency with the detailed information of the facility being used, and whether or not the status information of the control card stored in the second facility information indicates an appropriate status When,
The method according to claim 6, further comprising performing a withdrawal execution on the facility data in response to a positive determination result.
The bank system includes an overseas credit management system and a plurality of account systems, wherein the first facility information is stored in the overseas credit management system, and the second facility information includes a plurality of the account systems. The method of claim 7, stored in each of the systems.
The method according to claim 7, wherein when the status information of the control card stored in the second facility information indicates Available to Drawdown, the facility data is determined to be valid.
The second facility information is updated based on the periodically received first facility information;
The method of claim 6, wherein the facility data to be registered in the credit facility is extracted from the updated second facility information.