KR101809817B1 - Method for Providing Company Financial Task Processing Service By Using CMS(Cash Management Service) - Google Patents

Abstract

The present invention relates to a method for providing a service for processing a corporate financial transaction using a CMS, and in a method for providing a service for processing a corporate financial transaction executed by a server that provides a CMS (Cash Management Service) to an enterprise customer in cooperation with a financial institution server , Processing to provide at least one piece of evidence information of the enterprise customer necessary for the financial service from the financial institution server through the CMS program installed in the terminal of the enterprise customer, and to obtain the one of the provided evidence information from the third institution Whether the issuance of one or more supporting documents corresponding to the issuance request information inputted through the issuance interface outputted for the issuance of the supporting document through the CMS program in cooperation with the server of the third institution And the supporting documents issued by the CMS program And receives from the terminal of the enterprise customer the supporting document issued to the enterprise customer or the supporting document information including the supporting document through the CMS program, and the financial business includes the credit for the enterprise customer Evaluation work, audit work, limit work, extension work, and new work.

Description

[0001] The present invention relates to a method for providing a business transaction service using a CRM (Financial Management Processing Service (CMS)

The present invention provides a method for providing a corporate financial service processing service executed by a server that provides a cash management service (CMS) to an enterprise customer in cooperation with a financial institution server, the method comprising the steps of: And a third server of the third party checks whether the proof document information is included in the provided proof document information and provides the proof document information through the CMS program installed in the terminal of the enterprise customer. Monitors the issuance of one or more supporting documents corresponding to the issuance request information inputted through the issuing interface outputted for the issuance of the supporting document through the CMS program in cooperation with the CMS program, and outputs the issued supporting document through the CMS program , And transmits the CMS program And the financial document includes at least one of a credit evaluation job for an enterprise customer, a review job, a limit job, an extension job, and a new job. And more particularly, to a method of providing a service for processing a corporate financial transaction using MRC.

Cash Management Service (CMS), which is widely used by corporations, is a financial fund management service that can check and transfer bank accounts using a communication network without visiting the bank. Through these funds management services, companies can easily grasp the details of funds in various accounts, facilitate the transfer of funds between accounts, and easily grasp the overall flow of funds.

Recently, such money management services are being expanded to enable banking services such as inquiry / transfer as well as various financial services. However, in the case of financial services, there are relatively many cases where documents issued by government agencies are needed. In this case, there are many inconveniences such as a case where a company visits the relevant organization directly and issues it.

Korean Patent Laid-Open Publication No. 10-2012-0033648 (published on April 09, 2012), an accounting audit brokerage system and an accounting audit brokerage method using the same (hereinafter referred to as the prior patent 1) Includes the provision of an authorized brokerage system to broker the documents necessary for the audit between the client and the financial institution providing the accountant's audit evidence, and to keep the audit record and the audit record.

In this case, however, it is difficult to apply the issuance documents of the government agencies that must be directly issued by the corporation, since it is merely intermediated and provided with the accounting audit evidence that the CPA has to prepare and provide.

An object of the present invention to solve the above problems is to utilize a cash management service (CMS) used by an enterprise customer to collect and provide documentary evidence related to various financial operations required by a financial institution, So that it can be processed more easily.

A method for providing a corporate financial transaction processing service executed by a server that provides a cash management service (CMS) to an enterprise customer in cooperation with a financial institution server according to the present invention is a method for providing a corporate financial transaction processing service, A first step of processing the document information to provide the document information through the CMS program installed in the terminal of the enterprise customer; a second step of checking whether the proof document to be issued from the third institution is included in the provided document information; A third step of receiving the document of the enterprise customer from the server of the third institution through the CMS program installed in the terminal of the enterprise customer, and a step of issuing the document to the enterprise customer through the CMS program And a fourth step of receiving the supporting document or the supporting document information including the supporting document Over it can be configured.

According to the present invention, the financial service may include at least one of a credit evaluation service, an audit service, a limit service, an extension service, and a new service for an enterprise customer.

According to the present invention, the document data may include at least one document to be issued from a third organization, a document accumulated or stored using a CMS, and a document to be prepared by an enterprise customer.

According to the present invention, the third step may include: outputting an issuing interface for issuing a supporting document through the CMS program in cooperation with a server of a third institution; issuing an issuing request information Monitoring whether the issuance of one or more supporting documents corresponding to the issuance has been made; and scrapping the issued supporting document and outputting it through the CMS program.

In order to solve the above problems, an object of the present invention is to provide a method for providing a corporate financial transaction processing service executed by a server that provides a cash management service (CMS) to an enterprise customer in cooperation with a financial institution server, A first step of providing at least one piece of evidence information of the enterprise customer required for the financial service through a CMS program installed in the terminal of the enterprise customer from the first step; A second step of confirming whether the document is included in the document, and a second step of checking whether the document is included in the one or more supporting documents corresponding to the issuance request information inputted through the issuing interface outputted for issuing the supporting document through the CMS program, Monitoring the issuance and issuing the supporting documents through the CMS program And a fourth step of receiving, from the terminal of the enterprise customer, the supporting document issued to the enterprise customer through the CMS program or the supporting document information including the supporting document, , A credit evaluation service for corporate customers, a review service service, a limit service service, an extension service service, and a new service service.

According to the present invention, it is possible to expand the functions of the CMS used by the enterprise customers and to utilize them as an effective means of connecting the business of the enterprise customers with the financial institutions. Also, There is an advantage that it is easier to automate the filing of the submission documents and the efficiency of the work can be improved, and the financial institution has an advantage that CMS can be utilized as a new sales and work channel.

A method for providing a corporate financial transaction processing service executed by a server that provides a cash management service (CMS) to an enterprise customer in cooperation with a financial institution server according to the present invention is a method for providing a corporate cash transaction service (CMS) The method comprising the steps of: providing at least one piece of evidence information of the enterprise customer required for a financial service from a financial institution server through a CMS program installed in the terminal of the enterprise customer; And a second step of confirming whether the document to be issued from the third institution is included in the provided proof information and the second step of issuing the document through the CMS program in cooperation with the server of the third institution Corresponding to the issuance request information inputted through the issuance interface outputted to the terminal A third step of monitoring whether or not the issuance of the supporting document is issued and processing to output the issued supporting document through the CMS program and a third step of receiving the supporting document issued to the enterprise customer or the supporting document from the terminal of the enterprise customer through the CMS program And a fourth step of receiving the supporting document information, and the fourth step of receiving the supporting document information, and the fourth step of receiving the supporting document information including the supporting document information, .

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FIG. 1 is a diagram illustrating a configuration of a system for providing a service for processing a corporate finance service using MRMS according to an embodiment of the present invention.

More specifically, FIG. 1 shows a server providing a CMS (Cash Management Service) to an enterprise customer in cooperation with a financial institution server, If a proof document to be issued from the third institution is included in the provided evidence information in the process of providing through the CMS program installed in the terminal, the server of the third institution through the CMS program installed in the terminal of the enterprise customer And receives the evidence document issued to the enterprise customer through the CMS program or the evidence document data including the evidence document from the terminal of the enterprise client and provides the certificate to the financial institution server A diagram showing a simple configuration of a system for providing service for business finance processing As shown in FIG. 1, the present invention can be applied to various embodiments of a system for providing a service for providing an enterprise financial transaction service by referring to and / or modifying the present invention. However, The present invention is not limited to the above-described embodiments.

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The company executives and employees can access the financial institution server 145 through the CMS program installed in the enterprise customer terminal 140, and can perform banking tasks such as inquiry of funds and transfer of funds.

Also, one or more pieces of evidence information necessary for a financial service related to the enterprise customer may be received from the financial institution server 145 through the CMS program and output to the enterprise customer terminal 140.

Here, the financial service may include at least one of a credit evaluation service, an auditing service, a limit service, an extension service, and a new service for an enterprise customer.

In addition, the evidence information may include supporting documents to be issued by a third party, accumulated or stored data using a CMS, and written documents to be prepared by an enterprise customer.

The business executives confirm the evidence information required by the financial institution output through the CMS program on the enterprise customer terminal 140 and provide evidence that the certificate should be issued from a third party (for example, the National Tax Service) If there is a document, the issuance interface for issuing the supporting document can be output to the enterprise customer terminal 140 through the CMS program, so that the company executives can select the issuing institution and documents and request the issuance do.

The financial institution server 145 may provide the banking service such as inquiry / transfer of funds to the enterprise customer terminal 140 installed with the CMS program through the server 100. In particular, according to the present invention, Such as a credit evaluation service, an audit service, a limit service, an extension service, or a new service.

The information providing server 150 is provided in a government agency (for example, the National Tax Service, the National Pension Management Corporation, the National Health Insurance Corporation, etc.) that issues a predetermined document to an individual or a corporation. Upon confirming the request for issuing the supporting document from the installed enterprise customer terminal 140, the issuing institution can confirm the issuance requested and issue the issuance process.

For example, the supporting documents issued by the information providing server 150 may include a standard financial statement certificate, a VAT tax standard certificate, a business registration certificate, a tax payment certificate, a certificate of dismissal, a proof of insurance premium, Certificate of Income Tax, Certificate of Income Tax, Certificate of Standard Taxation Standard, Confirmation of the Number of Employees at All Time, Land / Building And a certified copy of the registration.

1, the server 100 includes a CMS processing unit 105, a proof of identity information request unit 110, a verifying document issuing determination unit 115, a verifying document issuance processing unit 120, ), A provisional data providing unit (130), and a storage medium (135).

1, the server 100 is provided as a separate server between the financial institution server 145 and the enterprise customer terminal 140, but the server 100 may be provided in the financial institution server 145 Or may be configured to be provided within the server of the enterprise customer.

The CMS processing unit 105 of the server 100 can perform business operations such as inquiry of a financial customer of an enterprise customer, transfer of money, transfer of money, credit transaction, B2B transaction, virtual account, retirement pension, .

The proof data information requesting unit 110 confirms whether there is a request for at least one piece of the proof data information required for the financial service related to the business customer from the financial institution server 145, and if there is a request for the proof data data, And provides it to the enterprise customer terminal 140 through the CMS program so that the enterprise customer can recognize it.

Here, the evidence information may include a third entity that the financial institution server 145 can actually receive from the enterprise customer in the process of providing the CMS (Cash Management Service) , Proofs accumulated or stored using the CMS, and written documents to be prepared by the enterprise customer.

For example, when the enterprise customer is a credit customer of a financial institution having the financial institution server 145, the financial institution may request a proof of the VAT levy standard of the enterprise customer in the process of conducting the credit check of the enterprise customer .

In addition, when the evidence information is requested from the financial institution server 145, the evidence data information request unit 110 automatically drives the CMS program installed in the enterprise customer terminal 140, To the enterprise customers.

In addition, when the evidence information is requested from the financial institution server 145, the proof data information request unit 110 may request the proof data from the financial institution server 145 at the time when the CMS program installed in the enterprise customer terminal 140 is activated To the enterprise customers.

When the evidence information is requested from the financial institution server 145, the evidence information request unit 110 notifies the registered mobile phone number of the enterprise customer that the requested evidence information is present, And allow the enterprise customer to execute the CMS program for further confirmation.

If it is confirmed that the financial institution requests the financial institution to provide the evidence to the enterprise customer through the evidence information requesting unit 110, It is determined whether the issuing behavior of the enterprise customer is required because there is supporting document issued from the institution.

The provisional document issuance determination unit 115 can provide the contents of the supporting document and information on the issuing institution to the enterprise customer terminal 140 through the CMS program.

For example, if the VAT information includes the VAT assessment standard certificate of the enterprise customer, the verification document issuance determination unit 115 identifies an organization (for example, the National Tax Service (Home Tax)) that issues the VAT tax standard certificate The identified issuer can be informed to the enterprise customer through the CMS program.

If it is determined that the document to be issued by the third party is received from the third party through the document issuance decision section 115, the document issuance processing section 120 issues a document for issuing the necessary documents from the third party And provides the interface to the enterprise customer terminal 140 through the CMS program.

For example, through the issuing interface, an enterprise customer can check a business registration number, a name, a representative name, a telephone number, an issuance type, an e-mail, a usage purpose, a presentation place, , Some check information may be automatically entered through the CMS program (e.g., name, business registration number, etc.).

If the issuance interface of the enterprise customer is checked through the issuance interface, the document issuance processing unit 120 requests the issuance of the document by the issuance institution.

In addition, the document issuance processing unit 120 periodically monitors whether the document issued by the issuer is issued after the document issuance application is issued. If the issuance is confirmed, the issuance certificate issuance processing unit 120 provides the issuance information to the corporate customer terminal 140 through the CMS program So that it can be recognized by enterprise customers.

According to another embodiment of the present invention, the document issuance processing unit 120 interoperates with each document issuance site so that the enterprise customer can directly apply at the document issuance site of the institution, It can be automatically connected to the issuing site.

According to the embodiment of the present invention, when the enterprise customer has applied for document issuance in several places, the document issuance processing unit 120 generates an issuance inquiry list by real-time scraping of issuance of the issuance, To the customer terminal (140).

When the issuance of the document to be issued by the enterprise customer is completed through the document issuance processing unit 120, the document generator 125 may generate the document information including the issued document.

Here, the proof-of-materials generating unit 125 may use the proof-of-document itself as the proof-of-proof information, or may generate the proof-of-proof information attached with the proof-of-claim, (Extracted or verified) the content of the document to generate the evidence information.

In addition, the proof data generating unit 125 may generate the proof data using the deposit / payment data and the financial data of the corporate customer accumulated through the CMS (Cash Management Service) provided by the server 100 have.

For example, the enterprise customer executes the CMS program installed in the enterprise customer terminal 140, confirms the completion of issuance of the supporting document, selects the menu for generating the requested supporting information from the financial institution server 145, And automatically generates the evidence information including the proof-of-issue document through the CMS program.

The evidence data providing unit 130 may provide the generated evidence data to the financial institution server 145 when the evidence data is generated through the proof data generation unit 125. [

FIG. 2 is a diagram illustrating a service providing process of a corporate finance service using MRMS according to an embodiment of the present invention.

FIG. 2 shows in detail a server 200 providing a CMS (Cash Management Service) to an enterprise customer in cooperation with a financial institution server in the corporate financial transaction processing service providing system shown in FIG. 1, 145) through the CMS program installed in the enterprise customer terminal (140) for providing at least one piece of evidence information of the enterprise customer required for the financial service, and a proof sheet It is possible to obtain the document of the enterprise customer from the server of the third institution (information providing server 150) via the CMS program installed in the enterprise customer terminal 140, 140 to the enterprise customer via the CMS program or the evidence document information including the evidence document, And a process of providing a corporate financial transaction processing service using the MR to be provided to the financial institution server 145. Those skilled in the art will be able to refer to FIG. 2 and / However, it should be understood that the present invention is not limited to the embodiments shown in the accompanying drawings, but may be embodied in various forms without departing from the spirit or scope of the invention. Technical features are not limited.

Referring to FIG. 2, a process of providing a service for processing a corporate financial transaction using MRMS shown in FIG. 1 is performed by a server 100 providing a CMS (Cash Management Service) to an enterprise customer terminal 140, (200) from the process of confirming a request for one or more pieces of evidence information needed for a financial service associated with an enterprise customer.

The server 100 provides the confirmed evidence information through the CMS program installed in the enterprise client terminal 140 so that the enterprise client can recognize the server information.

In step 210, the server 100 determines whether there is a document to be issued from the third institution among the one or more pieces of evidence information provided to the enterprise customer terminal 140 through the CMS program.

If there is a document to be issued from the third institution, the server 100 generates an interface for issuing the supporting document and outputs it through the CMS program (215).

At this time, the server 100 provides information on the personalization agent and the issuance document to the enterprise customer terminal 140 through the CMS program so that the enterprise client can clearly recognize the issuance document and the issuing institution can do.

If the document issuer and the document to be issued are checked in the issuance interface 220, the server 100 confirms the checked item and requests the document issuance by checking the checked document 225).

The server 100 periodically checks whether or not the issuance of the issuance request document is issued (230), and may provide the issuance information to the enterprise customer terminal 140 through the CMS program.

If one or more issued documents are identified, the server 100 scrapes (235) one or more supporting documents required to generate the requested supporting information from the financial institution server 145, and uses the scraped supporting documents And generates the evidence information (240).

Then, the server 100 provides the generated evidence information to the financial institution server 145, thereby terminating the provision of the corporate financial transaction processing service using the MRS.

FIG. 3 is a diagram illustrating a process of providing a service for processing an enterprise financial transaction using MR according to another embodiment of the present invention.

In more detail, FIG. 3 includes a document to be issued by a third party among the document information of an enterprise customer requested by the financial institution server 145 in the process of providing the service for processing a corporate financial transaction in FIG. 2 When the accumulated or accumulated money management data is required in the process of using the cash management service (CMS), the financial institution server 145 generates and provides the requested proof data information by using it. Those skilled in the art will be able to refer to and modify various aspects of the process of providing a business transaction service using the MRS, The invention includes all of the above-described inferred embodiments, and the technical features Is not limited.

Referring to FIG. 3, in the process of FIG. 2, a server 100 that provides a cash management service (CMS) to an enterprise customer terminal 140 receives from the financial institution server 145 the necessary information And a server for providing the identified evidence information through the CMS program installed in the enterprise customer terminal 140 and for providing the one or more proofs provided to the enterprise client terminal 140 through the CMS program, There is no document to be issued from the third organization out of the information.

In particular, FIG. 3 illustrates a process in which an enterprise customer is provided with a cash management service (CMS) from the server 100, and accumulated and accumulated money management data is utilized as evidence information.

The server 100 generates an interface for issuing the supporting document and outputs the generated interface through the CMS program (300).

At this time, the server 100 may provide information on documents or data that can be utilized as proof data or included in the proof data together with the corporate customer terminal 140 through the CMS program, So that the requesting certification information can be clearly recognized.

The server 100 can confirm whether the accumulated money and the accumulated money management data are necessary while receiving the cash management service (CMS) 305. If it is determined that the fund management data is needed, (310) the CMS cumulative fund management data necessary for the generation of the requested evidence information in step (145).

The financial institution server 145 generates and stores the requested proof information from the financial institution server 145 by using or including the confirmed CMS cumulative funds management data (step 315), and transmits the generated proof information to the financial institution server 145 The provision of the service for handling corporate financial affairs using the SM is terminated.

4A to 4E are diagrams illustrating exemplary service screens displayed through a CMS program according to an embodiment of the present invention.

FIGS. 4A to 4E are diagrams illustrating an example of a screen for collecting evidence documents related to various financial services requested by a financial institution and processing the presentation documents by utilizing a cash management service (CMS) used by an enterprise customer If a person skilled in the art is familiar with the present invention, referring to and / or modified from FIGS. 4a to 4e, various methods of providing a service for providing a corporate finance service using the MRS can be inferred However, the present invention is not limited to the technical features of the present invention.

4A is an exemplary view of a issuance screen of an evidential document requested by a financial institution from a third institution through a CMS (Cash Management Service) program installed in the enterprise customer terminal 140. FIG. In particular, issuance of the supporting document can be menuized as an additional function of the CMS and loaded into the CMS program.

FIG. 4B is an exemplary diagram illustrating a screen for requesting issuance of a document requested by a financial institution from a third institution through a CMS (Cash Management Service) program installed in the enterprise customer terminal 140. That is, the enterprise customer accesses the site of the issuer in the past, receives the issuance, and provides it to the financial institution by mail or scan. However, according to the present invention, the issuer can easily issue the CMS program through the existing CMS program.

FIG. 4c is an exemplary screen for monitoring the issuance of the issuance of the one or more supporting documents through the FIG. 4b and inquiring the issuance process progress result after monitoring the issuance of the requested supporting documents.

FIG. 4D is an exemplary screen for scrolling through the issuance process result through the process of FIG. 4C, selecting the corresponding issuance document, and confirming the contents thereof.

FIG. 4E is a screen example of generating evidence information to be provided to the financial institution server 145 using the proof sheet issued through FIG. 4D and providing the generated evidence information to the financial institution server 145 to be.

100: server 105: CMS processor
110: Evidence document information requesting unit 115: Evidence document issuing judging unit
120: Proof document issuance processing unit 125:
130: Provision of evidence data 135: Storage medium
140: Enterprise customer terminal 145: Financial institution server
150: Information providing server

Claims (5)

A method for providing a corporate finance service processing service executed by a server that provides a cash management service (CMS) to an enterprise customer in cooperation with a financial institution server,
A first step of processing at least one piece of evidence information of the enterprise customer required for a financial service from a financial institution server to provide the at least one piece of evidence information through a CMS program installed in the terminal of the enterprise customer;
A second step of confirming whether the document to be issued from the third institution is included in the provided evidence information;
In association with the server of the third institution, monitors the issuance of one or more supporting documents corresponding to the issuance request information inputted through the issuing interface outputted for issuance of the supporting document through the CMS program, A third step of outputting through the CMS program; And
And a fourth step of receiving, from the terminal of the enterprise client, the supporting document issued to the enterprise customer through the CMS program or the supporting document information including the supporting document,
The financial service,
A credit evaluation service, an audit service, a limit service, an extension service, and a new service for a corporate customer. delete The information processing apparatus according to claim 1,
A method for providing a service for processing a corporate financial transaction using MRS, characterized by comprising at least one document to be issued from a third institution, a cumulative or stored document using the CMS, and a document to be prepared by an enterprise customer . delete The method as claimed in claim 1,
Extracting or confirming data necessary for the financial service from the supporting document issued from the server of the third institution;
And generating evidence information to be provided to the financial institution server on the basis of the extracted or verified data.

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