KR102244727B1 - System and method for chechking business-to-business transactions and computer program for the same - Google Patents

Abstract

The B2B (Business-to-Business) transaction inquiry system includes: an input unit configured to receive identification information related to a B2B sales product of a financial institution and information on an inquiry essential item for inquiring financial information of the B2B sales product; A scraping unit configured to receive financial information of the B2B sales product from a financial institution server in a scraping method using the inquiry essential item information; A storage unit configured to store metadata defining an inquiry essential item corresponding to the B2B sales product and financial information of the B2B sales product scraped by the scraping unit; And an inquiry unit configured to provide the user with financial information of the B2B sales product stored in the storage unit. The input unit uses the metadata to provide the user with an input screen generated by using the inquiry essential item corresponding to the B2B sales product identified by the identification information to receive the inquiry essential item information from the user. More structured. The B2B transaction inquiry system dynamically configures the registration process of identification information for receiving B2B sales product information and the input process of inquiry required items using metadata, and the business person in charge is the B2B sales product of all financial institutions owned by the company. You can search the latest financial information on a single screen through the B2B transaction inquiry system without logging in to individual financial institutions.

Description

B2B transaction inquiry system and method and computer program therefor {SYSTEM AND METHOD FOR CHECHKING BUSINESS-TO-BUSINESS TRANSACTIONS AND COMPUTER PROGRAM FOR THE SAME}

The embodiments relate to a business-to-business (B2B) transaction inquiry system and method and a computer program therefor, and more specifically, a B2B sales product in which a financial institution provides a payment guarantee to a selling company on behalf of a purchasing company. It is about a technology that allows you to search by integrating the transaction status.

Business-to-business (B2B) work, in a broad sense, refers to a business model based on transactions between a company and a company. B2B business involves the issuance, receipt, and settlement of B2B electronic payment means for the payment of goods or services between the purchasing company and the selling company accompanying business-to-business transactions. It involves business, and the business of borrowing funds from banks with the means of transactions issued by the selling and purchasing companies as collateral. In the meaning of consultation, B2B service refers to a B2B electronic payment settlement service in which payments between companies are made electronically.

As a financial product related to B2B business, there is a so-called B2B sales product in which a bank guarantees payment to a seller on behalf of a purchasing company for business-to-business transactions. In the case of using B2B sales products, the sales company can secure the sales amount in advance through the payment guarantee of the bank, so there is an advantage of being able to adjust the timing when the sales price can be converted into cash at the will of the sales company. It has increased in various forms and continues to expand.

For companies that use B2B sales products, whether or not B2B products can be discounted, balance available for discount, and expiration date are essential financial information for the company's business activities. Conventionally, in order to inquire financial information related to B2B sales products, a business person in charge had to access the Internet banking web page for each bank and enter different inquiry required items required for each bank and/or product. In this case, the person in charge of the business There is a problem that it is not easy to memorize each inquiry required item. In addition, even for products of the same type, terms for items used for each bank may be different, which increases the burden on the person in charge of the business.

On the other hand, scraping refers to a technology in which the system automatically performs an access and authentication process on behalf of the user to obtain necessary information.In particular, it automatically accesses the system to display the data on the screen, and then extracts and retrieves only the necessary data. There is a screen scraping technique that comes. Screen scraping technology has been common in the United States since the end of the 1990s, and in Korea, Finger, founded in 2000, first developed this technology and started financial services, and has been used mainly by financial institutions. For example, Korean Patent Publication No. 10-1666083 discloses a technology for scraping sales-related information of a company corresponding to a sales member in an open market server.

However, until now, there are no examples of scraping technology applied to companies to manage financial information related to B2B sales products.

Registered Patent Publication No. 10-1666083

According to an aspect of the present invention, when a financial institution searches business-to-business (B2B) sales product-related information that provides a payment guarantee to a selling company on behalf of a purchasing company, different inquiry required items for each financial institution and/or product By standardizing, it is possible to provide a B2B transaction inquiry system and method and a computer program for it so that B2B sales products can be managed in a company's internal system.

A business-to-business (B2B) transaction inquiry system according to an embodiment includes: an input unit configured to receive identification information related to a B2B sales product of a financial institution and information on an inquiry essential item for inquiring financial information of the B2B sales product; A scraping unit configured to receive financial information of the B2B sales product from a financial institution server in a scraping method using the inquiry essential item information; A storage unit configured to store metadata defining an inquiry essential item corresponding to the B2B sales product and financial information of the B2B sales product scraped by the scraping unit; And an inquiry unit configured to provide the user with financial information of the B2B sales product stored in the storage unit.

The input unit uses the metadata to provide the user with an input screen generated by using the inquiry essential item corresponding to the B2B sales product identified by the identification information to receive the inquiry essential item information from the user. More structured.

In one embodiment, the inquiry required item information includes a plurality of inquiry required item information related to a plurality of different B2B sales products, and the scraping unit uses the plurality of inquiry required item information, and a plurality of different financial items It is further configured to scrape the financial information of each B2B sales product from the institutional server.

In one embodiment, the inquiry unit is further configured to provide the financial information of the B2B sales product scraped from the plurality of financial institution servers to the user through one screen.

In one embodiment, the metadata is a string consisting of a plurality of digits respectively corresponding to a plurality of preset input items, and values of each of the plurality of digits based on whether the input item corresponding to the digit is a mandatory input item. Is defined.

In one embodiment, the plurality of input items are certificate identification information, certificate password, certificate expiration date, user identification information, user password, product classification, purchase company name, inquiry start date, inquiry end date, contractor identification information, banking type information, transfer Includes at least one of password, account number, and secure media information.

The B2B transaction inquiry system according to an embodiment further includes a reporting unit configured to generate accounting information using financial information of the B2B sales product stored in the storage unit and transmit the accounting information to an accounting system of a company.

In one embodiment, the accounting information includes at least one of a trade receivable date, trade receivable details, a sales product expiration date, a discount available amount, a discount available date, and a discount balance.

A B2B transaction inquiry method according to an embodiment includes the steps of storing metadata defining an inquiry essential item corresponding to a B2B sales product of a financial institution in a B2B transaction inquiry system; Receiving, by the B2B transaction inquiry system, identification information related to the B2B sales product from a user; Providing, by the B2B transaction inquiry system, an input screen generated by using the required inquiry item corresponding to the B2B sales product identified by the identification information, to a user using the metadata; Receiving, by the B2B transaction inquiry system, information on required inquiry items for inquiring financial information of the B2B sales product from the user through the input screen; Receiving, by the B2B transaction inquiry system, financial information of the B2B sales product from a financial institution server in a scraping method using the inquiry essential item information; Storing the received financial information of the B2B sales product in the B2B transaction inquiry system; And providing financial information of the B2B sales product stored in the B2B transaction inquiry system to the user.

In one embodiment, the inquiry essential item information includes a plurality of inquiry essential item information related to a plurality of different B2B sales products, and receiving financial information of the B2B sales product includes the plurality of inquiry essential item information And scraping financial information of each B2B sales product from a plurality of financial institution servers different from each other.

In one embodiment, the providing of the financial information of the B2B sales product to the user includes, by the B2B transaction inquiry system, the financial information of the B2B sales product scraped from the plurality of financial institution servers through one screen. And providing to the user.

A B2B transaction inquiry method according to an embodiment includes the steps of, by the B2B transaction inquiry system, generating accounting information using financial information of the B2B sales product stored in the B2B transaction inquiry system; And transmitting, by the B2B transaction inquiry system, the accounting information to an accounting system of an enterprise.

A computer program according to an embodiment is for executing the B2B transaction inquiry method according to the above-described embodiments by being combined with hardware, and may be stored in a computer-readable recording medium.

Conventionally, business managers of companies using business-to-business (B2B) sales products, where financial institutions provide payment guarantees to sales companies on behalf of the purchasing companies, log in to the financial institution whenever necessary to check the status of product sales. Therefore, it was necessary to check the status of each individual product.

On the other hand, according to the B2B transaction inquiry system and method according to an aspect of the present invention, the registration process of identification information for receiving B2B sales product information and the input process of inquiry essential items are dynamically configured using metadata. , The person in charge of the business can search the latest financial information on the B2B sales products of all financial institutions owned by the company on one screen through the B2B transaction inquiry system without logging in to individual financial institutions.

In addition, according to the B2B transaction inquiry system and method according to an aspect of the present invention, when necessary, a business person in charge relays sales product information to a company's internal system (eg, an accounting system or an enterprise resource planning (ERP) system). Conventionally, a business person in charge must manually input the accounting for sales into the company's internal system after checking financial information at a bank, etc. However, if the B2B transaction inquiry system according to an aspect of the present invention is used, sales By linking the details, it is possible to reduce the manual work of the person in charge of the business and eliminate the concern of errors or omissions caused by manual work.

Therefore, by using the B2B transaction inquiry system and method according to an aspect of the present invention, the management of the company and the financial department can predict the future cash flow of the company through the relayed B2B sales product maturity information. There is an advantage of using this information to improve the cash flow of a company through endorsements, etc.

1 is a schematic block diagram of a business-to-business (B2B) transaction inquiry system according to an embodiment.
2 is a flowchart of a B2B transaction inquiry method according to an embodiment.
3 is a conceptual diagram illustrating an example of an input screen of identification information in a B2B transaction inquiry system according to an embodiment.
4A and 4B are conceptual diagrams illustrating an example of an input screen of an inquiry essential item in a B2B transaction inquiry system according to an embodiment.
5 is a conceptual diagram illustrating an example of an integrated inquiry screen by a B2B transaction inquiry system according to an embodiment.
6 is a conceptual diagram illustrating an interworking between a B2B transaction inquiry system and an enterprise accounting system according to an embodiment.
7 is a conceptual diagram illustrating an example of a cash flow report generated by a B2B transaction inquiry system according to an embodiment.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the drawings.

1 is a schematic block diagram of a business-to-business (B2B) transaction inquiry system according to an embodiment.

Referring to FIG. 1, the B2B transaction inquiry system 3 according to the present embodiment is configured to operate while communicating with one or more user devices 1 and 2 of a user using the B2B transaction inquiry system 3. In addition, the B2B transaction inquiry system 3 is configured to operate while communicating with the financial institution server 4 for inquiry of financial information related to B2B sales products. Furthermore, the B2B transaction inquiry system 3 may communicate and operate with an accounting system 5 such as an enterprise resource planning (ERP) system for functions such as linking accounting slips.

The communication process between the B2B transaction inquiry system 3 and the user devices 1 and 2 or the external servers 4 and 5 is performed through a wired and/or wireless network. The communication method through a wired and/or wireless network may include all communication methods that can be networked between the object and the object, and is not limited to wired communication, wireless communication, 3G, 4G, or other methods. For example, wired and/or wireless networks include Local Area Network (LAN), Metropolitan Area Network (MAN), Global System for Mobile Network (GSM), Enhanced Data GSM Environment (EDGE), and High Speed Downlink Packet Access (HSDPA). , W-CDMA (Wideband Code Division Multiple Access), CDMA (Code Division Multiple Access), TDMA (Time Division Multiple Access), Bluetooth, Zigbee, Wi-Fi, VoIP (Voice) over Internet Protocol), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced, HSPA+, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB (formerly EV-DO Rev. C), Flash-OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), Wi-MAX (World Interoperability for Microwave Access), and ultrasonic communication. However, it is not limited thereto.

In one embodiment, the B2B transaction inquiry system 3 includes an input unit 31, a storage unit 32, a scraping unit 33, and an inquiry unit 34. The storage unit 32 may include a metadata database (DB) 321 and a financial information DB 322 according to the type of information to be stored. In addition, in an embodiment, the B2B transaction inquiry system 3 may further include a reporting unit 35.

The system, user device, and server according to the embodiments may have an aspect that is entirely hardware, or partially hardware and partially software. For example, each unit included in the B2B transaction inquiry system 3 may collectively refer to hardware and related software for processing data of a specific format and content or/or sending and receiving data in an electronic communication method. In this specification, terms such as "unit", "module", "device", "terminal", "server" or "system" are intended to refer to a combination of hardware and software driven by the hardware. For example, the hardware may be a data processing device including a CPU or other processor. In addition, software driven by hardware may refer to an executing process, an object, an executable file, a thread of execution, a program, and the like.

Each element constituting the B2B transaction inquiry system 3 according to the present embodiment is not necessarily intended to refer to separate devices that are physically separated from each other. That is, the input unit 31, the storage unit 32, the scraping unit 33, the inquiry unit 34, and the reporting unit 35 of FIG. 1 use the hardware constituting the B2B transaction inquiry system 3 by the corresponding hardware. It is only functionally classified according to the operation to be performed, and each part is not necessarily provided independently of each other. Of course, depending on the embodiment, one or more of the input unit 31, the storage unit 32, the scraping unit 33, the inquiry unit 34, and the reporting unit 35 are implemented as separate devices that are physically separated from each other. It is also possible.

Business managers of companies using so-called B2B sales products, where financial institutions provide payment guarantees to sales companies on behalf of the purchasing companies, communicate with the B2B transaction inquiry system (3) by using user devices (1, 2) to provide B2B sales products. You can search financial information related to. For example, the financial institution described in this specification may include a credit card company, a bank, an IRS, an e-receipt business, and the like, and the business person in charge of the company may be a person in charge of the company's finance team or sales team, but is not limited thereto. In addition, the financial information related to the B2B sales product may be information including at least one of a discount availability of the B2B sales product, a discountable balance, and an expiration date.

The B2B transaction inquiry system 3 receives necessary financial information from the financial institution server 4 in a scraping method based on the inquiry essential item information input by the user, processes it, and stores it in the B2B transaction inquiry system 3. Inquiry required items for inquiring financial information of B2B sales products are set for each financial institution and/or for each product. The user searches the information stored in the B2B transaction inquiry system (3) by automated scraping, so that the status of a number of B2B sales products operated by various financial institutions can be collectively inquired through the B2B transaction inquiry system (3). have. In the drawings, for convenience of explanation, the financial institution server 4 and the corporate accounting system 5 are each illustrated as one device, but this may collectively refer to a plurality of different institutions or systems of institutions.

In addition, in the drawing, the user devices 1 and 2 are shown in the form of a notebook computer, respectively. However, this is an example and does not limit the shape of the user devices 1 and 2, and the user devices 1 and 2 are mobile communication terminals such as smartphones, personal computers, and personal digital assistants (PDAs). It may be implemented in the form of an arbitrary computing device, such as a digital assistant, a tablet, or a set-top box for an Internet Protocol Television (IPTV). In addition, the number of users who can use the B2B transaction inquiry system 3 according to the embodiments is also not limited by the number of user devices 1 and 2 shown in the drawings.

In one embodiment, the B2B transaction inquiry system 3 at least partially communicates with an application (or app) running on the user devices 1 and 2, thereby enabling the function of the application to be performed. Perform. Or/In addition, the B2B transaction inquiry system 3 is a web server that provides a predetermined web page that can be accessed through a web browser or the like that is at least partially executed on the user devices 1 and 2 ( web server).

Meanwhile, in another embodiment, the B2B transaction inquiry system 3 itself may be implemented in the form of a user device. For example, the user device itself on which the application (or app) for B2B transaction inquiry is executed may be the B2B transaction inquiry system 3 according to the embodiments. In this case, since the user does not need a separate device to use the B2B transaction inquiry system 3, the user devices 1 and 2 shown in FIG. 1 may be omitted.

The input unit 31 receives identification information related to a B2B sales product of a financial institution and information on an inquiry essential item for inquiring financial information of the B2B sales product from a user. When the B2B transaction inquiry system 3 is implemented in the form of a user device, the user can directly input the identification information and the inquiry essential item information into the B2B transaction inquiry system 3. Alternatively, when the B2B transaction inquiry system 3 is implemented in the form of a server that can be accessed from the user devices 1 and 2, the B2B transaction inquiry system 3 stores identification information and information on required inquiry items to the user devices 1 and 2 ).

The scraping unit 33 is configured to receive financial information of B2B sales products from a financial institution server in a scraping method using information on required inquiry items. In order to automatically collect necessary information by scraping, the information required for inquiry includes authentication information of the company (eg, ID, password, public authentication information, etc.), and the scraping unit 33 uses this authentication information to finance It is possible to log in to the institution server 4 and collect necessary items among the information provided by the financial institution server 4 by a scraping method.

In the metadata DB 321 of the storage unit 32, metadata defining the inquiry essential items corresponding to the B2B sales product is stored. In addition, financial information of the B2B sales product scraped by the scraping unit 33 is stored in the financial information DB 322 of the storage unit 32. The metadata of the metadata DB 321 is used to dynamically configure the input screen differently for each product when the user inputs information on the inquiry essential item to the input unit 31, which will be described in detail later. The financial information DB 322 may process and store financial information of B2B sales products into information that can be recognized by the B2B transaction inquiry system 3.

The inquiry unit 34 may provide financial information of the B2B sales product stored in the storage unit 32 to the user. When the B2B transaction inquiry system 3 is implemented in the form of a user device, the inquiry unit 34 may provide the financial information of the B2B sales product to the user in the form of displaying it on a display unit (not shown) of the user device. Alternatively, when the B2B transaction inquiry system 3 is implemented in the form of a server accessible from the user devices 1 and 2, the B2B transaction inquiry system 3 retrieves the financial information of the B2B sales product stored in the storage unit 32. It can also be transmitted to user devices 1 and 2.

The reporting unit 35 may generate accounting information using the financial information of the B2B sales product stored in the storage unit 32 and transmit the accounting information to the accounting system 5 of the company. For example, the accounting information may include information such as trade receivable date, trade receivable details, sales product expiration date, discount available amount, discount available date and/or discount balance. The business manager of the company can process the document based on the relayed accounting information, which can be used for the purpose of forecasting the future cash flow of the company or improving cash flow.

2 is a flowchart of a B2B transaction inquiry method according to an embodiment. For convenience of explanation, a B2B transaction inquiry method according to the present embodiment will be described with reference to FIGS. 1 and 2.

First, it is possible to store the metadata defining the inquiry essential items of the B2B sales product in the metadata DB 321 of the storage unit 32 (S1). In order to access the financial institution server (4) and search the information of B2B sales products, the certificate identification information of the company that has subscribed to the product (eg, certification institution name, certificate name, USB pin number, etc.), certificate password, certificate expiration date, user identification Information, user password, etc. may be required, and product classification related to the B2B sales product to be viewed, name of the purchaser, inquiry start date, inquiry end date, contractor identification information, banking type information, transfer password, account number, and security media information (e.g. , USB or OTP, etc.) is required, and the metadata is to define the identification information required for receiving B2B sales product information for each product as required by the financial institution server 4. The format of the metadata will be described later.

In addition, a person in charge of a financial team or a sales team of a company may input identification information of the B2B sales product to be inquired into the input unit 31 (S2).

3 is a conceptual diagram illustrating an example of an input screen of identification information in a B2B transaction inquiry system according to an embodiment.

3, the user receives a financial institution code, Internet banking type, product classification, inquiry date classification, product classification, institution name, inquiry information, institution name, main contractor business number, institutional name, sub-contractor business number, institutional name, discount available amount B2B sales products for which information is to be searched can be defined by entering whether or not, banking path, etc. In FIG. 3, the B2B inquiry parameter defines information required to inquire information on the corresponding B2B sales product, and refers to the metadata described above.

In the screen shown in FIG. 3, metadata, that is, a B2B inquiry parameter, may be input by the user, or a method of calling the corresponding metadata from the metadata DB 321 based on other identification information input by the user. It can also be entered as. As shown in Fig. 3, metadata is a string consisting of a plurality of digits respectively corresponding to a plurality of preset input items, and the value of each digit is based on whether the corresponding input item is a mandatory input item. Can be determined.

For example, the metadata may be a code having 20 digits as described in Table 1 below.

Metadata Input item Remark 2 Account information Certificate name, USB pin number 2 Account information2 Web ID 2 Additional Account Information Certification institution name 2 Additional Account Information 2 Certificate expiration date 2 Account password Certificate password 2 Account password2 User password One Product classification 0 Purchaser name One Start date of inquiry YYYYMMDD format One Inquiry end date YYYYMMDD format One Subcontractor business number 0 Main contractor business number 2 Banking type 0 Transfer password 0 Account Number 0 Security media 0: USB, 1: OTP 0 Branch business number 2 Inquiry Category 1 0 Inquiry Category 2 2 Inquiry Category 3

In the code shown in Table 1, a value of 0 for each digit indicates that the corresponding input item is not required when searching B2B sales product information, and a value of 1 for each digit indicates that the corresponding input item is a required input item. , When the value of each digit is 2, it indicates an optional input item, that is, an input item used as an inquiry condition when the corresponding content is not an essential input item but is input. That is, the metadata illustrated in Table 1 is a 20-digit code having a value of "22222210111020000202". However, this is exemplary, and the number of digits of the metadata or the value and meaning of each digit are not limited to those described above.

Inquiry categories 1 to 3 in Table 1 represent detailed inquiry categories of B2B sales products, and input items corresponding to purchase and sales categories, detailed item categories, detailed product codes, detailed product names, etc., as exemplarily shown in Table 2 below. Can be

Bank
code Banking
Kinds product
division income outcome
division Details
division Detailed product
code Details Print
order 10000081 One 6-2 AR One 00 all 0 10000081 One 6-2 AR One 03 Loans secured by accounts receivable One 10000081 One 6-2 AR One 05 e-safe factoring 2 10000081 One 6-2 AR One 07 Future bond secured loan public procurement theory 3 10000081 One 6-2 AR One 09 Electronic bonds 4 10000081 One 6-2 AR One 12 Shared Growth Theory (General) 5 10000081 One 6-2 AR One 13 Theory of Shared Growth (Cooperation) 6 10000081 One 6-2 AR One 50 Accounts Receivable 7 One Basic inquiry 0 2 Detailed inquiry screen One

The output order of Table 2 refers to the order of output of each item in the list when items to be inputted from a user are displayed in a list form, such as a combo box. It will be readily understood by those skilled in the art that the specific code values, detailed product names, and the like described in Table 2 are merely exemplary, and do not limit the scope of the embodiments of the present invention.

Meanwhile, in the identification information of the input screen shown in FIG. 3, the inquiry date classification may be defined by the table of Table 3 below.

Inquiry date classification Inquiry Date Classification Start inquiry period End inquiry period 0 Inquiry period -3 3 One Date of receipt -3 0 2 Expiration date 0 6 3 Purchase date -3 0 4 Information provided -3 0 5 Transaction approval date -3 0 6 Request date -3 0 7 Expected deposit date 0 3 8 Payment date 0 6 9 Date of receipt of goods 0 6 A Approval date -3 0 B Collection request date -3 0 C Issue date -3 0 D Date of presentation -3 0 E Issuance request date -3 0 F registration date -3 0 G Date of receipt -3 0 H Bond issuance date -3 0 I Bond registration date -3 0 J Contract date -3 0 L Date of execution -3 0 M Payment date 0 3 N Loan execution date -3 0 O Purchase date -3 0 P Order date -3 0 Q Endorsement date -3 0

In Table 3, the start inquiry period and the end inquiry period refer to the basic inquiry period for each B2B sales product, and the numbers of the starting inquiry period and the ending inquiry period indicate the time difference from the inquiry time based on the present in months. In other words, when the start inquiry period is -3 and the end inquiry period is 3, it means that the inquiry period is from 3 months before to 3 months after the current point in time. However, this is exemplary, and it is also possible for the inquiry period to be defined in other different ways.

Next, the input unit 31 composes an input screen for receiving input from the user, and presents it to the user (S3). Presenting the input screen to the user may mean displaying the screen on the display unit (not shown) of the user device when the B2B transaction inquiry system 3 is implemented in the form of a user device, or, a B2B transaction inquiry system If (3) is implemented in the form of a server that can be accessed from the user devices (1, 2), the information is sent to the user device to display such a screen on the user devices (1, 2) connected to the B2B transaction inquiry system (3). It can also mean sending to (1, 2).

In this case, the input screen for receiving the information on the inquiry essential item is dynamically configured differently for each B2B sales product using the above-described identification information of the B2B sales product and corresponding metadata.

4A and 4B are conceptual diagrams illustrating an example of an input screen of an inquiry essential item in a B2B transaction inquiry system according to an embodiment. FIG. 4A shows an input screen corresponding to a basic design screen of a program, and FIG. 4B shows metadata. Shows the input screen created by expressing the input item based on it. As shown, by configuring the input items constituting the input screen differently according to the B2B sales product to be searched based on metadata, it is easy for the user to recognize what essential search items required for inquiry and to input them. can do.

The input unit 31 may receive essential inquiry item information from a user through an input screen as shown in FIGS. 4A and 4B (S4). This may mean receiving a key input directly from the user when the B2B transaction inquiry system 3 is implemented in the form of a user device, or the B2B transaction inquiry system 3 is accessible from the user devices 1 and 2 When implemented in the form of a server, it may mean that the B2B transaction inquiry system 3 receives essential inquiry item information from the user devices 1 and 2 through a network communication method.

The scraping unit 33 may scrape the financial information of the B2B sales product from the financial institution server 4 by using the required inquiry item information input to the input unit 31 (S5). Any scraping technique known or developed in the future of the scraping method may be used, and detailed descriptions of the scraping process will be omitted in order to clarify the gist of the invention.

In addition, the scraping unit 33 may process financial information of the scraped B2B sales product and store it in the financial information DB 322 of the storage unit 32 (S6). In this case, the processing of financial information refers to converting financial information received in a different form for each bank into information that can be recognized by the B2B transaction inquiry system 3 according to the embodiments.

The inquiry unit 34 may provide a user with an integrated inquiry screen of B2B sales product financial information stored in the storage unit 32 (S7). This is similar to the above-described input screen, when the B2B transaction inquiry system 3 is implemented in the form of a user device, the screen is displayed on the display unit (not shown) of the user device, or the B2B transaction inquiry system 3 implemented in a server form. ) May mean transmitting information to the user devices 1 and 2 so that they output such a screen on the user devices 1 and 2.

5 is a conceptual diagram illustrating an example of an integrated inquiry screen by a B2B transaction inquiry system according to an embodiment.

Referring to FIG. 5, the B2B transaction inquiry system according to the embodiments enables integrated inquiry on the status of all B2B sales products designated by a company in a single screen irrespective of the financial institution operating the product. At this time, the sales product status means information such as purchaser information, subject type of B2B sales product (e.g., electronic bonds, electronic drafts, purchase loans, etc.), sales number, sales date, discount available date, maturity date, and sales amount. Can include.

In addition, the B2B transaction inquiry system according to the embodiments includes information on the sum of the sales details for each purchaser regardless of the type of financial institution for the B2B sales product, or the sum of the sales details by date regardless of the type of the purchaser. Statistical information such as information, sum of sales details by financial institution, or sum of sales details by type of sales product may be provided through the integrated inquiry screen.

In one embodiment, the reporting unit 35 may generate corporate accounting information using the B2B sales product financial information stored in the storage unit 32 (S8), and transmit the accounting information to the corporate accounting system 5 (S9). At this time, the accounting information may refer to any information necessary for the creation of an accounting slip among the information related to B2B sales products. For example, accounts receivable date, trade receivable details, sales product expiration date, discount available amount, discount available date, and / Or it may be a discount balance.

6 is a conceptual diagram illustrating an interworking between a B2B transaction inquiry system and an enterprise accounting system according to an embodiment.

6, a company may be in a state of being subscribed to the management products of a number of banks or financial institutions (4) such as the KFTC (41-4N), and the types of management products subscribed by the company are also purchase cards, credit sales. It can be different for bond-secured loans, purchaser money loans, and electronic drafts. At this time, the company's finance team or sales team person in charge (1, 2) collectively inquires information on B2B sales products distributed in financial institutions such as multiple banks or KFTC through the B2B transaction inquiry system 3 according to the embodiments. , It can be easily transferred to the company's accounting system (5).

On the other hand, in one embodiment, the accounting information generated by the reporting unit 35 and transmitted to the corporate accounting system 5 may be used to generate a cash flow report. 7 is a conceptual diagram showing an example of a cash flow report generated by the B2B transaction inquiry system according to an embodiment. Referring to FIG. 7, the cash flow report is based on the sales details described above in relation to the integrated inquiry screen of FIG. It may include information on the available funds of the company managed by the company's accounting system 5 together with statistical information about the company. The available fund information is managed by the accounting system 5 and may be managed for each account, for example, a temporary deposit account and a foreign currency account.

The business person in charge of the company can process the slip based on the cash flow report as shown in Fig.7, and the future cash of the company through information such as the account balance and sales details, the account, maturity date, discount available amount, and discount balance. You can predict the flow.

For example, when creating a document using the accounting system (5), the business person in charge of a company (1) debits the bill to be received when new B2B sales occur, and credits accounts receivable, or (2) At maturity, debit the usual deposit amount and credit the bill to be received, or (3) In the case of discount before maturity of B2B sales products, debit the amount of ordinary deposit, loss on sale of trade receivables and payment fees, etc. The journal entry can be processed by crediting or (4) debiting the accounts payable in case of receiving the endorsement of B2B sales, and crediting the bill to be received.

Alternatively, in one embodiment, the reporting unit 35 may directly generate the journal entry-processed in the manner of (1) to (4) described above, or may generate entry information to be included in the journal entry-processed document. . The slip entry information generated by the reporting unit 35 may include debit entries and credit entries determined by the principle of double-entry bookkeeping. For example, the entry for debit may include the subject and amount of new B2B sales products (see Fig. 5), the amount of expired B2B sales products that are usually entered in the form of deposits, B2B sales product discounts and payment fees, etc. Credit entry may include the amount of new B2B sales, subjects and amounts of expired B2B sales products, and subjects and amounts of discounted B2B sales products.

The reporting unit 35 may extract the above related information from the financial information stored in the financial information DB 322 of the storage unit 32, generate the slip entry information based on this, and transmit it to the accounting system 5 of the company. . According to this embodiment, the B2B transaction inquiry system automatically generates the entire document or a part of the document, and transmits it to the accounting system of the company, thereby facilitating the convenience of the person in charge of the business.

The operation by the B2B transaction inquiry method according to the above-described embodiments may be implemented at least partially as a computer program and recorded in a computer-readable recording medium. A program for implementing an operation by the B2B transaction inquiry method according to the embodiments is recorded, and the computer-readable recording medium includes all types of recording devices in which data that can be read by a computer is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tapes, floppy disks, and optical data storage devices. In addition, the computer-readable recording medium may be distributed over a computer system connected through a network, and computer-readable codes may be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing this embodiment may be easily understood by those of ordinary skill in the art to which this embodiment belongs.

The present invention described above has been described with reference to the embodiments shown in the drawings, but these are merely exemplary, and those of ordinary skill in the art will understand that various modifications and variations of the embodiments are possible therefrom. However, such a modification should be considered to be within the technical protection scope of the present invention. Therefore, the true technical scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (15)

As a B2B transaction inquiry system for inquiring information related to B2B sales products of financial institutions that a financial institution guarantees payment to a selling company on behalf of a purchasing company,
An input unit configured to receive identification information related to the B2B sales product and information on a search essential item for inquiring financial information of the B2B sales product, wherein the information on the inquiry essential item includes authentication information of the sales company;
Log in to the server of the financial institution using the information required for inquiry, and finance the B2B sales product including at least one of discount availability of the B2B sales product, the discountable balance, and expiration date from the financial institution server through a scraping method. A scraping unit configured to receive information;
A storage unit configured to store metadata corresponding to the B2B sales product and defining a pre-set inquiry essential item for the financial institution or the B2B sales product, and financial information of the B2B sales product scraped by the scraping unit; And
Including an inquiry unit configured to provide the user with financial information of the B2B sales product stored in the storage unit,
The metadata defines identification information necessary to receive the financial information of the B2B sales product from the financial institution server, and is different for each type of the B2B sales product, and a plurality of digits each corresponding to a plurality of preset input items. Is a string form consisting of, and a value of each of the plurality of digits is defined based on whether an input item corresponding to the digit is a mandatory input item,
The input unit is generated by using the required inquiry item corresponding to the B2B sales product identified by the identification information, using the metadata, and provides a different input screen for each type of the B2B sales product to the user. B2B transaction inquiry system further configured to receive the inquiry essential item information.
The method of claim 1,
The inquiry essential item information includes information on a plurality of inquiry essential items related to a plurality of different B2B sales products,
The scraping unit is a B2B transaction inquiry system further configured to scrape financial information of each B2B sales product from a plurality of different financial institution servers using the plurality of inquiry essential item information.
The method of claim 2,
The inquiry unit is a B2B transaction inquiry system further configured to provide financial information of B2B sales products scraped from the plurality of financial institution servers to a user through a single screen.
delete The method of claim 1,
The plurality of input items include certificate identification information, certificate password, certificate expiration date, user identification information, user password, product classification, purchase company name, inquiry start date, inquiry end date, contractor identification information, banking type information, transfer password, account number, and B2B transaction inquiry system including one or more of security media information.
The method of claim 1,
A B2B transaction inquiry system further comprising a reporting unit configured to generate accounting information using the financial information of the B2B sales product stored in the storage unit and transmit the accounting information to an accounting system of a company.
The method of claim 6,
The accounting information is a B2B transaction inquiry system that includes at least one of a trade receivable date, a trade receivable detail, a sales product expiration date, a discount available amount, a discount available date, and a discount balance.
As a B2B transaction inquiry method for inquiring information related to B2B sales products of financial institutions that a financial institution guarantees payment to a sales company on behalf of a purchasing company,
Storing metadata corresponding to the B2B sales product and defining pre-set inquiry essential items for the financial institution or the B2B sales product in a B2B transaction inquiry system;
Receiving, by the B2B transaction inquiry system, identification information related to the B2B sales product from a user;
Providing, by the B2B transaction inquiry system, an input screen generated by using the required inquiry item corresponding to the B2B sales product identified by the identification information, to a user using the metadata;
The B2B transaction inquiry system receives, through the input screen, information on a required inquiry item for inquiring financial information of the B2B sales product from the user, wherein the information on the required inquiry item includes authentication information of the selling company. Receiving the information on the inquiry essential item;
The B2B transaction inquiry system logs in to a financial institution server using the inquiry essential item information, and includes at least one of a discount of the B2B sales product from the financial institution server by a scraping method, a discountable balance, and an expiration date. Receiving financial information of the B2B sales product;
Storing the received financial information of the B2B sales product in the B2B transaction inquiry system; And
Including the step of providing the user with financial information of the B2B sales product stored in the B2B transaction inquiry system,
The metadata defines identification information necessary to receive the financial information of the B2B sales product from the financial institution server, and is different for each type of the B2B sales product, and a plurality of digits each corresponding to a plurality of preset input items. Is a string form consisting of, and a value of each of the plurality of digits is defined based on whether an input item corresponding to the digit is a mandatory input item,
Providing the input screen to the user includes providing a different input screen for each type of the B2B sales product to the user,
How to view B2B transactions.
The method of claim 8,
The inquiry essential item information includes information on a plurality of inquiry essential items related to a plurality of different B2B sales products,
The step of receiving the financial information of the B2B sales product includes scraping the financial information of each B2B sales product from a plurality of different financial institution servers using the plurality of inquiry essential item information. .
The method of claim 9,
The providing of the financial information of the B2B sales product to the user may include, by the B2B transaction inquiry system, providing the financial information of the B2B sales product scraped from the plurality of financial institution servers to the user through a single screen. B2B transaction inquiry method comprising a.
delete The method of claim 8,
The plurality of input items include certificate identification information, certificate password, certificate expiration date, user identification information, user password, product classification, purchase company name, inquiry start date, inquiry end date, contractor identification information, banking type information, transfer password, account number, and B2B transaction inquiry method including one or more of security media information.
The method of claim 8,
Generating, by the B2B transaction inquiry system, accounting information by using the financial information of the B2B sales product stored in the B2B transaction inquiry system; And
The B2B transaction inquiry system, the B2B transaction inquiry method further comprising the step of transmitting the accounting information to the company's accounting system.
The method of claim 13,
The accounting information is a B2B transaction inquiry method including at least one of a trade receivable date, a trade receivable detail, a sales product expiration date, a discount available amount, a discount available date, and a discount balance.
A computer program combined with hardware and stored in a computer-readable recording medium to execute the B2B transaction inquiry method according to any one of claims 8 to 10 and 12 to 14.

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