Methods, apparatus, and systems providing a solution for analyzing corporate cash flow by performing account-by-account analysis of corporate account data

Abstract

This invention provides a method, apparatus, and system for analyzing corporate cash flow by performing account-by-account analysis of company account data. The apparatus performs the following steps: collecting and acquiring passbook transaction data of a first company account; classifying the deposit details and withdrawal details of the first company based on the passbook transaction data; creating a first profit statement based on the deposit details of the first company, illustrating the cash inflow situation of the first company in a preset first period; creating a first expenditure history of the first company in the first period based on the withdrawal history of the first company; generating the results of the first analysis, which is the result of analyzing the cash flow of the first company in the first stage based on the aforementioned first income details and first expenditure details; and, based on the results of the first analysis, performing the first analysis of the financial structure of the first company.

Description

Technical Field

[0001] The following embodiments relate to a technology that provides a solution for analyzing a company’s cash flow-related financial structure by performing account-by-account analysis of company account data. Background Technology

[0002] Although the number of startups is increasing, the failure rate of startups less than 5 years old is very high, and many startups are going out of business.

[0003] In other words, the survival rate of startups less than 5 years old is very low, and the reasons for the decline in startup survival rate include insufficient market demand, sales and marketing failures, and failures in fundraising and financial management.

[0004] In the context of finance and financial management, this is a very important factor that affects the operation of all companies, not just startups, which generally manage their finances at the level of Excel spreadsheets and handwritten books.

[0005] Furthermore, since sales and purchases are based on tax invoices, it is difficult to develop predictive analysis and response strategies for the actual cash held in bank accounts and future cash flows.

[0006] Therefore, there is an increasing need to examine the current real-time cash flow status based on the company's bank passbook data and analyze the financial structure related to the company's cash flow, thus requiring the implementation of relevant technologies.

[0007] Existing technical documents

[0008] (Patent Document 1) Korean Patent Registration No. 10-2589367

[0009] (Patent Document 2) Korean Patent Registration No. 10-1891090

[0010] (Patent Document 3) Korean Patent Registration No. 10-0962974

[0011] (Patent Document 4) Korean Patent No. 10-2019-0064757 Summary of the Invention

[0012] The problem that the invention aims to solve

[0013] According to one embodiment, the aim is to provide a method, apparatus, and system that provides a solution for analyzing a company's cash flow linked to its financial structure by analyzing company account data on an account-by-account basis.

[0014] The purpose of this invention is not limited to the above-mentioned purposes, and other purposes not mentioned can be clearly understood from the following description.

[0015] means for solving problems

[0016] According to one embodiment, in a method for providing a solution to analyze a company's cash flow linked to its financial structure by analyzing company account data on an account-by-account basis, the following steps are performed by a device: collecting and acquiring first company account passbook transaction data; classifying the first company's deposit details and withdrawal details based on the first company's passbook transaction data; generating a first profit and loss statement based on the first company's deposit details, representing the first company's cash inflow in a preset first period; creating a first expenditure history for the first company's cash outflow in the first period based on the first company's withdrawal history; providing a first analysis result based on the first income details and the first expenditure details, i.e., the result of analyzing the first company's cash flow in the first period; and providing a method for analyzing a company's cash flow linked to its financial structure by analyzing company account data account-by-account, including the step of initially analyzing the first company's financial structure.

[0017] This method, which analyzes company account data account by account to provide a financial structure analysis solution linked to corporate cash flow, starts with the company's deposit history. A second revenue history is created, showing the company's cash inflows in the second period prior to the first. A second expenditure history is created, showing the company's cash outflows in the second period, based on the company's withdrawal history. The results of the second analysis, analyzing the company's cash flow in the second period, are generated based on the second revenue history and expenditure history. The first amount is calculated based on the average daily deposits of the company in the first period, while the second amount is calculated based on the average daily deposits of the company in the second period. The first amount is multiplied by a preset first threshold to calculate the third amount, and the second amount is multiplied by a set second threshold (if the value is lower than the first threshold) to calculate the fourth amount. Finally, the relationship between the third and fourth amounts is calculated. The average of the first expenditure is used as the fifth amount; the average daily deposit amount of the company in the third period after the first period is set as the fifth amount, thereby creating a third profit and loss statement showing the first company's cash inflow in the third period; based on the first expenditure, the average daily withdrawal amount of the company in the first period is calculated as the sixth amount; based on the second expenditure, the average daily withdrawal amount of the first company in the second period is calculated as the seventh amount; the sixth amount is multiplied by the first reference value to calculate the eighth amount, the seventh amount is multiplied by the second reference value to calculate the ninth amount; the average between the eighth and ninth amounts is calculated as the tenth amount; the average daily withdrawal amount of the first company in the third period is set as the above ten amounts, thereby creating a third expense history reflecting the first company's cash outflow in the third period; based on third-party income and third-party expenditure, the first step may be further included in generating the first forecast result, which is the result of forecasting the first company's cash flow in the third period.

[0018] The method of providing a solution for analyzing a company's cash flow linked to its financial structure by analyzing company account data account by account involves subtracting the 5th amount from the 10th amount to calculate the 11th amount. If the 11th amount is confirmed to be less than 0 yuan, it indicates that the company is in a stage of stable operation and management. If the 11th amount is confirmed to be not less than 0 US dollars, the step of confirming the company's available cash at the time of the 1st amount is the 12th amount. The 12th amount is divided by the 11th amount to calculate the number of days 1. If the 11th amount is found to be less than a preset base, the 13th amount is calculated by subtracting the 11th amount from the base. The higher the 13th amount, the higher the weight is set to the first value. The lower value within the preset first reference range; multiply the first day by the first weight to obtain the second day; confirm the time point after the second day from the first time point as the second time point; predict the future available cash reserves of the first entity from the above first point; if the 11th amount is not less than the standard amount, calculate the 14th amount by subtracting the above base from the 11th amount; the higher the amount of the above 14, the higher the second weight is set within the preset second reference range; multiply the first day by the second weight to obtain the third day; confirm the time point after the third day from the first time point to the third time point; and further predict the stage of the future available cash holding period of the first company from the above first point to the third point.

[0019] Invention Effects

[0020] According to one embodiment, by analyzing company account data account by account, a financial structure analysis solution linked to the company's cash flow is provided. It can view the current real-time cash flow situation based on the company's bank account data and combine the company's cash flow to analyze the financial structure, thereby providing a more accurate financial structure analysis solution that takes into account the company's actual cash flow.

[0021] On the other hand, the effects of the embodiments are not limited to those described above, and other unmentioned effects can be clearly understood by those skilled in the art from the following description. Attached Figure Description

[0022] Figure 1 It is a diagram that outlines the system configuration based on the diaphragm.

[0023] Figure 2 It is a flowchart illustrating the process of providing a solution for analyzing a company's cash flow linked to its financial structure by analyzing company account data by account according to daily implementation examples.

[0024] Figures 3 to 4 This is a flowchart illustrating the process of predicting future cash flows based on a single embodiment.

[0025] Figures 5 to 6This is a flowchart illustrating the process of predicting the future holding period of available cash based on daily implementation examples.

[0026] Figure 7 It is a flowchart illustrating the process of adjusting the fifth quantity according to one embodiment.

[0027] Figure 8 This is a flowchart illustrating the process of adjusting the quantity 10 according to one embodiment.

[0028] Figure 9 It is a flowchart that illustrates the process of generating an analysis graph by plotting the prediction results based on daily implementation examples.

[0029] Figure 10 This is a preliminary schematic diagram of a device configuration according to a single embodiment. Detailed Implementation

[0030] The embodiments are described in detail below with reference to the accompanying drawings. However, various modifications can be made to the embodiments, and therefore the scope of the patent application is not limited to or restricted by these embodiments. Any changes, equivalents, or substitutions to the embodiments should be understood to be included within the scope of the claims.

[0031] The specific structural or functional descriptions of the embodiments are provided for illustrative purposes only and may be modified and implemented in various forms. Therefore, the embodiments are not limited to a particular form of disclosure, and the scope of this specification includes changes, uniformities, or substitutions incorporated into the descriptive concepts.

[0032] Terms such as "first" or "second" can be used to describe various components, but the interpretation of these terms should only be used to distinguish one component from another. For example, the first component can be named the second component, and similarly, the second component can be named the first component.

[0033] When a component is said to be "connected" to another component, it should be understood that it may be directly connected to or connected to another component, but there may be another component between them.

[0034] The terminology used in the embodiments is for illustrative purposes only and should not be construed as restrictive. Singular expressions include plural expressions unless the context clearly implies otherwise. In this specification, the terms "comprising" or "having" should be understood to mean the presence of the functions, numbers, steps, actions, components, parts, or combinations thereof described herein, and should not exclude the presence or addition of one or more other functions or numbers, steps, actions, components, parts, or combinations thereof.

[0035] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the embodiments pertain. Terms such as those defined in common dictionaries should be interpreted as having the meaning consistent with their meaning in the relevant descriptive context and should not be interpreted in an ideal or overly formal sense unless expressly defined in this application.

[0036] Furthermore, when describing the accompanying drawings, regardless of the drawing code, the same reference numerals should be assigned to the same elements, and identical repetitive descriptions should be omitted. When describing embodiments, detailed descriptions should be omitted if it is determined that a specific description of the relevant technical notifications may unnecessarily obscure the essential points of the embodiment.

[0037] The embodiments can be implemented in various types of products, including personal computers, laptops, tablets, smartphones, televisions, smart home appliances, smart cars, kiosks, and wearable devices.

[0038] Figure 1 It is a diagram that outlines the system configuration based on the diaphragm.

[0039] Reference Figure 1 According to one embodiment, the system may include multiple enterprise terminals 100 and devices 200, which can communicate with each other through a communication network.

[0040] First, regardless of whether the communication method is wired or wireless, a communication network can be configured and implemented in various forms to enable communication between servers and between servers and terminals.

[0041] Each of the multiple enterprise terminals 100 can be implemented as a computing device with communication functions, such as, but not limited to, mobile phones, desktop computers, laptops, tablets, smartphones, POS terminals, etc., and can be implemented as various types of communication devices that can connect to external servers.

[0042] The plurality of enterprise terminals 100 are terminals used by company leaders, and may include a first company terminal 110 used by a first company leader and a second company terminal 120 used by a second company leader.

[0043] Each of the multiple enterprise terminals 100 can access device 200 through web pages, applications, etc. provided by device 200.

[0044] For the sake of clarity, the operation of the first enterprise terminal 110 will be explained in detail. However, the operation of the first enterprise terminal 110 can be performed on behalf of other enterprise terminals such as the second enterprise terminal 120.

[0045] Device 200 may be its own server, owned by an individual or organization using services provided by device 200, or it may be a cloud server, or it may be a peer-to-peer (P2P) collection of distributed nodes. Device 200 may be configured to perform all or part of the computing, storage / reference, input / output, and control functions of a conventional computer.

[0046] The device 200 can be configured to communicate with multiple enterprise terminals 100 via wired or wireless communication, and can control the operation of each of the multiple enterprise terminals 100 and control what information is displayed on the screen of each of the multiple enterprise terminals 100.

[0047] Device 200 acts as a server, analyzing company account data account by account to provide a financial structure analysis solution linked to the company's cash flow, and can also provide a financial structure analysis platform service related to the company's cash flow.

[0048] Equipment 200 analyzes a company's cash flow and capital flow based on actual passbook deposit and withdrawal details, and can also analyze the company's related financial structure.

[0049] According to one embodiment, there are many types of data, such as company size, industry type, transaction frequency, number of customers and suppliers, and revenue and expenditure patterns.

[0050] For example, bank account transactions in a business account may include deposits for the sale of goods or services, withdrawals for the purchase of goods or services, withdrawals for employee salaries and related expenses, withdrawals for office rent, utilities and other operating expenses, and withdrawals for taxes, insurance and other related expenses.

[0051] Device 200 can collect the company's account passbook transaction data by converting the passbook transaction data into an Excel file via online banking in the initial stage.

[0052] Device 200 can perform matching functions for sales and revenue, purchases and expenses by linking monthly statistical tables with sales / purchase tax invoices provided by the IRS Hometax, and can prevent credit sales and purchases by comparing purchase / sales tax invoices and deposit and withdrawal details by using deposit / withdrawal names, deposit / withdrawal amounts, etc.

[0053] Equipment200 compares tax invoices and cash flow to suggest the expected direction of future corporate credit ratings and support proactive responses.

[0054] Equipment 200 performs pattern and relationship analysis on the company's passbook transaction data and can convert it into standardized codes through data classification and clustering processing techniques.

[0055] Device 200 can construct a revenue-related code to identify and analyze the items required by an enterprise, the enterprise's revenue, and the total cash flow of revenue based on tax accounting accounts.

[0056] For example, if Device 200 has assigned Code A to the revenue list, a revenue-related classification code can be constructed by assigning Code A1 to the sales list, Code A2 to the payment list, Code A3 to the loan list, Code A4 to the miscellaneous payment list, Code A5 to the reimbursement list, and Code A6 to the other reimbursement list.

[0057] Device 200 can construct expense-related codes to identify and analyze the items required by an enterprise, the enterprise's expenses and costs based on tax accounting accounts, and the resulting total expense cash flow.

[0058] For example, if Device 200 has assigned Code B to the expense list, an expense-related classification code can be constructed by assigning Code B1 to the purchase list, Code B2 to the labor expense list, Code B3 to the entertainment expense list, Code B4 to the welfare list, Code B5 to the loan principal list, and Code B6 to the loan interest list.

[0059] Device 200 can set historical periods monthly through current cash flow data to analyze non-project relevance and revenue / expense flows.

[0060] Device 200 can obtain data on the main items of major revenue / expenses through cash flow and compare the business plan of each item with the current situation to help understand the company's situation.

[0061] Device 200 can set a certain time period to predict the future cash depletion status of the operating cash held through average data of revenue / expenses.

[0062] For example, Device 200 can determine the decline period and do this by replacing the average values of revenue and expenses on a six-month basis. The following formula can be used to predict the period of future available cash:

[0063] 【Mathematical Equation 1】

[0064]

[0065] Fc > N may correspond to stable enterprise management, and Fc < N may correspond to the need for crisis management. Where: FC is the time length of future available cash, MC is the currently available cash, DC is the difference between total revenue and total expenses over N periods, and DM is the average revenue over N periods and (D m = Im -O m The difference between average expenditures, Im is The average income over N months, Om is the average income over N months. The average expenditure is Ii, where Ii is the amount of income in Korean won, Oi is the amount of expenditure in Korean won, and N is the duration in months.

Claims

1. A method for providing a solution for analyzing corporate cash flow by performing account-by-account analysis of company account data, wherein the method provides a solution for analyzing the financial structure related to corporate cash flow by analyzing company account data on an account-by-account basis, wherein, The device performs the following steps: First, collect and obtain the company's bank account passbook transaction data; Based on the passbook transaction data of the first company's account, the deposit details and withdrawal details of the first company are separated and categorized. Based on the deposit details of the first enterprise, create the first profit statement to illustrate the first enterprise's cash inflow in the pre-set first period; Based on the first company's withdrawal history, create the first company's first expenditure history in the first period's cash outflow; The results of the first analysis are generated, which are based on the analysis of the first company's cash flow in the first stage, according to the first revenue details and the first expenditure details mentioned above. and Based on the results of the first analysis, which included analyzing the financial structure of the first company at the first point in time.

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