KR101899282B1 - Method of providing easy payment service - Google Patents

Abstract

The present invention provides a simple payment service providing method which comprises the following steps of: an operating company server receiving notification of deposit from a financial company server, and depositing a deposited amount in a designated account of a consumer or a seller when cash is deposited to the designated account of the consumer or the seller; the operating company server receiving approval of payment information including a payment amount from the consumer when payment occurs between the consumer and the seller; the operating company server transferring the amount corresponding to the approved payment amount among a balance of the account of the consumer to the account of the seller; and the operating company server transmitting payment information including the payment amount to a tax payment server collecting evidence of income and expenditure. Therefore, the present invention can perform not only online payment but also offline payment only with simple approval.

Description

METHOD OF PROVIDING EASY PAYMENT SERVICE [0002]

The present invention relates to a method of providing a simple settlement service, and more particularly, to a technique for providing a simple settlement service between a seller and a consumer without a credit card and a credit card payment terminal and imposing a proper tax accordingly.

As e-commerce is activated and communication technology develops, there are a variety of payment services such as simple payment method that uses real credit card in mobile phone in addition to existing real credit card payment method, and easy transfer method based on PINTECH .

 However, the conventional simple settlement service using a credit card is a conventional VAN settlement method based on a credit card payment terminal. In the case of a simple account transfer service, cash is transferred from a settlement account, It is no different. In addition, in the case of a simple settlement service using a credit card, there is a problem that a card terminal is required and a fee due to card settlement occurs.

In addition, there is a problem that it is difficult to issue a transaction receipt or a cash receipt even if a transaction is made using a cash between an individual consumer or a business operator who is not registered with a business operator and a cash transaction, thereby obtaining evidence of income or expenditure There is a difficulty.

Nowadays, as communication infrastructure and digital technology develop beyond the age of using real money, virtual money, such as virtual money, has appeared. Virtual currency is literally money in a virtual environment without a real shape.

In the past, virtual money transactions consisted of a system for purchasing virtual money corresponding to cash by depositing cash in a user's virtual account at a virtual money market, and storing virtual money in an electronic wallet to enable transactions.

However, there are few merchants that can settle with virtual money, and there is a problem that the accurate payment is not made due to the profit and loss due to the fluctuation of the virtual currency due to the direct transfer to the virtual currency. It is difficult to obtain evidence of income or expenditure between the seller and the consumer because the payment information can not be collected.

In addition, it is often used in an abnormal manner, such as means of speculation, outflow of foreign funds, or money hunting, rather than being used for normal commerce because of the fact that personal information leakage and identity verification procedures for accounts are difficult.

It should be understood that the foregoing description of the background art is merely for the purpose of promoting an understanding of the background of the present invention and is not to be construed as an admission that the prior art is known to those skilled in the art.

KR 10-2004-0072537 A

The present invention has been proposed in order to solve such a problem. The present invention proposes a payment method in which a financial account of a consumer whose identity has been confirmed or a balance deposited in a virtual account is transferred to a financial account or a virtual account of a seller whose identity has been confirmed, And sending the information to a tax payment server collecting evidence of income or expenditure.

According to another aspect of the present invention, there is provided a method of providing a simple settlement service, wherein when a cash is deposited in a designated account of a consumer or a seller, an operator server notifies a deposit from a financial institution server, Depositing into the account; Receiving payment information including a payment amount from a consumer when the payment is generated between the consumer and the seller; Transferring an amount corresponding to the authorized payment amount of the balance of the consumer's account to the seller's account; And the operation server transmits the payment information including the payment amount to the tax payment server collecting the evidence of the income or expenditure.

After the step of transferring to the seller's account, if there is a withdrawal request from the consumer or the seller, the financial institution server withdraws the requested amount to the consumer or the seller, and the operator server sends the balance of the consumer or seller's account And further comprising:

When a new consumer or a seller requests registration with the operator server before the step of depositing the customer or the seller in the designated account, the operator server notifies the financial institution server of the registration, and the financial institution server transmits the personal information And designating a unique account.

In the step of specifying a unique account, the unique account assigned to the consumer or the seller may be a personal account or a virtual account integrated into one dedicated account.

If the consumer or the seller is a corporation or a corporation, the account of the consumer or the seller is divided by the individual belonging to the corporation or corporation, and in the step of depositing into the designated account of the consumer or the seller, have.

In the step of receiving the payment information from the consumer, if the consumer makes a payment reservation before the settlement occurs between the consumer and the seller, the operator server approves the reservation amount, which is part or all of the payment amount, Can transfer the reservation amount from the consumer's account to the seller's account.

In the step of receiving the payment information from the consumer, the operator server can receive the payment information by receiving the approval information set or registered by the consumer.

In the step of receiving the payment information from the consumer, the operator server requests approval from the consumer when the seller inputs the payment information, and notifies the seller of the approval result when the consumer approves the payment information.

When canceling all or part of the settlement from the consumer or the seller after the step of transferring to the seller's account, the operator server may approve the cancellation information including the cancellation amount from the seller.

In the step of receiving the cancellation information from the seller, the operator server requests the seller to approve the cancellation information when the consumer inputs the cancellation information, notifies the cancellation result to the consumer when the cancellation is approved by the seller, And the operator server may transfer the approved cancellation amount back to the customer's account.

After the step of transferring the cancellation amount to the account of the customer again, the operator server may transmit the cancellation information including the cancellation amount to the tax payment server collecting the evidence of the income or expenditure.

In the step of receiving the payment information from the consumer, if the seller is the business entity, the payment information includes whether or not the consumer's cash receipt is issued. If the consumer has selected to issue the cash receipt after the step of transfer to the account of the seller, And transmitting the payment information including the approval number, the consumer information, the seller information, and the payment amount received from the cash receipt issuer server to the cash receipt issuer server by issuing the cash receipt of the consumer.

If the consumer does not choose to issue a cash receipt after the step of transferring to the seller's account, the operator server suspends issuing the customer's cash receipt and, if there is a request by the consumer to issue a cash receipt within a predetermined period, The server issues a cash receipt and transmits the payment information including the approval number, consumer information, seller information, and payment amount received from the cash receipt issuer server to the cash receipt issuer server or collectively The payment information can be transmitted to the cash receipt issuer server.

The cash receipt issuer server may transmit the payment information transmitted from the operator server to the tax payment server after the payment information is transmitted to the cash receipt issuer server.

In the step of transmitting the settlement information to the tax payment server, the operator server may transmit the settlement information including the pre-stored consumer information and the seller information to the tax payment server.

In the step of transmitting the settlement information to the tax payment server in the step of transmitting the settlement information to the tax payment server, the seller's resident number may be included in the pre-stored seller information, or the seller may directly input the resident number at the time of settlement.

And providing the location information or the sales information of the seller to the consumer in real time prior to the step of receiving the payment information from the consumer.

In the step of transferring to the seller's account, when the consumer or the seller is plural, the amount corresponding to the approved payment amount is transferred from the plural consumer's account to the seller's account or transferred from the consumer's account to the plural seller's account can do.

In the step of receiving the payment information from the consumer, when the number of consumers is plural, the payment server can be approved by a plurality of consumers.

According to the method of providing a simple settlement service of the present invention, not only online settlement but also offline settlement can be effected with a simple approval.

In addition, there is no need for a card terminal for an existing card settlement, and thus a card terminal fee and a card fee are unnecessary.

In addition, the present invention has a convenient effect of managing individual accounts by using individual personal financial accounts or virtual accounts that are integrated into a dedicated security-strong account to the consumer or the seller.

In addition, it has the effect of securing transparency of tax payment and payment by managing all the evidence of the income or expenditure of the seller and the consumer due to transactions with cash transaction or unregistered individual business entity.

In addition, it is possible to solve the problem of liquidation of business funds caused by different payment dates for each card company, and to reduce the business loss due to the loss of the card authorization amount due to card settlement.

1 and 2 are flowcharts of a method of providing a simple settlement service according to an embodiment of the present invention.
3 is a block diagram of a method for providing a simple settlement service according to an embodiment of the present invention.

Specific structural and functional descriptions of the embodiments of the present invention disclosed herein are for illustrative purposes only and are not to be construed as limitations of the scope of the present invention. And should not be construed as limited to the embodiments set forth herein or in the application.

The embodiments according to the present invention are susceptible to various changes and may take various forms, so that specific embodiments are illustrated in the drawings and described in detail in this specification or application. It is to be understood, however, that it is not intended to limit the embodiments according to the concepts of the present invention to the particular forms of disclosure, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

The terms first and / or second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are intended to distinguish one element from another, for example, without departing from the scope of the invention in accordance with the concepts of the present invention, the first element may be termed the second element, The second component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between. Other expressions that describe the relationship between components, such as "between" and "between" or "neighboring to" and "directly adjacent to" should be interpreted as well.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, the terms "comprises ", or" having ", or the like, specify that there is a stated feature, number, step, operation, , Steps, operations, components, parts, or combinations thereof, as a matter of principle.

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 this invention belongs. Terms such as those defined in commonly used dictionaries should be construed as meaning consistent with meaning in the context of the relevant art and are not to be construed as ideal or overly formal in meaning unless expressly defined herein .

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 and 2 are flowcharts of a method of providing a simple settlement service according to an embodiment of the present invention, and FIG. 3 is a configuration diagram of a method of providing a simple settlement service according to an embodiment of the present invention.

1 to 3, in a method of providing a simple settlement service according to an embodiment of the present invention, when cash is deposited in a designated virtual account of a consumer or a seller (S100) 10), and depositing the deposited amount in a designated account of the consumer or the seller (Sl 10); When payment is generated between the consumer and the seller (S300), the operation server 20 receives the payment information including the payment amount from the consumer (S400); The operating company server 20 transfers the amount corresponding to the approved payment amount of the balance of the consumer's account to the seller's account (S500); And the operating company server 20 transmits the payment information including the payment amount to the tax payment server 40 for collecting the evidence of the income or expenditure (S600).

According to the method of providing a simple settlement service according to an embodiment of the present invention, it is possible to easily settle a settlement between a consumer and a seller, and payment information corresponding to the settlement information is transmitted to the tax payment server 40, And the transaction history can be confirmed.

When the consumer or the seller requests registration with the manager server 20 before the step S110 of depositing the specified account in the consumer or the seller, the manager server 20 notifies this to the financial institution server 10, The institutional server 10 may further include a step (not shown) of confirming personal information of the consumer or the seller and designating a unique account.

The consumer or the seller can request registration with the operator server 20 online or request registration from the offline operator site. Here, the consumer or the seller can register as a general individual or as a registered company in the National Tax Service. Individuals or operators can all be consumers or sellers.

The operator server 20 can collect personal information (group information) of a corporation, a group, or an individual at the time of registration. Here, the personal information may include a name, a resident registration number, a business number, an address, and a contact number. If the operator has personal information (such as a resident registration number or a business number) of a consumer or a seller who does not have the collection authority, the operator may not access the financial institution or the financial institution Personal information of the consumer or the seller can be collected through the tax agent.

In addition, the operator server 20 can be classified into a general individual, a business operator, an unregistered personal liberty organization, and the like. In order to confirm the real name of an individual or an organization, authentication using a mobile phone authentication or an official certificate can be used.

The operator server 20 or the operator's office may request the financial institution server 10 to open a unique account of the new consumer or seller who requested registration. Here, the financial institution server 10 may open a unique account of the consumer or the seller who has requested registration, as a real name account after the real name verification.

The financial institution server 10 can collect and review personal information of the consumer or the seller and the financial institution server 10 can assign an account unique to the consumer or the seller. Further, the account information is transmitted to the operating company server 20, and the operating company server 20 notifies the consumer or the seller of the account information of the customer or the seller and stores the account information.

In particular, in the step of specifying a unique virtual account (not shown), the unique account assigned to the consumer or the seller may be a personal account or a virtual account integrated into one dedicated account. In other words, the dedicated account can be managed by the financial institution, thereby securing security by protecting the withdrawal from the outside including the operating company server 20 from the outside, thereby securing the security. In addition, a unique account or virtual account Can have a convenient effect for individual account management.

In addition, if there is a specific purpose of the transaction including the purpose of paying taxes such as electricity and water tax, the financial institution server 10 or the operation server 20 can separately operate and manage the system.

When the cash is deposited in the designated virtual account of the consumer or the seller, the financial institution server 10 notifies the depositor information to the operator server 20, and the operator server 20 notifies the money deposited in the account to the customer You can deposit money into your account. Here, the balance deposited in the account has the same value as the cash deposited in the account.

When the cash is deposited in the designated account of the consumer or the seller, the financial institution server 10 notifies the operating company server 20 of this, and the operating company server 20 transmits the amount corresponding to the deposited amount to the account of the consumer or the seller Deposit can be made. The consumer or the seller can make a payment using the balance deposited in the designated account.

The deposit can be carried out by the consumer or the seller in various ways such as transfer of account, CD deposit, bank transfer.

In particular, when the consumer or the seller is a corporation or a corporation, the account of the consumer or the seller is divided into individuals belonging to the corporation or the corporation, and in the step S110 of depositing into the designated account of the consumer or the seller, You can deposit the amount.

In other words, in the case of a corporation or a corporation, it can be managed in one account including accounts divided into individuals belonging to it. An account of an organization or a corporation can be divided into individuals belonging to a group or a corporation, and a necessary amount can be deposited into each account separately. The account of the group or corporation can manage the deposit of money into the account divided into individual accounts by notifying the manager server 20 that the manager who manages the deposit into the account divided into individual accounts within one account.

Accordingly, the affiliated individual has the effect of easily performing settlement on behalf of a corporation or a corporation without using a separate settlement means such as a credit card, by using the balance deposited in the account divided for each individual.

When a settlement occurs between the consumer and the seller (S300), the operator server 20 can receive the payment information including the payment amount from the consumer. In step S400, in which the payment information is approved by the consumer, the operator server 20 can receive approval of the payment information by receiving approval information set or registered by the consumer.

There are various ways to approve. It is possible to input the password, which is the approval information set by the consumer, or to use the OTP or MOTP information registered by the consumer, or to be approved through the public certificate. In addition, approval may be made using various biometric information such as cornea recognition, fingerprint recognition, or blood vessel recognition registered by a consumer using a personal terminal.

In addition, prior to payment authorization, an additional step (not shown) of logging in may be added to access the account of the consumer or the merchant, whereby the consumer or seller can double security by approving the payment after logging into the account. Can be managed.

In addition, the account of the consumer or the seller can be withdrawn only by the transaction history with the account of the operating company server 20, so that it can be safely managed from the risk such as external hacking.

The operating company server 20 can transfer the amount corresponding to the approved payment amount to the seller's account. In other words, you can deduct the amount of the payment from the balance deposited in the consumer's account, deposit the payment in the seller's account, and transfer the amount corresponding to the approved payment.

If the amount corresponding to the approved payment amount is not deposited in the consumer's account, the operator server 20 may deny payment approval. In addition, it is possible to notify a consumer of a state in which the remaining amount of money deposited in the account is insufficient through a push notification or the like.

In step S400 of receiving the payment information from the consumer, the operator server 20 may request approval from the consumer when the seller inputs the payment information, and may announce the approval result to the seller. Conversely, if a consumer enters approval information after inputting payment information, the approval result may be notified to the seller.

The payment information may include information of the consumer and the seller, and the information of the other party may be easily input by the QR code, NFC, or the like. For example, it is possible to utilize a function of searching for a seller using mutual, business, industry, or the like, and receive a payment item or a payment amount as a consumer selects a menu of a menu plate stored in advance by the seller. If the transaction is between the individual seller and the individual, the user can search for the other party by using information such as the type of the predetermined business type / business, mobile phone number, account ID, and account number.

In the case of the seller, the seller information can be exposed for publicity or advertisement, and the consumer can access the settlement through the information. In addition, even if the user does not make contact offline, the consumer can access the seller information online to enable online payment, delivery order, courier order, or quick service.

In the step of transferring to the seller's account (S500), if there are a plurality of consumers or sellers, the amount corresponding to the approved payment amount is transferred from a plurality of consumer accounts to the seller's account, or a plurality of sellers You can transfer it to your account.

That is, when a plurality of consumers pay jointly or a plurality of sellers pay jointly, the payment amount may be transferred from a plurality of consumers' accounts to a seller's account without a complicated procedure, or transferred from a consumer's account to a plurality of seller's accounts You can do it.

In addition, a burden ratio or an import ratio between a plurality of consumers or sellers may be adjusted. Accordingly, the profit distribution between the Dutch pager or the co-seller can be made easily.

Here, in the step of receiving approval information from the consumer (S400), when the plurality of consumers are provided, the operator server 20 can receive the payment information from a plurality of consumers respectively. If there are a plurality of sellers, the approval result may be notified to a plurality of sellers.

(Not shown) of providing the seller with the location information or the sales information of the seller in real time prior to the step of receiving the payment information from the consumer (S400). Only when the seller agrees, it may provide the seller with the location information. That is, it is possible to provide a navigation route guidance service that provides location information of the seller and guides the route from the current location of the consumer to the location of the seller based on the GPS.

It is also possible to provide sales information such as sales items of the seller, whether or not the provided table is vacant, or whether or not it is in a reserved state. That is, in the case of a seller's business place where a table such as a restaurant or a cafe is used, the consumer can confirm whether or not the table is vacant in real time.

In the case of a seller who sells on the move, real-time location information can be provided to the consumer. Accordingly, the consumer grasps the real-time location information or the sales information of the seller in real time, and has the effect of convenient consumption.

Further, in the step of receiving the payment information from the consumer (S400), when the consumer prepares the payment (S200) before the settlement occurs between the consumer and the seller (S200), the operator server (20) The reservation amount is approved in advance from the consumer (S210), and the financial institution server 10 can transfer the approved reservation amount from the consumer's account to the seller's account (S2200).

In other words, when the seller makes a reservation for payment of goods or services in advance, it is possible to prevent a problem of no show in which a part or all of the payment amount corresponding to the deposit is paid in advance and the reservation is canceled unilaterally have. The percentage of all or part of the payment amount may be set differently for each of the merchants, or may be set differently for each type of business. If the reservation amount is all of the payment amount, additional payment may be omitted at the time of actual payment.

In this case, even if the consumer reserves a portion of the settlement amount or all of the settlement amount in this case, the reservation amount may be held without transferring the reservation amount directly from the consumer's account to the seller's account. Alternatively, ), If the actual transaction does not occur, the fee of the pre-approved reservation amount can be transferred to the seller's account, and the remaining reservation amount can be refunded to the customer's account again.

In particular, in the case of second-hand goods transactions between a person and an individual through direct courier or direct dealing, the actual transfer of the payment amount is held for a certain period of time even if approval is received from the consumer, and after the consumer receives goods or services from the seller, So that the actual transfer can occur. Thereby, it is possible to eliminate the anxiety that may occur in inter-individual transactions where mutual trust is insufficient.

FIG. 2 is a flowchart illustrating a step of transmitting payment information among the method of providing a simple settlement service according to an embodiment of the present invention to the tax payment server 40. FIG.

2, after the transfer S500 is completed, the operating company server 20 may transmit the payment information including the payment amount to the tax payment server 40 for collecting the evidence of the income or expenditure (S600) . When the transfer is completed, the operating company server 20 can issue a cash receipt or a transaction confirmation containing payment information to the seller or the consumer (S621, S631).

Specifically, when the seller is a non-business entity, the seller information may include the resident registration number of the seller stored in the financial institution server 10 or the tax agent (not shown). Alternatively, the seller can directly input the seller information including the resident registration number at the time of the transaction.

When a payment is made in the case where the dealer server 20 is a business or an individual whose seller is not registered (for example, a golf course caddy, a street vendor, a proxy driver, a quick rider, A transaction confirmation document can be issued to the consumer (S631). The transaction confirmation may include the name, contact, address, transaction details, transaction amount, etc. of the seller, and may include the resident registration number of the seller in order to process the expense of the provider.

After issuing a transaction confirmation (S631), the operating company server 20 collects such payment information and transmits it to the tax payment server (S632). Herein, the payment information may include consumer information, seller information, payment amount, and the like stored at the operator server 20. In particular, if the resident registration number of the seller server 20 can not be collected, the resident registration number of the seller stored in the financial institution server 10 or the tax agent (not shown) The opened account information or the seller information entered by the seller in the transaction may be included. Personal information entered by the user himself / herself can be immediately disposed of at the time of completion of use.

Since the operating company server 20 collects and stores the information of the consumers and the sellers, the tax payment server 40 for collecting the evidence of the income or expenditure such as the IRS server, the payment information including the information of the consumer and the seller, ). The transmission to the tax payment server 40 may be transmitted in real time, or may be collectively collected and periodically transmitted. Accordingly, it is possible to collect payment information between unregistered businesses or individuals, and collect the evidence of income or expenditure, thereby imposing taxation.

However, due to the issuance of such transaction confirmation, it may not be possible to report the tax due to the seller 's income, and the tax payment server may induce the IRS to self - report income from the seller' s transaction. Under current law, taxpayers can be induced to self-declare income from the seller's transaction while guiding the tax exemption standard (23 million won a year) based on the income of individual business operators. In particular, the Internal Revenue Service (IRS) may guide or induce the registration of businesses of undocumented individual entrepreneurs to the Internal Revenue Service.

On the contrary, if the seller is the business entity (S610), the cash receipt can be further issued (S621). Therefore, in the step of receiving the payment information from the consumer (S400), if the seller is the business entity (S610), the payment information of the seller may include whether or not the consumer is issued a cash receipt.

If the customer selects to issue the cash receipt after the step S500 of transferring the cash receipt to the seller's account, the operating company server 20 issues a cash receipt of the consumer (S621), approves the cash receipt issued from the cash receipt issuer server 30 (S622) of transmitting payment information including the number, customer information, seller information, and payment amount to the cash receipt issuer server 30 (S622).

The operating company server 20 can request the customer to issue a cash receipt (S621) and transmit the payment information of the issued cash receipt to the cash receipt issuer server 30 (S622). Specifically, the cash receipt issuing company server 30 gives an approval number band to the operating company server 20, and the operating company server 20 receives approval number, consumer information, seller information, and payment information from the cash receipt issuing company server 30 Payment information including the amount of money may be transmitted to the cash receipt issuer server 30 (S622). The consumer information may include a telephone number of a consumer, and the seller information may include a merchant ' s business registration number.

The cash receipt issuer server 30 transmits the payment information transmitted from the operating company server 20 to the tax payment server 40 after the step S622 of transmitting the payment information to the cash receipt issuer server 30 S623). ≪ / RTI > That is, the cash receipt issuer server 30 can transmit the payment information transmitted from the operating company server 20 to the tax payment server 40 such as the National Tax Service. The transmission to the tax payment server 40 may be transmitted in real time, or may be collectively collected and periodically transmitted. That is, when the seller is the business entity (S610), the operation server server 20 transmits the payment information to the tax payment server 40 (S600). The operation server server 20 transmits the payment information to the cash receipt issuer server 30 (S622), the cash receipt issuer server 30 transmits the payment information transmitted from the operating company server 20 to the tax payment server 40 (S623), so that the operating company server 20 indirectly transmits the payment information To the tax payment server (40).

Alternatively, the settlement information may be collected and transmitted to the tax payment server while issuing a transaction confirmation separately (S632). Accordingly, the tax payment server 40 compares the payment information transmitted from the cash receipt issuing company server 30 with the payment information collected from the received operating company server 20, thereby accurately grasping the sake of the registered business operator's income You can have an effect.

If the consumer has not selected to issue the cash receipt, the operator server 20 may suspend the cash receipt issue of the consumer after the step S500 of transferring the cash receipt to the seller's account. However, receipts including cash receipt approval number and seller information can be issued, and information can be provided so that the consumer can view such information.

If there is a request for issuing a cash receipt by a customer within a predetermined period, the operator server 20 can issue a cash receipt and receive the approval number given from the cash receipt issuer server 30, the consumer information of the operating company server 20 And payment information including the seller information and the payment amount to the cash receipt issuer server 30. Accordingly, the cash receipt issuer server 30 can transmit the payment information transmitted from the operating company server 20 to the tax payment server 40 such as the National Tax Service.

In another embodiment, when the seller is a business entity, the payment information does not include whether the customer issues a cash receipt, and if the payment occurs, the operator server can collectively issue a cash receipt for the customer.

If the customer does not want to issue the cash receipt or wants to hold the cash receipt, the seller inputs the designated number of the IRS into the consumer information, and receives the approval number, the seller information, and the payment amount received from the cash receipt issuer server 30 Was issued. Consumers could voluntarily enter the information contained in the transaction receipt and receive a cash receipt later. However, this procedure is troublesome and time-consuming, and if the consumer voluntarily does not receive the cash receipt, the problem of consumer expenditure and the seller's income tax collection are caused.

However, the operator server 20 storing all of the consumer information and the seller information may force the issuance of the cash receipt by the consumer, so that it can have an advantageous effect in preventing the omission of the evidence of expenditure of the consumer and securing the tax source of the tax office.

If the consumer is a registered company, it is possible to select whether or not to add the withholding tax to the payment amount in the step of receiving the payment information from the consumer (S400). In the case of a seller who is not registered as a business operator and a consumer who is a business partner, only the difference between the settlement amount and the withholding tax amount can be transferred to the seller. Accordingly, in the case where the consumer is a business person, it is possible to select whether or not to add the withholding tax to the payment amount in the step of receiving the payment information from the consumer (S400). In the case of adding the withholding tax to the payment amount, The amount is transferred from the consumer account to the merchant account.

That is, in the step S500 of transferring to the seller's account, if the consumer is a business entity, the payment amount may include the withholding tax so that the amount received by the individual seller who does not actually have a business can be set to be the same. If the consumer is a business, it can receive the transaction confirmation and add the withholding tax to process the cost of the seller.

If all or part of the payment is canceled from the consumer or the seller (S700) after the transfer to the seller's account (S500), the operator server 20 receives the cancellation information including the cancellation amount from the seller (S710 ); ≪ / RTI > In other words, all or part of the settlement may be canceled by remorse or defect after payment. In this case, approval of the seller is required as opposed to payment.

Specifically, in the step of receiving the cancellation information from the seller (S720), the operator server 20 requests approval from the seller when the consumer inputs the cancellation information, and notifies the cancellation result to the consumer when the seller approves.

After receiving the cancellation information from the seller (S720), the operator server 20 may transfer the approved cancellation amount to the customer's account (S730). That is, transfer the cancellation amount back from the seller's account to the consumer's account. Seller's account will be deducted from the refunded cancellation amount, and the consumer's account may be credited with the refunded cancellation amount from the seller's account. The cancellation amount may be all or part of the payment amount.

After the step S720 of transferring the cancellation amount to the account of the consumer, the operating company server 20 transmits the cancellation information including the cancellation amount to the tax payment server 40 for collecting the evidence of the income or expenditure (S730 ); ≪ / RTI >

That is, when the operating company server 20 issues the transaction confirmation, the cancellation information including the cancellation amount can be transmitted to the tax payment server 40 for collecting the evidence of the income or expenditure. If the operator server 20 issues the cash receipt, the cash receipt issuance may be canceled in accordance with the cancellation information of some or all of the payment information of the issued cash receipt. In addition, the operating company server 20 transmits to the cash receipt issuer server 30 revocation information including the approval number given from the cash receipt issuer server 30, the consumer information and seller information stored in the operating company server 20, and the cancellation amount . The cash receipt issuer server 30 may transmit the cancellation information again to the tax payment server 40 which collects evidence of income or expenditure.

If there is a withdrawal request from the consumer or the seller (S800) after the transfer to the seller's account (S500), the financial institution server 10 withdraws the requested amount to the consumer or the seller, The balance of the account of the consumer or the seller can be deducted (S810).

The consumer or the seller can request the withdrawal to the operating company server 20 and the financial institution server 10 can withdraw the requested amount to the consumer or the seller when receiving the withdrawal request to the operating company server 20. [ Specifically, the withdrawal can be freely withdrawn by a method such as a check card, a bankbook, a CD device, or an Internet banking when the account of the consumer and the seller is a general financial account. If the account of the consumer and the seller is a virtual account, You can withdraw money by depositing cash into your account.

That is, in contrast to the case where the consumer or the seller requests withdrawal from the operator server 20, as opposed to depositing cash in the designated account of the consumer or the seller, the operator server 20 notifies the financial institution server 10 of the withdrawal, The financial institution server 10 can process the withdrawal in various ways at the request of the consumer or the seller. All the deposit and withdrawal details of the account of the consumer and the seller of the financial institution server 10 can be interlocked with the operation company server 20 and the payment details of the account and the account balance can be inquired.

In the process of providing such a payment system, a financial institution or an operator may receive remittance fees or operating fees from the consumer or the seller.

While the invention has been shown and described with respect to the specific embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the following claims It will be apparent to those of ordinary skill in the art.

10: financial institution server 20: operator server
30: Cash receipt issuer server 40: Tax payment server

Claims (19)

When cash is deposited in the designated account of the consumer or the seller, the operator server receives the deposit from the financial institution server and deposits the deposited amount in the designated account of the consumer or the seller;
Receiving payment information including a payment amount from a consumer when the payment is generated between the consumer and the seller;
Transferring an amount corresponding to the authorized payment amount of the balance of the consumer's account to the seller's account; And
And the operating server transmits the payment information including the payment amount to the tax payment server collecting the evidence of the income or expenditure,
After the step of transferring to the seller's account, if there is a withdrawal request from the consumer or the seller, the financial institution server immediately withdraws the requested amount to the consumer or the seller, and the operator server sends the balance of the consumer or seller's account ;
When canceling all or part of the settlement from the consumer or the seller, the operator server approves the cancellation information including the cancellation amount from the seller;
After receiving the cancellation information from the seller, the operator server transfers the approved cancellation amount back to the customer's account; And
After the step of transferring the cancellation amount to the account of the customer again, the operating company server transmits the cancellation information including the cancellation amount to the tax payment server collecting the evidence of the income or expenditure,
Wherein the step of transmitting the settlement information to the tax payment server and the step of transmitting the cancellation information to the tax payment server transmit the settlement information and the cancellation information to the tax payment server regardless of whether the cash receipt is issued or not. Way. delete The method according to claim 1,
When a new consumer or a seller requests registration with the operator server before the step of depositing the customer or the seller in the designated account, the operator server notifies the financial institution server of the registration, and the financial institution server transmits the personal information And designating a unique account. The method of claim 1, further comprising: The method of claim 3,
Wherein, in the step of assigning a unique account, the unique account assigned to the consumer or the seller is an individual account or a virtual account integrated into one dedicated account. The method according to claim 1,
If the consumer or the seller is a group or corporation, the account of the consumer or the seller is divided into individuals belonging to the group or corporation,
Wherein the step of depositing the money in the designated account of the consumer or the seller is to deposit the money into the account divided into individual accounts. The method according to claim 1,
In the step of receiving the payment information from the consumer, if the consumer makes a payment reservation before the settlement occurs between the consumer and the seller, the operator server approves the reservation amount, which is part or all of the payment amount, And transferring the reservation amount from the account of the consumer to the account of the seller. The method according to claim 1,
Wherein the settlement information is approved by the consumer when the settlement information is approved by the consumer, the settlement information being approved by receiving the approval information set or registered by the consumer. The method according to claim 1,
Wherein when the payment information is approved by the consumer, the operator server requests approval from the consumer when the seller inputs the payment information, and informs the seller of the approval result when the consumer approves the payment information. delete The method according to claim 1,
Wherein when the cancel information is approved by the seller, the operator server requests approval from the seller when the consumer inputs the cancellation information, and informs the consumer of the cancellation result when the seller approves the cancellation information. delete The method according to claim 1,
In the step of accepting the payment information from the consumer, if the seller is the business, the payment information includes whether or not the consumer has issued a cash receipt,
If the consumer chooses to issue a cash receipt after the step of transferring to the seller's account, the operator server issues a cash receipt of the consumer and includes the authorization number, consumer information, seller information and payment amount granted from the cash receipt issuer server And transmitting the settlement information to the cash receipt issuer server. The method of claim 12,
After the step of transferring to the seller's account,
If the consumer does not choose to issue a cash receipt, the operator server suspends issuance of the customer's cash receipt, and if there is a consumer's request to issue a cash receipt within a predetermined period of time, the operator server issues a cash receipt, The payment information including the approval number, the consumer information, the seller information, and the payment amount received from the issuer server is transmitted to the cash receipt issuer server,
Wherein the payment information is collectively transmitted to the cash receipt issuer server regardless of whether the consumer issues a cash receipt. The method of claim 12,
Further comprising: after the step of transmitting the settlement information to the cash receipt issuer server, the cash receipt issuer server transmits the settlement information transmitted from the operator server to the tax payment server. The method according to claim 1,
Wherein the controller transmits the settlement information including the pre-stored consumer information and the seller information to the tax payment server in the step of transmitting the settlement information to the tax payment server. 16. The method of claim 15,
Wherein when the merchant server transmits the settlement information to the tax payment server, when the seller is a non-operator, the resident number of the seller is included in the pre-stored seller information or the seller directly inputs the resident number at the time of settlement. Delivery method. The method according to claim 1,
And providing the seller with location information or sales information of the seller in real time prior to the approval of the payment information from the consumer. The method according to claim 1,
In the step of transferring to the seller's account, when the consumer or the seller is plural, the amount corresponding to the approved payment amount is transferred from the plural consumer's account to the seller's account or transferred from the consumer's account to the plural seller's account Wherein the settlement service providing method comprises the steps of: 19. The method of claim 18,
Wherein the settlement information is approved by the consumer, when the plurality of consumers are the plurality of consumers, the operator server receives the settlement information from each of the plurality of consumers.

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