KR102603375B1 - System and method for financial processing of ceremonial events using escrow and computer program for the same - Google Patents

Abstract

The congratulatory and condolence financial processing system receives a payment request for congratulatory and condolence expenses to be paid to a second user from one or more first users, and transfers the congratulatory and condolence expenses from the first user to a preset account by communicating with a financial institution server based on the payment request. A payment module configured to receive payment; and a refund management module configured to receive a request for payment of congratulatory and condolence expenses from the second user and pay the congratulatory and condolence expenses to the second user from the preset account by communicating with the financial institution server. At this time, the preset account is an escrow account in which the funds in the preset account can be transferred only after identity verification of the second user is performed with respect to the financial institution. Using the above system, users participating in congratulations and condolences, such as celebrants or mourners, can pay congratulatory and condolence money through various payment channels such as credit cards, automatic transfers, and virtual account transfers. Congratulations and condolences money cannot be withdrawn without the approval of the resident or resident. It can be safely delivered to the owner or permanent resident through an escrow account.

Description

Congratulations and condolences financial processing system and method using escrow and computer program therefor {SYSTEM AND METHOD FOR FINANCIAL PROCESSING OF CEREMONIAL EVENTS USING ESCROW AND COMPUTER PROGRAM FOR THE SAME}

Embodiments relate to a congratulatory and condolence financial processing system and method and a computer program therefor. More specifically, the embodiments relate to technology that allows congratulatory and condolence money related to congratulations and condolences to be paid through various payment channels and safely delivered through an escrow service.

Congratulations and condolences refer to cultural events in which important events or anniversaries are celebrated or expressed condolences with family, relatives, friends, etc. Representative examples include weddings, first birthday parties, birthday parties (60th birthday, 70th birthday, 80th birthday, etc.), funerals, etc. In Korea, preparing for and attending congratulations and condolences is considered an important social duty, and it is common for parents, siblings, nieces, nephews, friends, etc. to attend each other's congratulations and condolences and bring congratulatory or condolence money.

Recently, as information and communication technology has developed and the use of mobile devices such as smartphones has expanded, preparations and responses related to congratulations and condolences are increasingly made using information and communication technology. For example, Registered Patent Publication No. 10-1697150 provides an obituary information service in connection with a funeral home based on an app installed on the smartphone carried by the user, and provides a funeral service in connection with a mutual aid company, providing comprehensive obituary information. A comprehensive obituary management system and method that allows management is disclosed.

However, conventional technologies, including those disclosed in Patent Registration No. 10-1697150, are limited to allowing information related to congratulations and condolences to be easily transmitted between users. In the case of Korea, a large part of the work related to congratulations and condolences is to deliver congratulations or condolences or to record and manage the details of congratulatory and condolences received. However, information and communication technology has not yet been used to handle expenses related to congratulations and condolences. There is no platform that can handle this.

Registered Patent Publication No. 10-1697150

According to one aspect of the present invention, users participating in congratulations and condolences, such as celebrants or mourners, can pay congratulatory money and condolence money through various payment channels such as credit cards, automatic transfers, and virtual account transfers, and the paid congratulatory and condolence money is sent to escrow (escrow). Through the escrow service, we can provide a financial processing system and method for congratulations and condolences that can safely be delivered to a married couple or resident, as well as a computer program for the same.

A congratulatory and condolence financial processing system according to an aspect of the present invention receives a payment request for congratulatory and condolence expenses to be paid to a second user from one or more first users, and communicates with a financial institution server based on the payment request, thereby A payment module configured to receive congratulatory and condolence expenses from the user to a preset account; and a refund management module configured to receive a request for payment of congratulatory and condolence expenses from the second user and pay the congratulatory and condolence expenses to the second user from the preset account by communicating with the financial institution server.

At this time, the preset account is an escrow account in which the funds in the preset account can be transferred only after identity verification of the second user is performed with respect to the financial institution.

In one embodiment, the request for payment of congratulatory and condolence expenses includes account information in the name of the second user. At this time, the refund management module is further configured to transmit the account information and the real name of the second user to the financial institution corresponding to the preset account for identity verification of the second user.

In one embodiment, the payment request includes a payment request using a credit card. At this time, the financial institution server includes a card company server that corresponds to the credit card and is configured to pay the payment amount corresponding to the payment request using the credit card to the preset account.

The congratulatory and condolence financial processing system according to one embodiment further includes a notification module configured to transmit payment information to the second user in response to payment of congratulatory and condolence expenses corresponding to the payment request.

In one embodiment, the refund management module is further configured to receive supporting information about the congratulations and condolences from the second user. In addition, the congratulatory and condolence financial processing system generates tax reporting information for tax-free refund processing based on the supporting information and information on the amount paid to the second user from the preset account, and sends the tax reporting information to the tax collection agency server. It further includes a tax management module configured to transmit.

A congratulatory and condolence financial processing method according to an aspect of the present invention includes the steps of, a congratulatory and condolence financial processing system receiving a payment request for congratulatory and condolence expenses to be paid to a second user from one or more first users; Communicating, by the congratulatory and condolence financial processing system, with a financial institution server based on the payment request to receive congratulatory and condolence expenses from the first user to a preset account; Receiving, by the congratulatory and condolence financial processing system, a request for payment of congratulatory and condolence expenses from the second user; and the step of the congratulatory and condolence financial processing system communicating with the financial institution server to pay congratulatory and condolence expenses to the second user from the preset account.

In one embodiment, the request for payment of congratulatory and condolence expenses includes account information in the name of the second user. At this time, in the step of communicating with the financial institution server to pay the congratulatory and condolence expenses to the second user, the congratulatory and condolence financial processing system collects the account information and the real name of the second user in advance to authenticate the identity of the second user. It includes the step of transmitting to the financial institution corresponding to the established account.

In one embodiment, the payment request includes a payment request using a credit card. At this time, the congratulatory and condolence financial processing method is that, after the step of communicating with a financial institution server based on the payment request, the congratulatory and condolence financial processing system receives the payment amount corresponding to the payment request using the credit card from the card company corresponding to the credit card. It further includes receiving payment to the preset account.

The congratulatory and condolence financial processing method according to one embodiment further includes the step of transmitting, by the congratulatory and condolence financial processing system, payment information to the second user in response to payment of congratulatory and condolence expenses corresponding to the payment request.

In one embodiment, the step of receiving a request for payment of congratulatory and condolence expenses from the second user includes, by the congratulatory and condolence financial processing system, receiving supporting information about the congratulation and condolence from the second user. At this time, the congratulatory and condolence financial processing method includes: generating, by the congratulatory and condolence financial processing system, tax reporting information for tax-free refund processing based on the supporting information and information on the amount paid by the second user from the account; and the step of the congratulatory and condolence financial processing system transmitting the tax report information to a tax collection agency server.

In one aspect of the present invention, a computer program is combined with hardware to execute the financial processing method for congratulations and condolences according to the above-described embodiments, and may be stored in a computer-readable recording medium.

A computing device according to one aspect of the present invention includes a memory storing executable instructions; A communication module configured to communicate with an external system; and a processor communicatively connected to the memory and the communication module.

By executing the command, the processor receives a payment request for congratulatory and condolence expenses to be paid to a second user from one or more first users, and responds to the payment request to receive congratulatory and condolence expenses from the first user to a preset account. Based on this, it is further configured to communicate with a financial institution server, receive a request for payment of congratulatory and condolence expenses from the second user, and communicate with the financial institution server to pay congratulatory and condolence expenses to the second user from the preset account.

By using the congratulation and condolence financial processing system and method according to one aspect of the present invention, users participating in congratulations and condolences, such as celebrants and mourners, can pay congratulatory and condolence money through various payment channels such as credit cards, automatic transfers, and virtual account transfers. Congratulations and condolences paid by congratulatory guests or mourners have the advantage of being safely delivered to the married couple or the chief mourner through an escrow account that is managed so that withdrawals cannot be made without the approval of the married couple or the chief mourner.

In addition, by using the congratulatory and condolence financial processing system and method according to one aspect of the present invention, all financial services related to congratulatory and condolences, such as management of deposits and withdrawals for congratulatory and condolence funds and book preparation, are processed within the platform provided by the congratulatory and condolence financial processing system. There are benefits to doing this.

Furthermore, by using the congratulatory and condolence financial processing system and method according to one aspect of the present invention, the congratulatory and condolence financial processing system automatically generates supporting data for tax-exempt refund processing of users who have received congratulatory or condolence money, such as for permanent residents or married couples, and sends it to the National Tax Service, etc. There is an advantage in facilitating user tax reporting by transmitting it to the collection agency server.

1 is a conceptual diagram showing the operating environment of a financial processing system for congratulations and condolences according to an embodiment.
Figure 2 is a schematic block diagram showing the hardware configuration of a congratulatory and condolence financial processing system according to an embodiment.
Figure 3 is a schematic block diagram of a financial processing system for congratulations and condolences according to an embodiment.
Figure 4 is a flowchart showing each step of a financial processing method for congratulations and condolences according to an embodiment.
Figure 5 is a conceptual diagram showing the process of processing congratulatory and condolence expenses using the congratulatory and condolence financial processing method shown in Figure 4.
Figure 6 is a flowchart showing each step of a financial processing method for congratulations and condolences according to another embodiment.
Figure 7 is a conceptual diagram showing the process of processing congratulatory and condolence expenses using the congratulatory and condolence financial processing method shown in Figure 6.
8 and 9 are conceptual diagrams of an exemplary user interface provided by a congratulatory and condolence financial processing system according to an embodiment.

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

Figure 1 is a schematic block diagram of a financial processing system for congratulations and condolences according to an embodiment.

Referring to FIG. 1, the congratulatory and condolence financial processing system 2 according to this embodiment pays congratulatory and condolence expenses (also referred to as congratulatory and condolence funds) by communicating with the user device 1 of one or more users participating in the congratulations and condolences, such as celebrants or mourners. You can receive payment functions for . In addition, the congratulatory and condolence financial processing system 2 can perform management functions such as payment for congratulatory and condolence expenses raised to the user by communicating with the user device 4 of the user who is the subject of the congratulatory or condolence event, such as a resident or a married couple.

In this specification, congratulations and condolences may include weddings, first birthday parties, birthday parties (60th birthday, 70th birthday, 80th birthday, etc.), funerals, etc. However, the congratulations and condolences in this specification are not necessarily limited to events related to ceremonial occasions, and any event where money can be exchanged between individuals for congratulations, consolation, or any other arbitrary purpose, such as a business opening ceremony, may fall under the congratulatory condolences in this specification.

In addition, in this specification, congratulatory and condolence funds (or congratulatory and condolence funds) refer to money such as congratulatory money or condolence money exchanged between users for any congratulation or condolence. In the following specification, a user who pays congratulatory and condolence expenses for another person's congratulatory or condolence, such as a congratulatory guest or a mourner, is also referred to as a first user, and a user who will receive congratulatory and condolence expenses from another person, such as a resident or a married couple, is also referred to as a second user.

The congratulatory and condolence financial processing system 2 is configured to be capable of communicating with the user devices 1 and 4 of each user for payment of congratulatory and condolence expenses by the first user or management of congratulatory and condolence expenses by the second user. Additionally, the congratulatory and condolence financial processing system 2 may be configured to communicate with one or more financial institution servers 3 and 5 for processing funds, such as payment and transfer of congratulatory and condolence expenses. Furthermore, the congratulatory and condolence financial processing system 2 may be configured to communicate with the server 6 of a tax collection agency such as the National Tax Service in order to report tax-free refund processing for congratulatory and condolence expenses income.

To this end, the congratulatory and condolence financial processing system (2) transmits and receives information with the user device (1, 4), financial institution server (3, 5), and/or tax collection agency server (6) through a wired and/or wireless network. It can be configured. Communication methods through wired and/or wireless networks may include objects and all communication methods through which objects can be networked, and are 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 to this.

In order to enable users who are congratulators, mourners, etc. to pay for congratulatory and condolence expenses that they wish to pay to other users, and also to allow each user to manage the congratulatory and condolence expenses paid by them or the congratulatory and condolence expenses raised to them, in one embodiment, The financial processing system 2 may be implemented in the form of a server that can be accessed using a computing device.

For example, the congratulations and condolences financial processing system 2 is an application service server that enables the operation of an application (or app) running on the user device 1, 4 or any other computing device. ) can be. Alternatively, the congratulations and condolences financial processing system 2 may be a web server that provides a web page accessible by a web browser.

The first and second users are mobile communication terminals such as smartphones, personal computers, laptop computers, PDAs (personal digital assistants), tablet computers, IPTV (Internet Protocol Television, etc.), etc. Congratulations and condolences financial processing system through a wired and/or wireless network on the user device (1, 4), which is any computing device such as a set-top box, artificial intelligence (AI) speaker, or network server for You can access (2).

In one embodiment, the congratulatory and condolence financial processing system 2 includes a payment module 21 and a refund management module 23. In one embodiment, the congratulatory and condolence financial processing system 2 may further include a notification module 22. Additionally, in one embodiment, the congratulatory and condolence financial processing system 2 may further include a tax management module 24. Furthermore, each of these modules 21-24 may be implemented using the hardware 200 of the congratulatory and condolence financial processing system 2.

The devices described herein may be entirely hardware, or may have aspects that are partly hardware and partly software. For example, the congratulations and condolences financial processing system 2 may refer to a device for exchanging data of a specific format and content through electronic communication and software related thereto. In this specification, terms such as “unit,” “module,” “server,” “system,” “platform,” “device,” or “terminal” refer to hardware and software driven by the hardware. It is intended to refer to a combination. For example, the hardware here may be a data processing device including a CPU or other processor. Additionally, software driven by hardware may refer to a running process, object, executable, thread of execution, program, etc.

Additionally, in this specification, each module 21 to 24 or unit constituting the congratulatory and condolence financial processing system 2 is not necessarily intended to refer to a separate, physically distinct component. That is, in FIG. 1, each module 21-24 of the congratulatory and condolence financial processing system 2 is shown as a separate block, but this functionally divides the congratulatory and condolence financial processing system 2 by the operations performed thereto. It was done. Depending on the embodiment, some or all of the above-described modules 21 to 24 may be integrated into the same device, or one or more modules may be implemented as a separate device that is physically separated from other modules. For example, each module 21 to 24 of the family event financial processing system 2 may be components communicatively connected to each other under a distributed computing environment.

The payment module 21 may receive a payment request for the congratulatory and condolence expenses to be paid to the second user from one or more first users. Additionally, the payment module 21 may communicate with one or more financial institution servers 3 and 5 corresponding to the first user's payment method to realize fund transfer according to the first user's payment request.

The payment method for congratulatory and condolence expenses provided by the payment module 21 may be diverse, such as credit card, automatic transfer, and virtual account transfer, and the payment module 21 may provide a financial institution server ( 3, 5) can be communicated with. For example, when the first user requests to pay for congratulatory or condolence expenses using a credit card, the payment module 21 may request payment from the card company server that issued the credit card. In this specification, a credit card refers to any physical or virtual card for which approval and payment are made based on a card number, and is intended to include a debit card or check card. Alternatively, when the first user requests to automatically transfer the congratulatory and condolence expenses from his/her own account, or to transfer the congratulatory and condolence expenses to the second user's account or virtual account, the payment module 21 is configured to implement a transfer transaction between accounts. 1 Can communicate with the bank server where the user's account is opened.

In one embodiment, the financial institution server with which the payment module 21 communicates includes a VAN (Value Added Network) company server 3, and the VAN company server 3 according to a payment request received from the payment module 21. Payment may be realized by communicating with the server 5 of one or more financial institutions, such as a credit card company or bank.

Congratulations and condolences expenses paid through the payment module 21 are collected in an escrow account that is set so that the operator of the congratulations and condolences financial processing system 2 cannot arbitrarily process funds (e.g., transfer, withdrawal, etc.). For example, depending on the payment method for the congratulatory and condolence expenses, the money may be transferred from the credit card company to an escrow account, or the congratulatory and condolence expenses may be transferred from an account in the name of the first user to an escrow account through a financial institution such as a bank.

The refund management module 23 may provide the second user to check the amount of congratulatory and condolence expenses collected from one or more first users to the second user and information on each payer. In addition, when there is a request from the second user to pay for the congratulatory and condolence expenses collected to the user, the refund management module 23 communicates with the financial institution server 3 to transfer the congratulatory and condolence expenses from the aforementioned escrow account to an account in the name of the second user. can do.

The congratulatory and condolence funds raised in the escrow account can be accessed only after the second user has verified the identity of the financial institution where the account was opened, and even the operator of the congratulatory and condolence financial processing system (2) cannot arbitrarily access the balance of the escrow account. I can't. Accordingly, the refund management module 23 may receive account information in the name of the second user from the second user in order to process the second user's request for payment of congratulatory and condolence expenses. Additionally, the refund management module 23 may transmit the second user's real name and account information to a bank corresponding to the escrow account, etc., to authenticate the second user's identity.

In one embodiment, when the payment for the congratulatory and condolence expenses requested by the first user is made by the payment module 21, the notification module 22 may transmit payment information indicating the fact of depositing the congratulatory and condolence expenses to the user device 4 of the second user. . Payment information can be transmitted to the user device 4 in a variety of ways, such as text messages such as SMS (Short Message Service), Social Network Service (SNS) messages, email, or push notifications through applications. and is not limited to a specific method.

In one embodiment, the refund management module 24 generates tax reporting information so that the second user can process a tax-free refund for the congratulatory and condolence expenses paid to the second user, and automatically sends it to the server 6 of a tax collection agency such as the National Tax Service. Can be transmitted. To this end, the refund management module 24 receives supporting information about the congratulations and condolences from the second user, and uses the information and supporting information about the amount paid by the refund management module 24 to the second user to the tax collection agency server. You can create tax reporting information to be sent in (6).

In this specification, supporting information for congratulations and condolences refers to any information or documents required by a tax collection agency such as the National Tax Service to recognize the fact that a congratulations or condolences occurred when excluding a certain amount of congratulatory and condolence expenses income from the second user's income from tax calculation. refers to For example, in the case of congratulatory money income, wedding invitations, marriage certificates, etc. that show the relationship between the second user and the deceased can be used as supporting information, and in the case of gift money income, a family relationship certificate showing the relationship between the second user and the deceased, Funeral-related documents, etc. may be supporting information, but the type of supporting information is not limited to this.

The detailed configuration of each module of the congratulations and condolences financial processing system 2 will be described in detail later with reference to FIG. 3.

Figure 2 is a schematic block diagram showing the hardware configuration of a congratulatory and condolence financial processing system according to an embodiment.

Referring to FIG. 2, the congratulatory and condolence financial processing system according to embodiments is implemented in the form of a computing device including hardware 200, a memory 201, a processor 202, a communication unit 203, and an input/output unit 204. ) may include.

The memory 201 is a non-transitory computer-readable recording medium, and is a non-perishable large capacity device such as random access memory (RAM), read only memory (ROM), disk drive, solid state drive (SSD), flash memory, etc. It may include a permanent mass storage device. Here, non-perishable mass storage devices such as ROM, SSD, flash memory, disk drive, etc. may be included in the above-mentioned device or server as a separate persistent storage device that is distinct from the memory 201.

Additionally, the memory 201 may store an operating system and at least one program code (for example, a code for a security module or an application installed to provide a specific service). These software components may be loaded from a computer-readable recording medium separate from the memory 201. Such separate computer-readable recording media may include computer-readable recording media such as floppy drives, disks, tapes, DVD/CD-ROM drives, and memory cards.

In another embodiment, software components may be loaded into the memory 201 through the communication unit 203 rather than a computer-readable recording medium. For example, at least one program is based on a computer program installed in memory ( 201).

The processor 202 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations. Commands may be provided to the processor 202 by the memory 201 or the communication unit 203. For example, processor 202 may be configured to execute received instructions according to program code stored in a recording device such as memory 201.

The communication unit 203 may provide a function for the congratulatory and condolence financial processing system to communicate with the user devices 1 and 4, the financial institution servers 3 and 5, and/or the tax collection agency server 6 through a network. Additionally, the communication unit 203 may provide a function for the congratulatory and condolence financial processing system to communicate with one or more other devices through a wired and/or wireless network. That is, the communication unit 203 is a part that realizes each of the functional modules described above with reference to FIG. 1 by having its functions controlled by the processor 202 that refers to the memory 201.

The input/output unit 204 may be a means for interfacing with an external input/output device (not shown). For example, external input devices may include devices such as a keyboard, mouse, microphone, and camera, and external output devices may include devices such as a display, speaker, and haptic feedback device. As another example, the input/output unit 204 may be a means for interfacing with a device that integrates input and output functions, such as a touch screen.

Additionally, in other embodiments, the congratulatory and condolence financial processing system may include more hardware components than those shown in FIG. 2 depending on the nature of the device to which it is applied. For example, when a congratulatory and condolence financial processing system is applied to a terminal device used by a user, it is implemented to include at least some of the above-mentioned input and output devices, or a transceiver, a Global Positioning System (GPS) module, a camera, various sensors, It may further include other components such as a database, etc. As a more specific example, when the terminal device is a smartphone, various devices generally included in the smartphone, such as acceleration sensors, gyro sensors, camera modules, various physical buttons, buttons using a touch panel, input/output ports, and vibrators for vibration, etc. It can be implemented to include more components.

The congratulatory and condolence financial processing method described below with reference to FIGS. 4 to 8 may be performed by a congratulatory and condolence financial processing system implemented in the form of a computing device including the hardware 200 configuration described above with reference to FIG. 2. As an example, a method of processing congratulations and condolences may be provided to a user in the form of a service based on at least one of applications, software, and other programs that operate based on a user device and/or server.

In one embodiment, the processor 202 executes instructions stored in the memory 201, thereby receiving a request for payment of congratulatory and condolence expenses to be paid to a second user from one or more first users, and transferring the payment request from the first user to a preset account. In order to receive payment for congratulations and condolences, the user may communicate with a financial institution server based on a payment request from the first user. Additionally, the processor 202 may receive a request for payment of congratulatory and condolence expenses from a second user and communicate with a financial institution server to pay the congratulatory and condolence expenses to the second user from a preset account.

At this time, the pre-set account is an escrow account that can transfer the funds in the pre-set account only after the second user's identity verification is performed with the financial institution. Therefore, the operator of the financial processing system for family events or condolences is not a second user, such as a resident or married couple, or It is impossible for a user of another computing device to arbitrarily manage or embezzle the congratulatory and condolence funds collected for the second user.

Figure 3 is a schematic block diagram of a financial processing system for congratulations and condolences according to an embodiment.

Referring to FIG. 3, the payment module 21 of the congratulations and condolences financial processing system 2 according to one embodiment includes an account issuing unit 211 and a payment request unit 212. The account issuing unit 211 serves to issue an account for depositing congratulatory and condolence expenses for communication with servers of financial institutions such as banks. At this time, the account for depositing congratulatory and condolence expenses is an escrow account issued corresponding to a specific user (second user), and the holder of the account is another person, for example, the operator of the congratulatory and condolence financial processing system (2), but also authenticates the identity of the second user. This is an account issued under a prior agreement with a financial institution such as a bank so that the funds in the account cannot be accessed without it.

The payment request unit 212 provides finance so that the amount paid by the first user is deposited into the above-described escrow account in response to a request for payment of congratulatory and condolence expenses by one or more first users, through various methods such as credit card, automatic transfer, and virtual account transfer. It has the function of making a request to the institutional server. The financial institution server with which the payment request unit 212 communicates may be a card company server, a VAN company server, and/or a bank server depending on the payment method of the first user.

In one embodiment, the notification module 22 of the congratulatory and condolence financial processing system 2 includes a user database (DB) 220. User information such as name, contact information (mobile phone number, etc.), and email address of one or more users who use the congratulatory and condolence financial processing system 2 are stored in the user DB 220. If a first user designates another user who resides permanently or as a married couple to pay for congratulatory and condolence expenses, the designated user becomes the second user and is the recipient of the congratulatory and condolence expenses. When a first user pays a congratulatory or condolence fee to be paid to a second user, the notification module 22 may refer to information in the user DB 220 and transmit payment information to the second user.

In one embodiment, the refund management module 23 of the congratulatory and condolence financial processing system 2 includes a deposit confirmation unit 231 and/or a payment request unit 232. The congratulations and condolences financial processing system 2 is configured to manage one or more escrow accounts corresponding to each second user who will receive congratulations and condolences expenses, and the deposit confirmation unit 231 is configured to respond to the inquiry request of a specific second user and Information such as transaction details and balances on escrow accounts can be searched and provided by financial institutions. Through this, users can use the congratulatory and condolence financial processing system (2) to manage congratulatory and condolence expenses that they have received or can receive.

If there is a request for payment for the congratulatory and condolence expenses raised to the user from the second user, the payment request unit 232 provides the account information (e.g., opening bank, account number, date of birth of the depositor, etc.) of the second user who will receive the congratulatory and condolence expenses from the second user. ) is received. Additionally, the payment request unit 232 may receive the real name information of the second user at the time the second user requests payment of congratulatory and condolence expenses. At this time, the real name information is used to authenticate the second user's identity to financial institutions such as banks. For example, the payment request unit 232 may receive real name information of the second user by performing real name authentication of the second user through communication with an authentication service organization such as a mobile communication service.

However, in another embodiment, if real name authentication has already been performed for user registration in the family event financial processing system 2, the payment request unit 232 receives the second information from the user DB 220 of the family event financial processing system 2. You can also extract the user's real name information and use it as information for authentication.

When a payment request is received from the second user, the payment request unit 232 may request payment to the financial institution server so that the congratulatory and condolence expenses are paid from the escrow account corresponding to the second user to the second user's account. At this time, the financial institution server that receives the payment request refers to a server, such as a bank, where an escrow account corresponding to the second user is opened.

In one embodiment, the tax management module 24 of the congratulations and condolences financial processing system 2 includes a report information generation unit 240. The report information generation unit 240 reports the income details of the second user's congratulatory and condolence expenses to a tax collection agency such as the National Tax Service, thereby ensuring that the income is tax-exempted.

If the second user requires a tax exemption declaration, the refund management module 23 may receive supporting information about the congratulations and condolences when receiving a payment request from the second user. At this time, the report information generator 240 uses the evidence information received in the refund management module 23 as well as the information on the amount paid to the second user through the refund management module 23 and transmits it to the tax collection agency server. You can create tax reporting information to become a member. Additionally, the report information generation unit 240 may transmit the generated tax report information to the tax collection agency server automatically or after confirmation by the second user.

Figure 4 is a flowchart showing each step of a congratulatory and condolence financial processing method according to an embodiment, and is for explaining the process of paying congratulatory and condolence expenses for congratulatory guests or mourners. In addition, FIG. 5 is a conceptual diagram showing the process of processing congratulations and condolences by the congratulations and condolences financial processing method shown in FIG. 4.

Referring to FIGS. 4 and 5, the first user 100, who is a congratulatory guest or a mourner, can access the congratulatory and condolence financial processing system 2 using the user device 1 and request payment for congratulatory and condolence expenses (S11) ). At this time, the first user 100 can designate another user who will receive the congratulatory and condolence expenses paid by the first user, that is, the second user 400, who is the resident of the congratulatory or condolence or condolence event, etc.

Alternatively, in another embodiment, the user who is the subject of the family event, such as a resident or a married couple, registers the details of the family event or event in the family event financial processing system 2, and the first user 100 searches for a specific user or the user who is the subject of the family event or condolences that he or she knows. Enter the details (e.g., name of married couple, name of deceased, name of wedding venue, name of funeral, etc.) and select one of the congratulatory and condolence cards registered in the congratulatory and condolence/condolence financial processing system (2). A second user 400 may also be designated.

At this time, even if the first user 100 does not know the account information (bank, account number, etc.) of the user who will receive the congratulatory or condolence funds, the first user 100 may use the name and/or By entering a mobile phone number, etc. into the congratulatory and condolence financial processing system (2), the recipient of congratulatory and condolence expenses can be identified. The congratulatory and condolence financial processing system (2) receives each user's account information during the user's service registration process, or receives account information during the process of paying congratulatory and condolence expenses, allowing users to exchange congratulatory and condolence expenses even if they do not know each other's account information. It can be made possible.

The congratulations and condolences financial processing system 2 according to embodiments corresponds to an application service server that communicates with the user device 1, and responds to the payment request received from the user device 1 to the financial institution servers 3 and 5. You can request payment for congratulations and condolences (S12). The financial institution servers 3 and 5, which have received the payment request from the congratulatory and condolence financial processing system 2, perform payment for congratulatory and condolence expenses using the payment method selected by the first user 100, and perform the payment of congratulatory and condolence expenses using the payment method selected by the first user 100, and The payment can be deposited into an escrow account pre-arranged between the institutions (S13). To this end, the family event financial processing system 2 may further transmit escrow account information corresponding to the second user to the financial institution servers 3 and 5.

For example, in one embodiment, when the congratulatory and condolence financial processing system 2 requests payment of congratulatory and condolence expenses to the VAN company server 3 as shown in FIG. 5, the VAN company server 3 sends a request to the first user 100. Payment can be requested from one or more financial institutions corresponding to the payment method, and each financial institution can deposit money into a pre-designated escrow account through the bank 500.

For example, in the case where the first user 100 pays for congratulatory and condolence expenses by card, the congratulatory and condolence financial processing system 2 requests payment to the VAN company server 3, and the VAN company server 3 uses Card payment approval can be requested from the card company server (5) corresponding to the credit card. The card company server 5 determines whether to approve the requested card payment, and if the card payment is approved, the payment amount corresponding to the approved amount is transferred to the escrow account through the bank 500. Payment by the card company can be made in real time or at preset intervals.

When the payment for the congratulatory and condolence expenses requested by the first user 100 is completed, the financial institution servers 3 and 5 may transmit a payment completion notification to the congratulatory and condolence financial processing system 2 (S14). Additionally, the congratulatory and condolence financial processing system 2 may transmit a payment completion notification to the user device 1 of the first user 100 corresponding to the payer (S15). In this specification, payment completion notification refers to arbitrary information to notify the user that the payment requested by the user has been completed, including financial institution text, information inquiry through API (Application Programming Interface), text message such as SMS, email, and user device. (1) Information may be transmitted in any way, such as push notification through an application running on the computer, and is not limited to a specific type of notification.

In one embodiment, the congratulatory and condolence financial processing system 2 sends payment information to the user device 4 of the second user 400 in response to the completion of payment of congratulatory and condolence expenses with the second user 400 as the recipient. Can be transmitted (S16). This is to notify the chief of mourning, married couple, etc. of the fact that the congratulatory and condolence expenses have been paid by the congratulatory guests or mourners, so that the chief of mourning, the in-laws, etc. can recognize the details of the congratulatory and condolence expenses and express appropriate gratitude to the congratulatory guests or mourners. Like the payment completion notification, payment information transmitted to the second user 400 may also be transmitted to the user device 4 in any form, such as text or SNS message, email, or push notification through an application.

Figure 6 is a flowchart showing each step of a congratulatory and condolence financial processing method according to another embodiment, and is intended to explain the process of receiving payment of congratulatory and condolence funds collected by a resident or a married couple. In addition, FIG. 7 is a conceptual diagram showing the process of processing congratulations and condolences by the congratulations and condolences financial processing method shown in FIG. 6.

Referring to FIGS. 6 and 7, a second user 400, such as a resident or a married couple, who wishes to receive congratulatory and condolence expenses, accesses the congratulatory and condolence financial processing system 2 using the user device 4 and receives the congratulatory and condolence expenses raised for him/her. Payment can be requested (S21). For example, the second user 400 checks the balance or transaction details of the escrow account corresponding to the user through the interface provided by the congratulatory and condolence financial processing system 2, and determines the congratulatory and condolence expenses corresponding to part or all of the current balance. You can request payment.

In one embodiment, the second user 400 may input account information (bank, account number, depositor's date of birth, etc.) corresponding to a real account in his/her name into the congratulatory/condolence financial processing system (2) in order to receive payment of congratulatory/condolence expenses. (S22). In addition, in one embodiment, the second user 400 adds verification information such as a wedding invitation, marriage confirmation certificate, family relationship certificate, and funeral-related documents to the congratulations and condolences financial processing system 2 in order to prove that the congratulations and condolences that occurred to him or her are true. It can be entered as (S22).

In one embodiment, the congratulatory and condolence financial processing system 2 allows the second user 400 to calculate his or her congratulatory and condolence expenses income in calculating taxes for tax collection agencies such as the National Tax Service, based on supporting information input from the second user 400. You can create tax reporting information to receive a tax-free refund (S23). For example, the congratulatory and condolence financial processing system 2 stores information on the amount of congratulatory and condolence expenses paid by other users to the second user 400, and combines this amount information with the supporting information provided by the second user 400 to You can generate tax reporting information.

The congratulatory and condolence financial processing system 2 may transmit the generated tax report information to the tax collection agency server 6 for tax exemption refund processing for the second user 400 (S24). The above operation may be performed in response to the second user 400 requesting tax-free refund processing for the congratulatory and condolence expenses received by the second user 400, or the congratulatory and condolence financial processing system even if there is no separate request by the second user 400. It can also be done automatically by (2).

In one embodiment, the congratulations and condolences financial processing system 2 may further verify the supporting information provided by the second user 400 before transmitting the tax report information to the tax collection agency server 6. This is to prevent tax-free refund reports made through the congratulations and condolences financial processing system (2) from being used for tax avoidance through unexplained cash transfers between individual users.

For example, in this embodiment, the congratulations and condolences financial processing system 2 receives a wedding invitation, marriage confirmation certificate, family relationship certificate, funeral-related documents, etc. from the second user 400, while verifying these supporting documents. 2 Authentication information (eg, public certificate and password, etc.) of the user 400 can be received. The tax management module of the congratulations and condolences financial processing system (2) receives the authentication information of the second user (400) and sends it to the family of the second user (400) from a civil service server such as the Supreme Court Electronic Family Relationship Registration System. Relationship registration information may be received, and it may be verified whether the change details in the received family relationship registration information match the congratulatory/condolence details entered by the second user 400.

For example, if the second user 400 is married, the spouse will be added to the family relationship registration information, and if the second user 400 pays a funeral, the deceased will not be included in the family relationship registration information. Therefore, the congratulatory and condolence financial processing system 2 determines whether the spouse is added to the family relationship in the case of marriage, or whether the family corresponding to the relationship between the second user 400 and the deceased does not exist in the family relationship registration information in the case of a funeral. The authenticity of the congratulations and condolences can be verified by automatically checking the authenticity of the congratulations and condolences. The above verification process may be performed after a preset period (e.g., 1 year) from the time the second user 400 registers the details of congratulations and condolences, or may be performed at the time of a preset tax return, such as at the end of the year, or after the second user 400 ) may be performed at the time of requesting a refund for congratulations and condolences expenses.

Meanwhile, the congratulatory and condolence financial processing system 2 sends the congratulatory and condolence expenses requested by the second user 400 to the financial institution servers 3 and 5 in order to pay the congratulatory and condolence expenses from the escrow account to the real account in the name of the second user 400. You can request (S25). At this time, the congratulatory and condolence financial processing system 2 may further transmit the real name and account information of the second user to the financial institution servers 3 and 5 in order to authenticate the second user's identity to the financial institution. At this time, the financial institution servers 3 and 5 refer to a bank in which an escrow account corresponding to the second user 400 is opened.

For example, when the congratulatory and condolence financial processing system 2 requests payment of congratulatory and condolence expenses to the VAN company server 3 as shown in FIG. 7, the VAN company server 3 sends a request to the bank 500 where the escrow account is opened. Payment of congratulatory and condolence expenses can be requested from the escrow account to the actual account of the second user 400. For the above operation, the congratulations and condolences financial processing system 2 can transmit the real name and account information of the second user 400 to the VAN company server 3, and the VAN company server 3 can transmit this to the bank 500. It may be possible.

The bank 500, which has received a request for account transfer for payment of congratulatory and condolence expenses, may perform identity verification to determine whether the second user 400 is the person corresponding to the corresponding escrow account. For example, in one embodiment, identity authentication may include a process of checking the real name of the depositor using the real name of the second user and account information transmitted by the second user 400. If it is verified that the account information transmitted by the second user 400 is the real account of the second user 400, the bank 500 transfers part or all of the balance of the escrow account to the real account of the second user 400. You can transfer (S26).

However, in another embodiment, the real name inquiry process for the account of the second user 400 is performed by the congratulatory and condolence financial processing system 2, and may be transmitted to the financial institution servers 3 and 5 along with a request for payment of congratulatory and condolence expenses. . In addition, the real name search API provided by an external authentication service server (not shown) may be utilized in the real name search process by the congratulations and condolences financial processing system (2). For example, the congratulations and condolences financial processing system 2 transmits the account number, name, and date of birth of the second user 400 to the authentication service server to verify whether the account number is the real account of the second user. .

The financial institution server (3, 5) receives the account verification result by the family event financial processing system (2), or the financial institution server (3, 5) processes the depositor's real name inquiry on its own, and the account is verified by the second user ( 400) After verifying that it is the user's account, the congratulatory and condolence expenses can be transferred to the actual account of the second user (400). In addition, when the transfer of the congratulatory and condolence expenses is completed, the financial institution servers 3 and 5 can transmit a notification of the deposit result to the congratulatory and condolence financial processing system 2 (S27). Additionally, the congratulatory and condolence financial processing system 2 may transmit a notification about the deposit result to the user device 4 of the second user 400 (S28).

In one embodiment, the congratulatory and condolence financial processing system 2 allows the first user 100 to pay for one congratulatory and condolence expense using a plurality of payment methods, but allows the first user 100 to pay for one congratulation and condolence expense using a plurality of payment methods. For payment of congratulatory and condolence expenses, this is collected, one payment information is created and transmitted to the second user (400), so that the first user (100) who pays congratulatory and condolence expenses to others can mix and use various payment methods depending on the situation. there is.

In this embodiment, the first user 100 who pays the congratulatory and condolence expenses to the congratulatory and condolence financial processing system 2 inputs the second user 400 who will receive the congratulatory and condolence expenses paid by the user and the contents of the corresponding congratulation and condolence. Part of the congratulatory and condolence expenses that a person wishes to pay for a congratulatory or condolence event can be paid using the first payment method, and the other part can be paid using a second payment method that is different from this. For example, the first user 100 pays part of the congratulatory and condolence expenses with a credit card and the other part by bank transfer, or pays part of the congratulation and condolence expenses with a first card while paying the other part with a different second card, etc. You can use multiple payment methods depending on your financial situation or needs.

In order to realize payment using different payment methods, the congratulations and condolences financial processing system 2 must request payment from the financial institution servers 3 and 5 corresponding to each of the plurality of payment methods. However, since these multiple payment cases are for paying congratulatory and condolence expenses for the same congratulatory or condolence event with the same second user 400 as the recipient, in this embodiment, the congratulatory and condolence financial processing system 2 receives the plurality of payments requested by the first user 100. After a transaction is completed, payment details can be collected into one payment information. For example, if the first user 100 transfers 100,000 won by bank transfer and pays 100,000 won by credit card for the same family event, the family event financial processing system 2 collects these payment details and calculates the payment amount 20 One payment information including 10,000 won can be created and transmitted to the second user 400.

In another embodiment, the congratulatory and condolence financial processing system 2 may collect payment details made by an organization including a plurality of users into one payment information and transmit it to the second user 400. For example, there are cases where congratulations and condolences are paid in the name of a group such as a company, alumni association, or religious group, rather than in the name of an individual. In this case, among the plurality of first users (100) who wish to pay congratulatory and condolence expenses in the name of a group, one user designates the recipient of the congratulatory and condolence expenses and the contents of the congratulatory and condolence expenses, as well as the second user (400) for the congratulatory and condolence expenses to be paid by the user. ) You can enter the name of the organization you want to expose to and the first users 400 belonging to the organization.

When a first user (100) belonging to a specific organization accesses the congratulatory and condolence financial processing system (2), congratulatory and condolence information (recipient of congratulatory and condolence funds and details of congratulations and condolences) related to the organization to which the user belongs is stored in the user's device (1). may be exposed to Each first user 100 may request payment of congratulatory and condolence expenses from the congratulatory and condolence financial processing system 2 in the same manner as when paying congratulatory and condolence expenses in an individual's name. However, in this embodiment, the congratulatory and condolence financial processing system 2 waits until the payment of congratulatory and condolence expenses by a plurality of first users 100 constituting a specific organization is completed, and then the payment of congratulatory and condolence expenses by all members of the organization is completed. When is completed, one payment information that collects payment details for congratulations and condolences by members of the relevant organization can be transmitted to the second user 400 corresponding to the resident or full-time resident.

In this embodiment, the payment information provided by the second user 400 includes the name of the organization and the total amount of congratulatory and condolence expenses paid by members of the organization, such as "OO High School Alumni Association, 500,000 won," etc. The amount paid for congratulations and condolences by each member may not be included. Alternatively, the payment information transmitted to the second user 400 includes only the name of the organization and the total amount of congratulatory and condolence expenses by members of the organization, but the second user 400 accesses the congratulatory and condolence financial processing system 2 to provide detailed payment information. When requesting to view the details, it is also possible to additionally provide individual payment information by each first user 100 constituting the relevant organization to the second user 400.

In one embodiment, the congratulatory and condolence financial processing system 2 may automatically determine or recommend a group name to be exposed to a married couple or resident, etc., based on the members constituting the group. For example, in the "OO Alumni Association" consisting of users "A", "Eul", "Byeong", and "Jeong", if "A" has a family event, the remaining users "Eul", "Byeong", and "Jeong" You can send congratulatory and condolence expenses to “A” in the name of this “OO Alumni Association,” and the congratulatory and condolence financial processing system (2) will send congratulatory and condolence expenses to “B,” “Byeong,” and “Jeong” in the name of the organization called “OO Alumni Association.” , the information of four users, including “A” who received the congratulatory and condolence funds, can be saved as a user list corresponding to “OO Alumni Association”.

Afterwards, if there is a congratulatory or condolence event for “Jeong,” another user in the group, “A,” “B,” and “Byeong” will form a group and try to pay the congratulatory or condolence expenses to “Jeong.” In this case, the congratulations and condolences financial processing system (2) creates a list of four users by adding "Jeong" who will receive the congratulations and condolences expenses to the list of users "A", "B" and "B" who want to pay the congratulations and condolences expenses, In the existing congratulatory and condolence expense payment details of the congratulations and condolences financial processing system (2), the group name "OO Alumni Association" with the same user list can be recommended to "A", "B", and "B", respectively.

In the above example, searching for an organization name that matches all of the users with the existing stored user list was exemplified, but the user list created including the payer of the congratulations and condolences expenses (i.e., the first user) and the recipient of the congratulations and condolences expenses (i.e., the second user) In comparison, if there is a new group of payers of congratulatory and condolence expenses that matches a certain number of people, it is also possible to configure the interface to recommend to the first user that the same group name as the existing one be used when paying congratulatory and condolence expenses.

In one embodiment, when multiple payments made by the same or different first users 100 constitute one congratulatory/condolence expense, the congratulatory/condolence financial processing system 2 uses a predetermined identifier as a brief when depositing money into an escrow account. A request may be made to the financial institution servers 3 and 5 to input the payment information, and payment cases with the same identifier may be collected during the confirmation process for payment to the escrow account to generate one payment information to be transmitted to the second user 400.

For example, the identifier to be entered as a summary when making a deposit to an escrow account is a classification code indicating that the deposit is part of multiple payment cases (e.g., code 0 is a single payment case, code 1 is a multiple payment case, etc.) and the corresponding It may be composed of a character string and/or a number string including a code representing congratulatory or condolence information corresponding to the deposit (for example, a congratulatory or condolence serial number on the congratulations or condolences financial processing system 2), but is not limited thereto.

Figures 8 and 9 are conceptual diagrams of an example user interface (UI) provided by a financial processing system for congratulations and condolences according to an embodiment.

Referring to FIG. 8, the first user who wishes to pay the congratulatory and condolence expenses to another user as the recipient designates the user (i.e., the second user) to receive the congratulatory and condolence expenses using the UI provided by the congratulatory and condolence financial processing system and makes the payment himself. You can enter the amount of congratulatory and condolence expenses to be paid. Alternatively, in one embodiment, the first user may set the amount of congratulatory and condolence expenses to be paid by selecting one of the preset amount options provided by the congratulatory and condolence financial processing system.

For example, the first user may use the UI elements 801 and 802 to designate a payment method for congratulatory and condolence expenses as credit card payment, virtual account deposit, etc. Additionally, in the case of card payment, the first user can use the UI element 803 to input card information such as the card number, expiration date, card holder information, and password for payment. Alternatively, the first user may register one or more card information in advance in the family event financial processing system and perform payment by selecting one or more of the registered cards.

In one embodiment, the congratulatory and condolence financial processing system stores the details of congratulatory and condolence expenses paid or received by the user, and when the first user enters the amount of congratulatory and condolence expenses, recommended information about the amount of congratulatory and condolence expenses based on the details of congratulation and condolence expenses paid or received in the past. You can also create .

For example, in Korea, congratulatory and condolence expenses have a mutually beneficial nature, and unless there are other circumstances, it is common to pay the same amount of congratulatory and condolence expenses as the one previously received from the other party. At this time, the congratulation and condolence financial processing system searches the DB of the congratulatory and condolence financial processing system for the details of congratulatory and condolence expenses paid by the first user in the past from the recipient of the congratulatory and condolence expenses entered by the first user (i.e., the second user), and displays the corresponding congratulation and condolence expense details. Alternatively, the payment UI can be configured to set the payment amount for congratulatory and condolence expenses to be paid by the first user at the same amount as the corresponding congratulatory and condolence expense amount.

The first user checks the amount of congratulatory and condolence expenses he or she previously received through the payment UI provided by the congratulatory and condolence financial processing system, and automatically accepts the payment amount set to the same amount or manually modifies the payment amount to pay the congratulatory and condolence expenses. can do.

In one embodiment, the congratulatory and condolence financial processing system stores information on the type of congratulation or condolence (e.g., wedding, funeral, etc.) as well as the amount of congratulatory and condolence expenses when storing the details of congratulatory and condolence expenses exchanged between users, and the first user is the recipient. By configuring the payment UI to enter the type of congratulations and condolences and pay for the congratulations and condolences, the basic setting amount of congratulations and condolences to be paid by the first user this time is recommended based on the amount of congratulations and condolences previously paid by the first user from the recipient for the same type of congratulations and condolences. You may.

Referring to FIG. 9, the second user, who is a resident, living alone, etc., determines the amount that can be refunded (i.e., the congratulatory and condolence expenses raised to the second user) through the UI elements 901 and 902 provided by the congratulatory and condolence financial processing system. You can view and confirm. Additionally, the second user may input his/her account information (eg, opening bank, account number, account holder's date of birth, etc.) through the UI element 903 to receive the congratulatory and condolence expenses collected in the escrow account. Furthermore, the second user can receive verification of the account information through the UI element 904, that is, verification of whether the account is a real account in the user's name.

In one embodiment, verification of the account entered by the second user may be performed in two steps. In other words, the second user can authenticate his/her real name through communication with an authentication service organization such as a mobile communication service. In addition, when the second user enters account information including the bank, account number, and date of birth of the depositor for his or her account, the account information along with the real name of the authenticated second user is transmitted to the bank or authentication service organization, thereby allowing the second user to It can be verified whether the account entered is the real account of the second user. However, this is an example, and the identity authentication process of the second user to access the balance of the escrow account is not limited to the procedures described in this specification.

In addition, the payment and payment UI described above with reference to FIGS. 8 and 9 is merely exemplary, and the form, payment method, and payment method of the UI provided by the congratulatory and condolence financial processing system are as shown in the drawings of this specification. Not limited.

The operations of the congratulatory and condolence financial processing method according to the embodiments described above may be at least partially implemented as a computer program and recorded on a computer-readable recording medium. Computer-readable recording media on which programs for implementing operations according to the methods according to the embodiments are recorded include all types of recording devices that store data that can be read by a computer. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. Additionally, computer-readable recording media may be distributed across computer systems connected to a network, and computer-readable codes may be stored and executed in a distributed manner. Additionally, functional programs, codes, and code segments for implementing this embodiment can be easily understood by those skilled in the art to which this embodiment belongs.

The present invention discussed above has been described with reference to the embodiments shown in the drawings, but these are merely illustrative examples, and those skilled in the art will understand that various modifications and modifications of the embodiments are possible therefrom. However, such modifications should be considered within the technical protection scope of the present invention.

Claims (12)

As a congratulations and condolences financial processing system,
Receive a payment request using a credit card for congratulations and condolences to be paid to a second user from one or more first users, and communicate with a card company server corresponding to the credit card based on the payment request to collect the first user's payment amount A payment module configured to receive payment from a credit card company to a preset account; and
Receive a request for payment of congratulatory and condolence expenses containing account information in the name of the second user and supporting information for congratulations and condolences from the second user, and communicate with a financial institution server corresponding to the preset account to receive the second payment from the preset account Includes a refund management module configured to pay congratulatory and condolence expenses to an account in the user's name,
The preset account is an escrow account in which funds in the preset account can be transferred only after identity verification of the second user is performed with respect to the financial institution,
The refund management module is further configured to transmit the account information and the real name of the second user to a financial institution corresponding to the preset account in order to authenticate the identity of the second user,
Based on the supporting information and the information on the amount paid to the second user from the preset account, tax reporting information for processing a tax-free refund for the income of the second user's congratulatory and condolence expenses is generated, and the tax reporting information is used for tax collection. Further comprising a tax management module configured to transmit to an authority server,
By receiving the family relationship registration information of the second user from the civil affairs service server through a scraping method using the authentication information of the second user, and comparing the details of changes in the received family relationship registration information with the family relationship details of the second user A congratulations and condolences financial processing system further configured to verify the supporting information.
delete delete According to paragraph 1,
In response to the payment of the congratulatory and condolence expenses corresponding to the payment request being made, the congratulatory and condolence financial processing system further includes a notification module configured to transmit payment information to the second user.
delete Receiving, by a congratulatory and condolence financial processing system, a payment request using a credit card for congratulatory and condolence expenses to be paid to a second user from one or more first users;
The step of communicating, by the congratulations and condolences financial processing system, with a card company server corresponding to the credit card based on the payment request, in order to receive the first user's payment amount from the card company to a preset account;
Receiving, by the congratulations and condolences financial processing system, a request for payment of congratulations and condolences from the second user, including account information in the name of the second user and supporting information for the congratulations and condolences; and
Comprising the step of the congratulatory and condolence financial processing system communicating with a financial institution server corresponding to the preset account to pay congratulatory and condolence expenses from the preset account to an account in the name of the second user,
The preset account is an escrow account in which funds in the preset account can be transferred only after identity verification of the second user is performed with respect to the financial institution,
The step of communicating with the financial institution server includes, wherein the congratulations and condolences financial processing system transmits the account information and the real name of the second user to the financial institution corresponding to the preset account in order to authenticate the identity of the second user. Includes,
receiving, by the congratulations and condolences financial processing system, family relationship registration information of the second user from a civil service service server through a scraping method using the authentication information of the second user;
Verifying, by the congratulatory and condolence financial processing system, the supporting information by comparing details of changes in the received family relationship registration information with the congratulatory and condolence details of the second user;
Generating, by the congratulatory and condolence financial processing system, tax reporting information for processing a tax-free refund for the income of congratulatory and condolence expenses of the second user, based on the supporting information and information on the amount paid by the second user from the preset account. ; and
A congratulatory and condolence financial processing method further comprising the step of transmitting, by the congratulatory and condolence financial processing system, the tax report information to a tax collection agency server.
delete delete According to clause 6,
The congratulatory and condolence financial processing method further includes the step of transmitting, by the congratulatory and condolence financial processing system, payment information to the second user in response to payment of congratulatory and condolence expenses corresponding to the payment request.
delete A computer program stored in a computer-readable recording medium combined with hardware to execute the financial processing method for congratulations and condolences according to claim 6 or 9.
Memory storing executable instructions;
A communication module configured to communicate with an external system; and
In a computing device including a processor communicatively connected to the memory and the communication module,
The processor executes the instruction,
Receiving a payment request using a credit card for congratulatory and condolence expenses to be paid to a second user from one or more first users,
Communicates with the card company server corresponding to the credit card based on the payment request to receive the first user's payment amount from the card company to a preset account,
Receiving a request for payment of congratulatory and condolence expenses from the second user, including account information in the name of the second user and supporting information for congratulations and condolences,
Further configured to communicate with a financial institution server corresponding to the preset account to pay congratulatory and condolence expenses from the preset account to an account in the name of the second user,
The preset account is an escrow account in which funds in the preset account can be transferred only after identity verification of the second user is performed with respect to the financial institution,
The processor,
To authenticate the identity of the second user, transmit the account information and the real name of the second user to a financial institution corresponding to the preset account,
Receiving the family relationship registration information of the second user from the civil service service server by scraping using the authentication information of the second user,
Verifying the supporting information by comparing details of changes in the received family relationship registration information with details of family events and condolences of the second user,
Based on the supporting information and information on the amount paid by the second user from the preset account, generate tax reporting information for processing a tax-free refund for the income of the second user for congratulatory and condolence expenses,
A computing device further configured to transmit the tax return information to a tax collection agency server.

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