KR20030031713A - Server, system and method for providing various online service using tax bills - Google Patents

Abstract

PURPOSE: A server, system, and method for supplying an on-line service using a tax bill are provided to manage a tax bill generated in a transaction between companies by linking the tax bill with a financial commodity. CONSTITUTION: A tax bill issued in a transaction between companies is transmitted to a financial institution. The financial institution supplies various kinds of services through a financial institution server using the tax bill. If a company or an individual transmits the tax bill to the financial institution for using the service, the financial institution links a financial service, receives an approval of a guarantee for a subject who issued the tax bill from a guarantee institution, receives a company evaluation from an evaluation institution, or receives a predetermined financial service from other financial institution using the tax bill. Thus, the member uses services by linking with various kinds of services using the tax bill conveniently. The tax bill comprises contents and a format including all items necessary for receiving various kinds of financial services and link services. If the financial institution requests a tax bill format, a company or an individual issues a tax bill of a corresponding format when a transaction is generated. In addition, after issuing the tax bill, the company or individual transmits the tax bill to the financial institution.

Description

Server, system and method for providing various online service using tax bills

The present invention relates to a system for issuing tax invoices during on-offline transactions, and more particularly, to a server for managing tax invoices generated during intercompany transactions in connection with financial products and a management method thereof.

Typically, tax invoices are issued when a transaction is made between a seller and a buyer. The tax invoice is an important data used for calculating the balance between the seller and the buyer, paying various taxes according to the transaction details, and loans. Tax invoices have recently been driven by intermediary sites that engage in private or accredited certification bodies online to act on the basis of the activation of electronic commerce and the revision of the related VAT law.

However, the service provided by the existing online electronic tax invoice issuing site remains at a level that merely moves the function of the offline tax invoice online. First of all, the existing online electronic tax invoice issuing system does not provide a service that can take full advantage of the various functions using the tax invoice, that is, the function of corporate evaluation data or financial product use data.

Since the format of an existing electronic tax invoice depends on the server (or system, etc.) that issues it, it may be different from the format required by the financial institution when you want to receive financial product services with the issued tax invoice. In such a case, the disadvantage of having to prepare other required data other than the tax invoice according to the format of the financial institution may be further derived.

An object of the present invention is to provide a server that provides a variety of online services using the tax invoice.

Another object of the present invention is to provide a system for providing various online services using the tax invoice.

Another object of the present invention to provide an online service providing method using a tax invoice.

1 shows a first embodiment of an online service system using the tax invoice of the present invention.

FIG. 2 is an example of a detailed block diagram of an online service system using the tax invoice of FIG. 1.

Figure 3 shows another detailed embodiment of issuing an online tax invoice of the present invention and its linked service system.

Figure 4 is a schematic diagram of a service system for providing various services using the tax invoice of the present invention centering on the financial institution server.

5 is a flowchart illustrating a procedure for signing up and issuing a tax invoice to a financial institution server serving as an online service using the tax invoice of the present invention.

FIG. 6 is an embodiment for explaining a process in which an electronic payment service is linked after a tax invoice is stored in a server of a financial institution as shown in FIG. 5.

7 is a flowchart illustrating a procedure of a credit sales secured loan service.

8 is a flowchart illustrating a procedure of a buyer loan service.

9 is a flowchart illustrating a procedure of a purchase guarantee application related service.

10 is a flowchart illustrating a flowchart of an online service using a tax invoice through a marketplace.

In order to achieve the above object, the online service system using the tax invoice shares the tax invoice information with the seller who issued the tax invoice, and uses the tax invoice to provide the seller or the buyer with the financial products service and the connection with a predetermined credit institution. According to the warranty service, or a server for providing data submission service to a predetermined tax agency on behalf of the seller or buyer.

In order to achieve the above another object, an online service system using a tax invoice includes: a tax invoice issuer for issuing a tax invoice including a breakdown when a transaction is made; And a financial institution that receives the tax invoice information from the issuer of the tax invoice and performs financial service, guarantee service or tax payment agent service using the information.

The document format of the tax invoice is preferably that the financial institution and the tax invoice issuer coincide with each other.

In order to achieve the above another object, a method of providing an online service in a financial institution using a tax invoice generated when a transaction occurs between a seller and a buyer includes: issuing the tax invoice by a seller and providing the financial institution to the financial institution; Providing, by the financial institution, a predetermined financial service using the tax invoice; And providing, by the financial institution, a guarantee service or a tax payment agent service linked to a predetermined guarantee institution using the tax invoice.

The tax invoice is preferably made by a format provided by the financial institution.

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

1 shows a first embodiment of an online service system using the tax invoice of the present invention.

The system of FIG. 1 consists of a tax invoice issuer 100, a financial institution 110, and a service interlocker 120.

The tax invoice issuer 100 refers to a seller who issues a tax invoice or transaction receipt in which transaction details such as receipt of payments are written according to a transaction occurrence, and generally refers to a seller. The tax invoice issuer 100 issues the tax invoice in a predetermined format online or offline.

The financial institution 110 corresponds to a database server of a financial institution such as a bank, which receives and stores a tax invoice issued by the seller from the seller. The tax invoice issued by the tax invoice issuer 100 is sent to the financial institution 110 and stored together with the issuance. The format of the tax invoice may be previously defined such that the tax invoice issuer 100 and the financial institution managing the server use a format compatible with each other under agreement.

The service interlocker 120 provides financial-related services, tax-related services or guarantee-related services using the tax invoice stored in the financial institution 110. The service interlocker 120 is preferably a financial institution as its subject.

FIG. 2 is an example of a detailed block diagram of an online service system using the tax invoice of FIG. 1.

The system of FIG. 2 includes a large company 200, an agency 210, a supplier 220, a financial institution 230, an insurer 240 and a tax agency 250.

The large company 200 purchases the goods from the cooperative company 220 and pays the corresponding goods, and delivers the goods to the agency 210. As the transaction with the agent 210 is made, the large company 200 issues a tax invoice including the transaction details accordingly, stores it in its database 201, and shares the information with the financial institution 230.

The agency 210 sells the goods received from the large company 200 and issues and stores the tax invoice accordingly. The stored tax invoice shares the information with the financial institution 230.

The cooperative company 220 is a sales entity that serves to provide goods to the large company 210 and issue a tax invoice accordingly.

The financial institution 230 corresponds to an institution that mainly deals with financial affairs such as a bank, and provides a financial service using a tax invoice. In addition, in addition to the financial service, it can provide services such as guarantee or credit evaluation in connection with the assurance agency 240, and in connection with the tax institution 250 can be submitted for the data required for tax duties. The financial institution 230 stores the tax invoice issued by the large corporation 200, the agency 210, or the subcontractor 220 in its database 231 and uses it as data. ) Can be paid in advance to pay or provide a loan service requested by the supplier (220). Financial institution 230 also acts to report sales and purchase bills, such as tax invoices, to tax authorities 250, such as the IRS, on behalf of large corporations 200, distributors 210 or subcontractors 220, as requested later. can do.

The assurance agency 240 evaluates the credit of the large corporation 200, the agency 210, and the contractor 220 in the event of an inter-company transaction, based on the tax invoice presented by the financial institution 230, and the credit guarantee approval procedure. Perform the role of guaranteeing the contractor 220 by performing the.

Tax agency 250 is a large company (200), distributors 210 and partner companies (220) periodically submits sales and purchase bills to the tax imposed, such as the IRS. In the present invention, the sales and purchase statement submitted to the tax institution 250, the financial institution 230 acts for the report.

The large corporation 200, the agency 210, and the cooperative firm 220 share the tax invoice information by transmitting the tax invoice to the server of the financial institution 230 through a dedicated line with the financial institution 230 or through the Internet, respectively. In addition, the subject and the financial institution 230 that created the tax invoice according to a predetermined format on the financial institution's website and the information is shared, respectively. Thus, the format of the tax invoice is a single one that can be shared between the issuer 200, 210 or 220 and the financial institution 230. After issuing a tax invoice from a company or the like and transmitting the tax invoice to the financial institution 230, the server of the financial institution 230 receives the corporate tax invoice in advance, and guarantees with various services related to financial services and the guarantee institution 240. This may be done after agreeing to (or joining) to provide an agency service, a tax filing agency service to the tax agency 250, and the like. When the company sends the tax invoice online to the financial institution 230 through the agreement (subscription) procedure described above, the server of the financial institution 230 uses the data to make a credit payment to the counterparty (purchaser) with which the transaction was made. Provide financial services, such as payment in advance or loans to counterparties when the counterparties (sellers) provide credit receivables as collateral. In the latter case, the financial institution 230 inherits the status of the creditor from the selling company, and the loan is automatically repaid when the large company 200 or the agent 210 which is the purchasing company pays the payment. The purchaser 200/210 or the seller 220 may apply for a guarantee for payment after purchase of the goods to the guarantee institution 240 if necessary according to the terms of the sale, and thus the guarantee institution 240 may request the financial institution 230. The transaction information through this tax invoice is used to perform credit evaluation according to a predetermined evaluation standard, and accordingly determine whether to approve the guarantee. The result of the guarantee approval is first notified to the financial institution 230.

Figure 3 shows another detailed embodiment of issuing an online tax invoice of the present invention and its linked service system.

The system of FIG. 3 includes a buyer 300, a first seller 310, a second seller 311, a marketplace 320, a financial institution 330, an assurance agency 340. And a tax agency 350.

The buyer 300 is an individual or a company that serves to purchase and pay for the goods.

Sellers 310 and 311 provide the goods and issue the tax invoice accordingly to the marketplace 320.

The marketplace 320 connects the buyer 300 and the sellers 310 and 311 online to broker transactions and contracts. When a transaction is made between the buyer 300 and the seller 310 or 311, the marketplace 320 issues and stores a tax invoice under the supervision of the buyer 300 and the seller 310 or 311 and stores it and the financial institution 330. To be notified and sent professionally. Marketplace 320 issues a tax invoice in a format shared with or provided by financial institution 330. The information on the tax invoice is stored in databases of financial institutions and marketplaces and is notified to the trading partners.

The financial institution 330 provides various financial services by using the tax invoice provided by the marketplace 320 as data and guarantees the sellers 310 and 311 or the buyers 300 when they are required. When the tax invoice is provided to the institution 340 in connection with the guarantee service, and the buyer 300 or the seller 310 or 311 needs to provide data on purchase and sales to the tax authority 350 such as the National Tax Service. For example, a tax invoice may be stored on behalf of the submission of such data.

The guarantee institution 340 serves as an authorized credit rating agency, and in accordance with the prior agreement with the financial institution 330, the buyer (using the tax invoice of the financial institution 330 with respect to the buyer 300 requesting the guarantee) It evaluates the credit of the 300 and determines whether to guarantee the warranty accordingly and notifies the buyer 300, the seller (310 or 311) and the financial institution (330) of the counterpart of the transaction.

Figure 4 is a schematic diagram of a service system for providing various services using the tax invoice of the present invention centering on the financial institution server.

The system of FIG. 4 is composed of a financial institution 400, an assurance institution 410, an evaluation institution 420, a second financial institution 430, and a tax institution 440.

The tax invoice issued when a business transaction occurs is transmitted to the financial institution 400, and the financial institution 400 uses the tax invoice to provide various services through the server 401 that provides financial services unique to the financial institution 400. To provide. Such a service is known through a website of the financial institution 400 or the like. If a company or individual who wants to use this service registers using the website of the financial institution 400 and sends a tax invoice issued at the time of transaction to the financial institution 400, the financial institution 400 receives the tax. Use the bill to link with your own financial services, approve the guarantee of the entity that issued the tax invoice from the insurer 410, obtain corporate valuation from the valuation agency 420, or prescribe a financing from another financial institution 430. In conjunction with the various services on which tax invoices are used, such as receiving services, these services can be conveniently used for those who are registered. In addition, the financial institution 400 may further provide a function of reporting on behalf of the tax institution 440, such as the National Tax Service, such as purchase sales declaration of the target member. The tax invoice must be in a content and format that includes all items necessary for the financial institution 400 to receive the various financial services and related link services described above, which format can be presented by the financial institution 400. have. When the financial institution 400 presents the tax invoice format, the company or individual who issues it issues a tax invoice of the corresponding format when a transaction occurs later, and transmits the tax invoice to the financial institution 400 after issuance.

An example of a detailed operation method of the online service system using the above-described tax invoice will be described below.

The operation method of the online service system using the tax invoice of the present invention includes a subscription to a financial institution server providing such a service, issuing a tax invoice, interworking with a payment system, loans for credit receivables, purchase fund loans, purchase guarantee applications, The order of issuing the bills on the market place will be explained below.

First, FIG. 5 is a flowchart illustrating a procedure for signing up and issuing a tax invoice to a financial institution server serving as an online service using the tax invoice of the present invention.

First, the seller and the buyer sign up to receive online service benefits using the tax invoice of the present invention provided by the financial institution through a website provided by the financial institution. If a transaction occurs between the seller and the buyer after signing up, if the seller has a predetermined general document format, such as XML, the seller will issue and save a tax invoice for the document format and send it to a financial institution. If it does not have a predetermined general document format, the tax invoice is issued according to the document format provided by the financial institution and stored in the financial institution. In the latter case, the seller is provided with the format of the tax invoice through the website provided by the financial institution and enters the tax invoice item in accordance with the format to issue the tax invoice using the financial institution's server. have. In this way, if the tax invoice issued by the seller is stored in the financial institution, the purchaser can request the issuance details from the financial institution through the Internet or a leased line, and can inquire it. In addition, financial institutions can use the stored tax invoices to link various related services for buyers or sellers from other agencies, such as IRSs, accountants, evaluation agencies, and insurers.

FIG. 6 is an embodiment for explaining a process in which an electronic payment service is linked after a tax invoice is stored in a server of a financial institution as shown in FIG. 5.

When a tax invoice is issued between the buyer and the seller, the buyer must pay the seller on the due date. In this case, when the buyer and the financial institution are connected by a leased line or XML client / server module, the buyer can check the details of payment due date and payment amount through its own database linked with the financial institution's database, and connect to the leased line or XML client / server module. If not, check the details of the tax invoice sent to the financial institution's website and check the payment details. When the payment date arrives, the user enters the web site of the financial institution and processes the payment through a predetermined payment method (card, draft, cash, loan, etc.). The payment result is stored by the financial institution and notified to the buyer and seller.

7 is a flowchart illustrating a procedure of a credit sales secured loan service. Based on the tax invoice issued by the seller in FIG. 5, when the seller subsequently applies for loans secured by credit sales, financial institutions provide loan services. Sellers can view their outstanding transactions through their own database, which interoperates with the financial institution's database according to leased lines or XML client / server modules, or by using the financial institution's website. If there is an outstanding transaction and the seller wants a loan, the seller applies for a loan service on the financial institution's website. Loan application-related services can be provided by financial institutions through their websites. The financial institution receives the loan application from the seller and evaluates the buyer's credit using the tax invoice previously issued by the seller. At this time, if a guarantee or collateral is required, the guarantee body is requested and the data such as a tax invoice is transmitted. The guarantee institution examines the buyer's guarantee from the data of the tax invoice and transmits the approval result to the financial institution. The financial institution performs the buyer's credit rating, and if the loan is approved accordingly, the lender makes a loan to the seller, stores the result on its own, and notifies the buyer and seller, respectively. Loan repayment occurs when the buyer repays the receivables to the financial institution.

8 is a flowchart illustrating a procedure of a buyer loan service. After receiving the online service of using the tax invoice of the financial institution through a membership registration process as shown in FIG. 5, the buyer may apply for a loan to the financial institution. The buyer applies for a loan, for example, through an application in a form provided by the financial institution on the financial institution's website. The financial institution receives this and performs a credit rating on the buyer. At this time, the tax invoice including the transaction details with the buyer previously issued by the seller is used as the data. At this time, if a guarantee or collateral is needed, the financial institution requests the guarantee from the guarantee institution and transmits data such as a tax invoice. The guarantee institution examines the buyer's guarantee from the data of the tax invoice and informs the financial institution and the buyer of the approval result. The financial institution performs the buyer's credit rating, and if the loan is approved accordingly, the lender makes a loan to the buyer and stores the result on its own.

9 is a flowchart illustrating a procedure of a purchase guarantee application related service.

Seller and Buyer may enter into a provisional contract prior to the contract, and Seller may require a credit guarantee issued by the insurer as collateral for the purchaser's payment to the provisional contract. When the seller and the buyer register the contents on the financial institution's server at the time of the provisional contract, the financial institution requests the purchase guarantee from the guarantee institution. When applying for a guarantee, the financial institution sends the previously stored tax invoice to the guarantee institution as a guarantee credit evaluation data. The insurer reviews the issue of the credit guarantee based on the data of the tax invoice and transmits the result to the financial institution. The financial institution will notify the buyer again of the notification from the guarantee institution.

10 is a flowchart illustrating a flowchart of an online service using a tax invoice through a marketplace. The buyer and seller enter into a provisional contract for the transaction on the marketplace and determine the payment method for it. If the buyer wishes to receive a purchase card or loan service as a means of payment, the marketplace sends the provisional tax invoice to the financial institution. The financial institution notifies the marketplace whether the payment card has been approved after confirming the purchase card limit or credit guarantee. If an approval notice is sent from a financial institution, a substantive agreement is entered into between the buyer and seller through the intermediary of the marketplace. The tax invoice generated at this time is sent back to the financial institution or completed through the financial institution's website and stored in the financial institution's database. The seller, upon notification of the contract, delivers the goods to the buyer, who confirms the delivery of the goods and notifies them to the marketplace and the financial institution. The financial institution pays the goods to the seller through the payment method selected by the buyer on the basis of the notice of delivery of the goods.

According to the present invention, it is possible to receive financial services, credit evaluation and guarantees, tax service related services, etc. from financial institutions sharing a tax invoice, thereby increasing convenience of sellers and buyers.

Claims (5)

Share tax invoice information with the seller who issued the tax invoice, and use the tax invoice to provide financial services to the seller or buyer, guarantee service in connection with a predetermined credit institution, or submit data to a designated tax authority on behalf of the seller or buyer. Online service system comprising a server that provides. In the online service system using the tax invoice, A tax invoice issuer that issues a tax invoice including a breakdown when the transaction is made; And And a financial institution that receives the tax invoice information from the issuer of the tax invoice and uses the information to perform a financial service, a guarantee service, or a tax payment agent. The on-line service system according to claim 2, wherein the document format of the tax invoice uses that the financial institution and the tax invoice issuer coincide with each other. In the way that financial institutions provide online services using the tax invoice generated when a transaction occurs between the seller and the buyer, A seller issuing and providing the tax invoice to a financial institution; Providing, by the financial institution, a predetermined financial service using the tax invoice; And And providing, by the financial institution, a guarantee service or a tax payment agent service linked with a predetermined guarantee institution using the tax invoice. The method of claim 4, wherein the tax invoice is generated by a format provided by the financial institution.