KR20120075921A - Method of on-line payment for prevention of tax evasion - Google Patents

Method of on-line payment for prevention of tax evasion Download PDF

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Publication number
KR20120075921A
KR20120075921A KR1020100137833A KR20100137833A KR20120075921A KR 20120075921 A KR20120075921 A KR 20120075921A KR 1020100137833 A KR1020100137833 A KR 1020100137833A KR 20100137833 A KR20100137833 A KR 20100137833A KR 20120075921 A KR20120075921 A KR 20120075921A
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payment
server
open market
integrated
company server
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KR1020100137833A
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Korean (ko)
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이명수
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이명수
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

PURPOSE: An online financial payment method for preventing tax evasion is provided to utilize clear sale information by executing payment processes through an integrated system in an open market. CONSTITUTION: A buyer terminal(100) requests purchase payment to an open market server(200) by connecting to the open market server. The open market server interlocks the buyer terminal with an unified payment server(300). A payment method is selected from the buyer terminal. The integrated payment server receives payment information according to the inputted payment method. The integrated payment server transmits the payment information according to the payment method.

Description

Online financial settlement method to prevent tax evasion {METHOD OF ON-LINE PAYMENT FOR PREVENTION OF TAX EVASION}

The present invention relates to an online financial settlement method in which an IRS server receives an online payment history and uses it for national tax administration to prevent tax evasion.

In recent years, various forms of e-commerce have emerged, and the largest portion of them is the open market. Looking at the payment service made in such an open market, as shown in Figure 1, the payment is made using a different server according to the payment method.

Looking at the payment method used in the open market, 1) prepaid payment method using the prepayment deposit, 2) payment method using the gift certificate issued by the shopping mall, 3) using direct bank transfer, 4 5) Mobile phone payment that adds the payment amount to mobile phone payment and 5) Card payment that uses credit card is used as a means of payment.

Looking at each payment method, first, in the case of 1) prepayment and 2) gift voucher payment, the buyer terminal 20 is connected to the open market server 10, transmits the payment information, the open market server 10 is The payment is performed by updating the stored data.

On the other hand, 3) looking at the payment method of the account transfer, the buyer terminal 20 is connected to the financial company server 30 to perform the account transfer, the financial company server 30 is the open market server ( 10) carry out the payment.

And 4) in the case of mobile phone payment, the buyer terminal 20 is connected to the carrier server 40, transmits the payment information, the carrier server 40 executes the payment, the result is the open market server 10 Make a payment by sending to.

In addition, 5) in the case of card payment, the purchaser terminal 20 accesses the electronic financial payment server 50 and proceeds with the credit card payment process, and then transmits the processing result to the open market server 10 to perform payment. do.

On the other hand, after the purchaser has made a payment, the open market server 10 transmits the payment information to the seller terminal 60, and the seller terminal 60 transmits the shipping information to the logistics company server (for delivery of goods). 70).

However, the conventional electronic payment method has the following problems.

That is, it is limited to the open market server to acquire the payment details due to the various payment methods of the buyer, and the open market server submits the payment information as the tax data according to the open market voluntary action. Is being performed.

Therefore, there was a problem that the sales history of the seller, as well as the omission of the open market sales history through gift voucher payment, prepaid payment and bank transfer.

On the other hand, looking at the type of the seller, it can be divided into general operators and simple operators. Here, the general operator pays the normal tax on the normal sales, whereas the simple operator pays the tax amount by voluntary reporting unless a certain period passes or the sales amount is not more than a certain amount.

Therefore, when the conventional payment method is applied, the seller registers as a simple business by using the fact that the sales history is not faithfully reported from the open market, and the actual sales are not reported. Frequently, tax evasion of huge amounts of money is maintained by maintaining the form of a simple business.

As such, when the seller intentionally changes the operator, not only the problem of tax evasion, but also the logistics company is difficult to recover the bonds to the seller for the logistics costs, causing a social problem.

Such a problem can be confirmed from the fact that the majority of sellers are registered as simple businesses on the actual open market.

The present invention has been made to solve the conventional problems as described above, the object of the present invention is to perform a payment process using an integrated system in the online payment process in the open market, clear sales information to the salvation administration It is to provide an online financial settlement method to use.

According to a feature of the present invention for achieving the above object, the present invention comprises the steps of receiving a request for payment of the purchase price from the buyer terminal connected to the open market server; The open market server interworking an integrated payment server with the purchaser terminal; Receiving a selection of a payment method from the buyer terminal; Receiving payment information according to the payment method input by the integrated payment server; Transmitting, by the integrated payment server, payment information to any one of the open market server, a financial company server, a communication company server, and an electronic financial company server according to the payment method; Executing any one of the open market server, a financial company server, a communication company server, or an electronic financial company server to which the payment information is transmitted using the payment information; Determining, by the open market server, whether to approve a transaction according to a result of executing the payment process; Transmitting the transaction approval to the integrated payment server; And generating, by the integrated payment server, transaction history information and transmitting the transaction history information to the IRS server.

The present invention includes receiving a request for payment of a purchase price from a buyer terminal connected to an open market server; Receiving a selection of a payment method from the buyer terminal; The open market server interworking any one of a financial company server, a communication company server, and an electronic financial company server with the purchaser terminal according to the payment method; Executing the payment process by any one of the open market server, the financial company server, the telecommunication company server, or the electronic financial company server using the payment information input from the buyer terminal; Transmitting the execution result to an integrated payment server by any one of the open market server, a financial company server, a communication company server, or an electronic financial company server that has executed the payment process; Transmitting, by the integrated payment server, a settlement execution result to the open market server; The integrated payment server includes an online financial settlement method for preventing tax evasion, which includes the step of generating transaction history information and transmitting the transaction history information to the IRS server.

The transaction history information may include any one or more of a payment method, a total amount of money, a product price, a logistics cost, a discount type, or a discount amount information.

In the present invention as described above, the following effects can be expected.

In other words, the financial transaction history through the online shopping mall becomes transparent, and thus, there is an advantage of preventing gaps in national tax administration.

Furthermore, since the financial transaction history becomes transparent, it is possible to prevent the general taxable person who has a lot of sales from operating as a simple operator, thereby preventing intentional bankruptcy or intentional change of the operator. It has the advantage of establishing a trading order by preventing it.

1 is a block diagram showing a payment system of a conventional online shopping mall.
Figure 2 is a block diagram showing a specific embodiment of the online financial settlement system according to the present invention.
Figure 3 is a flow chart showing a specific embodiment of the online financial payment method according to the present invention.
4 is an exemplary view showing an example of a payment history applied to a specific embodiment of the online financial payment method according to the present invention.

Hereinafter, with reference to the accompanying drawings a specific embodiment of the online financial settlement method according to the present invention as described above will be described in detail.

Figure 2 is a block diagram showing a specific embodiment of the online financial settlement system according to the present invention, Figure 3 is a flowchart showing a specific embodiment of the online financial settlement method according to the present invention, Figure 4 is It is an exemplary view showing an example of payment details applied to a specific embodiment of the online financial payment method.

As shown in FIG. 2, an online financial settlement system for performing an online financial settlement method according to the present invention includes an open market server 200, a purchaser terminal 100, an integrated payment server 300, and a financial company server ( 400), the communication company server 500, the electronic financial settlement server 600, the seller terminal 800, the logistics company server 900 and the National Tax Service server (700).

The open market server 200 performs online sales, which means a general online shopping mall. However, when the open market server 200 receives a payment request from the purchaser terminal 100, the open market server 200 executes logic for interlocking the integrated payment server 300 to be described later, so that the purchaser terminal 100 receives the integrated payment server ( 300) to execute the function.

On the other hand, the buyer terminal 100 refers to a user terminal, a terminal that accesses the open market server 200 to select a purchase item and performs a payment process.

In addition, the integrated payment server 300, when the buyer terminal 100 requests the payment to the open market server 200, the buyer terminal 100 is connected to execute the payment, the open market Receives the sales information from the server 200, and receives the payment information from the buyer terminal 100 to execute the payment.

The integrated payment server 300 performs a different payment process according to the payment type selected by the purchaser terminal 100, and each payment process will be described in detail later in the method of performing the present invention.

In addition, the integrated payment server 300 performs a function of transmitting the executed payment details to the National Tax Service server (700).

Meanwhile, when the payment method selected by the purchaser terminal 100 is account transfer, the financial company server 400 transfers the account according to the information input by the purchaser terminal 100 through the relay of the integrated payment server 300. And executes the payment by transmitting the transfer result to the open market server 200. Of course, in this case, the transfer result is also received by the integrated payment server 300.

When the payment method selected by the buyer terminal 100 is a mobile phone payment, the telecommunication company server 500 executes a mobile phone payment according to the information input by the buyer terminal 100 through the relay of the integrated payment server 300. And, the payment result is transmitted to the open market server 200 and the integrated payment server 300.

In addition, when the payment method selected by the buyer terminal 100 is credit card payment, the electronic financial settlement server 600 according to the information input by the buyer terminal 100 through the relay of the integrated payment server 300. A credit card payment is performed, and the payment result is transmitted to the open market server 200 and the integrated payment server 300.

On the other hand, the open market server 200 is a payment according to the payment information received through the integrated payment server 300, the financial company server 400, the telecommunications company server 500 or the electronic financial payment server 600. Check and, if the payment is confirmed, the purchase information is sent to the seller terminal (800).

The seller receiving the purchase information transmits the delivery information to the logistics company server 900 for delivery of the purchased goods, and the logistics company server 900 delivers the corresponding goods to the buyer.

Meanwhile, the integrated payment server 300 relaying the purchaser's payment process transmits the payment details to the IRS server 700.

The IRS server 700 stores the transmitted payment history and provides the data of the national tax administration.

At this time, the payment history, the payment method, the total price, the price of goods, logistics costs and discount amount.

Hereinafter, specific embodiments of the online financial settlement method according to the present invention will be described in detail with the accompanying drawings.

3 is a flowchart illustrating a specific embodiment of the online financial settlement method according to the present invention.

As shown in the figure, the online financial settlement method according to the present invention is initiated by a payment request of a buyer connected to the open market server 200.

At this time, when the buyer requests a payment, the open market server 200 executes logic for connecting the buyer terminal 100 to the integrated payment server 300, and the buyer terminal 100 performs the integrated payment. The server 300 is connected.

The purchase process of the purchaser terminal 100 to the integrated payment server 300 is a technique used in the conventional online payment to generate various payment agency pop-ups when making a payment, and thus the detailed description thereof will not be provided.

Meanwhile, the purchaser terminal 100 connected to the integrated payment server 300 selects a payment method (S110).

Here, the payment method means selecting one or more payment methods of prepaid payment, gift voucher payment, bank transfer, mobile phone payment or card payment as described above.

After the buyer selects the payment method, the payment information is entered (S120). In this case, the payment information is different depending on the payment method, for example, in the case of payment of a gift certificate, may be a gift certificate number, etc., in the case of credit card payment may be information such as a card number, expiration date.

The integrated payment server 300 receiving the payment information classifies the payment information according to a payment method, and classifies the received payment information according to the classified payment method, the financial company server 400 and the communication company server 500, respectively. ), And transmits to the electronic financial settlement server 600 or the open market server 200 (S210, S220).

That is, when the payment method selected by the buyer terminal 100 is a wire transfer, the integrated payment server 300 transmits the payment information input by the buyer terminal 100 to the financial company server 400.

Receiving the payment information, the financial institution server proceeds to the account transfer process, and transmits / provides confirmation information on the transfer result to the open market server (S310 and S320).

Of course, although not shown, in this case, the confirmation information on the transfer result is delivered to the buyer through the integrated payment server 300.

On the other hand, the integrated payment server 300, when the payment method selected by the buyer terminal 100 is a mobile phone payment, and transmits the payment information input by the buyer terminal 100 to the communication company server 500.

Here, the communication company server 500 may be a server operated by an actual mobile communication company, or may be a payment agent server interworking with the communication company server 500 for mobile phone payment.

The communication company server 500 receiving the payment information proceeds with the mobile phone payment process and transmits the mobile phone payment confirmation information to the open market server 200 (S330 and S340). Since the mobile phone payment process corresponds to a known technology, it will not be described in detail herein.

Meanwhile, when the payment method selected by the buyer terminal 100 is credit card payment, the integrated payment server 300 transmits the payment information input by the buyer terminal 100 to the electronic financial settlement server 600. .

Here, the electronic financial settlement server 600 refers to a variety of credit card settlement agent servers that are widely used in recent years, and is operated by different servers according to each credit card company.

Receiving the payment information, the electronic financial settlement server 600 proceeds with the credit card payment process, and transmits the card payment confirmation information to the open market server 200 (S350, S360). Since the credit card payment process also corresponds to a known technology, it will not be described in detail herein.

On the other hand, the integrated payment server 300, if the payment method selected by the buyer terminal 100 is prepaid payment or gift voucher payment, electronic financial payment of the payment information input by the buyer terminal 100 to the open market server Send to server 600.

Here, the payment information is a value that depends on the payment method selected by the user, as described above, and refers to data input by the buyer for payment according to each payment method.

In addition, when the payment method selected by the buyer terminal 100 is a prepaid payment or a gift certificate payment, the integrated payment server 300 transmits the payment information input by the buyer to the open market server 200 to make a payment. Proceed.

On the other hand, the open market server 200 receives the confirmation information for the payment according to each payment method confirms the payment confirmation information, and approves the final transaction (S410, S420).

Thereafter, the transaction approval information is transmitted to the integrated payment server 300 (S430).

The integrated payment server 300 receiving the transaction approval information transmits the transaction approval information to the purchaser terminal 100 and transmits the details of the transaction to the IRS server 700 (S440, S450, and S460). .

On the other hand, the purchaser terminal 100 receives the transaction approval information and provides the transaction approval information to a buyer (S510).

In addition, the IRS server 700 having received the transaction details stores the received transaction details (S610).

At this time, the transaction details, as shown in Figure 4, the payment method, the total price, the price of goods, logistics costs and discount type and amount information, and the like. This is because when the online payment of the open market, the total amount for a large number of earners is summed and settled, so as to clarify each taxpayer in the total payment amount and use it for accurate taxation.

The rights of the present invention are not limited to the embodiments described above, but are defined by the claims, and those skilled in the art can make various modifications and adaptations within the scope of the claims. It is self-evident.

For example, in a specific embodiment of the present invention, the integrated payment server relays the open market server and the buyer terminal between the actual payment server (financial company server, telecommunication company server and electronic financial settlement server, etc.) and the buyer terminal, and transactions The method of transmitting the contents to the IRS server was explained.

However, in another embodiment of the present invention, the integrated payment server relays the open market server and the actual payment server between the actual payment server (financial company server, telecommunication company server and electronic financial payment server, etc.) and the open market server, and performs a transaction. It is also possible to send the contents to the IRS server.

In this embodiment, the user performs the payment in the same manner on the same payment server as before, and the transaction details are transmitted to the IRS server through the integrated payment server to have the same effect as the specific embodiment of the present invention.

The present invention relates to an online financial settlement method in which an IRS server receives an online payment history and uses it for national tax administration to prevent tax evasion. According to the present invention, a financial transaction history through an online shopping mall becomes transparent. This has the advantage of preventing gaps in national tax administration.

100: buyer terminal 200: open market server
300: integrated payment server 400: financial company server
500: communication company server 600: electronic banking payment server
700: National Tax Service 800: Seller's terminal
900: logistics company server

Claims (3)

Receiving a request for payment of a purchase price from a purchaser terminal connected to the open market server;
The open market server interworking an integrated payment server with the purchaser terminal;
Receiving a selection of a payment method from the buyer terminal;
Receiving payment information according to the payment method input by the integrated payment server;
Transmitting, by the integrated payment server, payment information to any one of the open market server, a financial company server, a communication company server, and an electronic financial company server according to the payment method;
Executing any one of the open market server, a financial company server, a communication company server, or an electronic financial company server to which the payment information is transmitted using the payment information;
Determining, by the open market server, whether to approve a transaction according to a result of executing the payment process;
Transmitting the transaction approval to the integrated payment server; And
The integrated payment server generates the transaction history information, and transmits to the National Tax Service server.
Receiving a request for payment of a purchase price from a purchaser terminal connected to the open market server;
Receiving a selection of a payment method from the buyer terminal;
The open market server interworking any one of a financial company server, a communication company server, and an electronic financial company server with the purchaser terminal according to the payment method;
Executing the payment process by any one of the open market server, the financial company server, the telecommunication company server, or the electronic financial company server using the payment information input from the purchaser terminal;
Transmitting the execution result to an integrated payment server by any one of the open market server, a financial company server, a communication company server, or an electronic financial company server that has executed the payment process;
Transmitting, by the integrated payment server, a settlement execution result to the open market server; And
The integrated payment server generates a transaction history information and the step of transmitting to the National Tax Service server, characterized in that executed online financial settlement method for preventing tax evasion.
The method according to claim 1 or 2,
The transaction history information,
An online financial settlement method for preventing tax evasion, comprising at least one of a settlement method, a total amount of money, a commodity price, a logistics cost, a discount type, and a discount amount information.
KR1020100137833A 2010-12-29 2010-12-29 Method of on-line payment for prevention of tax evasion KR20120075921A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101574156B1 (en) * 2013-09-03 2015-12-07 엔에이치엔엔터테인먼트 주식회사 Method and system for payment

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101574156B1 (en) * 2013-09-03 2015-12-07 엔에이치엔엔터테인먼트 주식회사 Method and system for payment

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