JP2023047795A - Automatic withdrawal support system for tax and social insurance premium - Google Patents

Abstract

To provide an automatic withdrawal support system for the tax payment and the social insurance premium capable of easily paying the tax and the social insurance premium.SOLUTION: In an automatic withdrawal support system for the tax and the social insurance premium, a first electronic passbook manages profits obtained by a user. A second electronic passbook manages the tax payment amount which is required by the user for the tax payment. A management server 700 includes: the income information database for storing the income information obtained from the work engaged by the user; and the tax rate information database in which the information on the user's tax rate calculated from the income information stored in the income information database. The tax payment amount of a tax payment portion calculated from the profits managed by the first electronic passbook based on the tax rate information stored in the tax rate information database is transferred to the second electronic passbook.SELECTED DRAWING: Figure 1

Description

The present invention is a social network service that enables anyone to play an active role regardless of various barriers and differences such as national borders, age, and the presence or absence of a disability. This is an automatic withdrawal support system for taxes and social insurance premiums, which enables a person who has a disability to easily pay taxes and social insurance premiums.

In the past, tax payment environments such as the national tax electronic filing and tax payment system (e-Tax) by the Regional Taxation Bureau have been developed, and taxpayers can file their tax returns from home, for example, without going to the tax office. In addition, taxpayers can file their final tax returns at the tax office as before, and municipalities set up tax return venues during the tax payment period (February to March each year), so they can also file their final tax returns at this time. can. Income tax is a national tax, and inhabitant tax is classified as a local tax. You only have to file a tax return at one of the places.
The same applies to the payment of local taxes and social insurance premiums.

Also, in recent years, the number of people who earn income from work using the Internet has increased, and the National Tax Agency is currently unable to fully grasp the income of these people. Tax collection is often incomplete.

Therefore, Patent Literature 1 discloses a system for automatically taxing and collecting taxes for content transactions on the Internet.

Japanese Patent Application Laid-Open No. 2001-344525

However, the invention of Patent Document 1 is a system that automatically performs tax payment and tax collection limited to content transactions, and it is not compatible with a wide variety of work using the Internet like this, and it is not suitable for tax payment and tax collection. is difficult to do.

The present invention has been made in view of such problems, and provides an automatic withdrawal support system for taxes and social insurance premiums that enables people engaged in work using the Internet to easily pay taxes and social insurance premiums. intended to provide

In order to achieve the above object, the automatic withdrawal support system for taxes and social insurance premiums of the present invention comprises a user terminal possessed by a user, a management server for managing information input from the user terminal, and An expert server that transmits advice from experts on how to use expenses and tax payment of the user, and first and second electronic passbooks for managing the income and tax payment amount obtained by the user. An automatic withdrawal support system for taxes and social insurance premiums, wherein the first electronic passbook manages the profits earned by the user, and the second electronic passbook allows the user to pay the tax amount required for tax payment. The management server includes an income information database storing income information obtained from the work that the user engages in, and tax rate information storing the user's tax rate information calculated from the income information stored in the income information database. and a database for transferring the tax payment amount calculated based on the tax rate information stored in the tax rate information database from the income managed in the first electronic passbook to the second electronic passbook. It is characterized by

Further, in the automatic withdrawal support system for taxes and social insurance premiums, the management server includes a job content database for registering the job content that the user engages in order to earn a profit, and a list of expense items approved according to the job content. and an expense information database for storing information, and determining whether the article purchased by the user corresponds to the expense item according to the job content registered by the user.

Further, in the automatic withdrawal support system for taxes and social insurance premiums, the expert server has an advice database for transmitting appropriate advice on how to use the user's expenses and tax payment, and the advice database includes the It is characterized by storing multiple pieces of advice on how to use expenses and tax payment as text data.

Further, in the automatic withdrawal support system for taxes and social insurance premiums, when the management server determines that the item purchased by the user does not correspond to the expense item, the expert server sends the user terminal the It is characterized by transmitting text data of advice that the purchased article can correspond to the expense item.

In addition, the automatic withdrawal support system for taxes and social insurance premiums makes emergency contact and payment on behalf of the user in case an emergency situation occurs to the user. an emergency response server for registering a plurality of agents, the emergency response server storing information of a plurality of agents selected by the user; and transmitting the plurality of proxy information to.

Further, in the system for supporting automatic withdrawal of taxes and social insurance premiums, the emergency response server stores the authentication information of the agent selected by the user in order to permit the operation of the user terminal by the agent selected by the user when an emergency occurs. and the authentication information includes the agent's fingerprint information, voice information, and facial photograph.

According to the present invention, when a user registers job details, the amount of tax payment and social insurance premiums is automatically deducted from profits obtained from the set tax rate and insurance premium rate for each job. Since the amount and social insurance premiums are deposited in a passbook that manages them, it is possible to pay taxes and social insurance premiums without going through complicated procedures. can be done.

It is a figure which shows the whole structure of the automatic withdrawal support system of a tax and a social insurance premium. 2 is a diagram showing the configuration of a user terminal; FIG. FIG. 4 is a diagram showing a user's bank transaction status; FIG. 4 is a diagram showing details of a user's bank transaction status; It is the figure which showed the structure of the expert server. It is the figure which showed the structure of the memory|storage part of an expert server. FIG. 10 is a diagram showing the configuration of an advice database; FIG. It is the figure which showed the structure of an expert database. It is the figure which showed the structure of the management server. It is the figure which showed the structure of the memory|storage part of a management server. It is the figure which showed the structure of a user information database. It is a diagram showing the configuration of a user financial database. FIG. 4 is a diagram showing the configuration of a job classification database; It is the figure which showed the structure of an expense information database. It is the figure which showed the structure of the user purchase history database. It is the figure which showed the structure of a user income database. It is the figure which showed the structure of the user tax rate / insurance premium rate database. It is the figure which showed the structure of the emergency response server. It is the figure which showed the structure of an agent database. 4 is a flow chart for explaining a flow for registering personal information of a user; It is the figure which showed an example of the registration form for registering a user's personal information. FIG. 4 is a diagram showing an example of a registration form for registering a registration site used by a user; FIG. 10 is a diagram showing an example of a registration form for registering information on a user's payee account; FIG. 4 is a diagram showing an example of a registration form for registering information on electronic payment services used by a user; FIG. 10 is a diagram showing an example of a registration form for registering job details of a user; FIG. 10 is a diagram showing an example of a registration form for registering job details of a user; FIG. 4 is a diagram showing an example of a registration form for registering a user's business partner. It is the figure which showed an example of the registration form for registering an agent. It is a flowchart which shows the flow of an expense journal entry. It is a flowchart which shows the flow of an expense journal entry. It is a diagram showing a list of purchase history, It is the figure which showed the state by which the alert notification was carried out in the purchase history. It is the figure which showed the example in which the advice from an expert server is displayed on a user terminal. It is the figure which showed the schedule management table|surface displayed on a user terminal. 10 is a flow chart for determining whether items entered in a schedule management table can be included in expenses. It is a graph of the user's yearly income from work. FIG. 2 is a schematic diagram showing automatic withdrawal of tax. It is a flow chart which shows correspondence of an emergency. It is the figure which showed the list of emergency contacts displayed on a user terminal.

Next, an automatic withdrawal support system for taxes and social insurance premiums according to the present embodiment will be described with reference to the drawings.
FIG. 1 is a diagram showing the overall configuration of the automatic withdrawal support system for taxes and social insurance premiums, FIG. 2 is a diagram showing the configuration of a user terminal, and FIG. 3 shows the user's bank transaction status. FIG. 4 is a diagram showing the details of the user's bank transaction status, FIG. 5 is a diagram showing the configuration of the expert server, and FIG. 7 is a diagram showing the configuration of an advice database; FIG. 8 is a diagram showing the configuration of an expert database; FIG. 9 is a diagram showing the configuration of a management server; 10 is a diagram showing the configuration of a storage unit of a management server, FIG. 11 is a diagram showing the configuration of a user information database, and FIG. 12 is a diagram showing the configuration of a user financial database. 13 is a diagram showing the construction of a job classification database, FIG. 14 is a diagram showing the construction of an expense information database, and FIG. 15 is a diagram showing the construction of a user purchase history database. 16 shows the configuration of the user income database, FIG. 17 shows the configuration of the user tax rate/insurance premium rate database, and FIG. 18 shows the configuration of the emergency response server. FIG. 19 is a diagram showing the configuration of the proxy database.

As shown in FIG. 1, the automatic withdrawal support system for taxes and social insurance premiums includes a plurality of user terminals 100, a registration site 200 such as an SNS registered by the user, a bank server (normal) 300, a bank A server (for tax payment) 400 , an expert server 500 , an expert terminal 600 , a management server 700 and an emergency response server 800 are interconnected via the Internet 1 .

<User terminal 100>
The user terminal 100 is a terminal owned by a user who distributes videos using SNS (Social Networking Service), a user who sells products on an EC site, a user who earns income from a part-time job, and the like. , information processing terminals such as tablet terminals.
As shown in FIG. 2, it comprises a control unit 101, a display unit 102, an operation unit 103, a speaker 104, a microphone 105, a camera 106, a storage unit 107, and a communication unit .

The control unit 101 is, for example, a CPU, a microprocessor, a DSP, etc., and controls the overall operation of the user terminal 100 .
The display unit 102 is a monitor or a touch panel display capable of displaying images and accepting operations, and can also be used as the operation unit 103 .
An operation unit 103 is an input device such as a keyboard and a mouse, and a speaker 104 and a microphone 105 are devices for inputting and outputting sounds. A camera 106 is for imaging a subject.

The storage unit 107 is composed of, for example, a RAM or a DRAM, and is used as a work area or the like when the control unit 101 executes processing based on various programs. A part of the storage unit 107 is, for example, a non-volatile memory such as a ROM or an HDD, and stores various data such as images and programs used for processing by the control unit 101 .

The programs stored in the storage unit 107 include, for example, an OS for realizing the basic functions of the user terminal 100, drivers for controlling various hardware, e-mail and web browsing, video playback, and various other functions. It is a program etc. for
The communication unit 108 is, for example, a NIC (Network Interface Controller) and has a function of connecting to the Internet 1 .
Note that the communication unit 108 has a function of connecting to a wireless LAN (Local Area Network), a function of connecting to a wireless WAN (Wide Area Network), a function of connecting to a wireless WAN (Wide Area Network), for example, a short-range communication such as Bluetooth (registered trademark), instead of or together with the NIC. It may have a function of enabling wireless communication, infrared communication, and the like.

<Registration site 200>
The registration site 200 is a group of sites where users register to use services such as social networking services (hereinafter referred to as SNS), video sharing services, EC site services, auction services, flea market services, and the like.
Examples include SNS sites such as Facebook (registered trademark), LINE (registered trademark), Twitter (registered trademark), and Instagram (registered trademark), video sharing sites such as YouTube (registered trademark), and online auctions. There are auction sites and flea market sites where you can sell various items.

<Bank server (for normal use) 300>
The bank server (for normal use) 300 stores account information of accounts opened by users (individuals) and corporations (including cases in which individuals are incorporated), and is used to calculate profits and salaries from video distribution and product sales transactions. This is a server for performing general bank transactions such as deposits, withdrawals, and transfers, and the configuration is omitted.
It is also possible for a user who is a sole proprietor to open a new account when he/she becomes a corporation due to an increase in earnings.
By accessing the bank server (for normal use) 300 from the user terminal 100, the user can check the user's bank transaction status as shown in FIG.
As shown in the figure, the user's bank transaction status (withdrawals and deposits) is displayed on the user terminal 100, and the receipt of profits, automatic tax withdrawals, cash withdrawals, and withdrawals by electronic payment processing are displayed.

In particular, for withdrawals by electronic payment processing, it is possible to browse the details (receipts, statements, etc.) by pressing the illustrated "OK" button.
As shown in FIG. 4, the details of the user's shopping using electronic payment on July 3, 2021 are displayed, including the name of the store, the name of the item purchased, the consumption tax, the total amount, whether it is recognized as an expense, and the expected expense. Your balance is displayed.
Electronic transaction information data such as receipts and statements are stored for three years in the main server managed by the National Tax Agency according to the Electronic Book Storage Law.

<Bank server (for tax payment) 400>
The bank server (for tax payment) 400 is different from the bank server (for normal use) 300, which performs general bank transactions. This is a server that manages the amount of tax (national tax and local tax) after subtracting the tax amount, as well as social insurance premiums and the like. Similar to the above, a user who is a sole proprietor can also open a new account when incorporated due to an increase in earnings.

Earnings from user (individual) or corporations from video distribution and product sales transactions, and salaries from part-time jobs are first deposited into the bank server (normal use) 300. corresponding tax rate) will be automatically withdrawn to the bank server (for tax payment).

<Expert Server 500>
The expert server 500 sends appropriate advice on cost consultation and tax saving measures used by the user, and proposes a preferential treatment system (specific contents will be described later). In addition, it stores information on experts (tax accountants, certified public accountants, etc.) who can directly respond to users' tax consultations, and exchanges between users and experts by chat or voice call (paid consultation is also available). to enable
As shown in FIG. 5, the expert server 500 comprises a control section 501 , an operation section 502 , a display section 503 , a storage section 504 and a communication section 505 .
Components other than the storage unit 504 are the same as those of the user terminal 100, and thus description thereof is omitted.
The expert server 500 can automatically send appropriate advice to the user by installing artificial intelligence AI (Artificial Intelligence). By repeating the above, it is possible to learn information on consultation cases such as various taxes. Therefore, it is possible to automatically generate or propose advice that can deal with various cases of consultation from the user.

Also, for example, by registering in advance what kind of expert the user desires to be matched with, artificial intelligence AI can realize matching with the optimal expert, and the user's It is also possible to automatically match the user with the most suitable expert according to the content of the work and the content of expenses used.

The storage unit 504 has an advice database 504a and an expert database 504b, as shown in FIG. stores data.
As shown in Fig. 7, examples of advice on expenses are: "The item is not recognized as an expense." Similarly, examples of tax advice include, "You should change from white returns to blue returns,""You can use preferential treatment," and "Medical It can be recorded as an expense.”, and advice can be added or deleted at any time.

This text data is sent to the user terminal 100 when it is determined whether or not the user's expense can be accounted for, and when the expense cannot be accounted for or is permitted by adding the work content.

The expert information database 504b stores information on experts who directly consult with users about expenses and taxes. An expert is a retired tax accountant or a person who has qualifications such as a private tax. Registration is possible.
Information stored in the expert information database 504b includes, as shown in FIG. is.

Based on the information registered in this database, the expert server 500 automatically matches an expert who can respond to the consultation contents desired by the user based on his/her background and field of expertise, or selects an expert who seems to match the user's personality. It is also possible to automatically match, or automatically match a specialist who will respond within the price desired by the user.

<Management Server 700>
The management server 700 is for storing information on users who use the automatic withdrawal support system for taxes and social insurance premiums, expert information, etc. As shown in FIG. , a display unit 703 , a storage unit 704 and a communication unit 705 .

The storage unit 704 has a plurality of databases, and as shown in FIG. 10, a user information database 704a for storing user information, bank account information opened by the user, credit card information owned by the user, or online electronic A user financial database 704b that stores payment information, a job classification database 704c that stores classification information of the work performed by the user, an expense information database 704d that stores items that are subject to expenses according to the classification of the work, and a user A user purchase history database 704e storing purchase history information such as goods, a user income database 704f storing user income and expense information, and tax rate information and insurance rate information calculated based on the user's work content and income It has a user tax rate/insurance rate information database 704g storing information and a schedule database 704h.

The user information database 704a, as shown in FIG. 11, stores personal information of users. It is the personal number of the certificate or my number card.
These items are associated with each other and stored in the user information database 704a. When the user uses the automatic withdrawal support system for taxes and social insurance premiums, the user uses the user terminal 100 to select information corresponding to each item. Register with the management server 700 .

The user financial information database 704b stores bank account information held by the user and electronic payment information used. The bank account information registered here is all account information held by the user, and the electronic payment information also indicates all electronic payments used by the user.
As shown in FIG. 12, when user A has two pieces of account information, two pieces of account information (bank name, branch name, account information) are stored. If user A also uses electronic payment, the information includes the type of electronic payment, company name, electronic payment number, name holder, expiration date, and number of payments.
For electronic payment, items to be registered may differ depending on the type of electronic payment.

Types of electronic payment include credit card payment, electronic payment using an electronic payment application, and electronic payment using electronic money.
Credit card payments refer to payments made with cards issued by credit card companies, and electronic payment applications refer to electronic payments using applications from companies that operate applications for electronic payments, as well as so-called payments made by mobile phone companies. Indicates an application for carrier billing. Furthermore, in this embodiment, all electronic settlements are included, such as electronic settlements using transportation IC cards.

The job classification database 704c stores the job details of the user as information, and registration by the user is required when using the automatic withdrawal support system for taxes and social insurance premiums.
As shown in FIG. 13, in the job classification database 704c, in the case of a person who uses SNS for work, the name, SNS used, work content, classification items, and presence/absence of a partner are included. In the case of a person who does not use SNS and works, it consists of the items of name, job description, and classification, and the user uses his/her own user terminal 100 to register the contents of each item. .
For example, if Mr. A, who uses SNS for work, earns income by distributing animal-related videos using SNS “〇〇〇”, the item of SNS used Register “〇〇〇” in the field, “video distribution” as the work content, and “animal system” as the type of work.
Also, if the video distribution is performed by a plurality of partners, it is assumed that there are partners.

Similarly, if Mr. B, for example, earns income by promoting food-related products using the SNS "◇◇◇", enter "◇ ◇◇” is registered as “advertisement activity” as the job content and as “restaurant” as the classification. Mr. B does not have a partner because he works alone.

In addition, people who earn income from part-time jobs, such as Mr. C, who does not use SNS, register “part-time job” in the job content item and “fast food” in the classification, and Thus, a person who works part-time at an izakaya registers "part-time job" in the job description item and "izakaya" in the classification.

The expense information database 704d is a database that stores items to be expensed and depreciation according to job content. An example shown in FIG. 14 is a list of depreciation permitted according to work content, assuming work content when the user works as an individual and work content when the user establishes a corporation.
First, the work content of the user as an individual is “video distribution” and the classification is “animal type”, and in this work content and classification, photography equipment such as personal computers, smartphones, cameras, and pet-related goods are subject to expenses. .
Also, if the user's personal work is "advertisement activities" and the classification is "restaurant", in addition to photography equipment such as personal computers, smartphones, and cameras, transportation and eating and drinking expenses are covered.
Furthermore, when the user establishes a corporation, the job content is "advertisement activity" and the classification is "restaurant".

As for depreciation, items that are permitted according to the work content and classification are determined, and the item name, purpose, amount, and number of years of payment are displayed.
In addition, account items such as consumable miscellaneous expenses and inventory management (inventory) may also be stored in this database.

In addition, in the case of work that promotes popular sweets on SNS, etc., the work content is “advertising activities” and the classification is “restaurant”. In addition to computers and smartphones, shooting equipment such as cameras, food and drink expenses, and transportation expenses are covered.

FIG. 14 is only an example, and there are multiple classifications according to various job contents, and the items subject to expenses also vary accordingly.
In addition, items subject to expenses can be added or deleted at any time by the management side that operates this automatic withdrawal support system for taxes and social insurance premiums.

In the user purchase history database 704e, purchase history information of items actually purchased by the user using electronic payment is registered. As shown in FIG. 15, the purchase history information consists of the date, store name, details of purchased goods, purchased amount, item of purchased goods, pass/fail judgment as to whether the goods are recognized as expenses, and balance of usable expenses. It is configured.
When a user purchases goods using electronic payment, for example, a server (not shown) that manages electronic payment together with product information (product name, product classification, etc.) stored in an IC tag attached to the product. is sent to the bank server (normal) 300 and the management server 700, and the management server 700 stores the received purchase history information in the user purchase history database 704e.
Receipts and statements can be issued from this purchase history information, and expenses can also be calculated.
In addition, by referring to the expense information database 704d from the user's work content, it is possible to store the judgment as to whether or not the purchased item corresponds to the expense, and it is also possible to store the balance of the expense that can be used. is.

The user income database 704f is a database that stores, as information, the income obtained from work for each user, the amount of expenses that the user can use calculated from the income, the balance of expenses, and the balance of the user's passbook.
FIG. 16 shows the profit that the user can obtain from animal-based video distribution and the amount of expenses that can be used calculated from this profit.
As shown in the figure, profits obtained by distributing moving images are registered in this database 704f when an amount corresponding to the number of distributions is received every month from the registration site registered by the user. In addition, the amount of expenses that can be used according to the amount of money that has been deposited is calculated, and the balance of expenses and the balance of the passbook after subtracting the expenses that have already been used are displayed.

The user tax rate (national tax/local tax)/insurance premium rate (social insurance premium) information database 704g stores tax rate information (national tax/local tax) and insurance premium rate (social insurance premium) set for each annual expected income of the user. As shown in FIG. 17, the tax rate information and insurance premium rate are composed of annual expected income, tax rate (national tax/local tax), and insurance premium rate (social insurance premium) for each user.

The schedule database 704h stores schedule management information for each user, and manages work schedules and shopping schedules made by users.

<Emergency Response Server 800>
The emergency response server 800 responds when the user is unable to make an emergency call (dial 110 or 119) due to an emergency (illness, injury, etc.). By notifying the agent that the user is urgent, the agent who received the notification makes emergency contact instead of the user.

Therefore, the emergency response server 800 is composed of a control section 801, an operation section 802, a display section 803, a storage section 804, and a communication section 805, as shown in FIG.
Note that the configuration of the storage unit 804 is the same as that of the user terminal 100, so description thereof will be omitted.
The storage unit 804 has an agent database 804a. As shown in FIG. 19, this agent database 804a contains the names, furigana, gender, age, telephone number, e-mail address, relationship, and authentication of five agents (up to 10 agents can be registered) selected by user A. Information (face authentication, voice authentication, fingerprint authentication) is stored as data.

In addition, since there are situations where a proxy operates the user terminal 100 on behalf of the user, in order to prevent unauthorized operation of the user terminal 100 by a third party, the proxy can operate the user terminal 100 only when an emergency occurs. In order to do so, fingerprint information, voice information, and/or any one of a facial photograph for face authentication is stored as authentication information of the agent.

Next, a method of using the automatic withdrawal support system for taxes and social insurance premiums according to the present embodiment will be described.
There are five steps to using the automatic withdrawal support system for taxes and social insurance premiums.
・Registration of user information ・Journalization of expenses ・Schedule management ・Automatic withdrawal of taxes from earnings ・Emergency response

<Registration of user information>
(1) Registration of Personal Information Next, a method of registration with the management server by the user will be described.
As described above, when the user uses the automatic withdrawal support system for taxes and social insurance premiums, it is necessary for the user to register personal information and the like in the management server. The registration method will be described with reference to FIGS. .
FIG. 20 is a flow chart for explaining the flow for registering the user's personal information, FIG. 21 is a diagram showing an example of a registration form for registering the user's personal information, and FIG. 23 is a diagram showing an example of a registration form for registering the registration site used by the user, and FIG. 23 is a diagram showing an example of a registration form for registering the information of the user's bank account. FIG. 24 is a diagram showing an example of a registration form for registering information on the electronic payment service used by the user, and FIGS. FIG. 27 is a diagram showing an example, FIG. 27 is a diagram showing an example of a registration form for registering a user's business partner, and FIG. 28 is an example of a registration form for registering an agent. It is a figure showing.

First, a user who intends to register operates his or her own user terminal 100 to request registration to the management server 700 (step S100). The user terminal 100 then transmits a request for a registration form to the management server 700 (step S101).
Upon receiving a request for a registration form from the user terminal 100 (step S102), the management server 700 transmits a registration form required for user registration to the user terminal 100 (step S103).

A registration form as shown in FIG. 21 is displayed on the display unit 102 of the user terminal 100 that has received the registration form.
First, in the registration form shown in FIG. 21, items such as name, e-mail address, password, zip code, address, telephone number, date of birth, gender, and personal identification documents are set. Operate and enter each item. For identity verification documents, select either a driver's license, My Number card, or health insurance card. ), and an image obtained by photographing one of them in advance is transmitted to the management server 700 together with the registration form.

As the next registration form, a screen for registering the SNS used by the user is displayed on the display unit 102 of the user terminal 100, as shown in FIG.
The user directly enters the name of the registered site being used in the item field of the display screen shown in FIG. , enter the ID and user name that the user himself/herself has registered on the registration site.

As the next registration form shown in FIG. 23, a screen for registering financial institutions with which the user is conducting transactions is displayed on the display unit 103 of the user terminal 100 .
As shown in the figure, item fields for entering the financial institution name, branch name, account type, account number, and recipient name are displayed, and the user operates the user terminal 100 to enter necessary information in each item.
Also, in the registration form shown in FIG. 24, the electronic settlement service used by the user is registered. The contents to be registered are the type of electronic payment to be used, name, user ID and password.
Note that the registration contents shown here are only an example, and other items may be added.

When the user finishes inputting all items of the registration form (step S104), the user transmits the completed registration form to the management server 600 (step S105). The management server 600 stores personal information from the received input registration form in the user information database 704a (step S106).

(2) Registration of job details Next, registration of user job details will be described.
The user operates the user terminal 100 to request a registration form for registering job details from the management server 700 in the same manner as described above.
In the registration form transmitted from the management server 700, a screen for registering job details and the presence or absence of partners is displayed on the display unit 102 of the user terminal 100, as shown in FIG. 25(a). If the user is registered with the registered site and works, the user enters the registered site name "Site 1" in the upper item field.

Next, select the specific content of the job at Site 1.
As shown in FIG. 25(b), a plurality of genres related to site 1 are displayed. The user selects the genre of work used at the site 1. Here, since the user uses the site 1 to distribute videos of pets and animals, the user selects the category of "pets/animals".
It should be noted that if the genre of the work that the user is doing is not displayed, it may be possible to directly input it.
Then, when the job content is selected, the input registration form is sent from the user terminal 100 to the management server 700 and registered in the job classification database 704c of the management server 700. FIG.

On the other hand, in the case of a user who has not registered on the registration site, the content of the work the user is doing is entered in the item column for work other than SNS at the bottom of the registration form shown in FIG. 26(a). For example, when "part-time job" is input by the user, next, the genre of part-time job as shown in FIG. 26(b) is selected. If the user works part-time at fast food, select "fast food" from the genres.
If the genre in which the user works part-time is not displayed in FIG. 26(b), the genre may be entered directly.

<Regarding partner registration>
Next, when selecting the presence or absence of a partner in the above registration form, if the partner is selected, the partner's work contents are registered.
As shown in FIG. 27(a), the partner's job details are registered.
In the same way, the site used by the partner and the work content are registered, and then the work allocation rate and the income allocation rate are entered.
As shown in FIG. 27(b), the partner's name is entered, as well as the work and the distribution rate of the received amount. For example, a numerical value such as "60/40" or "6/4" is input as the distribution ratio.

<Regarding agent registration>
Next, agent registration will be described.
Here, the agent is responsible for making an emergency call on behalf of the user, receiving contact from the hospital where the user is hospitalized, and preventing freezing of the passbook in the event of an emergency (illness, injury, etc.) for the user. has the role of
The user registers the proxy using the registration form obtained from the management server 700 . The user uses the user terminal 100 to input information about the agent and transmit it to the emergency response server 800 . The emergency response server 800 stores the received information about the agent in the agent database 804a.

As shown in FIG. 28, the information that the user inputs into the user terminal 100 is the agent's name, furigana, gender, age, telephone number, email address, relationship, and authentication information (face authentication, voice authentication, fingerprint authentication). There is, and multiple agents (1 to 10 persons can be registered) are registered for each user.
Authentication information can be registered from the user terminal 100 by a method using conventional technology. For face authentication, a photograph of the face is taken using the camera 106 of the user terminal 100, and for voice authentication, For fingerprint authentication, fingerprints can be registered by pressing a specific finger on the display unit 102 by inputting voice from the microphone 105 of the user terminal 100 .

<Journal of expenses>
Next, the expense journal will be described with reference to FIGS. 29 to 33. FIG.
29 and 30 are flowcharts showing the flow of expense journal entries, FIG. 31 is a diagram showing a list of purchase histories, and FIG. FIG. 33 is a diagram showing an example in which advice from the expert server is displayed on the user terminal.

(1) Expense journal entry by management server First, the flow of expense journal entry will be described on the premise that the user earns income by distributing videos of his pets.
As described above, the user registers his/her work content in the management server 700 as an animal-related video distribution. When a user purchases an article using electronic payment at a store or on the Internet, purchase information is transmitted to the management server 700 for each electronic payment process.
As will be described later, the purchase schedule information may be transmitted to the management server 700 when the user inputs the purchase schedule (item name and price) in the schedule.
When the management server 700 receives the purchase information (step S200), it stores the received purchase information in the user purchase history database 704e (step S201). The purchase information includes the date of purchase of the item, the name of the item purchased, the amount of money, and the store where the item was purchased.

As shown in FIG. 31, the user purchased equipment related to photography on May 7th and May 9th, and on May 10th, in addition to pet-related goods (food, gauges, etc.), the user They also buy their own food (vegetables, seasonings, meat, drinking water) at the same time. In addition, on May 13, transportation expenses (Akasaka ⇔ Shiodome) were also purchased.
In this way, all items purchased by the user are registered in the user purchase history database 704e of the management server 700, and the user can use the user terminal 100 to check the purchase history.

Next, when the management server 700 receives a request from the user terminal 100 to determine whether the article purchased by the user is an expense, the article included in the purchase information is an expense based on the work content of the requesting user. It is determined whether to do so (step S202).
The management server 700 first refers to the job classification database 704c to identify the job content of the user. When the user's job content (animal-related video distribution) is specified, next, the expense information database 704d is referred to based on the specified job content, and expense items corresponding to the job content are specified.

The management server 700 compares this expense item with the purchase information. If purchase information other than expense items is included in the purchase information, as shown in FIG. 32, the display on the user terminal 100 alerts the user about items that do not correspond to expenses (see FIG. 32). shaded portion) (step 202/NO).

Next, among the purchase information that does not correspond to expenses, it is determined whether or not there is purchase information that corresponds to expenses (including miscellaneous expenses or depreciation) in other work contents (step S203). The management server 700 refers to the expense information database 704d to search whether or not purchase information that does not correspond to expenses is included in the expense target items of other work content. As an example, since the transportation cost (Akasaka ⇔ Shiodome) is included in the expense object item of "advertisement activity" in the purchase information that does not correspond to expenses (step S203/YES), the management server 700 Information that purchase information is included in other work contents is transmitted to 600 .

The expert server 600 automatically selects optimal advice to be sent to the user from the advice database 604b based on the received information. Here, based on the received information, the advice "If you add other work content, it will be recognized as an expense" is selected and automatically sent to the user terminal 100 (step S204). Then, as shown in FIG. 33, the received advice is displayed on the user terminal 100, and the user can add new job content based on this advice and register it as an expense (step S206).

If purchase information that does not correspond to expenses is not included in other job details (step S203/NO), the management server 700 transmits information that is not included in other job details to the expert server 600. Then, the expert server 600 refers to the advice database 604b based on the received information and transmits advice to the user terminal 100 such as "It is not recognized as an expense" (step S205).

In this way, when a user purchases goods using electronic payment, the purchase information is managed by the management server 700, and at the same time, the purchased goods, etc. that are determined to be expenses are automatically processed as expenses. can be counted as In addition, even if an item or the like is not recognized as an expense in the job content currently registered by the user, if the item or the like is recognized as an expense in another job content, the expert server 500 adds the job content. It is also possible to provide advice on
Then, as shown in FIG. 31, it is possible to display the pass/fail judgment of expenses such as purchased goods as information by the above-described automatic journalizing of expenses.

In addition, when the user starts a company from a sole proprietor due to increased profits, it is also possible to directly consult with experts such as tax accountants and accountants for consultation on expenses, taxes, and the like.
In this case, it is an expert registered in the expert database 604b, and it is possible to consult by chat or voice call via the expert terminal 600 used by this expert.

Furthermore, the management server 700 may be equipped with AI (artificial intelligence). For example, by repeating the journalizing process for expenses as described above, various items purchased by the user (including items to be purchased) It is possible to learn the types and classifications of goods, and to learn to determine which work content an item corresponds to as an expense item. Also, as the number of users registered in the system of this embodiment increases, more data can be collected.
As a result, it is possible to determine whether or not all goods and the like fall under the expense items, and it is also possible to automatically increase the number of expense items assigned to the job content.

<About schedule management>
Next, user schedule management will be described.
The user uses the user terminal 100 to manage work schedules and expenses used.
FIG. 34 is a diagram showing a schedule management table displayed on the user terminal 100. As shown in FIG.
The schedule management table for each user is stored in the schedule database 704h of the storage unit 704 of the management server 700, and the user operates the user terminal 100 to cause the display unit 102 to display the schedule management table.
The user's weekly schedule is displayed on the display unit 102 of the user terminal 100 as an example of a schedule management table.
In this example, the user has a live broadcast on Monday from 7:00 to 13:00 and has scheduled shopping from 16:00 to 19:00. In addition, live broadcasting will be performed on Thursdays from 7:00 to 13:00, and shopping schedules will be set for Saturdays from 10:00 to 13:00.

Here, the user can enter the details of the live broadcast when scheduling the live broadcast. When you tap , a balloon display appears and you can write detailed content of the live broadcast in this part.

Similarly, it is also possible to write details of a shopping schedule in the balloon display portion.
In the case of shopping, there are cases where a plan for what to purchase is written in advance, and there are cases where goods and prices that have already been purchased are written.
In the former case, the user operates the user terminal 100 to input the name of the store, the name of the article to be purchased, and the amount of money at the time of shopping. In the latter case, it is possible for the user to directly input, but based on the purchase history information stored in the user purchase history database 704e of the storage unit 704 of the management server 700, the purchase record is stored in the schedule management table. It is also possible to display by reflecting the date and time.

Furthermore, from this schedule management table, it is possible to determine whether or not the item to be purchased from now on can be recorded as an expense.
FIG. 35 is a flow chart for determining whether items entered in the schedule management table can be recorded as expenses.
First, it is determined whether or not a "shopping" schedule has been entered in the schedule management table by the user's operation of the user terminal 100 (step S300). If the "shopping" schedule has not been entered, the system remains in a standby state (step S300/NO), and as shown in FIG. (Step S300/YES), next, it is determined whether the item to be purchased and the amount of money have been input in the input "shopping" schedule (step S301). Note that when a schedule for “shopping” is input from the user terminal 100, the schedule management information in the schedule database 704h of the management server 700 is updated.

If the product to be purchased and the amount of money are not entered, and only the "shopping" schedule is entered (step S301/NO), the system enters a standby state.
Also, when the item to be purchased and the amount of money are input (step S301/YES), the schedule management information in the schedule database 704h is updated, and next, it is determined whether or not the input item corresponds to expenses (step S301/YES). step S302).

The judgment as to whether the item corresponds to expenses is based on the expense information stored in the expense information database 704 d of the storage unit 704 of the management server 700 . As shown in FIG. 34, the shopping entered in the schedule for Monday is "Pet goods ¥3800", and the user's work contents are referred to and it is determined that "Pet goods" corresponds to the expense target item (step S302/YES). On the other hand, if the input item to be purchased does not correspond to the expense target item (step S302/NO), the item to be purchased is not included in the expenses and the process ends.

Next, it is determined whether or not the price of the input goods is within the usable expenses (step S303). The user income database 704f of the storage unit 704 of the management server 700 is referenced, and if the amount entered from the expense balance falls within the expense (step S303), a notification to that effect is sent to the user terminal 100.

On the other hand, if the amount of the input item does not fit within the usable expenses (step S303/NO), for example, the shopping schedule input for Saturday in FIG. . As described above, the user income database 704f is referenced to determine whether the entered amount is within the expense balance. In this case, as shown in FIG. The user is notified that (¥50000) exceeds the expense balance.

As for the method of notifying the user, a red blinking display is displayed as an alert notification in the balloon display portion of the shopping schedule entered in the schedule management table (step S304).
Regarding the shopping schedule notified of the alert, the alert notification can be canceled by adding the contents of the user's own work or reducing other expenses according to the advice sent from the expert server 600. It becomes possible.

In the schedule management described above, the user operates the user terminal 100 to input the schedule. Therefore, it is also possible for the user to manage the schedule as a completed schedule without inputting the schedule for shopping.

Next, as another function of schedule management, there is a function that allows the user to review by visualizing monthly or yearly work results in graph form.
FIG. 36 is a graph of a user's annual job income.
As shown in the figure, the user registers with the site 1 and the site 2 and earns income by working in video distribution. By checking the graph line when the user is depressed, the user can see the schedule management table for the video distribution performed at that time.

This graph is linked to the above-mentioned schedule management table, and the user can check the details of the work performed at that time based on the income status of the month (or week) of interest, and can determine the details of the work by himself/herself. Appropriate advice can be received from the expert server 600 by reviewing or selecting "Future Direction", "Current Advice", or "Counseling Room" displayed above the graph.

<Automatic withdrawal of tax from earnings>
Next, a mechanism for automatically withdrawing the tax amount from the user's earnings will be described.
FIG. 37 is a schematic diagram showing automatic withdrawal of tax.

(1) Receipt of revenue from user's video distribution As described above, the user receives revenue according to the number of views by distributing pet videos and revenue obtained from online remittance from the user's fans to the registration site , the money is deposited into the account (normal account) registered by the user in the management server 700 .
At this time, the amount deposited from the registration site into the account (for normal use) is the amount after deducting a certain rate of withholding tax.
Basically, if the expected annual income of the user is 1,030,000 yen (or 1,300,000 yen) or less, or if the user is eligible for the deduction for working students, no withholding tax will be charged, but the monthly income is 80,000 yen. Withholding tax will be collected for purchases of 8,000 yen or more. However, if the total annual income is 1.03 million yen (or 1.3 million yen) or less, the overpaid withholding tax will be automatically returned to the account (for tax purposes).

(2) Withdrawal of tax payment When the user's electronic passbook receives payment from the registration site 200, the bank server (for normal use) 300 requests the management server 700 to acquire tax rate information corresponding to the user's expected annual income. demand. Upon receiving the tax rate information acquisition request, the management server 700 acquires the user's tax rate information from the user tax rate information database 704 f of the storage unit 704 and transmits it to the bank server (for normal use) 300 .

The bank server (for tax payment) 400 calculates the amount of tax based on the tax rate information from the amount deposited in the account of the bank server (for normal use) 300 according to the acquired tax rate information, and sends the calculated amount to the bank server. (For normal use) The user's electronic passbook (for tax payment) from 300 is automatically debited, and the debited amount is recorded in the electronic passbook (for normal use) and the electronic passbook (for tax payment).

This operation is repeated each time the user's electronic passbook (for normal use) receives money from the registration site.
The amount of taxes deposited in the user's electronic passbook (for tax payment) includes national taxes paid to the country, local taxes paid to local governments, health insurance premiums paid to the Japan Pension Service, social insurance premiums, etc. used for payment.
National taxes include direct tax and indirect tax. Direct tax is mainly income tax, and indirect tax is consumption tax. As for local taxes, inhabitant tax is applicable. It is also used to pay for medical expenses and hometown taxes.

The bank server (for tax payment) 400 transmits a notification to the user terminal 100 via the management server 700 to the effect that a tax return will be filed when the time for filing a tax return comes. Specifically, an alert is automatically displayed for payment of taxes (national tax/local tax) and social insurance premiums, and payment or refund adjustment is automatically performed by operating the user terminal 100 .

Upon receiving a final tax return execution instruction from the user terminal 100, the management server 700 prepares the corresponding user's final tax return from the user income database 704f of the storage unit 704, and transmits it to the tax office as electronic data.

In addition, the amount deposited in the user's electronic passbook (for tax payment) is automatically remitted to the Japan Pension Service with the tax distributed at the tax rate determined for each user as well as the tax office and government office and social insurance premiums.

<Regarding emergency response>
Next, a response to an emergency using the automatic withdrawal support system for taxes and social insurance premiums according to this embodiment will be described.
As described above, since the user has registered a plurality of proxies in advance, when an emergency situation (such as illness or injury) occurs to the user, the proxies can make an emergency call instead of the user. It becomes possible.

FIG. 38 is a flow chart showing emergency response, and FIG. 39 is a diagram showing a list of emergency contacts displayed on the user terminal.
First, the user terminal 100 is installed with an application for using an automatic withdrawal support system for taxes and social insurance premiums, and one of these applications has an "emergency call" function.

When an emergency occurs to the user, the user double-tap (presses twice) an emergency call icon (not shown) displayed on the display unit 102 of the user terminal 100 (smartphone or tablet terminal). The user terminal 100 determines whether the icon has been double-tapped. If the icon has been double-tapped (step S400/YES), and if the emergency call icon has been double-tapped, the icon is displayed on the display unit 102 of the user terminal 100. Then, the screen is changed to a dedicated screen (not shown) for an emergency call to be received, and transition from this dedicated screen to another screen is prohibited (the screen is fixed) (step S401). Then, emergency information indicating that an emergency has occurred to the user is transmitted to the emergency response server 800 (step S402).
If the double-tap is not performed, a standby state is entered (step S400/NO).

The emergency information transmitted from the user terminal 100 includes the user's personal information, and upon receiving the emergency information from the user terminal 100, the emergency response server 800 first identifies the user based on the user's personal information. (Step S403). The emergency response server 800 refers to the proxy database 804a in the storage unit 804 (step S404) and determines whether the user has a registered proxy.

If there is an agent registered by the user in the agent database 804a, the agent information is transmitted to the user terminal 100 (step S405). The user terminal 100 receives the proxy information, and at the same time, on the display unit 102, as shown in FIG. Contact information such as contact information is displayed (step S406).
The list of emergency contacts displayed on the display unit 102 prohibits transition to another display screen until the user or a third party contacts 119 or 110 or an agent (the screen is fixed). keep).
Then, it is determined whether the icon displayed on the display unit 102 has been tapped again within a preset time (step S407).

If the icon displayed on the display unit 102 is tapped again within the set time (step S407/YES), the user determines who to contact based on his or her own emergency situation. Suppose you contact agent 1. When the user selects the field for contacting agent 1 (step S408), the user terminal 100 extracts the telephone number from the agent's contact information included in the agent information and extracts the telephone number from the agent's terminal ( (not shown) (step S409).

Further, in step S406, if the icon displayed on the display unit 102 is not tapped after the set time has elapsed (step S406/NO), the screen of the display unit 102 of the user terminal 100 will be displayed after the set time has elapsed. A warning sound is generated from the speaker 104 while blinking in red.
The case where the icon is not tapped after the set time has elapsed may be, for example, a situation where the user is unconscious and cannot operate the user terminal 100 by himself or a situation where the user cannot tap for some other reason.
Note that the user sets in advance how many seconds after double-tapping the emergency call icon the screen of the display unit 102 of the user terminal 100 flashes in red and an alarm sound is generated.

Then, depending on the situation, a third party around the user operates the user terminal 100 . The third party selects the person to contact from the emergency contact list (step S410) displayed on the display unit 102 of the user terminal 100 (here, selects the agent 1) (step S411), and similarly to the above, The agent 1 is contacted by telephone (step S409).

In this way, when the user in an emergency can contact the agent 1, the agent 1 makes an emergency call such as 110 or 119 on behalf of the user. Then, when the user is transported to a hospital by ambulance, the agent 1 performs hospitalization procedures and payment.
When the user contacts the agent 1 due to an emergency, for example, by allowing only the agent 1 to operate the user terminal 100, the agent can use the user terminal 100 to pay for medical treatment and hospitalization expenses. 1 can also do.

As a method of permission, the proxy's fingerprint, face photo for face authentication, and voice for voice authentication of the proxy are registered, and the proxy performs fingerprint authentication, voice authentication, and face authentication on behalf of the user. It is possible to use the user terminal 100 in , and it is possible to prevent unauthorized use by a third party.

Also, in order to prevent the user's bank account (normal use) from being frozen in case the user becomes unconscious or dies, the agent 1 who has been contacted with the user permits the use of the user's bank account (normal use). You may do so.

From the above, the automatic withdrawal support system for taxes and social insurance premiums according to the present embodiment makes it possible to perform tax payment procedures without the need for conventional complicated procedures by registering with this system. Become. In particular, as the number of people engaged in work using SNS is increasing, there are many people who do not understand the tax payment system and who are suffering losses by missing out on expenses that could otherwise be expenses. By using the automatic withdrawal support system for taxes and social insurance premiums, expenses can be recorded easily and tax saving measures can be easily implemented.

On the other hand, in addition to work using SNS, people who earn income from Internet auctions, e-commerce sites, flea markets, and people who earn income from side jobs do not pay taxes even though they have a certain amount of income. While there are people who do not, it will be possible to pay taxes equally by prohibiting them from engaging in work using SNS without registering for this automatic withdrawal support system for taxes and social insurance premiums.

100 User terminal 200 Registration site 300 Bank server (normal)
400 Bank server (for tax payment)
500 expert server 600 expert terminal 700 management server 800 emergency response server

In order to achieve the above object, the automatic withdrawal support system for taxes and social insurance premiums of the present invention comprises a user terminal possessed by a user, a management server for managing information input from the user terminal, and An expert server that transmits advice from experts on how to use expenses and tax payment of the user, and first and second electronic passbooks for managing the income and tax payment amount obtained by the user. An automatic withdrawal support system for taxes and social insurance premiums, wherein the first electronic passbook manages the profits earned by the user, and the second electronic passbook allows the user to pay the tax amount required for tax payment. The management server manages a job content database for registering the job content that the user engages in order to earn a profit, and a Kehi information database for storing information on expense items permitted according to the job content. The management server determines whether or not the article purchased by the user corresponds to the expense item according to the job content registered by the user by referring to the expense information database, and
The management server includes an income information database that stores income information obtained from the work that the user engages in, a tax rate information database that stores user tax rate information calculated from the income information stored in the income information database, and and transferring the tax payment amount calculated based on the tax rate information stored in the tax rate information database from the income managed in the first electronic passbook to the second electronic passbook. and

Claims (6)

A user terminal possessed by a user, a management server that manages information input from the user terminal, an expert server that transmits advice from an expert on how to use the user's expenses and tax payment to the user terminal, and the user An automatic withdrawal support system for taxes and social insurance premiums comprising first and second electronic passbooks for managing the income and tax amount obtained by
The first electronic passbook manages profits earned by the user,
The second electronic passbook manages the amount of tax payment necessary for the user to pay tax,
The management server includes an income information database that stores income information obtained from a job that the user engages in,
a tax rate information database that stores user tax rate information calculated from the income information stored in the income information database;
a tax payment amount calculated based on the tax rate information stored in the tax rate information database from the income managed in the first electronic passbook, and transferring the tax payment amount to the second electronic passbook; Automatic withdrawal support system for social insurance premiums. The management server has a job content database for registering job content that the user engages in order to earn a profit, and an expense information database for storing information on expense items permitted according to the job content,
2. An automatic withdrawal support system for taxes and social insurance premiums according to claim 1, wherein it is determined whether the article purchased by said user corresponds to said expense item according to said job content registered by said user. The expert server has an advice database for sending appropriate advice on how to use the user's expenses and tax payment,
2. An automatic withdrawal support system for taxes and social insurance premiums according to claim 1, wherein said advice database stores a plurality of advices on the usage of expenses and tax payment in the form of text data. When the management server determines that the article purchased by the user does not correspond to the expense item, the expert server advises the user terminal that the purchased article can correspond to the expense item. 4. The automatic withdrawal support system for taxes and social insurance premiums according to claim 3, wherein text data is transmitted. The automatic withdrawal support system for taxes and social insurance premiums includes an emergency response server for registering a plurality of agents who make emergency contact and payment on behalf of the user in case an emergency occurs to the user. have
The emergency response server stores information of a plurality of agents selected by the user, and transmits the information of the plurality of agents to the user terminal when an emergency occurs for the user. 5. The automatic withdrawal support system for taxes and social insurance premiums according to any one of 1 to 4. The emergency response server has proxy authentication information for permitting operation of the user terminal by a proxy selected by the user when an emergency situation occurs for the user. 6. An automatic withdrawal support system for taxes and social insurance premiums according to claim 5, wherein the information includes fingerprint information, voice information, and a photograph of the face.

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