JP6605587B2 - Personal card usage breakdown processing system, method, and computer program - Google Patents

Description

  The embodiment relates to a system, method, and computer program for processing the use of a personal card, and more specifically, it is possible to easily collect a breakdown of expenses spent by company officers and employees using a personal card for the purpose of expenses. The present invention relates to a technology capable of easily transmitting a collected usage breakdown to a person in charge of expense processing.

  Companies usually issue shared corporate cards or individual corporate cards to their officers and employees for the convenience of cost execution. However, since corporate cards cannot be issued to all officers and employees, in the case of officers and employees who have not been issued corporate cards, they spend their expenses using personal cards and use them as expenses. A corresponding expenditure resolution is prepared and submitted together with voucher documents (for example, receipts) to the company's expense processor. This submission process is usually done manually using paper-printed documents. After approval of the expenditure resolution, the approved expenditure resolution is compiled and stored in the warehouse. It is the actual situation that is scanned by the image and stored in the server.

  Even if it is a breakdown used for the purpose of the company's expenses, it is not possible to directly collect the card usage breakdown of employees at the company for the purpose of protecting personal information or preventing private infringement. Therefore, even if expenses are incurred, the person in charge of the expenses cannot recognize the expenses until the staff using the personal card submits the voucher attached. On the other hand, from the standpoint of staff using personal cards, the preparation of a payment resolution with voucher documents such as paper receipts is a very cumbersome process that must be done manually. Various reductions such as reduction in business efficiency due to the concentration of resolutions at the end of the month, delay in unnecessary business processing time due to manual work, data errors and data omissions due to manual work, and increase in unnecessary incidental costs for creating paper documents I had to accept the problem.

  According to one aspect of the present invention, it is possible to easily collect a breakdown of executives / employees using their personal cards for the purpose of company expenses, and to use the collected usage breakdowns as an expense processor. It is possible to provide a personal card use breakdown processing system and method that can be easily communicated, and a management service server, user device, and computer program for this purpose.

A personal card use breakdown processing system according to an embodiment includes a first user device of a personal card user and a management service server.
The first user device stores account information or card information of the user, and receives a usage breakdown of a personal card from a card company server by a scraping or electronic data exchange method using the account information or the card information. And one or more usage details selected to be submitted for expense processing among the usage details of the personal card.

  The management service server receives the one or more usage breakdowns from the first user device, stores the received one or more usage breakdowns for expense processing, and includes the one or more usage breakdowns. The corresponding notification information is configured to be transmitted to the second user device of the expense processing person.

In one embodiment, the management service server does not store the account information and the card information.
The management service server for personal card use breakdown processing according to one embodiment is selected to be submitted from the first user device of the personal card user for expense processing of the personal card use breakdown. A receiving unit configured to receive one or more usage breakdowns; a storage unit configured to store the one or more usage breakdowns received by the receiving unit for expense processing; and the one A notification transmission unit configured to transmit notification information corresponding to one or more usage breakdowns to the second user device of the expense processing person in charge is included.

  In one embodiment, the one or more usage breakdowns are obtained from a card company server by scraping or electronic data exchange using user account information or card information in the first user device.

  In one embodiment, the notification information includes one or more of an SMS (Short Message Service) message, an MMS (Multimedia Message Service) message, an email, or a push notification.

  In one embodiment, the receiving unit is configured to further receive one or more recipient information for receiving the one or more usage details from the first user device. The notification transmission unit is further configured to transmit the notification information to the second user device corresponding to the recipient information.

  The management service server according to an embodiment further includes a user database in which a plurality of user information is stored. The notification transmission unit is further configured to identify the second user device corresponding to the recipient information by querying the user database using the recipient information.

  In one embodiment, the receiving unit is further configured to transmit a user list generated based on the user database to the first user device. At this time, the recipient information includes selection information for one or more users in the user list.

  A user device for a personal card user according to an embodiment stores account information or card information of the user, and a card company server by scraping or electronic data exchange using the account information or card information A communication unit configured to receive a usage breakdown of a personal card from a display unit configured to display a usage breakdown of the personal card; and a usage breakdown of the personal card displayed on the display unit. And an input unit configured to receive input of user selection information with respect to the use breakdown submitted for expense processing.

The communication unit is further configured to transmit one or more usage details selected to be submitted according to the selection information to the management service server for expense processing.
In one embodiment, the input unit is further configured to receive input of one or more recipient information for receiving the one or more usage breakdowns. The communication unit is further configured to transmit the recipient information to the management service server.

  In one embodiment, the communication unit is configured to further receive a user list generated based on a user database of the management service server from the management service server. At this time, the recipient information includes selection information for one or more users included in the user list.

  According to one embodiment, a method for processing a usage breakdown of a personal card includes a step in which a management service server receives one or more usage breakdowns submitted for expense processing from a first user device of a personal card user; The management service server storing the one or more usage breakdowns in the management service server for expense processing; and the management service server in the second user device of the expense handler Transmitting notification information corresponding to the usage breakdown.

  In one embodiment, the one or more usage breakdowns are obtained from a card company server by scraping or electronic data exchange using user account information or card information in the first user device.

  In one embodiment, transmitting the notification information includes transmitting one or more of an SMS message, an MMS message, an email, or a push notification to the second user device.

  According to an embodiment of the present invention, there is provided a method of processing a usage breakdown of a personal card, wherein the management service server receives one or more recipient information for receiving the one or more usage breakdowns from the first user device. In addition. At this time, transmitting the notification information includes transmitting the notification information to the second user device corresponding to the recipient information.

  In one embodiment, the step of transmitting the notification information specifies the second user device corresponding to the recipient information by querying a user database of the management service server using the recipient information. The method further includes the step of:

  According to an embodiment of the present invention, there is provided a method of processing a usage breakdown of a personal card, wherein the management service server generates a user list generated based on a user database before receiving the one or more recipient information. The method further includes transmitting to the first user device. At this time, the recipient information includes selection information for one or more users in the user list.

  According to another embodiment of the present invention, a personal card use breakdown processing method is such that a user device of a personal card user uses a card company server by scraping or electronic data exchange using the user account information or card information. Receiving a usage breakdown of the personal card from the user device; displaying a usage breakdown of the personal card on the user device; and based on the usage breakdown of the personal card displayed on the user device. Receiving user selection information for the usage breakdown to be submitted to the user device; and managing one or more usage breakdowns selected by the user device to be submitted according to the selection information. Transmitting to the service server.

  According to one embodiment, a method for processing a usage breakdown of a personal card comprises receiving one or more recipient information for receiving the one or more usage breakdowns into the user device; and And transmitting the one or more recipient information to the management service server.

  In one embodiment, receiving the one or more recipient information to the user device receives the user list generated based on a user database of the management service server at the user device. And receiving input to the user device of selection information for one or more users of the user list.

  A computer program according to an embodiment is combined with hardware to execute the processing method of the use breakdown of the personal card according to the above-described embodiment, and is stored in a computer-readable medium. It may be.

  According to the personal card use breakdown processing system and method according to one aspect of the present invention, an application that is executed on an own user device by officers and employees who have spent using the personal card for the purpose of company expenses. (Or app (app)) to easily inquire about the usage breakdown, specify the recipient for the usage breakdown to be submitted for expense processing, describe the intended use, etc. Can be easily transmitted to.

  According to the personal card usage breakdown processing system and method according to one aspect of the present invention, the personal card user receives the usage breakdown from the card company using his / her user device, and only the usage breakdown to be submitted is included. Since it is selected and transmitted to the management service server, there is no risk of infringement on the personal information and private life of officers and employees, and the usage details of the personal card can be collected quickly and efficiently.

  Further, according to the personal card use breakdown processing system and method according to one aspect of the present invention, the receipt data transmitted by the user of the personal card, the usage, etc. are stored in the management service server, and the designated expense is stored. A notification to that effect can be transmitted to the person in charge of processing. The person in charge of expense processing who received the notification can connect to the management service server and refer to the personal card receipt data, accept or return the receipt, confirm the usage amount, usage and content, If necessary, expense processing such as correcting this can be performed.

It is a schematic block diagram of the processing system of the use breakdown of the personal card based on one Example. It is a schematic block diagram of the user apparatus which concerns on one Example. It is a schematic flowchart of the processing method of the use breakdown of the personal card based on one Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen on the user apparatus for the process of the use breakdown of the personal card based on an Example. It is an image which shows the example screen connected to the management service server which concerns on one Example from the user apparatus of an expense processing person in charge.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a schematic block diagram of a personal card usage breakdown processing system according to an embodiment.

  Referring to FIG. 1, the personal card usage breakdown processing system according to the present embodiment is a usage breakdown submitted for expense processing from the first user device 1 and the first user device 1 of the personal card user. The management service server 3 that receives The first user device 1 and the management service server 3 are configured to be able to communicate with each other via a wired and / or wireless network 2. The first user device 1 is also configured to be able to communicate with the card company server 4. In one embodiment, the management service server 3 is configured to be able to communicate with the NTA server 5 as well. Furthermore, the management service server 3 is configured to be able to communicate with the second user device 6 of the person in charge of expense processing.

  The communication method via the wired and / or wireless network 2 may include any communication method in which an object can network, and is not limited to wired communication, wireless communication, 3G, 4G, or other methods. . For example, the wired and / or wireless network 2 includes a LAN (Local Area Network), a MAN (Metropolitan Area Network), a GSM (registered trademark) (Global Network for Mobile Network), and an EDGE (Enhanced GSM registered trademark). HSDPA (High Speed Downlink Packet Access), W-CDMA (Wideband Code Division Multiple Access), CDMA (Code Division Multiple Access), TDMA (Time Multiple THIS) Registered trademark)), ZigBee (ZIGBEE (registered trademark)), Wi-Fi, VoIP (Voice over Internet Protocol), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced (HSPA +, 3GPP LongTelM) IEEE 802.16e), UMB (former EV-DO Rev. C), Flash-OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA) Microwave A cess) and it may be those indicating the communication network according to one or more communication method selected from the group consisting of ultrasound utilizing communication, but not necessarily limited thereto.

  In one embodiment, the management service server 3 includes a reception unit 31, a storage unit 32, and a notification transmission unit 33. In one embodiment, the management service server 3 further includes a user database 34.

  The system, the user apparatus, and the server according to the embodiment may be entirely hardware, or may have a surface that is partially hardware and partially software. For example, the user devices 1 and 6 and the management service server 3 and the units included therein process data of a specific format and content and / or exchange data in an electronic communication system. It may refer to hardware and related software. In this specification, terms such as “unit”, “module”, “apparatus”, “terminal”, “server” or “system” indicate a combination of hardware and software driven by the hardware. Intended. For example, the hardware may be a data processing device that includes a CPU or other processor. In addition, software driven by hardware may indicate a process being executed, an object, an executable file, an execution thread, a thread of execution, a program, and the like.

  Each element constituting the management service server 3 according to the present embodiment is not necessarily intended to indicate a separate device physically separated from each other. That is, the receiving unit 31, the storage unit 32, the notification transmission unit 33, and the user database 34 in FIG. 1 functionally classify the hardware configuring the management service server 3 according to the operation executed by the hardware. However, it is not always necessary that the respective parts are provided independently of each other. Of course, depending on the embodiment, one or more of the reception unit 31, the storage unit 32, the notification transmission unit 33, and the user database 34 may be embodied as separate devices that are physically separated from each other. It is.

  In one embodiment, the management service server 3 communicates with an application (or application (app)) executed on the first user device 1 of the personal card user at least partially to execute the function of the application. Perform application server functions to enable. Or / or the management service server 3 provides a predetermined web page (web page) connectable via a web browser or the like executed on the first user device 1 and the second user device 6. It can also have the function of a web server to be provided.

  The first user device 1 according to an embodiment is realized in the form of a smart phone, and the first user device 1 communicates with the card company server 4 and the management service server 3 via an application to process expenses. Inquire about the breakdown of the use of personal cards and submit receipts. However, the form of the first user device 1 is not limited to a smartphone, and the first user device 1 can be another mobile communication terminal, a personal computer, a notebook computer, a PDA. (Personal digital assistant), tablet (tablet), IPTV (Internet Protocol Television), etc. It may be realized in the form of an arbitrary computing device such as a set-top box (set-top box).

  In this specification, a user of a personal card refers to a company officer or employee of a company who uses a card for the purpose of spending the company and uses a card issued in the name of the individual instead of a corporate card in the name of the company. In this specification, the 1st user apparatus 1 points out the apparatus which an above-mentioned personal card user uses. Further, in this specification, the personal card indicates a card issued in the name of the individual user who uses the first user device 1 and is not a corporate card in the name of the company. Further, in the present specification, the second user device 6 indicates a device used by an expense processing person who mainly handles expense processing within a company.

  When processing the amount spent on the personal card of officers and employees, personal information and personal life infringement may be incurred, so it is impossible for the company to collect the card usage breakdown directly. The embodiment of the present invention is for solving such inconvenience, and only the usage breakdown selected by the user in the first user device 1 is transmitted to the management service server 3 for management. The service server 3 is configured so that receipt data can be collected and expenses can be processed smoothly without infringement on the personal information and private life of officers and employees. A specific operation will be described below.

FIG. 2 is a schematic block diagram of a user device according to an embodiment.
The user device according to the present embodiment is for a personal card user and corresponds to the first user device 1 of the embodiment shown in FIG. Referring to FIG. 2, the user device 1 includes a communication unit 11, a display unit 12, and an input unit 13. The units 11 to 13 shown in FIG. 2 functionally divide the user device 1 according to the operations performed for processing the use breakdown of the personal card in the user device 1, and are not necessarily physically connected to each other. It does not indicate a separate element divided into For example, the display unit 12 and the input unit 13 may be integrated in the form of a touch screen that performs display and input via a screen at a time.

  The communication unit 11 is configured to transmit a request for a usage breakdown of a personal card to the card company server 4 and receive a usage breakdown of the personal card from the card company server 4. In accordance with the method of inquiring the usage breakdown from the card company server 4, the communication unit 11 can use the user account information (for example, ID and password, or authorized certificate and certificate password) and / or personal card card. Information (for example, card number, validity period, and CVC) can be stored, and part or all of the information can be transmitted to the card company server 4 when a usage breakdown is requested.

  In one Example, the communication part 11 acquires the use breakdown of a personal card from the card company server 4 by the scraping (scraping) system. In this specification, scraping means a technique for extracting only necessary information from the information provided by the card company server 4 through a homepage and bringing it as data. There are screen scraping and data scraping depending on the method. The communication unit 11 is configured to acquire the use details of the personal card from the card company server 4 by any known scraping technique. The scraping by the communication unit 11 may be performed periodically, or may be performed when an inquiry request is received from the user.

  In another embodiment, the communication unit 11 acquires the usage details of the personal card from the card company server 4 by an electronic data interchange (EDI) method. In this specification, EDI refers to information transmission that converts information provided by the card company server 4 into standardized electronic data in accordance with a predetermined communication standard so that the converted electronic data can be received on the communication unit 11 side. Point to the method. An agreement with the card company server 4 may be made to respond to a request through an application executed on the user device 1 so that the use breakdown of the personal card can be obtained by the EDI method.

  In one embodiment, the inquiry about the use breakdown of the personal card by the communication unit 11 is at least partially performed using a dedicated line connected to the card company server 4. For this reason, the communication unit 11 can exchange data with the card company server 4 via a gateway server (not shown) connected to the card company server 4 via a dedicated line. In this specification, the leased line refers to a network that is exclusively connected to the card company server 4 instead of the public network. For example, the dedicated line may be a dedicated line by software means realized by using a virtual private network (VPN) on a TCP / IP protocol-based network, and may be a digital service unit (Digital Service Unit). A dedicated line by hardware means for physical connection using a DSU) or a router. Also, the management service server 3 can be connected at least partially to the card company server 4 through a dedicated line, and can function as a gateway server.

  In one embodiment, the communication unit 11 further communicates with the NTA server 5 to inquire the taxation type for each usage in the use breakdown of the personal card, and further receives taxation type information for each usage. In the application executed on the first user device 1, the taxation type information of the usage destination is displayed together with the usage breakdown of the personal card, and from this, the personal card user is subject to taxation on the business corresponding to each usage destination. You can easily determine whether you are tax-exempt, a general taxer, or a simple taxer.

  Moreover, in one Example, the communication part 11 may be comprised so that the presence or absence of a company corresponding to each use place may be further inquired by communicating with the NTA server 5.

  The above-described taxation type inquiry and inquiry about whether or not the company is closed and / or closed may be performed by a method in which information provided by the NTA server 5 is scraped by the communication unit 11. Alternatively, the taxation type inquiry and the inquiry about the absence or closure of business may be made at least partially via a dedicated line communicably connected to the NTA server 5. Here, the dedicated line may be similar to the dedicated line that connects the gateway server and the card company server 4 described above.

  The display unit 12 is configured to display a usage breakdown of the personal card received by the communication unit 11, and the personal card user looks at the usage breakdown of the personal card displayed on the display unit 12 to process expenses. Selection information relating to the use breakdown to be submitted as receipt data to the expense processing person can be input to the input unit 13. The receipt data of the usage breakdown to be submitted may include an approval number, approval date and time, usage destination information, usage amount, etc. of expenditure using a personal card. At this time, the user can further input to the input unit 13 usage information and contents, recipient information (that is, expense processing person information) for receiving the receipt, etc. in relation to the usage breakdown to be submitted. .

A specific receipt selection and submission process using the user device according to the embodiment will be described in detail later with reference to FIGS.
Referring to FIG. 1 again, the receiving unit 31 of the management service server 3 receives one or more usage details submitted from the first user device 1 of the individual card user. The received usage breakdown includes receipt data, and may further include usage information entered by the user, contents and / or recipient information for receiving the receipt. In the embodiment, the management service server 3 does not store account information or card information for inquiring about the use details of personal cards. The inquiry process using the account information or the card information is performed by the first user device 1, and the management service server 3 receives only the receipt data submitted by the user. Therefore, there is no fear of infringement on personal information and personal life of the personal card user.

  The management service server 3 stores the usage breakdown received by the receiving unit 31 in the storage unit 32, and the usage breakdown is addressed to the recipient designated by the user of the first user device 1 (that is, the expense processing person in charge). The notification information indicating that it has been received is transmitted. The management service server 3 inquires the user database 34 stored in advance, specifies the second user device 6 of the person in charge of expenses corresponding to the recipient, and transmits the notification to the second user device 6 You can also The notification is transmitted to the second user device 6 in the form of SMS (Short Message Service) message, MMS (Multimedia Message Service) message, e-mail, push notification via application or other suitable form. .

  The person in charge of expense processing can recognize that there is a receipt applied for expense processing from the notification received by the second user device 6, and the management service server using the second user device 6. By browsing to the usage breakdown stored in the management service server 3 by connecting to 3, accept or return the receipt, check the amount, usage and contents of the receipt, if necessary, modify this Necessary procedures can be performed for approval of cost execution.

FIG. 3 is a schematic flowchart of a method for processing a breakdown of use of a personal card according to an embodiment.
Referring to FIG. 3, a personal card user can request a usage breakdown from the card company server 4 using his / her first user device 1 (S1). For this purpose, the user can use the first user device 1 as account information on the card company's homepage as information related to the personal card used by the user (for example, ID and password, or authorized certificate and certificate password, etc. ) And / or card information (e.g. card number, validity period and CVC) can be entered in advance. In one embodiment, the first user device 1 receives the usage details of the personal card from the card company server 4 by the screen scraping method or EDI method using the account information and / or card information described above.

  When a breakdown of the use of the personal card including the approval number, approval date and time, usage information, usage amount, etc. for a series of expenditures using the personal card is transmitted from the card company server 4 to the first user device 1 (S2), The first user device 1 displays a usage breakdown of the received personal card (S3). At this time, the first user device 1 can further perform a process of inquiring from the NTA server about the taxation type of the use destination corresponding to the use breakdown and the presence or absence of business closure and / or business closure. On the other hand, communication between the first user device 1 and the card company server 4 may be performed by encrypted communication via a public network, or at least partially between the card company server 4 and a dedicated line. It may be performed via a gateway server connected in this way. For example, the management service server 3 can also function as a gateway server.

  The personal card user confirms the usage breakdown of the personal card displayed on the first user device 1 and sends selection information for one or more usage details to be submitted for expense processing to the first user device 1. It is possible to input (S4). At this time, the individual card user can further input the usage and contents related to the usage breakdown to be submitted, recipient information (that is, expense processing person information) for receiving the receipt, and the like. In one embodiment, the first user device 1 receives a user list based on the user database of the management service server 3 from the management service server 3, and the user receives a receipt based on the received user list. The recipient can also be entered.

  4 to 7 are images showing exemplary screens on the user device for processing the use breakdown of the personal card according to the embodiment. With reference to FIGS. 4-7, the process (S3, S4) of displaying the usage breakdown of the personal card on the user device and selecting the usage breakdown to be submitted will be described in detail.

  FIG. 4 shows a screen in which a personal card user executes an application on the user device and inquires about the limit of the personal card. The available balance, usage amount, received by communication with the card company server, Information such as the total amount of money used is displayed on the screen of the user device. The user interface of the application displayed on the screen may include interface elements 401 to 404 corresponding to the summary, usage breakdown list, notification, and other settings, respectively. Further, when the user has a plurality of personal cards, a drop-down element 405 for selecting a personal card to be inquired may be displayed on the screen. However, those skilled in the art will readily understand that the form of the user interface shown in FIG. 4 is merely exemplary.

  FIG. 5 shows a screen on which a usage breakdown list is displayed by selecting the interface element 402 via the screen shown in FIG. In the screen of FIG. 5, usage details 501 to 504, 511, and 512 of personal cards inquired by communication with the card company server are displayed in a list form. Each usage breakdown 501 to 504, 511, 512 includes information such as a usage date, a usage amount, and a usage destination. When the user has a plurality of personal cards, the usage breakdown may be displayed separately for each card.

  In one embodiment, the display forms of the usage breakdowns 501 to 504 for which personal card users have already submitted receipts for expense processing and the usage breakdowns 511 and 512 for which receipts have not yet been submitted are different from each other, Make it easy for users to understand the breakdown of usage for submitting receipts. In FIG. 5, the usage breakdowns 501 to 504 for which receipts have already been submitted and the usage breakdowns 511 and 512 for which receipts have not yet been submitted are displayed in different colors, but this is exemplary. In this embodiment, it is also possible to display in other different forms such as arranging the usage breakdown separately depending on whether or not a receipt is submitted.

FIGS. 6a to 6e are screens showing a process in which a personal card user inputs selection information for submitting a receipt for a specific usage breakdown.
When the user selects any one usage breakdown 600 that has not yet submitted a receipt from the usage breakdown list shown in FIG. 6a, detailed information related to the usage breakdown is separately displayed as shown in FIG. 6b. It may be displayed on the screen. Detailed information displayed on a separate screen includes usage breakdown information 604 including information such as a card approval number, an approval amount, a supply amount, and a value-added tax, and usage destination information 601 including a usage name and a business registration number , Including the business type 603 of the use destination. In one embodiment, the user device further receives the tax type information of the user by communicating with the NTA server, which includes detailed information on the usage breakdown, as shown at 602 in FIG. 6b. Displayed on the user device as part.

  When the user selects the interface element 605 to submit a receipt for the usage breakdown from the screen shown in FIG. 6b, an additional item for selecting the recipient of the receipt as shown in FIG. 6c. A screen may be displayed. The recipient of the receipt indicates an expense processing person who approves and approves the expense processing for the receipt. The user device receives and displays the related user list from the management service server, and the personal card user can designate one or a plurality of users in the received user list as the recipient.

  In one embodiment, the user database of the management service server includes relationship information between a plurality of users, and the management service server generates a related user list related to the individual card user using the relationship information. By presenting this to the user device, the individual card user can easily select the person in charge of the expense processing related to him / her.

  For example, each user's company information is stored in the user database, and the management service server consists only of users who belong to the same company as the individual card user who requests the receipt. The user list may be transmitted to the user device so that the user identifies the receipt recipient from the related user list.

  Alternatively, the user database contains online contact information that was entered in advance by each user and stored in the user database, and the management service server requests the online contact information of the individual card user who requests the receipt. It is also possible to transmit the user list registered in the user device to the user device so that the user can identify the recipient of the receipt from his / her online contact information.

  When the personal card user selects the recipient of the receipt, as shown in FIG. 6d, a usage breakdown inquiry screen including the designated recipient information 606 is displayed. In addition, the user can input the usage (for example, gasoline fee, transportation cost, etc.) for the usage breakdown by selecting the interface element 607 from the screen, and the usage content by selecting the interface element 608. Can also be entered. The personal card user enters all the necessary information and then selects the interface element 609 to submit a receipt, so that the recipient information specified by the user and the usage entered by the user and / or The contents are transmitted to the management service server as user selection information for transmitting the contents to the management service server.

  In one embodiment, the user may further attach an image obtained by scanning or scanning a paper receipt as information on the usage breakdown to be submitted. FIG. 6e shows a screen that is displayed when the user selects the interface element 608 from the screen shown in FIG. 6d. The user can enter the screen via the input field 610 of the screen shown in FIG. 6e. You can enter a breakdown of usage. At this time, the user selects each interface element 611 to 613 shown on the screen to newly shoot an image, select a stored image, or another attached file other than the image. Can be selected and entered in the input field 610. By using this, the user inputs the paper receipt image 620 corresponding to the receipt data he / she submits into the input field 610 so that the receipt image 620 together with other electronic information is managed by the management service server. Can be transmitted.

  4 to 6 show screens when the personal card user first submits a receipt. If the user has previously submitted a receipt, the recipient must be sent each time. The user interface can also be configured so that it does not need to be specified again.

  FIGS. 7a and 7b show exemplary screens for this, and if you have previously filed a receipt, on the usage breakdown details inquiry screen as shown in FIG. 7a. The person-in-charge information 700 that has previously received a receipt from the personal card user may be displayed. The personal card user can designate a person in charge of expense processing who receives the receipt to be submitted this time by selecting a specific person in charge from the person-in-charge information 700. In addition, the individual card user calls the person-in-charge list management screen as shown in FIG. 7B by selecting the interface element 701, and can add or delete persons in charge displayed as the person-in-charge information 700. it can.

  Referring to FIG. 3 again, the usage breakdown submitted from the first user device 1 of the personal card user is transmitted to the management service server 3 (S5). The management service server 3 stores the received usage receipt data and related information in the management service server 3 (S6), and addresses the second user device 6 of the person in charge of the expense processing designated as the recipient from the related information. The notification information is transmitted to (S7). The notification information is in the form of a second user device in the form of SMS, MMS, email, push notification via application, etc. so that the expense handler can recognize the fact that there is a receipt submitted for expense processing. 6 is transmitted. The management service server 3 specifies necessary information such as the mobile phone number and e-mail address of the person in charge of the expense received by referring to the user database using the recipient information designated by the individual card user. It is also possible to transmit notification information using this.

  The person in charge of expense processing who has received the notification information uses the second user device 6 to connect to the management service server 3, thereby confirming the receipt and related information received and stored in the management service server 3. (S8). At this time, the management service server 3 is a web server that provides a predetermined web page that allows a person in charge of expense processing to perform expense processing such as approval and approval for the use breakdown to which the receipt is submitted and the receipt is submitted. It can have both functions.

FIG. 8 is an image showing an exemplary screen connected to the management service server according to one embodiment from the user device of the expense processing person in charge.
Referring to FIG. 8, the expense processing person in charge can view the breakdown of the use of the personal card received by connecting himself / herself to the management service server. The submitted usage breakdown may include receipt data and information such as a user corresponding to the receipt, a use date, a use amount, a use destination, and a use purpose and / or contents. The submitted usage breakdown may include an image of a real receipt corresponding to the receipt data. Expense processing personnel can view the usage details of all individual card users at once, or can inquire about the current status of the card user or view the usage details of individual users separately. it can. Further, the person in charge of expense processing can also perform management work such as registering or correcting personal card users for expense processing.

  The operation of the personal card use breakdown processing method according to the embodiment described above may be realized at least partially by a computer program and recorded on a computer-readable recording medium. The computer-readable recording medium in which the program for realizing the operation according to the method for processing the use breakdown of the personal card according to the embodiment is recorded, and the computer-readable recording medium includes all kinds of recording devices in which the computer-readable data is stored. . Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy (registered trademark) disk, optical data storage device, and the like. Further, the computer-readable recording medium may be distributed in computer systems connected via a network, and a computer-readable code may be stored and executed in a distributed manner. Also, a functional program, code, and code segment (Segment) for realizing the present embodiment should be easily understood by those skilled in the art to which the present embodiment belongs.

  Although the present invention has been described above with reference to the embodiments shown in the drawings, this is merely illustrative, and various modifications and variations of the embodiments can be made by those skilled in the art. You will understand what is possible. Such modifications should be considered to be within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be determined by the technical idea of the claims.

  The embodiment relates to a system, method, and computer program for processing the use of a personal card, and more specifically, it is possible to easily collect a breakdown of expenses spent by company officers and employees using a personal card for the purpose of expenses. The present invention relates to a technology capable of easily transmitting a collected usage breakdown to a person in charge of expense processing.

Claims (18)

A first user device of a personal card user that stores user account information or card information associated with a card issued under the user's personal name, and uses the account information or the card information The personal card usage breakdown is received from the card company server by the scraping or electronic data exchange method, and the personal card usage breakdown is submitted for expense processing. One selected by the user Receiving the one or more usage breakdowns from the first user device and sending the received one or more usage breakdowns as expenses; A management service configured to store for processing and transmit notification information corresponding to the one or more usage breakdowns to a second user device of the expense handler. The Susaba seen including,
The management service server
Without storing the account information and the card information,
The one or more usage breakdowns are provided so that the one or more usage breakdowns can be confirmed by connecting to the management service server using the second user device that has received the notification information. A personal card usage breakdown processing system configured to: A management service server for processing the use of personal cards.
Submitted by the first user device of the personal card user for expense processing out of the usage details of the personal card associated with the card issued under the user's personal name, selected by the user A receiver configured to receive one or more usage breakdowns;
A storage unit configured to store the one or more usage breakdowns received by the receiving unit for expense processing; and notification information corresponding to the one or more usage breakdowns of a second cost processing person A notification transmitter configured to transmit to the user device ;
The management service server
Do not store account information and card information for receiving the usage breakdown of the personal card from the card company server,
The one or more usage breakdowns are provided so that the one or more usage breakdowns can be confirmed by connecting to the management service server using the second user device that has received the notification information. Configured to
The one or more usage breakdowns are obtained from a card company server by a scraping or electronic data exchange method using a user's account information or card information in the first user device. Management service server for breakdown processing. The use of the personal card according to claim 2 , wherein the notification information includes one or more of an SMS (Short Message Service) message, an MMS (Multimedia Message Service) message, an email, or a push notification. Management service server for breakdown processing. The receiving unit is configured to further receive one or more recipient information for receiving the one or more usage breakdowns from the first user device,
The said notification transmission part is further comprised so that the said notification information may be transmitted to the said 2nd user apparatus corresponding to the said recipient information, The use breakdown process of the personal card | curd of Claim 2 Management service server. A user database storing a plurality of user information;
The notification transmission unit is further configured to identify the second user equipment corresponding to the received personal information by querying the user database using the received personal information, claims A management service server for use breakdown processing of the personal card according to 4 . The receiving unit is further configured to transmit a user list generated based on the user database to the first user device,
6. The management service server for personal card use breakdown processing according to claim 5 , wherein the recipient information includes selection information for one or more users of the user list. A user device for a personal card user,
Stores the user's account information or card information associated with the card issued under the user's personal name, and from the card company server by scraping or electronic data exchange using the account information or the card information A communications department configured to receive a breakdown of personal card usage;
The personal card use display unit configured to display the breakdown of; based on the use Breakdown of the individual card displayed on and the display unit, wherein for one or more uses breakdown submitted for expense processing Including an input unit configured to receive input of user selection information;
The communication unit further transmits the one or more use items that are selected shall be submitted by the selection information to the management service server for expense processing by expenses handlers company corresponding to said user It is configured to,
The management service server does not store account information and card information for receiving a use breakdown of the personal card from the card company server . The input unit is further configured to receive input of one or more recipient information for receiving the one or more usage breakdowns,
The user device according to claim 7 , wherein the communication unit is further configured to transmit the recipient information to the management service server. The communication unit is further configured to receive a user list generated based on a user database of the management service server from the management service server,
The user device according to claim 8 , wherein the recipient information includes selection information for one or more users included in the user list. The management service server submits from the first user device of the personal card user for expense processing in the usage breakdown of the personal card issued under the user's personal name, selected by the user Receiving one or more usage breakdowns;
The management service server storing the one or more usage breakdowns in the management service server for expense processing;
The management service server transmitting notification information corresponding to the one or more usage breakdowns to a second user device of an expense processor ; and
The one or more usage details can be confirmed by the management service server connecting to the management service server using the second user device that has received the notification information. viewing including the step of providing more than three the use breakdown,
The one or more usage breakdowns are obtained from the card company server by scraping or electronic data exchange using user account information or card information in the first user device,
The management service server does not store account information or card information for receiving a usage breakdown of the personal card from the card company server, a method of processing a usage breakdown of a personal card. The step of transmitting the notification information includes transmitting one or more of an SMS (Short Message Service) message, an MMS (Multimedia Message Service) message, an e-mail, or a push notification to the second user apparatus. The processing method of the use breakdown of the personal card of Claim 10 including the step of carrying out. The management service server further comprising receiving one or more recipient information for receiving the one or more usage breakdowns from the first user device;
The method of processing the use breakdown of a personal card according to claim 10 , wherein the step of transmitting the notification information includes the step of transmitting the notification information to the second user device corresponding to the recipient information. The step of transmitting the notification information further includes identifying the second user device corresponding to the recipient information by querying a user database of the management service server using the recipient information. A method for processing a breakdown of use of a personal card according to claim 12 . Before the step of receiving the one or more recipient information, the management service server further includes transmitting a user list generated based on a user database to the first user device;
The method according to claim 12 , wherein the recipient information includes selection information for one or more users in the user list. The personal card user's user device is an individual from the card company server by the scraping or electronic data exchange method using the user's account information or card information associated with the card issued in the user's personal name. Receiving a card usage breakdown;
Displaying a usage breakdown of the personal card on the user device;
Step for receiving an input of said displayed to the user device on the basis on the use breakdown of individual cards, to the user device of the user selection information for one or more uses breakdown submitted for expense processing And the user device transmits one or more usage details selected to be submitted according to the selection information to a management service server for processing by an expense processing person in the company corresponding to the user. only including,
The management service server does not store account information or card information for receiving a usage breakdown of the personal card from the card company server, a method of processing a usage breakdown of a personal card. Receiving one or more recipient information for receiving the one or more usage breakdowns to the user device; and the user device receiving the one or more recipient information to the management service server; The method for processing a breakdown of use of a personal card according to claim 15 , further comprising the step of transmitting. Receiving the one or more recipient information into the user device;
Receiving a user list generated based on a user database of the management service server at the user device; and inputting selection information for one or more users of the user list to the user device. The method for processing a breakdown of use of a personal card according to claim 16 , comprising the step of: A computer program stored in a computer-readable medium so as to execute the method for processing a use breakdown of a personal card according to any one of claims 10 to 17 in combination with hardware.