JP6680764B2 - System, method and computer program for preventing illegal expense processing using personal card - Google Patents

Description

  The embodiment relates to a system, method, and computer program for preventing fraudulent expense processing using a personal card, and more specifically, it is canceled out of the breakdown of expenses paid by the executives and employees of the company using the personal card for the purpose of expenses. Technology that automatically collects the breakdowns and prevents fraudulent expense processing.

  In a company, for the convenience of cost execution, a corporate card shared or an individual corporate card is usually issued to the officers and employees who belong to the company. However, it is not possible to issue corporate cards to all executives and employees, so in the case of executives and employees who could not receive issuance of corporate cards, use personal cards to spend expenses and After preparing a corresponding expenditure resolution, it is submitted together with a voucher document (for example, a receipt) to the expense processing staff of the company. Such a submission process is usually done by hand using printed documents, and after approval of the expenditure resolution is approved, the approved expenditure resolution is woven and stored in a warehouse. It is the actual situation in which the images are scanned and stored in the server.

  Even if the breakdown is used for the purpose of company expenses, it is not possible to directly collect the staff card usage breakdown at the company for reasons such as protection of personal information and prevention of infringement of personal life. Therefore, even if the expense is incurred, the expense processor cannot recognize the fact of the expense until the staff member who uses the personal card attaches the voucher and attaches it. On the other hand, from the standpoint of the staff member who used the personal card, the preparation of the expenditure resolution with the attachment of voucher documents such as paper receipts is a very cumbersome process that must be done by hand. Various things such as decrease of business efficiency due to concentration of resolutions at the end of the month, unnecessary work processing delay due to manual work, data error and data omission due to manual work, and unnecessary incidental costs for paper document creation, etc. I had to accept the problem of.

  After the staff spends the expenses using the personal card, the usage details submitted may be canceled due to the circumstances of the company or the malicious intention of the staff. However, it is impossible for the company to directly collect or be notified of the details of the expenditures that have been canceled using the personal card, so unless the staff who has acted to cancel the expenditure details reports itself. The company cannot confirm whether the expenditure has been finalized. Therefore, from the standpoint of the company, there is a problem in that it is impossible to justify the cost payment and manage the risk thereafter by using the personal card of the employee.

  According to one aspect of the present invention, executives and employees collect the details of expenses spent using their own personal cards for the purpose of company expenses, submit them to the expense processing staff, and cancel the submitted receipts. By using the personal card that can automatically verify and confirm from the report provided to the company administrator, the risk of payment of expenses that the company should not pay can be verified after the accident and accidents can be prevented. A system and method for preventing fraudulent expense processing, a management service server, a user device, and a computer program therefor can be provided.

A fraudulent expense processing prevention system using a personal card according to an embodiment includes a user device of a personal card user and a management service server.
The user device receives the usage details of the personal card from the card company server, and transmits one or more usage details selected from the usage details of the personal card to be submitted for expense processing. Composed.

The management service server is configured to receive the one or more usage details from the user device and store the received one or more usage details for expense processing.
Further, the user device further receives a usage breakdown of the canceled personal card from the card company server, and transmits the usage breakdown of the canceled personal card to the management service server. It is further configured to transmit to the management service server information regarding canceled usage details of the one or more usage details as compared to the details.

In one embodiment, the user device is further configured to periodically receive a usage breakdown of the canceled personal card from the card company server.
In another embodiment, the user device is configured to receive a usage breakdown of the canceled personal card from the card company server in response to a preset application being executed on the user device. Is further configured.

  A management service server for preventing fraudulent expense processing using a personal card according to an embodiment submits for personal expense processing of personal card usage details from a first user device of a personal card user. A receiver configured to receive one or more selected usage details and information about the canceled usage details of the one or more usage details; the one or more received by the communication unit. A storage configured to store a usage breakdown for the expense processing; and comparing the one or more usage breakdowns stored in the storage with information about the canceled usage breakdown, A cancellation history management unit configured to update the one or more usage details stored in the storage unit.

  In one embodiment, the cancellation history management unit further provides a report regarding a cancellation history of the one or more usage details submitted for expense processing to the second user device of the expense processing person. Composed.

  In one embodiment, the information about the one or more usage details and the canceled usage details is obtained by a scraping or electronic data exchange method using the user's account information or card information in the first user device. It was obtained from the company server. At this time, the management service server does not store the account information and the card information, but receives the information acquired by the first user device from the card company server.

  A user device according to an embodiment is for use by a personal card user, stores the user's account information or card information, and scrapes using the account information or the card information. A communication unit configured to receive a usage breakdown of the personal card from the card company server by an electronic data exchange method; a display unit configured to display the usage breakdown of the personal card; and displayed on the display unit. And an input unit configured to receive the user's selection information regarding the usage details to be submitted for expense processing based on the usage details of the personal card.

  The communication unit transmits one or more usage details selected to be submitted according to the selection information to a management service server for expense processing, and scraping or electronic data exchange using the account information or the card information. The method further receives the usage details of the canceled personal card from the card company server, and compares the usage details of the canceled personal card with the one or more usage details transmitted to the management service server. Further comprising transmitting to the management service server information regarding canceled usage details of the one or more usage details.

In one embodiment, the communication unit is further configured to periodically receive a usage breakdown of the canceled personal card from the card company server.
In another embodiment, the communication unit further receives a usage breakdown of the canceled personal card from the card company server in response to a preset application being executed on the user device. Composed.

  In an embodiment, the communication unit is further configured to automatically receive the usage details of the canceled personal card without receiving a user input for receiving the usage details of the canceled personal card. Composed.

  A method of preventing fraudulent expense processing using a personal card according to an embodiment is such that a management service server receives one or more usage details submitted for expense processing from a first user device of a personal card user. The management service server stores the one or more usage breakdowns in the management service server for expense processing; the management service server stores the one or more usage breakdowns from the first user device. Receiving information about the canceled usage details; and the management service server updates the one or more usage details stored in the management service server based on the information about the canceled usage details. Including stages.

  A method of preventing fraudulent expense processing using a personal card according to an embodiment provides a second user device of a expense processing person in charge of reporting a cancellation history report of the one or more usage breakdowns submitted for expense processing. Further comprising the step of providing.

  In one embodiment, the information about the one or more usage details and the canceled usage details is obtained by a scraping or electronic data exchange method using the user's account information or card information in the first user device. It was obtained from the company server. At this time, the management service server does not store the account information and the card information, but receives the information acquired by the first user device from the card company server.

  A method for preventing fraudulent expense processing using a personal card according to another embodiment is such that a user device of a personal card user uses a scraping or electronic data exchange method using the user's account information or card information. Receiving the usage breakdown of the personal card from the card company server; displaying the usage breakdown of the personal card on the user device; based on the usage breakdown of the personal card displayed on the user device Receiving, into the user device, user's selection information regarding usage details to be submitted for expense processing; one or more uses selected by the user device to be submitted according to the selection information. Transmitting the breakdown to the management service server; the user device scraping using the account information or the card information of the user. Receiving the usage details of the canceled personal card from the card company server by an electronic data exchange method; and the user device transmitting the usage details of the canceled personal card to the management service server. Comparing the one or more usage details with the canceled usage details of the one or more usage details to the management service server.

In one embodiment, receiving the canceled personal card usage details is performed periodically.
In another embodiment, receiving the usage details of the canceled personal card is performed in response to a preset application running on the user device.

  In an embodiment, the step of receiving the usage details of the canceled personal card is automatically performed without receiving the user input for receiving the usage details of the canceled personal card.

  A computer program according to an exemplary embodiment is combined with hardware to execute the method for preventing fraudulent expense processing using the personal card according to the exemplary embodiment, and is stored in a computer-readable medium. It may be one.

  According to the system and method for preventing fraudulent expense processing using a personal card according to one aspect of the present invention, executives and employees who have spent using a personal card for the purpose of company expenses can execute it on their own user device. You can easily inquire the usage details via the application (or application (app)) to be specified, specify the recipient for the usage details to be submitted for expense processing, describe the intended use, etc., and collect the receipt data. It can be easily communicated to the expense processor.

  Further, according to the system and method for preventing fraudulent expense processing using a personal card according to one aspect of the present invention, it is possible to determine whether or not there is a canceled use breakdown among the use breakdowns submitted for expense processing. By automatically inquiring by the user device of the user and automatically transmitting the inquired cancellation details to the management service server, it is possible to post-verify the payment risk of expenses that should not be paid by the company and prevent accidents. be able to.

  In the system and method for preventing fraudulent expense processing using a personal card according to one aspect of the present invention, the use details and the cancellation details submitted by the personal card user are from the card company using the user's own user device. Since it is received and transmitted to the management service server, there is no risk of infringement of the personal information of officers and employees and personal life, and it is possible to collect and verify the usage details of personal cards quickly and efficiently. it can.

  Further, according to the system and method for preventing fraudulent expense processing using a personal card according to one aspect of the present invention, the receipt data transmitted by the personal card user and the intended use are stored in the management service server and designated. It is possible to transmit a notice to that effect to the expense processing staff so that expense processing can be performed. Further, it is possible to facilitate the subsequent verification by providing the expense processing person with a report about the breakdown of the receipt data submitted for expense processing.

1 is a schematic block diagram of a fraudulent expense processing prevention system using a personal card according to an embodiment. FIG. 3 is a schematic block diagram of a user device according to an embodiment. It is a schematic flow diagram of a method of preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. 9 is an image showing an exemplary screen on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. It is an image showing an exemplary screen that is connected to the management service server according to an embodiment from the user device of the expense processing staff. It is an image showing an exemplary screen for confirming the canceled use details by connecting to the management service server according to an embodiment from the user device of the expense processing staff.

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 fraudulent expense processing prevention system using a personal card according to an embodiment.

  Referring to FIG. 1, the system for preventing fraudulent expense processing using a personal card according to the present embodiment is submitted by the first user device 1 and the first user device 1 of a personal card user for expense processing. It includes the management service server 3 for receiving the usage breakdown. 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 communicate with the card company server 4. In one embodiment, the management service server 3 is also communicable with the NTA server 5. Furthermore, the management service server 3 is configured to be communicable with the second user device 6 of the expense processing staff.

  The communication method via the wired and / or wireless network 2 may include any communication method capable of networking objects with each other, and is not limited to wired communication, wireless communication, 3G, 4G, or any other method. . 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 System for Mobile Network), an EDGE (Enhanced registered), and an EDGE (Enhanced). HSDPA (High Speed Downlink Packet Access), W-CDMA (Wideband Code Division Multiple Access), CDMA (Code Division Multiple Too Multiple Access), TDMA (Time Division Multiple Access), and TDMA (Time Division Multiple Access). (Registered trademark)), ZigBee (ZIGBEE (registered trademark)), Wi-Fi, VoIP (Voice over Internet Protocol), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced, HSPA +, 3GPPmLongEvLonge, HSPA +, 3GPPmEmLongEvLongE. IEEE 802.16e), UMB (former EV-DO Rev.C), Flash-OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiplex WB (Multi-Blade) Multiplex WB (Beam-Division Multiple Access). 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 cancellation history management unit 35. In one embodiment, the management service server 3 includes a notification transmitter 33. In addition, in one embodiment, the management service server 3 further includes a user database 34.

  The system, the user device, and the server according to the embodiment may have aspects that are wholly hardware or 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 contents, and / or exchange for electronic communication. It may be referred to as hardware and software related thereto. In this specification, terms such as “part”, “module”, “device”, “terminal”, “server” or “system” refer to 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. The software driven by the hardware may indicate a process being executed, an object, an executable file, an execution thread, a program, or 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 reception unit 31, the storage unit 32, the notification transmission unit 33, the user database 34, and the cancellation history management unit 35 in FIG. 1 change the hardware constituting the management service server 3 into an operation executed by the hardware. Therefore, the respective parts are not necessarily provided independently of each other. Of course, in some embodiments, one or more of the reception unit 31, the storage unit 32, the notification transmission unit 33, the user database 34, and the cancellation history management unit 35 may be separate devices physically separated from each other. It can also be implemented.

  In one embodiment, the management service server 3 communicates with an application (or an app) running on the first user device 1 of a personal card user to at least partially perform the function execution of the application. Performs the function of the application server that enables it. Alternatively, or in addition, the management service server 3 displays a predetermined 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 a function of a provided web server.

  The first user device 1 according to an embodiment is implemented 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. Inquiries about the details of the use of the personal card and submit a receipt, etc. However, the form of the first user device 1 is not limited to a smartphone, and the first user device 1 may be another mobile communication terminal, a personal computer, a notebook computer, a PDA, or the like. It may be realized in the form of any computing device such as a personal digital assistant, a tablet, and a set-top box for IPTV (Internet Protocol Television).

  In the present specification, a user of a personal card refers to executives and employees of a company who use the card for the purpose of spending expenses of the company and use a card issued in the name of an individual rather than a corporate card in the name of the company. In this specification, the first user device 1 refers to a device used by the user of the personal card as described above. Further, in the present specification, the personal card refers to a card issued in the name of an individual user who uses the first user device 1, which is not a corporate card in the name of a company. Further, in the present specification, the second user device 6 refers to a device used by an expense processing person in charge of expense processing in the company whose main task is.

  It is impossible for the company to directly collect the details of card usage when the expenses paid by the personal cards of executives and employees are processed as expenses because of the risk of personal information and private life infringement. The embodiment of the present invention is to eliminate such inconvenience, and by transmitting only the usage details selected by the user by the first user device 1 to the management service server 3, the management is performed. The service server 3 is configured to collect receipt data and perform expense processing smoothly without infringing personal information of officers and employees or personal life.

  In addition, when processing the amount of money spent with executive and employee personal cards, even if you cancel the card use after submitting a receipt for expense processing, the company side directly collects and confirms the cancellation details And therefore fraudulent expense processing can be done by mistake or for malicious purposes. The embodiment of the present invention is for preventing such a problem that the first user device 1 automatically collects the cancellation details of the personal card from the card company server 4 and submits them for expense processing. When there is a canceled use breakdown, the information regarding the canceled use breakdown is automatically transmitted to the management service server 3. In the management service server 3, by reflecting the canceled details of the usage details submitted for expense processing, it is possible to verify the risk of expenses not to be paid after the fact and prevent accidents. . The specific operation will be described below.

FIG. 2 is a schematic block diagram of a user device according to an embodiment.
1 and 2, 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. The user device 1 includes a communication unit 11, a display unit 12, and an input unit 13. The respective units 11 to 13 shown in FIG. 2 are functional divisions of the user device 1 according to operations performed to prevent fraudulent expense processing using a personal card in the user device 1, and are not always necessary. It does not refer to separate elements that are physically separated from each other. 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 the screen at once.

  The communication unit 11 is configured to transmit a request for use details of the personal card to the card company server 4 and receive the use details of the personal card from the card company server 4. According to the method of inquiring the usage details from the card company server 4, the communication unit 11 uses the user's account information (for example, ID and password, or certified certificate and certificate password) and / or a card of a personal card. Information (for example, card number, validity period and CVC) can be stored, and part or all of this information can be transmitted to the card company server 4 when requesting a breakdown of use.

  In one embodiment, the communication unit 11 acquires a usage breakdown of the personal card from the card company server 4 by a scraping method. In the present specification, scraping means a technology of extracting only necessary information from the information provided by the card company server 4 via a homepage and bringing it as data, and concrete extraction is included in scraping. There is screen scraping or data scraping depending on the method. The communication unit 11 is configured to acquire the usage 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 a user requests an inquiry.

  In another embodiment, the communication unit 11 acquires the usage breakdown of the personal card from the card company server 4 by an electronic data interchange (EDI) method. In the present specification, EDI is information transmission that converts information provided by the card company server 4 into standardized electronic data in accordance with a predetermined communication standard and enables the communication unit 11 side to receive the converted electronic data. Indicates the method. A contract may be formed with the card company server 4 so as to respond to a request via an application executed on the user device 1 so that the use details of the personal card can be obtained by the EDI method.

  In one embodiment, the inquiry of the use details of the personal card by the communication unit 11 is performed at least in part by using a dedicated line connected to the card company server 4. Therefore, 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 the present specification, the term "dedicated line" refers to a network that is exclusively connected to the card company server 4 rather than the public network. For example, the leased line may be a leased line formed by a software means realized by using a virtual private network (VPN) on a TCP / IP protocol-based network, or a digital service unit (Digital Service Unit). It may be a dedicated line by hardware means that is physically connected using a DSU) and a router. Further, the management service server 3 can be at least partially connected to the card company server 4 by a dedicated line, and can also function as a gateway server.

  In one embodiment, the communication unit 11 further communicates with the NTA server 5 to inquire about the taxation type for each destination in the usage breakdown of the personal card, and further receives the taxation type information for each destination. In the application executed by the first user device 1, the taxation type information of the usage destination is displayed together with the breakdown of the usage of the personal card. From this, whether the personal card user is subject to taxation by the business operator corresponding to each usage destination It is possible to easily understand whether the tax exemption is applied, or whether it is a general taxer or a simple taxer.

  In addition, in one embodiment, the communication unit 11 may be configured to communicate with the NTA server 5 to further inquire whether a business operator corresponding to each usage destination is closed and / or closed.

  The inquiry about the taxation type and the inquiry about the absence and / or closure of the business may be performed by a method of scraping the information provided by the NTA server 5 by the communication unit 11. Alternatively, the inquiry about the taxation type and the inquiry about whether the business is closed and / or closed may be performed at least partially through a dedicated line communicatively connected to the NTA server 5. Here, the leased line may be similar to the above-described leased line connecting the gateway server and the card company server 4.

  The display unit 12 is configured to display the usage breakdown of the personal card received by the communication unit 11, and the personal card user views the usage breakdown of the personal card displayed on the display unit 12 to process the expense. It is possible to input into the input unit 13 selection information regarding usage details to be submitted to the expense processing staff as receipt data. The receipt data of the usage breakdown to be submitted may include the approval number of the expenditure using the personal card, the approval date and time, the destination information, the usage amount, and the like. At this time, the user can further input the intended use and content in relation to the use breakdown to be submitted, the recipient information (that is, the expense processing person in charge information) receiving the receipt, and the like to the input unit 13. .

A specific process of selecting and submitting a receipt using the user device according to an embodiment will be described in detail later with reference to FIGS.
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 personal card user. The received usage details include receipt data, and may further include the purpose of use, contents entered by the user, and / or recipient information for receiving the receipt. In the embodiment, the management service server 3 does not store the account information and the card information for inquiring the usage details of the personal card. 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 risk of infringement of personal information of the personal card user or personal life.

  In one embodiment, the management service server 3 stores the usage details received by the receiving unit 31 in the storage unit 32, and 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 the usage details have been received is transmitted to the destination. The management service server 3 inquires of the user database 34 stored in advance, identifies the second user device 6 of the expense processing person corresponding to the recipient, and transmits the notification to the second user device 6. You can also do it. The notification is transmitted to the second user device 6 in the form of an SMS (Short Message Service) message, an MMS (Multimedia Message Service) message, an e-mail, a push notification via an application (push notification), or another appropriate form. .

  The expense processing person in charge can recognize from the notification received by the second user device 6 that there is a receipt applied for expense processing, and the second user device 6 can be used to manage the management service server. By browsing the usage details stored in the management service server 3 by connecting to 3, and accepting or returning receipts, checking the amount, purpose and content of the receipts, and if necessary, modifying it Perform necessary procedures for approval of cost execution such as

  On the other hand, the communication unit 11 further receives from the card company server 4 the use details of the canceled personal card. Further, the communication unit 11 compares the usage details submitted from the first user device 1 to the management service server 3 for expense processing with the usage details of the canceled personal card, and submits them to the management service server 3. If there is a canceled breakdown among the used breakdowns, information related to the canceled breakdown is transmitted to the management service server 3. Since the above operation is automatically performed by the first user device 1 without any additional input by the user, the possibility of illegal expense processing can be basically excluded. Of course, according to the user's request, the cancellation details may be collected and submitted to the management service server 3 by a separate user input.

  The above operation by the communication unit 11 may be executed by a predetermined application executed on the first user device 1. For example, the application is configured to automatically collect usage details of the canceled personal card when executed, and transmit information regarding the canceled details of the submitted usage details to the management service server 3. You can stay. Alternatively, the application is constantly loaded in the memory of the first user device 1 and collects usage details of a personal card that is periodically canceled, and the usage details of the submitted usage details are canceled. It may be configured to transmit information regarding the management service server 3.

  The above operation by the application may be performed in a state in which the user recognizes it through the user interface displayed on the display unit 12, or when the operating system of the first user device 1 is allowed, The operation may be performed in the background without showing the user to the user.

  The information about the canceled details of the submitted use details is received by the receiving unit 31 of the management service server 3. When the receiving unit 31 receives the information about the canceled details, the cancellation history managing unit 35 of the management service server 3 stores the canceled details in the existing usage details stored in the storage unit 32 for expense processing. Compared with, the usage breakdown stored in the storage unit 32 is updated so as to reflect the canceled breakdown. The update may be immediate in response to receiving information about the canceled breakdown, or may be periodic after collecting the canceled breakdown received for a period of time. .

  In one embodiment, the cancellation history management unit 35 generates a report regarding the cancellation history and provides the report to the second user device 6 of the expense processing person. The cancellation history report includes not only detailed information about the individual cancellation details of the usage details submitted for expense processing, but also the number of cases canceled within the set period, the total amount of the canceled charges, and each staff member. It may include statistical information such as the number of canceled breakdowns, the total amount of canceled usage, and the like. The cancellation history report may be transmitted to the second user device 6 in the form of e-mail or the like. Alternatively, only the fact that the cancellation history report is generated is notified to the second user device 6 using SMS message, MMS message, email, push notification, etc., and the cancellation history report itself is the second user. It is also possible to connect to the management service server 3 from the device 6 and make it viewable. The person in charge of expense processing can verify the validity of the usage breakdown of the personal card submitted by the staff from the cancellation history report and prevent the improper payment.

FIG. 3 is a schematic flowchart of a method for preventing fraudulent expense processing using a personal card according to an embodiment.
Referring to FIG. 3, the personal card user can request a breakdown of use to the card company server 4 using his / her first user device 1 (S1). For this reason, the user may use the account information on the homepage of the card company as information related to the personal card used by the first user device 1 (for example, ID and password, or certified certificate and certificate password, etc.). ) And / or card information (eg, card number, validity period and CVC) can be pre-filled. 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 the EDI method using the account information and / or the card information described above.

  When the usage details of the personal card, including the approval number, approval date and time, user information, and the amount spent for a series of expenditures using the personal card, are transmitted from the card company server 4 to the first user device 1 (S2), The first user device 1 displays the usage breakdown of the received personal card (S3). At this time, the first user device 1 may 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 suspension and / or closure. On the other hand, the communication between the first user device 1 and the card company server 4 may be encrypted communication via the public network, or at least partially between the card company server 4 and the dedicated line. It may be performed via a gateway server that is connected to the server. For example, the management service server 3 can also function as a gateway server.

  The personal card user confirms the usage details of the personal card displayed on the first user device 1, and provides the first user device 1 with selection information for one or more usage items to be submitted for expense processing. It can be input (S4). In addition, at this time, the personal card user can further input the intended use and contents related to the use breakdown to be submitted, the recipient information (that is, the expense processing person in charge information) for receiving the receipt, and the like. In one embodiment, the first user device 1 receives a user list based on a 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. It is also possible to select a recipient.

  4 to 7 are images showing exemplary screens on a user device for preventing fraudulent expense processing using a personal card according to an embodiment. A process (S3, S4) of displaying the usage details of the personal card on the user device and selecting the usage details to be submitted will be described in detail with reference to FIGS. 4 to 7.

  FIG. 4a shows a main screen in which a personal card user executes an application on a user device, an image 400 corresponding to a registered personal card, available available by communication with a card company server. Information such as the balance 410 and the usage amount 420 is displayed on the screen of the user device. The user interface of the application displayed on the screen may include interface elements 401-404 respectively corresponding to summary, usage breakdown list, notification, and other settings. It is also possible to browse the usage breakdown list by selecting the interface element 430 corresponding to “View usage breakdown of card”.

  FIG. 4b shows a screen for registering a personal card to be used, in which the user inputs the card company and card number of the personal card, and registers the personal card in the application through the certification process based on the certificate. can do. The registered personal card may be visualized and displayed to the user in the form of an image 400 as in the screen shown in FIG. 4a. In addition, the user can further input the card alias and / or credit limit when registering the personal card, or the card company and card number that the user entered the card alias and / or credit limit You can also inquire from the company server.

However, one of ordinary skill in the art will readily understand that the form of the user interface shown in FIGS. 4a and 4b is merely exemplary.
FIG. 5 shows a screen in which a usage breakdown list is displayed by selecting the interface element 402 or the interface element 430 from the screen shown in FIG. When the user has a plurality of personal cards, a drop-down element 405 for selecting the personal card to be inquired may be displayed on the screen. On the screen of FIG. 5, use details 501 to 504, 511, 512 of personal cards inquired through communication with the card company server are displayed in a list form. Each of the usage breakdowns 501 to 504, 511, 512 includes information such as date and time of use, amount of money used, destination of use, and the like. When the user has a plurality of personal cards, the usage details may be displayed separately for each card.

  In one embodiment, the display forms of the use breakdowns 501 to 504 which the personal card user has already submitted for the expense processing and the use breakdowns 511 and 512 which have not yet submitted the receipt are made different from each other. Make it easy for the user to grasp the breakdown of usage for submitting a receipt. In FIG. 5, the use details 501 to 504 for which the receipt has already been submitted and the use details 511 and 512 for which the receipt has not yet been submitted are displayed in mutually different colors, but this is merely an example. In the embodiment, the usage details may be displayed in other different forms such as separately arranging the usage details according to whether or not a receipt is submitted.

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 one of the usage details 600 that has not yet received a receipt from the usage details list shown in FIG. 6a, detailed information related to the usage details is separately displayed as shown in FIG. 6b. May be displayed on the screen. Detailed information displayed on a separate screen includes usage breakdown information 604 including information such as card approval number, approval amount, supply amount, and VAT, and usage destination information 601 including usage destination name and business registration number. , The business type 603 of the use destination, and the like. In one embodiment, the user device further receives the taxation type information of the destination by communicating with the NTS server, which provides detailed information on the usage breakdown, as shown at 602 in FIG. 6b. Displayed as part of the user device.

  When the user selects the interface element 605 to submit a receipt for the usage breakdown from the screen shown in FIG. 6b, there is a separate option for selecting the recipient of the receipt as shown in FIG. 6c. The screen may be displayed. The receipt recipient 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 more users in the received user list as a 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 uses the relationship information to generate a related user list associated with the personal card user. By presenting this to the user device, the personal card user can easily select the expense processor in charge of himself / herself.

  For example, the user database stores information about the companies to which each user belongs, and the management service server only includes users who belong to the same company as the individual card user who requests receipt of the receipt. The user list may be transmitted to the user device so that the user can identify the recipient of the receipt from the related user list.

  Alternatively, the user database contains online contact information that each user has pre-populated and stored in the user database, and the Management Services server provides online contact information for personal card users requesting receipts. It is also possible to transmit the user list registered in to the user device so that the user can identify the recipient of the receipt from his online contact.

  When the personal card user selects the recipient of the receipt, as shown in FIG. 6d, the usage detail inquiry screen including the designated recipient information 606 is displayed. In addition, the user can input the intended use (for example, gasoline fee, transportation expense, etc.) for the use breakdown by selecting the interface element 607 from the screen, and the use content by selecting the interface element 608. Can be further input. The personal card user enters all the required information and then selects the interface element 609 for submission of the receipt, thereby receiving the recipient information specified by the user and the intended use and / or the input entered by the user. It is transmitted to the management service server as user's selection information for transmitting the content to the management service server.

  In one embodiment, the user may further attach an image of a paper receipt photographed or scanned as information about 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, where the user can enter the input field 610 of the screen shown in FIG. 6e. You can enter the breakdown of usage. At this time, the user may take a new image, select a stored image, or select an attached file other than the image by selecting each of the interface elements 611 to 613 shown on the screen. Can be selected and input in the input field 610. By using this, the user inputs the image 620 of the paper receipt corresponding to the receipt data submitted by himself / herself in the input field 610, so that the receipt image 620 is displayed together with other electronic information on the management service server. Can be transmitted to the.

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

  FIGS. 7a and 7b show an exemplary screen for this, and if a receipt has been submitted before, a detailed usage inquiry screen is displayed as shown in FIG. 7a. The person-in-charge information 700 that has previously received a receipt from the individual card user may be displayed. The personal card user can specify the expense processing person who receives the receipt to be submitted this time by selecting a specific person from the person in charge information 700. Also, the personal card user can select the interface element 701 to call the person-in-charge list management screen as shown in FIG. 7B to add or delete the person-in-charge displayed as the person-in-charge information 700. it can.

  Referring again to FIG. 3, the usage details submitted from the first user device 1 of the personal card user are transmitted to the management service server 3 (S5). In the management service server 3, the receipt data of the received usage details and the related information are stored in the management service server 3 (S6), and addressed to the second user device 6 of the expense processing person designated as the recipient from the related information. The notification information is transmitted to (S7). The notification information is a second user device in the form of SMS, MMS, email, push notification via application, etc. so that the expense processor 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 cell phone number and the mail address of the expense processing person to be received by inquiring the user database by using the recipient information designated by the personal card user. It is also possible to use this to transmit the notification information.

  The expense processing staff member who has received the notification information connects the management service server 3 using the second user device 6 to confirm the receipt and related information received and stored in the management service server 3. It is possible (S8). At this time, the management service server 3 is a web server that provides a predetermined web page that allows the expense processing staff to perform expense processing such as approval of the receipt and the usage details for which the receipt is submitted. It can also have functions.

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

  Referring again to FIG. 3, the first user device 1 that has transmitted the usage breakdown to the management service server 3 for expense processing receives the canceled usage breakdown of the personal card from the card company server 4 (S9). Similar to the step (S2) of receiving the usage details of the personal card, the process of receiving the usage details of the canceled personal card may also be a screen scraping method or an EDI method using the user's account information and / or card information. It may be done by

  The step of receiving the usage details of the canceled personal card (S9) may be automatically performed without a separate user input for executing the step. For example, when the user executes an application for submitting receipt data, the use details of the canceled personal card are automatically received at the same time when the application is executed, or the application is executed by the first user device. It is also possible to receive the usage breakdown of the personal card that has been canceled on the background operation while being loaded on one memory. Further, the step of receiving the usage details of the canceled personal card (S9) may be performed periodically.

  Upon receiving the usage breakdown of the canceled personal card, the first user device 1 compares the usage breakdown transmitted to the management service server 3 in step S5 with the usage breakdown of the canceled personal card, If some of the usage details transmitted to the management service server 3 are canceled, information regarding the canceled usage details is transmitted to the management service server 3 (S10). Similar to step S9 described above, the step of transmitting information about the canceled usage details to the management service server 3 (S10) may also be automatically performed without additional user input.

  However, according to the wishes of the personal card user, a step (S9) of receiving the usage details of the personal card canceled by a separate user input and / or transmitting information about the canceled usage details to the management service server 3. The first user device 1 may be configured to be able to perform the step (S10).

  The management service server 3 receives the information about the canceled use details from the first user device 1, compares the use details stored in step S6 with the canceled use details, and stores the stored use details. Is updated (S11). That is, the management service server 3 does not have to pay for the canceled use details of the personal card, so the management service server 3 cancels the use details stored in step S6. Usage details can be deleted. As a result, it is possible to verify the validity of the usage breakdown of the personal card submitted by the staff member and prevent improper payment. The usage breakdown may be updated immediately in response to receipt of the canceled usage breakdown, or it may be periodically collected by collecting the canceled usage breakdown received over a period of time. Good.

  FIG. 9 is an image showing an exemplary screen for confirming the canceled use details by connecting to the management service server according to the embodiment from the user device of the expense processing staff. For example, the canceled usage details are displayed in a certain area (for example, the top row of the screen) 900 on the screen that the expense processing staff member confirms, so that the expense processing staff member can confirm the cancellation details. . The usage details of the area 900 can be intuitively distinguished from other usage details that have not been canceled by the shading process or the like. Note that this is merely an example, and the display form of the canceled use details is not limited to this.

  Referring again to FIG. 3, in one embodiment, the management service server 3 provides the cancellation history report to the second user device 6 of the expense processor (S12). The cancellation history report may be generated and provided by the management service server 3 each time there is a breakdown of the canceled use, or the canceled history report may be canceled every certain period (for example, one month). The breakdown may be collected and generated and provided.

  The step S12 may be to send the cancellation history report itself to the second user device 6, or only send a notification to the second user device 6 that the cancellation history report can be viewed. However, the cancellation history report itself may be browsed by connecting to the management service server 3 from the second user device 6. When there are a plurality of expense processing personnel, the management service server 3 refers to the expense processing personnel designated as the recipient at the time of submitting the usage details in step S5 in relation to the canceled usage details, and executes the expense processing. The cancellation history report may be provided to the second user device 6 of the person in charge.

  The Cancellation History Report provides detailed information related to each canceled usage breakdown submitted for expense processing, such as canceled spend approval number, approval date and time, where-used information, spending amount, In addition, the usage purpose and contents input by the user of the first user device 1 in relation to this, an image of a receipt, and the like may be included. In addition, the cancellation history report includes the total number of cases canceled within the report generation period, the total amount of canceled charges, the number of cancellation details by staff, and the total amount of canceled usage by staff. Such statistical information may be included. The person in charge of expense processing can verify the validity of the usage details of the personal card submitted by the staff member from the cancellation history report to prevent improper payment.

  The operation of the method for preventing fraudulent expense processing using the personal card according to the embodiment described above may be realized at least partially by a computer program and recorded in a computer-readable recording medium. A computer-readable recording medium, in which a program for realizing the operation according to the method for preventing fraudulent expense processing using a personal card according to the embodiment is recorded, is a computer-readable recording medium that stores all kinds of computer-readable data. Including equipment. 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 to computer systems connected by a network, and the computer-readable code may be stored and executed in a distributed manner. A functional program, code, and code segment (Segment) for implementing 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 an example, and a person skilled in the art can obtain various modifications and modifications of the embodiments. You can see that it 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 preventing fraudulent expense processing using a personal card, and more specifically, cancels out a breakdown of expenses paid by executives and employees of a company using personal cards for the purpose of expenses. Technology that automatically collects the breakdowns and prevents fraudulent expense processing.

Claims (7)

A user device of a personal card user, which receives from the card company server a use breakdown of the personal card issued in the personal name of the personal card user, and uses the personal card use breakdown for expense processing. The user device configured to transmit one or more usage details selected for submission; and the one or more usage details received from the user device Including a management service server configured to store a usage breakdown of
The information about the one or more usage details and the canceled usage details is obtained from the card company server by scraping or electronic data exchange using the user's account information or card information in the user device. And
The user device includes a memory in which a preset application is loaded, and the operation of the application receives the input of the personal card user for receiving the canceled use details of the personal card. Periodically in the absence of the use, the usage details of the canceled personal card are received from the card company server, and the usage details of the canceled personal card are transmitted to the management service server as one or more usage details. In comparison, fraudulent expense processing using a personal card, configured to transmit to the management service server information regarding canceled usage details of the one or more usage details transmitted to the management service server. Prevention system. From the first user device of the individual card user, one or more selected usage items out of the usage items of the individual card issued in the individual name of the individual card user, which are to be submitted for expense processing. A receiver configured to receive information about the canceled usage breakdown of the one or more usage breakdowns;
A storage configured to store the one or more usage breakdowns received by the communication unit for expense processing; and the one or more usage breakdowns stored in the storage and the canceled usages. A cancellation history manager configured to compare the breakdown information and update the one or more usage breakdowns stored in the storage;
Information about the one or more usage details and the canceled usage details is obtained from the card company server by scraping or electronic data exchange using the user's account information or card information in the first user device. It was
The receiving unit periodically receives the usage details of the canceled personal card in a state where the input of the personal card user for receiving the usage details of the canceled personal card is not received. Management service server to prevent fraudulent expense processing using personal cards.   The cancellation history management unit is further configured to provide a report regarding a cancellation history of the one or more usage breakdowns submitted for expense processing to the second user device of the expense processing person in charge, A management service server for preventing fraudulent expense processing using the personal card according to claim 2.   The management service server for preventing fraudulent expense processing using a personal card according to claim 2, wherein the management service server does not store the account information and the card information. A user device for a personal card user,
Memory with pre-configured application loaded;
The account information of the user or the card information related to the personal card issued in the personal name of the individual card user is stored, and the card company is used for scraping or electronic data exchange using the account information or the card information. A communications unit configured to receive a personal card usage breakdown from the server;
A display unit configured to display a usage breakdown of the personal card; and user selection information regarding a usage breakdown submitted for expense processing based on the usage breakdown of the personal card displayed on the display unit Including an input configured to receive the input of
The communication unit,
Transmitting one or more usage breakdowns selected to be submitted according to the selection information to the management service server for expense processing,
By the operation of the application, scraping using the account information or the card information is periodically performed while the input of the personal card user for receiving the usage details of the canceled personal card is not received, or Receives the usage details of the canceled personal card from the card company server through an electronic data exchange method and compares the usage details of the canceled personal card with the one or more usage details transmitted to the management service server. The user device is configured to transmit to the management service server information related to the canceled use details of the one or more use details transmitted to the management service server. A user device of a personal card user configured to communicate with each other via a network and including a memory loaded with a preset application is a scraping or electronic device utilizing the user's account information or card information. Receiving a breakdown of the use of the personal card issued in the personal name of the personal card user from the card company server by a data exchange method;
Displaying a usage breakdown of the personal card on the user device;
Receiving input to the user device of selection information of the user regarding the use details to be submitted for expense processing, based on the use details of the personal card displayed on the user device;
The user device transmits to the management service server one or more usage details selected to be submitted according to the selection information;
The user device receives a usage breakdown of the canceled personal card from the card company server by scraping or electronic data exchange using the account information or card information of the user; and the user device, The usage details of the canceled personal card are compared with the one or more usage details transmitted to the management service server, and information regarding the canceled usage details of the one or more usage details is provided to the management service. Including transmitting to the server,
The step of receiving the usage details of the canceled personal card is performed on the user device, and is cyclic without receiving user input for receiving the usage details of the canceled personal card. And a method for preventing fraudulent expense processing using a personal card, including the step of receiving the canceled usage details from the card company server. A computer program stored on a computer readable medium for performing the method of preventing fraudulent expense processing using a personal card according to claim 6 in combination with hardware.