KR100348348B1 - Method for paying duties by proxy, lending money of duties - Google Patents

Abstract

The present invention relates to a tax payment / loan method that can be executed on a computer that can access a financial institution host, a utility host, and payer PCs.

Receiving and registering the payer's personal information and the automatic payment utility item information from the payer PC; Requesting a utility billing host to retrieve tax utility information for registered payers; An analysis step of receiving tax utility information on registered payer and distinguishing a pre-registered utility item from an unregistered utility item; Requesting the financial institution host to check the balance of the registered payer's personal account; If the registered payer's account balance is more than the total amount of the pre-registered utility items, ask the financial institution host for automatic payment of the utility items registered as the account balance, and if the account balance is less than the total utility bills of the registered utility items Requesting the financial institution host to make a loan payment for the taxpayer of the registered payer; And notifying the payer PC of the result of paying the registered utility tax payment or loan payment to the payer PC.

This allows the payer to automatically pay the tax bills conveniently, and the billing authority can reduce labor and maintenance costs and maintain a 100% storage rate.

Description

Tax payment method / loan payment method {METHOD FOR PAYING DUTIES BY PROXY, LENDING MONEY OF DUTIES}

The present invention relates to a tax utility payment system for paying tax utilities such as national taxes, local taxes, penalties, and general bills, and more specifically, authenticates individual payers using an IC card and pre-registers certified personal payers. The present invention relates to a method of automatically paying / loaning taxes, such as national taxes, local taxes, and penalties, which are automatically loaned and paid by financial institutions when the account balance is more than the tax utility bill.

In the conventional method of paying tax bills, the taxpayer pays tax bills such as the various national taxes, local taxes, penalties, and general bills (for example, newspaper subscription fees and school fees). Bringing the payment notice issued by the ward office, the government office, the National Police Agency, the Korea Electric Power Corporation, the Korea Telecommunications Corporation, the newspaper company, and the entrance examination school, etc., and paying the tax utility bill directly by visiting a financial institution designated by the utility billing agency; A method of automatically transferring the tax utility fee to the utility billing institution through a personal account of a financial institution designated by the payer is widely used.

However, as described above, in order for the payer to pay the tax bills individually, the payer must visit the financial institution designated by the billing institution directly, and when the tax payment is directly transferred, the billing institution or the financial institution Since the payer does not separately notify the payer whether the balance remaining in the payer's personal account is insufficient, there is a problem that all or part of the above-mentioned tax bills are overdue and the payer must pay the late fee separately.

In particular, in order to avoid delinquent payments made by the taxpayer, the bills issued by each of the various billing agencies mentioned above are checked on a monthly and daily basis, and the entire tax bill to be paid on a particular payment date and to the individual's personal account. There is an inconvenience to check the remaining balance from time to time.

In addition, as described above, if the tax due to the payer is overdue, there is a problem that the late payer increases and the credit rating of the payer is deteriorated. In addition, there is a problem in that it does not maintain a constant storage rate and the above-mentioned levy utility charges, as well as a late charge promotion and peak work, and a pressurization related work are added, resulting in excessive fixed labor and administrative expenses. .

Therefore, the present invention is to overcome the above-mentioned conventional problems, an object of the present invention is to use the payer using an IC card issued free of charge only to the payer certified by the financial institution that has a contractual relationship with the payer, Tax payments or payments made by the financial institution for loans made by the financial institution to pay the deficit bills or the borrower's personal account balances to be automatically paid by the financial institution so that the tax credits can be processed and paid 100% automatically. It is to provide a method of paying / loaning utility bills.

The tax utility payment / loan payment method for achieving the object of the present invention; Step of receiving and registering the personal information of the payer and the automatic payment utility item information from the payer PC; Tax utility information for the registered payer as a utility billing host Requesting to search for; and an analysis step of receiving tax utility information on registered payers to distinguish between pre-registered utility items and unregistered utility items; and requesting a financial institution host to check the balance of registered payer's personal accounts. If the account balance of the registered payer is more than the total amount of tax payables of the pre-registered utility items, ask the financial institution host to automatically pay the utility items registered as the account balance, and the tax balance of the utility items registered with the account balance. Tax of registration payer to financial institution host if less than total The method comprising charging the requested loan lead; and characterized in that it comprises a; the taxes daenap or loan lead payer result of the registration step for reporting to the payer PC.

Accordingly, the tax utility payment / loan system according to the tax utility payment / loan payment method of the present invention enables the payer to conveniently and automatically pay tax payments without delay, and the utility billing agency reduces fixed labor costs and administrative costs. At the same time, it is possible to maintain a 100% storage rate.

1 is a block diagram showing a tax utility bill payment / loan payment system according to the present invention,

2 is a flowchart illustrating a tax payment / payment method according to the present invention.

<Explanation of symbols for the main parts of the drawings>

10: Internet 20: Payer PC

21: IC card 22: IC card recognition terminal

30: financial institution host 40: utility billing host

50: billing host

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

Referring to FIG. 1, a payer PC 20 is connected to a portable IC card recognition terminal 22 that recognizes an IC card 21 in which a payer's personal information is stored.

The payer PC 20 is configured to communicate with the utility bill host 40 below through the Internet (10).

The payer's personal information stored in the IC card 21 includes the payer's social security number, credit card number, personal account number, password for the IC card 21, and the like.

The financial institution host 30 automatically pays and pays the tax dues from the payer's personal account to the account of the billing institution according to the result of searching the balance of the payer's personal account.

The financial institution host 30 is installed in a financial institution that has a contractual relationship with the payer.

The utility bill settlement host 40 pre-registers the personal information of the payer and the automatic transfer utility item information input through the payer PC 20.

The utility bill settlement host 40 automatically analyzes the tax utility information so that the financial institution host 30 automatically pays or pays the tax utility charges for the pre-registered utility item.

As the utility bill settlement host 40 analyzes the tax utility information, the payment approval message is received through the communication means similar to the payer PC 20 or the PC 20 (for example, wired / wireless phone and mobile phone) for the unregistered utility bill item. Only when is entered, the financial institution host 30 to pay or pay the tax bill.

For example, the utility bill host 40 requests a prepayment and loan payment approval from the payer through the payer PC 20 or the telephone for an unregistered utility item as of 7 days before the payment date, and a payment approval message is input from the payer. If only, the approval information is transmitted to the financial institution host 30 so that the financial institution host 30 pays or pays the tax utility fee.

The utility bill settlement host 40 notifies the payer PC 20 of the tax payment and loan payment result of the financial institution host 30.

The utility billing host 50 inputs the tax utility information charged to the payer to the utility bill settlement host 40, and stores the tax utility bill of the payer who is paid and loaned by the financial institution host 30.

The utility host 50 is separately installed in a utility that charges the taxpayer to the taxpayer.

The billing hosts 50 installed in the billing institutions individually communicate with the billing host 40, respectively, and also with the financial institution host 30.

With the above configuration, the tax utility bill payment / loan payment system according to the present invention operates as shown in FIG. 2.

The payer who wants to use the tax utility payment / loan payment system according to the present invention, first of all, evaluates the creditor's credit rating and issues the credit card issued free of charge to the payer who has a good credit rating by a financial institution that has a contractual relationship with the payer. ) Is issued (S10).

Subsequently, the payer inserts the IC card 21 into the IC card recognition terminal 22 of the payer PC 20 and the payer PC 20 that communicates via the Internet 10, and then the billing host ( 40 accesses the web site provided by the user and directly registers personal information including the password for the IC card 21 stored in the IC card 21, and at the same time, among the tax utility items Directly register the tax utility items you want to transfer (S11).

After the payer's personal information and tax payment items are registered in the utility billing host 40 as described above, the utility billing host 40 communicates with the utility billing host 50 from this time on the utility billing host 50. Search the taxpayer information of the payer imposed by (S12).

In addition, the utility bill settlement host 40 analyzes the taxpayer information of the searched payer is divided into utility bill items registered in advance by the payer and unregistered utility bills (S13).

At this time, the tax utility information divided into pre-registered utility items and unregistered utility items by the utility bill settlement host 40 may be classified into regular and non-periodic components in detail.

After the tax payer information of the payer is analyzed into a pre-registered utility item and an unregistered utility item, the utility bill settlement host 40 communicates with the financial institution host 30 to search the balance of the payer personal account (S14). ).

As a result of checking the balance of the payer's personal account, if it is determined that the balance of the current payer's personal account is more than the total amount of the tax utility bill corresponding to the pre-registered utility item (the personal account balance ≥ the amount of the tax utility bill), the utility bill settlement host 40 In communication with the financial institution host 30, the financial institution host 30 automatically pays the tax payer of the payer corresponding to the pre-registered utility item.

On the other hand, if the balance check result of the payer's personal account is determined that the balance of the current payer's personal account is less than the total amount of the tax utility bill corresponding to the registered utility item (individual account balance 〈tax utility bill total amount), the billing settlement host 40 In communication with the financial institution host 30, the financial institution host 30 automatically repays the tax payer of the payer corresponding to the pre-registered utility item (S15).

Meanwhile, as a result of analyzing the payer's tax utility information by pre-registered utility item and unregistered utility item, the utility bill settlement host 40 directly registers the tax utility item that the payer wants to transfer automatically in addition to the pre-registered utility item. If a utility item that has not been registered, that is, a tax utility item corresponding to an unregistered utility item is found, the utility bill settlement host 40 communicates with the payer PC 20 through the Internet 10 and corresponds to an unregistered utility item to the payer. It is inquired whether or not to pay or loan the tax utility bill (S16).

If the payer approves the payment and loan payment of the tax utility corresponding to the unregistered utility item, the utility bill settlement host 40 pays and pays the tax utility fee for the pre-registered utility item in the same manner. In accordance with the balance inquiry result of the payer's personal account, the financial institution host 30 pays or loans the unregistered tax utility payment (S17).

That is, when the current payer is determined that the balance of the personal account is more than the total amount of the tax bill corresponding to the unlisted utility item, the utility bill settlement host 40 communicates with the financial institution host 30, the financial institution host 30 ) Will automatically pay the tax payer of the payer corresponding to the unlisted utility item.

On the other hand, if the balance check result of the payer personal account is determined that the balance of the current payer personal account is less than the total amount of the tax bill corresponding to the unregistered utility items, the billing settlement host 40 and the financial institution host 30 In communication, the financial institution host 30 automatically loans the tax payer of the payer corresponding to the unregistered utility item.

Tax payer of the payer corresponding to the pre-registered utility item or tax payer of the payer corresponding to the unregistered utility item is automatically paid or loaned to the utility billing host 50 by the financial institution host 30. After the payer requests the payment and loan payment result to the utility bill settlement host 40 through the payer PC 20, the utility bill settlement host 40 communicates with the financial institution host 30 to inquire. The payer of the tax payment and loan payment result of a payer is notified to the payer through the payer PC 20 (S18).

At this time, when the financial institution host 30 automatically transfers the tax utility fee from the payer personal account to the utility bill additional institution account in which the utility billing host 50 is installed, the utility bill settlement host 40 It notifies the payer of the balance information of the current payer's personal account, as well as information on whether the utility bill is properly paid, the payment date, and the amount of the payment.

In addition, when the financial institution host 30 automatically transfers the tax utility fee from the payer personal account to the utility billing institution account in which the utility billing host 50 is installed, and pays the loan, the utility bill settlement host 40 The company notifies the payer of the balance information of the current payer's personal account and the amount of the loan loaned to the payer's personal account, as well as information on whether the utility bill is properly paid, the payment date, and the amount paid.

For example, among tax payments such as general taxes such as national taxes, local taxes, penalties, newspaper subscription fees, and school expenses, the payer may automatically transfer only regular or non-regular national taxes and periodic or non-regular local taxes and newspaper subscription fees. In the state of pre-registration), the tax utility payment / loan payment system according to the present invention operates as follows.

First, the utility billing host 40 is responsible for all utility billing agencies (eg, IRS, tax office, newspaper company) that communicate the entire tax payment of the payer individual with the utility billing host 40 regardless of the pre-registration / non-registration items of the tax utility. After searching for the billing host 50 installed in the police station, academy, etc.), the entire taxpayer information of the payer is divided into regular / non-regular and pre-registered / unregistered items.

If, in addition to the regular or non-period national taxes and periodic or non-period local taxes and newspaper subscription fees registered in advance by the payer, additional regular or non-period fines, fines, school fees, etc., corresponding to unregistered items are searched, the billing host 40 First, the financial institution host 30 automatically pays or loans the periodic or irregular national taxes and the periodic or irregular local taxes and newspaper subscription fees that the payer has pre-registered as an automatic transfer item.

On the other hand, if regular or non-period fines, fines, school fees, etc. corresponding to the unregistered item is searched, the utility bill settlement host 40 first approves the payment of the tax utility corresponding to the unregistered item to the payer through the payer PC 20. After receiving, the financial institution host 30 automatically pays or loans regular or non-period fines, fines, school fees, etc. corresponding to the unregistered items.

At this time, the limit of the loan amount loaned to the payer's personal account by the financial institution host 30 may be set differently according to the payer's credit rating.

As described above, when the financial institution host 30 pays or loans the tax utility corresponding to the item previously registered by the payer and automatically transfers it to the utility billing host 50, the utility billing host 50 is installed. Any billing authority may maintain a 100% acceptance rate for a period of time (eg monthly, three-month, six-month, etc.).

The payer also does not have to pay a late fee for tax dues that he or she previously registered, thus improving his creditworthiness and making it easier to manage and handle taxable utilities. Utility agencies will not have to pay fixed labor and administrative expenses for performing late fees (eg, late fees promotion and peaking, pressurization related tasks) on conventional tax bills added when tax bills are received.

In addition, the financial institution where the financial institution host 30 is installed can increase the profits through stable small loans and secure a fixed transaction customer, and can significantly reduce the number of customers who use the utility billing counter for paying tax taxes. In the long run, the number of branches can be reduced.

As described above, the tax utility payment / loan system operating by the tax utility payment / loan method according to the present invention is an IC issued free of charge only to the payer who has certified that the credit rating is excellent in the financial institution contracted with the payer. By using the card, the taxpayer pays the tax utility bill or pays the remaining balance of the payer's personal account so that the taxpayer can process the tax utility bill 100% and make automatic payment 100% regardless of whether or not the balance of the personal account is insufficient. As a result, the payer can automatically pay the tax bills conveniently without overdue, and the utility billing agency can reduce the fixed labor cost and management cost and maintain 100% storage rate.

In addition, a financial institution with the above financial institution host can increase profits through stable micro loans and stably secure customers with fixed transactions, and can significantly reduce the number of customers who use utility billing counters for tax payments. This can reduce the number of points.

What has been described above is only one embodiment for carrying out the tax utility bill payment / loan payment system and the method according to the present invention, the present invention is not limited to the above-described embodiment, it is claimed in the claims Various changes can be made by those skilled in the art without departing from the gist of the present invention.

Claims (3)

delete In the tax payment / loan method, which is executed on a computer that can be connected to the financial institution host and the billing host and payer PCs, Receiving and registering the payer's personal information and the automatic payment utility item information from the payer PC; Requesting a utility billing host to retrieve tax utility information for registered payers; An analysis step of receiving tax utility information on registered payer and distinguishing a pre-registered utility item from an unregistered utility item; Requesting the financial institution host to check the balance of the registered payer's personal account; If the registered payer's account balance is more than the total amount of the pre-registered utility items, ask the financial institution host for automatic payment of the utility items registered as the account balance, and if the account balance is less than the total utility bills of the registered utility items Requesting the financial institution host to make a loan payment for the taxpayer of the registered payer; And notifying the payer PC of the result of paying the registered utility tax payment or the loan payment to the payer PC. The method of claim 2, further comprising: inquiring whether the payer PC pays or pays the tax utility fee for the unregistered utility item; Requesting automatic payment of unregistered utility items as a payer's account balance or requesting a loan payment for the tax payer of a registered payer according to the account balance inquiry result upon receiving the approval information according to the inquiry; Tax utility bill payment / loan payment method to do.