KR100450096B1 - Method of electronic commerce by imaginary account for cash receipt And the server - Google Patents

Abstract

PURPOSE: A non-account EC(Electronic Commerce) method offering a cash receipt function by linking with the national tax office and an agent server are provided to flexibly apply for a cash receipt tax system by automatically informing the national tax office of the non-account EC in real-time and realize the clear non-account EC by passing a certification procedure before a cyber account is generated. CONSTITUTION: A client(100) is a communication terminal for a customer to performing the EC through the wired/wireless network. A shopping mall server(400) offers the customers with the EC articles by including diverse shops on the online. If an EC event is generated between the client and the shopping mall, a VAN(Value Added Network) server(200) mediates a non-account transfer settlement by generating the cyber account after certification, and informs the non-account transaction to a national tax office server(500). A financial institution server(300) provides cyber account information to the VAN server.

Description

Method of electronic commerce by imaginary account for cash receipt And the server}

The present invention relates to a bank account electronic commerce method through an agency agency VAN, and more particularly to a method for transmitting the bank account electronic commerce details to the IRS in real time to perform the same function as a receipt at the time of cash settlement. .

In Korea, a system that deducts 20% of the amount of the credit card used by the income earner over 10% of the annual gross salary from the income earned is currently in operation to promote the use of credit cards and to reduce the burden on the earners. .

On the other hand, in recent years, as the spread of the Internet has increased rapidly, electronic commerce targeting people around the world has been developed and used through the same medium as the Internet. E-Commerce is generally a large customer as well as a commerce involving the flow of money using electronic media and electronic technologies and means under an integrated automated information system environment between companies and companies, between companies and individuals, between individuals and individuals, or between governments and enterprises. It involves a series of activities such as marketing, advertising, procurement, service, production, transportation, and purchase.

In general e-commerce, when a buyer accesses a shopping mall site in a cyber space such as the Internet through a computer, purchases a product, and requests a credit card payment, the shopping mall site requests authentication by a certification authority for the buyer's credit card payment method. Accordingly, the certification bodies of financial institutions, such as banks, credit card companies, and prepaid card issuing companies that issue payment methods, search their own authentication database and perform authentication processing on payment methods that request authentication. Approve.

In such electronic commerce, a credit card or the like is mainly used as a payment method. In the case of an electronic commerce using a credit card, the credit card usage confirmation is sent to each consumer at the end of the year, and the consumer can submit the credit card usage confirmation received to the IRS to receive the income deduction.

However, in the case of an e-commerce transaction using a bank account deposit method, a bank account deposit payment is made through a virtual account assigned to an orderer or an order to make a deposit through a representative account or simply to confirm the identity of an orderer and a depositor. The bank account payment is made through a virtual account without going through. That is, when there is a purchase of goods through online, the deposit is made to the representative account or the virtual account number is immediately informed to the consumer without going through the authentication process to induce the bank account deposit. Unlike e-commerce by credit card, this is not similar to cash payment in case of unpaid e-commerce.

However, the conventional unlisted electronic commerce as described above has the following problems.

For the transparency of self-employed taxpayers, a cash receipt income deduction system will be implemented from January 2005, where 20% of the amount paid is deducted from earned income if the consumer pays cash for goods and services for more than 5,000 won and reports it to the IRS. Is expected. However, if the credit card payment is made at the time of e-commerce, the consumer can apply for income deduction from the IRS after receiving a credit card usage confirmation.However, in the case of cash-based e-commerce such as unpaid payment, It is not a reality. In other words, unlike a credit card payment when an e-commerce transaction is made without a bank account payment, there is a problem that the consumer can not receive an income deduction because there is no receipt to prove the goods transaction.

In particular, in the case of unpaid e-commerce, there is a problem in that it is not possible to issue a unpaid e-commerce receipt because the identity cannot be verified because the unpaid e-commerce is performed using the virtual account without the representative account or the identity verification process.

The present invention has been made to solve the above problems, and an object thereof is to solve the following technical problems. First, when unpaid e-commerce occurs, it automatically reports to the IRS in real time so that it can be flexibly applied to a system such as cash receipt tax deduction. Secondly, in the event of unpaid e-commerce, a transparent unpaid e-commerce is made by having a user authentication process before creating a virtual account.

1 is a system diagram of a bankbook electronic commerce according to an embodiment of the present invention.

2 is an internal configuration block diagram of a VAN server.

3 is a flow chart of a bankbook electronic commerce according to an embodiment of the present invention.

4 is a diagram illustrating an embodiment of notifying a virtual account number to a client.

* Description of the symbols for the main parts of the drawings *

S302: Purchase of goods S304: Payment request for bankbook transaction

S308: Submit a public certificate S316: Provide virtual account number

S318: Deposit virtual account S320: Notify completion of virtual account deposit

S322: Notification of Completion of E-Commerce S324: Transmission of E-Commerce Information

In order to achieve the above object, the present invention provides a method in which a client, which is an e-commerce purchase terminal, accesses a specific shopping mall server and performs e-commerce without a bank account. Selecting an e-commerce transaction, requesting the shopping mall server to perform an e-commerce payment on a bank account for an e-commerce brokerage agent, and after the VAN server completes the authentication process of the client, Receiving a virtual account number from a financial institution server of the financial institution server and notifying the client; and when the client makes a deposit with the virtual account number, the virtual bank account is notified of the virtual account deposit from the financial institution server. VAN Remind that it is complete Notify the corresponding shopping mall server, and includes the step of transmitting the information on the e-commerce server mutongjang completion of the Internal Revenue Service.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the drawings.

1 is a system diagram of a bankbook electronic commerce according to an embodiment of the present invention.

The client 100 is a communication terminal such as a personal computer, a mobile phone, a personal information terminal of a consumer who wants to perform electronic commerce through a wired or wireless network such as an internet network, and the client 100 includes hardware for connecting to an external network network. A protocol is provided.

The shopping mall server 400 is an agent for providing an electronic commerce means, and provides various goods electronic commerce to consumers by entering various stores online.

The VAN server 200 is an e-commerce brokerage server and is a server that acts as an agent when an e-commerce event occurs between the client and the shopping mall server. That is, when an e-commerce event occurs between the client 100 and the shopping mall server 400, the VAN server 200 generates a virtual account after verifying identity (authentication), and acts as an unpaid deposit payment, and sends it to the IRS server 500. Notify of non-banking transactions.

The National Tax Service server 500 is a system that manages national tax payment and integrates and manages tax collection of individuals and corporations in the country.

The financial institution server 300 is a computer server of a financial institution such as a bank or a post office. The financial institution server 300 provides virtual account information to the VAN server through packet exchange such as an X.24 protocol with a VAN server.

2 is a block diagram illustrating an internal configuration of a VAN server according to an embodiment of the present invention.

The VAN server 200 described below has been described as a role-oriented feature distinguished from the conventional financial intermediation VAN server. Therefore, it will be apparent that other detailed modules of the VAN server not described below are omitted because they perform functions similar to those of the conventional VAN server.

The network access module 210 is a module for providing a protocol for accessing the shopping mall server 400, the IRS server 500, and the client 100 to the Internet network or a dedicated line network, and includes a TCP / IP protocol and an IRS server for Internet access. X.25 protocol for exchanging data packets with

The authentication processing module 220 is a module that is in charge of authenticating a client for bankbook electronic commerce. There may be various methods of the authentication process, and thus the function of the authentication processing module varies. For example, when the authentication using the public certificate is made, the authentication processing module is responsible for the function of submitting the public certificate from the client 100 to the public authentication server, and when performing a personal authentication through a mobile phone or an email. Generates a random authentication number and sends it to the client. In addition, it performs a function to perform the authentication by receiving a unique card number or resident registration number such as credit card number, debit card number, credit card, department store card of the e-commerce buyer.

The e-commerce information processing module 230, the e-commerce information including the business card number, payment amount, credit card, credit card, department store card, such as the only card number or social security number, name, etc. This module performs the function of notifying to. The notification may be made immediately upon completion of the e-commerce e-commerce, but in some cases, the IRS server may be notified of the completion of the e-commerce for a predetermined period.

The virtual account DB 250 is the order number, unpaid payment amount, name on the certificate, social security number, buyer's credit card number, debit card number, earning card, department store card, etc. for each virtual account granted by the financial institution server 300 It is a database that matches the card numbers of a table and stores them in a table.

The shopping mall DB 260 is a database storing information of the shopping mall server 400 managed by the VAN server 200, and records the business number, representative name, location, and contact information of each shopping mall.

Figure 3 is a flow chart illustrating a bank account deposit electronic commerce method according to an embodiment of the present invention.

When the client 100 connects to a specific shopping mall server and generates an unpaid deposit goods purchase event online (S302), the shopping mall server requests the VAN server to perform unpaid transaction payment (S304).

The VAN server 200 receiving the request has an identity authentication procedure of the client 100. In other words, request to submit an encrypted public certificate to the client (S306), and accordingly receives an encrypted public certificate from the client (S308) and transmits it to the public authentication server 600 receives the validation (S310). .

The identity verification procedure may be performed in a variety of ways in addition to the public certificate procedure described above. For example, identity verification may be performed by sending an authentication number to the consumer's mobile phone and receiving it again, or identity verification by sending an authentication number to the consumer's email account and receiving it again. In addition, it performs a function to perform the authentication by receiving a unique card number or resident registration number such as credit card number, debit card number, credit card, department store card of the e-commerce buyer. Therefore, it will be apparent that the authentication process can be performed in various ways.

In addition, if you want to use a recurring deposit account by granting a permanent account to the consumer, rather than a method that is given by order, issue a virtual account through the above authentication and in case of repeated deposit to the issued account This needlessness will be self-evident.

At this time, if there is an error in identity verification after performing identity verification, prevent deposit error through deposit error / refusal of deposit at the time of deposit, or notify the error of identity verification through the user's mobile phone or email after deposit and correct the identity verification number. You will be asked.

If the authentication process for the client is completed, the VAN server 200 requests the client 100 to create a virtual account to the financial institution server 300 selected (S312). When the financial institution server 300 receiving the request gives the virtual account number of the virtual account generated to the VAN server (S314), the VAN server 200 sends the received virtual account number to the client 100 in FIG. 4. Provided as shown (S316).

Meanwhile, the VAN server 200 matches the virtual account number, the resident number and name on the authorized certificate, the order number of the shopping mall, and the payment amount before receiving the virtual account from the financial institution server 300 and transmitting it to the client. Store in a predetermined database.

After the client 100 receives the virtual account number through the above steps, and completes the deposit with the virtual account number received by the e-commerce consumer (S318), the financial institution server 300 deposits the virtual account for the corresponding virtual account. This is notified to the VAN server 200 that the bank account transaction is completed (S320).

The VAN server 200 which has received the bank account deposit notification becomes a virtual account deposit for the corresponding e-commerce to the shopping mall server 400 and notifies that the e-commerce payment is completed (S322), and at the same time to the IRS server 500 The transaction information is transmitted (S324). Therefore, the IRS finds that there is no bank account transaction for a specific e-commerce, and it is useful for later calculation and audit of a specific individual's income deduction.

The electronic commerce information is information data about the information on the electronic commerce made through the unpaid transaction, and includes a shopping mall business number, a unpaid payment amount, a resident number of the buyer of the goods, a name, and the like.

Therefore, each individual and legal entity can query the IRS server for the total amount of unpaid deposit payment through their virtual account used in electronic commerce as well as the amount of cash payments offline, and the IRS also uses individual and corporate information by using the e-commerce information. Will be able to calculate the tax reduction.

Although the technical spirit of the present invention has been described in detail according to the above-described preferred embodiment, the above-described embodiment is for the purpose of explanation, and a person of ordinary skill in the art will understand that various embodiments are possible in the technical scope of the present invention. Could be.

As described above, the present invention solves the inconvenience of having to submit a receipt at the time of a cash settlement to receive an income deduction by transmitting the e-commerce details to the National Tax Office in real time when an unpaid e-commerce occurs. In addition, the transparent bankbook e-commerce scheme was implemented by having an authentication process in advance before creating a virtual account for transparency of bankbook electronic commerce.

Claims (8)

In the method for a client, which is an e-commerce purchasing terminal, connects to a specific shopping mall server and performs e-commerce without bankbook, A first step of the client accessing the shopping mall server to determine the purchase of tangible and intangible goods, and then select a non-book e-commerce; A second step of requesting, by the shopping mall server, to perform an unpaid e-commerce payment to a VAN server performing an e-commerce brokerage agent; A third step in which the VAN server receives a virtual account number from a predetermined financial institution server and notifies the client after completing the authentication process of the client; When the client deposits the virtual account number, the VAN server notifies the shopping mall server that the virtual bank account payment has been received from the financial institution server, and the shopping mall server notifies the shopping mall server of the completed bank account e-commerce. 4th step of sending information to the IRS server Bankbook e-commerce method provided with. The method of claim 1, wherein in the third step, the identity verification process, Requesting the client to submit a certificate and receiving the certificate; Requesting for personal authentication by transmitting the received official certificate to a public certification authority Bankbook e-commerce method provided with. The method of claim 1, wherein in the third step, the authentication process is performed by sending an arbitrary authentication number to a personal communication medium including a mobile phone and an e-mail of an unpaid e-commerce buyer, and receiving it again, thereby performing identity authentication. Unpaid e-commerce method. The method of claim 1, wherein in the third step, the authentication process is performed by submitting a unique card number or social security number such as a credit card number, a debit card number, a credit card, a department store card, etc. of an e-commerce buyer, to perform identity verification. Bankbook e-commerce method According to claim 1, VAN server in the third step to match the virtual account number received from the financial institution server, order number, payment amount, buyer's social security number and name, or debit card number, credit card, department store card, etc. Bank account e-commerce method characterized in that it further comprises storing the card number in a table. The method of claim 1, wherein in the fourth step, the information on the unpaid e-commerce includes the unlisted e-commerce including a business number of a shopping mall, a payment amount, a purchaser's name, a resident number or a debit card number, a unique card number such as a credit card and a department store card. Passbook e-commerce method, characterized in that the related information. The method according to any one of claims 1 to 4, wherein if there is an error in identity verification after performing identity verification, the deposit error is prevented through a deposit error / refusal of deposit at the time of deposit, or the identity is verified through a mobile phone or e-mail after the deposit. Bank account e-commerce method characterized in that the notification of the error and request to modify the identity number. In the VAN server for brokering settlement of unpaid e-commerce, A network access module that performs network access with an external network and a dedicated network; An authentication processing module that performs authentication of a client who is an unpaid e-commerce purchase terminal; An e-commerce information processing module for managing e-commerce information and transmitting the e-commerce information to the IRS server; A virtual account database that stores information related to unpaid e-commerce for each virtual account by matching the order number, payment amount, buyer's social security number, and name to a table; VAN server having a shopping mall database that stores the operator number, representative number, contact information of the member shopping mall managed by the brokerage of the electronic commerce payment of the VAN server.