KR100451664B1 - System and method for generating an account book - Google Patents

Abstract

The present invention relates to a system and method for automatically generating an accounting book online by collecting financial payment information received from a payment information input device, and receiving financial card payment information transmitted from the payment information input device in response to a payment request. Receiving and storing the sales information of the operator; Receiving receipt issuance information issued from the payment information input unit according to a cash payment from the payment information input unit and storing the receipt issuance information as sales information of the operator; Receiving financial card payment information transmitted from the payment information input unit according to a purchase payment request and storing the received payment information as a purchase information of a business operator; Receiving the self-paying financial information transmitted from the payment information input unit according to the management cost self-payment request and storing it as an incident management cost for preparing an accounting book; And collecting sales information, purchase information, and incidental management costs for the same operator to generate an accounting book and output them in response to the operator request.

Description

System and method for automatic account book creation using purchase-only card {SYSTEM AND METHOD FOR GENERATING AN ACCOUNT BOOK}

The present invention relates to an automatic account book generation system and a method thereof, and more particularly, to a system and method for automatically generating an account book online by collecting financial settlement information received from a payment information input device.

Referring to the Income Tax Act, which is expected to be implemented in January 2002, it is mandatory for all business operators to make a bookkeeping, which states that they must book a simple ledger. It would not be an exaggeration to say that these simple book holders account for the majority of taxable businesses as the businesses whose annual income is less than 150 million won.

Given the reality, most operators do not have accounting expertise, so most operators are forced to make a mandatory simple book from an outside agency. Therefore, if there is a system that can automatically and objectively and reliably generate accounting books for the operation business without additional accounting knowledge, it is expected that it will be very helpful for the small business owners.

On the other hand, considering the government policy that encourages the use of credit cards to ensure transparency of income, if a system is introduced that can automatically generate account books based on credit card use, small business owners can It is possible to obtain convenient ledgers that are mandatory without investing additional time and money, and from the government level, transparent and objective tax data can be obtained, which can increase the national treasury as well as the public It is expected to be able to secure reliability.

Accordingly, an object of the present invention is to make the financial settlement according to the trading activity online, and to accumulate the financial card payment information transmitted online by accumulating the data for the preparation of the accounting book, a system which can automatically generate the accounting book conveniently. And it provides a method.

Another object of the present invention is to provide an automatic account book generation system and method using a purchase-only card that can automatically generate accounting data that can ensure transparency of tax return and equity of taxation application.

1 is a peripheral configuration diagram of an automatic account book generation system 200 according to an embodiment of the present invention.

2 is a block diagram of a payment information input unit 100 according to an embodiment of the present invention.

Figure 3 is a detailed configuration of the account book automatic generation system 200 according to an embodiment of the present invention.

Figure 4 is a flow chart of sales information storage according to an embodiment of the present invention.

Figure 5 is a flow chart storing the purchase information according to an embodiment of the present invention.

6 is a flow chart of the incident management cost storage according to an embodiment of the present invention.

Account book automatic generation method according to an embodiment of the present invention for achieving the above object,

Receiving the financial card payment information transmitted from the payment information input unit according to a payment request and storing the information as sales information of the operator;

Receiving receipt issuance information issued from the payment information input unit according to a cash payment from the payment information input unit and storing the receipt issuance information as sales information of the operator;

Receiving financial card payment information transmitted from the payment information input unit according to a purchase payment request and storing the received payment information as a purchase information of a business operator;

Receiving the self-paying financial information transmitted from the payment information input unit according to the management cost self-payment request and storing it as an incident management cost for preparing an accounting book;

And collecting sales information, purchase information, and incidental management costs for the same operator to generate an accounting book and output them in response to the operator request.

By automatically generating and outputting account books, each operator can easily create mandatory simple books without investing time and money.

Account book automatic generation system for achieving the object of the present invention,

A network connection unit for connecting to a payment information inputter having an electronic money reading function and a magnetic stripe reading function through any one of wired and wireless networks;

A payment processing unit for requesting credit inquiry approval or bank transfer of a desired payment amount to a corresponding financial institution server according to the financial card payment information received through the network connection unit;

An electronic money management unit for requesting a financial settlement inquiry for a request for charging electronic money for each customer received through the network connection unit, and for sending an update command of a desired charging request amount to the payment information input unit upon approval;

An accounting book generation control unit for receiving the financial card payment information and the receipt issuing information transmitted from the payment information input unit and dividing it into sales, purchase, and management cost information for each operator to generate an accounting book;

And a customer management database for storing revenue, purchase, and management cost information for generating accounting books for each operator.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted. For reference, a payment method using a financial card (credit card, cash card, IC card) necessary for understanding the present invention is described in detail in "self-payment system and method" filed by the applicant of the present application. Detailed description thereof will be omitted below.

First, Figure 1 shows a peripheral configuration of the automatic account book generation system 200 according to an embodiment of the present invention, the automatic account book generation system 200 and the payment information input unit 100 is distributed to each business Connection is possible via wired and wireless dedicated lines. The wired / wireless dedicated line means that the wireless information modem 100 is connected to a base station of a mobile communication operator through a dedicated line when a wireless modem is installed in the payment information input unit 100. In the case of using a public telephone network, the payment information input unit 100 is provided through a telephone line. ) And the account book automatic generation system 200, that is, the service provider server 200 is connected. In the embodiment of the present invention, it is assumed that the account book automatic generation system has the same concept as the service provider server 200.

The service provider server 200, which is an automatic accounting book generation system, is connected to a plurality of utility collector servers 400 such as waterworks and KEPCO through a dedicated line, and a card company server 310, which is one of financial settlement systems, and It is connected to the bank server 320 via a dedicated line. The reason for being connected to the financial settlement system server is to support the self-charging function of the IC card through the payment information inputter 100, as well as to support the credit settlement through the credit card and the financial settlement through the cash card.

Briefly explaining the peripheral configuration operation of the account book automatic generation system 200 shown in Figure 1, the payment information input device 100 the business owner reads the IC card, credit card, cash card of the electronic money of the business customer financial settlement It is used to carry out the self-payment of incidental management expenses such as collection of utility bills and provision of salaries by using the purchase-only card owned by the employer. The configuration of the payment information input unit 100 is shown in detail in FIG.

The service provider server 200 basically performs a role of mediating financial settlement with a card company or a bank server based on payment information received from an accessible payment information input device 100, and the payment information input device 100. Based on the financial card payment information received from the cumulative sales of the operator, purchase information and incident management costs are accumulated and used to generate the book. In addition, when the customer requests to recharge the electronic money, the customer information recorded on the credit card or credit card is transferred from the payment information input unit 100 to the card company or the bank server, which is a financial settlement system, and is requested from the customer. The requested information is transmitted to the payment information input unit 100 so that the requested self can be renewed. The detailed configuration of such a service provider server 200 is shown in FIG.

On the other hand, the card company server 310 and the bank server 320 transmits the approval status information to the service provider server 200 after the self-assessment of the approval if the financial payment inquiry request from the service provider server 200 itself give. As an example, when a customer requests a self recharge or sales payment using a cash card, the bank server 320 may provide the approval status information to the service provider server 200 in comparison with the current customer's balance and the requested recharge amount or payment amount. Send it to). In case of approval, transfer the amount of payment or sales payment to the service provider's account or the operator's account.

Although not shown in FIG. 1, a plurality of product seller servers may also be connected to the service provider server 200 through a dedicated line or an internet network. This means that the system can be built according to the target of self-payment of expenses for incidental management expenses.

2 is a block diagram of a self payment and a self-charging payment information input device 100 according to an embodiment of the present invention.

Referring to FIG. 2, the printer 102 is controlled by the controller 110 and outputs a bill. In addition, even in the case of payment in cash, the control unit 110 outputs a receipt according to the cash sales. As an example of such a printer 102, a thermal transfer printer can be used. The card reader (Magnetic Stripe) (104) is a personal information from the financial card (credit card, cash card, debit card, purchase-only card) is inserted into the card insertion groove (not shown) provided on the top of the payment information input unit It reads and outputs to the control part 110. The IC card information updating unit 106 reads out and outputs the customer information and the current charge amount information from the IC card inserted into the IC card insertion opening, and writes the charge amount under the control of the controller 110. An interface unit (I / F) 108 for interfacing signal transmission and reception is located between the printer 102, the card reader 104, and the IC card information update unit 106 and the control unit 110.

On the other hand, the payment information input unit 100 is provided with a wireless communication unit 116 for transmitting data with the base station of the mobile communication operator through a wireless network. The wireless communication unit 116 includes a duplexer and a transmitter / receiver as already known. That is, when communicating with the base station, the wireless communication unit 116 transmits a signal from the transmitting unit to the base station through the antenna ANT and receives the signal transmitted from the base station through the antenna ANT to the receiving unit. In this case, the transmitter converts a modulated signal from the audio unit into a radio signal and outputs the radio signal to the duplexer. The receiver receives a radio signal output from the duplexer and outputs the radio signal to the audio unit.

The controller 110 controls the overall operation of the payment information input unit 100. For example, the controller 110 reads the customer information from the IC card or the financial card, which is an electronic money, if a financial settlement or a self-charging command is received from the customer, and the wireless communication unit 116 or the modem ( 118 to be transmitted to the service provider server 200. When payment details are received from the service provider server 200, the payment details are displayed on the display unit 114, and the memory is stored in the memory 112 according to the storage command.

The memory 112 includes a ROM in which program data for controlling the overall operation of the terminal 100 is stored, a RAM in which data generated when the control operation is performed and various data processed are temporarily stored, and The EEPROM is configured to store the received payment number and payment history information, and is controlled by the controller 110.

The display unit and the key input unit 114 display the display data generated by the control of the controller 110 to the user, and transmit a command input by the user to the controller 110. The key input unit may include a sales settlement, a purchase settlement button and a supplementary management expense self settlement button, and a plurality of function buttons and number buttons for implementing the present invention. Utility bill identification codes, such as rate identification code, electricity rate identification code 2, and water rate identification code 3, are pre-assigned and may be used as shortcut buttons.

The modem 118 performs a function of demodulating and transmitting data so that the payment information input device 100 and the service provider server 200 can transmit and receive data to and from each other through a telephone line constituting a public network.

That is, the payment information input unit 100 according to an embodiment of the present invention transmits the financial card payment information input by the operator to the service provider server 200 through a wired network such as a wireless network or a public telephone network.

Hereinafter, the configuration of the service provider server 200 for automatically generating an accounting book by accessing the payment information input device 100 and the wired / wireless network described above will be described.

Figure 3 shows a detailed configuration of the account book automatic generation system 200 according to an embodiment of the present invention. Referring to Figure 3,

The network connection unit 230 is physically connected to the network dedicated line of the wire / wireless communication service provider and transmits and receives data to and from the payment information input device 100 having an electronic money reading function and a magnetic stripe reading function. The payment processing unit 215 requests credit inquiry approval or bank transfer of the desired payment amount to the financial institution server according to the financial card payment information received through the network connection unit 230, and the payment details information accordingly Serves to store at 240. For example, the payment processing unit 215 mediates the financial settlement based on the financial settlement information received from the payment information input unit 100 so that the settlement is processed. That is, in the case of credit card payment, the credit card request is sent by transmitting the customer information and the payment amount of the credit card received from the payment information input device 100 to the card company server 310, and the information is received when the information on the approval result is received. In addition to the transmission to the 100, and serves to store the payment history information in the database 240.

The electronic money management unit 220 requests a financial settlement inquiry for a request for charging electronic money for each customer received through the network connection unit 230 and transmits an update command of a desired amount of payment upon approval to the payment information input unit 100. Give it. In this case, the electronic money management unit 220 stores in the customer-specific charge amount management database 250 the amount requested by the customer to charge the customer-specific charge amount to the bank or card company.

On the other hand, the account book generation control unit 210 receives the financial card payment information and receipt issuing information transmitted from the payment information input unit 100 serves to generate and output the accounting book for each operator. Referring to the operation of the account book generation control unit 210 in more detail, the sales or purchase, the management cost is transferred from the payment information input unit 100, the financial card payment information and receipt issuance information received in response to the payment request by each Store by classifier. At the time of accounting book generation, it collects sales information, purchase information, and incidental management expenses classified and classified by each business operator to generate accounting books and outputs them in response to the request of the business owner. The customer management database 235 is provided for the generation of the accounting book for each business operator. The customer management database 235 stores the payment amount information for each business operator, purchases, and incidental management expenses. In the embodiment of the present invention to receive the financial card payment information and receipt issuing information to generate the accounting book for each business operator, but if the era of all the commerce payment is made by credit card, only the financial card payment information alone account book Can be generated.

The web server 225 provides the payment details and the account book generation output request from the customer connected through the Internet, and provides the information necessary to receive the service according to the embodiment of the present invention on the web. Play the role of giving.

Meanwhile, the service provider server 200 additionally includes a product code database 245 for matching and storing a product identification code and billing information according thereto. By the product code database 245, the customer is provided with the item and price information of the product to be purchased on the web, and can also perform self-payment of the purchase price of the product using the product code. These product codes may include codes for utilities such as gas bills, electricity bills, and water bills. In addition, the service provider server 200 is provided with a payment history database 240 for storing detailed information about payment details. The payment history database 240 stores and manages customer's self-payment information, utility bills or product identification codes, payment amount, payment date, receipt information of goods.

Product purchase customer information may be further stored in the customer management database (235). In addition, the server 200 may charge a charge for the charge amount to the card company and the bank by providing a charge amount management database 250 for each customer to manage the charge amount for each customer.

Hereinafter, the accounting book automatic generation process performed by the service provider server 200 will be described in detail with reference to FIGS. 4 to 6.

First, Figure 4 shows a sales information storage flow chart according to an embodiment of the present invention, Figure 5 is a purchase information storage flow chart according to an embodiment of the present invention, Figure 6 is a unit according to an embodiment of the present invention The management cost storage flowchart is shown, respectively.

Referring to Figure 4 how to store the sales information of each operator,

First, when a business operator presses a sales payment button provided in the payment information inputter 100, the payment information inputter 100 requests the payment service to the service provider server 200. When such a payment request is received (step 500), the service provider server 200 transmits an access approval signal to the payment information input unit 100. By transmitting the access approval signal, a channel for data transmission and reception is formed between the payment information input unit 100 and the service provider server 200. In this state, when the operator leads one of the customer's financial card to the payment information input unit 100, and enters the payment amount, the financial information consisting of identification information, payment amount, financial card identification information and customer information of the payment information input unit 100; The card payment information is transmitted to the service provider server 200. Therefore, the service provider server 200 receives it in step 505. For reference, the identification information of the payment information input unit 100 is used as information for identifying a business operator, and the payment amount is used to accumulate sales when generating an accounting book.

In operation 510, the service provider server 200 determines whether the received financial card payment information is payment information by a credit card. If it is determined that the payment is made by credit card, the process proceeds to step 515 and requests credit inquiry to the card company server 310. And after receiving the approval result according to the credit inquiry request (step 520) and transmits it to the payment information input device 100 (step 525). In addition, the service provider server 200 stores the completed payment information as the sales information in the customer management DB 235 (step 530). In order to generate and verify an accounting book, the customer information and the information of the financial institution that performed the payment may be stored together.

In this manner, the service provider server 200 is able to accumulate all the sales transaction amount made by the credit card for each provider. On the other hand, when receiving cash in return for the provision of goods or services, and also should be calculated as the amount of sales, the service provider server 200 periodically receives a receipt issuance information issued when receiving cash from the payment information input device 100 ( In step 535), it is stored as the sales information (step 540) to accumulate accurate sales information. To this end, if the system provides a system that can be used to provide free gifts by using receipts issued by cash payment or can be used as data for year-end settlement, payment by cash can be easily accumulated as sales information.

On the other hand, if the customer has made a payment using a cash card rather than a credit card, the service provider server 200 recognizes this in step 545 and proceeds to step 550. In step 550, the service provider server 200 transmits the customer information, the payment amount information, and the account information of the operator to the bank server that issued the cash card, and requests for the account transfer. In this case, the bank server subtracts the payment amount from the balance and transfers the payment amount to the operator's account when the received customer balance is more than the received payment amount. When the result is transmitted to the service provider server 200, the service provider server 200 receives the information on whether the transfer is completed (step 555) and transmits the result to the payment information input unit 100 again. In operation 530, the payment amount settled by the cash card is stored as sales information.

Therefore, even if the payment is made by cash card, the sales information of each operator may be stored in the customer management DB (step 235).

On the other hand, if the payment is made with the IC card, which is an electronic money, the service provider server 200 determines whether it is possible to settle the sales amount based on the remaining amount of the IC card in step 565. That is, it is determined whether the received balance information is more than the payment amount. If it is determined in step 565 that the financial settlement is possible, the process proceeds to step 570 after using the general electronic money, and transmits the payment completion information to the payment information input unit 100. After the transfer of the payment amount is requested to the financial institution (step 575), the process returns to step 530 and stores the amount paid by the IC card as sales information.

Therefore, the service provider server 200 may accumulate the sales revenue of each service provider only with the financial card payment information and the receipt issuing information received from the payment information inputter 100.

The following describes the accumulation and calculation of the purchase amount of the operators,

First of all, the purchase cost incurred when a business purchases the goods needed for the business can be purchased using a business-only purchase card. Of course, the purchase amount can be settled using the operator's own credit card, cash card or IC card. In all of these cases, the server needs to be aware of the purchase and simply accumulate the payments involved. In the embodiment of the present invention will be described with respect to the accumulation of the purchase amount of the operator using only the customer-specific card.

First, when a business operator purchases a desired item and presses the purchase payment button provided in his payment information inputter 100, the payment information inputter 100 requests a purchase payment to the service provider server 200. When the purchase payment request is received (step 600), the service provider server 200 transmits a connection approval signal to the payment information input unit 100. By transmitting the access approval signal, a channel for data transmission and reception is formed between the payment information input unit 100 and the service provider server 200. In this state, the operator leads his purchase-only card (MS card type) to the payment information input unit 100, and enters a payment amount and a purchase item code, the identification information, payment amount, and purchase item of the payment information input unit 100. Financial card payment information consisting of a code is transmitted to the service provider server 200. Therefore, the service provider server 200 receives the financial card payment information, which is the payment information, in step 605. For reference, the purchase article code may be a unique code assigned to a delivery company or may be a code assigned to a specific article. These purchase item codes can also be used to track the tax data of the business that delivered the goods to the business.

Upon receiving the financial card payment information as the purchase payment information as described above, the service provider server 200 requests a credit inquiry to the card company server 310 that issued the purchase-only card (step 610). When the approval result is received according to the credit inquiry request (step 615), the service provider server 200 transmits it to the payment information input unit 100 (step 620). In addition, the service provider server 200 stores the completed payment information in the customer management DB 235 as purchase information (step 625). In this case, too, the information necessary for accounting book generation and verification can be stored and used together with customer information and purchase amount information.

As described above, the service provider server 200 may accumulate the purchase amount of each business operator and generate the account book by using only the financial card payment information received from the payment information input unit 100 according to the use of the purchase-only card. .

In the above-described embodiment, only the credit purchase by the purchase-only card is illustrated, but the payment for the purchase article may be performed using the credit card held by the business operator. In this case, since the server 200 can recognize the fact of purchase by using the purchase payment button provided in the payment information inputter 100, and can identify a business operator by the identification information of the payment information inputter 100. In addition, it is possible to obtain and store at least the business information, payment amount information, and purchase article codes necessary for preparing the book. Of course, even in the case of paying the purchase amount using a cash card and an IC card, the purchase amount of each operator can be accumulated in the same manner.

In addition, the service provider server 200 may request a financial payment only when the identification information of the payment information input unit 100 and the identification information of a purchase-only card are identification information assigned to a business operator. This is to minimize the situation in which an operator may inevitably suffer a loss of a purchase-only card.

Hereinafter, a process of accumulating management costs and using them to generate an accounting book will be described with reference to FIG.

First of all, in order to prepare an accounting book, it is necessary to settle and accumulate management expenses other than sales, purchase amount and purchase amount. Therefore, in the embodiment of the present invention, all items other than the purchase amount were classified as incidental management costs, and each of the separated administrative costs was assigned a code to be accumulated and counted. For example, various utility bills, labor costs, and building management costs can be classified as incidental management costs.

First, when the operator presses the management cost self-payment button provided in his payment information input device 100 to perform the management cost self-payment, the payment information input device 100 requests the service provider self-paying the management cost. When the request is received (step 650), the service provider server 200 transmits an access approval signal to the payment information input unit 100. By transmitting the access approval signal, a channel for data transmission and reception is formed between the payment information input unit 100 and the service provider server 200. In this state, the service provider server 200 requests the transmission of self-payment item information. Then, the operator inputs the self-payment item information through the payment information input unit 100. The self-payment item information is input using a number button provided in the payment information input unit 100, and may be made by distributing a code set in which codes are assigned to each management item.

If the business operator selects the salary payment (code number "11") as the self-payment item information, the self-payment item information is received by the service provider server 200 (step 655), and the service provider server 200 self-payment. The following subroutine is executed according to the item information.

First, if the self-payment item information is payroll, request the payee information. Such payee information may be the account number of the payee or the resident registration number of the payee. Of course, the recipient's account number and social security number must be registered in advance in the customer management DB (235) of the server 200. In this state, if the recipient's account number is received as the recipient information (step 660), the service provider server 200 requests the payment amount together with the financial card information. Accordingly, when the operator inputs the payment amount which is the payment amount after leading the purchase-only card or the financial card, the service provider server 200 receives the purchase-only card or the financial card information and the payment amount (step 665) and then checks the credit of the operator. According to the result, the payment amount is requested to the recipient's account (step 670). If a credit card is used as a financial card, after the account inquiry, the payment amount is requested to the recipient's account.

As described above, in response to the request for the payment of the payment to the payee's account, the bank server receives the completion of the transfer from the bank server (step 575). Then, the service provider server 200 proceeds to step 680 and the payment information input unit 100. Send whether the payment is completed or not). Accordingly, the operator will receive information on whether the payroll is completed for the employee, and the service provider server 200 stores the salary recipient information and the payment amount as the administrative expense expenditure information (step 720), thereby managing the administrative expenses for labor costs. This will be able to accumulate automatically.

On the other hand, if the self-payment item information received from the payment information input unit 100 is a utility bill payment (code number "22"), the service provider server 200 requests the operator to enter the Giro number. Such a jiro number means a number written on a giro sheet that informs the collection of utility bills. When the service provider enters a Giro number, the service provider server 200 receives it (step 690) and requests the bill collector server 400 to transmit a payment amount (step 695). Then, the bill collector server 400 transmits the payment amount to be collected by checking the received Giro number to the service provider server 200, and the service provider server 200 transmits it to the payment information input device 100 again. (700 steps)

Therefore, when the operator requests a payment using a purchase-only card or a financial card after confirming the payment amount, the service provider server 200 receives the purchase-only card or financial card information in step 705 and then pays or transfers the payment accordingly. Ask your credit card company or bank server. This is the transfer request of utility bills (step 710). In this way, when the utility billing completion information is received according to the transfer request of the utility bill (step 715), the service provider server 200 proceeds to step 720 and stores the utility bill payment amount and the operator identification information as management expense expenditure information (step 720). .

That is, the present invention stores the self-payment financial information received in accordance with the management cost self-payment request as described above and uses it to generate an accounting book by storing it as an incident management cost for creating an accounting book.

As in the above-described embodiment of the present invention, if the sales, purchase amount, and management cost information for each operator is accumulated during the tax accounting settlement period, the service provider server 200 then sales information, purchase information, and incidental management cost for the same operator. By generating the accounting book and outputting it in response to the operator request, each operator can conveniently obtain a convenient book.

For reference, the ledger generated by the server may download the ledger file to the information terminal of the operator when the operator requests on-offline or print the generated ledger and send it to the operator by mail. have.

As described above, the present invention by accumulating all the financial card payment information that is settled using a purchase-only card or a financial card according to the purchase, sales payment and administrative expenses self-payment request, the accounting book for each operator online You can easily create.

As described above, the present invention allows the financial settlement according to the trading activity to be made online, and by automatically classifying and accumulating the financial settlement information transmitted online as data for preparing the accounting book, automatically generating the accounting book to each operator. There is a convenience that can be provided.

In addition, the present invention has the advantage of ensuring the transparency of the tax return because the accounting book is automatically generated by using the financial settlement information transmitted online, because the government can collect taxes based on the data secured transparency There is an advantage of ensuring equity of taxation application, and from an operator's point of view, there is an advantage of minimizing time and cost investment for accounting.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (12)

In the account book automatic generation method using a purchase-only card executable in the account book generation control unit of the system server to mediate financial settlement based on the payment information received from a plurality of accessible payment information input device, Receiving the financial card payment information transmitted from the payment information input unit according to a payment request and storing the information as sales information of the operator; Receiving receipt issuance information issued from the payment information input unit according to a cash payment from the payment information input unit and storing the receipt issuance information as sales information of the operator; Receiving financial card payment information transmitted from the payment information input unit according to a purchase payment request and storing the received payment information as a purchase information of a business operator; Receiving the self-paying financial information transmitted from the payment information input unit according to the management cost self-payment request and storing it as an incident management cost for preparing an accounting book; And collecting sales information, purchase information, and incidental management expenses for the same operator, and outputting the ledger in response to the operator request. The method of claim 1, wherein the account book file is downloaded to the information terminal of the operator through a web server in response to the operator request. The method of claim 1, wherein the accounting book is automatically generated. The accounting method of claim 1, wherein the financial card payment information received according to the sales payment request includes identification information, payment amount, financial card identification information, and customer information of a payment information input device. How to generate books automatically. delete The financial card payment information received according to the purchase payment request includes identification information of a payment information input device, purchase-only card identification information, payment amount, and purchase item code information. Accounting book automatic generation method. delete The self-payment financial information received according to the management cost self-payment request includes identification information of a payment information input device, purchase-only card identification information, payment amount, and self-payment item information. Accounting book automatic generation method characterized in that. The self-payment financial information received according to the management cost self-payment request includes identification information of a payment information input device, financial card identification information, payment amount, and self-payment item information. Accounting book automatic generation method. delete The method according to claim 9, wherein the self-payment item information is salary payment information, Receiving salary recipient information; And requesting a transfer of the payment amount, which is the payment amount, to the payee account. In the account book automatic generation system, A network connection unit for connecting to a payment information inputter having an electronic money reading function and a magnetic stripe reading function through any one of wired and wireless networks; A payment processing unit for requesting credit inquiry approval or bank transfer of a desired payment amount to a corresponding financial institution server according to the financial card payment information received through the network connection unit; An electronic money management unit for requesting a financial settlement inquiry for a request for charging electronic money for each customer received through the network connection unit, and for sending an update command of a desired charging request amount to the payment information input unit upon approval; An accounting book generation control unit for receiving the financial card payment information and the receipt issuing information transmitted from the payment information input unit and dividing it into sales, purchase, and management cost information for each operator to generate an accounting book; Accounting automatic generation system comprising a; customer management database for storing sales, purchase and management cost information for generating accounting books for each operator.