KR100539123B1 - Methods for paying wages by credit cards - Google Patents

Abstract

The present invention relates to a method of paying a salary by credit card using a server computer, and a method of paying a salary by credit card using a server computer, comprising: (a) a monthly salary of employees to the server computer; Storing a deposit account as a database on the server computer; (b) calculating salaries of selected employees based on the database; (c) requesting a business operator to pay the salary calculated above; (d) receiving credit card payment information including the calculated amount and credit card number from the operator's terminal; (e) transmitting the credit card payment information to a corresponding credit card company server and inquiring for approval; And, (f) if the credit card is normally approved, the step of depositing the salary online to each deposit account of the employee;

Description

How to pay by credit cards {Methods for paying wages by credit cards}

The present invention relates to a method of paying a salary by a credit card, and more particularly, by using a server computer that automatically calculates the salary of employees withholding taxes, a credit card is issued by the operator on the payday. When the employee's salary is paid, the invention relates to a salary being paid to the employee's bank account.

A credit card is a credit currency distributed on the basis of a user's credit. The credit card stores the necessary information (e.g. credit limit, password, card number, expiration date, password, etc.) on the credit card company's server, and compares this information with the request for authorization and decides whether to approve it The card company pays the merchant money on behalf of the user. Then, the billing is made in a way that the user collects and receives the amount of money used for a specific period on a subsequent settlement date. As a result, many users do not need to use cash to purchase items with the credit card, and pay the credit card company for the amount used for credit on the settlement date.

On the other hand, it is common practice to pay workers' wages in the company to the worker's bank account on a fixed date. Therefore, the employer needs cash to pay the worker's salary on the basis of the salary date. However, it is not easy to raise this cash on a certain date in small businesses or businesses that do credit transactions. If cash is not secured, it often leads to unpaid wages.

In addition, where wages are paid to workers, the employer must withhold taxes (income tax and residence tax) and report them to the competent tax office. Therefore, the management department in charge of human resources or general affairs settles and reports this, which is also troublesome for a business operator. In particular, in the case of a workplace that operates a small workplace, it is not uncommon to not report at all for the purpose of missing taxes.

The present invention was devised to solve the above problems, by enabling the payment of wages with a credit card to enable secure tax revenues, and provides a present invention that can facilitate the circulation of cash from the operator's point of view I would like to.

The invention provided in one aspect of the present invention for achieving the above object relates to a method of paying a salary by credit card using a server computer, (a) the monthly salary of employees and deposits to the server computer; Storing the account as a database on the server computer; (b) calculating salaries of selected employees based on the database; (c) requesting a business operator to pay the salary calculated above; (d) receiving credit card payment information including the calculated amount and credit card number from the operator's terminal; (e) transmitting the credit card payment information to a corresponding credit card company server and inquiring for approval; And, (f) if the credit card is normally approved, the step of depositing the salary online to each deposit account of the employee;

Preferably, in the step (a), the present invention further includes a salary specification, which is a taxation data on salaries of employees, and stores the tax withheld based on the database in the step (b). Computing the salary of the employees deducted; further comprises.

Preferably, the present invention comprises the steps of calculating the withholding amount of employees by tax on the basis of the tax data; And transmitting the taxation information including the withholding amount calculated above to the server of the tax office.

In another aspect of the present invention, an invention relates to an apparatus for paying an employee's salary by credit card on the web, comprising: a storage medium; And a processing unit connected to the storage medium, wherein the storage medium stores modules made in units for each function according to the control of the processing unit, and the processing unit uses the modules to pay monthly salaries, deposit accounts, and taxation of employees. The salary specification, which is a data, is stored in a database in the storage device, the monthly salary of the employees who deducted tax withheld based on the database is calculated, and payment of the amount including the salary and fee calculated above is made. Request from the business operator, receive credit card payment information including the calculated amount and credit card number from the business operator, and transmit the credit card payment information to the corresponding credit card company server to inquire for approval, and normally credit If the card is approved, each deposit account of the employee The benefit to other than the charge and drives by depositing program.

Preferably, the device of the present invention further comprises: an interface for inputting a monthly salary amount and a deposit account of the employee and a salary specification which is taxable data through the web.

More preferably, the apparatus of the present invention further includes an interface for selecting an employee who wants to pay the salary in the current month, and checking the total salary of the employee calculated accordingly, and paying the total salary with a credit card. It is configured.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the common or dictionary meanings, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

The present invention relates to a method of paying an employee's salary by credit card. In the present invention, the operator stores the salary specification in the server computer 10. Thereafter, according to this salary specification 20, the server computer 10 calculates the salary of the employee.

The operator accesses the server computer 10 on the salary day, checks the salaries of the employees automatically calculated, and pays the salary amount with the credit card 1. Then, the server computer 10 pays each employee's salary on behalf of the operator to the bank 30, and receives the paid amount including the agency fee from the credit card company in accordance with the credit operator's credit transaction.

On the other hand, as the salaries of the employees are calculated in the server computer 10, withholding tax is also automatically calculated. The employee is then paid an amount deducting this withholding tax. Meanwhile, the taxation information based on the withholding amount calculated above is transmitted to the server 40 of the tax office and the tax amount is reported.

2 is a diagram illustrating a server configuration for enabling the above-described present invention. In the present invention, the server computer 10 is connected to the agency server 50, on the other hand to the bank company server 70. The agency server 50 is connected to the card company server 60.

The agency server 50 receives the credit card payment information from the server computer 10, encrypts and transmits the credit card payment information to the corresponding card company server 60, or receives and processes the credit card payment information from the card company server 60. It provides a gateway for transmitting to the server computer (10). The agency server 50 encrypts the data completely between the server computer 10 for performing the credit card payment and the credit card company server 10 to enable secure credit card payment on the web. The device is provided by companies such as Danale.

The card company server 60 compares the received credit card payment information with the credit card information of the operator stored in the server 60 to determine whether to approve the authorization request, and returns the result to the agency server 50. In addition, for the approved approval request, the bank company server 70 requests and pays the deposit of the approved transaction amount to the merchant's deposit account.

The server computer 10 is programmed and stored in the storage device to perform the operations of the present invention described below, each module is called from the storage device in accordance with the command of the control device for controlling the overall operation of the server computer It works after being loaded into RAM. In addition, the storage device records the operator database 101, salary specification database 102, approval information database 113, withdrawal information database 112, payment information database 111, withholding database 121.

The operator database 101 stores information on a business place. If the individual stores a business name, a resident registration number, a business location, a phone number, a name, and, in the case of a corporation, a business name, a business registration number, a business location, a phone number, and a representative. Stores information such as Such information is preferably obtained while the operator applies the service of the present invention to the server computer 10.

The salary specification database 102 stores information that is a standard for calculating salaries of employees who work at the workplace. The salary specification database includes salaries paid on a monthly basis (or year) and taxes withheld (income tax and residence tax. It stores information such as the bank's savings account, employee's social security number, name, address, and telephone number, including the monthly salary and dependents required to calculate 10% of income tax. These informations are also obtained in the process of applying for the service of the present invention to the server computer 10 in the same manner as the service provider database.

The payment information database 111 stores information such as a credit card number, an expiration date, a password, a payment amount, and a digit after the resident registration number of the credit card owner. The operator pays the employee's salary to the credit card from the server computer 10. Stores the information needed to obtain credit authorization from the credit card company.

The authorization information database 113 includes an authorization number generated by the corresponding credit card company while approving a credit transaction according to the payment information, a card type, a credit card number, an expiration date, a transaction date, a payment method, a payment amount, an affiliate store name, Stores information such as merchant address.

The withdrawal information database 112 stores the details of the interbank transactions generated by paying the salary. The bank account, the withdrawal account, the password, the withdrawal amount, the deposit account of the bank with which the salary is withdrawn, such as the account holder, and the bank name for each employee Record the deposit account of the bank where the benefit is deposited, such as deposit account, deposit amount, depositor, and depositor.

The withholding database 121 stores information necessary to report the withholding details to the tax office, such as the sum of the income tax and the number of employees, the number of employees and the salaries and salaries paid to the employees, which are the withholding tax and tax. do. This information is obtained by calculating withholding deductions from monthly employee salaries.

In the configuration of FIG. 2, one computer is configured to operate as the server computer 10, but those skilled in the art will appreciate that the functionality may be distributed to a plurality of computers. In one example, server computer 10 is designed in a distributed fashion such that the database and each module are organized in separate units.

Then, the operation of the present invention configured as described above will be described using the accompanying drawings.

First, FIG. 3 is a flowchart schematically illustrating the overall flow of the present invention. Referring to this figure, a service provider uses a terminal 80 to access a server computer and preferably performs a login process. After that, while applying for the service of the present invention, salary specification information necessary for calculating salaries and taxes for each employee is stored in the database 102 (S11). A preferred embodiment of this information and the operator storing this information in the server computer 10 will be described later with reference to FIGS. 4 and 5.

And, on the salary day, the operator accesses the server computer 10 and checks how much the salary to be paid to employees this month based on the information (S12). The employee's salary is automatically calculated by the server computer 10 based on the salary specification 102 described above.

According to the calculated result, the operator pays the employee's salary with the credit card at the server computer 10 with the credit card (S13). The server computer 10 receives payment information such as the type of credit card, credit card number, expiration date, and payment amount from the operator, stores it in the database 111, and transmits the payment information to the agency server 50. . Then, the agency server 50 checks the credit card company from the payment information and transmits the payment information there.

When the credit card company server 60 is authorized according to the payment information, the server computer 10 deposits the salary into the employee's deposit account (S14). At this time, the salary sent to the employee's deposit account deposits only the actual salary withheld, and tax information including the withholding tax is simultaneously sent to the tax office server to report the tax.

Then, the server computer 10 withholds for each employee, and notifies the operator of the details of how much the salary paid to the employee is (S15).

4 is a flowchart illustrating a process of collecting information about a business operator and a salary specification for calculating a salary in the present invention, and FIG. 5 illustrates a user interface for inputting such information to a server computer through a web. An example is shown.

Referring to the figure, the operator connects to the server computer 10 using his terminal 80 (S21). The terminal may preferably be a personal computer, and alternatively, such as a PDA or a notebook computer may be used.

In the embodiment using the web, the terminal 80 is equipped with a web browser for receiving and interpreting an HTML document. The operator can operate the web browser to transmit the HTTP request to the server computer 10 and transmit various information to the server computer 10 through the HTML document. Hereinafter, the Example using this browser is described, for example.

The browser receives the web page from the server computer 10, codes the web page, and displays the web page on the display device of the terminal 80. The web page is a web page in a fillable form that allows salary specification information and business information to be entered into the server computer 10 as shown in FIG.

The operator enters the operator's information into this web page (S23). First, a box 911 is checked by dividing an individual or a corporation from item 91. In the reference numeral 92, a corporation name, a business registration number, a representative, a business location and a telephone number are filled in the respective boxes. The find button 921 allows the operator to easily enter the business location, the default address is automatically known according to the postal code, and the remaining details are written by the user directly in the box.

After entering the operator information, the operator next enters the salary specification information (S24). First, the operator inputs the number of employees in item 93, and clicks an input button 931. Then, the same items as the numbers 94 to 96 are provided on the web page according to the number of people. Next, after inputting the employee's name, address, and telephone number in item No. 94, a bank deposit account of the employee whose salary is paid in item No. 95 is input, and a bank, an account number, and an account holder are input. Finally, the monthly salary amount and the number of dependents, which are the basis for calculating income tax, are entered in the item 96.

 After the same number of items 94 to 96 described above are made in accordance with the number of employees, the operator clicks the send button 97 provided on the web page and transmits the entered information to the server computer 10 (S25).

The above-described web page is composed of all of one web page, but may be made of a different web page for each item.

The server computer receives the information (items 91 to 96 in FIG. 5) to check whether the information is correctly entered, and asks the operator to correct the missing or incorrect information (S261). .

When correctly described, the server computer 10 stores the operator information in the operator database 101 and the salary specification information in the salary specification database 102 (S27).

Next, with reference to Figs. 6 and 7, the service provider pays the employee with the credit card at the server computer 10 using the above-described information. FIG. 6 illustrates a process in which a server computer automatically calculates an employee's salary, and accordingly, automatically calculates a tax and pays the employee an amount deducted from it. FIG. An example of a user interface is shown.

The operator connects to the server computer 10 using the terminal 80 and receives a web page using a browser (S31, S32). This web page is shown in FIG. 7 and allows the calculation of the tax deducted from the salary.

In FIG. 7, server computer 10 reads salary specification database 102 from item 901 to show the employee and each employee's salary amount this month (before tax credit) and the number of dependents. Then, the operator selects the employee whose salary is to be paid from the item 901 and checks the box 901a. If it is necessary to correct the salary amount or the number of dependents, the corrected salary amount or the number of dependents is input in the other boxes 901b and 901c provided, and the correction button 901d is clicked. Then, the server computer reflects the modifications to the database 102 (S34).

Once the employees, salaries, and monthly salaries have been determined, the business operator clicks the tax calculation button 901e. Then, the server computer 10 calculates the income tax and residence tax withheld and displays it in item 902 (S35).

In the present invention, the income tax is calculated according to the simple income tax table for each year. For example, as of 2003, for an employee with a monthly salary of 2 million won and three dependents, the income tax withheld from salary is 29,120 won and 2,912 won, or 10% of this amount, is calculated as residence tax. Therefore, the amount deducted from the salary before the salary is paid is a total of 26,508 won.

Item 903 shows the actual salary deduction of the withholding tax calculated above (S36).

On the other hand, the reference numeral 904 item shows the amount to be paid by the operator to the server computer 10 on the basis of the actual payment amount calculated above, the amount is preferably included in the fee, a notice that informs the fact on the web page Is preferably posted on the web page as reference numeral 904a.

In one example, when the operator clicks the payment button 905 provided on the web page, the information of FIG. 7 is stored in the withholding database 121, while the operator pays the payment amount by credit card. It links to other web pages that allow you to make the necessary transactions on this web page.

The operator transmits payment information such as a payment amount, a credit card number, an expiration date, a password, and a social security number to the server computer 10 through this web page. Then, the server computer 10 transmits this payment information to the card company server 60 through the agency server 50 to inquire whether the approval (S37).

The card company server 60 determines whether to approve the payment amount based on the payment information (S38), generates approval information, and returns the approval information to the server computer 10. The server computer 10 receiving the approval information records the received approval information in the database 113, extracts the employee's deposit account from the salary specification database 102, and refers to the withholding database 121. In order to deposit the actual salary deduction of withholding tax to the deposit account (S39). Transactions generated between banks are stored in the withdrawal information database 112.

On the other hand, in the case where the payment of the salary is normally made, the server computer 10 extracts the tax amount for each employee stored in the withholding database 121, while the information of the withholding agent (here, the operator) is received from the operator database 101. Extract taxation information to obtain taxation information.

Then, the information is transmitted to the server of the tax office to report the withholding performance of the withholding agent to the tax office.

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto and is intended by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents of the claims to be described.

According to the present invention, it is possible to secure a transparent tax source by paying the wages by credit card, and from the operator's point of view, there is an effect that the cash flow can be more smoothly.

The following drawings attached to this specification are illustrative of preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention is a matter described in such drawings It should not be construed as limited to

1 is a conceptual diagram for explaining the present invention.

2 is a diagram illustrating a server configuration for enabling the above-described present invention.

3 is a flowchart illustrating the overall flow of the present invention.

4 is a flowchart illustrating a process of collecting information on a business operator and a salary specification for calculating salary in the present invention.

5 is a diagram illustrating an example of a user interface that allows a business operator to input such information to a server computer through the web.

FIG. 6 is a diagram illustrating a process in which a server computer automatically calculates an employee's salary, and accordingly, calculates a tax and automatically pays the employee the amount of money.

FIG. 7 is a diagram illustrating an example of a user interface for calculating an actual salary without tax.

* Brief description of the major symbols in the drawings *

10: server computer 50: agency server 60: card company server

70: bank company server 80: user terminal

Claims (6)

A service provider terminal requesting payment of a salary through a credit transaction, a server computer connected to the service provider terminal through a network and processing the request, a credit computer and a banking computer connected via the server computer and a communication network. Is to pay salaries through credit transactions. (a) Salary transfer such as business registration information, business information such as business name and number of employees to be paid from the business operator terminal, employee name, monthly salary of each employee, dependent family number and deposit account (deposit name, account number, etc.) Receiving information and storing the information in a database; (b) receiving a request for payment of salaries for specific employees from the operator terminal; (c) calculating, according to the request, the withholding amount per employee based on the monthly salary amount and the number of dependents, the actual salary amount per employee deducted from the withholding amount, and the total salary to be paid;  (d) receiving a credit payment request for the total salary (payment amount) from the operator terminal and receiving credit card information including a credit card number of the operator and an expiration date; (e) transmitting credit request information, including payment amount, credit card number, and expiration date, to a corresponding credit computer; (f) receiving authorization information according to the credit request from the credit computer; (g) extracting the actual salary for each employee and a bank account from the database according to the credit transaction approval, and requesting a transfer of the actual salary to a banking computer managing the bank account. . delete delete delete delete delete