KR100822841B1 - Financial van system which can grasp income of recipient - Google Patents

Abstract

A VAN(Value Added Network) system capable of checking the income of a wageworker is provided to enable a national tax office to check earned income of each wageworker correctly by enabling an ATM(Automated Teller Machine) of a working site to read cash card information and inform the national tax office of wedge details of each wageworker. An ATM(110) is installed in a working site, receives wedge information from an employer, and calculates a premium of unemployment, health, pension, and industrial disaster insurance when a wageworker inputs the employer. The ATM includes a card reader(112) reading information from a cash card of the wageworker, and a transmitter(114) transmitting bank information to receive wedge and transmitting cash card/premium information to a VAN server(130). The VAN server is connected to the ATM through the network(120) and transmits the cash card/premium information of the wageworker to a bank server(140). The bank server remits the wedge to an account of the wageworker based on the wedge information received from the employer, informs a national tax office of wedge details, collects the premium of each insurance of the wageworker, and informs the national tax office and each insurance cooperation of each premium collection result.

Description

Financial ban system to track beneficiaries' income {.}

The present invention relates to a financial van system that can grasp the beneficiary's income, which is held by the operator at the wage payment site, and is connected to a financial terminal capable of reading the beneficiary's bank cash card through the financial terminal and the communication network. Receiving the bank cash card information of the beneficiary read from the terminal, the banking bank server for transmitting the bank card information of the beneficiary to the bank server and the bank cash card information of the beneficiary of the financial van server to receive the beneficiary in the electronic banking method It is possible to determine the beneficiary's income, including the bank server that sends the salary to the IRS, sends the beneficiary's salary to the IRS in real time, or sends the beneficiary's salary to the IRS in a manner required by the IRS. And you can conveniently pay the four premiums of the operator, Using the office system will account for the financial van system that can determine the income of the recipient can easily transfer to the designated account.

In general, the IRS can determine the amount of earned income of workers. It is possible to find out how much income each person earns per year, and it was difficult to know the exact earned income of all citizens.

In particular, the daily worker does not record the salary paid in return for the work by moving the work place frequently, and does not know exactly how much the monthly earned income is for each worker. Could not.

In addition, in order to accurately check the amount of work income by daily workers, there was a problem that the person in charge directly finds the amount of income and inputs the amount of income to report to the IRS.

In addition, the government is enacting policies related to the four insurance integrated imposition and collection, and is in the process of establishing an integrated industrial complex, which requires a lot of administrative costs and administrative efforts when charging and collecting four premiums.

In addition, the government has introduced and implemented a business accounting system, which is gradually lowering the upper limit on the amount of eligible proof, and the business accounting system requires that all revenues and expenses related to the business be processed through business accounts that have been reported to the IRS. There is a problem that operators have conventionally abandoned cash payment practices to customers and visited banks or used Internet banking or telebanking to process business-related expenses through bank accounts.

An object of the present invention devised to solve the above problems, the financial van server receives the bank cash card information when the financial terminal held by the operator at the wage payment site receives the bank cash card information, the recipient The benefit amount is sent to the recipient's account by electronic banking method, and the amount of the beneficiary's benefit amount is notified to the IRS in real time or notified to the IRS in the manner required by the IRS, so that the beneficiary's income can be accurately identified by the beneficiary. It is to provide a financial van system that can be identified.

In addition, another object of the present invention is to provide a financial van system that can identify the beneficiary's income can prevent information input error, and reduce the administrative cost and effort because the beneficiary salary information is directly notified to the IRS. have.

In addition, another object of the present invention, operators and recipients can conveniently pay the four insurance and withholding tax amount using the financial terminal, the IRS can easily know the status of the four insurance payments of the operator and recipient In addition, it provides a financial van system that can identify the beneficiary's income, which reduces administrative costs related to the imposition and collection of the IRS and the four insurance integrated corporations.

In addition, another object of the present invention, the operator can conveniently and securely transfer money to the customer by using a personal financial terminal, it is possible to grasp the income of the beneficiary who can conveniently fulfill the obligation to use the business account and eligibility proof To provide a financial van system.

The financial van system that can grasp the income of the beneficiary according to the present invention as described above is held by the operator at the wage payment site, the financial terminal capable of reading the recipient's bank cash card, the financial terminal is connected through the communication network, Receiving the bank cash card information of the beneficiary read from the financial terminal, and receives the bank van card of the beneficiary's bank cash card information to the bank server and the bank cash card information of the beneficiary of the financial van server to the electronic banking method. It includes a bank server for remitting a salary to the account book of the beneficiary, and notifying the deposit of the beneficiary's salary to the IRS.

In addition, the financial terminal includes a card reader that accepts the recipient's bank cash card, and a transmission unit that reads the bank cash card accepted by the card reader and transmits the recipient's bank cash card information to the financial van server.

In addition, the financial van server is connected to the financial terminal and the communication network, and relays the communication with the bank server, receiving the bank cash card information of the beneficiary transmitted from the transmitter of the financial terminal, the bank cash card information of the beneficiary To the bank server.

In addition, the bank server may adopt a bank account deposit method as an electronic banking method, and report the deposit of the beneficiary's salary to the IRS in real time, or the deposit of the beneficiary's salary to the IRS in a manner required by the IRS.

In addition, the financial terminal outputs payment payments, withholding tax and four insurance payments for each individual and pays them to businesses and individuals.

In addition, the financial terminal, the salary amount of the individual is input by the operator, the four premiums of the operator and the individual is automatically calculated by the entered salary amount.

In addition, the financial van server receives the four insurance payments automatically calculated by the financial terminal and transmits to the bank server.

In addition, the bank server is linked to the integrated industrial complex system, and collects the four premiums and withholding tax amount of individuals and operators.

In addition, the bank server collects the four premiums and withholding taxes of individuals and operators collectively and transfers the remaining balances to the accounts of individuals and operators.

In addition, the bank server deposits the amount collected to the four insurance companies and the IRS, and electronically reports the insurance details and withholding tax paid by the individual to the four insurance companies and the IRS in real time.

In addition, the financial terminal is registered in advance with the account name of the business operator, business registration number, account account number and accounting account code.

In addition, the financial terminal automatically enters the account number of the account if the operator finds and selects the registered account name in advance when remitting to the account.

In addition, the financial terminal inputs the transaction amount to the remittance process to the account holder number corresponding to the selected account name.

In addition, in a system in which an operator pays a beneficiary, the financial terminal held by the operator at the wage payment site reads the recipient's bank cash card, and the financial van server receives the recipient's bank cash card information read by the financial terminal. Transmitting the received information to a bank server, the bank server receiving bank cash card information of the beneficiary sent by the financial van server and remitting a salary to the bank account of the beneficiary; It consists of a deposit notification to the IRS.

In addition, in the method of paying the four insurances using the terminal, the operator of the wage payment site pays the beneficiary to the beneficiary with the beneficiary's bank cash card, and the four premiums are automatically entered when the beneficiary's salary is input to the financial terminal. The bank server collects the beneficiary's 4 premiums and withholding tax in a batch, and pays the balance to the beneficiary by using a wire transfer, the wage payment amount and the 4 insurance payments at the financial terminal. And outputting the withholding tax amount and paying it to the beneficiaries, the bank server deposits the collected amount to the 4 Insurance Corporations and the National Tax Service, and reports the wage payment, the 4 premiums and the withholding amount to the relevant authorities in real time. It consists of steps.

In addition, in the method of remitting to a designated account using a financial terminal, the business operator registers the account name, business registration number, account number and accounting account code in advance in the financial terminal, the business operator at the time of transfer of the mobile phone number Selecting a customer by using a search, the step of inputting the account account number automatically to the financial terminal, the financial terminal comprises the step of remittance processing by inputting the transaction amount to the account account number corresponding to the selected account name.

According to the present invention as described above, the financial van server receives the bank cash card information when the financial terminal possessed by the operator at the wage payment site receives the bank cash card information, and the beneficiary's salary is received by the electronic banking system. Provides a financial van system that can identify the beneficiary's income so that the beneficiary's salary amount remitted to the bank account can be reported to the IRS in real time, or notified to the IRS in the manner required by the IRS, so that the beneficiary's income can be accurately identified by the beneficiary can do.

In addition, the present invention can provide a financial van system capable of identifying the beneficiary's income, which can prevent the information input error, because the beneficiary salary information is directly reported to the IRS.

In addition, the present invention, operators and beneficiaries can conveniently pay the four insurance and withholding tax amount using the financial terminal, the IRS can easily know the four insurance payment status of the operator and the recipient, It is possible to provide a financial van system that can identify the beneficiary's income to reduce administrative costs related to the imposition and collection of the four insurance integrated corporations.

In addition, the present invention provides a financial van system that enables the operator to conveniently and securely transfer money to a customer by using a personal financial terminal, and to grasp the income of the beneficiary who can conveniently fulfill the duty of using a business account and eligibility. Can provide.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the financial van system that can grasp the income of the recipient according to the present invention.

1 is a block diagram of a financial ban system that can determine the income of the recipient according to an embodiment of the present invention.

Referring to FIG. 1, the financial van system according to the present invention includes a financial terminal 110, a communication network 120, a financial van server 130, and a bank server 140.

The financial terminal 110 may be held by the operator at the wage payment site and read the recipient's bank cash card.

The beneficiary's bank cash card is used when the beneficiary receives a salary and preferably issued to the beneficiary in advance.

In other words, the bank cash card is used when the operator pays the daily wage to the beneficiary at the wage payment site.

In addition, the financial terminal 110 includes a card reader 112 and a transmitter 114.

The card reader 112 accepts the recipient's bank cash card.

The transmitter 114 reads the bank cash card accepted by the card reader 112, recognizes the bank cash card, and transmits the bank cash card information of the beneficiary to the financial van server 130.

The bank cash card information refers to the bank and the account number of the bank to be paid for each individual recipient.

The communication network 120 connects the financial terminal 110 and the financial van server 130.

The communication network 120 includes wired, wireless and high speed communication networks.

The financial van server 130 is connected to the financial terminal 110 and the communication network 120 and relays the communication with the bank server 140.

That is, the financial van server 130 is connected to the financial terminal 110 and the communication network 120, receives the recipient's bank cash card information read from the financial terminal 110, the recipient's bank cash card information Is transmitted to the bank server 140.

The bank server 140 receives the bank cash card information of the beneficiary of the financial van server 130 and transfers the salary to the bank account of the beneficiary in an electronic banking method. The bank server 140 adopts a bank account deposit method as an electronic banking method.

In addition, the bank server 140 notifies the receipt of the beneficiary's salary to the IRS in real time or the receipt of the beneficiary's salary to the IRS in a manner required by the IRS.

That is, the bank server 140 recognizes the beneficiary's bank cash card information and transfers the salary amount to the account of the beneficiary's bank cash card.

In addition, the bank server 140 notifies the deposit receipt of the salary remitted to the recipient's bank account.

2 is a flow chart of a financial ban system capable of determining the income of the recipient according to an embodiment of the present invention.

Referring to Figure 2, it can be seen how the operator pays the beneficiary is a daily worker.

First, the financial terminal 110 held by the operator in the wage payment site reads the recipient's bank cash card (step S210).

Then, the financial van server 130 receives the bank cash card information of the beneficiary read by the financial terminal 110, and transmits the received information to the bank server 140 (step S220).

Then, the bank server 140 receives the bank cash card information of the beneficiary sent by the financial van server 130 and transfers the salary to the bank account of the beneficiary (step S230).

Next, the bank server 140 notifies the IRS of the payment amount of the beneficiary's salary (step S240).

In other words, whenever the relevant salary is deposited into the recipient's account, the real-time deposit details are notified to the IRS, or the deposit details are notified to the IRS in the manner required by the IRS, so that the IRS can accurately grasp the amount of earned income for each beneficiary. Make sure

3 is a flowchart of a financial van system capable of paying four premiums according to an embodiment of the present invention.

Referring to Figure 3, it can be seen how to pay four insurances using a financial terminal.

First, the employer of the wage payment site pays the beneficiaries to the beneficiary's bank cash card (step S310).

The financial terminal 110 may be held by operators and individuals. It is also desirable to be able to print out payments, withholding taxes and four insurance payments for each individual.

Then, when the salary of the beneficiary is input to the financial terminal 110, the four premiums are automatically calculated (step S320).

The financial terminal 110 automatically calculates the four premiums of the operator and the individual by the entered salary amount when the operator enters the salary amount of the individual.

The four premiums and withholding taxes are a percentage of the benefit amount. In other words, the four insurance carrier contributions and worker contributions depend on the individual's salary. When an individual's salary is input to the financial terminal 110 by the operator and the individual, the operator's contribution and the worker's contribution and withholding tax amount of the four premiums are automatically calculated.

The financial van server 130 receives the four insurance payment amounts automatically calculated by the financial terminal 110 and transmits them to the bank server 140.

Next, the bank server 140 collects the four premiums and the withholding tax amount of the beneficiary among the beneficiaries' salaries, and pays the balance to the beneficiary using account transfer (step S330).

Next, the financial terminal 110 outputs the wage payment amount, the four insurance payment details and the withholding tax amount and pays them to the recipient (step S340).

Next, the bank server 140 deposits the collected amount to the four insurance companies and the National Tax Service, and reports the wage payment, the four premiums and the withholding amount to the relevant institution in real time (step S350).

In addition, the four major insurance payers, business owners and individual beneficiaries, should enter into a pre-contract with the Corporation to pay the four premiums and withholding tax.

4 is a flowchart of a financial van system capable of remitting a designated account according to an embodiment of the present invention.

Referring to Figure 4, it can be seen how to transfer to a specified account using the financial terminal 110.

First, the operator registers in advance the account name, business registration number, account number and accounting account code in the financial terminal 110 (step S410).

The financial terminal 110 is registered in advance with the account name of the business operator, business registration number, account book number and accounting account code.

Then, at the time of transfer of the account, the operator finds the account number and selects the account, and the account number is automatically input to the financial terminal 110 (step S420).

The financial terminal 110 automatically enters a bank account number when a business operator selects a business name when remitting to a customer.

Next, the financial terminal 110 inputs the transaction amount to the bank account number corresponding to the selected account name and transfers the transaction (step S430).

The present invention is not limited to the above-described preferred embodiments and can be easily modified by anyone of ordinary skill in the art without departing from the gist of the invention claimed in the claims, Such changes are intended to fall within the scope of the claims.

1 is a block diagram of a financial van system capable of determining the income of a recipient according to an embodiment of the present invention.

2 is a flow chart of a financial van system that can determine the income of the recipient according to an embodiment of the present invention

3 is a flowchart of a financial van system capable of paying four premiums according to an embodiment of the present invention.

4 is a flowchart of a financial van system capable of remitting a designated account according to an embodiment of the present invention.

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

110: financial terminal 112: card reader unit

114: transmitting unit 120: communication network

130: financial van server 140: bank server

Claims (16)

In a system in which a company pays a beneficiary, The cardholder unit held by the operator at the wage payment site, and can read the beneficiary's bank cash card, the card reader unit accepting the beneficiary's bank cash card, the bank cash card accepted by the card reader unit, and read the bank cash card. Receiving and receivable for each individual of the beneficiary, including the banking information and bank cash card information that is the account number of the bank to the banking server to send a payment, withholding tax, withholding tax and four insurances Print out the payment details and pay them to businesses and individuals, enter the salary amount of the individual by the operator, the four premiums of the operator and individual are automatically calculated by the entered salary amount, the business name of the operator, business registration number, Account number and accounting code are registered in advance, and when the pre-registered account name is selected, the transaction is automatically performed. A financial terminal for processing a bank account number to be input, and receiving a transaction amount and remitting the transaction to a bank account number corresponding to the selected account name; The bank terminal is connected to the financial terminal through a communication network, receives the bank cash card information of the beneficiary read by the financial terminal, transmits the bank cash card information of the beneficiary to a bank server, and is connected to the financial terminal and the communication network and is connected to the bank server. Relaying the communication with the receiver, receiving the bank card information of the beneficiary transmitted from the transmitter of the financial terminal, transmitting the bank card information of the beneficiary to the bank server, and paying the four insurances automatically calculated by the financial terminal. A financial van server for receiving the amount and sending the amount to the bank server; And, Receive the bank cash card information of the beneficiary of the financial van server and transfer the salary to the bank account of the beneficiary by electronic banking method, the deposit receipt of the beneficiary amount to the National Tax Service, and adopt the bank account deposit method as an electronic banking system, Report the beneficiary's salary to the IRS in real time, or report the deposit to the IRS in a manner required by the IRS, interworking with the integrated industrial system, and collectively paying the four premiums and withholding taxes of individuals and businesses Collects the four premiums and withholding taxes of individuals and businesses, transfers the remaining balances to the accounts of individuals and businesses, deposits the collected money to the four insurance companies and the IRS, and pays the individual's insurance Bank server for electronic real-time reporting of the details and withholding tax amount to the four insurance companies and the National Tax Service; Financial ban system that can determine the income of the recipient, characterized in that the configuration. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete

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