KR100976516B1 - Method for Processing Tax Payment using Virtual Account and Recording Medium - Google Patents

Abstract

The present invention relates to a tax payment processing method and system using a virtual account and a recording medium therefor. The tax payment processing method using a virtual account according to the present invention includes providing a list of subjects of tax payment to a financial institution by a tax management institution. A number of the virtual account number for tax payment by the financial institution server for tax payment target number provided to the tax management institution, a step of checking whether the tax is paid to the virtual account number at the financial institution server, and the result of the verification; If the tax is paid to the virtual account number, the financial institution server includes the step of notifying the tax management institution of the tax details paid to the virtual account number.

Virtual Account, Tax Payment

Description

Method for Processing Tax Payment using Virtual Account and Recording Medium}

1 is a diagram illustrating a tax payment virtual account opening system for opening a virtual account for tax payment according to an embodiment of the present invention.

2 is a view showing the configuration of a virtual account ledger for opening a virtual account for tax payment according to an embodiment of the present invention.

3 is a diagram illustrating a tax payment virtual account opening process for opening a virtual account for tax payment according to an embodiment of the present invention.

4 is a diagram illustrating a tax payment virtual account opening system for establishing a virtual account for tax payment according to another embodiment of the present invention.

5 is a view showing the configuration of a virtual account ledger for opening a virtual account for tax payment according to another embodiment of the present invention.

6 is a view illustrating a tax payment virtual account opening process for opening a virtual account for tax payment according to another embodiment of the present invention.

7 is a diagram illustrating a virtual account registration system for registering newly established tax payment virtual account information according to an embodiment of the present invention.

8 is a diagram illustrating an information registration process for registering newly opened tax payment virtual account information according to an embodiment of the present invention.

9 is a diagram illustrating an information registration system for registering selection information on some tax items to be paid among a plurality of tax payment notices according to an embodiment of the present invention.

10A and 10B illustrate an information registration process for registering selection information on some tax items to be paid among a plurality of tax payment notices according to an embodiment of the present invention.

11 is a diagram illustrating a face-to-face financial transaction system for tax payment of a taxpayer according to one embodiment of the present invention.

12 is a diagram illustrating a process of processing a financial transaction for tax payment of a tax payee in a face-to-face manner according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a non-face-to-face financial transaction system for tax payment of a tax payee according to an embodiment of the present invention.

14 is a diagram illustrating a process of processing a financial transaction for tax payment of a tax payee in a non-face-to-face manner in order to pay tax of the tax payee according to one embodiment of the present invention.

15A and 15B illustrate a process of processing a financial transaction for tax payment of a tax payee in a non-face-to-face manner in order to pay tax of a tax payee according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: virtual account opening server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

According to the present invention, when the tax management institution provides the list of tax paying subjects to the financial institution, the financial institution server provides the tax accounting institution with the virtual account number for the tax payment for each tax paying subject, and provides the tax management institution to the financial institution server. Checking whether the tax is paid to the virtual account number, and if the tax is paid to the virtual account number, notifying the tax management institution of the tax details paid to the virtual account number at the financial institution server. It relates to a tax payment processing method using a virtual account that includes.

Due to the development of modern society, various kinds of tax payment invoices issued by the state (or local government) to the citizens (or citizens) are being received, and taxpayers receive various tax payment invoices.

In this situation, the state (or local government) is in desperate need of measures for efficient management of tax payments.

In addition, when the taxpayer pays tax, the GCR collects the giro and scans the OCR code, etc., and therefore, a separate equipment and a place for scanning the OCR code are needed, and a separate manpower is required. have.

An object of the present invention for solving the above problems, means for providing a tax accounting institution by numbering the virtual account number for the tax payment for each tax payer, means for checking whether the tax is paid to the virtual account number and the confirmation As a result, when the tax is paid to the virtual account number, it provides a tax payment processing system using a virtual account including a means for notifying the tax management agency of the tax details paid to the virtual account number.

In the tax payment processing method using the virtual account according to the present invention, when the tax management institution provides a list of tax payees to the financial institution, the financial institution server numbers the virtual account number for tax payment by each tax payer on the financial institution server. And providing a tax payment to the virtual account number at the financial institution server, and if the tax is paid to the virtual account number at the financial institution server, the tax is paid to the virtual account number at the financial institution server. And the step of notifying the tax breakdown to the tax administration.

In the tax payment processing method using the virtual account according to the present invention, the virtual account number for the tax payment for each tax payment subject, characterized in that consisting of a plurality of numbers for each tax item to be paid.

On the other hand, the tax payment processing method using a virtual account according to the present invention, the number of the first virtual account number for paying a plurality of taxes for each tax payment subject in the server provided to the tax management institution, and to the tax payment subject When the plurality of tax payment bill information including the opened first virtual account information is provided, and the tax payer requests the tax payment for some of the provided plurality of tax payment bills, a server of the tax payee Providing a second virtual account number for partial tax payment to a tax management institution, and canceling the first virtual account number previously paid for the tax payer; The tax payment bill information including the second virtual account information is provided, and the The server confirms whether the amount deposited in the second virtual account matches the total sum of the partial payment request taxes selected by the person to whom the tax payment is made by the server by depositing the amount corresponding to the tax payment slip in the second virtual account number And a step of terminating the second virtual account at the server when the sum of the amount deposited in the second virtual account and the total sum of the partial payment request taxes selected by the taxpayers are matched. do.

In the tax payment processing method using the virtual account according to the present invention, if the tax payment target requests payment for the remaining tax in addition to the tax deposited in the second virtual account number, the tax payment target is requested by the server to pay the remaining tax. It characterized in that it further comprises the step of providing to the tax management agency by numbering the third virtual account number for.

On the other hand, it includes a computer-readable recording medium recording a program for executing the tax payment processing method using the above-described virtual account.

On the other hand, the tax payment processing system using a virtual account according to the present invention, the means for providing a tax management institution by numbering the virtual account number for tax payment by tax payment target person, and to check whether the tax is paid to the virtual account number Means and means for notifying the tax management institution of the tax details paid to the virtual account number when the tax is paid to the virtual account number.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

Hereinafter, the present invention is illustrated as an implementation method of granting one virtual account to one person who is taxed for convenience in order to explain the present invention in detail, but the present invention is not limited thereto, and is not an object of payment and is a virtual account for each item of tax payment. The numbers may be given, and the present invention is not limited thereto.

1 is a view showing a tax payment virtual account opening system for opening a virtual account for tax payment according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a system for creating a tax payment virtual account according to the present invention, when a predetermined tax management agency requests a tax payment virtual account to open a virtual account for tax payment through a face-to-face virtual account opening interface. In the system configuration for establishing a tax payment virtual account of a tax management account opened in the name of a predetermined tax management agency (for example, the IRS or a local government) as a parent account, specifically, the tax management agency virtually pays the tax payment. Visit a financial institution's window where you open an account, fill out a prescribed virtual account opening application form, and submit it to a teller. The teller's application requests a virtual account opening application corresponding to the virtual account opening application through a designated teller terminal. If the information is provided, the tax payment virtual account opening system according to the present invention The application method for opening a virtual account for the tax payment for opening a virtual account for the tax payment is provided to the tax payee.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for constructing a tax payment virtual account opening system for establishing a virtual account for tax payment. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention pertains may refer to and modify this drawing, and, in addition to a method of opening a virtual account having a tax management institution account as a parent account, a tax storage institution (eg, a financial institution). It is possible to infer a method of implementing a financial account of an institution, a post office, etc.) as a parent account, but the present invention is not limited thereto.

In addition, a person having ordinary technical knowledge in the art to which the present invention pertains may refer to and modify this drawing 1, and, upon request of opening a virtual account, may provide and process a plurality of taxpayer lists, thereby providing the present invention. It is not limited.

Hereinafter, the tax payment corresponding to the tax payment virtual account opening target based on the virtual account establishment application information provided from the tax management institution through a predetermined virtual account opening interface on the tax payment virtual account opening system shown in FIG. 1. Components corresponding to at least one or more means and / or functional configurations of opening a predetermined tax payment virtual account in the subject's name are referred to as "tax payment virtual account opening server 100" for convenience.

In addition, in the present invention, the financial account of the tax payment institution, which is the parent account of the virtual account opened through the tax payment virtual account opening system shown in FIG. 1, is referred to as a "tax management account" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a tax payment virtual account opening system for opening a virtual account for tax payment includes a teller terminal used by a teller provided with at least one financial institution. The counter terminal is connected to the communication channel and the tax payment virtual account opening server 100 provided on the tax payment virtual account opening system through a predetermined financial network.

According to an embodiment of the present invention, the tax management institution visits the financial institution to open a virtual account for paying the tax and pays the tax through a window provided to the financial institution (or through a teller). Prepare a virtual account opening application for opening a virtual account (e.g., a document with a form for filling in at least one item of information for opening a virtual account for tax payment) and / or the teller Visit the management agency and have the tax administration prepare a prescribed application for opening a virtual account for the opening of a virtual account for paying the tax) and submit the completed application for opening a virtual account to the teller. Enter (or select) the information entered in the virtual account opening application through a predetermined window terminal, Group window terminal preferably transmits the information of the input (or selected) on the tax virtual account opening server 100 provided on the tax virtual account opening system through the financial network.

Here, the teller terminal preferably comprises a terminal used by the teller staff provided in the financial institution, the tax payment virtual account opening server 100 is connected to the teller terminal is financed the tax payment virtual account is opened It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the tax payment virtual account opening server 100 is the communication between the teller terminal and the tax payment virtual account opening server 100 It is preferable to include a network for connecting the channels.

In the above-mentioned tax payment virtual account opening system, a virtual account opening application created by the tax management institution, a window terminal used by the counter staff, and the tax payment virtual account opening server 100 are connected to each other The financial network performs a function of a virtual account opening interface for registering the virtual account opening application information for the tax management institution to open the virtual account for the tax payment.

A financial institution that opens a tax payment virtual account for opening a virtual account for the tax payment to a predetermined taxpayer at the request of the tax management institution may include at least one financial transaction (eg, credit) for at least one financial transaction customer. , Receiving, foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). The financial transaction service provides a face-to-face financial transaction service for at least one financial transaction customer through a window terminal, and the financial transaction service includes a financial transaction service for opening a virtual account for tax payment through opening and operating a virtual account It is preferable to comprise a.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service pays the tax through opening and operating the virtual tax payment account. It is desirable to include a financial transaction service for opening a virtual account for the.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with access and browsing functions, and the financial transaction service is provided through opening and operating the virtual tax payment account. It is preferable to include a financial transaction service for opening a virtual account for paying the tax. The.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service is a financial transaction document for opening a virtual account for the tax payment through opening and operating the virtual tax payment account. It is preferable to comprise a bis.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction service, and the financial transaction service includes a financial transaction service for opening a virtual account for tax payment through opening and operating the tax payment virtual account. desirable.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smart phone, etc., wherein the financial transaction service opens a virtual account for the tax payment through opening and operating the virtual tax payment account. It is desirable to include a financial transaction service for the purpose.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service provides a financial transaction service for opening a virtual account for the tax payment by opening and operating the virtual tax payment account. It is preferable to include.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service opens a virtual account for the tax payment through opening and operating the tax payment virtual account. It is desirable to include financial transaction services.

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The tax payment virtual account opening server 100 provided on the tax payment virtual account opening system according to the present invention is a generic term for the component of the tax payment virtual account opening system side connected to the teller terminal through a predetermined financial network. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to the method of the present invention, the tax payment virtual account opening server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined virtual account opening interface to the window terminal through the financial network. .

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface unit 105 communicates with the teller terminal and a predetermined communication channel based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the tax payment virtual account opening program provided in the window terminal.

Referring to FIG. 1, when the predetermined payment terminal is connected to the tax payment virtual account opening server 100 through the interface unit 105, the interface unit 105 is connected to the tax payment virtual account opening server 100. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the window terminal to provide the window terminal with the window terminal; An information receiving unit 115 for receiving predetermined virtual account opening request information transmitted from the counter terminal through the user interface in connection with the interface unit 105 and the received virtual account opening request information; An information generation unit 120 for generating predetermined virtual account ledger information corresponding to a tax payment virtual account to be opened to the customer based on the And an information storage unit 125 configured to store the virtual account ledger information generated in association with the account ledger of the financial account corresponding to the tax management account linked to the tax payment virtual account in the ledger D / B on the system. It is characterized by.

The interface providing unit 110, when a predetermined window terminal is connected to the tax payment virtual account opening server 100 through the interface unit 105, the virtual account opening corresponding to the functional configuration provided in the window terminal Generate a predetermined user interface capable of inputting (or selecting) application information and transmitting it to the tax payment virtual account opening server 100 via the financial network, and / or extracting from a predetermined database (not shown), And providing the user interface generated (or extracted) in cooperation with the interface unit 105 to the window terminal through the financial network.

Thereafter, the counter terminal inputs (or selects) the virtual account opening application information based on the user interface, and opens the tax payment virtual account opening information on the input (or selected) virtual account opening application information through the financial network. Send to server 100.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user to provide a tax payment virtual account opening program provided in the teller terminal. It is preferable to generate (or extract) an interface and provide the generated user interface to the window terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) predetermined application information for opening a virtual account through the user interface at the window terminal and transmits it through the financial network, the information receiving unit 115 interworks with the interface unit 105 to provide the virtual account. Characterized in that to receive the establishment request information, and provides the received virtual account establishment application information to the information generating unit 120.

According to the implementation method of the present invention, the virtual account opening application information is a tax management agency information requesting the tax payment target person to open a tax payment virtual account for the virtual account opening for the tax payment, the tax payment subject information and Preferably, at least one tax management account information corresponding to the parent account associated with the virtual account.

Here, the tax management agency information requesting the taxpayer to open a virtual payment account for the tax payment to open the virtual account for the tax payment, the name of the tax administration agency, the name of the tax administration agency, information on the tax administration agency, tax It is preferable to include at least one or more management institution address.

In addition, the tax payment subject information, tax payment subject personal information (eg, tax payment subjects) for at least one tax payment subject (eg, national tax payment subject, local tax payment subject, etc.) to be collected by the tax administration. It is preferable that the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number and the tax payer's unique information (for example, electronic payment) assigned to the tax payer in the tax administration. Number, etc.) is preferable.

Further, the tax management account information associated with the virtual account is information corresponding to a tax management account corresponding to a real account linked to the tax payment virtual account in the name of the tax payer at the request of the tax administration institution. It is preferable to include at least one or more account number and account holder information for the tax management account already established in the ledger D / B on the system.

According to the embodiment of the present invention, the information receiver 115 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the virtual account opening includes checking whether a financial account corresponding to the tax management account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable.

The information generation unit 120 may provide predetermined virtual account ledger information to be provided in the tax payment virtual account opened under the name of the tax payment target person based on the virtual account opening application information received through the information receiving unit 115. The virtual account ledger information is to be included in the parent account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is the tax And at least one ledger information, which the payment subject should have in order to process the at least one financial transaction requested.

One of ordinary skill in the art has at least one ledger to be included in the account ledger (or a virtual account to be equipped to handle at least one or more financial transactions requested by the tax payer). Since you will be familiar with the information structure, a detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the tax payment virtual account is generated by the information generation unit 120, the information storage unit 125 manages the tax provided in the ledger D / B provided on the financial system. And generating a predetermined virtual account ledger associated with an account ledger corresponding to an account, and storing the generated virtual account ledger information in the virtual account ledger.

2 is a view showing the configuration of a virtual account ledger for opening a virtual account for tax payment according to an embodiment of the present invention.

In more detail, FIG. 2 corresponds to a tax management account provided in the ledger D / B 200 on the financial system for opening a virtual account for the tax payment in the tax payment virtual account opening system shown in FIG. As for the virtual account ledger that is linked to the account ledger, those skilled in the art to which the present invention pertains, the virtual account for opening a virtual account for tax payment by referring to and / or modified in this drawing 2 Various implementation methods for the ledger configuration may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, the virtual account ledger corresponding to the tax payment virtual account opened in the name of the tax payer for opening the virtual account for the tax payment is processed in connection with the account ledger corresponding to the tax management account. The account ledger corresponding to the tax management account is provided in the ledger D / B 200 in the financial system, and the account ledger corresponding to the tax management account is associated with the predetermined customer ledger corresponding to the tax management institution (for example, the National Tax Service or the local government) Characterized in that it is processed.

In this drawing 2 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the tax management agency (for example, IRS or local government), and includes a CIF (Customer Information File) number, a country code, a contact ID, a sales office number. , Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number , Postal address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, in this figure 2, the account ledger corresponding to the tax management account is linked to the customer ledger in a relational form, such as account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and other tickets. Balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest account It includes account ledger information including at least one of consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, account number corresponding to the account ledger, abstention (monthly), Write down the regular received information including at least one of a period (days), a period extension, an expiration date, and a target amount, and / or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information including one or more, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, It includes transaction history information including at least one of a date of origin, a bank account line, a brief summary, and a CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the tax management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial system. At least one ledger information to be included in the account ledger provided in the ledger D / B 200 (or virtual account must be equipped to process at least one or more financial transactions requested by the tax payer) It is preferable to comprise.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the tax The amount corresponding to the virtual balance of the payment, the actual balance of the virtual tax payment account is deposited in the tax management account. It is desirable.

Those skilled in the art to which the present invention pertains, in addition to the above-described virtual account ledger information will be familiar with the configuration of at least one ledger information to be included in the store virtual account ledger, a detailed description thereof is for convenience. Omit.

3 is a diagram illustrating a tax payment virtual account opening process for opening a virtual account for tax payment according to an embodiment of the present invention.

In more detail, in FIG. 3, in the tax payment virtual account opening system shown in FIG. 1, a predetermined customer pays the tax payment via a virtual account opening interface (for example, a virtual account opening application form, a counter terminal, and a financial network). When the account opening server 100 transmits the predetermined virtual account opening application information to the tax payment virtual account opening server 100, the tax payment virtual account opening server 100 registers the predetermined account opening application information on the basis of the virtual account opening application information As a process for opening a virtual tax payment account, those skilled in the art to which the present invention pertains, the virtual tax payment virtual to open a virtual account for tax payment by referring to and / or modified in the drawing 3 Various implementation methods of opening an account may be inferred, but the present invention encompasses all the implementation methods inferred above, as shown in FIG. It is not limited to the implementation method shown.

Hereinafter, in FIG. 3, the window terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the tax payment virtual account opening server 100 will be referred to as "server" for convenience.

Referring to FIG. 3, a tax management institution that wants to open a virtual tax payment account for the tax payee to open a virtual account for the tax payment prepares a predetermined virtual account open application form, and the completed virtual account open application form. When submitted, the terminal provides the virtual account establishment application information included in the virtual account establishment application to the server through the virtual account establishment interface (300).

Here, the virtual account opening interface preferably comprises a virtual account opening application form created by the customer, a window terminal used by the financial institution employee, and a financial network connecting the window terminal and the server.

According to the implementation method of the present invention, the virtual account opening application information is a tax management agency information requesting the tax payment target person to open a tax payment virtual account for the virtual account opening for the tax payment, the tax payment subject information and Preferably, at least one tax management account information corresponding to the parent account associated with the virtual account.

Here, the tax management agency information requesting the taxpayer to open a virtual payment account for the tax payment to open the virtual account for the tax payment, the name of the tax administration agency, the name of the tax administration agency, information on the tax administration agency, tax It is preferable to include at least one or more management institution address.

In addition, the tax payment subject information, tax payment subject personal information (eg, tax payment subjects) for at least one tax payment subject (eg, national tax payment subject, local tax payment subject, etc.) to be collected by the tax administration. It is preferable that the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number and the tax payer's unique information (for example, electronic payment) assigned to the tax payer in the tax administration. Number, etc.) is preferable.

The tax management account information associated with the virtual account is information corresponding to a tax management account corresponding to a real account linked to a tax payment virtual account of the name of the person to whom the taxpayer is to be charged at the request of the tax management institution, It is preferable to include at least one or more account number and account holder information for the tax management account already established in the ledger D / B (200) on the system.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby validating whether it is possible to open the tax payment virtual account to the tax payment subject. Check (305).

In this case, the validity of the virtual account opening is to confirm whether a financial account corresponding to the tax management account information included in the virtual account opening application information is opened as a real account in the ledger D / B 200 on the financial system. It is preferable to comprise.

If the validity to open the tax payment virtual account to the customer is not authenticated through the virtual account opening application information (310), the server fails to open the tax payment virtual account to the customer through the virtual account opening interface. Provide information (315) and stop opening the tax payment virtual account to the customer.

On the other hand, if the validity to open the tax payment virtual account to the customer is authenticated through the virtual account opening application information (310), the server pays the tax to be opened to the tax payment subject based on the virtual account opening application information In operation 320, virtual account ledger information of the name of the tax payee corresponding to the virtual account is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system (or the virtual account is subject to the tax payment) And at least one ledger information to be provided for processing at least one or more financial transactions requested.

One of ordinary skill in the art has at least one ledger to be included in the account ledger (or a virtual account to be equipped to handle at least one or more financial transactions requested by the tax payer). Since you will be familiar with the information structure, a detailed description thereof will be omitted for convenience.

Thereafter, the server includes an account ledger corresponding to a tax management account to be linked with a tax payment virtual account to be opened to the tax payer among at least one account ledger provided on the ledger D / B 200 on the financial system. Check (325).

If the account ledger corresponding to the tax management account to be associated with the tax payment virtual account to be opened to the tax payee is confirmed (330), the server is provided on the ledger D / B (200) on the financial system (335) a virtual account ledger of the name of the person to whom the taxpayers who are to be processed is linked to a ledger corresponding to the tax management account (335), and a ledger corresponding to the tax management account in the ledger D / B (200) The generated virtual account ledger information is stored in the virtual account ledger generated by the association process (340).

4 is a diagram illustrating a tax payment virtual account opening system for establishing a virtual account for tax payment according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates that a predetermined tax management agency requests to open a virtual account for tax payment through a virtual account opening interface including at least one non-face-to-face financial transaction channel. In the tax payment virtual account opening system according to the system configuration for establishing a tax payment virtual account having a tax management account opened in the name of a predetermined tax management agency (for example, IRS or local government) as a parent account, specifically When the tax management agency provides the predetermined virtual account opening application information using the virtual account opening interface according to the present invention through a predetermined tax management agency representative terminal corresponding to the non-face-to-face financial transaction channel, the tax payment virtual according to the present invention is virtual. The account opening system is based on the virtual account opening application information. The present invention relates to a method for establishing a tax payment virtual account for opening a virtual account for the tax payment in the name of a person who is already subject to tax payment.

Those skilled in the art will be able to refer to and / or modify the FIG. 4 to deduce various methods for configuring a virtual account opening system for tax payment for opening a virtual account for tax payment It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the tax management agency that transmits the virtual account opening application information is transmitted through a tax management agency representative terminal, or a tax management institution server (not shown) The transmission may also be performed by, but the present invention is not limited thereto.

Hereinafter, the tax payment corresponding to the tax payment virtual account opening target based on the virtual account establishment application information provided from the tax management institution through a predetermined virtual account opening interface on the tax payment virtual account opening system shown in FIG. 4. Components corresponding to at least one or more means and / or functional configurations of opening a predetermined tax payment virtual account to a subject are referred to as "tax payment virtual account opening server 400" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the tax payment virtual account opening system for opening a virtual account for tax payment includes the tax payment virtual account opening system for establishing a non-face-to-face tax payment virtual account opening. In the case of support, a predetermined tax management agency comprises (or selects) predetermined virtual account opening application information and comprises a tax management agency representative terminal for transmitting to the tax payment virtual account opening server 400. The terminal of the tax management authority is connected to a communication channel with the tax payment virtual account opening server 400 provided on the tax payment virtual account opening system through a predetermined network means.

According to an embodiment of the present invention, when the tax payment virtual account opening system supports the establishment of a non-face-to-face tax payment virtual account, the tax management institution may be a wired terminal connected to a predetermined wired network and / or a predetermined wireless network. Access the tax payment virtual account opening server 400 through at least one client terminal of a wireless terminal connected to a communication network, and pay the tax through at least one user interface provided by the tax payment virtual account opening server 400. When the user inputs (or selects) virtual account opening application information for opening a virtual account for the client, the tax payment virtual account opening server 400 provided on the tax payment virtual account opening system through a predetermined network means at the client terminal. It is desirable to send to.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

In addition, the client terminal outputs at least one user interface provided by the tax payment virtual account opening server 400, and inputs and / or selects at least one information through the user interface to open the tax payment virtual account. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the tax payment virtual account opening server 400, etc.) for transmission to the server 400 is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof is omitted for convenience. do.

In the tax payment virtual account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the tax administration institution, the client terminal and the tax payment virtual account opening server 400 The at least one wired network and / or wireless network to connect performs a function of a virtual account opening interface for the tax administration to register virtual account opening application information for opening a virtual account for paying the tax.

According to another exemplary embodiment of the present invention, when the tax payment virtual account opening system supports the establishment of a non-face-to-face tax payment virtual account, the tax management agency manager terminal may have a predetermined financial network (for example, a client terminal). A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the financial common network, and / or a predetermined public service. It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN), a voice over IP (VoIP) network, and / or a radio such as a mobile communication network or a wireless VoIP network. It further comprises a predetermined call terminal (not shown) connected to the telephone network, and / or provided in at least one or more institutions affiliated with the financial institution Horses (and / or servers) (not shown), whereby the invention is not limited.

In the case of supporting a non-face-to-face tax payment virtual account opening as described above, when the person in charge of the tax management agency is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (Not shown) and the financial network that connects the tax payment virtual account establishment server 400 is a virtual account establishment interface for registering the virtual account establishment application information for the tax management institution to establish a virtual account for the tax payment. And / or when the person in charge of the tax administration authority is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the tax payment virtual account opening server 400 Wired telephone network and / or wireless telephone network that connects the virtual account to the tax administration to open the virtual account for the tax payment. In the case of the terminal (and / or server) (not shown) provided to perform the function of the virtual account opening interface for registering the office information, and / or in the institution affiliated with the financial institution that is the terminal of the tax management agency, The network that connects the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the tax payment virtual account opening server 400 is configured by the tax authority to pay the tax. It performs the function of the virtual account opening interface for registering the virtual account opening application information for opening a virtual account for the user.

A financial institution that opens a tax payment virtual account for opening a virtual account for the tax payment to a predetermined taxpayer at the request of the tax management institution may include at least one financial transaction (eg, credit) for at least one financial transaction customer. , Receiving, foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction service for at least one financial transaction customer through a counter terminal, wherein the financial transaction service is a financial transaction service for opening a virtual account for tax payment through opening and operating the virtual tax payment account. It is preferable to comprise a.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service pays the tax through opening and operating the virtual tax payment account. It is desirable to include a financial transaction service for opening a virtual account for the.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with access and browsing functions, and the financial transaction service is provided through opening and operating the virtual tax payment account. It is preferable to include a financial transaction service for opening a virtual account for paying the tax. All.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service is a financial transaction for opening a virtual account for the tax payment through opening and operating the virtual tax payment account. It is made room for including service are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction service, and the financial transaction service includes a financial transaction service for opening a virtual account for tax payment through opening and operating the tax payment virtual account. desirable.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smart phone, etc., wherein the financial transaction service opens a virtual account for the tax payment through opening and operating the virtual tax payment account. It is desirable to include a financial transaction service for the purpose.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service provides a financial transaction service for opening a virtual account for the tax payment by opening and operating the virtual tax payment account. It is preferable to include.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service opens a virtual account for the tax payment through opening and operating the tax payment virtual account. It is desirable to include financial transaction services.

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The tax payment virtual account establishment server 400 which is provided on the tax payment virtual account establishment system according to the present invention is the tax payment virtual account establishment system side component connected to the tax management agency representative terminal through a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to the exemplary embodiment of the present invention, the tax payment virtual account opening server 400 is provided with an interface unit 405 for providing a predetermined virtual account opening interface to the tax management authority manager terminal through the network means. It features.

According to an embodiment of the present invention, when the tax authority representative terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 405 may be configured as described above. At least one piece of information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined tax payment virtual account opening program provided by the tax payment virtual account opening server 400, the interface unit 405 is the client terminal based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the tax authority representative terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 is based on a protocol stack defined in the wireless network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the tax payment virtual account opening program provided by the tax payment virtual account opening server 400 is provided in the client terminal, the interface unit 405 establishes a communication channel with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 4, the tax payment virtual account opening server 400 is connected to a tax payment virtual account opening server 400 by a predetermined tax management agency manager terminal through the interface unit 405. In operation 405, the tax management agency representative terminal generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information to the tax authority representative terminal. An information receiving unit for receiving a predetermined virtual account opening application information transmitted from the interface providing unit 410 and the interface unit 405 through the user interface from the person in charge of the tax administration authority through the user interface ( 415) corresponding to the tax payment virtual account to be opened to the customer based on the received virtual account opening application information. The information generation unit 420 for generating predetermined virtual account ledger information and the account ledger of the financial account corresponding to the tax management account associated with the tax payment virtual account in the ledger D / B on the financial system. And an information storage unit 425 for storing the generated virtual account ledger information.

The interface providing unit 410 is a function configuration provided in the tax management agency personnel terminal when a predetermined tax management agency personnel terminal connected to the tax payment virtual account opening server 400 through the interface unit 405. Correspondingly input (or select) the virtual account opening application information to generate a predetermined user interface capable of transmitting to the tax payment virtual account opening server 400 via the network means, and / or a predetermined database (shown in FIG. And extract the generated (or extracted) user interface in cooperation with the interface unit 405 to the tax management agency representative terminal through the network means.

Thereafter, the person in charge of the tax administration authority inputs (or selects) the virtual account opening application information based on the user interface, and pays the tax through the network means for the input (or selection) of the virtual account opening application information. Send to the virtual account opening server 400.

According to an embodiment of the present invention, when the tax management agency representative terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 410 is Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 405. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the tax management agency representative terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

The information receiving unit 415 inputs (or selects) predetermined virtual account opening application information through the user interface from the person in charge of the tax authority, and transmits it through the network means. The virtual account establishment request information is received, and the received virtual account establishment application information is provided to the information generation unit 420.

According to the implementation method of the present invention, the virtual account opening application information is a tax management agency information requesting the tax payment target person to open a tax payment virtual account for the virtual account opening for the tax payment, the tax payment subject information and Preferably, at least one tax management account information corresponding to the parent account associated with the virtual account.

Here, the tax management agency information requesting the taxpayer to open a virtual payment account for the tax payment to open the virtual account for the tax payment, the name of the tax administration agency, the name of the tax administration agency, information on the tax administration agency, tax It is preferable to include at least one or more management institution address.

In addition, the tax payment subject information, tax payment subject personal information (eg, tax payment subjects) for at least one tax payment subject (eg, national tax payment subject, local tax payment subject, etc.) to be collected by the tax administration. It is preferable that the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number and the tax payer's unique information (for example, electronic payment) assigned to the tax payer in the tax administration. Number, etc.) is preferable.

Further, the tax management account information associated with the virtual account is information corresponding to a tax management account corresponding to a real account linked to the tax payment virtual account in the name of the tax payer at the request of the tax administration institution. It is preferable to include at least one or more account number and account holder information for the tax management account already established in the ledger D / B on the system.

According to an embodiment of the present invention, the information receiving unit 415 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the virtual account opening includes checking whether a financial account corresponding to the tax management account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable.

The information generation unit 420 may provide predetermined virtual account ledger information to be provided in the tax payment virtual account opened under the name of the tax payment target based on the virtual account establishment application information received through the information receiving unit 415. The virtual account ledger information is to be included in the parent account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is the tax And at least one ledger information, which the payment subject should have in order to process the at least one financial transaction requested.

One of ordinary skill in the art has at least one ledger to be included in the account ledger (or a virtual account to be equipped to handle at least one or more financial transactions requested by the tax payer). Since you will be familiar with the information structure, a detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the tax payment virtual account is generated by the information generation unit 420, the information storage unit 425 is the tax management provided in the ledger D / B provided on the financial system A predetermined virtual account ledger associated with the account ledger corresponding to the account is generated, and the generated virtual account ledger information is stored in the virtual account ledger.

5 is a view showing the configuration of a virtual account ledger for opening a virtual account for tax payment according to another embodiment of the present invention.

In more detail, FIG. 5 corresponds to a tax management account provided in the ledger D / B 500 on the financial system for opening a virtual account for the tax payment in the tax payment virtual account opening system shown in FIG. 4. The virtual account ledger that is linked to the account ledger, and those skilled in the art to which the present invention pertains, a virtual account for opening a virtual account for tax payment by referring to and / or modifying the drawing 5 Various implementation methods for the ledger configuration may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, the virtual account ledger corresponding to the tax payment virtual account opened in the name of the tax payer for opening the virtual account for the tax payment is processed in association with the account ledger corresponding to the tax management account. It is characterized in that the ledger D / B (500) on the financial system, the account ledger corresponding to the tax management account is linked with a predetermined customer ledger corresponding to the tax management institution (for example, IRS or local government) Characterized in that it is processed.

In this figure 5 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the tax management agency (for example, the National Tax Service or the local government), and includes a CIF (Customer Information File) number, a country code, a contact person ID, a store number. , Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number , Postal address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, in this figure 5, the account ledger corresponding to the tax management account is linked to the customer ledger in relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI Balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transaction, interest rate account, It includes account ledger information that includes at least one of the following: linkage, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date. Write down the periodic receipt information including at least one of a period (days), a period extension, an expiration date, and a target amount, and / or an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger. Trust reception information including one or more, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction corresponding to the ledger It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the tax management account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial system. At least one ledger information to be included in the account ledger provided in the general ledger D / B 500 (or virtual account to be equipped to process at least one or more financial transactions requested by the tax payer). It is preferable to comprise.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the tax The amount corresponding to the virtual balance of the payment, the actual balance of the virtual tax payment account is deposited in the tax management account. It is desirable.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

6 is a diagram illustrating a tax payment virtual account opening process for establishing a virtual account for tax payment according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a client terminal including a predetermined virtual account opening interface (eg, at least one wired terminal and / or wireless terminal) in a tax payment virtual account opening system shown in FIG. 4. Network means, etc.), when the tax payment virtual account establishment server 400 transmits a predetermined virtual account establishment application information to the tax payment virtual account establishment server 400, the tax payment virtual account establishment server 400 transmits the information. Regarding the process of opening a predetermined tax payment based on the virtual account opening application information, the person having ordinary knowledge in the technical field to which the present invention belongs, will pay tax by referring to and / or modifying this figure 6. In order to open a virtual account for the purpose of inventing a variety of implementation methods to open the tax payment virtual account, but the present invention It includes both embodiments in which the inference method, not limited to the exemplary method shown in the figure 6.

Hereinafter, in FIG. 6, the tax management agency representative terminal shown in FIG. 4 is referred to as "terminal" for convenience, and the tax payment virtual account opening server 400 is referred to as "server" for convenience.

Referring to FIG. 6, a tax management institution that wants to open a tax payment virtual account to the tax payee for opening a virtual account for the tax payment accesses the server through the network means using the terminal. Request a virtual account opening interface for opening the tax payment virtual account to the server (600), and correspondingly, the server extracts (or creates) a virtual account opening interface for opening the tax payment virtual account and provides it to the terminal. (605).

Thereafter, the terminal inputs (or selects) predetermined virtual account opening application information through the virtual account opening interface, and then provides the virtual account opening application information to the server through a predetermined virtual account opening interface (610). .

Here, the virtual account opening interface is a predetermined terminal used by the tax management agency, network means for connecting the terminal and the server, and the server inputs predetermined virtual account opening application information from the terminal to the server. It is preferable to include a user interface for.

According to the implementation method of the present invention, the virtual account opening application information is a tax management agency information requesting the tax payment target person to open a tax payment virtual account for the virtual account opening for the tax payment, the tax payment subject information and Preferably, at least one tax management account information corresponding to the parent account associated with the virtual account.

Here, the tax management agency information requesting the taxpayer to open a virtual payment account for the tax payment to open the virtual account for the tax payment, the name of the tax administration agency, the name of the tax administration agency, information on the tax administration agency, tax It is preferable to include at least one or more management institution address.

In addition, the tax payment subject information, tax payment subject personal information (eg, tax payment subjects) for at least one tax payment subject (eg, national tax payment subject, local tax payment subject, etc.) to be collected by the tax administration. It is preferable that the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number and the tax payer's unique information (for example, electronic payment) assigned to the tax payer in the tax administration. Number, etc.) is preferable.

Further, the tax management account information associated with the virtual account is information corresponding to a tax management account corresponding to a real account linked to the tax payment virtual account in the name of the tax payer at the request of the tax administration institution. It is preferable to include at least one or more account number and account holder information for the tax management account already established in the ledger D / B 500 on the system.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby confirming whether the tax payment virtual account can be opened to the customer. (615).

Here, the validity of the virtual account opening is to confirm whether a financial account corresponding to the tax management account information included in the virtual account opening application information is opened as a real account in the ledger D / B 500 on the financial system. It is preferable to comprise.

If the validity to open the tax payment virtual account to the customer is not authenticated through the virtual account opening application information (620), the server fails to open the tax payment virtual account to the customer through the virtual account opening interface. Provide information (625) and stop opening the tax payment virtual account to the customer.

On the other hand, if the validity to open the tax payment virtual account to the customer through the virtual account opening application information is authenticated (620), the server pays the tax to be opened to the tax payment subject based on the virtual account opening application information In operation 630, virtual account ledger information of the name of the tax payer corresponding to the virtual account is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 500 provided on the financial system (or the virtual account is subject to the tax payment) And at least one ledger information which must be provided for the processing of at least one financial transaction requested by the bank.

One of ordinary skill in the art has at least one ledger to be included in the account ledger (or a virtual account to be equipped to handle at least one or more financial transactions requested by the tax payer). Since you will be familiar with the information structure, a detailed description thereof will be omitted for convenience.

Thereafter, the server may include an account ledger corresponding to a tax management account to be linked with a tax payment virtual account to be opened to the tax payer among at least one account ledger provided on the ledger D / B 500 on the financial system. Check (635).

If the account ledger corresponding to the tax management account to be associated with the tax payment virtual account to be opened to the tax payee is confirmed (640), the server is provided on the ledger D / B (500) on the financial system Create a virtual account ledger of the name of the tax payable subject that is processed in association with the account ledger corresponding to the tax management account (645), the ledger D / B (500) on the financial system and the account ledger corresponding to the tax management account; The generated virtual account ledger information is stored in the virtual account ledger generated by the association process (650).

7 is a diagram illustrating a virtual account registration system for registering newly established tax payment virtual account information according to an embodiment of the present invention.

In more detail, in FIG. 7, a predetermined financial institution server 735 accesses a virtual account registration server 700 on a tax management system through predetermined network means to register the newly opened tax payment virtual account information. Information, a plurality of virtual account information, and tax payment virtual account information including at least one or more tax payment subject information for paying taxes as the virtual account information, the virtual institution registration server 700 provides the financial institution server ( A virtual account provided on the tax management system with tax payment virtual account information including at least one or more financial institution information, a plurality of virtual account information, and tax payee information for paying taxes as the virtual account information provided from 735. The present invention relates to a virtual account registration system configured to process and store the management D / B 730 in association. Those skilled in the art will be able to infer various implementation methods for the configuration of the virtual account registration system for registering the newly opened tax payment virtual account information by referring to and / or modifying the drawing of FIG. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more financial institution information provided from the financial institution server 735, a plurality of virtual account information, and tax payment subject information to pay tax with the virtual account information on the virtual account registration system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for storing tax paying virtual account information in the virtual account management D / B 730 are referred to as " virtual account registration server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a virtual account registration system for registering newly opened tax payment virtual account information according to the present invention includes at least one financial institution server 735 connected to a predetermined network means. And the tax payment virtual account information including at least one of financial institution information transmitted from the financial institution server 735, a plurality of virtual account information, and tax payment target information for paying taxes as the virtual account information. The virtual account management D / B 730 for storing, and the financial institution server 735 are connected to the financial institution server 735 through a predetermined network means, and the financial institution information, the plurality of virtual account information, and the virtual account transmitted through the network means. The virtual system is received by receiving tax payment virtual account information including at least one information on the subject of tax payment to pay taxes as information. Characterized in that it comprises a virtual account registration server 700 for storing in association with the left management D / B (730).

The financial institution server 735 opens a virtual account for requesting to open a virtual account for each taxpayer from a tax management institution having the virtual account registration server 700 to the virtual account opening server shown in FIG. 1 or 4. When the application information is transmitted, after opening a virtual account for each tax payment subject corresponding to the virtual account opening application information, the opened plurality of virtual account information is transmitted to the virtual account registration server 700. .

The virtual account management D / B 730 provided on the tax management system according to the present invention pays taxes with financial institution information, a plurality of virtual account information, and the virtual account information transmitted from the financial institution server 735. Characterized in that the tax payment virtual account information including at least one or more tax payment target information to be processed by storing.

The financial institution information is requested by the tax management institution to open a virtual account for each tax payment subject, and a plurality of tax payment virtual accounts are opened and processed according to the request for opening the virtual account, and the virtual account for the opened tax payment virtual account is processed. It is preferable to include at least one of the name of the financial institution providing the information, the name of the representative of the financial institution (or the name of the person in charge of the financial institution), the address of the financial institution's main office (or a branch / office).

The plurality of virtual account information is requested by the tax management institution to open a virtual account for each tax payment subject, and in accordance with the request to open the virtual account to open a plurality of tax payment virtual accounts for the opened tax payment virtual account It is characterized by including the account number (or financial account alias, etc.).

The tax payee information for paying the tax with the virtual account information includes taxpayer personal information for at least one tax payer (eg, national tax payer, local tax payer, etc.) that the tax administration should collect the tax. For example, it is preferable that the tax payment subject name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number assigned to the tax payer in the tax administration institution, the tax payer unique information (E.g., an electronic payment number, etc.) is preferable.

According to an embodiment of the present invention, the virtual account registration server 700 pays taxes with financial institution information, a plurality of virtual account information, and the virtual account information transmitted from the financial institution server 735 connected through the network means. An information receiving unit 705 (or information receiving means) for receiving tax payment virtual account information including at least one tax payment target information, and the received financial institution information, a plurality of virtual account information, and the virtual account information. Validation unit 705 (or validation means) for verifying the validity of the tax payment virtual account information including at least one or more tax payment subject information to pay taxes, and the validity (or the received) financial At least one or more institution information, a plurality of virtual account information, tax payment subject information for paying taxes with the virtual account information The gold virtual payment account information of the virtual account management D / B information storage unit 715 that stores the processing associated with the (730) provided with a (or information storage medium) is characterized in that formed.

The information receiving unit 705 includes at least one tax payment virtual account including predetermined financial institution information, a plurality of virtual account information, and tax payment subject information for paying the tax with the virtual account information in the financial institution server 735. And when the information is transmitted through the network means, receiving the tax payment virtual account information including at least one of the financial institution information, the plurality of virtual account information, and the tax payment subject information to pay the tax with the virtual account information. The validity checking unit 705 includes tax payment virtual account information including at least one of the received financial institution information, a plurality of virtual account information, and tax payment target information for paying taxes using the virtual account information. Information storage unit 715).

The validity checking unit 705 includes at least one tax payment virtual information including financial institution information received from the financial institution server 735, a plurality of virtual account information, and tax payment subject information for paying taxes with the virtual account information. Characterizing the validity of the account information.

According to the implementation method of the present invention, validation of the plurality of virtual account information received from the financial institution server 735 is provided on the financial institution server 735 in association with the financial institution server 735. It is preferable to check the validity by requesting whether the ledger D / B has an account ledger for the virtual account.

In addition, the validity of the tax payment target information received from the financial institution server 735, the tax payment target information is a tax management information on the tax management D / B (not shown) the management company in the tax management institution server It is advisable to check the validity by making sure that.

The information storage unit 715 may provide tax payment subject information for paying taxes to the financial institution information, the plurality of virtual account information, and the virtual account information whose validity is confirmed (or received through the information receiving unit 705). The tax payment virtual account information including at least one or more is characterized in that stored in the virtual account management D / B (730).

The financial institution information is requested by the tax management institution to open a virtual account for each tax payment subject, and a plurality of tax payment virtual accounts are opened and processed according to the request for opening the virtual account, and the virtual account for the opened tax payment virtual account is processed. It is preferable to include at least one of the name of the financial institution providing the information, the name of the representative of the financial institution (or the name of the person in charge of the financial institution), the address of the financial institution's main office (or a branch / office).

The plurality of virtual account information is requested by the tax management institution to open a virtual account for each tax payment subject, and in accordance with the request to open the virtual account to open a plurality of tax payment virtual accounts for the opened tax payment virtual account It is characterized by including the account number (or financial account alias, etc.).

The tax payee information for paying the tax with the virtual account information includes taxpayer personal information for at least one tax payer (eg, national tax payer, local tax payer, etc.) that the tax administration should collect the tax. For example, it is preferable that the tax payment subject name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number assigned to the tax payer in the tax administration institution, the tax payer unique information (E.g., an electronic payment number, etc.) is preferable.

According to an embodiment of the present invention, the virtual account registration server 700 is issued to the tax payment subject based on the received plurality of virtual account information and tax payment subject information corresponding to each of the plurality of virtual account information. Information generating unit 720 (or information generating means) for generating tax payment bill information to be output to the tax payment bill to be issued, and the device for issuing a bill in the tax payment bill to issue the generated tax payment bill information to the tax payees It is characterized in that the bill issuance unit 725 (or bill issuance means) for issuing a bill in connection with the.

When there is a tax payment notice to be issued to the tax payee, the information generation unit 720 generates tax payment notice information based on the tax data for the tax payment notice.

Here, the tax payment notice information is a taxpayer's name, taxpayer's address, accounting, subjects, old and new, year, mood, classification, institution, sword, bill, dong, control number, inspection, including the item number, delivery date and delivery date It is preferable to include at least one or more of the following amount, electronic payment number, taxation information (for example, car-related tax, vehicle number, information of the target property, etc.), virtual account number, and the like.

The bill issuing unit 725 outputs a tax payment bill including the tax payment bill information through a predetermined bill issuing device when the tax payment bill information is generated through the information generating unit 720. The tax payment notice is provided (or shipped) to the customer.

8 is a diagram illustrating an information registration process for registering newly opened tax payment virtual account information according to an embodiment of the present invention.

In more detail, FIG. 8 shows that the financial institution server 735 on the virtual account registration system shown in FIG. 7 registers the newly created tax payment virtual account information with the virtual account registration server 700 through a predetermined network means. If the financial institution information, a plurality of virtual account information, tax payment virtual account information including at least one or more tax payment target information to pay taxes to the virtual account information is transmitted, the virtual account registration server 700, the financial A process of linking and processing tax payment virtual account information including at least one of institution information, a plurality of virtual account information, and tax payee information for paying taxes as the virtual account information, and storing the same in virtual account management D / B 730; As those skilled in the art to which the present invention pertains, those skilled in the art can refer to and / or modify this drawing to make new developments. The would be taxes be paid to infer various exemplary methods for the information registration process for the virtual account information registration, the present invention includes all embodiments how the inference, shall not be limited to the exemplary method shown in the figure 8.

Referring to FIG. 8, the financial institution server 735 on the virtual account registration system shown in FIG. 7 accesses the virtual account registration server 700 through the network means to register newly established tax payment virtual account information. The communication channel for connecting (800).

According to an embodiment of the present invention, the communication channel connection process may include at least a process of logging in to the server from the financial institution server 735, a security setting process for solving a problem that may occur during communication through a communication channel, and the like. It is preferable to further include one or more, in the process, the customer information corresponding to the financial institution server 735 is extracted (or obtained).

Thereafter, the financial institution server 735 pays at least one tax payment target information including the financial institution information, the plurality of virtual account information, and the tax payment subject information to the server through the communication channel. Validation of the virtual account information to transmit the virtual account information (805), the tax payment virtual account information including at least one or more of the received financial institution information, a plurality of virtual account information, tax payment subject information to pay taxes in the virtual account information Check (810).

According to the implementation method of the present invention, validation of the plurality of virtual account information received from the financial institution server 735 is provided on the financial institution server 735 in association with the financial institution server 735. It is preferable to check the validity by requesting whether the ledger D / B has an account ledger for the virtual account.

In addition, the validity of the tax payment target information received from the financial institution server 735, the tax payment target information is validated by the manager in the tax management agency server whether the taxpayer information on the tax management D / B It is desirable to check.

If the validity of the tax payment virtual account information including at least one or more financial institution information, a plurality of virtual account information, and tax payee information for paying taxes with the virtual account information is not verified (815), the server Generates (or extracts) the information registration error information and transmits the information registration error information to the financial institution server 735 (820), and then terminates the process.

On the other hand, if the validity of the tax payment virtual account information including at least one or more information including financial institution information, a plurality of virtual account information, tax payment subject information to pay the tax in the virtual account information is confirmed (815), the server Virtual account management D shown in FIG. 7 by linking the received financial institution information, a plurality of virtual account information, tax payment virtual account information including at least one or more information of the subject of the tax payment to pay taxes with the virtual account information Save to / B (730) (825).

The financial institution information is requested by the tax management institution to open a virtual account for each tax payment subject, and a plurality of tax payment virtual accounts are opened and processed according to the request for opening the virtual account, and the virtual account for the opened tax payment virtual account is processed. It is preferable to include at least one of the name of the financial institution providing the information, the name of the representative of the financial institution (or the name of the person in charge of the financial institution), the address of the financial institution's main office (or a branch / office).

The plurality of virtual account information is requested by the tax management institution to open a virtual account for each tax payment subject, and in accordance with the request to open the virtual account to open a plurality of tax payment virtual accounts for the opened tax payment virtual account It is characterized by including the account number (or financial account alias, etc.).

The tax payee information for paying the tax with the virtual account information includes taxpayer personal information for at least one tax payer (eg, national tax payer, local tax payer, etc.) that the tax administration should collect the tax. For example, it is preferable that the tax payment subject name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number assigned to the tax payer in the tax administration institution, the tax payer unique information (E.g., an electronic payment number, etc.) is preferable.

Thereafter, the virtual account registration server 700 generates tax payment bill information corresponding to the tax payment virtual account information received from the financial institution server 735 (830), and corresponds to the generated tax payment bill information. The tax payment notice is printed and provided to the tax payer (835).

Here, the tax payment notice information is a taxpayer's name, taxpayer's address, accounting, subjects, old and new, year, mood, classification, institution, sword, bill, dong, control number, inspection, including the item number, delivery date and delivery date It is preferable to include at least one or more of the following amount, electronic payment number, taxation information (for example, car-related tax, vehicle number, information of the target property, etc.), virtual account number, and the like.

9 is a diagram illustrating an information registration system for registering selection information on some tax items to be paid among a plurality of tax payment notices according to an embodiment of the present invention.

In more detail, in FIG. 9, a server on a tax management system is configured by a predetermined client terminal 955 (or an employee terminal) through predetermined network means to register selection information on some tax items to be paid among the plurality of tax payment bills. When the terminal provides tax payment selection information including at least one tax payment target information and a plurality of payment target tax item information, the server may provide the tax payment target information provided from the client terminal 955 (or an employee terminal). The information registration system is configured to store and process the tax payment selection information including at least one item of tax information subject to payment in association with the virtual account management D / B 945 provided on the tax management system. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing. It will be possible to infer various implementation methods for the configuration of the information registration system for registering the selection information for some of the tax items to be paid out of the plurality of tax payment bills, the present invention includes all the implementation methods inferred It is not limited to the implementation method shown in FIG.

Hereinafter, the tax payment selection information including at least one tax payment subject information and a plurality of payment target tax item information provided from the client terminal 955 (or an employee terminal) on the information registration system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for storage in the virtual account management D / B 945 are referred to as " information registration server 900 " for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, an information registration system for registering selection information on some tax items to be paid among a plurality of tax payment notices according to the present invention may include at least one or more connected to a predetermined network means. Link the client terminal 955 (or employee terminal) with tax payment selection information including at least one tax payment subject information transmitted from the client terminal 955 (or employee terminal) and a plurality of payment target tax item information. The virtual account management D / B 945 for processing and storing, and the client terminal 955 (or the employee terminal) are connected through a predetermined network means, tax payment subject information transmitted through the network means, a plurality of Receive tax payment selection information including at least one item of payment tax information and send the same to the virtual account management D / B 945. Characterized in that it comprises an information registration server 900 for storing the cooperative process.

The client terminal 955 (or employee terminal) may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL)). And / or at least one wired terminal including a desktop computer and / or laptop connected to the information registration server 900 via a cable communication network, and / or based on Code Division Multiple Access (CDMA). A mobile communication terminal connected to a mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / or a portable internet terminal connected to an IEEE 802.16x based high speed wireless internet, and / or an IEEE 802.11x based wireless And at least one wireless terminal including at least one wireless LAN terminal connected to a LAN communication network. The client terminal 955 (or the employee terminal) outputs at least one virtual account number inquiry and reassignment interface screen provided by the information registration server 900, and at least through the virtual account number inquiry and reassignment interface screen. A function configuration (eg, a browser program and a communication function) for inputting and / or selecting one or more pieces of information and transmitting the selected information to the information registration server 900 is preferably provided.

Those skilled in the art will be able to easily infer the characteristics of the client terminal 955 (or employee terminal) corresponding to at least one or more wired terminals and / or wireless terminals. Detailed description thereof will be omitted for convenience.

When the client terminal 955 (or employee terminal) is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP based wired communication network, and the client terminal 955 (or If the employee terminal) is a wireless terminal, the network means includes at least the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN network. It is preferable to include one or more.

The virtual account management D / B 945 provided on the tax management system according to the present invention includes at least tax payment target information and a plurality of payment target tax item information transmitted from the client terminal 955 (or employee terminal). Characterized in that the one or more tax payment selection information comprising the processing to store.

The tax payee information for paying the tax with the virtual account information includes taxpayer personal information for at least one tax payer (eg, national tax payer, local tax payer, etc.) that the tax administration should collect the tax. For example, it is preferable that the tax payment subject name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number assigned to the tax payer in the tax administration institution, the tax payer unique information (E.g., an electronic payment number, etc.) is preferable.

The plurality of payable tax item information may include tax item information (eg, electronic payment number, selected by a tax payer who wants to pay a part of the plurality of payable taxes when the tax payer has a plurality of taxes to be paid). Tax name, tax management code, taxation date, due date, amount of money, etc.).

According to an embodiment of the present invention, the information registration server 900 is configured to provide a web interface corresponding to the client terminal 955 (or employee terminal) and network means, through the network means, to the client terminal 955. (Or an employee terminal) and an interface unit 905 (or interface means) for connecting and managing a predetermined communication channel, whereby the information registration server 900 is the client terminal (955). (Or employee terminal) and a web server functioning to communicate via wired and / or wireless communication network.

According to an exemplary embodiment of the present invention, when the client terminal 955 (or an employee terminal) is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 905 may include the client terminal ( 955 (or employee terminal) connects a predetermined communication channel based on HTTP (Hyper-Text Transfer Protocol) protocol, and HTML (Hyper-Text) to the client terminal 955 (or employee terminal) through the communication channel. Markup Language) transmits and outputs the virtual account number inquiry and reassignment interface screen and / or information providing screen in a compatible document form, and the virtual account number inquiry and reassignment interface screen from the client terminal 955 (or employee terminal). Tax payment selection information including at least one predetermined tax payment target information and a plurality of payment target tax item information input (or selected) through To carry out the function of new processes are preferred.

According to another exemplary embodiment of the present invention, when the client terminal 955 (or an employee terminal) is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 905 is the client terminal 955. (Or an employee terminal) and a predetermined communication channel based on a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, and to the client terminal 955 (or employee terminal) through the communication channel. Sending and outputting a virtual account number inquiry and re-applying interface screen and / or information providing screen in WML (Wireless Markup Language) and / or HTML compatible document form, and outputting the virtual account from the client terminal 955 (or employee terminal). At least one predetermined tax payment target information and a plurality of payment target tax item information corresponding to the number inquiry and re-entry interface screen To carry out the function of receiving the processing selection information to pay gold are preferred.

According to another exemplary embodiment of the present invention, when the client terminal 955 (or an employee terminal) is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 905 may include the client. A terminal 955 (or an employee terminal) is connected to a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and a predetermined communication channel is connected to the client terminal 955 (or an employee terminal) through the communication channel. Sends and outputs a virtual account number inquiry and reassignment interface screen and / or an information providing screen, and pays a predetermined tax corresponding to the virtual account number inquiry and reassignment interface screen from the client terminal 955 (or employee terminal) Performs a function of receiving and processing tax payment selection information including at least one subject information and a plurality of tax object information. And / or when the client terminal 955 (or employee terminal) is a wireless terminal to which a communication channel is connected via an IEEE 802.11x based wireless communication network, the interface unit 905 may be configured as the client terminal ( 955 (or employee terminal) connects a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and a predetermined virtual account to the client terminal 955 (or employee terminal) through the communication channel. Transmitting and outputting a number inquiry and reassignment interface screen and / or an information provision screen, and predetermined tax payment subject information corresponding to the virtual account number inquiry and reassignment interface screen from the client terminal 955 (or employee terminal) And receiving and processing tax payment selection information including at least one piece of tax object information. desirable.

Referring to FIG. 9, the information registration server 900 is connected to the information registration server 900 when a predetermined client terminal 955 (or an employee terminal) accesses the information registration server 900 through the interface unit 905. In operation 905, the client terminal 955 (or the employee terminal) inputs (or selects) and transmits tax payment selection information including at least one of predetermined tax payment target information and a plurality of payment target tax item information. An interface providing unit 910 (or interface providing means) for generating (or extracting) and providing a predetermined virtual account number inquiry and reassigning interface screen, and the client terminal 955 in association with the interface unit 905. (Or employee terminal) tax payment subject information and a plurality of payment units that are input (or selected) transmitted through the virtual account number inquiry and re-grant interface screen And an information receiving unit 915 (or information receiving means) for receiving tax payment selection information including at least one tax item information, and at least one of the received tax payment object information and a plurality of payment object tax item information. Validity of the virtual account information newly established in response to the tax payment selection information including the at least one or more of the received tax payment target information and the plurality of payment target tax item information; When the validity confirming unit 925 (or validating means) for confirming and the tax payment selection information including at least one or more of the tax payment target information and the plurality of tax target information is received, the previously established tax payment The virtual account opening processing unit 920 (or opening a separate virtual account other than the virtual account for processing) (or The account opening process means) and the virtual account information for the newly opened tax payment virtual account in association with the tax payment subject information and stored in the virtual account management D / B 945, or tax payment subject information; And an information storage unit 930 (or information storage means) for storing the tax payment selection information including at least one item of tax item information plural to be linked and processed in the virtual account management D / B 945. It is characterized by.

Hereinafter, in FIG. 9, the tax payment virtual account information established through the drawing 1 or 4 is referred to as 'first virtual account information' for convenience, and the received tax payment target information and the plurality of payment target tax item information are at least. The newly opened virtual account information corresponding to the tax payment selection information including one or more is referred to as 'second virtual account information' for convenience.

The interface provider 910 is a client terminal 955 (or staff terminal) when the client terminal 955 (or staff terminal) is connected to the information registration server 900 via the interface unit 905, the client terminal 955 (or staff terminal) Corresponding to a functional configuration (for example, a browser program provided in the client terminal 955 (or an employee terminal)), the tax payment including at least one predetermined tax payment target information and a plurality of payment target tax item information. Input (or select) selection information to generate a predetermined virtual account number inquiry and reassignment interface screen which can be transmitted to the information registration server 900 via the network means, and / or a predetermined database (not shown) Extracted from the network, and inquiring and reassigning the virtual account number generated (or extracted) in cooperation with the interface unit 905, the network screen. It is characterized in that it provides to the client terminal 955 (or employee terminal) through the means.

Thereafter, the client terminal 955 (or an employee terminal) selects a tax payment including at least one predetermined tax payment target information and a plurality of payment target tax item information based on the virtual account number inquiry and re-grant interface screen. If it is confirmed that inputting (or selecting) information and tax payment selection information including at least one of the tax payment target information and the plurality of payment target tax item information is input (or selected), the client terminal 955 ( Or an employee terminal) transmits to the information registration server 900 tax payment selection information including at least one of the input (or selected) tax payment target information and a plurality of payment target tax item information through the network means. .

If one of ordinary skill in the art to which the present invention pertains, the client terminal 955 (or staff terminal) through at least one form (Form) included in the virtual account number inquiry and re-grant interface screen Technical features for inputting (or selecting) the tax payment subject information and tax payment selection information including at least one of a plurality of tax subject information, and the input (or selection) through a communication protocol provided by the network means. It will be familiar with the technical features of transmitting the tax payment target information, the tax payment selection information including at least one or more of the plurality of payment target tax item information to the information registration server 900, a detailed description thereof is omitted for convenience. do.

The information receiving unit 915 includes at least one predetermined tax payment subject information and a plurality of payment target tax item information through the virtual account number inquiry and re-grant interface screen on the client terminal 955 (or an employee terminal). In the case of inputting (or selecting) the tax payment selection information to be transmitted through the network means, the tax payment including at least one of the tax payment subject information and the plurality of payment target tax item information in association with the interface unit 905. Characterized in that the selection information is received, the tax payment selection information including at least one or more of the received tax payment target information, a plurality of payment target tax item information is provided to the validity verification unit 925.

The validity confirming unit 925 may verify validity of the tax payment selection information including at least one of the received tax payment target information and a plurality of payment target tax item information.

According to an exemplary embodiment of the present invention, the validity check of the tax payment target information included in the tax payment selection information is checked to match the tax payment target information among the information stored in the virtual account management D / B 945. It is preferable that it consists of including.

According to another exemplary embodiment of the present invention, the validity of the tax payment subject information received from the financial institution server 950 may be determined by the tax management D / B ( It is preferable to include checking whether there is taxpayer information on the omission of illustration).

According to the method of the present invention, the validity check of the plurality of payment target tax item information included in the tax payment selection information is matched with the payment target tax item information provided on the tax management D / B (not shown). It is preferable to include checking whether or not.

According to the implementation method of the present invention, validation of the plurality of virtual account information received from the financial institution server 950 is provided on the financial institution server 950 in association with the financial institution server 950. It is preferable to check the validity by requesting whether the ledger D / B has an account ledger for the virtual account.

When the virtual account opening processing unit 920 intends to pay tax on a part of a plurality of tax payment bills previously provided by the tax payee, tax payment target information and a plurality of payments according to the tax payment request for the part. And opening and processing a new tax payment virtual account corresponding to the tax payment selection information including at least one target tax item information.

According to an embodiment of the present invention, the new tax payment virtual account is opened, the information registration server 900 receives tax payment selection information including at least one tax payment target information, a plurality of payment target tax item information and When the validity of the tax payment selection information including at least one or more of the received tax payment target information and the plurality of payment target tax item information is confirmed, the financial institution server may open a new tax payment virtual account for issuing a new bill. It is preferable to make a request at 950. When the new tax payment virtual account is opened at the financial institution server 950, the information registration server 900 provides the second virtual account information for the newly opened tax payment virtual account. It is desirable to send to.

In addition, it is preferable to process the new tax target information other than the at least one item of tax target information to be paid through the second virtual account by opening a new third virtual account, in which case the first virtual account is terminated. It is preferable to process.

The information storage unit 930 processes the tax payment selection information including at least one of the tax payment target information and the plurality of payment target tax item information received through the information receiving unit 915 to manage the virtual account. It stores in the D / B (945).

The tax payee information for paying the tax with the virtual account information includes taxpayer personal information for at least one tax payer (eg, national tax payer, local tax payer, etc.) that the tax administration should collect the tax. For example, it is preferable that the tax payment subject name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number assigned to the tax payer in the tax administration institution, the tax payer unique information (E.g., an electronic payment number, etc.) is preferable.

The plurality of payable tax item information may include tax item information (eg, electronic payment number, selected by a tax payer who wants to pay a part of the plurality of payable taxes when the tax payer has a plurality of taxes to be paid). Tax name, tax management code, taxation date, due date, amount of money, etc.).

According to an embodiment of the present invention, the virtual account registration server may issue the tax payment subject to the tax payment subject based on the tax payment selection information including at least one of the received tax payment subject information and a plurality of payment subject tax item information. An information issuing unit 935 (or information generating means) for generating tax payment bill information to be output on a tax payment bill, and a bill issuing apparatus for generating a tax payment bill information to the tax paying bill to issue the generated tax payment bill information to the tax payee; It is characterized in that it comprises a bill issuing unit 940 (or bill issuing means) for issuing bills in association.

The information generation unit 935 receives the tax payment target information and the plurality of payment target tax item information when the tax payment selection information including at least one or more of the tax payment target information and the plurality of payment target tax item information is received. Corresponding to the tax payment selection information including at least one, characterized in that for generating the tax payment statement information based on the taxation data for the tax payment notice for the selected tax.

Here, the tax payment notice information is a taxpayer's name, taxpayer's address, accounting, subjects, old and new, year, mood, classification, institution, sword, bill, dong, control number, inspection, including the item number, delivery date and delivery date It is preferable to include at least one or more of the following amount, electronic payment number, taxation information (for example, car-related tax, vehicle number, information of the target property, etc.), virtual account number, and the like.

The bill issuing unit 940 outputs a tax payment bill including the tax payment bill information through a predetermined bill issuing device when the tax payment bill information is generated through the information generating unit 935. The tax payment notice is provided (or shipped) to the customer.

10A and 10B illustrate an information registration process for registering selection information on some tax items to be paid among a plurality of tax payment notices according to an embodiment of the present invention.

In more detail, FIGS. 10A and 10B show a plurality of tax payment notices of a client terminal 955 (or an employee terminal) on the information registration system shown in FIG. 9 to the information registration server 900 through a predetermined network means. If the tax payment selection information including at least one or more tax payment target information for registering the selection information for some tax items to be paid, and a plurality of payment target tax item information is transmitted, the information registration server 900 pays the tax A process for linking and processing tax payment selection information including at least one subject information and a plurality of payment target tax item information and storing the same in virtual account management D / B 945, which is common in the art. If you have the knowledge, some of the taxes to be paid out of the plurality of tax notices by referring to and / or modifying the drawings 10a and 10b. Various implementation methods may be inferred for the information registration process for registering the selection information for the neck, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 10A and 10B. No.

10A and 10B, the information registration server 900 on the information registration system shown in Fig. 9 is referred to as " server " for convenience, and the client terminal 955 (or on the information registration system shown in Fig. 9) (or Employee terminal) is referred to as "terminal" for convenience.

10A and 10B, a terminal on the information registration system shown in FIG. 9 connects to the server through the network means and registers for selecting information on some tax items to be paid among a plurality of tax payment bills. Connect the channel (1000).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention belongs, the terminal is connected to the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to pay the plurality of taxes Since you will be familiar with the technical features connecting the communication channel for registration of the optional information on some tax items to be paid in the bill, a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for registering selection information on some tax items to be paid among the plurality of tax payment invoices is connected between the terminal and the server, the terminal is connected to the server through the communication channel. Request (1005) a virtual account number inquiry and re-grant interface screen for registration of selection information on some tax items to be paid, and in response, the server requests the tax payment target information and a plurality of payment target tax item information from the terminal. Generate (or extract) a virtual account number inquiry and re-grant interface screen including a user interface for inputting (or selecting) tax payment selection information including at least one of the payment options (1010), and generating (or extracting) A virtual account number inquiry and reassignment interface screen is transmitted to the terminal through the communication channel (1 015).

Thereafter, the terminal includes the user included in the virtual account number inquiry and re-grant interface screen for input (or selection) of tax payment selection information including at least one of the tax payment target information and a plurality of tax target information. In operation 1020, the user may input (or select) tax payment selection information including at least one of the tax payment target information and the plurality of payment target tax item information through an interface.

If the terminal receives (or selects) tax payment selection information including at least one of the tax payment subject information and the plurality of payment subject tax item information (1025), the terminal transmits the information to the server through the communication channel. Tax payment selection information including at least one or more tax payment target information and a plurality of tax target information is transmitted (1030).

Thereafter, the server checks the validity of the tax payment selection information including at least one of the received tax payment target information and a plurality of payment target tax item information (1035).

According to an exemplary embodiment of the present invention, the validity check on the tax payment target information included in the tax payment selection information may be performed to determine whether the tax payment target information matches the tax payment target information among the information stored in the virtual account management D / B 945. It is preferable to include what is included.

According to another exemplary embodiment of the present invention, the validity of the tax payment subject information received from the financial institution server 950 may be determined by the tax management D / B ( It is preferable to include checking whether there is taxpayer information on the omission of illustration).

According to the method of the present invention, the validity check of the plurality of payment target tax item information included in the tax payment selection information is matched with the payment target tax item information provided on the tax management D / B (not shown). It is preferable to include checking whether or not.

According to the implementation method of the present invention, validation of the plurality of virtual account information received from the financial institution server 950 is provided on the financial institution server 950 in association with the financial institution server 950. It is preferable to check the validity by requesting whether the ledger D / B has an account ledger for the virtual account.

If the validity of the tax payment selection information including at least one of the received tax payment target information and the plurality of payment target tax item information is not confirmed (1040), the server receives the received tax payment target information and the plurality of tax payment target information. Information registration error information for tax payment selection information including at least one item of tax target information is generated (or extracted) and transmitted to the terminal (1045).

On the other hand, if the validity of the tax payment selection information including at least one or more of the received tax payment target information and the plurality of payment target tax item information is confirmed (1040), the server receives the received tax payment target information and a plurality of The tax payment selection information including at least one item of tax object information to be paid is linked and stored in the virtual account management D / B 945 shown in FIG. 9 (1050).

The tax payee information for paying the tax with the virtual account information includes taxpayer personal information for at least one tax payer (eg, national tax payer, local tax payer, etc.) that the tax administration should collect the tax. For example, it is preferable that the tax payment subject name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and also the tax payer number assigned to the tax payer in the tax administration institution, the tax payer unique information (E.g., an electronic payment number, etc.) is preferable.

The plurality of payable tax item information may include tax item information (eg, electronic payment number, selected by a tax payer who wants to pay a part of the plurality of payable taxes when the tax payer has a plurality of taxes to be paid). Tax name, tax management code, taxation date, due date, amount of money, etc.).

Thereafter, the server generates a new tax payment virtual account corresponding to the tax payment selection information including at least one of the received tax payment target information and a plurality of payment target tax item information. The financial institution server 950 shown in FIG. In operation 1055, the second virtual account information regarding the newly opened tax payment virtual account is received from the financial institution server 950, and the virtual account management D / B shown in FIG. (1060).

The virtual account registration server generates tax payment bill information corresponding to the second virtual account information received from the financial institution server 950 (1065), and outputs a tax payment bill corresponding to the generated tax payment bill information. Provided to the tax payees (1070).

Here, the tax payment notice information is a taxpayer's name, taxpayer's address, accounting, subjects, old and new, year, mood, classification, institution, sword, bill, dong, control number, inspection, including the item number, delivery date and delivery date It is preferable to include at least one or more of the following amount, electronic payment number, taxation information (for example, car-related tax, vehicle number, information of the target property, etc.), virtual account number, and the like.

11 is a diagram illustrating a face-to-face financial transaction system for tax payment of a taxpayer according to one embodiment of the present invention.

In more detail, in Figure 11, a predetermined customer receives a financial account information, a tax payment amount information, a transaction authentication information, an electronic payment number information, and a tax to pay a tax of the tax payee to a financial transaction system through a predetermined financial transaction interface. When the financial transaction request information including at least one payment virtual account information is provided, the financial account information, the tax payment amount information, the transaction authentication information, and the electronic payment number information included in the provided financial transaction request information in the financial transaction system. , Which relates to a system for providing a financial transaction for tax payment of the tax payee using tax payment virtual account information, and has a general knowledge in the technical field to which the present invention pertains. And / or transforms a financial transaction system for tax payment of taxpayers Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may refer to and modify the drawing 11 to withdraw the amount to be paid from the financial account and deposit (ie, transfer) the tax paid virtual account into the virtual account. In addition to the implementation method, an implementation method of processing cash directly through a cashier without withdrawing money from a financial account may be inferred, but the present invention is not limited thereto.

Hereinafter, at least one means for providing a financial transaction for tax payment of the tax payee using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. And / or a component corresponding to the functional configuration is referred to as a "financial transaction server 1100" for convenience, and the financial transaction server 1100 in FIG. It is preferable to include an account system on a financial system connected through a predetermined financial network. However, FIG. 11 illustrates the financial transaction server 1100 as a ledger server between a teller terminal and an account system for convenience of description. The present invention is not limited by this.

Referring to FIG. 11 according to an embodiment of the present invention, a financial transaction system for tax payment of a tax payee includes a financial transaction terminal 1155 including a teller terminal provided at at least one financial institution branch. A financial transaction (eg, a banking network) connected to a financial transaction terminal 1155 and a financial transaction connected to the financial transaction terminal 1155 through the financial network to process a financial transaction for tax payment of the tax payee. Server 1100 and the financial account is characterized in that it comprises a financial system opened.

The financial system that processes at least one financial transaction service through the financial account in connection with the financial transaction server 1100 may include at least one window terminal and a predetermined terminal at a branch (and / or a branch) of the financial institution. Characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction services to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one or more wireless terminals (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM (Global) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 11, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). Characterized in that the link is processed and stored, the ledger information corresponding to the financial account It is characterized in that it comprises a predetermined account ledger.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to the method of the present invention, the customer visits the financial institution branch for the tax payment of the taxpayer, and pays the tax of the taxpayer through a window (or through a teller) provided at the financial institution branch. When a prescribed application for payment (e.g., a slip with a form for filling in at least one item of information for tax payment of the tax payer) is completed and the completed application is submitted to the counter clerk, the counter clerk Inputs (or selects) the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information entered in the application through a predetermined window terminal, and the counter terminal inputs the input ( Or selected) Financial account information, tax payment information, transaction authentication information, electronic payment number information, tax payment virtual account Preferably, the financial transaction request information including at least one beam is transmitted to the financial transaction server 1100 provided on the financial transaction system through the financial network.

Here, the financial transaction terminal 1155 preferably comprises a window terminal used by a teller staff provided at the branch of the financial institution, and the financial transaction server 1100 connected to the window terminal is located on the predetermined financial system. It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the financial transaction server 1100 includes a branch network connecting the communication channel between the teller terminal and the financial transaction server 1100. It is preferable to make it.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a finance network connecting the teller terminal and the financial transaction server 1100 are provided by the customer. Functions as a financial transaction interface for registering financial transaction request information for tax payment.

The financial transaction request information transmitted from the financial transaction terminal 1155 to the financial transaction server 1100 for tax payment of the tax payee includes predetermined financial account information, tax payment amount information, transaction authentication information, and electronically. Characterized in that it comprises at least one payment number information, tax payment virtual account information.

The financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the financial account) Customer Information File (CIF) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and in charge of the financial account) Name, contact person code, etc.) may be further included.

The tax payment amount information includes a financial transaction amount transferred from the financial account for the tax payment of the tax payer, and the tax payment amount does not exceed the balance deposited in the financial account. It is characterized by not.

The transaction authentication information is information for securing the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for tax payment of the tax payer. And at least one password corresponding to the financial account, or a password corresponding to the financial transaction.

The electronic payment number information preferably includes a classification number (or classification code) for distinguishing the plurality of tax items when paying a plurality of taxes through the virtual tax payment virtual account.

The tax payment virtual account information is a deposit-only virtual account of a tax management institution account opened through the illustrated virtual account opening system as a parent account, and preferably includes an account number (or a financial account alias, etc.).

The financial transaction server 1100 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1155 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 1155 is a window terminal connected to a predetermined financial network, the financial transaction server 1100 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the exemplary embodiment of the present invention, the financial transaction server 1100 includes an interface unit 1105 for connecting and managing a predetermined communication channel with the financial transaction terminal 1155 through the financial network. do.

According to an embodiment of the present invention, when the financial transaction terminal 1155 is a window terminal connected to a predetermined financial network, the interface unit 1105 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 11, the financial transaction server 1100 may be configured such that a predetermined financial transaction terminal 1155 connects a communication channel with the financial transaction server 1100 through the interface unit 1105 and / or the communication. When a financial transaction for tax payment of the tax payee is requested through a channel, the financial transaction terminal 1155 inputs (or selects) and transmits predetermined financial transaction request information in connection with the interface unit 1105. And an interface provider 1110 for generating (or extracting) a predetermined user interface and providing the same to the financial transaction terminal 1155. The user interface is included in the financial transaction terminal 1155. If a predetermined terminal-side banking program is provided, the interface providing unit 1110 may be omitted.

The interface providing unit 1110 may allow a predetermined financial transaction terminal 1155 to connect a communication channel with the financial transaction server 1100 through the interface unit 1105, and / or pay the tax through the communication channel. When a financial transaction for a tax payment of a target person is requested, the financial transaction server 1100 is input through the financial network by inputting (or selecting) the financial transaction request information corresponding to the functional configuration provided in the financial transaction terminal 1155. Generate a predetermined user interface that can be transmitted to the network, and / or extract it from a predetermined database (not shown), and connect the generated (or extracted) user interface to the financial network in conjunction with the interface unit 1105. Through the financial transaction terminal 1155 is characterized in that it is provided.

According to an embodiment of the present invention, when the financial transaction terminal 1155 is a window terminal connected to a predetermined financial network, the interface providing unit 1110 may be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 1105.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1155 includes at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction server 1100 through the financial network. When a predetermined terminal-side banking program is provided, the interface providing unit 1110 for providing the user interface to the financial transaction terminal 1155 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) financial transaction request information including at least one of financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information. It is preferable to include an interface function to transmit to the financial transaction server 1100).

Referring to FIG. 11, the financial transaction server 1100 uses financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information in the financial transaction terminal 1155 through the user interface. Input (or select) and transmit financial transaction request information including at least one of the following information, in connection with the interface unit 1105, the financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment. An information receiving unit 1115 for receiving the financial transaction request information including at least one virtual account information, the financial account information, tax payment amount information, transaction authentication information, and electronic payment included in the received financial transaction request information; Validation unit 1125 for checking the validity of the number information, tax payment virtual account information, and the financial system The financial transaction processing unit 1130 and the financial transaction processing unit 1130 in connection with the financial transaction processing unit 1130 to process the financial transaction for the tax payment of the tax payment target based on the validated financial transaction request information An information transmitter 1120 for generating predetermined financial transaction result information for the financial transaction for payment and transmitting the financial transaction result information to the financial transaction terminal 1155 in association with the interface unit 1105; Characterized in that made.

The financial transaction terminal 1155 inputs financial transaction request information including at least one of the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the user interface ( Or) to transmit to the financial transaction server 1100 through the financial network.

The information receiving unit 1115 includes at least one financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information in the financial transaction terminal 1155 through the user interface. When the transaction request information is input (or selected) and transmitted through the financial network, the financial transaction request information is received in connection with the interface unit 1105, and the validity of the received financial transaction request information is determined. Provided to the verification unit 1125.

The financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the financial account) Customer Information File (CIF) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and in charge of the financial account) Name, contact person code, etc.) may be further included.

The tax payment amount information includes a financial transaction amount transferred from the financial account for the tax payment of the tax payer, and the tax payment amount does not exceed the balance deposited in the financial account. It is characterized by.

The transaction authentication information is information for securing the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for tax payment of the tax payer. And at least one password corresponding to the financial account, or a password corresponding to the financial transaction.

The electronic payment number information preferably includes a classification number (or classification code) for distinguishing the plurality of tax items when paying a plurality of taxes through the virtual tax payment virtual account.

The tax payment virtual account information is a deposit-only virtual account of a tax management institution account opened through the illustrated virtual account opening system as a parent account, and preferably includes an account number (or a financial account alias, etc.).

The validity confirming unit 1125 checks whether the financial transaction request information received from the financial transaction terminal 1155 satisfies the validity for the tax payment of the taxpayer.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the financial account is provided. When the account ledger (or the customer ledger corresponding to the financial account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

In addition, the validity check of the financial transaction request information includes an amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the financial transaction request information. It is preferable to include whether the amount is greater than the amount of the tax payment, and the validity of the financial transaction request information is preferably authenticated when the balance of the financial account is greater than the amount of the tax payment.

In addition, the validity check of the financial transaction request information is provided on the account ledger provided in the ledger D / B on the financial system in response to the various financial information and the financial account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

In addition, the verification of the validity of the financial transaction request information is the account ledger (or the tax payment) for the tax payment virtual account corresponding to the tax payment virtual account information included in the financial transaction request information to the ledger D / B on the financial system It is preferable to include whether the mother account ledger corresponding to the virtual account is provided, and if the account ledger (or the mother account ledger corresponding to the tax payment virtual account) is provided, It is desirable that the validity be authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1130 pays the financial account information and the tax included in the financial transaction request information in connection with a financial system equipped with an account ledger corresponding to the financial account. It is characterized in that the financial transaction for the tax payment of the tax payment target based on the amount information, transaction authentication information, electronic payment number information, tax payment virtual account information.

According to the method of the present invention, the financial transaction processing unit 1130 withdraws the amount corresponding to the tax payment amount information from the account ledger corresponding to the financial account information included in the financial transaction request information in connection with the financial system. It is preferable to process the deposit (that is, transfer from the financial account to the tax payment virtual account) to the virtual account corresponding to the tax payment virtual account information.

When the financial transaction for tax payment of the tax payee is processed by the financial transaction processor 1130, the information transmission unit 1120 is connected to the financial transaction processor 1130 to pay the tax for the tax payee. Generate a financial transaction processing history including any of financial transaction approval history or financial transaction error history for the financial transaction, and in connection with the interface unit 1105, the financial transaction result information including the financial transaction processing history is recalled. Characterized in that the transmission to the financial transaction terminal 1155 through a financial network.

In addition, the information transmission unit 1120 is characterized in that for transmitting the tax payment history according to the tax payment to the tax management institution server.

The financial transaction processing history may include the financial account information, the tax payment amount information, the electronic payment number information, the tax payment virtual account information, and an approval code (or an error code) for the financial transaction. Characterized in that further comprises.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1155 through the financial network, and receiving the financial transaction result information. The transaction terminal 1155 outputs a predetermined financial transaction receipt including the financial transaction processing history included in the predetermined financial transaction result information.

Referring to FIG. 11, when the tax history paid by the tax payee is confirmed, the financial transaction server 1100 transmits the tax payment history to the tax management institution server in association with the information transmission unit 1120. Authorization processing unit 1140 (or approval processing means) for processing the payment history approval for the tax paid by the tax payee, tax payment virtual account information, electronic payment number information, payment for the approved tax payment history And an information storage unit 1145 (or information storage means) for linking and processing the amount information in the storage medium 1150.

The approval processing unit 1140 transmits the tax payment details to the tax management institution server in association with the information transmission unit 1120 when the tax history paid by the tax payee is confirmed, and paid by the tax payee. It is characterized in that the processing of the deposit history approval for the tax.

In addition, when the approval for the tax paid by the tax payment target is completed, the approval processing unit 1140 in conjunction with the financial institution server cancellation processing unit 1135 for the termination process of the virtual account granted to the tax payment target. In connection with the characterized in that the termination of the tax payment virtual account processing.

According to the implementation method of the present invention, the approval process for the tax history paid by the tax payment subject is the electronic payment number according to the tax payment deposited into the tax payment virtual account and the tax payment amount is confirmed, the confirmed It is preferable to transmit the electronic payment number and tax payment amount information to the tax administration server for approval. If the tax administration server rejects the approval, return the deposited tax payment amount to the tax payee. Or, it is preferable to transmit information indicating that the return processing by means such as SMS.

According to another exemplary embodiment of the present invention, when the tax management agency provides the information (for example, electronic payment number and amount of money to be deposited for each electronic payment number) for the approval, the provided information and the tax payment are provided. It is preferable to compare the tax contents paid by the subject and to process the approval, and if the approval is rejected, return the deposited tax payment amount to the tax payer or send information indicating that the tax payment is returned by means of SMS or the like. It is preferable.

The information storage unit 1145 may process the tax payment virtual account information, the electronic payment number information, and the payment amount information for the approved tax payment details in the storage medium 1150.

According to the implementation method of the present invention, the payment history information storage according to the tax payment, the tax payment virtual account information according to the tax payment details paid by the tax payment target, and the tax payment with the tax payment virtual account information Preferably, the electronic payment number information and at least one payment amount information paid by the electronic payment number are included.

In addition, the stored payment history information may be classified and stored for each tax management institution (eg, for each local government, etc.) corresponding to the electronic payment number, and the present invention is not limited thereto.

In addition, the information stored in the storage medium 1150 may further provide an inquiry function using an electronic payment number (or a virtual account number, etc.) by a tax payee (or a tax manager). It is not limited.

12 is a diagram illustrating a process of processing a financial transaction for tax payment of a tax payee in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates a case in which the financial transaction server 1100 on the financial transaction system shown in FIG. 11 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the counter terminal accesses the financial transaction server 1100 and connects the communication channel for the financial transaction, the financial account information and the tax payment amount information and the transaction authentication to the financial transaction server 1100 through the communication channel. When the financial transaction request information including information, electronic payment number information, and tax payment virtual account information is transmitted, financial account information and tax payment amount information included in the received financial transaction request information are transmitted from the financial transaction server 1100. And provide financial transactions for tax payment of taxpayers using transaction authentication information, electronic payment number information, and tax payment virtual account information. As a method of implementation, those of ordinary skill in the art to which the present invention pertains, the process of processing a financial transaction for tax payment of a tax payee in the face-to-face manner by referring to and / or modifying the drawing 12. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In the following figure 12, the window terminal shown in FIG. 11 is referred to as "terminal" for convenience, and the financial transaction server 1100 shown in FIG. 11 is referred to as "server" for convenience.

Referring to FIG. 12, the terminal illustrated in FIG. 11 connects a communication channel for at least one financial transaction with the server through the financial network, and the financial account information and the tax payment for tax payment of the tax payee. A user interface for inputting (or selecting) financial transaction request information including at least one or more amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information is output (1200).

Subsequently, a predetermined application (eg, for tax payment of the tax payees) includes at least one or more of the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information from the customer. A document having a form for filling in at least one information item) is prepared and submitted, the terminal transmits the financial account information, the tax payment amount information, the transaction authentication information, and the electronic payment included in the application through the user interface. Input (or select) financial transaction request information including at least one number information and tax payment virtual account information (1205); and the financial account information and tax payment amount information through a financial network connecting the terminal and a server; At least one transaction verification information, electronic payment number information, and tax payment virtual account information The financial transaction request information is transmitted to the server (1215).

Here, the financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the financial account according to the intention of the skilled person) Customer Information File (CIF) number corresponding to the customer, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g., opening and in charge of the financial account) A contact person name, a contact person code, etc.).

The tax payment amount information includes a financial transaction amount transferred from the financial account for the tax payment of the tax payer, and the tax payment amount does not exceed the balance deposited in the financial account. It is characterized by.

The transaction authentication information is information for securing the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for tax payment of the tax payer. And at least one password corresponding to the financial account, or a password corresponding to the financial transaction.

The electronic payment number information preferably includes a classification number (or classification code) for distinguishing the plurality of tax items when paying a plurality of taxes through the virtual tax payment virtual account.

The tax payment virtual account information is a deposit-only virtual account using a tax management institution account opened through the illustrated virtual account opening system as a parent account, and preferably includes an account number (or a financial account alias, etc.).

Thereafter, the server receives and reads the financial transaction request information including at least one of the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the financial network. The validity of the financial transaction request information is checked (1220).

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the financial account is provided. When the account ledger (or the customer ledger corresponding to the financial account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

In addition, the validity check of the financial transaction request information includes an amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the financial transaction request information. It is preferable to include whether the amount is greater than the amount of the tax payment, and the validity of the financial transaction request information is preferably authenticated when the balance of the financial account is greater than the amount of the tax payment.

In addition, the validity check of the financial transaction request information is provided on the account ledger provided in the general ledger D / B on the financial system in response to the various financial codes and the financial account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

In addition, the verification of the validity of the financial transaction request information is the account ledger (or the tax payment) for the tax payment virtual account corresponding to the tax payment virtual account information included in the financial transaction request information to the ledger D / B on the financial system It is preferable to include whether the mother account ledger corresponding to the virtual account is provided, and if the account ledger (or the mother account ledger corresponding to the tax payment virtual account) is provided, It is desirable that the validity be authenticated.

If the validity of the financial transaction request information is not authenticated (1225), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1230), and the financial network The financial transaction result information including the financial transaction processing history is transmitted to the terminal through the terminal 1250. In response, the terminal prints and outputs a financial transaction receipt including the financial transaction processing history (1255).

On the other hand, if the validity of the financial transaction request information is authenticated (1225), the server is linked with a financial system equipped with an account ledger corresponding to the financial account, the financial account information and the tax payment amount included in the financial transaction request information. Based on the information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information, the financial transaction for tax payment of the tax payer is processed (1235).

According to the method of the present invention, the financial transaction processing unit 1130 withdraws the amount corresponding to the tax payment amount information from the account ledger corresponding to the financial account information included in the financial transaction request information in connection with the financial system. It is preferable to process the deposit (that is, transfer from the financial account to the tax payment virtual account) to the virtual account corresponding to the tax payment virtual account information.

If a financial transaction corresponding to the financial transaction request information is processed (1240), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1245), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial network (1250), and correspondingly, the terminal receives a financial transaction receipt including the financial transaction processing history. Print out (1255).

13 is a diagram illustrating a non-face-to-face financial transaction system for tax payment of a taxpayer according to an embodiment of the present invention.

In more detail, in Figure 13, a predetermined customer receives a financial account information, a tax payment amount information, a transaction authentication information, an electronic payment number information, and a tax to pay a tax of the tax payee to a financial transaction system through a predetermined financial transaction interface. When the financial transaction request information including at least one payment virtual account information is provided, the financial account information, the tax payment amount information, the transaction authentication information, and the electronic payment number information included in the provided financial transaction request information in the financial transaction system. The present invention relates to a system for providing a financial transaction for tax payment of a tax payee using tax payment virtual account information, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. And / or transforms a financial transaction system for tax payment of taxpayers For would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 13.

Hereinafter, at least one means for providing a financial transaction for tax payment of the tax payee using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. And / or a component corresponding to a functional configuration is referred to as a "financial transaction server 1300" for convenience, and the financial transaction server 1300 in FIG. 13 providing the non-face-to-face financial transaction service is an Internet banking server, It is preferable to include all types of non-face-to-face banking servers including at least one of a wireless banking server, a home banking server, and the like.

Referring to FIG. 13 according to an embodiment of the present invention, a financial transaction system for tax payment of a taxpayer includes at least one client terminal including at least one wired terminal and / or a wireless terminal used by a customer. It is connected to the financial transaction terminal 1355, the network means corresponding to the wired and / or wireless communication network connected to the financial transaction terminal 1355 and the financial transaction terminal 1355 through the network means, And a financial transaction server 1300 for processing a financial transaction for tax payment of the tax payee and a financial system in which the financial account is opened.

The financial system that processes the at least one financial transaction service through the financial account in connection with the financial transaction server 1300 may include at least one window terminal and a predetermined terminal at a branch (and / or a branch) of the financial institution. Characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop, a laptop equipped with the wireless LAN / portable Internet connection and a browsing function, and / or a mobile terminal.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one wireless terminal (e.g., wireless terminal equipped with a financial IC chip) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. Through IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 13, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). Characterized in that the link is processed and stored, the ledger information corresponding to the financial account It is characterized in that it comprises a predetermined account ledger.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer accesses the financial transaction server 1300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial transaction request information for tax payment of the tax payee is input (or selected) through at least one user interface provided by the financial transaction server 1300, the client terminal receives the financial transaction through a predetermined network means. It is preferable to transmit to the financial transaction server 1300 provided on the transaction system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the financial transaction server 1300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the financial transaction server 1300 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the financial transaction server 1300, and inputs and / or selects at least one or more information through the user interface to the financial transaction server 1300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial transaction server 1300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial transaction system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 1300 and And / or the wireless communication network functions as a financial transaction interface for the customer to register the financial transaction request information for the tax payment of the tax payee.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1355 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 1355 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial transaction server are described. The financial network connecting 1300 performs a function of a financial transaction interface for the customer to register financial transaction request information for the tax payment of the tax payer, and / or the financial transaction terminal 1355 In the case of a call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 1300 may be used by the customer. Perform a function of a financial transaction interface for registering financial transaction request information for tax payment of a user, and / or affiliated with the financial institution that is the financial transaction terminal 1355 In the case of a terminal (and / or server) (not shown) provided in an institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial transaction server 1300 Network connects the financial transaction interface to register the financial transaction request information for the tax payment of the tax payer.

The financial transaction server 1300 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1355 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server 1300. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program included in the server (or device), and / or external to the financial system accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 1300 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server 1300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the financial transaction server 1300 may be A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The financial transaction request information transmitted from the financial transaction terminal 1355 to the financial transaction server 1300 for tax payment of the tax payee includes predetermined financial account information, tax payment amount information, transaction authentication information, and electronically. Characterized in that it comprises at least one payment number information, tax payment virtual account information.

The financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the financial account) Customer Information File (CIF) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and in charge of the financial account) Name, contact person code, etc.) may be further included.

The tax payment amount information includes a financial transaction amount transferred from the financial account for the tax payment of the tax payer, and the tax payment amount does not exceed the balance deposited in the financial account. It is characterized by.

The transaction authentication information is information for securing the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for tax payment of the tax payer. And at least one password corresponding to the financial account or a password corresponding to the financial transaction.

Further, in the characteristic of the financial transaction system shown in FIG. 13, wherein the financial transaction for tax payment of the tax payee is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the financial account. It is preferable to further include at least one or more security code information provided in the provided security card, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, the financial transaction system shown in Figure 13, characterized in that the financial transaction for the tax payment of the tax payment subject is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal 1355 (or Based on the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1355, or based on at least one encryption key included in the authentication certificate; Preferably, the method further includes encrypting the financial transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

Preferably, the electronic payment number information includes a classification number (or classification code) for distinguishing the plurality of tax items when paying a plurality of taxes through the virtual tax payment account.

The tax payment virtual account information is a deposit-only virtual account of a tax management institution account opened through the illustrated virtual account opening system as a parent account, and preferably includes an account number (or a financial account alias, etc.).

According to the method of the present invention, the financial transaction server 1300 is characterized in that it comprises an interface unit 1305 for connecting and managing a predetermined communication channel with the financial transaction terminal 1355 through the network means. do.

According to an embodiment of the present invention, when the financial transaction terminal 1355 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1305 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1305 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial transaction server 1300, the interface unit 1305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a financial automation device connected to a predetermined financial network, the interface unit 1305 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1305 is a protocol defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal based on a stack, and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial transaction server 1300, the interface unit 1305 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1305 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1305 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 13, the financial transaction server 1300 may be configured such that a predetermined financial transaction terminal 1355 connects a communication channel with the financial transaction server 1300 through the interface unit 1305, and / or the communication. When a financial transaction for tax payment of the tax payee is requested through a channel, the financial transaction terminal 1355 may input (or select) and transmit predetermined financial transaction request information in connection with the interface unit 1305. And an interface providing unit 1310 for generating (or extracting) a predetermined user interface and providing the same to the financial transaction terminal 1355. The user interface is included in the financial transaction terminal 1355. If a predetermined terminal-side banking program is provided, the interface providing unit 1310 may be omitted.

The interface providing unit 1310 is provided in the financial transaction terminal 1355 after a predetermined financial transaction terminal 1355 connects a communication channel with the financial transaction server 1300 through the interface unit 1305. Corresponding to the functional configuration, generate a predetermined user interface capable of inputting (or selecting) the financial transaction request information to the financial transaction server 1300 via the network means, and / or a predetermined database (not shown). And the user interface generated (or extracted) in cooperation with the interface unit 1305 to the financial transaction terminal 1355 through the network means.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1310. ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1305 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a financial automatic device connected to a predetermined financial network, the interface providing unit 1310 may be a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1305.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1305.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1310 may include the call terminal ( Generate (or extract) a predetermined user interface that can be provided by using the interface, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1305 may be used as the call terminal (shown). Omit).

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1355 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1310 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1305. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal 1355 and transmitting the information to the financial transaction server 1300 through the network means is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 1310 for providing the user interface to the financial transaction terminal 1355 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) financial transaction request information including at least one of financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information. It is preferable to include an interface function to transmit to the financial transaction server 1300).

Referring to FIG. 13, the financial transaction server 1300 may use financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information in the financial transaction terminal 1355 through the user interface. Input (or select) and transmit financial transaction request information including at least one of the following information, in connection with the interface unit 1305, the financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment. An information receiver 1315 receiving the financial transaction request information including at least one virtual account information, the financial account information, tax payment amount information, transaction authentication information, and electronic payment included in the received financial transaction request information; Validation unit 1325 for checking the validity of the number information, tax payment virtual account information, and the financial system The financial transaction processing unit 1330 and the financial transaction processing unit 1330 to process the financial transaction for the tax payment of the tax payment target based on the validity of the financial transaction request information. An information transmitter 1320 for generating predetermined financial transaction result information for the financial transaction for payment and transmitting the financial transaction result information to the financial transaction terminal 1355 in association with the interface unit 1305; It is characterized by comprising.

The financial transaction terminal 1355 inputs financial transaction request information including at least one of the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the user interface ( Or) to transmit to the financial transaction server 1300 via the network means.

The information receiving unit 1315 includes at least one financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information in the financial transaction terminal 1355 through the user interface. When the transaction request information is input (or selected) and transmitted through the network means, the financial transaction request information is received in association with the interface unit 1305, and the validity of the received financial transaction request information is determined. It is provided to the identification part 1325.

The financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the financial account) Customer Information File (CIF) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and in charge of the financial account) Name, contact person code, etc.) may be further included.

The tax payment amount information includes a financial transaction amount transferred from the financial account for the tax payment of the tax payer, and the tax payment amount does not exceed the balance deposited in the financial account. It is characterized by.

The transaction authentication information is information for securing the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for tax payment of the tax payer. And at least one password corresponding to the financial account, or a password corresponding to the financial transaction.

Further, in the characteristic of the financial transaction system shown in FIG. 13, wherein the financial transaction for tax payment of the tax payee is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the financial account. It further comprises at least one or more security code information (e.g., one or more security codes, or a combination of two or more security codes) provided in the provided security card, and / or through the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise the generated OTP code.

In addition, the financial transaction system shown in Figure 13, characterized in that the financial transaction for the tax payment of the tax payment subject is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal (1355) (or Based on the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1355, or based on at least one encryption key included in the authentication certificate; Preferably, the method further includes encrypting the financial transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

The electronic payment number information preferably includes a classification number (or classification code) for distinguishing the plurality of tax items when paying a plurality of taxes through the virtual tax payment virtual account.

The tax payment virtual account information is a deposit-only virtual account of a tax management institution account opened through the illustrated virtual account opening system as a parent account, and preferably includes an account number (or a financial account alias, etc.).

The validity confirming unit 1325 checks whether the financial transaction request information received from the financial transaction terminal 1355 satisfies the validity for the tax payment of the tax payer.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the financial account is provided. When the account ledger (or the customer ledger corresponding to the financial account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

In addition, the validity check of the financial transaction request information includes an amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the financial transaction request information. It is preferable to include whether the amount is greater than the amount of the tax payment, and the validity of the financial transaction request information is preferably authenticated when the balance of the financial account is greater than the amount of the tax payment.

In addition, the validity of the financial transaction request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the financial account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 13, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed with the security code information. Security code information corresponding to the transaction authentication information, in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system corresponding to the financial account It is preferable to include a check whether the match, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable that the check is made to match with, and if the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 13, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1355, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 13, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include a, and when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the verification of the validity of the financial transaction request information is the account ledger (or the tax payment) for the tax payment virtual account corresponding to the tax payment virtual account information included in the financial transaction request information to the ledger D / B on the financial system It is preferable to include whether the mother account ledger corresponding to the virtual account is provided, and if the account ledger (or the mother account ledger corresponding to the tax payment virtual account) is provided, It is desirable that the validity be authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1330 pays the financial account information and the tax included in the financial transaction request information in connection with a financial system equipped with an account ledger corresponding to the financial account. It is characterized in that the financial transaction for the tax payment of the tax payment target based on the amount information, transaction authentication information, electronic payment number information, tax payment virtual account information.

According to the implementation method of the present invention, the financial transaction processing unit 1330 withdraws the amount corresponding to the tax payment amount information from the account ledger corresponding to the financial account information included in the financial transaction request information in connection with the financial system. It is preferable to process the deposit (that is, transfer from the financial account to the tax payment virtual account) to the virtual account corresponding to the tax payment virtual account information.

When the financial transaction for tax payment of the tax payee is processed by the financial transaction processor 1330, the information transmission unit 1320 is connected to the financial transaction processor 1330 to pay the tax for the tax payee. Generate a financial transaction processing history including any of financial transaction approval history or financial transaction error history for the financial transaction, and in connection with the interface unit 1305, recall the financial transaction result information including the financial transaction processing history; Characterized in that the transmission to the financial transaction terminal 1355 through a network means.

The financial transaction processing history may include the financial account information, the tax payment amount information, the electronic payment number information, the tax payment virtual account information, and an approval code (or an error code) for the financial transaction. Characterized in that further comprises.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1355 through the network means. The financial transaction result information may include the financial transaction. It is preferable that the information is encrypted similarly to the request information or transmitted to the financial transaction terminal 1355 with an electronic signature of the financial institution attached thereto.

Referring to FIG. 13, when the tax history paid by the tax payee is confirmed, the financial transaction server 1300 transmits the tax payment history to the tax management institution server in association with the information transmission unit 1320. Authorization processing unit 1340 (or approval processing means) for processing the payment history approval for the tax paid by the tax payee, tax payment virtual account information, electronic payment number information, payment for the approved tax payment history And an information storage unit 1345 (or information storage means) for linking and processing the amount information in the storage medium 1350.

The approval processing unit 1340 transmits the tax payment details to the tax management institution server in connection with the information transmission unit 1320, when the tax history paid by the tax payee is confirmed, and the tax payee paid It is characterized in that the processing of the deposit history approval for the tax.

In addition, when the approval for the tax paid by the tax payment subject is completed, the approval processing unit 1340 in conjunction with the financial institution server cancellation processing unit 1335 for the termination process of the virtual account given to the tax payment target. In connection with the characterized in that the termination of the tax payment virtual account processing.

According to the implementation method of the present invention, the approval process for the tax history paid by the tax payment subject is the electronic payment number according to the tax payment deposited into the tax payment virtual account and the tax payment amount is confirmed, the confirmed It is preferable to transmit the electronic payment number and tax payment amount information to the tax administration server for approval. If the tax administration server rejects the approval, return the deposited tax payment amount to the tax payee. Or, it is preferable to transmit information indicating that the return processing by means such as SMS.

According to another exemplary embodiment of the present invention, when the tax management agency provides the information (for example, electronic payment number and amount of money to be deposited for each electronic payment number) for the approval, the provided information and the tax payment are provided. It is preferable to compare the tax contents paid by the subject and to process the approval, and if the approval is rejected, return the deposited tax payment amount to the tax payer or send information indicating that the tax payment is returned by means of SMS or the like. It is preferable.

The information storage unit 1345 may process the tax payment virtual account information, the electronic payment number information, and the payment amount information for the approved tax payment details and store the information in the storage medium 1350.

According to the implementation method of the present invention, the payment history information storage according to the tax payment, the tax payment virtual account information according to the tax payment details paid by the tax payment target, and the tax payment with the tax payment virtual account information Preferably, the electronic payment number information and at least one payment amount information paid by the electronic payment number are included.

In addition, the stored payment history information may be classified and stored for each tax management institution (eg, for each local government, etc.) corresponding to the electronic payment number, and the present invention is not limited thereto.

In addition, the information stored in the storage medium 1350 may further provide an inquiry function using an electronic payment number (or a virtual account number) by a tax payee (or a tax authority). It is not limited.

14 is a diagram illustrating a process of processing a financial transaction for tax payment of a taxpayer in a non-face-to-face manner in order to pay tax of the taxpayer according to one embodiment of the present invention.

In more detail, FIG. 14 illustrates the case where the financial transaction server 1300 on the financial transaction system illustrated in FIG. 13 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server 1300 and connecting a communication channel for the financial transaction, the financial account information, tax payment amount information, transaction authentication information and the financial transaction server 1300 through the communication channel. When the financial transaction request information including the electronic payment number information and the tax payment virtual account information is transmitted, the financial account information and the tax payment amount information and the transaction included in the received financial transaction request information are transmitted from the financial transaction server 1300. Use the authentication information, the electronic payment number information, and the tax payment virtual account information to As a method for providing a fusion transaction, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 14 to finance the tax payment of the taxpayer in the non-face-to-face manner. Various implementation methods for the process of processing a transaction may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 14, the client terminal illustrated in FIG. 13 is referred to as a “terminal” for convenience, and the financial transaction server 1300 illustrated in FIG. 13 is referred to as a “server” for convenience.

Referring to FIG. 14, the terminal shown in FIG. 13 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, and And / or request a financial transaction for tax payment of the tax payee by accessing the server through an HSDPA-based wireless communication network and / or an IEEE 802.16x-based portable Internet, etc. (1400). User interface for inputting (or selecting) financial transaction request information including at least one of financial account information, tax payment information, transaction authentication information, electronic payment number information, and tax payment virtual account information for tax payment of taxpayers A web page including (or extracting) is generated and transmitted to the terminal through the communication channel and output (1405).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the user interface. (1410).

If the terminal receives (or selects) financial transaction request information including the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the user interface (1415). The terminal transmits the input (or selected) financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information to the server through the communication channel (1420). The terminal may transmit the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information to the server through the user interface through the communication channel. The electronic signature and / or the input (or selected) financial transaction request information through a security module (not shown) provided in the terminal It is expensive and further comprising sending to said server are preferred.

Here, the financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the financial account according to the intention of the skilled person) Customer Information File (CIF) number, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g. branch code), contact information (e.g., opening and in charge of the financial account) A contact person name, a contact person code, etc.).

The tax payment amount information includes a financial transaction amount transferred from the financial account for the tax payment of the tax payer, and the tax payment amount does not exceed the balance deposited in the financial account. It is characterized by.

The transaction authentication information is information for securing the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for tax payment of the tax payer. And at least one password corresponding to the financial account, or a password corresponding to the financial transaction.

Further, in the characteristic of the financial transaction system shown in FIG. 13, wherein the financial transaction for tax payment of the tax payee is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the financial account. It is preferable to further include at least one or more security code information provided in the provided security card, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, the financial transaction system shown in Figure 13, characterized in that the financial transaction for the tax payment of the tax payment subject is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal (1355) (or Based on the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1355, or based on at least one encryption key included in the authentication certificate; Preferably, the method further comprises encrypting the financial transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

The electronic payment number information preferably includes a classification number (or classification code) for distinguishing the plurality of tax items when paying a plurality of taxes through the virtual tax payment virtual account.

The tax payment virtual account information is a deposit-only virtual account of a tax management institution account opened through the illustrated virtual account opening system as a parent account, and preferably includes an account number (or a financial account alias, etc.).

Thereafter, the server receives and reads the financial transaction request information including at least one of the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the communication channel. Checking the validity of the financial transaction request information (1425), and confirming the validity of the financial transaction request information, the electronic signature and / or through the security module (not shown) provided with the financial transaction request information in the terminal; Or, if encrypted, further comprising decrypting the financial transaction request information, and / or decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account ledger (or the account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the financial account is provided. When the account ledger (or the customer ledger corresponding to the financial account) is provided, the validity of the financial transaction request information is determined. It is desirable to be authenticated.

In addition, the validity check of the financial transaction request information includes an amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the financial transaction request information. It is preferable to include whether the amount is greater than the amount of the tax payment, and the validity of the financial transaction request information is preferably authenticated when the balance of the financial account is greater than the amount of the tax payment.

In addition, the validity check of the financial transaction request information is provided on the account ledger provided in the general ledger D / B on the financial system in response to the various financial codes and the financial account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 13, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed with the security code information. Security code information corresponding to the transaction authentication information, in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system corresponding to the financial account It is preferable to include a check whether the match, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 13, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1355, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 13, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the verification of the validity of the financial transaction request information is the account ledger (or the tax payment) for the tax payment virtual account corresponding to the tax payment virtual account information included in the financial transaction request information to the ledger D / B on the financial system It is preferable to include whether the mother account ledger corresponding to the virtual account is provided, and, if the account ledger (or the mother account ledger corresponding to the tax payment virtual account) is provided, the financial transaction request information It is desirable that the validity of the certificate is verified.

If the validity of the financial transaction request information is not authenticated (1430), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1435), and the communication channel. In operation 1455, the financial transaction result information including the financial transaction processing history is transmitted to the terminal. The terminal outputs the financial transaction result including the financial transaction processing history (1460).

On the other hand, if the validity of the financial transaction request information is authenticated (1430), the server is linked with a financial system equipped with an account ledger corresponding to the financial account, the financial account information and tax payment included in the financial transaction request information. Based on the information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information, the financial transaction for tax payment of the tax payee is processed (1440).

According to the implementation method of the present invention, the financial transaction processing unit 1330 withdraws the amount corresponding to the tax payment amount information from the account ledger corresponding to the financial account information included in the financial transaction request information in connection with the financial system. It is preferable to process the deposit (that is, transfer from the financial account to the tax payment virtual account) to the virtual account corresponding to the tax payment virtual account information.

If a financial transaction corresponding to the financial transaction request information is processed (1445), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1450), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel (1455), and correspondingly, the terminal receives the financial transaction result including the financial transaction processing history. The screen is output (1460).

15A and 15B illustrate a process of processing a financial transaction for tax payment of a taxpayer in a non-face-to-face manner in order to pay tax of the taxpayer according to another embodiment of the present invention.

In more detail, FIGS. 15A and 15B illustrate that when the financial transaction system shown in FIG. 13 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, and the like, the client terminal transmits the predetermined financial transaction request information for the tax payment of the tax payer to the Internet banking server. When the financial transaction request information including information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information is transmitted, the financial transaction server 1300 is included in the received financial transaction request information. Financial account information, tax payment information, transaction authentication information, electronic payment number information, tax payment The present invention relates to a method of providing a financial transaction for tax payment of the tax payee using the account information. If the person of ordinary skill in the art belongs to the present invention, refer to FIGS. 15a and 15b. And / or may be modified to infer a variety of implementation methods for processing financial transactions for tax payment of a taxpayer in a non-face-to-face manner other than the Internet banking, but the present invention includes all such inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

That is, the browser program is connected to the Internet banking server through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation and / or Netscape Navigator Netscape Navigator, etc.) provided in the client terminal in FIGS. 15A and 15B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 15a and 15b, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. In financial transactions Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for request information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 15a and 15b, a telebanking system And / or financing corresponding to each non-face-to-face channel for financial transaction processing for tax payment of the tax payee in all other non-face-to-face banking systems including at least one or more of a wireless banking system and / or a TV banking system. While it would be possible to infer an implementation method of connecting trading channels, the present invention may be of any kind including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the future proposed non-face-to-face banking system. Including non-facing channel-based financial transactions, the technical configuration of the present invention is shown in FIGS. 15A and 15B. It is by no means limited to the case of Internet banking.

15A and 15B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server 1300 is referred to as a "server" for convenience.

15A and 15B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1500a), the server communicates between the terminal and the server through the browser. (1505a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1510a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (1515a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1520a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1525a), or if the terminal does not need to load and / or update the security module for internet banking (1515a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1530a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering financial transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering financial transaction request information in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more When the encryption is transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or an encryption algorithm) corresponding to the encryption method (and / or encryption algorithm). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1535a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1540a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (1545a).

If the Internet banking customer authentication fails (1550a), the server blocks the Internet banking security channel for the terminal (1555a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1550a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1560a), where Internet banking Based on the financial transaction channel is to transmit the financial transaction request information including at least one of the financial account information, tax payment amount information, transaction authentication information, electronic payment number information, tax payment virtual account information from the terminal to the server; Means a communication channel that can process the Internet banking-based financial transactions in the server.

Thereafter, the terminal requests an internet banking-based financial transaction for tax payment of the tax payee to the server through the financial transaction channel (1500b), and correspondingly, the server is responsible for tax payment of the tax payee. Generating a web page including a user interface for inputting (or selecting) financial transaction information, tax payment amount information, transaction authentication information, electronic payment number information, and financial transaction request information including at least one tax payment virtual account information ( Or extract), and transmits the extracted information to the terminal through the financial transaction channel (1505b).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the user interface. (1510b).

If the terminal receives (or selects) financial transaction request information including the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the user interface (1515b). The terminal transmits the input (or selected) financial account information, tax payment amount information, transaction authentication information, electronic payment number information, and tax payment virtual account information to the server through the financial transaction channel (1520b). The terminal transmits the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information to the server through the financial transaction channel. The financial transaction request information input (or selected) through the e-book through the security module (not shown) provided in the terminal And / or preferably encrypts further comprises sending to the server.

Here, the financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the financial account according to the intention of the skilled person) Customer Information File (CIF) number, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g. branch code), contact information (e.g., opening and in charge of the financial account) A contact person name, a contact person code, etc.).

The tax payment amount information includes a financial transaction amount transferred from the financial account for the tax payment of the tax payer, and the tax payment amount does not exceed the balance deposited in the financial account. It is characterized by.

The transaction authentication information is information for securing the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for tax payment of the tax payer. And at least one password corresponding to the financial account, or a password corresponding to the financial transaction.

Further, in the characteristic of the financial transaction system shown in FIG. 13, wherein the financial transaction for tax payment of the tax payee is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the financial account. It is preferable to further include at least one or more security code information provided in the provided security card, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, the financial transaction system shown in Figure 13, characterized in that the financial transaction for the tax payment of the tax payment subject is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal (1355) (or Based on the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1355, or based on at least one encryption key included in the authentication certificate; Preferably, the method further includes encrypting the financial transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

The electronic payment number information preferably includes a classification number (or classification code) for distinguishing the plurality of tax items when paying a plurality of taxes through the virtual tax payment virtual account.

The tax payment virtual account information is a deposit-only virtual account set as a tax management institution established through the virtual account opening system shown in the figure, and preferably includes an account number (or a financial account alias, etc.).

Thereafter, the server receives and reads the financial transaction request information including at least one of the financial account information, the tax payment amount information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information through the financial transaction channel. Confirming the validity of the financial transaction request information (1525b), and confirming the validity of the financial transaction request information, the electronic signature and the security transaction (not shown) is provided through the security module (not shown) provided in the terminal; And / or if encrypted, decrypting the financial transaction request information, and / or decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the financial account is provided. When the account ledger (or the customer ledger corresponding to the financial account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

In addition, the validity check of the financial transaction request information includes an amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the financial transaction request information. It is preferable to include whether the amount is greater than the amount of the tax payment, and the validity of the financial transaction request information is preferably authenticated when the balance of the financial account is greater than the amount of the tax payment.

In addition, the validity check of the financial transaction request information is provided on the account ledger provided in the general ledger D / B on the financial system in response to the various financial codes and the financial account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 13, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed with the security code information. Security code information corresponding to the transaction authentication information, in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system corresponding to the financial account It is preferable to include a check whether the match, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 13, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1355, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system illustrated in FIG. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the verification of the validity of the financial transaction request information is the account ledger (or the tax payment) for the tax payment virtual account corresponding to the tax payment virtual account information included in the financial transaction request information to the ledger D / B on the financial system It is preferable to include whether the mother account ledger corresponding to the virtual account is provided, and if the account ledger (or the mother account ledger corresponding to the tax payment virtual account) is provided, It is desirable that the validity be authenticated.

If the validity of the financial transaction request information is not authenticated (1530b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1535b), and the financial transaction. The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a channel (1555b). In response, the terminal outputs the financial transaction result including the financial transaction processing history (1560b).

On the other hand, if the validity of the financial transaction request information is authenticated (1530b), the server is linked with a financial system equipped with an account ledger corresponding to the financial account, the financial account information and tax payment included in the financial transaction request information. Based on the information, the transaction authentication information, the electronic payment number information, and the tax payment virtual account information, the financial transaction for tax payment of the tax payer is processed (1540b).

According to the implementation method of the present invention, the financial transaction processing unit 1330 withdraws the amount corresponding to the tax payment amount information from the account ledger corresponding to the financial account information included in the financial transaction request information in connection with the financial system. It is preferable to process the deposit (that is, transfer from the financial account to the tax payment virtual account) to the virtual account corresponding to the tax payment virtual account information.

If a financial transaction corresponding to the financial transaction request information is processed (1545b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1550b), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial transaction channel (1555b), and the terminal corresponding to the financial transaction result including the financial transaction processing history. Screen is output (1560b).

According to the present invention, when a taxpayer receives a virtual account when he pays tax, he pays taxes using it, and transfers it through a financial account in addition to the method of paying giro through an existing bill or paying the Internet by using the existing bill. It has the advantage of convenient tax payment.

According to the present invention, when using a method of paying taxes through a virtual account, since at least one virtual account is provided per taxpayer, there is an advantage that more efficient tax payment status management is possible.

For example, when a taxpayer processes a deposit into a virtual account, the amount of the deposit can be immediately inquired by the tax management institution, and the tax payment process can be efficiently performed using the same.

According to the present invention, when the taxpayer pays taxes using the Internet Giro (or Giro through a visit to a financial institution), the tax management is automatically and immediately processed, thereby providing an effective tax payment management.

Claims (6)

delete delete In the method of paying tax at the server of the financial institution, The first virtual account number for integrating and paying the taxes corresponding to the plurality of tax payment bills issued to the tax payees for each tax payer is transmitted to the tax authority server, and corresponds to the first virtual account number. Opening a first virtual account; When a tax payment amount for a plurality of tax payment bills is received through the first virtual account, the first virtual account is canceled after processing a plurality of tax payments for the tax payable person through the deposited tax payment amount. But When the tax payment request information for requesting to pay some of the plurality of tax payment notices included in the first virtual account number is received from the terminal of the tax payer, some tax payment notices corresponding to the received tax payment request information are received. After the second virtual account number for paying the tax corresponding to the number is transmitted to the tax administration server, a second virtual account corresponding to the second virtual account number is opened, and the tax payment is made through the first virtual account number. Canceling the first virtual account so that no payment is made; When the amount of the tax payment corresponding to the partial tax payment notice is received through the second virtual account, the sum of the amount of the amount deposited into the second virtual account and the partial payment request tax included in the tax payment request information is matched. Doing; And If the sum of the amount deposited into the second virtual account and the sum of the partial payment request taxes coincide, the tax through the second virtual account number is processed after the tax payment corresponding to the amount deposited into the second virtual account is processed. Terminating the second virtual account corresponding to the second virtual account number so that payment is not made; Tax payment processing method using a virtual account comprising a. The method of claim 3, wherein When the tax payment request information for the remaining taxes other than the tax deposited to the second virtual account number is received from the terminal of the tax payer, the tax corresponding to the remaining tax payment notice corresponding to the received tax payment request information is paid. Tax payment using a virtual account further comprises the step of opening a third virtual account corresponding to the third virtual account number after transmitting the third virtual account number to the tax management agency server Treatment method. A computer-readable recording medium having recorded thereon a program for executing the method of claim 3 or 4. delete

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