KR101274217B1 - method for classifying electronic document evidences of incomes and expenses, method for providing financial analysis, and recording media saving program implementing the same - Google Patents

Abstract

Provided are methods of classifying evidence and analyzing asset status of systems including mobile terminals, classification servers, asset management systems, and tax accounting systems. The method of classifying evidence data according to the present invention comprises the steps of receiving the predetermined proof information extracted from the evidence data from the mobile terminal, and classifying the evidence data into business or personal use by comparing the pre-registered classification criteria with the evidence information. And transmitting the classification result of the evidence to the tax accounting system. The classified expenditure evidence is sent to the tax accounting system and used as data for tax filing, and is used as basic data for generating financial analysis information of an operator or personal asset management information. According to the present invention, it is possible to reduce the business load of the tax accounting office and grasp the financial status of individuals and operators specialized in individual business owners.

Description

Classifying electronic document evidences of incomes and expenses, method for providing financial analysis, and recording media saving program implementing the same}

The present invention can automatically classify the income and expenses of individual business operators for business or personal use and transfer them to the tax accounting system to reduce the processing burden of tax accounting business and quickly grasp the company's financial analysis information and individual asset management information. The present invention relates to a method for automatically classifying supporting data and a recording medium storing a program therefor.

In addition, the present invention automatically generated financial status of individuals by using the classified evidence and predict the future financial status based on the financial status analysis method and program for recording the current consumption pattern to reflect the current consumption pattern It is about the medium.

In addition, the present invention analyzes the financial status of the operator using the classified evidence, but the financial status analysis to accurately predict the company's sales target by linking some of the individual's financial status data to the fixed spending items in the financial status of the operator The present invention relates to a recording medium storing a method and a program therefor.

The general accounting process of a tax accounting office for a sole proprietor is that the individual accountant collects evidence of income and expenditure for a certain period of time and passes it to the tax accounting office, which then looks at the evidence and provides the necessary information to the tax office. This is done by entering an accounting program and then performing an accounting or tax return.

However, it is customary for individual business owners who are busy with business to submit their documents to the tax accounting office due to the tax filing deadline.Therefore, the employees of the tax accounting office are concentrating their work for a certain period of time, resulting in heavy work stress. There is a problem that the work is delayed or a work error occurs.

In addition, the tax accounting office must check the documentary evidence submitted and input the necessary items into the tax accounting program by hand and manually classify whether each document is used for personal or business purposes before entering. It is a major cause of delays.

In addition, conventional evidence documents are merely used as evidence for accounting or tax filing, and thereafter, management's management to predict future asset size or set business goals by identifying cash flows and financial status of individuals or businesses. There is no example of using it as a basic resource.

The problem to be solved by the present invention is to recognize the documents of income or expenditure and to generate electronic evidence using them or to receive electronic evidence from financial systems such as banks, credit card companies, and the like It suggests a method of automatically classifying business owners or individuals according to the standard.

Another problem to be solved by the present invention is to propose a method to flexibly cope with the evolving communication environment by setting a variety of image generation subjects, data recognition subjects and automatic classification subjects from the evidence.

Another problem to be solved by the present invention is to use the classified evidence to grasp the individual's financial status and the current financial status of the business, and to predict the future financial status under certain conditions to reasonably adjust the individual's spending pattern or It is to suggest a way to accurately set the sales target of.

In order to solve the above problems, the present invention proposes as an embodiment a recording medium storing a method for classifying evidence data of a classification server and a program for implementing the same in a system including a mobile terminal, a classification server, and a tax accounting system.

In one embodiment, a classification method includes receiving predetermined evidence extracted from evidence data from the mobile terminal, classifying the evidence data into business or personal use by comparing the pre-registered classification criteria with the evidence information. And transmitting the classification result of the document to the tax accounting system.

In accordance with another aspect of the present invention, a method for classifying evidence data of a mobile terminal and a recording medium storing a program for implementing the same are provided as another embodiment.

In one embodiment, a classification method includes: extracting predetermined evidence information for classification from evidence data, classifying the evidence data for business or personal use by comparing a pre-registered classification criterion with the evidence information, and the evidence data. And transmitting the result of classification to the tax accounting system.

In the two embodiments, the predetermined proof information is information recognized by the mobile terminal from a digital image generated by photographing the document, or the mobile terminal parses a short message sent due to a credit card payment. It may be extracted information or information extracted from evidence provided in electronic form from at least one of the card company system, the IRS system and the bank system.

The proof information may include at least one of a business registration number, a trade name, a contact number, a payment date, a payment amount, a shortage item, a payment card number, a payment card company, a payment account number, and a payment bank of a supplier, a buyer or a merchant.

In this case, at least one of a business registration number, a trade name, a contact number, a shortage item, a payment card number, a payment card company, a payment account number, and a payment bank of a supplier, a buyer, or a merchant included in the evidence information is a pre-registered business partner. If the business registration number, business name, contact information, product list, payment card number, payment card company, payment account number, and the corresponding items among the payment banks can be classified as proof of expenditure for the business.

In addition, when the payment date and time of the evidence information belongs to the payment time zone of the pre-registered classification criteria, the document may be classified as proof of expenditure for the operator.

In addition, when the payment amount of the evidence information falls within the payment amount range of the pre-registered classification criteria, the document may be classified as proof of expenditure for the operator.

On the other hand, the evidence information may include at least one of a business registration number of the depositor, trade name, date and time of deposit, wage amount, deposit account number, deposit bank.

In this case, at least one of a business registration number, a trade name, a deposit account number, and a deposit bank of the depositor included in the evidence information may correspond to a corresponding item among the business registration number, trade name, deposit account number, and deposit bank of the pre-registered classification criteria. If there is a match, the supporting data can be classified as proof of business income.

In addition, when the deposit date and time of the evidence information belongs to the deposit date or the deposit period of the pre-registered classification criteria, the evidence data may be classified as proof of income for the operator.

In addition, when the deposit amount of the evidence information is within the deposit amount range of the pre-registered classification criteria, the evidence data may be classified as an import proof for a business operator.

In order to solve the above problems, the present invention proposes, as another embodiment, a recording medium storing a method for analyzing the financial status of the asset management system using evidence and a program for implementing the same.

In one embodiment, the method for analyzing the financial situation includes storing evidence on income and expenses of individuals and businesses, and a basis for analyzing the financial situation based on at least one of current assets, liabilities, and prospective expenditures for individuals and businesses. Inputting the information, constructing a personal financial statement showing the current and future cash flows and asset status by using the basic information of the individual and the evidence of the individual; Comprising the steps of constructing a financial statement for the operator showing the cash flow and asset status at the same time using the evidence of the operator, characterized in that the cash flow of the financial statement of the operator is linked to the cash flow of the personal financial statement do.

Herein, the cash flow of the personal financial statement includes an income part configured by using an individual's income proof among the evidence and an expense part configured by using an individual's expenditure proof among the evidence. In addition, the expenditure part is composed of a consumable expenditure part and a non-consumable expenditure part, wherein the consumable expenditure part and the non-consumable expenditure part include at least one detailed account item.

The asset status part of the personal financial statement includes an asset part and a debt part, and the asset part is linked with some or all of the detailed accounts included in the non-consumable expenditure part based on the individual asset information of the basic information. The debt part is configured in association with some detailed accounts of the non-consumable expenditure part based on the debt information of the individual among the basic information.

In this case, the method further comprises the step of modifying at least one value of the detailed accounts constituting the consumer expenditure part and the non-consumption expenditure part of the personal cash flow, and reconstructing the personal financial statement by reflecting the revised value. Include.

On the other hand, the cash flow of the financial statement for the business operator includes an income part composed of the proof of the income of the operator of the evidence, and an expense part composed of the proof of expenditure of the operator of the evidence.

The expenditure part of the operator cash flow is composed of a consumable expenditure part, a non-consumable expenditure part and a household expense part, wherein the consumable expenditure part and the non-consumable expenditure part include at least one detailed account item.

Here, the household expenses part of the operator cash flow is linked to the spending part of the personal cash flow.

The asset status part of the financial statement for the business operator includes an asset part and a debt part, and the asset part is configured in connection with some detailed accounts of the non-consumable expenditure part based on the asset information of the operator among the basic information. The debt part is configured in conjunction with some detailed accounts of the non-consumption expenditure part based on the debt information of the operator of the basic information.

Comprising the step of modifying at least one value of the detailed account constituting the expenditure part consumption or non-consumption expenditure part of the operator cash flow and the step of newly configuring the financial statement for the operator reflecting the modified value; Can be.

According to the embodiments of the present invention, it is possible to solve the problem that the work is heavy depending on the reporting period because it automatically classifies the evidence of import and expenditure history and provides the tax accounting system in real time or from time to time.

In addition, according to embodiments of the present invention, it is possible to flexibly cope with an evolving communication environment because the subject of generating the image of the document, the subject of data recognition from the image, and the subject of automatic classification can be set in various ways.

In addition, according to the embodiments of the present invention, since the opportunity to correct the misclassified income or expenses from the tax accounting system is provided with a feedback, the accuracy of the expenditure proof classification is improved in proportion to the number of times of use.

In addition, according to the general accounting process, the transaction management-> journal entry-> ledger record-> pre-treatment process is required to identify the asset status (financial statements), but according to the asset management system of the present invention, proof of expenses and income Almost simultaneously with the input of evidence, asset status is automatically generated, enabling fast asset management.

In addition, according to the embodiments of the present invention, the cash flow and asset status are arranged together in one screen in configuring the financial status of the individual and the business operator, thereby satisfying the needs of cost expenditure grasp and assets and liabilities grasp simultaneously.

In addition, according to the embodiments of the present invention, the cash flow constituting the financial situation is divided into consumption expenditure and non-consumption expenditure, and the consumption expenditure and non-consumption expenditure are further divided into detailed items, thereby establishing an individual future asset plan or Identify in detail which items you need to adjust to set your company's management goals.

In addition, according to the embodiments of the present invention, by automatically reflecting some items of the personal financial status as fixed cost-spending factors of the operator's financial status, the margins that must be predicted when setting future sales targets for surplus management must be considered. Can be.

1, 9, 12, and 15 show the system configuration of each embodiment for implementing the method of classifying evidence according to the present invention.
2, 10, and 13 illustrate the configuration of a mobile terminal included in the document data classification system of each embodiment.
3 and 4 show examples of expense evidence imaged by the camera module.
Figure 5 shows an example of a credit card payment history short message received in the mobile terminal, Figure 6 shows an example of the account transfer history short message received in the mobile terminal.
7, 11, and 16 illustrate a configuration of a classification server included in the document data classification system of each embodiment.
8 and 14 show the configuration of the tax accounting system included in the document data classification system of each embodiment.
17 is a block diagram showing the configuration of an example of an asset management system.
FIG. 18 illustrates a screen example in which a personal financial state is output in a tabular format, and FIG. 19 illustrates a modified financial state when some accounts are modified in the financial state of FIG. 18.
20 illustrates an example of a screen output of a business operator's financial status in a tabular format, and FIG. 21 illustrates a modified financial status when some accounts are modified in the financial status of FIG. 20.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, parts irrelevant to the description are omitted to clearly describe the present invention, and the same reference numerals are used for the same parts throughout the specification.

Whenever a component is referred to as "including" an element throughout the specification, it is to be understood that the element may include other elements, not the exclusion of any other element, unless the context clearly dictates otherwise. In addition, the terms “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software, or a combination of hardware and software.

Throughout the specification, 'expenditure proof' is a general term that refers to physical proof documents and electronic documents for various expenses paid by individual businesses, including credit card purchase slips, simplified receipts, tax invoices, cash receipts, and transfer confirmations. .

Throughout the specification, 'import proof' is a term used to collectively refer to physical proof documents and electronic documents for regular income such as payroll, and irregular income such as short-term services and sales.

Throughout the specification, the term "evidence document" is a term referring to both the proof of expenditure and the proof of income.

Throughout the specification, the term 'mobile terminal' refers to a cellular phone (Cellular Phone), PDA (Personal Digital Assistant), smart phone (PC), digital camera, navigation, PMP (built-in camera module) It may correspond to any one of a Personal Multimedia Player, a Notebook PC, and a Desktop PC.

Throughout the specification, the term 'recording medium' refers to a nonvolatile memory, and includes a portable memory such as a data CD, a USB memory, a memory stick, a memory card, a hard disk, a floppy disk, and a static memory. Non-portable memory (SRAM).

<Example 1>-Extract information from the mobile terminal and perform classification in the classification server

Embodiment 1 relates to a technology for classifying evidence data for a business operator or individual when a document is taken by a camera module embedded in a mobile terminal, the predetermined information is extracted from the photographed image, and sent to a classification server. .

1 shows a system configuration of Embodiment 1 for implementing the method of classifying evidence according to the present invention. The document data classification system according to the embodiment of FIG. 1 includes a mobile terminal 100-1, a classification server 200-1, a tax accounting system 300, and / or an asset management system 400.

Role and configuration of mobile terminal 100-1

The mobile terminal 100-1 generates an image by photographing evidence and transmits predetermined information recognized from the generated image to the classification server 200-1 through a broadband mobile communication network, short-range wireless communication, or wireless LAN. do.

2 illustrates the configuration of a mobile terminal 100-1 included in the document data classification system of the first embodiment.

In FIG. 2, the mobile terminal 100-1 includes an input unit 110 for selecting a desired function or receiving information, and a display unit 120 for displaying various information in the process of operating the mobile terminal 100-1. And a transmission / reception module 150 for receiving an external signal or transmitting data to a receiving side, a memory for storing various system programs and applications required for the mobile terminal 100-1 to operate, and data to be transmitted to the receiving side. And a voice processing unit 170 for converting and amplifying a digital voice signal into an analog voice signal and outputting the amplified voice signal to a speaker SP or amplifying a voice signal from a microphone MIC and converting the digital voice signal into a digital signal. The controller 180 controls the overall driving of the device 100-1.

The input unit 110 may be implemented by a contact method such as a keypad or a touch screen or a non-contact method such as voice recognition, which is just one example and is not limited to the input method.

The transmission / reception module 150 is a broadband mobile communication protocol such as CDMA, GSM, WCDMA, Wibro, Wimax, and / or a wireless LAN protocol of IEEE 11 series (WiFi, etc.) and / or Bluetooth, infrared communication (IrDA), and Zigbee. The wired / wireless communication with the classification server 200-1 is performed by using a short range wireless communication protocol such as ZigBee and / or a serial wired communication protocol such as USB or RS-232C.

In particular, the mobile terminal 100-1 of the first embodiment includes a camera module 130 and a recognition module 140.

That is, the camera module 130 captures and images the documentary evidence, and the recognition module 140 extracts predetermined information for the operator or individual from the image of the documentary document. The recognition module 140 uses an optical character reader (OCR) solution to extract predetermined information from an image or a solution that recognizes a QR code (Quick Response code) or bar code (Bar code) included in the image. Can be used. In addition, the recognition module 140 parses the short message (SMS) sent from the card company in accordance with the payment by credit card to extract predetermined information.

3 and 4 illustrate the proof of expenditure in the evidence documented by the camera module 130 as an example.

The example of FIG. 3 shows an image of a simplified receipt. Recognition module 140 using the OCR solution or QR code recognition solution in the simplified receipt image of Figure 3 supplier or buyer's business registration number, trade name, date of creation (or the month of the bottom), the total supply price (or bottom amount of money) ), At least one of items, and quantities are recognized and converted into text.

The example of FIG. 4 shows an image of a card sales slip. Recognition module 140 recognizes at least one of the merchant ID, member number, month, amount, merchant name, merchant phone number in the card sales slip image of FIG.

In addition, Figure 5 shows an example of the payment history short message of the credit card received in the mobile terminal (100-1). In the screen example of FIG. 5, the recognition module 140 parses the short message to extract a credit card name, payment date, payment amount, and merchant name.

The transmission / reception module 150 transmits the recognized or extracted predetermined information to the classification server 200-1. Hereinafter, the recognized or extracted predetermined information will be referred to as 'evidence information'. In addition, the recognition module 140, if there is a case where there is overlap between the evidence information recognized using the credit card sales slip and the extracted information extracted using the short message, only one of the evidence information is classified server 200-1. The transmission / reception module 150 may be notified to transmit the data.

Meanwhile, the mobile terminal 100-1 of FIG. 2 is an example of a mobile communication terminal of a cellular phone or a smart phone, but is not necessarily limited to the mobile communication terminal, and the camera module 130 is recognized. Any portable terminal including the module 140 and the transmission / reception module 150 may correspond to the mobile terminal 100-1.

Of classification server 200-1  Role and configuration

The classification server 200-1 classifies the corresponding revenue or expenditure for business or personal by applying a predetermined criterion stored in a database built in advance to the supporting information received from the mobile terminal 100-1.

7 illustrates a configuration of a classification server 200-1 included in the document data classification system of the first embodiment.

The transmit / receive module 210 may include at least one of communication protocols (broadband mobile communication protocol, wireless LAN protocol, short-range wireless communication protocol, and wired serial communication protocol) used by the mobile terminal 100-1 to communicate with the mobile terminal 100-1. Support the same one). In addition, the transceiver module 210 supports various Internet protocols (TCP / IP, HTTP, FTP, etc.) to communicate with the tax accounting system 300 and / or the asset management system 400.

The transmission / reception module 210 transmits the result of classification of evidence data of the classification server 200-1 to the tax accounting system 300 and / or the asset management system 400 using the communication protocol. Here, the "classification result of the evidence data" is a concept that includes an identifier for distinguishing whether the evidence data is for personal use or business use and evidence information received from the mobile terminal 100-1.

The transmission / reception module 210 may transmit a corresponding classification result whenever there is a classification of evidence data (real time method), or may group the classification results accumulated for a certain period into one at a time (batch method).

The classification module 220 compares the evidence information received from the mobile terminal 100-1 with a predetermined classification criteria database 20 to be divided into personal and business use. The classification criteria database 20 includes at least one of a customer DB 21, an expenditure item DB 22, an expenditure time DB (not shown), a card company DB (not shown), and a withdrawal bank DB (not shown) for the classification of the proof of expenditure. It may include one, and may include at least one of a deposit destination DB (not shown), a deposit time DB (not shown), and a deposit bank DB (not shown) for classification of proof of income. Here, the expenditure time DB and the deposit time DB may store information such as time, expiry date, day of the week, holiday, anniversary, national holiday, and other holiday.

First, the principle of classifying expenditure evidence among evidences is explained as follows.

If the proof of expenditure is the simplified receipt of FIG. 3 and the supplier or purchaser's business registration number, trade name, date of creation, total supply cost, and item are recognized, the classification module 220 receives the corresponding proof of expenditure according to the following criteria. It can be classified for personal or business use.

In the first example, assuming that the user using the document classification method of the present invention is a building business operator, the business number or trade name of the recognized supplier or purchaser is searched in the customer DB 21, and as a result, the seller of the building material or construction If it turns out that you are registered as a designer, it usually makes sense to be a business expense rather than a personal expense.

To this end, when the user registers the business number or trade name of the supplier or the buyer in advance in the customer DB 21, the user designates the "evidence classification" field of the corresponding DB 21 as "expense for business operators." If, as a result of searching the business number or trade name of the recognized supplier or purchaser in the customer DB 21, it is determined that it is not yet registered, the classification module 220 provides a predetermined dialog window or input screen to classify the user. It is desirable to enter the results directly. In addition, it may further provide a process for registering the business number or trade name of the unregistered supplier or buyer in the customer DB (21).

As a second example, as a result of searching the business number or trade name of the recognized supplier or buyer in the customer DB 21, it is determined that the restaurant is a restaurant, and the result of searching the expenditure item DB 22 for the recognized total supply cost and items If it turns out to be a low priced food, it is usually reasonable to spend money on private meals rather than spending on hospitality.

To this end, when the user registers the total supply cost and the item in the expenditure item DB 22, the user designates the "evidence classification criteria" field of the DB 22 as "30,000 won". In this case as well, if the recognized supply cost and items are searched in the expenditure item DB 22, and it is determined that they are not yet registered, the classification module 220 provides a predetermined dialog or input screen to classify the user. It is desirable to enter the results directly. In addition, it is preferable to further provide a process for registering the unregistered supply cost totals and items in the expenditure item DB (22).

As a third example, as a result of searching the business number or trade name of the recognized supplier or buyer in the customer DB 21, it is found to be a tavern, and the recognized supply cost amount is retrieved from the expenditure item DB 22. As a result, if it turns out to be relatively high, and the recognized date of expenditure is searched in the expenditure time DB (not shown), and it is found that it was spent at midnight time, it is usually not a personal expense, but rather an entertainment of the customer. Spring is justified as spending.

To this end, when the user registers the total supply cost in the expenditure item DB 22, the user designates the field "evidence classification criteria" of the DB 22 as "30,000 won," and the expenditure date is the expenditure time DB. When registering at the time), for example, the "expiration time criteria" field of the corresponding DB 23 is designated as "21:00". In this case, as a result of retrieving the recognized expenditure date from the expenditure time DB (not shown), and if it is determined that it is not yet registered, the classification module 220 provides a classification dialog or an input screen to provide the classification result to the user. It is preferable to input directly. In addition, it is preferable to further provide a process for registering the unregistered expiration date of the expenditure in the expenditure time DB (not shown).

If the proof of expenditure is a credit card sales slip of FIG. 4 and the merchant ID, merchant registration number, merchant name, transaction date, total, and product name are recognized from the image, the classification module 220 accompanies the case of the above simple receipt. In a simple way, the proof of expenditure can be classified as either personal or business. In other words, the merchant registration number (or merchant ID), merchant name, transaction date, total, and product name of the merchant in the credit card sales slip are the supplier's or buyer's business registration number, trade name, date of creation, total supply price, and items in the simplified receipt. Correspondingly, the above three criteria can be used to classify the proof of expenditure as either personal or business.

If the proof of expenditure is the credit card settlement short message of FIG. 5 and the transaction date, payment amount, and merchant name are extracted from the message, the extracted information corresponds to the date of preparation, supply cost, and trade name of the simplified receipt. The module 220 may classify the proof of expenditure into personal or business owners using the three criteria described above.

In the present specification, a specific example of expenditure proof has been described in the case of using a simple receipt, a credit card sales slip, and a credit card payment short message. The examples can be applied or applied in a similar way. In particular, the information recognized in the proof of expenditure differs from the supplier's or buyer's business registration number, trade name, date of creation, total supply cost, items and expressions, and it is not necessary to carry out a documentary classification using the same items. Obviously, the items can be used as the basis for supporting classification.

Next, a description of the classification principle of the import evidence of the evidence document as follows.

It is assumed that a user opens an account in a plurality of banks or opens a plurality of accounts for the same bank, and arbitrarily divides an account classified by bank or each account of the same bank into a business account and a personal account.

If the proof of expenditure is the bank statement short message of FIG. 6 and the bank name or the account number is extracted from the message, the classification module 220 searches the bank name DB or the account number DB stored in advance and checks whether the bank name is personal. I can tell whether it is a dragon.

In addition, the classification method in the case where an account or a bank is not distinguished for individual use and a business use is as follows.

That is, when the deposit date and the amount of money are extracted from the short message of the bank transfer history, if the deposit is made on a date other than the salary date of the company, the income is more likely to be a business income (for example, sales) than a personal income. Therefore, the extracted deposit amount may be compared with the personal income range determined in the pre-stored deposit amount DB, and if the income range is exceeded, it may be determined as income for the business operator, and if it falls within the income range, it may be determined as occasional personal income.

As another example, when a deposit date and a deposit amount are extracted from a short message in a bank statement, if the deposit is made on a date before a holiday and the deposit amount is within the personal income range set in the deposit amount DB (eg bonus) Can be judged.

As another example, when the payer (Dae-myung Co., Ltd. in Figure 6) is extracted from the short message of the bank transfer history, compared to the depositor DB that stores the extracted depositor in advance, whether the depositor is the customer or worked temporarily Find out if it's a company. If the extracted depositor is a customer, the proof of income is classified as user's income (eg sales). If the extracted depositor is currently working company, the income proof is classified as personal income (eg regular salary). If the extracted depositor is a company that worked temporarily, the proof of income may be classified as personal income (for example, part-time fee).

In the above, an example of performing classification when the proof of import is a short message of the bank transfer history has been described. However, even when the proof of import is the bank transfer history provided by the banking system, the proof information extracted from the bank transfer history includes the account. Since the information is extracted from the short message of the transfer history, the classification principle of the import proof is also the same.

Meanwhile, when the classification server 200-1 notifies the tax accounting system 300 and / or the asset management system 400 of the classification result of the evidence, the tax accounting system 300 and / or the asset management system 400. The manager (or tax accounting practitioner) of the company reviews the reported classification results to determine if there has been a misclassification. And if a misclassified case is found, the information of the proof of expenditure is notified to the classification server 200-1.

When the check module 230 arrives at the expense account information that is misclassified from the tax accounting system 300 or the asset management system 400, a warning window or a warning message is displayed on a display unit (not shown) provided in the classification server 200-1. It sends a short message to inform the user or to inform the mobile terminal (100-1) through a short message server (not shown) of the mobile communication network. In addition, the confirmation module 230 may provide a predetermined chat window or an input screen to allow the user to correct the classification result of the misclassified expenditure.

The update module 240 is a related DB (account DB 21, expenditure item DB 22, expenditure time DB (not shown), card company of the reference item (recognized evidence information) that caused the expense was misclassified DB (not shown), withdrawal bank DB (not shown), deposit destination DB (not shown), deposit time DB (not shown) and deposit bank DB (not shown) Ensure that the cases or deposits are classified without errors.

Role and composition of tax accounting system 300

The tax accounting system 300 applies the classification result of the evidence data received from the classification server 200-1 to the tax accounting program for the operator. Tax accounting program is a generic term for software that has a function for processing taxation and / or a function for processing accounting. The tax accounting system 300 may be arranged in an accounting firm (or a tax accounting office) but may be arranged in its own company.

8 illustrates a configuration of a tax accounting system 300 commonly applied to embodiments of the present invention.

The transmission / reception module 310 supports various Internet protocols (TCP / IP, HTTP, FTP, etc.) to communicate with the classification server 200-1. The transmission / reception module 310 receives the classification result of the evidence data from the classification server 200-1 using the communication protocol, and transmits the result of the classification to the review module 320.

In addition, the transmission and reception module 320, if a request for tax processing information or accounting processing information is received from the classification server 200-1, transfers it to the tax accounting processing module 330, and the information processed from the tax accounting processing module 330 Received and transmitted to the classification server (200-1). In this case, the tax accounting processing module 330 may be implemented as a tax accounting program for processing a tax task or an accounting task using a classification result of the evidence data received from the classification server 220-1.

The review module 320 provides the manager (or tax accounting practitioner) of the tax accounting system 300 or the asset management system 400 with the result of the classification of evidence of the classification server 200-1 on the screen. Or provide a user interface (UI) that allows the tax accounting practitioner) to review the classification results of the evidence on the screen and to select a misclassified expenditure and notify the corresponding user (expenditure). do.

Such a UI may include a listing UI for displaying the classification results of the evidence on the screen, a check box for selecting at least one misclassified expenditure, a selection UI for reversing rows, and a selection for the selected expenditure (s). It may include at least one of a notification UI, such as a button, a menu for indicating a user notification.

According to another embodiment, the review module 320 may classify the classification result of the evidence data of the classification server 200-1 while being connected to a predetermined tax accounting management guide DB (not shown), and store the predetermined result stored in the tax accounting management guide DB. Automatically compare to criteria and find misclassified expenses according to comparison results. The expenditures found are notified to the user (expenditure) by the administrator or automatically. In the tax accounting management guide DB, predetermined criteria for the expenditure for the individual and the individual expenditure presented by the tax accounting office or the IRS are stored.

The review module 320 according to the present embodiment includes a listing UI for outputting the classification results of the evidence on the screen, a check box for selecting at least one misclassified expenditure, a selection UI for inverting rows, and the like. At least one of a notification UI such as a button, a menu, etc. for instructing a user notification regarding (s) may be selectively provided.

Role of Asset Management System 400

The asset management system 400 analyzes and manages the financial status of the individual and the financial status of the business operator by using the classification result of the evidence data received from the classification server 200-1. Detailed description of the configuration of the asset management system 400 will be described later in Example 5.

Example 2 Simultaneously extracting and classifying information in a classification server

In Embodiment 2, when an image of documentary evidence photographed by a mobile terminal or scanned by a scanner is transmitted to a classification server, the classification server extracts predetermined information from the image of documentary evidence and classifies it as a business or personal use using the same. It is about. In the second embodiment, the mobile terminal and the scanner are merely means for generating proof data as digital images, and the classification server is responsible for recognizing predetermined information from the generated images.

9 shows a system configuration of Embodiment 2 for implementing the method of classifying evidence according to the present invention. The document data classification system according to the embodiment of FIG. 9 includes a mobile terminal 100-2 or a scanner 600, a classification server 200-2, a tax accounting system 300, and / or an asset management system 400. It is made to include.

Role and configuration of mobile terminal 100-2

The mobile terminal 100-2 photographs the evidence and generates an image, and transmits the generated image to the classification server 200-2 through a broadband mobile communication network, a short range wireless communication, a wireless LAN, and a wired serial communication. FIG. 10 illustrates a configuration of the mobile terminal 100-2 included in the document data classification system of the second embodiment.

In FIG. 10, the input unit 110, the display unit 120, the camera module 130, the transmission / reception module 150, the memory unit 160, the voice processing unit 170, and the control unit included in the mobile terminal 100-2 are illustrated in FIG. 180 is the same as the corresponding respective components of the above-described mobile terminal 100-1. However, there is a difference in that the mobile terminal 100-2 of the second embodiment does not include the recognition module 140 compared to the mobile terminal 100-1 of the first embodiment.

Role and configuration of classification server 200-2

The classification server 200-2 extracts predetermined information from the image of the proof data received from the mobile terminal 100-2, compares the extracted information with a pre-established database, and stores the corresponding evidence for the business or individual. Classify.

11 illustrates a configuration of a classification server 200-2 included in the document data classification system of the second embodiment.

The transmission / reception module 210 uses the same communication protocol (at least one of a broadband mobile communication protocol, a wireless LAN protocol, and a wired / wireless serial communication protocol) used by the mobile terminal 100-2 to communicate with the mobile terminal 100-2. Support. In addition, the transmission and reception module 210 supports various Internet protocols (TCP / IP, HTTP, FTP, etc.) to communicate with the tax accounting system 300 or the asset management system 400.

The transmission / reception module 210 transmits the classification result of the evidence data of the classification server 200 and the extracted evidence information to the tax accounting system 300 or the asset management system 400 using the communication protocol. The transmission / reception module 210 may transmit the classification result every time there is a classification of evidence data (real time transmission), or may group the classification results accumulated for a certain period into one at a time (batch transmission).

Recognition module 250 is the same as the recognition module 140 of the first embodiment, the predetermined information from the image of the evidence received from the mobile terminal (100-2) in order to classify the evidence into any of the business or personal use Extract. The recognition module 250 may use an OCR solution or a QR code or barcode recognition solution to extract certain information from the image. In addition, the recognition module 140 parses the short message (SMS) received from the card company by credit card payment and extracts predetermined information.

The classification module 220 is a pre-built account DB 21, expenditure item DB 22, expenditure time DB (not shown), card company DB (not shown), withdrawal banks for the information recognized or extracted by the recognition module 250 Compare the at least one of the DB (not shown), the deposit destination DB (not shown), the deposit time DB (not shown), and the deposit bank DB (not shown) to identify the identifier of the expenditure for the operator or the identifier of the personal expenditure for the corresponding proof of expenditure. Grant. Since the detailed operation of the classification module 220 is the same as that described in Embodiment 1, redundant description thereof will be omitted. In addition, operations of the confirmation module 230 and the update module 240 are also the same as those of the first embodiment.

The role and configuration of the tax accounting system 300 and / or asset management system 400 is also the same as the description of the first embodiment, and overlapping description thereof will be omitted.

<Example 3>-perform both shooting and sorting by mobile terminal

The third embodiment relates to a technique for performing all photographing of evidence, extraction of information from an image, and classification of corresponding evidence in a mobile terminal.

FIG. 12 shows a system configuration of Embodiment 3 for implementing a method for classifying evidence according to the present invention. The document data classification system according to the embodiment of FIG. 12 includes a mobile terminal 100-3, a tax accounting system 300, and / or an asset management system 400.

Role and configuration of mobile terminal 100-3

The mobile terminal 100-3 generates an image by photographing documentary evidence, extracts predetermined information from the generated image, and classifies the documentary evidence for business or personal use by using it, and classifies the classification result of the documentary evidence. Transmission to the tax accounting system 300 and / or asset management system 400 through a broadband mobile communication network or a wireless LAN. FIG. 13 shows the configuration of a mobile terminal 100-3 included in the document data classification system of the third embodiment.

In FIG. 13, an input unit 110, a display unit 120, a camera module 130, a recognition module 140, a transmission / reception module 150, a memory unit 160, and a voice processing unit included in the mobile terminal 100-3. 170 and the controller 180 are basically the same as the corresponding components of the above-described mobile terminal 100-1. However, the mobile terminal 100-3 of the third embodiment further includes a classification module 191 as compared to the mobile terminal 100-1 of the first embodiment, and optionally includes a confirmation module 192 and an update module 193. The difference is that it can contain more. In addition, the memory unit 160 of the mobile terminal (100-3) is compared to the memory unit 160 of the first embodiment customer DB (161), expenditure item DB 162, spending time DB (not shown), card company DB ( The difference is that at least one of the bank, DB (not shown), deposit destination DB (not shown), deposit time DB (not shown), and deposit bank DB (not shown) are further stored.

The transmission / reception module 150 uses the communication protocol to classify the proof data of the classification module 191 and the proof information recognized by the recognition module 140 in the tax accounting system 300 and / or the asset management system 400. To be sent).

The transmission / reception module 150 may transmit the classification result every time there is a classification of expenditure evidence, or may bundle the classification results accumulated for a certain period into one and transmit them at once. In addition, the transmission and reception module 150 transmits the notification about the misclassified expenditures from the tax accounting system 300 to the display unit 120 to be recognized by the user.

The role and configuration of the classification module 191 is basically the same as the classification module 220 included in the classification server 200-1 or 200-2 of the first or second embodiment, and the customer of the memory unit 160. DB 161, expenditure item DB 162, expenditure time DB (not shown), card company DB (not shown), withdrawal bank DB (not shown), deposit destination DB (not shown), deposit time DB (not shown) and Deposit bank DB (not shown) is a customer DB (21), spending item DB (22), spending time DB (not shown), card company DB (not shown) included in the classification server (200-1, 200-2), The same applies to the withdrawal bank DB (not shown), the deposit destination DB (not shown), the deposit time DB (not shown), and the deposit bank DB (not shown).

That is, the classification module 191 stores the evidence information extracted or recognized by the recognition module 140 in advance in the established customer DB 161, the expenditure item DB 162, the expenditure time DB (not shown), and the card company DB (not shown). Compare the document with at least one of withdrawal bank DB (not shown), deposit destination DB (not shown), deposit time DB (not shown) and deposit bank DB (not shown), and classify the evidence as business or personal use. Generates classification result of supporting data by assigning identifier of. Since the operation of the classification module 191 is the same as described in the first and second embodiments, redundant descriptions thereof will be omitted.

The confirmation module 192 notifies the user through the display unit 120 when the information of the misclassified evidence data arrives from the tax accounting system 300. In addition, the confirmation module 192 may provide a predetermined chat window or an input screen to allow the user to correct the classification result of the misclassified evidence document.

The update module 193 may include a related DB (account DB 161, expenditure item DB 162, expenditure time DB (not shown), card company DB (not shown) of the reference item (evidence information) that caused the expenditure to be misclassified. (Not shown), withdrawal bank DB (not shown), deposit destination DB (not shown), deposit time DB (not shown), and deposit bank DB (not shown). To be classified without errors.

The basic role and configuration of the tax accounting system 300 and the asset management system 400 are the same as those of the first embodiment, and the overlapping descriptions are only partially different because the counterpart of the data communication is the mobile terminal 100-3. Is omitted.

<Example 4>-Automatic classification by receiving full text or scraping data

Example 4 receives an electronic form of evidence from at least one of a card company system, an IRS system and a banking system, classifies it as a business operator or individual, and provides evidence not provided by the systems (card company system, IRS system and banking system). The data relates to a technique for performing classification by the method of Examples 1 to 3.

The term 'electronic evidence' refers to a bundle of digital information about each item of the evidence (e.g., supplier or buyer's business registration number, trade name, date of creation, supply price, items, etc.) Specific examples include the payment details of certain accounts provided by the banking system, such as the approval details (or the details of the card purchases) provided by the card company system, the electronic cash receipt provided by the IRS system, the electronic tax invoice, and the electronic invoice. Evidence in electronic form may be provided in full-text form or in the form of certain database files (eg mdb, txt, xls, dat, xml, etc.) and may be collected by a screen scraping mechanism. It may be.

In addition, the banking system is not necessarily limited to a system operating in the first financial sector, but a concept including a system operated by a savings bank, a credit cooperative, a securities company, and the like.

15 shows the system configuration of the fourth embodiment.

The document classification system of FIG. 15 includes a mobile terminal 100-1, a classification server 200-4, a tax accounting system 300, and / or an asset management system 400, and a card company system 510. It further includes at least one of the National Tax Service system 520, the bank system 530. Although FIG. 15 illustrates the mobile terminal 100-1 of the first embodiment, this is only one example. Instead, the mobile terminal 100-2 of the second embodiment or the mobile terminal 100-3 of the third embodiment is shown. This may be adopted.

The roles and configurations of the mobile terminals 100-1, 100-2, and 100-3, the tax accounting system 300, and / or the asset management system 400 are the same as described in the first to third embodiments, and thus are classified here. The description focuses on the server 200-4.

16 shows the configuration of a classification server 200-4 included in the document data classification system of the fourth embodiment.

The transceiving module 210-4 transmits a communication protocol (at least one of a broadband mobile communication protocol, a wireless LAN protocol, and a wired / wireless serial communication protocol) used by the mobile terminal 100-1 to communicate with the mobile terminal 100-1. Support the same. In addition, the transmission and reception module 210-4 may be used to communicate with at least one of the card company system 510, the National Tax Service system 520, and the bank system 530. Various Internet protocols (TCP / IP, HTTP, FTP, etc.), dedicated network protocols ( X.25, etc.). In addition, the transmission and reception module 210 supports various Internet protocols (TCP / IP, HTTP, FTP, etc.) to communicate with the tax accounting system 300 or the asset management system 400.

The transmission / reception module 210-4 receives the evidence information from the mobile terminal 100-1 using the communication protocol and transmits the classification result of the evidence to the tax accounting system 300 and / or the asset management system 400. send. The transmission / reception module 210 may transmit the classification result every time there is a classification of evidence, or may bundle the classification results accumulated for a certain period into one at a time.

In addition, the transmission and reception module 210-4 may be a full-text format or a predetermined database file (mdb, txt, xls, dat) from at least one of the card company system 510, the IRS system 520, and the bank system 530. , xml, etc.) may be received, or the document data may be captured and connected to at least one of the card company system 510, the IRS system 520, and the bank system 530 through a screen scraping mechanism. Screen scraping is a technique for automatically extracting only a necessary portion of data output on a web page, and is used when the target system to capture provides an Internet web site.

The classification module 220-4 may be configured with pre-established account DB 21 that includes evidence supporting information sent from the mobile terminal 100-1 or evidence data provided from the card company system 510, the IRS system 520, and the banking system 530. ), Expenditure item DB (22), expenditure time DB (not shown), card company DB (not shown), withdrawal bank DB (not shown), deposit destination DB (not shown), deposit time DB (not shown) and deposit bank DB Compared to at least one of (not shown), classified as business or personal use. Since the detailed operation of the classification module 220-4 is the same as that described in Embodiments 1 to 3, overlapping description thereof will be omitted. In addition, operations of the confirmation module 230 and the update module 240 are also the same as those of the first embodiment.

On the other hand, Figure 15 shows a system configuration of the fourth embodiment applying the first embodiment, but is not necessarily limited to this, although not shown in a separate drawing, the fourth embodiment applying the second embodiment or the third embodiment is also Anyone of ordinary skill in the art can apply the analogy.

In other words, the system of the fourth embodiment applying the second embodiment includes a mobile terminal 100-2 or a scanner 600, a classification server 200-2, a tax accounting system 300, and / or an asset management system ( 400, and further include at least one of the card company system 510, the National Tax Service system 520, and the bank system 530. At least one of the card company system 510, the National Tax Service system 520, and the bank system 530 is connected to the classification server 200-2 through the Internet or a dedicated network.

In addition, the fourth embodiment of the system applying the third embodiment includes a mobile terminal 100-3, a tax accounting system 300, and / or an asset management system 400, and the card company system 510 and the IRS system. 520, the bank system 530 further includes at least one. At least one of the card company system 510, the IRS system 520, and the bank system 530 is connected to the mobile terminal 100-3 through a mobile communication network or the Internet.

In the fourth embodiment, the classification server 200-4 is not necessarily directly connected to the card company system 510, the IRS system 520, and the banking system 530, but is located at the front of each system. For example, it may be connected through a VAN company system (not shown).

Example 5 Asset Management System

The fifth embodiment relates to a specific role and configuration of an asset management system that collectively manages the financial status of individuals and operators by using supporting information classified for the purpose of use for individuals or businesses.

Here, the evidence information may refer to the classification result of the evidence data transmitted from the classification server 200-1, 200-2, 200-4 or the mobile terminal 100-3, and is manually input by the user. It may also point to a detailed item (e.g., each item constituting the evidence information) of the evidence. In other words, in the asset management system according to the fifth embodiment, the documented information for which the use is classified does not matter what is classified through any path (sorted by handwriting or automatic sorting). Hereinafter, for convenience of description, the asset management system 400 applied to the first to fourth embodiments will be described as an example.

17 is a block diagram showing a configuration of the asset management system 400.

The asset management system 400 of FIG. 17 includes a transmission / reception module 410, an input module 420, an individual financial status analysis module 430, a business operator financial status analysis module 440, and a financial information database 450.

The transmission / reception module 410 supports various Internet protocols (TCP / IP, HTTP, FTP, etc.) to communicate with the classification servers 200-1, 200-2, 200-4, or the mobile terminal 100-3. It supports a predetermined communication protocol (at least one of a broadband mobile communication protocol, a wireless LAN protocol, and a wired / wireless serial communication protocol) for communication.

The transmission / reception module 410 receives the classification result (or supporting information) of the proof data from the classification server 200-1, 200-2, 200-4 or the mobile terminal 100-3 and sends it to the financial information database 450. Save it.

In addition, the transmission and reception module 410 may optionally further include a function for transmitting to the tax accounting system 300, the supporting data classified for the operator. In this case, the classification server (200-1, 200-2, 200-4) or the mobile terminal (100-3) is modified and implemented to transmit the classification result of the evidence to the asset management system 400, asset management The system 400 is preferably implemented to transmit only those classified for the operator among the evidences received to the tax accounting system 300.

The input module 420 provides an algorithm and a UI for receiving basic data for analyzing the financial status of individuals and operators from a user.

As a specific example, the input module 420 is a basic data for analyzing an individual's financial status, and includes family information (family name, gender, date of birth, marital status, the expected time of marriage, expected cost of marriage, income, income growth rate, UI for receiving input of expected time of retirement, children's education expenses, expected age of child's marriage, parent's expense in marriage, etc.).

In addition, the current asset status (present value and expected return of deposits, insurance, securities, etc., present value and depreciation of real estate, automobiles, etc.) and current debt status ( It provides a UI for inputting at least one of loan type, repayment method, loan amount, loan interest rate, loan year month, repayment month, loan purpose, etc.).

In addition, the received basic data is stored in the financial information database 450. In addition, when the asset management system does not receive the supporting information from the classification server 200-1 or 200-2 or the mobile terminal 100-3, the input module 420 inputs supporting information from the user in addition to the basic data. You can provide more algorithm and UI to receive.

The personal financial status analysis module 430 outputs an individual's financial status as a predetermined table and / or a predetermined graph using basic data stored in the financial information database 450 and supporting information classified as 'personal'.

18 illustrates in detail a screen example of outputting an individual's financial status in a tabular format.

As shown in the example of FIG. 18, the individual's financial status is largely divided into a cash flow part (income statement) and an asset status part (balance sheet) and displayed together on one screen, and the family displaying the family status and age on the same screen. The scheme may additionally be displayed.

By displaying the cash flow part and the asset status part together on one screen, the individual's financial statement can be used not only as a household account or a similar role, but also as a comprehensive life plan that combines the concept of assets and liabilities. In other words, by indicating the cash flows of an individual's income and expenditures to see if there is a balance between income and expenditure in a particular month (or a particular year), while the income and expenditure is conclusively determined by that month (or that year). I can figure out how much my assets and liabilities are in). Hereinafter, the individual financial statement will be described in detail, focusing on the cash flow part and the asset status part.

Cash flow part

The cash flow part can be further subdivided into income and expense parts.

The personal financial analysis module 430 reads information about the family member's regular income (for example, regular salary, etc.) and irregular income (for example, short-term part-time job, bonuses, etc.) from the financial information database 450. Construct the income part of the future and build the future income part based on the current income and a predetermined weight (eg, expected wage growth). Herein, specific examples of the regular income and the non-regular income may include all types of income despite the name.

In addition, the personal financial status analysis module 430 reads the proof of expenditure of the year or the month from the financial information database 450 to construct the expenditure part, the current expenditure and the predetermined future previously input as basic information. Construct future expenditure parts based on supporting information (eg, funding for marriage, home purchases, etc.) and a predetermined weight (eg, expected inflation growth rate). The future income part and the future expenditure part are referred to together as the estimated cash flows.

The expenditure part consists of two parts: consumer expenditure and non-consumption expenditure. Consumption expenditure is extinguished at the same time as expenditure, whereas non-consumption expenditure differs in that assets increase or debt decreases.

On the other hand, the details of consumer spending and non-consumption expenditure can be displayed in a specific manner, which allows the user to know what the ratio of consumption expenditure and non-consumption expenditure is, and specifically how much expenditure has occurred on which items. You can figure out at a glance.

Asset Status part

The asset status part is further divided into an asset part, a debt part and a capital part.

The personal financial status analysis module 430 reads the asset information such as periodic payment, periodic deposit, real estate, vehicle, insurance, etc. among the basic information previously stored in the financial information database 450, and debt information such as loans and the current asset part. And a debt part, and a future asset state part (estimated asset state) is applied by applying the current cash flow and a predetermined predetermined weight (for example, the depreciation ratio of the real estate).

Asset status part is automatically configured in conjunction with the details of the non-consumption expenditure has the advantage that the possibility of input error is essentially blocked.

That is, when non-consumption expenditures are included in the cash flow part, at the same time, the amount of the corresponding account among the asset items in the statement of financial position automatically increases or the amount of the corresponding account among the debt items automatically decreases. In the case of 10 million won, if the regular payment is estimated as 500,000 won due to non-consumption expenditure, 500,000 won is automatically added to the periodic payment account of the asset category, and the accumulated amount of the regular payment is calculated to 10 million won. As another example, when repaying the loan principal, the interest portion immediately disappears as consumable expenditure, but the principal portion is divided into non-consumption expenditures and is automatically reflected as a reduction in debt in the asset state part.

In addition, income from borrowing is reflected in income of cash flow parts, but also in liabilities of asset status parts, so that income is generated and debt is increased at the same time.

On the other hand, if the sum of income and expenditure does not coincide in the cash flow part, there may be surpluses in the assets of the asset state part or surplus liabilities in liabilities. In other words, surplus acid is generated when the amount of income is greater than the amount of expenditure and surplus liabilities are generated when the amount of money is greater than the amount of income.

Surplus acid is an indicator of the possibility of additional savings or additional investment, in which surplus funds are generated due to an increase in income or a decrease in expenditure at a certain point in time. Therefore, if surplus acid is incurred, it is necessary to examine whether there are any funds that cannot be identified because they are being spent for unclear purposes.

Surplus liabilities are those cases in which additional liabilities are incurred due to a number of reasons (eg, pre-set financial targets, such as marriage preparation funds) that increase beyond income. Net surplus decreases when surplus liabilities arise, so an efficient financing plan can be made by predicting when surplus liabilities will occur using estimated asset conditions.

Capital parts, on the other hand, are structured to reflect the yearly increase in assets and liabilities. The initial capital is calculated by deducting the total liabilities from the total assets, which is the same as the net asset amount. From the following year, the net assets of the previous year become capital stock, which reflects the increase in assets and the decrease of liabilities.

The financial statements of the individuals described above will be described below with specific examples.

That is, in FIG. 18, consumable expenditure items such as living expenses, children 1, children 2, loan interest, etc. are reflected in the surplus liabilities of the surplus assets among the detailed items of the asset or the details of the debt and are based on the current consumption expenditure. If you find that you are unable to achieve your net worth goal at some point in the future, you may want to fine-tune your current spending pattern by fine-tuning at least one of these expenditure items to achieve that goal. You can motivate yourself to change.

In contrast, non-consumption expenditures such as 'period savings, insurance claims, loan principal', etc. in FIG. 18 are items that directly affect the assets or liabilities shown at the bottom of the table. Therefore, the personal financial status analysis module 430 reads the expenditure proof information of 'personal expenditure' from the financial information database 450, configures the cash flow part of the personal financial status, and automatically reflects the non-consumable expenditure items of the cash flow. Construct the asset status part of the individual financial position.

As a specific example, the personal financial statement analysis module 430 is a savings rate, savings due date, insurance, which is read from the financial information database 450 in the 'regular savings', the insurance money, among the non-consumption expenditure items of the cash flow part in FIG. 18. By automatically applying information such as the rate of return and the insurance due date, it configures the 'periodical savings' and 'insurance' items in the asset section of the asset status part.

For example, when excluding the interest rate of the periodical fund in FIG. 18, 2010 is the first year to be accumulated and the 2010 regular amount accumulated in 2010 is 3 million won, so the 2010 regular amount of the asset part is 3 million won, and the next year is 2011 The annual reserve is 3.6 million won, so the 2011 regular amount of the asset part is estimated at 6.6 million won (= 3 million won + 3.6 million won). In addition, the insurance premium paid up to 2010 in the asset part is set at 3.2 million won, and in the case of non-consumption expenditures, the fixed income is fixed at 1.2 million won, so the expected cumulative insurance premium in 2011 is 4.44 million won (= 3.2 million won + 1.2 million won) Is calculated as

On the other hand, the personal financial analysis module 430 may be expressed in the form of a graph to enable a more intuitive grasp using the data of the personal financial status calculated and displayed on the principle as described above. The shape of the graph may be variously expressed as a bar graph, a line graph, a circle graph, and the like, and the form of the graph is not limited.

As described above, the personal financial status analysis module 430 can divide the financial status of the individual into cash flows and asset status and provide them together on one screen to understand the status of their own assets while understanding the pattern of cost expenditure. Make sure You can use pre-estimated weights to identify future cash flows and asset status, so you can check your asset plan for the future and design how you might want to improve your current spending patterns to create specific target assets. Help Users are strongly motivated to change their current spending patterns by estimating the amount of assets that will be formed at a certain point in the future and adjusting the value of certain items of consumable or nonconsumable expenditures if they are less than their plans. .

Specifically, assuming that the user has set a goal to purchase a vehicle worth 50 million won by 2020, first, the financial statement of FIG. 18 will be output to determine the current financial condition. However, according to FIG. 18, according to the current consumption pattern, it can be confirmed that the net assets of 2020 are only 13.35 million won, so how can the goal be achieved if the consumption pattern is changed? Therefore, it is necessary to find a way to reduce consumption expenditure or increase income which is not recognized as an asset. First, a method of changing the detailed account of the consumption expenditure part in FIG. 18 may be used. FIG. 19 illustrates a revised financial statement of the case of changing the cost of living account in FIG. 18. According to FIG. 19, if the current cost of living can be reduced by about 300,000 won, the net assets of 2020 will increase to 18,407 million won. It is easy to see that the goal is almost achieved (18,407,000-13,358,000,000 = 50,490,000 won). Therefore, the user will actively seek ways to reduce the cost of living by about 300,000 won in the current consumption pattern to achieve the goal.

Next, the operator financial status analysis module 440 uses the basic data stored in the financial information database 450 and the expenditure proof information of 'expenditure for the operator' to convert the financial status of the operator into a predetermined tabular or predetermined graph format. Output

20 illustrates in detail a screen example of outputting a financial state of a business in a tabular format.

As shown in FIG. 20, the financial status of the business operator is largely divided into the cash flow part and the asset status part and displayed together on one screen as in the individual financial status. In addition, the cash flow part may be divided into consumption expenditure and non-consumption expenditure, and each subitem of the consumption expenditure and the non-consumption expenditure may be displayed in detail.

Since the principle of composition of the cash flow part and the asset status part is similar to that of the individual's financial statement, the description of overlapping items is omitted.

Since the cash flow and asset status are displayed together on one screen, like the above-described personal financial situation, the operator's financial status of the present invention is not limited to simply being used to identify expenditures and expenses, but combines the concept of assets and liabilities. It can be used as a comprehensive management reference. In other words, by displaying the cash flows of the operator's income and expenses, how much sales were in a particular month (or in a particular year), how much the expenses were and how much was the balance between income and expenses such as sales In the meantime, revenues and expenditures can provide insights into the assets and liabilities of the operators in the month (or year).

In terms of expenditures, the expenditure and expenditure items of the expenditure are specifically classified so that the ratio of the expenditure and the expenditure of expenditure and the expenditure of expenditure can be identified at a glance. .

In addition, in the case of individual business owners, it is necessary to include personal expenses (or household expenses) in the company's expense factor to determine whether the net profit has actually occurred in the company. The household spending item (or personal spending) is included in addition to the consumer spending item and the non-consumable item. By treating household spending items similarly to fixed costs of consumable expenditures and setting future sales targets, the operator can accurately determine the actual amount of sales to make a real net profit by setting the sales target high enough as the portion of household spending.

For example, fixed costs such as labor costs, electricity costs, and rental fees, and variable costs such as product purchase costs, vehicle maintenance costs, payment fees, tax bills, entertainment, meals, etc., are consumer spending items that are directly related to assets or liabilities. As such, it is meaningful in that it is the primary adjustment target for the expenditure pattern for future net profit generation.

Cash flow Part of  Household expenses item

The 'household cost' of the cash flow part is not directly related to assets or liabilities because it can be treated as the same concept as the fixed cost of total expenditures. However, since 'household cost' is the same as the 'total expenditure' item of the cash flow part calculated in the individual financial situation, the operator's financial status analysis module 440 calculates the personal financial status calculated by the personal financial status analysis module 430. You can get the value of the 'Expenditure Total' column from and automatically apply it to the 'Family Cost' column. More detailed description is as follows.

In the case of sole proprietorships, the company must generate profits to bring real income to the household. Nevertheless, while good and bad business coexist, monthly household expenses are inevitable. No matter how difficult a business is to prepare for this, the minimum sales that must be achieved for a family's livelihood must be achieved. For this purpose, when calculating the total amount of cash flow expenditure in the financial status of the operator, the 'family expenses' of the individual financial status should be regarded as the fixed cost of the company and always reflected. Such a household expense item reflects the expenditure part of the cash flow part of the personal financial statement as it is. As a specific example, the detail or total of the part indicated by the blue block in FIG. 18 is reflected in the blue block of FIG. 20 as it is.

This allows the business operator to more reasonably calculate the estimated annual and monthly sales amount, taking into account the mandatory expenditure estimates of individual households when making annual / monthly business plans. In addition, the input module 420 of the asset management system 400 is a UI that allows the user to selectively specify the details of the 'household cost' (the details of the expense item in the individual's financial statement) reflected in the financial statement of the operator. It can provide more.

Returning to the description of FIG. 20 again, the assets section such as 'normal deposit, savings' and the debt section such as 'loan repayment, installment' are non-consumable expenditure items that affect the assets or liabilities displayed at the bottom of the table. Accordingly, the operator's financial status analysis module 440 reads the expenditure evidence information of 'operational expenditure' from the financial information database 450, and configures consumable and non-consumable expenditure items in the cash flow part of the operator's financial status. From the calculated personal financial situation, the item 'Expenditure Total' is composed to construct a household expense item. In addition, it automatically reflects the non-consumption expenditure items of cash flows to form the asset status part of the operator's financial status.

As a specific example, among the non-consumption expenditure items in the cash flow part, 'normal deposit' and 'storage' are configured to be automatically reflected in the 'normal deposit' and 'save' among the asset items in the asset status part. 'Loan repayment' is configured to be automatically reflected in the corresponding 'loan repayment' among the liability items of the asset status part.

For reference, the initial value of each item in the asset category (normal deposit, savings, inventory, deposit, non-equipment, vehicle port, etc.) and the initial value of each item in the debt category (loan payment, lease deposit, etc.) Values are values pre-stored as basic data in the financial information database 450.

In addition, the asset status part of the business entity's financial position may further include at least one of capital items, net asset items, and liabilities and total capital, and capital, net assets, liabilities and total capital are automatically calculated according to the relationship between assets and liabilities. do. In the example of FIG. 19, 'capital' of November 2010 is a value stored in advance in the financial information database 450 as a base data, and the sum of the amounts of non-consumable expenditure items newly added as assets in the month is 'increase in assets'. The sum of the amount of non-consumption expenditures canceled for the month is displayed in 'Debt Reduction'. In addition, the total assets minus total liabilities for the month are displayed in the Net Assets column, and the total liabilities and net assets for the month are displayed in the Liabilities and Equity Totals.

Meanwhile, the operator's financial status analysis module 440 further provides an estimated financial status that predicts cash flows and asset status by month or year in advance. The operator financial status analysis module 440 may apply a predetermined expected weight to the cash flow and / or the asset status to calculate the estimated financial status. Since the same principle as the personal financial analysis module 430 is applied, redundant description will be omitted.

The operator financial status analysis module 440 may be expressed in a graph form to enable more intuitive grasp using the data of the personal financial status calculated and displayed according to the above principle. The shape of the graph may be variously expressed as a bar graph, a line graph, a circle graph, and the like, and the form of the graph is not limited.

As described above, the operator's financial status analysis module 440 divides the company's financial status into cash flows and asset status and provides them together on one screen, thereby identifying the pattern of expense expenditure while identifying the company's asset status (or profit structure). Provide insight.

By using preset estimated weights to identify future cash flows and asset status, it is a good idea to look ahead at future asset sizes and revenue plans for them, and how to improve current spending patterns to create specific target assets. Help you design better.

Users will be able to predict the revenue structure that will be formed at a certain point in the future and develop a reasonable plan to generate substantial net revenue by adjusting the value of certain items of consumable or non-consumable expenditures or by raising sales targets.

As a specific example, in the financial statement of the business operator of FIG. 20, in 2022, the business operator planned the total capital (or net assets) of 560 million won as a business goal. The results show that the business goals cannot be achieved. Therefore, the cash flow part of the individual financial statement or the operator financial statement is modified to check some items of the expenditure part to check whether the goal is achieved.

According to FIG. 21, according to the above modification, the operator's financial statement shows that the annual sales to be additionally added to the increase in the household expenses can be automatically added to achieve the business target (560 million won) in 2022.

In Examples 1 to 5, the classification server 200-1, 200-2, 200-4 or the classification module 191 of the mobile terminal immediately transmits the proof of expenditure classified as business expenses to the tax accounting system 300. Although the technical configuration which was described was demonstrated, it is not necessarily limited to this. That is, when the classification server 200-1, 200-2, 200-4 or the classification module 191 of the mobile terminal transmits both the expenditure proof of business expenses and the proof of expenditure of personal expenses to the asset management system 400 first. In addition, the asset management system 400 may be implemented to selectively transmit only the proof of expenditure classified as business expenses among the tax accounting system 300.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims (42)

In a method of classifying evidence data of a classification server in a system including a mobile terminal, a classification server, and a tax accounting system,
Receiving predetermined proof information extracted from evidence data from the mobile terminal;
Classifying the document as a business operator or an individual by comparing the pre-registered classification criteria with the evidence information; And
Transmitting the classification result of the evidence to the tax accounting system;
Method of classifying supporting data including. The method of claim 1,
And the predetermined evidence information is information recognized by the mobile terminal from the image of the evidence data. The method of claim 1,
And the predetermined evidence information is information extracted by parsing a short message sent by the mobile terminal due to a credit card payment. The method of claim 3,
Receiving electronic documentary evidence from at least one of a card company system, an IRS system and a banking system; And
Extracting predetermined evidence information from the electronic documentary evidence;
Method of classifying evidence further comprising a. 5. The method of claim 4,
The evidence information includes at least one of a business registration number, a trade name, a contact number, a payment date, a payment amount, a shortage item, a payment card number, a payment card company, a payment account number, and a payment bank of a supplier, a buyer or a merchant. How to classify evidence. The method of claim 5, wherein the classifying of the evidence data comprises:
At least one of a business registration number, a trade name, a contact number, a shortage item, a payment card number, a payment card company, a payment account number, and a payment bank of a supplier, a buyer, or a merchant included in the evidence information is registered as a business entity based on the pre-registered classification criteria. A method of classifying documentary evidence, characterized in that the documentary evidence is classified as proof of expenditure for the business operator if it matches the corresponding item among the number, trade name, contact number, payment item, payment card number, payment card company, payment account number and payment bank. The method of claim 5, wherein the classifying of the evidence data comprises:
And when the payment date of the evidence information belongs to a payment time period of the pre-registered classification criteria, classifying the evidence data as a proof of expenditure for a business operator. The method of claim 5, wherein the classifying of the evidence data comprises:
And if the payment amount of the evidence information falls within the payment amount range of the pre-registered classification criteria, classifying the evidence data as a proof of expenditure for the business operator. 5. The method of claim 4,
The evidence information classification method of the evidence, characterized in that it comprises at least one of the business registration number of the depositor, trade name, date and time of payment, wage amount, deposit account number, deposit bank. The method of claim 9, wherein the classifying of the evidence data comprises:
If at least one of the beneficiary's business registration number, trade name, deposit account number, and deposit bank is included in the evidence information, it matches the corresponding item among the business registration number, trade name, deposit account number, and deposit bank of the previously registered classification criteria. And classifying the document as proof of income for the business operator. The method of claim 9, wherein the classifying of the evidence data comprises:
And when the deposit date of the evidence information belongs to a deposit date or a deposit period of the pre-registered classification criteria, classifying the evidence data as business income proof. The method of claim 9, wherein the classifying of the evidence data comprises:
And when the deposit amount of the evidence information is within the deposit amount of the pre-registered classification criteria, classifying the evidence data as an import proof for a business operator. The method of claim 1,
And receiving feedback from the tax accounting system for review of the classification result of the evidence. The method of claim 13,
And if the review details include payments that are incorrectly classified, providing a user with an input screen for correcting a classification result or classification criteria of the incorrectly classified payments. A computer-readable recording medium storing a program for implementing the method of classifying evidence according to any one of claims 1 to 14. In the method of classifying evidence data of a mobile terminal,
Extracting predetermined evidence information for classification from the evidence data;
Classifying the document as a business operator or an individual by comparing the pre-registered classification criteria with the evidence information; And
Transmitting the classification result of the evidence to the tax accounting system;
Method of classifying supporting data including. 17. The method of claim 16,
And the predetermined evidence information is information recognized by the mobile terminal from the digital image generated by photographing the evidence data. 17. The method of claim 16,
And the predetermined evidence information is information extracted by parsing a short message sent by the mobile terminal due to a credit card payment. 19. The method of claim 18,
Receiving electronic documentary evidence from at least one of a card company system, an IRS system and a banking system; And
Extracting predetermined evidence information from the electronic documentary evidence;
Method of classifying evidence further comprising a. 20. The method of claim 19,
The evidence information includes at least one of a business registration number, a trade name, a contact number, a payment date, a payment amount, a shortage item, a payment card number, a payment card company, a payment account number, and a payment bank of a supplier, a buyer or a merchant. How to classify evidence. The method of claim 20, wherein the classifying the evidence data comprises:
At least one of a business registration number, a trade name, a contact number, a shortage item, a payment card number, a payment card company, a payment account number, and a payment bank of a supplier, a buyer, or a merchant included in the evidence information is registered as a business entity based on the pre-registered classification criteria. A method of classifying documentary evidence, characterized in that the documentary evidence is classified as proof of expenditure for the business operator if it matches the corresponding item among the number, trade name, contact number, payment item, payment card number, payment card company, payment account number and payment bank. The method of claim 20, wherein the classifying the evidence data comprises:
And when the payment date of the evidence information belongs to a payment time period of the pre-registered classification criteria, classifying the evidence data as a proof of expenditure for a business operator. The method of claim 20, wherein the classifying the evidence data comprises:
And if the payment amount of the evidence information falls within the payment amount range of the pre-registered classification criteria, classifying the evidence data as a proof of expenditure for the business operator. 20. The method of claim 19,
The evidence information classification method of the evidence, characterized in that it comprises at least one of the business registration number of the depositor, trade name, date and time of payment, wage amount, deposit account number, deposit bank. The method of claim 24, wherein the classifying of the evidence data comprises:
If at least one of the beneficiary's business registration number, trade name, deposit account number, and deposit bank is included in the evidence information, it matches the corresponding item among the business registration number, trade name, deposit account number, and deposit bank of the previously registered classification criteria. And classifying the document as proof of income for the business operator. The method of claim 24, wherein the classifying of the evidence data comprises:
And when the deposit date of the evidence information belongs to a deposit date or a deposit period of the pre-registered classification criteria, classifying the evidence data as business income proof. The method of claim 24, wherein the classifying of the evidence data comprises:
And when the deposit amount of the evidence information is within the deposit amount range of the pre-registered classification criteria, classifying the evidence data as an import proof for a business operator. A computer-readable recording medium storing a program for implementing the method of classifying evidence according to any one of claims 16 to 27. In the financial status analysis method of asset management system using evidence data,
Storing evidence of income and expenses of individuals and businesses;
Receiving at least one of current assets, liabilities and prospective expenditures for individuals and businesses as basic information for analyzing the financial situation;
Constructing a personal financial statement showing both current and future cash flows and asset status by using the basic information of the individual and the evidence of the individual;
Comprising a step of constructing a financial statement for the operator showing the cash flow and asset status at the same time using the basic information of the operator and the evidence of the operator,
The cash flow analysis of the financial statement table for the business operator, characterized in that the cash flow of the personal financial statement table, characterized in that the financial management of the asset management system. The cash flow of claim 29, wherein the cash flow of the personal financial statement is
The financial data analysis method of the asset management system, characterized in that it comprises an income part consisting of the proof of income of the individual of the evidence, and an expense part consisting of the proof of expenditure of the individual of the evidence. 31. The method of claim 30,
The spending part consists of a consumable expenditure part and a non-consumable expenditure part,
The consumable expenditure part and the non-consumable expenditure part include at least one detailed account item. 32. The method of claim 31,
The asset status part of the personal financial statement includes an asset part and a debt part,
The asset part is configured in conjunction with some or all of the detailed account included in the non-consumption expenditure part based on the asset information of the individual among the basic information,
The debt part is financial status analysis method of the asset management system, characterized in that it is configured in connection with all or part of the detailed account of the non-consumable expenditure part based on the individual debt information of the basic information. 33. The method of claim 32,
The difference between the sum of the cash flows and the sum of expenses is reflected in either the surplus account of the asset part or the surplus liability account of the debt part. 34. The method of claim 33,
Modifying at least one value of detailed accounts constituting the consumable expenditure part and the non-consumable expenditure part of the personal cash flow; And
The financial status analysis method of the asset management system, characterized in that further comprising the step of newly constructing the personal financial statement reflecting the modified value. 31. The method of claim 30, wherein the cash flow of the financial statement for the business operator,
The financial part analysis method of the asset management system, characterized in that it comprises an income part composed of the proof of the income of the evidence document, and the expenditure part composed of the proof of the expenditure of the evidence document. 36. The method of claim 35,
The expenditure part of the operator cash flow is composed of a consumable expenditure part, a non-consumable expenditure part and a household expense part,
The consumable expenditure part and the non-consumable expenditure part include at least one detailed account item. 37. The method of claim 36,
The household expenses part of the cash flow of the operator is linked to the expenditure part of the personal cash flow, the financial status analysis method of the asset management system. 39. The method of claim 37,
The asset status part of the business statement financial statement includes an asset part and a liability part,
The asset part is configured in conjunction with some or all of the detailed account included in the non-consumption expenditure part based on the asset information of the operator of the basic information,
The debt part is financial status analysis method of the asset management system, characterized in that it is configured in conjunction with some or all of the detailed account included in the non-consumption expenditure part based on the debt information of the operator of the basic information. The method of claim 38,
The difference between the sum of the income and expenditure of the cash flow of the operator is reflected in either the surplus account of the asset part or the surplus liability account of the debt part. 40. The method of claim 39,
Modifying a value of at least one of detailed accounts constituting a consumable expenditure part or a nonconsumable expenditure part of the operator cash flow; And
The financial status analysis method of the asset management system, characterized in that further comprising the step of newly constructing the financial status table for the operator reflecting the modified value. 30. The method of claim 29,
And transmitting evidence of the income and expenditure of the operator among the evidences to a tax accounting system connected to the asset management system. A computer-readable recording medium storing a program for implementing the method for analyzing financial status of any one of claims 29 to 41.

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