KR101633974B1 - Apparatus for filling in card usage statement and method thereof - Google Patents

Abstract

The apparatus for generating a card usage statement according to an embodiment of the present invention includes a storage unit for storing a form of a card usage statement for use of a card and user information, a photographing unit for photographing a card payment receipt and obtaining a payment receipt image, The form of the card usage statement is attached, the payment receipt image is attached to the corresponding field, the usage destination information and the time information are acquired from the payment receipt image, the usage history, the time information, and the previously stored user information are inputted into the corresponding fields A control unit for instructing to generate a card usage statement, and a communication interface unit for transmitting the final card usage statement to an administrator through a card specification management server.

Description

[0001] APPARATUS FOR FILLING IN CARD USAGE STATEMENT AND METHOD THEREOF [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus and method for generating a card usage statement, and more particularly, to an apparatus and method for generating a card usage statement that facilitates creation and transmission of a card usage statement through an application installed in the terminal.

A corporate card is a credit card issued to a corporation. It is a card issued for the purpose of enhancing transparency of corporate expenses and using the credit card obligations stipulated in the tax law. In addition, it may receive various benefits including the magnitude of the expense, the use and timing of the expense, and proof of the aftermath.

Especially since 2001, the use of corporation cards has been increased due to the recognition of the expenditure amount in the tax law. Corporate cards can be used for purchases of equipment, equipment, office equipment, consumables, entertainment expenses, welfare benefits, insurance and vehicle-related expenses, and other education and advertising expenses.

There are two types of corporation cards: corporation public card and corporation individual card. The corporate public card is issued by the corporation's credit, and only the name of the corporation is inscribed on the card. The corporate individual card is a card used by the employees of the corporation. It is withdrawn only to the corporation account, and the corporation collects the settlement of accounts and the liability collectively.

 On the other hand, the company uses corporate card regulations stipulating guidelines for the use of corporate cards. The Corporate Card Provision requires that employees who use corporation public cards report their use of the payment to the assignor or manager in order to increase the transparency of their use. At the time of report, please list the subject of use, report of use and expenditure resolution, and attach the corporate card use application form together.

All receipts of the corporate card used to report the payment of the corporate card shall be retained. In addition, after using the card, the card usage statement must be prepared and submitted along with the receipt. However, it is troublesome to write the use date and time of use in the card usage statement. In addition, there is a problem in that it is difficult to report immediately when practicing, and sometimes the receipt is lost or the usage history is forgotten. In addition, since the user himself creates it, the payment history can be manipulated according to the user's intention.

It is an object of the present invention to provide an apparatus and method for generating a credit card usage statement that facilitates settlement reporting of a corporate card through an application of the card usage statement generating apparatus.

Another object of the present invention is to increase the reliability of a card usage statement by generating and transmitting a card usage statement including a card receipt, evidence, and position and time information at the time of payment.

For this purpose, the card usage statement generating apparatus according to an embodiment of the present invention includes a storage unit for storing a form of a card usage statement for use of a card and user information, a photographing unit for photographing a card payment receipt and obtaining a payment receipt image, And a payment receipt image is attached to the corresponding field, the usage information and the time information are obtained from the payment receipt image, and the user information, the time information, and the stored user information are input in the corresponding fields And a communication interface unit for transmitting the final card usage statement to an administrator through a card specification management server.

The apparatus for generating a card usage statement according to an embodiment of the present invention includes a step of activating the application in accordance with a drive command of an application, Acquiring a payment receipt image; loading a form of a previously stored card use statement; attaching the payment receipt image to the card usage statement loaded; Generating a final card usage statement by inputting user information pre-stored in a corresponding field of the card usage statement; and recording the final card usage statement in a card specification To the administrator terminal through the management server The method comprising the steps of:

According to the present invention, it is possible to generate a card usage statement by a simple operation at the time of payment of a corporate card, and make it possible to report to a manager, thereby increasing the convenience of the payment reporter.

The application can automatically generate the card usage statement at the time of payment of the corporate card, so that the reliability of the card usage statement and the transparency of the use of the corporate card can be increased.

1 is a diagram illustrating a configuration of a card statement management system according to an embodiment of the present invention.
2 is a detailed block diagram of a card usage statement generating apparatus according to an embodiment of the present invention.
3 is a diagram showing a configuration of a card specification management server according to an embodiment of the present invention.
4 is a flowchart illustrating a method of providing a card usage specification management service according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating a method for generating a card usage statement of an apparatus for generating a card usage statement according to an exemplary embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

1 is a diagram illustrating a configuration of a card statement management system according to an embodiment of the present invention.

The card statement management system according to an embodiment of the present invention may include a card usage statement generating apparatus 100, a card specification management server 200, and an administrator terminal 300.

The card usage statement generating apparatus 100 is provided with an application for reporting a corporation card settlement. The card usage statement generating device 100 can use the payment reporting service through the installed application.

The card usage statement generating device 100 may be a smart phone, a notebook PC, a tablet PC, a computer, and the like. However, the card usage statement generating device 100 is not limited thereto. Any device can be used as long as it is capable of displaying the specification. In addition, when the card usage statement generating device 100 can recognize NFC (Near Field Communication) tags, the NFC tags can be tagged to drive the application and read the tag information.

The card usage statement generating device 100 may tag the NFC tag of the payment card to acquire the card information.

In addition, the card usage statement generating device 100 can photograph the payment receipt and report the card usage statement to the manager through the card specification management server 200. [ In addition, the card usage statement generating apparatus 100 may attach a proof image obtained by photographing as an evidence other than the card usage statement. In addition, the card usage statement generating device 100 may store the text together with the image information when the text is input in association with the acquired evidence image.

The card usage statement generating device 100 may acquire the time and position at which the captured image is obtained at the time of photographing and include it in the card usage statement. The obtained time and location information can be automatically input into a field for describing the settlement position and time included in the form of the card usage statement.

As described above, the card usage statement may include a payment card information, a payment history, a usage and time, an image of a payment receipt, and a field to which an evidence image is input or attached, , Semitransparent, mosaic, special symbol processing, and so on. For example, the information to be secured may be the back of the payment card number, a human face of the evidence image, or the like.

The payment card information may include a payment card number, a payment card issuing financial institution, and the like.

In an embodiment of the present invention, the NFC tag attached to the payment card may include payment card information and an instruction to drive the card specification application.

The administrator terminal 300 is a terminal carried by the manager. The administrator terminal 300 is notified that the card usage statement generating device 100 is uploaded from the card specification management server 200 when the card usage statement is uploaded to the card specification management server 200 and the card usage statement is downloaded have.

The communication network interfaces data communication between the card usage statement generating apparatus 100 and the card description management server 200. In addition, data communication between the card specification management server 200 and the administrator terminal 300 can be interfaced.

Such a communication network includes various types of mobile communication networks such as 2G, 3G, 4G, WiBro, WiMax, and LTE, and also includes a wired telephone network, a WLAN, an Internet network using Wi- Or Zigbee, a radio frequency identification (RFID) or a near field communication (NFC) communication network.

The card specification management server 200 may provide an application for billing report to the card usage statement generating device 100 or the administrator terminal 300. [

In addition, the card specification management server 200 according to the embodiment of the present invention receives, stores, and manages information for payment report from the card usage statement generating apparatus 100, and notifies the administrator terminal that the card statement is uploaded.

The card specification management server 200 uploads the card statement to the card statement management folder allocated to the card settlement information, or uploads an image to be uploaded to the folder by time or event. By managing the card statement on an event-by-event basis, settlement for the event becomes easier.

2 is a detailed block diagram of a card usage statement generating apparatus according to an embodiment of the present invention.

The card usage statement generating apparatus 100 according to the embodiment of the present invention includes a communication interface unit 110, an NFC recognition unit 120, a photographing unit 130 controller 140, a card specification application execution unit 150, A display unit 160, a storage unit 180, and the like.

The communication interface unit 110 performs data communication with a card statement management server (200 in FIG. 1) or an administrator terminal (300 in FIG. 1) through a communication network.

The NFC recognition unit 120 acquires the payment card information and acquires the tag information by performing a function of recognizing the NFC tag through tagging to drive the card specification application. The tag information essentially includes payment card information and may further include a card specification application drive command. In another modification, when the card usage statement generating apparatus 100 does not include the NFC recognizing unit 120, it may be implemented to manually operate the card specifying application and input the payment card information into the corresponding field.

The photographing unit 130 photographs the payment receipt and the evidence according to the signal of the input unit 160 to acquire the payment receipt image and the evidence image (evidence information). In addition, the user can recognize the characters of the payment receipt image and extract the usage information and time information. In another modification, positional information when the photographed image is acquired by the photographing unit 130 may be obtained together.

The card specification application execution unit 150 controls the operation of the application for payment report. Particularly, when the execution of the application is requested from the input unit 160 or when the application driving command is transmitted to the tag information recognized by the NFC recognition unit 120, the card specification application execution unit 150 executes the card specification application Video management, and card usage statement. The card specification application execution unit 150 temporarily stores the photographed image in a gallery or the like and attaches the photographed image to the corresponding field of the card specification when the photographing unit 130 performs photographing after driving the card specification application. The specification application execution unit 150 transfers the created card usage statement to the card specification management server 200. [

The input unit 160 includes an input unit that can be operated by the user such as data input, selection, and the like. The input unit may include a general keypad, a mouse, or the like, and may be integrally provided with the display unit 170 when the display unit 170 is provided with a touch screen capable of touch input.

The display unit 170 visually displays the information acquired by the input interface and the input unit provided by the card specification application being executed through the card specification application execution unit 150. [ Also, the display unit 170 displays the photographed image.

The storage unit 180 may store data necessary for the card specification application, and may store the payment card information and the photographed image in an image DB as necessary to form a database.

The control unit 140 controls the operation of the card usage specification generating apparatus 100 as a whole and interconnects the card specification application executing unit 150 and the other components 110, 120, 130, 170, To perform the necessary operation.

That is, when the controller 140 requests execution of the card specification application through the input unit 160, the control unit 140 requests the card specification application execution unit 150 to execute the application, and after the card specification application is executed, The control unit 160 drives the photographing unit 190 to generate a photographed image, and temporarily stores the photographed image photographed and photographed through the photographing unit 190. Also, when the NFC tag information is received through the NFC recognition unit 120, the control unit 140 temporarily stores the card payment information included in the received NFC tag information in the storage unit, and automatically inputs the card payment information into the corresponding field of the card specification. When the NFC tag information includes the application driving command through the NFC recognition unit 120, the control unit 140 transmits the command to the card specification application execution unit 150. [

As described above, the card usage statement generating apparatus 100 according to an embodiment of the present invention easily creates the card usage statement including the payment card information, the payment history, the settlement time location information, and the evidence image, 200 in FIG. 1) to the administrator terminal (300 in FIG. 1).

3 is a diagram showing a configuration of a card specification management server according to an embodiment of the present invention.

Referring to FIG. 3, the card specification management server 200 may include an information transmission / reception unit 210, a controller 230, and a storage unit 250.

The information transmitting and receiving unit 210 performs data communication between the card usage specification generating apparatus (100 of FIG. 1) and the administrator terminal (300 of FIG. 1).

The control unit 230 controls the operation of the card specification management server 200 as a whole and connects the other components 210 and 250 to perform operations required for the service.

When the card usage statement is transmitted from the card usage statement generating device 100, the controller 230 transmits the sender information, such as application information or terminal information, together with the application information stored in the storage unit.

The control unit 230 stores and manages the card usage statement transmitted through the information transmission / reception unit 210, and notifies the corresponding administrator terminal of the uploading of the card usage statement. The administrator selection may be specified in advance or may be included in the card usage statement. If it is included in the card usage statement, the card usage statement can be transmitted by confirming the administrator described in the card usage statement and confirming the administrator information stored in advance in the storage unit 250.

The storage unit 250 stores and manages payment card information in association with application information, card usage statement, and manager information. The manager information may include manager name, rank, position, processing task, contact information, manager terminal information.

With this configuration, it is possible to manage the date and expenditure history of the corporate card, the usage amount, the payment receipt, the reason, the payer (card user), and the like, thereby effectively performing the accounting management.

4 is a flowchart illustrating a method of providing a card usage statement finishing service according to an embodiment of the present invention.

The card usage statement generating device 100 acquires tag information by tagging the NFC tag attached to the payment card (S10).

The card usage statement generating device 100 executes the card specification application according to the payment report application driving command included in the tag information (S20).

The card usage statement generating apparatus 100 captures the payment card by the payment receipt (S30), and acquires the payment receipt image that the payment card has paid.

The card usage statement generating device 100 automatically attaches the payment receipt image to the payment receipt attached field of the card usage statement (S40). Thus, the card usage statement generating apparatus 100 completes the final card usage statement including the payment card information and the payment receipt image.

When the card specification application is activated, a card usage statement form is displayed, and the payment card information included in the tag information is automatically input in the corresponding field of the card usage statement form.

In another modification, the card specification application can be manually operated to input card information in the corresponding field.

In another modification, the card usage statement generating device 100 can confirm whether part or all of the payment card number included in the payment receipt image is the same as the information previously input in the card usage statement. If they are not the same, this fact can be displayed on the screen, or it can be implemented not to proceed to the next step.

The card statement management server 200 may receive the payment details from the payment server before receiving the card usage statement from the card usage statement generating device 100 (S145, S146).

And transmits the final card usage statement to the card specification management server 200 (S50).

If there is a payment history, the card statement management server 200 can determine the reliability by checking whether the payment amount included in the card usage statement and the payment history match the payment history received from the payment server (S160). If it is determined that the reliability is acceptable, the card usage statement is transmitted to the administrator terminal (S180).

When the card usage statement is transmitted, the administrator terminal 300 displays the card usage statement (S90).

If it is determined in step S160 that the card statement management server 200 does not recognize the reliability, the card usage statement generating device 100 displays a counter notification (S70).

5 is a flowchart illustrating a method for generating a card usage statement of an apparatus for generating a card usage statement according to an exemplary embodiment of the present invention.

When the card specification application is activated and the payment receipt image and the evidence information image are photographed, the card usage statement can be created according to the following procedure.

The card usage statement generating device loads the form of the card usage statement (S41).

The payment card information acquired by the tagging is automatically inputted into the form of the card usage statement (S42). Accordingly, a card number, a card issuer, and the like can be input.

The payment receipt image is automatically attached to the corresponding field of the form of the card usage statement (S43). At this time, the payment receipt image may be attached so that it can be viewed in its entirety, or a part of the image may be attached for security screening, or only the file name may be exposed and then the entire image may be displayed have. In addition, it is possible to automatically check a payment reason such as a vehicle related cost by recognizing a specific character such as a gas station included in the payment receipt image. When the reason for payment can not be recognized, or when the reason for the automatically recognized payment is different from the actual reason for payment, the user can input it. The reason for the payment may include, for example, purchase price of goods, entertainment expenses, benefit of welfare, insurance and vehicle related expenses, education expenses, advertisement expenses, travel expenses, and the like.

The user information and date time information may be acquired in the card usage statement and automatically input into the corresponding field (S44). Usage information and date time information may be acquired by recognizing the time information included in the payment receipt image. The time information may also acquire the payment receipt image photographing time at the photographing unit. Also, the location information of the terminal can be acquired through communication with the global positioning system (GPS) of the terminal and the external server at the time of photographing the payment receipt in the photographing unit. The acquired information can be automatically input in the corresponding field.

User information is input (S45). At this time, it is also possible to attach the stored user information to be inputted as a default when the application is first downloaded and executed. The user information may include affiliation, title, name, and the like.

An interface for inputting a reason for payment of the card usage statement is provided, and the reason for payment is input and input into the corresponding field of the card usage statement (s46).

If there is a pre-recorded evidence image, attach a proof image. The evidence image may be an image to prove payment history. For example, it can be used to identify the number of people attending a ceremony. At this time, text information for explaining the evidence image such as the person who directly participated or the reason for the drinking can be inputted together.

In this way, the card usage statement can be completed.

Through the card specification application according to the embodiment of the present invention, the user, that is, the payment reporter, automatically creates the card usage statement only by photographing the payment receipt and the proof image, and transmits it to the administrator. In addition, the card usage statement may include payment card information, payment receipt, location, time, and evidence images to improve the reliability of the card usage statement.

When the generated card usage statement is transmitted to the administrator terminal, the administrator terminal 300 alerts reception and displays the notification message when receiving a message informing that the card usage statement has been uploaded to the card specification management server. More specifically, when the administrator terminal 300 receives the notification message through the card specification management server, it displays that the information has been received, provides a notification message indicating that the received information exists, and displays a notification message when the notification message is selected . For example, a notification message may be provided in the form of a pop-up window, indicating "the card usage statement has been uploaded" to notify the payment reporter that an alarm message has been received indicating that the card usage statement has been uploaded.

Meanwhile, the present invention can be embodied as a software program and recorded on a computer-readable recording medium.

A program for a card usage statement creation method of a terminal equipped with a card specification application includes the steps of activating the application in accordance with a drive command of an application, obtaining a payment receipt image capturing a payment receipt of a payment card, Loading the form of the card usage statement; attaching the payment receipt image to the card usage statement; acquiring the usage information and the time information acquired through the payment receipt image; Generating a final card usage statement by inputting user information previously stored in a corresponding field of the card usage statement, and transmitting the final card usage statement to an administrator terminal through a card specification management server Computer program commands and To hold the emitter it can be recorded in a recording medium readable by a suitable computer.

Computer-readable media suitable for storing computer program instructions and data include semiconductor memory devices such as EPROM, EEPROM, and flash memory devices, such as magnetic disks such as internal hard disks or external disks, magneto-optical disks, and CD- ROM, and DVD-ROM disks, including non-volatile memory, media, and memory devices. The processor and memory may be supplemented by, or incorporated in, special purpose logic circuits.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all depicted operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: card usage statement generating device
110:
120: NFC recognition unit
130:
140:
150: Card Specification Application Execution Unit
160:
170:
180:
200: card specification management server
300: administrator terminal

Claims (8)

A card usage statement generating apparatus for reporting a usage history of a corporate card to an administrator,
A storage unit for storing the form and user information of the card usage statement for use of the card, the card usage statement including payment card information, settlement history, captured image acquisition time and location, payment receipt image, - including the field to be updated;
A photographing unit for photographing the card payment receipt and the evidence to obtain an image of the payment receipt and an evidence data image, the proof image being an image for witnessing the payment details of the corporation card;
The form of the card usage statement is attached and a payment receipt image is attached to the corresponding field, the usage information and the time information are acquired from the payment receipt image, the shot image acquisition time and position information are acquired, To generate a final card usage statement; And
A communication interface unit for transmitting the final card usage statement to an administrator through a card specification management server
The card usage statement generating device comprising: The method according to claim 1,
An NFC recognition unit for recognizing an NFC (Near Field Communication) tag attached to a corporate card and acquiring tag information;
Further comprising:
Wherein the control unit inputs card information included in tag information acquired by the NFC recognition unit into a corresponding field of the card usage statement, the card information including a card number of a payment card and a card issuer Usage statement generating device. 3. The method of claim 2,
Wherein the tag information includes an application drive command,
And an application for generating a card usage statement is driven by the application driving command. The method according to claim 1,
An input unit for inputting a reason for payment in a corresponding field of the card usage statement
Further comprising: means for generating the card usage statement. A method for creating a card usage statement of a terminal equipped with a card specification application for reporting a usage history of a corporate card to an administrator,
Activating the application in accordance with a drive command of the application;
Acquiring an image of a payment receipt and a proof sheet image of a payment receipt of a payment card, the proof image being an image for proofing payment details of a corporate card;
Loading a form of a previously stored card usage statement, the card usage statement including a payment card information, a payment history, a captured image acquisition time and location, a payment receipt image, and a field in which an evidence image is entered or displayed;
Attaching the payment receipt image and the evidence data image to the imported card usage statement;
Acquiring usage information and time information acquired through the payment receipt image, acquiring shot image acquisition time and location information, and inputting the acquired information into a corresponding field of a card usage statement, respectively;
Generating a final card usage statement by inputting user information previously stored in a corresponding field of the card usage statement;
Transmitting the final card usage statement to the administrator terminal through the card specification management server
The method comprising the steps of: 6. The method of claim 5,
Prior to activating the application,
The terminal acquires the tag information by tagging the NFC tag attached to the payment card
Further comprising:
Wherein the tag information includes card information and an application drive command. The method according to claim 6,
After the step of loading the form of the card usage statement,
And inputting the card information acquired through the tag information into a corresponding field of the card usage statement. 6. The method of claim 5,
Wherein the step of generating the final card usage statement comprises:
Providing an interface for inputting a reason for payment of the card usage statement, inputting a reason for payment, and inputting the reason for payment in a corresponding field of the card usage statement.

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