KR101954128B1 - T-save system for encourage - Google Patents

Abstract

The present invention relates to a T-save encouraging system which checks and encourages notice and default situations of taxes and fines. The T-save encouraging system comprises: an information extraction unit to extract personal information of payers, payment history information of payers, and economic index information from a database; a payment pattern analysis unit to estimate expected payments dates of payers based on the extracted payment history information of payers; a personal information analysis unit to generate a new payment pattern to correct the expected payment dates if the extracted payer personal information is changed; an economic incorporation unit to further estimate expected additional payment dates based on the economic index information; a notification unit to notify payers in response to the expected payment dates and the expected additional payment dates; a worker designation unit to designate a worker for encouraging payments if the notified payers are in default; and an encouragement notification unit to notify encouragement information when the worker counsels payers in default.

Description

T-SAVE system {T-SAVE SYSTEM FOR ENCOURAGE}

BACKGROUND OF THE INVENTION [0002] The technology disclosed herein relates to a simple payment system, and more particularly to a T-SAVE system for identifying and encouraging notices such as taxes and fines and delinquent payments.

Various systems or methods for efficiently charging and collecting utility bills and taxes have been developed, and in recent years, systems using the Internet or mobile have been developed.

These systems are designed to efficiently handle bills of lading, receipt and inquiries, and administrative tasks for paying bills.

According to Japanese Laid-Open Patent Application No. 2001-142971, a tax information management system for outputting and managing the data of tax offsets is disclosed. According to Japanese Patent Laid-Open No. 2003-203143, A delinquent person management system for performing a management with a computer until a predetermined procedure is performed.

Korean Patent Laid-Open No. 2007-0096568 discloses a system for executing tax notice and settlement through a messenger function of a mobile phone. According to Korean Patent Laid-Open No. 2009-0002113, a taxpayer And provides a method of providing a bill payment account service.

In addition, Korean Patent Registration No. 10-1422562 ("Intelligent Collection Management System") discloses personal information of the payer from the database storing personal information, address, payment record, and consultation contents of the payer A grouping means for grouping the payer in accordance with the extracted personal information, a weight setting means for assigning a weight to each group based on the payment history information of the payer belonging to each group grouped, A rating determining means for determining a rating of the payer based on the payment history information of the individual payer and the weight of the group to which the payer belongs; a payment notification for determining the payment notification method according to the rating of the payer and notifying the payer Means for reducing the occurrence of delinquencies in advance by using the information of the payer, the payment characteristics, etc. And provides a convenient and useful payment service.

The T-SAVE incentive system disclosed herein intends to provide at least a T-SAVE incentive system that identifies notices and delinquencies such as taxes and fines, and encourages delinquencies.

The system for encouraging T-SAVE disclosed in the present specification includes an information extracting unit 100 for extracting personal information of the payer from the database 10, payment history information of the payer, and economic index information, and based on the payment history information of the payer A personal information analyzing unit 300 for generating a new payment pattern and correcting the expected payment date when there is a change in the extracted payment person's personal information, An economic reflector 500 for further estimating the estimated additional payment date based on the index information, a notifying unit 400 for notifying the payment person in correspondence with the expected payment date and the additional payment expectation date, And an encouraging notifying unit 1000 for notifying the facilitating guidance in consultation with the paying person who is in dispute with the person in charge.

The payment pattern analyzing unit 200 includes an expiration date setting unit 210 for setting an expiration date by the administrator and an estimation date designation unit 220 for estimating an average date of the payment dates included in the payment history information within a set time limit, . ≪ / RTI >

The personal information analyzing unit 300 may include an information change reading unit 310 for reading an item for which personal information has been changed, and an information updating unit 310 for estimating a change payment expectation date based on the payment history information from when the personal information is changed A correction payment pattern analyzing unit 320 for estimating the payment due date, and an expected date correcting unit 330 for correcting the estimated payment date to the estimated change payment date.

The personal information analyzing unit 300 may further include a pattern change reading unit 340 for reading a payment date change based on the payment history information of the payment person.

The personal information analyzing unit 300 may include an information change reading unit 310 for reading an item for which personal information has been changed, and an information updating unit 310 for estimating a change payment expectation date based on the payment history information from when the personal information is changed And an item-specific pattern setting unit (350) for setting a revised payment pattern analyzing unit (320) and a changed item of personal information and an expected payment due date for each item, And a predicted date correcting unit 330 for correcting the expected date of payment in the case where the items for which the personal information has been changed are the same as the estimated time for changing payment.

The T-SAVE system will analyze the payment pattern of the payer and estimate the expected payment date, estimating the payer's economic situation through the change of the payer's personal information and the national economic indicators, Payment notification is made in response to a change in the personal information of the payer in accordance with the change in the personal information of the payer or payment notice is made at the expected date of payment of the additional payment so that payment notification is made on the date corresponding to the personal circumstances of the payer through the economic indicator, The convenience of tax payment is increased and the tax payment can be made before the consumption tax is exhausted due to the deterioration of the economic situation. Thus, it is possible to reduce the occurrence of delinquency, and the taxpayer 1: 1 contact person is assigned to the payer who has not paid, and at least hearing counseling (encouraging) By allowing you to visually check the notification section 1000, the delinquency notice through the history, the representative can proceed easily encourage tax efficiently.

The system for encouraging T-SAVE can respond in real time to changing the personal information of the payer through the pattern change reading unit of the personal information analyzing unit, the item-specific pattern setting unit, and the item judging unit, and can pay the best date corresponding to the personal circumstances of the payer There is an effect that the notification can proceed.

The foregoing provides only a selective concept in a simplified form as to what is described in more detail hereinafter. The present disclosure is not intended to limit the scope of the claims or limit the scope of essential features or essential features of the claims.

1 is a block diagram schematically illustrating a configuration of a T-SAVE system according to an embodiment of the present invention.
2 is a block diagram schematically illustrating a personal information analyzing unit according to an exemplary embodiment of the present invention.
3 is a block diagram schematically illustrating a personal information analyzing unit according to another embodiment.
FIG. 4 is a block diagram schematically illustrating an economic reflector in an embodiment.
5 is a block diagram schematically illustrating a configuration of a T-SAVE system in accordance with another embodiment of the present invention.

1 is a block diagram schematically illustrating a configuration of a T-SAVE system according to an embodiment of the present invention. 2 is a block diagram schematically illustrating a personal information analyzing unit according to an exemplary embodiment of the present invention. 3 is a block diagram schematically illustrating a personal information analyzing unit according to another embodiment. FIG. 4 is a block diagram schematically illustrating an economic reflector in an embodiment. 5 is a block diagram schematically illustrating a configuration of a T-SAVE system in accordance with another embodiment of the present invention.

The payment information analyzing unit 200, the personal information analyzing unit 300, the economic reflector 500, and the billing pattern analyzing unit 200 will be described in detail with reference to the accompanying drawings. A notification unit 400, a contact person identification unit 900, and an advertisement notification unit 1000. [

The payment pattern analyzing unit 200 may include a time limit setting unit 210 and a predicted date designation unit 220.

The personal information analyzing unit 300 may include an information change reading unit 310, a correction payment pattern analyzing unit 320, and an expected correction unit 330.

The personal information analyzing unit 300 may further include a pattern change reading unit 340.

The personal information analyzing unit 300 includes an information change reading unit 310, a correction payment pattern analyzing unit 320 and an item-specific pattern setting unit 350. The personal information analyzing unit 300 includes an item determining unit 360, ).

Hereinafter, a representative embodiment of the T-SAVE system will be described in detail.

A system for encouraging T-SAVE with reference to the drawings according to an embodiment includes an information extracting unit 100 for extracting personal information of the payment person, payment history information of the payment person, and economic index information from the database 10, history of payment history of the extracted payment person A personal information analysis unit 300 for generating a new payment pattern and correcting the expected payment date if there is a change in the extracted payment person's personal information, An economic reflection unit 500 for further estimating the expected additional payment date based on the economic index information, a notifying unit 400 for notifying the payment person in correspondence with the expected payment date and the additional payment expectation date, , A charge person designation unit 900 for designating a person in charge of encouraging payment and an encouraging notifying unit 1000 for notifying a payer who is in dispute with the charge person in consultation It should.

The information extracting unit 100 is configured to extract the personal information of the payment person, the payment history information of the payment person, and the economic indicator information from the database 10. The personal information of the payer and the payment history information of the payer are read out from the database 100 in which the personal information of the payer, address, payment record, consultation contents, and the like are stored, and text mining Information is extracted. The economic index information refers to various economic growth rates disclosed by various organizations such as the IMF, ADB, and the Bank of Korea, and extracts the tabular index information stored in the database 10. The personal information is information on the gender, age, address, residence type, marital status (married / married), property and income status, workplace information and the like of the payment person, and the payment history information includes payment date, payment method, The number of days in arrears, the frequency of delinquencies, the reasons for delinquencies, and the status of payments. Here, the housing type largely means an apartment, a multi-family house, a multi-family house, and the present state of payment means the state of payment such as health insurance premium and national tax. The information extracting unit 100 may collect and extract more accurate information in cooperation with a geographic information system such as a GIS (Geographic Information System). In addition, the extracted personal information and payment history information can be classified and coded to facilitate management.

The payment pattern analyzing unit 200 is configured to estimate the payment expected date of the payment person based on the extracted payment history information of the payment person. The payment pattern analyzing unit 200 includes a time setting unit 210 for setting a time limit by an administrator. The payment pattern analyzing unit 200 includes an estimation date designation unit 220 for estimating an average date of the payment dates included in the payment history information within a set period of time and designating the average day as a payment expected date.

For example, when the administrator sets the recent three-year period through the setting section 210, the average value (date) of the date of payment for the last three years of the payer is extracted. And the estimated average value is estimated as a predicted payment date by the determination unit 220. The payment pattern analyzing unit 200 estimates the situation where the payment person can actually pay through the payment history.

The personal information analyzing unit 300 is configured to analyze the new payment pattern to correct the expected payment date when there is a change in the extracted payment person's personal information. The personal information analyzing unit 300 may roughly include the information change reading unit 310, the correction payment pattern analyzing unit 320 and the expected correction unit 330. [

The information change reading unit 310 reads the item whose personal information has been changed.

When the personal information is changed, the correction payment pattern analyzing unit 320 generates a new payment pattern based on the payment history information from the time when the personal information is changed, and estimates the change payment expectation date.

For example, if there is a change in the personal information of the payer (such as the work information directly connected to the payer's income) in March 2017, a new payment pattern based on the payment history information from March 2017 to the present is created, Estimate the average payment date based on the payment pattern as the expected change payment date.

The predicted date correcting unit 330 corrects the expected payout date to the expected payment due date by the corrected payment pattern analyzer 320.

For example, the predicted date correcting unit 330 may calculate the estimated date of the estimated payment date through the payment pattern analyzer 200 described above by using the corrected payment pattern analyzer 320 described above, Change to the date. The personal information analyzing unit 300 estimates the payment date of the payer according to the personal circumstances, that is, the personal information, by estimating the change of the personal information with the personal circumstances of the payer, . Further, it is also possible to determine whether the variation of the payment date is temporary or continuing through the information change reading unit 310. [

As shown in FIG. 4, the economic reflector 500 may roughly include a growth determination unit 510 and an additional payment expectation determination unit 520.

The growth determining unit 510 determines whether the economic growth is possible based on the economic indicator information extracted from the database 10.

For example, the growth decision unit 510 may compute information on the economic growth rate included in the economic index information extracted by the information extraction unit 100 to derive an average growth rate, And if it is - the value, it is judged that economic growth is impossible. In other words, the economic growth is estimated to be the increase or decrease in the income of the payer or the fund. Furthermore, the economic growth rate can be judged based on the rise rate versus the growth rate of a specific period.

If it is determined that the economic growth is not judged through the growth decision unit 510, the additional payment forecasting unit 520 estimates the additional payment expected date of the date that is different from the expected payment date.

The economic reflection unit 500 has an effect of predicting the economic situation of the taxpayer and encouraging the payment, so that the tax payment can be made before the purchase of the luxury goods even if the payer's economic situation is bad.

The notifying unit 400 is configured to notify the payment person in response to the expected payment date. The notifying unit 400 notifies the payment slip or the notification slip by a method such as mobile and e-mail, postal mail, and visit according to the expected payment date.

Meanwhile, the notifying unit 400 may notify according to the estimated payment date through the payment pattern analyzing unit 200, may notify the estimated payment date through the corrected personal information analyzing unit 300, It may be repeatedly notified according to the revised payment schedule.

The responsible person specifying unit 900 designates the person in charge who encourages the payment when the notified payment person delinquent. In this case, it is desirable that information on the taxpayer who has not paid tax is set in the database 10 described above. Alternatively, the T-SAVE incentive system described herein may be associated with a standard local tax information system operating in a country to receive delinquent information. In addition, it is reasonable that the database 10 stores the information of the practitioner performing the delinquent business and the schedule information of the practitioners.

For example, the responsible person specifying unit 900 may include a delinquent person extracting unit (not shown) for extracting from the database 10 billing person information that has not paid the tax corresponding to the expected date and the additional expected date. The responsible person specifying unit 900 may include a person extracting unit (not shown) for extracting an agent or practitioner information encouraging delinquency from the database 10. The responsible person specifying unit 900 may include a matching unit (not shown) for matching the paying persons based on the schedule of the extracted persons. The manager in charge 900 is to match the paying persons who have not paid taxes to the person in charge of advancing the counselor 1: 1.

The stimulating notifying unit 1000 includes an encouraging notifying unit 1000 for notifying the facilitating guidance in consultation with the paying person who is in charge of the responsible person. When the designated person in charge conducts telephone connection to proceed with consultation (encouraging) for paying the tax to the payer using the ordinary Internet telephone system or the like, the taxpayer notifying unit 1000 notifies the details of the tax payment and the payment date So that it is notified via the support unit 400.

The above-described T-SAVE system can not only respond to complaints from the taxpayer but also analyze the payment pattern of the taxpayer and estimate the expected payment date, The estimated payment date can be estimated by predicting the payer's economic situation through the payment of the payment amount, and the expected payment date can be corrected in accordance with the change in the personal information of the payment person, The taxpayers are allowed to pay tax before the consumption tax is exhausted due to the deterioration of the economic situation, thereby reducing the incidence of delinquencies. There is an effect that can be.

In addition, a 1: 1 contact person is assigned to the payer who has not paid the tax through the contact person designation unit 900 and at least visually informs the payer of the overdue payment notified through the stimulus notifying unit 1000 at the same time as auditory counseling By making it possible to confirm, the taxpayers can easily and efficiently proceed tax incentives.

The system for encouraging T-SAVE can respond in real time to changing the personal information of the payer through the pattern change reading unit of the personal information analyzing unit, the item-specific pattern setting unit, and the item judging unit, and can pay the best date corresponding to the personal circumstances of the payer There is an effect that the notification can proceed.

2, the personal information analyzing unit 300 configured by the information change reading unit 310, the correction payment pattern analyzing unit 320, and the expected correction unit 330 includes a pattern change reading unit 340 May be further included.

The pattern change reading unit 340 reads the change of the payment pattern based on the payment history information of the payment person. The pattern change reading unit 340 will be described in more detail, based on the payment history information, whether the payment date paid recently is paid on a date different from the expected payment date.

The information change reading unit 310 of the personal information analyzing unit 300 including the pattern change reading unit 340 reads the item whose personal information is changed when the payment pattern is changed. When the personal information is changed, the correction payment pattern analyzing unit 320 estimates the change payment expectation date based on the payment history information from the time when the personal information is changed. The expected date correcting unit 330 corrects the expected date of payment to the expected date of payment.

The personal information analyzing unit 300 described above can preferentially extract personal circumstances that substantially affect the payment date of the payment person. The personal information analyzing unit 300 can extract the personal circumstances that substantially affect the change in the payment date from the personal information, so that it is possible to carry out the notification closer to the personal circumstances of the payer.

3, the personal information analyzing unit 300 configured by the information change reading unit 310, the correction payment pattern analyzing unit 320, and the expected correction unit 330 includes a pattern setting unit 350 for each item, And an item judging unit 360. [0040]

The item-by-item pattern setting unit 350 sets the changed item of the personal information through the information change reading unit 310 and the estimated change payment due date through the correction payment pattern analyzing unit 320 described above And stores it in the database 10.

The item judging unit 360 reads whether the item whose personal information is changed is the same as the item of the estimated payment date for each item.

The information extracting unit 100 further extracts the information on the expected payment due to each item. If the items for which the personal information is changed are the same, the predicted date correcting unit 330 corrects the expected payment date to the expected change payment date.

When the payment person pays the payment in 20 days with the estimated payment date estimated through the payment pattern analyzer 200 described above being 15 days, the information change reading unit 310 The changed personal information (work information) and the payment date are read out.

Then, the item judging unit 360 reads whether the item is the same as the item of the estimated payment date for each item. If the item is not the item of the same personal information (workplace information), the items of personal information A new payment pattern is generated from the day on which the workplace information is changed, and the estimate of the change payment is estimated.

Then, the item-specific pattern setting unit 350 stores in the database 10 the estimated payment date for each item including the changed personal information item (workplace information) and the estimated change payment date corresponding to the item, 330) to finally correct the expected payment date.

On the other hand, when the estimated payment date for each item in the workplace information is stored in the database 10, the item determination unit 360 corrects the estimated payment date based on the estimated change payment date stored in the item determination unit 360.

The expected date of payment for change included in the estimated payment date for each item described above is -5 days, which is the difference value between 20 days and 15 days. In other words, the expected date for payment of change is the day after subtracting 5 days from the previous expected payment date.

As another example, the estimated change payment date can be estimated based on the pay day included in the work information when the item of work information is changed.

The personal information analyzing unit 300 including the item-by-item pattern setting unit 350 and the item judging unit 360 can easily estimate the estimated change-due date only with changed items of the personal information. The personal information analyzing unit 300 has an effect that it is possible to estimate the payment expected date with a sufficiently high accuracy because the payment history information used in the correction payment pattern analyzing unit 320 is not sufficient.

The pattern change reading unit 340, the item-specific pattern setting unit 350, and the item determining unit 360 may be combined.

The T-SAVE system for referring to FIG. 5 according to another embodiment may further include a grouping unit 600. FIG.

The grouping unit 600 groups the personal information extracted by the information extracting unit 10 by the payer. Specifically, group the payer by gender, age, address, residential type, marital status, and workplace of personal information. Furthermore, they may be grouped by the same payment date of the payment history information.

Meanwhile, the notifying unit 400 in the present embodiment may change the notification frequency for each group.

The T-SAVE system including the grouping unit 600 may further include a weight setting unit 700 as shown in FIG.

The weight setting unit 700 assigns appropriate weights based on the payment history information of the payer who belongs to each group generated by the grouping. That is, the delinquent characteristics are analyzed for each group, and a weight is given according to the result.

For example, it is possible to give a relatively high weight to addressees with a high average value and a relatively low weight to addressees with a low average value by averaging delinquent recipients' delinquencies, delinquent days, and delinquency frequency by grouped address. As another example, in the case of payment history information such as the reason for delinquency of a payer, a relatively high weight is given to a reason for which delinquency is unlikely to be solved, and a relatively low weight can be given for a reason likely to solve delinquency have. For such weighting, the statistical theory of RFM (Recency, Frequency, Monetary) can be applied.

In assigning the weights in this way, not only the individual payment characteristics of the payment person but also the external conditions such as the living environment are used together, so that the possibility of delinquent payment of the payment person can be determined more accurately and precisely.

As shown in FIG. 5, the T-SAVE system including the weight setting unit 700 may further include a class determination unit 800. [

On the other hand, the rating determination unit 800 determines the rating of the payer based on the payment history information of the payer and the weight of the group to which the payer belongs. More specifically, the rating decision unit 800 assigns a basic grade score to the payer according to the amount of delinquency, the number of delinquent days, and the repayment frequency from the payment history information, and assigns the weight of each group to which the payer belongs The final grade score of the payer is calculated. The grade of the payer is determined according to the calculated final grade score.

The level of the payer can be set to an appropriate number as needed. For example, a lower level means a loyal taxpayer and a higher level means a malicious delinquent.

Meanwhile, the notifying unit 400 in the present embodiment may change the number of notifications according to the grade.

The T-SAVE system described above with reference to the various embodiments is only for the convenience of explanation, and various components may be combined in various combinations.

On the other hand, it may be constituted by one conventional server having an input / output device, or may be dispersed in a plurality of servers. In this embodiment, one server is used. This server always communicates with the database 10 to read out the information on the payer-related information of the database 10 that is continuously updated.

While the present invention has been described with reference to the preferred embodiments described above and the accompanying drawings, it is to be understood that the invention may be practiced otherwise than as specifically described herein. Accordingly, the scope of the disclosure herein is defined by the appended claims, and is not to be construed as limited to the specific embodiments described herein.

10: Database
100: Information extracting unit
200: payment pattern analysis section
210:
220: anticipated government
300: Personal Information Analysis Department
310: information change reading unit
320: correction payment pattern analysis unit
330: The expected date and time
340: Pattern change reading unit
350: Item-specific pattern setting unit
360: Item judging unit
400: Notification section
500: Economic reflection department
510: growth decision unit
520: Expected payment plan
600:
700: Weight setting unit
800:
900: Person in charge
1000: Encouraging notification section

Claims (6)

In an encouraging system,
An information extraction unit (100) for extracting economic indicator information including personal information of the payment person, payment history information of the payment person and information on the economic growth rate from the database (10);
A payment pattern analyzing unit (200) for estimating an average date of the payment date included in the payment history information of the extracted payment person as the expected payment date of the payment person;
A personal information analysis unit (300) for generating a new payment pattern and correcting the expected payment date when the extracted payment person individual information is changed;
An economic reflector 500 for further estimating the estimated additional payment based on the economic indicator information extracted by the information extracting unit 100;
A notification section (400) for notifying the payment person in correspondence with the expected payment date and the additional payment expected date;
A charge person designation unit 900 for designating a charge person who encourages payment when the notified payment person is behind in payment; And
And an encouraging notification unit (1000) for notifying the guidance person in consultation with the paying person who is in charge of the responsible person,
The personal information analyzing unit 300 includes an information change reading unit 310 for reading personal information changed items and personal information information on the pay day, and when the pay day is changed, A correction payment pattern analyzing unit 320 for estimating an average date of a payment date included in the history information as a change payment expectation date, and an expected date correcting unit 330 for correcting the expected payment date to a change payment expectation date,
The economic reflection unit 500 includes a growth determination unit 510 for determining whether or not the economic growth has occurred based on the extracted economic indicators, and an additional payment forecasting unit for estimating an expected additional payment date Including the subsystem 520,
The T-SAVE system encourages the payment date to be estimated in accordance with the individual circumstances by estimating the change in the pay day of the personal information as the personal circumstances of the payer. The method according to claim 1,
The payment pattern analyzing unit 200
A time limit setting unit 210 for the administrator to set a time limit; And
(220) for estimating an average date of the payment date included in the payment history information within a set period of time and designating the estimated date as the expected payment date. delete delete delete delete

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