KR102103931B1 - Method and system for managing payment and document computing using identifiable tags and artificial intelligence - Google Patents

Abstract

The present invention relates to a computerized management method and system of payment and settlement means using an identifiable tag and artificial intelligence, and more specifically, when reading with a credit card and a cash card, reads and identifies buyers, sellers, merchants, and unregistered businesses. In order to perform biometric and bio authentication through POS in the process of online / offline payment, biometric / bio payment, NFC payment (wearable payment), beacon payment, IOT payment, mobile payment, electronic / virtual currency payment, credit By printing information including identification bar code number, RFID tag, QR code and PIN on the card and sales slip, or by using magnetic strips, magnetic fields, and electronic circuits to search and read the income of the winning individual business or corporate business, and track the history, the highest tax rate. Self-employed business owners (hereinafter referred to as high-income earners), corporations or individual business owners located in the section will not register unless they have registered in advance with the relevant department. Prevents illegally selling goods or services by recognizing them as IoT, M2M, NFC, RFID, various sensors, and Pintech (Fintech) By tracking through technologies such as and beacons, it is possible to prevent illegal acts of missing sales due to payment of taxpayers, and to happily omit the sales of merchants, it is a ghost store without using the merchant's tag printing terminal. In the case of payment using a tag printing terminal of, there is an effect of preventing the occurrence of card discount, sales omission, tax evasion, etc. by preventing payment approval.

Description

Method and system for managing payment and document computing using identifiable tags and artificial intelligence}

The present invention relates to a computerized management method and system for electronic commerce of payment and settlement means using identifiable tags and artificial intelligence. More specifically, when paying with various credit cards, check cards, app cards, various payments, fintech payments, web cards, cash cards, etc., buyers and sellers, merchants and unregistered businesses, unregistered card slips and cash receipt slips, It is intended to read and identify electronic and paper-based invoices, contracts, and documents.

Affiliate stores apply to permits, and business and income earners apply to business cards, barcodes, unique identification numbers or QR codes applied to IC chips, USIMs or RFID chips. On / offline payment, biometric / bio payment, NFC payment (wearable payment), beacon payment, IOT payment, mobile payment, electronic / virtual currency payment, IC chip payment, identification bar code payment, unique identification number app payment, In the process of QR code payment, POS / ATM, payment kiosk, electronic sensor hi-passer, radar or frequency sensor gater, beacon or Bluetooth and LoRa, IC chip payment, NFC short-range Wi-Fi payment, watch wearable payment, USIM payment, Digital payment, smart phone payment, USB linked payment, (chatbot or robot payment; voice recognition, face recognition, command recognition, motion recognition, vein recognition, fingerprint recognition), (Open OS with cryptocurrency payment of IOT algorithm and IOT coin) Based on data, blockchain, Bitcoin-linked P2P payment), PC, phablet, payment and proxy through the Internet, EMV security token-based and FIDO authentication are available.

Identification on the sales slip of payment methods or various credit cards, print information including the barcode identification number, RFID tag, QR code, or PIN, or print it on magnetic fields, electronic circuits, magnetic strips, or on the back of a resident registration card, passport, or driver's license By printing or printing a unique barcode number or QR code, it is possible to enable app payment and the role of a credit card.

That is, the present invention is a payment method using an identifiable tag and artificial intelligence to prevent illegal sales omission, tax evasion, and concealment by tracking and reading the income of a suspicious individual business, merchant business, or corporate business. It relates to a computerized management method and system.

In addition, the present invention relates to payment payment means, search engine management, computational management, document management, and the like, and includes identification tags including RFID TAG, barcode, or magnetic bands surrounding magnetic fields and electronic circuits. Issuance to landlords, etc. In particular, it is possible to issue an RFID TAG, an identification bar code, or an identification tag with a magnetic strip, a magnetic field and an electronic circuit (including) for each individual licensed operator, rather than a large enterprise integrated into one workplace.

Identification tags can be used in a variety of documents and cards, such as: For example, card and cash receipts, contracts, invoices, statements, giro bills, and integrated real estate electronic document contracts, insurance, shopping, services, loans, bonds, loans, bids, defaults, department stores, transportation, taxis , Can be used for integrated subway, duty free shop fees or rent, property tax, gift tax, pre-sale inheritance tax, subscription pass management fees, contracts, receipts or related documents. In addition, gift certificates, passports, resident registration cards, and integrated transportation cards, airline tickets, toll tickets, parking lots, subways, buses, road transportation cards, high-passes, automobile taxes, delinquency notices, violation fines, traffic inducement charges, duty-free shops, tickets, travel tickets, or related Can be used for cards. In addition, the identification tag can be used for ticketing, admission tickets, ballots, election papers, electronic cards, and magnetic cards. In particular, RFID TAG, barcode, or magnetic field payment function and integrated card with portal that uses card cash (“ Hereinafter, it will be referred to as MAN. ”In addition, identification tags can be used for associated identification credit cards, prepaid cards, postpaid cards, and check cards.

The present invention is to discover unregistered business operators that are not identified, documents that are not identified, receipts, card slips, and cash receipt slips. That is, through technical computer management, accounting management, tax management, fee management, and reading, identification, payment agency, search agency, document management, etc., illegally missed the income of suspicious corporations, disguised merchants, or individual businesses It is to search for profit loss, income loss, tax evasion, escape, concealment, escape, illegal card can, or to search for pants business.

To this end, it is possible to analyze electronic payments with DBMS 'big data for users, suppliers, sellers, and managers of documents, and to interoperate APIs and OSs of ERP and CRM cells of electronic documents. In addition, artificial intelligence CPU (central processing unit), GPU graphics processing unit, quantum encryption communication, as well as Aerohive location positioning, AP, LBS platform or mobile APP, etc. can be interlocked with ATM, POS, kiosk, payment gate.

As a communication technology, a Wi-Fi signal, a Bluetooth signal, a LoRa signal, and a beacon and Wicon signal can be used. Built-in RF, CCTV, and USB in the terminal location, touch pay payment, short-range wireless communication payment based on Android or iOS, NFC payment, IC chip payment are possible, and in the 5th Industrial Revolution era, everything is connected with the Internet of Things (IoT) IoT payment is also possible.

By analyzing EAST-West traffic through mirroring, filtering, etc., it is possible to manage redundant traffic between internal users by mirroring, filtering, etc. have. In addition, in the Fiji (PG) stage, traffic can be used as a virtual machine (VM) to create a virtual environment.

For payment or card types, as well as fintech payments, various app payments, and simple payments, biometric and bio payments such as fingerprint recognition, voice recognition, face recognition, touch recognition, iris / vein recognition, and wearable watch UISM sensor payment It may include various payments such as wearable payment.

It may include functions (functions) such as distribution, booking, data trekking, distribution upgrade, initials, cache distribution, refolding, and backup of the document including the TAG of the document operator as an application. In addition, public clouds, hybrid clouds, and multi-clouds can be used.

That is, the present invention collects, stores, processes, analyzes, orders, develops, and processes data such as income statements, sales slips, card slips, and cash receipts, documents, contracts, bills, bills, payments, ticketing, and admission tickets for each business operator. Artificial intelligence that combines payment functions with identification functions that can be used for computing, document processing, and accounting, using identification functions such as embedded mobile, AI chatbot, and robot learning to access, command, code, code, memory, It is a system using intelligence.

With the expansion of the electronic payment infrastructure, credit payments based on card payments such as credit cards, check cards, and debit cards (hereinafter referred to as "credit cards"), app payments and web services, and fintech pay payments have been generalized. The credit payment service, after the user purchases the goods or services at the merchant by credit card payment, pays the use of the goods or services to the card company on the payment date, and the merchant pays the sales of the goods or services from the card company. Refers to the payment method using the receiving electronic payment infrastructure.

The conventional payment method using a credit card is as follows. First, the buyer purchases the product offline from the seller, and presents the credit card issued by the credit card company to the seller for payment of the purchase price. A seller who has entered into an affiliate agreement with a credit card company makes a transaction approval request to the credit card company through a value-added communication network (VAN) by means of a credit card code identification payment terminal installed in the seller's business store.

At this time, the credit card code identification payment terminal installed in the seller's business store transmits the unique terminal number allocated from the van server together with the buyer's credit card information and payment information. The van server can recognize sellers and users who supply goods and products by using the transmitted unique terminal number.

The van server receives the transaction approval response to the buyer's credit card from the credit card company, and transmits it to the payment card terminal of the seller who requested the transaction approval. When the code identification payment terminal receives a transaction approval response, the merchant's merchant name and merchant barcode (identification number or real-name identification are identified in the merchant name column) along with the terminal number, payment receipt number, member number, card type, payment receipt purchaser, and approval number. User or user of sales or service or seller income) Print out credit card sales slip and receipt printed with business registration number and address, along with identification number, representative name, unique barcode number or QR code. The credit card or payment function card sales slip is printed in three sets for card companies, merchants, and members.

The payment of the credit card company, the app card, and various payments pays to the seller the product price indicated in the credit card sales app payment slip and the payout slip, and collects and uses the product price from the buyer who purchased the product. Thus, all processes related to the payment function of the product price using a credit card are completed between a buyer, a seller, a credit card company, and an app driving company.

However, to date, among the products / services and payment functions and businesses that sell, without using the code identification payment terminal of the affiliated store to illegally omit the sales of the affiliated store and the business site, for example, the coded settlement of the ghost store Frequently, payments are made using a terminal, resulting in omission of sales and tax evasion. Moreover, although high-income self-employed businessmen, corporations, or individuals or service providers are escaping from South Korea, they are a serious problem in Korea, but even if countries conduct tax investigations against them, there are limitations in reducing tax exclusion.

In addition, the current electronic payment infrastructure has been expanded and new technologies have occurred numerous times in Korea or abroad, making various payments, app payments, fintech payments, bio-biometric payments, beacons and wearable payments, O2O payments, virtual Currency (Bitcoin, Blockchain) payment, p2p rental financial payment, electronic wallet payment, and face-to-face and non-face-to-face payment of credit cards, check cards, debit cards, NFC, IC chip payment, sensor radar frequency payment, wireless communication payment, Payment services based on electronic coupon payment, integrated transportation payment, integrated passport, etc. are becoming common.

With the current payment of various products and commodity fees aka Pay War, various types of apps (e.g., real estate app, direct app, delivery app, order app, parking lot app, casing app, short sale, bad debt (NPL)) App, hospital app, hotel, motel app, etc.), as well as business operators, auctions, accountants, tax accountants, auctioneers, real estate workers, suspicious non-corporate service businesses, private bonds, single stages, and suspicious non-registrants of the underground economy Including workers, academies, drone delivery, transportation companies, military companies, suspicious duty-free. Suspicious oiling. Suspicious alcoholic beverages, fisheries, fruit and vegetable companies, cruises, service management companies including apartments, shopping malls and officetels, suspicious pre-sale and subscription accounts, unsold or down contracts, and high-income earners such as pre-sale contracts, high income earners' income sales or dividends, loan business, suspicious cannon car , Conceal sales and profits of cannon passbooks, cannon phones, bills, checking accounts, etc. by illegal methods such as fake false tax bills, receipts, barges, and discount card sales cards (aka card cans) with suspicious corporate names and. There was an easy problem of tax evasion and omission.

Therefore, in order to solve the above-described conventional problems, the present invention is a uniquely identifiable tag (RFID tag, QR code, for each high-income earner or corporation or individual or service provider who uses the payment function of card, cash, app, and payment). After granting barcode number, biological / human bio / fingerprint, face, etc.), through the identifiable tag given only when personal authentication is completed in case of sales, the contract, document, and bill including sales slip are approved and rejected, and illegal sales The purpose is to provide a computerized management method, computation function, and interaction system of payment and settlement means using identifiable tags and artificial intelligence to prevent omission, tax evasion, and concealment.

In addition, in the present invention, when a sales slip for a credit card company is presented to a financial company among the sales slip, payment function slip, and app payment function, identification of the printed slip or magnetic strip, magnetic field, and electronic circuit (included) on the sales slip is provided. By reading the available tags, payment-based means are provided only when they match the pre-stored sales information (if the source is confirmed), and it is also possible to identify to the National Tax Service, the relevant tax office, and tax offices to prevent sales loss, tax evasion, etc. Another purpose is to provide a method and system for computing the same-day tax of the same-day payment method using tags and artificial intelligence.

In addition, the present invention confirms whether the location where the tag printing terminal is located is an installation request address, or a location where the learning function of the AI is mounted with the beacon's location receiver, to determine whether the illegal movement is not permitted when the location is changed. Another object is to provide a computerized management method and system for payment settlement means using an identifiable tag and artificial intelligence, which is determined to reject payment approval from an illegal mobile terminal.

In addition, the present invention, corporate businesses, merchants, and individual businesses using various credit cards, documents, contracts, bills, giro bills, receipts, etc. for each public administrative agency and various card slips, cash receipts, passbooks, virtual accounts , When using gift certificates, ticketing, admission tickets, rentals, etc., using RFID tags, identification barcodes, or QR codes using magnetic strips, magnetic fields and electronic circuits (including) paper or electronic forms, income, revenue, fees, or Another purpose is to provide a system to find out the distribution, distribution, concealment, stealth, concealment, illegal omission, and evasion of sales, and to calculate the exact amount of tax.

In addition, the present invention, the payment function and document function, such as in mobile phones and POS, ATM, kiosk, PC, phablet, mobile phones, etc., which function to pay for each electronic code, biometric authentication, bio authentication by non-face-to-face or real-name authentication , Either face authentication or fingerprint authentication is performed, and by using the identification number and barcode credit authentication card identified in the TAG identification barcode operator, goods, products, documents, documents, etc. are managed by ERP, CRM, etc., By using open API and OS-based, UI-based, UX, and web-based HTML5 for each server in the user's network network for each barcode, the ledger classification per block and computerized management of commissions, profits, and profits of each income or seller are managed. Utilizing AI's chatbot and deep learning and artificial intelligence's base and computational functions, it interacts and manages hundreds of thousands of data and combines with Wicon-based sensors to check real-time operation status. It can, provide traffic haryeoneunde engine functionality, navigation, reading capability, systems management and search features work only has another purpose.

In addition, the present invention, RFID TAG, identification barcode number, or QR code using a magnetic field, a magnetic strip, tags using electronic circuits, to prevent the distribution, classification, accounting accounting of operators, credit card slips, cash receipts, Bills, bills, giro, rental contracts, management fees, labor contracts, and commission slips, income slips, goods, logistics slips, etc., including corporate, franchise, personal, and app providers, as well as ballots, admission tickets, ticketing, insurance, Dry insurance, pension, severance pay, giro, cigarette, gift certificate, currency exchange, lottery ticket, transit ticket, road transportation cost, toll ticket, department store card, transportation card, duty free card, transportation card, merchant card, corporate card, passport, resident registration card, driver's license, automobile Taxes, gas stations, sports, courts, post offices, and fines for each department, franchise slips, agricultural and fisheries, public auctions, auctions, inheritance taxes, high income taxes, labor taxes, and plastic surgery, hospitals, clinics, and the US Tagging etc. bills imposed rooms, accountants, lawyers, attorney, judicial scrivener, licensed tax accountant, etc. nightlife pub worker, used cars and, to ferret out illegal large earner and non-registrants and provides a system for controlling haryeoneunde have another purpose.

 In addition, the present invention, by business or per document, app payment function, document function, etc., provided or presented by a financial company, a card company, or an administrative institution, as its own VAN company, PG company, Fintech bank Another purpose is to provide a system that can function, store, index, and manage computerized MAN cards, MAN card slips, MAN bills, giro, bills, contracts, etc. with magnetic strips, magnetic fields, and electronic circuits.

In addition, the present invention, as a VAN company acting as a business ledger to the National Tax Service, acts as a user's income, and reads and stores printed tags or magnetic fields, magnetic bands, and tags with electronic circuits in documents and bills of business operators. Another purpose is to provide a system for proxy payment or collection by database, by user, and by proxy.

In addition, the present invention, by creating a virtual ledger, a virtual currency exchange on a distributed ledger and bitcoin on a ledger-sorted blockchain, counterfeiting and forgery of non-registrants, non-trading merchants, fake certificates, fake slips, fake metering certificates, etc. Another purpose is to provide a computerized management method, system, and operating system to detect illegalities and provide on-the-day proxy payments to the National Tax Service at the same time as brokerage exchanges and exchange exchanges.

In addition, the present invention, the tag printing terminal, ATM, POS, kiosk, payment gate, when you make payments with your real name authentication app, RFID TAG, identification bar code, or QR code printed or stored terminal, tag printing function Built-in or mounted sensor module scan or 3D scan or virtual scan or built-in USB printing terminal, ATM, kiosk, payment gate terminal, etc. When installing, beacon positioning, LBS, AP location, Bluetooth 5.0 location, Wi-Fi 5.0 location, LTE 5.0 sensor and Wicon combined, or Laura location, GP, networks, WLAN AP, RF, CCTV, black box, layer, Frequency, AI, AR, VR, MR, GPS, GIS, etc. are installed inside the address, and the location receiver and low power mode receiver supporting IOT, ICT, and NFC are trained to check artificial intelligence function and check the installed location. After, TAG Another purpose is to provide a system for refusing payments by identifying unregistered illegal income earners and illegal unregistered sellers when used in locations and addresses that are out of business, TAG income earners, TAG sellers, TAG journalists, TAG contractors, or TAG fee recipients. There is this.

In addition, the present invention, a magnetic field, a magnetic strip, and an electronic circuit, an RFID TAG, an identification barcode, or a QR code function and an artificial intelligence AI base are used and applied, and distributed, divided and classified identification tag operators, Another object is to provide an integrated computational management, computational search, search engine and system of databases of identified documents, documents, bills, fees, invoices, sales, income and payment methods.

A computerized management method of a payment settlement means using an identifiable tag and artificial intelligence according to an embodiment of the present invention for achieving the above object is contracted in advance to share the tag printing terminal as a terminal for a representative operator in the integrated management server Self-employed businessmen (hereinafter referred to as high-income earners), corporations, or individual business operators located in a number of the highest tax rate segments, can be identified for mobile phones with artificial intelligence (AI) -based identification (advanced algorithms and big data) for tags and cards and cash Assigning a possible tag; Storing the identifiable tag for the terminal provided by the integrated management server in the tag printing terminal, and printing the identifiable tag information for the card on the surface of the credit card; Generating a payment request information by scanning identifiable tag information for the card of the credit card when the credit card is touched or touched by the tag printing terminal; When payment request information is received from the tag printing terminal by the integrated management server, the identifiable tags of the credit card and tag printing terminal included in the payment request information are read and matched with the sales information, and the database is converted into sales history information ( Or storing in a cloud; When the representative operator terminal receives payment approval from the integrated management server, printing an identifiable tag on the sales slip and outputting it; And extracting sales history information for each of the high-income earners and corporations or individual businesses from the database (or cloud) at a predetermined period set by the integrated management server, and transmitting it to a designated IRS server.

In addition, the computerized management system of payment settlement means using an identifiable tag and artificial intelligence according to an embodiment of the present invention stores an assigned identifiable tag and, for a credit card, when the credit card is attached or touched A tag printing terminal that scans the identifiable tag information to generate and transmit payment request information, and prints and outputs the identifiable tag given on the sales slip when receiving payment approval according to the payment request; A tag recognition terminal that reads an identifiable tag on a sales slip printed from the tag printing terminal and transmits the recognized identifiable tag information to determine whether it is an authorized sales slip, and displays whether payment is approved according to the presence or absence of a valid sales slip. ; And a self-employed business operator (hereinafter referred to as a high-income earner) located in a number of maximum tax rate agreements previously contracted to share the tag printing terminal as a terminal for a representative operator by integrating the functions of a VAN server and an electronic payment agency (PG) server. ), Robo Advisor based (AI with advanced algorithms and big data) through artificial intelligence (AI) for each corporation or individual business operator to provide an identifiable tag for a terminal and an identifiable tag for a card, and payment request information from the tag printing terminal When received, the identifiable tags of the credit card and tag printing terminal included in the payment request information are read and matched with the sales information, and stored in the database (or cloud) as sales history information, and stored in the database (or cloud) (cloud)) Printing of the unique identification tag stored in (certified) high income earners and corporations or individuals or service businesses An artificial intelligence (AI) / deep-learning learning-based integrated management server that transmits the judgment result for the presence or absence of a legitimate sales slip matching the received identifiable tag information to the tag recognition terminal based on each sales history information Includes.

In addition, according to the present invention, the RFID TAG and identification function barcodes and QR codes are integrated, by learning, reading, and calculating the tag functions that cover (including) magnetic fields, magnetic bands, and electronic circuits based on chatbots, robots, and artificial intelligence. Classify, distribute, distribute, and distribute documents and documents electronically or paper to users, users, traders' payment methods and incomes, sellers, illegal users, unregistered and illegal affiliates, self-employed persons and corporations to discover, distribute and split high-income and workers FIDO real name authentication and identification tag authentication ERP, EMV authentication and standards are implemented in a number of sections common to POS, ATM, payment kiosk, PC, fabric, and smart phone terminals. Roboadvisor-based (advanced algorithm and non-data and cloud) identifiable TAG and card for terminals, documents and documents, contracts, ticketing, admission Paper documents, electronic documents, card slips and cash receipt slips, invoices, to endow the cash receipts, identifying operators; The identifiable tag for the terminal granted by the integrated management server is stored in the tag printing terminal and the RFID tag, QR code identification barcode and magnetic strip, electronic circuit and magnetic field are put on the surface of the real name payment card (eg MAN integrated card.) Printing tag information and real name information authenticated by API, OS, UI, UX, and Web HTML5 by opening a small chipset USB or installing an app with a unique number of a real name barcode on a real name electronic card, magnetic card, or smart phone; When the USB-type card is used for payment or payment of goods or goods for the printing terminal, the flower is a type of flower on the POS terminal, mobile phone, or phablet, or it is used for identification authentication cards or payment for tags and artificial tags when used in 3D scanners. Intelligent AI, chatbot and robot generating scanned information and payment information and user and user information; When the integrated management server receives payment and billing issuance information from the printed terminal of the tag and the real name, the identification function of the payment card and payment agent tag recognition print terminal including the payment request or issuance request information Real-name function Payment function By reading the issuing function, matching sales information, income calculation, document information, and document-specific information, sales and non-registration, illegal sales departure, transaction history, inquiry history, duplicated history, search history, supply and refund with big data And storing in the cloud, blockchain, and bitcoin as the user's block end and real name authentication end.

In addition, the present invention applies and utilizes an artificial intelligence infrastructure that encompasses (including) the magnetic fields and magnetic bands of the identification function TAG and RFID, USIM, identification bar code, QR code, and electronic circuits. Paper slips and electronic slips are described as a technology that categorizes as a discriminatory business that divides, divides, and divides income from individual businesses, and raises income, or manages a business that does not fit into the vicious circle and social structure of viewing high-income workers in large corporations as corporate processing of taxes. Computing management by combining paper and electronics of road advisors and FIDOs with TAG authentication of payment recipients and recipients through AI and AI, chatbots, robots and deep learning to solve problems in receipts, bills, Giro, and business licenses. The system includes the assigned identification function and real-name TAG business, the type of TAG computation of the server that creates, stores, approves and rejects workers; Card vouchers and cash receipt vouchers, various administrative bills, payment statements, transaction statements, accounts or virtual accounts, passbooks or cannon passbooks, gift certificates, horse race ticketing or admission tickets, administrative fees, contracts, sales fees, lottery slips or receipts, casino admission tickets Or ticketing, sports game (transportation system; transit road traffic, subway, bus, car tax, high pass), (real estate; short sale, auction, down contract, rent, management fee, motel, hotel, sale, real estate fee, real estate certificate Including) currency exchange, (bank; passbook or dormant account, cannon passbook, subscription passbook), (car type; used car, spritz car, cannon car, taxi, transport car), massage, sauna, beauty salon, hospital, orthopedic surgery, dentistry, oriental clinic Use, use or trade, lawyers, patent attorneys, lawyers, accountants, tax agents, department stores, duty-free shops, ballots, pensions, health insurance, tobacco, local taxes, military, civil servants, public institutions, etc. In the case of TAG, the mandatory document or card slip and cash receipt slip or payment card are printed on the document with RFID TAG, QR code, identification barcode, magnetic field, magnetic strip, and electronic circuit or printed identification function tag. TAG printed documents and receipts, documents, operators, and workers, which are distributed, stored and searched per user's block, and are operated by terminals and app-driven terminals; By reading the sales slip or card slip printed on the TAG printing terminal and the cash receipt slip or real name authentication function tag, the certified document sales real name authentication various documents recognize the identification tag recognized to identify the supplier recipient of the real name tag authenticator. DBMS that prevents account accounting, spoofing, illegally authenticated, illegal cards, and illegal cards as a database. Real-name prepaid cards and legitimate vouchers are approved and rejected by the terminal. And fintech banks and the National Tax Service of financial companies that operate VAN and electronic payment agency (PG) in-house, manage slips of supply and demand, and provide real-name prepaid cards. Provides OS, API through ESB and EAI linkage through authentication, ERP, and CMS management, and integration of SI systems for forgery / falsification, illegal concealment, tax evasion, escape, illegal card can, camouflage transaction, camouflage business owner, camouflage merchant, and high-income earner , Disguise sellers, manage false work tax, service management, goods management, penalty management, tax management, accounting or food accounting management, TAG business management, TAG document management, TAG document management, portal payment management, management and provision Analysis is based on TAG history information, computer management, agency management, and search management are combined with artificial intelligence-based algorithms and learning of database and chatbot and robot. The TAG is not based on people's stick only to the individual product attaches itself to a guy with an integrated management server to ferret out a clear revenue and income

As described above, according to the computerized management method and system for payment settlement means using the identifiable tag and artificial intelligence of the present inventor, self-employed businessmen (hereinafter referred to as high-income earners), corporations or individual business owners located in the highest tax rate section, in advance to the relevant ministries If the user identification tag is not registered, it is recognized as an unregistered person, making it impossible to sell goods or services illegally, and identifying identification tags that have been previously assigned to various receipts, contracts, and notarized documents and payment function documents such as various branches. Tracking through technologies such as IoT (internet of Things), M2M (Machine to Machine), NFC (Near Field Communication), RFID, various sensors, Fintech and beacons, to increase sales by payment of taxpayers It is effective in preventing illegal acts of omission.

In addition, in order to illegally omit the sales of the merchant, if payment is performed by using the tag printing terminal of the ghost store without using the tag printing terminal of the merchant, payment authorization is not made, so card discounts, sales are missing, It has the effect of preventing the occurrence of tax evasion, etc. in advance.

In addition, according to the present invention, a unique identification tag (RFID tag, QR code, barcode number, biometric, human bio, fingerprint) for each high-income person, corporation or individual or service provider who uses the payment function of card, cash, app, and payment · Faces, etc.), you can approve the sales slip through the identifiable tag given only when the user's authentication is completed in case of sales, to prevent illegal sales omission, tax evasion, and concealment.

In addition, when a sales slip for a credit card company is presented to a financial company among the sales slip, payment function slip and app payment function, a printable label or a magnetic strip, a magnetic field, and an electronic circuit (identifiable) tag can be identified on the sales slip. By reading and approving payment function payment only when it matches the previously stored sales information (where the source is confirmed), it is possible to prevent sales omission, tax evasion, etc. to the IRS, the tax office, and the tax office.

In addition, it is determined whether the location where the tag printing terminal is located is an installation request address, a location in which a learning function of artificial intelligence is mounted with a beacon location receiver, and if the location is changed, whether the movement is illegal or not is permitted. It is possible to allow an illegal mobile terminal to reject payment approval.

In addition, according to the present invention, corporations, merchants, and individual businesses using various credit cards, documents, contracts, bills, bills, receipts, etc. for each public administrative agency, various card slips, cash receipts, passbooks, virtual When using accounts, gift certificates, ticketing, admission tickets, rentals, etc., use RFID TAG, identification barcodes, or QR codes using magnetic strips, magnetic fields and electronic circuits (including) paper or electronic forms, income, revenue, fees, Alternatively, the distribution, distribution, concealment, stealth, concealment, illegal omission, and evasion of taxes can be discovered and accurate tax amounts can be calculated.

In addition, in mobile phones and POS, ATM, kiosk, PC, etc., which perform payment functions for each electronic code, authentication of any one of biometric authentication, biometric authentication, face authentication, and fingerprint authentication in non-face-to-face or real-name authentication And manages goods, products, documents, documents, etc. by ERP, CRM, etc. using the identification number and barcode credit authentication card identified in the TAG identification barcode provider, and APIs for each server in the user's network network for each barcode, Using OS, UI, UX, web-based HTML5, etc., it manages the ledger classification per block and computerized management of fees, profits, and profits of each income or seller, but utilizes AI's chatbot, deep learning, and AI base Utilizing the calculation function, it can manage and manage hundreds of thousands of data interactively, and check the real-time operation status by combining with the Wicon-based sensor. , Navigation, it is possible to manage and perform the read function, the search function.

In addition, credit card slips, cash receipts, bills, bills, giro, lease contracts, administrative expenses, labor contracts, and commission slips, corporate, franchise, personal, and app operators, as well as income slips, goods, and logistics slips, Ballots, admission tickets, ticketing, insurance (including forced execution fees, debt receivables fees, customs duties and duty-free fees, service fees, and other high-income fees in the underground economy), health insurance, pensions, severance pay, giro, tobacco, gift certificates, currency exchange , Lottery ticket, transfer ticket, road transportation cost, toll ticket, department store card, transportation card, duty free store card, transportation card, merchant card, corporate card, passport, resident registration card, driver's license, automobile tax, gas station, sports, court, post office, each department fine Bills, franchise slips, agricultural and fisheries branches, public auctions, auctions, inheritance taxes, high income taxes, labor taxes, and plastic surgery, hospitals, oriental medicine, beauty salons, accountants, lawyers, patent attorneys, lawyers, etc. RFID tags, identification barcode numbers, or QR codes are attached to magnetic bills, magnetic strips, and electronic circuit tags on bills imposed on taxpayers, entertainment stores, used cars, etc. It is possible to prevent the distribution, classification, and accounting of business operators.

 In addition, by business or by document, app payment function, document function, etc., provided or presented by a financial company, a credit card company, or an administrative institution, functions as its own VAN company, PG company, or fintech bank, and self MAN cards, MAN card slips, MAN bills, giro, bills, contracts, etc. with bands, electronic circuits and magnetic fields can be stored, indexed, and computerized.

In addition, as a VAN company that acts as a business ledger to the National Tax Service, it acts as a user's income, and reads and stores printed tags or tags with magnetic fields, magnetic strips, and electronic circuits on slips and bills of business operators by DBMS / database. , For each user, a system for proxy payment or collection agency can be provided.

In addition, by establishing a distributed ledger on the ledger-classified blockchain and a virtual account and a cryptocurrency exchange on Bitcoin, the counterfeiting and forgery of counterfeiters, counterfeit certificates, counterfeit slips, counterfeit metering certificates, etc. At the same time, it can provide a computerized management method, system, and operating system for the same day agency payment to the National Tax Service at the same time as the brokerage exchange and exchange exchange.

In addition, when payment is made with a tag printing terminal, ATM, POS, kiosk, payment gate, personal name authentication app, etc., the RFID TAG, identification barcode, or QR code is printed or stored, and the tag printing function is embedded or mounted. When requesting installation of a print terminal, an ATM machine, a kiosk, or a payment gate terminal that includes a sensor module-type scan or built-in USB, etc., when installing the device at the address of an operator, merchant, or business address, beacon positioning, LBSAP positioning, Bluetooth 5.0 positioning, Wi-Fi 5.0 positioning, LTE 5.0 sensor and Wicon combined, or Laura positioning, GP, Networks, WLAN AP, RF, CCTV, black box, layer, frequency, sensor module, AI, AR, VR, MR After installing the GPS, GIS, etc. inside the address, learn the artificial intelligence function with a location receiver and a low-power mode receiver supporting IOT, ICT, NFC, and IC chips. TAG income earners, TAG sales Now, TAG-party documents, contractors TAG, TAG, or if the fee for use in self out of position and address, and identification as unregistered illegal income, illegal, unregistered sales may decline the payment.

In addition, the present invention, a magnetic field, a magnetic strip, and an electronic circuit, an RFID TAG, an identification barcode, or a QR code function and an artificial intelligence AI base are used and applied, and distributed, divided and classified identification tag operators, It can provide integrated computerized management, computerized search, search engine and system of database of identified documents, documents, bills, fees, bills, sales, income and payment methods.

1 is a view showing a computerized management system of payment and settlement means using an identifiable tag and artificial intelligence according to an embodiment of the present invention.
2A, 2B, and 2C are diagrams showing sales slips with identifiable tags according to an embodiment of the present invention.
Figure 3 is a flow chart showing the process of public institutions, financial institutions, payment related departments and bills, admission fees, giro, slips, receipts, etc. in the computational management of payment and settlement means using identifiable tags and artificial intelligence according to an embodiment of the present invention to be.
4 is a flowchart specifically showing a process of approving a sales slip and identifying a terminal location of an identification-specific tag provider and an app provider according to an embodiment of the present invention.
5 is a flow chart showing an authentication protocol between general communication equipment.
FIG. 6 is a flow chart showing a process of transferring information between a tag printing terminal, an integrated management server, a credit card company server, and a real name authentication group in the computational management of payment settlement means using an identifiable tag and artificial intelligence according to another embodiment of the present invention. .

Specific structural or functional descriptions with respect to the embodiments of the present invention disclosed in the present specification or the application have been exemplified for the purpose of illustrating the embodiments according to the present invention, and the embodiments according to the present invention may be implemented in various forms. And may not be construed as limited to the embodiments described in this specification or application.

Since the embodiment according to the present invention can be applied to various changes and can have various forms, specific embodiments will be illustrated in the drawings and described in detail in the present specification or application. However, this is not intended to limit the embodiment according to the concept of the present invention to a specific disclosure form, and it should be understood that it includes all modifications, equivalents, or substitutes included in the spirit and scope of the present invention.

Terms such as first and / or second may be used to describe various components, but the components should not be limited by the terms. The above terms are only for the purpose of distinguishing one component from another component, for example, without departing from the scope of rights according to the concept of the present invention, the first component may be referred to as the second component, and similarly The second component may also be referred to as the first component.

When an element is said to be "connected" or "connected" to another component, it is understood that other components may be directly connected to or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that no other component exists in the middle. Other expressions describing the relationship between the components, such as "between" and "immediately between" or "adjacent to" and "directly neighboring to," should be interpreted similarly.

The terms used in this specification are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this specification, terms such as “include” or “have” are intended to indicate that a feature, number, step, action, component, part, or combination thereof described is present, and one or more other features or numbers. It should be understood that it does not preclude the existence or addability of, steps, actions, components, parts or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person skilled in the art to which the present invention pertains. Terms, such as those defined in a commonly used dictionary, should be interpreted as having meanings consistent with meanings in the context of related technologies, and should not be interpreted as ideal or excessively formal meanings unless explicitly defined herein. Does not.

The present invention drives the application of the smart phone which is the digital mobile device of the device revolution, that is, operating system module, open os module, cpu module, o2o module, usb module, qr module, tag module, API module, camera module, etc. It is a technology related to payment collected by driving an application.

In the present invention, artificial intelligence (AI) is a deep learning, chat bok (CHATBOT), Watson, etc. read information from the device, and then calculates the sensing (SENSE) information to perform a plan (c-plan) to envision the next action, The intelligent secretary is mounted on PC, POS, ATM, mobile manager app, etc., and implements voice recognition, command recognition, and action driving as a central processing device and executes them with sophisticated algorithms for machine learning.

According to the present invention, artificial intelligence is mounted on operating systems such as wearables, watches, and beacons, thereby recognizing various invoices, slips, admission fees, bills, contracts, receipts, documents, and the like of operators and licensees.

The present invention is a tag label, a unique identification number, QR code, NFC code, IC chip code and core, RFID chip and code, USIM chip and non-face-to-face and face-to-face API, biometric authentication, biometric authentication and face recognition, fingerprint recognition, Link the smart watch card, digital card, sensor, chip and app to the S / W or H / W of the human body recognition app.

The present invention converts income businesses, corporations, individual businesses, group businesses, labor operators, service providers, merchants, etc. into businesses with unique identification tag numbers and TAG attached and QR codes printed in letterpress printing. It is a technology that artificial intelligence (AI) secretaries search and search.

The artificial intelligence (AI) applied to the present invention learns words with visual information, PIN code symbols and nodes, coins, cores, servers, links, sensors, and data through numerous computations of supercomputers and IOT-based objects. In search, the document server linkage module can be used and deep learning technology can be applied.

The artificial intelligence (AI) applied to the present invention can monitor T & A inquiry, authentication inquiry, user management inquiry, etc. in real time, utilize the movement path for each user's network, search the computing server of the central processing AI, and search for a numerical technique. LBS / RTLS, GIS, and Google satellites can be used for CPU digital evidence tracking.

The field of management of artificial intelligence (AI) applied to the present invention includes real-time distribution accounting, transaction books, tax offices, tax accountants, tax records records management, financial statements, distributed ledgers, central ledgers, state department information, delinquent bills, receipt management, delivery management, Inheritance tax document management, gift tax document management, various electronic bills and bidding history, corporate tax, administrative expenses, housing bonds, viewing tickets, admission tickets, ballots, liquid assets, non-registered business document management, meandering industry slips, accounting management, customs fees, bidding history, Income accounting, sales accounting, ghost real estate related documents and allowances and commission management, income management of entertainment companies, annual salary accounting, commission accounting, private school misconduct, tax accounting accounting, new report, notation, payment, various membership fees, commitment, annual fee, service Companies, Religious Import Management, Refunds, Pharmaceutical Association, Pharmaceuticals Association, Oriental Medical Association, Orthopedic Association, Dental Association Logistics Management Customs Overseas, Domestic Customs and Consumption Tax Management Document Delivery Management, Tag Lee, consignment trust document management, shopping management, real estate general management, management cost management, opening tax, license tax, payment history management, computer history management, luxury product management (bag, watch, shoes, clothes, automobile, glasses, household appliances, golf , Home chicken instruments, shopping products, luxury high school, luxury management, condominiums, officetels, hotels, etc.), domestic international (EMS) logistics and logistic management, including direct access, big data operation management.

The artificial intelligence (AI) applied to the present invention can connect to the tax revenues and the National Tax Service with big data and DBMS crowd ERP, CRM, in the era of cloud industry 4.0 5.0, and use API, OS that copes with hacking and hacker patterns. It can be used while changing UI / UX from HTML5 web-based to app-based.

Currently, the electronic payment infrastructure is expanding, and new technologies are occurring in foreign and domestic countries. In the present invention, various payments, app payments, fintech payments, bio-biometric verification payments, beacon and wearable payments, O2O payments, cryptocurrency (Bitcoin.Blockchain) payments, p2p rental financial payments, electronic wallet payments, and Credit card, check card, debit card, prepaid card, postpaid card, integrated transportation card, bio card, biometric card, fingerprint card, vein card, iris card, face recognition card, command card, voice card, watch card, etc. Face-to-face and non-face-to-face payment, NFC short-range wireless communication payment, IC chip payment, beacon payment, LoRa payment, Bluetooth payment, Wi-Fi payment, and corporate card, communication tarot card, graphic card, point card, cash card, etc. , Mart card, membership card, high pass card, road transportation card and subway and public card, smart card, pokemon card, transfer card, casino card, horse racing card, lottery card, game card, bicycle card, admission card Apply card payments such as ticket card, corporate card, simple PIN card, public card, pension card, military deduction card, gas station card, transportation card, department store card, duty free store card, TAG identification bar code card, income sales card, insurance card, etc. can do. Other than that, the inventor makes a card with a card that creates a new card with an RFID TAG interlocked with a one-stop mobile, a magnetic strip of barcode, a magnetic field and an electronic circuit (e.g., a MAN) card, and a card slip. The card cash receipt is managed by the VAN company PG company by the barcode search engine and managed by the electronic document itself.

As various payments and payments are currently spreading through simple payment and non-face-to-face payment markets, such as pay wars and app wars, various products and apps are being upgraded. In the present invention, V2X communication of the 5th industrial revolution, intelligent IOT wireless communication, object recognition, cognitive technology, smart sensor, 3D scanner, 3D print, toin module, WAVE communication Interoperability, OneM2M, M2M, IOT, ICT, artificial intelligence (AI) computation, RFID / usn, GPS, GIS, Wi-Fi, LoRa, IOE, Bluetooth objects and people and computers, POS, ATM, kiosk, gate, High-pass internal process, server, sensor, interconnect network user's internal network, external network, communication network, laser wireless Wi_Fi wireless LAN AP Laura, Bluetooth 5.0 communication module, communication speed, communication conversion EDR (Enhanced Data Rate) Add options, exchange NFC beacon positioning, and communicate with nearby GPS internal installations, recognize various electronic payments, wearable watch payments, use of transportation cards, voice recognition, command recognition, tag recognition, QR code recognition sentences, and input embedded data. By recognizing the code device, Automated interpretation of tens of thousands of words and tens of thousands of payments, and intelligent IOT autonomous judgment execution, data processing, and computation that allows objects to recognize and judge whether they are intelligent by themselves or not and quickly responds without sending massive amounts of database D / B to the cloud Through self-learning of collection intelligence through connection and synchronization, it connects things patterns and self-sensing functions with big data and cloud intelligence to connect with cognitive control and lightweight COAP protocol devices for payment.

Various supported apps (e.g., real estate app, management fee app, bill app, passbook app, payment card app, phone touch payment app, parking lot app, transportation card app, travel app, aviation app, Alba app, lottery prediction app, race ticketing) Manages, executes, tracks normal or abnormal locations with search engines, searches for tax evasion and illegality, manages and executes apps, economy ticketing app, admission ticket app, voucher app, legal passbook, cannon passbook, cannon car, cannon phone, receipt app, etc.) And supervise management supervision.

Hereinafter, the present invention will be described in detail by explaining preferred embodiments of the present invention with reference to the accompanying drawings. The same reference numerals in each drawing denote the same members.

1 is a view showing a computerized management system of a payment settlement means using an identifiable tag and artificial intelligence according to an embodiment of the present invention, and FIGS. 2A, 2B, and 2C are identifiable tags according to an embodiment of the present invention. This is a diagram showing the printed sales slip.

 Referring to FIG. 1, a computerized management system of payment settlement means using an identifiable tag and artificial intelligence according to an embodiment of the present invention includes a tag printing terminal 100, an integrated management server 200, and a credit card company server 300 ), A financial institution server 400, an IRS server 500, and a mobile terminal 600.

The tag printing terminal 100 stores the identifiable tag for the terminal granted from the integrated management server 200, scans the identifiable tag information for the card of the credit card when a credit card is attached or touched, and generates payment request information To the integrated management server 200.

When the tag printing terminal 100 receives payment approval from the integrated management server 200, the tag printing terminal 100 is a terminal granted from the integrated management server 200 on the sales slip through the tag printing unit 110 It prints out one or more of the identification tag for cards or the identification tag for cards. 2A, 2B, and 2C are diagrams showing sales slips with identifiable tags according to an embodiment of the present invention.

The tag printing terminal 100 includes wired / wireless POS terminal, PC terminal, ATM smart terminal including USIM, barcode reader, beacon module, RFID reader, sensor signal receiving module, Internet of Things (IoT) module, machine to machine (M2M) It may be configured to include at least one of a module, NFC (Near Field Communication) IC card module, traffic card module, management fee card module. That is, it has the scalability to use a suitable module among various modules according to the surrounding technology environment.

For example, when the surrounding technology environment is IoT based that is the Internet of Things, the tag printing terminal 100 may use an IoT module, node, core, or code driven by an app operator among various modules. The tag printing terminal 100 using such an IoT module is shown in FIGS. 2A, 2B, and 2C on documents such as sales slips, receipts, bills, contracts, invoices, copies, and administrative expenses, barcodes, RFID tags, QR codes, or It prints identifiable tags with magnetic strips, magnetic fields, and electronic circuits, or performs the function of wrapping them with magnetic strips.

Examples of slips that the tag printing terminal 100 can print include, entertainment stores, liquor associations, corporate real estate, administrative expenses (electricity taxes, water taxes, gas costs, communication expenses installments, etc.), internet transactions, lending business, and real estate business (for example, rental business). Construction, sale, etc.) Contracts, real estate contracts, fixed date fees, pharmacist, lawyer, patent attorney, accountant, tax accountant, academy, beauty salon, road transportation expenses (for example, high pass, road expenses, etc.), taxis, various bills, beauty salons, private agency ( Casino, horse racing, racing, sports Toto, on / offline bookmaker, lottery, etc.), funeral association, ritual portal association, gift certificate, shopping mall, overseas direct agency agency, research expenses, insurance, stock, passport, local tax notary document, release ticket, money transfer, Withdrawals, deposits, bankbooks, fines, auctions, auctions and invoices, business registration certificates, currency exchange, dividends, transportation cards, ballots, resident registration cards, driver's licenses, taxes, asset management, accounting, corporate taxes, cannon cars, cannon bankbooks, various domestic Card, overseas credit card, check card, point card, ATM, POS, OTP card, NFC card, IC USIM card, PC, token, beacon, watch, wearable, Visa card, Amex Express card, overseas various pay, blockchain card , Virtual Currency Card, Virtual Account Card, Various Pay, Various App Cards and Dollars, Yen, Foreign Currency (US Dollars USD), Japanese Yen (JPY), Multi Currency Automated Machines ATM, Video, Capture, Forensic Mobile App By linking it with a passport, a resident registration card, and a driver's license, a biometric bio, voice, face, iris, fingerprint recognition, face-to-face card, real-name verification pass, gas station, shopping payment, drone payment, cross payment, aviation, housing There are documents related to pensions, navigation payments, air payments, various utility bills, remittance and currency exchange bills, bills, bids, service charges, KORAIL, customs, housing construction, property managers, central government local taxes, and golf receipts.

In addition, when the tag printing terminal 100 transmits the payment request information to the integrated management server 200, it performs the user authentication of the corresponding provider through the authentication unit 120, and receives the payment request information only when the authentication is completed. send. At this time, the personal authentication may use at least one of biometric authentication (fingerprint, iris, voice, face, retina, blood vessel, palm, etc.) or biometric authentication.

In addition, the tag printing terminal 100 checks from time to time whether the current location is the terminal installation request address through the location tracking unit 130, and when the location of the tag printing terminal 100 is changed, the tag printing terminal 100 is sent to the integrated management server 200. You can send a location move message.

In this case, the location tracking unit 130 may confirm the location through at least one of a sensor, a beacon, an Internet of Things (IoT), and a location-based service (LBS). In addition, the location tracking unit 130 is at least any one of wearable technology, Bluetooth, Zig-Bee, Bluetooth, Beacon, Wicon, Wi-Fi, Z-Wave, Weightless, IEEE802.15.4g / k It can be implemented using a single technique.

The integrated management server 200 integrates the functions of a VAN server and a PG server. The integrated management server 200 is self-employed (hereinafter referred to as high-income earners), corporations or individual operators and service providers located in a number of highest tax rates, pre-contracted to share the tag printing terminal 100 as a terminal for a representative operator, It gives an identifiable tag for a terminal and an identifiable tag for a card.

At this time, the identifiable tag can be given based on Robo Advisor, an online asset management service that performs portfolio management through advanced algorithms such as deep learning using artificial intelligence (AI) and big data.

In addition, the integrated management server 200 may assign a unique serial number according to the type of the payment slip so as to discriminate general sales, reimbursement, incentive bonus, and commission, and use this number to identify the sales type of the payment slip.

When payment request information is received from the tag printing terminal 100, the integrated management server 200 reads the identifiable tags of the credit card and tag printing terminal 100 included in the payment request information and matches the sales information. , Store it as sales history information in a database or cloud.

The integrated management server 200 and the identifiable tag information received from the tag recognition terminal 410 of the financial institution server 400, based on the sales history information for each high-income and corporate or individual business operator stored in a database or cloud. It may be determined whether there is a legitimate sales slip matched, and the result may be transmitted to the tag recognition terminal 410 of the financial institution server 400.

In addition, the integrated management server 200 extracts the sales history information that is withdrawn daily from high-income earners and corporations or individual businesses stored in a database or cloud from ATM devices that are authenticated daily, at designated cycles, and designates the IRS server 500 Can be transferred to.

On the other hand, as a method of giving the credit card an identifiable tag for a card in the integrated management server 200, a method of putting a magnetic strip, a magnetic field and an electronic circuit on the metal surface of a nano-flexible credit card thinner than a metal tag credit card Can be used. It is also possible to use a method of forming a barcode or QR code with an identifiable tag on a metal surface. And, it is also possible to use a method of mounting an RFID electronic tag with an integrated antenna on a PET resin having a thickness of 3 to 4.5 mm and 0.55 mm inside the metal surface.

In addition, the integrated management server 200 may include a function of granting an identification tag for an operator card to an SD operator.

In addition, the integrated management server 200 may perform a function as an electronic payment agency (PG) company during payment or transaction through the portable terminal 600. That is, in order to include the identifiable tag of the portable terminal in the payment information, a function of assigning and storing the identifiable tag to the portable terminal 600 may be further included.

Here, the payment or transaction through the portable terminal 600 is O2O payment, simple app (for example, delivery app, real estate app, parking lot app, Alba app, etc.) payment, electronic money (in-house example, MAN Pay and simple app) It can include payments such as driven payments, payments in cryptocurrencies (such as Bitcoin), P2P payments, and various foreign and domestic FinTech, B2C, and B2B transactions.

At this time, the app card payment, smartphone app (app) payment, beacon payment, Bitcoin virtual payment, blockchain payment is performed by the central processing unit (CPU) of the portable terminal 600 through the OS and API through the node of the portable terminal 600 · Can be processed at the link end.

And, in the case of a payment app or a fintech transaction, the integrated management server 200 uses various card and cash payment flow data, sales data, business data, slip data, and IRS tax data as machine learning algorithms, machine learning, and road advisors. Intelligent learning can be done.

Here, the portable terminal 600 may correspond to a smart phone, but is not limited thereto, and may include personal computers and IPTVs as well as portable communication devices such as PDAs, notebooks, and handheld PCs.

That is, the portable terminal 600 is a credit card (including an EMV card, etc.), virtual currency (for example, bitcoin, etc.), digital currency, P2P currency, foreign and domestic various payments, paper money, electronic money, cryptocurrency, etc. It may include devices that can be used. In addition, the portable terminal 600 includes devices that can be used in various payments for foreign and domestic apps (app), payments using virtual card numbers, foreign exchange (FX) transactions, foreign and domestic fintech transactions, and internet bank transactions. can do.

At the time of payment using the portable terminal 600, a terminal (a payment assistance terminal) having a function of scanning, flowering or scratching a credit card, etc. may be attached to the portable terminal 600. At this time, the payment assistant terminal enables the payment to proceed by the hardware of the portable terminal 600 and the software such as USB, sensor, chip, CPU, OS, API, and the like. In some cases, the payment assistant terminal may not be attached to the portable terminal, but may be combined through the Bluetooth function.

The financial institution server 400 includes a tag recognition terminal 410 capable of recognizing an identifiable tag printed on a sales slip. That is, when a business operator submits a sales slip, the financial institution server 400 reads an identifiable tag printed by the tag printing terminal 100 on the sales slip through the tag recognition terminal 410.

The tag recognition terminal 410 may recognize not only sales slips with identifiable tag information printed, but also bills and invoices with identifiable tag information printed thereon.

The financial institution server 400 transmits the identifiable tag information recognized by the tag recognition terminal 410 to the integrated management server 200 in order to determine whether or not it is a legitimate sales slip.

If the integrated management server 200 determines that it is a legitimate sales slip and notifies the financial institution server 400, the financial institution server 400 approves payment for the sales slip submitted by the business operator and pays the price. If the integrated management server 200 notifies that it is not a legitimate sales slip, the financial institution server 400 rejects payment for the sales slip submitted by the business operator.

In addition, the financial institution server 400 rejects the payment approval request when the payment slip, which has already been authenticated and payment processing has been received, is received again. Even if a payment slip with multiple identical identifiable tags is received, the payment approval request is immediately rejected.

The integrated management server 200 applies on-line fraud detection (e-FDS), physical reproduction prevention (PUF, VIAPUF) authentication standards, and IDs for biometric authentication and biometric authentication (application of FIDO authentication standards). Apply EMV standard to prevent hacking and theft.

When the tag recognition terminal 410 of the financial institution server 400 checks the sales slip presented by the operator, when there is no identifiable tag displayed by a barcode, RFID tag, QR code or magnetic strip, magnetic field and electronic circuit, the financial institution server 400 refuses to withdraw or deposit money from the sales computer system or ATM.

The integrated management server 200 provides machine learning, artificial intelligence (AI) machine learning, and deep learning to detect fraudulent financial transactions. Real-time monitoring, time and attendance management system, voice phishing management, road advisor real-time monitoring, tracking system of data algorithm training of artificial intelligence of Microsoft applied with technology of account management, document centralization, document network separation, document record management, high-performance computer principles and systems A / S and image processing VMS / VA interlocking collection search engine, learning data, information encoding, and tag encoding of the portfolio, network connection and data processing and payment calculation method of devices, NTIS computerized management engine and FDS (Froud Detection) Fraud detection system and National Tax Service Home Tax can be used.

The field that can be performed with the computerized management system of payment settlement means using the identifiable tag and artificial intelligence of the present inventor is the app, web fintech URL, electronic format smart tridevice and OS support (iOS, ANdroid, API.UX / UI.DB) Management and electronic tags, electronic RFID and electronic QR codes, magnetic strips printed with electronic unique identification numbers, electronic asset management (including) with magnetic fields and electronic circuits, electronic computing management, electronic payments and electronic payments, electronic contracts, electronics Management expenses, electronic documents, electronic documents, electronic records management, electronic sales management, electronic slip management, electronic merchants and business sites, establishments, electronic permits, electronic operators, and electronic management expenses systems (for example, officetels, apartments, malls, hotels, houses , University Lease, etc.), Electronic Tag Agreement, Electronic Tag Real Estate Integration Agreement (registered, contracted, fee, auction, public auction, contract with a rental business, etc.), receipt slip, register right, final report, sale, right , Monthly rent, charter, rental business, sale, exchange, land, hotel, motel, shopping mall, officetel asset management, trust management, corporate management, accounting management, anti-counterfeiting management, electronic duty free shop, shopping store payment slip, electronic insurance or insurance slip , Electronic Disclosure Accounting Document Management, Electronic Penalty Documents, Electronic Delinquency and Penalty Fees, Rebates and Commissions, Various Apps (e.g., People to Delivery, Alba App), Multi-level and Brokers, Unregistered Operators, Suspicious Accounts, Rental Fees, Private Entry Tickets, Tickets , E-certificate, customs duties (e.g. transportation costs, logistics, delivery, goods storage, airlines), self-employed persons, income earners, corporate operators, pension management inheritance tax and gift tax management, integrated parking lot management, stock futures trading, road transportation costs and high-pass delinquency, Areas related to local taxes, accounts (transfers, withdrawals, points, receipts, transfers, interest, refund accounts), electronic bankbooks, and e-signs.

On the other hand, the integrated management server 200 is an IOT-based sensor and module in electronic commerce, electronic tag beacon, wearable, fintech, simple payment, face recognition, face-to-face and non-face-to-face biometric authentication, bio authentication, voice recognition, and touch panel system And manage it.

The integrated management server 200 captures receipts and various credit card sales slips, incorporates an interface for digitally printing analog information, and connects to short-range wireless communication based on CC authentication and CI-RTLS on the network separation system, Code system middleware system and tags are applied in Internet (IOT) and RFID / USN app (APP) HTML5 (web-based) M2M.S / WH / W.

The integrated management server 200 registers operators, franchisees and sellers in the tag printing terminal 100, and uses, manages, manages sales, authenticates, manages terminals, sets security, changes modules, and authenticates users (App authentication). Real-time monitoring, traffic inquiry, and intelligent ICT-based payment and sales management to grasp the history.

In addition, the integrated management server 200 connects things and communication based on the IOT of Industry 4.0 (or 5.0), interworking with a touch digital process that converts analog to digital, and a server, and digital 3D with NRW standard and ERP system. It supports motion and control.

The integrated management server 200 includes CMC data standards, step-by-step algorithms for authentication system modules, CAD, ballroom, virtual simulation standard ENR, electronic document SAP, certified electronic document, IRS electronic document management, affiliate store and business site Deep learning and artificial intelligence (AI) computation algorithms are installed on the ERP with identification tags and QR codes attached to the business address, and parallel computation is performed.

The central processing unit (CPU) of the integrated management server 200 identifies a business operator with an identification bar code of a high-income earner through sequential calculation and parallel calculation.

The integrated management server 200 records various payments and deposits, withdrawals, tax payments, giro, etc. of accounts, mobile accounts, etc. through the calculated algorithm, records the calculations, and automatically collects them into the integrated system.

Various payments identified by the integrated management server 200 include credit card and cash card payments, simple payments, various payments, fintech payments, POS payments, ATM payments, mobile payments, watch payments, bitcoin payments, Virtual payments may be included.

The integrated management server 200 automatically retrieves computer records from nodes, sensors, modules, clouds, and open source big data, separates them into QR codes, and pays and revenues for each data and network, as well as various payments and sales with users and buyers. Documents are managed and implemented in deep learning.

The operation process according to the embodiment of the present invention configured as described above will be described in detail with reference to the accompanying drawings.

3 is a flowchart illustrating a computerized management process of payment and settlement means using an identifiable tag and artificial intelligence according to an embodiment of the present invention.

Referring to FIG. 3, first, the integrated management server 200 is self-employed (hereinafter referred to as a high-income earner), a corporation, or a company that is pre-contracted to share the tag printing terminal 100 as a terminal for a representative operator in advance. For each individual operator, an identification tag for a terminal and an identification tag for a card are given (S200).

At this time, the identifiable tag can be given based on Robo Advisor, an online asset management service that performs portfolio management through advanced algorithms such as deep learning using artificial intelligence (AI) and big data.

In addition, the integrated management server 200 may assign a unique serial number according to the type of the payment slip so as to discriminate general sales, reimbursement, incentive bonus, and commission, and use this number to identify the sales type of the payment slip.

Subsequently, the integrated management server 200 stores the identifiable tag for the terminal in the tag printing terminal 100, and prints and issues the identifiable tag information for the card on the surface of the credit card (S210).

Then, when a credit card is attached or touched to the tag printing terminal 100, the tag printing terminal 100 scans the identifiable tag information for the card of the credit card, and pays with the identifiable tag information and sales information for the terminal. The request information is generated and transmitted to the integrated management server 200 (S220).

When the payment request information is received from the tag printing terminal 100, the integrated management server 200 reads information of the card and terminal identification tags included in the payment request information and matches the sales information, Stored in the database or cloud as sales history information (S230). In some cases, sales history information may be stored in the form of big data.

At this time, the information of the identification tag for the card may include the serial number of the card, the card type, the holder's name, the holder's resident number, the address of the holder, the payment date, the payment location, and the like.

And the information of the identifiable tag for the terminal may include information about the business name, business registration number, business address, payment date, payment location, issuance location, payment settlement of the business within a set period.

Here, when the tag printing terminal 100 transmits the payment request information to the integrated management server 200, the user authentication of the corresponding provider is performed, and the payment request information is transmitted only when the user authentication is completed. This is to prevent illegal acts of missing sales by blocking payment by third parties who are not parties. At this time, the personal authentication may be applied to at least one of biometric (human) authentication (fingerprint, iris, voice, face, retina, blood vessel, palm, etc.) or biometric authentication.

Subsequently, the integrated management server 200 transmits the payment request received from the tag printing terminal 100 to the credit card company server 300 (S240).

Then, the integrated management server 200 receives information about whether or not the approval from the credit card company server 300 (S250). Subsequently, the integrated management server 200 transmits information on whether to approve or not to the tag printing terminal 100 (S260).

In connection with the present invention, the integrated management server 200 stores the details of approval and rejection of the credit card company server 300 for the payment request received from the tag printing terminal 100 in a database.

According to step S250, when the tag printing terminal 100 receives the payment approval from the integrated management server 200 (S260), the tag printing terminal 100 QR code, barcode, RFID shown in Figures 2a, 2b 2c, etc. At least one of a tag or personal identification number (PIN) or a magnetic strip is printed on a sales slip and output (S270).

Meanwhile, the integrated management server 200 extracts sales history information for each of the high-income earners and corporations or individual businesses from a database or cloud at a predetermined cycle, and transmits the sales history information to the designated IRS or government office server 500 ( S280). Of course, the integrated management server 200 may transmit sales history information to the IRS server 500 in real time, not at regular intervals.

At this time, the integrated management server 200 utilizes a fraud detection system (FDS), applies the Trusted User Environment (TrustedUI), applies ARS, SMS, OTP, IC, NFC bio authentication, and biometric authentication to the operating system. UNIX, LINUX, UTM, IDS, IPS, FIDO, OS, PKI, SDK, DB, UI, API, iOS, TKI, HSM, Java, Android, etc. can be used.

In addition, the integrated management server 200 is card authentication, CVC hacking replication or document tracking or time tracking when exporting, secure DRM. DLP and document centralization interlock with capture prevention, copy protection, export file browsing and storage security in server management in DRM network, real-time authentication ARS, SMS, phone 2 phone payment, P2P payment, B2B payment, B2C payment, O2O payment, ATM payment, TAG and unique identification number, QR code printed laundry order, document management payment management, usage management, bank window management, blockchain or simple app payment, Bitcoin payment and various payments, and fintech , Drive apps used for virtual payments, currency payments, etc.

In addition, the integrated management server 200 connects the user's entrusted and entrusted flows with the IRS, connects to the bank, and calculates the flow of the app to apply the illegal money laundering at the bank window to the window to which the present invention is applied.

The integrated management server 200 handles illegal money laundering (1) CDD (customer) (2) CTR (currency) (3) STR (suspicious), anti-terrorism financing regulation (1) FATF (Financial) (2) ) FATCA (Foreign) (3) FTA (Frce) (4) IBRD (International).

The integrated management server 200 reports OS payment transfer, remittance, payment, transfer system, asset management, and trade settlement to each applicable tax office through artificial intelligence.

The integrated management server 200 includes receipt management, data management, document management, contract management, records management, sales management, tax management, business management, accounting management, corporate management, election voting management, administrative work, registration work, and civil public documents. Management, computational management, etc. are managed with tags, unique identification numbers, and print-type QR codes, areas, districts, cities, and provinces are selected as resident registration sites, locations are managed by identifiers, and security vulnerabilities are machine-learned. This search process solves it.

In addition, the integrated management server 200 is equipped with a robot that performs deep learning and monitoring of artificial intelligence, bank account management, sales management, ATM payment, POS payment, PC payment, OTP SMS, URL, SNS, AR4S, IOS10, OSX, Web, UTML5, WAS, TTY logging FCPA and DOJ collection preservation orders, DPA (Deferred Prosecution Agreement), fine NPA (Non-Prosecution Agreement) can be used.

In addition, the integrated management server 200 performs management output learning and calculation through artificial intelligence calculation records, such as national taxes, import fees, royalties, fees, R & D research expenses, fraud fees, false contracts, rebates such as national subsidies, etc. Or, by identifying the illegality of payment, it can act as a watchman for corruption.

Meanwhile, FIG. 4 is a flowchart specifically showing a process of approving a sales slip and confirming a terminal location of an operator or an app operator according to an embodiment of the present invention.

In step S270 of FIG. 3, when the tag printing terminal 100 prints and outputs an identifiable tag on the sales slip, the operator presents the sales slip for the card company among the sales slip to the financial company.

Referring to FIG. 4, the financial institution server 400 reads an identifiable tag printed on a sales slip presented by a business operator through the tag recognition terminal 410 (S300). At this time, the tag recognition terminal 410 may read an identifiable tag printed on a payment slip, such as a bill, as well as a sales slip.

Subsequently, the financial institution server 400 transmits the identifiable tag information read from the tag recognition terminal 410 to the integrated management server 200 (S310).

The integrated management server 200 determines whether there is sales information matching the identifiable tag information transmitted from the financial company server 400 based on the sales history information for each high-income, corporate, or individual business operator stored in the database (S320).

When there is sales information in the database, the integrated management server 200 transmits a message informing that there is corresponding sales information to the financial institution server 400. If there is no sales information in the database, the integrated management server 200 transmits a message indicating that there is no sales information to the financial institution server 4000 (S330).

When the financial institution server 400 receives a message informing that there is corresponding sales information from the integrated management server 200, it determines that the sales slip or payment slip presented by the operator is a legitimate sales slip or payment slip, and approves the payment. To pay the bill. However, when a message indicating that there is no corresponding sales information is received from the integrated management server 200, the financial institution server 400 determines that the sales slip or payment slip presented by the operator is not a legitimate sales slip or payment slip, Try to refuse payment.

Of course, the financial institution server 400 rejects the payment approval request when the payment slip, which has already been authenticated and payment processing has been received, is received again. Even if a payment slip with multiple identical identifiable tags is received, the payment approval request is immediately rejected.

On the other hand, the tag printing terminal 100 checks from time to time whether the location where it is located is the installation request address (S350). At this time, at least one of a sensor, a beacon, an Internet of Things (IoT), and a location-based service (LBS) is used to confirm the location of the tag printing terminal 100. In some cases, wearable technology, Bluetooth, Zig-Bee, Wi-Fi, Z-Wave, Weightless, IEEE802.15.4g / k can be used.

5 is a flow chart showing an authentication protocol between general communication equipment. Referring to FIG. 5, first, the terminal 530 sends a connection request signal to the server 510 (531). Thereafter, the server 510 responds to the terminal 530 for authentication (541). As a result, authentication is not performed, but connection is possible. Thereafter, a process of checking a security code for authentication, etc. is performed (551), and when the authentication process is completed, a normal connection 570 is established. Of course, if authentication is not possible, the connection may be disconnected again.

Therefore, even if the authentication password is not known, it is possible to exchange device IDs, MAC addresses, or IP addresses, etc. with devices that can be connected to the surroundings and store them in a tag printing terminal. When the tag printing terminal 100 using such an authentication protocol is installed, not only the personal authentication data of the operator, but also data about the surrounding wireless communication environment can be stored in the internal storage space.

For example, in the case of using Wi-Fi to check the location of the tag printing terminal 100 as follows.

Even without a Wi-Fi connection, the name of each Wi-Fi device installed around the tag printing terminal can be known. Among these Wi-Fi devices, the number of cases fixed in a building is gradually increasing. If the IDs of the Bluetooth, beacon, wicon, and Wi-Fi devices fixed in the building are recorded during installation, the Wi-Fi devices detectable by the tag print terminal 100 change when the device moves, so the position of the tag print terminal changes. can confirm.

The tag printing terminal 100 searches for the ID or IP address of a nearby accessible device, and determines that its location has changed when the fixed devices around it change or when the accessible devices around it show frequent changes. can do.

The tag printing terminal 100 transmits a location movement message to the integrated management server 200 when its location is changed (S360).

When the location management message 200 is received, the integrated management server 200 determines whether the movement is illegal or not (S370), and transmits the determination result to the tag printing terminal 100 (S380).

When the tag printing terminal 100 receives the result of illegal movement from the integrated management server 200, the tag printing terminal 100 outputs a message rejecting the payment approval request at the illegal location on the screen (S390). This is to prevent illegal acts of missing payments by blocking payments in third places, such as rejecting payment approval requests based on the result of the user's authentication.

When the tag printing terminal 100 stores information on a wireless communication device that can detect a wireless signal, the terminal itself may output a message on the screen that refuses to approve payment.

However, if an abnormality occurs in the surrounding wireless communication equipment, it is burdensome to the normal business operator, so in addition to the personal identification of the business operator, additional personal information of the consumer is requested, and payment of the normal business operator is possible, but in the case of abnormal business operators, tax evasion is prevented. You will be able to.

In addition, the step S200 of giving an identifiable tag includes: mobile payment through the portable terminal 600, O2O payment, app (App: for example, delivery app, real estate app, parking lot app, Alba app, etc.) payment, electronic money ( Alipay, Samsung Pay, LG Pay, etc.), virtual currency (Bitcoin, etc.) payment, P2P payment, domestic and foreign FinTech (BinTech), B2C, B2B transactions can also be applied.

Even in this case, the integrated management server 200 performs a function as an electronic payment agency (PG), so that the tag print terminal 100 of the corresponding payment server is given an identifiable tag for the terminal so that the identifiable tag is included in the payment information. By storing the data, the payment history can be tracked, thereby preventing the tax from escaping due to missing sales.

At this time, the mobile payment may include a payment function of a biometric authentication (FIDO) card and a payment function of a bio-authentication card, and may further include NFC, beacon payment, and location payment by mobile payment other than the card. The card approval, card information, and token information are generated from the coin, code, block end, and link end sensors used in the payment method and stored in the payment storage.

On the other hand, in the present invention, the card user or the person paying may be the card owner himself or another person.

For cardholders, sellers, and operators, the integrated management server 200 is composed of an artificial intelligence (AI) and deep learning, a payment assistant, a resume assistant, an IRS secretary, an electronic document secretary, and a record management secretary. , Voice churn management, transaction collection management, overseas churn management, arrears management, national subsidy churn management, settlement congestion, etc.

The artificial intelligence of the integrated management server 200 becomes the secretary of machine learning in the era of Industry 4.0 and 5.0 in card payment, app payment, face-to-face and face-to-face payment.

The artificial intelligence (AI) secretary of the integrated management server (200) is a high-income, corporate document server and big data and cloud and electronic documents and electronic data, electronic documents and electronic documents, digital documents, paper documents, tag documents, Card data document, payment data document, various contract tag document, tag and QR code business document, resident registration tag document, driver's license tag document, passport tag document, appraisal tag document, correction certificate, warranty card, gift certificate, voucher, app document, web document , Terms of Use Document, RFID, USIM Document App Document, Bill Document, Fine, Giro. It manages documents such as illegal passbooks, trusts, nomination accounts, nominee stocks, nominee operators, enrollment fees, seal certificates, real estate contract documents, management budget documents, final date documents, comprehensive real estate documents, fees, profits, and incentives.

The electronic payment assistant electronic program of the artificial intelligence (AI) of the integrated management server 200 acts as a secretary to manage the electronic document management and history of the electronic payer and the user, and calculate payments and sales to link with the IRS. .

At this time, the integrated management server 200 is equipped with artificial intelligence (AI) to perform parallel computation sequentially, coding, core, source, sensor, module, node, coin, link stage, cloud ERP in the central processing unit (CPU) And DB, ATM, POS, PC, mobile phone, and smart phone manager, which automatically collects API and OS.

The artificial intelligence (AI) of the integrated management server (200) includes mobile and POS (POS), ATM (ATM), apps, simple pay, mobile operator app, merchant app, by salesperson, business operator, and income earner. You can learn tax by deep tax, deep mind, and calculation records of tax.

The artificial intelligence (AI) of the integrated management server 200 can beacon location learning on the payment location, address learning, and transaction location. The artificial intelligence (AI) of the integrated management server (200) includes Bluetooth location navigation, GPS satellite radio communication location, unique SD card of the integrated server, identification bar code identification unique number, QR code number, RFID printed and printed. Can learn about

The artificial intelligence (AI) of the integrated management server 200 is a card that blooms on the USIM and USB, and can select one of Android OS OS recognition, voice recognition, fingerprint recognition, face recognition, biometric recognition, biometric recognition, and human recognition. Next-generation security department, standard GSI, UTDLab and SSL, decryption and URL Filtering settings, CMOS sensor as a security server system can be learned as a machine learning secretary and manager.

In addition, the artificial intelligence (AI) of the integrated management server (200) is artificial intelligence (AI) and deep learning, machine learning algorithms and training, overseas finance and payment cards, domestic financial payment cards, electronic bankbooks, electronic signatures, payment users, It is possible to apply machine learning by road advisors of settlement seller forecasting, advancement, market analysis and natural language analysis.

The artificial intelligence (AI) of the integrated management server 200 applies tax calculation, payment calculation, sales calculation, usage calculation for payment big data, and a business area that the calculation engine can apply by using a search engine for collecting payment big data. In, by card identification, payment identification, card industry paperless TF computing system, VAN, QR code, unique identification barcode number, electronic signature and electronic passbook, electronic ATM electronic computing, payment book distribution network and DB server big Blocks the transaction details (transfer, deposit, and exchange) from the data and supercomputers and the cloud to the block chain, and centralizes the block stages to block the transaction history, transaction books, and transaction slips. TAG, QR code, unique identification number tag label, and RFID can be applied to DLT (Distridued Ledger Technology), which raises like a tower in reverse like a chain).

The artificial intelligence (AI) of the integrated management server 200 applies the domestic (ICS) industrial control system with hacking prevention and security by preventing the hacking and hacking of the computerized management system by machine learning by separating the network for each API from the central code. Even without a center or store (no store), network banks can separate counterfeits and bills.

The artificial intelligence (AI) of the integrated management server (200) is applied and approached as a learning algorithm at the block stage, so that supercomputers and ATMs can connect 24 hour stores and affiliates to task force (TF) automation devices, TAG and QR code VAN networks. Credit card network, payment card network, and sales voucher network, and automatic processing by electronic processing, image processing, image processing, signal processing, customer management sales management by VR / AR, exit management, automatic coding in machine learning Machine learning to prevent code, tax evasion, illegality, omission, and concealment can learn data.

The artificial intelligence (AI) of the integrated management server 200 is learning to authenticate the card authentication of the command recognition FCI-DSS to the owner-separated network on the network, object recognition, security token (HSM), IC authentication, digital motion recognition, electronic signature Or electronic bankbook, paper slip, electronic cigarette and electronic sales slip, VAN's SDTAG card, one card, AI data is composed of CPU, and numerous servers are coded and coded, sensors and sensing UI / UX.HTML5 web browser and It is possible to manage the payment system and user's payment slip, tax flow, accounting flow, and account flow record by search method and learning algorithm quantified by web payment and app payment.

The artificial intelligence (AI) of the integrated management server 200 uses the non-face-to-face payment, credit card, check card, point card, commerce platform, O2O payment, P2P payment, SNS, URL, SMS payment commerce card. , Platform payment, Kakao, Wichim, Line, Blockchain payment, Bitcoin payment, Biometric authentication card (fingerprint, iris, vein, palm, blood vessel, etc.) payment, Bio authentication card payment, App (APP) card payment, IC card, It relays NFC short-range wireless communication card, face authentication, human body authentication card, e-commerce, credit card network and payment card network.

In addition, the artificial intelligence (AI) of the integrated management server 200 can be automatically processed by electronic processing, image processing, signal processing, image processing, and load processing.

6 is a flow chart showing a process of transmitting information between a tag printing terminal, an integrated management server, a credit card company server, and a real name authentication group in the computational management of payment settlement means using an identifiable tag and artificial intelligence according to another embodiment of the present invention. .

Referring to FIG. 6, an embodiment of the computerized management method of the payment and settlement means will be described below.

First, in the integrated management server, an RFID tag, an identification function barcode, a QR code, a magnetic field, or a magnetic strip, an electronic circuit, is provided with an identifiable tag for a terminal (including) to the tag printing terminal (S200).

At this time, the integrated management server may provide identification tags of identification companies such as cards, slips, documents, contracts, ticketing, admission tickets, paper slips, electronic slips, card slips and cash receipts, bills, and cash receipts.

Next, print or store the identifiable tag for the terminal granted by the integrated management server to the tag printing terminal, and use the RFID tag, QR code on the real name electronic card, magnetic card, or real name payment card (eg MAN integrated card). , Print or store identification barcode, magnetic strip, electronic circuit, or magnetic field tag information or real name information, or use a unique number of the real name barcode on the smartphone to install a USB for small chipset or install an app to authenticate authentication API , OS, UI, UX, Web Prints or stores the authenticated tag information and real name information in any one of HTML5 (S213).

Then, when payment or approval of the product value or product value in the tag printing terminal, the user or the user's information is generated using the identification authentication card or payment tag, payment information, or usage information (S215). ).

The tag printing terminal sends the tag information, the real name information, the user or the user's information together with the payment information to the integrated management server, and requests payment approval (S220).

When payment request or claim issuance request information is received from a terminal on which the tag of the real name is printed on the integrated management server, identification of a payment card containing the payment request or bill issuance request information and a tag recognition print terminal of the payment agent The function, real name function, payment function, and issuance function are read, and payment data generated by matching sales information, income calculation, document information, and document-specific information is stored as a real name authentication group (S233).

The steps after the payment approval request (S240) from the integrated management server to the credit card company server may be the same as the steps described above.

The tag printing terminal may use any one of a FIDO real name authentication, an identification tag authentication, an ERP authentication, an EMV authentication, or a POS, ATM, payment kiosk, PC, fabric, or smartphone terminal to which a standard is applied.

When granting the identifiable tag for the terminal, the labeled tag function is learned, read, or calculated on the basis of a chatbot, robot, or artificial intelligence to classify, distribute, and distribute documents (electronic or paper) with integrated operators. , Or by decentralization, allowing users, users, or traders to find, distribute, or split the payment method or income of the user, seller, illegal user, unregistered person, illegal merchant, self-employed person, or corporate high earner or worker, and print the tag above By implementing a number of sections shared in the terminal, tags can be analyzed to be analyzed from RoboAdvisor-based (advanced algorithms and non-data and cloud) by identification provider, by needs, and by document.

At the time of the payment or approval, a USB-type card can be displayed on a phablet, touched by a POS terminal or a mobile phone, or by using a 3D scanner to make payment or approval.

The payment information or usage information may be artificial intelligence AI, a chatbot, or payment information or usage information created by a robot.

The payment data may be any one or more of sales, no registration, illegal sales deviation, transaction history, inquiry history, duplicate history, search history, supply and demand refunds.

The real-name authentication terminal may be any one or more of a user's block terminal in the cloud of big data or a blockchain and bitcoin.

According to another embodiment of the present invention, the computerized management system of the payment and settlement means, on a document or a document of a payment document, encloses an RFID TAG, a QR code, an identification barcode and a magnetic field and a magnetic strip, an electronic circuit, or is provided A tag printing terminal or an app driving terminal capable of printing or outputting an identification function tag; A tag recognition terminal that reads a sales slip, a card slip, a cash receipt slip, or a real name authentication function tag printed on the tag printing terminal; And identification account information, database, and DBMS, which are recognized to identify authorized document sales, real-name authentication, and real-name tag authenticators, suppliers, and recipients of various documents in order to retrieve transparent sales and income, are account accounting, It includes; an integrated management server that determines whether a fake transaction, illegal authentication, illegal card, illegal card is accepted, judges whether a real name prepaid card and a document are valid, and instructs the tag recognition terminal to approve or reject.

The computerized management system of payment and payment means is an old practice in payment and payment means that applies and utilizes an identifiable TAG and artificial intelligence infrastructure with RFID, USIM, identification bar code, QR code, magnetic field, or magnetic band, electronic circuit. In order to prevent the distribution, division, and splitting of income by corporations, merchants, and individual businesses, it is classified as an identification business and raises income, or it does not fit into the vicious circle and social structure of seeing the taxation of high-income workers in large corporations as corporate processing. It is a technique that corrects administration.

In addition, the computerized management system of these payment and settlement methods includes paper slips, receipts including electronic slips, bills, giro, business license, and payment transparency, AI AI, chatbots, robots and deep learning, and payment recipients. And TAG certification of the recipient and the combination of road advisor and FIDO's Joey and the former, the computerized management system creates and stores the assigned identification function and real-name TAG operators, and the type of server TAG computerized to approve or reject ; May further include.

In addition, the payment documents, card slips and cash receipt slips, various administrative notices, payment statements, transaction statements, accounts or virtual accounts, bankbook or cannon passbook, gift certificates, horse racing and racing tickets or admission tickets, management fees, contracts, sales fees , Lottery slips or receipts, casino tickets or ticketing, sports games (transportation systems; transit road transport costs, subway, bus, car tax, high pass), (real estate; public auctions, auctions, down contracts, rental fees, administrative fees, motels, hotels, Pre-sale, real estate fee, real estate comprehensive certificate) Currency exchange, (bank; passbook or dormant account, cannon passbook, subscription passbook), (car type; used car, spritz car, cannonball car, taxi, transport car), massage, sauna, beauty salon, Hospital, orthopedics, dentistry, oriental medicine, lawyer, patent attorney, lawyer, accountant, tax accountant, department store, duty-free shop, ballot, pension, medical insurance, tobacco, local tax, military, civil servant, public institution It may be either a document or a card slip, a cash receipt slip, or a payment card that is mandatory when used, used, or traded.

In addition, the integrated management server operates a van (VAN) and an electronic payment agency (PG) in-house, manages the supply and demand slips, and acts as a fintech bank and IRS of financial companies that provide real-name prepaid cards. The relay server group manages and interlocks the operating system with EMV authentication, ERP, CMS, provides OS, API through ESB and EAI linkage, and integrates the SI system, forgery, forgery, illegal concealment, tax evasion, escape, illegal Card can, camouflage transaction, camouflage business owner, camouflage merchant, camouflage high-income earner, camouflage seller, false labor tax management, service management, goods management, fine management, tax management, accounting or food accounting management, TAG business management, TAG slip management , TAG document management, portal payment management, storage of such management and analysis as TAG history information, computational management, agency management, or search management, AI-based algorithms and learning of database, chatbot, robot, or these Combination of In accordance with the era of all-communications and the foundation of the 5th Industrial Revolution where sensors and data are connected, TAG is given to individuals as well as products, distributed storage or retrieval per user's block, and TAG printed documents and Receipts and slips can be managed for each company and worker.

As described above, the present invention has been described with reference to one embodiment shown in the drawings, but this is only exemplary, and it is possible to prevent double contracts and the like by giving an identifiable tag to contracts and the like corresponding to sales documents. Those skilled in the art will appreciate that various modifications and other equivalent embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined by the technical spirit of the appended claims.

100: tag printing terminal 110: tag printing unit
120: authentication unit 130: location tracking unit
200: integrated management server 300: credit card company server
400: financial institution server 410: tag recognition terminal
500: IRS server 600: mobile terminal
700: Real-name authentication group

Claims (10)

In a computerized management method of a system including a tag printing terminal, an integrated management server, a credit card company server, a financial company server, an IRS server, and a portable terminal,
The integrated management server, for each self-employed business, corporate or individual business operators located in a number of highest tax rate, pre-contracted to share the tag printing terminal as a terminal for a representative business operator, the identification tag for the terminal and the identification tag for the card Step of granting (S200)-The integrated management server assigns a unique serial number according to the type of payment slip so that it can discriminate general sales, reimbursement, incentive bonuses, and fees. Identify the type of sales;
Storing, by the tag printing terminal, the assigned identifiable tag (S210);
When a credit card is attached or touched to the tag printing terminal, the tag printing terminal scans the credit card's identifiable tag information to generate payment request information together with the terminal's identifiable tag information and sales information. To the integrated management server (S220);
When the payment request information is received from the tag printing terminal, the integrated management server reads the information of the identification tag for the card and the terminal included in the payment request information, matches the sales information, and generates the sales history information. Step of storing in the database (S230)-The information of the identification tag for the card includes the serial number of the card, the card type, the holder's name, the holder's social security number, the address of the holder, the payment date and the payment location, and can be identified for the terminal The information of the tag includes the business name, business registration number, business address, payment date, payment location, issuance location, and information about the payment transaction of the business within a set period;
Transmitting, by the integrated management server, payment request information received from the tag printing terminal to a credit card company server (S240);
The integrated management server, receiving information about payment approval from the credit card company server (S250);
The integrated management server, transmitting the payment approval information to the tag printing terminal (S260)-The payment approval information is the credit for the payment request received from the tag printing terminal by the integrated management server Includes details of credit card server approval and rejection;
When the tag printing terminal receives payment approval from the integrated management server, the tag printing terminal prints at least one of a QR code, barcode, RFID tag, personal identification number (PIN), and magnetic strip on the sales slip. Outputting (S270); And
Transmitting, by the integrated management server, the sales history information to the IRS server every predetermined period (S280); Including,
The S220,
When the tag printing terminal transmits the payment request information to the integrated management server 200, biometric (human) authentication (fingerprint, iris, voice, face, retina, blood vessel, palm) and biometric authentication of the corresponding operator The method includes performing identity verification and transmitting payment request information to the integrated management server only when identity verification is completed.
The S270,
When the tag printing terminal prints and prints an identifiable tag on the sales slip, the operator transmits the sales slip for the card company among the sales slips to the financial institution server;
Reading, by the financial institution server, an identifiable tag printed on a sales slip transmitted by the operator through a tag recognition terminal (S300);
Transmitting, by the financial institution server, identifiable tag information read from the tag recognition terminal to the integrated management server (S310);
Determining, by the integrated management server, whether there is sales information matching the identifiable tag information transmitted from the financial institution server based on sales history information for each high-income, corporate, or individual business operator stored in the database (S320);
When the integrated management server has sales information in the database, it transmits a message informing that there is corresponding sales information to the financial institution server, and if there is no sales information in the database, the financial company sends a message informing that there is no sales information. Transmitting to a server (S330);
When the financial institution server receives a message informing that there is corresponding sales information from the integrated management server, it determines that the sales slip or payment slip presented by the operator is a legitimate sales slip or payment slip, and approves payment to approve the payment. If payment is received and a message indicating that there is no corresponding sales information is received from the integrated management server, determining that the sales slip or payment slip presented by the operator is not a legitimate sales slip or payment slip, and rejecting payment;
Rejecting a payment approval request when the financial company server receives a payment slip that has already been authenticated and payment processing has been received again; And
Rejecting a payment approval request when the financial institution server receives a payment slip having a plurality of identical identifiable tags;
Confirming, by the tag printing terminal, whether a location where the tag printing terminal is located is an installation request address (S350);
Transmitting, by the tag printing terminal, a location movement message to the integrated management server when its location is changed (S360);
Determining, by the integrated management server, whether the movement is illegal or not when the location movement message is received (S370);
Transmitting, by the integrated management server, the determination result to the tag printing terminal (S380); And
The tag printing terminal, when receiving the result of illegal movement from the integrated management server, outputting a message rejecting the payment authorization request from the illegal location on the screen (S390);
The S350,
When the tag printing terminal is connected to an external device through Wi-Fi communication, when installing the tag printing terminal, recording an ID of a peripheral Wi-Fi device fixed in the building;
Checking whether the peripheral Wi-Fi device detected by the tag printing terminal is changed; And
When the tag printing terminal searches for the ID of a nearby accessible device, and the surrounding fixed device changes and the nearby accessible device changes more than a preset number of times, the position of the tag printing terminal is changed. Judging; Including,
The credit card is a RFID tag with an integrated antenna attached to a PET resin of 3 to 4.5 mm thick and 0.55 mm thick inside the metal surface and in the form of a barcode and QR code as an identifiable tag on the metal surface. Characteristic computerized management method. According to claim 1,
The identification tag is a computerized management method characterized in that the magnetic field and the electronic circuit (included) identification tag. According to claim 1,
The step of generating the payment request information and transmitting it to the integrated management server,
Laura payment, beacon payment, wicon payment, app payment, QR code payment, NFC payment, USIM payment, IC payment, simple payment, voice payment, fingerprint payment, bio payment, bio payment, wearable watch payment, transportation means transportation, High-pass payment, transfer payment, refund payment, various card payment, sensor module payment, Bluetooth payment, RFID payment, bitcoin payment, ICT payment, at least one payment and payment agency, 5G bilateral communication payment, USB payment, RFID Characterized in that it transmits payment request information, which is performed by at least one payment method among TAG payment and virtual payment methods, and managed by ERP and CRM to the integrated management server,
The step of transmitting the payment request information to the integrated management server only when the user authentication is completed is FIDO, DBMS, ID real name authentication, identification tag authentication marked with a magnetic field, ERP authentication, EMV authentication, CC authentication applied,
The integrated management server, a computerized management method characterized in that it operates using an open API and OS-based and UI, UX, web-based HTML5. According to claim 1,
The tag printing terminal,
When the surrounding technology environment is IoT based Internet of Things, the tag printing terminal is characterized by including an IoT module driven by an app operator,
The IoT module, a computerized management method characterized in that at least one communication method of Bluetooth, Wi-Fi, LTE, 5G bilateral communication is applied. delete According to claim 1,
The integrated management server,
Artificial intelligence (AI) secretary or chatbot, the artificial intelligence assistant or chatbot is a high-income, corporate document server and big data and cloud and electronic documents and electronic data, electronic documents, and electronic documents documenting electronic bankbooks , Tag document, Card data document, Payment data document, Various contract tag document, Tag and QR code business document, Resident registration tag document, Driver's license tag document, Credit card slip, Passport tag document, Appraisal tag document, Correction certificate, Warranty certificate, Gift certificate , Usage Rights, App Documents, Web Documents, Terms of Use Documents, RFID, USIM Documents App Documents, Bill Documents, Fines, Giro, Illegal Passbook, Trust of Names, Nominee Accounts, Nominee Stocks, Nominee Business Owners, Enrollment Fees, Seal Certificates, Management Accountage Documents Characterized by AI assistant or chatbot for confirmation date document, commission, profit, incentive management, business registration number, electronic license, contract, and release right Computerized management method. delete delete delete delete

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