KR20040089769A - Apparatus and method for automatically determining a tax refund amount in a credit card transaction - Google Patents

Abstract

PURPOSE: A device and a method for automatically determining/discriminating a tax refund of an article on a credit card transaction process are provided to automatically determine tax refund, a tax category, and the tax refund of the article related to a credit card transaction. CONSTITUTION: A memory(115) stores the tax categories, tax application rules, and tax calculation rules. An input interface(107) inputs information related to at least one transaction object. Transaction object information includes an ID and price of the transaction object. A sorting processor(122) determines that one or more applications of the tax category is applied to the transaction object by applying the tax application rules to the ID of the transaction object, and determines the tax price related to the transaction object by applying the tax calculation rules to the price of the transaction object.

Description

Apparatus and method for automatically calculating tax refund in credit card transaction processing {APPARATUS AND METHOD FOR AUTOMATICALLY DETERMINING A TAX REFUND AMOUNT IN A CREDIT CARD TRANSACTION}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to the field of office automation equipment, and more particularly, to an apparatus and a method for automatically determining whether a tax refund object is subject to a credit card transaction and a tax refund amount accordingly.

Recently, as international exchanges have become more active and overseas travel has become more common, shopping in foreign department stores and airport terminals has become more frequent. When shopping in a foreign country, that is, when a Korean person buys a product in a foreign country, or vice versa, a foreigner comes to Korea and buys a product, a part of the tax on the product can be refunded. Residents living outside the country where the goods are traded by law are refunded a certain percentage of Value Added Tax (VAT), Educational Tax (ET) or Special Excise Tax (SET) on the purchased goods. This is because it is prescribed. However, in order to refund tax to a foreigner, the sales person first checks the buyer's place of residence and decides whether the credit card transaction is subject to tax refund. After confirming that the goods are received, the final step is a complicated process of calculating the tax refund yourself. This is not only annoying for sales staff, but also leads to mistakes in determining whether or not you are a foreigner, and even overlooks the fact that you have to reimburse the tax in the case of busy stores. From the point of view of the shop owner, the cost of tax refunds cannot be ignored because the sales staff must be thoroughly trained in the procedures for tax refund.

Therefore, there is an urgent need in the art for the need for an automated device that can overcome the problems of the prior art as described above and provide convenience in international commerce, especially transaction processing by credit card.

Accordingly, the present invention has been made to solve the problems of the prior art as described above, to provide an apparatus and method for automatically determining whether or not subject to the tax refund of goods related to credit card transactions in the processing of credit card transactions. The purpose.

Another object of the present invention is to provide an apparatus and method for automatically determining the type of tax applied to an article related to a credit card transaction in credit card transaction processing.

It is still another object of the present invention to provide an apparatus and method for automatically determining the tax refund amount for an item related to a credit card transaction in credit card transaction processing.

1 is a view showing the configuration of the automatic tax refund amount calculation device according to an embodiment of the present invention.

FIG. 2 illustrates the ranges of bank identification numbers stored in the memory in FIG.

3 illustrates the contents of a tax application rule table stored in the memory in FIG. 1 and associated with IDs of merchandise sold with the type of tax applied to these merchandise.

Figure 4 is a flowchart for explaining a method for calculating the tax refund amount using the automatic tax refund amount calculation device of the present invention.

<Explanation of symbols for main parts of drawing>

100: automatic tax refund device

103: card reader

105: key-in terminal

107: input interface

109: processor

111: output interface

113: printer

115: memory

117: network

119: central computer

120: BIN Processor

122: sorting processor

124: refurbished processor

126: processor memory

128: network interface

130: main processor

132: display

According to an aspect of the present invention for achieving the above object, an apparatus for automatically sorting a transaction object according to the corresponding tax category in the transaction to calculate the related tax amount The apparatus includes a memory for storing at least one tax application rule and at least one tax calculation rule associated with a plurality of tax types, an input for inputting information relating to at least one transaction object in the transaction. An interface, wherein the transaction object information includes at least an identifier (ID) of the transaction object and an amount of the transaction object; and is connected to the memory and the input interface to apply the tax application rule to the ID of the transaction object. Determine whether the transaction object is subject to any one or more of the plurality of tax classes and And a sorting processor for applying the tax calculation rule to the amount of the transaction object to determine the relevant tax amount for the transaction object.

According to another aspect of the present invention, there is provided a device for automatically determining whether a tax refund is subject to a credit card transaction and a tax refund amount, the apparatus comprising: a database system for storing a plurality of bank identification numbers (BINs), the database Memory for storing a plurality of bank identification number ranges interworking with the system, a first input interface for inputting information related to at least one transaction object in the credit card transaction and the amount of the transaction object, the credit A second input interface for inputting information relating to a credit card used for a card transaction, the information including at least a bank identification number of the credit card, and connected to the memory and the second input interface for The plurality of bank identification numbers with bank identification numbers stored in the memory. A BIN processor for determining whether to fall within at least one of the above ranges, and connected with the BIN processor and the first input interface, wherein the tax is based on the credit card transaction information in response to a determination of the BIN processor. It includes a refund processor for calculating the refund amount.

According to still another aspect of the present invention, there is provided an apparatus for automatically sorting a transaction object according to a corresponding tax category in a credit card transaction and determining whether to refund a tax. The apparatus comprises: a first memory for storing at least one tax application rule and at least one tax calculation rule associated with a plurality of tax types, for inputting information relating to at least one transaction object in the credit card transaction A first input interface, wherein the transaction object information includes at least an identifier (ID) and an amount of the transaction object; a database system for storing a plurality of bank identification numbers (BINs); A second memory for storing a range of bank identification numbers, associated with a credit card used for the credit card transaction A second input interface for inputting information, the information including at least a bank identification number of the credit card; and accessing the first memory and the first input interface to assign the tax application rule to the ID of the transaction object. Determine whether the transaction object is subject to any one or more of the plurality of tax types, and apply the tax calculation rule to the amount of the transaction object to determine the relevant tax amount for the transaction object A sorting processor for accessing the second memory and the second input interface to determine whether a bank identification number of the credit card falls within at least one of the plurality of bank identification ranges stored in the second memory BIN processor for connecting said BIN processor and said sorting processor to said associated three And a refund processor for calculating the tax refund based on the amount.

EMBODIMENT OF THE INVENTION Hereinafter, one Example of this invention is described in detail based on an accompanying drawing.

First, FIG. 1 is a block diagram of an automatic tax refund amount calculation device according to an embodiment of the present invention. As shown in FIG. 1, the automatic tax refund calculation device 100 according to the present invention includes a card reader 103, a key input terminal 105, an input interface 107, a processor 109, and an output interface 111. , Printer 113, memory 115, and display 132. Device 100 optionally further includes a network interface 128, which network 100 may be connected to a central computer 119 having a database via communication network 117. The interfacing between the device 100 and the central computer 119 is performed according to a known communication protocol. The automatic device for calculating tax refund amount 100 may be implemented in a credit card payment terminal such as a commonly used easy check terminal, or may be implemented as a separate device.

The card reader 103 is composed of, for example, a longitudinal groove provided on one side of the device 100 and an internal reading device, and is imprinted in the embossed manner on the front of the credit card when the credit card is pulled down in the groove direction. Read the credit card number and the information recorded on the magnetic stripe attached to the back of the credit card or the IC provided inside the credit card. Information output from the card reader 103 is input to the processor 109 via the input interface 107.

The key input terminal 105 is like a keyboard provided on the upper portion of the device 100. The key input terminal 105 is a transaction object, that is, a product code or identification number (ID) for identifying the product or a product, It is a function to input price and other information necessary for transactions. Since it is easily understood by those skilled in the art that the product information can be input using a barcode reader or the like instead of the key input terminal 105, the key input terminal 105 of the present invention is It should not be construed as limited to the above-described configuration as the keyboard. Information input by the key input terminal 105 is also input to the processor 109 via the input interface 107 in a known manner.

The memory 115 automatically stores a transaction processing program routine for controlling the entire transaction processing, and whether the goods related to the credit card transaction are subject to tax refund, the tax applied and the tax refund amount, as described below. Various information and program routines necessary for the determination are stored. More specifically, the memory 115 stores Bank Identification Numbers (BINs) of credit cards that are commonly used in a country to which a place such as a sales store where a tax refund automatic calculation device 100 is installed. In this case, as shown in FIG. 2, a range of bank identification numbers each credit card commonly used may have. For example, a Visa card can have a bank identification number from "400 000" to "499 999", so two numbers are stored: the start number "400 000" and the end number "499 999". do. Likewise, the Amex card stores two numbers, "340 000" and "349 999" as start and end numbers. However, since the credit card company may change the bank identification number as necessary, the bank identification numbers stored in the memory 115 need to be changed as well. For this purpose, in the preferred embodiment of the present invention, The device 100 is connected via a network interface 128 to a central computer 119 having a database via a communication network including a gateway or the like, and the latest bank identification number stored in the database of the central computer 119. The memory 115 may be updated by downloading information. Such updates may be made, for example, on a weekly, monthly or quarterly basis, and it is advantageously advantageous to carry out a quiet night at a transaction so as not to interfere with the normal operation of the device 100.

The memory 115 also stores, for example, a tax qualification rule and a tax calculation rule that define the type of tax to be applied for each product. Preferably, the tax application rule is to associate a list of products sold with the types of taxes that apply to these products, such as VAT, education tax, and special consumption tax, for example, as shown in FIG. It may be a tax application rule table that maps the name, code, and other identification number (ID) of the object, which is an object, and the type of tax applied thereto. In the tax application rule table shown in FIG. 3, the IDs of the products, which are transaction objects, indicate whether these products are subject to VAT only. For example, if ID 1 is "tie", the tie is "VAT only." ? "Is" Yes, "the tie applies only to VAT, not to education and special excise taxes. In another example, if ID 3 is a "diamond ring," the diamond ring has a tax rule of "no," so that VAT, education tax, and special consumption tax apply. It should be noted that although the present specification shows and exemplifies at least one tax applied to each product, some products may not be taxed, so the scope of the present invention is construed to include those cases. Should be. It should be noted that although the present specification describes only the application of VAT, education tax and special consumption tax in relation to the tax application rule, the present invention is not necessarily limited thereto. It is obvious that as the types of tax increase, the tax application rules can be easily changed accordingly.

By the way, the type of merchandise sold may change from time to time, and the type of tax applied for each product may also change according to the revision of the tax law. Accordingly, there is a need to change the tax application rules stored in the memory 115. In this case, as described above, a new tax application rule may be downloaded from the database of the central computer 119 to update the tax application rule stored in the memory 115.

The tax calculation rule includes a tax calculation program routine for calculating a tax defined for each type of tax and a tax refund calculation program routine for calculating a refund from each of the calculated taxes. According to the tax calculation program routine of the present invention, the method of calculating VAT, education tax and special consumption tax and the method of calculating the refund amount according to the tax refund program calculation routine are as follows.

VAT = Sales_Amount-Sales_Amount / (1 + VATRate)

Here, VAT represents the VAT, Sales_Amount represents the amount of the transaction object, and VATRate represents the selected VAT rate.

SET = (Sales_Amount-(Sales_Amount / 11 + 2,000,000)) / 1.26 * 0.2

Here, SET represents a special consumption tax, and Sales_Amount represents the amount of a transaction object.

ET = SET * 0.3

Here, ET and SET represent education tax and special consumption tax, respectively.

Refund = 0.9 * (VAT + SET + ET)

Where Refund represents the tax refund.

Meanwhile, the processor 109 is connected to the memory 115 to automatically determine whether the goods related to the credit card transaction is subject to tax refund, the applicable tax and the tax refund amount using various information stored in the memory and the program routines described above. In order to determine, it can be implemented using a general-purpose microprocessor commonly used. In a preferred embodiment of the present invention, the processor 109 may include a main processor 130, a BIN processor 120, a sorting processor 122, a refund processor 124, and a processor memory 126. . In this specification, for convenience of description, the processor 109 is divided into a plurality of processors for each function, but a person having ordinary skill in the art may recognize that one integrated processor may be implemented to perform several functions. something to do. The function of each processor is explained in turn as follows.

First, the main processor 130 performs the entire transaction processing routine by controlling the BIN processor 120, the sorting processor 122, the refund processor 124, and the processor memory 126 according to a transaction processing program routine described below. do. The processor memory 126 loads and stores a transaction processing program routine stored in the memory 115 at system startup. The processor memory 126 has credit card related information output from the card reader 103 and input through the input interface 107 at the time of processing each transaction, and output from the key input terminal 105 and also through the input interface 107. The name of the merchandise to be entered, the merchandise code or number to identify it, the price of the merchandise and other information necessary for the transaction are also stored. The processor memory 126 is also used to load program routines required by the BIN processor 120, the sorting processor 122, and the refund processor 124, and in accordance with a preferred embodiment of the present invention, transaction processing. In order to increase the speed, the memory 115 may be used for the purpose of preloading and storing various information necessary for transaction processing.

The BIN processor 120 performs eligibility detection to determine whether the credit card transaction is subject to tax refund. The BIN processor 120 first extracts, for example, the first six digits from the credit card information used in the purchase of the goods, stored in the processor memory 126, in particular the card number of the credit card. The number represents the bank identification number of the credit card used. The BIN processor 120 compares the extracted bank identification number with the range of the bank identification number stored in the memory 115 and, according to a preferred embodiment of the present invention, the processor memory 126. It is determined whether it belongs to at least one of these ranges. In this case, the comparison with the individual bank identification numbers to determine whether they fall within the range may be performed by a binary search method as is known. For example, the bank identification number extracted from the used credit card is "467 020" and the bank identification number of the visa card is "400 000" to "499 999 among the range of bank identification numbers stored in the memory 115. &Quot; up to, the extracted bank identification number is within the range of the visa identification number of the Visa card, it can be seen that the credit card used is a card issued in the domestic store. Accordingly, the BIN processor 120 determines that the transaction is not subject to tax refund. On the contrary, if the extracted bank identification number does not belong to any one of the ranges of the bank identification number stored in the memory 115, it means that the used credit card is a card issued in a foreign country, and thus the BIN processor 120 Determines that the transaction is subject to tax refund. If the device 100 is implemented mounted in a terminal for credit card payment, the tax refund determination procedure performed in the BIN processor 120 reads the information of the credit card by the card reader 103 for credit card payment. The card may be automatically performed at a time, and may be designed to be read based on the credit card information again by the card reader 103 after the payment procedure.

If it is determined by the BIN processor 120 that the transaction is subject to tax refund, the sorting processor 122 according to the tax application rules applies to each sale of goods in the transaction, for example, VAT, education tax or special consumption tax. Determine what kind of tax applies. The sorting processor 122 is applied to the merchandise by applying the tax application rules stored in the memory 115 or the processor memory 126 to the product ID input by the key input terminal 105 and stored in the processor memory 126. Determine what kind of tax you have. That is, the sorting processor 122 finds the ID on the tax application rule table corresponding to the product ID stored in the processor memory 126, and finds the type of tax corresponding to the ID on the table. Referring to the tax application rule table of FIG. 3 as an example, assuming that the product ID is 3, ID 3 of the tax application rule table does not apply to VAT only. Therefore, the types of taxes to be applied are VAT, education tax, and special consumption tax. It is determined to include all. According to an embodiment of the present invention, the sorting processor 122 may be programmed to calculate the tax amount for each tax type determined as described above, but in the present description, the refund processor 124 to perform this function will be described below. It will be described as.

The refund processor 124 calculates the tax amount for each tax type by applying a tax calculation rule to the price information of the sale product stored in the processor memory 126 for each tax type of the sale product determined by the sorting processor 122. Functions to perform the tax calculation program routine as described above loaded and stored from the memory 115 into the processor memory 126. The manner of calculating VAT, education tax and special consumption tax in accordance with the tax calculation program routine of the present invention is as described above in connection with the memory 115. The refund processor 124 also determines the tax refund amount based on the VAT, education tax, and special excise tax calculated as above, specifically, the function of performing a tax refund calculation program routine stored in the processor memory 126. The method of calculating the tax refund amount according to the tax refund amount calculation program routine of the present invention is as described above with reference to the memory 115.

The display 132 is responsible for the user interface function between the device 100 and the user, for example, credit card information read from the card reader 103, information input from the key input terminal 105, and from the processor 109. It displays the processed result information and other information necessary to confirm transaction processing on the screen. The printer 113 is used for issuing, as a slip, the results processed by the apparatus 100, for example, a commodity item, a commodity sales value, various calculated tax amounts, a calculated refund amount, a transaction processing date and time, and the like.

Next, a method of calculating the tax refund amount using the automatic tax refund amount calculation device 100 as described above will be described with reference to FIG. 4. The method of the present invention may be implemented by a transaction processing program routine as described above. In the following description, in the case of a product which is subject to VAT only, the sum of all the product prices of the goods which are subject to VAT is calculated, and the tax refund is calculated based on this. Value-added tax, education tax, special consumption tax and the corresponding tax refund will be calculated separately for each product and added together. For example, if you have five products that are subject to VAT alone, and three products that are subject to all VAT, education, and special excise taxes, calculate tax refunds for VAT and each of the three products that are subject to all three taxes. A total of four refunds will be required, one for each.

Turning now to the method according to the present invention step by step, the method of the present invention begins with step S1 of reading the information recorded on the credit card using the card reader 103. The BIN processor 120 determines whether the credit card transaction is subject to tax refund based on the read credit card information (step S2). As a result of the determination in step S2, all procedures are terminated when it is not the tax refund object, and when it is determined that it is the tax refund object, control of the program routine proceeds to step S3. In step S3, the total price of the goods to be sold, that is, the sales information, is input using the key input terminal 105, and then, in step S4, the ID of each product is input. In this case, in order to facilitate input of the product information, the names of the products to be sold may be collectively displayed on the display 132 so that the corresponding products may be selected. In step S5, the selling price of the product is input. In step S6, a determination is made as to whether only the corresponding VAT is applied. This step is performed by the sorting processor 122 as described above.

As a result of the determination in step S6, when the corresponding product is a product (VAT product) to which only VAT is applied, the sales price of the VAT product is accumulated and stored in step S7, and then the flow proceeds to step S10. Meanwhile, if the corresponding product is a product (SET product) to which all of VAT, education tax, and special consumption tax are applied, the tax amount (VAT, ET, SET) for each tax type and the tax refund amount corresponding thereto are calculated in step S8 (Equation (described above) 1) to (4)). Subsequently, in step S9, the tax amount and tax refund amount for each tax type calculated for the SET product are accumulated and stored. Steps S7-S9 are all performed in the refund processor 124.

In step S10, it is determined whether there is an additional product to be input further. If it is found that there is an additional product, the control of the program routine proceeds to step S4 of inputting an ID of a new product, and repeats steps S4-S9. On the other hand, if it is found that there is no additional product to be input in step S10, the flow proceeds to step S11 to calculate the VAT and VAT refund amount using the cumulative sales price of the VAT product finally stored in step S7. Step S11 is also performed in the refund processor 124. After all calculations have been completed, finally, in step S12, issue a document that prints the cumulative sum of the tax amount and tax refund for each of the taxable items and the VAT and VAT refund for the VAT product. To exit.

In the present specification, one embodiment of the present invention has been specifically described and illustrated as above, but a person skilled in the art may understand the present invention without departing from the spirit and scope of the invention as defined by the appended claims. It is apparent that various modifications can be made to the invention. Therefore, the scope of the present invention should not be limitedly interpreted by the above description regarding one embodiment of the present invention.

As described above, according to the apparatus and method for automatically calculating tax refund amount according to the present invention, it is possible to automatically determine whether the tax refund object and the tax refund amount according to the credit card transaction are processed in the credit card transaction processing. As such, it is possible to provide convenience in processing a credit card transaction by solving a hassle that a sales employee needs to manually determine and calculate the tax refund amount and the tax refund amount.

Claims (26)

An apparatus for automatically calculating a related tax amount by sorting a transaction object according to a corresponding tax category in a transaction, Memory for storing at least one tax application rule and at least one tax calculation rule associated with multiple tax types, An input interface for inputting information related to at least one transaction object in the transaction, the transaction object information including at least an identifier (ID) of the transaction object and an amount of the transaction object; and Access the memory and the input interface to apply the tax application rule to the ID of the transaction object to determine whether the transaction object is subject to any one or more of the plurality of tax types, and the tax calculation rule Sorting processor for determining the relevant tax amount for the transaction object by applying a to the amount of the transaction object Device comprising a. The method of claim 1, The tax application rule defines an ID of the transaction object to correspond to at least one of the plurality of tax types. The method of claim 2, And printing means for generating a document for the relevant tax amount in accordance with at least one of the plurality of tax types. The method according to any one of claims 1 to 3, The plurality of tax types includes at least one of value added tax (VAT), education tax (ET) and special consumption tax (SET). In the credit card transaction, the device for automatically determining whether the tax refund subject and the tax refund amount, A database system for storing a number of bank identification numbers (BINs), A memory for storing a plurality of bank identification number ranges linked with the database system in a network; A first input interface for inputting information related to at least one transaction object in the credit card transaction and the amount of the transaction object, A second input interface for inputting information relating to a credit card used for the credit card transaction, the information including at least a bank identification number of the credit card; A BIN processor connected to the memory and the second input interface to determine whether a bank identification number of the credit card falls within at least one of the plurality of bank identification number ranges stored in the memory; A refund processor, connected to the BIN processor and the first input interface, for calculating the tax refund based on the credit card transaction information in response to the determination of the BIN processor. Device comprising a. The method of claim 5, The bank identification number range includes a start prefix and an end prefix. The method of claim 6, The BIN processor is configured to determine whether a bank identification number of the credit card is between at least one start number and end number of the plurality of bank identification number ranges. The method of claim 5, The plurality of bank identification number ranges stored in the memory can be updated using the plurality of bank identification numbers provided by the database system. The method according to any one of claims 5 to 8, And printing means for generating a document for the tax refund. The method of claim 9, The determination of whether the tax refund is subject to the tax refund is made on at least one of a VAT, an education tax, and a special consumption tax. The method of claim 10, And the refund processor calculates the VAT according to the following equation. VAT = Sales_Amount-Sales_Amount / (1 + VATRate) Here, VAT represents VAT, Sales_Amount represents the amount of the transaction object, and VATRate represents the selected VAT rate. The method of claim 10, The replenishment processor calculates the special consumption tax according to the following equation. SET = (Sales_Amount-(Sales_Amount / 11 + 2,000,000)) / 1.26 * 0.2 Here, SET represents a special consumption tax, and Sales_Amount represents the amount of the transaction object. The method of claim 12, And the refund processor calculates the education tax according to the following equation. ET = SET * 0.3 Here, ET and SET represent education tax and special consumption tax, respectively. An apparatus for automatically sorting a transaction object in a credit card transaction according to a corresponding tax category and determining whether to refund a tax. A first memory for storing at least one tax application rule and at least one tax calculation rule associated with a plurality of tax types, A first input interface for inputting information related to at least one transaction object in the credit card transaction, wherein the transaction object information includes at least an identifier (ID) and an amount of the transaction object; A database system for storing a number of bank identification numbers (BINs), A second memory interworking with the database system to store a plurality of bank identification number ranges; A second input interface for inputting information relating to a credit card used for the credit card transaction, the information including at least a bank identification number of the credit card; Access the first memory and the first input interface to apply the tax application rule to the ID of the transaction object to determine whether the transaction object is subject to any one or more of the plurality of tax types, A sorting processor for applying the tax calculation rule to the amount of the transaction object to determine an associated tax amount for the transaction object, A BIN processor connected to the second memory and the second input interface to determine whether a bank identification number of the credit card falls within at least one of the plurality of bank identification ranges stored in the second memory; And A refund processor connected to the BIN processor and the sorting processor to calculate a tax refund based on the related tax amount Device comprising a. The method of claim 14, The bank identification number range includes a start prefix and an end prefix. The method of claim 15, The BIN processor is configured to determine whether a bank identification number of the credit card is between at least one start number and end number of the plurality of bank identification number ranges. The method of claim 14, And the plurality of bank identification numbers ranges stored in the second memory can be updated using the plurality of bank identification numbers provided by the database system. The method of claim 14, The tax application rule defines an ID of the transaction object to correspond to at least one of the plurality of tax types. The method according to any one of claims 14 to 18, And printing means for generating a document for at least one of the relevant tax amount and the tax refund amount according to at least one of the plurality of tax types. The method of claim 19, The plurality of tax types includes at least one of value added tax (VAT), education tax (ET) and special consumption tax (SET). The method of claim 19, And the refund processor calculates the VAT according to the following equation. VAT = Sales_Amount-Sales_Amount / (1 + VATRate) Here, VAT represents VAT, Sales_Amount represents the amount of the transaction object, and VATRate represents the selected VAT rate. The method of claim 19, The replenishment processor calculates the special consumption tax according to the following equation. SET = (Sales_Amount-(Sales_Amount / 11 + 2,000,000)) / 1.26 * 0.2 Here, SET represents a special consumption tax, and Sales_Amount represents the amount of the transaction object. The method of claim 22, And the refund processor calculates the education tax according to the following equation. ET = SET * 0.3 Here, ET and SET represent education tax and special consumption tax, respectively. In a method of automatically sorting a transaction object according to the corresponding tax category (tax category) to calculate the relevant tax amount, Storing at least one tax application rule and at least one tax calculation rule associated with multiple tax types, Inputting information related to at least one transaction object in the transaction, wherein the transaction object information includes at least an identifier (ID) of the transaction object and an amount of the transaction object; and The stored tax application rule is applied to the input of the input transaction object to determine whether the transaction object is subject to any one or more of the plurality of tax types, and the stored tax calculation rule is applied to the input transaction. Determining the relevant tax amount for the transaction object applying to the amount of the object How to include. In a credit card transaction, a method for automatically determining whether a tax refund is subject to tax refund amount, Storing a plurality of bank identification ranges, A first input step of inputting information related to at least one transaction object in the credit card transaction and the amount of the transaction object, A second input step of inputting information related to a credit card used for the credit card transaction, wherein the information includes at least a bank identification number of the credit card; Determining whether a bank identification number of the credit card input in the second input step falls within at least one of the stored plurality of bank identification number ranges, and Calculating the tax refund based on the credit card transaction information in response to the determination at the determining step How to include. A method for automatically sorting a transaction object according to a corresponding tax category in a credit card transaction and determining whether to refund a tax, Storing a plurality of bank identification ranges, Inputting information related to a credit card used for the credit card transaction, the information including at least a bank identification number of the credit card; Determining whether a bank identification number of the credit card falls within at least one of the plurality of bank identification number ranges; Storing at least one tax application rule and at least one tax calculation rule associated with multiple tax types, Inputting information related to at least one transaction object in the credit card transaction, wherein the transaction object information includes at least an identifier (ID) and an amount of the transaction object; Apply the tax application rule to the ID of the transaction object to determine whether the transaction object is subject to any one or more of the plurality of tax types, and apply the tax calculation rule to the amount of the transaction object Determining an associated tax amount for the transaction object, and Calculating a tax refund amount based on the determined related tax amount How to include.