KR20040099004A - Pg system not passing businessman between customer and freelancer by performing direct payment - Google Patents

Abstract

PURPOSE: A PG(Payment Gateway) system not passing a businessman between a customer and a freelancer is provided to enable a personal customer to process a price settlement by selecting a proper settlement means, keep transaction data of the freelancer to a service provider, and automatically report/pay tax of the freelancer when the freelancer offers a service to the personal customer. CONSTITUTION: A member manager management server(50) registers/manages a manager(11) and a member(10). A local settlement device(20) such as a PDA(Personal Digital Assistant) or a web page enables the customer to request/receive a price settlement approval from the member. A certification server performs certification when the manager and member are registered. An SMS(Short Message Service) server(70) informs the customer of the certification or deposit for the member/manager. Credit/debit/prepayment/accumulation company servers(90-120) determine/respond to the approval for the settlement. A communication server(40) manages communication between the PDA and each server. A settlement management server(80) distributes/orders the deposit/taxation for the settlement price by each member.

Description

Payment relay system without the operator between the consumer and the freelancer {omittted}

The present invention relates to a system for enhancing the reliability and stability of legal tax payments and transactions through the provision of various payment methods for the provision of services and goods between individuals and the transparency of transactions, especially when a freelancer supplies his services to individual customers. Individual customer selects the appropriate payment method (credit / debit / prepaid card and reserve) to process the payment; Keep the data on the transaction with a third party service provider of the present invention; The purpose of this is to allow automatic reporting and automatic payment of free tax withholding tax and income tax resident tax on transactions.

Currently, the payment for services and goods provided by freelancers to individual customers is made in the form of cash payment or online payment. On the other hand, the payment method is a limited cash payment method for individual customers. There is a difficulty in providing services, returning goods and filing complaints. In addition, the absence of a third party who can notarize a transaction makes it difficult for individual customers to solve various cases of opacity and exploiting the nature of personal transactions.

Second, the payment method, which is limited to cash payments from an individual supplier's point of view, is one of the major factors that reduce the marketability and competitiveness of services and goods provided by individual providers. This is a problem caused by restricting the registration of merchants by limiting the location of the credit financing law so that freelancers cannot conduct credit transactions. Therefore, individual suppliers can reduce the burden on customers by using split cash payments. However, this method also causes inconvenience to the customer, and there is a disease that reduces the smooth collection of money. In particular, due to the nature of interpersonal transactions, individual providers have difficulty in collecting payments and exercising their rights on contracts.

Thirdly, interpersonal transactions are generally opaque and unreported, leaving no obligation to pay taxes and withhold taxes on income. The current interpersonal transaction characteristics and payment methods are inherently impossible to make reasonable tax returns and payments.

At present, the penetration rate of credit / debit / prepaid cards for the convenience of use and the transparency of taxes is very high and continuously promoted, and many companies are looking for ways to increase the utilization of reserves. Therefore, there is a need to escape the limited payment methods of individual providers and to make payments for services and goods of individual suppliers by using credit / debit / prepaid cards and reserves of individual customers. However, it is not possible to pay for transactions between individuals by credit / debit / prepaid cards and deposit payment methods of individual customers.

The present invention has been proposed to solve the above problems, and relates to a system for improving the reliability and stability of legal tax payment and transaction by providing a variety of payment means for the provision of services and goods between individuals and the transparency of transactions. , In particular, when a freelancer supplies his services to an individual customer, the individual customer selects the appropriate payment method (credit / debit / prepaid card and reserve) to handle the payment; A system in which data on transactions are kept by a service provider of the present invention, which is a third party, to reasonably resolve disputes over non-data and non-notarized transactions; The purpose is to provide a system for legally reporting and paying the tax on personal income.

In order to achieve the above object, the inter-personal payment system according to the present invention, the member manager management server responsible for registration and management of the manager member; A local payment device (PDA or website) in which a consumer requests / receives a payment approval for a member using the aforementioned payment method; Certification company server for identity authentication when registering members / managers; SMS sending server for identity verification at member / manager registration and notification of deposit at settlement; A credit / debit / prepaid card company server that responds by determining whether or not to accept payment through credit / debit / prepaid card and reserve; A communication server that controls / connects communication between a PDA, a credit / debit / prepaid card company server, an SMS server, and an authentication server; It is characterized in that it comprises a settlement management server for instructing the deposit processing and withholding and tax payment by allocating the payment for each member to the payment.

Hereinafter, described in detail by the accompanying drawings as follows.

1 is a structural diagram of registering a member 10 / manager 11 who is a personal provider / relayer who wishes to receive the service of the present invention, and can receive a member 10 / manager 11 registration request and follow the registration procedure. Local payment device 20, member manager management server 50, authentication server server 60, SMS sending server 70 and the communication server 40 for controlling and managing communication between each server and the local payment device It is made by interworking with each other through a certain communication network.

Prior to performing the service of the present invention, the member 10 / manager 11 registration shown in FIG. 2 is matched with the bank account number to which the information of the member 10 and the payment will be deposited, and the purpose of implementing payment and management services. Should be preceded by

First, the manager 11 accesses the member manager management server 50 by accessing the local control device 20 PDA or a website for operating the service of the present invention, and the member 10 / manager 11 registration is authenticated. After the real name authentication process through the authentication company DB (61) in conjunction with the company server (60), the mobile phone real number through the authentication number SMS sent to the mobile phone number entered in conjunction with the SMS sending server (70) to verify the subscription The received member 10 / manager 11 information is finally stored in the DB 51 of the member manager management server 50, thereby completing the registration. On the other hand, the registration of the manager 11 is a method for digesting a case where a plurality of individual providers provide services and goods to individual consumers, and a plurality of members 10 are provided by one local payment device 20 such as a PDA. Allows payment of a service or goods in a batch.

The local payment device 20 refers to a device used for registration of the basic member 10 / manager 11, payment for the transaction between individuals, cancellation of payment, and payment / payment inquiry. The local payment device 20 is divided into a PDA and a website, and the functions of the members 10 and the manager 11 are the same. In the case of the local payment device 20 using the PDA, it must be via a separate wireless Internet network through a communication base station for interworking with the member manager management server 50. The management device for the method and the computer program for this method are widely known and used. Therefore, detailed description thereof will be omitted.

In addition, the local payment device 20 selects a payment method desired among individual customers by credit / debit / prepaid cards and reserves, and requests payment for the member manager management server 50 of the member 10 and the manager 11. If the information and payment request data of the individual customer for payment approval is sent to the member manager management server 50, and the service and goods provided by the member 10 / manager 11 through the member manager management DB query is approved Figure 2 The approval request data is transmitted to the settlement management server 80 of the settlement management DB (81) and manages. Here, the member / manager management DB (51) and the settlement management DB (81) are combined to analyze the member / manager transaction details, and to implement its own early warning system such as warning of suspension of transactions according to the high cancellation of service and goods payment and the complaint rate. It must be possible to operate.

Second, when the manager 11 inputs the total payment amount to the local payment device 20 and allocates the corresponding amount for each member 10 (wherein, the manager 11 may be a member 10, one individual person may have an individual). When a supplier tries to make a payment, the individual provider plays the role of a manager 11 and a member 10 at the same time.) An individual customer selects a desired payment method from a credit / debit / prepaid card and a reserve ( F2) The minimum data of individual customers (such as deposit ID / password or customer number) for requesting approval of payment is transmitted to the member manager management server 50 and the settlement management server 80, and the transaction evidence is primarily provided. (Data is bundled into the manager 11 and the related member 10) in the settlement management DB 81 as a secondary server, that is, the credit card company server 90, the prepaid card server 100, and the debit card company server ( 110) or is transmitted to the piracy gold server 120 (F3).

Thirdly, the server receiving the data determines the payment ability of the individual customer by querying the relevant DB (91, 101, 111, 121) and determines whether to approve and transmits the result message to the settlement management server (80). (F4). The received message is stored in the member manager management DB 51 and the settlement management DB 81 as a transaction approval completion / transaction failure, and finally the payment is completed by transmitting the result to the local payment device 20 (F5). . When the settlement payment settlement for the member is completed, the settlement management server 80 and the SMS sending server 70 is linked to the transfer of the deposit to the member's mobile phone by SMS to notify the deposit (F6).

Fourth, the settlement management server 80 is to add the amount of income for each member's transaction history on a monthly basis to automatically fill out the corresponding withholding tax and income-resident resident tax report details so that they can report / pay (F7) ).

As a legitimate transaction, the supplier can acquire the rights and profits as a tax payer, while sublimating conventional inefficient and negative personal transactions. In addition, the increase in payment methods in interpersonal transactions promotes the supply and demand of interpersonal markets, which leads to the activation of the non-regular market and the growth of the market. It can cope with rational use and prevent tax leakage.

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1 is a flow chart showing whether members and managers are individually paid by the member management server and the settlement management server and the transactions are relayed in connection with the server of each card company.

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Claims (1)

About the management program of member manager management server and settlement management server Member Manager Management A database system for managing separate members and managers. Settlement management server system that transmits data applying for payment to a financial institution selected by the consumer. Settlement management server system that stores the result of the approval request, delivers the message, and processes the settlement price Deposit Allocation System for Withholding Taxes from Members' Income