KR20050096681A - Method to float the cash receipt according to cash transaction - Google Patents

Abstract

The present invention relates to a method for issuing a cash receipt according to a remittance transfer transaction, and the purchaser deposits a bank account for an income deduction in which a seller's business registration number, trade name, name, and business location are registered and opened. In the service method of issuing a cash receipt, when a buyer remits a transaction to a seller's income-deductible bank account through a remittance transfer using a terminal for remittance transfer, the bank server where the account is opened pays cash for the transaction. Generating a cash receipt including an authorization number for the payment, the seller information, the transaction information, and the purchaser information; The bank server providing the generated cash receipt information to the purchaser and transmitting to the connected bansa server; The bansa server storing the received cash receipt information and transmitting the same to the IRS server; And the IRS server is characterized in that it comprises the step of granting an income deduction benefit for the transmitted cash receipt transaction.

According to the present invention, the cash receipt information given the approval number for the cash settlement is notified to the IRS, and the income deduction is granted, thereby ensuring the transparency of cash transactions, thereby establishing a sound tax culture and inducing the issuance of cash receipts. have.

Description

Cash Receipt Issuance Service Method for Remittance Transfer Transactions {METHOD TO FLOAT THE CASH RECEIPT ACCORDING TO CASH TRANSACTION}

The present invention relates to a cash receipt issuance service method, and in particular, cash that can grant income deduction benefits for money transfer transactions using electronic banking services, such as unpaid deposits, Internet banking, telebanking, PC banking, and mobile banking. It relates to a service method of issuing a receipt.

In modern society, because of its convenience, cards are so active that most people have more than one, and they are used to pay for the purchase of many goods or services. Revenue generated by using such a card can be secured transparently as the sales data of the merchant is secured and the basis of fair taxation can be established as the sales data is separately stored and notified to the IRS. Therefore, the IRS is encouraging card franchise and use by designating a card obligatory affiliate.

However, when a cash settlement is made, there is a problem in that the self-employment does not issue a receipt separately or randomly misses the sales, so that the transaction is not transparent and the basis for taxation cannot be secured accurately. Therefore, the introduction of a cash receipt system that secures the transparency of cash transactions and secures the basis for taxation is also urgently needed in transactions where cash is used for settlement.

Accordingly, the present invention has been made in order to meet the above necessity, the buyer's income deduction by the remittance transfer of electronic banking services, such as unpaid deposit, Internet banking, telebanking, PC banking, and mobile banking Its purpose is to provide a service method for issuing cash receipts for which transactions with cash payments are made to bank accounts are given an authorization number for cash payment and the information is notified to the IRS.

In order to achieve the above object, according to the present invention, the buyer issues a cash receipt for the transaction amount deposited by the seller's business registration number, trade name, name, and business location, etc., which is registered and opened to the bank account for income deduction. In the service method, when a buyer remits a transaction to a seller's income-deductible bank account through a remittance using a remittance transfer terminal, the bank server where the account is opened is assigned an authorization number for the transaction. Generating a cash receipt including a cash payment authorization number, seller information, transaction information, and buyer information; The bank server providing the generated cash receipt information to the purchaser and transmitting to the connected bansa server; The bansa server storing the received cash receipt information and transmitting the same to the IRS server; And the IRS server is characterized in that it comprises the step of granting an income deduction benefit for the transmitted cash receipt transaction.

In this case, the income-deductible bank account may be a general account, a virtual account, newly added by the seller or information for income deduction, and an account product of a bank capable of depositing, remitting, and transferring cash. And, The wire transfer may include all bank transfer, electronic banking services such as Internet banking, telebanking, PC banking, and mobile banking.

Meanwhile, the seller information includes at least a business registration number, a trade name, a name, and a business location of the seller, and the transaction information includes at least a transaction date, a sales amount, a value added tax, a service charge, and a total amount. It is preferable to include at least any one of a card serial number, a social security number, a business registration number, and a mobile phone number previously issued by the buyer.

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention.

1 is a schematic diagram of a network for implementing the present invention, in which "110" represents a terminal for money transfer, "120" represents a bank server, "130" represents a bansa server, and "140" represents an IRS server. In addition, "112" is a non-payment deposit terminal capable of depositing in a non-bankbook form such as an ATM, and "114" is a form of electronic banking service such as Internet banking, telebanking, PC banking, and mobile banking. Possible electronic financial service terminals, such as a PC or a telephone, are shown.

First, as a basic premise, a seller such as a service or a goods registers information such as his / her business registration number, trade name, name, and business location in order to preferably execute a cash receipt issuing service in accordance with the present invention. After opening a bank account for income deduction separately in a specific bank, it is necessary for the buyer to open a bank account for income deduction so that the transfer of the transaction amount according to the purchase is possible.

At this time, the seller registers a general account already established in the bank as an account for income deduction, or virtually creates a number of magnetic accounts in the bank's mother account (real account) and registers a virtual account that has the same function as a general account. Bank account products that can be used for deposits, remittances, and transfers can also be registered and used as an income deduction account.

On the other hand, the bank server 120 manages not only the bank's own general storage work, but also the bank account for income deduction opened by the seller, and whether the transaction is deposited in the form of wire transfer to the seller's opened income deduction bank account from the outside. Check in real time. If a deposit is made, the transaction will be assigned a specific cash approval number in accordance with the separate provisions. For example, an authorization number may be assigned in the form of a combination of a bank code and a transaction serial number.

In addition, the bank server 120 generates a cash receipt including the authorization payment number, the seller information, the transaction information, and the buyer information. That is, a cash receipt is generated using the authorization number for cash payment, the seller's information linked to the bank account for income deduction, the amount of money deposited, and the information of the remitter, the buyer.

The cash receipt information generated in this way is transmitted to the bansa server 130 through a CMS (Cash Management Service) service. CMS service provides financial information by constructing a system so that an operating entity (eg, DACOM) interconnects the computer system of CMS using institution and CMS participating financial institution so that user institution can process financial transactions with participating financial institutions electronically. As a service provided, the bank server 120 and the bansa server 130 transmits cash receipt information as well as financial information, such as transfers, history inquiry, billing transactions in real time.

Van (Value Added Network) company server 130 is linked with the server 120 of the banks dealing with the dedicated account for income deduction participated in performing the service according to the present invention . And, having a separate data storage medium to store the cash receipt information generated and transmitted from the bank server 120 and transmits the corresponding information to the National Tax Service server (140).

The IRS server 140 grants a prescribed income deduction benefit for the cash receipt transaction transmitted through the bansa server 130. In other words, by identifying the authorization number for the cash payment, the buyer or seller of the cash receipt is granted a benefit to receive an income deduction.

Figure 2 is an example of a cash receipt according to the present invention, it shows a form including the authorization number for payment, seller information, transaction information, buyer information, and the like. The purchaser can receive this deduction by keeping these cash receipts and submitting them to the IRS during the year-end settlement.

3 is a flowchart illustrating a service method for issuing a cash receipt according to the present invention, wherein a buyer transfers a transaction amount to a bank account for income deduction, in which a seller's business registration number, trade name, name, and business location are registered and opened; The process of receiving a cash receipt that can be used for income deduction after the transfer.

Referring to the drawings, when the buyer transfers the transaction amount to the seller's designated income deduction bank account through the transfer transfer using the various transfer terminal 110, the bank server 120 opened the account to the transaction In accordance with the prescribed rules for the specific cash payment approval number is assigned (S310, S320).

Remittance transfer here means that the buyer transfers the transaction amount in cash form to the seller's opened income deduction bank account using unpaid deposit or electronic banking services such as internet banking, telebanking, PC banking, and mobile banking. it means. At this time, the buyer must enter any one of the remitter information, such as a serial number, a social security number, a business registration number, and a mobile phone number issued separately for the remittance transfer. The buyer information is automatically transferred to the bank server 12 as the transaction is remitted to the bank account for income deduction.

The card for cash settlement is a card that can receive an income deduction even when a cash payment is made through a wire transfer transaction, and means a unique exclusive card issued after a separate subscription process.

In addition, the authorization number for cash payment is a unique number for granting an income deduction even when making a cash payment, and may be sequentially assigned according to a bank code and a transaction serial number given for each bank.

Subsequently, the bank server 120 generates a cash receipt including a cash payment approval number, seller information, transaction information, and buyer information (S330). That is, the bank server 120 generates a receipt according to the cash payment by the buyer's remittance transfer.

The seller information here preferably includes at least a business registration number, a trade name, a name, and a business location of the seller. The transaction information preferably includes at least a transaction date, a sales amount, a VAT, a service charge, a total amount, and the like. In addition, the purchaser information preferably includes at least one of a card payment number, a social security number, a business registration number, and a mobile phone number issued by the buyer.

Subsequently, the bank server 120 transmits the information in real time to the connected bansa server 130 while providing the generated cash receipt information to the buyer through the terminal for remittance transfer (S340). Therefore, the buyer can check the cash receipt information through the terminal for the transfer transfer used by him, and if necessary, may output using a separate printing means.

Meanwhile, the bansa server 130 transmits the information to the IRS server 140 while keeping the transmitted cash receipt information in a separate data storage medium (S350). In this case, the stored cash receipt information may be checked in real time, and the data may be transmitted to the IRS server 140 at a time each time a batch data transmission method, that is, a certain number of cases.

Finally, the IRS server 140 grants an income deduction benefit for the transmitted cash receipt transaction (S360). Therefore, the buyer may receive an income deduction benefit from the cash receipt according to the remittance transfer transaction.

As described above, the cash receipt issuance service method according to the remittance transfer transaction is notified to the IRS with the receipt of cash receipt information, which is granted a separate cash settlement approval number, and the income deduction is granted, thereby ensuring transparency in cash transactions and ensuring sound taxation. Not only can culture be settled, but cash receipts can be issued.

1 is a network schematic diagram for implementing the present invention;

2 is an example of a cash receipt according to the present invention;

3 is a flowchart illustrating a service method of issuing a cash receipt according to the present invention.

* Explanation of symbols for main parts of the drawings

110: terminal for money transfer 112: terminal without money transfer

114: electronic financial service terminal 120: bank server

130: Bansa server 140: IRS server

Claims (6)

In the service method for the purchaser issuing a cash receipt for the transaction amount deposited by the seller's business registration number, trade name, name, business location, etc. registered in the bank account for income deduction, When the buyer transfers the transaction amount to the seller's income deduction bank account by wire transfer using the terminal for remittance transfer, the bank server where the account is opened is given an authorization number for cash payment for the transaction but approved for cash settlement. Generating a cash receipt including a number, seller information, transaction information, and buyer information; The bank server providing the generated cash receipt information to the purchaser and transmitting to the connected bansa server; The bansa server storing the received cash receipt information and transmitting the same to the IRS server; And The IRS server issuing a cash receipt according to the remittance transfer transaction characterized in that it comprises the step of granting an income deduction benefit for the transmitted cash receipt transaction. The method of claim 1, The bank account for income deduction is a general account, a virtual account, which is newly opened by the seller or added information for income deduction, and an account product of a bank capable of depositing, remitting and transferring cash. How to get a cash receipt. The method of claim 1, The remittance transfer is a cash receipt issuance method, characterized in that it includes an electronic banking service, such as Internet banking, telebanking, PC banking, and mobile banking. The method of claim 1, The authorization number is a cash receipt issuance service method according to the transfer transfer transaction characterized in that the combination of a given bank code and a transaction serial number. The method of claim 1, The seller information includes at least the business registration number, trade name, name, and business location of the seller; The transaction information includes at least a transaction date, a sales amount, a VAT, a service charge, and a total amount; The purchaser information is at least a purchaser's previously issued cash payment card serial number, resident registration number, business registration number, and mobile phone number, characterized in that any one of the cash receipt issuance service method according to the transfer. The method of claim 1, The bank server generates a cash receipt according to the remittance transfer transaction, characterized in that for generating a cash receipt further comprising information identifying the buyer and seller and information identifying the approval transaction and cancellation transaction.