KR20130111760A

KR20130111760A - Tax refund processing system and method

Info

Publication number: KR20130111760A
Application number: KR1020120033889A
Authority: KR
Inventors: 김정환; 이장혁; 박주희
Original assignee: 한국정보통신주식회사
Priority date: 2012-04-02
Filing date: 2012-04-02
Publication date: 2013-10-11

Abstract

PURPOSE: A tax refund processing system and a method thereof are provided to check if a user is registered in a tax refund service by using a card number. CONSTITUTION: A tax refund processing system includes a member store terminal (100), a payment management device (200), a card management device (300), and a purchaser (400). The purchaser connects to the card management device through a network and inputs information for registering a tax refund service through a user interface (UI). When a tax refund trade is requested by the purchaser, the member store terminal notifies the application of credit payment to the payment management device. The member store terminal receives refund information which is necessary to use the tax refund service from the payment management device. The member store terminal issues a refund statement by using the refund information received from the payment management device. [Reference numerals] (100) Member store terminal; (200) Payment management device; (300) Card management device; (400) Purchaser

Description

Tax refund processing system and method {TAX REFUND PROCESSING SYSTEM AND METHOD}

The present invention relates to a tax refund processing system, and more particularly, to a system and a method for refunding a tax on a payment amount according to a product purchase.

With the globalization trend, the number of people enjoying foreign business trips and trips is steadily increasing. In most countries, when a foreign tourist or a domestic non-resident purchases a product in a domestic store, the tax is imposed on the product at the time of sale, and the domestic tax, such as VAT, education tax, special consumption tax, etc. paid by the buyer, is refunded upon departure. The system of giving is given.

According to the VAT and Special Excise Tax Exemptions Regulations for Foreign Tourists, foreign tourists or domestic non-residents who bought goods at the sales office designated by the IRS, such as department stores, which are post-exempt businesses, completed their departure procedures, Earlier, it is required to be refunded.

According to the current procedure, when a foreigner wishes to receive the above VAT refund, he / she must obtain and keep a refund slip whenever he / she purchases a product at a duty free shop, and submit it to the VAT refund counter after having confirmed the customs at the time of departure.

However, in the conventional case, in order to receive a refund of internal tax, there is a hassle of having to prepare a document for handing out a refund slip every time a buyer purchases an item.

An embodiment of the present invention provides a tax refund processing system and method that can determine whether the tax refund service is registered using the card number.

In addition, an embodiment of the present invention provides a tax refund processing system and method for outputting a refund slip including payment approval information and pre-registered refund registration information.

In addition, an embodiment of the present invention provides a tax refund processing system and method that can calculate the refund tax for each type of goods.

In addition, an embodiment of the present invention provides a tax refund processing system and method for outputting a refund slip for a purchase item for the purpose of carrying out to another country at the time of printing a slip according to a credit transaction.

The method for issuing a refund slip for a tax refund service in a merchant terminal according to an exemplary embodiment of the present disclosure may include: receiving a payment request from a buyer, determining whether the buyer is a subscriber of the tax refund service, and the buyer If it is determined to be a subscriber of the tax refund service, asking the buyer whether to apply the tax refund transaction in the processing of the requested payment; and when the tax refund transaction is requested from the buyer, the payment requested by the buyer Requesting the tax refund transaction to a payment management device to process a; receiving refund information from the payment management device in response to the tax refund transaction request; and receiving the refund information based on the received refund information. Buyer will be reminded of the refund document which he will use to receive a tax refund for the purchase made. Including the process of issuing it.

In addition, the merchant terminal issuing a refund slip for the tax refund service according to an embodiment of the present invention, the communication unit for performing communication with the payment management device for issuing the refund slip, a payment request and tax refund transaction request from the buyer And a user interface for issuing a refund slip to the buyer, determining whether the buyer is a subscriber of a tax refund service, and when determining that the buyer is a subscriber of a tax refund service, a tax refund transaction to the buyer through the user interface. When a tax refund transaction is requested from the purchaser by inquiring whether or not to apply, a request for a tax refund transaction is made to the payment management device through the communication unit, and in response to the tax refund transaction request, the payment management device requests the tax refund transaction from the purchaser. Based on the refund information you received, your payment The reimbursement slips used to receive a tax refund for the purchase price eojin include tax refund processing services issued through the user interface.

In addition, the method for providing refund information for the tax refund service to the buyer in the payment management device according to an embodiment of the present invention, generated by the application of the tax refund service from the card management device to which the tax refund service is applied by the buyer Receiving the refund registration information, receiving the payment request by the buyer and the tax refund transaction request for the payment request from the merchant terminal, and the payment processing is completed after the payment processing according to the payment request is completed Calculating the refund tax amount for the transaction amount using the refund registration information received from the card management apparatus in response to the purchaser, and applying the calculated refund tax amount and the calculated refund tax amount to the transaction amount; Receiving refund information including at least one of the refund amount of the merchant Including the transmission of words.

In addition, the payment management device for providing the refund information for the tax refund service to the buyer according to an embodiment of the present invention, the communication unit for performing communication with the merchant terminal and the card management device to provide the refund information for the tax refund service And a memory for receiving and storing the refund registration information generated by the application for the tax refund service by the buyer through the communication unit, and storing the refund registration information from the merchant terminal through the communication unit. Receive a tax refund transaction request for the payment request, and use the refund registration information stored in the memory in response to the buyer to refund the tax amount for the transaction amount in which the payment processing is completed after the payment processing according to the payment request is completed. Calculating the refunded tax amount and the calculated The class refund information comprises at least one of the acquired amount of tax refund applied to the transaction amount and a tax return service processing unit for transmitting to the merchant terminal via the communication unit.

According to an embodiment of the present invention, it is possible to more conveniently provide the purchaser of the tax refund service to issue the refund slip according to the purchase of the goods. In addition, it is possible to provide the convenience of notifying the buyer by automatically calculating the refund tax rate or refund amount for each type of purchased goods.

In addition, effects obtainable or predicted by the embodiments of the present invention will be directly or implicitly disclosed in the detailed description of the embodiments of the present invention. That is, various effects to be predicted according to the embodiment of the present invention will be disclosed in the detailed description to be described later.

1 is a view briefly showing the configuration of a tax refund processing system according to an embodiment of the present invention;
2 is a view showing the configuration of an affiliated store terminal 100 constituting a tax refund processing system according to an embodiment of the present invention;
3 is a view showing the configuration of a payment management device 200 constituting a tax refund processing system according to an embodiment of the present invention;
4 is a view showing the configuration of a card management apparatus 300 constituting a tax refund processing system according to an embodiment of the present invention;
5 is a view showing a signal processing procedure for providing a tax refund service in the tax refund processing system according to an embodiment of the present invention;
6 is a diagram illustrating a signal processing procedure for providing a tax refund service in a tax refund processing system according to another embodiment of the present invention;
7 is a diagram illustrating a signal processing procedure for providing a tax refund service in a tax refund processing system according to another embodiment of the present invention;
8 is a view showing an example of a refund slip issued by the merchant terminal according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the embodiment of the foreign tax refund processing system and method according to the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory of various embodiments for effectively illustrating the features of the present invention. Therefore, the present invention should not be limited to the following drawings and descriptions.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

In order to efficiently explain the essential technical features of the present invention, the following embodiments will appropriately modify, integrate, or separate terms to be understood by those skilled in the art to which the present invention belongs , And the present invention is by no means thereby limited.

In the embodiment of the present invention to be described later, a buyer who wants to receive a tax refund for goods purchased in the country for the purpose of carrying out to another country, subscribes to a tax refund service, and purchases the product with a credit card associated with the tax refund service. When purchasing, the merchant terminal will be described in detail how to issue a refund slip required to receive the tax refund service.

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

Figure 1 is a simplified view showing the configuration of the tax refund processing system according to an embodiment of the present invention.

Referring to FIG. 1, the tax refund processing system includes an affiliated store terminal 100, a payment management device 200, a card management device 300, and a purchaser 400.

The purchaser 400 is a resident of another country, and refers to a person who purchases goods in Korea for the purpose of taking out at the time of departure. In particular, the purchaser 400 may be used to mean a personal terminal that processes an operation for subscribing to a payment or tax refund service according to a purchase of goods other than a person.

The purchaser 400 performs a tax refund service registration procedure in an on-line or off-line manner with the card management apparatus 300. When registering for the tax refund service, refund registration information is generated by the card management apparatus 300. Accordingly, the purchaser 400 may automatically obtain a refund slip for a tax refund service upon payment of goods.

For example, a brief description of the tax refund service registration procedure using the on-line method, the purchaser 400 is connected to the card management device 300 through the network. By the connection, information about the user interface for registering the tax refund service is provided from the card management apparatus 300, and the purchaser 400 inputs information for registering the tax refund service through the user interface. For example, the personal information and the card information may be input to register the tax refund service. The personal information is information for identifying an individual such as a passport number, nationality, name, and the like, and the card information is information for credit settlement, such as a credit card or ID card.

The purchaser 400 who subscribes to the tax refund service requests a tax refund transaction along with a request for credit payment upon purchase of a product, thereby receiving a refund slip from the merchant terminal 100 to receive a tax refund by the tax refund service. Can be issued.

The merchant terminal 100 performs a payment by credit card, check card, prepaid card and debit card (hereinafter referred to as "credit card") at the request of the buyer 400. For example, when the purchaser 400 requests payment of an amount according to a purchase of goods, the affiliated store terminal 100 confirms card information, article information, and payment amount for credit settlement.

The merchant terminal 100 processes the procedure according to the credit payment by the previously confirmed card information, goods information and payment amount. The merchant terminal 100 provides the purchaser 400 with an approval result according to the credit settlement.

When the merchant terminal 100 receives a tax refund transaction request for the tax refund service from the purchaser 400, the affiliated store terminal 100 reports the request to the payment management apparatus 200. The tax refund transaction request received from the buyer 400 may be provided in response to an inquiry of the affiliated store terminal 100 or may be provided together with a credit payment request.

For example, the affiliated store terminal 100 receives a tax according to at least one of a request of the payment management device 200, a payment approval result received from the payment management device 200, and a BIN check result for confirming whether or not to subscribe to the tax refund service. The purchaser 400 may be contacted for a refund transaction.

When a tax refund transaction is requested from the buyer 400, the affiliated store terminal 100 notifies the payment management device 200 that the credit payment is applied to the tax refund transaction.

The merchant terminal 100 receives refund information necessary for using a tax refund service from the payment management device 200 in response to the tax refund transaction request. The refund information may be included in payment processing result information corresponding to credit payment processing or provided by a separate procedure. For example, the refund information may include buyer's personal information, purchased goods information, refund amount information, and the like.

The merchant terminal 100 issues a refund slip to the purchaser 400 using the refund information received from the payment management apparatus 200. The refund slip may be issued to the buyer 400 in the form of a message through short-range communication or the like as well as printed matter. To this end, the purchaser 400 may be a terminal capable of receiving a message by near field communication.

In addition, the refund slip issued by the merchant terminal 100 may be made with an approval result corresponding to the credit settlement. That is, when providing the payment processing result according to the credit transaction to the buyer 400, a refund slip may be issued together. In this case, the refund slip will be issued in print if the results of the credit transaction are provided in print, and will be issued in the message if the results of the credit transaction are sent in the message.

The issued refund slip will be used for a tax refund service for refunding the tax on goods purchased by the buyer 400. The refund slip may include personal information of the buyer, purchase goods information, refund amount information, and the like.

The configuration of the affiliated store terminal 100 will be described in more detail with reference to FIG. 2.

The payment management apparatus 200 performs a credit settlement process at the request of the affiliated store terminal 100. That is, the payment management apparatus 200 receives a payment processing request from the affiliated store terminal 100 and performs a procedure for credit payment processing with a corresponding financial server (not shown) in response to the received payment processing request. do. The payment management device 200 receives payment approval information from the corresponding financial server as the credit payment processing is completed. The payment management device 200 reports the payment processing result to the affiliated store terminal 100 based on the received payment approval information.

The payment management device 200 may receive a request for a tax refund transaction in addition to the payment request from the affiliated store terminal 100. For example, the tax refund transaction request may be provided in response to at least one of an inquiry to the affiliated store terminal 100, a report of a payment processing result according to a credit settlement, and a BIN check result by the affiliated store terminal 100. As an example, the payment management apparatus 200 determines whether to inquire about a tax refund transaction to the affiliated store terminal 200 based on a BIN check result of a credit card provided for credit settlement.

When the payment management device 200 receives a tax refund transaction request from the affiliated store terminal 100, the payment management device 200 generates refund information necessary to use a tax refund service. For example, the refund information includes a refundable tax amount that can be granted by the purchase item and the purchase amount for which payment processing is requested by the buyer 400. Meanwhile, in order to calculate the refund tax amount, refund registration information generated by the purchaser 400's subscription to the tax refund service is used.

In summary, the payment management apparatus 200 checks the information registered by the purchaser 400 to subscribe to the tax refund service, that is, the refund registration information, and then includes the purchase included in the payment request information received from the affiliated store terminal 100. Refund tax is calculated based on the information about the goods and payment amount.

The refund registration information may be provided from a separate server supporting the tax refund service or may be provided from the affiliated store terminal 100 upon or after the payment request. For example, it may be assumed that the refund registration information is managed by the card management apparatus 300. In this case, the refund registration information is not particularly limited to a point in time from which the card management device 300 is provided to the payment management device 200. Only after the purchaser 400 joins the tax refund service, it is preferable that the purchaser 400 be provided before the refund tax calculation is made by the payment management device 200. Here, the refund tax amount calculated by the payment management device 200 represents a surcharge that can be refunded for the goods purchased by the buyer.

The payment management device 200 generates refund information based on the calculated refund tax amount, and provides the generated refund information to the affiliated store terminal 100. For example, the refund information may be provided in a message for reporting a payment processing result corresponding to the payment processing request. The refund information is information necessary for the buyer 400 to receive a tax refund on the goods purchased by the tax refund service. For example, the refund information includes a refund tax amount, a refund registration information, and the like. The configuration of the payment management device 200 will be described in more detail with reference to FIG. 3.

On the other hand, the payment management device 200 assumes an example in which the configuration for handling payment and the configuration for processing the tax refund transaction request for the buyer as a single device. However, the ability to handle payments and to handle tax refund transaction requests may be applied separately to separate devices.

The card management apparatus 300 processes a payment for a credit card. In other words, the card management apparatus 300 receives payment request information from the payment management apparatus 200 and extracts information necessary to perform payment, such as payment amount information and card information, from the received payment request information. do. The card management apparatus 300 processes a credit payment based on information required to perform a payment, such as payment amount information and card information, and generates payment approval information accordingly. Here, the payment approval information is information generated to inform the payment management device 200 and the affiliated store terminal 100 that the payment for the credit card has been processed. The payment approval information may include at least one of card information, payment approval status, transaction date, and payment amount information. The card management apparatus 300 transmits the generated payment approval information to the payment management apparatus 200.

The card management apparatus 300 performs a tax refund service registration procedure for the applicant (for example, the buyer 400) when an applicant's subscription request is received. That is, the card management apparatus 300 requests and manages the applicant by providing the applicant with the information necessary for generating the refund slip according to the tax refund service, that is, the refund registration information.

For example, the tax refund service may be registered in association with a specific credit card. The credit card to be associated with the tax refund service must be affiliated with the tax refund service.

In summary, when a purchaser requests to associate information for a tax refund service with a credit card, the card management apparatus 300 may use personal information such as a passport number, name, address, etc. received from the purchaser and a credit card to use the tax refund service. Information (eg card number) is associated to generate subscriber service information, i.e., refund registration information.

The card management apparatus 300 transmits the generated refund registration information to the payment management apparatus 200. The refund registration information is arbitrarily transmitted by the card management apparatus 300 or provides refund registration information corresponding to a specific subscriber at the request of the payment management apparatus 200.

Here, the card management apparatus 300 has been described as including both the configuration for processing the credit payment and the configuration for supporting the tax refund service. However, the device for processing credit payment and the device for supporting tax refund service may be separated and implemented as a separate device.

As an example, the function of the card management apparatus 300 according to the present invention is that a buyer processes a credit settlement in his / her country (hereinafter referred to as a “first card processing apparatus”) and a credit settlement in a country where a product is purchased. It may be formed separately from an apparatus (hereinafter referred to as 'second card processing apparatus'). In this case, the first card processing apparatus may receive payment request information from the payment management device 200, generate payment approval information based on the received payment request information, and transmit the generated payment approval information to the payment management device 200. The first card processing apparatus may transmit payment approval information to the second card processing apparatus.

2 illustrates a configuration of an affiliated store terminal 100 constituting a tax refund processing system according to an embodiment of the present invention.

Referring to FIG. 2, the affiliated store terminal 100 includes a communication unit 110, a user interface (UI) 120, a credit settlement processing unit 130, a tax refund service processing unit 140, and a memory 150. do.

The user interface 120 inputs information required to process a credit settlement and tax refund transaction or outputs a result of processing the credit settlement and tax refund transaction.

More specifically, the user interface 120 receives information required for credit transactions such as a payment amount and a card number. In addition, the user interface 120 may receive a response to the tax refund transaction request. At this time, the response to the request for the tax refund transaction may be input by the merchant staff or directly by the buyer.

The user interface 120 outputs the processing result according to the credit settlement, that is, the card receipt. In addition, the user interface 120 outputs a refund slip required for the tax refund application according to the tax refund service. For example, the user interface 120 outputs an approval result according to the credit payment request and / or a refund slip according to the tax refund transaction request in a preset form. The output may be provided in the form of printed matter using paper or the like or in the form of a message. The card receipt corresponding to the credit settlement processing result and the refund slip for using the tax refund service may be output as different results. That is, the card receipt and the refund slip can be output separately.

The user interface 120 displays operation information, result information, or information (number or letter) input for credit settlement and tax refund service generated during the operation of the affiliated store terminal 100. For example, the user interface 120 displays information about a payment amount and a purchase item input for credit settlement. The user interface 120 displays the payment processing result information according to the credit settlement, a screen for inquiring a tax refund transaction, and information of a refund slip for a tax refund service.

The communication unit 110 performs communication with the payment management device 200 to support credit settlement and tax refund transaction.

First, for the credit settlement processing, the communication unit 110 configures payment request information based on the item information and the card information input through the user interface 120 and sets the configured payment request information into the payment management device 200. To send. The communication unit 110 receives payment approval information, that is, a payment processing result from the payment management device 200 in response to the payment request information, and provides the received payment approval information to the credit card processing unit 130 or the user interface 120.

Meanwhile, the communication unit 110 requests a tax refund transaction from the payment management device 200 and receives refund information from the payment management device 200 in response to the tax refund transaction request, thereby receiving a tax refund service processor 140. Or to the user interface 120.

When the communication unit 110 receives an inquiry about whether a tax refund transaction is used from the payment management device 200 for a tax refund service, the communication unit 110 sends the inquiry to the tax refund service processor 140 or the user interface 120. to provide. The communication unit 110 receives a tax refund transaction from the tax refund service processor 140 or the user interface 120 when receiving a response to the inquiry whether the tax refund transaction is used. Ask.

The credit settlement processor 130 performs an overall operation for processing a credit settlement. For example, the credit settlement processor 130 obtains information about a credit card, a payment amount, a purchased product, etc. through the user interface 120 for credit settlement. The credit settlement processing unit 130 configures payment request information based on the obtained information on the credit card, payment amount, purchase goods, and the like. The credit settlement processor 130 provides the configured payment request information to the communication unit 110. The credit settlement processor 130 processes the information in the form of a receipt for output through the user interface 120 when a settlement processing result is provided from the communication unit 110. To this end, the credit settlement processor 130 may be provided with information on a preset receipt form from the memory 150.

The tax refund service processor 140 inquires about whether to use a tax refund transaction through the user interface 120. The tax refund service processor 140 may perform a BIN check based on credit card information input for credit settlement to inquire whether the tax refund transaction is used. That is, the BIN check result determines whether the buyer is a subscriber of the tax refund service. When it is determined that the buyer is a subscriber of the tax refund service, the tax refund service processor 140 may inquire whether the tax refund transaction is used through the user interface 120. In addition, even when an inquiry about whether to use the tax refund transaction is received from the payment management server 200 through the communication unit 110, the tax refund service processing unit 140 receives the tax refund transaction through the user interface 120. You can inquire about the availability of.

When a tax refund transaction is requested through the user interface 120 in response to an inquiry of whether the tax refund transaction is used, the tax refund service processor 140 is the payment management device 200 through the communication unit 110. Request a tax refund transaction.

When the refund information is provided from the payment management server 200 through the communication unit 110, the tax refund service processor 140 processes it in consideration of a predetermined form to be output through the user interface 120. To help. The tax refund service processor 140 may receive information regarding a form of a preset refund slip from the memory 150 for processing the refund information.

The memory 150 stores various programs for controlling the overall operation of the affiliated store terminal 100, various data generated by program execution, acquired data, and the like. For example, the memory 150 may store payment request information generated for credit settlement or approval result information received through the communication unit 110. In addition, the memory 150 may store a refund slip information received through the communication unit 110 or a form for outputting the approval result information and the refund slip information.

3 shows a configuration of a payment management device 200 constituting a tax refund processing system according to an embodiment of the present invention.

Referring to FIG. 3, the payment management apparatus 200 includes a communication unit 210, a credit settlement processing unit 220, a tax refund service processing unit 230, and a memory 240.

The communication unit 210 performs communication with the merchant terminal 100, the card management device 300, and a financial server (not shown) to process credit settlement and tax refund transactions.

More specifically, the communication unit 210 receives payment request information from the affiliated store terminal 100 for credit payment, and provides the received payment request information to the credit payment processing unit 220. The communication unit 210 transmits the approval result information, that is, the processing result information according to the credit payment provided from the credit settlement processing unit 220 to the affiliated store terminal 100.

In addition, the communication unit 210 receives the refund registration information provided from the card management device 300 for the tax refund transaction, and provides the received refund registration information to the tax refund service processor 230. The refund registration information may be provided periodically or aperiodically by the card management apparatus 300 or may be provided in response to a separate request.

The communication unit 210 may inquire whether the tax refund transaction is used by the affiliated store terminal 100 at the request of the tax refund service processor 230. When the communication unit 210 receives a tax refund transaction request from the merchant terminal 100, the communication unit 210 reports the tax refund service processor 230.

The credit settlement processor 220 obtains information on a credit card, a payment amount, a purchased product, and the like from the payment request information provided through the communication unit 210. The credit settlement processor 220 performs a credit settlement process using the obtained information. The credit settlement process is performed with the card management apparatus 300 or a separate financial server through the communication unit 210. When the credit settlement is successfully processed, the credit settlement processor 220 configures processing result information, and transmits it to the affiliated store terminal 100 through the communication unit 210.

The tax refund service processor 230 performs an overall operation for supporting a tax refund transaction for a purchaser who purchases an item at the request of the affiliated store terminal 100.

More specifically, when the tax refund service processor 230 receives the refund registration information from the card management device 300 through the communication unit 210, it provides it to the memory 240 to be managed. . When the tax refund service request is received from the affiliated store terminal 100 through the communication unit 210, the tax refund service processor 230 receives the refund registration information corresponding to the buyer who requested the tax refund transaction from the memory 240. Read from) The tax refund service processor 230 determines the refund tax amount using the purchased goods and the purchase amount confirmed by the read refund registration information and the payment request information. The tax refund service processor 230 may calculate an expected refund amount based on the determined refund tax amount. In general, the refund tax amount is determined based on the criteria for VAT set by category of purchased goods. For example, the refund tax may include at least one of value added tax, education tax, and special consumption tax.

When the tax refund service processor 230 determines the refund tax amount, the refund information is generated and provided to the communication unit 210 to be transmitted to the affiliated store terminal 100. In addition, the tax refund service processor 230 stores the determined refund tax amount in the memory 240. At this time, the determined refund tax amount can be managed by the buyer (subscriber of the tax refund service).

The tax refund service processor 230 may perform a BIN check using the card information of the buyer in order to determine whether the buyer subscribes to the tax refund service. When the tax refund service processor 230 determines that the buyer is subscribed to the tax refund service based on the result of the BIN check, it is determined whether the tax refund transaction is used by the merchant terminal 100 through the communication unit 210. You can inquire.

The communication unit 210 may include the refund information in a payment processing result and transmit the refund information. That is, the communication unit 210 configures one message including the refund information and the payment processing result, and transmits the configured message to the affiliated store terminal 100.

The memory 240 stores various programs for controlling the overall operation of the payment management device 200. In particular, the memory 240 stores refund registration information received from the card management apparatus 300 through the communication unit 210. The memory 240 may store information about the refund tax amount determined by the tax refund service processor 230 in response to a buyer, that is, a subscriber of the tax refund service.

The memory 240 may store the VAT rate for each product category required for determining the tax amount of the refund in the tax refund service processor 230.

The memory 240 is based on the payment request information received from the affiliated store terminal 100 through the communication unit 210 for credit payment and the payment processing result generated by the credit payment processing unit 220 for the credit payment. Save the information.

The memory 240 may include a read only memory (ROM), a random access memory (RAM), a flash memory, and the like.

4 illustrates a configuration of a card management apparatus 300 constituting a tax refund processing system according to an embodiment of the present invention.

Referring to FIG. 4, the card management apparatus 300 includes a communication unit 310, a user interface 320, and a tax refund service registration unit 330.

The communication unit 310 performs communication with an external terminal or payment management device 200 to provide refund registration information for the subscription of the tax refund service and the tax refund service.

For example, when the communication unit 310 receives a tax refund service subscription request from an external subscriber, the communication unit 310 transmits the request to the tax refund service registration unit 330. In addition, by requesting the tax refund service registration unit 330, the subscriber terminal requests the provision of information necessary for the subscription of the tax refund service. The communication unit 310 provides the tax refund service registration unit 330 with information received from the subscriber station in response to the request. In order to subscribe to the tax refund service, information for identifying a subscriber and card information are required. The information for identifying the subscriber may be a passport number, national affairs, name, etc. The card information may be information about a credit card or ID card. In this case, the credit card also includes a mobile card.

The communication unit 310 transmits the service information for the subscriber, that is, the refund registration information, to the payment management device 200 by the instruction of the tax refund service registration unit 330.

The user interface 320 receives relevant information directly from an administrator for registration of a tax refund service, and provides the received information to the tax refund service registration unit 330. The user interface 320 is provided for another method for registering a tax refund service.

The tax refund service registration unit 330 generates refund registration information for the target subscriber based on the personal information and the card information input through the communication unit 310 or the user interface 320. The generated refund registration information is provided to the memory 340 so that the generated refund registration information can be managed in response to the target subscriber. In addition, the tax refund service registration unit 330 provides the generated refund registration information to the payment management device 200 through the communication unit 310.

5 is a signal processing procedure for providing a tax refund service in a tax refund processing system according to an embodiment of the present invention.

Referring to FIG. 5, the purchaser 400 performs a tax refund service registration procedure with the card management apparatus 300 (operation 510). For example, the purchaser 400 accesses the card management apparatus 300 to subscribe to the tax refund service and provides personal information and card information according to the map of the card management apparatus 300. In this case, the personal information may be information for identifying a subscriber, such as a passport number, nationality, name, and the like, and the card information may be information about a card issued for the tax refund service. That is, the information about the credit card (including mobile card) or ID card is used as the card information.

For example, when the purchaser 400 reveals the intention to subscribe to the tax refund service to the card management apparatus 300, the card management apparatus 300 provides information on the user interface for subscribing to the tax refund service to the purchaser 400. To provide. The buyer 400 inputs the information necessary for subscribing to the tax refund service through the user interface.

However, when using the offline method, the subscriber 400 informs the operator of the card management device 300 information necessary to subscribe to the tax refund service, so that the operator operates the card management device 300 to operate the subscriber. It may also be possible to process a subscription to the tax refund service for 400.

The card management apparatus 300 proceeds with the registration process of the tax refund service based on the information provided by the buyer 400, and generates refund registration information corresponding to the buyer 400 through this (step 512). ). The refund registration information includes information required for calculating the refund tax rate due to the purchase of the goods when the subscriber 400 purchases the goods by a future tax refund transaction.

The card management apparatus 300 provides the generated refund registration information to the payment management apparatus 200 (operation 514). Therefore, the payment management device 200 manages the refund registration information provided from the card management device 300 to support the tax refund transaction for the buyer.

When the buyer 400 presents a card for payment after purchasing the item, the buyer 400 inputs information for credit payment to the affiliated store terminal 100 (step 516). That is, when a credit settlement request is received from the buyer 400, information for credit settlement is inputted by manipulation of the buyer or the merchant terminal 100 with information required to process credit settlement. The merchant terminal 100 obtains item information and card information from the information input for the credit settlement.

The affiliated store terminal 100 determines whether the buyer 400 is a subscriber of the tax refund service (step 518). For example, a BIN check is performed using the card information obtained for the credit settlement, and it is determined whether the purchaser 400 has subscribed to the tax refund service based on the result of the BIN check.

If the credit card for the credit settlement is affiliated with the tax refund service through the BIN check, the merchant terminal 100 inquires whether the buyer 400 wants a tax refund transaction (step 520).

In response to the inquiry, the buyer 400 requests the tax refund transaction when the tax refund transaction is desired (step 522). When the tax refund transaction is requested by the buyer 400, the affiliated store terminal 100 generates payment request information based on information necessary for credit settlement and information requesting a tax refund transaction (step 524). However, when a tax refund transaction is not requested by the purchaser 400 or a credit card for credit payment is not affiliated with a tax refund service, the merchant terminal 100 receives payment request information using only information necessary for credit payment. Create (step 524).

The affiliated store terminal 100 requests a payment process based on the generated payment request information to the payment management device 200 (step 526). In this case, the payment request information includes merchant information, article information, and card information. The affiliated store information may be divided into 'standard' and 'luxury'. In addition, the payment request information further includes identification information indicating whether the tax refund transaction is used.

The payment management device 200 performs a procedure for credit payment using the payment request information (step 528). Since the procedure for credit settlement is already known, a detailed description thereof will be omitted.

When the tax refund transaction is requested from the affiliated store terminal 100, the payment management device 200 generates refund information corresponding to the credit transaction (step 530). For example, the payment management apparatus 200 confirms the refund registration information managed in correspondence with the purchaser 400, and calculates a refund tax amount for the purchased goods and the purchase amount corresponding to the confirmed refund registration information and the credit transaction. do. The payment management device 200 configures a payment processing result based on the payment approval result and the generated refund information according to the credit payment and reports the result to the affiliated store terminal 100 (operation 532).

The merchant terminal 100 receives the payment processing result reported from the payment management device 200 and outputs the received payment processing result (step 534). For example, the affiliated store terminal 100 outputs a refund slip for receiving a tax refund service based on the refund information included in the payment processing result. In this case, the refund slip may be output along with information according to the payment approval. Otherwise, the affiliated store terminal 100 may output information according to the payment approval as a separate receipt.

6 is a signal processing procedure for providing a tax refund service in a tax refund processing system according to another embodiment of the present invention.

Referring to FIG. 6, the purchaser 400 performs a tax refund service registration procedure with the card management apparatus 300 (operation 610). For example, the purchaser 400 accesses the card management apparatus 300 to subscribe to the tax refund service and provides personal information and card information according to the map of the card management apparatus 300. In this case, the personal information may be information for identifying a subscriber, such as a passport number, nationality, name, and the like, and the card information may be information about a card issued for the tax refund service. That is, the information about the credit card (including mobile card) or ID card is used as the card information.

The card management apparatus 300 proceeds with the procedure of subscribing to the tax refund service based on the information provided by the purchaser 400, and generates refund registration information corresponding to the purchaser 400 (step 612). ). The refund registration information includes information required for calculating the refund tax rate due to the purchase of the goods when the subscriber 400 purchases the goods by a future tax refund transaction.

The card management apparatus 300 provides the generated refund registration information to the payment management apparatus 200 (operation 614). Therefore, the payment management device 200 manages the refund registration information provided from the card management device 300 to support the tax refund transaction for the buyer.

When the buyer 400 presents a card for payment after purchasing an item, the buyer 400 inputs information for credit payment to the affiliated store terminal 100 (step 616). That is, when a credit settlement request is received from the buyer 400, information for credit settlement is inputted by manipulation of the buyer or the merchant terminal 100 with information required to process credit settlement. The merchant terminal 100 obtains item information and card information from the information input for the credit settlement.

The affiliated store terminal 100 generates payment request information based on information required for credit settlement (step 618). The affiliated store terminal 100 requests payment processing based on the generated payment request information to the payment management device 200 (operation 620). In this case, the payment request information includes merchant information, article information, and card information. The affiliated store information may be divided into 'standard' and 'luxury'.

The payment management device 200 determines whether the buyer 400 is a subscriber of the tax refund service (step 622). For example, a BIN check is performed using the card information obtained for the credit settlement, and it is determined whether the purchaser 400 has subscribed to the tax refund service based on the result of the BIN check.

If the credit card for the credit settlement is affiliated with the tax refund service through the BIN check, the payment management device 200 inquires whether the buyer 400 wants the tax refund transaction to the merchant terminal 100. (Step 624). In response, the merchant terminal 100 inquires whether the buyer 400 wants a tax refund transaction (step 626).

The buyer 400 requests the tax refund transaction when the tax refund transaction is desired in response to the inquiry (step 628). When the tax refund transaction is requested by the buyer 400, the affiliated store terminal 100 also transmits to the payment management device 200 that the buyer 400 requests the tax refund transaction (S630).

However, when the tax refund transaction is not requested by the purchaser 400 or the credit card for the credit settlement is not affiliated with the tax refund service, the payment management apparatus 200 processes the previously requested credit settlement (636). ). Since the procedure for credit settlement is already known, a detailed description thereof will be omitted.

When the tax refund transaction is requested from the affiliated store terminal 100, the payment management device 200 generates refund information corresponding to the credit transaction as well as the processing of the credit settlement (steps 632 and 634). For example, the payment management apparatus 200 confirms the refund registration information managed in correspondence with the purchaser 400, and calculates a refund tax amount for the purchased goods and the purchase amount corresponding to the confirmed refund registration information and the credit transaction. do. The payment management device 200 configures a payment processing result based on the payment approval result and the generated refund information according to the credit payment and reports the result to the affiliated store terminal 100 (step 638).

The affiliated store terminal 100 receives the payment processing result reported from the payment management apparatus 200 and outputs the received payment processing result (step 640). For example, the affiliated store terminal 100 outputs a refund slip for receiving a tax refund service based on the refund information included in the payment processing result. In this case, the refund slip may be output along with information according to the payment approval. Otherwise, the affiliated store terminal 100 may output information according to the payment approval as a separate receipt.

7 shows a signal processing procedure for providing a tax refund service in the tax refund processing system according to another embodiment of the present invention.

Referring to FIG. 7, the purchaser 400 performs a tax refund service registration procedure with the card management apparatus 300 (operation 710). For example, the purchaser 400 accesses the card management apparatus 300 to subscribe to the tax refund service and provides personal information and card information according to the map of the card management apparatus 300. In this case, the personal information may be information for identifying a subscriber, such as a passport number, nationality, name, and the like, and the card information may be information about a card issued for the tax refund service. That is, the information about the credit card (including mobile card) or ID card is used as the card information.

The card management apparatus 300 proceeds with the registration process of the tax refund service based on the information provided by the buyer 400, and generates refund registration information corresponding to the buyer 400 through the step (712). ). The refund registration information includes information required for calculating the refund tax rate due to the purchase of the goods when the subscriber 400 purchases the goods by a future tax refund transaction.

The card management device 300 provides the generated refund registration information to the payment management device 200 (step 714). Therefore, the payment management device 200 manages the refund registration information provided from the card management device 300 to support the tax refund transaction for the buyer.

When the buyer 400 presents the card for payment after purchasing the item, the buyer 400 inputs information for credit payment to the affiliated store terminal 100 (step 716). That is, when a credit settlement request is received from the buyer 400, information for credit settlement is inputted by manipulation of the buyer or the merchant terminal 100 with information required to process credit settlement. The merchant terminal 100 obtains item information and card information from the information input for the credit settlement.

The affiliated store terminal 100 generates payment request information based on information required for credit settlement (step 718). The affiliated store terminal 100 requests payment processing based on the generated payment request information to the payment management device 200 (step 720). In this case, the payment request information includes merchant information, article information, and card information. The affiliated store information may be divided into 'standard' and 'luxury'.

The payment management apparatus 200 processes a credit payment using payment request information in response to the request of the affiliated store terminal 100 (7226). Since the procedure for credit settlement is already known, a detailed description thereof will be omitted.

The payment management device 200 determines whether the buyer 400 is a subscriber of the tax refund service (step 724). For example, a BIN check is performed using the card information obtained for the credit settlement, and it is determined whether the purchaser 400 has subscribed to the tax refund service based on the result of the BIN check.

If the credit card for the credit payment is affiliated with the tax refund service through the BIN check, the payment management device 200 asks the merchant terminal 100 for the authorization information and the tax refund transaction according to the credit payment. Report the payment processing result including the information inquiring to the affiliated store terminal 100 (step 726).

The merchant terminal 100 receives the payment processing result reported from the payment management device 200 and outputs the received payment processing result (step 728). At this time, the output payment result will consist only of the approval details according to the credit payment processing.

Meanwhile, the merchant terminal 100 recognizing that the payment processing result includes information on whether to use the tax refund transaction, inquires whether the buyer 400 wants the tax refund transaction (step 730).

The buyer 400 requests the tax refund transaction when the tax refund transaction is desired in response to the inquiry (step 732). When the tax refund transaction is requested by the buyer 400, the affiliated store terminal 100 also transmits the request to the payment management device 200 to request the tax refund transaction (operation 734).

When the tax refund transaction is requested from the affiliated store terminal 100, the payment management device 200 generates refund information corresponding to the credit transaction (operation 736). For example, the payment management apparatus 200 confirms the refund registration information managed in correspondence with the purchaser 400, and calculates a refund tax amount for the purchased goods and the purchase amount corresponding to the confirmed refund registration information and the credit transaction. do. The payment management device 200 reports the generated refund information to the affiliated store terminal 100 (step 738).

The merchant terminal 100 issues a refund slip for the buyer 400 to receive the tax refund service based on the refund information (step 740).

8 illustrates an example of a refund slip issued by an affiliated store terminal according to an exemplary embodiment of the present invention.

Referring to FIG. 8, the refund slip 800 may include merchant information 810, refund registration information 820, payment approval information 830, and refund tax amount 840. The merchant information 810 may include a merchant name, a business address, a phone number, a sale date, and the like. The refund registration information 820 may include a passport number, name, nationality, address and signature. In addition, the payment approval information 830 may include product category, quantity, payment amount information, and the like, and the refund tax amount 840 may include VAT, individual consumption tax, education tax, total refund amount, and the like.

It will be appreciated that the embodiments of the invention described above are feasible in hardware, software or a combination of hardware and software. Such arbitrary software may be, for example, a volatile or non-volatile storage such as a storage device such as a ROM or the like, such as, for example, a RAM, a memory chip, a device or an integrated circuit Memory, or a storage medium readable by a machine (e.g., a computer) as well as being optically or magnetically recordable, such as, for example, a CD, DVD, magnetic disk or magnetic tape.

The content providing apparatus and method of the present invention can be implemented by a computer or a mobile terminal including a control unit and a memory, and the memory is a machine suitable for storing programs or programs including instructions for implementing the embodiments of the present invention It is an example of a storage medium that can be read by a computer. Accordingly, the invention includes a program comprising code for implementing the apparatus or method as claimed in any of the claims herein, and a storage medium readable by a machine (such as a computer) for storing such a program. In addition, such a program may be electronically transported through any medium such as a communication signal transmitted via a wired or wireless connection, and the present invention appropriately includes the same.

In addition, the content providing apparatus and method may receive and store the program from a program providing apparatus connected by wire or wirelessly. The program providing apparatus includes a memory for storing a program including instructions for causing the graphic processing apparatus to perform a predetermined content protection method, information necessary for the content protection method, and the like, and a wired or wireless communication with the graphic processing apparatus And a control unit for transmitting the program to the transceiver upon request or automatically by the graphic processing apparatus.

Claims

In the merchant terminal issuing a refund slip for the tax refund service,
Receiving a request for payment from a buyer and determining whether the buyer is a subscriber of the tax refund service;
When the buyer is determined to be a subscriber of the tax refund service, inquiring the buyer of whether to apply the tax refund transaction in processing the requested payment;
Requesting the tax refund transaction to a payment management device that will process the payment requested by the buyer when a tax refund transaction is requested from the buyer;
Receiving refund information from the payment management device in response to the tax refund transaction request;
And issuing a refund slip to the buyer based on the received refund information, the refund slip being used to receive a tax refund on the purchase amount made.

The method of claim 1, wherein the determining is performed.
Receiving a payment request from the buyer;
Checking whether the card is an affiliate card registered for the tax refund service using the card information provided for the payment request;
Refund slip issuing method comprising the step of determining whether the buyer is a subscriber of the tax refund service based on the inspection result.

The method of claim 1, wherein the determining is performed.
Receiving a payment request from the buyer;
Requesting the payment management device for payment processing corresponding to the received payment request;
Receiving a refund slip comprising the step of determining that the buyer is a subscriber of the tax refund service, when it is inquired whether to apply the tax refund transaction to the payment requested to be processed from the payment management device.

The method of claim 3,
Inquiry about whether the tax refund transaction is applied from the payment management device is made at the time of reporting the result of the payment processing.

5. The method according to any one of claims 1 to 4,
The refund information includes a personal information including a passport number, a nationality, and a name, and information about a refunded tax rate or a refund amount of the card information and the payment amount made.

In the merchant terminal issuing a refund slip for the tax refund service,
Communication unit for performing communication with the payment management device for issuing the refund slip,
A user interface for requesting payment and tax refund transactions from buyers and issuing refund documents to said buyers;
It is determined whether the buyer is a subscriber of the tax refund service, and when it is determined that the buyer is a subscriber of the tax refund service, a request for a tax refund transaction is requested from the buyer by inquiring whether the buyer applies the tax refund transaction through the user interface. Request a tax refund transaction to the payment management device through the communication unit, and based on the refund information received from the payment management device through the communication unit in response to the tax refund transaction request, Merchant terminal comprising a tax refund service processing unit for issuing a refund slip to be used for receiving a tax refund for the user interface.

The method of claim 6, wherein the tax refund service processing unit,
Accepting a payment request from the buyer through the user interface, and checking whether the corresponding card is an affiliate card registered for a tax refund service by using the card information provided at the received payment request; Merchant terminal characterized in that it determines whether the buyer is a subscriber of the tax refund service.

The method of claim 6, wherein the tax refund service processing unit,
Receives a payment request from the buyer through the user interface, requests a payment processing corresponding to the received payment request to the payment management device through the communication unit, and for the payment for which the processing is requested from the payment management device. Merchant terminal characterized in that the buyer is determined to be a subscriber of the tax refund service, when inquired whether the application of the tax refund transaction through the communication unit.

9. The method of claim 8,
Inquiry as to whether or not the tax refund transaction is applied from the payment management device, the merchant terminal characterized in that it is made together when reporting the result of the payment processing.

10. The method according to any one of claims 6 to 9,
The refund information includes personal information including a passport number, a nationality, and a name, and information on a refunded tax rate or a refund amount of the card information and the payment amount made.

A method for providing refund information for a tax refund service to a buyer in a payment management device,
Receiving a refund registration information generated by the application for the tax refund service from the card management apparatus to which the tax refund service is applied by the buyer;
Receiving a payment request by the buyer and a tax refund transaction request for the payment request from a merchant terminal;
Calculating a refund tax amount for the transaction amount of the transaction in which the payment processing is completed after the payment processing according to the payment request is made using the refund registration information received from the card management apparatus in response to the purchaser;
Refund information providing method comprising the step of transmitting the refund information including at least one of the refund amount obtained by applying the calculated refund tax amount and the calculated refund tax amount to the transaction amount.

The method of claim 11, wherein the receiving of the tax refund transaction request comprises:
When receiving a payment request by the buyer from the merchant terminal, the refund information providing method characterized in that the process of receiving identification information indicating that the tax refund transaction is requested by the buyer.

The method of claim 11, wherein the receiving of the tax refund transaction request comprises:
Receiving a payment request by the buyer from the merchant terminal;
Checking whether the card is an affiliate card registered for the tax refund service using the card information provided for the payment request;
If it is determined by the inspection result that the buyer is a subscriber of the tax refund service, inquiring whether the merchant terminal applies the tax refund transaction to the payment request;
Responding information providing method comprising the step of receiving a tax refund transaction request from the merchant terminal in response to the inquiry.

The method of claim 13,
Inquiry as to whether the tax refund transaction is applied, the refund information providing method characterized in that it is made together when reporting the result of the payment processing.

15. The method according to any one of claims 11 to 14,
The refund registration information includes personal information including passport number, nationality, name, and card information for which payment was made;
And the refund information includes at least one of a refund tax rate for the payment amount and information on the refund amount.

In the payment management device that provides the refund information for the tax refund service to the buyer,
Communication unit for performing communication with the merchant terminal and the card management device to provide refund information for the tax refund service,
A memory for receiving and storing refund registration information generated by an application for a tax refund service by the purchaser through the communication unit, and storing the refund registration information;
Receive the payment request by the buyer and the tax refund transaction request for the payment request from the merchant terminal through the communication unit, and after the payment processing according to the payment request is completed, the refund tax amount for the transaction amount is completed The refund information is calculated by using the refund registration information stored in the memory in response to the purchaser, and the refund information includes at least one of the refund amount obtained by applying the calculated refund tax amount and the calculated refund tax amount to the transaction amount. Payment management device including a tax refund service processing unit for transmitting to the merchant terminal through a communication unit.

The method of claim 16, wherein the tax refund service processing unit,
When receiving a payment request by the buyer from the merchant terminal through the communication unit, payment management device characterized in that it receives along with the identification information indicating that the tax refund transaction is requested by the buyer.

The method of claim 16, wherein the tax refund service processing unit,
When receiving the payment request by the buyer from the merchant terminal through the communication unit, using the card information provided for the payment request to check whether the card is a partnership card registered for the tax refund service, and the test result When the buyer determines that the subscriber is a tax refund service, by asking the merchant terminal whether to apply a tax refund transaction for the payment request through the communication unit, the merchant through the communication unit in response to the inquiry The payment management device, characterized in that for receiving a tax refund transaction request from the terminal.

19. The method of claim 18,
Inquiry as to whether the tax refund transaction is applied, the payment management device characterized in that is made at the time of reporting the result of the payment processing.

20. The method according to any one of claims 16 to 19,
The refund registration information includes personal information including passport number, nationality, name, and card information for which payment was made;
And the refund information includes at least one of a refund tax rate and a refund amount of the payment amount.