KR20170082825A - Apparatus, method and computer program for cash management service for small office and home office - Google Patents

Apparatus, method and computer program for cash management service for small office and home office Download PDF

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KR20170082825A
KR20170082825A KR1020160002060A KR20160002060A KR20170082825A KR 20170082825 A KR20170082825 A KR 20170082825A KR 1020160002060 A KR1020160002060 A KR 1020160002060A KR 20160002060 A KR20160002060 A KR 20160002060A KR 20170082825 A KR20170082825 A KR 20170082825A
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information
tax
deposit
transaction
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윤완수
장분호
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웹케시 주식회사
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    • G—PHYSICS
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/10—Tax strategies
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

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Abstract

The fund management device is intended for use by enterprise users, especially Small Office / Home Office (SOHO) enterprises. The money management device includes a transaction information management module configured to receive transaction proof information by communicating with an IRS server or a card association server; And a financial information management module configured to receive the deposit and withdrawal history information by communicating with the financial institution server and to generate connection information between the deposit and withdrawal history information and the transaction proof information by comparing the deposit and withdrawal details information with the transaction proof information . The above-mentioned money management apparatus can easily and easily manage the management flow based on the deposit and withdrawal history and the actual transaction details, and can be utilized for SOHO business operators close to individuals. And provide a shared economic platform connecting taxpayers (or tax offices) for the purpose of attracting customers.

Description

TECHNICAL FIELD [0001] The present invention relates to a money management apparatus, a method, and a computer program for a SOHO enterprise,

FIELD OF THE INVENTION [0001] The present invention relates to a money management apparatus, a method, and a computer program, and more particularly, to a technique that enables intuitive and easy money management of SOHO (Small Office / Home Office) enterprise users.

SOHO (Small Office / Home Office) refers to a type of business that conducts business using a computer network such as the Internet in a home or an extremely small office. Due to the spread of computer networks and the development of information and communication technologies, the number of jobs that can be used only by e - mail and computer networks has increased, resulting in the emergence of SOHO - type work forms. Typically, a SOHO enterprise usually refers to a small company that employs one to ten people, and in many cases it is an individual business.

Since SOHO enterprises are operated by individuals or very small groups, the introduction of enterprise resource planning (ERP) system or cash management service (CMS) system, which is mainly used in enterprises, There are difficulties. However, until now, there has not been a solution that can be easily adapted to the operation type of SOHO enterprise and can manage money easily.

Published patent application No. 10-2012-0024029

According to an aspect of the present invention, an intuitive and simple money management method based on a bankbook is linked to a proof transaction of a corporation, thereby enabling an intuitive and easy money management of SOHO (Small Office / Home Office) The present invention can provide a fund management apparatus, a method, and a computer program that enable customized promotion according to user information through functions.

A transaction management module configured to be used by an enterprise user and configured to receive transaction evidence information by communicating with an IRS server or a card association server; And a financial information management module configured to receive the deposit and withdrawal history information by communicating with the financial institution server and to generate connection information between the deposit and withdrawal details information and the transaction proof information by comparing the deposit and withdrawal details information with the transaction proof information .

In one embodiment, the transaction proof information includes at least one of a sales tax bill, a purchase tax bill, a card sales breakdown, a card usage breakdown, and a cash receipt breakdown.

The money management apparatus according to an embodiment further includes a tax management module configured to generate tax declaration information using the transaction proof information and the deposit / withdrawal details information.

In one embodiment, the tax management module presents information associated with one or more tax accountants to the enterprise user, and in response to selecting one of the one or more tax accounters from the enterprise user, To the tax agent's device.

The money management apparatus according to an embodiment further includes a loan management module configured to generate loan request information using at least one of the transaction proof information, the deposit / withdrawal history information, or the tax declaration information.

The money management apparatus according to an embodiment further includes a notification module configured to transmit a notification related to at least one of the deposit-and-withdrawal history information or the tax-related information to the device of the enterprise user. At this time, the tax-related information may include consulting information received from a tax agent who is in a transaction relationship with the enterprise user.

The money management apparatus according to an embodiment of the present invention receives a user input requesting payment of the transaction proof information from the enterprise user, communicates with the financial institution server, and transmits the account transaction information corresponding to the transaction proof information requested to be paid And a payment management module configured to request execution.

The money management apparatus according to an embodiment further includes an integrated reporting module configured to generate a profit and loss report based on the connection information between the deposit and withdrawal history information and the transaction proof information.

The money management apparatus according to one embodiment determines promotion information to be presented to the user based on at least one of the deposit / withdrawal information or the transaction proof information, and stores the deposit / withdrawal details information in response to the deposit / Or a promotional management module configured to present the promotional information together with the transaction proof information.

In the embodiments, the money management apparatus may be a user apparatus corresponding to the enterprise user, or the money management apparatus may be a server accessible from the enterprise user apparatus.

The method for managing funds according to an embodiment includes: receiving transaction proof information by being used by an enterprise user by communicating with a money management server or a card-related server; Receiving the deposit and withdrawal history information by communicating with the financial institution server; And the money management apparatus compares the deposit / withdrawal information with the transaction proof information to generate connection information between the deposit / withdrawal details information and the transaction proof information.

In one embodiment, the transaction proof information includes at least one of a sales tax bill, a purchase tax bill, a card sales breakdown, a card usage breakdown, and a cash receipt breakdown.

The method of managing money according to an embodiment further includes generating tax declaration information using the transaction proof information and the deposit / withdrawal information.

A method for managing funds according to an embodiment includes the steps of: presenting information related to one or more tax accountants to the enterprise user; Receiving selection information on any one of the one or more tax accountants from the enterprise user; And transmitting the tax reporting information to the selected tax accountant's device in response to receiving the selection information.

The method for managing funds according to an embodiment further includes generating loan request information using at least one of the transaction proof information, the deposit / withdrawal history information, or the tax declaration information.

The method of managing funds according to an embodiment further includes transmitting a notification related to at least one of the deposit-and-withdrawal history information or the tax-related information to the enterprise user's apparatus. The method of managing funds further includes receiving consulting information from a device of a tax agent who is in a transaction relationship with the enterprise user before transmitting the notification to the device of the enterprise user, . ≪ / RTI >

According to an embodiment of the present invention, there is provided a method of managing funds, the method comprising: receiving a user input requesting payment of the transaction proof information from the enterprise user; And requesting execution of an account transaction corresponding to the transaction proof information requested to be paid by communicating with the financial institution server.

The fund management method according to an embodiment further includes generating a profit and loss report based on the connection information between the deposit and withdrawal history information and the transaction proof information.

The method according to one embodiment of the present invention includes the steps of: determining promotion information to be presented to a user based on at least one of the deposit / withdrawal history information or the transaction proof information; And presenting the promotion information together with the deposit / withdrawal history information or the transaction proof information in response to the deposit / withdrawal history information being inquired.

The method for managing funds according to an embodiment may be performed by an application executed on a user apparatus corresponding to the enterprise user, or by a server accessible from the enterprise user's apparatus.

A computer program according to one embodiment may be stored in a computer readable medium for execution of the method of managing funds according to the above embodiments in combination with hardware.

The apparatus and method for managing money according to one aspect of the present invention can easily and easily manage the management flow based on the deposit and withdrawal history and the actual transaction details, and it is possible to manage the flow of business to SOHO (Small Office / Home Office) Can be usefully used.

Also, according to the above-mentioned money management apparatus and method, it is possible to provide a shared economic platform connecting a SOHO company, which requires tax declaration for corporate management, and a tax accountant (or tax office) for attracting paid customers.

According to the above-mentioned fund management apparatus and method, it is possible to provide a financing management apparatus and a fund management system, in which a user operates the funds management apparatus and method, through a nudge function that provides customized promotions based on the deposit / withdrawal history information and / The institution may be a main trading institution or a user may be induced to consume financial products of the financial institution.

Furthermore, the above-mentioned money management apparatus and method enables fast and easy loan based on data by providing financial and tax data of SOHO enterprise users, and enables quick and easy payment processing of SOHO enterprise users by supporting simple payment based on billing data .

1 is a schematic block diagram of a fund management apparatus according to an embodiment.
FIG. 2A is a conceptual diagram illustrating a form in which a money management apparatus according to an embodiment is implemented as a user apparatus.
FIG. 2B is a conceptual diagram illustrating a form in which the money management apparatus according to an embodiment is implemented as a server.
3 is an image showing a screen for displaying the connection between the deposit / withdrawal history information and the transaction proof information in the money management apparatus according to the embodiment.
4 is an image showing a screen for displaying transaction proof information in the money management apparatus according to the embodiment.
5 is an image showing a screen for executing a simple payment in the money management apparatus according to the embodiment.
6A is an image showing a screen for displaying a cash profit / loss report in the money management apparatus according to an embodiment.
6B is an image showing a screen for displaying a simple profit and loss report in the money management apparatus according to the embodiment.
7A to 7E are images showing a screen for displaying promotion information in the money management apparatus according to the embodiment.
8 is a flowchart illustrating a method for managing funds according to an embodiment.
FIG. 9 is a flowchart showing a fund management method according to another embodiment.

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

1 is a schematic block diagram of a fund management apparatus according to an embodiment.

The money management apparatus according to the embodiments can be used to enable intuitive and easy money management of SOHO (Small Office / Home Office) enterprise users, but the user of the money management apparatus is not limited thereto. Referring to FIG. 1, the money management apparatus includes a transaction information management module 10 and a financial information management module 20. In one embodiment, the fund management apparatus further comprises an integrated reporting module (30). Further, in one embodiment, the money management apparatus further comprises a tax management module 40. [ Further, in one embodiment, the fund management apparatus further comprises a notification module 50. [ Further, in one embodiment, the fund management apparatus further comprises a payment management module 60. [ Further, in one embodiment, the fund management apparatus further comprises a loan management module 70. [ Further, in one embodiment, the money management apparatus further includes a promotion management module 80. [

The fund management apparatus according to embodiments of the present invention may have aspects that are entirely hardware, or partially hardware, and partly software. For example, the money management apparatus and each module included therein may collectively refer to hardware and related software for processing data of a specific type and content and / or for exchanging data in an electronic communication manner. The terms "unit", "module", "device", "terminal", "server" or "system" are used herein to refer to a combination of hardware and software driven by that hardware . For example, the hardware may be a data processing device comprising a CPU or other processor. Also, the software driven by the hardware may refer to a running process, an object, an executable, a thread of execution, a program, and the like.

Each module constituting the money management apparatus according to the embodiments is not necessarily intended to refer to a separate component that is physically distinct. 1, the transaction information management module 10, the financial information management module 20, the integrated report module 30, the tax management module 40, the notification module 50, the payment management module 60, The module 70 and the promotional management module 80 are shown as separate blocks separated from each other, but some or all of these modules may be integrated in the same single device. Also, each module is a functionally separate device according to the operation performed by the computing device in which they are implemented, and does not necessarily mean a separate device that is separate from each other.

FIG. 2A is a conceptual diagram illustrating a form in which a money management apparatus according to an embodiment is implemented as a user apparatus.

Referring to FIG. 2A, the money management apparatus 1 according to the present embodiment is implemented in the form of a mobile device used by a SOHO enterprise user, for example, a smartphone. The fund management apparatus 1 according to the present embodiment is implemented by executing a predetermined application (or an app) that performs a fund management method on the smartphone. However, the user equipment in which the money management apparatus according to the embodiments can be implemented is not limited to a smart phone but may be a mobile communication terminal, a personal computer (PC), a notebook computer, a personal digital assistant a set-top box for an Internet Protocol Television (IPTV), an assistant, a tablet, or any other computing device.

The fund management apparatus 1 implemented in the form of a user device is connected to a card related server such as an IRS server 3, a credit finance association server 4 and a card issuer server 5 via a wired and / or wireless network 2, It is possible to execute the fund management method according to the embodiments while communicating with the financial institution server 6 or the like. A specific method of managing funds will be described later in detail with reference to FIG. 3 to FIG. In addition, the money management apparatus 1 may be configured to communicate with one or more tax agent apparatus 7 via a wired and / or wireless network. As with the above-described user device, the tax agent device 7 may also be any computing device such as a mobile communication terminal such as a smart phone, a PC, a notebook computer, a PDA, a tablet, and a set-top box.

In this specification, an enterprise user and a tax accountant do not necessarily refer to a natural person, but are intended to refer to an individual or an organization for using the fund management apparatus and method according to the embodiments. Thus, enterprise users and tax accountants may be individual businesses or corporations.

The communication methods supported by the wired and / or wireless network 2 used by the money management apparatus according to the embodiments may include all communication methods in which objects and objects can be networked, and may be wired communication, wireless communication, 3G , 4G, or otherwise. For example, the wired and / or wireless network 2 may be a wireless local area network (LAN), a metropolitan area network (MAN), a global system for mobile network (GSM), an enhanced data GSM environment (EDGE) Downlink Packet Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Zigbee, Wi- , Voice over Internet Protocol (VoIP), LTE Advanced, IEEE 802.16m, WirelessMAN-Advanced, HSPA +, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB Communication by one or more communication methods selected from the group consisting of OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), Wi-MAX (World Interoperability for Microwave Access) But it is not limited to this.

Meanwhile, the money management apparatus according to the embodiments may be implemented in the form of a user apparatus, instead of a server accessible from a user apparatus, for example, a web server or an application service server accessible from a user apparatus Can be implemented. The SOHO enterprise user can execute the fund management method by accessing the fund management apparatus using a web browser or a specific application executed on his / her user apparatus.

FIG. 2B is a conceptual diagram illustrating a form in which the money management apparatus according to an embodiment is implemented as a server.

Referring to FIG. 2B, the money management apparatus 1 according to the present embodiment is a server that allows a user to use the user apparatus 8 and connect via a wired and / or wireless network 2. FIG. The fund management apparatus 1 communicates with a card-related server such as the NTS server 3, the credit finance association server 4 or the card issuer server 5, the financial institution server 7, The user can use the user device 8 to transfer the necessary input to the fund management device 1 or to receive the relevant result from the fund management device 1. [ 2B, the money management apparatus 1 is shown as communicating directly to the IRS server 3, the credit finance association server 4, the card issuer server 5, and the financial institution server 6. However, Communications between the management device 1 and these servers 3-6 may also be made via the wired and / or wireless network 2. [

2a and 2b, the user device 8, the tax accountant device 7 and the various servers 3-6 are shown as one device or block, respectively, for convenience of explanation. However, it will be easily understood by those skilled in the art that this is illustrative and does not represent the actual number of devices operating in association with the money management apparatus 1. [ For example, the user apparatus 8 and the tax agent apparatus 7 may exist as many as the number of SOHO enterprise users and tax accountants using the money management apparatus 1. [ Also, the IRS server 3, the credit finance association server 4, the credit card company server 5, and the financial institution server 6 may be collectively referred to as a server group including one or more servers communicably connected to each other.

Referring again to FIG. 1, the transaction information management module 10 may receive the transaction proof information associated with the enterprise user. For example, the transaction information management module 10 may receive information such as a sales tax statement, a purchase tax statement, and a cash receipt history from the NTS server. For this, the transaction information management module 10 stores the authentication information such as the business registration number of the company in advance by the user, and periodically and / or at the request of the user, Information can be received. Also, the transaction information management module 10 can receive card sales details, card usage details, and the like as transaction proof information from the card related server. The card-related server may include a separate card company server or a credit finance association server.

The financial information management module 20 can receive deposit and withdrawal history information related to an enterprise user from a financial institution server. To this end, the financial information management module 20 stores authentication information such as account number, account name, account password, etc. of the enterprise user in advance and periodically and / or at the request of the user, And can receive deposit and withdrawal history information from the server. In addition, the financial information management module 20 generates connection information for linking the received deposit / withdrawal history information with the above-described transaction proof information, and presents it to the user so that the user can easily grasp the association between the account transaction and the real transaction can do.

3 is an image showing a screen for displaying the connection between the deposit / withdrawal history information and the transaction proof information in the money management apparatus according to the embodiment.

Referring to FIG. 3, the financial information management module may display one or more deposit details 301 and one or more withdrawal details 302 for a SOHO company account. At this time, when there is a transaction corresponding to the deposit details in the transaction proof information received by the transaction information management module, the financial information management module collects the deposit information 301 corresponding to the deposit details, for example, You can display tax invoice information together. Similarly, the financial information management module may display the withdrawal history 302 together with the proof information 312 corresponding to the withdrawal history, for example, the purchase tax statement information. The matching between the deposit / withdrawal information and the proof information can be determined by comparing the deposit / withdrawal amount and the sales / purchase amount of the tax invoice with each other so that the deposit / withdrawal history and the sales / purchase tax invoice correspond. At this time, it may be determined that the deposit / withdrawal information and the proof information are matched only when the deposit name of the deposit / withdrawal account number is matched with the issuer / recipient of the tax invoice and both are identical.

Meanwhile, the financial information management module may be configured to further present to the user a cash profit / loss statement 320 generated by collating the details of the deposit and the sales tax statement, and a simple payment button 330 for payment processing for the proof , Which will be described later in detail.

In this specification, the operation of each module of the money management apparatus will be described using an image suitable for display on the screen of a smartphone. This may be an operation screen of an application (or an app) that executes on a smart phone and implements the money management apparatus according to the embodiments, or a screen for displaying information received by accessing the money management apparatus on the smart phone It may be indicative. It should also be understood that the forms of presentation of information in the drawings attached hereto are merely illustrative and that the form of the user interface or user experience of the fund management apparatus according to embodiments may be embodied in the forms disclosed herein .

4 is an image showing a screen for displaying transaction proof information in the money management apparatus according to the embodiment.

Referring to FIG. 4, the transaction information management module receives information such as a sales tax bill, a purchase tax bill, a cash receipt history, and the like from the NTS server and the card-related server, and presents the information to the user as shown in FIG. 4 shows a screen in which sales are selected from the top of the screen and the sales tab, and the sales tax bill item 401 is selected and the individual sales tax bill information 411, for example, customer, item, Displays the displayed screen. When the user selects the sales credit card item 402 or the sales cash receipt item 403, the details of other items are closed and the details of the selected items can be displayed in the form of a pull-down menu. Also, if you select the fill tab at the top of the screen, the items on the screen are converted into purchase tax invoices, purchase credit cards, and cash receipts.

Referring again to Fig. 1, the money management apparatus according to an embodiment includes a tax management module 40. [ The tax management module 40 generates tax declaration information using the transaction proof information received in the transaction information management module 10 and the deposit and withdrawal history information received in the financial information management module 20. [ In the tax reporting information, the business registration number of the SOHO enterprise user, the business type of the business, the total amount of purchase (the total amount of the invoices total bill, the total amount of the tax invoices total), the total amount of sales , At least one sales slip data and purchasing slip data, and the like. The business registration number, the business type, and the like can be input in advance by the user. The purchase / sales amount and the journal data can be automatically extracted from the transaction proof information and the deposit / withdrawal history information by the tax management module 40. Therefore, the user can easily collect information to be provided to the tax accountant by inputting minimum information.

In one embodiment, the fund management apparatus presents the information of one or more tax accountants registered in advance to the enterprise user, and receives the selection information of any one of the tax accounters from the enterprise user, Or the like. For example, the fund management device can present the business field, contact information, customer evaluation, and introductory text of each tax accountant to the enterprise user. In one embodiment, when an enterprise user submits a request for a specific tax agent, the tax reporting information generated by the tax management module 40, in response to the application or at a separate request of the enterprise user, is transmitted to the selected tax accountant do. That is, the money management apparatus according to the present embodiment can function as an open platform for business connection between a SOHO enterprise user and a tax accountant.

In one embodiment, the fund management device further comprises a notification module 50. [ The notification module 50 is configured to transmit a notice of deposit and withdrawal history information and / or tax-related information to the device of the enterprise user. For example, a notification may include a real-time notification of the withdrawal history of a business account, which may include push notifications through applications, text messages, or other different forms that may prompt a user's attention. Lt; / RTI > In one embodiment, the notification includes tax consulting information as tax related information. The tax consulting information may be information related to tax, card, loan, etc., which a SOHO company should generally know, or it may be customized tax consulting information received from a tax consultant who has signed a contract with a business user. Based on the tax reporting information received from the tax management module 40, the tax accountant can transmit customized consulting information on the tax schedule, the tax amount, and the like to the enterprise user through the fund management device.

In one embodiment, the fund management device further comprises a payment management module 60. [ The payment management module 60 receives a user input requesting payment of specific transaction proof information from an enterprise user and communicates with a financial institution server to execute an account transaction corresponding to the transaction proof information requested to be paid, Request a remittance to your account. For this purpose, the billing management module 60 authenticates the account of the enterprise user in advance and stores the account related information as user information. If the enterprise user who desires to make a simple payment later inputs a predetermined authentication method, for example, Etc., to execute the account transaction.

5 is an image showing a screen for executing a simple payment in the money management apparatus according to the embodiment.

5, when an enterprise user selects a billing statement 501 that is automatically collected by a transaction information management module such as a purchase tax bill, a salary, or a utility bill, a separate user for payment for the billing statement 501 Interface 502 (e.g., a pop-up window) may be displayed. The SOHO enterprise user can easily perform settlement by modifying the amount of money and inputting preset authentication information (for example, PIN number or fingerprint recognition) in the user interface 502. [

For such an operation, the enterprise user transmits to the payment management module in advance the account information (for example, financial institution name, account number, account name, etc.) and authentication information to be used for authentication of future simple payment. In the billing management module, after validating the account information of the SOHO enterprise user, user information of the corresponding enterprise user is generated. In one embodiment, the user information may include an identification number and authentication information for replacing the account number, which is also transmitted to the financial institution server and stored in association with the actual account number. When the simple payment is requested by the SOHO enterprise user, the payment management module presents the input interface of the authentication information to the user to receive the authentication information, and when authenticated by the authentication information, transmits the identification number and the payment request history to the financial institution server do. The financial institution server inquires the actual account number corresponding to the identification number and executes the account transaction corresponding to the payment request history.

Referring again to FIG. 1, in one embodiment, the fund management device includes an integrated reporting module 30. The integrated reporting module 30 generates a profit and loss report based on the deposit and withdrawal history information received by the financial information management module 20 and the transaction proof information received by the transaction information management module 10 and the connection information between them And to present it to the users of the SOHO enterprise.

FIG. 6A is an image showing a screen for displaying a cash profit / loss report in the money management apparatus according to an embodiment, and FIG. 6B is an image showing a screen for displaying a simple profit and loss report in the money management apparatus according to an embodiment.

Referring to FIG. 6A, the consolidated report presented by the integrated reporting module can be made up of tabs of cash profit, profit and loss, and tax return. In the Cash Profit tab, the integrated reporting module compares the receipt and payment history with the purchase / sales tax invoices to calculate the profit and loss. For example, you can calculate the amount to be deducted from the amount already paid in the sales tax statement. In addition, you can deduct the amount already withdrawn from the amount of the purchase tax invoice to calculate the ancillary amount. Furthermore, the total amount deposited may be deducted from the total withdrawal amount to generate revenue. Referring to FIG. 6B, in the Quick Profit tab, the aggregate reporting module calculates the profit or loss based solely on the amount of the purchase / sales tax invoice. That is, the sum of the amounts in the sales tax invoice is the profit, and the sum of the amounts in the purchase tax invoice is the cost. At this time, profits are the total cost of the total revenue.

On the other hand, if the tax report tab is selected in the integrated report presented by the integrated reporting module, the tax management module 40 may be called and the operation by the tax management module 40 described above may be performed.

6A and 6B are merely illustrative, and the type and display form of information processed and / or presented for the SOHO user in the money management apparatus according to the embodiments may be different, and FIG. 6A And 6b.

In one embodiment, the fund management device further comprises a loan management module 70. [ The loan management module 70 receives the transaction proof information received by the transaction information management module 10, the deposit and withdrawal history information received by the financial information management module 20, and the tax information generated by the tax management module 40 It is possible to generate the loan request information using one or more of the report information. The loan request information includes information such as the sales flow, purchase flow, card usage flow, creditworthiness of the customer (account number in the sales tax invoice), and the credit rating of the business owner, which are required when the SOHO company is examined for loan by the financial institution SOHO enterprise users can apply for a loan by presenting the loan request information generated by the loan management module 70 to the financial institution without having to individually collect the loan review data.

In one embodiment, the loan management module 70 is communicatively coupled to one or more financial institution servers, and in response to the SOHO enterprise user selecting a loan application using the funds management device, May be further configured to transmit to the server.

In one embodiment, the fund management device further comprises a promotional management module 80. [ The promotion management module 80 is a part for realizing a nudge function for providing personalized promotions in accordance with the business information of the user. Specifically, the promotion management module 80 determines promotion information to be presented to the user based on the deposit / withdrawal history information and / or the transaction proof information, and when the user inquires the deposit / withdrawal details information, And presents the promotional information together with the promotional information.

7A to 7E are images showing a screen for displaying promotion information in the money management apparatus according to the embodiment.

7A is an image showing a screen on which notification information is presented to the user by the money management apparatus. In FIG. 7A, a deposit notification for an account is presented, but this is an example, and the information transmitted in the notification may be any information related to deposit and withdrawal history. In this embodiment, the deposit / withdrawal history information may include not only direct account deposits and withdrawals but also all transaction details based on withdrawals from the account. For example, deposit details, withdrawal details, card limit amounts, The estimated amount of the card sales deposit, the estimated amount of the card additional tax refund, the amount of the card used, and the like, but the present invention is not limited thereto.

7B is an image showing a screen in which a user has entered a query screen by taking a specific action such as a click in response to a notification. FIG. 7C is a view showing a screen in which a user selects a deposit item 700 It is an image representing a screen. When the user requests detailed inquiry about the specific details, the fund management device determines the promotional information to be presented to the user based on the deposit and withdrawal history information requested by the user and / or the transaction proof information related thereto, .

7C, a detailed inquiry screen includes a favorite box 701, an item and date information box 702, a detail information box 703, a memo box 704, a nudge box (705), and a sharing icon (706).

The user can check whether or not the item is favorite by checking or releasing the favorite box 701. [ The fund management device is configured to provide a user interface that allows the user to conveniently access the favorite items.

The detail information box 703 displays detailed information on the item such as a deposit amount, a deposit date, a withdrawal amount, a withdrawal date, a transaction date, The remaining amount of the card, the card limit amount, the card charge amount, the planned amount of the card sales deposit, the estimated value of the card additional tax refund, and the card usage amount. Also, the detailed information box 703 may display the transaction proof information inquired as being related to the deposit / withdrawal details. In addition, the user can freely write a user memo for the item using the memo box 704. [

Promotion information automatically determined by the fund management apparatus is displayed in the nudge box 705 in accordance with the contents of the information displayed in the detail information box 703. [ In the example of FIG. 7C, a message is displayed on the nudity box 705 as promotion information to present the details of the credit card payment to the user and to induce automatic transfer to the financial institution account providing the service through the money management device.

Meanwhile, the user can select one or more shared icons 706 to transmit the details-viewed deposit and withdrawal history information to himself or another user in the form of a text message, SNS (social networking service), e-mail, or the like.

7D is another example of the nudity function, which is an image showing a screen in which the user selects the card VAT turnover anticipated amount item 710 on the inquiry screen of FIG. The functions of the favorites box 711, the item and date information box 712, the detail information box 713 and the share icon 716 in the image of Figure 7d are the same as those of the corresponding components of the screen described above with reference to Figure 7c The detailed description will be omitted.

Referring to FIG. 7D, in the present embodiment, the detailed inquiry item is the estimated value of the card VAT refund. At this time, the nudity box 715 displays a user interface for connecting the user and the tax office as promotional information related to the estimated value of the card VAT refund . If the user selects "transfer to tax office ", information regarding the estimated inquiry card VAT refund estimate amount may be transmitted from the money management apparatus to the tax agent apparatus 7 (FIG. 1) selected by the user via a wired and / .

7E is another example of the nudity function, which is an image showing a screen in which the user selects the card charge amount item 720 in the inquiry screen of FIG. The functions of the favorites box 721, item and date information box 722, detailed information box 723, and share icon 726 in the image of Figure 7e are the same as those of the corresponding components of the screen described above with reference to Figure 7c The detailed description will be omitted.

Referring to FIG. 7E, a detail inquiry item in the present embodiment is a card charge amount. At this time, in the nudge box 725, a message for inducing a loan from a financial institution providing a service through the fund management apparatus as promotional information is displayed do. When the user selects "Apply for a simple loan, " the user who has been linked to the loan related web page of the financial institution and inquired of the card charge amount can easily apply for the loan as needed.

However, the promotional information described above with reference to Figs. 7A to 7E is merely an example, and in the present specification, the promotional information may be provided by a financial institution such as a bank, Utilization of a service provided by the management apparatus, etc., and is not limited to a specific kind of information.

8 is a flowchart illustrating a method for managing funds according to an embodiment. The fund management method according to the present embodiment may be performed using the fund management apparatus according to the embodiments.

Referring to FIG. 8, transaction proof information is received by communicating with an NTS server or a card association server (S11). The transaction proof information may include, for example, a sales / purchase tax statement, a card sales history, a card usage history, a cash receipt history, and the like. In addition, by communicating with a financial institution server, receipt and payment history information is received (S12). Next, connection information between the received deposit / withdrawal history information and the transaction proof information is generated (S13). For example, the deposit / withdrawal amount and the sales / purchase amount of the tax invoice are compared with each other, and if the amounts are the same, the connection information can be generated to determine that the deposit / withdrawal history and the sales / purchase tax invoice correspond . Further, it is possible to further collate the deposit name of the deposit / withdrawal account number with the issuer / recipient of the tax invoice, and generate connection information associating the depositor name and the issuer / recipient of the tax invoice only when they are identical.

In one embodiment, the tax reporting information is generated using the transaction proof information and the deposit / withdrawal information (S14). In the tax reporting information, the business registration number of the SOHO enterprise user, the business type of the business, the total amount of purchase (the total amount of the invoices total bill, the total amount of the tax invoices total), the total amount of sales , At least one sales slip data and purchasing slip data, and the like.

In one embodiment, information on one or more tax accountants is registered in the money management apparatus (S15), and information related to the registered tax accountant is presented to the SOHO enterprise user (S16). The information presented to the enterprise users may include the subject areas of each tax accountant, contact information, customer evaluations, and introductory text. If the enterprise user selects the preferred tax accountant, the tax declaration information generated in the above-described step S4 is transmitted to the selected tax accountant's apparatus (S17).

In one embodiment, a notification associated with one or more of the deposit and receipt history information or the tax related information is transmitted to the device of the SOHO enterprise user. For example, the notification may be a real-time notification of the deposit and withdrawal history of the SOHO enterprise business account. Alternatively, the notification may be a notification of the tax consulting information required by the SOHO enterprise. The tax consulting information may be general information related to the tax, card, loan, etc., or customized tax consulting information received from the tax accountant of the SOHO enterprise user, for example, a tax schedule, a tax amount, and the like.

In one embodiment, a user input requesting payment of transaction proof information is received from a SOHO enterprise user, and communication with the financial institution server is requested to execute the account transaction corresponding to the transaction proof information requested to be paid. At this time, the SOHO enterprise user only has to register the account number in the fund management apparatus in advance and perform the simple authentication by the previously specified authentication method (for example, PIN number input, fingerprint recognition, etc.) at the time of the actual payment request. When the simple authentication is performed, the money management apparatus transmits the identification information and the payment request history generated in advance corresponding to the account number to the financial institution server, thereby inquiring the account number corresponding to the identification information at the financial institution server, To execute the account transaction corresponding to the account transaction.

In one embodiment, a profit and loss report is generated based on the connection information between deposit and withdrawal history information and transaction proof information. The profit and loss report can include the cash profit and loss calculated by comparing the deposit and withdrawal details with the purchase / sales tax invoice. For example, cash gains and losses are calculated by subtracting the already deposited amount from the sales tax statement, the anxious amount calculated by deducting the amount already withdrawn from the purchase tax invoice, and the total withdrawn amount And may include revenue calculated by subtracting the amount. However, this is illustrative and the profit and loss of the profit and loss report may be calculated based only on the amount of the invoice / sales tax invoice.

In one embodiment, loan request information is generated using at least one of transaction proof information, deposit and withdrawal history information, or tax declaration information. The loan request information is a combination of information such as sales flow, purchase flow, card use flow, creditworthiness of the customer, creditworthiness of the business owner, etc. required when examining a SOHO company for lending by a financial institution. In one embodiment, the loan request information may be transmitted from the fund management device to a server of the financial institution to which the loan is to be requested.

FIG. 9 is a flowchart showing a fund management method according to another embodiment. Steps S21 to S23 of the flowchart shown in FIG. 9 are respectively identical to steps S11 to S13 of the above-described embodiment with reference to FIG. 8, and therefore, detailed description thereof will be omitted in order to avoid duplication of description.

Referring to FIG. 9, a notification about deposit / withdrawal history information is transmitted to the user device (S24). In the present embodiment, the deposit / withdrawal history information may include not only direct account deposits and withdrawals but also all transaction details based on withdrawals from the account. For example, the deposit details, withdrawal details, card limit amounts, A planned amount of sales deposits, an estimated amount of card reimbursement, a card usage amount, and the like, but the present invention is not limited thereto.

Next, when an inquiry request for the deposit / withdrawal details information is received from the user apparatus that has received the notification (S25), the promotional information to be presented to the user is determined based on the deposit / withdrawal details information and / or transaction proof information related thereto (S26) . Promotional information may be provided to a financial institution providing the service through the money management apparatus or a financial transaction of the financial institution, a connection between the tax office providing the service through the money management apparatus, or another service provided by the money management apparatus For example.

When the customized promotional information is determined based on the user information, the promotional information is presented to the user along with the deposit / withdrawal details information and / or the related transaction proof information that have been viewed by the user (S27). Thus, a nudge function for providing customized promotions to the user can be implemented.

The operation by the money management apparatus according to the above-described embodiments can be at least partially realized by a computer program and recorded on a computer-readable recording medium. A program for implementing operations by the money management apparatus according to the embodiments is recorded, and the computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and a carrier wave (for example, And the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment may be easily understood by those skilled in the art to which this embodiment belongs.

While the invention has been shown and described with reference to certain embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. However, it should be understood that such modifications are within the technical scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (25)

1. A money management device for use by an enterprise user,
A transaction information management module configured to receive transaction proof information by communicating with an IRS server or a card association server; And
And a financial information management module configured to receive the deposit and withdrawal history information by communicating with the financial institution server and to generate connection information between the deposit and withdrawal details information and the transaction proof information by comparing the deposit and withdrawal details information with the transaction proof information, Management device.
The method according to claim 1,
Wherein the transaction proof information includes at least one of a sales tax bill, a purchase tax bill, a card sales breakdown, a card usage breakdown, and a cash receipt breakdown.
The method according to claim 1,
And a tax management module configured to generate tax reporting information using the transaction proof information and the deposit / withdrawal history information.
The method of claim 3,
Wherein the tax management module presents information related to one or more tax accountants to the enterprise user and transmits the tax reporting information to the selected tax accountant's device in response to selecting one of the one or more tax accounters from the enterprise user And further configured to:
The method according to claim 1,
And a loan management module configured to generate loan request information using at least one of the transaction proof information, the deposit / withdrawal history information, or the tax declaration information.
The method according to claim 1,
And a notification module configured to transmit a notification related to at least one of the deposit-and-withdrawal history information or the tax-related information to the device of the enterprise user.
The method according to claim 6,
Wherein the tax-related information includes consulting information received from an apparatus of a tax accountant in a business relationship with the enterprise user.
The method according to claim 1,
And a payment management module configured to receive a user input requesting payment of the transaction proof information from the enterprise user and request the execution of the account transaction corresponding to the transaction proof information requested to be paid by communicating with the financial institution server Comprising a fund management device.
The method according to claim 1,
And an integrated report module configured to generate a profit and loss report based on the connection information between the deposit and withdrawal history information and the transaction proof information.
The method according to claim 1,
Determining whether or not the promotion information to be presented to the user based on at least one of the deposit / withdrawal history information or the transaction proof information is included in the deposit / withdrawal history information or the transaction proof information, And a promotional management module configured to present the promotional management module.
The method according to claim 1,
Wherein the fund management device is a user device corresponding to the enterprise user.
The method according to claim 1,
Wherein the money management apparatus is a server connectable to the apparatus of the enterprise user.
A method for managing funds for use by an enterprise user,
Receiving the transaction proof information by the money management apparatus communicating with an IRS server or a card association server;
Receiving the deposit and withdrawal history information by communicating with the financial institution server; And
And the money management apparatus compares the deposit and withdrawal history information with the transaction proof information to generate connection information between the deposit and withdrawal history information and the transaction proof information.
14. The method of claim 13,
Wherein the transaction proof information includes at least one of a sales tax bill, a purchase tax bill, a card sales breakdown, a card usage breakdown, and a cash receipt breakdown.
14. The method of claim 13,
And generating tax declaration information using the transaction proof information and the deposit / withdrawal details information.
16. The method of claim 15,
Presenting information associated with one or more tax accountants to the enterprise user;
Receiving selection information on any one of the one or more tax accountants from the enterprise user; And
Further comprising transmitting said tax reporting information to a selected tax accountant's device in response to receiving said selection information.
15. The method of claim 14,
And generating the loan request information using at least one of the transaction proof information, the deposit / withdrawal history information, or the tax declaration information.
15. The method of claim 14,
And transmitting a notification related to at least one of the deposit-and-withdrawal history information or the tax-related information to the device of the enterprise user.
19. The method of claim 18,
Further comprising the step of receiving consulting information from a device of a tax agent who is in a transaction relationship with the enterprise user before transmitting the notification to the device of the enterprise user,
And the tax-related information includes the consulting information.
15. The method of claim 14,
Receiving a user input requesting payment of the transaction proof information from the enterprise user; And
And requesting execution of an account transaction corresponding to the transaction proof information requested to be paid by communicating with a financial institution server.
15. The method of claim 14,
And generating a profit and loss report based on the connection information between the deposit and withdrawal history information and the transaction proof information.
15. The method of claim 14,
Determining promotion information to be presented to the user based on at least one of the deposit / withdrawal history information or the transaction proof information; And
Further comprising the step of presenting the promotion information together with the deposit / withdrawal history information or the transaction proof information in response to the deposit / withdrawal history information being inquired.
15. The method of claim 14,
Wherein the fund management method is performed by an application executed on a user apparatus corresponding to the enterprise user.
15. The method of claim 14,
Wherein the fund management method is performed by a server connectable in the apparatus of the enterprise user.
A computer program stored in a computer-readable medium for executing a method of managing funds according to any one of claims 14 to 24 in combination with hardware.
KR1020160002060A 2016-01-07 2016-01-07 Apparatus, method and computer program for cash management service for small office and home office KR20170082825A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102091243B1 (en) 2019-10-29 2020-03-20 박철파 Central control system for share office based on IoT
KR20230053180A (en) * 2021-10-14 2023-04-21 이정훈 System, method and computer-readable recording medium for checking receipt history based on electronic tax invoice
KR102549112B1 (en) * 2022-10-21 2023-06-29 농협은행(주) Fraud detection system and method for treasury using terminal devices

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102091243B1 (en) 2019-10-29 2020-03-20 박철파 Central control system for share office based on IoT
KR20230053180A (en) * 2021-10-14 2023-04-21 이정훈 System, method and computer-readable recording medium for checking receipt history based on electronic tax invoice
KR102549112B1 (en) * 2022-10-21 2023-06-29 농협은행(주) Fraud detection system and method for treasury using terminal devices

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