KR20200032431A - Method and apparatus for remittance transaction processing using code information - Google Patents

Abstract

According to an embodiment of the present invention, a remittance transaction processing method of a transaction terminal comprises the steps of: obtaining code information; outputting a remittance transaction interface for processing a remittance transaction transfer to a seller account corresponding to operator information when the operator information is included in the code information; generating transfer request information for a remittance transaction including transaction information input through the remittance transaction interface; and transmitting the transfer request information to a server.

Description

Method and apparatus for remittance transaction processing using code information {Method and apparatus for remittance transaction processing using code information}

The present invention relates to a method and apparatus for processing a transaction. More specifically, the present invention relates to a method and apparatus for processing a money transfer transaction using code information.

Generally, cash and credit cards are mainly used as payment methods for purchasing goods. As described above, among the payment methods, when carrying the cash to the consumer, there is a risk of loss, and the seller has a problem in that it is difficult to secure transparency and manage transaction information.

Accordingly, payment by credit card is encouraged until now, which not only provides consumers with convenience in use, such as the possibility of future payment of purchased goods, but also deduction of income, as well as the purchase of products purchased by consumers. Since purchase-related details are databased, there is an advantage that it is possible to secure tax revenue.

However, the credit card is required to have a separate credit card issuing procedure and an authentication process, and it is necessary to carry a physical card or store it in a mobile terminal to carry it, so there is a problem in security management of the payment method.

Accordingly, in recent years, when a specialized Internet bank was launched and a number of cash transactions are processed by online transfer between mobiles by internet transfer, online payment using transfer transfer is a payment method that combines only the advantages of the above two methods. Is becoming.

Currently, in the case of such a transfer, it is common that the buyer receives the account information for payment of the product required by the seller, transfers the corresponding amount, shows the result to the seller, or is processed by the seller himself.

However, the seller is inconvenient to check the transfer to the deposit account and buyer information at the request of the buyer, and input transaction management, sales information management, inventory management, etc. using his / her terminal each time. .

In addition, due to these problems, small businesses do not issue sales reports, tax invoices, or even cash receipts, but transaction transparency may be impaired. There is a problem in that tax evasion or a fine therefor is additionally added.

The present invention is to solve the problems as described above, by providing an application-based Internet or online account transfer transaction, that is, a transfer transfer transaction, an automated processing method based on code information recognition, thereby providing convenience for sellers and buyers. The purpose is to provide a method and apparatus for providing financial services that can secure and improve transaction transparency and prevent tax evasion and fines accordingly.

A method of processing a remittance transaction in a transaction terminal according to an embodiment of the present invention for solving the above-described problems includes: obtaining code information; Outputting a remittance transaction interface for processing a remittance transaction transfer to a seller account corresponding to the operator information when the operator information is included in the code information; Generating transfer request information for a transfer transaction including transaction information input through the transfer transaction interface; And transmitting the transfer request information to a server.

A transaction terminal for processing a remittance transaction according to an embodiment of the present invention for solving the above-described problems includes: a code recognition unit for acquiring code information; An interface unit for outputting a remittance transaction interface for processing a remittance transaction transfer to a seller account corresponding to the operator information when the operator information is included in the code information; A transfer processing unit for generating transfer request information for a transfer transaction including transaction information input through the transfer transaction interface; And a communication unit transmitting the transfer request information to a server.

On the other hand, a method according to an embodiment of the present invention for solving the above problems may be implemented as a program for executing the method in a computer and a recording medium in which the program is recorded.

According to an embodiment of the present invention, by providing an application-based Internet or online account transfer transaction in an automated processing method based on code information recognition, securing convenience for sales management of sellers and buyers, and reporting sales at the same time , By issuing tax invoices and processing cash receipts, transaction transparency can be improved and tax evasion and fines can be prevented.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.
2 is a block diagram showing a buyer terminal according to an embodiment of the present invention in more detail.
3 is a block diagram showing a seller terminal according to an embodiment of the present invention in more detail.
4 is a block diagram showing a transaction service providing apparatus according to an embodiment of the present invention in more detail.
5 is a ladder diagram for describing an overall system operation according to an embodiment of the present invention.
6 to 8 are diagrams showing the interface of each terminal according to an embodiment of the present invention.

The following merely illustrates the principles of the present invention. Therefore, those skilled in the art may implement various principles included in the concept and scope of the present invention and implement the principles of the present invention, although not explicitly described or illustrated in the present specification. In addition, all conditional terms and examples listed in this specification are intended to be expressly intended only for the purpose of understanding the concept of the present invention in principle, and should be understood as not limited to the specifically listed examples and states. do.

In addition, it should be understood that all detailed descriptions that list the principles, aspects and embodiments of the invention, as well as specific embodiments, are intended to include structural and functional equivalents of these matters. It should also be understood that these equivalents include all currently invented equivalents as well as equivalents to be developed in the future, ie all devices invented to perform the same function regardless of structure.

Accordingly, all flowcharts, state diagrams, pseudo-codes, etc., should be understood to represent various processes performed by a computer or processor, whether or not the computer or processor is clearly depicted, which may be substantially represented on a computer-readable medium. .

The functionality of the various elements shown in the figures, including a processor or functional block marked with a similar concept, may be provided by the use of dedicated hardware as well as hardware capable of executing software in connection with appropriate software. When provided by a processor, the functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared.

The above objects, features, and advantages will become more apparent through the following detailed description in connection with the accompanying drawings, and accordingly, those skilled in the art to which the present invention pertains can easily implement the technical spirit of the present invention. There will be. In addition, in the description of the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted.

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

First, after briefly defining the terms used in the specification of the present invention, an embodiment of the present invention will be described.

The "terminal" described herein may include a mobile phone, a smart phone, a laptop computer, a terminal for digital broadcasting, a personal digital assistants (PDA), a portable multimedia player (PMP), navigation, and the like. The present invention is not limited to this, and may be various devices capable of user input and information display.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.

Referring to FIG. 1, the entire system according to an embodiment of the present invention includes a transaction service providing apparatus 100, a seller terminal 200 and a buyer terminal 300, a bank server 500 and an IRS server 400 do.

The seller terminal 200 and the buyer terminal 300 perform wireless communication through a general mobile communication network, and various messages such as a short message service (SMS), a multimedia message service (MMS), and an email message. It may include a cellular phone function for transmitting and receiving at least one of.

In addition, the seller terminal 200 and the buyer terminal 300 are connected to a wired, wireless or mobile communication network, and a personal digital assistant (PDA) function capable of transmitting and receiving data with an Internet Protocol (IP) network such as the Internet. It may be a terminal using, for example, various devices such as a mobile phone, a smart phone, a tablet computer, a laptop computer, a navigation device, a virtual reality device, or a wearable device may be exemplified.

In particular, the buyer terminal 300 according to an embodiment of the present invention can perform an internet-based account transfer for product transactions, and for the transfer processing according to the account transfer, the bank server 500 or a transaction service providing device ( 100) to transmit transfer request information.

Particularly, according to an embodiment of the present invention, the purchaser terminal 300 photographs or scans a kit, display device, or output for sale, etc. provided at the seller's store, and recognizes code for acquiring code information from the photographed or scanned information. Means can be provided. Here, the code information may include code information that is secured by, for example, a one-dimensional barcode, a two-dimensional barcode, a QR code, or other various forms, and is recognizable by shooting or scanning.

In addition, the purchaser terminal 300 identifies whether or not business information is included from the code information, and when the business information is included in the code information, transfers money to a seller account corresponding to the business information based on the business information. Outputs a remittance transaction interface for processing transaction transfer, generates transfer request information for remittance transaction based on the transaction information and the operator information input through the remittance transaction interface, and provides the transfer request information to a service providing device ( 100) or the bank server 500.

For example, the purchaser terminal 300 may obtain business information indicated by the business information flag from the code information, and obtain seller account information from the business information to output the remittance transaction interface, , A remittance transfer interface corresponding to the seller account information may be generated and output.

Accordingly, the buyer terminal 300 may automatically execute and output an interface application for remittance transaction even if the user simply photographs or scans code information without inputting application execution or inputting seller information.

If the operator information flag does not exist in the code information, the purchaser terminal 300 may perform a general process, such as normal Internet address access processing corresponding to the code information.

In addition, through the interface application for the remittance transaction, the buyer terminal 300 can quickly and easily check the seller information corresponding to the remittance transaction, and in response to this, tax-needed information such as the goods or services to be traded, and the buyer's business information Alternatively, since the cash receipt application information can be input as additional transaction information, transaction transparency can be effectively improved.

On the other hand, in an embodiment of the present invention, the bank server 500 may be a server that processes the transfer of money according to the transfer request information, and the transaction service providing apparatus 100 according to information identified from the transfer request information, the seller terminal ( 200) or the purchaser terminal 300 to provide relevant data according to the sales management service, the bank server 500 may be a device for requesting a transfer.

However, the bank server 500 and the transaction service providing apparatus 100 may be implemented as a single server, or may be implemented as a modular and linked system, for example, a transaction service in which the bank server 500 is modularized. It may be implemented to include all or part of the functions of the providing device 100, or the transaction service providing device 100 may be implemented to include all or part of the functions of the modularized bank server 500. Therefore, the transaction service providing apparatus 100 according to an embodiment of the present invention includes all or part of the functions of the bank server 500, transfer processing and purchase management service to the buyer terminal 300 associated therewith, and a seller A sales management service to the terminal 200 may be selectively provided.

Here, the transfer request information is remittance transfer information, and may include transaction information, remittance amount information, and receiver identification information, and the receiver identification information includes account identification information or a seller registered in correspondence with the seller terminal 200 Identification information may be included. For example, the seller identification information may include the id, email, or phone number information of the seller for which the business information is registered for the transaction service providing device 100. In addition, the service providing device 100 may pre-issue code information corresponding to business operator information registration and provide it to the seller terminal 200.

According to the operator information identified in the buyer terminal 300 and the entered transaction information, the transfer request information for the money transfer transaction may include the transaction information, and transaction flag information corresponding thereto may be further included.

Accordingly, the service providing device 100 may identify transaction flag information from the transfer request information, and may provide a purchase management service of a buyer and a sales management service of a seller corresponding to the transfer transaction.

In addition, the purchaser terminal 300 may transfer the transfer request information to the bank server 500 and allow the bank server 500 to identify the transaction flag information. In this case, the bank server 500 may be pre-connected with the transaction service providing apparatus 100 according to a predefined protocol, and provide additional transaction information obtained from transfer request information according to the transaction flag information identification. It can be delivered to the device 100.

Here, the transaction information includes, for example, transaction identification information indicating that the transaction according to the transfer of money transfer is a remittance transaction for purchasing a product for a seller or receiving a service, item information corresponding to a product or service, transaction date and time, and a seller It may include at least one of merchant information and transaction amount information.

In addition, the transaction information is taxation required information, and may further include business registration information of a buyer for issuing a tax invoice, or may further include cash receipt application information, wherein the cash receipt application information corresponds to the remittance transaction information Thus, it includes identification information of the applicant who applies for a cash receipt, and may include, for example, phone number information of a buyer.

Accordingly, the transaction service providing apparatus 100 having received the transfer request information including the transaction information may provide a purchase management and sales management service corresponding to the transfer transfer transaction.

Here, the purchase management and sales management service may include a storage and management service of a database for automatically processing all or part of a process to be performed by a buyer or seller in response to a transfer transfer transaction.

More specifically, the sales management service may include a sales report service, a tax invoice issuance service, a cash receipt issuance service, and a book management service corresponding to a transfer transfer transaction, and the purchase management service includes purchased product information and price information. And a transaction history management process corresponding to date information and a tax invoice confirmation service. The transaction service providing apparatus 100 may select an appropriate service according to taxation required information or cash receipt application information obtained from the transaction information, and perform automation processing necessary for service provision.

In addition, the transaction service providing apparatus 100 may register and store and manage the business information received from the seller terminal 200 in advance for the purchase management service and the sales management service. Business information is, for example, business registration number information, business name information, business address information, identification information of the seller terminal 200, phone number information, item information, business information, merchant information, bank name information, account number information, It may include at least one of the account information.

In particular, the transaction service providing apparatus 100 may perform sales transaction processing corresponding to the business information of the registered seller. Here, the sales transaction processing may include the sales management service accompanying the transfer processing in the bank server 500, and in particular, according to an embodiment of the present invention, the transaction service providing apparatus 100 includes the transaction information It is possible to classify a sales transaction corresponding to the business information of the seller from the transfer request information based on, and provide a sales management service to the terminal of the seller registered in advance in response to the business information.

Accordingly, the transaction service providing apparatus 100 provides the seller information corresponding to the seller in which the business information is registered to the buyer terminal 300 when the request for the transfer of money transmitted from the buyer terminal 300 is identified, or the seller The terminal 300 may also transmit a sales management notification message corresponding to the transfer request information.

In this case, the transaction service providing device 100 may hold the execution of the transfer transfer transaction process, and may transmit a notification message so that the message indicating that the transfer is a transfer transfer transaction by the buyer's request before the transfer is executed to the seller terminal 300 is output. have. Then, based on the confirmation information input from the seller terminal 300, the transfer transfer transaction process may be resumed.

In addition, when such a confirmation information is entered as a one-time and a transfer transfer transaction corresponding to the same seller is subsequently generated from the purchaser terminal 300, the transaction service providing apparatus 100 immediately performs a transfer transfer transaction process without the execution suspension. It is workable.

In particular, the transaction service providing device 100 may provide a sales management service based on pre-registered business operator information for the seller, along with the transmission of a notification message indicating that the transfer is a transaction to the seller terminal 300. According to the processing, the seller can be provided with an automated sales management service without separate management input, complicated tax invoice issuance, and cash receipt issuance processing, and as a result, transaction transaction management based on information is also provided to the buyer terminal 300 can do.

Further, according to the execution of the transfer transfer transaction process, the generated sales report information, tax invoice information, or cash receipt application information may be transmitted to the IRS server 400, and the IRS server 400 may include the sales report information and tax Income deduction processing can be performed along with tax processing based on bill information or cash receipt information.

2 is a block diagram showing a buyer terminal according to an embodiment of the present invention in more detail.

2, the buyer terminal 300 according to an embodiment of the present invention includes a control unit 310, a communication unit 320, a code recognition unit 330, a payment management unit 340, a transfer processing unit 350, remittance history It includes a management unit 360, an interface unit 370 and a storage unit 380.

The controller 310 serves to control the overall operation of the buyer terminal 300.

The communication unit 320 may include one or more modules that perform communication between the purchaser terminal 300 and the external device such as the service providing device 100 and the bank server 500.

Here, the communication unit 320 is a type that is connected in a wireless or wired manner through a local area network (LAN) and an Internet network, a type that is connected through a Universal Serial Bus (USB) port, and a mobile communication network such as 3G or 4G. It may include a communication module of a type connected through a short-range wireless communication method, such as a form connected through, NFC (Near Field Communication, RFID (Radio Frequency Identification), Wi-Fi).

The interface unit 370 receives user input and external input to the buyer terminal 300. Here, the interface unit 370 includes at least one of various types of buttons, a touch sensor receiving a touch input to the display unit, a proximity sensor receiving a motion that is not directly connected to the display unit, and a microphone receiving a voice input. It can be implemented using. However, the present invention is not limited thereto, and may be implemented in any form capable of receiving user input.

In particular, the interface unit 370 may display an interface screen for controlling the recognition of code information and generating a remittance transaction according to the operation of the buyer terminal 300 according to an embodiment of the present invention under control of the control unit 310. have.

In particular, for output and control of the remittance transaction interface, the control unit 310 may obtain business information indicated by the business information flag from the code information, and may obtain seller account information from the business information. .

For example, the operator information flag may indicate whether the operator information is included in the code information, or may indicate location information in the code information where the operator information is located. The operator information flag may include network address information in which the operator information corresponding to the seller account information is pre-registered.

Accordingly, the operator information according to an embodiment of the present invention is the seller account information of the seller, directly including a sales account or seller identification information, or indirectly including address information on a network for obtaining the seller account information. , One-time login information to the service providing device 100 for acquiring the seller account information may be included, and the interface unit 370 may obtain the business information and the seller account information directly or indirectly from code information. In addition, a remittance transfer interface corresponding to the seller account information may be generated and output.

The transaction information received through the interface may include at least one of transaction purpose information, target product information, or target service information corresponding to a transfer transfer, and a merchant account corresponding to the business operator information, corresponding to the transfer transfer. It may include purchaser information for requesting at least one of a tax invoice issuance process or a cash receipt issuance process.

For example, the buyer information may include at least one of buyer account information, buyer business registration number, or buyer mobile phone number.

Meanwhile, the code recognition unit 330 may include one or more code recognition means for recognizing the code information.

For example, the code information may include a bar code (BARCODE) or a QR code image output through an image. In addition, the code recognition unit 330 may acquire code information that is photographed or scanned and output through the interface unit 370, and the interface unit 370 may acquire the operator information flag from the code information. .

As such, the seller account information may be configured to be included in the code information and obtainable from the operator information indicated by the operator information flag, not directly included in the code information. For example, the bank server 500 or the service providing apparatus 100 may be matched and managed with the seller account information corresponding to the business information.

Accordingly, the control unit 310 may provide a remittance transaction interface corresponding to the code information recognized by the code recognition unit 330 through the interface unit 370.

Then, the control unit 310 may generate remittance transfer information corresponding to the transaction information determined according to the user input through the payment management unit 340, and process the transfer request to the bank server 300 through the transfer processing unit 350. have.

Here, the remittance transfer information includes at least one of business information recognized from the code information and transaction purpose information, target product information, or target service information input as the transaction information, or to the remittance transfer input as buyer information. It may include at least one of a buyer account information, a buyer business registration number, or a buyer's mobile phone number to request at least one of a corresponding tax invoice issuance process or a cash receipt issuance process.

On the other hand, the transfer processing unit 350 may perform the request processing of the transfer transfer based on the transfer transfer information including the transaction information. Here, the transfer processing unit 350 may further include a transfer transaction flag indicating a transfer transaction in the transfer request information for requesting transfer transfer.

Meanwhile, the remittance history management unit 360 may check the result information of the remittance history, and may provide management processing of transaction information according to the remittance history. For example, the remittance history management unit 360 may map the sender information and transaction information, and provide transaction history management processing corresponding to purchased product information, price information, and date information.

The storage unit 380 functions to store various data and applications required for the operation of the buyer terminal 300. In particular, the storage unit 380 may store code information and applications for implementing various embodiments of the present invention.

Here, the storage unit 380 includes random access memory (RAM), flash memory, read only memory (ROM), erasable programmable ROM (EPROM), electronically erasable and programmable ROM (EPMROM), register, hard disk, removable disk, and memory It may be implemented as a built-in storage device such as a card or a removable storage device such as a USB memory.

3 is a block diagram showing a seller terminal according to an embodiment of the present invention in more detail.

Referring to FIG. 3, the seller terminal 200 according to an embodiment of the present invention includes a control unit 210, a communication unit 220, an account details confirmation unit 230, a remittance payment identification unit 240, and transaction information management unit 250 ), An interface unit 260 and a storage unit 270.

The control unit 210 controls the overall operation of the seller terminal 200, and may perform the above-described conventional payment processing functions in addition to the functions described in the embodiments of the present invention.

In addition, the communication unit 220 may include one or more modules that perform communication between external devices such as the bank server 300.

Here, the communication unit 220 is a type that is connected in a wireless or wired manner through a local area network (LAN) and an Internet network, a type that is connected through a Universal Serial Bus (USB) port, and a mobile communication network such as 3G or 4G. It may include a communication module of a type connected through a short-range wireless communication method, such as a form connected through, NFC (Near Field Communication, RFID (Radio Frequency Identification), Wi-Fi).

Then, the account details confirmation unit 230 checks the transaction details of the payment account to be used for sales management through the communication unit.

To this end, the controller 210 may register operator information and payment account information to be used for sales management according to the service registration in the bank server 500 or the service providing device 100. In addition, code information according to the operator information is generated and may be issued in advance to the seller terminal 200.

Then, the remittance payment identification unit 240 may identify remittance transfer information to the payment account from the sales management service information received from the service providing device 100 as a remittance payment.

Accordingly, the transaction information management unit 250 processes the transaction information management by using transaction information identified from the remittance name information of the remittance transfer information and sales management information received from the service providing device 100. You can.

Here, the transaction information management unit 250 may process inventory management according to transaction information identified from the money transfer information or sales management information received from the service providing device 100.

In addition, the transaction information management unit 250 may process the sales history management according to the transaction information identified from the money transfer information or the sales management information received from the service providing device 100.

In addition, the transaction information management unit 250 may pre-register the seller's taxation required information corresponding to the service providing device 100, and the service providing device 100 may include the buyer information provided from the buyer terminal 300 and the above. The sales report processing to the IRS server 400 based on the seller's taxation necessary information, the request for issuance of the tax invoice, or the issuance of the cash receipt may be performed. This will be described later in more detail with reference to FIG. 4.

4 is a block diagram showing a transaction service providing apparatus according to an embodiment of the present invention in more detail.

Referring to Figure 4, the transaction service providing apparatus 100 according to an embodiment of the present invention, the communication unit 120, the service registration unit 130, the management service unit 140, the transfer information identification unit 150, wire transfer It includes a processing unit 160, an interface unit 170, a storage unit 180 and a management database (185).

The controller 110 serves to control the overall operation of the transaction service providing apparatus 100.

The communication unit 120 may include one or more modules that perform communication between the transaction service providing device 100 and an external device such as a buyer terminal 200, a seller terminal 200, and a bank server 500.

Here, the communication unit 120 is a type that is connected in a wireless or wired manner through a local area network (LAN) and an Internet network, a type connected through a Universal Serial Bus (USB) port, and a mobile communication network such as 3G or 4G. It may include a communication module of a type connected through a short-range wireless communication method, such as a form connected through, NFC (Near Field Communication, RFID (Radio Frequency Identification), Wi-Fi).

The interface unit 170 processes transmission / reception of user input information for providing a transfer transaction service between the transaction service providing device 100 and the purchaser terminal 300, or the transaction service providing device 100 and the seller terminal 200. do. The interface unit 170 generates a notification message according to service processing completion or service processing completion, and provides it to the buyer terminal 300 or the seller terminal 200 through the communication unit 120, or the buyer terminal 300 or the seller terminal The user input information from the 200 may be received and transmitted to the control unit 110 or another component. To this end, the interface unit 170 may support various types of user interfaces such as a web page, an application screen, and a virtual reality interface, and it is possible to provide a management service according to message transmission and user input reception through the user interface. .

The service registration unit 130 receives business information corresponding to the seller, matches the identification information of the seller, and registers, stores, and manages the storage unit 180.

For such registration, the service registration unit 130 may receive registration information for sales management service registration from the seller terminal 200. The registration information may include seller identification information and business information. Here, the seller identification information may include the seller's id, email or phone number information, and the business information includes business registration number information, business name information, business address information, identification information of the seller terminal 200, and phone number information. It may include at least one of item information, business information, merchant information, bank name information, account number information, and account holder information.

Then, the control unit 110 may obtain transfer request information including transaction information received from the purchaser terminal 300 through the communication unit 120, and the transfer information identification unit 150 transfers the transfer request information to Information necessary to determine that the transaction can be identified, and when it is determined to be a transfer transfer transaction, the control unit 110 may transmit the transfer request information to the management service unit 140.

To this end, the transfer information identification unit 150 may identify transaction information from transfer request information. For example, when transaction information is included, the transfer request information may further include transaction flag information, along with remittance transfer information, and the transfer information identification unit 150 parses the transaction flag information from the transfer request information. It can be distinguished that it is a transfer transfer transaction.

When the transaction flag information is identified, the control unit 110 may transmit the transfer request information together with the transaction flag information to the management service unit 140.

Meanwhile, the management service unit 140 may provide a purchase management service and a sales management service based on the transfer request information, and the purchase management service may manage transaction details or purchase details corresponding to the purchaser terminal 300 Services.

In addition, the sales management service is used to process the transfer of money according to transfer information determined to be a transfer transfer transaction, a sales management service based on registered business information in response to seller information, and accordingly to transmit and receive data to and from the IRS server 400. It may include a service by each process operation according to.

First, the management service unit 140 may provide a service result according to the sales management service to the terminal of the seller registered in advance in response to the business information.

In addition, the management service unit 140 may operate a separate management database 185 for sales management service for each seller by the sales management process, and the management database 185 is a separate database accessible from the outside. It may be a server or a cloud server, and may include a personalized database in which a security system different from the storage unit 180 is built.

Accordingly, the management service unit 140 may perform authentication for each registered seller and provide a management service for purchase information and sales information that is accessed and managed for the management database 185 only for the authenticated seller. .

For example, the management service unit 140 provides a list of deposit details classified as sales transactions to the seller terminal 200, and receives the necessary information for issuing a tax invoice corresponding to the deposit transaction information from the seller terminal 200 In accordance with the required information on issuance of the tax invoice, the request for issuance of the tax invoice to the IRS server may be performed according to the required information on the tax.

For example, the management service unit 140 provides a tax invoice interface including a business registration number, name, trade name, value-added tax amount, and date of creation of a supplier from pre-registered business information in response to sales transactions, and responds thereto It may process the request for issuance of a tax invoice to the IRS server 400 by receiving the necessary information such as the business registration number of the supplier to be received from the purchaser terminal 300 or the seller terminal 200.

In addition, when the seller terminal 200 additionally inputs unit price, quantity, and transaction type information corresponding to each sales transaction, the management service unit 140 stores and manages the corresponding tax invoice issuance processing and history information. The sales management service can be used more efficiently.

In addition, the management service unit 140 may perform sales report processing to the IRS server corresponding to the deposit transaction information.

The sales report processing may include, for example, a value-added tax reporting service that is submitted for a certain period by accumulating and accumulating sales information of issuance of tax invoices corresponding to the sales transaction, credit card sales, and cash receipts corresponding to sales transactions. To this end, the management service unit 140 may request related data from the seller terminal 200 or perform sales report processing using necessary information received from an external card company server or the like.

In addition, the management service unit 140, when the transfer request information received from the purchaser terminal 300 includes the cash receipt request information, based on the cash receipt request information, issues a cash receipt corresponding to the seller's business information As processing can be performed, the issuance request information can be delivered to the IRS server 400, and as a result, when the information is received, a completion message may be provided to the seller terminal 200 and the buyer terminal 300. .

The money transfer processing unit 160 may process a money transfer transfer to the seller account in response to the management service performed by the management service unit 140.

The remittance transfer processing unit 160 may perform transfer processing according to the remittance transfer information requested through the bank server 500 and provide transfer history information to the buyer terminal 300 and the seller terminal 200. The transfer history information may be provided in the form of a push or may be provided according to a periodic request.

5 is a ladder diagram for describing an overall system operation according to an embodiment of the present invention.

Referring to FIG. 5, the seller terminal 200 may receive code information according to prior service registration with the service providing device 100 (S101).

Accordingly, the purchaser terminal 300 may be disposed in the seller's store, or may photograph or scan code information from an output or a sales kit or display device provided from the seller (S103).

Then, the purchaser terminal 300 may identify the operator information from the code information through the code recognition unit 330 (S105), and outputs a remittance transaction interface based on the identified operator information through the interface unit 370. (S107).

Then, the purchaser terminal 300 acquires the transaction information input through the remittance transaction interface (S109), generates transfer request information based on the obtained transaction information, and transmits a transfer request to the service providing device 100 (S113). Here, the request for the transfer of money may be transmitted directly to the bank server 500.

Then, the service providing apparatus 100 processes the transfer of money corresponding to the received transfer request information (S115), and through the management service unit 140, identifies transaction information from the transfer request information, and correspondingly Remittance transaction-related management service processing is performed (S117).

Here, the management service may include a purchase management service and a sales management service as described above, and tax-needed data according to the sales management service is transmitted to the IRS server 400 (S121).

Thereafter, the service providing device 100 transmits the sales management information according to the management processing to the seller terminal 200 (S123), and transmits the purchase management information to the buyer terminal 300 (S121), transfer processing and service provision Processing can be completed.

6 to 9 are views showing interfaces of each terminal according to an embodiment of the present invention.

FIG. 6 shows a typical camera shooting application screen of the purchaser terminal 300, and the code recognition unit 330 from the image information captured or scanned while the purchase or scan function is performed in the purchaser terminal 300 It can be determined whether the code information is identified.

And, referring to FIG. 7, when the operator information or the operator information flag is identified from the code information, the interface unit 370 may automatically generate and output a remittance transaction interface as illustrated in FIG. 7. That is, when a user simply photographs or scans code information through a camera application, a process of identification of business information, acquisition of business information, and verification of merchant account information according to an embodiment of the present invention may be processed, and corresponding remittance A transaction information interface for receiving transaction information for processing a transfer may be output as shown in FIG. 7.

In addition, transaction item information, transaction amount information, and transaction date and time information for payment transfer may be displayed on the transaction information interface, and at least a portion may be automatically generated and filled. In addition, the user may enable automated report processing of the service providing device 100 by inputting business registration information for a tax invoice issuance request corresponding to a buyer through a transaction information interface or by inputting cash receipt application information. .

On the other hand, Figure 8 shows a sales management service interface according to an embodiment of the present invention, the sales management service interface according to an embodiment of the present invention in the seller terminal 200 according to the information provided through the interface unit 170 It may be output, and may include account transaction history information corresponding to a transfer transfer transaction, and service processing details of the management service unit 140 corresponding thereto.

As shown in FIG. 8, the management service unit 140 may output tax invoice issuance, sales report processing, or cash receipt issuance information corresponding to each transfer transaction through the interface, and corresponding sales status or sales It is also possible to output management details such as aggregation. In addition, the management service unit 140 may provide unprocessed details due to missing required information, and additionally provides an input interface for receiving and processing required information from the seller terminal 200 to the seller terminal 200 can do. To this end, the seller may select the management menu to input necessary information, or select other payment method information to check sales information corresponding to other payment methods.

In addition, the management service unit 140 may transmit transaction history information according to the process of issuing a tax invoice or issuing a cash receipt corresponding to the sales management service to the purchaser terminal 300.

On the other hand, the method according to the various embodiments of the present invention described above is implemented in the form of installation data for execution in a terminal device and stored in various non-transitory computer readable medium to each server or devices Can be provided. Accordingly, each terminal 200 or 300 may access the server or device, and download the installation data.

The non-transitory readable medium means a medium that stores data semi-permanently and that can be read by a device, rather than a medium that stores data for a short time, such as registers, caches, and memory. Specifically, the various applications or programs described above may be stored and provided in a non-transitory readable medium such as a CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM, and the like.

In addition, although the preferred embodiments of the present invention have been shown and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention claimed in the claims. In addition, various modifications can be implemented by those skilled in the art, and these modifications should not be individually understood from the technical idea or prospect of the present invention.

Claims (14)

In the transaction processing method of the transaction terminal,
Obtaining code information;
Outputting a remittance transaction interface for processing a remittance transaction transfer to a seller account corresponding to the operator information when the operator information is included in the code information;
Generating transfer request information for a transfer transaction including transaction information input through the transfer transaction interface; And
And transmitting the transfer request information to a server.
How to handle remittance transactions. According to claim 1,
The step of obtaining the code information,
Including shooting or scanning a kit, display device, or printout for sale at a store,
The step of outputting,
And identifying an operator information flag corresponding to the operator information from the photographed or scanned image information.
How to handle remittance transactions. According to claim 2,
The step of outputting,
Obtaining business information indicated by the business information flag from the code information;
Obtaining seller account information from the business information; And
And generating and outputting a money transfer interface corresponding to the seller account information.
How to handle remittance transactions. The method of claim 2 or 3,
The operator information flag includes network address information in which the operator information corresponding to the seller account information is pre-registered.
How to handle remittance transactions. According to claim 1,
The transaction information
At least one of transaction purpose information, target product information, or target service information corresponding to the transfer of money transfer
How to handle remittance transactions. According to claim 1,
Transaction information received through the interface is
A seller account corresponding to the business information, and includes purchaser information for requesting at least one of a tax invoice issuance process or a cash receipt issuance process corresponding to the transfer.
How to handle remittance transactions. The method of claim 6,
The buyer information includes at least one of buyer account information, buyer business registration number, or buyer mobile phone number.
How to handle remittance transactions. In the transaction terminal for processing a remittance transaction,
A code recognition unit for obtaining code information;
An interface unit for outputting a remittance transaction interface for processing a remittance transaction transfer to a seller account corresponding to the operator information when the operator information is included in the code information;
A transfer processing unit for generating transfer request information for a transfer transaction including transaction information input through the transfer transaction interface; And
And a communication unit transmitting the transfer request information to a server.
A transaction terminal that processes remittance transactions. The method of claim 8,
The code information recognition unit photographs or scans a kit, display device, or output for sale provided in a store, and identifies an operator information flag corresponding to the operator information from the photographed or scanned image information.
A transaction terminal that processes remittance transactions. The method of claim 9,
The interface unit,
Obtaining business information indicated by the business information flag from the code information, obtaining merchant account information from the business information, and generating and outputting a remittance transfer interface corresponding to the merchant account information
A transaction terminal that processes remittance transactions. The method of claim 9 or 10,
The operator information flag includes network address information in which the operator information corresponding to the seller account information is pre-registered.
A transaction terminal that processes remittance transactions. The method of claim 8,
The transaction information
And at least one of transaction purpose information, target product information, or target service information corresponding to the transfer of money transfer.
A transaction terminal that processes remittance transactions. The method of claim 8,
Transaction information received through the interface is
A seller account corresponding to the business information, and includes purchaser information for requesting at least one of a tax invoice issuance process or a cash receipt issuance process corresponding to the transfer.
A transaction terminal that processes remittance transactions. The method of claim 13,
The buyer information includes at least one of buyer account information, buyer business registration number, or buyer mobile phone number.
A transaction terminal that processes remittance transactions.

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