KR102181312B1 - A transaction service apparatus for providing a sales management service of money transfer transactions and a method using it - Google Patents

Abstract

A method of providing a transaction service of a transaction service providing device according to an embodiment of the present invention includes the steps of: receiving account transfer request information from a portable terminal of a purchaser; Identifying account information to be deposited from the account transfer request information; If the deposit target account information is a seller-only account in which the business information is matched and registered in advance, performing a sales transaction processing corresponding to the business information of the seller in response to the account transfer request information.

Description

A transaction service provision device that provides sales management services for remittance and transfer transactions, and a transaction service provision method {A TRANSACTION SERVICE APPARATUS FOR PROVIDING A SALES MANAGEMENT SERVICE OF MONEY TRANSFER TRANSACTIONS AND A METHOD USING IT}

The present invention relates to an apparatus and method for providing a transaction service. More specifically, the present invention relates to an apparatus for providing a transaction service and a method for providing a transaction service for providing a sales management service for a remittance transaction.

In general, cash and credit cards are mainly used as payment methods for purchasing goods. In the case of carrying cash among the payment means to consumers, there is a risk of loss, and it is difficult for sellers to secure tax source transparency and manage transaction information.

Accordingly, payment using a credit card is encouraged until before, which not only provides consumers with convenience in use, such as being able to pay for the goods they purchase later and receiving income deductions, Since purchase-related details are converted into a database, there is an advantage that it is possible to secure tax revenue.

However, a credit card must have a separate credit card issuing procedure and an authentication process, and since a physical card must be carried or stored in a portable terminal and carried, there is a problem in security management for a payment method.

Accordingly, in a situation in which Internet banks are recently launched and a number of cash transactions are processed by mobile-to-mobile online transfer by Internet remittance, the online payment method using remittance transfer emerges as a payment method that combines only the advantages of the above two methods. Has become.

Currently, in the case of such remittance transfer, it is common for the buyer to receive account information for payment of the required product from the seller, transfer the corresponding amount, and show the result to the seller or directly confirm the process.

However, the seller has the inconvenience of having to input the transaction details management, sales information management, inventory management, etc. using his terminal each time by checking the transfer to the deposit account and the purchaser information at the request of the buyer. .

In addition, due to this problem, small businesses do not report sales, do not issue tax invoices, or even do not receive cash receipts.However, this may impair transaction transparency, and sellers may not be able to report taxes due to omission. There is a problem that tax evasion or a fine for negligence is additionally added.

The present invention is to solve the above problems, by providing an application-based Internet or online account transfer transaction, that is, an automated sales management service for the remittance transaction, securing the convenience of sellers and buyers, and translating transactions accordingly. An object of the present invention is to provide a method and apparatus for providing financial services that can improve and prevent tax evasion or fines in advance.

In the transaction service providing method of the transaction service providing device according to an embodiment of the present invention for solving the above problems, in the transaction service providing method of the transaction service providing device, the account transfer request information is received from the portable terminal of the purchaser. Step to do; Identifying account information to be deposited from the account transfer request information; If the deposit target account information is a seller-only account in which the business information is matched and registered in advance, performing a sales transaction processing corresponding to the business information of the seller in response to the account transfer request information.

A transaction service providing apparatus according to an embodiment of the present invention for solving the above-described problem includes: a communication unit for receiving account transfer request information from a portable terminal of a purchaser; A transfer information identification unit for identifying deposit target account information from the account transfer request information; If the deposit target account information is a seller-only account in which the business information is matched and registered in advance, a sales management service unit that performs a sales transaction processing corresponding to the business information of the seller in response to the account transfer request information.

Meanwhile, the method according to an embodiment of the present invention for solving the above-described problems may be implemented with a program for executing the method on a computer and a recording medium in which the program is recorded.

According to an embodiment of the present invention, by providing an automated sales management service for application-based Internet or online account transfer transactions, convenience for sales management of sellers and buyers is secured, and at the same time, sales report, tax invoice issuance and cash By performing receipt processing, it is possible to provide a method and apparatus for providing a transaction service that can improve transaction transparency and prevent tax evasion or fines in advance.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.
2 is a block diagram showing in more detail an apparatus for providing a transaction service according to an embodiment of the present invention.
3 is a flowchart illustrating an operation of an apparatus for providing a transaction service according to an embodiment of the present invention.
4 to 7 are diagrams illustrating a service interface according to an embodiment of the present invention.

The following content merely illustrates the principles of the present invention. Therefore, those skilled in the art can implement the principles of the present invention and invent various devices included in the concept and scope of the present invention, although not clearly described or illustrated herein. In addition, all conditional terms and examples listed in this specification are, in principle, intended to be clearly intended only for the purpose of making the concept of the present invention understood, and should be understood as not limiting to the embodiments and states specifically listed as described above. do.

In addition, it is to be understood that all detailed descriptions listing specific embodiments as well as principles, aspects and embodiments of the present invention are intended to include structural and functional equivalents of these matters. It should also be understood that these equivalents include not only currently known equivalents, but also equivalents to be developed in the future, that is, all devices invented to perform the same function regardless of structure.

Accordingly, it should be understood that all flow charts, state transition diagrams, pseudocodes, etc. may be substantially represented in a computer-readable medium and represent various processes performed by a computer or processor, regardless of whether the computer or processor is explicitly illustrated. .

The functions of the various elements shown in the figures, including a processor or functional block represented by a similar concept, may be provided by the use of dedicated hardware as well as hardware having the ability to execute software in association with appropriate software. When provided by a processor, the function 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-described objects, features, and advantages will become more apparent through the following detailed description in connection with the accompanying drawings, whereby those of ordinary skill in the technical field to which the present invention pertains can easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

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

First, terms used in the specification of the present invention are briefly defined, and then 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 digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), a navigation, etc., The present invention is not limited thereto, and may be various other 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 device 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 purchaser terminal 300 perform wireless communication through a general mobile communication network, and various messages such as Short Message Service (SMS), Multimedia Messaging Service (MMS), and e-mail messages It may include a cellular phone function for transmitting and receiving at least one of the.

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

In particular, the purchaser terminal 300 according to an embodiment of the present invention may perform internet-based account remittance for product transaction, and for transfer processing according to account remittance, the bank server 500 or the transaction service providing device ( 100) can be accessed and transfer request information can be transmitted.

In particular, according to an embodiment of the present invention, the purchaser terminal 300 photographs or scans a kit for sale, a display device, or a printout, etc., provided in a seller's store, and recognizes a code to obtain code information from the photographed or scanned information. Means may be provided. Here, the code information may include, for example, code information that is secured in a one-dimensional barcode, a two-dimensional barcode, a QR code, or other various types of information to be imaged and recognized by photographing or scanning.

And, the buyer terminal 300 outputs a remittance transaction interface for processing remittance transaction transfer from the code information to the seller account, and based on the transaction information input through the remittance transaction interface, transfer request information for remittance transaction And transmits the transfer request information to the service providing device 100 or the bank server 500

In addition, in an embodiment of the present invention, the bank server 500 may be a server that processes remittance transfer according to the transfer request information, and the transaction service providing device 100 is based on information identified from the transfer request information, and the seller terminal ( 200) or the purchaser terminal 300 may be provided with related data according to the sales management service, and the bank server 500 may be a device requesting a remittance transfer.

However, the bank server 500 and the transaction service providing device 100 may be implemented as a single server, or may be implemented as a modularized and linked system. For example, the bank server 500 is a modularized transaction service It may be implemented including all or part of the functions of the providing device 100, or the transaction service providing device 100 may be implemented including all or part of the functions of the modularized bank server 500. Accordingly, the apparatus 100 for providing a transaction service according to an embodiment of the present invention may selectively provide a sales management service linked to a transfer process, including all or part of the functions of the bank server 500.

Here, the transfer request information is remittance transfer information, and may include remittance information and recipient identification information, and the recipient identification information includes account identification information or seller identification information registered in response to the seller terminal 200. Can include. For example, the seller identification information may include ID, email, or phone number information of a seller for which business information is registered for the transaction service providing device 100.

In addition, the transfer request information may optionally further include additional transaction information required according to a specific condition during a transfer transaction through the transaction service providing device 100. Here, the additional transaction information may include at least one of remittance transaction information or cash receipt request information.

When additional transaction information is included in the transfer request information, the transfer request information may further include additional transaction flag information along with remittance transfer information.

The purchaser terminal 300 directly transmits the transfer request information to the transaction service providing device 100 to identify the additional transaction flag information in the transaction service providing device 100, and provides a sales management service of the seller corresponding to the remittance transaction. I can do it.

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

Here, the remittance transaction information includes, for example, transaction identification information indicating that the transaction according to the remittance transfer is a remittance transaction in which a product is purchased or a service is provided to the seller, item information corresponding to a product or service, transaction date and time information, and It may include at least one of information on a merchant affiliate store and information on a transaction amount.

In addition, the cash receipt application information corresponds to the remittance transaction information, as identification information of the applicant applying for the cash receipt, and may include, for example, information on the phone number of the purchaser.

Accordingly, as additional transaction information, the transaction service providing apparatus 100 in which remittance transaction information or cash receipt application information is received may provide a sales management service corresponding to the remittance transaction.

Here, the sales management service may include a database storage and management service for automating all or part of a process that a seller must perform in response to a remittance transaction.

More specifically, the sales management service may include a sales report service corresponding to a remittance transaction, a tax invoice issuance service, a cash receipt issuance service, and a book management service, and the transaction service providing device 100 includes the additional transaction information It is possible to select an appropriate service according to the remittance transaction information or cash receipt application information obtained from and to perform the automated processing necessary for providing the service.

In addition, the transaction service providing apparatus 100 may register and store in advance by receiving the operator information received from the seller terminal 200 for the sales management service. Business information includes, 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 status information, affiliate store information, bank name information, account number information, It may include at least one of account holder information.

In particular, the transaction service providing apparatus 100 may receive whether or not to apply for a transaction-only account when registering the seller terminal 200, and register in advance by receiving the business information for the transaction-only account application. And, the transaction service providing device 100 transmits the transaction-only account application request corresponding to the business information to the bank server 500, and matches the transaction-only account information issued from the bank server 500 to the seller's business information. Can be stored and managed. In addition, the transaction service providing apparatus 100 may transmit the issued transaction-only account information to the seller terminal 200.

In this case, when a transaction-only account is issued, the transaction service providing device 100 includes the receiver identification information obtained from the transfer request information from the purchaser terminal 300 to the transaction-only account of the seller in which the business information is matched and registered in advance. It can be determined whether it is matched, and the transaction service providing device 100 performs sales transaction processing corresponding to the seller's business information in response to the account transfer request information when the deposit target account information is the seller-only account. can do.

Here, the sales transaction processing may include the sales management service accompanying the transfer processing in the bank server 500. In particular, according to an embodiment of the present invention, the transaction service providing device 100 is dedicated to the seller. All deposit transaction information deposited to an account may be classified as a sales transaction corresponding to the seller's business information, and a sales management service may be provided to the seller's terminal previously registered in response to the business information.

More specifically, before performing the transfer processing of the transfer request information in the bank server 500, the transaction service providing device 100 determines whether the receiver identification information obtained from the transfer request information matches the seller-only account. May be determined first, and if it is matched to a seller-only account, it may be determined that the transfer request information is a remittance transfer request for a remittance transfer transaction.

Accordingly, when it is determined that the request for remittance transfer is determined, the transaction service providing apparatus 100 may transmit a notification message indicating that the receiver receiving money according to the transfer request information is a seller with registered business information to the purchaser terminal 300.

In this case, the transaction service providing apparatus 100 may suspend the execution of the remittance transfer transaction process and transmit a notification message to the purchaser terminal 300 so that a message indicating that the remittance transfer transaction is output before the transfer is executed. Thereafter, based on the confirmation information input from the purchaser terminal 300, the remittance transfer transaction process may be resumed.

In addition, when such confirmation information is entered as a one-time basis and a remittance transaction corresponding to the same seller-only account is generated from the purchaser terminal 300 afterwards, the transaction service providing device 100 performs the remittance transfer transaction process without suspending the execution. Can be executed immediately.

In this way, from all the transfer request information, all deposit transaction information deposited to the seller-only account information is confirmed, the transfer request information includes the remittance transaction information of the buyer, or the buyer's cash receipt application When the information is included, the transaction service providing device 100 may execute a remittance transfer transaction process, and provide a notification message by a service performed according to the execution of the process to the buyer terminal 300 or the seller terminal 200. I can.

In particular, the transaction service providing device 100 may provide a sales management service based on the information of a pre-registered business operator with the transmission of a notification message indicating that a remittance transaction is made to the buyer terminal 300, and the sales management service According to the processing of, the seller can receive an automated sales management service without a separate management input, issuance of complicated tax invoices, and issuance of cash receipts, which will be described in more detail in FIG. 2.

In addition, according to the execution of the remittance and 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 includes the sales report information, tax Income deduction processing can be performed with tax processing based on bill information or cash receipt information.

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

2, a transaction service providing apparatus 100 according to an embodiment of the present invention includes a communication unit 120, a service registration unit 130, a sales management service unit 140, a transfer information identification unit 150, and a transfer A transfer processing unit 160, an interface unit 170, a storage unit 180, and a management database 185 are included.

The controller 110 plays a role of controlling the overall operation of the transaction service providing apparatus 100.

The communication unit 120 may include one or more modules for performing communication between the transaction service providing device 100 and external devices such as the buyer terminal 300, the seller terminal 200, and the bank server 500.

Here, the communication unit 120 is a type 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, a mobile communication network such as 3G or 4G. It may include a communication module that is connected through a short-range wireless communication method such as NFC (Near Field Communication, RFID (Radio Frequency Identification), Wi-Fi, etc.).

The interface unit 170 processes the transmission and reception of user input information for providing a remittance transfer transaction service between the transaction service providing device 100 and the buyer terminal 300, or the transaction service providing device 100 and the seller terminal 200 do. The interface unit 170 generates a notification message before service processing or according to the completion of service processing 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 User input information from 200 may be received, and may be transmitted to the controller 110 or other components. To this end, the interface unit 170 may support various types of user interfaces such as web pages, application screens, and virtual reality interfaces, and it is possible to provide a management service according to message delivery 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 information in the storage unit 180.

For such registration, the service registration unit 130 may receive registration information for registering a sales management service from the seller terminal 200. Registration information may include seller identification information and business information. Here, the seller identification information may include the seller's id, e-mail 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, phone number information, It may include at least one of item information, business status information, affiliate store information, bank name information, account number information, and account holder information.

The service registration unit 130 may selectively perform a seller-only account registration process for providing a sales management service in response to the registered seller identification information and business information. When transmitting the registration information, the seller terminal 200 may include and transmit a seller-only account opening or registration request, and the service registration unit 130 may open a seller-only account based on the business information included in the registration information. The server 500 may be requested and issued, or account information included in the registration information may be registered as a seller-only account.

In addition, a plurality of the seller-only accounts may be registered, and the seller may provide identification information for each purpose corresponding to each dedicated account, for example, a plurality of dedicated accounts of one seller by the service registration unit 130 May be registered and managed by the merger.

Further, the control unit 110 may obtain the transfer request information received from the purchaser terminal 300 through the communication unit 120, and the transfer information identification unit 150 determines that the transfer request information is a remittance transfer transaction. If necessary information can be identified and it is determined that a remittance transaction is made, the control unit 110 may transmit the transfer request information to the sales management service unit 140.

Here, the transfer information identification unit 150 may first determine whether the deposit target account information included in the transfer request information is a seller-only account in which the business information is matched and registered in advance.

When it is determined that the deposit target account information is a seller-only account, the control unit 110 may transmit transfer request information including the seller-only account determination identification information to the sales management service unit 140.

In addition, the transfer information identification unit 150 may identify additional transaction information from the transfer request information. For example, when additional transaction information is included, the transfer request information may further include additional transaction flag information along with the remittance transfer information, and the transfer information identification unit 150 includes the additional transaction flag information from the transfer request information. By parsing, we can distinguish that it is a remittance transaction.

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

Meanwhile, the sales management service unit 140 may provide a sales management service based on the transfer request information, and the sales management service includes remittance transfer processing according to the transfer information determined as a remittance transfer transaction, and the seller information. It may include a sales management service based on corresponding registered business information, and a service according to each process operation according to data transmission/reception processing to the IRS server 400.

First, the sales management service unit 140 may perform a sales management process by classifying all deposit transaction information deposited into the seller-only account transferred from the control unit 110 into sales transactions corresponding to the seller's business information. , It is possible to provide a service result according to the sales management service to the terminal of the seller registered in advance in response to the operator information.

In addition, the sales management service unit 140 may operate a separate management database 185 for each seller's sales management service according to the sales management process, and the management database 185 is a separate It may be a database server or a cloud server, and may include a personalized database with a security system different from that of the storage unit 180.

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

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

For example, in response to a sales transaction, the sales management service unit 140 provides a tax invoice interface including the supplier's business registration number, name, business name, value-added tax amount, and creation date from the previously registered business information. A request for issuing a tax invoice to the IRS server 400 may be processed by receiving necessary information such as a business registration number of a corresponding supplier from the seller terminal 200.

In addition, when the seller terminal 200 additionally inputs unit price, quantity, transaction type information, etc. corresponding to each sales transaction, the sales management service unit 140 stores and manages the corresponding tax invoice issuance processing and detail information. By doing so, it is possible to use the sales management service more efficiently.

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

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

In addition, when the transfer request information includes the cash receipt request information, the sales management service unit 140 may perform a cash receipt issuance process corresponding to the seller's business information based on the cash receipt request information. , Issuance request information accordingly may be transmitted to the IRS server 400, and when the information is received as a result, a completion message may be provided to the seller terminal 200 and the purchaser terminal 300.

On the other hand, when the transfer information identification unit 150 determines whether the transfer target account information is not the seller-only account, it determines whether the remittance transaction information is included in the account transfer request information, and transfers it to the sales management service unit 140 In providing the request information, the remittance transaction information may include at least one of target information, target product information, and target service information corresponding to the remittance transaction.

Accordingly, the remittance and transfer processing unit 160 processes a remittance transfer to a seller-only account, or account transfer request information including the remittance transaction information in response to the sales management service performed by the sales management service unit 140 Transfer processing can be performed.

The remittance transfer processing unit 160 performs a transfer process according to the remittance transfer information requested through the bank server 500 and may provide transfer details 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 on a periodic request.

In addition, the sales management service unit 140 may provide a sales transaction management service according to the transfer process to the seller terminal 200 identified by pre-registration in response to the remittance transaction information included in the additional transaction information. . Here, the sales management service may be an example in which the remittance transaction information is used in the aforementioned management service, and the sales management service unit 140 corresponds to transaction identification information included in the remittance transaction information and a product or service. By using at least one of the item information, transaction date and time information, seller affiliated store information, and transaction amount information, the above-described tax invoice is issued, sales report, or cash receipt is issued if necessary, and additional necessary information can be provided. It can be obtained by requesting from the seller terminal 200.

On the other hand, even if the deposit target account information is not the seller-only account, and the additional transaction information does not include remittance transaction information corresponding to the seller terminal 200 or the request information for issuing a cash receipt, sales management service according to the seller's settings The unit 140 may provide a receiving interface corresponding to the account transfer request information to the seller terminal 200 through the interface unit 170.

Here, the receiving interface may be provided in response to a request for setting the seller terminal 200 regardless of whether the seller-only account setting or additional transaction information is included. However, for the efficiency of transaction service processing, the transaction service providing device 100 first determines whether the seller-only account or additional transaction information is included, and if all are not applicable, the sales management service unit checks the receiving interface setting information. It is possible to determine whether or not to execute the process of (140), and if all are not applicable, it is possible to perform a normal non-sales account transfer process irrelevant to sales.

For example, the receipt interface may be output through the seller terminal 200, and the sales management service unit 140 uses the collection transaction information input through the receipt interface, and processes the transfer according to the collection transaction information. It can provide sales transaction management service according to.

In addition, the control unit 110 allows the remittance processing unit 160 to perform the transfer process for the account transfer request information only when such collection transaction information is input, so that the case where the remittance transfer, not the remittance transaction, is incorrectly performed. Can be prevented.

In addition, the service registration unit 130 may store and manage collection information previously registered from the seller terminal 200 in response to the collection transaction information, and the interface unit 170 includes the registered collection transaction information. By providing a receiving interface to the seller terminal 200, the remittance transaction can be processed quickly and easily, and user convenience can be improved.

On the other hand, when collection transaction information is input, the sales management service unit 140 may perform a tax invoice issuance process corresponding to the collection transaction information according to the transfer processing for the account transfer request information, which is described above. As described above, the process of collecting and processing related information and requesting issuance to the IRS server 400 may be included.

In addition, when collection transaction information is input while cash receipt information is included in the transfer request information, the sales management service unit 140 performs a collection transaction input to the receiving interface according to the transfer process for the account transfer request information. At least one of a tax invoice issuance process, a sales report process, or a cash receipt issue process can be performed using the information, including the process of collecting additional relevant necessary information and the issuance request process to the IRS server 400 as described above. can do.

3 is a flowchart illustrating the operation of the transaction service providing apparatus 100 according to an embodiment of the present invention.

Referring to FIG. 3, the apparatus 100 for providing a transaction service according to an embodiment of the present invention registers a seller terminal 200 and business information corresponding to the seller through the service registration unit 130 (S101).

Then, the transaction service providing apparatus 100 receives transfer request information from the purchaser terminal 300 or the bank server 500 through the communication unit 120 (S103).

Then, the transaction service providing device 100 first determines whether the deposit account information is a seller-only account registered in the service registration unit 130 through the transfer information identification unit 150 (S105), and not a seller-only account. In this case, it is determined whether additional transaction information is included (S107), and even if the additional transaction information is not included, it is determined whether there is a reception interface setting of the seller terminal 200 preset through the interface unit 170 (S109). .

First, when it is identified as a seller-only account, the transaction service providing device 100 may transmit a remittance transfer transaction confirmation request to the purchaser terminal 300, and selectively transmit necessary information to the purchaser terminal 300 or the seller terminal 200. It can be collected (S111).

Here, the optional necessary information may be requested only when it is necessary for sales management, and when it is registered in advance or included in a transfer transaction request, the request and collection may be omitted. For example, the optional necessary information includes at least one of the buyer's business registration information requested to the buyer terminal 300, the buyer's request for issuance of a cash receipt, or the item information, quantity information, and unit price information requested to the seller terminal 200. Can include.

In addition, the transaction service providing apparatus 100 may execute a sales management service process based on the transfer request information and the business operator information through the sales management service unit 140 (S113).

On the other hand, if the account is not exclusively for sellers, but additional transaction information is included, the transaction service providing device 100 responds to the additional transaction information (for example, remittance transaction information, cash receipt application information, etc.) in advance to the service registration unit 130. It is possible to acquire business information corresponding to the registered seller (S115), and execute a sales management service process based on the acquired additional transaction information and business information through the sales management service unit 140 (S117).

On the other hand, although the deposit target account information is not the seller-only account, and the additional transaction information does not include remittance transaction information corresponding to the seller terminal 200 or information on requesting for issuance of a cash receipt, the seller terminal ( If there is a receiving interface setting in 200), the sales management service unit 140 may provide a receiving interface corresponding to the account transfer request information to the seller terminal 200 through the interface unit 170, and sales The management service unit 140 may obtain collection transaction information from the receipt interface input (S119), and execute a sales management service process based on the collection transaction information (S121).

As described above, the receiving interface may be provided according to a request for setting the seller terminal 200 regardless of whether a seller-only account setting or additional transaction information is included. However, for the efficiency of transaction service processing, the transaction service providing device 100 first determines whether the seller-only account or additional transaction information is included, and if all are not applicable, the sales management service unit checks the receiving interface setting information. Whether or not to execute the process of 140 may be determined, and if all are not applicable, a normal non-sales account transfer process irrelevant to sales may be performed (S121).

On the other hand, when the sales management service process is executed, the sales management service unit 140 connects to the IRS server according to the sales management service process and transmits necessary data (S123), and according to the execution and transfer of the sales service, the seller terminal 200 ) To transmit the sales management report information (S125), and to transmit the transaction completion information to the buyer terminal 300.

4 to 7 are diagrams illustrating a service interface according to an embodiment of the present invention.

First, FIGS. 4 to 5 show a service interface provided to the purchaser terminal 300 according to an embodiment of the present invention, and the service interface through the interface unit 170 of the transaction service providing device 100 300) and a user input corresponding thereto may be input from the purchaser terminal 300 to the transaction service providing device 100.

4 shows a service interface through which a purchaser can input additional transaction information when requesting a transfer. Referring to FIG. 4, the purchaser terminal 300 may include remittance transaction information or cash receipt request information in the transfer request information, and accordingly, an additional transaction information flag may be further included in the transfer request information.

In addition, FIG. 5 shows that a notification and reconfirmation message is transmitted to the purchaser terminal 300 when it is identified as a dedicated account of the seller when the purchaser terminal 300 requests a normal transfer.

Referring to FIG. 5, when the deposit account information included in the transfer transaction request is confirmed as an account previously registered by the seller, the transaction service providing device 100 is a message indicating that the transfer is a remittance transaction to the account of the seller X. In addition, a service interface that enables the transaction information to be processed by the sales management service unit 140 to be output together is provided to the purchaser terminal 300, and corresponding business registration information, cash receipt application information, etc. through the service interface It is possible to receive the necessary information of, or to receive a reconfirmation input.

Meanwhile, FIG. 6 shows another receiving interface according to an embodiment of the present invention, and the seller terminal 200 may receive a notification about a collection transfer transaction according to a separate receiving interface setting, and receive through the receiving interface. You can enter collection transaction information for normal transaction processing or sales management service corresponding to the collected collection transfer transaction. In addition, as shown in FIG. 6, the seller terminal 200 enables the setting of the receiving interface regardless of whether or not an account is registered as a seller, thereby enabling the rejection of receipt, thereby making a sales transaction from the sender. In the case of an incorrect request for remittance transfer, it can additionally be prevented. For example, when there is a request for rejection of receipt from the seller terminal 200, the remittance transfer processing unit 160 may perform a transfer rejection process for a corresponding transaction and transmit a notification message to the purchaser terminal 300.

On the other hand, Figure 7 shows a sales management service interface according to an embodiment of the present invention, the sales management service interface according to the embodiment of the present invention is the seller terminal 200 according to the information provided through the interface unit 170 It may be output, and may include account transaction details information corresponding to the remittance transaction and service processing details information of the sales management service unit 140 corresponding thereto.

As shown in FIG. 7, the sales management service unit 140 may output tax invoice issuance, sales report processing or cash receipt issuance information corresponding to each remittance transaction through the interface, and the corresponding sales status or Management details such as sales statistics can be output together. In addition, the sales management service unit 140 may provide unprocessed details due to omission of necessary information, and additionally provide an input interface for receiving and processing necessary information from the seller terminal 200 to the seller terminal 200. Can provide. To this end, the seller may select the management menu and input necessary information, or select other payment method information to check sales information corresponding to other payment methods.

Meanwhile, the above-described method according to various embodiments of the present invention is implemented in the form of installation data to be executed on a terminal device and stored in various non-transitory computer readable mediums in each server or device. Can be provided. Accordingly, each of the terminals 200 and 300 may access the server or device and download the installation data.

The non-transitory readable medium refers to a medium that stores data semi-permanently and can be read by a device, not a medium that stores data for a short moment, such as a register, cache, or memory. Specifically, the above-described various applications or programs may be provided by being stored in a non-transitory readable medium such as a CD, DVD, hard disk, Blu-ray disk, USB, memory card, and ROM.

In addition, although the preferred embodiments of the present invention have been illustrated 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 are possible by those of ordinary skill in the art, and these modifications should not be individually understood from the technical spirit or prospect of the present invention.

Claims (21)

In the transaction service provision method of the transaction service provision device,
Receiving account transfer request information from the purchaser's portable terminal;
Identifying account information to be deposited from the account transfer request information;
If the deposit target account information is a seller-only account in which the business information is matched and registered in advance, it indicates that the transfer according to the account transfer request information is a remittance transaction to the seller account, and the transaction to be processed by the sales management service for the seller Providing a service interface through which information is output to the purchaser's portable terminal; And
Based on the necessary information input through the service interface and the account transfer request information, performing a sales transaction processing of the account transfer request information corresponding to the seller's business information.
How to provide transaction services. The method of claim 1,
The step of performing the sales transaction processing,
Classifying all deposit transaction information deposited to the seller-only account as a sales transaction corresponding to the seller's business information, and providing a sales management service to the seller's terminal previously registered in response to the business information.
How to provide transaction services. The method of claim 2,
The step of providing the sales management service,
Receiving taxation necessary information corresponding to the deposit transaction information from the seller terminal; And
Comprising the step of processing a request for issuing a tax invoice to the IRS server according to the required taxation information
How to provide transaction services. The method of claim 2,
The step of providing the sales management service,
Comprising the step of classifying all deposit transaction information deposited to the seller-only account as a sales transaction corresponding to the seller's business information, and performing a sales report processing to the IRS server
How to provide transaction services. The method of claim 2,
The step of providing the sales management service,
If the cash receipt request information is included in the account transfer request information, further comprising the step of performing a cash receipt issuance processing corresponding to the business information of the seller
How to provide transaction services. The method of claim 1,
If the deposit target account information is not the seller-only account, further comprising determining whether remittance transaction information is included in the account transfer request information
How to provide transaction services. The method of claim 6,
The remittance transaction information includes at least one of purpose information, target product information, or target service information corresponding to the remittance transaction.
How to provide transaction services. The method of claim 6,
Performing a transfer process of the account transfer request information including the transfer transaction information; And
Further comprising the step of providing a sales transaction management service according to the transfer processing to a seller terminal identified in response to the remittance transaction information
How to provide transaction services. The method of claim 1,
Providing a receiving interface corresponding to the account transfer request information to a seller terminal when the deposit target account information is not the seller-only account;
When the collection transaction information corresponding to the receiving interface is input, performing a transfer process for the account transfer request information; And
According to the collection transaction information, further comprising the step of providing a sales transaction management service according to the transfer processing
How to provide transaction services. The method of claim 9,
Providing the sales transaction management service,
In accordance with the transfer process for the account transfer request information, further comprising: performing a tax invoice issuance process corresponding to the collection transaction information
How to provide transaction services. The method of claim 1,
If the above account transfer request information includes information on applying for a cash receipt,
In accordance with the transfer processing corresponding to the account transfer request information, performing a cash receipt processing corresponding to the account transfer request information of the buyer by using the business information obtained from the seller information corresponding to the receiver doing
How to provide transaction services. In the transaction service providing device,
A communication unit for receiving account transfer request information from the purchaser's portable terminal;
A transfer information identification unit for identifying deposit target account information from the account transfer request information;
If the deposit target account information is a seller-only account in which the business information is matched and registered in advance, it indicates that the transfer according to the account transfer request information is a remittance transaction to the seller account, and the transaction to be processed by the sales management service for the seller Provides a service interface in which information is output to the portable terminal of the purchaser, and based on the necessary information input through the service interface and the account transfer request information, sales transaction of the account transfer request information corresponding to the business information of the seller Including a sales management service unit to perform processing
Device for providing transaction services. The method of claim 12,
The sales management service unit,
Classifying all deposit transaction information deposited to the seller-only account as a sales transaction corresponding to the seller's business information, and providing a sales management service to the seller's terminal previously registered in response to the business information.
Device for providing transaction services. The method of claim 13,
The sales management service unit,
Receiving taxation necessary information corresponding to all deposit transaction information deposited to the seller-only account from the seller terminal through the communication unit, and processing a request for issuance of a tax invoice to the IRS server according to the taxation necessary information.
Device for providing transaction services. The method of claim 13,
The sales management service unit,
The IRS server performs sales report processing for all deposit transaction information deposited to the seller-only account.
Device for providing transaction services. The method of claim 13,
The step of providing the sales management service,
When the cash receipt request information is included in the account transfer request information, the process of issuing a cash receipt corresponding to the seller's business information
Device for providing transaction services. The method of claim 12,
The sales management service unit
When the deposit target account information is not the seller-only account, determining whether remittance transaction information is included in the account transfer request information
Device for providing transaction services. The method of claim 17,
The remittance transaction information includes at least one of purpose information, target product information, or target service information corresponding to the remittance transaction.
Device for providing transaction services. The method of claim 17,
The sales management service unit
Transfer processing of the account transfer request information including the transfer transaction information,
Providing a sales transaction management service according to the transfer processing to a seller terminal identified in response to the remittance transaction information
Device for providing transaction services. The method of claim 12,
The sales management service unit provides a receiving interface corresponding to the account transfer request information to the seller terminal when the deposit target account information is not the seller-only account,
When the collection transaction information corresponding to the receiving interface is input, the transfer information processing unit performs a transfer process for the account transfer request information,
The sales management service unit provides a sales transaction management service according to the transfer processing according to the collection transaction information.
Device for providing transaction services. The method of claim 20,
The sales transaction management service unit,
In response to the transfer process for the account transfer request information, at least one of a tax invoice issuance process, a sales report process, or a cash receipt issuance process using the collection transaction information input in the receiving interface is performed.
Device for providing transaction services.

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