Method and system for supporting integrated settlement of expenses for overseas assignee

Abstract

The present invention relates to a method for supporting the integrated settlement of expenses for an overseas assignee, wherein, at predetermined intervals, a dispatch support service fee including an accumulated cost of products purchased by an overseas assignee through a dispatch support platform during a corresponding period is billed to a terminal of a company to which the overseas assignee belongs, and a settlement support server pays, on behalf of the overseas assignee or the company, product amounts to sellers who have provided the services, such that the company is only required to settle the accumulated expenses once per interval without having to individually respond to multiple expense claims incurred in various forms over different periods during overseas assignment of the overseas assignee, thereby enabling overseas dispatch operations to be carried out conveniently and smoothly.

Description

Method and system supporting integrated settlement of necessary expenses for overseas expatriates

[0001] This relates to a method and system that supports companies in consolidating and settling the necessary expenses of expatriate employees dispatched overseas.

[0002] The dispatch of expatriates has become an essential element for many companies conducting global business. However, the settlement of necessary expenses incurred in connection with expatriate assignments poses a significant burden on these businesses. Traditionally, companies have adopted a method of settling expatriate expenses individually. Expatriates would submit overseas expenses along with receipts, and the company would review them one by one before making a payment. This method requires a significant amount of time and manpower for expense processing, and the complexity is compounded, particularly for large corporations managing a large number of expatriates.

[0003] Furthermore, situations where expatriates generate various forms of expenses in different countries entail the challenge of complying with each nation's tax and accounting regulations. For instance, if issues regarding national tax regulations or currency differences are not taken into account, companies may face unnecessary tax burdens or experience disruptions to expatriates' work due to delays in expense processing. Moreover, due to the nature of expenses incurred overseas, expatriates often find it difficult to process them immediately, which can lead to unnecessary conflicts between the company and the expatriate.

[0004] The problems associated with such traditional settlement methods lead to decreased corporate efficiency and increased costs, a issue that becomes particularly severe for large corporations with a significant number of expatriates. Delays in the accounting department's processing of settlement requests, the potential for errors during document review and approval, and the inefficiency of manually handling expenses for expatriates across multiple countries place a heavy burden on corporate operations. Ultimately, these issues reduce the focus of expatriates and have a negative impact on the company's overall overseas operations.

[0005] Furthermore, in a structure where the company reimburses expatriates for expenses incurred on a deferred basis, difficulties in managing the company's cash flow may arise. If the settlement of expenses is delayed, expatriates may be forced to use their personal funds first, which can act as a factor that lowers their work efficiency and morale. In addition, since the company must go through the cumbersome process of individually reviewing and approving expense invoices submitted by expatriates, transparency and accuracy in the settlement process may be compromised, and there is a risk of unnecessary disputes arising as a result.

[0006] These issues pose a serious concern, particularly for large corporations operating in the global market, and there has been an urgent need for efficient and systematic cost settlement methods.

[0007] The purpose of this invention is to provide an integrated settlement support method and system that enables efficient and rapid business operations by allowing companies dispatching expatriates to settle the necessary expenses of expatriates more conveniently. The objectives of this invention are not limited to those mentioned above, and other unmentioned objectives will be clearly understood by those skilled in the art from the description below.

[0008] An integrated settlement support method according to one aspect of the present invention is an integrated settlement support method performed by a settlement support server providing a dispatch support service, comprising the steps of: providing a dispatch support platform in which a plurality of products available to the expatriate are registered to an expatriate terminal; receiving a purchase request for at least one product registered on the platform from the expatriate terminal; transmitting the purchase request for at least one product selected by the expatriate to a seller providing each product; and, at a predetermined period, billing a dispatch support service fee, including the cumulative amount of products purchased by the expatriate through the dispatch support platform during the period, to the terminal of the company to which the expatriate belongs.

[0009] The above dispatch support service fee includes the cumulative amount of the above product and a service fee for the use of the above dispatch support service, and the above service fee may be determined based on the creditworthiness of the above company.

[0010] The method further includes a step of evaluating the creditworthiness of the said company on a regular or irregular basis, and the creditworthiness may be determined based on at least one of the risk level of the country of dispatch to which the said expatriate is dispatched, the scale of the overseas expatriate workforce, and whether the authenticity of the overseas dispatch regulations has been verified.

[0011] The above service fee increases in proportion to the cumulative amount of the above product, and the fee rate of the above service fee may increase as the period during which the above company uses the above dispatch support service increases.

[0012] The authenticity of the above-mentioned overseas dispatch regulations can be verified first by the company submitting the overseas dispatch regulations, second by the company's expatriate submitting the overseas dispatch regulations, third by the expatriate purchasing services through the platform, and fourth by the repeated purchase of services by the expatriate.

[0013] The above creditworthiness may be determined based on at least one of the total amount of products purchased by the expatriate through the platform, the number of countries where the expatriate can use the dispatch support service, the frequency of use, the period of use, the number of users, the amount of overdue payments, and the seller dispute records.

[0014] Prior to the step of providing the above platform to an expatriate terminal, the method further includes the step of receiving a membership request from the company from the corporate terminal; and the step of determining whether to approve the membership based on at least one of the company's market position and the company's creditworthiness, wherein the company's creditworthiness may be evaluated based on overseas business information.

[0015] A system for supporting the integrated settlement of necessary expenses for overseas expatriates according to another aspect of the present invention comprises a settlement support server including a memory storing a program that provides a method for supporting the integrated settlement of necessary expenses for overseas expatriates, and a processor that executes the program stored in the memory to provide a method for supporting the integrated settlement; provides a dispatch support platform registered with a plurality of products available to the expatriate to an expatriate terminal; receives a purchase request for at least one product registered on the platform from the expatriate terminal; transmits the purchase request for at least one product selected by the expatriate to a seller providing each product; and at a predetermined period, charges a dispatch support service fee to the terminal of the company to which the expatriate belongs, including the cumulative amount of products purchased by the expatriate through the dispatch support platform during the corresponding period.

[0016] At predetermined intervals, the dispatch support service fee, which includes the cumulative amount of goods purchased by the expatriate through the dispatch support platform during the corresponding period, is billed to the terminal of the company to which the expatriate belongs. Since the settlement support server pays the amount of goods to the seller who provided the service on behalf of the expatriate or the company, the company only needs to settle the accumulated costs once at each period, without having to respond every time to bills for necessary expenses that occur in various ways over different periods during the expatriate's overseas dispatch. This allows overseas dispatch operations to proceed very conveniently and smoothly, and increases work efficiency by enabling the simultaneous processing of additional costs, such as complex taxes that vary by country of dispatch. Furthermore, since the expatriate does not have to go through the cumbersome expense application procedure every time to bill the company for expenses incurred, they can allocate more time to their work, thereby increasing work efficiency. The effects of the present invention are not limited to those mentioned above, and other unmentioned effects will be clearly understood by those skilled in the art from the description in the claims.

[0017] FIG. 1 is a configuration diagram of an integrated settlement support system according to an embodiment of the present invention.

[0018] FIG. 2 is a configuration diagram of a settlement support server according to an embodiment of the present invention.

[0019] FIG. 3 is a diagram illustrating an example of a platform provided by a settlement support server according to the present embodiment.

[0020] FIG. 4 is a flowchart of an integrated settlement support method according to an embodiment of the present invention.

[0021] FIG. 5 is a flowchart of an integrated settlement support method according to an embodiment of the present invention.

[0022] FIG. 6 is a diagram illustrating the verification of data authenticity of an integrated settlement support system according to an embodiment of the present invention.

[0023] FIG. 7 is a diagram illustrating an example of period-based fees of an integrated settlement support system according to an embodiment of the present invention.

[0024] FIG. 8 is a flowchart of an integrated settlement support method according to another embodiment of the present invention.

[0025] The present invention is not limited to the embodiments described below but can be implemented in various different forms. These embodiments are merely illustrative of the content of the invention and are provided to inform those skilled in the art of the scope of the invention in detail. The present invention is defined only by the scope of the claims. Throughout the specification, the same reference numerals refer to the same components.

[0026] The embodiments described herein will be described with reference to cross-sectional and / or plan views, which are exemplary illustrations of the invention. In the drawings, the illustrated regions are depicted for the effective description of the technical content. Accordingly, the regions illustrated in the drawings are schematic in nature, and the shapes of the regions illustrated in the drawings are intended to illustrate specific forms of the device regions and are not intended to limit the scope of the invention. Although terms such as first, second, third, etc., have been used to describe various components in the various embodiments of this specification, these components should not be limited by such terms. These terms are used merely to distinguish one component from another. The embodiments described and illustrated herein also include their complementary embodiments.

[0027] The terms used herein are for describing embodiments and are not intended to limit the invention. In this specification, the singular form includes the plural form unless specifically stated otherwise in the text. As used herein, "comprises" and / or "comprising" do not exclude the presence or addition of one or more other components, steps, actions, and / or elements to the mentioned components, steps, actions, and / or elements.

[0028] Unless otherwise defined, all terms used in this specification (including technical and scientific terms) may be used in a meaning that is commonly understood by those skilled in the art to which the present invention pertains. Additionally, terms defined in commonly used dictionaries are not to be interpreted ideally or excessively unless explicitly and specifically defined otherwise.

[0029] The embodiments of the present invention described below relate to a method and a system for supporting the integrated settlement of necessary expenses for overseas expatriates. Hereinafter, the method for supporting the integrated settlement of necessary expenses for overseas expatriates may be briefly referred to as the “integrated settlement support method,” and the system for supporting the integrated settlement of necessary expenses for overseas expatriates may be briefly referred to as the “integrated settlement support system.” Hereinafter, the concept of the present invention and embodiments according thereto will be described in detail with reference to the drawings.

[0030] The integrated settlement support system (1) according to the present embodiment supports the company in managing overseas dispatched personnel more easily by consolidating and billing the company for the costs of goods purchased by an expatriate dispatched overseas in connection with the overseas dispatch at predetermined intervals, and by paying the cost of goods purchased by the expatriate to the seller on behalf of the expatriate or the company. In the embodiment of the present invention, an expatriate refers to an employee dispatched by a company to an overseas branch or office. Although an expatriate has been described as an example for the convenience of explanation, it will be easily understood by a person skilled in the art that the integrated settlement support system (1) according to the present embodiment can be used to settle expenses incurred by a company not only by an employee dispatched overseas but also by an employee working domestically.

[0031] FIG. 1 is a drawing illustrating an integrated settlement support system (1) according to an embodiment of the present invention. Referring to FIG. 1, the integrated settlement support system (1) according to the present embodiment is composed of a settlement support server (10), a corporate terminal (20), an expatriate terminal (30), and a seller terminal (40).

[0032] The settlement support server (10) provides a dispatch support platform to the expatriate terminal (30) that allows shopping for products available for dispatch work, transmits a purchase request for a product selected by the expatriate to a seller so that the product is provided to the expatriate, and charges the company terminal (20) for the accumulated product price and service fee during the period at regular intervals. Referring to FIG. 2, which shows the configuration diagram of the settlement support server (10) according to an embodiment of the present invention, the settlement support server (10) is composed of a processor (11), memory (12), a network unit (13), and a database (14).

[0033] The processor (11) is a type of central processing unit that controls the entire process of supporting the integrated settlement of necessary expenses for overseas expatriates. Each step performed by the processor (11) according to this embodiment will be described later with reference to FIGS. 4 and FIGS. 5.

[0034] Here, the processor (11) may include any type of device capable of processing data, such as a processor. Here, 'processor' may refer to a data processing device embedded in hardware having a physically structured circuit to perform a function expressed, for example, by code or instructions included in a program. Examples of such data processing devices embedded in hardware may include microprocessors, central processing units (CPUs), processor cores, multiprocessors, application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc., but the scope of the present invention is not limited thereto.

[0035] The memory (12) can store a program for the stage of the processor (11) and can also temporarily or permanently store input / output data.

[0036] The network unit (13) may include a wired / wireless internet module for network access. The network unit (13) may perform communication with at least one of the nodes included in a blockchain or non-blockchain network. Wireless internet technologies such as WLAN (Wireless LAN) (Wi-Fi), Wibro (Wireless broadband), WiMAX (World Interoperability for Microwave Access), and HSDPA (High Speed ​​Downlink Packet Access) may be used. Wired internet technologies such as XDSL (Digital Subscriber Line), FTTH (Fibers to the home), and PLC (Power Line Communication) may be used.

[0037] The database (14) stores information of users (or companies) of the corporate terminal (20), expatriate terminal (30), and seller terminal (40) as members, and can receive and store goods and services that can be provided by multiple companies, as well as price information therefor. In addition, the database (14) stores regulations on the dispatch of overseas expatriates received from the corporate terminal (20), and can update and store them when new regulations are received.

[0038] The aforementioned components are exemplary and the scope of the present invention is not limited to the aforementioned components. That is, depending on the implementation mode of the embodiments of the present invention, additional components may be included or some of the aforementioned components may be omitted.

[0039] The corporate terminal (20) is a terminal of a company that employs a resident employee, and the company can use the payment advance and post-payment integrated payment service provided by the settlement support server (10) by subscribing to the dispatch support service provided by the settlement support server (10) through the corporate terminal (20).

[0040] The expatriate terminal (30) is a terminal for an expatriate, and the expatriate can purchase various services and items registered on the dispatch support platform provided by the settlement support server (10) by subscribing to the dispatch support service provided by the settlement support server (10) through the expatriate terminal (30).

[0041] The seller terminal (40) is a terminal of a seller that registers products on the dispatch support platform provided by the settlement support server (10) and sells them to expatriates.

[0042] In this embodiment, the settlement support server (10), the corporate terminal (20), the expatriate terminal (30), and the seller terminal (40) are connected to each other so as to be able to communicate through a communication network. At this time, the communication network can be configured regardless of the mode of communication, such as wired or wireless, and can be implemented in various forms to enable communication between servers and between servers and between terminals. Additionally, the corporate terminal (20), the expatriate terminal (30), and the seller terminal (40) may be one of various devices capable of communicating with the settlement support server (10), such as a smartphone, tablet, laptop, or desktop computer.

[0043] Additionally, although omitted for convenience of explanation in this embodiment, the resident may refer to the resident terminal (30), the company to the company terminal (20), and the seller to the seller terminal (40).

[0044] FIGS. 4 and FIGS. 5 are flowcharts of an integrated settlement support method according to the present embodiment. FIG. 4 is a flowchart of operations when a company and an expatriate request membership in the dispatch support service, and FIG. 5 is a flowchart of operations when the company and an expatriate use the dispatch support service after membership registration is completed.

[0045] First, referring to FIG. 4, in step 401, the settlement support server (10) receives a request from a corporate terminal (20) to sign up for a corporate member of the dispatch support service provided by the settlement support server (10). The dispatch support service supports a post-payment service for companies so that necessary expenses for expatriates dispatched overseas can be consolidated and settled in bulk at regular intervals, and provides a dispatch support platform for expatriates so that they can conveniently purchase necessary goods and services related to overseas dispatch work and life.

[0046] According to the present embodiment, the settlement support server (10) receives the overseas expatriate dispatch regulations from a corporate terminal (20) requesting membership in the dispatch support service and stores them in the database (14). According to the present embodiment, the overseas expatriate dispatch regulations received from the corporate terminal (20) are standardized data regarding the budget data of overseas expatriates, and include the number of expatriates dispatched per year and budget information allocated to each expatriate.

[0047] In step 402, the settlement support server (10) determines whether to approve the membership request based on at least one of the creditworthiness of the company requesting membership and the market position of the company. In this embodiment, the settlement support server (10) determines the current creditworthiness of the company based on at least one of the company information and overseas business information of the company requesting membership. The company information includes financial information such as the company's stability, profitability, activity, and productivity, and non-financial information such as the company's size, reliability of financial statements, and business viability. The overseas business information includes the risk level of the country to which the expatriate is dispatched and the scale of the expatriate.

[0048] Here, the risk level of the dispatch country represents the level of risk of a country requiring caution for residence, stay, and visit, and can be classified into stages according to the risk level. In this embodiment, the settlement support server (10) collects travel risk information for each country classified into stages from the Ministry of Foreign Affairs of the Republic of Korea website and can determine the risk level of the dispatch country based on the collected risk travel information for each country. The settlement support server (10) can evaluate the creditworthiness of the company as higher as the risk level of the dispatch country is lower, and evaluate the creditworthiness of the company as lower as the risk level of the country is higher. This is because the safety of the dispatch country has a significant impact on the success, failure, and survival of the company's overseas business, so the risk level of the dispatch country is evaluated to reduce the risk of receivable recovery.

[0049] Meanwhile, the scale of overseas dispatchers is the number of resident employees dispatched by a company overseas, and the more resident employees there are, the more the company can be seen as pouring its capabilities into overseas business, and since this is related to the possibility of the company operating overseas business for a long time, the settlement support server (10) can evaluate the company's creditworthiness as the scale of overseas dispatchers increases.

[0050] In one embodiment of the present invention, if the credit rating of a company requesting membership is lower than a predetermined threshold grade, such as grade D, the settlement support server (10) notifies the company terminal (20) that membership is not possible, and if the credit rating is higher than the threshold grade, the company's membership request can be approved.

[0051] The settlement support server (10) according to the present embodiment evaluates the creditworthiness of a company using an alternative credit evaluation model that includes overseas business information, rather than a general corporate credit evaluation model. This is because existing credit evaluation models cannot sufficiently reflect information related to overseas business and overseas dispatch of companies that send expatriates overseas.

[0052] In another embodiment of the present invention, the settlement support server (10) may determine whether to approve a company's membership based on the company's market status without separately evaluating the company's creditworthiness at this stage. The settlement support server (10) may evaluate the company's market status as high and approve the company's membership request if the company is a listed company, a large company, an affiliate of a large company, or registered on the stock market; conversely, if the company is not a listed company, a large company, an affiliate of a large company, or registered on the stock market, the settlement support server (10) may evaluate the company's market status as low and reject the company's membership request. In this case, the creditworthiness evaluation of the company by the settlement support server (10) may be evaluated at the time of determining the service fee rate and used to determine the service fee rate.

[0053] In another embodiment of the present invention, the settlement support server (10) may approve a company's membership request only when the company's credit rating is above a threshold grade and the company's market position meets certain requirements. In this way, conditions are added to the company's membership because it is necessary to minimize receivable risk due to the nature of the dispatch support service that supports post-payment settlement.

[0054] In step 403, the settlement support server (10) determines the company's integrated settlement limit when the company's membership request is approved in step 402. The integrated settlement limit is the maximum amount of post-payment credit payments that the company can make through the dispatch support service for one year. For example, if the integrated settlement limit is determined to be 2 billion won, the company can make post-payment payments of up to 2 billion won for one year through the dispatch support service provided by the settlement support server (10). In other words, the total amount of goods and services that all expatriates belonging to the company can purchase through the dispatch support platform for one year is 2 billion won.

[0055] In this embodiment, the settlement support server (10) can determine the company's integrated settlement limit based on the overseas expatriate dispatch regulations received in step 401. For example, the settlement support server (10) can determine the company's integrated settlement limit amount by multiplying the number of expatriates dispatched annually included in the overseas expatriate dispatch regulations by the budget allocated to each expatriate. For example, if 20 expatriates are dispatched annually according to the company's overseas expatriate dispatch regulations and a budget of 100 million won is allocated to each expatriate annually, the company's integrated settlement limit can be 2 billion won.

[0056] In this embodiment, the credit rating of the company determined in step 402 and the integrated settlement limit of the company determined in step 403 may change as the company and its expatriate continue to use the dispatch support service, and the changes to the credit rating of the company and the integrated settlement limit will be explained in detail later.

[0057] In step 404, the settlement support server (10) receives a membership request from an expatriate affiliated with a company whose membership was approved in step 402. That is, in this embodiment, the expatriate can request membership after the expatriate's employer company has already signed up for the dispatch support service. In this step, the settlement support server (10) may request various materials to verify that the expatriate who requested membership is an employee working for a company that has signed up for the dispatch support service.

[0058] For example, the settlement support server (10) may request at least one of the company’s overseas expatriate dispatch regulations, the identification card of the expatriate requesting to join, and the official letter of appointment of the expatriate from the expatriate. In another embodiment, the settlement support server (10) may transmit a QR code or link, etc., generated for each company to the company whose membership request was approved in step 402, so that the expatriate belonging to the company receives the QR code or link from the company and registers through it. When the settlement support server (10) confirms that the expatriate belongs to a company that has joined the dispatch support service, it approves the expatriate’s membership request.

[0059] Below, with reference to Fig. 5, we will examine the operations after the company and the expatriate have signed up for the dispatch support service.

[0060] In step 501, the settlement support server (10) provides a dispatch support platform for the expatriate terminal (30). In this embodiment, the dispatch support platform is a platform where an expatriate can shop for various products available for purchase through the dispatch support service. An expatriate can use the platform by running a platform application or accessing a website using the expatriate terminal (30). In an embodiment of the present invention, the term "product" may include both intangible services and tangible products provided by a seller.

[0061] Referring to FIG. 3, which illustrates a screen of the dispatch support platform according to the present embodiment, the dispatch support platform has various products necessary for an expatriate dispatched overseas to perform work and live abroad, such as moving, visa, insurance, furniture, house rental, mobile communication, banking, shipping, aviation, education, language services, and transit, registered by category. An expatriate can select a necessary category and shop for at least one product associated with that category. For example, by selecting the moving category, an expatriate can shop for moving services provided by multiple local moving companies. At this time, the list of each product registered on the platform can be uploaded directly to the platform by the sellers, or the settlement support server (10) can receive sales information from each seller and upload it to the platform.

[0062] In step 502, the settlement support server (10) may receive a request for a comparison quote for multiple products from the expatriate terminal (30). The expatriate may request a comparison quote for the selected products after selecting multiple products within a specific category on the platform, or may request a comparison quote for all products within the selected category by selecting a specific category. For example, the expatriate may request the settlement support server (10) to generate a comparison quote by selecting the moving service provided by moving company A, the moving service provided by moving company B, and the moving service provided by moving company C among the five moving services registered in the moving category. Additionally, the expatriate may request a comparison quote for the five moving service providers by selecting the moving category and requesting a comparison quote from the settlement support server (10).

[0063] In step 503, the settlement support server (10) requests quotes from each seller in response to the comparison quote request received from the expatriate terminal (30) in step 502. If a comparison quote request for multiple selected products within a specific category is received from the expatriate terminal (30), a quote may be requested from the seller providing each selected product. Meanwhile, if a comparison quote request for a specific category is received from the expatriate terminal (30), a quote may be requested from each of the sellers providing products within that category.

[0064] In step 504, the settlement support server (10) receives a quote for a product selected by a representative transmitted from each seller terminal (40) in response to the quote request of step 503.

[0065] In step 505, the settlement support server (10) generates a comparison quote based on each seller's product quote received from multiple seller terminals (40) in step 504, and transmits the generated comparison quote to the expatriate terminal (30). In this embodiment, the settlement support server (10) may provide a comparison quote by transmitting multiple product quotes received from multiple seller terminals (40) to the expatriate terminal (30), or it may generate a single comparison quote file by extracting information from each quote and then transmit the generated comparison quote file to the expatriate terminal (30).

[0066] In one embodiment of the present invention, the settlement support server (10) may receive quotes for each product in advance from all sellers who register and sell products on the platform and store them in the database (14). In this way, when the product quote information of each seller is stored in the database (14), steps 503 and 504 are omitted, and it is also possible for the settlement support server (10) to immediately provide the product quote information requested in step 502 to the resident terminal (30).

[0067] In step 506, the settlement support server (10) receives a product purchase request from the expatriate terminal (30). At this time, the product purchase request received from the expatriate terminal (30) may be a purchase request for a single product or a purchase request for multiple products.

[0068] In step 507, the settlement support server (10) deducts the amount of the product that the expatriate wishes to purchase in step 506 from the company's integrated settlement limit determined in step 403, and transmits the product purchase request received from the expatriate terminal (30) to the seller terminal (40) so that the product can be provided to the expatriate. If the total amount of the product that the expatriate wishes to purchase is greater than the current remaining integrated settlement limit, the settlement support server (10) does not transmit the expatriate's product purchase request to the seller terminal (40) and may notify the expatriate terminal (30) that the product cannot be purchased due to exceeding the integrated settlement limit.

[0069] In step 508, the seller who receives the resident's product purchase request from the settlement support server (10) via step 507 provides the resident with the product purchased by the resident.

[0070] In step 509, the settlement support server (10) requests the company terminal (20) to pay the dispatch support service fee. In this embodiment, the dispatch support service fee may include the accumulated product amount, additional incurred costs, and the dispatch support service fee. The accumulated product amount is the accumulated amount of products purchased by the expatriate through the platform, and the additional incurred costs are costs incurred according to the laws or local conditions of the dispatch country, including taxes payable to the dispatch country. The dispatch support service fee is a fee for the company to use the dispatch support service. In an embodiment of the present invention, the dispatch support service fee may be a predetermined fixed amount or a value determined in proportion to the accumulated product amount.

[0071] FIG. 7 is a table of dispatch support service commission rates according to an embodiment of the present invention. Referring to FIG. 7, the dispatch support service commission rate may increase as the period of use of the dispatch support service by the company increases. In this case, the commission rate may be set to remain constant for the first few months (e.g., 3 months) after subscribing to the dispatch support service, and then increase over time thereafter. FIG. 7 illustrates that the dispatch support service commission rate has a minimum value of 3% for the first 3 months and increases by 1% each month; however, it will be easily understood by a person skilled in the art that the minimum service commission rate, the rate increase cycle, and the degree of rate increase may be determined differently for each company and depending on the transaction environment.

[0072] In this embodiment, the request for payment of dispatch support service fees in step 509 may be performed at predetermined intervals. For example, if the predetermined interval is one month, the settlement support server (10) may request the corporate terminal (20) every month to pay the cumulative amount of goods requested for purchase by the company's expatriates through the platform during the one month and the dispatch support service fee calculated based on the cumulative amount of goods. For example, expatriates a, b, c, and d of Company A may charge the corporate terminal (20) on February 15 for the cumulative amount of goods purchased from January 1 to January 31 and the dispatch support service fee therefor, and may charge the corporate terminal (20) on March 15 for the cumulative amount of goods purchased from February 1 to February 28 and the dispatch support service fee therefor.

[0073] In step 510, the settlement support server (10) confirms that the dispatch support service fee has been deposited from the corporate terminal (20).

[0074] In step 511, the settlement support server (10) processes the payment of the product purchase price or deferment of payment on behalf of the expatriate or company that ordered the service to the sellers selling the product requested for purchase in step 506. In this embodiment, at least one of the account information and card information of the operator running the settlement support server (10) may be stored as payment information in the settlement support server (10). Accordingly, when the settlement support server (10) confirms that the dispatch support service fee has been deposited from the corporate terminal (20), it may use the stored payment information to pay the price of the product purchased by the expatriate to the seller on behalf of the expatriate or company. At this time, the product purchase price paid by the settlement support server (10) to the seller may be the cost excluding the brokerage fee from the amount of the product provided by the seller to the expatriate. In this embodiment, the brokerage fee may be approximately 15%. For example, if the total cost of goods provided by seller A to the company's expatriates is 30 million won, the settlement support server (10) can pay the seller only 25.5 million won after deducting a brokerage fee of 4.5 million won as the purchase price of the goods.

[0075] Meanwhile, as described above, in an embodiment of the present invention, the credit rating, integrated support limit, and dispatch support service fee for the company may change while the company and the expatriate are using the dispatch support service provided by the settlement support server (10). This is because the company's competitiveness and the risk level of the country of dispatch may change over time, and the information obtained while conducting transactions through the dispatch support service for a certain period of time is reflected in the company's credit rating, integrated support limit, and dispatch support service fee, thereby further reducing the risk of debt recovery.

[0076] The settlement support server (10) can re-evaluate the creditworthiness of a company at predetermined intervals or irregularly and update the creditworthiness. At this time, the settlement support server (10) can re-evaluate the creditworthiness of a company by reflecting at least one of financial information including the company's stability and profitability, non-financial information including the company's size and the reliability of financial statements, overseas business information related to the company's overseas business, and transaction performance related to the dispatch support service transaction.

[0077] In this embodiment, overseas business information includes at least one of the authenticity of overseas dispatch regulations, the scale of overseas business, the risk level of the country of overseas expansion, the scale of overseas dispatchers, the timeliness of overseas dispatch regulations, and evidence of actual transactions. Here, the authenticity of overseas dispatch regulations is information indicating the reliability of the overseas dispatch regulations submitted by the company, such as the accuracy and consistency of the content of the overseas dispatch regulations submitted by the company when signing up for the dispatch support service.

[0078] In this embodiment, the settlement support server (10) can determine the authenticity of the overseas dispatch regulations through four verifications by relevant parties involved in the dispatch support service, as illustrated in FIG. 6. First, the settlement support server (10) can verify the authenticity of the submitted overseas dispatch regulations by receiving the overseas dispatch regulations directly from the company at the time of membership registration or thereafter. This means that the settlement support server (10) does not directly obtain the overseas dispatch regulations of the company in question, but rather receives them from the company in question, thereby acknowledging in the first instance that the overseas dispatch regulations are authentic.

[0079] Secondly, the settlement support server (10) receives overseas dispatch regulations from the expatriate and can verify the authenticity of the overseas dispatch regulations submitted by the company by comparing the overseas dispatch regulations received from the expatriate with the overseas dispatch regulations submitted by the company. If the overseas dispatch regulations submitted by the employee differ from the overseas dispatch regulations submitted by the company, the settlement support server (10) may request confirmation from the company terminal (20) or the expatriate terminal (30). In another embodiment, the settlement support server (10) can verify the authenticity of the overseas dispatch regulations submitted by the company by outputting the overseas dispatch regulations submitted by the company to the expatriate terminal (30) and receiving confirmation from the expatriate that the overseas dispatch regulations output to the expatriate terminal (30) are the correct overseas dispatch regulations of the company.

[0080] In the third step, the settlement support server (10) can verify the authenticity of the overseas dispatch regulations by checking whether the expatriate actually purchases products through the dispatch support platform, and in the fourth step, can verify the authenticity of the overseas dispatch regulations by confirming whether such product purchases by the expatriate are being made repeatedly. If the authenticity of the overseas dispatch regulations submitted by the company is verified through this fourth verification, the settlement support server (10) can evaluate the company's creditworthiness highly.

[0081] Meanwhile, the settlement support server (10) can evaluate the creditworthiness of a company more highly the more recently the overseas dispatch regulations submitted by the company are written. This is because, in the case of overseas dispatch regulations that have been written a long time ago, the company's latest information may not be reflected and may be out of touch with reality.

[0082] In this embodiment, transaction records related to the transaction of the dispatch support service may include at least one of the total purchase amount of expatriates through the dispatch support platform, the number of countries used, the frequency of use, the period of use, the number of users, the amount of overdue payments, and the seller dispute records.

[0083] The number of countries of use is the number of countries in which a company's expatriate can use the dispatch support service of this embodiment. For example, Company A may allow expatriates dispatched to three countries—the United States, Japan, and China—to use the dispatch support service, and Company B may allow expatriates dispatched to two countries—the United States and India—to use the dispatch support service. In this case, the number of countries of use for Company A is 3, and the number of countries of use for Company B is 2. The settlement support server (10) can evaluate the creditworthiness of the company as the number of countries of use increases.

[0084] The usage frequency may be the frequency at which a company's expatriate purchases products using the dispatch support platform. The settlement support server (10) may evaluate the company's creditworthiness higher as the usage frequency increases. The usage period may be the time period from when the company signs up for the dispatch support service until the time of re-evaluating its reliability, and the settlement support server (10) may evaluate the company's creditworthiness higher as the usage period increases. The number of users is the number of expatriates of the company who have signed up for the dispatch support service, and the settlement support server (10) may evaluate the company's creditworthiness higher as the number of users increases. The overdue amount is the amount of dispatch support service fees that the company has not paid to the settlement support server (10), and the higher the overdue amount, the lower the settlement support server (10) may evaluate the company's creditworthiness. In particular, the overdue amount is an item directly related to the company's creditworthiness, and it may be reflected in the creditworthiness evaluation with a higher weighting compared to other items of transaction performance such as usage frequency and usage period. The seller dispute record is a record of disputes that occurred between a company or resident representative and a service seller, and the more seller dispute records there are, the lower the settlement support server (10) can evaluate the creditworthiness of the company.

[0085] In this way, the settlement support server (10) according to the present embodiment can re-evaluate creditworthiness while the company is using the dispatch support service, and can further reduce receivable risk by evaluating creditworthiness by considering the company's overseas business information and transaction history together.

[0086] Meanwhile, the settlement support server (10) can change the company's integrated settlement limit based on at least one of the company's re-evaluated credit rating and transaction performance. In this embodiment, the settlement support server (10) can increase the integrated settlement limit amount if the company's re-evaluated credit rating has increased compared to before, and decrease the integrated settlement limit amount if the credit rating has decreased compared to before. In another embodiment, the settlement support server (10) can change the integrated settlement limit based on the company's transaction performance. At this time, since the change in the integrated settlement limit by the settlement support server (10) is performed according to the same criteria as the company's credit rating evaluation based on the transaction limit described above, further explanation is omitted.

[0087] Meanwhile, the settlement support server (10) can change the dispatch support service fee rate of a company based on the changed credit rating and integrated settlement limit of the company. The dispatch support service fee rate can be calculated in various ways to maximize the profit of the operator of the settlement support server (10). For example, the settlement support server (10) can lower the service fee rate as the credit rating is higher and raise the service fee rate as the integrated settlement limit is higher. This has the advantage of maximizing profit from fees by setting higher fees for companies with large transaction volumes. In another embodiment, the settlement support server (10) can lower the service fee rate as the credit rating is higher and lower the service fee rate as the integrated settlement limit is higher. This has long-term advantages as it can induce continuous transactions by setting lower service fees for companies with large transaction volumes.

[0088] FIG. 8 is a flowchart of an integrated settlement support method according to another embodiment of the present invention. More specifically, FIG. 8 is a flowchart of an integrated settlement support method when a seller subscribes to a Merchant Cash Advance (MCA) service provided by the operator of the settlement support server (10). Since steps 801 to 808 of FIG. 8 are identical to steps 501 to 508 of FIG. 5, the explanation thereof is omitted to prevent the explanation from becoming too verbose.

[0089] In step 809, the settlement support server (10) prepays a portion of the cost of the goods purchased by the expatriate to the seller. At this time, the amount prepaid by the settlement support server (10) to the seller is determined according to a predetermined prepayment rate. For example, if the predetermined prepayment rate is 80% and the cost of the service provided to the expatriate is 30 million won, the settlement support server (10) may prepay 24 million won to the seller. Here, prepayment means that the operator of the settlement support server (10) pays the cost of the goods purchased by the expatriate to the seller before receiving payment for the cost of the goods used by the expatriate from the company.

[0090] In this embodiment, the advance payment rate may vary depending on the seller's transaction history. For example, the seller has a fixed advance payment rate for a certain period after subscribing to the advance payment service, but after that period, the advance payment rate may increase or decrease depending on the transaction history.

[0091] In step 810, the settlement support server (10) requests payment of dispatch support service fees from the corporate terminal (20). In this embodiment, the dispatch support service fees may include an accumulated product amount, additional costs, and a dispatch support service fee. The accumulated product amount is the accumulated amount of products purchased by the expatriate through the platform, and the additional costs are costs incurred according to the laws or local conditions of the dispatch country, including taxes payable to the dispatch country. The dispatch support service fee is a fee for the company to use the dispatch support service. In an embodiment of the present invention, the dispatch support service fee may be a predetermined fixed amount or a value determined in proportion to the accumulated product amount.

[0092] In step 811, the settlement support server (10) confirms that the dispatch support service fee has been deposited from the corporate terminal (20).

[0093] In step 812, the settlement support server (10) settles and pays the remaining balance of the product price to be paid to the seller. In this step, the settlement amount paid to the seller may be the amount excluding the advance payment service fee and brokerage fee from the remaining amount after deducting the advance payment made in step 809 from the price of the product provided by the seller to the resident. In this embodiment, the advance payment service fee may be calculated on a daily basis, and the brokerage fee may be calculated according to a predetermined fee rate. For example, if the advance payment service fee is calculated on a daily basis at 0.05%, the advance payment service usage period is 90 days, and the brokerage fee is 15%, and the purchase price of the service purchased by the resident from the seller is 30 million won, then 24 million won is advance paid in step 809, and the final settlement amount of 420,000 won, which is the remaining 6 million won after deducting the advance payment service fee of 1.08 million won and the brokerage fee of 4.5 million won, may be paid to the seller.

[0094] In this way, by pre-settlement of service sales proceeds to the seller, the seller can secure smooth cash flow, and the operator of the settlement support server (10) can secure additional profit from the pre-settlement service fee.

[0095] According to the integrated settlement support method of the present embodiment, the settlement support server (10) charges the cost of goods purchased by the expatriate to the corporate terminal (20) at regular intervals along with additional costs and dispatch support service fees, and the settlement support server (10) pays the service costs on behalf of the expatriate or the company to the seller who provided the goods. Accordingly, the company can proceed with overseas dispatch operations very conveniently and smoothly by settling accumulated costs once at regular intervals without having to respond every time to claims for necessary costs that occur in various ways over different periods when an expatriate is dispatched overseas, and work efficiency is increased by handling additional costs such as complex taxes that vary by country of dispatch all at once. In addition, the expatriate can also increase work efficiency by not having to go through the cumbersome cost application procedure every time to claim the expenses used from the company, thus allowing them to allocate more time to work.

[0096] Meanwhile, although it has been described that all components constituting an embodiment of the present invention are combined or operate in combination, the present invention is not necessarily limited to such an embodiment. That is, within the scope of the purpose of the present invention, all components may be selectively combined in one or more ways to operate. Furthermore, while all components may each be implemented as a single independent piece of hardware, they may also be implemented as a computer program having a program module that performs some or all of the combined functions on one or more pieces of hardware by selectively combining some or all of the components. The codes and code segments constituting the computer program can be easily inferred by those skilled in the art of the present invention. An embodiment of the present invention may be implemented by storing such a computer program on a non-transitory computer-readable media, reading it, and executing it by a computer.

[0097] Here, a non-transient readable recording medium refers to a medium that stores data semi-permanently and can be read by a device, rather than a medium that stores data for a short period of time, such as a register, cache, or memory. Specifically, the programs described above may be stored and provided on non-transient readable recording media such as CDs, DVDs, hard disks, Blu-ray discs, USBs, memory cards, and ROMs.

[0098] Although preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above. It is understood that various modifications can be made by those skilled in the art without departing from the essence of the invention as claimed in the claims, and such modifications should not be understood individually from the technical spirit or perspective of the present invention.

Claims

1. In an integrated settlement support method performed by a settlement support server providing dispatch support services, A step of providing a dispatch support platform, in which multiple products available to the expatriate are registered, to the expatriate terminal; A step of receiving a purchase request for at least one product registered on the platform from the above-mentioned expatriate terminal; A step of transmitting a purchase request for at least one product selected by the above-mentioned representative to a seller providing each product; and An integrated settlement support method characterized by including the step of, at each predetermined period, billing a dispatch support service fee, including the cumulative amount of goods purchased by the expatriate through the dispatch support platform during the period, to the terminal of the company to which the expatriate belongs.

2. In Paragraph 1, The above dispatch support service fee includes the cumulative amount of the above product and a service fee for the use of the above dispatch support service, and A method for supporting integrated settlement, characterized in that the above service fee is determined based on the creditworthiness of the above company.

3. In Paragraph 2, It further includes the step of evaluating the creditworthiness of the said company on a regular or irregular basis, and A method for supporting integrated settlement, characterized in that the credit rating is determined based on at least one of the risk level of the country of dispatch to which the expatriate is dispatched, the scale of overseas dispatchers, and whether the authenticity of overseas dispatch regulations has been verified.

4. In Paragraph 2, A method for supporting integrated settlement, characterized in that the above service fee increases in proportion to the cumulative amount of the above product, and the fee rate of the above service fee increases as the period during which the above company uses the above dispatch support service becomes longer.

5. In Paragraph 3, A method for supporting integrated settlement, characterized in that the authenticity of the above-mentioned overseas dispatch regulations is verified first by the company submitting the overseas dispatch regulations, verified second by the company's expatriate submitting the overseas dispatch regulations, verified third by the expatriate purchasing services through the platform, and verified fourth by the repeated purchase of services by the expatriate.

6. In Paragraph 2, A method for supporting integrated settlement, characterized in that the credit rating is determined based on at least one of the total amount of goods purchased by the expatriate through the platform, the number of countries where the expatriate can use the dispatch support service, the frequency of use, the period of use, the number of users, the amount of overdue payments, and the seller dispute records.

7. In Paragraph 1, Prior to the step of providing the above platform to the expatriate terminal, the step of receiving a membership registration request from the company from the company terminal; and The method further includes a step of determining whether to approve the membership based on at least one of the company's market position and the company's creditworthiness, and A method for supporting integrated settlement, characterized in that the creditworthiness of the above-mentioned company is evaluated based on overseas business information.

8. In a system supporting the integrated settlement of necessary expenses for overseas expatriates, A settlement support server comprising a memory storing a program that provides a method for supporting the integrated settlement of necessary expenses for overseas expatriates, and a processor that executes the program stored in the memory to provide a method for supporting the integrated settlement. An integrated settlement support system characterized by providing a dispatch support platform, in which multiple products available to the expatriate are registered, to an expatriate terminal; receiving a purchase request for at least one product registered on the platform from the expatriate terminal; transmitting a purchase request for at least one product selected by the expatriate to a seller providing each product; and, at a predetermined period, billing a dispatch support service fee, including the cumulative amount of products purchased by the expatriate through the dispatch support platform during the period, to the terminal of the company to which the expatriate belongs.

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