KR20050090846A - Terminal and method for generating a digital sales slip with electronic signature, and an associated van server and method thereof - Google Patents

Abstract

The slip management server of the present invention includes a credit card authentication processing unit 402A stored in the digital card slip database 406, 410, and a cash authentication processing unit 402B stored in the digital cash slip database 408, 410. Include. Accordingly, the sales slip generated through the credit transaction is digitized by using the digital signature, so that the designated digital slip form 120 together with the necessary information such as transaction amount, merchant information, approval details, etc., in addition to the actual sales slip is stored and stored. Evidence data can be stored and managed, and in addition, by using the terminal equipment of existing merchants, evidence of cash use and issuance of receipts can be used as taxation grounds and establish a transparent commerce culture.

Description

Terminal for producing digital sales slip by digital signature, processing method thereof, and processing method for digital slip management server and processing method thereof

The present invention relates to a document management server capable of authenticating a sales slip by electronically signing a sales slip generated during a credit transaction or a cash transaction, and then storing and managing it digitally. The present invention also relates to an affiliated store terminal that can transmit a sales slip generated during a credit transaction or a cash transaction to a slip management server as a digital slip data to be managed in a database.

Existing credit card terminals, when using credit cards, issue three or two sales slips proving transaction details including the purchase amount, and personally sign the sales slip to identify the lost or stolen card. Using a card proves that you paid for the purchase. These sales slips are to be kept by value-added telecommunications carriers (VANs), merchants and card users, respectively, and VAN will find and present copies of sales slips that are transacted within five years when they object to the use of the cards. Was responsible for managing the amount of money used to pay for the transaction.

The order in which sales slips are issued is that when a customer uses the card through a credit card checker, the credit information stored in the magnetic strip of the credit card, the merchant information of the credit card checker, and the purchase amount are transferred to bansa's server. To be sent for approval.

If the approval is canceled according to the above procedure, the transaction approval statement is printed on the sales document. In Korea, more than 100 million transactions are made each month, and sales slips are also generated. In this case, Bansa is in charge of managing sales slips, but bans and van dealers, who are responsible for managing sales slips, have neglected sales slip management and cannot meet the demands of card companies and card users. VAN's financial loss is enormous, and illegal multi-level companies, card discount companies, and card alteration investigations are causing the social problems that cause victims of good faith.

In addition, while existing merchants only accept credit card payments, a new terminal that can issue cash receipts even if you make a cash payment in consideration of the fact that you can receive a tax deduction if you pay more than a certain amount by cash. It is desperately required.

Accordingly, in order to solve the above problems, an object of the present invention is to provide a merchant terminal capable of issuing and processing a cash receipt even when cash payment other than the existing credit card payment.

In addition, an object of the present invention is to transmit a sales slip issued during a credit transaction or a cash transaction as digital data to the document management server along with the electronic signature of the customer, and store the sales document as digital data in the database of the document management server. It is to provide a document management server that can effectively handle the storage, management, and certification of the sales document in the future.

Another object of the present invention is a slip management server that can implement a lottery system to give a certain prize or points by extracting some customers and merchants from the database at regular intervals to facilitate credit card transactions or cash payment transactions To provide.

In order to achieve the above object, the merchant terminal according to an aspect of the present invention, the payment method for selecting any one of the payment method of credit card payment and cash payment and assigning a payment method identifier according to the selected payment method Identification processing unit; Cash payment processing unit for transmitting customer identification information and cash transaction details to the document management server, receiving the approval number from the document management server to perform cash payment approval processing, and generating a sales document displaying the cash transaction details and signature images; And a digital document generating device for generating digital document data to be transmitted to the document management server from the sales document in which the transaction details and the signature image are displayed. In this case, the terminal controller of the terminal receives the digital journal data from the digital journal creation control unit, compresses and encrypts the digital journal data, and then transmits the digital journal data to the document management server in real time or temporarily stores the data. And transmits the previous transaction digital document data to the document management server when the next transaction is performed. In this case, when the transmission line with the document management server is in communication, the digital document data to be transmitted is divided and transmitted or collectively after a predetermined predetermined time. And transmit the digital slip data remaining in the affiliated store terminal upon receiving a signal from the slip management server that the transmission of the digital slip data is completed. On the other hand, the signature image input to the digital slip generating device, preferably may be made by any one of the sign pad, PDA, touch screen, the image scanner 168 and the digital camera 169.

The slip management server according to another aspect of the present invention, the detection unit for detecting the payment method identifiers of the data transmitted from the plurality of merchant terminals; A credit card authentication processing unit for storing the transmitted transaction details, customer card information, and data relating to the merchant in the digital card slip database; And a cash authentication processing unit for storing the transmitted transaction details, customer identification information, and data related to the merchant in the digital cash slip database. At this time, the digital slip management server, a lottery every predetermined period from the credit card database or cash payment database that stores the transaction details, customer identity information and data about the merchant in order to give prizes or points to some customers and merchants It may further comprise a credit card / cash settlement lottery to draw.

By having the above configuration, it is possible to issue cash receipts not only by credit card but also by cash payment, and to save existing sales slips as digital data, thereby dramatically reducing the cost of collecting, storing and managing sales slips. It can reduce the cost and increase the service reliability and customer satisfaction by responding quickly to the card company's slip request or the card user's request. In addition, it is not only able to effectively provide the increasingly popular credit card payment service and cash receipt service, but also increase the credit of the transaction by storing and managing all the sales documents as digital data, and can be used as a reliable tax deduction material. Provide the benefits.

Other aspects and advantages of the present invention will become more apparent from the preferred embodiments described below with reference to the accompanying drawings.

(Example)

1 illustrates a transaction processing system including an affiliated store terminal and a slip management server according to an embodiment of the present invention. In the transaction processing system of the present invention, when a customer (a1) purchases an item or receives a service at the affiliated store and pays a transaction price, the customer a1 may be used as proof data for tax deduction even when using cash payment in addition to the existing card payment. A cash receipt can be issued. As illustrated in FIG. 1, the merchant terminal 10 according to the present invention may issue a cash receipt in addition to a credit card with the help of the digital slip generating device 15 to be described later. Digital document data to the document management server 40 can be authenticated and stored. At this time, the document management server 40 stores the digital document data in each database for each payment method, and then the same as the actual sales document already issued when the card company 30 and the card user a1 request it. You can issue a sales slip with a physical shape.

This slip management server 40 can be connected to the server 50 of the IRS as needed, and can provide the database data to the IRS server 50 directly. In addition, the slip management server 40 may allow the database company to access the database data through the homepage through the Internet network, or transmit it through E-mail or messenger for the convenience of the card company or the card user.

2A is a schematic block diagram of an affiliated store terminal according to an embodiment of the present invention. The merchant terminal may issue a receipt at the time of cash payment in addition to credit card payment. To this end, the terminal 10 according to the present invention includes a payment method identification processing unit 112D, a credit card payment processing unit 112A, and a cash payment processing unit 112B in the terminal control unit 112. Here, the payment method identification processing unit 112D according to the present invention assigns and displays an identification symbol indicating the payment method to data transmitted to the document management server 40 according to the payment method (S16 of FIG. 4A).

Thereafter, the credit card payment processing unit 112A reads the transaction history and the credit card information from the credit card recognition unit 116 from the keypad 120 and requests the credit card payment and authorization number from the slip management server 40. Upon receipt of the authorization number from the slip management server 40, it is issued as a sales slip for the credit card including the transaction details and the authorization number (S17, S18, S20 of FIG. 4A). This credit card payment process may be performed through the existing bansa (20 in FIG. 1).

On the other hand, the cash payment processing unit 112C according to the present invention sends the transaction information and the identification information read from the keypad 120 or the identification card recognition unit 162 from the keypad 120 at the time of cash payment to the slip management server 40. Request a cash settlement and authorization number, and issue a sales slip for cash upon receipt of the authorization number (S38, S40 of FIG. 4A). Here, the keypad 162 for customer input may include a sign pad, a PDA, a touch screen, and the like, and the card used for the identification card recognition unit 162 may be a debit card, a cash back card, a department store card, etc. Either is good.

In addition, according to the present invention, a digital document suitable for transmission after combining with the signature image in the digital document generation control unit 154 for transmission of the sales document thus created in the payment processing unit 112A and 112B to the document management server together with the signature image. The data is converted into data (S25, S46). That is, the credit card sales slip and the cash sales slip created by the above-described payment processing units 112A and 112B are the digital credit card slip generation unit 154A and the digital cash slip generation unit 154B of the digital slip generation control unit 154. Is converted into digital credit card slip and digital cash slip by digital slip algorithm 154E.

The digital document algorithm 154E is an algorithm for displaying a signature image on a sales document including a transaction history and an approval number in place and converting it into a standardized digital file suitable for transmission to the document management server 40. . The sales slip converted into a digital file for transmission by this digital slip algorithm is called digital slip data. The digital document data converted into digital data by properly combining the sales document and the signature image is transmitted to the document management server 40 via the terminal controller 112 (S26 and S47 of FIG. 4A).

Meanwhile, the digital slip generator 15 may be connected to a signature image input device 170 for receiving a signature image displayed on the sales slip as a digital file by the image scanner 168 and the digital camera 169 ( S56 of FIG. 4A).

In another embodiment of the present invention, the digital slip generation device 15 may further include a digital credit slip generation unit 154C capable of generating and storing the credit book of the customer with respect to the transaction price. The digital credit document generating unit may generate and store a customer's identification information and a signature image input through a transaction price and a customer's identity information input device (160, 162, 164, 166) input by the keypad (120). (S72, S74, S76 of FIG. 4A). The generation of the digital trauma slip data is processed by the digital trauma slip generation portion 154C in the digital slip generation control portion 154 of FIG. 2A. This makes it easy to find out the status of the delinquent customer, the amount of arrears, etc., if the customer does not pay for the credit, and to contact the customer by phone number, mobile phone number, or e-mail address. have.

2B is a schematic block diagram of a slip management server according to an embodiment of the present invention. This slip management server 40 receives the data from the terminal 10 via the communication part 404 which communicates with the affiliated store terminal 10 mentioned above (S60 of FIG. 4B).

The slip management server 40, a payment method detection unit 402D for detecting a payment identification code included in the data to determine the payment method of the data transmitted upon receipt of the data, and the credit card authentication processing unit 402A according to the payment method. And a cash authentication processing unit 402B, and further includes various databases 406, 408, and 410 for storing the received data.

If the payment method is determined to be a credit card payment (S64 in FIG. 4B) and then an authentication request is made, a credit card authentication process is performed according to a conventional credit card authentication method as shown in S66 to S72 in FIG. 4B. If there is no request, the data is sent to the document management server 40 for storage and subsequent authentication, and the transferred data is stored in the assigned digital credit card slip databases 406 and 410 (S74 in FIG. 4B). ). At this time, if the transmitted data is completely received without transmission interruption or file damage, a signal is sent to the merchant terminal to delete the corresponding file (S76 in FIG. 4B).

After the payment method is determined as cash payment (S80 in FIG. 4B), when an authentication request is made, the authentication number is assigned to the affiliated store terminal 10 after the authentication number is assigned (S84 in FIG. 4B). This authentication number may be an authentication number assigned by itself in the document management server 40, as shown in Figure 1, the document management server 40, the authentication received after inquiring in real time to the IRS server 50 It may be a number. If there is no authentication request, it is determined that the data is sent to the document management server 40 for storage and subsequent authentication, and the transmitted data is stored in the assigned digital cash slip databases 408 and 410 (Fig. 4B). S90). At this time, if the transmitted data is completely received without transmission interruption or file damage, a signal is sent to the merchant terminal to delete the corresponding file (S92 in FIG. 4B).

In one embodiment of the present invention, the voucher management server 40, in the database (406, 408, 410) stored in the above manner in order to give a prize or points to some customers and merchants lottery every certain period ( 4B may further include a credit card / cash payment lottery 416 for S77, S78, S79; S93, S94, and S95. This provides the advantage of facilitating card payments and cash payments.

3A is an external view illustrating various forms of a customer ID information input device of a digital slip generating device according to an embodiment of the present invention. The digital slip generating device 15 is configured to be easily connected to an existing merchant terminal 10 through an expansion port such as RS-232, and may share and control some functions such as a communication function of the merchant terminal. . However, in the case of a new affiliated store, the digital slip generating device 15 may be integrated into the affiliated store terminal 10 to be integrated into the integrated store to minimize the use space. The customer ID information input device of the digital slip generating device 15 includes an ID card recognition unit 162, a customer input keypad 164, and a signature input unit 166, as shown in Fig. 3A. The signature input unit 166 may receive a signature image from the image scanner 168 and the digital camera 169. The identity card recognition unit 162 is a place where the customer recognizes his or her identity card, that is, debit card, cash back card, department store card, etc., customer input keypad 164 is the customer directly identification information, for example For example, this is where you enter your social security number, phone number, or mobile number. The signature input unit 166 is a place for inputting a customer's signature as an electrical signal in order to confirm the transaction details in final, and corresponds to a sign pad, a PDA, a touch screen, a tablet, and an electronic pen. The entered customer information can be directly checked by the customer through the display.

3B shows a schematic diagram illustrating an example of a sales slip of the present invention. It is understood that this sales slip is shown for example and that the description may be changed in actual application.

4A illustrates a flowchart illustrating a transaction processing flow of an affiliated store terminal according to an embodiment of the present invention, and FIG. 4B illustrates a block diagram illustrating a transaction processing flow of a slip management server according to an embodiment of the present invention. .

Referring again to FIG. 4A, when sales are generated and transaction details are input (S12), a display window for selecting a payment method (S14) appears. The payment method according to the present invention includes a credit card payment (S15), cash payment (S30), or credit payment (S70).

Here, if the credit card payment is selected, the credit card payment identifier is assigned to the sales slip data (S16). This identifier is used to detect the payment method in the document management server 40 described above. Thereafter, the transaction history and credit card information are read (S17) and transmitted to the document management server to request an authorization number (S18), and when the authorization number is received (S20), a sales slip is created (S21). Then, when the signature input message S22 is displayed and the signature input from the signature input unit 166 is completed, the signature image is displayed on the created sales slip (S23) and then displayed. Until now, the credit card payment process (S15 to S20) may be performed through the existing van server (20 in FIG. 1).

Now, according to the present invention, the digital credit card slip generation unit 154 displays the signature image on the sales slip created as above and generates digital slip data suitable for transmission to the slip management server 40 through the digital slip algorithm 154E. (S25). After the digital document data is encrypted and compressed, it is transmitted to the document management server in real time (S26). In this case, when the communication line is not connected or a failure occurs (S27), the digital document data is transmitted after a predetermined time or divided and transmitted (S28). )You may. As used herein, the compression of the digital slip data may be performed by RLE or the like, and the encryption may be performed by 3DES or RSA. The performance of encryption ensures the security of the data and the performance of compression enables rapid data transfer. The encrypted and compressed digital slip data is transmitted to the slip management server according to the present invention via a modem (telephone, ADSL, CDMA, wireless LAN, BLUETOOTH) of the merchant terminal. When the transmission is completed, in order to prevent the leakage of the merchant information, the corresponding file remaining in the memory is deleted (S29).

When the cash payment (S30) is selected as the payment method above, a display window for assigning a cash card identifier to the sales slip data to be transmitted (S31) and entering an identification card or customer's identification information (S32 and S35) appears. Here, when the identification card is scratched on the identification card recognition unit 162 shown in FIG. 3A, the identification card may be read (S34), and the customer may directly input the identification information through the keypad 164 shown in FIG. 3A (S35). Thereafter, the transaction history and customer identification information are transmitted to the document management server 40, and an authentication request (S38) is received to obtain an approval number (S40), and then a sales slip including transaction details and identification information is generated (S41). Then, the signature image is displayed on this sales slip (S44). The input S42 of the signature image may be input from an external device. That is, the signature image data may be input from the signature image input apparatus 170 illustrated in FIG. 3A, specifically, the image scanner 168 and the digital camera 169 of FIG. 2A. After the signature image is displayed on the sales document, it is converted into digital document data to be transmitted to the document management server by the digital document algorithm (S46). The digital slip data is encrypted and compressed and then transmitted to the slip management server 40. In this case, the digital slip data may be transmitted in real time according to the state of the transmission line, divided transmission, or waited for a predetermined period of time (S49). This eliminates the loss of digital voucher data and provides the benefit of minimizing customer waiting time for payment. Then, when the transmission is completed, in order to prevent the leakage of the merchant information, the corresponding file remaining in the merchant terminal is deleted (S50). Since the contents of FIGS. 4A and 4B have already been described in connection with FIGS. 2A and 2B, it will be well understood by those skilled in the art. Although the present invention is shown in the accompanying drawings and disclosed in the above detailed description, it will be apparent to those skilled in the art that many modifications can be made from the disclosure. It should not be limited.

According to the merchant terminal and the slip management server according to the present invention, by digitizing the slip management of the existing bansa and credit card companies nationwide, more than 100 million sales slips occur per month through credit card transactions, and the collection, storage, management of these slips It can dramatically reduce costs and increase customer satisfaction by responding quickly to card users' demands. In particular, credit card crimes continue to occur. The real-time management of sales slips can minimize threats such as card discounts. In addition, it can be applied to implement a receipt lottery system or to use as a basis for receiving tax deductions at the end of the year, in order to establish transparent commerce practices related to issuance of cash receipts.

1 is a transaction processing system including a merchant terminal and a slip management server according to an embodiment of the present invention.

2A is a schematic block diagram of an affiliated store terminal according to an embodiment of the present invention.

2B is a schematic block diagram of a slip management server according to an embodiment of the present invention.

3A is an external view showing various forms of a customer identification information input device of a digital journal generating device according to an embodiment of the present invention.

3B is a schematic diagram showing an example of a sales slip of the present invention.

4A is a flow diagram illustrating a transaction processing flow of an affiliated store terminal according to an embodiment of the present invention.

4B is a block diagram illustrating a transaction processing flow of a document management server according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

10: merchant terminal 15: digital slip generating device

40: digital slip management server 112: terminal control unit

112A: credit card payment processing unit 112B: cash payment processing unit

154A / 115B: Digital Credit Card / Cash Slip Generator

154E: Digital Slip Algorithm 170: Signature Image Input Device

Claims (10)

A credit card recognition unit 116 which communicates with the slip management server and reads credit card information so that the transaction price can be settled by credit card, a keypad 120 for inputting the transaction price, and a memory for storing data. (126) and transmit credit card information and card transaction details to the document management server, receive an authorization number from the document management server to perform card approval processing, and generate and store a sales document displaying card transaction details and signature images. In the merchant terminal 15 including a terminal control unit 112 including a credit card payment processing unit 112A, The terminal control unit 112 includes: a payment method identification processing unit 112D for allowing one of a payment method of credit card payment and cash payment to be selected and assigning a payment method identification symbol according to the selected payment method; Cash payment processing unit for transmitting the customer's identification information and cash transaction details to the document management server, receiving the approval number from the document management server to perform the cash payment approval process, and generating the sales document displaying the cash transaction details and the signature image ( 112B), The merchant terminal 10 communicates with the terminal controller 112, and transmits the digital credit card slip data to the slip management server by the digital slip algorithm 154E from the credit card sales slip showing the card transaction history and the signature image. Digital credit card slip data generation unit 154A for generating a digital cash slip data to be transmitted to the document management server by the digital slip algorithm from the cash sales slip displaying the cash transaction details and the signature image. It includes a document data generation unit 154B and a digital document generation device 15 including a customer identification information input device 162, 164, 166 for receiving the identification information and the signature image of the customer displayed on the sales slip. Merchant terminal, characterized in that. The method of claim 1, wherein the terminal controller 112 receives the digital slip data from the digital slip generation controller 154, encrypts and compresses the digital slip data, and transmits the digital slip data to the slip management server in real time. It stores and stores the previous transaction digital document data to the document management server when the next transaction with the document management server, when the transmission line with the document management server is in communication, divide and transmit the digital document data to be transmitted or It is configured to collectively transmit again after a predetermined predetermined time, characterized in that configured to delete the digital journal data remaining in the merchant terminal when receiving the signal that the transmission of the digital document data is completed from the document management server, Merchant Terminal. The signature image input as an electrical signal through the digital signature input unit 166 is formed by one of a sign pad, a PDA, a touch screen, an image scanner 168, and a digital camera 170. Characterized in that the merchant terminal. A credit card recognition unit 116 which communicates with the slip management server and reads credit card information so that the transaction price can be settled by credit card, a keypad 120 for inputting the transaction price, and a memory for storing data. In the affiliated store terminal 15 which includes the terminal control part 112 containing 126 and the credit card payment processing part 112A, Selecting a payment method of credit card payment and cash payment and assigning a payment method identifier according to the selected payment method (S16 and S31); Transmitting credit card information or customer identification information and card transaction details to the document management server and receiving an authorization number from the document management server (S18, S20; S38, S40); Receiving customer identification information and a signature image displayed on the sales slip (S22 and S42); Generating sales documents in which transaction details and signature images are displayed (S23 and S44); Generating digital document data to be transmitted to the document management server by the digital document algorithm 154E from the sales document displaying the transaction history and the signature image (S25 and S46); Transmitting the digital document data to the document management server (S26, S47). Characterized in that it comprises a, the merchant terminal processing method. The method of claim 4, wherein the transmitting of the digital document data comprises encrypting and compressing the digital document data to transmit the digital document data to the document management server in real time or temporarily storing the data. Transmitting the previous transaction digital document data to the document management server during a transaction, dividing and transmitting the digital document data to be transmitted when the transmission line with the document management server is in communication, or collectively transmitting the data after a predetermined predetermined time; And deleting the digital slip data remaining in the affiliated store terminal when receiving the signal from the slip management server that the transmission of the digital slip data has been completed. The method of claim 5, wherein the receiving of the signature image is performed by one of a sign pad, a PDA, a touch screen, an image scanner 168, and a digital camera 169. . A communication unit 404 for communicating with a plurality of merchant terminals and credit card company servers via a network, a database 406, 408, 410 for storing the received data, and a printing unit for processing and printing the received data ( In the digital slip management server 40 for authenticating credit card payment and cash payment, including 414, A detection unit 402D for detecting a payment method identification symbol of data transmitted from a plurality of affiliated terminal terminals; When it is determined that the credit card is settled, it is determined whether or not the authentication request is made. If there is an authentication request, the transaction details and credit card information are transmitted to the credit card company server, the authentication number is received, and the authentication number is sent to the merchant terminal. If no, the credit card authentication processing unit 402A stores the transaction details, customer card information, and data related to the merchant in the digital card slip database 406 and 410; If it is determined by cash payment, it is determined whether an authentication request is made, and if there is an authentication request, an authentication number for transaction details and identity information is allocated, and the assigned authentication number is transmitted to the affiliated store terminal, and if there is no authentication request, Cash authentication processing unit 402B for storing transaction details, customer identity information, and data relating to merchants in the digital cash slip databases 408 and 410. Characterized in that it comprises a digital journal management server. 8. The credit card database or cash payment system according to claim 7, wherein the digital slip management server 40 stores the transaction details, customer identification information, and data relating to the merchant in order to give prizes or points to some customers and merchants. And a credit card / cash payment lottery drawing (416) for drawing the lottery ticket every fixed period from the database. In the processing method of the digital slip management server to communicate with a plurality of merchant terminal and credit card company server through a network, the credit card payment and cash payment authentication process, Detecting a payment method identification symbol of data transmitted from a plurality of affiliated terminal (S62); When it is determined that the credit card is settled, it is determined whether or not the authentication request is made. If there is an authentication request, the transaction details and credit card information are transmitted to the credit card company server, the authentication number is received, and the authentication number is sent to the merchant terminal. If there is no credit card authentication processing step (S66, S68, S70, S72, S74) of storing the transaction data, card information and merchant information transmitted in the digital card slip database, If it is determined by cash payment, it is determined whether an authentication request is made, and if there is an authentication request, an authentication number for transaction details and identity information is allocated, and the assigned authentication number is transmitted to the affiliated store terminal, and if there is no authentication request, Cash authentication processing step of storing transaction details, card information and affiliate store data in a digital cash slip database (S82, S84, 86, 88, 90) Characterized in that it comprises a, digital journal management server processing method. 10. The method of claim 9, wherein a lottery is drawn at regular intervals from the credit card database or the cash settlement database that stores the transaction details, customer identity information, and data related to the merchant in order to give prizes or points to some customers and merchants. The method of claim 1, further comprising the step.