KR100619450B1 - Issue method for cash receipt without bill using a mobile phone - Google Patents

Abstract

The present invention relates to a method for issuing a cashless receipt using a mobile communication terminal, which is cheap when using a cash payment service, and receives a cash receipt by SMS.

To this end, the present invention is a merchant mobile communication terminal equipped with a cash payment application 41 for controlling the generation of payment information approval request information for cash by collecting the authentication information and purchase price information of the consumer and the corresponding merchant information. 40, the mobile communication company server 50, and issued the approval number by referring to the sales history approval request information for cash payment transmitted from the mobile communication company server 50, the issued approval number and the cash payment for A series of cash for performing a cash payment using a system consisting of an approval provider server 60 for transmitting the sales history approval information for cash payment generated by collecting the sales history approval request information to the merchant mobile communication terminal 40. Provide a payment step.

Cash, Payment, Receipt, SMS, Carrier, Merchant, IRS

Description

Issue method for cash receipt without bill using a mobile phone}             

1 is a schematic system configuration diagram of a conventional cash receipt issuing system,

2 is a schematic system diagram of a system for issuing a cashless receipt using a mobile communication terminal of the present invention;

3 is a flowchart schematically showing a step of performing a cash payment using a statementless cash receipt issuing system using a mobile communication terminal of the present invention;

4 is a flowchart illustrating a process 'A' of FIG. 3;

5 is a diagram illustrating various guide screens output to an affiliated mobile communication terminal.

<Code Description of Main Parts of Drawing>

10: credit card inquiry machine 11: cash receipt issuing device

20,60: Approved Business Server 30,70: IRS Server

40: mobile communication terminal for merchants 41: application for cash payment

50: mobile communication company server 81: initial guide screen

82: cash payment request screen 83: authentication information input guide screen

84: purchase price information guide screen 85: approval request waiting guide screen

86: Cash payment information guide screen 87: Recipient phone number input guide screen

90: receiver's mobile communication terminal

The present invention relates to a method for issuing a cash receipt, and more particularly, to a method for issuing a cashless receipt using a mobile communication terminal, in which a fee for using a cash payment service is low and a cash receipt can be issued by SMS. will be.

In general, cash and credit cards are mainly used as a payment method for goods purchase. Among these payment methods, cash has been recommended for use because of the risk of loss when carried to consumers, no benefit of income deduction, and the difficulty of securing transparency in tax revenue for sellers.

In other words, payment by credit card not only provides consumers with the convenience of use such as payment of goods purchased later, income deduction, etc., but also purchase-related details of products purchased by consumers. As a result, the government is actively encouraging the benefits that can be secured.

However, in spite of these advantages, there are still many consumers who pay for their goods in cash. To prevent tax evasion, the government enacted a cash receipt system (Article 126-3 of the Restriction of Special Taxation Act). When paying the bill, present an authentication means (resident registration number, mobile phone number, or various identification cards) indicating your identity, and the merchant issues a cash receipt through a credit card checker, and the details of each payment are notified to the IRS. Income deductions and clear tax revenues, which are the benefits provided in settlements, can also be obtained in cash payments.

Receipt, which provides this benefit, is fully implemented on January 1, 2005.

1 is a schematic system diagram of a conventional cash receipt issuing system.

As shown in the figure, the cash receipt issuing module 11 is equipped with a credit card inquiry machine 10, the approval operator server 20, and the IRS server 30.

The cash receipt issuing module 11 is a platform mounted on the credit card inquiry machine 10 to distinguish between a cash transaction and a credit transaction.

The approved operator server 20 mounts a cash receipt issuance module 11 at the cash receipt merchant and assigns the approval number to the cash receipt. Server.

Consumers must first register on the IRS website when they want to use a mobile phone number or credit card number among the authentication means representing their identity in order to issue a cash receipt using the general cash receipt issuing system.

In addition, the authentication means can also use the resident registration number mobile phone number, credit card number, credit card (e.g. cash back card) or membership card (e.g. SK gas station card) issued by the establishment allowed to issue cash receipts The serial numbers of the various cards described above can also be registered on the homepage of the IRS and used as an authentication means.

As such, in the state in which the authentication means is provided, the consumer not only pays the cash for the purchase price when purchasing the goods at the affiliated store that serves the cash receipt, but also notifies the authentication means (assuming a mobile phone number here).

The affiliated store performs a series of processes for requesting issuance of cash receipts by executing the cash receipt issuance module 11 mounted on the credit card inquiry machine 10. That is, a request for cash settlement, which is a series of processes guided by the cash receipt issuance module 11, prompts a user to select either a consumer income deduction or proof of business expenses, and selects an input termination after selecting a consumer income deduction. do.

Thereafter, the merchant owner manually enters the mobile phone number of the consumer, sequentially enters a purchase price to be paid by the consumer, and then selects the end of the input.

The cash receipt issuing module 11 generates the sales history approval request information for cash payment by collecting the inputted mobile number, the amount and the affiliated store information. Here, when a consumer wants to perform authentication using a magnetic card (credit card, credit card or membership card), the customer's authentication information recorded on the magnetic card is read using a magnetic reader to approve sales of cash payments. Request information can be generated.

The credit card inquiry machine 10 receives the payment history approval request information generated by the cash receipt issuing device 11 through a wired network such as a public switched telephone network (PSTN) or a dedicated line. To send.

The approval operator server 20 determines whether the approval is referred to by referring to the sales history approval request information for cash payment, and if the approval is approved, the approval number is transmitted to the credit card inquiry machine 10 through the wired network. The card inquiry machine 10 completes a cash payment by outputting a cash receipt-related sales slip through an output device (not shown) provided.

However, the cash payment method using the conventional cash receipt issuing system issues a sales receipt related to the cash receipt as a means of confirming the purchase of the goods purchased by the consumer. As a result, sales slip production costs are incurred, and sales slip inventory is inconvenient. Especially, a high-cost printer with a built-in printer for issuing sales slips for a credit card payment using a wireless credit card checker during a previous mobile sales or door-to-door sales There is a problem to be provided with a wireless credit card inquiry machine.

division Terminal price Fee system Wired network for conventional cash payment 20 ~ 300,000 won PSTN: 39 won per case (basic fee: 5,200 won) ADSL: no charge per case (basic fee: about 17,000 won) Conventional credit card payment wireless network 40-500,000 won Basic fee: 13,000 ~ 15,000 won Frequency plan: 10 ~ 18 won per 10 seconds (average 26 won per case) Wireless network for cash settlement of the present invention Use mobile phone possessed by merchant Basic fee: None Packet plan: 6.5 won per 512 bytes (average 13 won per case)

In addition, the cash payment method using the conventional cash receipt issuing system is a device (referred to as Table 1) for performing a cash card payment and a cash payment (including the existing wireless network for credit card payment) with reference to Table 1 There is a problem in that a communication fee (monthly basic fee) for use must be paid for a certain amount per month.

The present invention is to solve the problems of the prior art, the object of the present invention is to provide a cash receipt issued to the consumer as a short message service (SMS) rather than a slip to manage the inventory amount of the cash receipt related sales slip to the merchant owner The present invention provides a method of issuing a cashless receipt using a mobile communication terminal that provides convenience in use because it does not need to be performed.

Another object of the present invention is to provide a method for issuing a cashless receipt using a mobile communication terminal, which is very inexpensive because the packet fee is applied per case without paying the monthly basic fee separately.

Hereinafter, with reference to the accompanying drawings, the configuration and operation of the embodiment of the present invention will be described in detail.

2 is a schematic system diagram of a system for issuing a cashless receipt using a mobile communication terminal of the present invention.

As shown, the statementless cash receipt issuing system using the mobile communication terminal of the present invention collects the authentication information, purchase price information and the corresponding merchant information of the corresponding customer entered when the consumer pays the purchase price of the goods purchased by the customer in cash. To sell cash payments from the merchant mobile communication terminal 40 and the merchant mobile communication terminal 40 equipped with a cash payment application 41 for controlling the generation of payment history approval request information. Issuing the approval number for authenticating the approval by referring to the mobile communication company server 50 receiving the details approval request information and the sales history approval request information for cash payments transmitted from the mobile communication company server 50, and the issued approval Cash payment sales history approval information generated by combining a number and the sales history approval request information for cash settlement mobile communication terminal for the merchant. It consists approved provider server (60) sending (40).

The National Tax Service server 70 receives the sales history approval information for cash payment from the approval operator server 60, and divides it into databases for each merchant.

The cash payment application 41 is a program required for the merchant owner to perform the payment of cashless receipts using a mobile communication terminal, and the mobile communication company server through a mobile communication network using the mobile communication terminal 40 for the merchant ( 50) Or access to the approved operator server 60, download and install.

Here, the cash payment application 41 is programmed so that the merchant information of the office required for cash payment is input when the cash payment application 41 is mounted on the merchant mobile communication terminal 40.

In addition, when the affiliated store information is connected to the approved operator server 60 (or the mobile communication company server 50), the merchant information is first registered in the approved operator server 60, and then the application for cash payment to the mobile communication terminal 40 for the merchant. When the program 41 is downloaded, the affiliated store information may also be downloaded or may be downloaded separately after downloading the application.

As such, the cash settlement application 41 mounted in the affiliated mobile communication terminal 40 is displayed in text, graphic, or a combination thereof, and various guide screens 81-87 are required for requesting a cashless payment. When the output request of the screen display unit consisting of, and the various guide screens (81-87) required for requesting a cashless cash payment, the screen display unit is controlled to be output to the liquid crystal of the mobile communication terminal 40 for the merchant And, the control unit for generating the sales history approval request information for cash by combining the authentication information and purchase price information and the merchant information stored in the merchant mobile communication terminal 40 input according to the instructions of the corresponding guide screen output Is done.

As such, the configured cash payment application 41 is typically manufactured on the basis of a virtual machine (VM).

The merchant mobile communication terminal 40 uses any one of a cellular phone, a PCS, and a PDA.

In addition, the merchant mobile communication terminal 40 when the consumer requests the receipt of cash payment sales approval information received from the approval provider server 60 by a short message service (hereinafter referred to as SMS). It notifies the SMS to the recipient's mobile communication terminal that will receive the cash payment sales approval information. In this case, the short message service may be provided by the mobile communication company server 50, or the approval provider server 60 may be provided by directly operating the SMS module.

The approved operator server 60 divides the generated cash payment sales approval information into databases for each affiliated store, and views the cash sales through the affiliated store or consumer through a mobile communication terminal and a separately established website. To request a list of cash sales by day, month or year, referring to the period set by the merchant and the consumer, and notifying them by SMS, e-mail, or posting on the website for viewing. Service to do it. To this end, it is preferable that the approval operator server 60 is provided with an email server and a web server.

The sales information approval information for cash settlement includes a consumer's mobile phone number, merchant name, approval amount, approval number, and IRS cash receipt homepage address.

FIG. 3 is a flowchart schematically showing a step of performing a cash payment using a statementless cash receipt issuing system using a mobile communication terminal of the present invention, and FIG. 4 is a flowchart showing a process 'A' of FIG.

As shown, the cash payment process using the statementless cash receipt issuing system using the mobile communication terminal of the present invention executing the cash payment application program mounted on the mobile communication terminal for merchants (S10) and the cash Entering the authentication information and the purchase price information of the consumer according to the cash payment guide screen guided after running the application for payment (S20), the authentication information and the purchase price information of the consumer entered by the cash payment application; The previously stored merchant information is collected to generate sales history approval request information for cash payment (S30), and transmitting the generated sales history approval request information for cash payment to a mobile communication company server through a mobile communication network (S40). ), And transmitting the transmitted payment history approval request information to an approved operator server (S50), and the transmitted cash settlement. Issuing an approval number for acknowledging the approval with reference to the sales history approval request information for the mobile communication network, the sales history approval information for cash payment generated by combining the issued approval number and the sales history approval request information for cash payment Notifying through the merchant mobile communication terminal through the step (S60), and checking whether the consumer receives a request for receipt of the sales history approval information for cash payments notified to the merchant mobile communication terminal (S70), and for cash payment Checking whether the authentication information of the consumer included in the sales history approval request information is a phone number of the mobile communication terminal (S80), and the authentication information of the consumer included in the sales history approval request information for cash payment is the phone number of the mobile terminal. If not, requesting the input of the telephone number of the recipient's mobile communication terminal to receive the cash payment sales approval information (S90) and the request It made the cash payment approved sales history information for the phone number of the mobile terminal's receiving input to the step (S100) to notify using SMS.

After step S60 of notifying the generated sales information for cash payment approval information to the mobile communication terminal for merchants through a mobile communication network, storing the generated cash payment sales approval information for each affiliated store and accumulating them (S61) and In addition, the sales information approval information accumulated for each payment by the affiliated stores is divided into periods set by the affiliated owner during a daily, monthly or yearly period, and the cash sales information is processed into a list, and the mobile communication network for the affiliated store is processed through the mobile communication network. And notifying the terminal by using either SMS or email (S62).

The list of cash sales processed by the period is posted on the website so that it can be viewed and displayed on the website.

After the step S60 of notifying the generated cash payment sales approval information to the mobile communication terminal for merchants through the mobile communication network, transmitting the generated cash payment sales approval information to the IRS server every predetermined cycle (S63). It includes.

After the step S100 of notifying the cash payment sales approval information using the SMS to the telephone number of the recipient's mobile communication terminal input by the request,

Checking whether there is an additional cash payment request (S110), and if there is an additional cash payment request, entering the authentication information and the purchase price information of the consumer according to the cash payment guide screen guided after executing the application for cash payment. Returning to step S20, if there is no additional cash payment request includes the step of waiting for the cash payment request (S120).

When the merchant owner wants to perform the statementless cash payment using the statementless cash receipt issuing system using the mobile communication terminal of the present invention configured as described above, the member pays the cash to the merchant mobile communication terminal 40 possessed by the merchant first. Application 41 must be loaded.

To this end, the affiliated store owner connects to the approved operator server 60 (or the mobile communication company server 50) in which the cash payment application 41 is registered through the mobile communication network 40 using the affiliated mobile communication terminal 40.

When the affiliated mobile communication terminal 40 accessing the approved operator server 60 requests a download of the cash payment application 41, the mobile communication company server 50 stores the cash payment application 41 stored in a specific DB unit. ) Is transmitted to the mobile communication terminal 40 for the merchant through a wireless network. At this time, the cash payment application 41 is programmed to be automatically installed, the cash payment application 41 is automatically installed at the same time as being transmitted to the merchant mobile communication terminal 40. In this way, the merchant information download screen (not shown) for downloading the merchant information during the automatic installation of the cash payment application 41 is output.

Here, the affiliated store information includes a business number, affiliated store name, affiliated store address, telephone number, representative name, a unique number of a credit card lookup device currently owned by the merchant.

When requesting to download merchant information through the merchant information download screen output on the liquid crystal of the affiliate mobile communication terminal 40, the merchant information download request information is transmitted to the approved operator server 60 via the mobile communication company server 50, Approved operator server 60 extracts the merchant information corresponding to the transmitted merchant information download request information from the merchant DB unit (not shown), and the extracted merchant information is transferred to the merchant via the mobile communication company server 50. By transmitting to the communication terminal 40, the installation of the cash payment application 41 is completed.

As such, in the state in which the cash payment application 41 is mounted on the mobile communication terminal 40 for the affiliated store, the affiliated store owner may request cash on the liquid crystal of the mobile communication terminal 40 for the merchant in order to request the cash payment of the sold product. The payment application 41 is executed (S10).

5 is a diagram illustrating various guide screens output to an affiliated mobile communication terminal.

As shown, the initial guide screen 81 is output to the liquid crystal of the merchant mobile communication terminal 40 by the execution of the cash payment application 41, the merchant is operating the confirmation button (not shown) A cash payment request screen 82 is outputted.

The affiliated store owner refers to the cash payment request screen 82 output on the liquid crystal of the mobile communication terminal 40 for the affiliated store, and operates a button for requesting approval of the cash receipt. 83) and input the authentication information such as the telephone number or resident registration number of the consumer's mobile communication terminal according to the input form with reference to the authentication information input guide screen 83 output by the output request, and then press the OK button. Press to output the purchase price information input guide screen 84.

The affiliated store owner displays the purchase price input column, VAT input column and service charge input column on the purchase price information input screen 84 outputted on the liquid crystal of the mobile communication terminal 40 for the affiliated store. Enter the purchase price information accordingly (S20) and then press the OK button. Here, the cash payment application 41 is programmed to temporarily store the input authentication information and purchase price information in the memory unit (not shown) provided in the mobile communication terminal 40 for the merchant.

Cash payment application (41) is input to each of the authentication information and purchase price information stored temporarily in the memory unit and the merchant information stored when installing the program to generate the sales history approval request information for cash payment (S30), and move it Control to transmit to the communication company server 50 (S40) and at the same time outputs the approval request waiting guide screen 85 indicating that the approval request of the cash payment to the liquid crystal of the mobile communication terminal 40 for the merchant.

When the mobile telecommunication company server 50 transmits the transmitted cash settlement sales history approval request information to the approved operator server 60 (S50), the approved operator server 60 refers to the transmitted cash settlement sales history approval request information. Determine whether to approve the cash payment, issue the approval number if approved, and move the cash payment sales approval information generated by combining the issued approval number and the sales payment approval request information for cash payment. Via the communication company server 50 is transmitted to the mobile communication terminal 40 for the merchant (S60).

At this time, the approval operator server 60 accumulates and stores the generated cash payment sales history approval information in the affiliate store database of the affiliate store DB (S61). In addition, cumulatively stored sales information approval information for merchants for each merchant is processed into a list every time period set by the merchant owner (for example, daily, monthly or yearly) SMS to the merchant mobile communication terminal 40 through the mobile communication network By notifying (S62), the merchant offers to check the sales history for each period. Here, the sales history approval information for cash payments processed as a list for each period set by the merchant may be notified by e-mail together with the SMS notification, and may be posted and viewed on a website operated by the approval operator server 60. To be provided.

The approval operator server 60 transmits the generated cash settlement sales history approval information to the IRS server 70 every predetermined period, that is, every day (S63).

Cash payment application 41 of the merchant mobile communication terminal 40 reads the payment history approval information for cash payments sent to the merchant owner can extract the purchase price information and the approval number, and the cash payment history After display on the amount display column and the approval number display column that is empty of the guide screen 86, the control is output to the liquid crystal of the mobile communication terminal 40 for the merchant.

Merchants and consumers check the purchase price and the authorization number displayed on the cash payment history guide screen 86 output on the liquid crystal of the mobile communication terminal 40 for the merchant. At this time, the consumer can receive the cash payment history (aka cash receipt) displayed on the cash payment history guide screen (86) by SMS instead of a slip (S70).

To this end, the cash payment information guide screen 86 has an SMS transmission guide column for guiding SMS transmission and presses the number button indicated by the SMS transmission guidance column.

At this time, if you want to receive the cash payment details by SMS, the phone number of the mobile communication terminal received is information previously entered, and whether to receive it as the phone number of the mobile communication terminal as the authentication information of the consumer from the sales history approval request information for cash payment. Or it should be determined whether to receive a new phone number (S80).

First, in order to receive the phone number of the mobile communication terminal as the consumer's authentication information among the sales request for approval of cash payment, the phone number of the mobile communication terminal, which is the authentication information of the previously stored consumer, is extracted, and the extracted mobile communication terminal Notify the sales history approval information for cash payment by using a telephone number (S81).

In addition, if you want to receive the cash payment details to the phone number of the new mobile communication terminal cash payment application 41 outputs the recipient's phone number input guide screen 87 on the liquid crystal of the merchant mobile communication terminal 40 Control as possible.

Recipient's phone number input guide screen (87) output on the liquid crystal of the merchant mobile communication terminal (40) is a guide screen for requesting the recipient's mobile communication terminal phone number input to receive the cash payment received according to the input form After the user enters the mobile communication terminal phone number (S90) and presses the OK button, the SMS payment sales approval information constituting the displayed cash payment history is notified by SMS to the recipient's mobile communication terminal 90 (S100). Provide consumers with more convenient management of cash receipts.

Thereafter, the cash payment application 41 checks whether there is an additional cash payment request (S110), and if there is an additional cash payment request, performs the cash payment by repeating the above-described process, and the additional cash payment request is If there is no wait until the request for cash payment (S120).

In addition, if the consumer has a dissatisfaction with the product purchased using cash payment, the consumer may perform the deauthorization of the purchased product.

To this end, by using the cash payment application 41 of the merchant mobile communication terminal 40 for generating the cash payment sales history cancellation request information, and the generated cash payment sales history cancellation request information to the mobile communication company server Transfer to 50.

Here, the sales history cancellation request information is made up of the customer authentication information, cancellation price information and cancellation target merchant information, business number, representative name, business address, business phone number, etc.

When the mobile communication company server 50 transmits the transmitted cash settlement sale history cancellation request information to the approved operator server 60, the approved operator server 60 refers to the transferred cash settlement sales history cancellation request information for cash settlement. Cancel the approval of the product purchased by cash payment by generating the sales history cancellation information for the transaction, and transmitting the generated sales history cancellation information for the cash payment to the mobile communication terminal 40 for the merchant via the mobile communication company server 50. To complete.

At this time, the approved operator server 60 accumulates and stores the generated cash payment sales history cancellation information in the affiliate store database of the affiliate store DB unit.

As described above, the present invention provides the convenience of use because it does not need to manage the amount of cash receipts related sales slips to the merchant owners by providing the cash receipts by SMS so that the cash receipts are automatically accumulated in the consumer's mobile communication terminal. do.

In addition, since the packet fee is applied when performing cash payment, the fee is very low.

Claims (4)

Executing a cash payment application program mounted in the mobile communication terminal for the affiliated store (S10); Inputting the authentication information and the purchase price information of the consumer according to the cash settlement guide screen guided after executing the cash settlement application (S20); (S30) generating sales information approval request information for cash payment by combining the authentication information and purchase price information of the consumer inputted by the cash settlement application program and previously stored merchant information; Transmitting the generated sales information approval request for cash payment to a mobile communication company server through a mobile communication network (S40); Transmitting the transmitted payment history approval request information for an approved operator server (S50); Issuing an approval number for acknowledging the approval by referring to the transferred payment settlement approval request information for the cash settlement, approving the sales history for cash settlement generated by combining the issued approval number and the sales settlement approval request information for the cash settlement Notifying the information to the affiliated mobile communication terminal through the mobile communication network (S60); A step of confirming, by the consumer, whether there is a request for receipt of the sales payment approval information for cash payment notified to the affiliated mobile communication terminal (S70); Checking whether the authentication information of the consumer included in the sales history approval request information for cash payment is the phone number of the mobile communication terminal (S80); If the consumer's authentication information included in the cash payment sales approval request information is not the phone number of the mobile communication terminal, requesting to input the phone number of the mobile communication terminal of the recipient to receive the cash payment sales approval information. (S90) and, Issuing a cashless receipt using a mobile communication terminal characterized in that the step of notifying the cash payment sales approval information using the SMS to the telephone number of the mobile communication terminal input by the request (S100). Way. The method of claim 1, wherein after the step S60 of notifying the generated cash payment sales approval information to the affiliated mobile communication terminal through a mobile communication network, the generated cash payment sales approval information is classified and stored for each affiliate store. Step (S61) and The cash sales sales approval information, which is stored by dividing by the affiliated stores, is classified into periods set by the affiliated stores among daily, monthly or yearly periods, and the cash sales information is processed into a list, and the mobile communication terminal for the affiliated stores through the mobile communication network. Issuing a cashless receipt using a mobile communication terminal, characterized in that it comprises the step (S62) of using either SMS or email. The method of claim 2, wherein the list of cash sales processed by the period is processed and published on a web site for viewing. The method of claim 1, wherein in step S80 of confirming whether the authentication information of the consumer included in the sales transaction approval request information for cash payment is a phone number of a mobile communication terminal, the consumer included in the sales history approval request information for cash payment When the authentication information is a phone number of the mobile communication terminal, the phone number of the mobile communication terminal, which is previously stored authentication information of the consumer, is extracted, and the sales history approval information for cash payment is transferred to the extracted phone number of the mobile communication terminal. Method of issuing a cashless receipt using a mobile communication terminal, characterized in that it comprises a step (S81) to notify using SMS.

Images