KR101625916B1 - Method And Apparatus For Issuing Electronic Receipt - Google Patents

Method And Apparatus For Issuing Electronic Receipt Download PDF

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Publication number
KR101625916B1
KR101625916B1 KR1020150163714A KR20150163714A KR101625916B1 KR 101625916 B1 KR101625916 B1 KR 101625916B1 KR 1020150163714 A KR1020150163714 A KR 1020150163714A KR 20150163714 A KR20150163714 A KR 20150163714A KR 101625916 B1 KR101625916 B1 KR 101625916B1
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South Korea
Prior art keywords
electronic receipt
information
server
payment
terminal
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KR1020150163714A
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Korean (ko)
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이동호
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디에이치이노시스 주식회사
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/44—Arrangements for executing specific programs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates

Abstract

A method and apparatus for issuing an electronic receipt are disclosed.
(SW) provided to the merchant terminal, a separate server for processing the functions related to the electronic receipt, and an API (Application) using a separate standardized communication protocol Programming Interface) is provided to a business operator to provide an electronic receipt issuance system and an electronic receipt issuing method and apparatus for enabling the recipient's receiving module and other related systems to interoperate independently of a solution.

Description

TECHNICAL FIELD [0001] The present invention relates to a method and apparatus for issuing an electronic receipt,

The present embodiment relates to a method and an apparatus for issuing an electronic receipt capable of drastically reducing system construction cost, development period, operating cost, and securing convenience and versatility of an electronic receipt user.

The contents described below merely provide background information related to the present embodiment and do not constitute the prior art.

Normally, when a commercial transaction occurs in which goods or services are bought or sold, the buyer receives a receipt issued on paper from the seller. If the buyer later cancels the purchase or refunds the purchase, the receipt issued on paper must be given back to the seller. Therefore, the buyer must keep the receipt issued on paper until the goods or service can be determined, and there is a problem that the receipt issued on paper is likely to be lost or damaged.

In the case of sellers, even if the sales and commercial transaction details are digitized and stored in the database, the receipt issued to the purchaser must be separately provided to the purchaser, resulting in cost incurred due to the output of the paper receipt, and maintenance costs of the printer It is necessary to reduce the cost of issuing separate receipts.

In recent years, the need for electronic receipts that can replace paper receipts is emerging as information and communication technologies are developed. Electronic receipts are stored on a computer-readable recording medium, so unlike receipts issued on paper, the risk of loss or damage is low. However, in reality, receipts issued in paper form have been issued and used in many commercial transactions.

Therefore, there is a problem that the cost of printing out paper receipt is still required from the seller's point of view, and there is a problem that the buyer must take the inconvenience of storing the paper receipt, and even if the electronic receipt is used, only the affiliated company issues the electronic receipt , There is a problem that there is a lot of inconvenience from the viewpoint of the consumer because the versatility is inferior and it can only be used in a limited manner.

In this embodiment, an application installed in a smart phone for issuing an electronic receipt, software (SW) provided in the merchant terminal, and a separate server for processing functions related to the electronic receipt are constructed, and a separate standardized communication protocol is used It is an object of the present invention to provide a method and an apparatus for issuing an electronic receipt by providing an API (Application Programming Interface) to a business entity, thereby enabling an electronic receipt issuer system, a receiving module of a receiver, and other related systems to interoperate independently of a solution.

According to an aspect of the present embodiment, in the electronic receipt issuing method,

An approval process for receiving payment approval information from a financial institution server at an affiliate terminal; A confirmation step of requesting an electronic receipt management server to confirm an electronic receipt object based on the payment approval information at the merchant terminal; A control step of controlling output of a paper receipt based on a result of checking the electronic receipt object received from the electronic receipt management server at the merchant terminal; And an issuance process of issuing an electronic receipt for payment details received from the consumer terminal in the electronic receipt management server.

According to another aspect of the present invention, there is provided an information processing apparatus including an approval unit for receiving payment approval information from a financial institution server; A confirmation unit for confirming an electronic receipt object based on the payment approval information; A control unit for controlling the output of the paper receipt based on the result of checking the electronic receipt object; And an issuer for issuing an electronic receipt for the payment details based on the payment details received from the consumer terminal.

As described above, according to the present embodiment, a separate server for processing an application installed in a smart phone for issuing an electronic receipt, software (SW) provided to an affiliate terminal, and an electronic receipt is constructed, It is possible to provide an API (Application Programming Interface) using a standardized communication protocol to a business entity, thereby enabling an electronic receipt issuer system, a receiving module of a receiver, and other related systems to interoperate independently of a solution.

According to the present embodiment, the system construction cost, the development period, the operation cost, and the like can be drastically reduced, and the convenience and versatility of the electronic receipt user can be secured.

According to the present embodiment, there is an effect of providing a solution that can provide paperless, point accumulation, advertisement, and publicity by issuing an electronic receipt, and can also manage an overall electronic receipt.

1 is a block diagram schematically showing an electronic receipt issuing system according to the present embodiment.
2 is a block diagram schematically showing an apparatus for issuing an electronic receipt according to the present embodiment.
3 is a flowchart illustrating an electronic receipt issuing method according to the present embodiment.
4 is a diagram for explaining a card settlement operation method according to the present embodiment.
5 is a diagram for explaining a method of issuing an electronic receipt to a consumer terminal according to the present embodiment.
6 is a view for explaining a method of providing an electronic receipt according to a provider according to the present embodiment.
7 is a diagram for explaining a method of providing an API to a merchant terminal in a distribution company server according to the present embodiment.
8 is a diagram for explaining a method of issuing an electronic receipt using communication and parallel processing (asynchronous processing) in an affiliate terminal according to the present embodiment.
9 is a diagram for explaining a method of linking an electronic receipt application installed in a consumer terminal according to the present embodiment.
10 is a diagram for explaining a method of providing a promotion to a consumer terminal in an electronic receipt management server according to the present embodiment.
11 is a diagram for explaining issuance and use of points, coupons using electronic receipts in the electronic receipt management server according to the present embodiment.
12 is a diagram for explaining an advertisement and promotion differentiation method using a general service according to the present embodiment.
FIG. 13 is a configuration diagram showing each component of the electronic receipt issuing system according to the present embodiment.

Hereinafter, the present embodiment will be described in detail with reference to the accompanying drawings.

1 is a block diagram schematically showing an electronic receipt issuing system according to the present embodiment.

The electronic receipt issuing system according to the present embodiment includes a customer terminal 110, a provider server 120, a point of sale (POS) 130, an electronic receipt management server 140, a Value Added Network (VAN) 150, and a financial institution server 160. The components included in the electronic receipt issuing system are not limited thereto.

The electronic receipt issuing system includes a system for automatically issuing an electronic receipt using an electronic receipt application installed in the consumer terminal 110 when a customer purchases goods or services at a store and makes payment by card payment or mobile payment and other payment means to be.

The consumer terminal 110 is an electronic device capable of transmitting and receiving various data via a network according to a key operation of a user. The consumer terminal 110 may be a tablet PC, a laptop, a personal computer (PC), a smart phone, a personal digital assistant (PDA) A mobile communication terminal, or the like. The consumer terminal 110 refers to an electronic device that performs voice or data communication using a network. The consumer terminal 110 is a terminal having a memory for storing a program or a protocol for communicating with the electronic receipt management server 140 via a network, a microprocessor for executing and controlling the program, do.

The consumer terminal 110 includes a communication terminal such as (i) a communication device such as a communication modem for performing communication with various devices or wired / wireless communication networks, (ii) a memory for storing various programs and data, (iii) A microprocessor for controlling the microprocessor, and the like. According to at least one embodiment, the memory may be a computer such as a random access memory (RAM), a read only memory (ROM), a flash memory, an optical disk, a magnetic disk, or a solid state disk Readable recording / storage medium. According to at least one embodiment, a microprocessor can be programmed to selectively perform one or more of the operations and functions described in the specification. In accordance with at least one embodiment, the microprocessor may be implemented in hardware, such as an Application Specific Integrated Circuit (ASIC), in wholly or partially of a particular configuration.

The consumer terminal 110 according to the present embodiment can receive an electronic receipt by mounting an electronic receipt application. The consumer terminal 110 drives the electronic receipt application by a user's operation or command, and manages all electronic receipts using the electronic receipt application. The electronic receipt application may be installed after downloading the electronic receipt application using the application store if the consumer terminal 110 is a smart phone, and may be installed when the consumer terminal 110 is a feature phone. And may be operated on a VM (Virtual Machine). The electronic receipt application may be embedded in an OS (Operating System) mounted on the consumer terminal 110 or may be installed in the form of being installed in the consumer terminal 110 by a user's operation or command.

The electronic receipt application is preferably installed in the consumer terminal 110 and operated using various hardware provided in the consumer terminal 110. However, the electronic receipt application is not limited thereto and may be implemented as a separate device. The electronic receipt application may operate in conjunction with the applications installed in the consumer terminal 110. [

When the consumer terminal 110 according to the present embodiment receives a settlement approval result in a paperless manner from the merchant terminal 130, the consumer terminal 110 transmits the payment details and the position value to the electronic receipt management server 140.

When the consumer terminal 110 according to the present embodiment receives the electronic receipt from the electronic receipt management server 140, the consumer terminal 110 confirms the issued electronic receipt using the installed electronic receipt application. The consumer terminal 110 transmits detailed information related to the settlement to the business server 120 using the API when the detail information including the purchase form and the unit price related to the settlement related to the electronic receipt is additionally required.

The provider server 120 transmits the receipt details, point accumulation, coupon, advertisement, and promotion information to the consumer terminal 110 corresponding to the payment information using the API.

The merchant terminal 130 is preferably a POS (Point Of Sales) terminal, but is not limited thereto. The merchant terminal 130 refers to a terminal that manages products for sale in real time. The merchant terminal 130 connects the cash register of the merchant store to the computer of the merchant's head office. The merchant terminal 130 refers to a system that performs sales management, inventory management, and merchandise management by inputting sales data while selling. The merchant terminal 130 scans the attached barcode in the manufacture / production stage of the merchandise to perform the selling point management. The merchant terminal 130 is always linked to the electronic receipt management server 140. The merchant terminal 130 transmits the payment amount information to the electronic receipt management server 140. [ The merchant terminal 130 combines the functions of a cash register and a computer terminal and means a point-of-sale information management system. The merchant terminal 130 is a system for collectively managing sales-related data and collecting customer information to improve the added value.

The merchant terminal 130 may be implemented in various types of platforms and may be configured to employ a secure protocol such as HyperText Transfer Protocol over Secure Socket Layer (HTTPS) and a TCP / IP communication protocol with the provider server 120 and the electronic receipt management server 140 POST method and specialized data communication can be performed. The merchant terminal 130 provides a universal control DLL (Dynamic Linking Library) module capable of supporting various types of languages including JAVA, C #, VB (Visual Basic), and DELPHI to support the TCP / IP communication protocol The general-purpose control DLL module can communicate with the server server 120 and the electronic receipt management server 140 independently of the operating system of the terminal platform and the server. It is possible to provide the result information in various forms including SOAP.

Upon receipt of the payment request, the merchant terminal 130 sends the payment approval information to the provider server 120 while sending a payment approval request. At this time, the general-purpose control DLL module of the merchant terminal 130 can transmit payment history information in the form of XML, JSON, or SOAP requested by the provider server 120. When the merchant terminal 130 receives the payment request, the merchant terminal 130 transmits an electronic receipt object confirmation request to the electronic receipt management server 140 to check whether the customer who has requested payment is a customer who receives the electronic receipt, do. At this time, the general-purpose control DLL module of the merchant terminal 130 may transmit the electronic receipt object confirmation request result information to one of XML, JSON, and SOAP according to the form of the result message requested by the electronic receipt management server 140, The operation server 140 can confirm whether or not the electronic receipt issuance target, and transmit the result in XML, JSON, or SOAP. However, the means for transmitting the result of the present invention is not limited thereto and may be transmitted in various forms.

If the universal control DLL module is used as described above, it is possible to interoperate with each other according to the form requested by the electronic receipt management server 140 and the provider server 120 without depending on the operating system or platform of the merchant terminal 130 .

The merchant terminal 130 according to the present embodiment transmits (confirms) the payment information of the consumer to the VAN 150 when the consumer performs the 'card payment' or the 'mobile payment' using the consumer terminal 110 . The merchant terminal 130 receives settlement approval information from the financial institution server 160 (card company, bank server) via the VAN 150. [ The merchant terminal 130 receives payment approval information from the financial institution server 160 (card company or bank server) via the VAN 150 and requests the electronic receipt management server 140 to confirm the electronic receipt object. The merchant terminal 130 determines whether or not to output the paper receipt based on whether the electronic receipt issuance target is an object based on the electronic receipt object check result received from the electronic receipt management server 140. If the electronic receipt issuance target is the electronic receipt issuance server, To the consumer terminal 110 in a paperless manner.

The merchant terminal 130 according to the present embodiment transmits (confirms) the payment information of the consumer to the VAN 150 when the consumer performs the 'card payment' or the 'mobile payment' using the consumer terminal 110 . The merchant terminal 130 receives settlement approval information from the financial institution server 160 (card company, bank server) via the VAN 150. [ The merchant terminal 130 receives payment approval information from the financial institution server 160 (card company or bank server) via the VAN 150 and requests the electronic receipt management server 140 to confirm the electronic receipt object.

The electronic receipt management server 140 confirms the electronic receipt object and transmits the electronic receipt object confirmation result to the affiliate shop terminal 130 according to the presence or absence of the object person. The merchant terminal 130 does not output or output the paper receipt based on the result of checking the electronic receipt object received from the electronic receipt management server 140. [

The financial institution server 160 (card company, bank server) transmits the payment approval information to the VAN 150 and then transmits the payment approval result message to the consumer terminal 110. The consumer terminal 110 that has received the payment approval result message from the financial institution server 160 (card company or bank server) transmits the payment details and location information (latitude and longitude information) to the electronic receipt management server 140.

When the card settlement, the cash settlement, or the mobile settlement is completed, the electronic receipt administration server 140 issues an electronic receipt to the consumer terminal 110 equipped with the electronic receipt application.

The VAN 150 is a kind of server operated by the subsidiary network operator and is connected between the affiliate shop terminal 130 and the financial institution server 160 as a value added communication network to relay request information for electronic payment and payment, And performs transmission and reception functions.

The VAN 150 according to the present embodiment transmits the payment information received from the merchant terminal 130 to the financial institution server 160 (card company, bank server). Then, the VAN 150 transmits the approval result of the payment information received from the financial institution server 160 (card company, bank server) to the affiliate shop terminal 130.

The financial institution server 160 includes a card issuer server and a bank server. When receiving a settlement request signal from the VAN 150, the financial institution server 160 transmits a result of performing approval processing for the settlement request to the VAN 150.

The financial institution server 160 refers to a device including at least one of a card issuer server, a bank server, a traffic agency server, and a mobile payment server for performing electronic settlement. Of course, the financial institution server 160 may be implemented by any one of a card issuer server, a bank server, a traffic agency server, and a mobile payment server. The financial institution server 160 performs the function of accepting the settlement request signal received from the merchant terminal 130 via the VAN 150 and generating the settlement completion information for performing settlement processing. The financial institution server 160 transmits the settlement completion information to the VAN 150.

The financial institution server 160 (credit card company, bank server) according to the present embodiment transmits to the VAN 150 the payment approval information that has processed approval of the payment information. In addition, the financial institution server 160 (credit card company, bank server) transmits the payment approval information processing approval of the payment information to the user through a Short Message Service (SMS), a Multimedia Messaging Service (MMS), a Long Message Service (Push Message) to the consumer terminal 110 corresponding to the payment information.

The overall operation of the electronic receipt issuing system will be described based on Fig.

①. When the consumer intends to settle a specific commodity, the 'card settlement' or the 'mobile settlement' using the consumer terminal 110 is performed.

②. The merchant terminal 130 transmits the payment information of the consumer to the VAN 150 (approval request) when the consumer performs the 'card payment' or the 'mobile payment' using the consumer terminal 110.

③. The VAN 150 transmits the payment information received from the merchant terminal 130 to the financial institution server 160 (card company, bank server).

④. The financial institution server 160 (credit card company, bank server) transmits the payment approval information processing the approval of the payment information to the VAN 150. Also, the financial institution server 160 (credit card company, bank server) transmits the payment approval information, which has processed approval of the payment information, to the consumer terminal 110 (110) corresponding to the payment information in the form of SMS, MMS, LMS, ).

⑤. The consumer terminal 110 transmits the payment details and the position value to the electronic receipt management server 140.

⑥. The merchant terminal 130 receives settlement approval information from the financial institution server 160 (card company, bank server) via the VAN 150. [ The merchant terminal 130 transmits the payment details and payment details to the provider server 120.

⑦. The merchant terminal 130 receives payment approval information from the financial institution server 160 (card company or bank server) via the VAN 150 and requests the electronic receipt management server 140 to confirm the electronic receipt object.

⑧. The electronic receipt management server 140 confirms the electronic receipt object and transmits the electronic receipt object confirmation result to the affiliate shop terminal 130 according to the presence or absence of the object person.

⑨. The merchant terminal 130 does not output or output the paper receipt based on the result of checking the electronic receipt object received from the electronic receipt management server 140. [

(10) The electronic receipt management server 140 receives the payment details and the position value from the consumer terminal 110, and issues the electronic receipt to the consumer terminal 110.

⑪. The consumer terminal 110 confirms the issued electronic receipt using the installed electronic receipt application. The consumer terminal 110 requests details of the settlement by using the API to the provider server 120 when the detail information related to settlement related to the electronic receipt is additionally required.

⑫. The provider server 120 transmits the receipt details, point accumulation, coupon, advertisement, and promotion information to the consumer terminal 110 corresponding to the payment information using the API.

2 is a block diagram schematically showing an apparatus for issuing an electronic receipt according to the present embodiment.

The electronic receipt issuing apparatus 200 according to the present embodiment includes an acknowledgment unit 210, an acknowledgment unit 220, a control unit 230, and an issuance unit 240. The components included in the electronic receipt issuing device 200 are not necessarily limited thereto.

The electronic receipt issuing device 200 refers to one device including the merchant terminal 130 and the electronic receipt operating server 140.

Each component included in the electronic receipt issuing device 200 may be connected to a communication path connecting a software module or a hardware module in the apparatus so as to operate organically with each other. These components communicate using one or more communication buses or signal lines.

Each component of the electronic receipt issuing device 200 shown in FIG. 2 means a unit for processing at least one function or operation, and may be implemented as a software module, a hardware module, or a combination of software and hardware.

When the approval unit 210 intends to perform card settlement or mobile settlement in conjunction with the financial institution server 160, the approval unit 210 performs an approval process for the settlement information. The approval unit 210 transmits the payment information to the financial institution server 160 via the VAN 150 when the payment information is requested, and requests approval. The approval unit 210 receives payment approval information from the financial institution server 160 via the VAN 150. [

The confirmation unit 220 confirms the electronic receipt object based on the payment approval information. The confirmation unit 220 receives the payment approval information from the financial institution server 160 via the VAN 150, inquires the stored DB, and confirms whether the electronic receipt is present or not.

The control unit 230 does not output or output the paper receipt depending on the presence or absence of the electronic receipt object based on the result of the electronic receipt object identification. For example, if the identification information corresponding to the payment approval information is found to be the subject of the electronic receipt, the control unit 230 does not output and issue the paper receipt.

The issuing unit 240 receives payment information from the consumer terminal 110 as essential information and selectively receives the position value. The issuing unit 240 issues an electronic receipt for the payment details to the electronic receipt application installed in the consumer terminal 110 based on the payment details from the consumer terminal 110. [

3 is a flowchart illustrating an electronic receipt issuing method according to the present embodiment.

The electronic receipt management server 140 transmits URL information for inducing installation of the electronic receipt program to the merchant terminal. The merchant terminal 130 downloads and installs the electronic receipt application using the URL information. When the merchant terminal 130 wants to perform card settlement or mobile settlement, the merchant terminal 130 transmits the settlement information to the VAN 150 and requests approval. The VAN 150 transmits the payment information received from the merchant terminal 130 to the financial institution server 160. The financial institution server 160 transmits the settlement approval information, which has processed approval of the payment information, to the VAN 150, and simultaneously transmits the payment approval information to the consumer terminal 110 in the form of an SMS MMS, an LMS, or a push message. The merchant terminal 130 receives payment approval information from the financial institution server 160 via the VAN 150 (S310).

The merchant terminal 130 requests the electronic receipt management server 140 to confirm the electronic receipt object based on the payment approval information (S320). The merchant terminal 130 controls the printer of the merchant terminal 130 based on the result of the electronic receipt object received from the electronic receipt management server 140 to output or not output the paper receipt in operation S330. In step S330, the merchant terminal 130 confirms the provider information, and transmits the payment details to the electronic receipt management server 140 when the provider information is a small business. The merchant terminal 130 performs the communication parallel processing in step S310 (communication with the financial institution server 160), step S320 (communication with the electronic receipt management server 140), and step S330 (communication with the consumer terminal 110) So that the settlement delay and the customer wait time are reduced.

The electronic receipt management server 140 issues an electronic receipt for the payment details received from the consumer terminal 110 (S340). In step S340, the electronic receipt management server 140 transmits specific advertisement, event, and promotion information to the electronic receipt management server 140 according to at least one of a specific product, a specific time, a specific day, a specific date, a specific time, And transmits it to the consumer terminal 110 at the same time.

In step S340, the electronic receipt management server 140 exposes a specific event or advertisement to the customer's electronic receipt on the receipt purchased at a specific time, or exposes a specific event or advertisement to the receipt of the specific area on the receipt. In step S340, the electronic receipt management server 140 automatically accumulates points and mileage according to points and mileage accumulation rates of the corresponding settlement stores, and accumulates and uses points and miles without additional actions for accumulating points or possessing a point card do.

After step S340, the consumer terminal 110 confirms the issued electronic receipt using the loaded electronic receipt application. When the consumer terminal 110 desires to additionally request the history information related to the electronic receipt, the consumer terminal 110 requests the detail information to the vendor server 120 using the API. The provider server 120 transmits details information including at least one of the receipt details, point accumulation, coupon, advertisement, and promotion information to the consumer terminal 110 using the API.

After the step S340, the merchant terminal 130 confirms the service provider information, and if the service provider information is a large-sized service provider, transmits detail information related to the electronic receipt to the separate service provider server 120. [ The provider server 120 transmits details information related to the electronic receipt to the electronic receipt application installed in the consumer terminal 110 using the standardized API.

Although it is described in Fig. 3 that steps S310 to S340 are sequentially executed, the present invention is not limited thereto. In other words, FIG. 3 is not limited to the time series order, as it would be applicable to changing and executing the steps described in FIG. 3 or performing one or more steps in parallel.

As described above, the electronic receipt issuing method according to the embodiment described in FIG. 3 can be implemented by a program and recorded in a computer-readable recording medium. A program for implementing the electronic receipt issuing method according to the present embodiment is recorded, and a computer-readable recording medium includes all kinds of recording devices for storing data that can be read by a computer system.

4 is a diagram for explaining a card settlement operation method according to the present embodiment.

①. When a consumer intends to pay for a specific commodity, the card settlement is performed.

②. The merchant terminal 130 transmits (confirms) the payment information of the consumer to the VAN 150 when the consumer makes a card payment.

③. The VAN 150 transmits the payment information received from the merchant terminal 130 to the financial institution server 160 (card company, bank server).

④. The financial institution server 160 (credit card company, bank server) transmits the payment approval information processing the approval of the payment information to the VAN 150. Also, the financial institution server 160 (credit card company, bank server) transmits the payment approval information, which has processed approval of the payment information, to the consumer terminal 110 (110) corresponding to the payment information in the form of SMS, MMS, LMS, ).

⑤. The merchant terminal 130 receives settlement approval information from the financial institution server 160 (card company, bank server) via the VAN 150. [

⑥. The consumer terminal 110 transmits the payment details and the position value to the electronic receipt management server 140.

⑦. The electronic receipt management server 140 receives payment details and position values from the consumer terminal 110 and performs business matching to generate electronic receipts.

⑧. The electronic receipt management server 140 issues an electronic receipt generated by the consumer terminal 110.

5 is a diagram for explaining a method of issuing an electronic receipt to a consumer terminal according to the present embodiment.

①. The electronic receipt management server 140 transmits URL information for installing the electronic receipt program to the merchant terminal 130.

②. The merchant terminal 130 downloads and installs the electronic receipt application using the URL information received from the electronic receipt management server 140. [ The electronic receipt application installed in the merchant terminal 130 can be downloaded from a separate application provider.

③. The merchant terminal 130 performs settlement using the financial institution server 160 when a consumer performs settlement.

④. After the merchant terminal 130 performs settlement, the merchant terminal 130 requests the electronic receipt management server 140 to confirm the electronic receipt object.

⑤. The electronic receipt administration server 140 confirms the presence or absence of the subject after confirming the subject of the electronic receipt, and transmits a paperless (paper receipt release) command to the merchant terminal 130 when the subject is a subject.

⑥. The electronic receipt management server 140 issues an electronic receipt to the consumer terminal 110 corresponding to the payment information when the electronic receipt object is confirmed. The electronic receipt issued to the consumer terminal 110 can be automatically earned, advertised, and promoted.

⑦. The consumer terminal 110 confirms the issued electronic receipt using the installed electronic receipt application. The consumer terminal 110 requests details of the settlement by using the API to the provider server 120 when the detail information related to settlement related to the electronic receipt is additionally required.

⑧. The provider server 120 transmits the receipt details, point accumulation, coupon, advertisement, and promotion information to the consumer terminal 110 corresponding to the payment information using the API.

6 is a view for explaining a method of providing an electronic receipt according to a provider according to the present embodiment.

Describe how to provide the receipt details (items, etc.) according to the operator.

In the case of a large company such as a distributor, a separate provider server 120 is provided to transmit the electronic receipt details (items, etc.) to the electronic receipt application loaded on the consumer terminal 110 at the time of a customer request.

In the case of a small business such as a small business owner, the electronic receipt management server 140 transmits the electronic receipt details (items, etc.) to the electronic receipt application mounted on the consumer terminal 110 at the time of a customer request.

A large-scale business site sensitive to security and sales information may provide detailed details using a separate business server 120, and a small-scale business may incur the cost of constructing a separate hardware (HW). Therefore, The electronic receipt can be issued to the consumer terminal 110 without burdening the separate hardware (HW) construction cost by transmitting the details of the electronic receipt (item, etc.)

And a method of providing an electronic receipt according to a provider based on FIG. 6 will be described.

①. The merchant terminal 130 confirms the provider information when the consumer requests payment, and transmits the receipt details (items, etc.) to the separate provider server 120 when the provider information is a large-sized business. The provider information (large-sized businesses or small-sized businesses) can be pre-stored and stored in the merchant terminal 130.

②. The provider server 120 receives the receipt detail information request signal from the consumer terminal 110 corresponding to the payment information using the standardized API.

③. The provider server 120 issues the electronic receipt details (payment items, etc.) to the electronic receipt application installed in the consumer terminal 110 using the standardized API.

④. The merchant terminal 130 confirms the provider information when the consumer requests payment, and transmits the payment details to the electronic receipt management server 140 when the provider information is a small business. The provider information (large-sized businesses or small-sized businesses) can be pre-stored and stored in the merchant terminal 130.

⑤. The electronic receipt administration server 140 receives the receipt payment history request signal from the consumer terminal 110 corresponding to the payment information using the standardized API.

⑥. The electronic receipt administration server 140 issues an electronic receipt to the electronic receipt application installed in the consumer terminal 110 using the standardized API.

7 is a diagram for explaining a method of providing an API to a merchant terminal in a distribution company server according to the present embodiment.

The POS program that is installed and operated in the merchant terminal 130 is programmed as 'JAVA', '.NET', 'Delphi', 'C (C ++ / C #)' Since it is not standardized, in order to introduce the electronic receipt service to the POS program, it has to be developed for a long time in the language of the corresponding POS program.

The electronic receipt solution provided by the electronic receipt management server 140 according to the present embodiment includes an electronic receipt API standardized regardless of the POS program.

The electronic receipt management server 140 may provide the standardized electronic receipt API to each of the merchant terminals 130 so as to easily issue the electronic receipt without affecting the process of the existing POS program loaded on the merchant terminal 130 And it is possible to introduce and operate an electronic receipt issuance service at low cost.

8 is a diagram for explaining a method of issuing an electronic receipt using communication and parallel processing (asynchronous processing) in an affiliate terminal according to the present embodiment.

①. The merchant terminal 130 transmits the payment information of the consumer to the VAN 150 when the consumer makes payment at the merchant terminal 130. [ At the same time, the franchise terminal 130 requests the electronic receipt management server 140 to check whether the receipt person is present or not in order to confirm the person who issued the electronic receipt.

②. The VAN 150 transmits the payment information received from the merchant terminal 130 to the financial institution server 160 (card company, bank server). The electronic receipt management server 140 transmits the confirmation result of the electronic receipt object to the merchant terminal 130 after confirming the receipt target person.

③. The financial institution server 160 (credit card company, bank server) transmits the payment approval information processing the approval of the payment information to the VAN 150.

④. The merchant terminal 130 receives settlement approval information from the financial institution server 160 (card company, bank server) via the VAN 150. [

⑤. Receiving the payment approval information The merchant terminal 310 does not output or output the paper receipt according to the result of the presence / absence of the electronic receipt subject received from the electronic receipt management server 140.

⑥. The merchant terminal 130 receives the payment approval information from the financial institution server 160 to confirm the person to issue the electronic receipt, and confirms whether or not the receipt person is present to the electronic receipt management server 140.

⑦. There may arise a problem that a payment delay occurs between the franchise terminal 130 and the electronic receipt administration server 140 and the waiting time of the customer increases in general communication. However, by using the communication and parallel processing method (asynchronous processing method) which simultaneously performs the credit card payment approval process, the electronic receipt confirmation person and the paperless process in the merchant terminal 130 according to the present embodiment, And the increase in customer latency can be solved.

The communication and parallel processing (asynchronous processing) according to the present embodiment is a method for simultaneously processing a plurality of instructions or data at the same time, in which mutual processing results do not affect other commands or processing, , Electronic receipts, etc.) to process various services at the same time.

9 is a diagram for explaining a method of linking an electronic receipt application installed in a consumer terminal according to the present embodiment.

9 (a), the electronic receipt application of the consumer terminal 110 that receives the electronic receipt is called an 'App In App' (an electronic receipt in a large-scale business application, for a business having a self-application such as a large- Application-driven) or 'App to App' (powered by electronic receipt applications using links in large-scale business applications).

9B, the electronic receipt application of the consumer terminal 110 that receives the electronic receipt is an electronic receipt application provided by the electronic receipt management server 140 in the case of a small-sized business, Receipt applications can be used to issue electronic receipts.

10 is a diagram for explaining a method of providing a promotion to a consumer terminal in an electronic receipt management server according to the present embodiment.

As shown in FIG. 10, the electronic receipt management server 140 may store advertisement, event, promotion, and the like according to a specific product, a specific time, a specific day, a specific date, Promotion information may be transmitted to the consumer terminal 110 at the same time as issuing the electronic receipt to promote the promotion. For example, the electronic receipt administration server 140 can expose a company B coffee advertisement to an electronic receipt of a customer who purchased the coffee company A, and exposes events and promotions of the company A to the electronic receipt of the customer who purchased the coffee company A. To the consumer terminal 110 in a state where the user terminal 110 is in a state of being opened.

In addition, the electronic receipt management server 140 can expose a specific event or advertisement to a receipt of a customer at a specific time, and expose a specific event or advertisement to a receipt of a specific area such as a university site . For example, the electronic receipt management server 140 exposes a cafe advertisement near a corresponding area to an electronic receipt issued in a certain time zone (e.g., 11:30 to 13:30) in a specific business type (restaurant) in an office densified area And marketing that encourages consumers to naturally buy coffee after a meal.

11 is a diagram for explaining issuance and use of points, coupons using electronic receipts in the electronic receipt management server according to the present embodiment.

Generally, when a customer performs a payment, a point card is presented to earn points or mileage, a customer's mobile phone number is notified to a cashier, or a point or mileage is earned through input using a pad. In a general payment method, the customer has inconveniences such as inputting a mobile phone number for possessing and accumulating a point card.

However, the electronic receipt management server 140 according to the present embodiment uses the electronic receipt to issue an electronic receipt at the time of payment of a customer's point, mileage, coupon, and payment. The electronic receipt management server 140 automatically accumulates points and mileage according to points and mileage accumulation rates of the corresponding settlement stores so that the customer can easily and easily obtain points and mileage without any additional action for accumulating customers or having a point card, You can earn and use mileage. In addition, when providing the coupon at the payment shop, the electronic receipt administration server 140 can issue the electronic receipt using the customer's mobile phone electronic receipt application at the same time as issuing the electronic receipt. Thus, the convenience of the customer, It can help customer marketing. This has the advantage that target coupons and point accumulation rates can be different according to a specific time, day, date, purchase amount, purchase item, and the like, and can be targeted for marketing.

12 is a diagram for explaining an advertisement and promotion differentiation method using a general service according to the present embodiment.

Electronic receipts according to this embodiment can be used universally in all stores, apart from partnerships, since all electronic receipts can be issued to all shops in the nation as well as affiliated companies, and even to those who have not affiliated with each other.

If a business develops in-house and provides electronic receipts only to those customers visiting the company, the general customers are required to use electronic receipts to receive electronic receipts from anywhere without restriction because of the lack of versatility and limited use . The customer using the electronic receipt according to the present embodiment can receive the event, the advertisement, the promotion, etc. of the company in the electronic receipt that the partner purchases goods and services and is provided at the time of payment. From a business perspective, it can quickly and easily collect huge amounts of data such as customers' consumption habits and items, and provide targeted marketing services such as providing various services to customers. However, if the customer using the electronic receipt of this embodiment purchases goods and services from a non-affiliated company and receives an electronic receipt provided at the time of payment, he / she is informed of events, advertisements, promotions, etc. , And non-affiliated companies will incur relative losses. Affiliated companies can utilize unaffiliated competitors as a variety of marketing tools that can attract customers of affiliated companies, enabling accurate target marketing for actual customers, not unspecified ones.

The foregoing description is merely illustrative of the technical idea of the present embodiment, and various modifications and changes may be made to those skilled in the art without departing from the essential characteristics of the embodiments. Therefore, the present embodiments are to be construed as illustrative rather than restrictive, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of the present embodiment should be construed according to the following claims, and all technical ideas within the scope of equivalents thereof should be construed as being included in the scope of the present invention.

110: Consumer terminal 120: Provider server
130: Merchant terminal (POS) 140: Electronic receipt management server
150: VAN 160: financial institution server
200: Electronic receipt issuing device 210:
220: confirmation unit 230:
240:

Claims (12)

A method for issuing an electronic receipt,
Authorization to receive payment approval information from a financial institution server at an affiliate terminal including a general control DLL (Dynamic Linking Library) module supporting TCP / IP communication in a programming language including JAVA, C #, Visual Basic and DELPHI process;
A confirmation step of the merchant terminal requesting confirmation of an electronic receipt object to the electronic receipt management server through the general control DLL module based on the payment approval information;
Wherein the merchant terminal controls a paper receipt output based on a result of the electronic receipt object received from the electronic receipt management server;
An issuing step of issuing an electronic receipt for the payment details received from the consumer terminal in the electronic receipt management server; And
And transmits the details information related to the electronic receipt to a separate service provider server when the service provider information is a large service provider, and if the service provider information is a small service provider, Transmission process to transmit electronic receipt and related details information
≪ / RTI >
The merchant terminal communicates with the electronic receipt management server through the general control DLL and the merchant terminal communicates with the provider server via the general control DLL in the checking process, It is a message consisting of either a receipt operation server or a script including XML, JSON, and SOAP requested by the provider server
And the electronic receipt issuing method. delete The method according to claim 1,
After the issuance process,
Checking the issued electronic receipt using the electronic receipt application installed in the consumer terminal;
Requesting the service server for the detail information information when the consumer terminal desires to further request details information related to the electronic receipt; And
Transmitting the details information including at least one of the receipt details, point accumulation, coupon, advertisement, and promotion information to the consumer terminal using the API at the provider server
The method comprising the steps of: The method according to claim 1,
Prior to the approval process,
Transmitting the payment information to a Value Added Network (VAN) and requesting authorization when the card terminal or the mobile terminal performs payment or mobile payment at the merchant terminal;
Transmitting the payment information received from the merchant terminal to the financial institution server in the VAN; And
(MMS), a long message service (LMS), a push message, and a payment message to the VAN while transmitting payment approval information processing approval of the payment information from the financial institution server to the VAN. To the consumer terminal in the form of any one of
The method comprising the steps of: delete The method according to claim 1,
If the provider information is a large company in the transmission process,
Transmitting the details information related to the electronic receipt to an electronic receipt application installed in the consumer terminal using a standardized application programming interface (API) at the provider server
The method comprising the steps of: The method according to claim 1,
In the transmission process,
If the provider information is a small business,
The electronic receipt management server transmits the electronic receipt and related details information to the electronic receipt application installed in the consumer terminal using the standardized API
The method comprising the steps of: The method according to claim 1,
Wherein the merchant terminal simultaneously performs the approval process, the confirmation process, and the control process in a communication and parallel processing manner to reduce a payment delay and a customer waiting time. The method according to claim 1,
The issuing process includes:
Event, and promotion information according to at least one of a specific product, a specific time, a specific day, a specific date, a specific time, a specific region, and a specific business type in the electronic receipt management server, To the electronic receipt issuing method. The method according to claim 1,
The issuing process includes:
Wherein the electronic receipt management server exposes a specific event or advertisement to a receipt of a customer on a receipt purchased at a specific time or exposes a specific event or advertisement to an electronic receipt in a receipt of a specific area. The method according to claim 1,
The issuing process includes:
The point and mileage are automatically accumulated according to the point and mileage accumulation rate of the corresponding settlement store in the electronic receipt management server so that points and mileage are accumulated and used without additional actions for accumulating points or without a point card How to issue an electronic receipt. delete
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KR101773924B1 (en) * 2017-02-03 2017-09-01 디에이치이노시스 주식회사 The System And Method For Issuing Electronic Receipt And Electronic Prescription
KR20210031410A (en) 2019-09-11 2021-03-19 주식회사 더리얼마케팅 Apparatus and method for providing electronic receipt
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KR101773924B1 (en) * 2017-02-03 2017-09-01 디에이치이노시스 주식회사 The System And Method For Issuing Electronic Receipt And Electronic Prescription
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