KR20050006628A - System and method for processing an electronic-receipt - Google Patents

Abstract

PURPOSE: A system for issuing an electronic receipt for cash and credit card settlement is provided to enable a user to record the electronic receipt to other recording medium by issuing the electronic receipt of a digital data form including detail purchase particulars of the user. CONSTITUTION: A credit card/cash settlement device(50) processes the credit card or cash settlement by receiving the purchase particulars and settlement information of the user. An electronic receipt storing means(200) stores a control block(210) for controlling data I/O(Input/Output) and is equipped with a memory(220) for storing data. An electronic receipt issuer(100) is connected to the credit card/cash settlement device and the electronic receipt storing means through each interface(160,165), generates the electronic receipt of the digital data from by combining the purchase particulars and the settlement received from the credit card/cash settlement device with the information of an electronic receipt issuer, and stores the electronic receipt to the electronic receipt storing means.

Description

Electronic receipt issuance system {SYSTEM AND METHOD FOR PROCESSING AN ELECTRONIC-RECEIPT}

The present invention relates to an electronic receipt issuing system, and more specifically, to the credit card / debit card (hereinafter referred to as a credit card) as well as issuing the transaction details of all the purchase / payment activities made through cash as an electronic receipt in the form of digital data The present invention relates to an electronic receipt issuance system for storing in a separate portable storage device.

As is known, payment for the purchase of goods or services is made through cash or credit card. In particular, when paying for purchases of goods or services using a credit card, the payment information is recorded in a credit card company or a financial institution, and the payment information can be used as tax data. Therefore, the tax authorities recommend the use of credit cards by granting various tax benefits, and as a result, the use of credit cards is gradually increasing. However, as a means of payment in daily life, a large portion of cash still accounts for a large amount of money, and when such transactions are made using such cash, the transaction details can be traced, and thus the tax evasion rate is relatively high.

On the other hand, users often want to check the details of purchases (or expenses) together with their payment details.However, in case of payment using a credit card, a standard credit card payment statement or a cash payment statement (payment) Invoices / tax invoices / invoices) are displayed mainly on payment information, so the details of transactions are usually insufficient, and the details of transactions are recorded on separate transaction details, which makes it difficult to store and manage information. If the transaction statement and payment slip are issued in an integrated form, the standard is not constant according to the amount of information in the detailed description, which may cause difficulty in storage and loss. In addition, when a receipt is not issued at the time of cash payment, the user may have to memorize his / her purchase details one by one and record on a separate recording sheet or recording medium.

If all purchases / payments are made through cash and credit card, the purchase / payment information can be digitalized and stored in a separate recording medium owned by the user. At the same time, the purchase information can be used to track the cash transactions of companies providing goods and services, thus preventing tax evasion.

The present invention has been made in view of the above, it is issued to the electronic receipt in the form of digital data containing a detailed description of the user's purchase history in performing cash and credit card payment to record on a separate recording medium The purpose is to provide an electronic receipt issuance system.

According to a preferred embodiment of the present invention for achieving the above object,

A system for issuing an electronic receipt in the form of digital data, the system comprising: a credit card / cash payment device for receiving a purchase history and payment information of a user and processing a payment by credit card or cash; Electronic receipt storage means for pre-stored a control algorithm for controlling input and output of data, said memory having a memory area for storing predetermined data; Each interface means accesses the credit card / cash payment device and electronic receipt storage means, and combines the purchase history and payment information sent from the credit card / cash machine and the authentication information of the receipt issuer stored in the device. It provides an electronic receipt issuing system consisting of an electronic receipt issuing device for generating an electronic receipt of the form, and storing the electronic receipt in the electronic receipt storage means.

1 is a block diagram showing the configuration of an electronic receipt processing system according to the present invention.

2 is a flowchart illustrating a process of issuing an electronic receipt in the electronic receipt processing system according to the present invention.

<Description of the code | symbol about the principal part of drawing>

50: credit card / cash payment machine 100: electronic receipt issuing device

110: key input unit 120: controller

130: display unit 140: communication module

150: data recording unit 160, 165: first and second interface unit

200: electronic receipt storage means 210: control block

220: memory unit

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

First, the electronic receipt in the present invention refers to digital data including user's purchase information and payment information, and means data that can be read by a normal computer and a device capable of processing digital data.

1 is a block diagram showing the configuration of an electronic receipt issuing system according to the present invention, showing a credit card / cash payment machine 50, electronic receipt issuing device 100 and electronic receipt storage means 200. First, the credit card / cash payment machine 50 is a widely used electronic payment machine, in the present invention, the data such as the purchase history of the consumer, the unit price for each item, the total payment amount, the purchase date, the name of the company (merchant) and It outputs the function. That is, the credit card / cash payment machine 50 refers to a device in which a conventional payment terminal (POS) and a point of sales (POS) terminal capable of managing information such as transaction details are combined. Recently, a card terminal and a POS terminal are combined as described above, and thus, they have been popularized as one device 50 as shown in FIG. Therefore, the present invention described below can be applied even if the card terminal and the POS terminal are configured separately instead of the credit card / cash payment machine 50 shown in FIG. 1, in which case the card terminal is the payment amount and payment. The information on the means, and the POS terminal transmits the purchase history and the unit price of each item to the electronic receipt issuing apparatus 100 described later as predetermined data.

Electronic receipt issuing device 100 is a means provided to the company or merchant that provides the goods or services as received from the credit card / cash payment device 50 and the corresponding cash payment or credit card payment history by the user corresponding thereto Issuing an electronic receipt in the form of digital data is transmitted to and stored in the electronic receipt storage means 200 to be described later. That is, the electronic receipt issuing apparatus 100 according to the present invention operates in conjunction with the above-described credit card / cash payment machine 50.

And, the electronic receipt storage means 200 is a means for storing the electronic receipt in the form of digital data provided from the electronic receipt issuing device 100, it is preferable to manufacture in the form of a portable IC card or flash memory card form. .

The internal configuration of the electronic receipt issuing device 100 and the electronic receipt storing means 200 will be described in detail with reference to FIG. 1.

First, the key input unit 110 of the electronic receipt issuing device 100 is configured to include a plurality of function keys and numeric keys for controlling the operation of the electronic receipt issuing device 100, corresponding to the corresponding by the user's operation Output a predetermined key signal. At this time, the output key signal is transmitted to the controller 120. The controller 120 refers to a processor that controls the operation of each component in the electronic receipt issuing apparatus 100 based on a key signal provided from the key input unit 110. In particular, the controller 120 controls each interface unit 160 and 165 to be described later to control data input / output with the credit card / cash payment machine 50 and the electronic receipt storage means 200.

The display unit 130 is a means for displaying an operation state, a selection menu, and the like of the electronic receipt issuing device 130. The display unit 130 is a means for displaying predetermined letters and numbers under the control of the controller 120. In addition, the communication module 140 connects to the network under the control of the controller 120 and performs data communication with an external system (not shown). Detailed functions of the communication module 140 will be described in detail below. The data recorder 150 is a means for storing data provided from the controller 120, and in particular, stores the data provided from the electronic receipt storage means 200 according to the present invention under the control of the controller 120.

The first interface unit 160 is a means for transmitting and receiving data with the above-described credit card / cash dispenser 50, the purchase information and payment information provided from the credit card / cash dispenser 50, namely, name, unit price, Receives information such as payment amount, payment date, company name and the like, and transmits the information to the controller 120. At this time, the controller 120 issues an electronic receipt in the form of digital data based on the purchase information and payment information. In addition, the second interface unit 165 is connected to the electronic receipt storage means 200 to transfer data (electronic receipt) provided from the controller 120 to the electronic receipt storage means 200 or the electronic receipt storage device 200. The data provided from the controller 120 is transferred to the controller 120. The second interface unit 165 may be configured in detail according to the type of the electronic receipt storage device 200. For example, when the electronic receipt storage device 200 is in the form of an IC card, the IC card may be read. It is configured in the form of an IC card reading module, and when the electronic receipt storage device 200 is in the form of a flash memory card, it is configured in the form of a socket into which the flash memory can be inserted. In addition, when the electronic receipt storage device 200 is a USB-based flash memory device may be configured as a USB port.

On the other hand, in order to facilitate the electronic receipt issuing device 100 configured as described above in order to easily transmit the data according to the user's payment history to the electronic receipt storage device 200 and the credit card / cash payment device 50 It is preferable to configure to interlock. That is, unlike in the present embodiment, the receipt issuing device 100 may be configured as a separate device without interworking with the credit card / cash payment machine 50. In this case, however, the purchase history and payment information of the user are input again. There is discomfort to be done. Therefore, the conventional credit card / cash payment machine 50 is able to automatically settle the user's purchase history and payment amount, using this, the credit card / cash payment machine 50 without additional data input process Through the purchase history and payment history entered in it is possible to issue the electronic receipt according to the present invention. In this regard, in the embodiment shown in FIG. 1, the electronic receipt issuing device 100 is configured to be linked to each other by a credit card / cash payment machine 50, but the electronic receipt issuing device 100 is different from the credit card. / Built in the cash machine 50 may be configured in one piece.

Electronic receipt storage device 200 shown in Figure 1 is composed of a control block 210 and a memory unit 220, the control block 210 according to the input / output of the data for the electronic receipt storage device 200 Control overall operation. The control block 210 is composed of a kind of control algorithm in the form of a program, but in FIG. 1, the control block 210 is illustrated as a separate functional block for convenience of description. In particular, the control block 210 embeds a predetermined security algorithm, which induces the user to input a predetermined password when the data pre-stored in the memory unit 220, that is, the electronic receipt, is read, and the input password and the internal data are stored. By comparing the passwords stored in the system, the electronic receipt can be printed only when they match each other. Therefore, for this purpose, the user sets a desired security password at the time of first using or issuing the electronic receipt storage means 200, and the set security password is recorded at a predetermined position in the control block 210. And, the memory unit 220 in the electronic receipt storage means 200 is an area for storing the actual data to store the data (electronic receipt) provided from the electronic receipt issuing apparatus 100 under the control of the control block 210. do.

2 is a flowchart illustrating an electronic receipt issuing process according to the present invention. Hereinafter, each process will be described in detail with reference to the accompanying drawings.

First, the user connects the electronic receipt storage means 200 of the user to the electronic receipt issuing device 100 provided in the company (merchant) in the process of performing the payment using cash or credit card (step S201). Then, when the payment is made according to the purchase details of the user (step S203), the credit card / cash machine 50 generates the purchase information and the payment information of the user (step S205). This purchase information and payment information is input through the first interface unit 160 of the electronic receipt issuing device 100 connected to the credit card / cash payment machine 50 (step S207). In this case, the purchase information and the payment information provided from the credit card / cash payment device 50 includes a purchase item, unit price, payment amount, payment date, company name (company) or company code.

The controller 120 in the electronic receipt issuing apparatus 100 generates the electronic receipt in the form of digital data based on the purchase information and the payment information provided through the first interface unit 160 (step S209), and the second interface. The electronic receipt storage means 200 connected through the unit 165 is transmitted (step S211). Then, the control block 210 in the electronic receipt storage means 200 is to record the electronic receipt provided through the second interface unit 165 in the memory unit 220 (step S213).

As a result, each time a user makes a payment using a credit card or cash, the user may include information such as the purchase item name, unit price, payment amount, place of purchase (business name), purchase date, payment method, etc., by the above-described processes. The electronic receipt is recorded in the electronic receipt storage means 200 possessed by the user. In addition, the user can inquire the electronic receipt stored in the electronic receipt storage means 200 using an ordinary computer as well as the electronic receipt issuing apparatus 100 installed in the service provider (merchant). That is, when the electronic receipt storage means 200 is manufactured in the form of an IC card, an IC card reader may be installed in a computer to search and view the electronic receipt stored in the electronic receipt storage means 200. In addition, when the electronic receipt storage means 200 is made in the form of a flash memory card, it is possible by installing a flash memory reader on a computer. Of course, in the initial step of reading the electronic receipt stored in the electronic receipt storage means 200 through these methods, the password verification process as described above is performed. Here, the IC card reader or flash memory reader is already widely used, and detailed configuration and operation description thereof will be omitted.

On the other hand, the electronic receipt data stored in the above-described electronic receipt storage means 200 may be provided to others as needed by the user. For example, a company may be provided with data stored in the electronic receipt storage means 200 after receiving a predetermined information fee from a company investigating a purchase pattern or consumption tendency of a consumer, and providing a tax institution to merchants according to cash payments. It can also be provided as a tax reference.

As such, the process of transferring the electronic receipt stored in the electronic receipt storage means 200 to another person, that is, the method of transmitting the electronic receipt to another system or device may include a conventional personal computer and an electronic receipt issuing device 100 illustrated in FIG. 1. The method of using is mentioned.

First, a method of transmitting to another system using a personal computer will be described. A reader (for example, a smart card reader) capable of reading the electronic receipt storage means 200 may be installed in a computer to store the electronic receipt storage means ( 200 or the electronic receipt storage means 200 is connected to an external connection port (for example, a USB port) of the computer. In addition, an attempt is made to read an electronic receipt stored in the electronic receipt storage means 200 by operating a computer. In this case, a control algorithm stored in the control block 210 of the electronic receipt storage means 200 operates to provide a predetermined security to the user. A message requesting the input of a password is displayed on the monitor screen of the computer.

Accordingly, the user manipulates the computer to input a security password, and the control block 210 compares the input password with the password stored in advance and stores the electronic receipt stored in the memory unit 220 only when the respective passwords match. The data will be read. Then, the user can transmit the electronic receipt data to another person through another system or e-mail via the Internet.

On the contrary, in the case of transferring the electronic receipt using the electronic receipt issuing apparatus 100 shown in FIG. 1, the electronic receipt storing means 200 is first connected to the second interface unit 165 of the electronic receipt issuing apparatus 100. ), And then attempts to transmit the electronic receipt by operating the key input unit 110. In this process, as described above, the control algorithm stored in the control block 210 of the electronic receipt storage means 200 operates to induce a user to input a predetermined security password. Therefore, the user operates the key input unit 110 again to input the security password, and the control block 210 is stored in the memory unit 220 only when the input password and the internally stored password is matched with each other. The electronic receipt is transmitted to the second interface unit 165. In addition, the controller 120 of the electronic receipt issuing apparatus 100 stores the data provided through the second interface unit 165, that is, the electronic receipt in the data recording unit 150.

Through such a process, the electronic receipt stored in the data recording unit 150 in the electronic receipt issuing apparatus 100 may be transmitted to another system if necessary. The means provided for this is the communication module 140. That is, when an electronic receipt stored in the data recorder 150 is attempted to be transferred to another system connected to the network by the user's manipulation, the controller 120 drives the communication module 140 to access the corresponding system connected to the network. Then, the electronic receipt is sent to the data recorder 150.

On the other hand, in each method as described above, that is, a user to transmit or transfer the electronic receipt data stored in the electronic receipt storage means 200 to another person, the user can selectively transmit or transfer the data contained in the electronic receipt data It is transferable. That is, the electronic receipt data stored in the electronic receipt storage means 200 includes information such as purchase details, unit price for each item, total payment amount, purchase date, name of a company (merchant), and all such information may be transmitted or transferred. In contrast, only information having a lesser relationship with the user's privacy, such as purchase date, total payment amount, and merchant name, may be selected and transmitted or transferred. As such, the function of selecting and transmitting or transferring each piece of information in the electronic receipt data may be implemented programmatically by a control algorithm stored in the control block 210 in the electronic receipt storage means 200. It is possible to implement by embedding such a program type algorithm in a computer or electronic receipt issuing device 100 for reading the electronic receipt data.

As a result, the electronic receipt issuing system according to the present invention issuing the purchase and payment information according to the credit card and cash payment as an electronic receipt in the form of digital data to record in the storage means owned by the buyer and at the same time read the electronic receipt stored in the storage means To transmit to other systems.

The embodiments and drawings described above are only for the purpose of describing the contents of the invention in detail, and are not intended to limit the scope of the technical idea of the invention, the present invention described above is common knowledge in the technical field to which the present invention belongs. As those skilled in the art can have various substitutions, modifications, and changes without departing from the spirit and scope of the present invention, it is not limited to the embodiments and the accompanying drawings. And should be judged to include equality.

As described above, according to the present invention, all transaction details according to the credit card payment as well as cash payment is issued as an electronic receipt in the form of digital data, and stored in a separate recording device possessed by the user. It is effective to manage spending history. In addition, it is possible to prevent tax evasion due to cash payment using the electronic receipt stored in the recording device.

Claims (8)

In the system for issuing electronic receipt in the form of digital data, A credit card / cash payment device that receives a purchase history and payment information of a user and processes a payment by credit card or cash; Electronic receipt storage means for pre-stored a control algorithm for controlling input and output of data, said memory having a memory area for storing predetermined data; It is connected to the credit card / cash payment device and the electronic receipt storage means through each interface means, digital data by combining the purchase history and payment information from the credit card / cash payment machine and the information of the receipt issuer stored therein Electronic receipt issuing system comprising an electronic receipt issuing device for generating a form of electronic receipt and storing the electronic receipt in the electronic receipt storage means. The method of claim 1, The electronic receipt is an electronic receipt issuance system, characterized in that it includes information on the purchase item name, unit price, payment amount, merchant name, purchase date, payment means. The method of claim 2, The electronic receipt issuing device, A first interface unit connected to the credit card / cash payment device and receiving the purchase history and payment information; A second interface connected to the external recording medium and transmitting and receiving the electronic receipt data; And a controller configured to generate the electronic receipt when the purchase history and the payment information are provided through the first interface unit, and to store the electronic receipt on the external recording medium through the second interface unit. Receipt Issuance System. The method of claim 3, wherein The electronic receipt issuing device, A key input unit including a plurality of key buttons and generating a predetermined key signal for controlling an operation of the electronic receipt issuing device based on a user's operation and providing the predetermined key signal to the controller; And a display unit configured to display an operation state and various selection menus of the electronic receipt issuing device under the control of the controller. The method of claim 4, wherein The electronic receipt issuing device is configured to further include a data storage for storing data under the control of the controller, When the controller is required to output the electronic receipt stored in the electronic receipt storage means through the key input unit, the controller reads the electronic receipt stored in the electronic receipt storage means through the second interface unit and reads the read electronic receipt into the data. Electronic receipt issuance system, characterized in that for storing in the storage. The method of claim 4, wherein The electronic receipt storage means can be connected to the computer, When the controller is required to output the electronic receipt stored in the electronic receipt storage means through the computer, the controller reads the electronic receipt stored in the electronic receipt storage means through the second interface unit and stores the read electronic receipt data. Electronic receipt issuance system, characterized in that stored in the wealth. The method according to claim 5 or 6, The electronic receipt storage means pre-stores the security password set by the user, And when the output of the electronic receipt stored in the memory area is required, the control algorithm outputs the stored electronic receipt only when the password input from the outside matches the security password. The method according to claim 5 or 6, The electronic receipt storage means for outputting the electronic receipt, the electronic receipt issuing system, characterized in that for selectively outputting the respective information contained in the electronic receipt in accordance with the user's selection.