KR20050049316A - Method for cash bill corresponding cash transaction comprising cancelation process - Google Patents

Abstract

A cash receipt transaction method is disclosed. This cash receipt computerized transaction method, the step of generating the transaction information including the cash transaction history and the unique information of the customer at the cash receipt terminal device and providing it to the van server, the authentication information for the transaction information from the van server And providing the authentication information provided from the van server and printing the cash transaction details to the customer. When a transaction cancellation request by the customer occurs, the transaction is performed based on the authentication information provided from the van server. Cancel. According to such a cash receipt computerized transaction method, by generating the computerized data about the cash transactions between the customer and the operator and providing it to VAN company, it is possible to track the tax revenue for cash transactions between the customer and the operator. You can recognize your transaction history. In addition, since the present invention is connected to the van server through wired and wireless communication and a network or public network, it is possible to issue cash receipts while moving outside the operator's place of business and provide transaction information with the customer to the van server. In addition, the present invention has an effect that it is difficult for the user to intentionally cancel the transaction history in order to hide the tax revenue for the cash transaction performed using the above-mentioned cash receipt terminal device.

Description

Method for cash bill corresponding cash transaction comprising cancelation process

The present invention relates to a computerized transaction method of cash receipts, and more particularly, to a computerized transaction method of cash receipts that enable the customer to generate computerized data on cash paid to the operator and transfer the data to VAN. will be.

As credit cards are widely used, transactions using credit cards are becoming more active. The credit card is computerized by the financial company that issued the card and by a value-added network (VAN) company that is linked to the financial company.The IRS looks at the computerized transactions to tax the revenue generated through the credit card. Is doing. VAN owns leased lines or leases wired and wireless communication networks, provides terminals for use of credit cards to affiliated stores, and provides financial companies with transaction details generated through the provided terminals. Refer. For example, when a customer uses a credit card in a restaurant or a department store, the credit card is presented to a terminal provided at an affiliated store, and the affiliated store approves and uses the credit card using the terminal. At this time, the VAN company usually receives a fee of tens to hundreds of won under the contract with the financial company that issued the credit card. On the other hand, VAN provides a terminal device that allows customers to inquire for the credit card presented to the operator for the credit transaction, and make a payment to each affiliated store for free or free of charge. Each terminal device provided is connected to a VAN company through a public telephone network (PSTN) or the Internet, and the VAN company notifies the financial institution of transaction details of the credit card provided through each terminal device.

1 schematically shows a conventional van server and a terminal device connected to the van server.

When the customer presents the credit card to the operator in the van server shown, the operator inserts or sweeps the customer's credit card 30 into the card reader 20 connected to the terminal device 10, and the card reader 20 ) Reads the information of the credit card (30). The terminal device 10 is provided with a numeric key 11 of 0 to 9, an input key for transmitting the read card information to the van server 40, and an LCD 12 for displaying the state of the terminal device. . The operator inserts the customer's credit card 30 into the terminal device 10, enters the transaction amount through the numeric key 11, and presses an input key to transmit the transaction information to the van server 40. The van server 40 determines whether the terminal device 10 is a registered terminal device, approves a transaction for the terminal device 10 in the case of a registered terminal device, and provides the financial institution 50 with the approved result. By receiving a fee for this.

On the other hand, the terminal device 10 is a means of trading between the customer and the operator is limited to cards such as credit cards or debit cards. Since the credit information of the customer is stored in the card in which the magnetic or electronic chip is embedded, the terminal device 10 of the operator can grasp the transaction details by transmitting the information stored in the card to the van server 40. On the other hand, the operator having the terminal device 10 tends to prefer cash transactions instead of cards in which transaction details are transparent. Cash transactions have direct characteristics between customers and operators, and do not leave computerized data. Therefore, the sales and profits of operators in cash transactions are not known. In addition, although the transaction details are written on the simple receipt provided by the business operator to the customer during the cash transaction, the customer often keeps a simple receipt provided by the business operator for the after service (AS) and informs the financial institution or the government agency of this. Very rarely to do.

As described above, an object of the present invention is to provide a computer data generated by generating computerized data on cash transactions between a customer and a business operator, a business operator and a business operator, and a cash receipt issuing method that can be notified to a corresponding institution. In addition, another object of the present invention is to provide a cash receipt computer transaction method of the cash receipt terminal device so that the tax revenue is transparent by preventing the operator from canceling the credit card, and cash transactions made through the terminal at random for tax evasion. .

According to the present invention, the step of generating a transaction information including the cash transaction history and the unique information of the customer in the cash receipt terminal device and providing it to the van server, the authentication information for the transaction information in accordance with the present invention And receiving the authentication information provided from the van server, and providing the cash transaction details to the customer. When the transaction cancellation request by the customer occurs, search information is sent to the van server. And providing at least one transaction information corresponding to the search information from the van server, selecting any one of them, and notifying the van server of the selected transaction information to cancel the cash receipt of the cash receipt terminal device. It is achieved by the transaction method.

It is preferable that the said search information is the said authentication information.

Preferably, the search information is at least one of time information and cash amount when a cash transaction with the customer is performed.

The search information is preferably unique information for the customer.

Preferably, the unique information is any one of a resident registration number of the customer, a wired / wireless telephone number, and a card number of a card possessed by the customer.

The cash receipt terminal device and the van server are preferably connected by a wireless communication network.

Preferably, the cash receipt terminal device provides the transaction information and the search information to the van server through the wireless communication network.

The cash receipt terminal device, it is preferable to request the cancellation of the transaction to the van server through the wireless communication network.

Preferably, the cash receipt terminal device receives an approval number for the transaction information through the wireless communication network.

The cash receipt terminal device may communicate with a mobile device, and read information of an electronic chip provided in the mobile device.

Preferably, the method may further include providing information of the electronic chip to the van server.

Preferably, the cash receipt terminal device, if notified of the transaction cancellation result from the van server further comprises the step of printing a transaction cancellation history for this.

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

Figure 2 shows an example of a cash receipt terminal device of the present invention, and a cash receipt issuing system including the same.

In the figure, the cash receipt terminal device 100, when the cash transaction occurs, the cash transaction request request to the van server 300, the van server 300 is the customer's unique information (for example, social security number, wired and wireless telephone number, customer's identity) The number of the card, etc., which can be confirmed) is provided from the cash receipt terminal device 100 to confirm and authenticate it, and provides the approval number to the cash receipt terminal device 100. The cash receipt terminal device 100 prints the approval number and cash transaction details provided from the van server 300 and pays them to the customer.

In the drawing, the cash receipt terminal device 100 according to the present invention includes card selection keys 112c and 112d for card transactions with customers, and does not have a separate control key for cash transactions. The card selection key 112c is selected when the payment means presented by the customer to the operator is a cash card, and the card selection key 112d is selected when the payment means presented by the customer to the operator is a debit card. When the operator inputs the transaction amount and the unique information of the customer in the cash receipt terminal device 100, the cash receipt terminal device 100 operates as a cash transaction. After the user presses the card selection keys 112c and 112d, when the card is inserted or swept into the card reader 120, the cash receipt terminal device 100 reads the card information read by the card reader 120. Send to the van server 300, the van server 300 routes the information to the financial institution to determine the validity of the card information, and approves the transaction to be received by the cash receipt terminal device (100). At this time, the van server 300 provides the approval number to the cash receipt terminal device (100).

On the other hand, the unique information that is input to the cash receipt terminal device 100 when the operator and the customer performs a cash transaction, the customer's unique information is the customer's social security number, the mobile phone number of the customer, or the customer's landline telephone number, etc. In addition, if the customer is a student or a military student ID number or military number, etc. may be unique information of the customer. Of course, if the unique information is to be transmitted to the van server 300 to be approved, the van server 300 should be operated in conjunction with a server provided in a government agency or school that can identify the unique information about these students or soldiers. do. That is, the cash receipt terminal device 100 may authenticate using the unique information only for the government institution, the school to which the van server 300 is affiliated. When these unique information is written through the keypad 112, the written contents are displayed on the LCD 111. When a touch screen is added on the LCD 111, a separate keypad 112 is not required. The cash receipt terminal device 100 and the van server 300 are connected through wired and wireless communication networks. As a wired communication network, a public network (PSTN), a CO-LAN network, a Hinet-P network, etc. may be used, and the wireless network may be connected with a communication network of CDMA, TDMA, and GSM (Group Special Mobile) methods. In order to access the cash receipt terminal device with the van server 300 through a CDMA, TDMA, and GSM (Group Special Mobile) communication network, the cash receipt terminal device 100 further includes a communication module for connecting to these communication networks. It is preferable. Although not shown in the figure, the cash receipt terminal device 100 is further provided with a printing unit for printing the authorization number provided from the van server (300). The printing unit is preferably a thermal transfer method or a dot matrix method. The dot matrix method has the advantage that the operator can generate a copy of the receipt provided when providing the cash receipt to the customer.

The van server 300 analyzes the transaction information provided from the cash receipt terminal device 100 to determine the validity of the transaction information, and if the transaction information is valid, transmits the approval number to the terminal device. The van server 300 receives a transaction history, an ID of the cash receipt terminal device, and unique information of a customer provided from the cash receipt terminal device, and transmits the wired / wireless communication network to a national or financial institution affiliated with the van server 300. The validity of the transaction information is determined by checking and authenticating through In addition, the van server 300 checks whether the transaction information provided from the cash receipt terminal device 100 matches the format requested by the van server 300 and whether the data size of the transaction information corresponds to a preset format. Determine the validity of the information. Since the cash receipt terminal device according to the present invention provides cash transaction information to the van server 300, the van server 300 processes transaction details on cash transactions generated between the customer and the merchant's cash receipt terminal device 100. In addition to the function to combine the cash transaction history and the customer's unique information, it can be processed to create a variety of profit models. For example, the van server 300 aggregates the revenue generated by the operator through cash and credit card transactions if the operator wants based on the transaction information stored in the van server 300, and based on the result of the calculation, the sales and profits of the operator. , VAT, corporate tax, and comprehensive income tax may be calculated and provided to the business operator. In addition, the van server 300 may provide the tax information to the National Tax Service 500 through the financial institution 400 and provide the standard data for taxation to the operator in the National Tax Service 500.

3 illustrates an example of a cash receipt issuing system including a cash receipt terminal device, a wireless communication network, and a van server 300 of the present invention.

The illustrated cash receipt system is configured such that the cash receipt terminal device 100 can perform data communication with the van server using a wireless communication network.

The cash receipt terminal device 100 is connected to the wireless communication network 200 and transmits the transaction details and ID information of the cash receipt terminal device 100 to the wireless communication network 200, the wireless communication network 200 is a van By relaying to the server 300, a wired network is not required between the cash receipt terminal 100 and the van server 300. When the cash receipt terminal device 100 and the van server 300 are connected using the wireless communication network 200, the van server 300 allows the cash receipt terminal device 100 to access the wireless communication network 200. It is desirable to provide a telephone number. The phone number used by the cash receipt terminal device 100 in the wireless communication network 200 may be used to identify the cash receipt terminal device 100 in the van server 300. Meanwhile, the van server 300 receives transaction information and ID information of the cash receipt terminal 100 through the wireless communication network 200 and determines the validity of the information. Determining whether or not the cash receipt terminal device 100 received through the wireless communication network 200 is a cash receipt terminal device registered in the van server 300, the determination result, if the registered cash receipt terminal device transaction information is a van It is determined whether it matches the data format set by the server 300. As a result of the determination, if the transaction information is valid, the van server 300 transmits the approval number to the wireless communication network 200, and the wireless communication network 200 transmits it to the cash receipt terminal device 100. Accordingly, the cash receipt terminal device 100 prints the approval number and the transaction history transmitted to the customer.

4 illustrates an example of the keypad 112 illustrated in FIG. 2 and a menu screen displayed on the LCD 111.

As shown, the keypad 112 is provided with card selection keys 112c and 112d for selecting a transaction method of the cash receipt terminal device 100 as a card transaction, cash paid by the customer, and unique information of the customer. By a keypad 112 having a numeric key 112c and a special key (*, #) for typing a key, an input key 112f for transmitting transaction information to the van server 300, and a keypad 112. The LCD 111 for displaying the input matter is provided. The LCD 111 is provided with a submenu corresponding to each situation when the customer pays cash or presents a card to the operator. Each sub menu may be selected using the keypad 112, and the cash receipt terminal does not need a separate keypad 112 when the touch panel is further provided on the LCD 111. In this case, the numeric keys 112e, special keys (*, #), card selection keys 112c, 112d, etc., provided on the keypad 112 are displayed as a menu in the LCD 111, and the operator presses the touch panel to perform a desired function. Can be selected.

Figure 5 shows a flow chart according to an embodiment of a cash receipt issuing method according to the present invention.

First, when the customer and the operator make a transaction, if the means paid by the customer is cash (S501), the operator writes the transaction amount and the unique information of the customer in the cash receipt terminal device (100). At this time, the cash receipt terminal device 100 is driven in a cash transaction method. Accordingly, the LCD 111 provided in the cash receipt terminal device 100 displays various menus for confirming the identity of the customer. The menu displayed on the LCD 111 includes a telephone number entry menu 111c, a business registration number entry menu 111a, a social security number entry menu 111b, and a school affiliated with the van server 300; An entry menu 111d for entering an employee and an employee number of an on / offline company may be provided. The operator selects any one of these menus by using the keypad 112 (S502), and enters the number and the special characters corresponding to the selected menu, thereby identifying the customer's identity, the cash receipt terminal device ( Fill in 100). When the unique information presented by the customer to the operator who owns the cash receipt terminal device 100 is the resident registration number (S503), the operator selects the resident registration number entry menu 111b from the menu provided on the cash receipt terminal device 100, The social security number is entered using the keypad 112 (S504). If the unique information presented to the operator by the customer is the telephone number (S505), the operator selects the telephone number entry menu 111c among the menus provided in the cash receipt terminal device 100, and uses the keypad 112. Enter the customer's telephone number (S506). If the unique information presented by the customer is a school, an institution, and other online / offline companies affiliated with the van server 300 (S507), the student ID number and the employee number of the company may be entered ( S508). By this process, the operator inputs the unique information of the customer presented by the customer, the transaction details with the customer, that is, the amount paid by the customer to the operator, and then an input key provided in the cash receipt terminal device 100. Press 112f to transmit the customer's unique information and transaction details to the van server 300 (S509). Van server 300 receives the transaction information and cash receipt terminal information and the customer's unique information transmitted from the cash receipt terminal device 100 through a wired or wireless network (S510), the received transaction information and cash It is determined whether the receipt terminal device information and the unique information of the customer are correct information. If the customer's unique information is a phone number, the server can be checked by the server provided by the wired / wireless communication service provider. In the case of the resident registration number, the customer's identity can be confirmed through a server provided in a national institution. Similarly, if the unique information of the customer is an on / offline company that is affiliated with the van server 300, the identity of the customer may be confirmed through a server provided to these companies. The ID information of the received cash receipt terminal device 100 may be determined whether the cash receipt terminal device is registered in the van server 300, and the transaction information may include the transaction information transmitted from the cash receipt terminal device 100. The data format may be determined by performing a CRC check on whether the data format matches the data format preset in the van server 300 and the data transmitted from the cash receipt terminal device 100. Next, if it is determined that the ID information of the cash receipt terminal device provided to the van server 300, the unique information of the customer, and the transaction information are valid (S511), the van server 300 transmits the cash receipt terminal device 100. It is determined that the ID information of the cash receipt terminal device, the unique information of the customer, and the transaction information are correct, and the identification number for the transaction approval is transmitted to the cash receipt terminal device 100 (S512). On the other hand, if the means for the customer to pay the operator is the card (S513), the operator inserts or sweeps the card in the cash receipt terminal device 100 and after reading the unique information embedded in the card (S514), step S509 do. Finally, if the customer wants to pay by the mobile device (S515), the operator presses the mobile phone selection key (112a) provided in the cash receipt terminal device 100, the customer's mobile device to the cash receipt terminal device ( The data of the electronic chip embedded in the mobile device is read out adjacent to the method 100 at step S516. At this time, the cash receipt terminal device should be provided with a communication means for performing data communication with the mobile device. Currently, mobile phones and PDAs equipped with credit card chips are on the market, and a number of mobile devices that perform electronic payment using infrared communication or Bluetooth communication protocols are emerging. Readers for reading electronic chips embedded in these mobile devices are also commercially available. By adding a reading device for reading electronic chips to the cash receipt terminal device 100, most payment means used in the market can be obtained. It can be utilized. As described above, the method for issuing cash receipts according to the present invention generates computerized data not only for card transactions but also for cash transactions between customers and business operators, so that the IRS 500 or financial institutions can make cash transactions between customers and businesses. Make sure you understand.

Figure 6 shows a flow chart according to a preferred embodiment of a transaction method for canceling a previously traded transaction in the transaction method according to the present invention.

First, when the customer wants to cancel the cash transaction with the operator (S601), the customer may cancel the cash transaction by presenting the cash receipt issued by the operator to the operator. If the customer knows the approval number according to his cash transaction (S602), the customer may present the approval number to the operator and cancel the previously performed cash transaction. The operator presses the cancel key 112b of the cash receipt terminal device 100 owned by the operator, selects the approval number input menu 111e among the menus displayed on the LCD 111, and then uses the customer through the keypad 112. Enter this approval number (S603). If the customer does not have a cash receipt, if the customer knows the transaction information with the operator (S606), the customer can cancel the previously performed cash transaction by presenting the transaction information known to the operator. Transaction information that can be presented by the customer may include a transaction date and time, a transaction amount, and the like. At this time, the operator presses the cancel key 112b of the cash receipt terminal device 100, fills in the transaction information presented by the customer (S607), and requests the van server 300 to cancel the cash transaction (S604). . In this case, when the customer provides only the information on the transaction date to the operator, if the cash transaction between the customer and the operator occurs several times on the same day, the van server 300 provides all relevant transaction information to the cash receipt terminal device 100. After that, the transaction is canceled based on the transaction information selected by the cash receipt terminal device 100. Next, if the customer does not know both the approval number and the transaction information (S608), the customer can cancel the cash transaction performed by presenting its unique information to the operator. At this time, after pressing the cancel key (112b), the operator enters the customer's unique information, such as customer identification number, such as customer registration number, wired and wireless telephone number to the cash receipt terminal device 100 (S609) and the van server To cancel the cash transaction. The van server 300 retrieves a plurality of transaction information corresponding to the unique information of the customer in response to the transaction cancellation request from the cash receipt terminal device 100 and provides it to the cash receipt terminal device 100. Here, the cash receipt terminal device 100 may provide search information to the van server 300 through wired and wireless communication networks. The cash receipt terminal device 100 and the van server 300 may be connected to the van server 300 through wired and wireless communication networks. When the cash receipt terminal device 100 and the van server 300 are connected by a wired communication network, the wired communication network includes a LAN, a public network (PSTN), a CO-LAN network, a Hinet-P network, and a high-speed Internet network ( For example, ADSL may be used, and a communication network of CDMA, TDMA, and GSM (Group Special Mobile) may be used as a wireless communication network. Finally, the cash receipt terminal device 100 displays a plurality of transaction information provided by the van server 300 on the LCD 110 and then selects the appropriate transaction information as the input key 112f. The transaction information selected by the input key 112f is notified to the van server 300 and the transaction is canceled (S605). Preferably, the van server 300 after canceling the cash transaction requested by the cash receipt terminal device 100, and notifies the cash receipt terminal device 100 of the result, the operator of the cash receipt terminal device 100 side Be aware of the cancellation result.

As described above, the method for issuing cash receipts according to the present invention generates data on not only card transactions but also cash transactions between customers and businesses, so that the IRS or financial institution can grasp the cash transactions between customers and operators. It is also difficult for a business operator to deliberately cancel a transaction in order to conceal his or her tax base.

As described above, the present invention provides computer data for cash transactions made to customers and business operators, and provides them to VAN companies, whereas the existing credit card terminal devices can generate computer data for credit card transactions only. It is also possible to track taxation for cash transactions between customers, and customers can recognize their transaction details through the approval number issued by the business operator. In addition, since the present invention is connected to the van server through wired and wireless communication and a network or public network, it is possible to issue cash receipts while moving outside the operator's place of business and provide transaction information with the customer to the van server. In addition, the present invention has an effect that it is difficult for the user to intentionally cancel the transaction history in order to hide the tax revenue for the cash transaction performed using the above-mentioned cash receipt terminal device.

1 is a view schematically showing a conventional van server and a terminal device connected to the van server;

2 is a view showing an example of a cash receipt terminal device of the present invention, and a cash receipt issuing system including the same;

3 is a view showing an example of a cash receipt issuing system consisting of a cash receipt terminal device, a wireless communication network, and a van server of the present invention;

4 is a diagram illustrating an example of a keypad shown in FIG. 2 and a menu screen displayed on an LCD;

5 is a flowchart according to a preferred embodiment of the cash receipt computer transaction method of the cash receipt terminal device according to the present invention;

Figure 6 shows a flow chart according to a preferred embodiment of a transaction method for canceling a previously traded transaction in the transaction method according to the present invention.

Claims (12)

Generating transaction information including a cash transaction history with a customer and unique information of the customer in a cash receipt terminal device and providing the same to a van server; Receiving authentication information on the transaction information from the van server; And Providing the authentication information and the cash transaction history provided to the van server to the customer; When the transaction cancellation request by the customer occurs, providing the search information to the van server, and from the van server Receiving at least one transaction information corresponding to the search information, select any one of these, and the cash receipt computer transaction transaction method of the cash receipt terminal device to notify the van server to cancel the selected transaction information. The method of claim 1, The search information, The cash receipt computer transaction method of the cash receipt terminal device characterized in that the authentication information. The method of claim 1, The search information, At least one of the time information and the amount of cash when the cash transaction with the customer is performed. The method of claim 1, The search information, The cash receipt computer transaction method of the cash receipt terminal device, characterized in that the unique information for the customer. The method of claim 4, wherein The unique information is, The cash receipt computer transaction method of the cash receipt terminal device, characterized in that any one of the customer's resident registration number, wired and wireless telephone number, and the card number of the card possessed by the customer. The method of claim 1, The cash receipt terminal device and the van server, A cash receipt computer transaction method of a cash receipt terminal device, characterized in that connected by a wireless communication network. The method of claim 6, The cash receipt terminal device, And the transaction information and the search information to the van server through the wireless communication network. The method of claim 8, The cash receipt terminal device, The cash receipt computer transaction method of the cash receipt terminal device, characterized in that for requesting the cancellation of the transaction to the van server through the wireless communication network. The method of claim 6, The cash receipt terminal device, Computing transaction method of cash receipt of the cash receipt terminal device, characterized in that receiving the approval number for the transaction information through the wireless communication network. The method of claim 1, The cash receipt terminal device, A communication method of a cash receipt of a cash receipt terminal device, which is capable of communicating with a mobile device and reads information of an electronic chip provided in the mobile device. The method of claim 10, Comprising: providing the information of the electronic chip to the van server; cash receipt computer transaction method of the cash receipt terminal device further comprising. The method of claim 1, The cash receipt terminal device, If the transaction cancellation result is notified from the van server, printing a transaction cancellation history for this; further comprises a cash receipt computer transaction method of the cash receipt terminal device characterized in that it further comprises.