KR20160135409A - System and method for issuing electronic receipts - Google Patents

System and method for issuing electronic receipts Download PDF

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Publication number
KR20160135409A
KR20160135409A KR1020150068621A KR20150068621A KR20160135409A KR 20160135409 A KR20160135409 A KR 20160135409A KR 1020150068621 A KR1020150068621 A KR 1020150068621A KR 20150068621 A KR20150068621 A KR 20150068621A KR 20160135409 A KR20160135409 A KR 20160135409A
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KR
South Korea
Prior art keywords
information
signature
user terminal
receipt
user
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KR1020150068621A
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Korean (ko)
Inventor
최시원
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주식회사 조이코퍼레이션
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Priority to KR1020150068621A priority Critical patent/KR20160135409A/en
Publication of KR20160135409A publication Critical patent/KR20160135409A/en

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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
    • 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
    • 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
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • 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
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Disclosed are a system and a method for issuing electronic receipts. According to an embodiment of the present invention, the system for issuing electronic receipts includes: an input device for receiving a telephone number; a POS terminal for receiving card information and price information; and a receipt management device for generating and transmitting the electronic receipts in accordance with payment information to a user terminal wire regard to a telephone number if the payment information having the card information and the price information and the telephone number are received from the POS terminal through a communication network.

Description

[0001] System and method for issuing electronic receipts [

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic receipt issuing system and an issuance method in an offline store.

 In general, when a purchaser makes a payment using a cash or a credit card after purchasing an item or using a service, the store receives a paper receipt on which payment details such as the date, item, shop name, purchase amount, And issues it. Therefore, the consumer confirms that payment is proper by receiving it, and keeps the paper receipt for refund of the future purchase.

However, the users are often unable to keep the paper receipt due to overflowing paper receipts.

In order to overcome the problem of issuing paper receipts, a method of issuing electronic receipts (electronic receipts) has been proposed. However, this method is mainly used for online transactions, that is, transactions using the Internet, and electronic receipts It is necessary to have a method.

In addition, it is true that the user's signature (signature) must be stamped on the credit card payment, which is troublesome to users. Therefore, there are many cases where a user makes a signature of another form that is easy to write, rather than a signature of his / her own. In many cases, the employee of the shop himself encounters a signature, so that a wrong payment may occur.

Korean Patent Publication No. 10-2014-0111490 (date of publication September 19, 2014) Electronic receipt issuing processing system and method

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and an object of the present invention is to provide a system and method for issuing an electronic receipt in an offline store.

It is another object of the present invention to provide a system and method for issuing an electronic receipt to provide convenience by not requiring a user to directly sign, and to input a signature of an actual user.

Other objects of the present invention will become more apparent through the following preferred embodiments.

According to an aspect of the present invention, there is provided an information processing apparatus including an input device for receiving a telephone number; A POS terminal for receiving card information and amount information; And a receipt management device for generating and transmitting an electronic receipt corresponding to the payment information to the user terminal according to the telephone number when the payment information including the card information and the amount information and the telephone number are received from the POS terminal through the communication network An electronic receipt issuing system is provided.

Here, the receipt management apparatus can request signature information from the user terminal and reflect the received signature on the electronic receipt.

In addition, the receipt management device may transmit the signature to the POS terminal and issue the electronic receipt only when receiving the authentication success message from the POS terminal that performed the user authentication procedure.

Also, the receipt management apparatus may transmit the card information received from the force terminal to the user terminal, and receive the signature information designated in accordance with the card information from the user terminal.

The user terminal encrypts and transmits the signature information using previously stored card information as an encryption key, and the receipt management apparatus can decrypt the signature information using the card information.

Also, the user terminal may output an interface screen capable of receiving signature information from a user if the previously stored signature information does not exist.

Also, the receipt management apparatus can issue the electronic receipt only when the user terminal searches for a Wi-Fi AP corresponding to the POS terminal based on the Wi-Fi AP information searched by the user terminal.

According to another aspect of the present invention, there is provided a method for issuing an electronic receipt performed by a server apparatus coupled to a communication network, the method comprising: receiving payment information including the telephone number, card information, and amount information from a POS terminal, ; Generating an electronic receipt according to the payment information; And transmitting the electronic receipt to a user terminal according to the telephone number, and a recording medium on which a program for executing the method is recorded.

Here, the step of generating the electronic receipt may include requesting and receiving the signature information from the user terminal, and may generate the electronic receipt so that the user signature according to the signature information is included.

The method may further include decrypting the signature information received from the user terminal using the card information.

The method of claim 1, further comprising the steps of: storing signature information according to a signature input by a user; Authenticating the signature information request message received from the receipt management apparatus, and transmitting the signature information to the receipt management apparatus when authentication is successful; And receiving the electronic receipt including the payment information and the user signature corresponding to the signature information from the receipt management apparatus that has obtained the payment information from the POS terminal that processed the payment, and a method for executing the electronic receipt A recording medium on which a program is recorded is provided.

Here, the card according to the card information included in the signature information request message may be identified, and the signature information may be encrypted using the information on the card stored in advance and transmitted to the receipt management apparatus.

In addition, it is possible to determine whether to transmit the signature information according to whether a Wi-Fi AP according to Wi-Fi AP information included in the signature information request message is searched.

According to the present invention, it is possible to easily issue an electronic receipt even in an offline shop.

In addition, according to the present invention, a signature of an actual user is input, but the user does not need to directly sign it, thereby providing convenience.

1 is a block diagram schematically illustrating an electronic receipt issuing system according to an embodiment of the present invention;
2 is a flowchart illustrating an electronic receipt issuing process according to an embodiment of the present invention.
3 is a flowchart illustrating an electronic receipt issuing process using encrypted signature information performed in the receipt management apparatus according to an embodiment of the present invention.
4 is a flowchart illustrating an electronic receipt issuing process performed in a user terminal according to an embodiment of the present invention.
5 is a flowchart illustrating a process of providing signature information using AP information performed in a user terminal according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout the specification and claims. The description will be omitted.

FIG. 1 is a block diagram schematically illustrating an electronic receipt issuing system according to an embodiment of the present invention, and FIG. 2 is a flowchart illustrating an electronic receipt issuing process according to an embodiment of the present invention.

1, the overall system according to the present embodiment includes a user terminal 10, a force terminal 30, an input device 35, and a receipt management device 50. [

The user terminal 10 is a communication terminal used by a user, for example, a device such as a smart phone, to which a telephone number is assigned and is capable of communication using a communication network such as a mobile communication network.

The input device 35 may be an input device for receiving a telephone number from a user, for example, a device having a mechanical button or a device having a touch screen.

The POS terminal 30 is for processing a payment, and includes, for example, an input means for receiving an amount of money, a card reader for reading information in the card, And communication means for transmitting the payment information to a server (for example, a payment server or the like) that is set in advance. Since the POS terminal 30 is currently used in most shops, it will be apparent to those skilled in the art that further detailed description will be omitted.

The receipt management device 50 issues an electronic receipt from the POS terminal 30 and acquires the telephone number input through the input device 35 from the POS terminal 30 And transmits the generated electronic receipt to the user terminal 10 according to the telephone number.

Referring to FIG. 2, the POS terminal 30 according to the present embodiment inputs the telephone number through the connected input device 35 and the payment information is input (S10) To the combined receipt management device 50 (S20). The payment information may include amount information and card information (information on a credit card). Of course, in the case of cash payments other than credit card payments, the card information may be omitted or information about the cash receipt card for issuing cash receipts.

The receipt management device 50 generates an electronic receipt corresponding to the payment information received from the POS terminal 30 in step S30 and transmits the electronic receipt to the user terminal 10 according to the telephone number received from the POS terminal 30 (S40).

Accordingly, the user can make payment using his / her own credit card, etc., and receive an electronic receipt to his / her user terminal 10 when he / she inputs a telephone number.

Normally, when a card payment or the like is performed, a signature of a user is inputted to confirm whether or not the user is a normal user. However, it is true that most users find it cumbersome. According to an embodiment of the present invention, the receipt management device 50 inquires of the user terminal 10 to acquire information about a user's signature (hereinafter referred to as signature information) .

That is, when the receipt management device 50 requests the signature information from the user terminal 10, the user terminal 10 transmits the signature information stored in advance to the receipt management device 50. Accordingly, the receipt management device 50 can issue the electronic receipt in which the user signature is described according to the signature information, and also provides the signature information to the POS terminal 30 so that the POS terminal 30 can receive the signature Receipts, and so on, or to send payment-related information containing a user's signature to the payment server. Therefore, even if the user himself or herself does not write the signature, the user can receive the receipt reflecting the signature inputted to his / her user terminal in advance.

According to an example, the receipt management device 50 transmits the signature information received from the user terminal 10 to the POS terminal 30 and receives the authentication success message from the POS terminal 30 that has performed the user authentication procedure Only an electronic receipt may be issued. For example, the POS terminal 30 displays the signature information received from the receipt management device 50 on the provided display, and when it is determined by the user (the holder of the credit card and the user terminal 10) (For example, a confirmation completion command should be input to the POS terminal 30), and transmits an authentication success message to the receipt management device 50. According to another example, in order to enhance security, the POS terminal 30 receives a handwritten signature directly from the user, and only when the user signature and the handwritten signature based on the signature information received from the receipt management device 50 are the same And transmits the authentication success message to the receipt management device 50, and may also process the settlement normally.

Here, if the user terminal 10 transmits the signature information to the receipt management device 50 as it is, security incidents may occur in which a user's signature is exposed to the outside by a hacker, a virus, or the like in a communication process.

An embodiment for preventing the problem according to the present invention will be described.

3 is a flowchart illustrating an electronic receipt issuing process using encrypted signature information performed by the receipt management device 50 according to an embodiment of the present invention.

Referring to FIG. 3, the receipt management device 50 requests signature information from the user terminal 10 (S310). (Card information, amount information, etc.) to the user terminal 10 when requesting the signature information. In this case, the user terminal 10 may display the corresponding payment information on the screen and confirm the user. Alternatively, the user terminal 10 transmits the signature information to the receipt management device 50 only when the confirmation completion input from the user is input You may.

The receipt management device 50 receives the encrypted signature information from the user terminal 10 and uses the card information (for example, a card number or the like) corresponding to the payment information received from the POS terminal 30 as a decryption key to sign Information is decoded (S320). The user terminal 10 may encrypt and store the signature information using previously stored credit card information, or transmit the encrypted information in real time after encryption. For example, the user terminal 10 encrypts the signature information using the first eight digits of the previously stored credit card numbers as an encryption key and transmits the encrypted signature information to the receipt management device 50. The receipt management device 50, And decodes the first eight digits of the card number according to the card information received from the terminal 30 as a decryption key.

Therefore, since the signature information is received from the user terminal 10 in an encrypted state, even if the corresponding information is leaked in the course of communication, it can not be confirmed by another person, thereby solving the security problem.

If the signature information is properly decrypted, the receipt management device 50 determines that it is a normal process, and generates the electronic receipt by reflecting the decrypted signature information (S330).

If the receipt management device 50 determines that the user terminal 10 is to be encrypted using the card information in the case where the information related to a plurality of cards is registered in the user terminal 10, To the user terminal 10, card identification information (for example, four digits before the card number, etc.) according to the card information received from the force terminal 30 in S310. Therefore, the user terminal 10 recognizes the card according to the received card identification information, and encrypts the signature information using the card information of the recognized card.

Alternatively, the receipt management device 50 may transmit the card information received from the POS terminal 30 to the user terminal 10, and the user terminal 10 may transmit the designated signature information according to the received card information. In other words, different signature information may be registered for each card in the user terminal 10. In this case, the signature information according to the received card information is selected and provided to the receipt management device 50.

Hereinafter, a receipt issuing process performed by the user terminal 10 will be described.

4 is a flowchart illustrating an electronic receipt issuing process performed in the user terminal 10 according to an embodiment of the present invention.

Referring to FIG. 4, the user terminal 10 receives and registers card information and a signature (S410). That is, card information such as a card number is input as information on a card to be registered from the user, and the user's handwritten signature is input and stored. The signature may be input by a real-time touch input using a touch screen, or may be input as an image generated by a user in advance signing an autograph.

When the user terminal 10 receives the signature information request message including the card information from the receipt management device 50 at step S420, the user terminal 10 identifies the card according to the received card information at step S430, In operation S440, the registered signature information is encrypted using the registered and stored information (for example, eight digits before the card number, etc.) in S410, and transmitted to the receipt management device 50. [

According to another embodiment, if S410 is not performed before S420, the user terminal 10 may proceed to S410 after S420 (or output an interface for receiving only signature information). In other words, upon receipt of the request for the signature information, the user terminal 10 outputs an interface screen for allowing the user to directly input the signature, and transmits the signature information according to the real-time input signature to the receipt management device 50 .

According to an exemplary embodiment of the present invention, it is possible to check whether or not the user terminal 10 is located where the POS terminal 30 is located, in order to increase the security of settlement. The processing procedure according to the present invention will be described with reference to the accompanying drawings.

5 is a flowchart illustrating a process of providing signature information using AP information performed in the user terminal 10 according to an exemplary embodiment of the present invention.

Referring to FIG. 5, the user terminal 10 receives access point (AP) information from the receipt management device 50 (S510). For example, when receiving the signature information request message from the receipt management device 50, the user terminal 10 receives information on a Wi-Fi AP corresponding to the POS terminal 30. A WiFi AP is provided in a shop where the POS terminal 30 is located and the receipt management device 50 stores information on the WiFi AP corresponding to the preliminary POS terminal 30 or receives payment information from the POS terminal 30 It may acquire information about the Wi-Fi AP at the time of acquisition. Therefore, the receipt management device 50 transmits the AP information to the user terminal 10 as information capable of identifying the corresponding WiFi AP. For example, the AP information may be a MAC address of the corresponding WiFi AP.

The user terminal 10 determines whether there is an AP according to the received AP information among the APs searched for by the Wi-Fi function (S520). If the user terminal 10 is located at the same location as the POS terminal 30, the AP corresponding to the POS terminal 30 may be searched.

Accordingly, when the AP is searched, the user terminal 10 transmits the signature information to the receipt management device 50 (S530). Otherwise, the user terminal 10 does not transmit the signature information (S535).

According to the present embodiment, the user terminal 10 can send the signature information only when the actual user is located at the place where the settlement is performed, and the payment and the electronic receipt issuance can be processed thereby, do.

According to another embodiment, similarly, the receipt management device 50 acquires information about the APs searched out from the user terminal 10, and judges whether or not information about the AP corresponding to the POS terminal 30 is included You may decide whether to issue an electronic receipt. In other words, the receipt management device 50 issues an electronic receipt only when the user terminal 10 searches for a Wi-Fi AP corresponding to the POS terminal 30 based on the Wi-Fi AP information searched by the user terminal 10 will be.

The above-described method for issuing an electronic receipt according to the present invention can be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes all kinds of recording media storing data that can be decoded by a computer system. For example, it may be a ROM (Read Only Memory), a RAM (Random Access Memory), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device, or the like. In addition, the computer-readable recording medium may be distributed and executed in a computer system connected to a computer network, and may be stored and executed as a code readable in a distributed manner.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that various modifications and changes may be made.

10: User terminal
30: POS terminal
35: Input device
50: receipt management device

Claims (14)

An input device for receiving a telephone number;
A POS terminal for receiving card information and amount information; And
And a receipt management device for generating and transmitting an electronic receipt corresponding to the payment information to the user terminal according to the telephone number when the settlement information including the card information and the amount information and the telephone number are received from the POS terminal via the communication network, Receipt issuing system.
The method according to claim 1,
Wherein the receipt management device requests signature information from the user terminal and reflects the received signature on the electronic receipt when receiving the signature information.
The method of claim 2,
Wherein the receipt management device transmits the signature information received from the user terminal to the POS terminal and issues the electronic receipt only when receiving the authentication success message from the POS terminal that performed the user authentication procedure Receipt issuing system.
The method of claim 2,
Wherein the receipt management apparatus transmits the card information received from the force terminal to the user terminal and receives the signature information designated in accordance with the card information from the user terminal.
The method of claim 2,
Wherein the user terminal encrypts and transmits the signature information using previously stored card information as an encryption key, and the receipt management device decrypts the signature information using the card information.
The method of claim 2,
Wherein the user terminal outputs an interface screen capable of receiving signature information from a user if the previously stored signature information does not exist.
The method according to claim 1,
Wherein the receipt management device issues the electronic receipt only when the user terminal searches for a Wi-Fi AP corresponding to the POS terminal based on the Wi-Fi AP information searched by the user terminal.
A method of issuing an electronic receipt performed in a server apparatus coupled to a communication network,
Receiving payment information including the telephone number, the card information, and the money amount information from the POS terminal that has acquired the telephone number input from the user;
Generating an electronic receipt according to the payment information; And
And transmitting the electronic receipt to a user terminal according to the telephone number.
The method of claim 8,
The step of generating the electronic receipt includes:
Requesting and receiving signature information from the user terminal,
And the electronic receipt is generated so that a user signature according to the signature information is included.
The method of claim 9,
And decrypting the signature information received from the user terminal using the card information.
A method for issuing an electronic receipt performed by a user terminal,
Storing signature information according to a signature input from a user;
Authenticating the signature information request message received from the receipt management apparatus, and transmitting the signature information to the receipt management apparatus when authentication is successful; And
And receiving the payment information and the electronic receipt including the user signature according to the signature information from the receipt management apparatus that has obtained the payment information from the POS terminal that processed the payment.
The method of claim 11,
Identifying the card according to the card information included in the signature information request message, encrypting the signature information using information on the card stored in advance, and transmitting the encrypted information to the receipt management apparatus.
The method of claim 12,
Determining whether to transmit the signature information according to whether a Wi-Fi AP based on the Wi-Fi AP information included in the signature information request message is searched.
A recording medium on which a program for performing the method according to any one of claims 8 to 13 is recorded so as to be read by a computer.
KR1020150068621A 2015-05-18 2015-05-18 System and method for issuing electronic receipts KR20160135409A (en)

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