KR20170098962A - Electronic Funds and Receipt Transfer System - Google Patents

Abstract

The present invention is directed to a system and method for providing electronic funds and receipt delivery systems that enable a customer or an authorized third party to make receipt data associated with an EFTPOS settlement available in electronic form (26). According to a preferred embodiment, the receipt data generated by the seller at the time of sale is attached to the EFTPOS payment data and transmitted using the same channel known as the EFTPOS system 16. [ Otherwise, the receipt data is transmitted to a third party location for future retrieval. For access to the receipt data, the system allows the customer to access (22) their financial institution's Internet banking web page and allows printing, storage or e-mailing of a receipt copy generated by the seller at the time of sale (26) .

Description

Electronic Funds and Receipt Transfer System [0002]

The present invention relates to an electronic fund and a receipt transmission system.

Currently, electronic funds transfer, direct debit (EFTPOS) systems are widely used at retail outlets.

Currently, the EFTPOS system generates a large amount of paper receipts for customers using these services. In the presence of the EFTPOS system, a single receipt combined with the seller's receipt and the EFTPOS payment receipt is issued, or both receipts are issued with the seller's receipt and the EFTPOS payment receipt being separate. Many receipts issued are lost or damaged within a few days of issue. Many sellers also print EFTPOS receipts on thermal paper, which is known to fade over time.

These receipts can not be reissued in the EFTPOS system. In this case, therefore, the problem arises when the customer (buyer) needs to prove the purchase status and purchase history later.

Various systems and methods are disclosed in U.S. Patent Publication No. 2004/0064373 to solve these problems. Systems such as those described in the above U.S. patents aim to capture and store electronic payment receipts, but are not intended to be copies or detailed purchases of merchant receipts.

In accordance with one aspect of the present invention, the present invention allows merchant receipt data and EFTPOS payment data to be transmitted to at least one remote location, thereby enabling reissue of the original receipt, such as that generated by the merchant at the time of payment, And a system for transferring and storing electronic receipt data related to an electronic funds transfer, which is made possible for a purchaser.

Optionally, the present invention provides a system in which the data from the seller's receipt data and EFTPOS payment data is encrypted and / or compressed prior to transmission. Also, the data may be transferred to a third party location and stored.

Preferably, the third party location is a server farm. In this case, the data may be stored in a server farm, and transferred from the server farm by a customer's financial institution or other certification authority.

According to another aspect of the present invention, the present invention provides a method for transmitting and storing electronic receipt data associated with electronic funds transfer, characterized by the steps of:

Attaching the seller's receipt data to EFTPOS payment data;

Electronically transmitting merchant receipt data and EFTPOS payment data to at least one remote location;

Connecting receipt data and EFTPOS settlement data to the customer's account; And

Making an electronic copy of the merchant receipt for use by the customer.

BRIEF DESCRIPTION OF THE DRAWINGS The invention will be described in the form of embodiments with reference to the accompanying drawings.
Figure 1 is a copy of one EFTPOS payment receipt.
Figure 2 is a copy of a merchant receipt for an EFTPOS settlement.
Figure 3 is a process flow chart illustrating one embodiment of the method of the present invention.

Financial institutions referred to herein include, but are not limited to, banks, housing finance associations, credit unions, certified depository institutions (ADI's), government agencies, retail stores providing gift card services, and credit card providers.

With reference to Figure 1, Figure 1 shows one EFTPOS payment receipt. These receipts are issued each time you make an EFTPOS payment. The information contained in the EFTPOS payment receipt is limited. The known EFTPOS payment receipts display not only the amount the customer will transfer to the seller's account, but also other details (such as card number and account type) associated with the card used, the seller's unique number, the terminal number, and the payment number. These receipts only show the fact of purchase, so they can not be used to demonstrate that a particular item was purchased from a seller. In addition, the above EFTPOS payment receipt alone is not suitable for claiming a tax refund for the reasons mentioned above.

With reference to Figure 2, Figure 2 shows a merchant receipt showing everything about EFTPOS settlement on the receipt. The merchant receipt not only displays the purchased items clearly but also displays the prices of the individual items. These receipts are also suitable for claiming tax refunds or deductions. In addition, customers can clearly see when they made a purchase and what they bought.

With reference to FIG. 3, FIG. 3 illustrates a system and method for transferring receipt data to a customer's financial institution to allow a customer to later access a copy of the merchant receipt. This receipt data is appended to the EFTPOS data that is normally sent to the merchant's financial institution upon completion of the EFTPOS settlement. Otherwise, the receipt information may be transmitted to a third party location, such as a server farm, for retrieval by the customer's financial institution or other third party certificate authority.

In operation using the system of the present invention, the payment begins with the customer selecting the goods and / or services that the customers desire to purchase from the seller (10). The merchant then enters the sales information into their POS system using an appropriate method such as barcode scanning or PLU (12). Once the customer chooses to pay by electronic funds transfer (14), the EFTPOS payment data is generated and the computer system of the merchant's POS system normally transfers the data to the seller's financial institution upon payment authorization.

According to a preferred embodiment of the present invention, once the EFTPOS settlement has been approved and recorded by the seller's POS, additional data is attached to the data used for EFTPOS settlement. The merchant POS system transmits electronic data (including EFTPOS payment data and merchant receipt data) to the system of the present invention. The system of the present invention then sends the data to a financial institution of the merchant that the EFTPOS payment data normally expects to arrive via a secure connection (such as a digital subscriber line, VPN, or Internet) . The additional data attached to the EFTPOS payment data includes the merchant ' s receipt data, such as the purchased individual goods needed to reissue the receipt later.

Items such as a merchant ' s logo or trademark may not be included in the transmitted data in order to reduce the size of the data attached to the EFTPOS payment data. Often the regeneration data such as the seller's logo, trademark, address, or header and footer data may be stored or linked with the seller's EFTPOS seller identification number for identification purposes.

Once the combined merchant receipt and EFTPOS payment data have been transmitted by the system of the present invention and received by the merchant's financial institution (16), storing the data for later transfer to the customer's bank is provided to the seller's financial institution It is a common practice.

The combined receipt and EFTPOS payment data are automatically transferred to the customer's financial institution at the time the seller's financial institution is expected to normally transfer the EFTPOS payment data to the customer's financial institution (18).

One known computer system of the customer's financial institution can process the EFTPOS payment data normally and create the appropriate connection and history within the customer's account. In one preferred embodiment of the present invention, the computer system of the customer financial institution also processes the receipt data of the merchant sent to the customer financial institution (20). Because the customer financial institution processes the combined merchant receipt and EFTPOS payment data, the customer's financial institution's computer system can generate the appropriate connection and history within the customer's account.

Optionally, the customer's financial institution's computer system does not process the receipt data, but instead may store the receipt data by the time requested by the customer as described below. The length of time the merchant receipt data stored by the customer's financial institution's computer system depends on the policy or statutory requirements of the financial institution concerned.

Linking merchant receipt data and EFTPOS payment data to a customer's account will allow customers to access their bank's Internet banking web page (22) and view receipts associated with each EFTPOS settlement (24).

Seller's logo or trademark and other information that is not transmitted because it is repeated on all receipts may be generated from the customer's financial institution or from a copy stored at a third party location. Using techniques known in the field of receipt technology, receipt data and EFTPOS payment data will have additional information to allow the customer to view receipts in their Internet browser (26).

The customer may copy the information on the receipt in a proper manner, such as printing a copy of the receipt by means of a function derived from the customer's Internet browser, storing the receipt in the electronic format device or attaching it to the email.

According to another preferred embodiment of the present invention, when it is requested to secure security or to reduce the size of the data to be transmitted, the merchant's receipt data and EFTPOS payment data may be encrypted at any stage of the described process and / Can be compressed.

In another embodiment of the present invention in which the merchant ' s POS system allows electronic data to be moved to the system of the present invention, the system of the present invention does not append merchant receipt data to EFTPOS payment data transmitted from the customer financial institution. In this embodiment, a copy of at least a portion of the merchant receipt data and EFTPOS payment data is transmitted to a third party location, such as a server farm. Transmission of the receipt data to the third party location is performed by secure connection. The EFTPOS payment data sent to the third party location is needed to correlate the settlement with the customer financial institution records. According to this embodiment, the data transmitted from the third party location is automatically transferred to the customer's financial institution at a predetermined time. Upon receipt of the data, the EFTPOS data transmitted with the receipt data is transmitted to the computer system of the financial institution by generating the appropriate connection and history in the customer's account and sending the merchant receipt data and EFTPOS payment Used to map data.

Optionally, the data contained in the merchant receipt to be transmitted by the system of the present invention is encrypted and / or compressed using conventional compression algorithms. This reduces the size of the data transmission when receipt data and at least some EFTPOS data are transmitted to a third party location. This would reduce the storage capacity required to store merchant receipt data and EFTPOS payment data at third party locations. In this embodiment, the merchant receipt data is stored in encrypted and / or compressed form until retrieved as described herein.

In a preferred embodiment of the present invention, the merchant receipt data is not attached to the EFTPOS payment data of the customer's financial institution but is transmitted to the third party location via the secure connection described above together with at least some EFTPOS data. However, in this embodiment, the merchant receipt data is maintained at the location of the third party until the customer financial institution requests the data. The requested data is transmitted to the customer's financial institution via a secure connection. Upon receipt of the data, the EFTPOS data transmitted with the receipt data is transmitted to the computer system of the financial institution by generating the appropriate connection and details within the customer's account and sending the merchant receipt data and EFTPOS It is used to correspond payment data.

Optionally, the receipt data transmitted and stored at the location of the third party is first encrypted and / or compressed. This encrypted / compressed data is transferred to the customer's financial institution. The customer's financial institution's computer system decrypts the data and / or decompresses the data prior to creating the appropriate connection and / or history within the customer's account.

In another preferred embodiment of the present invention, the merchant receipt data is not attached to the EFTPOS payment data of the customer's financial institution but is transmitted to the third party location via the secure connection described above together with at least some EFTPOS data. However, in this embodiment, the receipt data is maintained in the third party location until the customer's financial institution requests the data. According to this embodiment of the present invention, only the customer's financial institution accesses the Internet banking web page of the financial institution and requests data for a specific settlement in response to the requested information. The requested data is transmitted to the customer's financial institution via a secure connection. Upon receipt of the data, the EFTPOS data transmitted with the receipt data is transmitted to the computer system of the financial institution by generating the appropriate connection and details within the customer's account and sending the merchant receipt data and EFTPOS It is used to correspond payment data.

Optionally, the receipt data transmitted and stored at the location of the third party is first encrypted and / or compressed. The encrypted / compressed data is transmitted to the customer's financial institution. The customer's financial institution's computer system decrypts the data and / or decompresses the data prior to creating the appropriate connection and / or history within the customer's account.

In another preferred embodiment of the present invention, the merchant receipt data is not attached to the EFTPOS payment data of the customer's financial institution but is transmitted to the third party location via the secure connection described above together with at least some EFTPOS data. However, in this embodiment, the receipt data is maintained in the third party location until the customer's financial institution requests the data. According to this embodiment of the present invention, only the customer's financial institution accesses the Internet banking web page of the financial institution and requests data for a specific settlement in response to the requested information. The requested data is made available to the customer's financial institution's computer system via a secure connection. The computer system of the customer financial institution displays the data to the customer through the Internet banking web page of the financial institution. According to this embodiment of the invention, the customer's financial institution's Internet banking page will show information held at the location of the third party rather than the information held at the server of the customer's financial institution.

Optionally, the receipt data transmitted and stored at the location of the third party is first encrypted and / or compressed. The computer system of the third party location decrypts and / or decompresses the data prior to transferring the data to the customer banking institution's computer system for display on the customer banking institution's Internet banking page.

The system of the present invention has applicability to a wide range of:

Proof of tax claim;

Demonstration of a quality certificate for the defective article;

The purpose of information about where the product was purchased; And

Promotion of tax office compliance activities.

Obvious changes and modifications of the invention by those skilled in the art are deemed to be included in the scope of the present invention.

Claims (20)

When the seller's receipt data and EFTPOS payment data generated at the point of sale are electronically transferred to the at least one remote network location for storage and upon receiving a request from a customer or authorized third party at the remote network location, Of the original receipt of the paper receipt is made using the EFTPOS settlement data sent together so that the regeneration of the original paper receipt made up of the seller's receipt data that was created or created by the seller at the point of sale is not made by the customer or an authorized third party The electronic receipt data associated with the electronic funds transfer.
The system of claim 1, wherein the merchant's receipt data comprises merchant ' s logo information.
3. The system of claim 1 or 2, wherein the remote network location is the financial institution of the customer.
3. The system of claim 1 or 2, wherein the remote network location is a third party location.
5. The system of claim 4, wherein the electronic receipt data transmitted to the third party location comprises merchant receipt data and at least some EFTPOS payment data.
6. The system of claim 5, wherein the electronic receipt data transmitted to the third party location is at least partially encrypted and / or compressed.
7. The system of claim 6, wherein electronic receipt data transmitted to the third party location is automatically transferred from the third party location to a customer's financial institution at a predetermined time.
7. The system of claim 6, wherein the electronic receipt data transmitted to the third party location is further transmitted to the financial institution from the third party location upon request of the customer's financial institution.
7. The system of claim 6, wherein the electronic receipt data transmitted to the third party location is made available to the customer's financial institution upon request of the customer's financial institution.
9. The system of claim 8, wherein the request to the financial institution from the customer causes the associated data to be transferred to the third party location.
The system of claim 1, wherein the merchant receipt data and EFTPOS payment data are subjected to encryption and / or compression before being transmitted to the remote network location.
The seller system generating merchant receipt data at the time of sale;
The merchant system generating EFTPOS payment data associated with the merchant receipt data;
The merchant system attaching the merchant receipt data to at least a portion of the EFTPOS payment data;
The merchant system electronically transmitting the merchant receipt data and the EFTPOS payment data to at least one remote network location;
Linking the customer's financial institution computer with the EFTPOS payment data to an account of the customer's financial institution so that the EFTPOS payment data is identified with merchant receipt data associated therewith; And
Creating an electronic copy of the paper receipt original, which is made available to the customer when the financial institution receives the request from the customer, comprising receipt data of the merchant from which the customer's financial institution computer was created or created by the seller ;
And transmitting and storing the electronic receipt data related to the electronic funds transfer.
13. The method of claim 12, wherein the remote network location is a customer's financial institution.
13. The method of claim 12, wherein the remote network location is a third party server farm.
13. The method of claim 12, wherein the step of connecting and the step of making the electronic copy are not completed until the customer requests a copy of the paper receipt original.
13. The method of claim 12, wherein the method further comprises electronically transferring at least a portion of the merchant receipt data and the EFTPOS payment data to the remote network location via a secure connection.
17. The method of claim 16, wherein the method further comprises transmitting to the remote network location to store at least a portion of the merchant receipt data and the EFTPOS payment data, when the remote network location receives a request from the customer's financial institution Further comprising: establishing a secure connection between the financial institution and the remote network location; and electronically transmitting the merchant receipt data and the EFTPOS payment data to the financial institution.
18. The method of claim 17, wherein the method further comprises: making the remote network location securely link the merchant receipt data and the EFTPOS payment data to the financial institution of the customer, Data and the EFTPOS settlement data are securely connected and usable.
19. The method of claim 18, further comprising: encrypting the merchant receipt data and the EFTPOS payment data transmitted to the remote network location.
20. The method of claim 19, further comprising decrypting the merchant receipt data and the EFTPOS payment data received by the remote network location.

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