KR20220007387A - Apparatus and method for providing electronic receipt using payment matching information - Google Patents

Abstract

The present invention relates to an apparatus for providing an electronic receipt using payment matching information, which easily and conveniently issues and provides an electronic receipt to a user without requiring user identification information, and a method thereof. According to the present invention, the method comprises the following steps: receiving payment information including at least a user's payment amount from a payment terminal when payment between the payment terminal and a payment approval server is approved; using approval information issued by the payment approval server and detailed information determined at the time of approval among the payment information to generate user's unique payment matching information for electronic receipt issuance; querying the payment matching information to the payment approval server to receive user identification information; generating an electronic receipt on the basis of the payment information and the user identification information; and storing the electronic receipt in connection with an electronic receipt associator, selectively determining transmission to the payment approval server in response to a request for providing information on the electronic receipt, and providing the electronic receipt associator to the user terminal.

Description

Device and method for providing electronic receipt using payment matching information

The present invention relates to an electronic receipt providing technology, and more particularly, to an electronic receipt providing device and method using payment matching information that can easily and conveniently issue and provide an electronic receipt without requiring a separate user identification information from the user. it's about

In general, to purchase a desired product at an offline store (eg, a member store), a user may use cash or a credit card to pay for the product. When the product payment is completed in this way, the offline store provides the user with a paper receipt or issues an electronic receipt that can replace the paper receipt.

In order to issue an e-receipt as described above, personal information such as a user's resident registration number, phone number, or mobile phone number is required, or a membership card or number of a merchant is presented, and user authentication is performed through this, and the user's mobile terminal An electronic receipt may be provided.

However, in this case, whenever a user visits various offline stores and purchases a product, there is a inconvenience in that the user has to provide personal information of the user or a membership card or number provided by the store in order to issue an electronic receipt.

Therefore, there is a need for a method for easily and conveniently issuing an electronic receipt without requiring the user to receive separate user identification information (eg, personal information of the user, membership card or number of a member store, etc.) for issuing the electronic receipt.

Korea Patent Registration No. 10-1255142 (April 10, 2013) relates to a method for issuing an electronic receipt, and a key value corresponding to an electronic receipt or electronic receipt information that includes payment details to the customer's mobile terminal after purchasing an item or receiving a service It is possible to provide an electronic receipt issuance method that does not use paper receipts by sending

Korean Patent Registration No. 10-1625916 (2016.05.25) relates to a method and device for issuing an electronic receipt, an application mounted on a dedicated smartphone for issuance of an electronic receipt, software (SW) provided to a merchant terminal, an electronic receipt and By building a separate server that processes related functions and providing an API (Application Programming Interface) using a separate standardized communication protocol to the operator, the e-receipt issuer system, the receiver's receiving module, and other related systems can be used regardless of the solution. It is possible to provide a method and apparatus for issuing an electronic receipt that enables interoperability.

Korean Patent Registration No. 10-1255142 (2013.04.10) Korean Patent Registration No. 10-1625916 (2016.05.25)

An embodiment of the present invention is to provide an electronic receipt providing apparatus and method using payment matching information that can easily and conveniently issue and provide an electronic receipt without requiring separate user identification information from the user.

An embodiment of the present invention is to provide an electronic receipt providing apparatus and method using payment matching information that can generate user identifiable payment matching information based on information extracted from payment information without the user's unique information.

An embodiment of the present invention is to provide an electronic receipt providing apparatus and method using payment matching information that can be selectively applied and utilized in the service provision process at the time of issuance of the electronic receipt by classifying and classifying various items displayed on the electronic receipt. .

In embodiments, the electronic receipt providing device using payment matching information includes a payment information receiving unit configured to receive payment information including at least a user's payment amount from the payment terminal when a payment between a payment terminal and a payment approval server is approved; A payment matching information generation unit that generates user-specific payment matching information for issuance of an electronic receipt using the approval information issued by the payment approval server itself among the payment information and detailed information determined at the time of approval, the payment matching information A user identification information receiving unit that receives user identification information by querying the payment approval server, an electronic receipt generating unit that generates an electronic receipt based on the payment information and the user identification information, and connecting the electronic receipt with an electronic receipt associate and an electronic receipt management unit that stores, selectively determines transmission to the payment approval server according to a request for providing information on the electronic receipt, and provides the electronic receipt related person to the user terminal.

The e-receipt essentially includes payer information and payment history information as permanent receipt information, optionally includes a service order number and waiting number/time as permanent service information, and a temporary password, a temporary coupon number and Parking time is selectively included, and each of the permanent receipt information, the permanent service information, and the temporary service information is displayed to match a plurality of division areas constituting an electronic receipt area, and at least one of the plurality of division areas may include a trigger area that triggers an additional authentication process to confirm the details displayed at a specific location.

The detailed information includes static related information objectively determined in relation to a payment place and dynamic related information that is related to the approval time and generated by the payment terminal itself, and the payment matching information generating unit serves as the static related information as the static related information. The payment matching information may be generated by mutually combining the approval information with any one of a payment date and a payment time as the dynamic related information with any one of a number and an affiliated store identification number.

The electronic receipt generating unit determines whether the user is subject to issuance of an electronic receipt based on the user identification information, generates the electronic receipt if the electronic receipt is to be issued, and if not, the payment information can be deleted.

The electronic receipt management unit may process and transmit the electronic receipt in the form of an electronic receipt designated by the payment approval server according to the request of the payment approval server.

The e-receipt management unit may provide the e-receipt associate to the user terminal according to any one of providing methods including a push notification, a message, and an email through a dedicated app.

The e-receipt management unit may provide a stored e-receipt to the user terminal in connection with a corresponding e-receipt associate when receiving an e-receipt inquiry request from the user terminal according to a receiving method related to the providing method.

In embodiments, the method for providing an electronic receipt using payment matching information includes: receiving payment information including at least a user's payment amount from the payment terminal when a payment between a payment terminal and a payment approval server is approved; the payment information generating a user's own payment matching information for issuance of an electronic receipt using the approval information issued by the payment approval server itself and the detailed information determined at the time of approval, querying the payment matching information to the payment approval server receiving user identification information, generating an electronic receipt based on the payment information and the user identification information, and storing the electronic receipt by linking it with an electronic receipt associate, and responding to a request for providing information on the electronic receipt Selectively determining the transmission to the payment approval server according to the, and may include the step of providing the electronic receipt associate to the user terminal.

The disclosed technology may have the following effects. However, this does not mean that a specific embodiment should include all of the following effects or only the following effects, so the scope of the disclosed technology should not be understood as being limited thereby.

The electronic receipt providing apparatus and method using payment matching information according to an embodiment of the present invention can generate user identifiable payment matching information based on information extracted from payment information without the user's unique information.

The electronic receipt providing apparatus and method using payment matching information according to an embodiment of the present invention can be selectively applied and utilized in the service provision process at the time of issuance of the electronic receipt by classifying and classifying various items displayed on the electronic receipt.

1 is a view for explaining the configuration of an electronic receipt providing system according to the present invention.
Figure 2 is a block diagram illustrating the functional configuration of the electronic receipt providing device in Figure 1.
FIG. 3 is a flowchart illustrating an electronic receipt providing process using payment matching information performed by the electronic receipt providing device of FIG. 1 .
4 is a view for explaining a process of generating and providing an electronic receipt using payment matching information in the electronic receipt providing device.
5 is a flowchart illustrating an embodiment of an electronic receipt providing process performed by the electronic receipt providing apparatus of FIG. 1 .
6 is an exemplary view for explaining the form of an electronic receipt provided to the user terminal in FIG.

Since the description of the present invention is merely an embodiment for structural or functional description, the scope of the present invention should not be construed as being limited by the embodiment described in the text. That is, since the embodiment may have various changes and may have various forms, it should be understood that the scope of the present invention includes equivalents capable of realizing the technical idea. In addition, since the object or effect presented in the present invention does not mean that a specific embodiment should include all of them or only such effects, it should not be understood that the scope of the present invention is limited thereby.

On the other hand, the meaning of the terms described in the present application should be understood as follows.

Terms such as “first” and “second” are for distinguishing one component from another, and the scope of rights should not be limited by these terms. For example, a first component may be termed a second component, and similarly, a second component may also be termed a first component.

When a component is referred to as being “connected to” another component, it may be directly connected to the other component, but it should be understood that other components may exist in between. On the other hand, when it is mentioned that a certain element is "directly connected" to another element, it should be understood that the other element does not exist in the middle. Meanwhile, other expressions describing the relationship between elements, that is, "between" and "between" or "neighboring to" and "directly adjacent to", etc., should be interpreted similarly.

The singular expression is to be understood as including the plural expression unless the context clearly dictates otherwise, and terms such as "comprises" or "have" refer to the embodied feature, number, step, action, component, part or these It is intended to indicate that a combination exists, and it should be understood that it does not preclude the possibility of the existence or addition of one or more other features or numbers, steps, operations, components, parts, or combinations thereof.

In each step, identification numbers (eg, a, b, c, etc.) are used for convenience of description, and identification numbers do not describe the order of each step, and each step clearly indicates a specific order in context. Unless otherwise specified, it may occur in a different order from the specified order. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

The present invention can be embodied as computer-readable codes on a computer-readable recording medium, and the computer-readable recording medium includes all types of recording devices in which data readable by a computer system is stored. . Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. In addition, the computer-readable recording medium is distributed in a computer system connected to a network, so that the computer-readable code can be stored and executed in a distributed manner.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs, unless otherwise defined. Terms defined in general used in the dictionary should be interpreted as having the meaning consistent with the context of the related art, and cannot be interpreted as having an ideal or excessively formal meaning unless explicitly defined in the present application.

1 is a view for explaining the configuration of an electronic receipt providing system according to the present invention.

Referring to FIG. 1 , the electronic receipt providing system 100 may include a payment terminal 110 , a payment approval server 130 , an electronic receipt providing device 150 , a database 170 , and a user terminal 190 . .

The payment terminal 110 may correspond to a computing device capable of processing payment according to product purchase or service use and confirming the result, and is provided for payment in a store or affiliated store, such as a POS device, a kiosk device, etc. It may be implemented with a computer, and is not necessarily limited thereto, and may be implemented with various types of computing devices to process payment using a payment method presented by a user, such as cash payment, card payment, simple payment, or mobile payment. The payment terminal 110 may be connected to the electronic receipt providing device 150 through a network, and a plurality of payment terminals 110 may be simultaneously connected to the electronic receipt providing device 150 .

In one embodiment, the payment terminal 110 requests payment approval according to the user's payment details to the payment approval server 130, and when information indicating that payment approval is completed is received from the payment approval server 130, the payment information is electronically It may be delivered to the receipt providing device 150 . That is, when the payment is approved, the payment terminal 110 may transmit payment information including at least the user's payment amount to the electronic receipt providing device 150 .

The payment approval server 130 may include a general-purpose computer, laptop, data server, etc. that calculates various data in order to perform payment approval for the user's payment details. In one embodiment, the payment approval server 130 may include a card company server, a mobile payment server, a simple payment server, etc., but is not limited thereto, but a VAN (Value Added Network) server or PG (Payment Gateway) for electronic payment. ) and the like. When the payment approval server 130 requests approval for payment details according to the user's purchase of goods or service use from the payment terminal 110 , the payment approval server 130 completes the payment approval and transfers information indicating that the payment approval is completed to the payment terminal 110 . can Here, the payment details may include product information input or selected in the payment terminal 110 in relation to a product purchased by the user or a service provided to the user, service information, or payment amount.

In an embodiment, the payment approval server 130 may issue approval information regarding the corresponding payment to the payment terminal 110 after the payment is approved. Here, the approval information may include an approval number or an approval key that is uniquely issued for each user by the payment approval server 130 . On the other hand, when payment matching information is received from the electronic receipt providing device 150 , the payment approval server 130 checks user identification information corresponding to the payment matching information and provides the verified user identification information to the electronic receipt providing device 150 . can do.

To this end, the payment approval server 130 stores the merchant name, merchant address, merchant contact information, payment time, payment amount, approval information (eg, approval number, approval key, etc.) and user identification information (eg, user ID, name, Contact information, etc.) including payment approval history information can be stored. That is, when payment matching information is received from the electronic receipt providing device 150, the payment approval server 130 checks the user identification information related to the payment matching information based on the pre-stored payment approval details, and sends the confirmed user identification information electronically. It may be delivered to the receipt providing device 150 . In an embodiment, the payment approval server 130 may request and receive the electronic receipt data DATA from the electronic receipt providing device 150 .

The electronic receipt providing device 150 may be implemented as a server corresponding to a computer or program capable of generating and providing an electronic receipt for payment to the user terminal 190 . The electronic receipt providing device 150 may be connected to the payment terminal 110 , the payment approval server 130 , and the user terminal 190 through a network, and may exchange information.

In an embodiment, the electronic receipt providing device 150 may receive payment information from the payment terminal 110 and may receive user identification information for generating an electronic receipt from the payment approval server 130 . That is, the electronic receipt providing device 150 provides user identification information (eg, user phone number) through a query to the payment approval server 130 without requiring separate information (user personal information, membership number, barcode, etc.) from the user. number) can be provided. Also, the electronic receipt providing device 150 may provide the electronic receipt to the payment approval server 130 or the user terminal 190 .

In one embodiment, the electronic receipt providing device 150 may be linked to the database 170 to generate an electronic receipt and to store it in connection with an electronic receipt associate. On the other hand, the electronic receipt providing device 150 may be implemented by including a database therein as necessary. In addition, the electronic receipt providing device 150 may be implemented including a processor, a memory, a user input/output unit and a network input/output unit, which will be described in more detail with reference to FIG. 2 .

The user terminal 190 may correspond to a computing device that can request an inquiry about the electronic receipt and check the result, and may be implemented as a smart phone, a notebook computer, or a computer, but is not necessarily limited thereto, and may include a tablet PC, etc. It can also be implemented as a device. The user terminal 190 may be connected to the electronic receipt providing device 150 through a network, and a plurality of user terminals 190 may be simultaneously connected to the electronic receipt providing device 150 .

Figure 2 is a block diagram for explaining the functional configuration of the electronic receipt providing device in Figure 1.

Referring to FIG. 2 , the electronic receipt providing device 150 includes a payment information receiving unit 210 , a payment matching information generating unit 220 , a user identification information receiving unit 230 , an electronic receipt generating unit 240 , an electronic receipt management unit ( 250 ) and a control unit 260 .

When the payment between the payment terminal 110 and the payment approval server 130 is approved, the payment information receiving unit 210 may receive payment information including at least the user's payment amount from the payment terminal 110 . That is, the user may purchase a product or use a specific service at a specific store, and may pay a price for the product. When the user provides a payment method, the payment may be processed through the payment terminal 110 installed in the specific store. The payment terminal 110 may request payment approval to the payment approval server 130 by generating payment details based on the information read for payment processing, and the payment approval server 130 confirms the payment details to approve the payment may be processed, and as a processing result, information indicating that payment approval is completed may be transmitted to the payment terminal 110 .

Accordingly, the payment terminal 110 may provide payment information related to payment approval to the electronic receipt providing device 150 according to payment approval from the payment approval server 130 , and the electronic receipt providing device 150 may provide payment information This may be received through the receiver 210 . In this case, the payment information may correspond to a set of information excluding user identifiable information as payment-related information. That is, the electronic receipt providing device 150 generates information for user identification as a combination of payment-related surrounding information even if user identification information is not directly provided from the payment terminal 110 or the payment approval server 130 to create a sensitive individual. Information leakage can be prevented.

The payment matching information generation unit 220 generates user-specific payment matching information for electronic receipt issuance by using the approval information issued by the payment approval server 130 and detailed information determined at the time of approval among the payment information. can Here, the payment matching information may be generated based on indirect information provided by the payment terminal 110 or the payment approval server 130 as unique information for identifying the user. That is, the payment matching information generation unit 220 is from the payment terminal 110 or the payment approval server 130, such as personal information or unique information, from the surrounding information generated due to payment, not information that requires authentication or security procedures. Information for user identification may be generated.

In particular, the approval information corresponds to information generated in the process of processing a payment in the payment approval server 130, such as an approval number, but may correspond to information that can be duplicated to different users. In addition, the detailed information is information determined in connection with payment at the time of payment approval by the payment approval server 130 and may correspond to information that can be duplicated to different users.

In an embodiment, the detailed information may include static association information objectively determined in relation to a payment place and dynamic association information self-generated by the payment terminal 110 in association with an approval time. For example, static related information is information dependent on the place of payment, and may correspond to information that is selectively determined according to payment among already generated information, such as a business number associated with a store or affiliated store where payment is made, and an affiliated store identification number. have. In addition, the dynamic association information is information dependent on the time when payment approval is made in the payment approval server 130 and may correspond to information generated by being dynamically related for each payment, such as a payment date or a payment time.

In one embodiment, the payment matching information generation unit 220 as static related information, any one of a business number and an affiliated store identification number as dynamic related information, as dynamic related information, any one of a payment date and a payment time and approval information by mutually combining the payment matching information can create That is, 1) a business number or affiliate identification number as information related to the store where the payment is made, 2) the payment date or time of payment as information related to the time when the payment is made, 3) the approval number issued by the payment approval server 130 When combined with each other, payment matching information can be generated as unique identification information for each user. For example, the payment matching information generation unit 220 may generate payment matching information through a sequential combination of 1) + 2) + 3), and, if necessary, extracts only a number of a specific digit for each number. combination can be performed.

The user identification information receiving unit 230 may receive user identification information by querying the payment matching information to the payment approval server 130 . The payment approval server 130 may identify the user based on the payment matching information and may transmit the user identification information to the electronic receipt providing device 150 . The user identification information may include a card number or phone number of a user registered in the payment approval server 130 .

On the other hand, the electronic receipt providing device 150 may check the user's electronic receipt issuance address through the user identification information. In addition, when the user registers the electronic receipt receiving method, the electronic receipt providing device 150 may check the user's electronic receipt receiving method through user identification information. The user can register the e-receipt receiving method, such as receiving by e-mail or text message, or receiving through a chatting app or card company app, and can receive the e-receipt through the registered method. The electronic receipt providing device 150 may indirectly perform user identification through the payment approval server 130 without going through a separate procedure for directly requesting related information from the user for issuance of the electronic receipt.

The electronic receipt generator 240 may generate an electronic receipt based on payment information and user identification information. The electronic receipt generating unit 240 may generate an electronic receipt according to a standardized electronic receipt format, and the electronic receipt may include details of the same item as the paper receipt item.

In one embodiment, the electronic receipt generating unit 240 is an item classification module for classifying a plurality of receipt items into mandatory and optional items, and by determining an item value for each required item, consisting of essential items and item values. A required item calculation module for generating a required item item, a selection item calculation module for determining an item value for at least one randomly selected item among the selection items to generate a choice item item composed of a selection item and item value, and a set of templates Receipt template determination module for determining a receipt template for the arrangement of mandatory and optional items in the e-receipt object including a template identifier for the receipt template and item links accessible to the required and optional items It may include an e-receipt object creation module to generate.

More specifically, the electronic receipt generation unit 240 may classify the plurality of receipt items into essential items and optional items through the item classification module. The electronic receipt providing device 150 may build in advance a DB about the receipt items used to generate the electronic receipt, and the item classification module is based on the DB based on the essential items and necessary items essential to be included in the creation of the electronic receipt. It is possible to classify and classify optional items that are selectively included in accordance with each other.

In addition, the electronic receipt generating unit 240 may determine the item value (value) for each essential item through the essential item calculation module to generate a required item item composed of the essential item and the item value. For example, if the required item is 'product name', the required item calculation module extracts the item value corresponding to 'product name' from the payment information and consists of (required item, item value) = ('product name', 'toothbrush') You can create required items.

In addition, the electronic receipt generating unit 240 may generate a selection item consisting of the selection item and the item value by determining the item value for each at least one item randomly selected among the selection items through the selection item calculation module. The selection items may be selectively included in the electronic receipt as needed, and the electronic receipt providing device 150 may determine in advance the selection items to be included in the electronic receipt. The selection item calculation module may determine an item value according to a preset selection item, and if there is no preset value, the item value may be determined based on payment information or information stored in the database 170 for a randomly selected selection item. have.

In addition, the electronic receipt generator 240 may determine a receipt template for arranging essential items and optional items in a template set through the receipt template determination module. A template may correspond to a form that defines various format structures of an electronic receipt, and includes design information on the print area of the electronic receipt, such as items included in the electronic receipt and the arrangement location and size of the items. can do. That is, the template set may correspond to a set of various electronic receipt forms. The electronic receipt generating unit 240 may generate an electronic receipt by determining item values for items included in the corresponding receipt template based on a specific receipt template and arranging each item value at a designated location.

In addition, the e-receipt generating unit 240 may generate an e-receipt object including a template identifier for the receipt template and item links accessible to essential and optional items through the e-receipt object generating module. . The e-receipt generating unit 240 may store the generated e-receipt in the form of a receipt image, and may store only information for generating the e-receipt in the form of an object. That is, the e-receipt object may be defined to include only e-receipt data (DATA) included in the e-receipt, and the e-receipt generator 240 is a template identifier for identifying the receipt template, each item disposed in the receipt template. It is possible to store the item links related to the e-receipt objects in units of e-receipt objects.

Accordingly, the electronic receipt providing device 150 may read the electronic receipt object stored in the database 170 , restore the electronic receipt based on the information of the corresponding electronic receipt object, and provide it to the user terminal 190 . On the other hand, the electronic receipt providing device 150 may provide the electronic receipt data (DATA) to the payment approval server 130 when there is a request from the payment approval server (130). At this time, of course, sensitive information such as user personal information in the electronic receipt data DATA provided to the payment approval server 130 may be encrypted or removed by the electronic receipt providing device 150 .

In one embodiment, the electronic receipt generating unit 240 may determine whether the user is subject to electronic receipt issuance based on user identification information, and if the electronic receipt is to be issued, may generate an electronic receipt based on payment information, Payment information can be permanently deleted if it is not subject to e-receipt issuance. The user may register in advance for automatic issuance of the electronic receipt through the electronic receipt providing device 150, and the electronic receipt providing device 150 may store the information in association with the user. The e-receipt generating unit 240 may determine whether the user has previously registered for automatic issuance based on user identification information, and accordingly, it is possible to automatically process subsequent operations such as generation of an e-receipt or deletion of payment information. have.

In one embodiment, the e-receipt generated by the e-receipt generating unit 240 essentially includes payer information and payment history information as permanent receipt information, and optionally selects a service order number and a waiting number/time as permanent service information. and may optionally include a temporary password, a temporary coupon number, and a parking time as temporary service information. Here, the service order number may correspond to an order management number for managing an order received at a specific store, and may be independently allocated and initialized for order management for each store.

At this time, each of the permanent receipt information, the permanent service information, and the temporary service information may be displayed by matching with a plurality of division areas constituting the electronic receipt area. That is, in the e-receipt area, the areas in which the permanent receipt information, the permanent service information, and the temporary service information are displayed may be divided, respectively, and a matching operation with the division area may be performed before each information is displayed. Meanwhile, matching information between each piece of information and the division area may be included in the receipt template. The electronic receipt generator 240 may determine information to be displayed in each division area according to matching information included in the receipt template. To this end, various items displayed on the electronic receipt may be classified in advance into any one of permanent receipt information, permanent service information, and temporary service information.

In addition, at least one of the plurality of division areas may include a trigger area for executing an additional authentication process for confirming details displayed at a specific location. More specifically, the e-receipt may contain sensitive personal information, and protection measures may be added to the area in which the item containing such information is displayed so that the details can be confirmed only through additional authentication. That is, the trigger area is an area for protecting sensitive personal information, and may correspond to an area in which details are not output during a normal inquiry process, but are output only when authentication is performed through an additional authentication process. Information on the trigger area may be included in the receipt template, and the electronic receipt providing device 150 may generate an electronic receipt based on the receipt template. If the electronic receipt is implemented in the form of an image, the trigger area is blind. ) can be displayed.

The e-receipt management unit 250 stores the e-receipt in connection with the e-receipt associate, and selectively determines transmission to the payment approval server 130 in response to a request for information provision on the e-receipt, and associates the e-receipt with the user terminal ( 190) can be provided. Here, the e-receipt associate may correspond to an identification code for identifying the e-receipt, and may correspond to an authentication key for inquiring the e-receipt on the user terminal 190 .

More specifically, the user can check the e-receipt through the user terminal 190, and when the user logs in by executing a dedicated program or dedicated app installed on the user terminal 190, the e-receipt association from the user terminal 190 The electronic receipt inquiry request is transmitted to the electronic receipt providing device 150 together with the user, and the electronic receipt providing device 150 reads the electronic receipt stored in the database 170 based on the electronic receipt associate and provides it to the user terminal 190 can do. In this case, the e-receipt information read from the database 170 may correspond to an e-receipt object or an e-receipt image.

On the other hand, the payment approval server 130 may pre-register a request for providing information on the electronic receipt to the electronic receipt providing device 150, and the electronic receipt providing device 150 generates an electronic receipt related to the payment after payment. In one case, the electronic receipt data DATA may be transmitted in response to a request for information provision from the payment approval server 130 .

In one embodiment, the electronic receipt management unit 250 may process and transmit the electronic receipt in the form of an electronic receipt designated by the payment approval server 130 in response to the request of the payment approval server 130 (form). That is, the payment approval server 130 may register a request for providing information about the electronic receipt in the electronic receipt providing device 150 in advance, and at this time, whether to request the electronic receipt as it is or only specific information included in the electronic receipt It is possible to register together whether the request is limited or not. The electronic receipt management unit 250 may transmit an electronic receipt or electronic receipt data (DATA) to the payment approval server 130 according to a registered request when the electronic receipt generation is completed.

For example, when the payment approval server 130 is a card company server, an e-receipt form uniquely designed for each card company may be designated, and an e-receipt form uniquely designed for each affiliate store (business operator) may be designated. . The payment approval server 130 may transmit an information provision request together with information on the electronic receipt form in real time or may be registered in advance. On the other hand, the electronic receipt management unit 250 processes the electronic receipt into an electronic receipt form designated by the affiliated store (business side) when there is no information about the electronic receipt form in the request for information provision from the payment approval server 130 can do.

In one embodiment, the e-receipt management unit 250 may provide an e-receipt associate to the user terminal 190 according to any one of the providing methods including a push notification, a message, and an email through a dedicated app. . That is, the user may register a reception method in advance through the electronic receipt providing device 150 when issuing the electronic receipt, and the electronic receipt providing device 150 provides the electronic receipt to the user terminal 190 in a manner registered by the user. can provide On the other hand, the electronic receipt provided to the user terminal 190 may be provided in the form of push notifications, text messages, and emails through a dedicated app, but is not necessarily limited thereto, and the user terminal ( 190) may be transmitted.

In one embodiment, when the electronic receipt management unit 250 receives an electronic receipt inquiry request from the user terminal 190 according to a reception method related to the method of providing to the user terminal 190, it is stored in connection with the associated electronic receipt An electronic receipt may be provided to the user terminal 190 . For example, when the electronic receipt is delivered as a push notification of a dedicated app installed on the user terminal 190, when the user selects or confirms the push notification, a corresponding electronic receipt inquiry request is transmitted to the electronic receipt providing device 150 can be

In addition, if the e-receipt is delivered in the form of a text message or e-mail, the user can check the text message or e-mail on the user terminal 190 and select a link included in the text message or e-mail to view the e-receipt corresponding thereto The request may be transmitted to the electronic receipt providing device 150 . The electronic receipt providing device 150 may design and provide a method for receiving a request from the user terminal 190 according to the electronic receipt providing method, and when receiving a user response as feedback therefor, an operation related to the electronic receipt inquiry can be processed.

The control unit 260 controls the overall operation of the electronic receipt providing device 150 , the payment information receiving unit 210 , the payment matching information generating unit 220 , the user identification information receiving unit 230 , the electronic receipt generating unit 240 ) And it is possible to manage the control flow or data flow between the electronic receipt management unit (250).

3 is a flowchart illustrating a process of providing an electronic receipt using payment matching information performed by the electronic receipt providing device of FIG. 1 .

3, when the payment between the payment terminal 110 and the payment approval server 130 is approved through the payment information receiving unit 210, the electronic receipt providing device 150 receives from the payment terminal 110 at least the user's Payment information including a payment amount may be received (step S310). The electronic receipt providing device 150 uses the approval information self-issued by the payment approval server 130 among payment information through the payment matching information generating unit 220 and detailed information determined at the time of approval to issue an electronic receipt. User-specific payment matching information may be generated (step S330).

In addition, the electronic receipt providing device 150 may receive user identification information by querying the payment approval server 130 for payment matching information through the user identification information receiving unit 230 (step S350). The electronic receipt providing device 150 may generate an electronic receipt based on payment information and user identification information through the electronic receipt generating unit 240 (step S370). The electronic receipt providing device 150 connects and stores the electronic receipt with an electronic receipt related party through the electronic receipt management unit 250, and selectively determines transmission to the payment approval server 130 according to a request for providing information about the electronic receipt And, it is possible to provide the electronic receipt associate to the user terminal 190 (step S390).

4 is a view for explaining a process of generating and providing an electronic receipt by using payment matching information in the electronic receipt providing device. 5 is a flowchart illustrating an embodiment of an electronic receipt providing process performed by the electronic receipt providing apparatus of FIG. 1 .

4 and 5 , when a user purchases goods or services, the user may request payment by presenting a payment method for payment of the purchase amount to the seller, and in the process, he/she communicates his/her intention to agree to the issuance of an electronic receipt may be In this case, the user may present a mobile payment through the user terminal 190 as a payment method.

When the payment terminal 110 receives a payment request from the user terminal 190 , the payment approval server 130 may request payment approval including the user's payment amount and payment method related information, and the payment approval server 130 . may perform payment approval processing. The payment approval server 130 may use the user's payment means to approve the payment for the payment amount and then transmit an approval number for identifying the payment approval details to the payment terminal 110 .

On the other hand, the payment terminal 110 may determine whether the user agrees to issue the electronic receipt after payment is completed, and if there is no issuance consent, it may output a paper receipt and provide it to the user. The payment terminal 110 may perform an electronic receipt issuance request processing when there is a user's consent to issue an electronic receipt. That is, the payment terminal 110 transmits payment-related information including the user's payment amount or payment place, time, and approval number issued by the payment approval server 130 to the electronic receipt providing device 150 to the electronic receipt You can process the issuance request.

When payment related information is received from the payment terminal 110 , the electronic receipt providing device 150 may generate payment matching information for user identification using the payment related information, and transmit the payment matching information to the payment approval server 130 . User verification for electronic receipt issuance can be performed. In FIG. 4 , the electronic receipt providing device 150 may perform a data verification operation on payment information. By checking whether the payment information received from the payment terminal 110 is normal data, it is possible to prevent in advance that an invalid e-receipt is generated, such as when the payment is not completed or an error occurs in the delivery process.

When payment matching information is received from the electronic receipt providing device 150 , the payment approval server 130 may check user identification information corresponding to the payment matching information and transmit the user identification information to the electronic receipt providing device 150 . Here, the user identification information may include the phone number of the user to whom the electronic receipt is issued.

When the user identification information is received, the electronic receipt providing device 150 may generate an electronic receipt based on payment information and user identification information included in the payment related information. Here, the electronic receipt may be generated in the same form as the paper receipt including the user's payment details. The electronic receipt providing device 150 may transmit the generated electronic receipt to the user terminal 190 through relay of the payment approval server 130 or directly to the user terminal 190 .

The electronic receipt providing device 150 may transmit the electronic receipt or electronic receipt data (DATA) to the payment approval server 130 when there is a request for providing information about the electronic receipt from the payment approval server 130, and there is no request. In this case, after the electronic receipt is connected to the electronic receipt associate and stored in the database 170 , the electronic receipt associate may be transferred to the user terminal 190 . The electronic receipt providing device 150 may issue an electronic receipt through a chatting app, e-mail, messenger, or the like, even if a separate electronic receipt dedicated app is not installed in the user terminal 190 .

In addition, the electronic receipt providing device 150 may provide an electronic receipt to the user terminal 190 through an application such as Toss or Bill Letter. The electronic receipt providing device 150 may provide the electronic receipt according to a provision method specified by the user.

On the other hand, in the user terminal 190, if you select an e-receipt associate delivered through a push notification of a chatting app, e-mail, messenger, etc., it is connected to the e-receipt associate and stored e-receipts can be viewed, downloaded and stored. have.

6 is an exemplary view for explaining the form of an electronic receipt provided to the user terminal in FIG.

Referring to FIG. 6 , the user terminal 190 may receive a text message including the electronic receipt associate 630 from the electronic receipt providing device 150 and display the received text message on the screen 610 . have. On the screen 610 of the user terminal 190, as shown in Figure 6 (a), a guide phrase 620 for the electronic receipt may be output, and the guide phrase 620 is associated with an electronic receipt connected to the electronic receipt. A ruler 630 may be displayed together. For example, in the figure (a) of FIG. 6, the guide text 620 may include the user's payment method, amount, payment date and time, merchant name, etc. can

Here, the e-receipt associate may correspond to a hyperlink that is address information indicating a storage location of the database 170 to access the e-receipt.

If the user selects the e-receipt associate 630, the user terminal 190 may receive the e-receipt from the e-receipt providing device 150, and the payment details are displayed as shown in Fig. 6 (b). The included electronic receipt 640 may be displayed. In the electronic receipt 640 displayed on the screen 610 of the user terminal 190, the representative name of the affiliated store, contact information, business number, address, payment date and time, product name, unit price, quantity, amount, taxable goods value, additional amount, total Payment details such as amount and refund amount may be included.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art can variously modify and change the present invention within the scope without departing from the spirit and scope of the present invention as set forth in the claims below. You will understand that it can be done.

100: Electronic receipt providing system
110: payment terminal 130: payment approval server
150: electronic receipt providing device 170: database
190: user terminal
210: payment information receiving unit 220: payment matching information generating unit
230: user identification information receiving unit 240: electronic receipt generation unit
250: electronic receipt management unit 260: control unit
610: screen 620: guidance text
630: e-receipt associate 640: e-receipt

Claims (8)

a payment information receiving unit configured to receive payment information including at least a user's payment amount from the payment terminal when payment between the payment terminal and the payment approval server is approved;
a payment matching information generating unit for generating user-specific payment matching information for issuing an electronic receipt by using the approval information issued by the payment approval server and detailed information determined at the time of approval among the payment information;
a user identification information receiving unit for receiving user identification information by querying the payment matching information to the payment approval server;
an electronic receipt generating unit for generating an electronic receipt based on the payment information and the user identification information; and
An electronic receipt management unit that stores the electronic receipt in connection with an electronic receipt related party, selectively determines transmission to the payment approval server in response to a request for providing information on the electronic receipt, and provides the electronic receipt related person to a user terminal Electronic receipt providing device using payment matching information comprising a.
According to claim 1,
The e-receipt essentially includes payer information and payment history information as permanent receipt information, optionally includes a service order number and waiting number/time as permanent service information, and a temporary password, a temporary coupon number and Optionally including parking time,
Each of the permanent receipt information, the permanent service information and the temporary service information is displayed by matching with a plurality of division areas constituting the electronic receipt area,
The electronic receipt providing device using payment matching information, characterized in that at least one of the plurality of division areas includes a trigger area for executing an additional authentication process for confirming details displayed at a specific location.
According to claim 1,
The detailed information includes static information that is objectively determined in relation to a payment place and dynamic association information that is self-generated by the payment terminal in association with the approval time,
The payment matching information generating unit generates the payment matching information by mutually combining the approval information with any one of a business number and an affiliated store identification number as the static related information and a payment date and time of payment as the dynamic related information Electronic receipt providing device using payment matching information characterized in that.
According to claim 1, wherein the electronic receipt generating unit
Determining whether the user is subject to electronic receipt issuance based on the user identification information,
The electronic receipt providing device using payment matching information, characterized in that the electronic receipt is generated when the electronic receipt is to be issued, and the payment information is deleted when the electronic receipt is not issued.
According to claim 1, wherein the electronic receipt management unit
An electronic receipt providing device using payment matching information, characterized in that the electronic receipt is processed in the form of an electronic receipt designated by the payment approval server according to the request of the payment approval server and transmitted.
According to claim 1, wherein the electronic receipt management unit
An electronic receipt providing device using payment matching information, characterized in that the electronic receipt associate is provided to the user terminal according to any one of providing methods including a push notification, a message, and an email through a dedicated app.
According to claim 6, wherein the electronic receipt management unit
Electronic receipt using payment matching information, characterized in that when an electronic receipt inquiry request is received from the user terminal according to the reception method related to the provision method, the electronic receipt stored in connection with the electronic receipt associate is provided to the user terminal Receipt providing device.
In the method performed by the electronic receipt providing device,
receiving payment information including at least a user's payment amount from the payment terminal when the payment between the payment terminal and the payment approval server is approved;
generating user-specific payment matching information for electronic receipt issuance using approval information issued by the payment approval server and detailed information determined at the time of approval among the payment information;
receiving user identification information by querying the payment matching information to the payment approval server;
generating an electronic receipt based on the payment information and the user identification information; and
Storing the electronic receipt by linking it with an electronic receipt associate, selectively determining transmission to the payment approval server according to a request for providing information on the electronic receipt, and providing the electronic receipt associated with a user terminal A method of providing electronic receipts using payment matching information.

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