WO2011042615A1 - Procédé et système de gestion de facturation - Google Patents
Procédé et système de gestion de facturation Download PDFInfo
- Publication number
- WO2011042615A1 WO2011042615A1 PCT/FR2009/001184 FR2009001184W WO2011042615A1 WO 2011042615 A1 WO2011042615 A1 WO 2011042615A1 FR 2009001184 W FR2009001184 W FR 2009001184W WO 2011042615 A1 WO2011042615 A1 WO 2011042615A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- central server
- data
- transaction
- terminal
- identification
- Prior art date
Links
Classifications
-
- 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
- G06Q20/14—Payment architectures specially adapted for billing 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
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
Definitions
- the invention relates to a method and a billing management system in a communication network.
- the present invention relates to the field of electronic transaction mechanisms for archiving information relating to purchases of services or goods.
- the customer is invited after selecting the good or the service he wants to acquire, to perform the payment of this purchase by providing the bank details of his credit card, so that the transaction is carried out, or by check or in cash.
- the merchant issues him an invoice which is an accounting document by which the merchant establishes a claim, resulting from the supply of the good and / or the provision of service, vis-à-vis the customer, beneficiary of this good and / or this service.
- the present invention aims to solve the problem of technical difficulties encountered to generate automatically and in real time an invoice in electronic format, during a transaction, taking account of accounting requirements.
- the present invention allows to centralize all the invoices issued by different merchants, in different countries, while ensuring confidentiality by limiting the risk of loss of information and the completeness of the information necessary to issuing a standardized invoice in an optimized way in time and cost.
- one aspect of the invention relates to a billing management method for an electronic transaction relating to the purchase of goods and / or service by a carrier, said method comprises the following steps: collecting at least one carrier identification element included in a data carrier by means of reading a terminal;
- the data recovery step comprises a sub-step of selecting constituent elements of said application interface as a function of at least one criterion defined by said identification element, said selection of elements making it possible to obtain the set ordered data items corresponding to the characteristics of said transaction.
- the process includes a preliminary registration step the carrier in which the identification data associated with the carrier identification element is recorded in the database of the central server; o The merchant for whom an individual identification number is created and stored in the database of the central server.
- the identification data relate to the database of the central server, to the surname, first name, name of the employer company of the bearer, the physical and electronic address of the bearer and the company;
- the invoice in electronic format is archived in the database of the central server;
- the method includes a step of transmitting the invoice in electronic format to a processing server of the company;
- the ordered set of retrieved data elements includes information regarding:
- the transaction the date and the number of the transaction, the quantity and name of the goods and / or services sold, the financial elements: the amount excluding taxes and / or taxes of the goods and or services sold, the applicable tax, the discounts potential,
- the method comprises a data refund management step relating to said tax in which: o the carrier's employer company transmits to the central server a request for recovery of said charge through the communication network,
- the central server determines whether the bill in electronic format is eligible for reimbursement of said tax, and o the central server sends, via the communication network, at least one request for reimbursement of said tax to dedicated redemption servers of this tax, the said request being able to consolidate several invoices on behalf of the same company
- the invention also relates to a billing management system for an electronic transaction relating to the purchase of goods and / or services by a carrier, comprising a terminal connected to a central server from a communication network, and wherein the terminal comprises reading means for extracting at least one identification element from a data medium and for archiving this identification element and an ordered set of relative data elements.
- the transaction in memory means of the terminal before transmitting them to the central server processing means so as to generate an invoice in electronic format relating to said transaction and to send, if necessary, a confirmation message of the completion of payment validating the completion of said transaction.
- the terminal is an electronic payment terminal.
- the data carrier is an identification card with integrated memory.
- FIG. 1 a schematic view of the structure of the billing management system
- FIG. 1 a diagram defining the steps of a billing data management method implemented by the system of Figure 1.
- FIG. 1 shows a system comprising:
- This data carrier 1 may be non-exhaustive:
- an integrated memory identification card such as a payment card associated with one of the following: a bank account and / or a credit account of the user, a bank card and / or a wallet electronic and / or all types of media or means of electronic payment;
- RFID radio frequency identification chip
- NFC Near Field Communication
- This data carrier must include memory means for storing an identifier.
- the method when integrated with a payment card, allows the wearer to use the same dual card for both functions, automated billing and online, and payment.
- the method may be associated with specific loyalty programs.
- this data medium may be a sheet of paper with the identifier of the carrier.
- the terminal 2 relates to an equipment comprising reading means compatible with the data medium 1. In the case of the identification card, this equipment corresponds to an electronic payment terminal 2.
- this terminal 2 relates to all equipment comprising:
- volatile and / or nonvolatile memory and / or mass input means, such as a keyboard and / or mouse and / or touch screen or voice control means, means for display; - means of communication, and
- the communication means of this terminal 2 relate for example to the following technologies and / or standards:
- GPRS General Packet Radio Service
- GSM Global System for Mobile communications
- UMTS UMTS
- HSDPA IP Multimedia Subsystem
- the reading means are adapted to exchange data with the data medium.
- This terminal 2 comprises communication means which are compatible with those of the identification card and the central server 3.
- the central server 3 comprises a database comprising data relating to identification elements. users and identification data respectively associated with each of these identification elements.
- the central server 3 comprises a database containing data relating to merchants.
- This identification data relates in a non-exhaustive manner for a merchant:
- the central server 3 includes a web server capable of generating web pages to allow the wearer, as well as the merchant power register with the service proposed by the central server 3 and thus create an account with this central server 3, in particular to have access to archived electronic invoices concerning them.
- This central server 3 also includes a mail server for managing email and also a mail server (SMS, MMS, WAP).
- This central server 3 comprises communication means enabling it to exchange data with:
- the communication network 5 used relates to wiring means and / or electromagnetic transmission means.
- these cabling means correspond, for example, to optical fiber or copper-plated cables
- the electromagnetic transmission means relate, for example, to radio links based on mobile telephone standards such as GSM (acronym Global System for Mobile Communications), UMTS (acronym for Universal Mobile Telecommunications System), EDGE (acronym for Enhanced Data Rates for GSM Evolution) or HSDPA (acronym for High-Speed Downlink Packet Access).
- GSM Global System for Mobile Communications
- UMTS acronym for Universal Mobile Telecommunications System
- EDGE acronym for Enhanced Data Rates for GSM Evolution
- HSDPA acronym for High-Speed Downlink Packet Access
- WIFI defined by the IEEE 802.11 standards
- Bluetooth defined by the IEEE 802.15 standards
- WIMAX acronym for Worldwide Interoperability for Microwave Access
- the technical platform of the bearer company in the case where the bearer is a natural person includes a set of server and terminals allowing both to connect to the central server 3 for example to register the company, or carrier, the service provided by the central server 3, or to view electronic invoices generated for transactions made by different holders having a different identification element. In the latter case these porters are employed in the same company.
- the refund server 6 of the tax is a server located in the technical platform of a tax administration of a state and is connected to the central server 3 in particular to transmit requests containing data relating to information concerning the reimbursement of certain taxes for given invoices.
- taxes correspond, for example, in France to VAT (Value Added Tax) or to equivalent taxes when the transaction is carried out outside French territory.
- Figure 2 illustrates the electronic transaction process for the purchase of goods and / or services by the carrier of a data carrier 1.
- This carrier may be a legal or physical person.
- the carrier connects from a computer 21 to the web server of the central server 3 so as to register for the service provided by the central server 3 .
- the holder is required to complete, by entering his identification data, an electronic form generated by his web browser.
- These identification data are stored in the database of the central server 3.
- the merchant must also register and have access to electronic invoices archived at the central server.
- the identification element is generated and is subsequently archived in the database and transmitted to the memory means of the data medium 1.
- This identification element corresponds for example to a succession of characters encoded according to a predefined nomenclature thus making it possible to determine from the identification element, and in a non-exhaustive manner: the country, or the language of the carrier , the activation or not of the process in national or international, the activation or not of a request for allocation of the expenditure to a project code, the activation or not of a search for information in real time from the central server.
- This data carrier 1 is either:
- the support is sent by mail to the attention of the wearer at his home address or that of the company where he is employed.
- the electronic payment terminal 2 downloads a software application that is the subject of a particular treatment by the processing means of the terminal 2, the memory means and the processor, in order to generate on the display means of this terminal 2 an interface with which the merchant can interact from the input means of this terminal 2.
- This software application can also be already installed on the merchant terminal by the manufacturer of the terminal, or downloaded and installed after activation by the merchant account at the central server 3.
- This activation is effected by entering its identification element on the terminal or inserting its data medium into the reading means of the terminal, which terminal then connects to the central server 3 to transmit this identification element by to be identified and thus perform this download.
- the carrier connects, the data carrier 1, in this case its magnetic stripe card, the electronic payment terminal.
- the reading means of the electronic terminal 2 extract the identification element that is to say the identification element in the memory means of the magnetic stripe card and the archive in the memory means of the terminal 2.
- the software application is a digital data file which is archived in the database of the central server and is suitable when it is executed by the terminal processing means, to present information on the display means terminal in many different languages.
- the content of this interface relates to elements such as for example questions included in a form that the merchant is invited to complete by entering all the data elements corresponding to the characteristics of said transaction.
- elements relate, for example and in a non-exhaustive manner to information relating to the merchant, bearer and financial elements. This information is therefore:
- the constituent elements of the interface were generated from a selection from a plurality of elements archived in the memory means of the terminal, from the software application. This selection is made from the terminal processing means on the basis of at least one criterion relating to the identification element, and more particularly to the coding of this identification element.
- the data are then archived in the memory means of the electronic payment terminal 2.
- the data stored in the memory means of the electronic payment terminal 2, that is to say the identification element and the ordered set of recovered data elements are transmitted to the central server 3, when a step 12.
- the data elements are said ordered because they are transmitted in the order in which they were entered. This has the effect of improving the transmission time, processing and archiving thereafter at the central server 3.
- these elements are not ordered.
- the processing means of the central server 3 subsequently realize the generation of an invoice in electronic format relating to this transaction from identification data associated with the identification element in the database of this database. central server 3 and the ordered set of recovered data elements.
- This invoice is issued through the consolidation of the data relating to the transaction, those related to the identity of the merchant and the cardholder.
- the collection of additional data from the interface presenting a form in the form of answers to simple questions defined according to the context is necessary. This collection is done with exception at the time of the act of payment, both to avoid an additional step to the parties concerned and to benefit from the technology widely deployed for payment: portable terminals, central funds ...
- the challenge of the solution is to reduce to a minimum the time required to enter data and obtain all the essential information but only these. This is made possible by the invention which implements technical means making it possible to adapt to several types of collection terminals:
- TPE Electronic Payment Terminals
- the central server 3 transmits a confirmation message of good reception of the data to the terminal so as to validate the completion of said transaction, in a step 13.
- the generated invoice is archived in the database the central server 3, to be subsequently transmitted to the server 21 of the technical platform of the company 7, a tax administration or the server of the merchant, automatically or at the request of one of these. This transmission can in particular be carried out from the email server included in the central server 3.
- the central server 3 subsequently determines the location of the transaction from elements included in the list of the ordered set of data elements retrieved, such as the address and the country in which is located the merchant. From the determination of the location of the transaction, the processing means are able according to the identification of tax criteria in force in the specified location, to apply calculation operations to the amount of the invoice. These calculation operations make it possible to determine the amount of the refunds, relating to the tax taken into account to obtain the amount of the invoice, and which refunds are likely to be obtained from the tax authorities of the country of the place of this transaction.
- the central server 3 includes in its database instructions for performing tax calculations specific to each country and applicable according to criteria to which these operations are associated. These instructions are used during calculation operations.
- the central server 3 sends a refund request request to the refund server 6 dedicated for this purpose, at a step 22.
- This request includes the information necessary for this administration. to make the repayment such as: - for the company concerned: name, address, country, RCS (Trade and Companies Register), legal form, share capital, SIREN (Business Directory Identification System) and number individual identification, bank details, and
- RCS is here a generic name for any equivalent system.
- the RCS is therefore a record that centralizes a certain amount of legal information about companies.
- a form in paper format meeting the requirements of the tax administration is generated and sent by mail to this administration.
- this refund is then made according to the payment methods in effect on the bank account of the company.
- This refund procedure is performed automatically by the central server 3 as soon as the transaction is completed. But it can also be done at the request of the company, if the latter is registered with the central server 3 to receive this service.
- the server of reimbursement is likely to transmit to the central server 3 a request specifying the proper consideration of the refund request and confirmation of this refund at a step 23.
- the registration procedure to benefit from the service provided by the central server 3 allows the bearer to provide during steps 18 and 19, by connecting to the web server of the central server 3, to prepare manually, verify and edit digital invoices in accordance with the different national legislations concerned. It also allows a merchant registered to this service to consult and import the invoices established on his behalf and to access additional customer analysis services.
- the merchant as the bearer or the carrier's company have at the central server an account in which they find archived all the invoices in electronic format concerning them or concerning their activity.
- the bearer or bearer company will also find information on repayments already made or in progress with stages of progress.
- the invention thus proposes a simple and economical solution to ensure rapid deployment based in particular on payment terminals and networks of existing data collection to make them assume a new function and not planned at their time. set up.
- the invention allows, for example, a company to recover the VAT due for business travel expenses incurred in Europe, Japan, Canada, South Korea and other countries. which authorize this refund.
- the merchant is a restaurant in the United Kingdom.
- the bearer presents his identifier under the form of a card (which has no payment function).
- the passage of the card in the electronic payment terminal makes it possible to activate the embedded software which recognizes, thanks to the information coded in the identifier, that the employer company of the carrier is French , that the card is activated for international use and that it does not require a question regarding the allocation of the expense to a project code.
- the terminal asks a first question, in English: "number of guests? ".
- the terminal proposes a second question determined according to the combination of the setting of the terminal (a restaurant in the United Kingdom) and the identifier of the bearer.
- a specific question is asked in French, language of the porter: "number of guests outside the company? The porter answers two. Therefore the payment terminal transmits to the central server an ordered set of data that allows the central server to establish an original invoice on behalf of the restaurant of the United Kingdom, on behalf of the employer company bearer with the necessary legal information: date , invoice number, wording: "five complete meals” with indication of the price, the amount and VAT rate and the price including tax.
- the ordered set of data also makes it possible to establish a VAT refund claim on behalf of the bearer's employer company, and to claim a refund of three-fifths of the VAT amount indicated on the invoice, VAT on guests exteriors are not recoverable in the United Kingdom.
- the restaurant is this time located in France
- the carrier is German and his identifier indicates that the terminal must request a project assignment code.
- the terminal After entering the total amount TTC and that was answered to the question on the number of guests, the terminal asks the amount TTC of the consumption of wine and alcohol (imposed at the normal rate). This question is asked in French, then the terminal proposes, in German, to the bearer, to assign a project code to the expense.
- the ordered set of data makes it possible to establish an invoice for the account of the French restaurant on behalf of the German employer company which details:
- This invoice which is available to both the merchant and to the holder and his employer, is attached to the holder and his employer for information relating to the assignment of a project code that will allow the employer charge the said expense to the client concerned.
- the restaurant is in Belgium and although the card carrier indicates that it is not necessary to propose the assignment of a project code when entering information, the terminal the systematically, this information being necessary to complete the Belgian recovery form.
- the merchant is an independent hotel in France that offers mainly accommodation and breakfast, bar and catering services.
- the carrier presents as identifier a twinned card which adjoins the payment function to the method described by this patent.
- the terminal After indicating the amount inclusive of the total bill, the terminal recognizes that it is a twin card, foreign, and activated for international use.
- the terminal requests the TTC amount of accommodation benefits, as well as the number of nights, then the total expenses inclusive of bar, catering and breakfast.
- the terminal asks if part or all of the accommodation concerns a third party to the carrier's employer company (only refundable accommodation expenses under the French VAT). Finally the terminal asks for confirmation of the total amount TTC and proceeds to the payment of the transaction.
- an element of the identifier of the carrier makes it possible to force, if possible, the terminal to make a request to the central server, in real time, for example, to download the lists of available project codes. .
- the trader is a service station in France and the questions asked relate to the number of doors of the vehicle and the type of fuel used.
- the invoice number is generated by the payment terminal.
- another implementation allows the central server to generate this number.
- the invention is not limited to the embodiments described and illustrated. It is furthermore not limited to these exemplary embodiments and the variants described.
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Economics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Description
Claims
Priority Applications (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US13/500,137 US20120253999A1 (en) | 2009-10-05 | 2009-10-05 | Invoicing management method and system |
CA2776731A CA2776731A1 (fr) | 2009-10-05 | 2009-10-05 | Procede et systeme de gestion de facturation |
EP09759746A EP2486526A1 (fr) | 2009-10-05 | 2009-10-05 | Procédé et système de gestion de facturation |
BR112012007939A BR112012007939A2 (pt) | 2009-10-05 | 2009-10-05 | metodo e sistema para gerenciamento de faturamento |
AU2009353804A AU2009353804A1 (en) | 2009-10-05 | 2009-10-05 | Invoicing management method and system |
PCT/FR2009/001184 WO2011042615A1 (fr) | 2009-10-05 | 2009-10-05 | Procédé et système de gestion de facturation |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/FR2009/001184 WO2011042615A1 (fr) | 2009-10-05 | 2009-10-05 | Procédé et système de gestion de facturation |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2011042615A1 true WO2011042615A1 (fr) | 2011-04-14 |
Family
ID=41664693
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/FR2009/001184 WO2011042615A1 (fr) | 2009-10-05 | 2009-10-05 | Procédé et système de gestion de facturation |
Country Status (6)
Country | Link |
---|---|
US (1) | US20120253999A1 (fr) |
EP (1) | EP2486526A1 (fr) |
AU (1) | AU2009353804A1 (fr) |
BR (1) | BR112012007939A2 (fr) |
CA (1) | CA2776731A1 (fr) |
WO (1) | WO2011042615A1 (fr) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11687519B2 (en) | 2021-08-11 | 2023-06-27 | T-Mobile Usa, Inc. | Ensuring availability and integrity of a database across geographical regions |
Families Citing this family (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20110016043A1 (en) * | 2009-07-20 | 2011-01-20 | Barbara Dornseif | Account transaction value added tax reimbursement |
US20170193469A1 (en) * | 2015-12-31 | 2017-07-06 | Mastercard International Incorporated | Method and system for providing e-invoices |
CN109872200A (zh) * | 2017-12-05 | 2019-06-11 | 航天信息股份有限公司 | 电子发票开具方法与系统 |
CN112016340B (zh) * | 2020-09-08 | 2024-01-26 | 北京速票通科技有限公司 | 一种发票抬头信息自动识别系统及方法 |
CN113869802B (zh) * | 2021-12-01 | 2022-03-11 | 神州数码信息系统有限公司 | 一种基于进销项比对的生产企业发票虚开风险评估方法 |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1999066460A2 (fr) * | 1998-06-16 | 1999-12-23 | Walker Digital, Llc | Procede et dispositif servant a traiter un debit impute a un compte financier |
EP1808806A1 (fr) * | 2005-12-23 | 2007-07-18 | Axalto SA | Partenaire fiscal virtuel |
US20080306828A1 (en) * | 2007-05-28 | 2008-12-11 | Trade-Van Information Services Co. | Method for processing transaction information |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5903876A (en) * | 1997-11-21 | 1999-05-11 | Va-T-En, L.L.C., A Limited | Method of refunding value added tax |
US5978780A (en) * | 1997-11-21 | 1999-11-02 | Craig Michael Watson | Integrated bill consolidation, payment aggregation, and settlement system |
SE0300692L (sv) * | 2003-03-12 | 2004-09-13 | Global Refund Holdings Ab | System för hantering av återbäring av mervärdesskatt |
GB2456346A (en) * | 2008-01-14 | 2009-07-15 | Tim Kalos Waterlow | Obtaining customer feedback at point of sale |
EP2329467A1 (fr) * | 2008-07-29 | 2011-06-08 | Iker Arostegui Gallastegui | Système et procédé d'enregistrement d'une transaction par carte de crédit |
-
2009
- 2009-10-05 US US13/500,137 patent/US20120253999A1/en not_active Abandoned
- 2009-10-05 AU AU2009353804A patent/AU2009353804A1/en not_active Abandoned
- 2009-10-05 EP EP09759746A patent/EP2486526A1/fr not_active Withdrawn
- 2009-10-05 CA CA2776731A patent/CA2776731A1/fr not_active Abandoned
- 2009-10-05 WO PCT/FR2009/001184 patent/WO2011042615A1/fr active Application Filing
- 2009-10-05 BR BR112012007939A patent/BR112012007939A2/pt not_active IP Right Cessation
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1999066460A2 (fr) * | 1998-06-16 | 1999-12-23 | Walker Digital, Llc | Procede et dispositif servant a traiter un debit impute a un compte financier |
EP1808806A1 (fr) * | 2005-12-23 | 2007-07-18 | Axalto SA | Partenaire fiscal virtuel |
US20080306828A1 (en) * | 2007-05-28 | 2008-12-11 | Trade-Van Information Services Co. | Method for processing transaction information |
Non-Patent Citations (1)
Title |
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See also references of EP2486526A1 * |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11687519B2 (en) | 2021-08-11 | 2023-06-27 | T-Mobile Usa, Inc. | Ensuring availability and integrity of a database across geographical regions |
Also Published As
Publication number | Publication date |
---|---|
EP2486526A1 (fr) | 2012-08-15 |
BR112012007939A2 (pt) | 2019-09-24 |
US20120253999A1 (en) | 2012-10-04 |
AU2009353804A1 (en) | 2012-04-19 |
CA2776731A1 (fr) | 2011-04-14 |
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