WO2012064026A2 - Procédé permettant de délivrer un reçu électronique - Google Patents

Procédé permettant de délivrer un reçu électronique Download PDF

Info

Publication number
WO2012064026A2
WO2012064026A2 PCT/KR2011/007837 KR2011007837W WO2012064026A2 WO 2012064026 A2 WO2012064026 A2 WO 2012064026A2 KR 2011007837 W KR2011007837 W KR 2011007837W WO 2012064026 A2 WO2012064026 A2 WO 2012064026A2
Authority
WO
WIPO (PCT)
Prior art keywords
payment
electronic receipt
server
information
customer
Prior art date
Application number
PCT/KR2011/007837
Other languages
English (en)
Korean (ko)
Other versions
WO2012064026A3 (fr
Inventor
김현수
한대희
김동훈
Original Assignee
주식회사 파이스트엠파이어그룹코리아
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020110043113A external-priority patent/KR20120049789A/ko
Application filed by 주식회사 파이스트엠파이어그룹코리아 filed Critical 주식회사 파이스트엠파이어그룹코리아
Publication of WO2012064026A2 publication Critical patent/WO2012064026A2/fr
Publication of WO2012064026A3 publication Critical patent/WO2012064026A3/fr

Links

Images

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
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts

Definitions

  • the present invention relates to a method for issuing an electronic receipt, and more particularly, a paper receipt is used by transmitting a key value corresponding to an electronic receipt or electronic receipt information including payment details to a mobile terminal of a customer after receiving an item purchase or a service. It is about a method of issuing an electronic receipt.
  • a purchaser makes a payment with cash, a credit card, or a terminal (for example, a mobile phone or a tablet PC) using a NFC (Near Field Communication) after purchasing an item, the purchase date, the purchased item, and the purchase
  • NFC Near Field Communication
  • the retailer shall print out a paper receipt showing the payment details such as the number and the purchase price, and the buyer should present the paper receipt in order to receive it, check whether the payment is appropriate, store it, and refund it for future purchases.
  • a paper receipt showing the payment details such as the date of service, service items, and amount is printed at the service provider, and the service provider In order to receive this information, it is necessary to present a paper receipt in order to confirm that the payment is appropriate and to keep it and to refund the service provided in the future.
  • the purchaser or the service provider feels inconvenient to arrange and store the paper receipt for a certain period of time after receiving all purchases or services.
  • Buyers or service providers of paper receive paper receipts and immediately dispose of them as trash.
  • the present invention has been made in order to solve the above problems, and after receiving the purchase or service provided by the customer (hereinafter referred to as the buyer or service provider) mobile terminal corresponding to the electronic receipt or electronic receipt information including the payment history
  • the buyer or service provider mobile terminal corresponding to the electronic receipt or electronic receipt information including the payment history
  • the purpose of the receipt output time is to provide an electronic receipt issuance method that can be used for customer service.
  • another object provided by the present invention is to transmit the key value corresponding to the electronic receipt or electronic receipt information in place of the paper receipt and electronic that can improve the security by two-way communication to check the electronic receipt information by using this It is to provide a method of issuing a receipt.
  • another object of the present invention provides a carbon point to the customer every time issuing an electronic receipt instead of a paper receipt, and calculates a carbon emission reduction amount to the affiliated store, the cumulative benefit is more than a predetermined point or reduction amount It is to provide an electronic receipt issuance method that encourages issuance of electronic receipts to both merchants and customers by inducing interest.
  • the ultimate object of the present invention is to implement eco-friendly activities that can practically implement green growth, which is strongly pursued at both the global and national levels, by both buyers and merchants.
  • Providers can save carbon emissions generated through the suppression of paper receipts as carbon points, allowing them to use accumulated carbon points as a specific benefit (e.g., cash for Internet purchases), and merchants to reduce paper receipts.
  • the cumulative carbon emissions can be used through future carbon emission exchanges or through portal services to provide an environment for both buyers, service providers, and merchants to participate in green growth policies actively and realistically implemented at the national level. I can.
  • e-receipts In addition to e-receipt information, by providing relevant advertisements and various discount coupons to help increase merchant sales, the use of e-receipts can be actively introduced to merchants.
  • Electronic receipt issuance method for achieving the above object, when the customer purchases the goods through the merchant or received the service, the merchant terminal transmits the payment history information to the payment server and payment approval Requesting to perform a payment, and when payment of the affiliated terminal is completed in the payment server, transmitting payment history information to an operation server, and generating and storing an electronic receipt based on the payment history information at the operation server. And transmitting the electronic receipt from the operation server to the customer mobile terminal and receiving the information from the customer mobile terminal to confirm the electronic receipt information.
  • the electronic receipt issuing method when a customer purchases an item or receives a service through an affiliated store, the merchant terminal transmits payment history information to a payment server and requests payment approval to make a payment.
  • the step of transmitting the payment details information to the operation server when the payment of the affiliated terminal is completed in the payment server generating and storing an electronic receipt based on the payment history information at the operation server; Generating and storing a key value corresponding to the electronic receipt information, transmitting the text message to the customer mobile terminal by including the key value in the text message, and receiving the text message from the customer mobile terminal and receiving the text message. It comprises a step of confirming the electronic receipt information with the key value contained in.
  • the electronic receipt issuing method when a customer purchases goods or receives a service through an affiliated store, the merchant terminal transmits payment details information to a payment server and requests payment approval to make a payment.
  • the step of transmitting the payment details information to the operation server when the payment of the affiliated terminal is completed in the payment server generating and storing an electronic receipt based on the payment history information at the operation server; Generating and storing a key value corresponding to the electronic receipt information in a combination of letters and numbers, transmitting the key value as push data to the customer mobile terminal in the operation server, and push data in the customer mobile terminal.
  • receiving the electronic receipt information as a key value.
  • the electronic receipt issuing method when a customer purchases goods or receives a service through an affiliated store, the merchant terminal transmits payment details information to a payment server and requests payment approval to make a payment. Performing the step of requesting the authentication server for the issuance of the electronic receipt when the payment of the merchant terminal is completed in the payment server, performing the authentication in the authentication server, and generating an individual authentication number for each payment case. And transmitting the authentication number from the authentication server to the payment server, transmitting the electronic receipt issuance guide data including the authentication number to the corresponding mobile terminal, and issuing the electronic receipt from the corresponding mobile terminal.
  • the customer after receiving the purchase or service of the goods, the customer does not use the paper receipt by receiving the key value corresponding to the electronic receipt or electronic receipt information including payment details to the mobile terminal. It is convenient because there is no need to organize / store receipts, and merchants do not need to print out paper receipts, thereby reducing the amount of carbon emissions that cause paper waste and environmental pollution, and reducing the time waste required to print paper receipts.
  • a carbon point is calculated for the customer, and a carbon emission reduction amount is calculated for the affiliated store, and when the cumulative amount is more than a predetermined point or the reduction amount, the benefit is returned and the advertisement is returned.
  • security can be improved by two-way communication that transmits electronic receipt information or a corresponding key value instead of a paper receipt and confirms the electronic receipt information with the key value.
  • FIG. 1 is a block diagram of an electronic receipt issuing system according to an embodiment of the present invention.
  • FIG. 2 is a configuration diagram of an operation server shown in FIG. 1.
  • FIG. 3 is a flowchart of a method for issuing an electronic receipt according to a first embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating a method for issuing an electronic receipt according to a second embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating a method for issuing an electronic receipt according to a third embodiment of the present invention.
  • FIG. 6 is a block diagram of an electronic receipt issuing system according to another embodiment of the present invention.
  • FIG. 7 is a configuration diagram of the authentication server shown in FIG.
  • FIG. 8 is a flowchart illustrating a method for issuing an electronic receipt according to a fourth embodiment of the present invention.
  • FIG. 1 is a block diagram of an electronic receipt issuing system according to an embodiment of the present invention.
  • the configuration includes an operation server 10, payment server 20, merchant terminal (30a, ..., 30n), customer mobile terminal (40a, ..., 40n) and customer PC (50a, ..., 50n) do.
  • Merchant terminal (30a, ..., 30n) is for payment processing of fees, such as credit card, cash payment terminal or NFC (Near Field Communication) utilization payment processing terminal provided in at least one or more merchants that sell goods or provide services
  • the payment terminal may be a POS terminal of a large affiliated store or a sales terminal of a small affiliated store.
  • the affiliated store may be each branch (chain store) belonging to a large company that subscribes as a member by a business agreement with the operation server 10 and agrees to issue an electronic receipt of the operation server 10, or may independently operate the operation server 10.
  • the customer mobile terminal 40a, ..., 40n is a terminal owned by a customer who purchases goods or receives a service from an affiliated store and subscribes as a member to the operation server 10, and transmits data transmitted from the operation server 10 ( Push data, an electronic receipt), push data (key value), any one of the text messages including the key value is received.
  • the customer mobile terminal (40a, ..., 40n) is receiving a variety of information transmitted from the operation server 10 via a wireless AP of the repeater or WiFi of the mobile communication for example to check the electronic receipt information through this Possible mobile equipment is a concept including a mobile phone (including a smartphone), a tablet PC, PDA, and the like.
  • the customer mobile terminal (40a, ..., 40n) can be divided into a customer mobile terminal and an unsupported customer mobile terminal (App) is supported, the customer mobile terminal supported by the app text message or push data (electronic It is equipped with an app that detects receipts or key values and displays or manages electronic receipt information (receiving the electronic receipt as it is or using the key value).
  • App unsupported customer mobile terminal
  • the mobile terminal supported by the app stores the key value and the text message when the key message (push data) or the text message including the key value is transmitted, and the app generates electronic receipt information corresponding to the key value and outputs it to the screen. do.
  • the customer mobile terminal that the app is not supported stores the key value and the text message when the text message including the key value or the key value is transmitted, and accesses the operation server 10 with this key value when the key value displayed on the screen is selected. By doing so, the electronic receipt information corresponding to the key value is requested to confirm the electronic receipt information stored in the operation server 10.
  • the payment server 20 is a server that performs approval when the merchant terminal 30a, ..., 30n requests the approval of payment information according to the purchase of goods or service provision.
  • the POS server and the VAN company server provided in a large store The concept includes a credit card company server and a cash settlement server.
  • the payment server 20 transmits payment details necessary for generating an electronic receipt to the operation server 10 only when payment approval is completed by a business agreement with the operation server 10, but the operation server 10 independently It may be operated, or may be operated in the payment server 20.
  • the operation server 10 operating the electronic receipt issuing system is programmed in the form of software or firmware to issue a series of electronic receipts, based on the payment history sent from the payment server 20.
  • the electronic receipt and key value corresponding to the electronic receipt are generated, and the electronic receipt information is transmitted to the customer mobile terminal 40a in three ways, namely, push data (e-receipt), push data (key value), and text message. To transmit.
  • the push data (e-receipt) method directly transmits the e-receipt information to the customer mobile terminals 40a, ..., 40n, and the customer immediately checks the e-receipt information through the customer mobile terminals 40a, ..., 40n.
  • the push data (key value) method is a method of pushing a key value as data to the mobile terminal (40a, ..., 40n)
  • the text message method is a method to include the key value in the text message and send it by SMS method, using this key value Check the electronic receipt information.
  • the customer can check the electronic receipt information and the carbon point information using the customer information or the key value by accessing the operation server 10 through the Internet using the customer PC (50a, ..., 50n).
  • the customer may receive advertisements and discount coupons when receiving electronic receipt information through the customer mobile terminals 40a, ..., 40n and the customer PCs 50a, ..., 50n.
  • the operation server 10 creates and manages or links a series of household accounts for each customer based on the electronic receipt information by programming, and the customer manages the customer PCs 50a, 50n or the mobile terminals 40a, 40n.
  • This account book information can be modified / added by accessing the operation server 10 or a separate account book service providing server.
  • FIG. 2 is a configuration diagram of an operation server shown in FIG. 1.
  • the operation server 10 is a control unit 101, communication module 102, electronic receipt module 103, digital signature module 104, key value module 105, account book module 106, carbon point module 107 and the member management module 108, and manages the customer DB 111, merchant DB 112, electronic receipt DB 113, account book DB 114.
  • the control unit 101 is an electronic receipt containing the payment history information of the goods or services provided by the customer, the electronic signature to confirm the electronic receipt and the key value corresponding to the electronic receipt, and the carbon point according to the issuance of the electronic receipt And generating carbon emission savings, transmitting the generated electronic receipts and carbon points or key values to the customer mobile terminals 40a,..., 40n, and generating overall components to manage and manage the account book.
  • the communication module 102 is a module for connecting the operation server 10 to the customer mobile terminals 40a, ..., 40n, the customer PCs 50a, ..., 50n, and the payment server 20. Receives commands and information input from the connected customer mobile terminals 40a, ..., 40n or the customer PCs 50a, ..., 50n, and transmits electronic receipt information (including individual or cumulative carbon points) to the customer mobile terminals 40a,. ..., 40n).
  • the communication module 102 may transmit only the key value corresponding to the electronic receipt information to the customer mobile terminal 40a, ..., 40n as push data, transmit a text message containing the key value, or transmit the electronic receipt itself. It may also transmit to the customer mobile terminal 40a, ..., 40n.
  • the communication module 102 receives the payment history information from the payment server 20, and transmits the carbon emission reduction amount (individual, cumulative) for each affiliated store to the affiliated store terminal (30a, ..., 30n).
  • the member management module 108 performs functions such as new member registration, withdrawal, and change of member information of members, that is, customers and merchants, and performs login.
  • the member management module 108 is a new member of the customer or affiliated member when registering a variety of information (member name, address, phone number (mobile phone number), email address, resident number (business registration number), resident number, ID, password, etc. Information to the extent that receipt can be received) and stored in the customer DB 111 and the merchant DB 112, and if the member information is changed, the changed member information is stored in the customer DB 111 and the merchant DB 112. Save it.
  • the carbon point module 107 calculates and accumulates carbon points (or green mileage) for each customer based on the payment history information transmitted from the payment server 20 through the communication module 102, but the customer DB 111 or the electronic Store in the receipt DB (113).
  • the carbon point module 107 calculates and accumulates carbon emission reduction amount (or green mileage) to the affiliated store based on the payment history information transmitted from the payment server 20 through the communication module 102, which stores the affiliated DB ( 112).
  • the carbon point module 107 calculates carbon point or carbon emission reduction amount in proportion to the amount of paper saved by issuing an electronic receipt, without calculating carbon point or carbon emission reduction amount according to the amount of the payment amount.
  • the cash can be used. If the carbon emission reduction amount of the merchant exceeds the predetermined amount, the commission is reduced.
  • the electronic signature module 104 performs the electronic signature to confirm the authenticity of the electronic receipt, and the customer mobile terminal 40a, ..., 40n, which has received the electronic signature, receives the electronic signature included in the electronic receipt. Verify the authenticity of the reporting electronic receipt.
  • the electronic receipt module 103 generates an electronic receipt for each customer based on the payment history information and carbon points or green mileage (individual, cumulative), and stores the electronic receipt information in the electronic receipt DB 113.
  • the key value module 105 generates a key value corresponding to the electronic receipt information in a combination of letters and numbers, and stores the key value information in the electronic receipt DB 113 together with the electronic receipt information.
  • the account book module 106 retrieves the account book information stored in the account book DB 114 and creates an account book for each item group based on the payment history information sent from the payment server 20 and stores it in the account book DB 114 or provides an external account book service. Link with server.
  • FIG. 3 is a flowchart of a method for issuing an electronic receipt according to a first embodiment of the present invention, in which an operation server directly transmits an electronic receipt to a customer mobile terminal.
  • the merchant terminal 30a,..., 30n makes payment by credit card or cash, and the merchant terminal 30a,..., 30n is the payment server 20. ), The payment information is sent and a payment procedure for requesting payment approval is performed.
  • the payment information includes personal identification information for the individual or the customer mobile terminal (40a, ..., 40n) to receive the receipt
  • the personal identification information is a credit card number or membership card number or phone number or a unique ID assigned separately.
  • the personal or customer mobile terminal can be distinguished by the unique value, which can be read by the barcode reader from the merchant terminal (30a, ..., 30n) that appeared in the smartphone app in the form of a barcode or through the merchant terminal (30a, ..., 30n)
  • This information may be obtained or dictated by the customer, or hereinafter referred to as personally identifiable information.
  • the payment server 20 approves the payment, the merchant terminal 30a (..., 30n) performs a payment (S302), and the payment server 20 issues an electronic receipt for payment details after the payment is completed. It transmits to the operating server 10 operating the system (S304).
  • the payment history information includes payment customer information including card type, card number, payment information of card expiration date, authorization number for payment information, merchant name, merchant number, merchant address, It includes payment merchant information such as phone number, business registration number, transaction-related information such as item name, quantity, amount, transaction date, and personal identification information for personal identification.
  • NFC-based payment processing terminal with credit card function In this case, the credit card will be processed.
  • personal identification information such as membership card or cash receipt card number or phone number which can be personally identified is included in the payment customer information.
  • the operation server 10 searches for the customer DB 111 based on the payment customer information (for example, personal identification information such as a credit card or cash receipt card number and phone number) included in the payment history information.
  • the payment customer information for example, personal identification information such as a credit card or cash receipt card number and phone number
  • the operation server 10 performs an electronic signature to verify the authenticity of the electronic receipt when there is a corresponding customer and the affiliated store (S306), and calculates a carbon point for each customer based on the transaction information in the payment history information. Accumulate by adding up the carbon points and stores them in the customer DB 111 (S308).
  • the electronic signature may be omitted or replaced by another technique if necessary.
  • the operation server 10 not only calculates carbon points for each customer, but also calculates carbon emission reduction amount at the affiliated store, but reduces the amount of paper to be reduced by issuing an electronic receipt without calculating carbon point or carbon emission reduction in proportion to the payment amount. Calculate carbon point or carbon emissions savings in proportion to
  • the operation server generates an electronic receipt based on the payment history information and carbon points and stores it in the electronic receipt DB 113 for each customer (S310).
  • the operation server 10 loads the existing account book from the account book DB 114 based on the payment history information, create a new item for each item group and store it again in the book account DB 114.
  • the mobile terminal 40a, 40n stores the electronic receipt information and stores transaction details and individual and cumulative carbon. Check the points.
  • related advertisements and discount coupons may be provided in association.
  • the merchant terminal 30a,..., 30n may perform the above steps only if the electronic receipt user registration is performed by further performing the electronic receipt user registration checking procedure before transmitting the payment history information to the payment server 20. It may be.
  • the merchant terminal (30a, ..., 30n) by sending the personal identification information (card number or phone number) to the operation server 10 is the electronic receipt issued member
  • the operation server 10 may perform a procedure of notifying the affiliated store terminal 30a,..., 30n by checking whether the issuance member is an electronic receipt issued by the personal identification information.
  • the personal identification key may be used as personal identification information in the electronic receipt user registration confirmation procedure.
  • the operation server 10 generates a barcode or QR code for each individual when registering as an electronic receipt issuing member and then moves the customer to a mobile terminal. Transfer to (40a, ..., 40n) and store itself.
  • the customer mobile terminal 40a, ..., 40n presents this barcode or QR code as a personal identification key at the time of calculation, and the merchant terminal 30a, ..., 30n shows the barcode or QR of the customer mobile terminal 40a, ..., 40n.
  • the merchant terminal (30a, ..., 30n) transmits the electronic receipt information to the customer mobile terminal (40a, ..., 40n), the operation server ( 10, the electronic receipt information may be provided from the customer mobile terminal 40a, ..., 40n.
  • FIG. 4 is a flowchart illustrating a method for issuing an electronic receipt according to a second embodiment of the present invention, in which an operation server includes a key value corresponding to the electronic receipt information in a text message and transmits it directly to a customer mobile terminal.
  • the merchant terminal 30a,..., 30n makes payment by credit card or cash, and the merchant terminal 30a,..., 30n is the payment server 20. ), The payment information is sent and a payment procedure for requesting payment approval is performed.
  • the payment server 20 approves the payment, the merchant terminal 30a (..., 30n) performs a payment (S402), and the payment server 20 issues an electronic receipt for payment details after the payment is completed. It transmits to the operating server 10 operating the system (S404).
  • the payment history information includes payment customer information including card type, card number, payment information of card expiration date, authorization number for payment information, merchant name, merchant number, merchant address, It includes payment merchant information such as phone number, business registration number, transaction-related information such as item name, quantity, amount, transaction date, and personal identification information for personal identification.
  • NFC-based payment processing terminal with credit card function In this case, the credit card will be processed.
  • personal identification information such as membership card or cash receipt card number or phone number which can be personally identified is included in the payment customer information.
  • the operation server 10 searches for the customer DB 111 based on the payment customer information (for example, personal identification information such as a credit card or cash receipt card number, a unique ID, etc.) included in the payment history information.
  • the payment customer information for example, personal identification information such as a credit card or cash receipt card number, a unique ID, etc.
  • the operation server 10 performs an electronic signature to verify the authenticity of the electronic receipt when there is a corresponding customer and the affiliated store (S406), and calculates a carbon point for each customer based on the transaction information in the payment history information. Accumulate by adding up the carbon points and stores them in the customer DB 111 (S408).
  • the electronic signature may be omitted or replaced by another technique if necessary.
  • the operation server 10 not only calculates carbon points for each customer, but also calculates carbon emission reduction amount at the affiliated store, but reduces the amount of paper to be reduced by issuing an electronic receipt without calculating carbon point or carbon emission reduction in proportion to the payment amount. Calculate carbon point or carbon emissions savings in proportion to
  • the operation server 10 generates an electronic receipt based on the payment history information and carbon points and stores it in the electronic receipt DB 113 for each customer (S410).
  • the operating server 10 generates a key value corresponding to the electronic receipt information including the carbon point (S412), and transmits the text message to the customer mobile terminal 40a, ..., 40n by including the key value in the text message ( S414).
  • the app When the app is mounted on the customer mobile terminal 40a, ..., 40n (S416), the app detects the receipt of the text message and stores the key value, and receives the electronic receipt information as the key value of the customer mobile terminal 40a, ..., By outputting to the screen of 40n), the customer checks the transaction history and the individual and cumulative carbon points using the text message including the key value (S418).
  • the operation server 10 to check the (emission, inquiry, etc.) by reducing the amount of carbon emissions by not using the paper by issuing an electronic receipt from the merchant.
  • the merchant terminal 30a,..., 30n further performs an electronic receipt user registration checking procedure before transmitting payment history information to the payment server 20, the electronic receipt user registration is performed. Only the above steps may be performed, and the personal identification information is used in the electronic receipt user registration confirmation procedure.
  • the merchant terminal (30a, ..., 30n) transmits the electronic receipt information to the customer mobile terminal (40a, ..., 40n), the operation server ( 10, the electronic receipt information may be provided from the customer mobile terminal 40a, ..., 40n.
  • FIG. 5 is a flowchart illustrating a method for issuing an electronic receipt according to a third embodiment of the present invention, in which an operation server transmits a key value corresponding to the electronic receipt information to a customer mobile terminal as push data.
  • the merchant terminal 30a,..., 30n makes payment by credit card or cash, and the merchant terminal 30a,..., 30n is the payment server 20. ), The payment information is sent and a payment procedure for requesting payment approval is performed.
  • the payment server 20 approves the payment, the merchant terminal 30a (..., 30n) performs the payment (S502), the payment server 20 is issued after the payment is completed payment history information is issued electronic receipt It transmits to the operating server 10 operating the system (S504).
  • the payment history information includes payment customer information including card type, card number, payment information of card expiration date, authorization number for payment information, merchant name, merchant number, merchant address, It includes payment merchant information such as phone number, business registration number, transaction-related information such as item name, quantity, amount, transaction date, and personal identification information for personal identification.
  • NFC-based payment processing terminal with credit card function In this case, the credit card will be processed.
  • personal identification information such as membership card or cash receipt card number or phone number which can be personally identified is included in the payment customer information.
  • the operation server 10 searches the customer DB 111 based on payment customer information (for example, personal identification information such as a credit card or cash receipt card number, telephone number, unique ID, etc.) included in the payment history information. Check the customer, and check the merchant DB (112) based on the payment merchant information (for example, merchant number, phone number, business registration number, etc.) included in the payment history information to identify the merchant.
  • payment customer information for example, personal identification information such as a credit card or cash receipt card number, telephone number, unique ID, etc.
  • the merchant DB (112) for example, merchant number, phone number, business registration number, etc.
  • the operation server 10 performs an electronic signature to verify the authenticity of the electronic receipt when there is a corresponding customer and the affiliated store (S506), and calculates a carbon point for each customer based on the transaction information in the payment history information. The cumulative total is added to the carbon points and stored in the customer DB 111 (S508).
  • the operation server 10 not only calculates carbon points for each customer, but also calculates carbon emission reduction amount at the affiliated store, but reduces the amount of paper to be reduced by issuing an electronic receipt without calculating carbon point or carbon emission reduction in proportion to the payment amount. Calculate carbon point or carbon emissions savings in proportion to
  • the operation server 10 generates an electronic receipt based on the payment history information and carbon points and stores it in the electronic receipt DB 113 for each customer (S510).
  • the operation server 10 generates a key value corresponding to the electronic receipt information including the carbon point (S512), and transmits the key value to the customer mobile terminal 40a, ..., 40n using a push technique (S514).
  • the app When the app is mounted on the customer mobile terminal 40a, ..., 40n (S516), the app detects the push data and stores the key value, and receives the electronic receipt information as the key value, and the customer mobile terminal 40a, ..., 40n. By outputting on the screen, the customer checks the transaction history and the individual and cumulative carbon points using the key value (S518).
  • the server 10 issuing an electronic receipt from the affiliated stores so as not to use the paper to reduce the amount of carbon emissions (transmission, inquiry) and may also provide advertising or discount coupons.
  • the merchant terminal 30a,..., 30n only performs an electronic receipt user registration checking procedure before transmitting payment history information to the payment server 20 only when the electronic receipt user is registered.
  • the personal identification information or the personal identification key may be used in the electronic receipt user registration confirmation procedure.
  • the merchant terminal (30a, ..., 30n) transmits the electronic receipt information to the customer mobile terminal (40a, ..., 40n), the operation server ( 10, the electronic receipt information may be provided from the customer mobile terminal 40a, ..., 40n.
  • FIG. 6 is a block diagram of an electronic receipt issuing system according to another embodiment of the present invention.
  • the authentication server 60, the payment server 20, the merchant terminal (30a, ..., 30n), including the customer mobile terminal (40a, ..., 40n) and the customer PC (50a, ..., 50n) do.
  • Merchant terminal (30a, ..., 30n) is a credit card, NFC-based payment processing terminal or cash payment processing terminal provided in at least one or more merchants that sell goods or provide services, sales of small merchants or small merchants It may be a terminal.
  • the affiliated store may be each branch (chain store) belonging to a large company, or may be an individual branch (chain store) or an independently operated store or service provider.
  • Customer mobile terminal (40a, ..., 40n) is a terminal owned by a customer registered as a member to the authentication server 60 to purchase goods or provide services at the merchant, the electronic receipt information to the payment server 20 Receives the request, and receives the electronic receipt issuance guide data (authentication number, information storage location information, advertising information, discount coupon, etc.) transmitted from the authentication server (60).
  • the electronic receipt issuance guide data authentication number, information storage location information, advertising information, discount coupon, etc.
  • the client mobile terminal 40a, ..., 40n transmits the authentication number included in the electronic receipt issuance guide data to the payment server 20 to request issuance of the electronic receipt.
  • the customer mobile terminal (40a, ..., 40n) receives a variety of information transmitted from the authentication server 60 and the payment server 20 through a wireless AP of the mobile communication repeater or WiFi, and through this, electronic receipt issued guide information
  • the concept of checking the electronic receipt information includes a mobile phone, PDA, and the like.
  • the customer mobile terminal (40a, ..., 40n) can be divided into a customer mobile terminal and an unsupported customer mobile terminal (App) is supported, the mobile terminal is supported by the app detects a text message or push data And an app for receiving the electronic receipt information as a key value is mounted.
  • App unsupported customer mobile terminal
  • the mobile terminal 40a, ..., 40n which supports the app, stores a key value and a text message when a key value (push data, receipt-related authentication key) or a text message including the key value is received. Receives the electronic receipt information corresponding to the payment from the server 20 to store and output to the screen.
  • the app may receive and provide related advertisements or discount coupons.
  • the mobile terminal that is not supported by the app stores a text message (SMS or MMS) containing the key value when the text message including the key value or the key value is transmitted, and the key value is displayed when the key value displayed on the screen is selected.
  • SMS text message
  • MMS mobile mobile station
  • the electronic receipt information stored in the payment server 20 is checked by accessing the payment server 20 and requesting electronic receipt information corresponding to a key value through the payment server 20.
  • the payment server 20 is a server that performs approval when the merchant terminal 30a, ..., 30n requests the approval of payment information according to the purchase of goods or service provision.
  • the POS server and the VAN company server provided in a large store The concept includes a credit card company server and a cash settlement server.
  • the payment server 20 is a server that subscribes as a member by a business agreement with the authentication server 60 and agrees to issue its own electronic receipt only when payment approval is completed.
  • the payment server 20 checks whether the electronic receipt issuing member based on the authentication number sent from the authentication server 60 and the authentication number sent from the customer mobile terminal (40a, ..., 40n), and based on this, the electronic receipt information to the customer mobile terminal To 40n, ..., 40n.
  • the payment server 20 generates a carbon point (or green mileage) and carbon emission reduction amount (or green mileage) according to the electronic receipt issuance, and included in the electronic receipt information to the customer mobile terminal (40a, ..., 40n) send.
  • carbon points are calculated for each customer based on the payment history information and are accumulated and stored.
  • the amount of carbon points or carbon emissions is calculated in proportion to the amount of paper saved by issuing an electronic receipt, without calculating carbon points or carbon emission savings as the amount of payment is large or small.
  • the cash can be used. If the carbon emission reduction amount of the merchant exceeds the predetermined amount, the commission is reduced.
  • Authentication server 60 is programmed in the form of software (software) or firmware (firmware) to perform the authentication required for issuing a series of electronic receipts, and to generate information by including the authentication number to the customer mobile terminal ( 40a, ..., 40n) and the payment server 20.
  • the information related to the electronic receipt stored in the customer mobile terminal 40a, ..., 40n is backed up and stored in the authentication server 60, and the information is stored in the customer mobile terminal 40a, ..., 40n or the customer. It is possible to check on the PCs 50a, ..., 50n.
  • the customer can check the information related to the electronic receipt by accessing the authentication server 60 through the Internet using the customer PC (50a, ..., 50n).
  • FIG. 7 is a configuration diagram of the authentication server shown in FIG.
  • the authentication server 60 includes a control unit 601, a communication module 602, an authentication module 604, and a member management module 608, and operates a customer DB 612 and an affiliated store DB 614. Manage.
  • the controller 601 performs authentication for each payment, generates an authentication number, transmits the generated authentication number and carbon point to the payment server 20, and includes the authentication number in the electronic receipt issuance guide data. 40a, ..., 40n).
  • the communication module 602 is a module for connecting the authentication server 60 to the customer mobile terminals 40a,..., 40n and the payment server 20.
  • the member management module 608 performs functions such as new member registration, withdrawal, and change of member information of members, that is, customers and merchants, and performs login.
  • the member management module 608 is a new member of the customer when registering a variety of information (member name, address, phone number (mobile terminal phone number), email address, social security number, ID, password, credit card number, cash receipt card number, etc.) To store in the customer DB 612, and if the member information is changed, the changed member information is stored in the customer DB 612, and the merchant server 614 agrees to provide an electronic receipt for the payment server ( 20) Store the information of the company (merchant).
  • FIG. 8 is a flowchart illustrating a method for issuing an electronic receipt according to a fourth embodiment of the present invention, in which a payment server directly transmits an electronic receipt to a customer mobile terminal.
  • the merchant terminal (30a, ..., 30n) to pay by credit card, NFC using terminal (for example, mobile phone or tablet PC) or cash, at this time merchant
  • the terminal 30a,..., 30n transmits payment history information (general payment information including personal identification information) to the payment server 20 and performs a conventional payment procedure for requesting payment approval.
  • the payment server 20 approves the payment, the payment is performed at the affiliated store terminals 30a, ..., 30n (S802), and the payment server 20 issues an electronic receipt of the payment details after the payment is completed. Request the necessary authentication to the authentication server 60 (S804).
  • the payment server 20 transmits the personal identification information to the authentication server 60 when the payment is made by using NFC terminal or credit card, cash, and so on, and requests authentication.
  • the authentication server 60 checks whether the payment server 20 is a contracted company to provide electronic receipt information by using the affiliate store DB 614.
  • the authentication server 60 checks whether the personal identification information (personal identification information such as credit card number or cash receipt card number or membership card number or unique ID) transmitted from the payment server 20 exists in the customer DB 612. By performing authentication, and generates an individual authentication number for each payment (S806).
  • personal identification information personal identification information such as credit card number or cash receipt card number or membership card number or unique ID
  • the authentication server 60 transmits the personal identification information or the telephone number of the customer mobile terminal 40a, ..., 40n together with the authentication number to the payment server 20 (S808), and the electronic receipt including the authentication number.
  • the issuance guide data is transmitted to the corresponding customer mobile terminals 40a, ..., 40n stored in the customer DB 612 (S810). If necessary, the authentication number may be stored in the customer DB 612.
  • the electronic receipt issuance guide data may include information storage location information and may also include information such as advertisements or discount coupons.
  • the corresponding customer mobile terminal receives the electronic receipt issuance guide data and confirms that there is a need to issue the electronic receipt, and sends an authentication number to the payment server 20 to request the electronic receipt (S812).
  • additional authentication information may be further provided with personal identification information such as, for example, a terminal unique number, individual ID, telephone number, etc. of the customer mobile terminal.
  • the payment server 20 uses the authentication number transmitted from the authentication server 60 and the authentication number transmitted from the customer mobile terminal 40a, ..., 40n to verify whether the electronic receipt is issued by the customer, and then the electronic payment information.
  • the receipt information is transmitted to the customer mobile terminal (S814).
  • the payment server 20 not only authenticates the customer using the authentication number, but also checks all additional authentication information such as ID and phone number if necessary, and receives the electronic receipt for the payment history only when the customer issuing the electronic receipt. May be transmitted to the customer mobile terminals 40a, ..., 40n.
  • Customer mobile terminal (40a, ..., 40n) receives and stores the requested electronic receipt information and confirms the transaction (S816).
  • the mobile terminal 40a, ..., 40n may transmit the electronic receipt information to the authentication server 60, and the electronic receipt information may be backed up and stored in the customer DB 612 (S818). .
  • the payment server 20 may calculate the carbon point and include it in the electronic receipt information and transmit the carbon point to the customer mobile terminal 40a,..., 40n. This may be transmitted to the customer mobile terminal 40a,..., 40n, or may provide related advertisements or discount coupons.
  • the payment server 20 may calculate the amount of carbon emission reduction as much as not using paper so that it can be confirmed (transmission, inquiry).
  • the payment server 20 may perform an electronic signature to check the authenticity of the electronic receipt.
  • the affiliated store terminal (30a, ..., 30n) is NFC-based payment processing terminal
  • the merchant terminal (30a, ..., 30n) delivers the electronic receipt information to the customer mobile terminal (40a, ..., 40n), the operation server ( 10, the electronic receipt information may be provided from the customer mobile terminal 40a, ..., 40n.
  • a system for performing authentication and a system having receipt information are distributed so that sales information of each company is not exposed where authentication is performed.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La présente invention a trait à un procédé permettant de délivrer un reçu électronique, et plus particulièrement à un procédé qui permet de délivrer un reçu électronique sans reçu papier et qui consiste à transmettre un reçu électronique contenant des détails de paiement ou une valeur de clé correspondant aux informations sur le reçu électronique au terminal mobile d'un client après qu'un produit a été acheté ou qu'un service a été reçu. Le procédé permettant de délivrer un reçu électronique selon la présente invention consiste : à effectuer un paiement grâce à la transmission d'informations sur les détails de paiement depuis le terminal du commerçant jusqu'à un serveur de paiement, et à demander une autorisation de paiement lorsque le client achète un produit auprès du commerçant ou lorsqu'il reçoit du commerçant un service ; à transmettre des informations sur les détails de paiement depuis le serveur de paiement jusqu'à un serveur d'exploitation lorsque le paiement sur le terminal du commerçant est achevé par le serveur de paiement ; à générer et à stocker dans le serveur d'exploitation un reçu électronique sur la base des informations sur les détails de paiement ; ainsi qu'à confirmer les informations sur le reçu électronique grâce à la transmission du reçu électronique depuis le serveur d'exploitation jusqu'au terminal mobile du client et à recevoir ledit reçu électronique sur le terminal mobile du client.
PCT/KR2011/007837 2010-11-09 2011-10-20 Procédé permettant de délivrer un reçu électronique WO2012064026A2 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
KR10-2010-0110991 2010-11-09
KR20100110991 2010-11-09
KR1020110043113A KR20120049789A (ko) 2010-11-09 2011-05-06 전자영수증 발급방법
KR10-2011-0043113 2011-05-06
KR10-2011-0106719 2011-10-19
KR1020110106719A KR101255142B1 (ko) 2010-11-09 2011-10-19 전자영수증 발급방법

Publications (2)

Publication Number Publication Date
WO2012064026A2 true WO2012064026A2 (fr) 2012-05-18
WO2012064026A3 WO2012064026A3 (fr) 2012-07-19

Family

ID=46051368

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2011/007837 WO2012064026A2 (fr) 2010-11-09 2011-10-20 Procédé permettant de délivrer un reçu électronique

Country Status (1)

Country Link
WO (1) WO2012064026A2 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10417387B2 (en) 2016-01-28 2019-09-17 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for mobile check-in in retail store
US10445473B2 (en) 2016-01-28 2019-10-15 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for evaluating search engine results and displaying a virtual pill case
US10445471B2 (en) 2016-01-28 2019-10-15 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for mobile check-out in retail store
US10621645B2 (en) 2016-01-28 2020-04-14 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for endless aisle of products in retail store
US10762985B2 (en) 2016-01-28 2020-09-01 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for generating accounts for use in computer systems

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020023098A (ko) * 2001-04-23 2002-03-28 신영철 모바일 단말기의 ｌｃｄ 바코드를 이용한 전자결제시스템, 그 전자 결제 방법 및 현금지급 방법
KR20050100183A (ko) * 2004-04-13 2005-10-18 주식회사 팬택 이동통신 단말기를 이용한 영수증 관리방법
KR20060120732A (ko) * 2005-05-23 2006-11-28 주식회사 케이엘넷 모바일을 이용한 전자세금계산서 발행시스템 및 처리방법
KR20070022422A (ko) * 2005-08-22 2007-02-27 주식회사 아이캐시 휴대전화기를 매체로 하는 전자영수증, 할인쿠폰, 포인트,티켓 및 토큰 발행내역기록 방법 및 시스템

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020023098A (ko) * 2001-04-23 2002-03-28 신영철 모바일 단말기의 ｌｃｄ 바코드를 이용한 전자결제시스템, 그 전자 결제 방법 및 현금지급 방법
KR20050100183A (ko) * 2004-04-13 2005-10-18 주식회사 팬택 이동통신 단말기를 이용한 영수증 관리방법
KR20060120732A (ko) * 2005-05-23 2006-11-28 주식회사 케이엘넷 모바일을 이용한 전자세금계산서 발행시스템 및 처리방법
KR20070022422A (ko) * 2005-08-22 2007-02-27 주식회사 아이캐시 휴대전화기를 매체로 하는 전자영수증, 할인쿠폰, 포인트,티켓 및 토큰 발행내역기록 방법 및 시스템

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10417387B2 (en) 2016-01-28 2019-09-17 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for mobile check-in in retail store
US10445473B2 (en) 2016-01-28 2019-10-15 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for evaluating search engine results and displaying a virtual pill case
US10445471B2 (en) 2016-01-28 2019-10-15 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for mobile check-out in retail store
US10621645B2 (en) 2016-01-28 2020-04-14 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for endless aisle of products in retail store
US10762985B2 (en) 2016-01-28 2020-09-01 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for generating accounts for use in computer systems
US11361855B2 (en) 2016-01-28 2022-06-14 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media for mobile check-in in retail store

Also Published As

Publication number Publication date
WO2012064026A3 (fr) 2012-07-19

Similar Documents

Publication Publication Date Title
WO2017222128A1 (fr) Procédé et serveur pour fournir un service de carte à la place d'une société émettrice de carte
KR101255142B1 (ko) 전자영수증 발급방법
WO2012115490A2 (fr) Procédé pour acheter et vendre des marchandises, et système de support d'achat prenant en charge ce procédé
WO2012064026A2 (fr) Procédé permettant de délivrer un reçu électronique
WO2019107907A1 (fr) Dispositif électronique de commande de paiement électronique et procédé associé
WO2019212295A1 (fr) Système et procédé permettant de servir d'intermédiaire dans un commerce électronique entre un fournisseur et un vendeur
WO2016199994A1 (fr) Dispositif et procédé de fourniture de service de livraison préalable d'un produit d'intérêt au moyen d'une boîte de courrier sans opérateur, et support d'enregistrement sur lequel est enregistré un programme informatique
WO2017065583A1 (fr) Système de paiement par carte mobile pour réaliser un paiement par carte entre des terminaux de communication mobile et procédé associé
WO2014107067A1 (fr) Système d'auto-paiement par carte de crédit utilisant un terminal de communication mobile, et procédé associé
WO2014171680A1 (fr) Terminal mobile, serveur de sécurité et procédé de paiement de celui-ci
WO2021025387A1 (fr) Procédé de commerce électronique capable de commande intégrée et de distribution intégrée, et serveur associé
WO2023136424A1 (fr) Procédé d'émission de reçu électronique
WO2013009063A2 (fr) Système de paiement à l'aide d'un code dédié au paiement et procédé associé
WO2019019245A1 (fr) Procédé et système d'achat de portefeuille de fonds, et support d'informations
WO2019212264A1 (fr) Système et procédé de gestion d'historique de sécurité de produit
WO2014014211A1 (fr) Appareil d'accumulation de points et procédé correspondant
WO2016175422A1 (fr) Dispositif de tampon mobile
WO2017043847A1 (fr) Système de réduction de frais de gestion et serveur de plateforme interagissant avec un procédé de service de paiement en nuage
WO2020027455A1 (fr) Procédé de fourniture de produit, serveur de fourniture de produit et terminal utilisateur
WO2016036214A1 (fr) Système et procédé de service d'achat utilisant un lecteur intelligent, et procédé de commerce intelligent utilisant celui-ci
WO2010137803A2 (fr) Système de règlement utilisant des données de clients stockées dans une base de données
WO2020091095A1 (fr) Procédé et dispositif de fourniture de service de transaction par publicité
WO2014065603A1 (fr) Procédé permettant de fournir à un utilisateur, sur la base d'une zone, une publicité pour un établissement commercial et un service de paiement grâce à une communication à courte portée entre un smartphone et un point d'accès
WO2017034317A1 (fr) Procédé, serveur et système d'enregistrement par lots de plusieurs contenus numériques
WO2017034319A1 (fr) Procédé, serveur et système de fourniture d'un contenu numérique

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 11839164

Country of ref document: EP

Kind code of ref document: A2

NENP Non-entry into the national phase in:

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 11839164

Country of ref document: EP

Kind code of ref document: A2