WO2016111482A1 - Système d'émission de reçu électronique - Google Patents

Système d'émission de reçu électronique Download PDF

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Publication number
WO2016111482A1
WO2016111482A1 PCT/KR2015/014098 KR2015014098W WO2016111482A1 WO 2016111482 A1 WO2016111482 A1 WO 2016111482A1 KR 2015014098 W KR2015014098 W KR 2015014098W WO 2016111482 A1 WO2016111482 A1 WO 2016111482A1
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WO
WIPO (PCT)
Prior art keywords
electronic receipt
information
issuance
communication terminal
mobile communication
Prior art date
Application number
PCT/KR2015/014098
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English (en)
Korean (ko)
Inventor
이동호
Original Assignee
디에이치이노시스 주식회사
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 KR1020150000942A external-priority patent/KR101538745B1/ko
Application filed by 디에이치이노시스 주식회사 filed Critical 디에이치이노시스 주식회사
Publication of WO2016111482A1 publication Critical patent/WO2016111482A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to an electronic receipt issuance system.
  • the electronic receipt issuing system receives the payment approval message content from the mobile communication terminal received the payment approval message from the payment server, based on this
  • the company has applied for a patent on the technology of issuing a receipt and sending the issued electronic receipt to the recipient requested by the customer.
  • the electronic receipt generation system as described above has a problem that it is difficult to control whether a paper receipt is issued, and that detailed details are difficult to be described when the electronic receipt includes a plurality of items, quantities, and price information.
  • This embodiment has a main purpose to provide a system for controlling a payment terminal so as not to issue a paper receipt when the electronic receipt is issued, and inquiring the details of the electronic receipt.
  • a mobile communication terminal and an electronic receipt issuing subject subscription request message that transmits an electronic receipt issuance request message and payment approval message, mobile terminal identification information, location information
  • An authentication unit for receiving a message and authenticating whether or not it can be subscribed to an electronic receipt issuance, the payment approval message, the mobile communication terminal identification information, the receiving unit for receiving the location information, parsing the received payment approval message (Parsing) Parsing unit for extracting the receipt generation information to search for the operator information included in the receipt generation information and the operator information corresponding to the location information from the operator DB, the electronic receipt issuing companies corresponding to the electronic receipt issuance request message Search / matching unit to confirm with the electronic receipt
  • An electronic receipt generating unit for issuing a service provider, and generating an electronic receipt for a customer corresponding to the mobile communication terminal identification information, and a transmitting unit for transmitting the generated electronic receipt to a terminal of the electronic receipt receiver. It provides an electronic receipt issuing system comprising an electronic receipt issuing server to,
  • a mobile communication terminal a process of transmitting an electronic receipt issuance target subscription request message and receiving a payment approval message from a payment server, the payment approval message, mobile terminal identification information, location information And a process of requesting issuance of an electronic receipt including an electronic receipt issuing server, wherein the electronic receipt issuing server authenticates whether the electronic receipt issuing subject subscription request message can be registered as an electronic receipt issuing subject, and the payment approval message.
  • Receiving the mobile communication terminal identification information and the location information parsing the payment approval message and extracting receipt generation information; and a provider corresponding to the operator information and the location information included in the receipt generation information. Search for the searched operators to the mobile terminal identification information. Confirming the electronic receipt issuing company, generating the electronic receipt for the customer corresponding to the identification information of the mobile communication terminal, and generating the electronic receipt. It provides an electronic receipt issuing method comprising the step of transmitting to the terminal of the receipt recipient.
  • the conventional technology is a technology for issuing an electronic receipt and does not include the technical idea of a technology for controlling the issuance of a paper receipt.
  • you In addition to controlling the issuance of e-receipt, you must download the e-receipt application to your mobile communication terminal and go through the authentication procedure for issuing the e-receipt through this application. It has the effect of providing a means to identify.
  • FIG. 1 is a block diagram of an electronic receipt issuing system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram of a mobile communication terminal for issuing an electronic receipt according to an embodiment of the present invention.
  • Figure 3a is a diagram showing the form of the electronic receipt according to an embodiment of the present invention.
  • Figure 3b is a diagram showing the format of the details of the electronic receipt according to an embodiment of the present invention.
  • FIG. 4 is a flowchart of a process for issuing an electronic receipt according to an embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating a process of issuing an electronic receipt from the electronic receipt issuing server according to an embodiment of the present invention.
  • the electronic receipt issuing system includes a payment terminal 400, a payment server 300, a mobile communication terminal 200, and an electronic receipt issuing server 100.
  • the electronic receipt issuing server 100 includes an authentication unit 110, a control unit 120, a reception unit 130, a parser 140, a search / matching unit 150, an electronic receipt generation unit 160, and a transmission unit 170. It includes.
  • the electronic receipt issuing server 100 may be implemented so that one server includes all the components, but it is also possible to have a separate server for each component or to implement a part of the components as one server.
  • the overall process of issuing an electronic receipt as shown in the embodiment of Figure 1 is as follows.
  • the payment terminal 400 requests payment approval from the payment server 300.
  • the payment server 300 includes a server of an operator performing a communication service and an information processing service between a credit card company and a credit card payment terminal, such as a value added network (VAN), or a server of an operator issuing a cash receipt. can do.
  • the payment server 300 may check whether the customer is the subject of the electronic receipt issuance, and if the subject of the electronic receipt is the subject, control the payment terminal 400 so that the paper receipt is not issued. The process of controlling the payment terminal 400 in the payment server 300 will be described in detail later.
  • an electronic receipt application is installed in a mobile communication terminal 200 to receive a payment approval message including business information, card information, and payment history information, and through an electronic receipt application.
  • Providing all or part of the credit card number to be used by the electronic receipt issuing server 100 or the mobile terminal identification information should be preceded.
  • a credit card number all is required for payment, but for the issuance of an e-receipt, only a part of it can be used to specify a credit card. There is an advantage that it can.
  • the authentication unit 110 of the electronic receipt issuing server 100 checks whether or not the person who can issue the electronic receipt using the credit card number received from the mobile communication terminal 200 or the identification information of the mobile communication terminal. Whether the person can issue the electronic receipt may include a verification process by at least one of the date of birth, the resident registration number, the text message of the mobile communication terminal, the authentication number, the official certificate, i-pin and my-pin.
  • the electronic receipt issued subject information after the authentication procedure is stored in the subscriber DB (Database, 500), and is transmitted to the control unit 120.
  • the payment server 300 receiving the payment approval request communicates with the control unit 120 of the electronic receipt issuing server 300 to determine whether the electronic receipt is issued using the credit card information or the mobile terminal identification information of the customer who requested the payment. Inquire.
  • the communication method between the payment server 300 and the electronic receipt issuing server 100 may not only query whether the electronic receipt is issued when a payment approval request is made from the customer, but also the electronic receipt issuing server 100 may be preset. It is possible to provide the electronic receipt issued subject information to the payment server 300 at regular intervals.
  • the electronic receipt issuance confirmation method of the method as described above is able to accommodate the needs of a variety of operators, including various credit card companies, VAN company operating the payment server 300.
  • the payment approval message can be any one of a variety of forms including short message service (SMS), multimedia message (MMS), push message, push notification, and internet communication (TCP / IP communication). Can be transmitted in the manner of.
  • SMS short message service
  • MMS multimedia message
  • TCP / IP communication internet communication
  • the application 210 of the mobile communication terminal 200 transmits the payment approval message, the location information, the mobile communication terminal identification information, and the location information to the electronic receipt issuing server 100, the receiving unit of the electronic receipt issuing server 100 is provided. By receiving it at 130, it is possible to check whether the electronic receipt is eligible for issue, and if not the electronic receipt issuance subject, the electronic receipt may not be issued.
  • the application 210 of the mobile communication terminal 200 will be described in detail with reference to FIG. 2.
  • the parser 140 parses the payment approval message received from the receiver 130 to extract information for generating a receipt.
  • Information for generating a receipt may include business information, card information, payment history information, business information may include the business name of the operator, merchant ID (identity, identification), credit card, debit card and check card
  • the card information may include a card company and a card number
  • the payment history information may include a payment amount, approval date, installment information, and receipt approval number.
  • the search / matching unit 150 uses the service provider information including the trade name and the merchant ID extracted from the payment approval message and the location information received from the mobile communication terminal 200 in detail for issuing an electronic receipt from the operator DB 600.
  • the information of the operator is inquired and confirmed as the operator for issuing the electronic receipt.
  • the operator DB 600 may include a business name, a business number, a representative name, an address, a phone number, a business type, an affiliate store ID, and location information of a store.
  • the search / matching unit 150 may be difficult to accurately identify the operator for issuing the electronic receipt only by the operator information included in the payment approval message, and the location information received from the mobile communication terminal 200 is compensated for. It is available.
  • Operators can be specified more precisely through spatial search using the location information received from the mobile communication terminal 200 and the address included in the operator DB 600 or the location information of the store. Searches for operators within a certain range that reflects a preset error rate of the location information received from the mobile communication terminal 200, and has the highest similarity with the operator information including the merchant and ID of the operators extracted from the searched operators and payment approval messages. You can choose a carrier. The operator selected by the search / matching unit 130 is determined to be an electronic receipt issuing operator.
  • the electronic receipt generation unit 160 generates an electronic receipt for the issuer of the confirmed e-receipt generating business operator, a customer corresponding to the identification number of the mobile communication terminal, and the generated electronic receipt is an electronic receipt DB (700). ) In this case, the electronic receipt generation unit 160 may search for the electronic receipt corresponding to the receipt approval number using the receipt approval number in the electronic receipt DB 700 to prevent the duplicate electronic receipt from being issued.
  • the electronic receipt generating unit 160 queries the business classification DB 550 of the electronic receipt generating company specified by the search / matching unit 150 to determine whether the electronic receipt generating company is a business providing the details of the electronic receipt. If the operator provides the details of the electronic receipt, and generates the electronic receipt including the server information of the electronic receipt issuing provider providing the details.
  • the provider classification DB 550 includes information on an operator, whether to provide details of an electronic receipt, and an internet address of a provider server that provides details when providing details of an electronic receipt.
  • the Internet address includes at least one of an Internet Protocol (IP), an access port, or a Uniform Resource Locator (URL).
  • IP Internet Protocol
  • URL Uniform Resource Locator
  • the electronic receipt generating unit 160 may check whether the same receipt is generated in the electronic receipt DB 700 using the receipt approval number in order to prevent the electronic receipt is issued repeatedly.
  • the transmitter 170 transmits the electronic receipt generated by the electronic receipt generator 160 to the terminal 800 designated as the receiver of the electronic receipt.
  • the transmitter 170 transmits the electronic receipt by means of a short message (SMS), a multimedia message (MMS), a push message, an e-mail, an SNS (Social Network Service) having a message transmission function, or a messenger or Internet communication (TCP / IP).
  • SMS short message
  • MMS multimedia message
  • SNS Social Network Service
  • TCP / IP messenger or Internet communication
  • the terminal 800 may be in various forms including a PC or a mobile communication terminal that receives a person designated as a recipient of the electronic receipt, an e-mail, a message, and checks the electronic receipt.
  • the receiver of the electronic receipt may be a mobile communication terminal 200 that has received a payment approval message, or may be a terminal capable of receiving an email, SNS, or messenger by a third party designated by the customer.
  • Transmitter 170 is a mobile terminal or email address, messenger or Internet communication in accordance with the classification for self-identification, proof of business expenses, consumer income deduction classification included in the recipient classification setting information stored in the recipient classification DB (520) Can be transmitted using.
  • the mobile communication terminal 200 may perform the role of the terminal 800.
  • the mobile communication terminal 200 and the terminal 800 according to the embodiment of the present invention are a personal computer (PC), a notebook computer, a tablet (Tablet), a personal digital assistant (PDA), a game console, It includes a user terminal such as a portable multimedia player (PMP), a PlayStation Portable (PSP, PlayStation Portable), a wireless communication terminal, a smart phone, a TV, a media player, and the like.
  • PC personal computer
  • PMP portable multimedia player
  • PSP PlayStation Portable
  • wireless communication terminal a smart phone, a TV, a media player, and the like.
  • the mobile communication terminal 200 is a mobile communication including Near Field Communication (NFC), 2G, 3G, Long Term Evolution (LTE) and Time-Division LTE (TD-LTE), At least one of communication means including a wireless local area network (WLAN) including Wi-Fi is possible.
  • NFC Near Field Communication
  • 2G 3G
  • Long Term Evolution LTE
  • TD-LTE Time-Division LTE
  • the mobile communication terminal 200 may include an electronic receipt application 210 and an electronic receipt depository 230.
  • the electronic receipt application 210 may include an input unit 211, a message receiver 213, a location information collector 215, a transmitter 217, and a details processor 219.
  • the input unit 211 receives the identification information of the mobile communication terminal for issuing part or all of the credit card number or cash receipt for use by the customer.
  • the message receiving unit 211 receives a payment approval message sent by the payment server 300.
  • the message receiving unit 211 may receive a payment approval message in various forms including a short text message, a multimedia text message, and a push message.
  • the location information collecting unit 215 may obtain location information by using a GPS, WiFi, or a base station mounted in the mobile communication terminal 200.
  • the details processing unit 219 receives the electronic receipt from the electronic receipt issuing server 100, connects to the electronic receipt issuing company server received together with the electronic receipt when the electronic receipt contains the details, and sends the electronic receipt to the electronic receipt. Using the included receipt approval number, receives the details of the electronic receipt corresponding to the receipt approval number and displays it on the screen of the mobile communication terminal 200.
  • the electronic receipt may include transaction date and time, payment amount, supply value, VAT, card name, receipt approval number, trade name, business number, representative name, address and telephone number.
  • the information provided by the electronic receipt is not limited thereto and may further include various types of information.
  • Figure 3b is a form of details of the electronic receipt according to an embodiment of the present invention.
  • the details of the electronic receipt provide information on payment for each product or service in the case of a business that purchases a plurality of goods or services by a customer including a department store and a mart. It may include information on the amount, VAT, duty-free or small goods, and may include event, point, and coupon information provided by the business operator.
  • the mobile communication terminal 200 receives the payment approval message, and in order to issue the electronic receipt using this, the electronic receipt application must be installed in the mobile communication terminal 200 (S310). At this time, if you want to receive an electronic receipt on behalf of the paper receipt, the electronic receipt application enters the subscriber information including part or all of the credit card number used to issue the electronic receipt, the mobile terminal identification information used to issue cash receipts Receives it, and transmits it to the electronic receipt issuing server 100 to request a subscription (S312).
  • the electronic receipt issuing server 100 determines whether to be authenticated through the identity verification process by using the subscriber information received from the mobile communication terminal 200 (S314), the credit card or mobile communication that is not confirmed or used illegally In case of using the identification information of the terminal, authentication is denied and it is not possible to join as an electronic receipt issuer. When it is confirmed that the electronic receipt can be issued, the subscriber information is stored in the subscriber DB, and the authentication result is transmitted to the mobile communication terminal 200 (S316).
  • the payment terminal 400 After purchasing the goods or services to present a credit card or cash and request a payment, the payment terminal 400 requests the payment to the payment server 300 (S320).
  • the payment server 300 requests the electronic receipt issuing server 100 to check whether the electronic receipt is issued by using the credit card number or the mobile terminal identification information requested for payment (S322).
  • the electronic receipt issuing server 100 checks the subscriber DB and checks whether the electronic receipt is issued or not and transmits the result (S324). However, this embodiment exemplifies a process of inquiring whether the payment server 300 is an e-receipt issuance subject whenever a payment request is made, but it is not necessary to query whether the payment server 300 is an e-receipt issuance subject every payment request.
  • the payment server 300 may receive subscriber information from the electronic receipt issuing server 100 at predetermined intervals and separately store the subscriber information, and use the same to identify the subject of the electronic receipt issuance.
  • the payment server 300 transmits the paper receipt not issued request message together with the payment approval message to the payment terminal 400 for the electronic receipt issuing subject (S326).
  • the payment terminal 400 when the payment terminal 400 receives the request for not issuing a paper receipt, the payment terminal 400 can control the issuance of the paper receipt by using the electronic receipt generation server 100 by not outputting the paper receipt. .
  • the payment approval message is transmitted to the mobile communication terminal 200 registered in the payment server 300 (S340).
  • the mobile communication terminal 200 receiving the payment approval message requests the issuance of the electronic receipt from the electronic receipt issuing server 100 (S342), and the electronic receipt generation server 100 receives the operator information and the payment information from the payment approval message. Extract, search for the operator in the operator DB to determine the electronic receipt issuing operators to generate the electronic receipt and transmit to the mobile communication terminal (200) (S344).
  • the electronic receipt issuing server 100 does not transmit the electronic receipt only to the mobile communication terminal 200 that has requested the issuance of the electronic receipt, but the third party's mobile communication terminal, e-mail, SNS or messenger capable of receiving the electronic receipt. It can be transmitted to the terminal 800 of various forms including a PC.
  • the mobile communication terminal 200 When receiving the electronic receipt, the mobile communication terminal 200 displays the details in the electronic receipt, displays them on the screen, receives the details inquiry command, accesses the operator server 310 of the electronic receipt issuing entity, and receives the receipt. Details can be inquired using the approval number (S350). The operator server 310 inquires the details of the electronic receipt using the received receipt approval number and transmits the details to the mobile communication terminal 200 (S352).
  • the electronic receipt issuing server 100 receives the payment approval message, the mobile communication terminal identification information and the location information from the mobile communication terminal 200 receiving the payment approval message (S400).
  • the electronic receipt issuing server 100 checks whether the electronic receipt is issued (S410), and if it is not the subject of the electronic receipt, the electronic receipt is not issued any more. If the e-receipt is issued, the payment approval message is parsed to extract the operator information and payment history information (S420), and the extracted operator information and location information are combined to search for the operator in the operator DB (S430). If it is not possible to find an operator that matches the operator information, the electronic receipt is not issued, but if the operator is found in the operator DB, the operator is determined to be an electronic receipt issuing provider (S450).
  • the electronic receipt issuing server 100 checks by checking the business classification DB whether the business is a provider providing the details (S460). If the service provider provides the details, the service provider server information is retrieved from the service provider DB (550) (S462), the electronic receipt issuing service provider is an issuer, and the electronic receipt for the customer corresponding to the mobile terminal identification information issuance target. To generate (S470).
  • the electronic receipt issuing server 100 transmits the generated electronic receipt to the terminal 800 (S480).
  • the terminal 800 may be a mobile communication terminal 200 that has received a payment approval message, but the PC which confirms the electronic receipt received by an account of an email, SNS or messenger by a third party designated as an electronic receipt recipient is a mobile communication terminal. It may be a terminal including.

Abstract

Le système d'émission de reçu électronique selon l'invention comprend un terminal de communication mobile permettant de transmettre un message de demande d'émission de reçu électronique comportant un message de demande d'abonnement du destinataire du reçu électronique, un message d'approbation de paiement, des informations d'identification et de localisation d'un terminal de communication mobile, et comprend un serveur d'émission de reçu électronique comprenant : une unité d'authentification permettant de recevoir le message de demande d'abonnement du destinataire du reçu électronique et d'authentifier si un abonnement en tant que destinataire du reçu électronique est nécessaire ; une unité de réception permettant de recevoir le message d'approbation de paiement, ainsi que les informations d'identification et de localisation du terminal de communication mobile ; une unité permettant d'extraire des informations de génération de reçu en analysant le message d'approbation de paiement reçu ; une unité de recherche/correspondance permettant de rechercher, dans une base de données de fournisseurs, un fournisseur correspondant aux informations de fournisseurs incluses dans les informations de génération de reçu et les informations de localisation et de confirmer le fournisseur recherché en tant que fournisseur d'émission de reçu électronique correspondant au message de demande d'émission de reçu électronique ; une unité de génération de reçu électronique permettant de générer un reçu électronique qui est émis par le fournisseur d'émission de reçu électronique et émis pour un client correspondant aux informations d'identification du terminal de communication mobile ; et une unité de transmission permettant de transmettre le reçu électronique généré à un terminal d'un destinataire de reçu électronique.
PCT/KR2015/014098 2015-01-06 2015-12-22 Système d'émission de reçu électronique WO2016111482A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2015-0000942 2015-01-06
KR1020150000942A KR101538745B1 (ko) 2015-01-02 2015-01-06 전자영수증 발행 시스템

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Publication Number Publication Date
WO2016111482A1 true WO2016111482A1 (fr) 2016-07-14

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090003401A (ko) * 2007-06-08 2009-01-12 한국정보통신서비스 주식회사 현금 영수증 자진발급제도를 이용한 현금 영수증 처리방법및 시스템과 이를 위한 단말장치와 프로그램 기록매체
KR20100007640A (ko) * 2008-07-14 2010-01-22 인포뱅크 주식회사 모바일 결제 시스템 및 방법
KR20110098435A (ko) * 2010-02-26 2011-09-01 지비카드 주식회사 무선 결제 장치
KR20110119964A (ko) * 2010-04-28 2011-11-03 비씨카드(주) 결제 정보 관리 방법 및 그를 위한 이동단말기
JP2013507720A (ja) * 2009-10-13 2013-03-04 スクエア インコーポレイテッド 環境情報を含む動的領収書作成のためのシステム及び方法

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090003401A (ko) * 2007-06-08 2009-01-12 한국정보통신서비스 주식회사 현금 영수증 자진발급제도를 이용한 현금 영수증 처리방법및 시스템과 이를 위한 단말장치와 프로그램 기록매체
KR20100007640A (ko) * 2008-07-14 2010-01-22 인포뱅크 주식회사 모바일 결제 시스템 및 방법
JP2013507720A (ja) * 2009-10-13 2013-03-04 スクエア インコーポレイテッド 環境情報を含む動的領収書作成のためのシステム及び方法
KR20110098435A (ko) * 2010-02-26 2011-09-01 지비카드 주식회사 무선 결제 장치
KR20110119964A (ko) * 2010-04-28 2011-11-03 비씨카드(주) 결제 정보 관리 방법 및 그를 위한 이동단말기

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