WO2012064026A2 - Method for issuing an electronic receipt - Google Patents
Method for issuing an electronic receipt Download PDFInfo
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- 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
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- payment
- electronic receipt
- server
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- customer
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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
- G06Q20/04—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.
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Abstract
The present invention relates to a method for issuing an electronic receipt, and more particularly, to a method for issuing an electronic receipt without a paper receipt, which involves transmitting an electronic receipt, including payment details or a key value corresponding to the electronic receipt information, to the mobile terminal of a customer after a product is purchased or a service is received. The method for issuing an electronic receipt according to the present invention includes: making a payment by transmitting payment detail information from the terminal of the merchant to a payment server, and requesting payment authorization when the customer purchases a product or receives a service from the merchant; transmitting payment detail information from the payment server to an operating server when the payment at the terminal of the merchant is completed by the payment server; generating and storing an electronic receipt on the basis of the payment detail information in the operating server; and confirming the electronic receipt information by transmitting the electronic receipt from the operating server to the mobile terminal of the customer and receiving said electronic receipt at the mobile terminal of the customer.
Description
본 발명은 전자영수증 발급방법에 관한 것으로서, 더욱 상세하게는 물품 구매나 서비스를 제공받은 후 고객의 이동단말로 결제내역이 포함된 전자영수증이나 전자영수증 정보에 해당하는 키값을 전송하여 종이영수증을 사용하지 않도록 하는 전자영수증 발급방법에 관한 것이다.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.
일반적으로, 구매자가 물품을 구매한 후 현금이나 신용카드 또는 NFC(Near Field Communication)를 활용한 단말(예를 들어 휴대폰이나 태블릿 PC) 등으로 대금 결제를 하는 경우에, 구입 연월일, 구입품목, 구입수, 구입금액 등의 결제내역이 기재된 종이영수증을 판매점에서는 출력하고, 구매자는 이를 수령하여 결제내역이 적절한가 확인하고, 보관하며 향후 구매품에 대해 환불하기 위해서는 종이영수증을 제시해야 한다.Generally, when 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 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.
또한, 서비스를 제공받은 경우에도 서비스를 받은 후 현금이나 신용카드로 대금 결제를 하는 바, 서비스 제공 연월일, 서비스 품목, 금액 등의 결제내역이 기재된 종이영수증을 서비스 제공점에서는 출력하고, 서비스 피제공자는 이를 수령하여 결제내역이 적절한가 확인하고, 보관하며 향후 제공받은 서비스에 대해 환불하기 위해서는 종이영수증을 제시해야 한다.In addition, even if the service is provided, payment is made by cash or credit card after receiving the service. 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.
현재, 구매자나 서비스 피제공자는 모든 구매행위나 서비스를 제공받은 후에 일정기간 동안 종이영수증을 확인 후 정리/보관하여야 하는 불편을 느끼기 때문에, 가계부를 작성하거나 향후 교환/환불을 요청할 사안이 아닌 경우 상당수의 구매자나 서비스 피제공자들은 종이영수증을 받고 확인 후 곧바로 쓰레기로 버린다.At present, 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.
이러한 종이영수증 출력, 보관, 폐기 등과 관련한 매우 보편적인 현재의 상황은 종이영수증 출력으로 인해 소비되는 중요한 지구자원(나무)의 무의미한 낭비뿐만 아니라, 발생한 종이영수증 쓰레기의 처리(소각)에 필요한 지구자원의 추가적 사용과 이로 인해 지구환경에 피해를 주는 온실가스(CO2 포함)를 추가로 발생시키는 다중적 환경 문제점을 발생한다.A very common current situation regarding the printing, storage and disposal of paper receipts is not only the meaningless waste of important earth resources (trees) consumed by paper receipts, but also the earth resources required for the disposal (incineration) of paper receipt waste generated. There are multiple environmental problems that result in additional uses and additional greenhouse gases (including CO 2 ) that are damaging to the global environment.
또한, 판매점이나 서비스 제공점에서의 종이영수증 출력에는 일정한 시간이 소요되어 구매자나 서비스 피제공자들에게 서비스하는데 필요한 소중한 시간이 무의미하게 낭비되고 있는 문제점이 있었다.In addition, the paper receipt output at the retailer or service provider takes a certain time, there is a problem that the valuable time required to service to the buyer or service provider is wastelessly wasted.
본 발명은 상술한 문제점을 해결하기 위하여 안출된 것으로서, 물품 구매나 서비스를 제공받은 후 고객(이하 구매자나 서비스 피제공자 포함)의 이동단말로 결제내역이 포함된 전자영수증이나 전자영수증 정보에 해당하는 키값을 전송하여 종이영수증의 출력을 억제함으로써 고객은 종이영수증을 정리/보관할 필요가 없어 편리하고, 가맹점은 종이영수증을 출력하지 않아도 되어 그만큼 종이 낭비와 환경오염의 원인이 되는 탄소 배출량을 줄이며, 종이영수증 출력시간 또한 고객 서비스에 활용할 수 있는 전자영수증 발급방법을 제공하는데 그 목적이 있다.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 By suppressing the output of paper receipts by sending key values, customers do not need to organize and store paper receipts, and merchants do not need to print paper receipts, which reduces the carbon emissions that cause paper waste and environmental pollution. The purpose of the receipt output time is to provide an electronic receipt issuance method that can be used for customer service.
또한, 본 발명이 제공하는 다른 목적은 종이영수증 대신에 전자영수증 또는 전자영수증 정보에 해당하는 키값을 전송하고 이를 활용하여 전자영수증 정보를 확인할 수 있도록 하는 양방향 통신에 의해 보안성을 향상시킬 수 있는 전자영수증 발급방법을 제공하는데 있다.In addition, 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.
또한, 본 발명이 제공하는 또 다른 목적은 종이영수증 대신에 전자영수증을 발급할 때마다 고객에게는 탄소포인트를, 가맹점에는 탄소배출 절감량을 산출하고, 이를 누적해서 소정 포인트나 절감량 이상이 되면 혜택이 돌아가도록 하여 흥미를 유도함으로써 가맹점과 고객 모두에게 전자영수증 발행을 장려할 수 있는 전자영수증 발급방법을 제공하는데 있다.In addition, 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.
그리고 본 발명이 제공하는 궁극적 목적은 구매자와 가맹점 모두 전 세계적 및 국가적 차원에서 현재 강력히 추진하고 있는 녹색성장을 실질적으로 실천할 수 있는 친환경적 활동의 구현이다.In addition, 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.
즉, 더 많은 구매자나 서비스 피제공자들이 모든 구매행위나 서비스를 제공받을 때마다 현재의 종이영수증 발급 대신에 전자영수증 발급을 요청하여 구매자나 서비스 피제공자 스스로 친환경적 구매행위를 실천할 수 있도록 구매자나 서비스 피제공자에게는 종이영수증 발급 억제를 통해 발생하는 탄소배출 절감량을 탄소포인트로 제공하여 누적 탄소포인트를 특정한 혜택(예: 인터넷 구매시 현금으로 활용 등)으로 사용할 수 있도록 하고, 가맹점 또한 종이영수증 출력을 억제함으로써 절감시킨 누적 탄소배출량을 향후 탄소배출거래소를 통해서 활용할 수 있도록 하거나 포털서비스를 통해 활용하게 하여 구매자나 서비스 피제공자와 가맹점 모두에게 적극적이고, 현실적으로 국가적 차원에서 추진하는 녹색성장 정책에 참여할 수 있는 환경을 제공하는데 있다.That is, whenever more buyers or service providers receive all purchases or services, they can request electronic receipts instead of current paper receipts so that buyers or service providers can practice eco-friendly purchases themselves. 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.
그리고 전자영수증 정보 외에 추가로 관련 광고와 각종 할인쿠폰을 제공하여 가맹점 매출 증대에도 도움을 주어 전자영수증 사용이 가맹점들에도 적극 도입할 수 있도록 한다.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.
상술한 목적을 달성하기 위한 본 발명의 제1실시예에 따른 전자영수증 발급방법은, 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 결제서버에 결제내역 정보를 전송하고 결제승인을 요청하여 결제를 수행하는 단계와, 상기 결제서버에서 가맹점 단말의 결제가 완료된 경우 결제내역 정보를 운영서버에 전송하는 단계와, 상기 운영서버에서 결제내역 정보를 토대로 전자영수증을 생성하고 저장하는 단계 및 상기 운영서버에서 전자영수증을 고객 이동단말에 전송하고 고객 이동단말에서 이를 수신하여 전자영수증 정보를 확인하는 단계를 포함하여 구성된다.Electronic receipt issuance method according to the first embodiment of the present invention 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.
또한, 본 발명의 제2실시예에 따른 전자영수증 발급방법은, 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 결제서버에 결제내역 정보를 전송하고 결제승인을 요청하여 결제를 수행하는 단계와, 상기 결제서버에서 가맹점 단말의 결제가 완료된 경우 결제내역 정보를 운영서버에 전송하는 단계와, 상기 운영서버에서 결제내역 정보를 토대로 전자영수증을 생성하고 저장하는 단계와, 상기 운영서버에서 전자영수증 정보에 해당하는 키값을 생성하고 저장하는 단계와, 상기 운영서버에서 키값을 문자메시지에 포함시켜 문자메시지를 고객 이동단말에 전송하는 단계 및 상기 고객 이동단말에서 문자메시지를 수신하고 문자메시지에 포함된 키값으로 전자영수증 정보를 확인하는 단계를 포함하여 구성된다.In addition, the electronic receipt issuing method according to the second embodiment of the present invention, 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. Performing 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.
또한, 본 발명의 제3실시예에 따른 전자영수증 발급방법은, 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 결제서버에 결제내역 정보를 전송하고 결제승인을 요청하여 결제를 수행하는 단계와, 상기 결제서버에서 가맹점 단말의 결제가 완료된 경우 결제내역 정보를 운영서버에 전송하는 단계와, 상기 운영서버에서 결제내역 정보를 토대로 전자영수증을 생성하고 저장하는 단계와, 상기 운영서버에서 전자영수증 정보에 해당하는 키값을 문자와 숫자의 조합으로 생성하고 저장하는 단계와, 상기 운영서버에서 키값을 푸시 데이터(push data)로 고객 이동단말에 전송하는 단계 및 상기 고객 이동단말에서 푸시 데이터를 수신하고 키값으로 전자영수증 정보를 확인하는 단계를 포함하여 구성된다.In addition, the electronic receipt issuing method according to the third embodiment of the present invention, 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 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. And receiving the electronic receipt information as a key value.
또한, 본 발명의 제4실시예에 따른 전자영수증 발급방법은, 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 결제서버에 결제내역 정보를 전송하고 결제승인을 요청하여 결제를 수행하는 단계와, 상기 결제서버에서 가맹점 단말의 결제가 완료된 경우 전자영수증 발급에 필요한 인증을 인증서버에 요청하는 단계와, 상기 인증서버에서 인증을 수행하고, 결제 건 별로 개별 인증번호를 생성하는 단계와, 상기 인증서버에서 인증번호를 결제서버에 전송하는 한편, 인증번호를 포함한 전자영수증 발급안내 데이터를 해당 고객 이동단말로 전송하는 단계와, 상기 해당 고객 이동단말에서 전자영수증을 발급할 건이 있음을 확인하고, 결제서버에 인증번호를 송신하면서 전자영수증 발급을 요청하는 단계와, 상기 결제서버에서 수신된 인증번호를 활용하여 전자영수증 발급 고객인지를 인증하고, 결제내역에 대한 전자영수증을 생성하여 저장하는 단계, 상기 결제서버에서 전자영수증을 고객 이동단말에 전송하고 고객 이동단말에서 이를 수신하여 전자영수증 정보를 확인하는 단계를 포함하여 구성된다.In addition, the electronic receipt issuing method according to the fourth embodiment of the present invention, 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. Checking and sending an authentication number to a payment server, requesting issuance of an electronic receipt, and the payment server Authenticating the electronic receipt issued customer using the received authentication number, generating and storing the electronic receipt for payment history, transmitting the electronic receipt from the payment server to the customer mobile terminal and receiving it from the customer mobile terminal. And confirming the electronic receipt information.
상술한 과제의 해결 수단에 의하면, 물품 구매나 서비스를 제공받은 후 고객은 이동단말로 결제내역이 포함된 전자영수증이나 전자영수증 정보에 해당하는 키값을 전송받아 종이영수증을 사용하지 않음으로써 고객은 종이영수증을 정리/보관할 필요가 없어 편리하고, 가맹점은 종이영수증을 출력하지 않아도 되어 그만큼 종이 낭비와 환경오염의 원인이 되는 탄소배출량을 줄이고, 종이영수증 출력에 소요되는 시간적 낭비도 줄일 수 있다.According to the solution to the above-described problems, 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.
또한, 본 발명에 의하면, 종이영수증 대신에 전자영수증을 발급할 때마다 고객에게는 탄소포인트를, 가맹점에는 탄소배출 절감량을 산출하고, 이를 누적해서 소정 포인트나 절감량 이상이 되면 혜택이 돌아가도록 유도하며 광고와 할인쿠폰 등을 제공으로써 가맹점과 고객 모두에게 전자영수증 발행을 장려하여 전자영수증 사용을 활성화할 수 있다.In addition, according to the present invention, every time an electronic receipt is issued instead of a paper receipt, 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. By providing coupons and discount coupons, it is possible to encourage the use of electronic receipts by encouraging issuance of electronic receipts to both merchants and customers.
그리고 본 발명에 의하면 종이영수증 대신에 전자영수증 정보 또는 해당하는 키값을 전송하고 이 키값으로 전자영수증 정보를 확인할 수 있도록 하는 양방향 통신에 의해 보안성을 향상시킬 수 있다.According to the present invention, 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.
도 1은 본 발명의 일 실시예에 따른 전자영수증 발급시스템의 구성도이다.1 is a block diagram of an electronic receipt issuing system according to an embodiment of the present invention.
도 2는 도 1에 나타낸 운영서버의 구성도이다.2 is a configuration diagram of an operation server shown in FIG. 1.
도 3은 본 발명의 제1실시예에 따른 전자영수증 발급방법의 순서도이다.3 is a flowchart of a method for issuing an electronic receipt according to a first embodiment of the present invention.
도 4는 본 발명의 제2실시예에 따른 전자영수증 발급방법의 순서도이다.4 is a flowchart illustrating a method for issuing an electronic receipt according to a second embodiment of the present invention.
도 5는 본 발명의 제3실시예에 따른 전자영수증 발급방법의 순서도이다.5 is a flowchart illustrating a method for issuing an electronic receipt according to a third embodiment of the present invention.
도 6은 본 발명의 다른 실시예에 따른 전자영수증 발급시스템의 구성도이다.6 is a block diagram of an electronic receipt issuing system according to another embodiment of the present invention.
도 7은 도 6에 나타낸 인증서버의 구성도이다.7 is a configuration diagram of the authentication server shown in FIG.
도 8은 본 발명의 제4실시예에 따른 전자영수증 발급방법의 순서도이다.8 is a flowchart illustrating a method for issuing an electronic receipt according to a fourth embodiment of the present invention.
이하 본 발명의 실시예에 대하여 첨부된 도면을 참고로 그 구성 및 작용을 설명하기로 한다.Hereinafter, the configuration and operation of the present invention will be described with reference to the accompanying drawings.
도 1은 본 발명의 일 실시예에 따른 전자영수증 발급시스템의 구성도이다.1 is a block diagram of an electronic receipt issuing system according to an embodiment of the present invention.
도시된 바와 같이 운영서버(10), 결제서버(20), 가맹점 단말(30a,…,30n), 고객 이동단말(40a,…,40n) 및 고객 PC(50a,…,50n)를 포함하여 구성된다.As shown, 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.
가맹점 단말(30a,…,30n)은 물품을 판매하거나 서비스를 제공하는 적어도 하나 이상의 가맹점에 구비되는 신용카드, 현금 결제처리 단말 또는 NFC(Near Field Communication) 활용 결제처리 단말 등 요금의 결제처리를 위한 결제 단말로서, 대형 가맹점의 POS 단말이거나 소형 가맹점의 판매 단말일 수도 있다.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.
상기 가맹점은 운영서버(10)와의 업무협약에 의해 회원으로 가입하여 운영서버(10)의 전자영수증 발급에 동의한 대형 회사에 소속된 각 지점(체인점)일 수도 있고, 또는 독자적으로 운영서버(10)에 회원으로 가입하여 전자영수증 발급에 동의한 개별 지점(체인점)이나 독립적으로 운영하는 판매점이나 서비스 제공점일 수도 있다.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. ) May be an individual branch (chain store) or an independently operated retailer or service provider that has signed up as a member and agreed to issue an electronic receipt.
고객 이동단말(40a,…,40n)은 가맹점에서 물품을 구매하거나 서비스를 제공받고 상기 운영서버(10)에 회원으로 가입한 고객이 소유하는 단말로서, 운영서버(10)에서 전송하는 푸시 데이터(push data, 전자영수증), 푸시 데이터(키(Key)값), 키값을 포함하는 문자메시지 중 어느 하나를 전송받는다.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.
상기 고객 이동단말(40a,…,40n)은 이동통신의 중계기나 WiFi의 무선AP를 통해 운영서버(10)에서 전송하는 각종 정보를 수신받고 또한 이를 통해 전자영수증 정보를 확인하는 예를 들어 휴대가 가능한 이동형 장비로, 휴대폰(스마트폰 포함), 태블릿 PC, PDA 등을 포함하는 개념이다.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.
상기 고객 이동단말(40a,…,40n)은 앱(App)이 지원되는 고객 이동단말과 지원되지 않은 고객 이동단말로 나뉠 수 있는 바, 앱이 지원되는 고객 이동단말에는 문자메시지나 푸시 데이터(전자영수증 또는 키값)를 감지하고, 전자영수증 정보(전자영수증을 그대로 수신 또는 키값을 사용하여 수신)를 보여주거나 관리하는 앱이 탑재된다.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).
이에 의해 앱이 지원되는 고객 이동단말은 키값(푸시 데이터)이나 키값을 포함하는 문자메시지가 송신된 경우 키값과 문자메시지를 저장하며, 이때 앱이 키값에 해당하는 전자영수증 정보를 생성하여 화면에 출력한다.As a result, 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.
또한, 앱이 지원되지 않는 고객 이동단말은 키값이나 키값을 포함하는 문자메시지가 송신된 경우 키값과 문자메시지를 저장하며, 화면에 표시된 키값이 선택되는 경우에 이 키값으로 운영서버(10)에 접속하고 이를 통해 키값에 해당하는 전자영수증 정보를 요청함으로써 운영서버(10)에 저장된 전자영수증 정보를 확인한다.In addition, 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.
결제서버(20)는 가맹점 단말(30a,…,30n)에서 물품 구매나 서비스 제공에 따른 결제정보에 대한 승인을 요청하는 경우 승인을 수행하는 서버로서, 대형 매장에 구비되는 POS 서버, VAN사 서버, 신용카드사 서버, 현금결제 서버를 포함하는 개념이다.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.
결제서버(20)는 상기 운영서버(10)와의 업무 협약에 의해 결제승인이 완료된 경우에 한해 운영서버(10)에 전자영수증 생성에 필요한 결제내역을 전송하되, 상기 운영서버(10)는 독자적으로 운영할 수도 있고, 결제서버(20)에서 운영할 수도 있다.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.
전자영수증 발급시스템을 운영하는 운영서버(10)는 소프트웨어(software) 또는 펌 웨어(firmware)의 형태로 프로그래밍 되어 일련의 전자영수증을 발급하게 되는 데, 상기 결제서버(20)에서 보내온 결제내역을 토대로 전자영수증과 그 전자영수증에 해당하는 키값을 생성하여, 3 가지 방식 즉, 푸시 데이터(전자영수증), 푸시 데이터(키값), 문자메시지 방식으로 전자영수증 정보를 고객 이동단말(40a,…,40n)에 전송한다.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.
푸시 데이터(전자영수증) 방식은 전자영수증 정보를 직접 고객 이동단말(40a,…,40n)에 전송하는 방식으로 고객이 고객 이동단말(40a,…,40n)을 통해 바로 전자영수증 정보를 확인한다.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.
푸시 데이터(키값) 방식은 키값을 고객 이동단말(40a,…,40n)에 데이터로 푸시하는 방식이고, 문자메시지 방식은 문자메시지에 키값을 포함시켜 SMS 방식으로 전송하는 방식으로, 이 키값을 사용해 전자영수증 정보를 확인한다.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.
고객은 고객 PC(50a,…,50n)를 이용해 인터넷을 통해 운영서버(10)에 접속하여 고객 정보 또는 상기 키값으로 전자영수증 정보 및 탄소포인트 정보를 확인할 수 있음은 물론이다.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).
또한, 고객은 고객 이동단말(40a,…,40n)과 고객PC(50a,…,50n)를 통해 전자영수증 정보 수신시 광고와 할인쿠폰 등을 제공받을 수 있다.In addition, 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.
또한, 운영서버(10)는 프로그래밍에 의해 전자영수증 정보를 토대로 고객별로 일련의 가계부를 작성 관리하거나 연계시켜 주며, 고객은 고객 PC(50a,,50n)나 고객 이동단말(40a,,40n)을 이용해 운영서버(10) 또는 별도 가계부 서비스 제공서버에 접속하여 이 가계부 정보를 수정/추가할 수 있다.In addition, 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.
도 2는 도 1에 나타낸 운영서버의 구성도이다.2 is a configuration diagram of an operation server shown in FIG. 1.
도시된 바와 같이 운영서버(10)는 제어부(101), 통신모듈(102), 전자영수증 모듈(103), 전자서명 모듈(104), 키값 모듈(105), 가계부 모듈(106), 탄소포인트 모듈(107) 및 회원관리 모듈(108)을 구비하고, 고객 DB(111), 가맹점 DB(112), 전자영수증 DB(113), 가계부 DB(114)를 운영 관리한다.As shown, 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.
제어부(101)는 고객이 구매한 물품이나 제공받은 서비스의 결제내역 정보를 포함하는 전자영수증과, 그 전자영수증을 확인하는 전자서명 및 그 전자영수증에 해당하는 키값과, 전자영수증 발급에 따른 탄소포인트 및 탄소배출 절감량을 생성하고, 생성된 전자영수증과 탄소포인트 또는 키값을 고객 이동단말(40a,…,40n)에 전송하며, 가계부를 작성 관리하도록 각 구성부를 전반적으로 생성한다.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.
통신모듈(102)은 운영서버(10)를 고객 이동단말(40a,…,40n)과, 고객 PC(50a,…,50n)와 결제서버(20)에 연결하는 모듈로 운영서버(10)에 접속한 고객 이동단말(40a,…,40n)이나 고객 PC(50a,…,50n)로부터 입력되는 명령이나 정보를 수신하고, 전자영수증 정보(개별 또는 누적 탄소포인트 포함)를 고객 이동단말(40a,…,40n)에 전송한다.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).
즉, 통신모듈(102)은 전자영수증 정보에 해당하는 키값만을 푸시 데이터로 고객 이동단말(40a,…,40n)에 전송하기도 하고, 키값이 포함된 문자메시지를 전송하기도 하고, 또는 전자영수증 자체를 고객 이동단말(40a,…,40n)에 전송하기도 한다.That is, 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.
또한, 통신모듈(102)은 결제서버(20)로부터 결제내역 정보를 수신받고, 가맹점별 탄소배출 절감량(개별, 누적)을 가맹점 단말(30a,…,30n)에 전송한다.In addition, 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).
회원관리 모듈(108)은 회원 즉, 고객과 가맹점의 신규 회원가입, 탈퇴, 회원정보 변경 등의 기능을 수행하며, 로그인을 수행한다.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.
상기 회원관리 모듈(108)은 고객이나 가맹점의 신규 회원가입시 각종 정보(회원명, 주소, 전화번호(이동단말 전화번호), 이메일 주소, 주민번호(사업자 등록번호), 주민번호, ID, 패스워드 등 영수증 수령이 가능한 정도의 정보)를 입력하게 하여 고객 DB(111)와 가맹점 DB(112)에 저장하고, 회원 정보가 변경되는 경우에는 변경된 회원 정보를 고객 DB(111)와 가맹점 DB(112)에 저장한다.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.
탄소포인트 모듈(107)은 통신모듈(102)을 통해 상기 결제서버(20)에서 전송된 결제내역 정보를 토대로 고객별로 탄소포인트(또는 그린 마일리지)를 산출하여 누적하되 이를 고객 DB(111)나 전자영수증 DB(113)에 저장한다.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).
또한, 탄소포인트 모듈(107)은 통신모듈(102)을 통해 상기 결제서버(20)에서 전송된 결제내역 정보를 토대로 가맹점으로 탄소배출 절감량(또는 그린 마일리지)을 산출하여 누적하되, 이를 가맹점 DB(112)에 저장한다.In addition, 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).
이때 탄소포인트 모듈(107)은 결제금액의 많고 적음에 따라 탄소포인트나 탄소배출 절감량을 산출하지 않고, 전자영수증을 발행함으로써 절약되는 종이의 양에 비례하게 탄소포인트나 탄소배출 절감량을 산출한다.At this time, 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.
예를 들어 결제금액에 관계없이 결제품목이 많아 종이를 많이 절약할 수 있으면 탄소포인트나 탄소배출 절감량을 많이 산출한다.For example, if there are a lot of finished products regardless of the payment amount, and a lot of paper can be saved, a lot of carbon point or carbon emission reduction is calculated.
이 탄소포인트나 탄소배출 절감량이 소정의 포인트나 절감량 이상이 되면 고객이나 가맹점에 다양한 혜택이 돌아가도록 한다.When the carbon point or carbon emission reduction amount exceeds a predetermined point or the reduction amount, various benefits are returned to the customer or the merchant.
예를 들어 고객의 탄소포인트가 소정의 포인트를 넘으면 현금으로 사용할 수 있도록 하고, 가맹점의 탄소배출 절감량이 소정의 절감량을 넘으면 수수료를 감해준다.For example, if the customer's carbon point exceeds a predetermined point, the cash can be used. If the carbon emission reduction amount of the merchant exceeds the predetermined amount, the commission is reduced.
전자서명 모듈(104)은 전자영수증의 진위 여부를 확인할 수 있도록 전자서명을 수행하고, 이 전자서명된 전자영수증을 전송받은 고객 이동단말(40a,…,40n)은 전자영수증에 포함된 전자서명을 보고 전자영수증의 진위를 확인한다.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.
전자영수증 모듈(103)은 상기 결제내역 정보와 탄소포인트 또는 그린 마일리지 등(개별, 누적)을 토대로 전자영수증을 고객별로 생성하고, 이 전자영수증 정보를 전자영수증 DB(113)에 저장한다.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.
키값 모듈(105)은 상기 전자영수증 정보에 해당하는 키값을 문자와 숫자의 조합으로 생성하고, 이 키값 정보를 상기한 전자영수증 정보와 함께 전자영수증 DB(113)에 저장한다.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.
가계부 모듈(106)은 가계부 DB(114)에 저장된 가계부 정보를 불러와 상기 결제서버(20)에서 보내온 결제내역 정보를 토대로 품목군별로 가계부를 작성하고 이를 가계부 DB(114)에 저장하거나 외부 가계부 서비스 제공서버와 연동한다.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.
도 3은 본 발명의 제1실시예에 따른 전자영수증 발급방법의 순서도로서, 운영서버에서 전자영수증을 직접 고객 이동단말에 전송하는 경우의 순서도이다.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.
도시된 바와 같이 고객이 물품을 구매하거나 서비스를 제공받은 후 가맹점 단말(30a,…,30n)에서 신용카드나 현금으로 결제를 하게 되는데, 이때 가맹점 단말(30a,…,30n)은 결제서버(20)에 결제내역 정보를 전송하고 결제승인을 요청하는 통상적인 결제 절차를 수행한다.As shown, after the customer purchases the goods or receives the service, 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.
여기서 결제내역 정보에는 영수증을 수령할 개인이나 고객 이동단말(40a,…,40n)에 대한 개인식별 정보가 포함되며, 개인식별 정보는 신용카드번호 또는 멤버십카드번호 또는 전화번호 또는 별도로 부여받은 고유ID 등 개인이나 고객 이동단말이 구분가능한 고유값으로, 바코드 형태로 스마트폰 앱에 나타난 것을 가맹점단말(30a,…,30n)에서 바코드 리더기로 읽어들일 수도 있고 가맹점단말(30a,…,30n)을 통해 얻을 수도 있으며 고객이 해당 정보를 구술로 알려줄 수도 있는 것으로, 이하 해당 정보를 개인식별 정보로 통칭한다.Here, 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.
상기 결제서버(20)에서 결제를 승인한 경우 가맹점 단말(30a,…,30n)에서 결제를 수행하고(S302), 결제서버(20)는 결제가 완료된 후 결제가 완료된 결제내역 정보를 전자영수증 발급시스템을 운영하는 운영서버(10)에 전송한다(S304).When 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).
이때 상기 결제내역 정보에는 신용카드로 결제를 하는 경우에 카드종류, 카드번호, 카드유효기간의 지불정보, 지불정보에 대한 승인번호 등을 포함하는 결제고객정보와, 가맹점명, 가맹점번호, 가맹점주소, 전화번호, 사업자 등록번호 등의 결제가맹점정보와, 물품명, 수량, 금액, 거래날짜 등의 거래관련 정보와, 개인 식별을 위한 개인식별 정보를 포함하며, 이때 신용카드 기능을 가진 NFC 활용 결제처리 단말의 경우에도 신용카드에 준해서 처리된다.In this case, 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.In this case, NFC-based payment processing terminal with credit card function In this case, the credit card will be processed.
그리고 현금으로 결제를 하는 경우에는 개인식별이 가능한 멤버십카드 또는 현금영수증 카드번호나 전화번호 등의 개인식별 정보가 결제고객정보에 포함된다.In case of payment by cash, 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.
운영서버(10)는 상기 결제내역 정보에 포함된 결제고객정보(예를 들어 신용카드나 현금영수증 카드의 번호, 전화번호 등의 개인식별 정보)를 토대로 고객 DB(111)를 검색하여 해당 고객을 확인하고, 결제내역 정보에 포함된 결제가맹점정보(예를 들어, 가맹점 번호, 전화번호, 사업자등록번호, 고유ID 등)를 토대로 가맹점 DB(112)를 검색하여 해당 가맹점을 확인한다.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. Check and check the merchant DB 112 based on the payment merchant information (for example, merchant number, phone number, business registration number, unique ID, etc.) included in the payment history information.
운영서버(10)는 해당 고객과 가맹점이 있는 경우에 전자영수증의 진위를 입증할 수 있도록 전자서명을 수행하고(S306), 결제내역 정보중 거래정보를 토대로 고객별 탄소포인트를 산출하고 이를 기존의 탄소포인트와 합산하여 누적하며 이를 고객 DB(111)에 저장한다(S308).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).
여기서 전자서명은 필요 시에 생략되거나 다른 기술로 대체될 수도 있다.Herein, the electronic signature may be omitted or replaced by another technique if necessary.
이때 운영서버(10)는 고객별 탄소포인트를 산출한 뿐만 아니라 가맹점에도 탄소배출 절감량을 산출하되, 결제금액에 비례하게 탄소포인트나 탄소배출 절감량을 산출하지 않고 전자영수증을 발급함으로써 감소할 종이의 양에 비례하게 탄소포인트나 탄소배출 절감량을 산출한다.At this time, 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
계속하여 운영서버는 상기 결제내역 정보와 탄소포인트를 토대로 전자영수증을 생성하고 이를 고객별로 전자영수증 DB(113)에 저장한다(S310).Subsequently, 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).
또한, 운영서버(10)는 상기 결제내역 정보를 토대로 기존에 작성된 가계부를 가계부 DB(114)에서 불러와 품목군별로 새로 작성하고 이를 다시 가계부 DB(114)에 저장한다.In addition, 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.
그리고 운영서버(10)에서 이 전자영수증을 고객 이동단말(40a,…,40n)로 전송하면, 고객 이동단말(40a,…,40n)에서는 이 전자영수증 정보를 저장하고 거래내역과 개별 및 누적 탄소포인트를 확인한다.When the electronic server receives the electronic receipt from the operation server 10 to the customer mobile terminals 40a, 40n, the mobile terminal 40a, 40n stores the electronic receipt information and stores transaction details and individual and cumulative carbon. Check the points.
이때 전자영수증 외에 관련 광고와 할인 쿠폰 등이 연계되어 제공될 수 있다.In this case, in addition to the electronic receipt, related advertisements and discount coupons may be provided in association.
또한, 운영서버(10)는 해당 가맹점에서 전자영수증을 발급함으로써 종이를 사용하지 않는 만큼의 탄소배출 절감량을 확인(전송, 조회 등)할 수 있도록 한다.In addition, by operating the server 10 issuing an electronic receipt from the merchant to check the amount of carbon emissions reduction as much as not using paper (transmission, inquiry, etc.).
상기 가맹점 단말(30a,…,30n)에서 결제서버(20)에 결제내역 정보를 전송하기 이전에 전자영수증 사용자 등록여부 확인 절차를 더 수행하여 전자영수증 사용자 등록이 된 경우에만 상기한 단계를 수행할 수도 있다.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.
즉, 고객 이동단말(40a,…,40n)이나 고객 PC(50a,…,50n)에서 운영서버(10)에 접속해서 카드번호나 전화번호의 개인식별 정보를 입력하여 전자영수증 발급회원으로 가입한 후, 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말(30a,…,30n)에서 운영서버(10)에 개인식별 정보(카드번호나 전화번호)를 전송해서 전자영수증 발급회원인지 요청하여, 상기 운영서버(10)에서 개인식별 정보로 전자영수증 발급회원인지 아닌지를 확인해서 가맹점 단말(30a,…,30n)에 통보하는 절차를 수행할 수 있다.That is, the customer mobile terminal (40a, ..., 40n) or the customer PC (50a, ..., 50n) connected to the operation server 10 to enter the personal identification information of the card number or phone number to register as an electronic receipt issuing member After that, when the customer purchases the goods through the merchant or receives the service, 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 By requesting, 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.
상기 전자영수증 사용자 등록여부 확인 절차에서 개인식별 정보로 개인식별키를 이용할 수도 있는 바, 상기 운영서버(10)는 전자영수증 발급회원으로 가입시 개인식별키로 바코드나 QR코드를 개인별로 생성해서 고객 이동단말(40a,…,40n)에 전송하고 자체 저장한다.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.
고객 이동단말(40a,…,40n)은 계산시에 개인식별키로 이 바코드나 QR코드를 제시하고, 가맹점 단말(30a,…,30n)은 고객 이동단말(40a,…,40n)의 바코드나 QR코드를 읽어 운영서버(10)에 전송함으로써 전자영수증 발급회원인지 요청하며, 운영서버(10)는 상기 개인식별키로 전자영수증 발급회원인지 아닌지를 확인해서 가맹점 단말(30a,…,30n)에 통보한다.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. Read the code and send it to the operation server 10 requesting whether the electronic receipt issuing member, the operation server 10 checks whether or not the electronic receipt issuing member with the personal identification key and notifies the merchant terminal (30a, ..., 30n). .
그리고 상기 가맹점 단말(30a,…,30n)이 NFC 활용 결제처리 단말인 경우 가맹점 단말(30a,…,30n)에서 고객 이동단말(40a,…,40n)에 전자영수증 정보를 전송하고, 운영서버(10)에서 상기 고객 이동단말(40a,…,40n)로부터 전자영수증 정보를 제공받을 수도 있다.And when the affiliated store terminal (30a, ..., 30n) is NFC-based payment processing terminal, 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.
도 4는 본 발명의 제2실시예에 따른 전자영수증 발급방법의 순서도로서, 운영서버에서 전자영수증 정보에 해당하는 키값을 문자메시지에 포함시켜 직접 고객 이동단말에 전송하는 경우의 순서도이다.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.
도시된 바와 같이 고객이 물품을 구매하거나 서비스를 제공받은 후 가맹점 단말(30a,…,30n)에서 신용카드나 현금으로 결제를 하게 되는데, 이때 가맹점 단말(30a,…,30n)은 결제서버(20)에 결제내역 정보를 전송하고 결제승인을 요청하는 통상적인 결제 절차를 수행한다.As shown, after the customer purchases the goods or receives the service, 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.
상기 결제서버(20)에서 결제를 승인한 경우 가맹점 단말(30a,…,30n)에서 결제를 수행하고(S402), 결제서버(20)는 결제가 완료된 후 결제가 완료된 결제내역 정보를 전자영수증 발급시스템을 운영하는 운영서버(10)에 전송한다(S404).If 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).
이때 상기 결제내역 정보에는 신용카드로 결제를 하는 경우에 카드종류, 카드번호, 카드유효기간의 지불정보, 지불정보에 대한 승인번호 등을 포함하는 결제고객정보와, 가맹점명, 가맹점번호, 가맹점주소, 전화번호, 사업자 등록번호 등의 결제가맹점정보와, 물품명, 수량, 금액, 거래날짜 등의 거래관련 정보와, 개인 식별을 위한 개인식별 정보를 포함하며, 이때 신용카드 기능을 가진 NFC 활용 결제처리 단말의 경우에도 신용카드에 준해서 처리된다.In this case, 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.In this case, NFC-based payment processing terminal with credit card function In this case, the credit card will be processed.
그리고 현금으로 결제를 하는 경우에는 개인식별이 가능한 멤버십카드 또는 현금영수증 카드번호나 전화번호 등의 개인식별 정보가 결제고객정보에 포함된다.In case of payment by cash, 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.
운영서버(10)는 상기 결제내역 정보에 포함된 결제고객정보(예를 들어 신용카드나 현금영수증 카드의 번호, 고유ID 등의 개인식별 정보)를 토대로 고객 DB(111)를 검색하여 해당 고객을 확인하고, 결제내역 정보에 포함된 결제가맹점정보(예를 들어, 가맹점 번호, 전화번호, 사업자등록번호)를 토대로 가맹점 DB(112)를 검색하여 해당 가맹점을 확인한다.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. Check and check the merchant DB 112 based on the payment merchant information (for example, merchant number, phone number, business registration number) included in the payment history information.
운영서버(10)는 해당 고객과 가맹점이 있는 경우에 전자영수증의 진위를 입증할 수 있도록 전자서명을 수행하고(S406), 결제내역 정보중 거래정보를 토대로 고객별 탄소포인트를 산출하고 이를 기존의 탄소포인트와 합산하여 누적하며 이를 고객 DB(111)에 저장한다(S408).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).
여기서 전자서명은 필요시 생략되거나 다른 기술로 대체될 수도 있다.Herein, the electronic signature may be omitted or replaced by another technique if necessary.
이때 운영서버(10)는 고객별 탄소포인트를 산출한 뿐만 아니라 가맹점에도 탄소배출 절감량을 산출하되, 결제금액에 비례하게 탄소포인트나 탄소배출 절감량을 산출하지 않고 전자영수증을 발급함으로써 감소할 종이의 양에 비례하게 탄소포인트나 탄소배출 절감량을 산출한다.At this time, 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
계속하여 운영서버(10)는 상기 결제내역 정보와 탄소포인트를 토대로 전자영수증을 생성하고 이를 고객별로 전자영수증 DB(113)에 저장한다(S410).Subsequently, 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).
운영서버(10)는 탄소포인트가 포함된 전자영수증 정보에 해당하는 키값을 생성하고(S412), 이 키값을 문자메시지에 포함시켜 문자메시지를 고객 이동단말(40a,…,40n)로 전송한다(S414).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).
상기 고객 이동단말(40a,…,40n)에 앱이 탑재된 경우(S416) 앱은 문자메시지 수신을 감지하고 키값을 저장하며, 그 키값으로 전자영수증 정보를 수신하여 고객 이동단말(40a,…,40n)의 화면에 출력함으로써, 고객은 키값이 포함된 문자메시지를 이용해 거래내역과 개별 및 누적 탄소포인트를 확인하게 된다(S418).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).
또한, 관련 광고나 할인쿠폰 등을 제공받을 수도 있다.In addition, related advertisements or discount coupons may be provided.
상기 고객 이동단말(40a,…,40n)에 앱이 탑재되지 않은 경우(S416), 문자메시지를 수신 저장하고, 화면에 출력되는 문자메시지에 포함된 키값이 선택되면, 고객 이동단말(40a,…,40n)은 이 키값으로 운영서버(10)에 접속하여 키값에 해당하는 전자영수증 정보를 요청하고(S420), 운영서버(10)는 이에 응답하여 고객 이동단말(40a,…,40n)의 화면에 출력함으로써, 고객은 키값이 포함된 문자메시지를 이용해 거래내역과 개별 및 누적 탄소포인트 및 광고나 할인쿠폰 정보를 확인하게 된다(S422).When the app is not mounted on the customer mobile terminal 40a, ..., 40n (S416), when a text value is received and a key value included in the text message output on the screen is selected, the customer mobile terminal 40a, ..., 40n is selected. , 40n) accesses the operation server 10 with this key value and requests electronic receipt information corresponding to the key value (S420), and the operation server 10 responds to the screen of the customer mobile terminal 40a,..., 40n. By outputting to the customer, the customer checks transaction details and individual and cumulative carbon points and advertisement or discount coupon information using a text message containing a key value (S422).
한편, 운영서버(10)는 해당 가맹점에서 전자영수증을 발급함으로써 종이를 사용하지 않는 만큼의 탄소배출 절감량을 확인(전송, 조회 등)할 수 있도록 한다.On the other hand, 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.
또한, 제2실시예에서도 상기 가맹점 단말(30a,…,30n)에서 결제서버(20)에 결제내역 정보를 전송하기 이전에 전자영수증 사용자 등록여부 확인 절차를 더 수행하여 전자영수증 사용자 등록이 된 경우에만 상기한 단계를 수행할 수도 있는 바, 전자영수증 사용자 등록여부 확인 절차에 개인식별 정보를 이용한다.In addition, in the second embodiment, when 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.
그리고 상기 가맹점 단말(30a,…,30n)이 NFC 활용 결제처리 단말인 경우 가맹점 단말(30a,…,30n)에서 고객 이동단말(40a,…,40n)에 전자영수증 정보를 전송하고, 운영서버(10)에서 상기 고객 이동단말(40a,…,40n)로부터 전자영수증 정보를 제공받을 수도 있다.And when the affiliated store terminal (30a, ..., 30n) is NFC-based payment processing terminal, 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.
도 5는 본 발명의 제3실시예에 따른 전자영수증 발급방법의 순서도로서, 운영서버에서 전자영수증 정보에 해당하는 키값을 푸시 데이터로 고객 이동단말에 전송하는 경우의 순서도이다.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.
도시된 바와 같이 고객이 물품을 구매하거나 서비스를 제공받은 후 가맹점 단말(30a,…,30n)에서 신용카드나 현금으로 결제를 하게 되는데, 이때 가맹점 단말(30a,…,30n)은 결제서버(20)에 결제내역 정보를 전송하고 결제승인을 요청하는 통상적인 결제 절차를 수행한다.As shown, after the customer purchases the goods or receives the service, 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.
상기 결제서버(20)에서 결제를 승인한 경우 가맹점 단말(30a,…,30n)에서 결제를 수행하고(S502), 결제서버(20)는 결제가 완료된 후 결제가 완료된 결제내역 정보를 전자영수증 발급시스템을 운영하는 운영서버(10)에 전송한다(S504).If 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).
이때 상기 결제내역 정보에는 신용카드로 결제를 하는 경우에 카드종류, 카드번호, 카드유효기간의 지불정보, 지불정보에 대한 승인번호 등을 포함하는 결제고객정보와, 가맹점명, 가맹점번호, 가맹점주소, 전화번호, 사업자 등록번호 등의 결제가맹점정보와, 물품명, 수량, 금액, 거래날짜 등의 거래관련 정보와, 개인 식별을 위한 개인식별 정보를 포함하며, 이때 신용카드 기능을 가진 NFC 활용 결제처리 단말의 경우에도 신용카드에 준해서 처리된다.In this case, 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.In this case, NFC-based payment processing terminal with credit card function In this case, the credit card will be processed.
그리고 현금으로 결제를 하는 경우에는 개인식별이 가능한 멤버십카드 또는 현금영수증 카드번호나 전화번호 등의 개인식별 정보가 결제고객정보에 포함된다.In case of payment by cash, 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.
운영서버(10)는 상기 결제내역 정보에 포함된 결제고객정보(예를 들어 신용카드나 현금영수증 카드의 번호, 전화번호, 고유ID 등의 개인식별 정보)를 토대로 고객 DB(111)를 검색하여 해당 고객을 확인하고, 결제내역 정보에 포함된 결제가맹점정보(예를 들어, 가맹점 번호, 전화번호, 사업자등록번호 등)를 토대로 가맹점 DB(112)를 검색하여 해당 가맹점을 확인한다.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.
운영서버(10)는 해당 고객과 가맹점이 있는 경우에 전자영수증의 진위를 입증할 수 있도록 전자서명을 수행하고(S506), 결제내역 정보중 거래정보를 토대로 고객별 탄소포인트를 산출하고 이를 기존의 탄소포인트와 합산하여 누적하며 이를 고객 DB(111)에 저장한다(S508).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).
이때 운영서버(10)는 고객별 탄소포인트를 산출한 뿐만 아니라 가맹점에도 탄소배출 절감량을 산출하되, 결제금액에 비례하게 탄소포인트나 탄소배출 절감량을 산출하지 않고 전자영수증을 발급함으로써 감소할 종이의 양에 비례하게 탄소포인트나 탄소배출 절감량을 산출한다.At this time, 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
계속하여 운영서버(10)는 상기 결제내역 정보와 탄소포인트를 토대로 전자영수증을 생성하고 이를 고객별로 전자영수증 DB(113)에 저장한다(S510).Subsequently, 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).
운영서버(10)는 탄소포인트가 포함된 전자영수증 정보에 해당하는 키값을 생성하고(S512), 이 키값을 고객 이동단말(40a,…,40n)에 푸시 기술을 이용하여 전송한다(S514).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).
상기 고객 이동단말(40a,…,40n)에 앱이 탑재된 경우(S516) 앱은 푸시 데이터를 감지하고 키값을 저장하며, 그 키값으로 전자영수증 정보를 수신하여 고객 이동단말(40a,…,40n)의 화면에 출력함으로써, 고객은 키값을 이용해 거래내역과 개별 및 누적 탄소포인트를 확인하게 된다(S518).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).
또한, 관련 광고나 할인쿠폰 등을 제공받을 수도 있다.In addition, related advertisements or discount coupons may be provided.
물론 제3의 실시예에서도 제2의 실시예에서와 같이 S516단계에서 앱이 탑재되지 않은 경우에 거래내역과 개별 및 누적 탄소포인트를 확인할 수 있음은 물론이다.Of course, even in the third embodiment, as in the second embodiment, when the app is not mounted in step S516, transaction details and individual and cumulative carbon points can be checked.
한편, 운영서버(10)는 해당 가맹점에서 전자영수증을 발급함으로써 종이를 사용하지 않는 만큼의 탄소배출 절감량을 확인(전송, 조회)할 수 있도록 하고 있도록 하고 광고나 할인쿠폰 등을 제공할 수도 있다.On the other hand, by operating 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.
또한 제3실시예에서도 상기 가맹점 단말(30a,…,30n)에서 결제서버(20)에 결제내역 정보를 전송하기 이전에 전자영수증 사용자 등록여부 확인 절차를 더 수행하여 전자영수증 사용자 등록이 된 경우에만 상기한 단계를 수행할 수도 있는 바, 전자영수증 사용자 등록여부 확인 절차에 개인식별 정보나 개인식별키를 이용한다.In addition, in the third embodiment, 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. As described above, the personal identification information or the personal identification key may be used in the electronic receipt user registration confirmation procedure.
그리고 상기 가맹점 단말(30a,…,30n)이 NFC 활용 결제처리 단말인 경우 가맹점 단말(30a,…,30n)에서 고객 이동단말(40a,…,40n)에 전자영수증 정보를 전송하고, 운영서버(10)에서 상기 고객 이동단말(40a,…,40n)로부터 전자영수증 정보를 제공받을 수도 있다.And when the affiliated store terminal (30a, ..., 30n) is NFC-based payment processing terminal, 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.
도 6은 본 발명의 다른 실시예에 따른 전자영수증 발급시스템의 구성도이다.6 is a block diagram of an electronic receipt issuing system according to another embodiment of the present invention.
도시된 바와 같이 인증서버(60), 결제서버(20), 가맹점 단말(30a,…,30n), 고객 이동단말(40a,…,40n) 및 고객 PC(50a,…,50n)을 포함하여 구성된다.As shown, 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.
가맹점 단말(30a,…,30n)은 물품을 판매하거나 서비스를 제공하는 적어도 하나 이상의 가맹점에 구비되는 신용카드, NFC 활용 결제처리 단말 또는 현금 결제처리 단말로서, 대형 가맹점의 POS 단말이거나 소형 가맹점의 판매 단말일 수도 있다.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.
상기 가맹점은 대형 회사에 소속된 각 지점(체인점)일 수도 있고, 개별 지점(체인점)이나 독립적으로 운영하는 판매점이나 서비스 제공점일 수도 있다.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.
고객 이동단말(40a,…,40n)은 가맹점에서 물품을 구매하거나 서비스를 제공받기 위해 상기 인증서버(60)에 회원으로 가입한 고객이 소유하는 단말로서, 결제서버(20)에 전자영수증 정보를 요청하여 받고, 인증서버(60)에서 전송하는 전자영수증 발급 안내데이터(인증번호, 정보저장 위치정보, 광고정보, 할인쿠폰 등)를 전송받는다.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).
상기 고객 이동단말(40a,…,40n)은 상기 전자영수증 발급 안내데이터에 포함된 인증번호를 결제서버(20)에 전송하여 전자영수증 발급을 요청한다.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.
상기 고객 이동단말(40a,…,40n)은 이동통신의 중계기나 WiFi의 무선AP를 통해 인증서버(60)와 결제서버(20)에서 전송하는 각종 정보를 수신받고 또한 이를 통해 전자영수증 발급 안내정보와 전자영수증 정보를 확인하는 예를 들어 휴대폰, PDA 등을 포함하는 개념이다.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 For example, the concept of checking the electronic receipt information includes a mobile phone, PDA, and the like.
상기 고객 이동단말(40a,…,40n)은 앱(App)이 지원되는 고객 이동단말과 지원되지 않은 고객 이동단말로 나뉠 수 있는 바, 앱이 지원되는 고객 이동단말에는 문자메시지나 푸시 데이터를 감지하고, 키값으로 전자영수증 정보를 수신하는 앱이 탑재된다.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.
이에 의해 앱이 지원되는 고객 이동단말(40a,…,40n)은 키값(푸시 데이터, 영수증관련 인증키)이나 키값을 포함하는 문자메시지가 수신된 경우 키값과 문자메시지를 저장하며, 이때 앱이 키값에 해당하는 전자영수증 정보를 결제서버(20)로부터 수신하여 저장 및 화면에 출력한다. 또한, 앱은 관련 광고나 할인쿠폰 등을 수신받아 제공할 수도 있다.Accordingly, 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. In addition, the app may receive and provide related advertisements or discount coupons.
또한, 앱이 지원되지 않는 고객 이동단말은 키값이나 키값을 포함하는 문자메시지가 송신된 경우 키값이 포함된 문자메시지(SMS 또는 MMS)를 저장하며, 화면에 표시된 키값이 선택되는 경우에 이 키값으로 결제서버(20)에 접속하고 이를 통해 키값에 해당하는 전자영수증 정보를 요청함으로써 결제서버(20)에 저장된 전자영수증 정보를 확인한다.In addition, 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. 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.
결제서버(20)는 가맹점 단말(30a,…,30n)에서 물품 구매나 서비스 제공에 따른 결제정보에 대한 승인을 요청하는 경우 승인을 수행하는 서버로서, 대형 매장에 구비되는 POS 서버, VAN사 서버, 신용카드사 서버, 현금결제 서버를 포함하는 개념이다.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.
결제서버(20)는 상기 인증서버(60)와의 업무 협약에 의해 회원으로 가입하고, 결제승인이 완료된 경우에 한해 자체 전자영수증 발급에 동의한 서버이다.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.
상기 결제서버(20)는 인증서버(60)에서 보내온 인증번호와 고객 이동단말(40a,…,40n)에서 보내온 인증번호를 토대로 전자영수증 발급 회원인지 확인하고, 이를 토대로 전자영수증 정보를 고객 이동단말(40a,…,40n)에 전송한다.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.
또한, 결제서버(20)는 전자영수증 발급에 따른 탄소포인트(또는 그린 마일리지) 및 탄소배출 절감량(또는 그린 마일리지)을 생성하여, 전자영수증 정보에 포함시켜 고객 이동단말(40a,…,40n)에 전송한다.In addition, 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.
즉, 결제내역 정보를 토대로 고객별로 탄소포인트(또는 그린 마일리지)를 산출하여 누적하되 이를 저장한다.In other words, carbon points (or green mileage) are calculated for each customer based on the payment history information and are accumulated and stored.
또한, 결제내역 정보를 토대로 가맹점으로 탄소배출 절감량(또는 그린 마일리지)을 산출하여 누적하되 이를 저장한다.In addition, based on the payment history information to calculate the amount of carbon emissions reduction (or green mileage) to the merchant stores and stores it.
이때 결제금액의 많고 적음에 따라 탄소포인트나 탄소배출 절감량을 산출하지 않고, 전자영수증을 발행함으로써 절약되는 종이의 양에 비례하게 탄소포인트나 탄소배출 절감량을 산출한다.At this time, 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.
예를 들어 결제금액에 관계없이 결제품목이 많아 종이를 많이 절약할 수 있으면 탄소포인트나 탄소배출 절감량을 많이 산출한다.For example, if there are a lot of finished products regardless of the payment amount, and a lot of paper can be saved, a lot of carbon point or carbon emission reduction is calculated.
이 탄소포인트나 탄소배출 절감량이 소정의 포인트나 절감량 이상이 되면 고객이나 가맹점에 다양한 혜택이 돌아가도록 한다.When the carbon point or carbon emission reduction amount exceeds a predetermined point or the reduction amount, various benefits are returned to the customer or the merchant.
예를 들어 고객의 탄소포인트가 소정의 포인트를 넘으면 현금으로 사용할 수 있도록 하고, 가맹점의 탄소배출 절감량이 소정의 절감량을 넘으면 수수료를 감해준다.For example, if the customer's carbon point exceeds a predetermined point, the cash can be used. If the carbon emission reduction amount of the merchant exceeds the predetermined amount, the commission is reduced.
인증서버(60)는 소프트웨어(software) 또는 펌 웨어(firmware)의 형태로 프로그래밍 되어 일련의 전자영수증을 발급에 필요한 인증을 수행하고, 인증번호를 생성하여 인증번호를 포함하는 정보를 고객 이동단말(40a,…,40n)과 결제서버(20)에 전송한다. 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.
또한, 고객의 요청이 있는 경우 고객 이동단말(40a,…,40n)에 저장된 전자영수증 관련 정보를 인증서버(60)에 백업받아 저장함으로써 이 정보를 고객 이동단말(40a,…,40n)이나 고객 PC(50a,…,50n)에서 확인가능하도록 한다.In addition, upon request of the customer, 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.
고객은 고객 PC(50a,…,50n)를 이용해 인터넷을 통해 인증서버(60)에 접속하여 전자영수증 관련 정보를 확인할 수 있음은 물론이다.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).
도 7은 도 6에 나타낸 인증서버의 구성도이다.7 is a configuration diagram of the authentication server shown in FIG.
도시된 바와 같이 인증서버(60)는 제어부(601), 통신모듈(602), 인증모듈(604) 및 회원관리 모듈(608)을 구비하고, 고객 DB(612), 가맹점 DB(614)를 운영 관리한다.As shown, 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.
제어부(601)는 결제 건 별로 인증을 수행하여 인증번호를 생성하고, 생성된 인증번호와 탄소포인트를 결제서버(20)에 전송하며, 인증번호를 전자영수증 발급 안내데이터에 포함시켜 고객 이동단말(40a,…,40n)에 전송한다.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).
통신모듈(602)은 인증서버(60)를 고객 이동단말(40a,…,40n)과, 결제서버(20)에 연결하는 모듈이다.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.
회원관리 모듈(608)은 회원 즉, 고객과 가맹점의 신규 회원가입, 탈퇴, 회원정보 변경 등의 기능을 수행하며, 로그인을 수행한다.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.
상기 회원관리 모듈(608)은 고객의 신규 회원가입시 각종 정보(회원명, 주소, 전화번호(이동단말 전화번호), 이메일 주소, 주민번호, ID, 패스워드, 신용카드 번호, 현금영수증 카드번호 등)를 입력하게 하여 고객 DB(612)에 저장하고, 회원 정보가 변경되는 경우에는 변경된 회원 정보를 고객 DB(612)에 저장하며, 가맹점 DB(614)에는 전자영수증을 제공하기로 협약한 결제서버(20)측 업체(가맹점)의 정보를 저장한다.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).
도 8은 본 발명의 제4실시예에 따른 전자영수증 발급방법의 순서도로서, 결제서버에서 전자영수증을 직접 고객 이동단말에 전송하는 경우의 순서도이다.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.
도시된 바와 같이 고객이 물품을 구매하거나 서비스를 제공받은 후 가맹점 단말(30a,…,30n)에서 신용카드, NFC 활용 단말(예를 들어 핸드폰이나 태블릿 PC) 또는 현금으로 결제를 하게 되는데, 이때 가맹점 단말(30a,…,30n)은 결제서버(20)에 결제내역 정보(개인식별 정보를 포함하는 일반적인 결제정보)를 전송하고 결제승인을 요청하는 통상적인 결제 절차를 수행한다.As shown, after the customer purchases the goods or receives the service, 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.
상기 결제서버(20)에서 결제를 승인한 경우 가맹점 단말(30a,…,30n)에서 결제를 수행하고(S802), 결제서버(20)는 결제가 완료된 후 결제가 완료된 결제내역 건의 전자영수증 발급에 필요한 인증을 인증서버(60)에 요청한다(S804).When 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).
이때 결제서버(20)는 NFC 활용 단말 또는 신용카드, 현금으로 등으로 결제를 하는 경우에 개인식별 정보를 인증서버(60)에 전송하여 인증을 요청한다.At this time, 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.
상기 인증서버(60)는 해당 결제서버(20)가 전자영수증 정보를 제공하기로 협약된 업체인지를 가맹점 DB(614)를 활용하여 확인한다.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.
상기 인증서버(60)는 결제서버(20)에서 전송한 개인식별 정보(신용카드 번호나 현금영수증 카드번호 또는 멤버십카드 번호 또는 고유ID 등 개인식별이 가능한 정보)가 고객 DB(612)에 있는지 확인하여 인증을 수행하고, 결제 건 별로 개별 인증번호를 생성한다(S806).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).
계속하여 상기 인증서버(60)는 인증번호와 함께 개인식별 정보 또는 고객 이동단말(40a,…,40n)의 전화번호를 결제서버(20)에 전송하는 한편(S808), 인증번호를 포함한 전자영수증 발급안내 데이터를 고객 DB(612)에 저장된 해당 고객 이동단말(40a,…,40n)로 전송하며(S810), 필요에 따라 인증번호는 고객 DB(612)에 저장될 수도 있다.Subsequently, 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.
이때 전자영수증 발급안내 데이터에는 정보저장 위치정보가 포함되고 광고나 할인쿠폰 등의 정보도 포함될 수 있다.At this time, the electronic receipt issuance guide data may include information storage location information and may also include information such as advertisements or discount coupons.
상기 해당 고객 이동단말은 전자영수증 발급안내 데이터를 수신하여 전자영수증을 발급할 건이 있음을 확인하고, 결제서버(20)에 인증번호를 송신하면서 전자영수증 발급을 요청한다(S812).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).
이때 개별 고객 이동단말의 인증을 보완하기 위해 인증번호 이외에 추가적인 인증정보 예를 들어, 고객 이동단말의 단말기 고유번호, 개별 ID, 전화번호, 등의 개인식별 정보를 더 제공할 수도 있다.In this case, in order to supplement the authentication of the individual customer mobile terminal, in addition to the authentication number, 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.
결제서버(20)는 인증서버(60)에서 전송한 인증번호와 고객 이동단말(40a,…,40n)에서 전송한 인증번호를 활용하여 전자영수증 발급 고객인지를 인증한 후에, 결제내역에 대한 전자영수증 정보를 고객 이동단말에 전송한다(S814).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).
이때 결제서버(20)는 인증번호를 활용하여 고객을 인증하는 것뿐만 아니라, 필요시 ID와 전화번호 등의 추가적인 인증정보를 모두 확인하여 전자영수증 발급 고객이 확인된 경우에만 결제내역에 대한 전자영수증을 고객 이동단말(40a,…,40n)에 전송할 수도 있다.At this time, 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.
고객 이동단말(40a,…,40n)에서는 요청한 전자영수증 정보를 수신하여 저장하고 거래내역을 확인한다(S816).Customer mobile terminal (40a, ..., 40n) receives and stores the requested electronic receipt information and confirms the transaction (S816).
그리고 고객 이동단말(40a,…,40n)에서는 이 전자영수증 정보를 인증서버(60)에 전송하고, 인증서버(60)에서 이 전자영수증 정보를 고객 DB(612)에 백업 저장할 수도 있다(S818).In addition, 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). .
상기한 제4실시예에서도 결제서버(20)에서 탄소포인트를 산출하고 이를 전자영수증 정보에 포함하여 고객 이동단말(40a,…,40n)에 전송할 수 있음은 물론이고, 필요에 따라 키값을 생성하여 이를 고객 이동단말(40a,…,40n)에 전송할 수도 있으며, 관련 광고나 할인쿠폰 등을 제공할 수도 있다.In the fourth embodiment, 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.
또한, 결제서버(20)에서 가맹점별로 전자영수증을 발급함으로써 종이를 사용하지 않는 만큼의 탄소배출 절감량을 산출하여 확인(전송, 조회)할 수 있도록 할 수도 있다. In addition, by issuing an electronic receipt for each merchant in 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).
또한, 결제서버(20)에서 전자영수증의 진위를 확인할 수 있도록 전자서명을 수행할 수도 있다.In addition, the payment server 20 may perform an electronic signature to check the authenticity of the electronic receipt.
그리고 상기 가맹점 단말(30a,…,30n)이 NFC 활용 결제처리 단말인 경우 가맹점 단말(30a,…,30n)에서 고객 이동단말(40a,…,40n)에 전자영수증 정보를 전달하고, 운영서버(10)에서 상기 고객 이동단말(40a,…,40n)로부터 전자영수증 정보를 제공받을 수도 있다.And if 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.
이 전자영수증 발급방법에 의하면, 인증을 수행하는 곳과 영수증 정보를 가진 시스템이 분산되어 각 업체들의 매출 정보가 인증을 수행하는 곳에는 노출되지 않는다는 특징이 있다.According to the method of issuing electronic receipts, 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.
Claims (17)
- 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 결제서버에 결제내역 정보를 전송하고 결제승인을 요청하여 결제를 수행하는 단계;When a customer purchases an item or receives a service through the affiliated store, transmitting the payment details information to the payment server from the affiliated terminal and requesting payment approval to perform payment;상기 결제서버에서 가맹점 단말의 결제가 완료된 경우 결제내역 정보를 운영서버에 전송하는 단계;Transmitting payment history information to an operation server when the payment of the affiliated store terminal is completed in the payment server;상기 운영서버에서 결제내역 정보를 토대로 전자영수증을 생성하고 저장하는 단계; 및Generating and storing an electronic receipt based on payment history information in the operation server; And상기 운영서버에서 전자영수증을 고객 이동단말에 전송하고 고객 이동단말에서 이를 수신하여 전자영수증 정보를 확인하는 단계를 포함하는 전자영수증 발급방법.The electronic server issuing method comprising the step of transmitting the electronic receipt to the customer mobile terminal in the operation server and receiving it at the customer mobile terminal to confirm the electronic receipt information.
- 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 결제서버에 결제내역 정보를 전송하고 결제승인을 요청하여 결제를 수행하는 단계;When a customer purchases an item or receives a service through the affiliated store, transmitting the payment details information to the payment server from the affiliated terminal and requesting payment approval to perform payment;상기 결제서버에서 가맹점 단말의 결제가 완료된 경우 결제내역 정보를 운영서버에 전송하는 단계;Transmitting payment history information to an operation server when payment of the affiliated store terminal is completed in the payment server;상기 운영서버에서 결제내역 정보를 토대로 전자영수증을 생성하고 저장하는 단계;Generating and storing an electronic receipt based on payment history information in the operation server;상기 운영서버에서 전자영수증 정보에 해당하는 키값을 생성하고 저장하는 단계;Generating and storing a key value corresponding to the electronic receipt information in the operation server;상기 운영서버에서 키값을 문자메시지에 포함시켜 문자메시지를 고객 이동단말에 전송하는 단계; 및Transmitting a text message to a customer mobile terminal by including a key value in the text message in the operation server; And상기 고객 이동단말에서 문자메시지를 수신하고 문자메시지에 포함된 키값으로 전자영수증 정보를 확인하는 단계를 포함하는 전자영수증 발급방법.Receiving a text message in the customer mobile terminal and the electronic receipt issuing method comprising the step of checking the electronic receipt information with the key value included in the text message.
- 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 결제서버에 결제내역 정보를 전송하고 결제승인을 요청하여 결제를 수행하는 단계;When a customer purchases an item or receives a service through the affiliated store, transmitting the payment details information to the payment server from the affiliated terminal and requesting payment approval to perform payment;상기 결제서버에서 가맹점 단말의 결제가 완료된 경우 결제내역 정보를 운영서버에 전송하는 단계;Transmitting payment history information to an operation server when the payment of the affiliated store terminal is completed in the payment server;상기 운영서버에서 결제내역 정보를 토대로 전자영수증을 생성하고 저장하는 단계;Generating and storing an electronic receipt based on payment history information in the operation server;상기 운영서버에서 전자영수증 정보에 해당하는 키값을 생성하고 저장하는 단계;Generating and storing a key value corresponding to the electronic receipt information in the operation server;상기 운영서버에서 키값을 푸시 데이터(push data)로 고객 이동단말에 전송하는 단계; 및Transmitting the key value to the customer mobile terminal as push data in the operation server; And상기 고객 이동단말에서 푸시 데이터를 수신하고 키값으로 전자영수증 정보를 확인하는 단계를 포함하는 전자영수증 발급방법.Receiving push data in the mobile terminal and confirming the electronic receipt information with a key value.
- 제 2 항 또는 제 3 항에 있어서,The method of claim 2 or 3,상기 전자영수증 정보를 확인하는 단계에서 상기 고객 이동단말에 탑재된 앱(App)이 키값으로 전자영수증 정보를 수신하여, 이를 고객 이동단말의 화면에 출력하는 것을 특징으로 하는 전자영수증 발급방법.In the step of checking the electronic receipt information, the app (App) mounted on the customer mobile terminal receives the electronic receipt information as a key value, and outputs it to the screen of the customer mobile terminal.
- 제 2 항 또는 제 3 항에 있어서,The method of claim 2 or 3,상기 전자영수증 정보를 확인하는 단계에서 고객 이동단말에서 이 키값으로 운영서버에 접속하여 키값에 해당하는 전자영수증 정보를 요청하고, 운영서버에서 키값에 해당하는 전자영수증 정보를 전송하여 고객 이동단말의 화면에 출력하는 것을 특징으로 하는 전자영수증 발급방법.In the step of checking the electronic receipt information, the customer mobile terminal accesses the operation server with this key value, requests electronic receipt information corresponding to the key value, and transmits the electronic receipt information corresponding to the key value from the operation server to display the screen of the customer mobile terminal. Electronic receipt issuance method, characterized in that the output on.
- 제 1 항 내지 제 3 항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3,상기 운영서버에서 결제내역 정보를 토대로 고객 DB와 가맹점 DB를 검색하여 고객과 가맹점이 확인된 경우에, 전자영수증의 진위를 입증할 수 있도록 전자서명을 수행하고 전자서명된 전자영수증을 고객 이동단말에 전송하는 것을 특징으로 하는 전자영수증 발급방법.When the customer and the merchant are confirmed by searching the customer DB and the merchant DB based on the payment history information on the operation server, the electronic signature is performed to verify the authenticity of the electronic receipt, and the electronic signature is sent to the mobile terminal. Electronic receipt issuance method, characterized in that for transmitting.
- 제 1 항 내지 제 3 항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3,상기 운영서버에서 고객별로 전자영수증 발급에 따른 탄소포인트를 산출 누적하여 전자영수증, 문자메시지 또는 푸시 데이터에 포함시켜 고객 이동단말에 전송하는 것을 특징으로 하는 전자영수증 발급방법.Calculating and accumulating carbon points according to the issuance of an electronic receipt for each customer in the operation server, and including the same in an electronic receipt, a text message, or push data to transmit it to a customer mobile terminal.
- 제 7 항에 있어서,The method of claim 7, wherein상기 운영서버에서 탄소포인트 산출시 전자영수증을 발급함으로써 감소할 종이의 양에 비례하게 탄소포인트를 산출하는 것을 특징으로 하는 전자영수증 발급방법.Issuing an electronic receipt when calculating the carbon point in the operation server, the electronic receipt issuing method, characterized in that to calculate the carbon point in proportion to the amount of paper to be reduced.
- 제 1 항 내지 제 3 항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3,상기 운영서버에서 가맹점별로 전자영수증 발급에 따른 탄소배출 절감량을 산출 누적하여, 가맹점에서 정기적으로 또는 필요시 탄소배출 절감량을 확인할 수 있도록 하는 것을 특징으로 하는 전자영수증 발급방법.Calculating and accumulating carbon emission savings according to issuance of an electronic receipt for each affiliated store in the operation server, thereby enabling the merchant to check the amount of carbon emission reduction periodically or as needed.
- 제 1 항 내지 제 3 항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3,상기 운영서버는 결제서버에서 결제내역 정보가 전송된 경우 이 결제내역 정보를 토대로 기존에 작성된 가계부를 가계부 DB에서 불러와 새로 작성하고, 이를 다시 가계부 DB에 저장하며, 고객 이동단말이나 고객 PC에서 운영서버에 접속하여 상기 가계부를 수정하거나 추가하는 것을 특징으로 하는 전자영수증 발급방법.When the payment history information is transmitted from the payment server, the operation server retrieves the newly created household account book from the household account database based on the payment history information, creates a new account book, stores the data in the household account database again, and operates the customer mobile terminal or the customer PC. Electronic receipt issuance method characterized in that to access or modify the account book.
- 제 1 항 내지 제 3 항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3,상기 가맹점 단말에서 결제서버에 결제내역 정보를 전송하기 이전에,Before transmitting the payment history information to the payment server in the merchant terminal,고객 이동단말에서 운영서버에 접속해서 카드번호나 전화번호의 개인식별 정보를 입력하여 전자영수증 발급회원으로 가입하는 단계와,Accessing the operation server in the mobile terminal of the customer and entering the personal identification information of the card number or the phone number to register as an electronic receipt issuing member;고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 운영서버에 개인식별 정보를 전송해서 전자영수증 발급회원인지 요청하는 단계와,When a customer purchases goods or receives a service through the affiliated store, requesting whether the affiliated terminal transmits personal identification information to the operation server to request an electronic receipt issuing member;상기 운영서버에서 개인식별 정보로 전자영수증 발급회원인지 아닌지를 확인해서 가맹점 단말에 통보하는 단계를 더 수행하는 것을 특징으로 하는 전자영수증 발급방법.Checking whether or not the electronic receipt issuing member with the personal identification information in the operation server, and further comprising the step of notifying the merchant terminal.
- 제 11 항에 있어서,The method of claim 11,상기 운영서버는 전자영수증 발급회원으로 가입시 개인식별키로 바코드나 QR코드를 생성해서 고객 이동단말에 전송하고,The operation server generates a barcode or QR code with a personal identification key when registering as an electronic receipt issuing member and transmits it to a customer mobile terminal.상기 가맹점 단말은 전자영수증 발급회원인지 요청하는 단계에서 고객 이동단말의 바코드나 QR코드를 읽어 운영서버에 전송하는 것을 특징으로 하는 전자영수증 발급방법.The merchant terminal is an electronic receipt issuing method, characterized in that in the step of requesting whether the electronic receipt issuing member to read the barcode or QR code of the mobile terminal to the operation server.
- 고객이 가맹점을 통해 물품을 구매하거나 서비스를 제공받은 경우 가맹점 단말에서 결제서버에 결제내역 정보를 전송하고 결제승인을 요청하여 결제를 수행하는 단계;When a customer purchases an item or receives a service through the affiliated store, transmitting the payment details information to the payment server from the affiliated terminal and requesting payment approval to perform payment;상기 결제서버에서 가맹점 단말의 결제가 완료된 경우 전자영수증 발급에 필요한 인증을 인증서버에 요청하는 단계;Requesting, by the payment server, an authentication server for issuing an electronic receipt when the payment of the affiliated store terminal is completed;상기 인증서버에서 인증을 수행하고, 결제 건 별로 개별 인증번호를 생성하는 단계;Performing authentication in the authentication server and generating an individual authentication number for each payment case;상기 인증서버에서 인증번호를 결제서버에 전송하는 한편, 인증번호를 포함한 전자영수증 발급안내 데이터를 해당 고객 이동단말로 전송하는 단계;Transmitting the authentication number from the authentication server to the payment server, and transmitting the electronic receipt issuance guide data including the authentication number to the corresponding mobile terminal;상기 해당 고객 이동단말에서 전자영수증 발급 건이 있음을 확인하고, 결제서버에 인증번호를 송신하면서 전자영수증 발급을 요청하는 단계;Confirming that an electronic receipt is issued at the corresponding mobile terminal, and requesting issuance of an electronic receipt while transmitting an authentication number to a payment server;상기 결제서버에서 수신된 인증번호를 활용하여 전자영수증 발급 고객인지를 확인하고, 결제내역에 대한 전자영수증을 생성하여 저장하는 단계; 및Checking whether the electronic receipt is issued by using the authentication number received from the payment server, and generating and storing the electronic receipt for payment details; And상기 결제서버에서 전자영수증을 고객 이동단말에 제공하고 고객 이동단말에서 이를 수신하여 전자영수증 정보를 확인하는 단계를 포함하는 전자영수증 발급방법.The electronic server issuing method comprising the step of providing an electronic receipt to the customer mobile terminal in the payment server and receiving it at the customer mobile terminal to confirm the electronic receipt information.
- 제 13 항에 있어서,The method of claim 13,상기 고객 이동단말에서 수신된 전자영수증 정보를 인증서버에 전송하고, 상기 인증서버에서 이 전자영수증 정보를 백업 저장하는 단계를 더 포함하는 것을 특징으로 하는 전자영수증 발급방법.And transmitting the electronic receipt information received from the customer mobile terminal to the authentication server, and backing up and storing the electronic receipt information in the authentication server.
- 제 1 항 내지 제 3 항, 제 13 항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3, 13,상기 전자영수증에는 광고나 할인쿠폰이 포함되어 있는 것을 특징으로 하는 전자영수증 발급방법.The electronic receipt is an electronic receipt issuance method, characterized in that it contains an advertisement or a discount coupon.
- 제 1 항 내지 제 3 항, 제 13 항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3, 13,상기 가맹점 단말은 요금의 결제처리를 위한 결제 단말로서, 신용카드, 현금 결제처리 단말 또는 NFC(Near Field Communication) 활용 결제처리 단말 중 어느 하나 이상인 것을 특징으로 하는 전자영수증 발급방법.The merchant terminal is a payment terminal for payment processing, the electronic receipt issuance method, characterized in that any one or more of a credit card, cash payment processing terminal or NFC (Near Field Communication) utilizing payment processing terminal.
- 제 16 항에 있어서,The method of claim 16,상기 가맹점 단말이 NFC 활용 결제처리 단말인 경우 가맹점 단말에서 고객 이동단말에 전자영수증 정보를 전송하고, 운영서버에서 상기 고객 이동단말로부터 전자영수증 정보를 제공받는 것을 특징으로 하는 전자영수증 발급방법.If the merchant terminal is an NFC-based payment processing terminal, the merchant terminal transmits the electronic receipt information to the customer mobile terminal, the electronic server issuing electronic receipt information, characterized in that the operation server receives the electronic receipt information from the customer mobile terminal.
Applications Claiming Priority (6)
Application Number | Priority Date | Filing Date | Title |
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KR10-2010-0110991 | 2010-11-09 | ||
KR20100110991 | 2010-11-09 | ||
KR10-2011-0043113 | 2011-05-06 | ||
KR1020110043113A KR20120049789A (en) | 2010-11-09 | 2011-05-06 | Method for issuing electronic receipt |
KR1020110106719A KR101255142B1 (en) | 2010-11-09 | 2011-10-19 | Method for issuing electronic receipt |
KR10-2011-0106719 | 2011-10-19 |
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WO2012064026A2 true WO2012064026A2 (en) | 2012-05-18 |
WO2012064026A3 WO2012064026A3 (en) | 2012-07-19 |
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PCT/KR2011/007837 WO2012064026A2 (en) | 2010-11-09 | 2011-10-20 | Method for issuing an electronic receipt |
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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 |
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KR20050100183A (en) * | 2004-04-13 | 2005-10-18 | 주식회사 팬택 | Method for receipt management using mobile communication terminal |
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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 |
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