Paperless real-time payment control.

专利摘要:
The paperless electronic real-time payment receipt and receipt handling system (20) issued from a point of sale (30) comprises the steps of: providing an electronic receipt card for the customer having a customer identifier; the equipment of retailers by electronic means (30, 31) generating an electronic receipt; Transmitting the electronic business receipt (20) together with the customer identifier to a storage means (41) for the electronic receipts; Providing at least one interface (35) for the access, handling and systematic management of the stored electronic receipts (20) in said electronic acknowledgment storage means (41). It is characterized in that the electronic means (30) for generating the electronic business receipt comprises a terminal (34, 35) for the electronic funds transfer, that the electronic receipt card is also a payment coupon, in the terminal (34, 35) for the electronic Funds transfer is available and has a customer account identifier, wherein during the payment processing, a cash transaction code (24) is transmitted to the electronic funds transfer terminal (34, 35) which is arranged such that said cash transaction code (24) together with the electronic business receipt ( 20) is sent to said electronic receipt storage means (41), which may be a storage on the payment coupon or an external database.
公开号:CH707002B1
申请号:CH00273/14
申请日:2012-04-23
公开日:2018-03-15
发明作者:Ellan Dilek
申请人:Ellan Dilek；
IPC主号:

专利说明:

TECHNICAL FIELD The present invention relates to a paperless real-time payment control method for secure handling of business receipts, wherein electronic receipts made at a point of sale are handled by an electronic receipt system, in which method an electronic tender is used as an electronic receipt card for a customer contains a customer identifier, is used in the electronic money transfer terminal and includes a customer account identifier.
Background Art Receipts are used in business for a number of different purposes. They are handed out together with the purchased goods as a receipt for the payment made. A receipt can then be used by a business traveler to request reimbursement from their employer. The receipt bears a date and thus contains proof of the date on which the goods were purchased. This could be important in the case of warranty claims or in the case where a product is exported to another country, such as VAT reimbursement. Another function of the receipt is proof to the buyer and the seller that the price paid is for nationwide or local taxes as well as VAT or other fees such as VAT. includes prepaid recycling fees.
Usually, such receipts are paper receipts. In e-commerce, electronic receipts are known when someone buys goods in an online store, particularly online activation or other non-physical goods or services.
US Patent No. 2010/0100434 discloses a method and a system where an electronic receipt system is presented which allows the customer to manage his expenses electronically, thereby avoiding the handling of paper copies, which are usually printed on thermographic paper, which is not particularly well suited for long-term storage.
Another method and system according to the preamble of claim 1 is known from US Pat. No. 6,341,353 where a system with a specific systematic management of the entries of the receipts is presented. These receipts are stored in a database according to this system.
These prior art systems provide storage solutions that take into account a simplification of the interrelation that exists between the customer and the retailer in the face of discounts or the use of services or warranty claims on a purchased product.
Credit card organizations give their customers, d. H. the owners of credit cards, no detailed information about the purchased goods. Usually only the date, the time and the amount paid are transferred to the bank statement, supplemented by information on foreign currencies.
Summary of the Invention On the basis of this prior art, the object of the invention is to present a method and system which improve the usefulness of the whole system. In fact, to ensure sufficient transparency of expenditure, a whole range of tax authorities do not accept the transfer of copies of electronic receipts in a parallel route to a dedicated website. Usually, business travelers on the user side and organizations and corporations on the other hand are interested in having a secure system for handling the issues. In addition, the transfer of specific data to health-related services received by the customer is a critical issue.
In addition, it is an object of the invention to provide a direct link between the issues and the electronic receipt for such issues.
In addition, another object of the invention is to enable the customer to have direct control over the electronic receipts.
These objects and other advantages are realized by a method having the features of claim 1.
A means of payment is characterized by the features of claim 10. A database system is characterized by the features of claim 13.
In the description, the term business receipt is used as a general term, the business receipt according to the invention is present as an electronic receipt. Added to the electronic receipt is the electronic transaction receipt. The term money transfer terminal is also a terminal for electronic money transfer to understand.
The invention is based on the insight that the user is interested in having a single card containing the payment information as well as the receipt handling. This also reduces the possibilities for fraud and, consequently, such a system will be more widely accepted by those issuing corporate credit cards as well as by the tax authorities. The system can therefore be used directly by an entity reimbursed for VAT, since the data received is complete and the confirmed amount of the possibly larger number of items directly related to the possibly different rates of VAT for different goods and services stands. Therefore, after receiving the export confirmation that may be required, the customer can then receive the refund directly because the organization responsible for the refund already has a fraud-proof receipt. The receipt shall include the list of goods purchased and services used with the appropriate fields for entries for other amounts, VAT, type of service and codes of the seller or service provider, where available, such as model number, Serial number, service number, etc. Not all fields must be completed. It is important that the data is transmitted in the most tamper-proof manner possible, and in the event that it is written directly to memory, it is even a privacy-preserving way to access the data by item handle.
According to one embodiment, the itemized receipt is stored directly on the payment coupon or chip. Usually, the existing chip credit cards are processor cards having storage areas. It is possible to store the complete acknowledgments in an additional memory chip to allow coexistence of the known credit card chip and additional memory, or the decrypted acknowledgment is stored in the memory of the processor card itself. It is advantageous if the memory card function or credit card function of the processor chip is combined with an additional memory function, which can be implemented chip-integrated with the same or an additional storage means or in an external database.
It is also possible to additionally store further information from the seller in the memory area of the chip-provided payment voucher, e.g. Warranty information, advertising or coupons to be used later. Thus, the owner of the card is encouraged to handle the receipts and the further information by reading the e-money card's memory later. It is also possible that according to an embodiment of the invention, this additional information is transmitted together with the electronic receipt to an external receipt database.
According to a preferred embodiment, the electronic receipt is digitally signed by the seller. This can be done within a one-chip solution or for a receipt which is stored in an additional memory card. In fact, such storage is storage in an "internal" database, i. H. on a chip, equivalent The storage can also be done in an external database, wherein the transfer is initiated automatically during the payment process, said transmission can also be protected by an electronic signature.
Another possible use is based on the direct transfer of the data to a healthcare organization. Since the payment made is directly linked to the individual items of the medical treatment, the health care organization can check the need to review reimbursements for the individually disaggregated treatment steps on the list of goods (e.g., medicines) and benefits (e.g., nursing services).
The invention is characterized by the fact that the already existing credit card information can be used to generate the customer identifier which associates the information with the database as storage for the receipts. In fact, the system relies on the insight that an account number is usually associated with a particular credit card. In addition, a customer number is also linked to such a credit card, which allows the transmission of information to two different institutions, which is technically reflected by two different databases and communication channels. These communication channels have their starting point at the point of sale, where the clearly assigned card is present and the associated information is requested by the customer.
Of course, it is possible to use a debit card instead of a credit card. These cards can be exchanged freely. The principal common feature of these cards, debit card or credit card, which may also be a prepaid card, is the ability to obtain a service or merchandise with payment information related to said card. Therefore, it is possible that the card as such may also be a virtual card. In other words, the invention can also be used in the context of Internet based shopping transactions with the transfer of the card information rather than the scanning of the card by a device at the point of sale. The debit card and the credit card as well as their virtual form may be defined as a chip coupon or e-money card. However, physical cards offer other advantages attributable to the fact that they can be used as data storage and data transfer means.
The storage of the receipt in a memory on the card can then be assisted by providing an access means to the user, e.g. a card reader to read the information from the memory of the chip card and put in an external memory. Under such an approach, the user of the card has complete control over his receipt data, which increases security but also has the disadvantage of requiring personal action, ie. H. reading the card to allow transmission to a third-party database, e.g. to a VAT reimburser, health care provider, employer's travel expense database or customer's own database.
It is advantageous to use a standard smart card, e.g. such as ISO 7816, to provide a specific interface which is usable for both the payment area of the method and the storage area of the method. It is then advantageous that the storage area under the same or another securing means in the same or an additional chip within the same device or even voucher, e.g. the same chip card is secured. This increases the chances of avoiding fraud in the case where the data must be transmitted in a tamper-proof manner, as is often the case if the data relates to information concerning health care and / or VAT and / or if it is personal data.
In addition to the use of a credit card, it is also possible to use a mobile phone, a smartphone or a PDA computer, since these electronic devices contain an electronic identification means. In fact, it is possible to use the invention with any electronic device which allows the function of payment. The payment function of the SIM card of a mobile phone is realized by the contact of the user with the telephone company. This also applies to the prepaid SIM card, as this only limits the purchase amount for goods and services to the amount paid in advance.
Therefore, in the context of the present invention, the use of a SIM card as a payment coupon is intended. It is also clear that according to the invention it is also possible to use any voucher confirming the authenticity as an electronic money card, if the payment can be made on the basis of this device.
Such an inventive cash deposit and administration enables companies to issue electronic receipts to their customers instead of paper receipts. Like all recorded customer data, these electronic receipts are either stored on the chip card itself or stored and managed anonymously on a database server.
According to one embodiment, the customer himself may have access to his data on the server of the database host. Customers have global access to their receipts via the Internet. They can handle their receipts, they can print them on a purchased product for tax purposes or warranty claims. For the customers of the company there is a clear advantage that a permanent filing is no longer necessary. Companies can save millions in costs and benefit from anonymously tracking their customers' habits. Today, a large number of companies already have their own membership cards and track their customers. But they can not track the consumer habits of their customers outside of their business operations. The Finns benefit from more than 360 ° tracking of receipt management, saving money and ultimately benefiting from a more sustainable, environmentally conscious appearance.
Customers can easily handle their receipts online anytime, anywhere. You can analyze your consumption data as you like. You can group them for tax purposes, health costs, eating habits. The companies benefit from the greater amount of information about the habits of their customers.
The customers obtain advantages from their centrally stored and managed receipts in the following manner: Business travelers do not need to store thermographically copied paper receipts during their journey and / or to deposit such receipts over a longer period of time because they need them for billing. This is done through easy handling of centralized receipts; - For many products, it is necessary to keep the receipts for guarantee cases; - many weather areas can be cited, such as full control over personal health costs, better control of sugar consumption for diabetics, etc.
It is important that all data on the server of the system be centrally stored and systematically managed, as competitors in the marketplace as well as customers will not accept that the entire business world has a share of their personal data. The population is already very careful to provide personal information to anyone. The conclusion is that member companies send the e-receipt with the customer's permission directly to the database within the system server. Once registered, the customer has online access to all his data, can handle his receipts such as personal, business or otherwise. All his receipts will be stored on our server as long as he wishes. A salesperson may collect their receipts for a business trip over a period of time or periodically bill them to their employer or use them for their tax return. On the other hand, member companies can use this anonymous data to concretize their marketing data. Now they are not only tracking what their customer is doing with them, but also their consumption behavior, wherever that may be.
The server of the system may be the server of the e-money card issuing institution, but this central database computer may also be outsourced. This is possible for a direct electronic transmission of the disbursed receipts to that database, but also applies to a card-based transfer by means of the memory located on the smart card.
An electronic means of payment for use with this method is adapted to be read or inputted from the electronic money transfer terminal, and includes the information regarding the identifier of the customer account and information for the assignment of the payment transaction. Usually there is an electronic memory for storing the identifier for the customer account. The electronic means of payment is usually an EFTPOS (electronic money transfer at the point of sale) card, more specifically referred to as a credit card, debit card, cash card or customer credit card.
The electronic numbering means for use with this method is not necessarily read or written by the electronic money transfer terminal via a physical electrical contact. It is also possible to provide wireless information transmission. This can be done by means of the method of radio-frequency identification (RFID transmission), whereby usually the energy for the information transmission comes from the terminal of the point of sale from which the output is made. It is also possible to carry out the information exchange by a radio-coded transmission as a message which is sent to a smartphone and authenticated by the SIM card.
It is possible to provide additional services in the case where the user uses a smart card as a means of payment in connection with a communication device. This can be done by a separate portable communication device such as a smartphone whose number is stored in the receipt database. As such, the receipt database comprises direct data or information derived from stored data relating to data about the purchased goods and services provided. This information represents a customer profile that changes dynamically with each purchase. Then information relating to the purchased goods and services can be made available to the user. The receipt database may also be centrally stored and systematically managed by the institution responsible for payment. In a preferred embodiment, the communication means is a smart phone having a SIM card used as a means of payment and designed to directly receive the feedback flow of information based on the customer / user's purchase profile and in which Acknowledgment database is stored. In short, the electronic receipt is transmitted to the electronic receipt storage means which is arranged to generate a bid message which is transmitted to the device containing the electronic receipt card used in connection with an electronic communication means.
It is also possible that the receipt storage itself is coded according to a key set in advance. This may include the selection of entries depending on the type of service. Thus, e.g. the customer decide that all receipts that relate to the payment of public transport are stored only with a code, but without mentioning the type of means of transport used (taxi, train ticket, flight ticket), so that the itinerary of a journalist is not determined by the disclosure of the Receipts can be tracked. Other examples are possible to separate private from business costs. Then these offers do not appear in the offer information, as has been shown above. Then, the acknowledgments are stored with coded information which can be coded according to a predetermined code which is stored by the customer in the receipt database so as to be able to recover the coded values in clear text upon request. Preferably, then these codes are protected by an additional password.
An electronic receipt system for use in connection with the above-mentioned method and using said electronic means of payment for handling the business receipts issued at the point of sale to a customer within an electronic receipt system comprises an electronic receipt database hosting a database and manages to provide electronic receipts to which a consumer or customer has access with his electronic receipt cards based on a customer identifier stored thereon. The system comprises electronic means which generate electronic receipts which are transmitted by means of communication to said electronic receipt database, either from the electronic money transfer terminal or directly from the payment-competent institution which owns the local bank which owns the EFTPOS. Terminal to the seller, which may be the institution responsible for the credit card or the bank of the buyer.
It is possible that such an electronic means of payment for use with a method according to the invention is designed such that the information is transmitted to more than one receipt database after completion of the payment transaction.
Further embodiments of the invention are disclosed in the dependent claims.
BRIEF DESCRIPTION OF THE DRAWINGS In the following, preferred embodiments of the invention will be described with reference to the drawings attached for the purpose of illustrating the presently preferred embodiments of the invention and which should not be construed as limiting the same. These drawings are:
Fig. 1 shows an example of a data flow after using an electronic receipt system as such;
Fig. 2 shows an embodiment of the system architecture;
Fig. 3 is a system diagram showing an example of a data flow after use of the system according to an embodiment of the invention; and
4 shows a further example of a representation of the data flow using an electronic acknowledgment system according to an embodiment of the invention.
DESCRIPTION OF PREFERRED EMBODIMENTS Various retailers use POS systems integrated into a payment network. In fact, a so-called POS terminal is available at a Point of Sale point of sale, where EFT stands for Electronic Funds Transfer. In the prior art, such devices are connected during payment to the bank computer of the publisher of the card in order to (or not) approve the intended payment transaction.
It is not necessary, but possible, for the customer himself to be able to log into a computer system with access to the database in which the electronic receipts are stored. The authorization to access this database may also be granted for the processing of the company's own credit cards in order to process the expenses directly using the company's own cards. The system is also designed to be used by a VAT reimbursed company which receives the receipts from the point of sale in the framework of a tripartite agreement. The customer has an e-money card issued by him for payment responsible organization. He, too, has an agreement with the firm charged with the paralysis of VAT, which allows the storage of the specific receipts in its database for use by the tax authorities in order to obtain a refund. Then, the tax refund company contacts the customer to pay the refund amount. Consequently, there is no immediate need for the customer to control and process the receipts in the database of the tax refund company. This is especially true if the refund is made through the company issuing the credit card. However, for reasons of confidentiality of data, sometimes the possibility of access to the data is required or obligatory.
The same approach is possible in the field of health care when the data relating to the payment is transferred directly to the health insurance database with a detailed list of health care benefits and goods to consider a refund. It is possible to transfer the receipts to different databases or to a single database depending on the services or goods, with different units having different access rights, ie. H. where, for example, the database may include a tax refund area, a health care billing area, and a private receipt database area.
The general steps concerning the transmission of an electronic receipt are as follows. Initially, some steps are taken during the settlement of the payment, which are known as such in the prior art: The goods and / or services to be paid are registered on the spot in a cash register; - the customer presents customer discount receipts, gift vouchers etc. as well as a means of payment. Such a means of payment comprises an electronic money card associated with either e-money (pre-paid amount stored in connection with an account number), debit card (authorization to withdraw from an account), credit card (authorization for Debiting an account) or a SIM card of a portable electronic communications device {authorization to debit an account in connection with a telephone number or a limited amount in the case of a prepaid SIM card) or another voucher entitling to payment; - the payment must be approved by the issuing or processing organization in the known manner; - the payment transaction is settled; - the transaction code is sent as proof of successful payment; - According to the prior art, the payment receipt, which contains the transaction code, printed and handed out as a paper receipt.
This method is now improved according to an embodiment of the present invention - The goods and / or services to be paid are registered on the spot in a cash register, and the details concerning specific goods / services are temporarily stored ; - the customer presents customer discount receipts, etc., as mentioned above; - Payment must be approved by the issuing or processing organization in the known manner. At this point, the customer identifier is also checked for the purpose of issuing an electronic receipt. This communication request may either be made directly in a second communication channel at the electronic receipt database or it may be made indirectly through the institution responsible for payment. Then, a tag is transmitted to the server of the payment-responsible institution, a request being made by said server to the server and to the database of the entity responsible for the electronic receipt. Then the information about membership such as e.g. the customer ID is transmitted to the POS terminal via the institution responsible for payment; - the payment transaction is processed as above; - the transaction code is sent as proof of successful payment; the transaction code and the information are no longer printed (although this option is retained as an additional optional step) and the data relating to the goods / services, the transaction code and the customer identifier are transmitted to the database of the electronic receipt server, which eg may be a server of a tax refund company, so that they have a direct receipt of payment for the merchant, which only needs to be supplemented by an export license in order to be able to pay the refund amount. It may also be the server of a healthcare organization which is then directly capable of making a reimbursement for health care benefits in accordance with a customer agreement on health care benefits. The transfer may also be a direct transfer to the storage area of the smart card or an e-money card used to make the payment. In other words, instead of handing over a paper receipt, the electronic data may be stored in the e-money card's memory.
Of course, it is possible that the transmission of the data to the server for electronic receipts is not done online at the same moment, but delayed at a later time, such as e.g. Every day. It is also possible that the customer ID is not checked online, but is calculated offline as a valid number. In the case where the decrypted receipt information is stored in the e-money card's memory, the transmission to an electronic receipt server is also delayed until the user of the e-money card decides that such transfer is carried out using a card reader / writer shall be. It is possible that the card reader is also a card writer to delete extracted keyed receipts.
Preferably, the information transmitted from the POS terminal to the electronic receipt storage medium, e.g. the memory to be transferred to the smart card or the external database, electronically signed to allow for later verification of authenticity.
The data transmission to an external database can be triggered by signed messages such as e-mail SMS, etc. It is also possible that the receipt is first transmitted to a mobile smartphone of the customer, which has the SIM card, and later to the company's database, even in the case of the tax reimbursement company, since it is possible to encapsulate the message in a tamper-proof envelope using the customer's smartphone as a valid caching device. This is possible because it is in the customer's interest to initiate the transfer of the receipts to the database when technically possible, either for their own thorough review or for use by a company, for example for refund purposes.
In this connection, it is possible that the e-money card is also directly usable to generate the export certificate if a terminal capable of identifying the e-money card is installed at the competent local customs office to recognize a special receipt. It would then be possible to immediately store a copy of the receipt for access by the customs authorities, so that they can issue an export marking directly so that it can be added to the record.
According to one embodiment, the customer can then use his identifier to log directly into the (possibly further) electronic receipt database so that he can process his receipts. It is also possible that third parties, such as accountants, have access to the data and that deletion of data by the client itself is not permitted. In the case where the decrypted receipt is stored in a memory on the chip, said transfer to another database is triggered by such an application to an electronic receipt database. FIG. 1 shows a system diagram illustrating the data flow and the interaction between the user of an electronic receipt system and a retailer or the seller of a good or supplier of a service. The customer buys in a shop and presents in step 10 his customer code, which is preferably printed as a bar code, in a magnetic stripe or in a chip applied to a card. The purchase may also include the provision of services and may include health care and medical treatment.
The receipt is created using information concerning the purchased goods and the customer identifier. This information, including the number, is transmitted to the electronic receipt server as step 11. This electronic receipt server receives the aforementioned information and stores it as step 12 in its database.
The client has the information required to log in to the electronic receipt server and, as step 13, has access to the area within the database relating to the electronic receipts for that customer identifier.
In the case where the client is also the customer, he has then, according to the cited prior art as step 14 different ways to process his receipts and can finally in step 15 in the case of business expenses, the billed and be paid by his branch of business using electronic receipts for his accountant.
In the case where the client is a company or health care organization entrusted with the tax refund, or a similar branch of business, the records stored in the database may be processed according to the existing agreement with the customer, which includes a customer's right may or may not be, whether it is reading, writing or doing other things with the data.
Fig. 2 shows an embodiment of the system architecture together with an example of a data structure 20. The system architecture comprises a point of sale 30, an area 40 concerning the electronic receipts, and a payment area 50.
The point of sale area 30 includes a cash register 31 and a credit card terminal 34, and may include a scanner 32 and a printer 33. It is possible that the point of sale does not have all these devices, but only one terminal 34, and that the connection to the interface 35 is mandatory. As shown, the terminal 34 may be a credit card or debit card terminal or an alternative e-money tendering authentication device in the form of a SIM card or a different credit voucher.
The area 40 for the electronic receipts comprises a server 41 for electronic receipts including database. This database may be an external database or may be implemented by a storage area within the e-money card which is implemented in a processor chip and used to communicate with the payment area 50, or as an additional storage chip containing protected storage can have.
The payment area 50 comprises a payments server 51, which contains a database, which usually has reference to the institution responsible for the payment. Of course, access to the server 51 for payments is not direct and includes a number of different and known communication devices in-between. In fact, the payment server 51 is synonymous with the electronic information in the payment-competent institution regarding the specific customer account and the associated personal and financial information. This may also be a database or a telecommunications company that allows payments based on a contractual agreement in conjunction with a SIM card of a communication device.
During the sales process, the cash register 31 has contact with an interface or a control unit 35 via the communication line 61. The control unit 35 may be located within the premises of the sales rooms, but may also be located in an external building with access via the communication channels 51 such as a telephone line or a packet switched network or the Internet. Said control unit 35 is designed such that the access takes place with the aid of a communication channel 62 of the electronic acknowledgment server 41 for exchanging the electronic acknowledgments, which has a data structure as will be explained later. Said control unit 35 is further adapted for access by means of a further communication channel 63 of the payment server 51 for the purpose of exchanging the electronic cash register information having a data structure known to a person skilled in the art.
The electronic receipt according to an embodiment of the invention comprises a reference number 21 for the receipt itself, a point 22 for the point of sale, the date 23, one or more transaction codes 24 and the details of the purchase 25 such. the list of purchased items with the associated price and information on labeling. The one or more transaction codes 24 include at least the transaction code required by the institution responsible for payment, i. h, issued by the payment server 51, but may also include a POS transaction code relating to the point of sale. The above-mentioned fields 21 to 25 of the electronic receipt 20 are usually values which have a defined field structure corresponding to the requirements of the transmission or storage of the indications.
In the case of healthcare applications, fields 25 contain the codes of healthcare products and information relating to the costs involved.
In the case of a tax refund application, fields 25 include the VAT rates. If, as already mentioned above, the specific dataset 20 is also accessible to customs authorities in order to check the list of exported goods for the purpose of issuing an export certificate, the dataset 20 and / or the field 25 comprises an additional identifier which identifies the The decision of the customs authorities to issue an export certificate, which then allows the tax refunding company processing the records in the database server 41 to reimburse the customer for the expenses. In other words, the electronic receipt database includes access for a third party, thereby allows an electronic tag to be attached to each record having a specific transaction code.
The invention comprises at least the following two approaches to storage. The database server 41 is an external server, as already explained above. The database server of the tax refund company, health care organization, etc. is another database server which directly receives the decrypted receipts from a cardholder because the receipt is stored on the e-money card as storage means 41 and only later on the said other database server is transmitted or can be transmitted.
The storage of the receipts 20 on the data chip of the payment voucher, which may be an e-money card or a SIM card or a processor chip extended to a memory, in particular increases the security if the data is digitally signed and / or encrypted so that only the holder of the card has access to the data, especially if he is the only person who is able to provide the necessary access codes to copy or extract the receipts 20 from the e-money card to give them to another electronic database. This requires the use of a card reader and preferably a card reader and writer by the user.
It is also possible for the payment-competent institution 51 to have the details of the purchase, so that their computers can more easily and quickly detect changes in behavior, thereby increasing security even in the event of theft of the card. Consequently, the data may be transferred to the memory on the card as storage means 41, along with a 1: 1 copy of the data transmitted to the payment institution 51, allowing the card to be restored in the event of destruction or loss since the disbursed receipts are then also stored in the institution 51 responsible for payment.
The system of electronic receipts can either be designed so that the terminal for the transfer of funds, d. H. with its area as an interface 35, to which the server 51 of the payment-related institution issuing the said e-money card to receive from said server 51 the said code 24 for the transfer of the funds, so that the latter is sent to the database is transmitted.
The system of electronic acknowledgments may also be designed in a different way, which is not shown in FIG. The funds transfer terminal 35 is arranged to be connected to the said payment service issuing server 51 issuing the e-money card for, in said server, generating said credit transferring code 24 To raise funds. Then, however, the said funds transfer code is transferred directly to said electronic acknowledgment database 41, with a communication channel between units 51 and 41 not shown in the drawings. This would involve a time-shifted transfer of the To enable information which can then be reassembled in the database 41 via the knowledge of the customer identifier and / or the reference number 21, which in this case should also be transmitted to the institution 51 responsible for the payment.
In the case of using an electronic device based on a SIM card, it is also possible to use the electronic receipt from the electronic funds transfer terminal via a radio frequency identification connection or an N FC connection with an interface not shown in the drawings to the electronic device under discussion using the SIM card, the electronic device, i. H. a mobile telephone, PDA computer or other identifiable electronic device has received this transaction code 24 and the electronic receipt from the electronic funds transfer terminal and transmits it to the database directly or indirectly. Said transmission may be performed by sending an e-mail or a packet-switched transmission initialized by the user's electronic device to the database of the electronic-acknowledgment server 41. The SIM card is then considered to be an e-money card. In this context, the e-receipt can be stored in a storage means which is provided within the e-money card or in the electrical device having said coupon (SIM card). Since the electronic receipt can be digitally signed and / or encrypted, such storage allows later synchronization / transmission of this data to the database server.
In this connection, it is an advantageous embodiment to provide additional services to the customer using a smartphone. The communication channel used to terminate the transaction can be used directly for the following or the access number of the electronic device is stored in the receipt database and is used to reopen a communication channel. Then, additional information relating to the purchased goods and services may be made available to the customer based on the customer profile created on the basis of the user's previous business. The offer message may be generated based on information stored as offer information in the receipt database, or it may be obtained as additional information from third-party databases.
Fig. 3 shows a system diagram relating to the data flow and interaction between the user of the system and the retailer or seller of the product or provider of a service.
The cash register 100 is protected by a firewall 101 when its electronic receipt information 102 is transmitted to an input feeder 103 in an input area 110. The input area 110 is separated from the security area 120 by another firewall 105. The electronic acknowledgment information is provided to an archive application 121 for storage in the database 122. FIG. 3 shows two databases 122 for security and backup concerns. Of course, additional backup resources 130 may be present.
The customer access 140 is typically a web application, with 141 access through a firewall 106 to a web access area having a number of web fronts 151. These web fronts have access through another firewall 107 to authorized users 125 for the purpose of reading and writing, indeed to process the electronic receipt information in the mirror database 126 of the database 122.
In this regard, the customer access 140 may be the customer who has purchased the goods, it may be the provider of health care services that verifies the reimbursement, and it may be the tax authorities to identify a customer who has requested a reimbursement Export certificate requested, which allows a certified secure transmission of such a label for the export certificate in the record.
4 shows a further example of a representation of the data flow using an electronic acknowledgment system according to an embodiment of the invention. The customer or buyer 210 presents to the seller 200 the goods and / or services and / or shows him the sales coupons, etc. The goods and / or services to be paid are recorded on the spot in a cash register and the details, which relate to the specific goods / services are temporarily stored by the seller 200.
The payment is to be approved by the issuing bank 230 or the processing organization, either directly, as shown in FIG. 4, or via a credit card institution 230. This usually requires two approval requirements 201 and 221. For credit cards, given the different contractual ties, the approval of the payment and the payment itself, the so-called settlement, are separate. The retailer may first transmit the approval request to his own bank of which he has the POS terminal and which then contacts the credit card processor 220, which then requests approval for purchase with the issuing bank where the cardholder has an account or credit Has.
At this point, the customer identifier is also checked for the issue of an electronic receipt. Said communication request, as shown in Fig. 4, may be made within a second communication channel 202 as a membership request to the electronic receipt database 240 or it may be requested indirectly through the institution responsible for payment, either 220 or 230. Then, to the vendor 200, an acknowledgment of the membership 204, e.g. transmit a label.
The receipt box database 240 may be the external server that receives the data transmission over the network, or the database 240 may be the storage means on the e-money card or in the device in which the e-money card is included, such as the smartphone. In the latter case, there is no transmission over the network, but there is a direct write access of the memory of e-cash cards through the POS terminal. In the case of an e-money card in a SIM card of the smartphone, the writing transmission of the disbursed receipts may still be NFC near-field transmission, Bluetooth technology transmission, or other over-the-air transmission of preferably encrypted data. It is also possible that the e-cash card only transfers with contact smart cards via chip contacts, as e.g. standardized in ISO 7816 permits. Then all data can be protected with a password known to the owner of the card.
The request 221 is answered by the bank either with a refusal or a consent to the approval 222, which is then forwarded as an approval confirmation 203 to the seller and sent to him. In fact, the payment institution 220/230 server triggers the delivery 206 of the electronic receipt to the electronic receipt database 240. The goods are handed over to the buyer 210 over 212.
In fact, the reference number 200, that is, the seller, is related to the single POS terminal, which transmits the membership information as well as the payment information. According to a preferred embodiment, the customer identifier is transmitted via the payment institution 220 to the POS terminal. This is shown symbolically in FIG. 4 by the dashed line 300 with a double arrow. This arrow 300 represents the relocation of the information transfer 202, 204 and 206 from the database of the electronic receipt server 240 to the server of the credit card processor 220, which directly transfers the specific buyer information contained in the records with the data structure 20 via the POS Terminal and the credit card organization 220. It would also be possible to relocate this transfer 300 to communication between the receipt box server 240 and the bank.
The payment via billing and settlement is carried out according to the prior art and is therefore not shown in Fig. 4.
The information flows "Approval Request 201" and "Approval Approval 203" can be made via transmission means based on RFID, NFC or Bluetooth technology and stored in the payment device of the buyer, such as e.g. the mobile device, the smartphone or the PDA computer are present. The information flow 201 may also be by radio if a card document such as a credit card is used because the RFID transfer may be contained within the body of the card. The storage of the disaggregated data on the magnetic stripe on such a card or in a device is also possible.
The transaction code is transmitted as a document for the successful payment according to information channel 206 and / or 300 to the database 240 and can be displayed as visual information on the POS terminal. The reference numeral 21 in the data structure 20 is then used to display a number of different goods in the transaction codes 24 and details of the purchase 25.
In addition, the electronic receipt is digitally signed. This means that the seller, such as its terminal for the electronic transfer of funds is designed to prepare a message check number of the information contained in the receipt and to encrypt the check number with its private key previously obtained from a public-private key authority; the encrypted control number becomes the digital signature of the message. In this way, it is ensured that the database of electronic receipts 122 stores such electronic receipts that have provable content so that it can be used directly as an authentic receipt for the expenses.
It is possible that the receipts 206 are not only transmitted to the database of the receipt box 240, but instead also to the database of a third party such as e.g. that of the employer of the credit card user. Then it is possible that the business travelers do not have to store the receipts during their business trip and also do not need to submit such receipts to the accountant of their company, but that such receipts are transferred in a centralized process. It is also possible that the data transmissions to the user's acknowledgment box database and the company's acknowledgment box database use different means of communication such as e-mail and packet transmission.
It is also possible to use the system for different data related to payment claims, e.g. In fact, in such a situation, the data would be transferred to the user's account in the database 241 and also to the health insurance database, which would typically be a second database which the employees of the insurance and the patient in question, if he / she is authorized to have access to.
The method according to the invention has further potential if the transmission of electronic receipts 206 is also made to a database of the customs authorities in order to make it possible to attach the said identifier for the export authorization to the data record. Another solution would be the (web) access of the customs authorities to the said dataset either directly or via the buyer 210, whereby the customs services attach their export authorization information to the said dataset, e.g. sign buyer's record 210 electronically e.g. by digitally signing the receipt 20 made by the customer on his mobile phone by transmitting the said signature and adding it electronically to the record of interest or e.g. initiates web access to the tax refund database by providing an access code through buyer's electronic device 210. This may be via information provided by the smartphone secured by the SIM card, or may be provided by the credit card be provided for access to the database and / or to a specific dataset at such an export office. In any case, the data can also be stored on a magnetic stripe on the card, separated from a chip and separated from a possible RFID antenna.
The database referred to as receipt box 240 in connection with Figure 4 may also be the VAT refund database or the health care insurance company's database, i. H. the database 240 is not directly connected to the purchaser 240 having access via its contractual agreement with the database host. The invention thus combines a secure flow of data between four parties, the purchaser 2210, the vendor 200, the institution responsible for payment 230 (eg, Bank, Telecommunications Corporation, Credit Facility, etc.) and participating host 240, which may be a tax reimbursement company, health insurance, receipt processing firm, or private customer / buyer database.
List of Reference Numbers 10-15 Steps in Electronic Receipt Architecture 20 Data Structure 21 Reference Number 22 POS Code 23 Data Entry 24 Transaction Code 25 Purchase Details 30 Sales Point Area 31 Cash Register 32 Scanner 33 Printer 34 Credit Card Terminal 35 Control Unit / Interface 40 Electronic Receipts Area 41 Electronic Receipt Servers 50 Payment Area 51 Payment Servers 60-63 Communication Channel, Channels 100 Cash Register 101 Firewall 102 Information on Receipts 103 Input Feed Line 105-107 Firewall / s 110 Feeder Zone 120 Security Zone 121 Archive Application 122 Database for electronic receipts 125 authorized access 126 mirror database 130 backup resources 141 web access 150 web access zone 151 webfront 200 seller 201 approval request 202 request ref. Membership 203 Approval confirmation 204 Membership confirmation 206 Transmission of electronic receipts 210 Buyer

权利要求:
Claims (15)
[1]
211 Presentation of the goods 212 Delivery of the goods 220 Credit card institution 221 Approval request 222 Approval confirmation 230 Issuing bank 240 Receiving database server 300 Transfer relocation Claims
A paperless real-time payment control method in which electronic transaction receipts issued at a point of sale are handled by an electronic receipt system, the method comprising the steps of: - providing an electronic means of payment as an electronic receipt card for a customer containing a customer identifier in one electronic money transfer terminal (30, 34, 35) and comprising a customer account identifier, - the provision of electronic means (30) for retailers which generate an electronic transaction receipt (20) and the electronic money transfer terminal (30, 34, 35), Providing at least one interface (140, 150) for accessing, managing and arranging stored electronic transaction receipts (20) within an electronic receipt storage means (41; 122); and - transferring a money transaction code (24) during a payment transaction (63) to the electronic money transfer terminal (30, 34, 35), - transmitting the electronic transaction receipt (20) together with the customer identifier to the storage means (41; 122) for electronic transaction receipts, - wherein said cash transaction code (24) is forwarded, together with the electronic transaction receipt (20) to be transmitted to the electronic money transfer terminal (30, 34, 35), to said electronic receipt storage means (41; 122).
[2]
The method of claim 1, wherein the electronic receipt storage means (41; 122) is a storage means within the electronic means or electronic means receiving means, the electronic transaction receipt being stored in said means for storing said electronic means, in particular for a time-delayed transmission to a database (41) for electronic receipts, in particular for a transmission by a card reader to the database (41) for electronic receipts.
[3]
The method of claim 1, wherein the electronic receipt storage means is an external database (41; 122).
[4]
4. The method of claim 3, wherein the one external database (41; 122) has a read or read / write access, in particular a web access (150) for the customer or a third party, wherein at least the customer identifier as identification means serves.
[5]
The method of any one of claims 3 or 4, wherein the electronic receipt database (41; 122) includes a third party access (150) that permits adding an electronic tag to each record having a specific transaction code (24) ,
[6]
A method according to any one of claims 1 to 5, wherein the electronic money transfer terminal (35) is adapted to be connected to a server (51) of the payment institution issuing said electronic means of payment to receive said money from said server. Get transaction code (24).
[7]
A method according to any of claims 1 to 5, wherein the electronic money transfer terminal (35) is adapted to be connected to a server (51) of the payment institution issuing said electronic means for issuing said one within said server To initiate money transaction codes (24) for direct transfer of the electronic transaction receipt (20) to said electronic receipt storage means (41; 122).
[8]
8. The method according to any one of claims 1 to 7, wherein the electronic receipt from the seller through said electronic money transfer terminal (30, 34, 35) is digitally signed.
[9]
A method according to any one of claims 8 to 8, wherein on the basis of the electronic receipt, said electronic acknowledgment storage means (41, 122) is arranged to generate an offer message which is transmitted to a device comprising the electronic receipt card which bill-card is used in connection with an electronic means of communication.
[10]
A real-time electronic paperless payment method for use with a method according to any one of claims 1 to 9, which is adapted to be read and / or written by the electronic money transfer terminal (30, 34, 35) comprising Information of the customer account identification and comprising the information for initiating a payment transaction (63), wherein the payment means comprises an electronic storage means for storing the customer account identifier and / or the electronic receipt storage means.
[11]
11. An electronic tender as claimed in claim 10, which is adapted to within the electronic money transfer terminal (30, 34, 35) generating a money transaction code (24) together with an electronic transaction receipt (20) on at least one electronic receipt storage means or such Authorize database (41; 122).
[12]
The electronic tender of claim 10 or 11, which is a credit card, debit card, installment card, cash card, customer credit card, SIM card, or electronic token for credit approval.
[13]
An electronic receipt system for carrying out the method according to any one of claims 1 to 9 for the purpose of handling the electronic transaction receipts (20) issued by a point of sale within an electronic receipt system: - a plurality of electronic means of payment for a plurality of customers as electronic A receipt card containing an individual customer identifier, insertable in an electronic money transfer terminal (30, 34, 35) and comprising a customer account identifier, - an electronic receipt database (41, 122) which stores and manages electronic receipts for a database, electronic means (30) generating electronic transaction receipts (20); communication means arranged to transmit electronic transaction receipts (20) together with the customer identifier to said electronic acknowledgment database (41; 122). an interface (140, 150) for accessing, processing and systematically managing the stored electronic transaction receipts (20) in said database (41; 122), the electronic means (30) for generating electronic transaction receipts being electronic Electronic funds transfer cash transfer terminal (30, 34, 35), and optionally the electronic means of payment also comprises storage means for storing the electronic receipt, in particular for a time-delayed transfer, to the one electronic receipt database (41, 122) the transmission to the database (41, 122) for electronic receipts takes place in particular via a card reader.
[14]
The electronic handshake system of claim 13, wherein the interface (140, 150) is a web interface.
[15]
The electronic receipt system according to claim 13 or 14, wherein the electronic funds transfer terminal (30, 34, 35) is arranged to be connected to a server of the payment institution (220 or 230) and said The server of the payment institution (220 or 230) is further arranged to transmit the electronic transaction receipts (20) together with the customer identifier to said electronic receipt database (41; 122), the customer identifier and the transaction data of Electronic funds transfer terminal (30, 34, 35), and said payment processing institution server (220 or 230) is selectively configured to detect the existence of an account in the database (41; 122) for electronic receipts for said customer identifier for issuing an electronic transaction receipt tion (20).

类似技术:

---

公开号 | 公开日 | 专利标题

---

CH707002B1|2018-03-15|Paperless real-time payment control.

---

DE69900169T3|2006-06-29|CREDIT CARD SYSTEM AND METHOD

---

US11132744B2|2021-09-28|Systems and methods to provide account features via web based user interfaces

---

US6886741B1|2005-05-03|Electronic transaction system

---

US7200578B2|2007-04-03|Method and system for anonymizing purchase data

---

AU2010340176B2|2014-11-20|Merchant alerts incorporating receipt data

---

KR102103931B1|2020-04-24|Method and system for managing payment and document computing using identifiable tags and artificial intelligence

---

US8521582B2|2013-08-27|System and method for collaborative affinity marketing

---

US20130161384A1|2013-06-27|Information management system and method for a plurality of interfaced card processors

---

US20100100434A1|2010-04-22|Global electronic receipt platform for recording, managing and accessing transaction receipts through retailers' physical or internet based point of sale system

---

CN101606169A|2009-12-16|The system and method for invitation to subscribe transactional cards

---

DE102008029030A1|2009-02-05|Method and system for providing coupons to select consumers

---

CN104160415A|2014-11-19|Universal loyalty program and system, which can include aspects in food and medicine recall, anti-counterfeiting, anti-identity theft, anti-credit card fraud and more

---

US20150242770A1|2015-08-27|Retail customer management system

---

WO2001043084A2|2001-06-14|Method of masking the identity of a purchaser during a credit transaction

---

WO2012143547A1|2012-10-26|Real time paperless payment control

---

Mooney et al.1996|A guide to electronic commerce

---

DE102017217342B4|2019-08-14|Method for managing an electronic transaction document

---

KR20000054140A|2000-09-05|RF-ID intergration system for settlement and rechargement function

---

JP2013092949A|2013-05-16|System for purchasing merchandise and service

---

DE60110388T2|2006-01-26|DEVICE AND METHOD FOR ENABLING VOLUNTARY EXCHANGE OF DATA AGAINST ELECTRONIC POINTS

---

Enu et al.2015|Effect of Information and Communication Technology | on the Delivery of Banking Services in Ghana: A Case Study of Zenith Bank Ghana Limited

---

US20200202353A9|2020-06-25|Electronic Wallet Enterprise System Comprising Guaranteed Electronic Payment Transactions

---

DE102012000750A1|2015-04-02|E-money - account-free transfer and possession of electronic money

---

EP1265184A2|2002-12-11|Method for electronic payment

同族专利:

---

公开号 | 公开日

---

US20140229305A1|2014-08-14|

引用文献:

---

公开号 | 申请日 | 公开日 | 申请人 | 专利标题

---

---

US20070038516A1|2005-08-13|2007-02-15|Jeff Apple|Systems, methods, and computer program products for enabling an advertiser to measure user viewing of and response to an advertisement|

---

US7487912B2|2005-09-28|2009-02-10|First Data Corporation|Electronic receipting|

---

US20120078751A1|2010-09-24|2012-03-29|Macphail William|Mobile device point of sale transaction system|

---

US9292870B2|2010-12-13|2016-03-22|Qualcomm Incorporated|System and method for point of service payment acceptance via wireless communication|

---

AU2012236091A1|2011-04-01|2013-10-17|Visa International Service Association|Restricted-use account payment administration apparatuses, methods and systems|

---

US9646291B2|2011-05-11|2017-05-09|Visa International Service Association|Electronic receipt manager apparatuses, methods and systems|US9953305B2|2012-10-22|2018-04-24|Oonetic|Online payment system and method according to the mirror authorization server principle|

---

US10636100B2|2013-02-27|2020-04-28|Vatbox, Ltd.|System and method for prediction of value added tax reclaim success|

---

JP5739941B2|2013-03-01|2015-06-24|東芝テック株式会社|Sales data processing apparatus, program, and receipt information processing method|

---

US20170200183A1|2014-07-09|2017-07-13|Manja Technologies Sdn Bhd|Systems and methods for providing a social media platform with a loyalty system|

---

FR3025910B1|2014-09-15|2016-11-11|Bull Sas|METHOD FOR STORING USER-RELATED DATA|

---

US10515420B2|2014-10-17|2019-12-24|Anders Michael Juul EJLERSEN|Method, system and software program for handling and storing purchase transactions between a user and a point-of-sale|

---

GB201508922D0|2015-05-26|2015-07-01|Michael David|Computer system for implementing a transaction payment|

---

JP6689632B2|2016-03-10|2020-04-28|東芝テック株式会社|Information processing device, tax exemption processing system, program, and tax exemption execution method|

---

US11023873B1|2017-03-31|2021-06-01|Square, Inc.|Resources for peer-to-peer messaging|

---

US10453056B2|2017-06-29|2019-10-22|Square, Inc.|Secure account creation|

---

DE102018108680A1|2018-04-12|2019-10-17|Bundesdruckerei Gmbh|A method for tamper-resistant storage of transaction data in a system with electronic cash registers and system|

---

JP6905112B2|2018-10-04|2021-07-21|東芝テック株式会社|Tax exemption processing system, information processing device and its program|

---

JP6884905B2|2020-04-06|2021-06-09|東芝テック株式会社|Electronic receipt management server, program and tax exemption processing method|

法律状态:
2015-11-30| AZW| Rejection (application)|

---

2016-01-29| AZW| Rejection (application)|

---

2016-04-29| NV| New agent|Representative=s name: ISLER AND PEDRAZZINI AG, CH |

---

2018-11-30| PL| Patent ceased|

---

2020-05-29| AEN| Modification of the scope of the patent|Free format text: :DIE PATENTANMELDUNG IST AUFGRUND DES WEITERBEHANDLUNGSANTRAGS VOM 04. APRIL 2016 REAKTIVIERT WORDEN. |

优先权:

---

申请号 | 申请日 | 专利标题

---

HK11104055|2011-04-21|

---

SG2011029170A|SG185158A1|2011-04-21|2011-04-25|Electronic receipt system|

---

CH7242011|2011-04-28|

---

CH8562011|2011-05-20|

---

CH9852011|2011-06-10|

---

CH10362011|2011-06-17|

---

US201161498941P| true| 2011-06-20|2011-06-20|

---

PCT/EP2012/057364|WO2012143547A1|2011-04-21|2012-04-23|Real time paperless payment control|

---