KR20200027323A - Payback system using a receipt - Google Patents

Abstract

According to an embodiment of the present invention, provided are a payback system using a receipt and an application used therefor which may accumulate payback for a payment amount using a receipt with a QR code printed thereon. According to the present invention, a payback system using a receipt printed with an identification code comprises: a wireless terminal equipped with an identification code scanner capable of scanning the identification code printed on the receipt and a program executed to perform a service; an affiliated store terminal installed in a store selling products or providing services and performing a payment operation; a server interlocked with an application installed on the wireless terminal to be executed; a value added network (VAN) company server providing approval information to the server; and a card company server.

Description

Payback system using receipt with identification code {PAYBACK SYSTEM USING A RECEIPT}

The present invention relates to a payback system using a receipt printed with an identification code.

When a user requests payment with a credit card from an online or offline merchant, the payment information is transmitted to the credit card company to receive the result of approval. Credit card companies provide the remaining amount of credit card payments, which are approved as merchants, on the settlement date, excluding credit card fees. The user is charged the credit card payment amount, and the credit card payment amount is paid, and a predetermined point is provided to the user.

 On the other hand, points provided by credit card companies are accumulated only when the credit card is used, and when using other credit cards, points of the credit card company are accumulated. In order to solve this problem, in Patent No. 0853907, when a user pays for a credit card at a merchant, the payment is preliminarily discounted and approved, and the merchant is paid back to the original price to obtain a credit card company's approval. By collecting and managing the points of the user's credit card company instead, the discount is immediately used when using a credit card, thereby eliminating the inconvenience of using the points.

In addition, Korean Patent Registration No. 1409976 discloses a method of earning mileage points using a receipt and a mobile communication terminal, and in particular, discloses a method of accumulating points in the case of an electronic receipt.

According to an embodiment of the present invention, a payback system using a receipt capable of accumulating payback for a payment amount using a cash receipt and a card receipt may be provided.

According to an embodiment of the present invention, an app used in a payback system using a receipt that can accumulate payback for a payment amount using a cash receipt and a card receipt may be provided.

According to an embodiment of the present invention, a payback system using a receipt capable of accumulating payback for a payment amount using a cash receipt and a card receipt may be provided.

According to an embodiment of the present invention, an app used in a payback system using a receipt that can accumulate payback for a payment amount using a cash receipt and a card receipt may be provided.

According to one or more embodiments of the present invention, users can accumulate 100% payback for payments using cash receipts and card receipts. The accumulated payback can be used in cash at a predetermined rate over time.

1 is a view for explaining a payback system using a receipt according to an embodiment of the present invention.
2 and 3 are diagrams for explaining a QR code used in a payback system using a receipt according to an embodiment of the present invention.
4 is a view for explaining a point used in a payback system using a receipt according to an embodiment of the present invention.
5 and 6 are diagrams for explaining an app used in a payback system using a receipt according to an embodiment of the present invention.

The above objects, other objects, features and advantages of the present invention will be readily understood through the following preferred embodiments related to the accompanying drawings. However, the present invention is not limited to the embodiments described herein and may be embodied in other forms. Rather, the embodiments introduced herein are provided so that the disclosure may be made thorough and complete, and to fully convey the spirit of the invention to those skilled in the art.

The terminology used herein is for describing the embodiments and is not intended to limit the present invention. In this specification, the singular form also includes the plural form unless otherwise specified in the phrase. As used herein, 'comprises' and / or 'comprising' does not exclude the presence or addition of one or more other components.

1 is a view for explaining a payback system using a receipt with an identification code printed according to an embodiment of the present invention.

Referring to FIG. 1, the payback system using a receipt printed with the identification code includes an identification code scanner capable of scanning the identification code printed on the receipt and a program executed to perform a service according to the present invention (hereinafter, 'right' App ') is provided in a wireless terminal, a store that sells a product or service, and is a merchant terminal that can perform a payment operation, and a server for providing a service according to the present invention in conjunction with an app installed and executed in a wireless terminal. (Hereinafter referred to as a 'service server'), a VAN company server (hereinafter referred to as a 'bansa server') providing credit information to the server, and a card company server.

Here, the server includes hardware, software, and a computer processor. Software includes programs, and software can perform a given operation on hardware under the control of a computer processor.

Here, the identification code printed on the receipt For example, it may be a QR code or a barcode.

Here, the wireless terminal is a device having hardware and software resources capable of executing and installing an application program, such as a smartphone, and hardware and software resources capable of wired or wireless communication.

1, in this embodiment, the merchant terminal receives information for payment from a payment method such as a credit card and an amount to be paid from the merchant operator, and requests payment to the bansa server, respectively. Here, the merchant terminal may additionally transmit a payment request to the wireless terminal.

When a payment request is received from the merchant terminal, the bansa server makes an authorization request to the card company server. Upon receiving the approval request, the card company server determines whether to approve, and then sends a reply such as approval or disapproval to the bansa server.

The bansa server transmits the reply received from the card company server to the bansa merchant terminal, and the merchant terminal performs an operation according to the reply.

When the merchant terminal receives a reply from the bansa server to approve the payment (hereinafter referred to as an 'approval reply'), it performs an operation of printing a receipt including an identification code including approval information.

The wireless terminal may acquire the approval information included in the identification code by scanning the receipt including the identification code.

The wireless terminal that obtains the approval information through the identification code directly transmits the approval information and the accumulation request to the server.

Upon receiving the approval information and the accumulation request, the server may perform operations for accumulation. Here, the approval information will be described later through other drawings. The request for earning may include a phone number assigned to the wireless terminal, an app ID of the baro app installed on the wireless terminal, and / or a user ID received from a user when the baro app is installed on the wireless terminal.

Operations for accumulating performed by the server directly include, for example, the following operations.

The operation of checking the validity and duplication of the identification code, the operation of checking the validity period, and the operation of checking the user (number assigned to the wireless terminal-for example, a phone number -B, the owner of the wireless terminal, or installed on the wireless terminal It is an operation to immediately check the app ID, etc.), an operation to confirm an affiliate store, and / or an operation to accumulate in the corresponding account (predetermined account).

Here, the operation of confirming the validity and duplication of the identification code is an operation for preventing the accumulation of duplicate points by scanning the identification code printed on the receipt multiple times. For example, the server immediately recognizes and accumulates 1 approval information. To this end, when accumulating points in response to one piece of approval information, it is recorded on the storage device which approval information the points came from. Here, the storage device may be a storage device installed on a service server or separately provided and managed (stored, deleted, added, and changed).

The operation of checking the validity period is an operation for accumulating only within a predetermined period based on the payment date written on the receipt on which the identification code is printed. For example, if the accumulation period is set to 1 month, the service server determines whether the day when the approval information is received from the wireless terminal has passed 1 month from the payment date, and only earns points if it has not passed 1 month. . The operation for checking the validity period is an optional operation, and the practitioner who implements the present invention implements the service server to perform or not perform the operation for checking the validity operation (that is, when the accumulation period is unlimited). This is possible.

The operation of confirming the wireless terminal is for confirming to whom to accumulate points, and is an operation of confirming who to accumulate points. Specifically, information included in the approval information or information that can identify the entity that will accumulate points during the accumulation request may be used. For example, the service server may use the phone number, the app ID, and the user ID provided to the wireless terminal to check who will accumulate points.

The operation of accumulating in the corresponding account (predetermined account) is an operation of accumulating points for each user. The service server may store points for each user in a storage device provided in the service server or a storage device connected to and managed (stored, created, modified, and deleted) in the service server.

Hereinafter, description will be given with reference to FIGS. 1 and 4 together.

The service server accumulates 100% of the payment amount as points. Here, 100% is an exemplary value as a point conversion rate.

The service server also allows the accumulated points to be used like cash. According to the present embodiment, the accumulated points are converted into Payback cash by 1/2000 of the accumulated points based on the reference date (eg, the accumulated day). Here, 1/2000 is an exemplary value as 'cashback conversion rate'. Payback cash can be used at stores (online or offline stores) where Payback cash can be used.

For example, if the payment amount is 20 million won, the service server converts and manages the payback cash as much as the daily cashback conversion rate from the next business day. To this end, the service server may manage (save, create, modify, delete) Payback cash accounts in each user's storage device. In this case, 20 million won * 1/2000 every day, that is, 10 million won is converted into Payback cash every day, and 20 million won is converted into Payback cash every day after the base date.

The service server may, for example, preferably perform a Payback cash conversion operation every day.

The service server may also support conversion to cash if the payback cash exceeds the cash conversion standard. That is, the user can transfer or use it like cash through account transfer or card. For example, if the cash conversion criterion is 20500, if the amount of payback cash accumulated by the user is 20500 or more, the user transfers 20500 to his account or, if there is a payment card linked to the payback cash account, caches it through the card You can pay.

The service server may also support use in a shopping mall if the payback cash is greater than or equal to a shopping mall usage criterion. Here, the shopping mall is a store that can be linked with the bar app and purchase products or services using Payback cash.

The service server can also process payment amounts on behalf of a credit card company or a van company. That is, the service server may receive the approval information from the card company server or the vendor server, and transmit the payment amount to the merchant. Then, a payment is received from a card company later.

 2 and 3 are diagrams for explaining the QR code used in the system according to an embodiment of the present invention.

Referring to these drawings, in the system according to an embodiment of the present invention, an identification code such as a QR code may be used. In this embodiment, the QR code may include fixed information and approval information.

In this embodiment, the fixed information includes a unique number assigned to the QR code in the store terminal, and the approval information can include an approval date, an approval time, an approval number, a TID number, and an approval amount. 3 schematically shows a method of generating data in the present embodiment.

5 and 6 are diagrams for explaining an app used in a system according to an embodiment of the present invention.

Referring to these drawings, the app according to an embodiment of the present invention may display accumulated points, payback points converted into a cache, and usage history to the user. Although not shown in the drawings, points that can be transferred and used in cash can also be displayed.

In the above-described embodiments, the receipt paid by the card has been described as an example, but it is also applicable to the receipt issued when payment is made in cash. That is, an identification code including approval information, such as a QR code or a barcode, is also printed on a receipt that is settled in cash, and subsequent operations are performed as described above.

As described above, the present invention is not limited to the described embodiments, and various modifications and changes can be made without departing from the spirit and scope of the present invention, which will be apparent to those skilled in the art. Therefore, such modifications or variations will have to be belong to the claims of the present invention.

1: System

Claims (1)

In the payback system using a receipt with an identification code printed,
A wireless terminal equipped with an identification code scanner capable of scanning an identification code printed on the receipt and a program executed to perform a service according to the present invention;
A merchant terminal installed in a store selling products or services and capable of performing payment operations;
A server interlocked with an app installed and executed in the wireless terminal;
A bansa server providing approval information to the server; And
Card company server; includes,
When the merchant terminal receives information for payment from a payment method such as a credit card and an amount to be paid from the merchant operator, the merchant terminal makes a payment request to the bansa server, respectively.
When receiving a payment request from the merchant terminal, the bansa server makes an authorization request to the card company server,
Upon receiving the approval request, the card company server determines whether to approve, and then transmits a reply such as approval or disapproval to the vansa server,
The bansa server transmits the reply received from the card company server to the merchant terminal,
The merchant terminal is a payback system using a receipt with an identification code, characterized in that to perform the operation according to the reply.

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