RU2733090C1 - Method of transmitting an electronic receipt to a customer - Google Patents

Abstract

FIELD: data processing and transmission.

SUBSTANCE: invention relates to data processing and transmission, used mainly in retail trade, when performing operations using checkout equipment. Described is a method of transmitting an electronic check to a customer, in which an electronic check formed by a cash register technique, is transmitted to a customer through an intermediary device, wherein the merchant transmits the electronic receipt in the form of a ready file to the unique electronic address of the autonomous intermediate device, from where electronic receipt is relayed (redirected) to at least one receiving device (mobile device) of a customer, wherein the electronic check is stored on the intermediate device temporarily and removed from its memory after sending to the customer.

EFFECT: technical result consists in improvement of personal data protection during trade operations.

8 cl, 1 dwg

Description

Technology area

The invention relates to the field of data processing and transmission, used mainly in retail trade, when performing transactions using cash registers.

Technical problems

One of the technical problems, when carrying out transactions using cash registers, arising in the course of providing customers with electronic checks, using currently known methods, is the need to request and process personal contact information of the customer, such as a subscriber number or personal e-mail address, which can lead to adverse consequences both for the seller, for example, a violation of the legislation on the processing and storage of personal data, and for the buyer, for example, sending unsolicited marketing information to the email address provided by the buyer.

Another technical problem is that the seller obtains complete information about the buyer's profile and the purchases he makes, which allows unscrupulous sellers to use information about the buyer for their own purposes, regardless of his consent.

Another technical problem is the need to connect a special device for creating and transmitting a check to the cash register and / or updating the cash register software, which requires a long time to install such a device and additional organizational and financial costs to prepare a point of sale for installing such a device.

Another technical problem is the impossibility of automatic control of corporate expenses in organizations, for example, such as travel expenses, expenses of employees from corporate cards.

Additional technical problems when carrying out transactions using cash registers that arise during the provision of electronic checks to customers are: mandatory registration of the buyer on a remote server or mandatory installation of a mobile application, or mandatory provision of personal contact information (email address or subscriber number), the inability to transmit a check with a fiscal sign, which deprives the check of legitimacy, the inability to set up automatic control of the receipt of a check for each purchase without the need to print a paper check even if the buyer does not provide his personal contact information to receive the check (the buyer does not need a check), the inability to register the next transaction by the cash register in the absence of a signal from the mobile device about the receipt of an electronic check, the receipt by the bank card issuer of information about the buyer's profile and his purchases , which he can use for his own purposes (for example, analysis of the buyer's solvency when considering an application for a loan), the ability to receive an electronic check only when making payments with bank cards.

State of the art

From the patent of the Russian Federation No. 2605914, published on December 27, 2016, a method is known for processing data on cash payments and / or settlements using payment cards when operating cash registers (KKM) 1 with the functions of fixing and transmitting information, and the method includes the following steps: generation of information from data on settlements on a cash register machine (PFC), generation of a unique code for each check in a cash register, generation of a cryptographic verification code, signing information from data on settlements and a unique code of each check with a cryptographic verification code with the formation of fiscal data, encryption of fiscal data and storing encrypted fiscal data for each check in fiscal memory, sending encrypted fiscal data for each check from the cash register to the server of the fiscal data operator (OFD), decrypting fiscal data, checking fiscal data using a cryptographic code to identify falsification of fiscal data, saving in the database fiscal server data with simultaneous generation and encryption of the receipt of confirmation of receipt of fiscal data by the operator of fiscal data for each receipt, signing of each receipt with a fiscal sign, while it is possible to transfer an electronic receipt to the buyer from the FDO when providing e-mail / subscriber number before settlement, transmission of confirmation of receipt fiscal data from the server via communication channels to the cash register for each check in the form of a receipt with the receipt stored in the fiscal memory and the accumulation of fiscal data on all receipts and cash registers in the server's fiscal data base.

The disadvantages of the described solution are the need to provide personal contact information (email address or subscriber number) of the buyer to the seller, which implies additional time costs, the risk of incorrect data entry and, as a result, the buyer does not receive an electronic check, sending unwanted marketing and advertising information, violation of the law on personal buyer's data, the use of information about the history of purchases, without the consent of the buyer.

The closest in technical essence is the method of managing receipts at points of sale, described in US patent No. 8831981B2, published 09.09.2014. A method for managing receipts at points of sale (POS) includes the following steps: (a) generating receipt data on a cash register connected to the Internet regarding a completed transaction with a customer; (b) inserting the check data along with the unique identifier through a transaction into the image-based code; (c) simultaneously transmitting transaction data and a unique check identifier to a third-party server and displaying the code based on the display image of the peripheral device connected to the computing device; (d) scanning and decoding the code based on the image on the display using a camera built into the user's mobile device, thereby providing a partial amount of transaction data along with a unique check ID required to search and retrieve all transaction data on a third-party server.

The disadvantage of the described solution is the impossibility of transferring a check with a fiscal sign, which is assigned by a fiscal registrar, located most often in a check printer, which deprives the check of its legal status.

Another disadvantage of the described solution is the need to generate a unique transaction identifier at the cash register, generate a code based on the image, which would include part of the data from the check and the check identifier, as well as transfer the data to a third-party server. These functions can be cumbersome given that different cash registers use different, non-uniform software.

Another disadvantage of the described solution is the need to decrypt and reformat the transmitted data on the peripheral device to create a check in a readable format. Since different printers use different software for processing and transmitting data for printing, a peripheral device installed on a separate type of cash register (printer-cash register) may require additional software revision for correct decryption and formatting of data and presentation of a receipt in the form of a ready file in a readable format.

The essence of the invention

These technical problems are solved due to the fact that in the proposed method of transferring an electronic check to a buyer, in which an electronic check generated by cash registers is transferred to the buyer through an intermediate device, according to the invention, the seller transfers the electronic check in the form of a finished file to a unique the electronic address of an autonomously installed intermediate device, from where the electronic check is relayed to at least one receiving device of the customer, while the electronic receipt is temporarily stored on the intermediate device and removed from its memory after being sent to the customer.

Also, these technical problems are solved due to the fact that in another embodiment of the invention, a stationary device or a mobile device is used as at least one receiving device. In the latter case, the intermediate device is connected to the mobile device by wireless communication means.

Also, these technical problems are solved due to the fact that in another embodiment of the invention, cash register equipment, an intermediate device and receiving devices are connected to the Internet.

Also, these technical problems are solved due to the fact that in another embodiment of the invention, optical codes containing unique identification numbers and electronic addresses of the receiving devices are read from the mobile device using the scanning and decryption means provided with the intermediate device.

Also, these technical problems are solved due to the fact that in another embodiment of the invention, when sending an electronic check to the receiving devices, the identification number of the mobile device from which the optical code was read is reported.

Also, these technical problems are solved due to the fact that in another embodiment of the invention, on at least one receiving device, using a software application, they perform functions of storing, searching and retrieving electronic receipts, as well as analyzing expenses based on the received electronic checks.

According to the proposed method, when sending a check to the operator of fiscal data, a unique e-mail address of an intermediate device assigned to the cash register on which the check was created is automatically indicated. Thus, the intermediate device receives an electronic check with a fiscal attribute in the form of a file ready for reading and / or printing, which is redirected to the buyer without requesting his personal contact information (email address or subscriber number). Control over the provision of a check for each purchase can be implemented in the proposed method by setting the option of sending an electronic check as the main default on the cash register software. At the same time, the option of mandatory printing of a receipt can be disabled in the settings on the cash register software. Further, in one of the possible embodiments of the method, for the subsequent relaying (forwarding) of the electronic check to the customer, the intermediate device recognizes and decrypts the impersonal customer identifier obtained in the pre-installed mobile application from the optical matrix code (QR code) provided by the customer. The received impersonal identifier is temporarily stored in the memory of the intermediate device, until the moment of relaying (forwarding) the electronic check to the buyer. After successful retransmission (forwarding), the received receipt data and the impersonal customer identifier are deleted from the intermediate device memory. Thus, the check data and the impersonal customer identifier are stored in the device memory temporarily, either until the electronic check is relayed (forwarded) to the customer, or until the next electronic check arrives at the intermediate device.

Description of drawings

Figure 1 shows a diagram of data exchange between a seller and a customer in accordance with the claimed method of transmitting an electronic check to a customer.

1 - cash register (cash desk).

2 - the stage of transferring an electronic check in the form of a finished file to a unique e-mail address of an autonomously installed intermediate device.

3 - intermediate device.

4 illustrates the step of the customer providing an optical matrix code for recognizing and decrypting the required impersonal customer identifier.

5 - stage of relaying (forwarding) an electronic check to the receiving device (mobile device) of the buyer.

6 - receiving device (mobile device) of the buyer.

Implementation of the invention

One of the possible ways to implement the invention is as follows.

The intermediate device (3) can be installed at a point of sale with a cash register (1) and must be connected to the power supply and the Internet. Optionally, in order to improve the efficiency of the method implementation, in the cash register software settings, it is necessary to set the intermediate device email address as the main one by default.

A corresponding mobile application must be installed on the buyer's mobile device (6), in which the buyer will be automatically assigned an impersonal identifier, also presented in the form of a QR code.

After completing the purchase and generating the initial data for the cashier's check, the cashier selects the option "send an electronic check" and indicates the email address of the intermediate device installed directly at the cash register. Through the cash register software settings, the option to send an electronic check can be selected by default as the main, instead of printing a check, and the e-mail address of the intermediate device is specified in the address bar for sending a check as the main default.

Then the cash register electronic check is sent by the fiscal data operator to the specified e-mail address of the intermediate device.

Further, the electronic check goes to the intermediate device. Upon a signal from an intermediate device (sound signal, inscription on the display), the customer demonstrates his QR-code generated in the previously installed mobile application, directing it to the display of the intermediate device.

Further, using a photo scanner, the intermediate device reads and decrypts the QR code. The impersonal identifier obtained in this way is used as the address for transferring the electronic check to the buyer. An impersonal customer identifier is stored only temporarily, until the electronic check is sent.

In the buyer's mobile application, electronic receipts are stored, searched and sorted, as well as other electronic receipts management.

Also, when implementing the invention, alternative ways of receiving an electronic check by a customer are possible. For example, receiving a receipt directly to the customer's device, which does not require installing a mobile application. For example, by transferring data via NFC.

Alternatively, it is possible for the customer to receive an electronic check by scanning the QR code displayed on the display of the intermediate device. In this case, the QR code, in this case, will contain a link to posting a check on a remote server. After scanning this QR code, provided the buyer's mobile device is connected to the Internet, the buyer's mobile device is automatically redirected to a resource on the Internet that contains information about the receipt and the option to download an electronic receipt, for example, in Pdf format.

Alternatively, it is possible for a customer to receive an electronic check through a mobile application by manually entering a customer ID, by manually entering an impersonal customer identifier directly on an intermediate device.

The method of electronic submission of checks allows you to control the spending of corporate funds, for example, travel expenses, expenses of employees from corporate cards.

The process of controlling corporate expenses using the method of transmitting electronic checks through an intermediate device is carried out as follows. The organization installs special software. After installing the software, a single email account is assigned to the organization. The installed software adds IDs for each employee of the organization. Each employee ID is assigned a unique employee email address. The employee installs a mobile application on a personal mobile device and enters the corresponding ID generated on the software of the organization where he works. The mobile application generates a QR code that contains the email address of the organization where the employee works and the employee ID. After making a purchase, the device reads and decrypts the code and sends the check to the organization's email address, indicating the employee ID. Upon receipt of a check, the organization's software redirects the check to the employee's email address, in accordance with his ID.

Thus, the totality of the essential features of the claims of the claimed invention provides a solution to technical problems and disadvantages of analogues.

The technical results of the claimed invention are:

1. Device autonomy: the method is implemented when the device operates autonomously from the cash register, namely, the device does not interface with the cash register, therefore, the cash register does not have access to the data transferred to the device.

The implementation of the method for transferring an electronic check from a cash register to a device does not require any technical integration, pairing the device with a cash register, and installing auxiliary software on the cash register.

2. Buyer's anonymity: the buyer does not provide his personal contact information (email address or subscriber number) either to the store or to an intermediate device. The check is transmitted to the buyer by scanning a QR code with a link to the check.

Claims (8)

1. A method of transferring an electronic check to a buyer, in which an electronic check generated by cash registers is transferred to the buyer without providing personal contact information through an intermediate device, characterized in that the seller sends the electronic check in the form of a finished file to a unique e-mail address set autonomously an intermediate device, from where the electronic check is relayed to at least one receiving device of the customer, wherein the electronic check is temporarily stored on the intermediate device and removed from its memory after being sent to the customer. 2. The method according to claim 1, characterized in that a stationary device is used as the at least one receiving device. 3. The method according to claim 1, characterized in that a mobile device is used as at least one receiving device. 4. The method according to claim 3, characterized in that the intermediate device is connected to the mobile device by wireless means of communication. 5. The method according to claim 1, characterized in that the cash register equipment, intermediate device and receiving devices are connected to the Internet. 6. The method according to one of paragraphs. 3-5, characterized in that optical codes containing unique identification numbers and electronic addresses of the receiving devices are read from the mobile device by means of scanning and decryption means provided with the intermediate device. 7. The method according to claim 6, characterized in that when the electronic check is sent to the receiving devices, the identification number of the mobile device from which the optical code was read is reported. 8. The method according to one of paragraphs. 1-7, characterized in that at least one receiving device, using a software application, performs the functions of storing, searching and retrieving electronic receipts, as well as analyzing expenses based on the received electronic receipts.

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