CN100587743C - 在销售点向顾客提供收据的方法和销售点终端 - Google Patents
在销售点向顾客提供收据的方法和销售点终端 Download PDFInfo
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Abstract
本发明包括在销售点,为商家和顾客自动生成经过验证的电子收据的系统,方法和程序产品。这些电子收据随后可代替纸质收据,被用于支出核算,用于征税,用于发送给会计和税务部门,以及用于现金流和预算的实时分析。本发明避免纸质收据的丢失,总是提供清晰的收据,消除了雇员主观性,提供大量的交易细节,消除了输入错误,降低了物理存储要求,促进连续支出跟踪,并使支出报告程序简易。另外,销售点终端能够把电子收据与关于支付方法的其它可用编码数据和信息,例如使用的支票或者纸币的图像结合起来。所述其它可用编码数据可使为了分离成预算、核算或税款类别的数据的分类更容易。
Description
技术领域
本发明涉及交易收据,更具体地说,涉及在销售点(point-of-sale)的电子收据的生成。
背景技术
企业管理要求仔细跟踪代表企业的雇员所发生的支出。雇员发生的支出可采取各种形式,例如差旅费和餐费。常规的支出跟踪包括雇主要求雇员报告支出,要求雇主的会计和税务部门收集雇员提交的支出报告,包括纸质收据。会计和税务部门随后组织并检查包括纸质收据在内的支出报告,并出于跟踪和征税目的,确定钱被花在何处。在一些情况下,雇主提供电子支出报告系统,雇员可把支出报告数据输入该系统中。
上述支出报告方法存在与纸质收据的使用相关的许多缺陷。首先,该方法要求雇员保留纸质收据,以便提交为支出报告的一部分。由于收据通常是小纸片,因此收据时常被丢失或者被破坏。一旦纸质收据不再可用,那么跟踪支出的好处就丧失了。其次,在一些情况下,雇主提供要求雇员根据纸质收据输入支出的电子报告系统。虽然在某些方面减轻了支出报告的负担,不过输入电子报告系统会产生许多问题。一种问题是即使最尽责的用户也易于产生输入错误。例如,电子报告系统的好处之一在于它允许输入支出分类。不幸的是,如同任何其它的数据输入一样,这些分类的输入易于出现录入错误,更重要的是,受雇员的主观性影响。由于多数雇员不知道会计和税务部门提供的无数支出分类的细节和含意,因此经常发生误分类。在没有提供电子报告系统的情况下,会计和税务部门必须评价纸质收据,这易于引起不连续的支出跟踪,并且课税年末赶紧收集数据。第三,许多情况下,由于纸质收据的局限性,例如大小的缘故,为了准确地报告支出,雇员必须提供单项物品细节,以便传递所有交易细节。在这方面,由于信任雇员诚实地详细说明纸质收据声称记录的交易细节,任何支出报告系统,电子的或者其它形式的支出报告系统易于欺骗。第四,类似于所有基于纸件的文件系统,纸质收据需要大量的存放空间,进一步增加了企业的支出。
为了使纸质收据的上述缺陷最小化,许多企业允许雇员使用信用卡支付业务支出。许多情况下,可以日期、商家、总账单,可能还有支出类别的形式,电子地向持卡者提供信用卡费用数据。该信息随后可被链接到特定的支出账目,以便跟踪。虽然该信息有用,不过信用卡系统一般不能收集、保存和提供为正确报告支出,通常需要的大量的交易细节,例如购买的单项物品,购买的物品的数目,购买者身份识别,物品描述等。已知因特网商家以电子形式提供更广泛的交易数据,例如日期、商家和购买的物品。但是,不是所有的购买都可利用信用卡或者通过因特网来完成例如,一些购买必须用现金或支票在销售点终端进行,在销售点终端,纸质收据是可以获得的唯一交易记录。令人惊讶地,在许多情况下,商家可能希望收集与交易相关的广泛的支出报告数据,以便进行生物统计评价,但是不愿意用所有必需的询问麻烦顾客。
鉴于上面所述,本领域中需要克服相关技术的问题,在销售点的电子收据的生成。
发明内容
本发明包括在销售点,为商家和顾客自动生成经过验证的电子收据的系统,方法和程序产品。这些电子收据随后可代替纸质收据,被用于支出核算,用于征税,用于发送给会计和税务部门,以及用于现金流和预算的实时分析。本发明避免纸质收据的丢失,总是提供清晰的收据,消除了雇员主观性,提供大量的交易细节,消除了输入错误,降低了物理存储要求,促进连续支出跟踪,并使支出报告程序简易。另外,销售点终端能够把电子收据与关于支付方法的其它可用编码数据和信息,例如使用的支票或者纸币的图像结合起来。所述其它可用编码数据可使为了分离成预算、核算(accounting)或税款类别的数据的分类更容易。
本发明的第一方面的目的在于在销售点向顾客提供收据的方法,所述方法包括下述步骤:接收包括收据目的地指令的收据指令;产生电子收据;和把电子收据传送给收据目的地。
本发明的第二方面的目的在于一种销售点终端,所述销售点终端包含进行销售的装置;和产生适合于传送给收据目的地的电子收据的装置。
本发明的第三方面的目的在于一种电子收据,所述电子收据包含:包括唯一的交易标识符的主关键字。
本发明的第四方面的目的在于一种数据库,所述数据库包含:包括收据目的地标识符和接收顾客完成的购买的电子收据的对应电子收据目的地的数据。
本发明的第五方面的目的在于一种计算机程序产品,所述计算机程序产品包含用于销售点终端的其中包含有计算机可读程序代码的计算机可用介质,所述程序产品包含:配置成进行销售的程序代码;和配置成产生电子收据的程序代码。
根据本发明的实施例的下述更详细说明,本发明的上述及其它特征将是明显的。
附图说明
现在将参考如下述附图中图解说明的本发明的优先实施例,举例说明本发明,其中:
图1表示销售点终端电子收据生成环境。
图2表示本发明的操作的流程图。
具体实施方式
只是为了清楚起见,下面的描述包括下述标题:I.概述-电子收据;II.电子收据的销售点终端生成;III.收据目的地;IV.操作;和V.结论。
I.概述-电子收据
本发明公开为商家和顾客,在销售点终端中自动产生经过验证的数字收据。这些收据随后可代替纸质收据,用于支出核算,用于开支的IRS/状态证明,用于发送给记账员/会计员,以及用于现金流和预算的实时分析。销售点终端能够把数字收据和与支付方法相关的其它可用编码数据和信息,例如用于支付的支票、信用卡正面、纸币的图像(或者账单的序列号)或者它们的组合物结合起来。所述其它可用编码数据能够使为了分离成预算、核算或税款类别的数据的分类更容易。
参考附图,图1是根据本发明的销售点电子收据生成环境10的方框图。在该环境中,顾客12走近销售点终端14(下面称为“POS终端14”),以便在POS终端14支付某些产品和/或服务的费用。顾客12可利用任何现在已知的或者以后提出的方法进行支付。例如,顾客12可使用现金16、支票18、信用卡20和/或智能卡22。顾客12还可使用其它公知的支付手段,例如礼券、商店卡等。顾客12还可包括用于与POS终端14通信的个人数字助理24(下面称为“PDA 24”)和/或另一支付方法。本领域中已知,PDA 24可以是任何手持式计算机系统,并且可以包括通信机构(未示出),例如红外线信号发射器/接收器。
现在说明环境10的概述-操作细节将在下面说明。开始,顾客12接近POS终端14,并由接受顾客的付款的POS终端操作员(未示出)接待。另一方面,在一些情况下,可允许顾客12操作POS终端14。总之,顾客12通过提供恰当的付款,支付产品和/或服务的费用。POS终端14可包括任何现在已知的或者以后开发的用于进行销售交易的组件。例如,POS终端14可包括:键盘、中央处理器(CPU)、监视器、条码扫描器、通信系统、信用卡验证系统、智能卡验证系统、PDA通信系统、现金抽屉等。一旦POS终端14结束销售交易,就根据本发明产生电子收据26。也可按照已知的方式生成常规的纸质收据(未示出)。
电子收据或者说数字收据26可包括任何最小数量的可用数据,所述可用数据构成数据库中的主关键字(即,唯一值),用于识别对应的交易。在一个实施例中,可构成主关键字的数据可包括唯一的交易标识。例如,唯一的交易标识可包括商家标识符与购买日期和购买时间至少之一的组合。但是,可以使用产生足以区分交易的唯一值(主关键字)的可用数据的任何组合。还可用另外的信息,例如商家ID、交易量、日期或者任何其它可以获得的数据增大电子收据26,从而产生其它形式的主关键字,或者提供超出构成主关键字所需信息之外的信息。举例来说,更稳健的电子收据26可包括下述字段:
:begin receipt. /*必需的字段*/
:purchase date. /*必需的字段*/
:time /*可选字段。如果提供的话,应为HH:MM:SS的形式,使用24小时时钟*/
:merchant ID. /*必需的字段*/
:issuedby. /*可选:发行代理,如果不同于商家.*/
:addr. /*可选:重复行;地址的每一行一个“:addr”标记*/
:phone. /*可选:商家的电话号码*/
:web. /*可选:商家的URL*/
:fax. /*可选:商家的传真号*/
:source. /*POS终端编号,职员ID,或者交易的其它唯一标识符*/
:transid. /*可选:该唯一交易的交易ID(如果存在的话*/
:document /*可选:文件编号,或者交易的其它唯一标识符,例如机票*/
:buyer. /*可选:重复行;关于顾客的每一行字符数据一个“customer”行*/
:merchant add. /*可选:重复行;每个另外的商家行一个“:merchantadd.”行*/
:payment type. /*必需。整数值,具有下述值之一:*/
/*00=现金*/
/*01=支票*/
/*02=记账卡*/
/*03=礼券*/
/*04=退款或调换*/
/*05=N/C*/
/*06=其它*/
/*07-99供另外的支付类型使用*/
:trans type. /*可选。字符字段,指示交易类型(亲自、电话、传真、电子邮件、web等*/
:chargecard. /*可选。记账卡类型的字符值,例如:“VISA:xxxx xxxxxxxx 3816”*/
:purchase total. /*必需。交易的总费用*/
:total tax. /*必需。与交易相关的税收的小计*/
:total tip. /*可选。总的小费(如果有的话)*/
:num items. /*必需。正整数。交易中的项目的数目*/
:item value. /*必需。“:item”标记的数目必须与“:num itesm”标记值相符*/
:item description. /*必需。“:item description”标记的数目必须与“:numitesm”标记值相符*/
:item date. /*可选。单个项目的数目,如果适用的话,例如,收费的日期,在某一旅馆。*/
:item type. /*可选。字符字段,指示记账卡、信用卡等。如果未指定,那么假定为记账卡*/
:image /*可选。用于付款的纸币或支票的图像*/
:end receipt.
诸如杂货店之类的许多零售商具有由顾客在购买时出示的用于获得折扣的商店卡。对于商店卡上的账户来说,相关信息可在申请商店卡时被收集,或者稍后通过基于web的系统或者其它输入系统被输入。
II.电子收据的销售点终端生成
继续参见图1,现在将说明POS终端14的细节。POS终端14包括成像器40,支票/货币插入器42,包括收据目的地取回器46的收据指令接收器44,包括验证数据发生器50的电子收据发生器48,发射器52和其它组件54。应认识到虽然图解说明了一个POS终端14,不过在环境10中可存在许多终端14。例如在大型零售商店中,存在许多POS终端14。
成像器40被配置成接收呈纸币或钞票形式的现金16,和/或支票18,以便扫描成图像。可根据同时待审的美国专利申请No.10/430025(在此引为参考)验证现金16。同样如该同时待审的专利申请中公开的那样,支票或钞票图像58可由支票/货币插入器42插入纸质收据28或电子收据26中,以便记载。
收据指令接收器46被配置成从顾客12接收收据指令60,并且可包括目的地取回器62(下面称为“取回器62”),下面更详细地说明。“收据指令”60包括收据目的地标识符64和内容标识符66。就通信形式来说,收据指令60呈物理形式或者电子形式地被收据指令接收器46接收。就前者来说,收据指令60可由顾客12口头表述,并由操作员输入POS终端14。就电子形式来说,收据指令60可收集自信用卡20(即,当信用卡号被用于取回其它数据时),收集自智能卡22,由顾客PDA 24或者某一其它电子通信机构发射。
收据目的地标识符64(下面称为“RDI 64”)是任何形式的明确指示,或者可被用于确定为特定顾客12的交易产生的电子收据26将被送往何处,即收据目的地65的数据。如果RDI 64明确表明收据目的地65,那么RDI 64可采取例如因特网协议(IP)地址,接收电子收据26的保存形式(即CD或磁盘)的邮送地址,或者能够由POS终端14,或者其相关商家用于转发电子收据26的任何其它地址的形式。如果收据目的地65未被明确表明,那么RDI 64可包括,例如:诸如顾客姓名之类的顾客标识;信用卡号;智能卡标识;PDA识别发射(例如红外波束);顾客的雇主的名称或者标识;商家的顾客标识等。这种情况下,取回器62访问收据目的地数据库68,收据目的地数据库68包括包含RDI 64和对应的收据目的地65的数据。例如,对于用作RDI 64的每个顾客标识(例如,IBM 123456[IBM是国际商用机器公司的注册商标]),对应的收据目的地被保存(例如,IP地址9.99.10.192)。
电子收据发生器48(下面称为“发生器48”)被配置成按内容指令66收集将在电子收据26中提供的顾客12所需的任何数据,并产生电子收据26。例如,根据上面举例说明的电子收据,发生器48会收集:交易日期和时间;商家名称;发行代理,如果不同于商家;商家地址;和上面列举的其它参数。如果正在使用一致同意的电子收据格式(例如,诸如在电子数据格式(EDF)中使用的之类标准),那么发生器48可为所有顾客按照相同的方式建立电子收据26。另一方面,基于内容指令66的个性化电子收据26也是可能的。这种情况下,例如,内容指令66可被用于从包括优选的电子收据格式的内容数据库70召回这样的数据。通过使用可扩展置标语言(XML)或类似语言提供用户定义的字段,可产生每种电子收据格式。
还可实现验证数据发生器50,提供交易验证数据72。“交易验证数据”72是可被用于确认电子收据26未被变更的任何数据,并且可包括,例如收据内容、日期、时间、商家标识、或者能够用于证明电子收据26的真实性的其它数据。验证数据72可被保存在商家系统74,供收据目的地65访问,或者单独地传送给收据目的地65。
提供发射器52,以便把电子收据26传送给收据目的地65。如上所示,电子收据26也可被传送给收据目的地65和/或商家系统74。另外,发射器52还可把验证数据72传送给收据目的地65。此外,如上所述,验证数据72可被保存在商家系统74,供收据目的地65访问。发射器52可包括任何现在已知的或者以后开发的传送电子数据的机构,例如调制解调器,数字信号线(DSL)、或者其它公知的通信系统,红外光束通信装置、局域网、广域网等。
其它组件54提供POS终端14的操作所必需的任何其它机构,例如进行销售的机构,例如键盘、中央处理器(CPU)、监视器、条码扫描器、通信系统、信用卡验证系统、智能卡验证系统、PDA通信系统、现金抽屉等。
III.收据目的地
继续参见图1,收据目的地65可包括各种设备和实体,或者它们的组合。例如,收据目的地5可包括顾客PDA 24。即,在POS终端14,电子收据26(由发射器52)传回给顾客12。收据目的地65可包括支付核算系统80,例如顾客雇主支出报告系统,顾客个人的支出跟踪系统(例如,Quicken,Microsoft,Money,TurboTax[Microsoft,Windows,Windows NT,和Windows标志是微软公司在美国、其它国家或这两者中的商标])和/或顾客会计支出跟踪系统。出于现金流和预算目的,电子收据26向支出核算系统80提供即时信息。
这些系统都可类似于常规的系统,但是包括利用电子收据26的机构。例如,支出核算系统80中包括任何现在已知的或者以后开发的机构,用于接收电子收据26,并自动把其内容应用于收据目的地65的恰当应用/领域,例如PDA 24的输入,顾客雇主支出报告系统,比如Quickbooks,或者顾客个人支出跟踪系统,比如Quicken,Microsoft,Money,TurboTax,或者其它应用。在另一例子中,支出核算系统80可包括能够把电子收据26上的每个项目组织到某一类别,例如衣服、食物、娱乐等的支出分类器82。在另一例子中,支出核算系统80可包括税收数据收集器84,用于收集电子收据中对税收重要的任何数据,例如销售税、可扣除支出、可扣除捐款、医疗费、大笔赠品等。虽然未示出特殊的模块,不过收据目的地65还可通过顾客的个人支出跟踪系统,提供个人支出的跟踪,与支出和扣除额相关的税收,以及全面的货币管理。例如,除了上面的支出的分类之外,收据目的地65还可包括为支出类别开销设置目标(即,预算)的机构,和比较发生的支出与目标,并标记超额的能力。共同帐户持有者能够利用收据目的地65(即,支出跟踪系统:个人,通过账户或者其它服务提供系统)为共同帐户保持准确的,最新的结余。按照这种方式,收据目的地65可被用于协调许多个人的开销,并防止债务问题。因此,支出跟踪不再依赖于个人记住输入支票数额或信用卡购买,以便即时查看结余。
收据目的地65还可包括税务机关86,例如美国国税局(IRS),州税务部门,国外的前述国税局、州税务部门或它们的组合。任意上述信息都可被直接转发给帐户(例如顾客的雇主的客户帐户以便记帐-未示出),以及恰当的话,还被转发给税务机关86。收据目的地65还可包括恰当的收据存储库以便长期存档。
就收据目的地数据库68、内容数据库70和收据存储器88来说,应认识到这些存储器可包含任何现在已知的或者稍后开发的数据存储系统和/或传输介质,包括磁性介质,光学介质,随机存取存储器(RAM),只读存储器(ROM),数据对象等,并且可驻留在单一的物理位置,包括一种或多种数据存储器,或者分布在多个物理系统间。
IV.操作
参见图2,现在说明上述发明的操作。在步骤S1,POS终端14接收收据指令60。收据指令60包括收据目的地指令(RDI)64,可能还包括内容指令66。步骤S1可包括根据RDI 64,从收据目的地数据库68取回收据目的地65。在步骤S2,POS终端14的发生器48产生电子收据26。步骤S3代表利用验证数据发生器50,在POS终端14产生收据验证数据72,并利用发射器52把收据验证数据72发射给收据目的地65的可选步骤。在步骤S4,电子收据26被传送给收据目的地65。该步骤还包括自动把电子收据26的内容应用于收据目的地65,例如支出核算系统80,比如顾客个人支出跟踪系统。步骤S5和S6代表可选步骤。在步骤S5,收据目的地65的税收数据收集器84从电子收据26收集税收数据。在步骤S6,收据目的地65的支出分类器82把电子收据26上的项目组织到支出类别中。
V.结论。
应认识到上述发明的组件被举例说明和描述成在特定的位置,不过它们可位于该环境内的不同地点,并且可通过高速通信被访问。因此,组件的位置不应被认为是限制性的。
在前面的讨论中,应明白讨论的方法步骤由执行保存在存储器中的程序产品的指令的处理器,例如POS终端14的CPU实现。显然这里描述的各种装置、模块、机构和系统可用硬件、软件或者硬件和软件的组合来实现,并且可以不同于如图所示那样被划分。它们可由任意类型的计算机系统或者适合于执行这里描述的方法的其它设备实现。硬件和软件的典型组合可以是具有计算机程序的通用计算机系统,当被加载和执行时,所述计算机程序控制计算机系统,以致计算机系统执行这里描述的方法。另一方面,可以使用专用计算机,所述专用计算机包含实现本发明的一个或多个功能任务的专门硬件。本发明也能嵌入计算机程序产品中,所述计算机程序产品包含能够实现这里描述的方法和功能的全部特征,并且当被装入计算机系统时,能够实现这些方法和功能。本语境中的计算机程序、软件程序、程序、程序产品或软件意味着一组指令的用任意语言、代码或符号表示的任意表述,所述一组指令使具有信息处理能力的系统直接地,或者在下述任一或下述二者之后执行特定的功能:a)转换成另一种语言,代码或符号;b)用不同的材料形式再现。
虽然结合上面概述的具体实施例说明了本发明,不过显然对于本领域的技术人员来说,许多备选方案、修改和变化将是显而易见的。因此,上面陈述的本发明的实施例只是例证性的,而不是对本发明的限制。在不脱离下述权利要求限定的本发明的范围的情况下,可做出各种改变。
Claims (17)
1、一种在销售点向顾客提供收据的方法,所述方法包括下述步骤:
接收包括收据目的地指令的收据指令;
产生电子收据;
把电子收据上的项目组织成支出类别;和
根据包括在所述收据指令中的所述收据目的地指令把电子收据传送给收据目的地。
2、按照权利要求1所述的方法,还包含在销售点产生收据验证数据,并把收据验证数据传送给收据目的地的步骤。
3、按照权利要求2所述的方法,其中收据验证数据至少包括下述之一:收据内容,日期,时间和商家标识。
4、按照权利要求1所述的方法,其中电子收据包括呈唯一交易标识形式的主关键字。
5、按照权利要求1所述的方法,其中收据目的地至少包括下述之一:个人数字助理,顾客雇主支出报告系统,税务机关,顾客个人支出跟踪系统,顾客会计支出跟踪系统。
6、按照权利要求1或2所述的方法,其中传送步骤还包括把电子收据的内容应用于收据目的地。
7、按照权利要求1所述的方法,还包括从电子收据收集税收数据的步骤。
8、按照权利要求7所述的方法,其中税收数据至少包括下述之一:支付的销售税和可扣除的支出。
9、按照权利要求1所述的方法,其中电子收据包括被用于在销售点进行购买的纸币、信用卡正面和支票至少之一的图像。
10、按照权利要求1所述的方法,其中接收步骤包括根据收据目的地指令,从收据目的地数据库取回收据目的地。
11、一种销售点终端,所述销售点终端包含:
进行销售的装置;
接收收据指令的装置,其中所述收据指令包括收据目的地标识符;
产生适合于传送给收据目的地的电子收据的装置;
把电子收据上的项目组织成支出类别的装置;和
根据包括在所述收据指令中的所述收据目的地标识符把所产生的电子收据传送给收据目的地的装置。
12、按照权利要求11所述的销售点终端,其中接收收据指令的装置包括根据收据指令中的收据目的地标识符,从收据目的地数据库取回收据目的地的装置,其中收据目的地数据库包括包含收据目的地标识符和对应的收据目的地的数据。
13、按照权利要求11所述的销售点终端,还包含产生收据验证数据的装置,其中传送装置还把收据验证数据传送给收据目的地。
14、按照权利要求13所述的销售点终端,其中收据验证数据至少包括下述之一:收据内容,日期,时间和商家标识。
15、按照权利要求11所述的销售点终端,其中电子收据包括呈唯一交易标识形式的主关键字。
16、按照权利要求11所述的销售点终端,其中收据目的地至少包括下述之一:个人数字助理,顾客雇主支出报告系统,税务机关,顾客个人支出跟踪系统,顾客会计支出跟踪系统。
17、按照权利要求11所述的销售点终端,其中电子收据包括被用于在销售点进行购买的纸币和支票至少之一的图像。
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TWI358676B (en) | 2012-02-21 |
US20040225567A1 (en) | 2004-11-11 |
US20070094088A1 (en) | 2007-04-26 |
CA2524062A1 (en) | 2004-11-18 |
JP2007528034A (ja) | 2007-10-04 |
CN1784699A (zh) | 2006-06-07 |
WO2004100027A2 (en) | 2004-11-18 |
KR100877375B1 (ko) | 2009-01-07 |
US20070106558A1 (en) | 2007-05-10 |
US20070094087A1 (en) | 2007-04-26 |
US7797192B2 (en) | 2010-09-14 |
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