Electronic invoice management system

Abstract

A system (10) for automatic invoice data management comprises at least one buyer terminal (12), at least one buyer payment device (14), at least one seller payment receiving device (16), at least one seller processing and / or computing device (18), at least one central server unit (20) and at least one communication network (22), wherein the buyer terminal (12), the seller payment receiving device (16), the seller processing and / or computing device (18) and the server unit (20) are data-connected via the communication network (22), wherein the seller payment receiving device (16) has at least one capturing module (24) for capturing invoice document data and associated buyer-seller relay data, which relay data can be transmitted by the seller payment receiving device (16) to the server unit (20) via the communication network (22), and the invoice document data can be automatically transmitted by the server unit (20) to the buyer terminal (12) and to the seller processing and / or computing device (18).

Description

Technical Field

[0001] The present invention relates to a system for automatic invoice data management, the system comprising at least one buyer terminal, at least one buyer payment device, at least one seller payment receiving device, at least one seller processing and / or computing device, at least one central server unit, and at least one communication network, wherein the buyer terminal, the seller payment receiving device, the seller processing and / or computing device, and the server unit are connected to each other via the communication network. Background Technology

[0002] To simplify electronic payment transactions between buyers and sellers, a system for automatic invoice data management is proposed. This system is specifically designed to automatically send the specific invoice data associated with the electronic payment transaction to both the buyer and seller once the electronic payment transaction is correctly executed. Systems for automatic invoice data management are known from the prior art.

[0003] DE 10 2010 038 729 A1 discloses a system for electronically capturing invoice data for cost accounting, the system including means for establishing cost accounting, the cost accounting including invoice data; and means for electronically capturing the invoice data and transmitting it to a data processing device.

[0004] DE 20 2016 007 650 U1 further discloses an electronic transmission device including a near-field communication interface, which connects to an existing cash system for wirelessly transmitting electronic ESC / POS invoice data to and from a mobile terminal, and wirelessly transmitting the data to the mobile terminal for reception via the near-field communication standard. In this process, the device should be understood as a printing device external to the cash system; therefore, no fundamental changes to these devices are required, only connection to the proposed device.

[0005] However, existing systems for invoice data management are not equipped with the ability to automatically send the corresponding invoice data to both the buyer and seller after a successful electronic payment transaction, and to centrally manage the data. Summary of the Invention

[0006] The purpose of this invention is to further develop an automated invoice data management system of the above type in a beneficial manner, particularly in that it can more easily and efficiently manage and further provide invoice data of both the buyer and seller.

[0007] According to the present invention, this objective is achieved by an automated invoice data management system. Accordingly, a system for automated invoice data management includes at least one buyer terminal, at least one buyer payment device, at least one seller payment receiving device, at least one seller processing and / or computing device, at least one central server unit, and at least one communication network. The buyer terminal, the seller payment receiving device, the seller processing and / or computing device, and the server unit are connected via the communication network. The seller payment receiving device includes at least one capture module for capturing invoice document data and associated buyer-seller relay data. Since at least one electronic payment transaction has been correctly executed through the buyer payment device and the seller payment receiving device, the invoice document data and the buyer-seller relay data can be transmitted from the seller payment receiving device to the server unit via the communication network. The server unit has at least one invoice database unit for storing the invoice document data, which can be automatically transmitted from the server unit to the buyer terminal and the seller processing and / or computing device via the communication network.

[0008] This invention is based on the following fundamental concept: Since invoice data and associated relay data generated from electronic payment transactions between buyers and sellers can be transferred to a server unit, they can be centrally stored in the server unit and automatically transmitted to both parties via the communication network. This allows both parties to immediately check whether the relevant payment transaction has been correctly executed based on the invoice data after a purchase or sale. On the one hand, this makes electronic money transactions between buyers and sellers significantly more secure, transparent, and efficient, thereby simplifying transactions. On the other hand, the transmission of electronic invoice data means that no printing is required, which further reduces the workload of invoice data management for both parties. Furthermore, by eliminating these printing outputs, expensive and material-intensive resources, such as printers and corresponding printer paper, can be saved. Essentially, relevant business documents (such as invoices) can be carried digitally anytime, anywhere, or these documents can be accessed virtually anytime, anywhere.

[0009] Furthermore, it is particularly conceivable that the buyer and seller can store the invoice data sent to them on their respective processing and / or computing devices. However, the buyer and seller can also access, download, and manage the invoice data stored in the server unit via their respective processing and / or computing devices.

[0010] Furthermore, it is conceivable that systems for automated invoice data management are also configured and designed to allow invoice receipts or invoice document data to provide warranties and / or guarantees for the purchased products within the context of the warranty or guarantee. In the case of a warranty or guarantee, the system can be used to digitally carry the relevant receipts for easy access anytime, anywhere. For example, it is conceivable to simply transfer this data directly from the system to the appropriate module, such as in the seller's processing and / or computing device. In particular, it is conceivable that this data can be accessed via the buyer's terminal and thus presented digitally. Therefore, there is no longer a need to carry paper receipts, etc.

[0011] In this regard, providing the relevant tax documents directly could also be considered.

[0012] Furthermore, it can be considered that subsequent orders or returns can be processed through the system.

[0013] Furthermore, the server unit may include at least one invoice data analysis module, which is connected to the invoice database unit. This module can determine creditworthiness and / or VAT rates and / or business tax rates based on stored invoice data, and / or track the history of invoice data. Specifically, the invoice data analysis module can evaluate or analyze invoice data from numerous invoices, thereby providing buyers and sellers with detailed and accurate information about their electronic transactions (e.g., specific time periods, expenditure items, certain regions or countries, or which trading partners). Additionally, the evaluated invoice data can be used in conjunction with credit granting or insurance contract signing to make lenders' or insurance companies' decisions regarding credit granting or insurance policies more effective. Furthermore, the invoice data analysis module can evaluate invoice data to take into account reward or loyalty point systems agreed upon between buyers and sellers, and combine the corresponding reward and loyalty point data with the invoice data.

[0014] Furthermore, it is conceivable that the server unit includes at least one user profile database unit and at least one user profile data analysis module interconnected by data, wherein unique buyer profile data and unique seller profile data are stored in the user profile database unit, and wherein if the user profile data analysis module correctly matches the buyer profile data with the seller profile data, the buyer terminal and the seller payment receiving device establish a data connection with the server unit. This comparison of the buyer profile data and the seller profile data by the user profile data analysis module significantly improves the security of access to the server unit by the buyer terminal and the seller payment receiving device. This improved access is particularly important and advantageous for highly sensitive data such as invoice data. In particular, encrypting or encoding the access of the buyer terminal and the seller payment receiving device to the server unit via the communication network further improves access security. It is also conceivable that invoice data could also be encrypted or encoded in this case.

[0015] It is also conceivable that the system is set up and designed to handle financial transactions between buyers and sellers. It is conceivable, for example, that so-called "digital payments" can be made via the buyer's terminal. However, it is also conceivable that the payment flow could also operate in the opposite direction, i.e., from the seller back to the buyer. This is particularly advantageous because, in this case, repayments or refunds can be made, for example.

[0016] It is also conceivable that the buyer's terminal is a personal computer, tablet, smartphone, and / or smartwatch, the seller's payment receiving device is a card reader, and the buyer's payment device is a debit card. By designing the buyer's terminal in this way, the buyer can continuously access the invoice data he / she can select, which is particularly advantageous for the buyer in terms of fast and efficient invoice data management and overall invoice data overview. In particular, the buyer's terminal can be advantageously designed as a mobile terminal. This makes it particularly easy for the buyer to access and manage the relevant invoice data from any location. Furthermore, the debit card and the correspondingly adapted card reader are standardized devices for processing electronic payment transactions between buyers and sellers. This is particularly advantageous for both parties in terms of transaction security, transaction costs, and transaction management.

[0017] Furthermore, the user profile database unit can store buyer's bank account data and seller's bank account data, which can be combined with the buyer's profile data and seller's profile data respectively through the user profile data analysis module. Therefore, since several bank accounts can be combined with the buyer's profile data and seller's profile data through this combination, the workload of both the buyer and seller in managing invoice and document data can be further reduced.

[0018] The assignment of bank statements or other bank account data can also be automated. For example, a corresponding display module could be configured on the buyer's terminal, allowing direct online viewing of all bank data and enabling direct access to relevant financial data.

[0019] The display processing can be completed online in real time.

[0020] Another possibility is to provide corresponding warnings for financial transactions, which means, for example, displaying the debit entry as a message on the buyer's terminal.

[0021] Furthermore, it can be stipulated that the invoice data analysis module and the user profile data analysis module are in a data-connected state, allowing the buyer's profile data and the seller's profile data to be combined with the corresponding invoice document data to generate buyer-linked data and seller-linked data. In particular, due to this combination, more detailed information about the invoice document data of both the buyer and seller can be determined through the invoice data analysis module and the user profile data analysis module, thereby further improving the management of invoice document data. Alternatively, it is conceivable to design the invoice data analysis module and the user profile data analysis module as a combined data analysis module. This allows for the sharing of many components, thereby increasing the power density of such a data analysis module.

[0022] Alternatively, the invoice data may include multiple relay data points containing payment information such as payment amount, buyer, seller, and VAT and / or business tax numbers. Relay data is particularly advantageous for large volumes of invoice data because it allows for clear aggregation, enabling rapid and efficient recording, management, and processing by the invoice data analysis module.

[0023] Furthermore, since the buyer and seller have confirmed the payment amount, and since at least one electronic payment transaction has been correctly completed, the invoice data and / or retailer receipt data for at least one card transaction can be automatically transferred to the server unit via the communication network through the seller's payment receiving device, and can be transferred back to the buyer's terminal and the seller's processing and / or computing device. Therefore, further security steps can be provided, which further reduce the error rate of electronic payment transactions, thereby enabling fast, transparent, and particularly secure electronic financial transactions between buyers and sellers.

[0024] Furthermore, the invoice data analysis module can automatically calculate turnover and / or VAT data based on invoice document data and combine it with the invoice document data. This tax calculation method is particularly advantageous for commercial sellers, as an automated invoice data management system can, for example, securely, easily, and quickly determine the turnover and / or VAT amount required for a VAT refund. This may also be of interest to buyers who request direct access to this data or documents as commercial buyers.

[0025] The system can also be set up and designed to integrate online stores. For example, invoices can be transferred directly online from the seller's system to the buyer's system, and preferably, they can also be directly and accurately saved and stored.

[0026] In this case, a "direct payment" function can also be provided.

[0027] Furthermore, it can be stipulated that the invoice data analysis module allows for the automatic calculation of VAT and / or business tax rates and currencies for various countries based on the invoice data, and combines this with the invoice data. Given the increasingly globalized economic activities of commercial sellers, and especially since commercial sellers have legitimate economic interests, this ensures that the calculation of business tax for foreign economic activities can also be further accelerated and simplified. These requirements can be met quickly and efficiently, particularly for automated invoice data management systems, which is especially beneficial to users. Buyers may also be interested in this, for example, if they must calculate relevant tax rates.

[0028] Furthermore, the user profile data analysis module allows for the combination of buyer profile data with at least one buyer email account and seller profile data with at least one seller email account. This enables the automatic transmission of relevant invoice data to both the buyer and seller via email through a communication network connecting the server unit to the buyer's terminal and the seller's processing and / or computing devices. Providing invoice data via email significantly simplifies the management of invoice data for both parties. Therefore, invoice data can be securely and encrypted for quick and easy forwarding to each recipient.

[0029] It is also conceivable that the user profile data analysis module allows buyer and seller profile data to be combined with other email accounts so that invoice data can be transmitted via email to tax advisors, auditors, tax authorities, or airport departments for turnover and VAT transactions. This feature of the automated invoice data management system is particularly advantageous in tax matters. This is because the system specifically allows business buyers and sellers to forward assessed or analyzed invoice data directly, and therefore particularly quickly and efficiently, to tax advisors, auditors, and tax authorities. This also makes tax audits more efficient, as they can be conducted electronically or digitally, and with greater transparency. Further functionality of this system is particularly important for buyers and sellers who frequently transfer goods or services purchased in a first country to a second country with different VAT or sales taxes. In this case, the system can automatically analyze the relevant invoice data and use it to formulate appropriate VAT or sales tax claims during transit (e.g., at airports or customs). These messages can then be forwarded directly via email or similar transmission units, such as online fax, SMS, or any other messaging service, which also speeds up and simplifies the process.

[0030] Alternatively, buyers and sellers can manually store invoice data sent to them via email on the server unit using the buyer's terminal and the seller's processing and / or computing devices. If neither party wishes to have the invoice data automatically stored on the server, they can first email it to themselves, allowing them to manually decide whether the data should be stored locally or additionally / alternatively on the server unit. This feature enhances the control over smaller volumes of invoice data management for both parties, as they have the individual freedom to determine the storage of invoice data.

[0031] Furthermore, it can be stipulated that invoice data manually selected by both the buyer and seller can be deleted via the buyer's terminal and the seller's processing and / or computing devices. This allows both parties to specifically delete invoice data that is unimportant, prohibited, or no longer needed for further business activities. This can further optimize the management work of both parties or the processing speed and storage space of server units, especially when the volume of invoice data is large.

[0032] It is also conceivable that the user profile data analysis module allows for the combination of buyer profile data with at least one buyer username and at least one buyer password, and seller profile data with at least one seller username and at least one seller password. This particularly enhances the security of invoice data, which is centrally stored on a server unit and categorized as highly sensitive. Furthermore, it is advantageous that several authorized individuals can access the invoice data using their respective usernames and passwords.

[0033] Furthermore, it's conceivable that invoice data can be categorized into various storage folders within the invoice database unit using an invoice data analysis module. This allows for further optimization of invoice data management. Consequently, different invoice data can be stored and retrieved in a particularly clear and simple manner within different folders (e.g., food, clothing, entertainment, furniture, medicine, health). This categorization is especially beneficial for external service providers in tax calculations (e.g., tax advisors or auditors), as the increased clarity simplifies their work.

[0034] Furthermore, the server unit may include a search engine module, which is data-connected to the invoice data analysis module and the user profile data analysis module. This allows for searching the invoice database unit and the user profile database unit according to specific search criteria, which can be transmitted to the search engine module via a communication network from the buyer's terminal and / or the seller's processing and / or computing device. The search engine module further simplifies the management of invoice document data. Finally, both buyers and sellers can easily find and use invoice document data assigned to specific search criteria (e.g., name, address, country, VAT number or tax number, product, barcode, matrix code, date, or amount). This also applies to external service providers, such as tax advisors, tax authorities, or auditors, as it also simplifies their work.

[0035] Furthermore, the invoice data analysis module allows for the automatic consideration of debit orders with discounts and / or reductions based on invoice data, and its integration with the invoice data. Since discounts or reductions are particularly common in buyer-seller relationships with sufficiently large order volumes, this functionality further simplifies payment processing between buyers and sellers. It also increases transparency for both parties, as they can quickly check whether negotiated discounts or reductions have actually been considered in the payment processing.

[0036] Furthermore, it's conceivable that both the buyer's terminal and the seller's payment receiving device include NFC interfaces. If the buyer's terminal is a mobile terminal, it is typically equipped with an NFC interface. By using the corresponding NFC interface, at least for the buyer, the need for payment devices such as debit cards is eliminated. This makes the payment process more intuitive and simpler, especially for the buyer. Moreover, NFC technology offers a wide range of application possibilities in many industrial and commercial sectors. Additionally, due to its short-range limitations, NFC technology provides particularly secure data transmission because, unlike WLAN-based transmission technologies, NFC does not transmit data over a larger radius, making misuse more difficult. Furthermore, encrypted data transmission can be easily achieved using NFC technology.

[0037] Furthermore, it can be envisioned that the system for automated invoice data management includes at least one seller cash payment receiving device. This device also includes an invoice document data capture module and an identity capture module for cash payments from buyers. Therefore, the identity capture module can capture the identity data of at least one cash buyer and transmit it to the invoice document data capture module. During the cash payment process, the latter combines the generated invoice document data with the buyer's identity data to form cash payment invoice document data and associated relay data. The identity capture module can capture the buyer's identity data during the cash payment process using a code, ID card, or other identification document that can be captured by the buyer's terminal device. The seller cash payment receiving device also connects to a server unit via a communication network; in other words, the seller cash payment receiving device can associate each cash payment with at least one buyer's identity. Additionally, the resulting cash payment invoice document data can be transmitted to the server unit via the communication network. As a result of at least one electronic payment transaction, the cash payment invoice document data transferred to the server unit can be managed in the same or similar manner as the aforementioned invoice document data. Specifically, cash payment invoice data can be stored in an invoice database unit and automatically transmitted by the server unit to the buyer's terminal and the seller's processing and / or computing device via a communication network. Furthermore, invoices can be scanned via a scanning module, thus making them usable within the system.

[0038] Furthermore, it is conceivable that a system for automated invoice data management has at least one encryption module. Therefore, the seller's payment receiving device and the server unit can each have an encryption module. The encryption module can be specifically configured to encrypt all data managed by the system (e.g., invoice data and associated relay data, buyer profile data, seller profile data, buyer's bank account data, seller's bank account data, invoice data, retailer receipt data, business tax data, and / or value-added tax data). The encrypted data can thus be transmitted in encrypted form over a communication network. Encryption methods that can be used can be symmetric, asymmetric, or hybrid encryption methods. Examples of symmetric encryption methods include DES, 3DES, IDEA, CAST, RC4, RC5, RC5a, RC6, A5, Blowfish, Twofish, and / or AES. Examples of asymmetric encryption methods include Diffie-Hellman, RSA, and / or ElGamal. Examples of hybrid encryption methods include PGP and combinations of the above-mentioned symmetric and asymmetric encryption methods. Furthermore, the buyer's terminal, the seller's processing and computing device, and the server unit are configured to decrypt the encrypted data. System management data can also be end-to-end encrypted. Examples of end-to-end encryption include OpenPGP, S / MIME, signaling protocols, OTR, OMEMO, and / or ZRTP / SRTP. Encryption particularly enhances the security of system management data, reliably preventing unauthorized access by third parties. Attached Figure Description

[0039] Further details and advantages of the invention will now be described based on exemplary embodiments shown in the accompanying drawings, in which:

[0040] Figure 1 A schematic diagram showing an exemplary embodiment of the automatic invoice data management system according to the present invention is displayed.

[0041] Figure label:

[0042] 10 Automatic Invoice Data Management System

[0043] 12 Buyer Terminals

[0044] 14 Buyer's payment device

[0045] 16. Seller's payment receiving device

[0046] 18. Seller's processing and computing device

[0047] 20 server units

[0048] 22 communication networks

[0049] 24. Capture module for capturing invoice and document data

[0050] 26 Invoice Database Units

[0051] 28 Invoice Data Analysis Module

[0052] 30 User Profile Database Units

[0053] 32 User Profile Data Analysis Module

[0054] 34 Search Engine Module Detailed Implementation

[0055] Figure 1 A schematic diagram of an exemplary embodiment of a system 10 for automatic invoice data management according to the present invention is shown.

[0056] The system 10 for automatic invoice data management includes a buyer terminal 12, a buyer payment device 14, a seller payment receiving device 16, a seller processing and computing device 18, a central server unit 20, and a communication network 22.

[0057] It is also conceivable that the buyer's terminal 12 may be or be connected to a printer, through which receipts can also be printed. For example, this would allow the receipts to be used by tax and / or tax authorities.

[0058] The system can also be used to identify cash withdrawals and print corresponding receipts.

[0059] According to another exemplary embodiment, the system 10 for automatic invoice data management may additionally or alternatively include a seller cash payment receiving device. Figure 1 (Not shown in the image).

[0060] The seller's cash payment receiving device may also have an invoice document data capture module and an identity capture module for cash payments from the buyer. Figure 1 (Not shown internally). Buyer terminal 12, seller payment receiving device 16, seller processing and computing device 18, and server unit 20 are in a data connection state via communication network 22.

[0061] Buyer terminal 12 is a personal computer, tablet, smartphone or smartwatch.

[0062] The seller's payment receiving device 16 is a card reader or an ATM.

[0063] In addition, the buyer's payment device 14 is a debit card.

[0064] According to another exemplary embodiment ( Figure 1 (Not shown in the image), the buyer terminal 12 and the seller payment receiving device 16 may also each have an NFC interface.

[0065] If the seller payment receiving device 16 is implemented as a card reader, the NFC interface can be integrated into the card reader.

[0066] If the buyer terminal 12 has an NFC interface, then the buyer terminal 12 is specifically designed as a mobile buyer terminal 12.

[0067] The seller payment receiving device 16 also has a capture module 24 for capturing invoice data and related relay data between the buyer and seller.

[0068] Server unit 20 also includes invoice database unit 26 and invoice data analysis module 28.

[0069] The invoice data analysis module 28 and the invoice database unit 26 are connected by data.

[0070] Server unit 20 also includes user profile database unit 30 and user profile data analysis module 32 connected to each other.

[0071] The invoice data analysis module 28 and the user profile data analysis module 32 are also connected via data.

[0072] Alternatively, the invoice data analysis module 28 and the user profile data analysis module 32 could be designed as a combined data analysis module.

[0073] Server unit 20 also has a search engine module 34, which is in a data connection state with invoice data analysis module 28 and user profile data analysis module 32.

[0074] The system 10 for automated invoice data management may also have two encryption modules. Figure 1 (Not shown in the image).

[0075] Accordingly, the seller payment receiving device 16 and the server unit 20 may each have an encryption module. The functions of the system 10 for automatic invoice data management can be described as follows:

[0076] For correctly executed electronic payment transactions (using the buyer's payment device 14 and the seller's payment receiving device 16), invoice data and associated relay data can be transmitted from the seller's payment receiving device 16 to the server unit 20 via the communication network 22.

[0077] In this scenario, it is conceivable that invoice data and associated relay data can first be transmitted from the seller's payment receiving device 16 to the seller's processing and computing device 18, and then further transmitted from there to the server unit 20.

[0078] Then, the seller's payment receiving device 16 and the seller's processing and computing device 18 can also be in a data connection state via the communication network 22.

[0079] The communication network 22 can also be designed to be at least partially wireless, for example via WLAN.

[0080] It is also conceivable that the communication network 22 is designed to be at least partially wired.

[0081] To enhance the security of transmitted invoice data and associated relay data, the communication network 22 is encrypted.

[0082] As explained above, server unit 20 has invoice database unit 26.

[0083] The invoice data can be stored in the invoice database unit and automatically transmitted by the server unit 20 to the buyer terminal 12 and the seller processing and computing device 18 via the communication network 22.

[0084] The invoice data can be categorized into various storage folders in the invoice database unit 26 through the invoice data analysis module 28.

[0085] With the help of the invoice data analysis module 28, the credit rating, value-added tax or business tax rate can be determined based on the stored invoice data.

[0086] In addition, the history of invoice data can be tracked through the invoice data analysis module 28.

[0087] In this way, both buyers and sellers can quickly and easily determine when, that is, at what time, on what date, with whom, and where, which payment transactions were made.

[0088] In addition, the user profile database unit 30 stores unique buyer profile data and unique seller profile data.

[0089] Furthermore, the user profile database unit 30 stores buyer's bank account data and seller's bank account data.

[0090] The buyer's bank account data and the seller's bank account data can be combined with the buyer's configuration file data and the seller's configuration file data respectively through the user configuration file data analysis module 32.

[0091] Therefore, the buyer terminal 12 and the seller payment receiving device 16 establish a data connection with the server unit 20, but only if the buyer's configuration data and the seller's configuration data are correctly matched through the user configuration data analysis module 32.

[0092] If the buyer's terminal 12 is used privately by one or more individuals, it may be a personal computer used for commercial or private purposes.

[0093] In addition, the user profile data analysis module 32 allows combining buyer profile data with a buyer username and a buyer password, and combining seller profile data with a seller username and a seller password.

[0094] As explained above, the invoice data analysis module 28 and the user profile data analysis module 32 are connected by data.

[0095] Thus, the buyer profile data and the seller profile data can also be combined with the corresponding invoice data to generate buyer link data and seller link data.

[0096] The invoice data includes multiple relay data, which may contain payment information such as the payment amount, buyer, seller, and VAT or business tax number.

[0097] Furthermore, since the buyer and seller confirm the payment amount and the electronic payment transaction is completed, the system 10 automatically transmits the invoice data and retailer receipt data (if applicable) that can be used for at least one card transaction to the server unit 20 via the communication network 22 by means of the seller's payment receiving device 16.

[0098] From there, invoice data and retailer receipt data (if applicable) can be transmitted back to the buyer's terminal 12 and the seller's processing and computing device 18.

[0099] Furthermore, the invoice data analysis module 28 allows for the automatic calculation of turnover and / or value-added tax data based on invoice data, and the combination of these data with the invoice data.

[0100] Furthermore, the invoice data analysis module 28 allows for the automatic calculation of VAT and / or business tax rates and currencies for various countries based on the invoice data, and combines these with the invoice data.

[0101] In addition, the invoice data analysis module 28 can automatically consider debit orders with discounts or price reductions based on invoice data and combine them with the invoice data.

[0102] Another function of system 10 is that the user profile data analysis module 32 allows the combination of buyer profile data with buyer email accounts and seller profile data with at least one seller email account.

[0103] With this combination, the corresponding invoice data can be automatically transmitted to the buyer and seller via email through the server unit 20 via the communication network 22 to the buyer's terminal 12 and the seller's processing and computing device 18.

[0104] In addition, the buyer and seller can manually store the invoice data EBD sent to them by email in the server unit 20 through the buyer terminal 12 and the seller processing and computing device 18.

[0105] However, it is conceivable that within this scope, invoice data manually selected by the buyer and seller can be deleted via the buyer's terminal 12 and the seller's processing and computing device 18.

[0106] With the help of the user profile data analysis module 32, buyer profile data and seller profile data can be combined with other email accounts.

[0107] In this way, the corresponding invoice data can be transmitted via email to tax advisors, auditors, tax authorities, or airport departments, for example, for turnover and VAT matters.

[0108] In addition, invoice data related to cancelled electronic payment transactions can be transmitted to both the buyer and seller via email or printed out as paper documents.

[0109] Invoices and receipts, which are also related to warranty claims, product replacements, or refunds, can be printed out as evidence.

[0110] The same applies to contacting tax advisors, auditors, tax authorities, or airport departments to process invoice data for turnover and value-added tax.

[0111] As explained above, server unit 20 has a search engine module 34, which is in a data connection state with invoice data analysis module 28 and user profile data analysis module 32.

[0112] With the help of the search engine module 34, the invoice database unit 26 and the user profile database unit 30 can be searched according to specific search criteria.

[0113] Therefore, the corresponding search criteria can be transmitted to the search engine module 34 via the communication network 22 using the buyer terminal 12 and the seller processing and computing device 18.

[0114] In addition, in the case of cash payment, the identity capture module can be used to capture the identity data of at least one cash payment buyer and transmit it to the invoice data capture module.

[0115] During cash payments, the latter combines the generated invoice data with the buyer's identity data to form cash payment invoice data and associated relay data.

[0116] The identity capture module can capture the buyer's identity data during cash payments using codes, ID cards, passports, or other forms of identification that can be captured by the buyer's terminal.

[0117] Next, the seller's cash payment receiving device also connects to the server unit 20 via a communication network.

[0118] In other words, the seller's cash payment receiving device can assign each cash payment to at least one buyer identity.

[0119] In addition, the obtained cash payment invoice documents can be transmitted to the server unit 20 via the communication network 22.

[0120] As the result of at least one electronic payment transaction, the cash payment invoice data transferred to server unit 20 can be managed in the same or similar manner as the aforementioned invoice data.

[0121] Specifically, cash payment invoice data can be stored in the invoice database unit 26 and automatically transmitted by the server unit 20 to the buyer's terminal 12 and the seller's processing and computing device 18 via the communication network 22.

[0122] In addition, the encryption module described above can encrypt all data managed by system 10.

[0123] Therefore, the encryption module of the seller payment receiving device 16 can encrypt invoice data and associated relay data as well as retailer receipt data.

[0124] Therefore, the encryption module of server unit 20 can encrypt buyer profile data, seller profile data, buyer bank account data, seller bank account data, business tax data and / or value-added tax data.

[0125] The encrypted invoice data received by server unit 20, along with associated relay data and retailer receipt data, can first be decrypted by the decryption module of server unit 20 before being further processed and re-encrypted by server unit 20.

[0126] Therefore, data encrypted in this way can be transmitted in encrypted form through communication network 22.

[0127] The encryption module can use symmetric, asymmetric, or hybrid encryption methods.

[0128] Symmetric encryption paradigms include DES, 3DES, IDEA, CAST, RC4, RC5, RC5a, RC6, A5, Blowfish, Twofish, or AES methods.

[0129] Examples of asymmetric encryption methods include Diffie-Hellman, RSA, or ElGamal methods.

[0130] Examples of hybrid encryption methods include the PGP method and combinations of the aforementioned symmetric and asymmetric encryption methods.

[0131] Furthermore, the buyer terminal 12 and the seller processing and computing device 18 are adapted to decrypt the encrypted data.

[0132] Data managed by System 10 can also be encrypted end-to-end.

[0133] End-to-end encryption paradigms include OpenPGP, S / MIME, signaling protocols, OTR, OMEMO, and / or ZRTP / SRTP.

Claims

1. A system (10) for automatic invoice data management, comprising at least one buyer terminal (12), at least one buyer payment device (14), at least one seller payment receiving device (16), at least one seller processing and / or computing device (18), at least one central server unit (20) and at least one communication network (22), wherein said buyer terminal (12), said seller payment receiving device (16), said seller processing and / or computing device (18) and said server unit (20) are data-connected via said communication network (22), said seller payment receiving device (16) comprises at least one capturing module (24) for capturing invoice document data and associated buyer-seller relay data, wherein said invoice document data and said buyer-seller relay data can be transmitted by said seller payment receiving device (16) to said server unit (20) via said communication network (22) as a result of at least one electronic payment transaction having been properly executed via said buyer payment device (14) and said seller payment receiving device (16), and wherein, Due to at least one electronic payment transaction being performed using the buyer payment means (14) and the seller payment receiving means (16), the invoice document data and associated relay data can first be transmitted from the seller payment receiving means (16) via the communication network (22) to the seller processing and / or computing means (18) and from there to the server unit (20), wherein the server unit (20) has at least one invoice database unit (26) in which the invoice document data can be stored, which can be automatically transmitted by the server unit (20) via the communication network (22) to the buyer terminal (12) and to the seller processing and / or computing means (18), wherein the server unit (20) comprises at least one invoice data analysis module (28) which is in data connection with the invoice database unit (26) and by means of which a creditworthiness and / or a value added tax rate and / or a sales tax rate can be determined from the stored invoice document data and / or a history of the invoice document data can be tracked, and wherein due to the confirmation of the payment amount by both the buyer and the seller and due to the correct performance of at least one electronic payment transaction, the invoice document data and / or the retailer receipt data of at least one card transaction can be automatically transferred by the seller payment receiving means (16) via the communication network (22) to the server unit (20) and back to the buyer terminal (12) and to the seller processing and / or computing means (18) so that both the buyer and the seller can check after the transaction whether the payment transaction has been performed correctly on the basis of the invoice document data, so that the electronic payment process is more secure, transparent and efficient, wherein the buyer terminal (12) is a personal computer, a tablet computer, a smartphone and / or a smartwatch, the seller payment receiving means (16) is a card reader and the buyer payment means (14) is a credit card.

2. The system (10) for automatic invoice data management according to claim 1, characterized in that, The server unit (20) comprises at least one user profile database unit (30) and at least one user profile data analysis module (32) in data connection with one another, wherein unique buyer profile data and unique seller profile data are stored in the user profile database unit (30), wherein the buyer terminal (12) and the seller payment receiving means (16) are in data connection with the server unit if the user profile data analysis module (32) correctly matches the buyer profile data with the seller profile data.

3. The system (10) for automatic invoice data management according to claim 2, characterized in that, The user profile database unit (30) stores buyer bank account data and seller bank account data, which can be combined by means of the user profile data analysis module (32) with the buyer profile data and the seller profile data, respectively.

4. The system (10) for automatic invoice data management according to claim 3, characterized in that, The invoice data analysis module (28) and the user profile data analysis module (32) are in data connection so that the buyer profile data and the seller profile data can also be combined with the respective invoice document data to produce buyer linked data and seller linked data.

5. The system (10) for automatic invoice data management according to claim 1, characterized in that, The invoice document data includes a plurality of relay data containing payment information regarding the payment amount, the buyer, the seller, and the VAT and / or GST number.

6. The system (10) for automatic invoice data management according to claim 1, characterized in that, The invoice data analysis module (28) can automatically calculate the turnover and / or VAT data from the invoice document data and combine it with the invoice document data.

7. The system (10) for automatic invoice data management according to claim 1, characterized in that, The invoice data analysis module (28) allows automatic calculation of the VAT and / or GST rates and currencies of various countries from the invoice document data and combines it with the invoice document data.

8. The system (10) for automatic invoice data management according to claim 2, characterized in that, The user profile data analysis module (32) allows the buyer profile data to be combined with at least one buyer email account and the seller profile data to be combined with at least one seller email account so that the respective invoice document data can be automatically transmitted by email to the buyer and the seller via the communication network (22) to the buyer terminal (12) and the seller processing and / or computing device (18) by the server unit (20).

9. The system (10) for automatic invoice data management according to claim 8, characterized in that, The user profile data analysis module (32) allows the buyer profile data and the seller profile data to be combined with other email accounts so that the invoice document data can be transmitted by email to tax consultants, auditors, tax authorities, or airport departments for turnover and VAT matters.

10. The system (10) for automatic invoice data management according to claim 8 or 9, characterized in that, The buyer and the seller can manually store the invoice document data sent by email to the buyer and the seller in the server unit (20) through the buyer terminal (12) and the seller processing and / or computing device (18).

11. The system (10) for automatic invoice data management according to claim 1, characterized in that, The invoice document data manually selected by the buyer and the seller can be deleted through the buyer terminal (12) and the seller processing and / or computing device (18).

12. The system (10) for automatic invoice data management according to claim 2, characterized in that, The user profile data analysis module (32) allows the buyer profile data to be combined with at least one buyer user name and at least one buyer password and the seller profile data to be combined with at least one seller user name and at least one seller password.

13. The system (10) for automatic invoice data management according to claim 1, characterized in that, The invoice document data can be classified into respective storage folders in the invoice database unit (26) through the invoice data analysis module (28).

14. The system (10) for automatic invoice data management according to claim 2, characterized in that, The server unit (20) includes a search engine module (34) in data connection with the invoice data analysis module (28) and the user profile data analysis module (32) through which the invoice database unit (26) and the user profile database unit (30) can be searched according to specific search criteria that can be transmitted to the search engine module (34) through the buyer terminal (12) and / or the seller processing and / or computing device (18) via the communication network (22).

15. The system (10) for automatic invoice data management according to claim 1, characterized in that, The invoice data analysis module (28) allows to automatically consider debit orders with discounts and / or rebates from the invoice document data and to combine them with the invoice document data.

16. The system (10) for automatic invoice data management according to claim 1, characterized in that, Each of the buyer terminal (12) and the seller payment receiving device (16) comprises a NFC interface.

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