TW201426587A - System for obtaining bill and providing payment based on identification and method thereof - Google Patents

Abstract

A system for obtaining a bill and providing payment based on identification and a method thereof are provided. By obtaining a bill data corresponding with a user based on identification of the user or identification of the user's paper bill, and finish payment according to the bill data and a payment data provided by the user, the system and the method can provide a common bill payment platform, and can achieve the effect of integrating payment jobs.

Description

System and method for obtaining bills based on identification data and providing payment

A system and method for billing and payment of bills, in particular, a system and method for obtaining bills and providing bills based on identification data.

Since different business units have their own separate accounting systems, and the time for posting each business unit is not the same, the bills of each business unit are usually sent separately.

As a result, users will often receive bills from different business units, resulting in frequent remittances to collection points. Among them, the collection points of different business units are not the same. Once the bills of different business units are more, users may need to go to different collection points. Even if the user finds that the bill has not been paid before the payment deadline, it may also delay the payment because of the need to go to the collection point. Therefore, the payment method at the collection point does not completely solve the problem of inconvenience to users.

In fact, each business unit usually also has a mechanism for providing transfer payment. The user can operate any bank's ATM or transfer the bank's online bank, and transfer the account to the sales account established by the user for each business unit. In order to complete the payment, this will prevent the user from looking around for collection fees.

However, even if the user still needs to confirm the sales account created by each business unit for the user, and input the payment into the operation interface of the transfer or payment displayed by the ATM or online banking one by one, As long as the user has to pay for the bills of several different business units at the same time, the user will still be troubled. Secondly, if the user is using the online banking payment function on the mobile device, the user still has to enter the sales account number, payment amount, etc. on the mobile device. As the mobile device is usually not convenient for input operations, it also causes user confusion, which is not conducive to promoting the use of online banking payment on mobile devices.

In summary, it can be seen that there has been a problem in the prior art that there is no common bill payment platform and it is not easy to use mobile devices to pay, so it is necessary to propose improved technical means to solve this problem.

In view of the prior art, there is no common bill payment platform and the need to input a large amount of data on a mobile device, the present invention discloses a system and method for obtaining a bill based on identification data and providing a payment, wherein:

The system for obtaining a bill and providing a payment based on the identification data includes at least a data input module for providing identity identification information and providing payment information; a billing inquiry module for querying the identity identification data An electronic billing statement; a billing display module for displaying electronic billing information contained in an electronic bill; and a fee paying module for paying an electronic bill based on the electronic bill and the billing information.

The method according to the present invention for obtaining a bill and providing a payment method according to the identification method comprises the steps of: providing identity identification data; inquiring an electronic bill corresponding to the identity identification data; and displaying the electronic billing information included in the electronic bill; Provide payment information; pay the electronic bill based on the electronic bill and payment information.

Another method for obtaining a bill and providing a payment based on the identification data disclosed in the present invention comprises the steps of: intercepting the bill identification data printed on the paper bill; and obtaining the paper bill information according to the bill identification data. Provide payment information; the cost of paying the paper bill based on the paper billing information and payment information.

The system and method disclosed in the present invention are as above, and the difference from the prior art is that the present invention queries the user corresponding to the electric power by identifying the data according to the identity of the user. Billing information of the sub-bill, or obtaining the billing information according to the bill identification data on the paper bill, and completing the payment according to the electronic billing information or the paper billing information and the payment information provided by the user, thereby Solve the problems of the prior art and achieve the technical effect of the integrated payment operation.

The features and embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, which are sufficient to enable those skilled in the art to fully understand the technical means to which the present invention solves the technical problems, and The achievable effects of the present invention.

The invention can obtain the billing information of the user's bill according to the user identification data or the bill identification data of the paper bill, and provide the user with online payment.

The identity identification data provided by the present invention is, for example, a user's identity card number, mobile phone number, account number, etc., but the invention is not limited thereto, and has a one-to-one correspondence with the user, so that identification according to identity The data can determine whether the user's own data can be used as the identification data of the present invention.

The bill identification data provided by the present invention is printed on a paper bill, which enables the invention to obtain the paper bill data directly or indirectly (such as decoding or conversion, etc.), including but not limited to a two-dimensional barcode, QR-code, etc.

In the following, the system operation diagram of the present invention will be described with reference to the "1st figure" of the present invention based on the identification data to obtain a bill and provide a system architecture diagram of the payment. As shown in FIG. 1, the system of the present invention includes a data input module 110, a billing query module 130, a bill display module 150, and a fee payment module 170.

The data input module 110 is responsible for providing the identity identification data to the billing inquiry module. 130. In general, the identity identification data is stored in a storage medium (not shown) of the apparatus for performing the present invention, and the data input module 110 reads the identity identification data from the storage medium of the apparatus for performing the present invention.

In some embodiments, the data entry module 110 can also retrieve billing identification data that is printed on a paper bill. In general, the data input module 110 captures the bill identification data printed on the paper bill through the image capturing device of the apparatus of the present invention, such as a camera or a camera, so as to obtain bill identification. data.

The data input module 110 is also responsible for providing the payment information to the fee payment module 170. In general, the payment information is provided by the data input module 110 or stored in a storage medium for executing the apparatus of the present invention, and the data input module 110 reads the payment in the storage medium of the apparatus for performing the present invention. data. Additionally, in most embodiments, the data entry module 110 also provides an input password.

The payment information provided by the data input module 110 is the information required for paying the bill, including the transfer account number, the payment amount, and the like, but the invention is not limited thereto. It is worth mentioning that, in the present invention, the payment information is not limited to one. When there are multiple payment materials, the data input module 110 will select one of the payment materials according to the order of setting or payment data, for example, according to the service. Sort the unit, payment period or payment amount.

In addition, if the bill inquiry module 130 queries a plurality of electronic bills, the data input module 110 can provide one or more electronic bills to be selected from the electronic bills that are inquired.

The billing query module 130 is responsible for querying the electronic bill corresponding to the identity identification data provided by the data input module 110. In general, the billing query module 130 will connect to a particular server 410 to query an electronic bill corresponding to the identity identification data. its The server 410 stores the electronic bills, and each electronic bill is previously transmitted to the server 410 for storage by a specific financial server (not shown).

In general, the bill inquiry module 130 queries all the electronic bills of the user corresponding to the identity identification data, that is, the electronic bills belonging to the user, wherein the electronic data queried by the bill inquiry module 130 The bill may be one stroke or two or more. In some embodiments, the billing query module 130 may also query an electronic bill that matches the associated data set by the user, wherein the associated profile set by the user may be other people's identity identification data, bills. Address, etc., but the invention is not limited thereto, and the information contained in the electronic bill can be used as the related data set by the user. Generally, the related materials set by the user must be authenticated and authorized by the relevant organization or financial institution in advance.

In addition, the bill inquiry module 130 may also filter the electronic bill that does not match the screening item corresponding to the identity identification data when querying the electronic bill, and only leave the electronic bill corresponding to the screening item corresponding to the identity identification data. . The above screening items represent electronic bills that the user wants to pay and/or watch, for example, retaining credit card bills, telecommunication bills, excluding bills for water and electricity gas charges, etc., wherein the screening items are usually data input modules. 110 provides settings.

In addition, in some embodiments, the bill inquiry module 130 can also obtain an electronic version of the paper bill based on the bill identification data of the paper bill retrieved by the data input module 110. For example, when the bill identification data is QR-code, the bill inquiry module 130 can decode the bill identification data and obtain an electronic version of the paper bill based on the decoded data.

The bill display module 150 is responsible for displaying the electricity queried by the bill inquiry module 130. The billing information of the sub-bill (in the present invention, the "bill information of the electronic bill" may also be represented by "electronic billing data"). If the electronic bills queried by the billing query module 130 are not only one, the bill display module 150 displays the electronic bills selected by the user through the data input module 110. In addition, in some embodiments, the bill display module 150 can also display billing information of the paper bill acquired by the bill inquiry module 130 (in the present invention, "the bill of the paper bill" Information may also be expressed in "paper billing information").

It is worth mentioning that the bill display module 150 can selectively display full or partial billing information (including electronic billing data and paper billing data) according to the authentication level corresponding to the identity identification data. For example, when the authentication level corresponding to the identity identification data is full authentication, the bill display module 150 can display the complete billing data, that is, in addition to displaying the payment period, the payment amount, and the transfer of the electronic bill/paper bill. In addition to the basic information such as the account number, each transaction data in the electronic bill/paper bill can also be displayed, and when the authentication level corresponding to the identity identification data is not fully authenticated, the bill display module 150 will only Display part of the billing information, for example, only the basic information of the electronic bill/paper bill, and so on. In addition, in some embodiments, if the authentication level corresponding to the identity identification data is unauthenticated, the bill display module 150 will only display the billing information of the portion of the paper bill without displaying any electronic The billing information of the bill will not be displayed until the fee payment module 170 successfully pays any paper bill based on the billing information and the paper billing data. Billing information.

The fee payment module 170 is responsible for the electronic billing information included in the electronic bills queried by the billing module 130 and the billing information provided by the data input module 110. The cost of an electronic bill. In part In the embodiment, the fee payment module 170 can also pay the bill of the paper bill according to the paper bill information included in the paper bill and the payment data provided by the data input module 110.

The fee payment module 170 can transmit the transfer bank account in the payment data to the server 450 transferred to the bank, so that the server 450 transferred to the bank confirms the user who transferred the bank account and the user of the business unit ( The bill payer has the same identity. After the server 450 transferred to the bank confirms the user identity, the fee payment module 170 can transfer the amount in the payment data to the server 450 transferred to the bank. The server 450 transferred to the bank library is debited from the transfer bank account, and the amount of the debit is deposited into the bank account.

In addition, the present invention can optionally include a bill notification module 180 and an account management module 190.

The bill notification module 180 is responsible for providing the electronic bill according to the data input module 110 when the electronic bill is generated and/or before the payment period of the electronic bill expires, and the notification parameter corresponding to the electronic bill is set. The identity information corresponding to the identification data is transmitted, and the notification message of the electronic bill is transmitted to transmit the notification message to the user. The user can set whether to receive the notification message of each electronic bill that is queried through the data input module 110, and the user's setting result is the notification parameter corresponding to the electronic bill.

The account management module 190 is responsible for managing all the data stored in the present invention, including but not limited to the payment data provided by the data input module 110, the data input module 110 providing the set related data, and the data input module 110 providing the settings. The screening item, the authentication status corresponding to the identity identification data, the communication data corresponding to the identity identification data, the user's email account number, and the data input module 110 Notification parameters for setting, etc.

It is particularly worth mentioning that the account management module 190 can update the managed identity identification data when the fee payment module 170 successfully pays the paper bill based on the paper bill information and the payment data. The certification level, for example, updates the certification level from uncertified to basic authentication.

Next, the operation system and method of the present invention will be explained by way of an embodiment, and please refer to the flowcharts of the method of the present invention in "2A" and "2B". In this embodiment, it is assumed that the device for performing the present invention is a mobile phone, and the present invention is an application on a mobile phone, but the present invention is not limited thereto.

First, please refer to "FIG. 2A". After the user executes the application including the present invention and inputs user identification data such as account number and password into the application through the data input module 110 to log in to the present invention, the present invention A display screen 310 such as "FIG. 3A" can be displayed.

It is assumed that the user selects the "paper bill payment" button 312 on the display screen 310, and as shown in "FIG. 3B", the operating phone is printed on the paper bill 500 using the application containing the present invention. The bill identification information 510 (step 202) is used to obtain paper bill information based on the retrieved bill identification data (step 206). In this embodiment, if the bill identification data 510 printed on the paper bill 500 is QR-code, the data input module 110 can capture the QR-code through the camera on the mobile phone, and the billing inquiry module 130 can parse the QR-code captured by the data input module 110, so as to obtain the paper bill data after parsing, so that the bill display module 150 can provide the display on the mobile phone as shown in "3C" The interface 350 displays the paper bill data obtained by the bill inquiry module 130.

At this time, if the user wants to use the invention to pay the bill for the paper bill, then The data input module 110 can provide an input interface 360 for the user to input payment materials, as shown in the "3D", to obtain payment information (step 210), for example, providing user input to transfer the bank account (payment account). And provide the user with one of the full amount, the minimum payment amount, or the custom amount as the payment amount. If the user selects the custom amount, the additional payment amount is required, and then the fee payment module 170 can According to the transfer information such as the transfer bank account number and the payment amount obtained by the data input module 110, and the paper billing information such as the transferred bank account number (sale account number) in the paper bill data, the paper is paid on the paper. The billing fee (step 220), for example, transfers the payment amount from the household account to the sales account. In this way, the user can complete the payment of the paper bill through the invention.

If the application includes the account management module 190, the account management module 190 can update the identity after the fee payment module 170 successfully pays the bill for the paper bill based on the payment information and the paper billing information (step 220). The authentication level corresponding to the data is identified (step 220). In this embodiment, the authentication status is divided into three levels: unauthenticated, basic, and full. However, the present invention is not limited thereto, and the account management module 190 can identify the authentication level corresponding to the identity data. Updated from uncertified to basic.

Next, please refer to "Phase 2B". After the user enters the user identification data such as the user account password on the mobile phone to log in to the application including the present invention, the user can select "paper bill payment" on the display screen 310. The button 313, the data input module 110 can provide the identity identification data (step 240), and the bill inquiry module 130 can query the electronic bill corresponding to the identity identification data provided by the data input module 110 (step 250). ). In this embodiment, the bill inquiry module 130 is connected to the server 410 and is transmitted to the electronic bill stored in the server 410 in advance. All electronic bills corresponding to the identity identification data provided by the data input module 110 are queried. If the user has set the user's related data through the data input module 110 and has been authenticated and authorized, for example, the user sets the residential address, the identification information of the spouse or the child's identity, the telephone number, etc. as the related information, The billing query module 130 can also query the server 410 for the electronic bill corresponding to each related data, that is, the electronic bill with the same billing address as the user's home address, the query and the user's setting. An electronic bill with the same spouse or child's identity, an electronic bill with the same telephone number as the user's phone number.

In addition, in the embodiment, the bill inquiry module 130 may also filter the electronic bills that do not match the screening items according to the screening items set by the user in advance through the data input module 110 when the electronic bill is inquired. Only the electronic bills that match the screening items are left. For example, only credit card bills, telecom bills, and bills for water, electricity, gas bills, etc. are filtered out.

After the bill inquiry module 130 queries the electronic bill corresponding to the identity identification data (step 250), the bill display module 150 can display the bill inquiry module in the display interface 350 as shown in "FIG. 3C". The billing information of the electronic bills queried by 130 (step 266), but the display interface proposed by the present invention is not limited to the "3C map". In some embodiments, if the bill inquiry module 130 queries a plurality of electronic bills, the bill display module 150 may first list the bill names of the respective electronic bills, and the data input module 110 may The user is provided to select one or more electronic bills (step 262), at which point the bill display module 150 displays the electronic billing information contained in the electronic bill selected by the user (step 266).

After the bill display module 150 displays the electronic billing information (step 266), the data The input module 110 can provide the user with input payment information (step 270). In this embodiment, the data input module 110 can provide the input interface 360 as shown in the "3D" in the same manner as the user pays the paper bill, so that the user can input the outgoing line. The account number of the library, and the user selects one of the full amount, the minimum payment amount, or the customized amount as the payment amount, but the input interface proposed by the present invention is not limited to the "3D map".

After the data input module 110 provides the payment information (step 270), the fee payment module 170 can provide the user-entered transfer account number, payment amount and other payment materials and transfer to the bank account according to the data input module 110. The electronic billing information, such as the (accounting account), is paid for the electronic bill (step 280). In this way, the user can complete the payment of various bills on the universal payment platform provided by the present invention without receiving the paper bill and the electronic bill.

In the above embodiment, when the data input module 110 provides the payment data (step 270), the data input module 110 does not necessarily need to provide the user to input the payment information, and the user can also read the data input module 110 in advance. The payment information corresponding to the identity identification data is input. Thus, the present invention can further perform the system according to the payment data and billing data input by the user in advance when the system time is the same as the time input by the user through the data input module 110. The above steps are used to complete the payment, so that the automatic payment function can be provided.

In addition, if the billing notification module 180 is further included in the mobile phone application of the above embodiment, the billing query module 130 queries the identity provided by the data input module 110 as shown in the flow of "2C". After identifying the electronic bill corresponding to the data (step 250), the data input module 110 can provide the user with a notification parameter corresponding to the electronic bill queried by the bill inquiry module 130 (step 291).

The bill notification module 180 can determine whether the electronic bill is generated (step 293) and determine whether the notification parameter corresponding to the electronic bill is set (step 297), and if so, the bill notification module 180 can identify and identify the identity The communication data corresponding to the data is sent to the user by the notification message that the electronic bill has been generated (step 299). If not, the bill notification module 180 can determine whether the payment deadline of the electronic bill is about to expire (step 295) and Determining whether the notification parameter corresponding to the electronic bill is set (step 297), and if so, the bill notification module 180 can transmit the notification message that the payment deadline of the electronic bill is about to expire according to the communication data corresponding to the identity identification data. To the user (step 299).

In summary, it can be seen that the difference between the present invention and the prior art is that there is billing information for inquiring the electronic bill corresponding to the user according to the identity identification data of the user, or according to the bill identification data on the paper bill. Obtaining the paper billing information and completing the technical means of payment based on the electronic billing information or the paper billing information and the payment information provided by the user, by means of this technical means, the prior art has no common bill payment The problem of the platform, and then the technical effect of the integrated payment operation.

Furthermore, the method for obtaining the bill and providing the payment according to the identification data of the present invention can be implemented in hardware, software or a combination of hardware and software, or can be implemented in a centralized manner in a computer system or distributed by different components. The decentralized implementation of several interconnected computer systems.

While the embodiments of the present invention have been described above, the above description is not intended to limit the scope of the invention. Any modification of the form and details of the practice of the present invention, which is a matter of ordinary skill in the art to which the present invention pertains, is a patent protection of the present invention. range. The scope of patent protection of the present invention still needs to be attached The scope defined by the patent scope shall prevail.

110‧‧‧Data input module

130‧‧‧ Billing Query Module

150‧‧‧ Billing Display Module

170‧‧‧ fee payment module

180‧‧‧ Billing Notification Module

190‧‧‧ Account Management Module

310‧‧‧Display

312, 313‧‧‧ button

350‧‧‧Display interface

360‧‧‧Input interface

410, 450‧‧‧ server

500‧‧‧paper bill

510‧‧‧ Billing Identification Information

Step 202‧‧‧ Capture the bill identification information printed on the paper bill

Step 206‧‧‧Acquire paper bill information based on bill identification data

Step 210‧‧‧ Provide payment information

Step 220‧‧‧Pay the cost of the paper bill based on the paper billing information and payment information

Step 230‧‧‧Update the certification level corresponding to the identity identification data

Step 240‧‧‧ Provide identity identification information

Step 250‧‧‧Query the electronic bill corresponding to the identity identification data

Step 262‧‧‧ Provide selection of electronic bills

Step 266‧‧‧ Display electronic billing information contained in the electronic bill

Step 270‧‧‧ Provide payment information

Step 280‧‧‧Pay the cost of electronic billing based on electronic billing information and payment information

Step 291‧‧‧ Provide the setting of notification parameters corresponding to the electronic bill

Step 293‧‧‧Determine whether the electronic bill is generated

Step 295‧‧‧Determine whether the electronic bill is about to expire

Step 297‧‧‧Determine whether the notification parameter is set

Step 299‧‧‧ Send a notification message of the electronic bill based on the communication data corresponding to the identity data

The first figure is a system architecture diagram of the invention for obtaining bills based on identification data and providing payment.

FIG. 2A is a flow chart of a method for obtaining a bill based on identification data and providing a payment according to the present invention.

FIG. 2B is a flow chart of an additional method for providing identity identification data according to the present invention.

FIG. 2C is a flow chart showing an additional method of transmitting a notification message of an electronic bill according to the present invention.

FIG. 3A is a schematic diagram of a display screen according to an embodiment of the present invention.

FIG. 3B is a schematic diagram of intercepting bill identification data according to an embodiment of the present invention.

FIG. 3C is a schematic diagram of a billing data display interface according to an embodiment of the present invention.

FIG. 3D is a schematic diagram of a payment data input interface according to an embodiment of the present invention.

Step 240‧‧‧ Provide identity identification information

Step 250‧‧‧Query the electronic bill corresponding to the identity identification data

Step 262‧‧‧ Provide selection of electronic bills

Step 266‧‧‧ Display electronic billing information contained in the electronic bill

Step 270‧‧‧ Provide payment information

Step 280‧‧‧Pay the cost of the electronic bill based on the electronic bill and payment information

Claims (10)

A method for obtaining a bill based on identification data and providing a payment is applied to a device, the method comprising at least the steps of: providing an identity identification data; querying at least one electronic bill corresponding to the identity identification data; displaying an electronic The bill contains one of the electronic billing materials; provides a billing information; and pays the electronic bill for the displayed electronic bill based on the electronic billing information. A method for obtaining a bill and providing a payment based on the identification data as described in claim 1 of the patent application, wherein the method further comprises intercepting an account printed on a paper bill before the step of providing the identity identification data The single identification data is obtained by obtaining a paper billing information according to the bill identification data, providing the billing information, and the step of paying the bill of the bill according to the billing information and the billing information. A method for obtaining a bill and providing a payment based on the identification data as described in item 2 of the patent application, wherein the method is followed by the step of paying the bill of the bill based on the paper billing information and the billing information, Further, the step of updating the authentication level corresponding to the identity identification data is included. The method for obtaining a bill based on the identification data and providing a payment according to the first aspect of the patent application, wherein the step of displaying the electronic billing data included in the electronic bill includes the step of identifying the data according to the identity The certification level shows the steps of all or part of the electronic billing data. Obtain bills based on identification data as described in item 1 of the patent application scope and provide The method of paying the fee, wherein the step of querying the electronic bill corresponding to the identity identification data is to query an electronic bill of a user corresponding to the identity identification data, and query an electronic account corresponding to one of the associated data set by the user. A single bill, and/or an electronic bill matching the screening item corresponding to the identity identification data. The method for obtaining a bill and providing a payment according to the identification data as described in claim 1 of the patent application, wherein the method further comprises providing a setting and the electronic account after the step of inquiring the electronic bill corresponding to the identity identification data The step of transmitting a notification message of the electronic bill according to one of the communication materials corresponding to the identity identification data when the electronic bill is generated and/or before the electronic bill is expired. A method for obtaining a bill based on identification data and providing a payment is applied to a device, the method comprising at least the steps of: intercepting a bill identification data printed on a paper bill; obtaining the data according to the bill identification data a paper billing information; providing a billing information; and paying the bill for the bill based on the billing information and the billing information. A system for obtaining a bill based on identification data and providing a payment for use in a device comprising at least one data input module for providing an identification data and providing a payment information; a billing inquiry module, Querying at least one electronic bill corresponding to the identity identification data; a bill display module for displaying an electronic billing information included in the electronic bill; and a fee paying module for paying the electronic bill based on the electronic billing information and the billing information The cost. A system for obtaining a bill and providing a payment based on the identification data as described in claim 8 of the patent application, wherein the data input module is further configured to intercept a bill identification data printed on a paper bill, the account The single query module is further configured to obtain a paper billing data according to the bill identification data, and the fee paying module is further configured to pay the bill of the bill according to the paper billing information and the billing data. . A system for obtaining a bill and providing a payment based on the identification data according to claim 9 of the patent application scope, wherein the system further comprises an account management module for the payment module to be based on the paper billing information and When the payment data successfully pays the fee for the paper bill, the certification level corresponding to the identity identification data is updated.