TWI909455B - Electronic bill integration system - Google Patents

Abstract

An electronic bill integration system is provided. The system includes a bill integration module, an encryption and decryption module, and a payment integration module that connect informationally to each other. The communication module receives multiple payment bills including multiple consumption items from a user device. The bill integration module receives and integrates these payment bills. The encryption and decryption module encrypts these payment bills and stores them in the bill integration module, and then decrypts these payment bills when the user wants to retrieve them. The payment integration module integrates the consumption items selected by the user to pay and then outputs the unpaid bill to the user's device so that the user can make payment accordingly.

Description

Electronic Billing Integration System

This invention relates to an integrated electronic billing system.

Currently, credit card bill payment methods include paper bills, electronic bills, and automatic deductions. To keep pace with the paperless trend and reduce paper costs, many banks have introduced various incentives, such as waiving annual fees for reducing the number of times paper bills are used, to encourage customers to switch to electronic bill payments.

However, when customers have multiple credit cards, converting all bills to e-bills and sending them via email can cause payment inconvenience. Customers need to spend extra time searching for bill information in the email and cannot confirm whether payment has been completed. To confirm payment status, customers also need to use other methods, such as online banking or intelligent customer service systems.

In addition, many payment mechanisms have begun to send payment-related information via email or SMS, such as Chunghwa Telecom's telecom fee payment. However, this method also cannot provide real-time confirmation of payment status.

In addition to using the automatic deduction from bank accounts provided on the website when registering for the exam, it is usually necessary to go to a convenience store to print out the payment slip and keep the payment receipt. This means that this method does not solve the problem of paper bills.

In summary, while electronic bills reduce the use of paper, the payment process remains inconvenient for customers with multiple payment bills, and there are issues with confirming payment status and managing multiple bills.

Therefore, one aspect of this invention is to provide an electronic billing integration system that can integrate multiple electronic bills and also provides different input methods to integrate paper bills and other types of bills. Thus, the electronic billing integration system provided by this invention allows users to clearly see what bills are pending and their related details on a single user interface.

The aforementioned electronic billing integration system includes a communication module, a billing integration module, an encryption/decryption module, and a payment integration module. The communication module communicates with all of the user's user devices, payment devices, and collection devices. The communication module receives multiple payment bills from the user device, which contain multiple expense items. The payment devices include convenience store cash registers and bank ATMs, and the collection devices belong to a payment platform, a merchant, a third-party bank, or an organization. The billing integration module communicates with the communication module to receive and integrate these payment bills. The encryption/decryption module communicates with the billing integration module. When the billing consolidation module transmits the payment bills to the encryption/decryption module, the encryption/decryption module encrypts the bills according to an encryption/decryption rule before storing them. When the user device sends a decryption request for one of the payment bills to be accessed to the billing consolidation module, the billing consolidation module transmits the decryption request to the encryption/decryption module, which then decrypts the payment bills according to the encryption/decryption rule and transmits them to the user device through the communication module. The encryption/decryption rule includes human identification information. The billing consolidation module and the encryption/decryption module are interconnected. When the user device selects multiple items to be paid from the consumption items in the bills, the payment integration module outputs the items to be paid as a bill to be paid, and then transmits the bill to be paid to the user device through the communication module, so that the user can pay at the payment device.

According to one embodiment of the present invention, the user device transmits the bills to the billing integration module through the communication module in the following ways: directly obtaining the electronic files of the bills, reading a bill graphic corresponding to the bills, or having the user manually enter the bills.

According to one embodiment of the present invention, the human identification information includes fingerprint identification information, facial recognition information, or a combination of the two.

According to an embodiment of the present invention, the operation method of the encryption/decryption rule includes the following steps: According to a first rule, the encryption/decryption module extracts a first string from the user's biometric information. According to a second rule, the encryption/decryption module combines the first string and a password string input by the user into a second string. According to a third rule, the encryption/decryption module re-encodes the second string to obtain a third string, which serves as ciphertext for encryption/decryption. The first rule includes a string composed of the nth to mth characters from the biometric information, where m > n. The second rule includes directly adding the first string and the password string, or alternating between the first string and the password string. The third rule includes a Base64 encoding rule.

According to one embodiment of the present invention, the encryption/decryption module encrypts the payment bills using the ciphertext and then deletes the first string, the password string, the second string, and the third string.

According to one embodiment of the present invention, one of the encryption and decryption rules of these bills includes: the user's fingerprint, the user's ID number, and the serial number of the bills.

According to one embodiment of the present invention, after the payment device confirms receipt of payment from one of the users, the payment device transmits a payment receipt notification to the payment integration module through the communication module, and the payment integration module then allocates the payment to the payment collection devices of the items on the bill of exchange according to the items on the bill of exchange.

According to one embodiment of the present invention, after the payment devices for the items of the bill to be paid confirm receipt of payment, they send a confirmation of receipt notification to the payment integration module through the communication module, and the payment integration module marks "payment completed" on the items of the bill to be paid.

According to one embodiment of the present invention, the electronic billing integration system further includes an accounting classification module that is connected to the encryption/decryption module. The accounting classification module classifies the consumption items into multiple consumption categories according to a classification standard, and periodically calculates the total amount of multiple amounts for each of the consumption categories. Through decryption by the encryption/decryption module and output of the user's consumption history report to the user's device by the communication module.

According to one embodiment of the present invention, the electronic billing integration system further includes a financial analysis module, which is connected to the encryption/decryption module and the accounting classification module. The financial analysis module receives the consumption categories and the total amount of the consumption categories from the accounting classification module, compares the total amount of the user's consumption categories with the average consumption of the user's consumption categories in a plurality of consumption categories in a consumer group, and then outputs a financial analysis report of the user to the user device through the decryption of the encryption/decryption module and the communication module.

According to one embodiment of the present invention, the electronic billing integration system further includes a bill reminder module connected to the encryption/decryption module. The bill reminder module receives the decrypted bills from the encryption/decryption module, checks the consumption items on the bills, and when the bill reminder module finds that the consumption items meet a reminder standard, the bill reminder module sends a reminder message to the user device through the communication module.

According to one embodiment of the present invention, the alert criteria include abnormal charges, subscription services, installment payments, and overpayments.

As can be seen from the above, the electronic billing integration system of this invention has several advantages. First, the system can integrate various electronic bills and supports different input methods, handling everything from paper bills to other types of bills. Second, the system employs a highly secure encryption and decryption module, using biometric information for encryption to ensure the security of user data. Furthermore, the system provides a convenient payment process, helping users quickly complete payments. In addition, the system includes financial management functions, such as accounting classification and financial analysis, as well as reminder functions, allowing users to better manage their finances and payments, improving payment efficiency and financial management capabilities. In summary, this system provides users with a comprehensive, secure, and convenient electronic billing solution.

The foregoing description is intended to provide a simplified summary of the invention to enable the reader to have a basic understanding of its contents. This description is not a complete overview of the invention, nor is it intended to identify key elements of the embodiments or define the scope of the invention. After referring to the embodiments described below, those skilled in the art will readily understand the basic spirit and other inventive purposes of the invention, as well as the technical means and implementation aspects employed.

Based on the above, an electronic billing integration system is provided. This electronic billing integration system provides users with a convenient and secure method for integrating multiple bills for payment. The following description will introduce the exemplary functional architecture and execution method of the aforementioned electronic billing integration system. For ease of understanding of the embodiments, numerous technical details will be provided below. Of course, not all embodiments require these technical details. Furthermore, some well-known structures or components will only be shown schematically in the accompanying drawings to appropriately simplify the content of the drawings.

To provide a more detailed and complete description of the invention, illustrative descriptions of its implementation aspects and specific embodiments are provided below; however, this is not the only form of implementing or applying the specific embodiments of the invention. The embodiments cover the features of multiple specific embodiments and the method steps and their order for constructing and operating these specific embodiments. However, other specific embodiments may also be used to achieve the same or equivalent functions and step sequences.

For ease of description, the following apparatus is described separately by function into various units. Of course, in implementing the invention, the functions of each unit can be implemented in one or more software and/or hardware components. The invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (or devices or systems), and computer program products according to embodiments of the invention. It should be understood that each block in the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine such that the instructions, which are executed by the processor of the computer or other programmable data processing device, produce means for implementing the functions specified in a flowchart of one or more processes and/or a block diagram of one or more blocks.

Figure 1 is a functional architecture diagram of an electronic billing integration system according to an embodiment of the present invention. In Figure 1, the electronic billing integration system 100 includes a communication module 110, a billing integration module 120, an encryption/decryption module 130, and a payment integration module 140 that are interconnected. The user device 200 includes an application 210 that serves as the user interface of the electronic billing integration system 100, an image scanning module 220, and a human body recognition module 230.

Communication module 110 communicates with the user's user device 200, payment device 400, and receiving device 300. Communication module 110 receives a plurality of payment bills from user device 200, which contain a plurality of charges. According to some embodiments of the invention, the user device may be, for example, a mobile phone, tablet, laptop, or personal computer. The payment device 400 may include, for example, a convenience store cash register and a bank ATM. The receiving device 300 may belong to a payment platform, a merchant, a third-party bank, or an organization, depending on the receiving entity indicated on the payment bills.

The billing consolidation module 120 is connected to the communication module 110 to receive, consolidate, and store the bills. According to one embodiment of the present invention, the user device 200 transmits the bills to the billing consolidation module 120 through the communication module 110 by means of directly obtaining the electronic files of the bills, reading the bill images corresponding to the bills, or having the user manually enter the bills. Therefore, the user device 200 can use the image scanning module 220 to scan the bill images to obtain the content of the corresponding payment bill, and then transmit the content of the payment bill to the bill integration module 120 through the application 210 of the user device 200 and the communication module 110 of the electronic bill integration system 100.

For example, when a user only has paper bills, or when certain organizations' bills can only be displayed online, bill codes can be added to these bills to correspond to the stored bill information. In this way, the user device 200 can directly and quickly input the corresponding bill information by scanning the bill code. The bill code could be, for example, a QR code. Alternatively, when the aforementioned paper or online bills do not have bill codes, the user can manually input the details of the expenses on the bills on the user device 200 and then transmit the data to the bill integration module 120 via the communication module 110.

The encryption/decryption module 130 is connected to the billing integration module 120. When the billing integration module 120 sends the payment bills to the encryption/decryption module 130, the encryption/decryption module 130 encrypts the payment bills according to an encryption/decryption rule and then stores them in the billing integration module 120, thus completing the integration of the payment bills.

The encryption/decryption rules include biometric information, such as fingerprint information, facial recognition information, or a combination of the two. The user's biometric information can be obtained by using the biometric module 230 of the user device 200, whereby the biometric module 230 may be, for example, a fingerprint recognition module, a facial recognition module, or a combination of the two.

Please refer to Figure 2. The encryption process for the payment bill will be explained in detail below. Figure 2 is a schematic diagram of the encryption process for a payment bill according to an embodiment of the present invention.

In step 200, the user enters multiple payment bills into application 210 on user device 200. Application 210 transmits the payment bills to bill consolidation module 120 via communication module 110. Then, in step 210, bill consolidation module 120 transmits the payment bills to encryption/decryption module 130 for encryption.

In step 220, the encryption/decryption module 130 requests the user to input facial recognition information into application 210 via communication module 110 and receives facial recognition information from application 210. As mentioned above, facial recognition information may be, for example, fingerprint recognition information, facial recognition information, or a combination of both. Facial recognition information is typically a long string of characters. In step 230, the encryption/decryption module 130 verifies the facial recognition information transmitted from application 210. If verification fails, the billing encryption process is aborted. If verification succeeds, step 240 is executed.

In step 240, according to a first rule, the encryption/decryption module 130 extracts a first string from the user's biometric information. The first rule includes strings composed of the nth to mth characters in the biometric information, where m > n. For example, the first string might be composed of the 13th to 19th characters "Anf*iPq" from the biometric information.

In step 250, the encryption/decryption module 130 requests the user to enter a password string in the application 210 via the communication module 110, and then receives this password string from the application 210. For example, the password string is "35418907".

In step 260, according to a second rule, the encryption/decryption module 130 combines the first string and one of the user-input password strings into a second string. The second rule includes either directly adding the first string and the password string, or alternating between them. See Table 1 below for some possible examples of the second rule.

In step 270, the encryption/decryption module 130 re-encodes the second string according to a third rule to obtain a third string, which serves as ciphertext for encryption and decryption. For example, the third rule could be a Base64 encoding rule. Please refer to Table 1 below for some possible examples of the third string obtained after re-encoding the second string using a Base64 encoding rule.

Table 1: Some possible examples of ciphertext generation, where the first string is "Anf*iPq", the ciphertext string is "35418907", and the third rule is Base64 encoding. Rule Two Second string The third string (used as ciphertext for encryption and decryption) First string + password string Anf*iPq35418907 QW5mKmlQcTM1NDE4OTA3 Alternately interspersed first character string A3n5f4*1i8P9q07 QTNuNWY0KjFpOFA5cTA3 Alternating interspersed first password strings 3A5n4f1*8i9P0q7 M0E1bjRmMSo4aTlQMHE3

In step 280, the encryption/decryption module 130 uses the ciphertext to encrypt the bills.

In step 290, the encryption/decryption module 130 deletes the first string, the password string, the second string, and the third string, making it impossible for malicious third parties to easily crack the user's password and steal the user's billing information.

According to one embodiment of the present invention, when a user has any need to access these bills, such as to inquire about the bills or to pay the bills, the user can send a decryption request to the billing integration module 120 through the application 210 of the user device 200 to inquire about the bills or make payments. Then, the encryption/decryption module 130 decrypts the bills according to the encryption/decryption rules, and then transmits the bills to the user device 200 through the communication module 110. As described above, the encryption/decryption rules can incorporate the user's biometric information to increase the information security of the bills.

Please refer to Figure 3. The encryption process of the billing statement will be explained in detail below. Figure 3 is a schematic diagram of the decryption process of a billing statement according to an embodiment of the present invention.

In step 300, the user sends a decryption request to the billing module 120 through the communication module 110 in the application 210. In step 310, after receiving the decryption request, the billing module 120 forwards the decryption request to the encryption/decryption module 130.

Steps 320-370 in Figure 3 are similar to steps 220-270 in Figure 2. Because the encryption/decryption module 130 has deleted the human identification information, the first string, the password string, the second string, and the third string in step 290, the process of generating the ciphertext for encryption/decryption must be repeated again in the decryption process of Figure 3.

In step 380, the encryption/decryption module 130 uses the third string to decrypt the bill and then sends the decrypted bill to the application 210 of the user device 200, allowing the user to view the bill and choose to perform other functions of the electronic billing integration system 100.

In step 390, similarly, the encryption/decryption module 130 deletes the first string, the password string, the second string, and the third string again.

According to one embodiment of the present invention, when a user wants to pay for certain items on certain bills, the application 210 of the user device 200 first sends a payment request to the billing integration module 120. Then, after receiving the notification from the billing integration module 120, the encryption/decryption module 130 decrypts the bills according to the encryption/decryption rules and then transmits the bills to the user device 200 through the communication module 110.

The payment integration module 140 is connected to the encryption/decryption module 130. When the user device 200 selects multiple items to be paid from the consumption items in the bills, it sends the selections to the payment integration module 140. The payment integration module 140 then outputs the items to be paid as a bill to be paid and transmits the bill to be paid to the user device 200 via the communication module 110, allowing the user to pay at the payment device 400. According to one embodiment of the present invention, the payment integration module 140 can also add a payment icon to the bill to be paid to facilitate the payment device 400 in reading the bill.

When the payment device 400 is a convenience store cash register, due to the single payment limit, if the total amount of the bill exceeds the convenience store payment limit, the payment consolidation module 140 will send a query message to the user device 200 through the communication module 110, asking the user whether they want to split the bill into several bills with a total amount less than the convenience store payment limit, so that the user can pay at the convenience store. If the user replies that they want to split the bill, the payment consolidation module 140 will split the bill into several bills with a total amount less than the convenience store payment limit. If the user replies that they do not wish to pay separately, remind them that they need to pay at a bank ATM.

Next, after the payment device 400 confirms receipt of payment from the user for one of the pending bills, the payment device 400 transmits a payment receipt notification to the payment consolidation module 140 via the communication module 110. Then, the payment consolidation module 140 allocates the payment to the respective payment collection devices 300 for those items on the pending bill, based on the specific transactions on the pending bill. Once the payment collection devices 300 for those transactions confirm receipt, they send a payment confirmation notification back to the payment consolidation module 140 via the communication module 110. Upon receiving the payment confirmation notification, the payment integration module 140 marks the relevant expense items on the pending bill as "Payment Completed" for the user's confirmation.

According to one embodiment of the present invention, the electronic billing integration system 100 further includes an accounting classification module 150, which is connected to the encryption/decryption module 130. The accounting classification module 150 classifies the consumption items into multiple consumption categories according to a classification standard, and periodically calculates the total amount of each consumption category. Through decryption by the encryption/decryption module 130 and outputting the user's consumption history report to the user device 200 via the communication module 110, the user can understand the changes in the total amount of each consumption category over a past period.

According to one embodiment of this invention, the classification standard can be, for example, categorized into food, clothing, housing, transportation, education, and entertainment. The accounting classification module 150 can, for example, incorporate a machine learning model to learn and identify the names of consumer items for classification. Classification methods can, for example, be based on brand recognition; familiar "Apple" brand items can be categorized under "Entertainment," and familiar "Timberland" brand items under "Clothing." If a new brand is encountered, its official website can be crawled to obtain its consumer category.

According to one embodiment of the present invention, the electronic billing integration system 100 further includes a financial analysis module 160, which is connected to the encryption/decryption module 130 and the accounting classification module 150. The financial analysis module 160 receives the consumption categories and the total amount of each consumption category from the accounting classification module 150. Then, it compares the total amount of each consumption category for the user with the average consumption of each consumption category for the user's consumer group. The user's financial analysis report is then output to the user device 200 via the encryption/decryption module 130 and the communication module 110, allowing the user to understand the differences between their own consumption status and the average spending status of their consumer group. According to one embodiment of the present invention, the consumer group to which the user belongs can be, for example, people of the same age, salary level and region as the user, as the comparison object.

According to one embodiment of the present invention, the electronic billing integration system 100 further includes a bill reminder module 170, which is connected to the encryption/decryption module 130. The bill reminder module 170 receives the decrypted bills from the encryption/decryption module 130 and checks the consumption items on the bills. When the bill reminder module 170 finds that the consumption items meet a reminder criterion, the bill reminder module 170 sends a reminder message to the user device 200 through the communication module 110.

According to one embodiment of this invention, the reminder standard includes abnormal charges, subscription services, installment payments, and overpayments. For example, for subscription services, the bill reminder module 170 will remind the user of the subscription start date, the cost per installment, and the next payment date, allowing the user to consider whether to renew the subscription for the next period. For installment payments, the bill reminder module 170 will remind the user of how many installments are left to pay, the amount of each installment, and the installment interest rate. For overpayments, the bill reminder module 170 will remind the user of the amount of the overpayment for a certain bill or a certain consumption item, and whether it can be refunded or offset against the next bill, etc.

As can be seen from the above, the electronic billing integration system provided by this invention has at least the following advantages.

Bill Consolidation System: This system can consolidate multiple electronic bills and handle different input methods, including paper bills and other types of bills. Such a system allows users to clearly see what bills are due and their details on a single user interface.

Security: The encryption/decryption module uses biometric information for encryption and decryption, which enhances system security. The encryption/decryption rules also include multiple steps, including integrating the user's biometrics and password, and re-encoding using Base64 rules, further ensuring data security.

Convenient payment process: The system allows users to select the items to be paid on the payment device and then make the payment through the communication module. This simplifies the payment process, making it more convenient and faster.

Financial Management Functions: The system also includes an accounting and classification module and a financial analysis module, which can help users analyze and manage their spending. The accounting and classification module can categorize spending items and calculate amounts, while the financial analysis module can compare a user's spending with the average of a corresponding consumer group, thereby helping users better understand their financial situation.

Reminder Function: The system also includes a bill reminder module, which can send reminder messages based on reminder criteria to help users avoid missing important payment matters, such as abnormal charges, subscription services, installment payments, and overpayments.

Overall, this system combines security, convenience, and management features, providing users with a comprehensive electronic billing solution.

Although the invention has been disclosed above by way of implementation, it is not intended to limit the invention. Anyone skilled in the art may make various modifications and alterations without departing from the spirit and scope of the invention. Therefore, the scope of protection of the invention shall be determined by the appended patent application.

100: Electronic Billing Integration System 110: Communication Module 120: Billing Integration Module 130: Encryption/Decryption Module 140: Payment Integration Module 150: Accounting and Classification Module 160: Financial Analysis Module 170: Bill Reminder Module 200: User Device 210: Application 220: Image Scanning Module 230: Facial Recognition Module 300: Payment Device 400: Payment Device 200-290: Steps 300-390: Steps

To make the above and other objects, features, advantages and embodiments of the present invention more apparent and understandable, the accompanying drawings are described below.

Figure 1 is a schematic diagram of the functional architecture of an electronic billing integration system according to an embodiment of the present invention.

Figure 2 is a schematic diagram of the encryption process for a payment bill according to an embodiment of the present invention.

Figure 3 is a schematic diagram of the decryption process of a payment bill according to one embodiment of the present invention.

100: Electronic Billing Integration System

110: Communication Module

120: Billing Integration Module

130: Encryption/Decryption Module

140: Payment Integration Module

150: Accounting and Categorization Module

160: Financial Analysis Module

170: Billing Reminder Module

200: User Device

210: Applications

220: Image Scanning Module

230: Human Body Recognition Module

300: Payment Device

400: Payment Device

Claims (13)

An electronic billing consolidation system includes: a communication module communicatively connected to a user device, a payment device, and a payment receiving device owned by a user; wherein the communication module receives a plurality of payment bills from the user device, wherein the payment bills contain a plurality of expense items; the payment device includes a convenience store cash register and a bank ATM; and the payment receiving device belongs to a payment platform, a merchant, a third-party bank, or an agency; and a billing consolidation module communicatively connected to the communication module to receive and consolidate information from the communication module. The payment bills; an encryption/decryption module, connected to the bill integration module; when the bill integration module transmits the payment bills to the encryption/decryption module, the encryption/decryption module encrypts the payment bills according to an encryption/decryption rule before storing them in the bill integration module; the operation method of the encryption/decryption rule includes, according to a first rule, the encryption/decryption module extracting a first string from the user's biometric information; according to a second rule, the encryption/decryption module combining the first string with a password entered by the user. The first string is combined into a second string; according to a third rule, the encryption/decryption module re-encodes the second string to obtain a third string, which serves as ciphertext for encryption/decryption; the encryption/decryption module uses this ciphertext to encrypt the bills, then deletes the first string, the ciphertext, the second string, and the third string; when the user device sends a decryption request to the bill integration module to access the bills, the bill integration module sends the decryption request to the encryption/decryption module, which then further decrypts the bills according to the encryption/decryption rule. The encryption and decryption rules decrypt the bills and then transmit them to the user device through the communication module. The encryption and decryption rules include human identification information. A payment integration module is connected to the encryption and decryption module. When the user device selects multiple items to be paid from the consumption items in the bills, the payment integration module outputs the items to be paid as a bill to be paid and then transmits the bill to be paid to the user device through the communication module, allowing the user to pay at the payment device. The electronic billing integration system as described in claim 1, wherein the user device transmits the bills to the billing integration module through the communication module by means of directly obtaining electronic files of the bills, reading a bill graphic corresponding to the bills, or having the user manually enter the bills. The electronic billing integration system as described in claim 1, wherein the biometric information includes fingerprint information, facial recognition information, or a combination of the two. The electronic billing integration system as described in claim 1, wherein the first rule includes a string consisting of the nth to mth characters from the biometric information, and m > n. The electronic billing integration system as described in claim 1, wherein the second rule includes directly adding the first string and the password string, or alternating the first string and the password string. The electronic billing integration system as described in Request 1, wherein the third rule includes a Base64 encoding rule. The electronic billing integration system as described in claim 1, wherein the payment integration module adds a payment image code to the bill to be paid to facilitate the payment device in reading the bill to be paid. In the electronic billing consolidation system described in claim 1, after the payment device confirms receipt of a payment from one of the users, the payment device transmits a payment receipt notification to the payment consolidation module through the communication module, and the payment consolidation module then allocates the payment to the payment collection devices for the items on the bill of exchange according to the items on the bill of exchange. As described in claim 8, in the electronic billing integration system, after the payment devices for the items on the bill to be paid confirm receipt of payment, a confirmation of receipt notification is sent back to the payment integration module through the communication module, and the payment integration module marks "payment completed" on the items on the bill to be paid. The electronic billing integration system as described in claim 1 further includes an accounting classification module connected to the encryption/decryption module. The accounting classification module classifies the consumption items into multiple consumption categories according to a classification standard, and periodically calculates the total amount of multiple amounts for each of the consumption categories. Through decryption by the encryption/decryption module and output of the user's consumption history report to the user's device by the communication module. The electronic billing integration system as described in claim 10 further includes a financial analysis module that is connected to the encryption/decryption module and the accounting classification module. The financial analysis module receives the consumption categories and the total amount of the consumption categories from the accounting classification module, compares the total amount of the user's consumption categories with the average consumption of the user's consumption categories in multiple consumption categories of a consumer group, and then outputs a financial analysis report of the user to the user's device through decryption by the encryption/decryption module and communication module. The electronic billing integration system as described in claim 1 further includes a bill reminder module connected to the encryption/decryption module. The bill reminder module receives the decrypted bills from the encryption/decryption module, checks the consumption items on the bills, and when the bill reminder module finds that the consumption items meet a reminder criterion, the bill reminder module sends a reminder message to the user device through the communication module. The electronic billing system as described in claim 12 includes alert criteria for abnormal charges, subscription services, installment payments, and overpayments.