TWM659374U - Electronic Billing Integration System - Google Patents

Abstract

An electronic bill integration system is provided, comprising a communication module, a bill integration module, an encryption/decryption module and a payment integration module electrically connected to each other. The communication module receives a plurality of payment bills including a plurality of consumption items from a user device. The bill integration module receives and integrates these payment bills. The encryption/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 read them. The payment integration module integrates the consumption items selected by the user to be paid and outputs the bill to be paid to the user device, so that the user can pay the money accordingly.

Description

Electronic Billing Integration System

The invention relates to an electronic bill integration system.

Today, there are many ways to pay credit card bills, including paper bills, electronic bills, and automatic deductions. In order to keep up with the paperless trend and reduce paper costs, many banks have introduced various incentives, such as reducing the number of times paper bills are used to waive annual fees, to encourage customers to switch to electronic bill payments.

However, when a customer has multiple credit cards, converting all bills into electronic bills and sending them to emails may cause inconvenience in payment. Customers need to spend extra time looking for the bill information in the email and cannot confirm whether the payment has been completed. In order to confirm the payment, customers also need to use other channels, such as online banking or intelligent customer service systems.

In addition, many payment mechanisms have begun to use email or SMS to send payment-related messages, such as Chunghwa Telecom's telecommunications bill payment. However, this method also cannot confirm the payment status in real time.

In addition, when registering for the exam, in addition to using the automatic deduction method provided on the website from your bank account, you usually need to go to a convenience store to print out the payment bill and save the payment receipt. This method does not solve the problem of paper bills.

In summary, although electronic bills reduce the use of paper, the payment process is still not convenient enough for customers who have multiple bills to pay, and there are problems with confirming payment and managing multiple bills.

Therefore, one aspect of the present invention is to provide an electronic bill integration system that can integrate multiple electronic bills and provide different input methods to integrate paper bills and other types of bills. Therefore, the electronic bill integration system provided by the present invention allows users to clearly understand which bills to be paid and their related contents on a user interface.

The electronic bill integration system includes a plurality of hardware modules composed of a plurality of circuits that are electrically connected to each other, and the hardware modules include a communication module, a bill integration module, an encryption and decryption module, and a payment integration module. The communication module is in communication with a user device, a payment device, and a collection device owned by the user. The communication module receives a plurality of payment bills from the user device, and the payment bills include a plurality of consumption items. The payment device includes a cash register of a convenience store and a bank teller machine, and the collection device belongs to a payment platform, a merchant, a generation bank, or an agency. The bill integration module is electrically connected to the communication module to receive and integrate the payment bills from the communication module. The encryption and decryption module is electrically connected to the bill integration module. When the bill integration module transmits the payment bills to the encryption and decryption module, the encryption and decryption module encrypts the payment bills and stores them in the bill integration module. When the user device transmits a payment request to the bill integration module, the bill integration module transmits the payment bills to the user device through the decryption of the encryption and decryption module and the communication module. The payment integration module is electrically connected to the encryption and decryption module. After the user device selects a plurality of items to be paid from the consumption items on the payment bills, the payment integration module outputs the items to be paid as bills to be paid, and then transmits the bills to be paid to the user device via the communication module, so that the user can pay the bills at the payment device.

According to an embodiment of the present invention, the user device transmits the payment bills to the bill integration module via the communication module by directly obtaining electronic files of the payment bills, reading a bill code corresponding to the payment bills, or manually inputting the payment bills by the user.

According to an embodiment of the present invention, an encryption and decryption rule of the bills includes: the user's fingerprint or face identification information, the user's ID number and the serial number of the bills.

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

According to an embodiment of the present invention, after the payment device confirms receipt of a payment from the user, the payment device transmits a payment receipt notification to the payment integration module via the communication module, and the payment integration module then distributes the payment to the payment collection devices of the consumption items on the bill to be paid according to the consumption items on the bill to be paid.

According to an embodiment of the present invention, after the payment devices of the consumption items on the bill to be paid have confirmed the payment, a payment confirmation notification is sent back to the payment integration module through the communication module, and the payment integration module marks "payment completed" on the consumption items on the bill to be paid.

According to an embodiment of the present invention, the electronic bill integration system further includes an accounting classification module, which is electrically connected to the encryption and decryption module. The accounting classification module classifies the consumption items into a plurality of consumption categories according to a classification standard, and regularly calculates the total amount of a plurality of amounts of the consumption categories, and outputs a consumption history report of the user to the user device through decryption of the encryption and decryption module and the communication module.

According to an embodiment of the present invention, the electronic bill integration system further includes a financial analysis module, which is electrically connected to the encryption and decryption module and the accounting classification module. The financial analysis module receives the consumption categories and the total amounts of the consumption categories from the accounting classification module, compares the total amounts of the consumption categories of the user with a plurality of consumption averages of the consumption categories of a consumer group to which the user belongs, and then outputs a financial analysis report of the user to the user device through decryption by the encryption and decryption module and the communication module.

According to an embodiment of the present invention, the electronic bill integration system further includes a bill reminder module, which is electrically connected to the encryption and decryption module. The bill reminder module receives the decrypted payment bills from the encryption and decryption module and checks the consumption items on the payment bills. 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 an embodiment of the present invention, the reminder criteria include unusual expenses, subscription services, installments, and overpaid fees.

As can be seen from the above, the new electronic bill integration system integrates multiple hardware modules, including communication, bill integration, encryption and decryption, and payment integration modules, providing users with a convenient and secure integrated payment method for multiple bills. Through the automated process, users can easily manage payment bills. The electronic bill integration system also provides statistics and analysis functions to help users understand consumption habits and financial status, and through the reminder function, it can timely remind users of important payment information to improve payment efficiency and financial management level.

The above novel contents are intended to provide a simplified summary of the contents of the novel so that readers can have a basic understanding of the contents of the novel. This novel content is not a complete overview of the contents of the novel, and its intention is not to point out the important/key elements of the embodiments of the novel or to define the scope of the novel. After referring to the following implementation methods, those with ordinary knowledge in the technical field to which the novel belongs can easily understand the basic spirit and other novel purposes of the novel, as well as the technical means and implementation aspects adopted by the novel.

Based on the above, an electronic bill integration system is provided. This electronic bill integration system can provide users with a convenient and secure integrated payment method for multiple bills. In the following description, an exemplary functional architecture of the above-mentioned electronic bill integration system and its exemplary implementation method will be introduced. In order to easily understand the embodiments, a lot of technical details will be provided below. Of course, not all embodiments require these technical details. At the same time, some well-known structures or components will only be drawn in the drawings in a schematic manner to appropriately simplify the contents of the drawings.

In order to make the description of the content of the novel more detailed and complete, the following provides an illustrative description of the implementation aspects and specific embodiments of the novel; however, this is not the only form of implementing or using the specific embodiments of the novel. The implementation method covers the features of multiple specific embodiments and the method steps and their sequences for constructing and operating these specific embodiments. However, other specific embodiments can also be used to achieve the same or equal functions and step sequences.

For the convenience of description, the following devices are described by being divided into various units according to their functions. Of course, when implementing the present invention, the functions of each unit can be implemented in the same or multiple software and/or hardware. The present invention is described with reference to the flow charts and/or block diagrams of the methods, equipment (or devices or systems), and computer program products according to the embodiments of the present invention. It should be understood that each process and/or box in the flow chart and/or block diagram, as well as the combination of the processes and/or boxes in the flow chart and/or block diagram, can be implemented by computer program instructions. These computer program instructions may 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, so that the instructions executed by the processor of the computer or other programmable data processing device produce a device for implementing the functions specified in one or more processes in the flowchart and/or one or more boxes in the block diagram.

FIG1 is a functional architecture diagram of an electronic bill integration system according to an embodiment of the present invention. In FIG1 , the electronic bill integration system 100 includes a plurality of hardware modules composed of a plurality of circuits electrically connected to each other, and the hardware modules include a communication module 110, a bill integration module 120, an encryption and decryption module 130, and a payment integration module 140. The user device 200 includes a barcode scanning module 210, a fingerprint recognition module 220, and a face recognition module 230 electrically connected to each other.

The communication module 110 is in communication with the user device 200, the payment device 400 and the payment device 300 owned by the user. The communication module 110 receives a plurality of payment bills from the user device 200, and the payment bills include a plurality of consumption items. According to some embodiments of the present invention, the user device may be, for example, a mobile phone, a tablet, a laptop or a personal computer, etc. The payment device 400 may include, for example, a cash register of a convenience store and an ATM of a bank. The payment device 300 may belong to, for example, a payment platform, a merchant, a bank agent or an agency unit, depending on the payment unit shown on the payment bills.

The bill integration module 120 is electrically connected to the communication module 110 to receive and integrate the payment bills from the communication module 110. According to an embodiment of the present invention, the user device 200 transmits the payment bills to the bill integration module 120 via the communication module 110 by directly obtaining the electronic files of the payment bills, reading the bill codes corresponding to the payment bills, or manually inputting the payment bills by the user. Therefore, the user device 200 may also optionally include a code scanning module 210 to scan the bill codes to obtain the content of the corresponding payment bills.

For example, when the user only has paper bills, or when the bills of certain agencies can only be displayed as web bills on the web, bill codes can be added to these bills to correspond to the contents of these bills. In this way, the user device 200 can directly and quickly input the contents of the corresponding bills by scanning the bill code. The bill code can be, for example, a QR code. For another example, when the above-mentioned paper bills or web bills do not have bill codes, the user is allowed to manually input the contents of the consumption items of these bills on the user device 200 and transmit them to the bill integration module 120 through the communication module 110.

The encryption and decryption module 130 is electrically connected to the bill integration module 120. After the bill integration module 120 transmits the payment bills to the encryption and decryption module 130, the encryption and decryption module 130 encrypts the payment bills and stores them in the bill integration module 120 to complete the integration of the payment bills. When the user has any need to review the bills, such as to inquire about the bills or to pay the payment bills, the encryption and decryption module 130 will decrypt the payment bills and provide them to the user for review.

According to an embodiment of the present invention, the encryption and decryption rules of the bills may include the user's personal information. For example, the encryption and decryption rules of the bills may be composed of the user's fingerprint or face identification information, the user's ID number, and the serial number of the bills to increase the information security of the bills. The user's fingerprint or face may be identified by the fingerprint recognition module 220 or the face recognition module 230 of the user device 200.

According to an embodiment of the present invention, when the user wants to pay for some of the consumption items on the bills, the user device 200 sends a payment request to the bill integration module 120. Then, the bill integration module 120 decrypts the bills through the encryption and decryption module 130, and then the communication module 110 sends the decrypted bills to the user device 200.

The payment integration module 140 is electrically connected to the encryption/decryption module 130. When the user device 200 selects a plurality of items to be paid from the consumption items on the payment bills, the items are transmitted 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 then transmits the bill to be paid to the user device 200 via the communication module 110, so that the user can pay the bill at the payment device 400. According to an embodiment of the present invention, the payment integration module 140 can also add a payment code to the bill to be paid, so that the payment device 400 can read the bill to be paid.

When the payment device 400 is a cash register of a convenience store, since there is a single payment limit, when the total amount of the bill to be paid exceeds the payment limit of the convenience store, the payment integration module 140 will send a query message to the user device 200 through the communication module 110, asking the user whether to split the bill to be paid into several bills with a total amount less than the payment limit of the convenience store, so as to facilitate the user to pay at the convenience store. If the user replies that he wants to split the payment, the payment integration module 140 will split the bill to be paid into several bills with a total amount less than the payment limit of the convenience store. If the user replies that he/she does not want to pay separately, the user will be reminded to go to the bank's ATM to pay.

Next, when the payment device 400 confirms receipt of a payment made by the user for the bill to be paid, the payment device 400 transmits a payment receipt notification to the payment integration module 140 via the communication module 110. Then, the payment integration module 140 distributes the payment to the payment collection devices 300 of the consumption items of the bill to be paid according to the consumption items of the bill to be paid. When the payment collection devices 300 of the consumption items of the bill to be paid confirm receipt of the payment, a payment receipt notification is sent back to the payment integration module 140 via the communication module 110. After receiving the payment confirmation notification, the payment integration module 140 marks "payment completed" on the consumption items on the bill to be paid for the user to confirm.

According to an embodiment of the present invention, the electronic bill integration system 100 further includes an accounting classification module 150, which is electrically connected to the encryption and decryption module 130. The accounting classification module 150 classifies the consumption items into a plurality of consumption categories according to a classification standard, and regularly calculates the total amount of a plurality of consumption categories, and outputs a consumption history report of the user to the user device 200 through the decryption of the encryption and decryption module 130 and the communication module 110. In this way, the user can understand the changes in the total amount of each consumption category in the past period.

According to an embodiment of the present invention, the classification standard can be, for example, food, clothing, housing, transportation, and entertainment. The accounting classification module 150 can, for example, have a built-in machine learning model that learns to recognize the names of consumption items for classification. The classification method can be, for example, classified by identifying consumer brands, such as classifying the familiar "Apple" brand consumption items in the "Entertainment" category, and classifying the familiar "Timberland" brand consumption in the "Clothing" category. If you encounter a new brand, you can go to the official website of the new brand and crawl the official website content to obtain the consumption category of the new brand.

According to an embodiment of the present invention, the electronic bill integration system 100 further includes a financial analysis module 160, which is electrically connected to the encryption and decryption module 130 and the accounting classification module 150. The financial analysis module 160 receives the consumption categories and the total amounts of the consumption categories from the accounting classification module 150. Then, the total amounts of the consumption categories of the user are compared with the multiple consumption averages of the consumption categories of a consumer group to which the user belongs. Then, through the decryption of the encryption and decryption module 130 and the output of a financial analysis report of the user to the user device 200 by the communication module 110, the user can understand the differences and similarities between his own consumption status and the average spending status of the consumer group to which he belongs. According to an embodiment of the present invention, the consumer group to which the user belongs, for example, can be people of the same age group, same salary level, and same region as the user, as the comparison object.

According to an embodiment of the present invention, the electronic bill integration system 100 further includes a bill reminder module 170, which is electrically connected to the encryption and decryption module 130. The bill reminder module 170 receives the decrypted bills from the encryption and 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 standard, the bill reminder module 170 sends a reminder message to the user device 200 via the communication module 110.

According to an embodiment of the present invention, the reminder standard includes abnormal expenses, subscription services, installments, and overpayments. For example, in the case of a subscription service, the bill reminder module 170 will remind the user of the subscription start date, the cost of each subscription period, and the next payment date, so that the user can consider whether to renew the subscription next time. For example, in the case of installment payments, the bill reminder module 170 will remind the user how many installments are left to be paid, how much each installment payment is, and what the installment interest rate is. For example, in the case of overpayments, the bill reminder module 170 will remind the user of the overpayment of a certain payment bill or a certain consumption item, whether it can be refunded or can be deducted from the next bill, etc.

From the above, it can be seen that the electronic bill integration system provided by the present invention has at least the following advantages.

Integration: The electronic bill integration system can integrate multiple electronic bills, and can also provide different input methods to integrate paper bills and other types of bills. Therefore, the electronic bill integration system provided by the new technology allows users to clearly understand which bills to be paid and their related contents on a user interface, and makes the payment process smoother.

Security: The encryption and decryption module uses multiple authentication rules, such as fingerprints and ID numbers, to ensure the security of payment information and prevent information leakage and theft.

Automation: The payment integration module can automatically generate bills to be paid based on the user's selection and send them to the user's device, reducing the need for manual operations by the user and improving payment efficiency.

Statistics and analysis: The accounting classification module can classify and count consumption items and generate consumption history reports, while the financial analysis module can compare and analyze consumption categories and amounts with similar consumer groups to help users understand their consumption habits and financial status.

Reminder function: The bill reminder module can remind users in time based on the set reminder criteria, such as unusual spending, subscription services, installments, and overpayments, to avoid missing important payment information and incurring unnecessary fees.

In summary, this new electronic bill integration system not only provides a variety of convenient payment functions, but also has high security and intelligent management functions, which can effectively improve users' payment experience and financial management efficiency.

Although the present invention has been disclosed in the form of implementation as above, it is not intended to limit the present invention. Anyone skilled in the art can make various changes and modifications without departing from the spirit and scope of the present invention. Therefore, the protection scope of the present invention shall be determined by the scope of the attached patent application.

100: Electronic bill integration system 110: Communication module 120: Bill integration module 130: Encryption and decryption module 140: Payment integration module 150: Account classification module 160: Financial analysis module 170: Bill reminder module 200: User device 210: Image scanning module 220: Fingerprint recognition module 230: Face recognition module 300: Cash collection device 400: Payment device

In order to make the above and other purposes, features, advantages and embodiments of the present invention more clearly understood, the attached drawings are described as follows.

FIG. 1 is a functional architecture diagram of an electronic bill integration system according to an embodiment of the present invention.

100: Electronic billing integration system

110: Communication module

120: Billing integration module

130: Encryption and decryption module

140: Payment integration module

150: Accounting classification module

160: Financial Analysis Module

170: Bill reminder module

210: Image scanning module

220: Fingerprint recognition module

230: Face recognition module

200: User device

300: Payment device

400: Payment device

Claims (10)

An electronic bill integration system includes a plurality of hardware modules composed of a plurality of circuits electrically connected to each other, wherein the hardware modules include: A communication module, which is in communication with a user device, a payment device and a payment collection device owned by a user, wherein the communication module receives a plurality of payment bills from the user device, wherein the payment bills include a plurality of consumption items, the payment device includes a cash register of a convenience store and a bank teller machine, and the payment collection device belongs to a payment platform, a merchant, a generation bank or an agency unit; A bill integration module, which is electrically connected to the communication module to receive and integrate the payment bills from the communication module; An encryption and decryption module, which is electrically connected to the bill integration module, When the bill integration module transmits the payment bills to the encryption and decryption module, the encryption and decryption module encrypts the payment bills and stores them in the bill integration module. When the user device transmits a payment request to the bill integration module, the bill integration module transmits the payment bills to the user device through the decryption of the encryption and decryption module and the communication module; and a payment integration module, electrically connected to the encryption and decryption module, When the user device selects a plurality of items to be paid from the consumption items on 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 via the communication module, so that the user can pay the bill via the payment device. The electronic bill integration system as described in claim 1, wherein the user device transmits the payment bills to the bill integration module via the communication module by directly obtaining the electronic files of the payment bills, reading a bill image code corresponding to the payment bills, or manually inputting the payment bills by the user. An electronic bill integration system as described in claim 1, wherein one of the encryption and decryption rules of the payment bills includes: the user's fingerprint or facial recognition information, the user's ID number, and the serial number of the payment bills. An electronic bill consolidation system as described in claim 1, wherein the payment consolidation module adds a payment code to the bill to be paid to facilitate the payment device to read the bill to be paid. An electronic bill consolidation system as described in claim 1, wherein when the payment device confirms receipt of a payment from the user, the payment device transmits a payment receipt notification to the payment consolidation module via the communication module, and the payment consolidation module then distributes the payment to the payment collection devices of the consumption items on the bill to be paid according to the consumption items on the bill to be paid. As described in claim 5, in the electronic bill integration system, when the payment devices of the consumption items on the bill to be paid confirm the payment, a payment confirmation notification is sent back to the payment integration module through the communication module, and the payment integration module marks "payment completed" on the consumption items on the bill to be paid. The electronic bill integration system as described in claim 1 further includes an accounting classification module, which is electrically connected to the encryption and decryption module. The accounting classification module classifies the consumption items into a plurality of consumption categories according to a classification standard, and periodically calculates the total amount of a plurality of amounts of the consumption categories, and outputs a consumption history report of the user to the user device through decryption of the encryption and decryption module and the communication module. The electronic bill integration system as described in claim 7 further includes a financial analysis module, which is electrically connected to the encryption and decryption module and the accounting classification module. The financial analysis module receives the consumption categories and the total amounts of the consumption categories from the accounting classification module, compares the total amounts of the consumption categories of the user with multiple consumption averages of the consumption categories of a consumer group to which the user belongs, and then outputs a financial analysis report of the user to the user device through decryption by the encryption and decryption module and the communication module. The electronic bill integration system as described in claim 1 further includes a bill reminder module electrically connected to the encryption and decryption module. The bill reminder module receives the decrypted payment bills from the encryption and decryption module and checks the consumption items on the payment bills. 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. An electronic bill consolidation system as claimed in claim 9, wherein the reminder criteria include unusual expenses, subscription services, installment payments, and overpaid fees.

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