TWM636594U - Withholding fee integration system - Google Patents

Abstract

The withholding fee integration system includes a withholding fee integration device, a user device, a withholding server on the bank side, and a withholding server on the business unit side. In response to a user certificate uploaded by the user device, the withholding fee integration device verifies the user certificate. When the user certificate is verified, the withholding server on the bank side or the withholding server on the business unit side makes a payment or bill withholding agreement according to the selection from the user device.

Description

Withholding fee integration system

The present disclosure relates to a withholding system, in particular to a personalized withholding business expense integration system.

In view of the fact that most people currently hold several credit cards, and there are a wide variety of public and non-public utility projects that need to be paid irregularly, when receiving physical/electronic bills, it is often necessary to go to a cooperative institution for payment operations, or to In addition, it is cumbersome to separately agree with each bank or business unit to withhold payment, and sometimes there is a risk of overdue payment if you don’t pay attention; and the various entities and electronic accounts after payment are scattered in various districts, and it is very difficult to keep them. not easy.

Therefore, how to lower the withholding threshold while taking into account the convenience is really considered by people in the field.

One embodiment of this case is to provide a system for integrating withholding fees, including: a first-generation withholding fee integration device; a user device, coupled to the withholding fee integration device; at least one bank-side withholding server, coupled connected to the withholding fee integration device; and at least one business unit-side withholding server coupled to the withholding fee integration device, wherein a user device uploaded in response to the user device logging in the withholding fee integration device Voucher, the withholding fee integration device verifies the user certificate, and when the user device is verified by the withholding fee integration device, the withholding server at the at least one bank end or the withholding server at the at least one business unit end The server responds to a selection of the user device to perform a payment or bill withholding agreement.

In some embodiments, the user device further includes a user interface for inputting the selection.

In some embodiments, the user interface is further used to display the withholding agreement of the payment or bill.

In some embodiments, the user credential is a natural person credential.

In some embodiments, the withholding fee integration device further includes a natural person credential verification component for verifying the natural person credential.

In some embodiments, the user credential is a financial credential.

In some embodiments, the withholding fee integration device further includes a financial credential verification component for verifying the financial credential.

In some embodiments, the withholding fee integration device further includes a reminder element for providing a payment notification reminder to the user device.

In some embodiments, the withholding fee integration device further includes a data storage component for storing the withholding agreement of the payment or bill.

In some embodiments, when the withholding server at the at least one bank end or the withholding server at the at least one business unit end completes the withholding in response to the withholding agreement of the payment or bill, the data storage element is further used for Save the withholding receipt.

Therefore, according to the technical content of this case, a one-generation withholding fee integration system is provided. After the user logs into the integration system and passes the identity verification, he can connect with the banks or business units he chooses for instant deduction or agreed withholding Payment operation, and save the bill write-off file after the deduction is completed, for customers to check and check later, so that users can greatly simplify the payment procedures of various payment, and can check the payment history at any time, improving the convenience of payment sex.

The following will clearly illustrate the spirit of this case with diagrams and detailed descriptions. Anyone with ordinary knowledge in the technical field can change and modify the technology taught in this case after understanding the embodiment of this case. It does not depart from the spirit of this case. Spirit and scope.

The terminology used herein is for the purpose of describing particular embodiments only, and is not intended to be limiting of the present case. Singular forms such as "a", "the", "the", "this" and "the", as used herein, also include plural forms.

As used herein, "coupling" or "connection" can refer to two or more elements or devices that are in direct physical contact with each other, or that are in indirect physical contact with each other, or that two or more elements or devices are in physical contact with each other. operation or action.

"Includes", "including", "has", "containing" and so on used in this article are all open terms, meaning including but not limited to.

As used herein, "and/or" refers to any or all combinations of the above things.

Regarding the terms (terms) used in this article, unless otherwise specified, generally have the ordinary meaning of each term used in this field, in the content of this case and in the special content. Certain terms used to describe the subject matter are discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance in describing the subject matter.

In this case, in order to allow users to greatly simplify the payment procedures of various payment agencies, and to enable users to clearly understand the status of their monthly withholding payments, an integrated system of first-generation withholding fees is proposed. Users only need to log in to this system, After the identity verification is carried out through the user's personal natural person certificate or financial certificate, he can connect with the banks or institutions of his choice to carry out real-time deduction or agreed deduction operation. In addition, the bill write-off files that have been successfully deducted through the withholding fee integration system will also be stored in the withholding fee integration system for customers to check and check, and can be managed centrally. The integrated system of withholding and payment also provides payment notification reminders, so that customers no longer have the risk of overdue payment.

Figure 1 is a schematic diagram of an integrated system for withholding and payment of fees according to an embodiment of the present invention. According to one embodiment of the present invention, the withholding fee integration system 10, after verifying the identity of the user's personal natural person certificate or financial certificate, allows the user to connect to each bank or institution of his choice for instant deduction payment or agreed withholding payment operation. The withholding fee integration system 10 includes a first-generation withholding fee integration device 100 , a user device 200 , at least one bank-side withholding server 300 and at least one business unit-side withholding server 400 . In one embodiment, the withholding fee integration device 100 , the user device 200 , at least one bank-side withholding server 300 , and at least one business unit-side withholding server 400 are connected through the Internet 20 wirelessly or wired. The withholding fee integration device 100 can provide an application program installed in the user device 200 for the user to connect to the withholding fee integration device 100 through the Internet 20 through the application program to log in at least one bank terminal for withholding The server 300 or at least one business unit end withholding server 400 makes payment or bill withholding agreement. In one embodiment, the user device 200 may be one of a personal computer, a notebook computer, a tablet computer, a mobile device, or a smart wearable device or a combination thereof. In one embodiment, the withholding agreement includes credit card charges, utility charges, such as telephone charges, gas charges, water charges, and electricity charges.

In one embodiment, the user device 200 further provides a user interface 210. After the user device 200 connects to the withholding fee integration device 100 through the Internet 20 through the application program, a user can operate the The user interface 210 makes an agreement on payment or bill withholding on at least one bank-side withholding server 300 or at least one business unit-side withholding server 400 . In addition, the user can also add, modify, query and check the payment or bill withholding agreement through the user interface 210 at any time. In one embodiment, the user interface 210 can be a keyboard, a microphone, a mouse, a touch display, etc., for users to input information. Users can make payment or bill withholding agreements by operating keyboards, microphones, mice, and touch-sensitive displays. In one embodiment, the withholding fee integration device 100 may be formed by a server installed in a financial institution.

FIG. 2 is a schematic diagram of an integrated device for withholding and payment of fees according to an embodiment of the present invention. The withholding fee integration device 100 includes a natural person credential checking component 110 , a financial credential checking component 112 , a data storage component 114 and a data processing component 116 . Wherein, the data processing component 116 is coupled to the natural person credential checking component 110 , the financial credential checking component 112 and the data storage component 114 to serve as a main control component. In one embodiment, the data processing unit 116 may be a central processing unit (Central Processing Unit, CPU) or other programmable microprocessor (microprocessor).

In one embodiment, when the user connects to the withholding fee integration device 100 through the Internet 20 through the application program, in order to ensure that the payment or bill withholding agreement is made by the user himself, the withholding fee integration device 100 will Require users to authenticate themselves online. In one embodiment, the natural person certificate is the user's network identity card issued by the Certificate Center of the Ministry of the Interior. When the user uploads the natural person certificate to the withholding fee integration device 100 for authentication, the data processing component 116 will control the verification of the natural person certificate. The core component 110 checks the natural person certificate uploaded by the user through the user device 200 . In another embodiment, the financial certificate is applied for by the user through a bank, securities firm, insurance company, or financial holding company to apply for an online ID card. The data processing component 116 uploads the financial certificate to the withholding fee integration device 100 after the user uploads the financial certificate. When authentication is performed, the financial credential checking component 112 is controlled to check the financial credential uploaded by the user through the user device 200 .

After the verification is passed, the user can make a payment or bill withholding agreement on at least one bank-side withholding server 300 or at least one business unit-side withholding server 400 by operating the user interface 210 . The data storage component 114 is used to store the user's agreement on payment or bill withholding through the user interface 210, and to store the user's addition, modification, query, check, payment or bill withholding through the user interface 210 agreement. In another embodiment, after the contemporary withholding fee integration device 100 successfully withholds at least one bank-side withholding server 300 or at least one business unit-side withholding server 400 according to the user bill withholding agreement, the The withholding completion receipt will also be stored in the data storage element 114 for the user to check and check. In yet another embodiment, after the user directly pays fees through the withholding fee integration device 100 at at least one bank-side withholding server 300 or at least one business unit-side withholding server 400, the payment completion receipt is also It will be stored in the data storage element 114 for users to query and check. In some embodiments, the data storage element 114 can be implemented by using flash memory, read-only memory, hard disk, or any equivalent storage components.

In yet another embodiment, the device 100 for integrating withholding fees further includes a reminding component 115 for providing a payment notification reminder to the user device 200, so that the user no longer has the risk of overdue payment.

FIG. 3 is a flow chart of the implementation method 30 of the withholding fee integration device according to an embodiment of the present invention.

To execute the method 30, at step 301, the user connects to the withholding and payment integration device 100 through the application program. In step 302, identity verification is performed. In one embodiment, in order to ensure that the payment or bill withholding is agreed to be the user himself, the withholding fee integration device 100 will require the user to perform network identity authentication. When the user uploads the natural person certificate to the withholding fee integration device 100 for authentication, the data processing component 116 controls the natural person certificate checking component 110 to check the natural person certificate uploaded by the user through the user device 200 . When the user uploads the financial certificate to the withholding fee integration device 100 for authentication, the data processing component 116 controls the financial certificate checking component 112 to check the financial certificate uploaded by the user through the user device 200 . If the check is not passed, in step 303, the process ends.

On the contrary, if the verification is passed, at step 304, at least one bank-side withholding server 300 or at least one business entity-side withholding server 400 is selected to perform an agreement or query for payment or bill withholding. In one embodiment, if the check is passed, the user can select at least one bank-side withholding server 300 or at least one business unit-side withholding server 400 to make an appointment or query for payment or bill withholding. In step 305, it is judged whether the user is a customer of at least one bank end or at least one business unit end selected. If the user is not a customer of the selected at least one bank terminal or at least one business unit terminal, in step 303, the process ends.

Conversely, if the user is a customer of at least one bank end or at least one business unit end selected, the payment or bill withholding agreement or inquiry operation can be performed. Then in step 306, it is judged whether the agreement or inquiry operation of payment or bill withholding is successful. If not successful, in step 308, the payment or bill withholding agreement or inquiry operation failure message is displayed on the user device. Otherwise, in step 307, the payment or bill withholding agreement or inquiry result is displayed on the user device.

Accordingly, this project provides a one-generation withholding fee integration system. After the user logs into the integration system and passes the identity check, he can connect with the banks or institutions he chooses to perform instant deduction or agreed withholding operations, and The bill write-off file that has been debited is stored for subsequent inquiry and verification by customers. By doing so, users can greatly simplify the payment procedures of various payment agencies, and can check the payment history at any time.

Although this case is disclosed as above with the embodiment, it is not used to limit this case. Anyone who is familiar with this technology can make various changes and modifications without departing from the spirit and scope of this case. Therefore, the scope of protection of this case should be regarded as attached The scope of the patent application shall prevail.

10: Withholding fee integration system 20: Internet 30:Execution method 100: Withholding fee integration device 110: Natural person credential verification component 112: Financial voucher verification component 114: data storage element 115: reminder element 116: Data processing components 200: user device 210: user interface 300: bank withholding server 301-308: Steps 400: Institution side withholding server

The accompanying drawings here are incorporated into the specification and constitute a part of the specification. These drawings show the embodiments conforming to the present invention, and are used together with the description to explain the technical solutions of the embodiments of the present disclosure. Figure 1 is a schematic diagram of an integrated system for withholding and payment of fees according to an embodiment of the present invention. FIG. 2 is a schematic diagram of an integrated device for withholding and payment of fees according to an embodiment of the present invention. FIG. 3 is a flow chart of the execution method of the withholding fee integration device according to an embodiment of the present invention.

10: Withholding fee integration system

20: Internet

100: Withholding fee integration device

200: user device

210: user interface

300: bank withholding server

400: Institution side withholding server

Claims (10)

An integrated system for withholding and payment of expenses, comprising: One-generation withholding fee integration device; A user device, coupled to the withholding fee integration device; at least one bank-side withholding server coupled to the withholding fee integration device; and At least one withholding server at the business unit end is coupled to the withholding fee integration device, wherein in response to a user certificate uploaded by the user device logging into the withholding fee integration device, the withholding fee integration device verifies the user certificate, and After the user certificate is verified by the withholding fee integration device, the at least one bank-side withholding server or the at least one business unit-side withholding server responds to a selection of the user device to perform a payment or Bill withholding agreement. The withholding fee integration system as described in claim 1, wherein the user device further includes a user interface for inputting the selection. The integration system for withholding and payment of fees as described in claim 2, wherein the user interface is further used to display the withholding agreement of the payment or bill. The withholding fee integration system as described in Claim 1, wherein the user credential is a natural person credential. The withholding fee integration system as described in Claim 4, wherein the withholding fee integration device further includes a natural person credential verification component for verifying the natural person credential. The withholding fee integration system as described in Claim 1, wherein the user credential is a financial credential. The withholding fee integration system as described in Claim 6, wherein the withholding fee integration device further includes a financial credential verification component for verifying the financial credential. The withholding fee integration system as described in Claim 1, wherein the withholding fee integration device further includes a reminder element for providing a payment notification reminder to the user device. The withholding fee integration system as described in Claim 1, wherein the withholding fee integration device further includes a data storage element for storing the payment or bill withholding agreement. The withholding fee integration system as described in Claim 9, wherein when the at least one bank-side withholding server or the at least one business unit-side withholding server responds to the payment or bill withholding agreement to complete the withholding Afterwards, the data storage element is further used to store the withholding receipt.

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