CN1750036A - System and method for mnaging, exchanging and purchasing medium of electronic bill and electronic check - Google Patents

System and method for mnaging, exchanging and purchasing medium of electronic bill and electronic check Download PDF

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Publication number
CN1750036A
CN1750036A CNA2005100983013A CN200510098301A CN1750036A CN 1750036 A CN1750036 A CN 1750036A CN A2005100983013 A CNA2005100983013 A CN A2005100983013A CN 200510098301 A CN200510098301 A CN 200510098301A CN 1750036 A CN1750036 A CN 1750036A
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China
Prior art keywords
mentioned
electronic bill
information
user
echeck
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CNA2005100983013A
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Chinese (zh)
Inventor
西门勋
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KOREA SUPER BILL CO Ltd
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KOREA SUPER BILL CO Ltd
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Publication of CN1750036A publication Critical patent/CN1750036A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0227—Frequent usage incentive value reconciliation between diverse systems
    • G06Q30/0228—On-line clearing houses
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/08—Auctions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The present invention relates to the managing system which manages the electronic bill and electronic checks as well as the method, the converting system of electronic bill and electronic checks as well as the method, and the intermediary system of electronic bill trading as well as the method, in more detail issue and circulate electronic bill and checks, switch the physical bill and physical check to the electronic bill and electronic check, the managing system which sales and purchases the electronic bill and electronic check with trade, auction and back auction in the majority of purchasers and venders as well as the method, electronic bill and electronic checks as well as the method, and the intermediary system of electronic bill trading as well as the method.

Description

The system and method for electronic bill and eCheck management, conversion, dealing intermediary
Technical field
The present invention relates to electronic bill and eCheck management system and method, electronic bill and eCheck converting system and method, and electronic bill dealing intermediary system and method, issue in more detail and circulate electronic bill and check, bill in kind and check in kind are converted to electronic bill and eCheck, electronic bill between most buyers and the most sale person with the dealing, auction, contrary auction technique is sold, electronic bill and eCheck management system and the method bought, electronic bill and eCheck converting system and method, and electronic bill dealing intermediary system and method.Electronic bill and the eCheck management system and the method for intermediary's electronic bill between bill everyone and purchaser, electronic bill and eCheck converting system and method, and electronic bill dealing intermediary system and method.
Background technology
Recently,, set up worldwide networking structure, between the business and consumer or occurred the electronic accounting method of various forms in the transaction between enterprise and the enterprise along with the development of the splendidness of electronics engineering and ICT (information and communication technology).
The typical electronic settlement method has on the net transfer accounts (remittance), settles accounts credit card etc. on the net.Transfer accounts on the net be meant client (clearing person) utilize e-bank etc. connect bank server the cash remittance on the own account to reciprocal account.Though this transfers accounts on the net mode of great use, when client (clearing person) did not notify the other side in addition, the other side can not know that its clearing are true during customer statement.In addition, settling accounts credit card on the net is credit card information to be sent to PG (Payment Gateway) settle accounts credit card afterwards on the net.In addition, client (clearing person) should hold credit card, could utilize online clearing credit service.
Nearest IC-card electronic accounting mode is, supplements IC-card with money in the electronics mode, IC-card is connected on the other side's the card reader and the amount of money that derating is supplemented with money after clearing.But this mode is that client and the other side should be in same places, therefore can not be used in the transaction between remote, because of being suitable for penny ante, is not suitable for being used in the transaction (B2B:Business to Business) between the enterprise.
In addition, imaginary account clearing form is arranged also, imaginary account clearing form is after recharging by cash is on imaginary account, and the client transfers accounts the cash of imaginary account on the other side's the imaginary account on the net.Supplement with money on the cash on the imaginary account can only be transferred accounts the other side's imaginary account at this, for the cash of supplementing with money with on bank note expenditure or other bank account of remitting money, must transfer accounts with the actual bank account of oneself.
In order to solve as above-mentioned problem, CheckFree company provides the eCheck that is CheckFree PaymentServices service.Fig. 1 is the concept map according to the eCheck service of the CheckFree company of conventional art.With reference to Fig. 1,
1. client (clearing person) is when CheckFree company requires the distribution eCheck,
2. CheckFree company indication CheckFree bank transfer.
3. the eCheck data are sent to retailer's (the other side) transaction bank from CheckFree bank,
4. carry out the transfer of financial resources between customer bank and the CheckFree bank on a specified date.But the inconvenience of the eCheck service of CheckFree company is that retailer (the other side) must be to transaction bank presentation for payment eCheck in person, exist CheckFree company and retailer to conclude the business trouble that bank concludes business collaboration.And, the retailer above-mentioned eCheck after the CheckFree presentation for payment from client's transaction bank by cash payment, can not transfer the possession of eCheck to the third party.
In addition, the FSTC that set up in the U.S. in 1993 (Financial Services TechnologyConsortium) has constructed the electronic clearing system of being Electronic Cheque.Fig. 2 is the concept map according to the electronic clearing system of the FSTC of conventional art.With reference to Fig. 2,1. the client gets one of the eCheck of pcmcia card from transaction bank.2. the client after the distribution check, sends retailer (the other side) on the net among one of eCheck, and 3. the retailer transmits eCheck to client's transaction bank.4. settlement data in the check and the transaction data transaction bank that is sent to the retailer respectively, by ACH finish transfer accounts after, 5. retailer's transaction bank notifies the clearing detailed catalogue to the retailer.But, the electronic clearing system of FSTC exists the client to get the problem of pcmcia card in person to transaction bank in order to issue eCheck, because all data of eCheck are passed through PCMCIA-〉client's computer-retailer's computer-path movement such as transaction bank computer, so a lot of problems can take place in information security.And, can not transfer the possession of eCheck to the third party with the same retailer of eCheck service of CheckFree.
Summary of the invention
The present invention is in order to solve as the creation of above-mentioned problem, its purpose be to provide the user electronic bill and eCheck issue on the net, the electronic bill and the eCheck management system of transfer, collection.
Another object of the present invention is to provide electronic bill (eCheck) converting system and the method that bill in kind and check in kind are converted to electronic bill and eCheck.
Another object of the present invention is to provide electronic bill dealing intermediary system and the method that the electronic bill between most buyers and the most sale person is sold, bought with dealing, auction, contrary auction technique.
Description of drawings
Fig. 1 is the eCheck service concept figure according to the CheckFree company of conventional art.
Fig. 2 is the eCheck service concept figure according to the FSTC company of conventional art.
Fig. 3 is the electronic bill of the example according to the present invention and the concept map of eCheck management method.
Fig. 4 is the electronic bill of the example according to the present invention and the pie graph of eCheck management system.
Fig. 5 is the electronic bill of the example according to the present invention and the precedence diagram of eCheck management method.
Fig. 6 is the precedence diagram in set of electronic ticket transactions stage (S200 stage) among Fig. 5.
Fig. 7 is the example that requires the input page of information in the electronic bill distribution of electronic bill of the present invention and the use of eCheck management method.
Fig. 8 is the example at the input page of the electronic bill assignment request information of electronic bill of the present invention and the use of eCheck management method.
Fig. 9 is the example that requires the input page of information in the electronic bill collection of electronic bill of the present invention and the use of eCheck management method.
Figure 10 is the precedence diagram in electronic check transaction stage (S300 stage) among Fig. 5.
Figure 11 is the example that requires the input page of information in the eCheck distribution of electronic bill of the present invention and the use of eCheck management method.
Figure 12 is the example at the input page of the eCheck assignment request information of electronic bill of the present invention and the use of eCheck management method.
Figure 13 is the example that requires the input page of information in the eCheck collection of electronic bill of the present invention and the use of eCheck management method.
Figure 14 is the precedence diagram of electronic bill and (perhaps) eCheck merging phase (S400 stage) among Fig. 5.
Figure 15 is the example that the electronic bill that uses in electronic bill of the present invention and eCheck management method and (perhaps) eCheck merge the input page that requires information.
Figure 16 is the precedence diagram of cutting apart the electronic bill stage (S240) and cut apart eCheck stage (the S340 stage) among Fig. 6 and Figure 10.
Figure 17 is in the electronic bill of electronic bill of the present invention and the use of eCheck management method or the example that eCheck is cut apart the input page of requirement information.
Figure 18 is the concept map of the electronic bill conversion method of the example according to the present invention.
Figure 19 is the pie graph of electronic bill (eCheck) converting system of the example according to the present invention.
Figure 20 is the precedence diagram of electronic bill (eCheck) conversion method of the example according to the present invention.
Figure 21 is the example of the affirmation page of electronic bill (eCheck) information used of electronic bill (eCheck) conversion method of the example according to the present invention.
Figure 22 is the example of the input page of electronic bill (eCheck) information used of electronic bill (eCheck) conversion method of the example according to the present invention.
Figure 23 is the example that card is confirmed in electronic bill (eCheck) conversion of electronic bill (eCheck) the conversion method use of the example according to the present invention.
Figure 24 shows the example that bill in kind (check) is demonetized among electronic bill (eCheck) conversion method of the example according to the present invention.
Figure 25 is the concept map of the electronic bill dealing intermediary of the example according to the present invention.
Figure 26 is the electronic bill dealing intermediary system of the example according to the present invention, electronic bill management system, business standing information management office, the networking pie graph of electronic bill sale person and buyer's port.
Figure 27 is the pie graph of the electronic bill dealing intermediary system of the example according to the present invention.
Figure 28 is the precedence diagram of electronic bill buyer's offering (perhaps auctioning thing) registration phase among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 29 is the precedence diagram that electronic bill sale person's purchase requires (perhaps auction bidding) and admits the stage of buying and selling among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 30 is an example of inquiring about offering among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 31 is an example of inquiring about the auction thing among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 32 is the precedence diagram of electronic bill buyer's contrary auction thing registration phase among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 33 is the precedence diagram of electronic bill sale person's contrary auction thing registration phase among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 34 is an example of inquiring about contrary auction thing among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 35 is the precedence diagram that calculates and pay the tax stage among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 36 is that electronic bill buyer's application receives the precedence diagram of buying notice and notification phase among the electronic bill dealing intermediary method of the example according to the present invention.
Figure 37 is that electronic bill sale person's application receives the precedence diagram of selling notice and notification phase among the electronic bill dealing intermediary method of the example according to the present invention.
Embodiment
In order to realize being connected with bank server that is provided with user's account and information communication network by at least more than one user's user port according to the present invention as above-mentioned purpose, provide the distribution of electronic bill and eCheck and the electronic bill and the eCheck management system of management service to the user, comprise the authentication information by user classified use person, user's information of user's cognizance code and user's accounts information is also preserved these user's information database; When first user utilizes user port to require distribution electronic bill (perhaps eCheck) by information communication network, be transmitted from above-mentioned first user's above-mentioned user port and comprise and to get above-mentioned first user's cognizance code, the amount of the instrument (perhaps cheque sum), and the electronic bill (perhaps eCheck) of second user's cognizance code of above-mentioned electronic bill (perhaps eCheck) distribution requires after the information, comprising that above-mentioned electronic bill (perhaps eCheck) distribution requires electronic bill (perhaps eCheck) information of information to be saved in distribution (issue) module in electronic bill and eCheck release data storehouse; Expire the date of payment of above-mentioned electronic bill during electronic bill, or the final receiver who comprises above-mentioned second user's above-mentioned eCheck during eCheck is when utilizing user port to require the above-mentioned eCheck of collection by information communication network, collection (collection) module on the bank server that is provided with above-mentioned first user's account is transferred accounts the above-mentioned amount of the instrument (perhaps cheque sum) requirement to the final receiver's account that comprises above-mentioned second user; Preserve the electronic bill and the eCheck release data storehouse of above-mentioned electronic bill (perhaps above-mentioned eCheck) information according to above-mentioned distribution module; And the user who comprises above-mentioned first user or above-mentioned second user authentication user when using user port to connect, above-mentioned first user calls out above-mentioned distribution module when requiring to issue above-mentioned electronic bill (perhaps above-mentioned eCheck), above-mentioned final receiver calls out when requiring the above-mentioned electronic bill of collection (perhaps eCheck) that above-mentioned collection module is responsible for issuing and the control part of managing electronic bill and eCheck.
Preferably comprise in addition, when the current receiver of above-mentioned electronic bill among the user who comprises above-mentioned first user and second user (perhaps above-mentioned eCheck) utilizes user port to require to merge other electronic bills (perhaps eCheck) of above-mentioned electronic bill (perhaps above-mentioned eCheck) and current receiver by information communication network, after above-mentioned current receiver's above-mentioned user port is transmitted the cognizance code of above-mentioned other electronic bills (perhaps eCheck), new merging cognizance code is given in the information of above-mentioned electronic bill (and (perhaps) above-mentioned eCheck) and be saved in merging (merge) module in electronic bill and the eCheck release data storehouse.
During from another side of the present invention consideration, provide the electronic bill that comprises following detailed catalogue management system; Comprise user's authentication information by user classification, user's information of user's cognizance code and user's accounts information is also preserved these user's information database; When first user uses user port to require the distribution electronic bill by information communication network, be transmitted from above-mentioned first user's above-mentioned user port and comprise and to get above-mentioned first user's cognizance code, the amount of the instrument, the date of payment, and the electronic bill of second user's cognizance code of above-mentioned electronic bill distribution requires after the information, comprising that the distribution of above-mentioned electronic bill requires the electronic bill information of information to be saved in distribution (issue) module in electronic bill release data storehouse; Expired as condition collection (collection) module on the bank server that is provided with above-mentioned first user's account is transferred accounts above-mentioned amount of the instrument requirement to the final receiver's account that comprises above-mentioned second user date of payment of above-mentioned electronic bill; Preserve the electronic bill release data storehouse of above-mentioned electronic bill information according to above-mentioned distribution module; And the user who comprises above-mentioned first user or above-mentioned second user connects time authentication user by user port, above-mentioned first user calls out above-mentioned distribution module when requiring to issue above-mentioned electronic bill, above-mentioned final receiver calls out above-mentioned collection module when requiring the above-mentioned electronic bill of collection and is responsible for the control part of distribution and managing electronic bill.
Above-mentioned distribution module, when first user uses user port to require the distribution electronic bill by information communication network, be transmitted the cognizance code that comprises above-mentioned first user from above-mentioned first user's above-mentioned user port, the amount of the instrument, and the distribution of the electronic bill of the date of payment requires after the information, comprising that the distribution of above-mentioned electronic bill requires the electronic bill information of information to be saved in after the electronic bill release data storehouse, be transmitted second user's who gets above-mentioned electronic bill cognizance code from above-mentioned first user's above-mentioned user port, in the above-mentioned electronic bill receiver message block among the above-mentioned electronic bill release data storehouse, preserve second user's cognizance code.
Preferably, above-mentioned distribution module, when first user uses user port to require the distribution electronic bill by information communication network, be transmitted from above-mentioned first user's above-mentioned user port and comprise and to get above-mentioned first user's cognizance code, the amount of the instrument, the date of payment, and the distribution of the electronic bill of second user's cognizance code of above-mentioned electronic bill requires after the information, comprising that the distribution of above-mentioned electronic bill requires the electronic bill information of information to be saved in after the electronic bill release data storehouse, pass through Email, the mobile communication note, instant message telecommunications instruments such as (instant message) is notified the distribution fact of above-mentioned electronic bill to above-mentioned second user.
Above-mentioned first user's cognizance code is above-mentioned first user's business herd number or legal person's herd number, above-mentioned user's accounts information comprises information (the bank's cognizance code that is provided with account bank, Bank Name, perhaps the IP address of bank server).
Preferably comprise in addition, when the current receiver of the above-mentioned electronic bill that comprises above-mentioned second user utilizes user port to require to transfer the possession of above-mentioned electronic bill by information communication network, after above-mentioned electronic bill receiver's above-mentioned user port is transmitted the 3rd user's the cognizance code of the electronic bill of assigning, transfer (negotiation) module of in above-mentioned electronic bill buyer message block among the above-mentioned electronic bill release data storehouse, preserving the 3rd user's cognizance code.
Above-mentioned transfer module, when the current receiver of the above-mentioned electronic bill that comprises above-mentioned second user utilizes user port to require to transfer the possession of above-mentioned electronic bill by information communication network, after above-mentioned electronic bill receiver's above-mentioned user port is transmitted the 3rd user's the cognizance code of the electronic bill of assigning, among above-mentioned electronic bill release data storehouse, preserve after the 3rd user's cognizance code in the above-mentioned electronic bill buyer message block, pass through Email, the mobile communication note, instant message telecommunications instruments such as (instant message) is notified the transfer fact of above-mentioned electronic bill to above-mentioned the 3rd user.
Preferably comprise in addition, when comprise above-mentioned first utilizing and second user's user among the current receiver of above-mentioned electronic bill when utilizing user port to require to cut apart above-mentioned electronic bill by information communication network, be transmitted respectively from the current receiver's of above-mentioned electronic bill above-mentioned user port and cut apart after the amount of money, cut apart (division) module to what the relevant electronic bill information that each cuts apart the amount of money was saved in above-mentioned electronic bill database.
During from another side of the present invention consideration, provide the eCheck that comprises following detailed catalogue management system; Comprise user's authentication information by user classification, user's information of user's cognizance code and user's accounts information is also preserved these user's information database; When first user uses user port to require the distribution eCheck by information communication network, be transmitted from above-mentioned first user's above-mentioned user port and comprise and to get above-mentioned first user's cognizance code, cheque sum, and the eCheck of second user's cognizance code of above-mentioned eCheck distribution requires after the information, comprising that the distribution of above-mentioned eCheck requires the eCheck information of information to be saved in distribution (issue) module in eCheck release data storehouse; When the final receiver of the above-mentioned eCheck that comprises above-mentioned second user utilizes user port to require the above-mentioned eCheck of collection by information communication network, collection (collection) module on the bank server that is provided with above-mentioned first user's account requires above-mentioned cheque sum to transfer accounts above-mentioned final receiver's account; Preserve the eCheck release data storehouse of above-mentioned eCheck information according to above-mentioned distribution module; And the user who comprises above-mentioned first user or above-mentioned second user authentication user when using user port to connect, above-mentioned first user calls out above-mentioned distribution module when requiring to issue above-mentioned eCheck, above-mentioned final receiver calls out above-mentioned collection module when requiring the above-mentioned eCheck of collection and is responsible for the control part of distribution and managing electronic check.
Preferably comprise in addition, when the current receiver of above-mentioned eCheck who comprises above-mentioned second user utilizes user port to require to transfer the possession of above-mentioned eCheck by information communication network, after above-mentioned eCheck receiver's above-mentioned user port is transmitted the 3rd user's the cognizance code of the eCheck of assigning, transfer (negotiation) module of in above-mentioned eCheck buyer message block among the above-mentioned eCheck release data storehouse, preserving the 3rd user's cognizance code.
During from another side of the present invention consideration, provide the electronic bill and the eCheck management method that comprise following detailed catalogue; When (a) first user uses user port to connect by information communication network, after being transfused to log-on message, above-mentioned user port authenticates member's stage; When (b) above-mentioned first user requires distribution electronic bill or eCheck by above-mentioned user port, above-mentioned first user's cognizance code, the amount of the instrument (perhaps cheque sum), the date of payment, and comprise that electronic bill (perhaps eCheck) distribution of second user's cognizance code of getting above-mentioned electronic bill (perhaps eCheck) requires the information input page to offer the stage of above-mentioned first user's above-mentioned user port; (c) above-mentioned first user imports the data that each message block that above-mentioned electronic bill (perhaps eCheck) distribution requires the information input page requires and transmits electronic bill (perhaps eCheck) distribution when requiring information, receives the stage that is saved in electronic bill and eCheck release data storehouse after these; And (d) during electronic bill the date of payment of above-mentioned electronic bill expire, or the final receiver who comprises above-mentioned second user's above-mentioned eCheck during eCheck is when utilizing user port to require the above-mentioned eCheck of collection by information communication network, the stage on the bank server that is provided with above-mentioned first user's account is transferred accounts the above-mentioned amount of the instrument (perhaps cheque sum) requirement to above-mentioned final receiver's account.
Preferably comprise in addition, after above-mentioned (c) stage and above-mentioned (d) before the stage, when (c1) the current receiver who comprises above-mentioned second user's above-mentioned electronic bill (perhaps eCheck) utilizes user port to require to transfer the possession of above-mentioned electronic bill by information communication network, after the above-mentioned user port of above-mentioned electronic bill is transmitted the 3rd user's cognizance code of the electronic bill of assigning (perhaps eCheck), in buyer's message block of above-mentioned electronic bill among the above-mentioned electronic bill release data storehouse, preserve the stage of the 3rd user's cognizance code.
During from another side of the present invention consideration, the electronic bill converting system that provides bill in kind to be converted to electronic bill is provided with the electronic bill management system electronic bill converting system according to the present invention.Specifically, comprise the account ticket discrepancy portion that drops into or discharge bill in kind; Discern the literal at the above-mentioned bill in kind front and the back side and the identification part of reading billing information; Import Unidentified information, the update information of mistake identifying information, and the input part of the proprietary cognizance code of (perhaps) above-mentioned bill; For the information of confirming above-mentioned bill shows and (perhaps) prints, the conversion fact of electronic bill is indicated in the bill in kind front that is converted to electronic bill and the efferent at (perhaps) back side; Require the publisher's cognizance code that comprises publisher's title information to be sent to the draw bank server and receive its result, require the electronic bill distribution that comprises above-mentioned billing information information to be sent to above-mentioned electronic bill management system and receive its result's communication section; And from above-mentioned identification part and above-mentioned input part receive the information of above-mentioned bill, be transmitted publisher's cognizance code from above-mentioned draw bank server, require above-mentioned electronic bill distribution information to be sent to above-mentioned electronic bill management system and requirement distribution electronic bill, be responsible for the control part that above-mentioned bill in kind is converted to the electronic bill business.
In the present invention, above-mentioned identification part, possess the literal of the front that is identified in above-mentioned bill in kind and back up and (perhaps) and be printed on the front of above-mentioned bill in kind and the magnetic ink character identification part of back side literal with magnetic ink, confirm as bill in kind by the account ticket of putting into above-mentioned account ticket throw-in part with some literal of above-mentioned magnetic ink printing with optical character identification portion and (perhaps) identification of handwriting.
In the present invention, can comprise account ticket that loading has been converted to the bill in kind of the above-mentioned electronic bill portion of packing in addition.
In the present invention, above-mentioned identification part, scan the image at the front and the back side of above-mentioned bill in kind, discern the front and the back side literal of above-mentioned bill in kind and read billing information, comprise that in addition preservation is from above-mentioned identification part and the billing information database of the billing information that obtains of above-mentioned input part; And the bill image data base in kind that is kept at the image file of above-mentioned identification part scanning.
During from another side of the present invention consideration, provide the electronic bill that comprises following feature conversion method; When (a) dropping into bill in kind, the stage of discerning the literal at the bill in kind front and the back side and reading billing informations such as publisher's title; (b) be transfused to stage by input unit in above-mentioned (a) unidentified information of stage; (c) require publisher's cognizance code of the above-mentioned publisher's of comprising title information to be sent to the server of draw bank and require stage of above-mentioned publisher's cognizance code; (d) comprise that above-mentioned the electronic bill distribution of billing information requires information to be sent to the stage of above-mentioned electronic bill management system and requirement distribution electronic bill; And the fact that (e) is transformed into electronic bill at (d) stage distribution electronic bill as condition is indicated in the stage at above-mentioned bill in kind front and (perhaps) back side.
In the present invention, above-mentioned (b) stage is to be transfused in above-mentioned Unidentified information of (a) stage the update information of mistake identifying information, and the stage of the proprietary cognizance code of above-mentioned bill by input unit.
In the present invention, above-mentioned (a) stage, when dropping into bill in kind, scan the front and the back side of bill in kind, discern the literal at the bill in kind front and the back side and the stage of reading the billing information that comprises publisher's title, above-mentioned (b) comprises that in addition output comprises the image at above-mentioned bill in kind front and (perhaps) back side after the stage, and the stage of the proprietary affirmation billing information of the bill of above-mentioned billing information file.
In the present invention, above-mentioned (b) stage, be transfused in the stage of above-mentioned Unidentified information of (a) stage and the proprietary accounts information of above-mentioned bill by input unit, the distribution of the electronic bill in above-mentioned (d) stage requires to comprise in the information information and the proprietary accounts information of above-mentioned bill of above-mentioned bill.
In the present invention, above-mentioned (e) after the stage, comprises in addition above-mentioned billing information is sent to the stage of electronic bill conversion notice request being issued after the server of above-mentioned draw bank above-mentioned publisher.
In the present invention, above-mentioned (e) after the stage, comprises the above-mentioned billing information of output in addition, the electronic bill conversion date, and the bill of electronic bill converter information etc. everyone confirm the stage of card with conversion.
During from another side of the present invention consideration, provide the eCheck that comprises following feature converting system; Drop into or discharge the account ticket discrepancy portion of check in kind; Discern the literal at the above-mentioned check in kind front and the back side and read the identification part of check information; Import Unidentified information, the update information of mistake identifying information, and the input part of the proprietary cognizance code of (perhaps) above-mentioned check; For the information of confirming above-mentioned check shows and (perhaps) prints, the conversion fact of eCheck is indicated in the check in kind front that is converted to eCheck and the efferent at (perhaps) back side; Require the publisher's cognizance code that comprises publisher's title information to be sent to the server of draw bank, require the eCheck distribution that comprises above-mentioned check information information to be sent to the communication section of above-mentioned eCheck management system; And the information that receives above-mentioned check from above-mentioned identification part, be transmitted publisher's cognizance code from above-mentioned draw bank server, require above-mentioned eCheck distribution information to be sent to above-mentioned eCheck management system and requirement distribution eCheck, be responsible for the control part that above-mentioned check in kind is converted to the eCheck business.
During from another side of the present invention consideration, provide the eCheck that comprises following feature conversion method; When (a) dropping into check in kind, discern the literal at the check in kind front and the back side and read stage of check information such as publisher's title; (b) be transfused to stage by input unit in above-mentioned (a) unidentified information of stage; (c) require publisher's cognizance code of the above-mentioned publisher's of comprising title information to be sent to the server of draw bank and require stage of above-mentioned publisher's cognizance code; (d) comprise that above-mentioned the eCheck distribution of check information requires information to be sent to the stage of above-mentioned eCheck management system and requirement distribution eCheck; And the fact that (e) is transformed into eCheck at (d) stage distribution eCheck as condition is indicated in the stage at above-mentioned check in kind front and (perhaps) back side.
In order to realize that as above-mentioned purpose electronic bill dealing intermediary system according to the present invention combines the electronic bill dealing intermediary system that is provided at intermediary's electronic bill dealing between electronic bill sale person and the electronic bill buyer with the electronic bill management system.Specifically, comprise to above-mentioned electronic bill sale person port and above-mentioned electronic bill buyer port and provide the dealing intermediary agency to need the webserver of the page; Be transfused to the information and the selling term data of electronic bill from above-mentioned electronic bill sale person by port, offering information such as the information of above-mentioned electronic bill and above-mentioned selling term be saved in the Registering modules of database; Preserve the offering information database of offering information such as the information of above-mentioned electronic bill and selling term; When the purchase that receives above-mentioned electronic bill from above-mentioned electronic bill buyer requires, confirm the original of above-mentioned electronic bill to above-mentioned electronic bill system administration request, settle accounts the dealing amount of money of above-mentioned electronic bill after the affirmation original from above-mentioned electronic bill buyer, the video data that the owner of the dealing amount of money is converted to above-mentioned electronic bill buyer from above-mentioned electronic bill sale person among above-mentioned electronic bill is sent to above-mentioned electronic bill management system, and module is admitted in whole or a part of dealings of paying above-mentioned electronic bill sale person of the above-mentioned dealing amount of money; And above-mentioned electronic bill login and call out above-mentioned Registering modules when requiring registration to sell above-mentioned electronic bill, above-mentioned electronic bill buyer calls out dealing when requiring to buy above-mentioned electronic bill and admits module, is responsible for handling the control part of dealing intermediary.
According to the present invention, preferably comprise in addition when above-mentioned electronic bill buyer logins said system and imports the querying condition of offering information, read the offering information that meets above-mentioned querying condition from above-mentioned offering information database, read electronic bill publisher among the above-mentioned offering information and (perhaps) transferor's business standing information and be provided to enquiry module on above-mentioned electronic bill buyer's the above-mentioned port with above-mentioned offering information from the business standing database.
According to the present invention, above-mentioned business standing information database is included in the said system or in other business standing information management system and uses.
During from another side of the present invention consideration, provide the electronic bill dealing intermediary that comprises following detailed catalogue method; When (a) above-mentioned electronic bill buyer connects the electronic bill information that input will be sold after the said system by port, receive after the information of above-mentioned electronic bill to electronic bill sale person port and offer for sale stage of the condition entry page; When (b) utilizing above-mentioned selling term input page to import selling term, the offering information of above-mentioned selling term is saved in the stage of database by above-mentioned electronic bill port; (c) above-mentioned electronic bill buyer confirms the stage of above-mentioned electronic bill original when requiring to buy above-mentioned electronic bill after the port login said system to above-mentioned electronic bill system administration request; (d) be identified original is settled accounts the above-mentioned electronic bill dealing amount of money from above-mentioned electronic bill buyer as condition stage at above-mentioned electronic bill of (c) stage; And (e) among above-mentioned electronic bill owner's video data of being converted to above-mentioned electronic bill buyer from above-mentioned electronic bill sale person of the dealing amount of money be sent to above-mentioned electronic bill management system, in whole or a part of stages of paying above-mentioned electronic bill sale person of the above-mentioned dealing amount of money.
According to the present invention, above-mentioned (a) stage comprises, when (a1) above-mentioned electronic bill sale person connected said system by port, the electronic bill information that is transmitted above-mentioned electronic bill sale person from above-mentioned electronic bill management system was to stage that the above-mentioned port of above-mentioned electronic bill provides; And (a2) when above-mentioned electronic bill sale person selects more than one sale electronic bill at least among above-mentioned electronic bill, receive after port from the information of above-mentioned electronic bill to electronic bill sale person and offer for sale stage of the condition entry page.
According to the present invention, above-mentioned (c) stage preferably includes, (c1) above-mentioned electronic bill buyer is by after the port login said system, when among offering information, inquiring about the electronic bill that to buy, the stage of the electronic bill publisher that inquires with its Query Result and (perhaps) transferor's business standing information is provided to above-mentioned electronic bill buyer's above-mentioned port, and (c2) above-mentioned electronic bill buyer confirms to select more than one at least by above-mentioned port after above-mentioned Query Result and the above-mentioned business standing information and when requiring to buy, confirms the stage of above-mentioned electronic bill original to above-mentioned electronic bill system administration request among above-mentioned inquiry electronic bill.
According to the present invention, above-mentioned selling term can comprise above-mentioned electronic bill sale person's hope selling price.
According to the present invention, above-mentioned (c) stage is above-mentioned electronic bill buyer by importing purchasing price after the port login said system and when requiring to buy electronic bill, confirm the stage of above-mentioned electronic bill original to above-mentioned electronic bill system administration request, the dealing amount of money in above-mentioned (d) stage is the price of relevant above-mentioned purchase volume, and the dealing amount of money in above-mentioned (e) stage can be exactly above-mentioned purchase volume.
Above-mentioned (d) is before the stage, comprise that calculating above-mentioned buyer buys above-mentioned electronic bill and the tax of interest and the stage of preserving take place, in (d) stage, settle accounts the dealing amount of money of above-mentioned electronic bill from above-mentioned electronic bill buyer and preferably settle accounts above-mentioned tax in addition in addition.
According to the present invention, can comprise in addition after above-mentioned (e) stage, (f) pay the date and sentence the stage that the electronics mode is paid above-mentioned tax to relevant paying in above-mentioned fixed tax.
Below the example that present invention will be described in detail with reference to the accompanying.Before, term that uses in the application's book and claim or word can not limit by the meaning common or dictionary, the inventor illustrates its oneself invention for the best approach, according to the principle that can suitably define the term notion, the meaning and notion that can only technological thought according to the invention be explained.Therefore, be preferred example of the present invention in the application secretary example that carries and the formation that is shown on the accompanying drawing, rather than represent all technological thoughts of the present invention, various equivalents and distortion example can replace these when application is of the present invention.
Fig. 3 is the electronic bill of the example according to the present invention and the concept map of eCheck management method.Below, with reference to Fig. 3, at first after each network principal of schematic illustration, the electronic bill of conceptual explanation example and eCheck management method according to the present invention.
The electronic bill of example and eCheck management method are first user's ports (201) that electronic bill and eCheck management system (100) are passed through the publisher according to the present invention; Second user's port (202) of receiver; The 3rd user's port (203) of buyer; Bank server (300) is connected realization with information communication network.At this, information communication network is according to LAN, WAN, the diverse network of Intranet and internal network similarly etc. interconnects the data communication network that the summary of the Internet meaning is provided, at this, not only comprise private, the wired network of public telephone network (PSTN) etc., and comprise as wireless network the wireless network of satellite communications net and IMT-2000 and broadband communication network (BcN) etc.
Electronic bill and eCheck management system (100) are responsible for the system of distribution, circulation and managing electronic bill and eCheck, will describe in detail with Fig. 4 its assembly.
First user's port (201) is a requirement distribution electronic bill (perhaps eCheck), it is the user port that the publisher utilizes, second user's port (202) is got electronic bill (perhaps eCheck) from electronic bill (perhaps eCheck) publisher, i.e. the user port of receiver's utilization.The 3rd user's port (203) is bought electronic bill (perhaps eCheck) from electronic bill (perhaps eCheck) receiver, i.e. the user port of buyer's utilization.First user's port (201), second user's port (202) and, the 3rd user's port (203) can use computer, laptop computer, palm PC (PDA), mobile phone (Cellular phone), PCS Phones (PCS Phone) etc., the present invention is not limited in these.
Bank server (300) is provided with publisher's etc. account, conclude with the operating company of electronic bill and eCheck management system (100), and accept the requirement of transferring accounts of electronic bill and eCheck management system, bill or cheque sum are remitted money in the certain accounts.
Below, according to above-mentioned each the main body diagrammatic illustration electronic bill that relates to and distribution, circulation and the management process of eCheck.
At first, the publisher connects electronic bill and eCheck management system (100) requirement distribution electronic bill (perhaps eCheck) in order to pay the cost that is provided commodity, service etc. from the receiver by first user's port (201).So, electronic bill and eCheck management system (100) are issued above-mentioned electronic bill (perhaps eCheck) to the receiver.
The receiver transfers the possession of electronic bill (perhaps eCheck) as the cost of being paid electronic bill (perhaps eCheck) the dealing amount of money etc. from other user to other users, connects electronic bill and eCheck management system (100) requires to transfer the possession of electronic bill (perhaps eCheck) by second user's port (202).So, electronic bill and eCheck management system (100) are given to electronic bill (perhaps eCheck) buyer to above-mentioned electronic bill.
The buyer requires collection electronic bill (perhaps eCheck) in order to be equivalent to the cash of electronic bill (perhaps eCheck) amount of money by payment by the 3rd user's port (203) connection electronic bill and eCheck management system (100).So, electronic bill and eCheck management system (100) the cash that is equivalent to above-mentioned electronic bill (perhaps eCheck) amount of money to the bank server that is provided with publisher account (300) require to transfer accounts buyer's account.Bank server (300) is transferred accounts the cash that is equivalent to electronic bill (perhaps eCheck) amount of money to and its result is sent to electronic bill and eCheck management system (100) after buyer's the account.So, electronic bill and eCheck management system (100) are saved in database to the payment of above-mentioned electronic bill (perhaps eCheck) fact that finishes.
The electronic bill of example and eCheck management method are by electronic bill (perhaps eCheck) waste gas afterwards that circulates as above-mentioned process distribution according to the present invention.
Fig. 4 is the pie graph according to electronic bill of the present invention and eCheck management system.With reference to accompanying drawing, electronic bill and eCheck management system (100) comprise control part (101); Distribution module (102); Cut apart module (103); Merge module (104); Transfer the possession of module (104) (105); Collection module (106), database possess user's information database (111); Electronic bill and eCheck release data storehouse (112); Cut apart detail data storehouse (113); Merge detail data storehouse (114); Transfer the possession of detail data storehouse (115); Collection detail data storehouse (116).
Control part (101) user is by user port (201,202, when 203) connecting, the authentication user, when requiring electronic bill (perhaps eCheck), first user distribution calls out distribution module (102), call out collection module (106) etc. when the final receiver who comprises the 3rd user requires collection electronic bill (perhaps eCheck), be responsible for the business of a series of distribution and managing electronic bill and eCheck.
Distribution module (102) requires to generate the information of electronic bill (perhaps eCheck) and be saved in electronic bill and the module in eCheck release data storehouse (112) according to publisher's distribution.Specifically, when distribution module (102) utilizes first user's port (201) to require distribution electronic bill (perhaps eCheck) by information communication network as publisher (first user), be transmitted electronic bill (perhaps eCheck) distribution from first user's port (201) and require information.At this, the electronic bill distribution requires information to comprise first user's cognizance code, the amount of the instrument, the date of payment, and the cognizance code etc. of getting second user (receiver) of electronic bill, eCheck distribution requires information to comprise first user's cognizance code, cheque sum, and the cognizance code etc. of getting second user (receiver) of eCheck.Then, comprising that electronic bill (perhaps eCheck) distribution requires electronic bill (perhaps eCheck) information of information to be saved in electronic bill and eCheck release data storehouse (112).Then, by Email (email), mobile communication note (SMS), the telecommunications instrument of instant message etc. is notified the distribution fact of electronic bill (perhaps eCheck) to second user.
Distribution module (102) requires information and is saved in electronic bill and eCheck release data storehouse (112) from electronic bill (perhaps eCheck) distribution that first user's port (201) is transmitted except second user (receiver) cognizance code, and the cognizance code that is transmitted second user (receiver) is saved in electronic bill (perhaps eCheck) receiver's message block in electronic bill and eCheck release data storehouse (112) afterwards.That is, do not specify the receiver to issue electronic bill (perhaps eCheck) afterwards, specify the receiver afterwards.
Cut apart module (103) and cut apart the module that the amount of money of electronic bill (perhaps eCheck) is saved in electronic bill and eCheck release data storehouse (112) afterwards according to current receiver's the requirement of cutting apart.Specifically, the current receiver of cutting apart module (103) electronic bill (perhaps eCheck) among the user who comprises first user and second user utilizes user port (201, when 202) requiring to cut apart electronic bill, user port (201 from above-mentioned current receiver, 202) transmission is cut apart after the amount of money respectively, information at electronic bill and the above-mentioned electronic bill of eCheck release data storehouse (112) deletion is saved in electronic bill and eCheck release data storehouse (112) being equivalent to each electronic bill of cutting apart the amount of money (perhaps eCheck) information.Then, the detailed catalogue of cutting apart of electronic bill (perhaps eCheck) is saved in and cuts apart detail data storehouse (113).
Merging module (104) requires electronic bill (and (perhaps) eCheck) lining to give new merging cognizance code and be saved in electronic bill and the module in eCheck release data storehouse (112) according to current receiver's merging.Specifically, merge module (104) current receiver of electronic bill (perhaps eCheck) among the user who comprises first user and second user and utilize user port (201, when 202) requiring to merge electronic bill, user port (201 from above-mentioned current receiver, 202) transmit respectively after the cognizance code of the electronic bill (and (perhaps) eCheck) that will merge, electronic bill (and (perhaps) eCheck) lining is given new merging cognizance code and is saved in electronic bill and eCheck release data storehouse (112), is saved in merging detail data storehouse (114) merging detailed catalogue.
Transferring the possession of module (105) is the module that the current receiver of electronic bill (perhaps eCheck) is changed to electronic bill (perhaps eCheck) buyer according to current receiver's assignment request.Specifically, transfer the possession of module (105) when the current receiver of the electronic bill that comprises second user (perhaps eCheck) utilizes user port (202) to require to transfer the possession of electronic bill, after the current receiver's of electronic bill user port (202) is transmitted the 3rd user's who transfers the possession of electronic bill cognizance code, in the electronic bill buyer message block among electronic bill and the eCheck release data storehouse (112), preserve the 3rd user's cognizance code.Pass through Email, mobile communication note (SMS), the transfer fact of the telecommunications tool notification electronic bill of instant message etc. to the 3rd user then.
Collection module (106) is that handle is equivalent to paying in cash to the final receiver's of electronic bill (perhaps eCheck) module of electronic bill (perhaps eCheck) amount of money.Specifically, expire the date of payment of above-mentioned electronic bill during electronic bill, or the final receiver of above-mentioned eCheck who comprises above-mentioned second user during eCheck is when utilizing user port to require the above-mentioned eCheck of collection by information communication network, to the bank server that is provided with the first user account (300) bill (perhaps cheque sum) require to transfer accounts above-mentioned final receiver's account.
So, bank server (300) after the final receiver account, is sent to electronic bill and eCheck management system (100) to its result at cash remittance that first user's account is equivalent to above-mentioned bill (perhaps cheque sum).So, the collection module (106) of electronic bill and eCheck management system (100) is saved in electronic bill and eCheck release data storehouse (112) to the collection of electronic bill (perhaps eCheck) fact that finishes.Then, to first user and final receiver the fact by telecommunications tool notification collection finishing electronic bill (perhaps eCheck).
User's information database (111) is to preserve the user's database of information that is added in electronic bill and eCheck management system (100).Specifically, user's information database (111) is preserved user's authentication information (user name, password), user's cognizance code, user's title (trading company), user's accounts information (account bank, the IP of account bank service (300), number of the account etc.), user's enterprises registration number (perhaps legal person's herd number) (individual man-hour ID (identity number) card No.), user's telecommunications instrument address (e-mail address, mobile communication phone number, instant message login etc.) etc.
At this, user's authentication information is in order to authenticate the information of importing for the user, to comprise user name (ID) when the user connects electronic bill and eCheck management system (100), password (Password) etc.At this, user's cognizance code is, the intrinsic code of giving to each user for the purpose of distinguishing the user in electronic bill and eCheck management system (100), can use above-mentioned user name (ID), also can use enterprises registration number (perhaps legal person's herd number of above-mentioned user, ID (identity number) card No.), the present invention is not limited to these.
The enterprises registration number is, with the intrinsic number of enterprise that the operational purpose of the tax is given to the self-employed worker who newly starts business or business corporation, legal person's herd number is the intrinsic number of giving to independent legal person enterprise.ID (identity number) card No. is the intrinsic number of giving to the individual, replaces ID (identity number) card No. according to national situation and can use social security number, drivers license number.
At this, the information that is kept at above-mentioned user's information database is the information of user in the stage input that adds electronic bill and eCheck management system (100) member.But, user's title (trading company), user's enterprises registration number (perhaps legal person's herd number) (individual man-hour ID (identity number) card No.) etc. also may be from taxation office, the tax bureau, Business Registration etc. the information that transmits in real time of authority server.
Electronic bill (perhaps eCheck) database of information is preserved according to distribution module (102) in electronic bill and eCheck release data storehouse (112).Electronic bill information comprises the electronic bill cognizance code, issuing date, publisher's cognizance code, the amount of the instrument, the date of payment, receiver's cognizance code, buyer's cognizance code, whether collection finishes, and whether cutting object, and whether combining objects waits, eCheck information comprises the eCheck cognizance code, issuing date, publisher's cognizance code, cheque sum, receiver's cognizance code, buyer's cognizance code, whether collection finishes, and whether cutting object, and whether combining objects waits.Electronic bill (and (perhaps) eCheck) information that merges comprises the merging cognizance code, combining objects electronic bill (and (perhaps) eCheck) cognizance code etc.The electronic bill (and (perhaps) eCheck) that merges merges the cognizance code management with one, handles by an object when current receiver transfers the buyer.
At this, electronic bill (perhaps eCheck) has only under the situation of transfer, and data are kept in buyer's recognition code information group.Current receiver of the present invention is, (, also unaliened situation after distribution electronic bill or the eCheck) refers to the receiver during no buyer, and (, the situation of once above transfer electronic bill or eCheck) referred to the ultimate purchaser when buyer was arranged.Final receiver of the present invention is the current receiver when referring to collection electronic bill or eCheck.
Cut apart detail data storehouse (113) and preserve the database of cutting apart detailed catalogue of electronic bill (perhaps eCheck) amount of money according to current receiver's requirement.Specifically, cut apart detail data storehouse (113) and preserve the cognizance code that requires divider (current receiver when requirement is cut apart), cut apart the requirement cognizance code, cut apart the date, the cognizance code of cutting object electronic bill (perhaps eCheck), the cognizance code etc. of electronic bill (perhaps eCheck) after cutting apart.
Merge detail data storehouse (114) and preserve the database that electronic bill (perhaps eCheck) merges detailed catalogue according to current receiver's requirement.Specifically, merge detail data storehouse (114) and preserve the cognizance code that requires amalgamator (current receiver when requiring to merge), merge cognizance code, merge the date etc.
Transfer the possession of detail data storehouse (115) and preserve electronic bill (perhaps eCheck) is transferred the possession of buyer's detailed catalogue from current receiver database according to current receiver's requirement.Specifically, transfer the possession of detail data storehouse (115) and preserve the transfer cognizance code, transfer the possession of the cognizance code of object electronic bill (perhaps eCheck), require date of transfer (wishing date of transfer), date of transfer, current receiver (sale person) cognizance code, buyer's cognizance code etc.
Collection detail data storehouse (116) is according to final receiver's requirement or preserve the database of collection electronic bill (perhaps eCheck) detailed catalogue according to expiring of the date of payment.Specifically, the collection cognizance code is preserved in collection detail data storehouse (116), and the cognizance code of collection object electronic bill (perhaps eCheck) requires the collection date (wishing the collection date), collection time (whether collection), final receiver's cognizance code etc.
The present invention possesses as above-mentioned assembly, and issue, circulation, managing electronic bill (perhaps eCheck).
Fig. 5 is the electronic bill of the example according to the present invention and the precedence diagram of eCheck management method.With reference to accompanying drawing, the user at first utilizes user port (201,202,203) to connect electronic bill by information communication network and eCheck management system (100) is inputed user's authentication information (user name, password etc.) afterwards.So, electronic bill and eCheck management system (100) are permitted above-mentioned user's user port (201 when above-mentioned user's authentication information is consistent with the user's authentication information that is kept at user's information database (111), 202,203) login (S100 stage).
Then, the user passes through user port (201,202,203) in ' set of electronic ticket transactions ', and ' electronic check transaction ' selects one among ' electronic bill and (perhaps) eCheck merge '.About selecting ' set of electronic ticket transactions ', the user illustrates with Fig. 6 when (S200 stage), select ' electronic check transaction ' to illustrate with Figure 10 when (S300 stage), illustrate with Figure 16 when selecting ' electronic bill and (perhaps) eCheck merge ' (S400 stage).
Fig. 6 is the precedence diagram in set of electronic ticket transactions stage (S200 stage) in Fig. 5.With reference to accompanying drawing, the user can select ' distribution electronic bill ' (S210 stage) by user port (201), ' transfer electronic bill ' (S220 stage), ' collection electronic bill ' (S230 stage).But, when the electronic bill that above-mentioned user preserves as current receiver in electronic bill and eCheck release data storehouse (112) exists, the user can select ' transfer electronic bill ' (S220 stage), ' collection electronic bill ' (S230 stage), ' cutting apart electronic bill ' (S240 stage).' cutting apart electronic bill ' (S240 stage) illustrated together with reference to Figure 16 explanation in ' cutting apart eCheck ' (S340 stage) of Figure 10.
The user for to other users as commodity, the cost of service payment electronic bill is selected ' distribution electronic bill ' (S210 stage).The user requires ' distribution electronic bill ' when (S210 stage), and electronic bill and eCheck management system (100) provide the distribution of input electronic bill to require the page (S212 stage) of information to user's user port (201).Fig. 7 is the example that requires the information input page in the electronic bill distribution of electronic bill of the present invention and the use of eCheck management method.The user requires in electronic bill distribution to import the amount of the instrument in each field of information input page, the date of payment, is sent to electronic bill and eCheck management system (100) (S214 stage) after the information such as receiver's cognizance code.So, electronic bill and eCheck management system (100) receive above-mentioned electronic bill distribution and require information, comprising that the electronic bill distribution requires the electronic bill information of information to be saved in electronic bill and eCheck release data storehouse (112) (S216 stage).
When the user transferred other users to the electronic bill in electronic bill that is registered in electronic bill and eCheck management system (100) and eCheck release data storehouse (112) as current receiver, the user selected ' transfer electronic bill ' (S220 stage).The user requires ' transfer electronic bill ' when (S220 stage), and electronic bill and eCheck management system (100) provide the page (S222) stage of input electronic bill assignment request information to user's user port (202).Above-mentioned user afterwards, preferably is included in its result in the above-mentioned electronic bill assignment request information input page in the electronic bill information (and information of the electronic bill (and (perhaps) eCheck) that merges) of electronic bill and eCheck release data storehouse (112) inquiry as current receiver's registration.Fig. 8 is the example of the electronic bill assignment request information input page of electronic bill of the present invention and the use of eCheck management method.The user selects to transfer the possession of electronic bill in above-mentioned electronic bill assignment request information input page, import the buyer of the above-mentioned electronic bill of assigning, and is sent to electronic bill and eCheck management system (100) (S224 stage).At this moment, the user does not wish to transfer the possession of immediately electronic bill, and when transferring the possession of after wishing, the user imports to specify and wishes date of transfer.When the user is sent to electronic bill and eCheck management system (100) to assignment request information by user port (202) like this, electronic bill and eCheck management system (100) immediately or wish to be kept in date of transfer among the electronic bill information in electronic bill and eCheck release data storehouse (112) and preserve buyer's cognizance code in buyer's message block are saved in assignment request information and transfer the possession of detail data storehouse (115) (S226 stage).
When the user wanted the electronic bill in electronic bill that is registered in electronic bill and eCheck management system (100) and eCheck release data storehouse (112) to be paid in cash as current receiver, the user selected ' collection electronic bill ' (S230 stage).Fig. 9 is the example that the electronic bill collection of electronic bill of the present invention and the use of eCheck management method requires the information input page.In addition as above-mentioned user select ' collection electronic bill ' (S230) to carry out the stage of S232 after the stage during stage, (that is no S230 stage) also can carry out the stage of S232 after the stage but the user does not select ' collection electronic bill '.The user requires the information input page to select to require the electronic bill of collection and be sent to electronic bill and eCheck management system (100) (S230 stage) in above-mentioned electronic bill collection.At this moment, the user does not wish collection electronic bill immediately, and after wishing during collection, the user imports to specify and wishes the collection date.The user is by user port (202 like this, when 203) collection requirement information being sent to electronic bill and eCheck management system (100), electronic bill and eCheck management system (100) are judged whether expiring (S232 stage) of the electronic bill date of payment.When expired the date of payment of 232 stage electronic bills, electronic bill and eCheck management system (100) required collection electronic bill (S234 stage) to the bank server that is provided with electronic bill publisher account (300).So, bank server (300) the closing balance electronic bill amount of money above (S236 stage) whether of judging publisher account.The judged result in S236 stage, above-mentioned closing balance is than the electronic bill amount of money (' being ' in S236 stage) for a long time, bank server (300) is transferred accounts the cash that is equivalent to the amount of the instrument to after the current receiver's of electronic bill the account, and the collection fact that finishes is sent to electronic bill and eCheck management system (100).So, electronic bill and eCheck management system (100) are saved in electronic bill and eCheck release data storehouse (112) (S238 stage) to the collection of the above-mentioned electronic bill fact that finishes.Then, electronic bill and eCheck management system (100) to publisher and final receiver by Email, mobile communication note, the collection of telecommunications tool notification electronic bills such as the instant message fact that finishes.
If, the judged result in S236 stage, above-mentioned closing balance is not than the electronic bill amount of money (' being ' in S236 stage) after a little while, and bank server (300) is sent to electronic bill and electronic management system (100) (S239 stage) to the bankruptcy fact of electronic bill.So, electronic bill and electronic management system (100) are passed through Email, mobile communication note, the bankruptcy fact of telecommunications tool notification electronic bills such as instant message to publisher and final receiver.
The set of electronic ticket transactions stage among electronic bill of the present invention and the eCheck management method (S200 stage) is above-mentioned comprising as issuing the electronic bill stage (S210 stage), transfer the possession of the electronic bill stage (S220 stage), the collection electronic bill stage (S230 stage).
Figure 10 is the precedence diagram in electronic check transaction stage (S300 stage) in Fig. 5.With reference to Figure 10, can select ' distribution eCheck ' (S310 stage) with set of electronic ticket transactions stage (S200) identical user, ' transfer eCheck ' (S320 stage), ' collection eCheck ' (S330 stage), ' cutting apart eCheck ' (S340 stage).When the eCheck that above-mentioned user preserves as current receiver in electronic bill and eCheck release data storehouse (112) exists, the user can select ' transfer eCheck ' (S320 stage), ' collection eCheck ' (S330 stage), ' cutting apart eCheck ' (S340 stage).' cutting apart eCheck ' (S340 stage) will illustrate with reference to Figure 16.
The user for to other users as commodity, the cost of service payment eCheck is selected ' distribution eCheck ' (S310 stage).The user requires ' distribution eCheck ' when (S310 stage), and electronic bill and eCheck management system (100) provide the distribution of input eCheck to require the page (S312 stage) of information to user's user port (201).Figure 11 is the example that requires the information input page in the eCheck distribution of electronic bill of the present invention and the use of eCheck management method.The user requires in eCheck distribution to import cheque sum in each field of information input page, is sent to electronic bill and eCheck management system (100) (S314 stage) after the information such as receiver's cognizance code.So, electronic bill and eCheck management system (100) receive above-mentioned eCheck distribution and require information, comprising that the eCheck distribution requires the eCheck information of information to be saved in electronic bill and eCheck release data storehouse (112) (S316 stage).
When the user transferred other users to the eCheck in electronic bill that is registered in electronic bill and eCheck management system (100) and eCheck release data storehouse (112) as current receiver, the user selected ' transfer eCheck ' (S320 stage).The user requires ' transfer eCheck ' when (S320 stage), and electronic bill and eCheck management system (100) provide the page (S322) stage of input eCheck assignment request information to user's user port (202).Above-mentioned user afterwards, preferably is included in its result in the above-mentioned eCheck assignment request information input page in the eCheck information (and information of the electronic bill (and (perhaps) eCheck) that merges) of electronic bill and eCheck release data storehouse (112) inquiry as current receiver's registration.Figure 12 is the example of the eCheck assignment request information input page of electronic bill of the present invention and the use of eCheck management method.The user selects to transfer the possession of eCheck in above-mentioned eCheck assignment request information input page, import the buyer of the above-mentioned eCheck of assigning, and is sent to electronic bill and eCheck management system (100) (S324 stage).At this moment, the user does not wish to transfer the possession of immediately eCheck, and when transferring the possession of after wishing, the user imports to specify and wishes date of transfer.When the user is sent to electronic bill and eCheck management system (100) to assignment request information by user port (202) like this, electronic bill and eCheck management system (100) immediately or wish to be kept in date of transfer among the eCheck information in electronic bill and eCheck release data storehouse (112) and preserve buyer's cognizance code in buyer's message block are saved in assignment request information and transfer the possession of detail data storehouse (115) (S326 stage).
When the user wanted the eCheck in electronic bill that is registered in electronic bill and eCheck management system (100) and eCheck release data storehouse (112) to be paid in cash as current receiver, the user selected ' collection eCheck ' (S330 stage).Figure 13 is the example that the eCheck collection of electronic bill of the present invention and the use of eCheck management method requires the information input page.The user requires input page to select to require the eCheck of collection and be sent to electronic bill and eCheck management system (100) (S330 stage) in above-mentioned eCheck collection.At this moment, the user does not wish collection eCheck immediately, and after wishing during collection, the user imports to specify and wishes the collection date.The user is by user port (202 like this, when 203) collection requirement information being sent to electronic bill and eCheck management system (100), electronic bill and eCheck management system (100) require collection eCheck (S332 stage) to the bank server that is provided with electronic bill publisher account (300).So, bank server (300) the closing balance eCheck amount of money above (S334 stage) whether of judging publisher account.The judged result in S334 stage, above-mentioned closing balance is than the eCheck amount of money (' being ' in S334 stage) for a long time, bank server (300) is transferred accounts the cash that is equivalent to cheque sum to after the current receiver's of eCheck the account, and the collection fact that finishes is sent to electronic bill and eCheck management system (100).So, electronic bill and eCheck management system (100) are saved in electronic bill and eCheck release data storehouse (112) (S336 stage) to the collection of the above-mentioned eCheck fact that finishes.Then, electronic bill and eCheck management system (100) to publisher and final receiver by Email, mobile communication note, the collection of telecommunications tool notification eChecks such as the instant message fact that finishes.
If, the judged result in S334 stage, above-mentioned closing balance is not than the eCheck amount of money (' being ' in S334 stage) after a little while, and bank server (300) is sent to electronic bill and electronic management system (100) (S338 stage) to the bankruptcy fact of eCheck.So, electronic bill and electronic management system (100) are passed through Email, mobile communication note, the bankruptcy fact of telecommunications tool notification eChecks such as instant message to publisher and final receiver.
The electronic check transaction stage among electronic bill of the present invention and the eCheck management method (S300 stage) is above-mentioned comprising as issuing the electronic bill stage (S310 stage), transfer the possession of the eCheck stage (S320 stage), the collection eCheck stage (S330 stage).
Figure 14 is the precedence diagram of electronic bill and (perhaps) eCheck merging phase (S400 stage) in Fig. 5.With reference to Figure 14, the user at first inquire about be registered in electronic bill and eCheck release data storehouse (112) as current receiver electronic bill (and (perhaps) eCheck) afterwards, its result is provided to user's user port (202,203) (S410 stage).The user selects the electronic bill (and (perhaps) eCheck) that will merge among above-mentioned electronic bill (and (perhaps) eCheck), require the merging that comprises electronic bill (and (perhaps) eCheck) cognizance code information to be sent to electronic bill and eCheck management system (100) (S420 stage).Figure 15 merges the example that requires the information input page at electronic bill and (perhaps) eCheck that electronic bill of the present invention and eCheck management method are used.So, give new merging cognizance code and be saved in electronic bill and eCheck release data storehouse (112) (S430 stage) on electronic bill and the above-mentioned electronic bill of eCheck management system (100) (and (perhaps) eCheck).Merge electronic bill (and (perhaps) eCheck) information that cognizance code gives when the user electronic bill and (perhaps) when eCheck transfers the buyer, as an object processing.
Figure 16 is that the electronic bill among Fig. 6 and Figure 10 is cut apart the precedence diagram that stage (S240 stage) and eCheck are cut apart stage (the S340 stage).With reference to Figure 16, when the user selects cutting apart of electronic bill or eCheck, electronic bill and eCheck management system (100) are inquired about electronic bill and (perhaps) eCheck information of above-mentioned user as current receiver's registration at electronic bill and eCheck release data storehouse (112), its result is provided to user's user port (202,203) (S241 stage, S341 stage).The user selects an electronic bill (perhaps eCheck) (S242 stage, S342 stage) by user port (202,203) among above-mentioned Query Result.Figure 17 is in the electronic bill of electronic bill of the present invention and the use of eCheck management method or the example that eCheck is cut apart requirement information input page.Then, the user imports each cuts apart the amount of money, the cognizance code that comprises electronic bill (perhaps eCheck) and each electronic bill of cutting apart the amount of money (perhaps eCheck) are cut apart requirement information be sent to electronic bill and eCheck management system (100) (S243 stage, S343 stage).At this moment the above-mentioned amount of money that each cuts apart the electronic bill (perhaps eCheck) that S242 stage that is aggregated in of the amount of money or S342 stage select wants consistent.
So, electronic bill and eCheck management system (100) receive above-mentioned electronic bill (perhaps eCheck) and cut apart after the requirement information, be saved in electronic bill and eCheck release data storehouse (112) (S236 stage, S346 stage) being equivalent to each electronic bill information of cutting apart the amount of money.
Below, with reference to Figure 18 to Figure 24 electronic bill and eCheck conversion method and system are described.
Figure 18 is the concept map of the electronic bill conversion method of the example according to the present invention.With reference to Figure 18, ticket issuing people directly bill in kind consign to bill in kind everyone, perhaps from being assigned and all bills in kind by delivever endorsement.Everyone points out bill in kind bill in kind and requires electronic switch to the enterprise that manages electronic bill converting system (400).When above-mentioned bill in kind is put into electronic bill converting system (400), be documented in the information autoelectrinicization on the bill in kind, the electronic bill log-on message that comprises above-mentioned information is sent to electronic bill management system (100).At this moment, during electronic bill management system (100) no ticket issuing people's on bill in kind characteristic information, entrust draw bank to obtain ticket issuing people's cognizance code.
Receive the electronic bill registration when true from electronic bill management system (100), everyone pays conversion and confirms that card and the conversion of notice electronic bill are true to bill in kind.And the conversion notice is to pass on ticket issuing people (perhaps endorser) by draw bank, makes it the ticket issuing people and confirms whether the information of electronization is consistent with billing information in kind.
By as above-mentioned step conversion be electronic bill, when electronic bill expires by electronic bill management system (100) pay bill in kind everyone, before expiring bill in kind everyone login the electronic bill management system own all electronic bills endorsed to the third party.Because zooming is handled billing information, so after this do not need service charge and time during the clearing of bills between the bank.
Almost the notion with the electronic bill conversion method is similar for the eCheck conversion method of example according to the present invention.At first everyone points out the check in kind of payment to put into idea check converting system (400) and be registered in eCheck management system (100) with eCheck according to check in kind.After the eCheck registration, but usually the prompting payment next day spending pattern cash go into to everyone account of check in kind, be prompted validation of information and the exchange process also commutative check of eCheck converting system (400) operator of above-mentioned check in kind without account ticket in kind.
Figure 19 is the pie graph of electronic bill (eCheck) converting system of example of the present invention.With reference to Figure 19, electronic bill (eCheck) converting system (400, hereinafter referred to as ' system (400) ') with electronic bill and and eCheck management system (100), and draw bank server (300) connects by information communication network, possesses control part (401); Account ticket discrepancy portion (411); Identification part (412); The account ticket portion (413) of packing into; Efferent (414); Input part (415); Communication section (416), database possess billing information database (451); Check information database (452); Bill image data base (461) in kind; Check image data storehouse (462) in kind.
At this, information communication network is according to LAN, WAN, the diverse network of Intranet and internal network similarly etc. interconnects the data communication network that the summary of the Internet meaning is provided, at this, not only comprise private, the wired network of public telephone network (PSTN) etc., and comprise as wireless network the wireless network of satellite communications net and IMT-2000 etc.
At this, electronic bill and eCheck management system (100) they are the systems that manages electronic bill and eCheck release data storehouse (112), distribution registration electronic bill, and the system of pay bills capital in limited time expires.The office that manages above-mentioned electronic bill and eCheck management system (100) can specify one or more than it.Electronic bill and eCheck management system (100) receive the electronic bill distribution that comprises above-mentioned billing information from electronic bill converting system (400) and require information, above-mentioned billing information is registered in electronic bill and eCheck release data storehouse (112) afterwards, its result who is transformed into electronic bill is sent to electronic bill converting system (400).
Electronic bill and eCheck release data storehouse (112) are kept at the electronic bill database of information of electronic bill and eCheck management system (100) distribution.During electronic bill, specifically, preserve the electronic bill cognizance code, everyone cognizance code, everyone account information, electronic bill capital, issue date, date of expiry, publisher's cognizance code, endorser's cognizance code, endorsement number of times, payment place information etc.Everyone cognizance code, publisher's cognizance code, perhaps endorser's cognizance code may be enterprise (perhaps legal person) herd number, the user name (ID) that I.D. and (perhaps) are issued in addition in electronic bill and eCheck management system (100).
During eCheck, specifically, preserve the eCheck cognizance code, everyone cognizance code, everyone account information, eCheck capital, issue date, publisher's cognizance code, payment place information etc.Everyone cognizance code equally, publisher's cognizance code may be enterprise (perhaps legal person) herd number, the user name (ID) that ID (identity number) card No. and (perhaps) are issued in addition in electronic bill and eCheck management system (100).
The server of draw bank (300) is to be presented at the server that the draw bank on bill and the check is managed.Such as, when the ticket payment place was shown as Co., Ltd. of Korea Exchange Bank, the server of draw bank was exactly the server of Korea Exchange Bank.Only put down in writing publisher's name on bill or the check substantially, major part does not show publisher's liaison office or publisher's cognizance code (enterprises registration number etc.), therefore during the server (300) of needed publisher's information (cognizance code etc.) trust draw bank, electronic bill (eCheck) converting system (400) is read and be sent to the server of draw bank (300) at publisher's information database (301) when electronic bill (eCheck) converting system (400) was changed bill in kind (check).
Publisher's information that publisher's information database (301) is provided with above-mentioned draw bank and the account preserves issued notes or check.Specifically, preserve publisher's cognizance code, the publisher loco,, publisher's account number, publisher's seal image, publisher liaison office (address, telephone number, e-mail address, phone number) etc.
Below, specify each assembly of electronic bill (eCheck) converting system (400).
The control part of said system (401) is controlled each other assemblies, needed business when being responsible for being transformed into electronic bill (eCheck).Specifically, (412) and input part (415) receive billing information from the identification part, after draw bank server (300) is transmitted publisher's cognizance code, require the electronic bill distribution information to be sent to electronic bill and eCheck management system (100) by communication section (416), be responsible for requiring the electronic bill transformation service of above-mentioned bills in kind such as distribution electronic bill.
Account ticket discrepancy portion (411) drops into or discharges check in kind or as the account ticket of bill in kind.Roller bearing is carried in starting after the true sensed device induction of the input of account ticket in kind.So, account stub in kind is according to carrying roller bearing to be positioned at identification part (412).
Identification account ticket front in kind, identification part (412) or the literal at the back side and the information of reading bill (perhaps check).The account ticket in kind of coinage company distribution at present is divided into the printing with normal words, the part made from written notes, part with the magnetic ink printing, therefore identification part (412) preferably possesses the optical character identification portion (OCR portion) of the printing word on the identification account ticket in kind or the literal of writing down notes and is identified in the magnetic ink character identification part (MICR portion) of using the magnetic ink printing word on the account ticket in kind, but the present invention is not limited to these.From now on, when existing with computer with the part of pencil or signature pen record or with the part of bar code printing on the account ticket in kind of coinage company distribution, identification part (412) will preferably possess OMR (OMR portion) and bar code recognition portion in addition.
Below, be described more specifically method at above-mentioned identification part (412) identification account ticket front in kind or back side literal.Print a series of numbers of account ticket at first at present on the printing of the account ticket in kind (promissory note, cash on bank, marked check etc.) of distribution with magnetic ink, draw bank code, subbranch's information, account ticket kinds of information.Therefore, which kind of account ticket (promissory note the account ticket that drops into from account ticket discrepancy portion (411) is, cash on bank etc.) judgement is parallel from being documented in the text (" promissory note " of account ticket upper end, " cash on bank ") and the method for identification and the code of printing from magnetic ink (promissory note: 06, cash on bank: 11) Shi Bie method.And, draw bank code (and subbranch's information) is also the same with account ticket kind, parallel from being documented in the text (Korea Exchange Bank on next door, payment place, national bank etc.) Shi Bie method and the code printed from magnetic ink (Korea Exchange Bank: 05, national bank: 04 etc.) Shi Bie method and reading.
Remaining information obtains data are distinguished according to body property by optical character identification portion among the text of bill in kind (check) front or the identification of back side literal after.Such as, from the text of bill identification in kind is ' the third fourth Electric Co., Ltd ', ' 10,000,000 yuan ', ' October 10 2005 date of payment ', ' April 10 2005 issue date ', when ' first and second Electronics Co., Ltd ', digital text (perhaps numeral Chinese character text) is kept at the amount field of bill, having spent the date among the date text is kept at the issue date field, and the later date is kept at the field date of payment (date of expiry).The literal that exists in front among the literal text is kept at everyone field then, and the literal of Cun Zaiing is kept at publisher's field in the back.During in kind check because with bill in kind compared with except endorser's information, the date of payment information etc., so data field is few.Thus, character recognition process is simpler.
Above-mentioned optical character identification portion (OCR portion) not only discerns Korean, English, and preferably discerns Chinese character (Chinese character that uses during especially expression numeral).
The account ticket portion (413) of packing into is the place of the account ticket in kind that finishes of keeping identification.The account ticket in kind that is identified and is converted to electronic bill (eCheck) in identification part (412) indicates after the conversion fact in the above, be discharged to the outside by above-mentioned account ticket discrepancy portion (411) immediately, perhaps this account ticket pack into portion (413) keeping certain during after discharge together.
Efferent (414) is confirmed to revise in order to make bill (check) everyone or electronic bill (eCheck) converting system supvr, show or printed tickets (check) information, everyone takes care of the proprietary conversion affirmation of the true printed tickets of electronic bill (eCheck) conversion card in order to make bill (check), for bill in kind can not be circulated, print on the bill in kind (check) and be converted to the true device of electronic bill (eCheck) after electronic switch finishes.Needed file and page number in its outer output electronic bill (eCheck) conversion.Above-mentioned efferent (414) preferably possesses the printer of printing character, and display.
Input part (415) be electronic bill (eCheck) converting system (400) supvr or bill everyone import the Unidentified information in identification part (412) or do not have the information of identification, and electronic bill (eCheck) is gone up the input media of required information.Generally fill in hand, therefore identification part (412) takes place unidentified or mistake identification, judge whether to discern bill (check) after the contrast of everyone and bill in kind (check) of the supvr of electronic bill (eCheck) converting system (400) or bill (check) during presentation of bill (check) the validation of information page or mistake whether discern, import correct information by above-mentioned input part (415).In addition electronic bill (eCheck) converting system (400) supvr or bill everyone utilize above-mentioned input part (415) input other orders according to electronic bill (eCheck) conversion.
The device of above-mentioned input part (415) input digit or literal comprises keypad, mouse, and touch display etc., but the present invention is not limited to these.
Communication section (416) is by electronic bill and eCheck management system (100), and the device of draw bank server (300) and information communication network communication.Specifically, the server (300) that requires the publisher's cognizance code that comprises publisher's name information to be sent to draw bank receives its result afterwards, and the electronic bill distribution that comprises billing information requires information to be sent to electronic bill and eCheck management system (100) receives its result afterwards.
Billing information database (451) is kept at identification part (412) identification or at the database of the billing information of input part (415) input.Billing information comprises note number, the amount of the instrument, issue date, publisher's information (publisher's name, the publisher address, distribution ground), payment information (date of payment (date of expiry), payment place, the payment place), everyone information (everyone name, everyone cognizance code, everyone account information) etc.The account ticket in kind of coinage company distribution does not at present have publisher's cognizance code (enterprise/legal person/I.D.) hurdle, so can not obtain from bill in kind, can need publisher's cognizance code for electronic bill being registered in electronic bill and eCheck management system (100).This moment is publisher's name, and draw bank props up the server (300) that line code etc. is sent to draw bank and obtains publisher's cognizance code afterwards and be kept at this lane database.
Check information database (452) is kept at identification part (412) identification or at the database of the check information of input part (415) input.Check information comprises cheque number, cheque sum, issue date, publisher's information (publisher's name, the publisher address, distribution ground), payment information (payment place, payment place), everyone information (everyone name, everyone cognizance code, everyone account information) etc.Equally, the same with bill, transmit publisher's name to draw bank server (300), draw bank obtains cognizance code and is kept at this lane database after propping up line code etc.
Bill image data base in kind (461) is the database of the bill image file in kind of identification part (412) scanning and above-mentioned note number coupling and preservation.The image file of bill in kind is in order to preserve with the billing information contrast of zooming processing.
Check image data storehouse in kind (462) also is the database of the cheque image file in kind of identification part (412) scanning and above-mentioned cheque number coupling and preservation.
The present invention possesses as above-mentioned formation, makes the bill in kind (perhaps check) of input be converted to electronic bill (eCheck).
Figure 20 is the precedence diagram of electronic bill (eCheck) conversion method of the example according to the present invention.With reference to Figure 20, when bill at first in kind (check) is put into the account ticket discrepancy portion (411) of system (400), image file is preserved at the front of (412) the above-mentioned bills in kind of scanning (check) and (perhaps) back side in the identification part, and the OCR portion of identification part (412) and MICR portion discern the literal at above-mentioned bill in kind front and (perhaps) back side and obtain bill (check) information (P100 stage).
Then, in order to make the supvr of system (400) confirm that above-mentioned bill (check) information shows (P200 stage) by efferent.The illustration of electronic bill (eCheck) the validation of information page that uses in electronic bill (eCheck) conversion method of the example according to the present invention is shown in Figure 21.Utilize the above-mentioned page to import unidentified information among bill in kind (check) information, revise the mistake identifying information by input part (415).And, import the information that does not have on the bill in kind (check) in addition in this stage.Figure 22 is the example at electronic bill (eCheck) the information input page of the electronic bill of the example according to the present invention (eCheck) conversion method use.Can not obtain from bill in kind (check) at the proprietary cognizance code of this bill in kind (check), therefore preferably input in addition.And, the proprietary accounts information of bill (check) in kind may not be registered in electronic bill and eCheck management system (100), therefore preferably input in addition is sent to electronic bill and eCheck management system (100) when electronic bill is entrusted in login.
Finish P200 during the stage, and everyone confirms information output bill (check) the validation of information file (P300 stage) that identification part (412) and input part (415) receive in order to make bill (check).In order to improve the correctness of electronic bill (eCheck) conversion, above-mentioned bill (check) validation of information with file consignment give bill (check) everyone, make it not only the supvr of system (400) and confirm, and bill (check) everyone also confirm bill (check).Above-mentioned bill (check) validation of information comprises the image of bill in kind (check) with file.
Transmit the publisher's cognizance code that comprises publisher's name to draw bank server (300), receive publisher's cognizance code (P400 stage) from draw bank server (300).
Receive the reason of publisher's cognizance code from the draw bank server in this explanation.As above-mentioned illustrated, publisher's cognizance code of draw bank server (300) is unrecorded empty hurdle on the account ticket of distribution at present, and the publisher is not record in addition also.And though the empty hurdle of publisher on the books address, major part is not put down in writing on the habit of transaction.Therefore electronic bill and eCheck management system (100) can not only be used publisher's name only with publisher's name term publisher, draw bank, and the code information feature publisher of subbranch and sign and issue electronic bill (eCheck) problem is also arranged.Therefore, feature publisher needs publisher's cognizance code (legal person/enterprise/ID (identity number) card No.) when signing and issuing electronic bill (eCheck), thus to draw bank server (300) inquiry these.
Above-mentioned publisher's cognizance code requirement information comprises publisher's name, the publisher address, and the draw bank place, a series of numbers of account ticket etc., but the present invention is not limited to these.
Through as the above-mentioned stage bill (check) information that obtains being sent to electronic bill and eCheck management system (100) and entrusting and register electronic bill (eCheck) (PS00 stage).When electronic bill and eCheck management system (100) were registered in above-mentioned bill (check) information electronic bill and eCheck release data storehouse (112) its result is sent to electronic bill (eCheck) converting system (400) afterwards, the conversion of electronic bill (eCheck) finished.
So, system (400) output comprises bill (check) information, electronic bill (eCheck) the conversion date, and the bill (check) of electronic bill (eCheck) converter information everyone confirm card (P600 stage) with conversion.Figure 23 is an example of confirming card in electronic bill (eCheck) conversion that the electronic bill that is (eCheck) conversion method is used according to the present invention.Bill (check) everyone use conversion to confirm beyond the card, preferably electronic bill and eCheck management system (100) propose to use, electronic bill (eCheck) converting system (400) supvr is subjected to proprietary signature of bill (check) and keeping with also output.
Then, system (400) transmits billing information to draw bank server (300), and electronic bill (eCheck) conversion is required to notify the publisher (P700 stage).Electronic bill (eCheck) conversion is that the supvr according to bill (check) everyone and electronic bill (eCheck) converting system (400) realizes, brings economic loss to bill (check) publisher when therefore making a mistake in electronic bill (eCheck) transfer process.Therefore, the true and conversion detailed catalogue of the conversion of notice electronic bill makes the publisher confirm its fact.During bill, preferably require to notify the conversion of endorser's electronic bill (eCheck) to draw bank server (300).
The draw bank server (300) that is subjected to notice request in the P700 stage notifies bill (check) information for liaison office's (address, Email, phone number) of publisher, bill (check) image, and the conversion date etc.
When the electronic switch step finally finished, the fact that the last mark of best bill in kind (check) is transformed into electronic bill (eCheck) made it bill in kind (check) and can not circulate.Figure 24 indicates an example of demonetizing bill in kind (check) in the electronic bill of the example according to the present invention (eCheck) conversion method.
By as the above-mentioned stage, bill in kind (check) is automatically converted to electronic bill (eCheck) according to electronic bill of the present invention (eCheck) conversion method.
Below, with reference to Figure 25 to Figure 37, electronic bill dealing intermediary's method and system are described.
Figure 25 is the concept map of the electronic bill dealing intermediary of the example according to the present invention.With reference to the notion of description of drawings according to electronic bill of the present invention dealing intermediary method, at first buy enterprise give sale enterprise as product delivery cost to electronic bill management system (100) distribution electronic bill and offer sale enterprise.When sale enterprise is sold electronic bill to the third party, connect electronic bill dealing intermediary system (500) as electronic bill sale person and afterwards above-mentioned electronic bill is registered as offering (perhaps auctioning thing) consignment (perhaps auction), the electronic bill buyer connects electronic bill dealing intermediary system (500) and requires to buy or entrust contrary auction.
Electronic bill dealing intermediary system (500) confirms that to electronic bill management system (100) above-mentioned electronic bill is an original.When confirming as original, admit the dealing between electronic bill sale person and the electronic bill buyer, auction, contrary auction, make the electronic bill buyer pay the dealing amount of money, among the above-mentioned electronic bill owner of the dealing amount of money is changed to electronic bill sale person to electronic bill sale person.The bill capital is paid final electronic bill buyer from buying enterprise by electronic bill management system (100) after the time limit.But, when electronic bill dealing intermediary system (500) is acted on behalf of source and is imposed tax and pay income from interest, settle accounts dealing prior tax also together after the clearing during amount of money from the electronic bill buyer, pay surely in institute and day pay tax to the relevant place of paying (affiliated taxation office).
When electronic bill expired, the capital of electronic bill was paid as the current possessory electronic bill buyer of bill through electronic bill management system (100) from buying enterprise (electronic bill publisher).
The present invention is by buying and selling as the electronic bill between the above-mentioned all parties of notion intermediary.
Figure 26 is the electronic bill dealing intermediary system of the example according to the present invention, the electronic bill management system, business standing information management office, the network figure of electronic bill sale person and buyer's port, Figure 27 are the pie graphs of the electronic bill dealing intermediary system of the example according to the present invention.With reference to Fig. 2 and Fig. 3, electronic bill dealing intermediary system (100 of the present invention, hereinafter referred to as ' system (100) ') by information communication network and the electronic bill management system (100) of managing electronic bill release data storehouse (112), and the business standing information management system (600) of distributors' credit database (601) connects the electronic bill dealing between the electronic bill sale person of intermediary port (202) and the electronic bill buyer port (203).
Above-mentioned electronic bill dealing intermediary system (500) comprises control part (501); The webserver (502); Registering modules (503); Enquiry module (504); Bid module (505); Module (506) is admitted in dealing; Tax computing module (507); Notification module (508), database possess member information database (not shown); Offering information database (511); Auction thing information database (521); Contrary auction information database (531); Auction bid information database (522); Contrary auction bid information database (532); Detail data storehouse (513) is admitted in dealing; Detail data storehouse (523) is admitted in auction; Detail data storehouse (533) is admitted in contrary auction; Tax information database (541); Buy notice request for data storehouse (551); Sell notice request for data storehouse (552).
At this, information communication network is according to LAN, WAN, the diverse network of Intranet and internal network similarly etc. interconnects the data communication network that the summary of the Internet meaning is provided, at this, not only comprise private, the wired network of public telephone network (PSTN) etc., but also comprise as wireless network the wireless network of satellite communications net and IMT-2000 etc.
At this, electronic bill management system (100) is the system that manages electronic bill release data storehouse (112), distribution registration electronic bill, and the system of pay bills capital in limited time expires.The office that manages above-mentioned electronic bill management system (100) can be appointed as more than one or one.Electronic bill management system (100) may be connected with electronic bill dealing intermediary system of the present invention (500), and above-mentioned electronic bill management system (100) also may comprise this electronic bill dealing intermediary system (500).At this former is described for example.
When the original that electronic bill management system (100) receives electronic bill from said system (500) was confirmed to require, inquiry electronic bill release data storehouse (112) confirmed that whether the electronic bill of normal registration is sent to said system (500) to its result.When the owner who receives the specific electron bill from said system (500) changes to electronic bill buyer true by electronic bill sale person then, the electronic bill owner information that is kept at above-mentioned electronic bill release data storehouse (112) is changed to the electronic bill buyer from electronic bill sale person.If, (sell the amount of money or buy the amount of money) that receive to indicate electronic bill part capital from system (500) is when the owner changes to above-mentioned electronic bill buyer's data by above-mentioned electronic bill sale person, after capital is cut apart the part of above-mentioned electronic bill and given new cognizance code, the owner of cutting apart bill is denoted as the electronic bill buyer.And, when bill to fall due and ticket issuing people remittance bill capital, the bill capital is paid the current bill owner who is kept at above-mentioned electronic bill release data storehouse (112).
Electronic bill release data storehouse (112) is kept at the electronic bill information of electronic bill management system (100) distribution.Specifically, preserve the electronic bill cognizance code, owner's cognizance code, electronic bill capital, issue date, date of expiry, publisher's cognizance code, endorser's cognizance code, endorsement number of times, payment place information etc.The electronic bill cognizance code may be a series of numbers, and publisher or endorser's cognizance code may be the user names (ID) that enterprise's (perhaps legal person) herd number and (perhaps) are issued in electronic bill management system (100).
At this, business standing information management system (600) is the system of distributors' credit database (601), and the system of electronic bill publisher or sale person's business standing information is provided to said system (500).Manage Korea S's credit information at present at home, Korea S's credit appraisal information etc., but the present invention is not limited to these.And, business standing information management system (600) is connected with electronic bill dealing intermediary system of the present invention (500), also can said system (500) oneself structure business standing information database (601) and business standing information management system (600) and operation.At this former is described for example.
Business standing information database (601) is preserved business standing information.Specifically, business standing information is preserved Corporate Identity code, credit rating of enterprise, other business standing information.The Corporate Identity code may be enterprises registration number (perhaps legal person's herd number) or the user name (ID) issued in business standing information management system (600).
At this, electronic bill sale person's port (202) is that the electronic bill owner (selling it also) connects the port that said system (500) is registered offering (perhaps auctioning thing) information in order to sell electronic bill, May with Illustrated in front electronic bill receiver second user's port (202) is identical.Electronic bill sale person's port (202) can use computer, laptop computer, and palm PC (PDA), mobile phone (Cellularphone), PCS Phone (PCS Phone) etc., the present invention is not limited to these.
At this, electronic bill buyer's port (203) is that the person that will buy the electronic bill connects that said system (500) requires to buy or the port of the contrary auction of registration thing information, May with illustrated in front electronic bill Receiver the 3rd user's port (203) is identical.Electronic bill buyer's port (203) can use computer, laptop computer, and palm PC (PDA), mobile phone (Cellular phone), PCS Phone (PCSPhone) etc., the present invention is not limited to these.
Time call registration module (503) when control part (501) electronic bill sale person (202) login system (500) of said system (500) requires registration electronic bill offering, call out dealing when electronic bill buyer (203) requires to buy electronic bill and admit module (506) etc., needed business when being responsible for intermediary's dealing.And, during auction, time call registration module (503) when electronic bill sale person login system (500) requires registration electronic bill auction thing, when requiring to submit a tender electronic bill, the electronic bill buyer calls out bid module (505), make dealing admit that module (506) is auctioned etc., needed business when being responsible for intermediary's auction.And, during contrary the auction, time call registration module (503) when electronic bill buyer login system (500) requires the contrary auction of registration electronic bill thing, when requiring to submit a tender electronic bill, electronic bill sale person calls out bid module, make dealing admit that module (506) carries out contrary auction etc., needed business when being responsible for the contrary auction of intermediary.
Needed page when the above-mentioned webserver (502) provides dealing intermediary electronic bill to electronic bill sale person port (202) and electronic bill buyer port (203).Specifically, comprise login page, offering (auction thing/contrary auction thing) enrollment page, offering (auction thing/contrary auction thing) the Query Result page, the bid page is admitted results page etc.
Above-mentioned Registering modules (503) is transfused to electronic bill information and selling term data from electronic bill sale person port (202), and the offering information that comprises above-mentioned electronic bill information and selling term is saved in offering information database (511).During auction, be transfused to electronic bill information and conditions of auction data, the auction thing information that comprises above-mentioned electronic bill information and conditions of auction is saved in auction thing information database (521) from electronic bill sale person port (202).During contrary the auction, be transfused to contrary conditions of auction data, the contrary auction thing information that comprises above-mentioned contrary conditions of auction is saved in against auction thing information database (531) from electronic bill buyer port (203).At this, when preserving each database of information part, explanation specifies offering information, auction thing information, contrary auction thing information.
When above-mentioned enquiry module (504) is imported the querying condition of offering information when electronic bill buyer port (203) login system (500), meet the offering information of querying condition in above-mentioned offering information database (511) inquiry, read electronic bill publisher among the above-mentioned offering information and (perhaps) endorser's business standing information and be provided to electronic bill buyer's port (203) with above-mentioned offering information from business standing information database (601).And, when the querying condition of thing information is auctioned in electronic bill buyer port (203) login system (500) input, read the auction thing information that meets querying condition from auction thing information database (521), read electronic bill publisher among the above-mentioned auction thing information and (perhaps) endorser's business standing information and be provided to electronic bill buyer's port (203) with above-mentioned auction thing information from business standing information database (601).Illustrated in front, business standing information consignable company credit information management system provides, when perhaps said system (500) possesses business standing information database (601), directly read from business standing information database (601), the present invention is not limited to these.
Above-mentioned bid module (505) is transfused to the purchase condition from electronic bill buyer port (203), and the auction bid information that comprises purchase condition and electronic bill buyer information is saved in auction bid information database (522).During contrary the auction, be transfused to selling term, the contrary auction bid information that comprises selling term and electronic bill sale person information is saved in contrary auction bid information database (532) from electronic bill sale person port (202).
When above-mentioned dealing admits that purchase that module (506) receives above-mentioned billing information from electronic bill buyer port (203) requires, want ball to confirm the electronic bill original to electronic bill management system (100), when confirming as original, the dealing amount of money from above-mentioned electronic bill buyer port (203) clearing electronic bill, among being indicated in electronic bill the owner of the dealing amount of money is sent to electronic bill management system (100) by the data that electronic bill sale person changes to the electronic bill buyer, pays above-mentioned electronic bill sale person the whole or part of the above-mentioned dealing amount of money.Then, above-mentioned dealing admits that detailed catalogue is saved in dealing and admits detail data storehouse (513).
At first, the capital of following arrangement electronic bill, sale volume, terms such as purchase volume.
The capital of electronic bill The whole amount of money of distribution electronic bill at that time
The sale volume Electronic bill sale person requires the amount of money (≤capital) sold
The purchase volume The electronic bill buyer requires the amount of money (≤sale volume≤capital) bought
The dealing amount of money Remove the amount of money of interest at purchase volume (≤sale volume≤capital)
Interest Purchase volume (≤sale volume≤capital) * interest rate * deducts the date
At this, the dealing amount of money is meant the dealing amount of money between electronic bill sale person and the electronic bill buyer.Electronic bill sale person applies for selling the whole of electronic bill capital, and when the electronic bill buyer applied for buying capital whole, the above-mentioned dealing amount of money was identical with the electronic bill capital.If electronic bill sale person applies for selling the part (sale volume) of electronic bill capital, when the electronic bill buyer applied for buying above-mentioned sale volume whole, the dealing amount of money was identical with the sale volume.If electronic bill sale person applies for selling the part (sale volume) of electronic bill capital, when the electronic bill buyer applied for buying the part (purchase volume) of above-mentioned sale volume, the dealing amount of money was identical with the purchase volume.
The amount of money of paying electronic bill sale person perhaps is the whole of the above-mentioned dealing amount of money, perhaps be except the amount of money of some agency fees.
The dealing amount of money when the electronic bill capital is inequality (, when the dealing amount of money is the sale volume or the volume of purchase), indicate the data that the owner of the dealing amount of money changes to above-mentioned electronic bill buyer by above-mentioned electronic bill sale person and be sent to electronic bill management system (100) among above-mentioned electronic bill, at this moment electronic bill management system (100) is divided into two and represent each owner respectively to above-mentioned electronic bill.That is, generate new being equivalent to buy and sell the electronic bill of the amount of money after its owner be denoted as the electronic bill buyer, all primary electron bills of electronic bill sale person deduct the above-mentioned dealing amount of money in the electronic bill capital.
Module (506) is admitted in dealing, during auction, expire bidline day or satisfy the bid termination condition and timestamp among the above-mentioned electronic bill buyer, original to electronic bill management system (100) confirmation request electronic bill, when confirming as original, the dealing amount of money from electronic bill buyer port (203) clearing electronic bill, the data that the owner of the sign dealing amount of money changes to above-mentioned electronic bill buyer by above-mentioned electronic bill sale person among above-mentioned electronic bill are sent to electronic bill management system (100), pay electronic bill sale person the whole or part of the above-mentioned dealing amount of money.Then, auction admits that detail data storehouse (523) preserves above-mentioned auction and admit detailed catalogue.
And, module (506) is admitted in dealing, during contrary the auction, expire bidline day or satisfy the bid termination condition and timestamp among the above-mentioned electronic bill sale person, original to electronic bill management system (100) confirmation request electronic bill, when confirming as original, the dealing amount of money from electronic bill buyer port (203) clearing electronic bill, the data that the owner of the sign dealing amount of money changes to above-mentioned electronic bill buyer by above-mentioned electronic bill sale person among above-mentioned electronic bill are sent to electronic bill management system (100), pay electronic bill sale person the whole or part of the above-mentioned dealing amount of money.Then, contrary auction admits that detail data storehouse (533) preserves above-mentioned contrary auction and admit detailed catalogue.
Above-mentioned tax computing module (507) is by dealing, auction, and against the auction clearing electronic bill dealing amount of money and after passing ownership, the electronic bill buyer calculates the module that should pay tax according to income from interest.At this, interest is the amount of money that deducts the dealing amount of money at the bill capital.The electronic bill buyer proposes gained and pays tax to this to affiliated taxation office this interest, and above-mentioned tax computing module (507) calculates tax by interest and income tax of the interest table.Tax information database (541) is pressed the electronic bill buyer, during wait classification to preserve the tax of calculating.In this tax is to calculate from the amount of money that electronic bill buyer (203) settles accounts in advance in the dealing day of electronic bill.
When above-mentioned notification module (508) also receives the application of purchase notice from electronic bill buyer port (203) input purchase condition, buy notice request for data storehouse (551) comprising that this purchase of buying condition notice application information is saved in, whether inquiry registers offering or the auction thing that meets above-mentioned purchase condition in real time from electronic bill sale person port (202), when registration meets the offering of above-mentioned purchase condition or auctions thing, transmit the registration fact of offering or auction thing to above-mentioned electronic bill buyer.Be subjected to offering (perhaps auctioning thing) the true notice of registration the electronic bill buyer immediately connected system (500) confirm to require to buy (auction of perhaps submitting a tender) after above-mentioned offering (perhaps the auctioning thing) information.
And, when notification module (508) is sold notice as above-mentioned electronic bill sale person by port login said system input selling term and application, the sale notice application information that comprises above-mentioned selling term is saved in sale notice request for data storehouse (552), whether inquiry registers the contrary auction thing that meets above-mentioned selling term in real time from electronic bill buyer port, when registration meets the contrary auction thing of selling term, transmit the registration fact of contrary auction thing to electronic bill sale person port.The contrary auction of electronic bill sale person connected system (500) the affirmation immediately thing information that is subjected to the registration fact notice of contrary auction thing is submitted a tender afterwards against the auction thing.
Adopt the mode of sending short messages to electronic bill buyer (perhaps sale person) mobile phone or adopt and give above-mentioned electronic bill buyer (the perhaps electronic bill sale person) mode that electronic mail account sends e-mails to electronic bill buyer (perhaps electronic bill sale person) notice offering or auction thing (perhaps contrary auction thing) the true mode of registration, the present invention is not limited to these.
Above-mentioned member information database (not shown) is preserved the member of adding system (500) promptly, electronic bill sale person or electronic bill buyer database of information.Specifically, record member's cognizance code (user name), member authentication code (password), enterprises registration number (perhaps legal person's herd number), exabyte, number of the account, electronic mail account, phone number, address etc.According to circumstances, member's cognizance code (user name) can use enterprises registration number (perhaps legal person's herd number).And member's cognizance code is preferably identical with publisher's cognizance code or endorser's cognizance code in the electronic bill release data storehouse (112) that is kept at electronic bill management system (100), will mate mutually at least.In the present invention identical situation only is described.
Above-mentioned offering information database (511) is preserved the offering database of information such as selling term that receive from electronic bill sale person port (202).Specifically, offering information database (511) is preserved the offering cognizance code, electronic bill cognizance code, member's cognizance code of electronic bill sale person, selling term information, registration date of sale etc.At this, the electronic bill cognizance code is preferably identical with the electronic bill cognizance code that is kept at electronic bill release data storehouse (112).At this, selling term information comprises the sale volume, interest rate, and buying a part may be whether, offering period of registration etc., but the present invention is not limited to these.The sale volume is that electronic bill sale person requires the amount of money sold.The sale volume is exactly to belong to ' a part of sale mode ' than electronic bill capital after a little while.After admitting to buy and sell this moment electronic bill cut apart have only the dealing amount of money the passing of title to the electronic bill buyer.
Above-mentioned auction thing information database (521) is preserved the auction thing database of information such as conditions of auction that receive from electronic bill sale person port (202).Specifically, auction thing information database (521) is preserved auction thing cognizance code, electronic bill cognizance code, member's cognizance code of electronic bill sale person, conditions of auction information, registration auction date etc.Equally, the electronic bill cognizance code is preferably identical with the electronic bill cognizance code that is kept at electronic bill release data storehouse (112).At this, conditions of auction information comprises the sale volume, submit a tender the Close Date, and minimum middle marked price etc., but the present invention is not limited to these.At this also is that the sale volume is that electronic bill sale person requires the amount of money sold.The sale volume is exactly ' selling a part of mode ' than electronic bill capital after a little while.After admitting to buy and sell this moment electronic bill cut apart have only the dealing amount of money the passing of title to the electronic bill buyer.
Above-mentioned contrary auction thing information database (531) is preserved the contrary auction thing database of information such as contrary conditions of auction that receive from electronic bill buyer port (203).Specifically, contrary auction thing information database (531) is preserved contrary auction thing cognizance code, electronic bill cognizance code, member's cognizance code of electronic bill buyer, contrary conditions of auction information, contrary auction date of registration etc.Equally, the electronic bill cognizance code is preferably identical with the electronic bill cognizance code that is kept at electronic bill release data storehouse (112).At this, contrary conditions of auction information comprises the Close Date of submitting a tender, publisher and (perhaps) endorser credit grade, and bill capital (perhaps bill capital scope), the time limit (perhaps time limit scope), lowest interest rate etc., but the present invention is not limited to these.
Above-mentioned auction bid information database (522) is preserved electronic bill buyer's auction bid database of information.Specifically, preserve the auction bid cognizance code, member's cognizance code of electronic bill buyer, auction thing cognizance code is bought conditional information, bid date etc.At this, the purchase condition is meant the condition when the electronic bill buyer will buy the electronic bill of registering with offering, and it comprises interest rate etc., but the present invention is not limited to these.
Above-mentioned contrary auction bid information database (532) is preserved electronic bill sale person's contrary auction bid database of information.Specifically, preserve contrary auction bid cognizance code, member's cognizance code of electronic bill sale person, selling term information, bid date etc.At this, selling term is meant that the electronic bill buyer will sell electronic bill information of oneself and the condition the electronic bill of oneself time, and it comprises electronic bill information, interest rate etc., but the present invention is not limited to these.
The database of the dealing detailed catalogue between detail data storehouse (513) preservation electronic bill sale person and the electronic bill buyer is admitted in above-mentioned dealing.Specifically, preserve and admit cognizance code, the offering cognizance code, the purchase volume, dealing is admitted the date etc.
Above-mentioned auction admits that detail data storehouse (523) preserves between electronic bill sale person and the electronic bill buyer database of dealing detailed catalogue by inch of candle.Specifically, preserve and admit cognizance code, auction thing cognizance code, the auction bid cognizance code, dealing is admitted the date etc.
Above-mentioned contrary auction admits to pass through between detail data storehouse (533) preservation electronic bill sale person and the electronic bill buyer database of the dealing detailed catalogue of contrary auction.Specifically, preserve and admit cognizance code, contrary auction thing cognizance code, contrary auction bid cognizance code, dealing is admitted the date etc.
Above-mentioned tax information database (541) is preserved the water gold database of information of calculating according to the tax computing module.Specifically, preserve member's cognizance code of electronic bill buyer, admit cognizance code, dealing is admitted the date, the tax amount of money, and whether tax is paid, and whether capital remits money etc.
Preserve from the database of the purchase notice application informations such as purchase condition of electronic bill buyer port (203) reception in above-mentioned purchase notice request for data storehouse (551).Specifically, preserve and buy notice application cognizance code, member's cognizance code of electronic bill buyer is bought conditional information, date of application, notice concluding time etc.At this, the purchase condition comprises publisher and (perhaps) endorser credit grade, bill capital (scope of bill capital), and the time limit (perhaps time limit scope), lowest interest rate etc., same the present invention is not limited to these.
Preserve from the database of the sale notice application informations such as selling term of electronic bill sale person port (202) reception in above-mentioned sale notice request for data storehouse (552).Specifically, preserve and sell notice application cognizance code, member's cognizance code of electronic bill sale person, selling term information, date of application, notice concluding time etc.At this, selling term comprises minimum middle marked price etc., but the present invention is not limited to these.
The present invention possesses as above-mentioned formation, not only safety but also the service of intermediary's electronic bill dealing is provided easily.
Figure 28 is the precedence diagram of electronic bill buyer's offering (perhaps auctioning thing) registration phase among the electronic bill dealing intermediary method of the example according to the present invention.With reference to Figure 28, electronic bill sale person (202) connects electronic bill dealing intermediary system (500) (below, ' be called system 500 ') and login (K100 stage) for my all electronic bills are sold by dealing or auction.So, system (500) transmits electronic bill sale person's member's cognizance code and the electronic bill information (K120 stage) that requirement provides electronic bill sale person to electronic bill management system (100).It is electronic bill sale person's electronic bill and when being sent to system (500) that the electronic bill management system (100) that receives above-mentioned requirements is read the current owner, and system (500) receives these ports that is provided to electronic bill sale person (202).Whether normally the electronic bill that is registered as offering or auction thing by this process confirms (original affirmation) electronic bill of distribution according to electronic bill management system (100).
Electronic bill sale person selects by dealing among own all electronic bills or auctions the electronic bill (K130 stage) that will sell.Then, judge and sell electronic bill, still by inch of candle sell electronic bill by the common transactions mode.
When selecting the common transactions mode (K140 stage), system (500) is to electronic bill sale person port (202) the condition entry page that offers for sale.At this, selling term is as above-mentioned illustrated, the sale volume, and interest rate, buying a part may be whether, offering period of registration etc.The sale volume is exactly ' selling a part ' mode than electronic bill capital after a little while.During by above-mentioned page electronic bill sale person port (202) input selling term, offering information database (511) is preserved the offering information that comprises above-mentioned selling term data, and finishes offering registration (K150 stage).
When selecting the auction dealing (K160 stage), system (500) provides the conditions of auction input page to electronic bill sale person port (202).At this, conditions of auction is as above-mentioned illustrated, and the sale volume is submitted a tender the Close Date, minimum middle marked price etc.The sale volume is exactly illustrated ' selling a part ' mode in front than electronic bill capital after a little while.During by above-mentioned page electronic bill sale person port (202) input conditions of auction, auction thing information database (521) is preserved the auction thing information that comprises above-mentioned conditions of auction data, and auction thing registration (K170 stage).
Through said process electronic bill sale person my all electronic bills are registered as offering or auction thing by original affirmation process.
Figure 29 be in the electronic bill dealing of example according to the present invention among the liberation method electronic bill sale person's requirement buy (perhaps auction bid) and the precedence diagram in stage is admitted in dealing.With reference to Figure 29, electronic bill buyer (203) is in order to buy electronic bill connected system (500) and the login (K210 stage) with offering or the registration of auction thing.Then, the electronic bill (K220 stage) that will buy of inquiry.Offering or the auction thing information that meets querying condition is read from offering information database (511) or auction thing information database (521) by system (500), and Query Result is provided to above-mentioned electronic bill sale person port (202).At this moment, preferably read the publisher and (perhaps) endorser's of above-mentioned electronic bill business standing information, be provided to electronic bill sale person port (202) with above-mentioned Query Result from business standing information database (601).Figure 30 is an example of offering query screen, and Figure 31 is an example of auction thing query screen.Business standing information comprises credit rating of enterprise, therefore confirm the publisher of electronic bill or endorser's credit grade when the electronic bill buyer confirms offering (perhaps the auctioning thing) information of same of electronic bill, not only rationally but also easily determined electronic bill to buy (perhaps submitting a tender) plan.
The electronic bill buyer selects both must want to buy after the offering among above-mentioned Query Result and buys (K230 stage), also can select to import purchase condition participation auction bid (K232 stage) after the auction thing among above-mentioned Query Result.
In the K230 stage, the electronic bill buyer can apply for buying a part among electronic bill sale volume.At this, the amount of money that application is bought is called the purchase volume, and the purchase volume is exactly to be ' buying a part ' mode than sale volume after a little while.At this moment, may be whether among the above-mentioned offering information according to buying a part, above-mentioned electronic bill buyer can require to buy a part, can not require again.When the purchase that receives electronic bill in the K230 stage requires like this, move to the K240 stage.
In the K232 stage, the auction bid information that comprises purchase condition and electronic bill buyer information is saved in auction bid information database (522).Then, the bid closing day expires or satisfies the bid termination condition, and timestamp (K234 stage) among the above-mentioned electronic bill buyer moves to the K240 stage.
Require to finish in K230 stage electronic bill buyer's purchase, or in K234 stage electronic bill buyer timestamp, system (500) entrusts electronic bill management system (100) to reaffirm that above-mentioned electronic bill is original (the K240 stage).That is, make electronic bill management system (100) inquiry electronic bill release data storehouse (112) confirm whether still all above-mentioned electronic bills of electronic bill sale person.By this process, confirm whether registration offering (perhaps auctioning thing) transfers the third party to offering to the interregnum that requires to buy (perhaps acceptance of the bid) afterwards.
In the K240 stage, when above-mentioned electronic bill is confirmed as original, from electronic bill buyer (203) the clearing dealing amount of money (K250 stage).At this, the dealing amount of money is the amount of money of removing interest among the bill capital.Settlement method comprises from electronic bill buyer (203) the account system (500) that transfers accounts represents account's method, and the present invention is not limited to these.And, at this moment the tax of income from interest is illustrated with Figure 35 this from electronic bill buyer (203) also other clearing except the dealing amount of money.
Then, indicate that the owner of the dealing amount of money is sent to electronic bill management system (100) from the data that electronic bill sale person (202) changes to electronic bill buyer (203) among the electronic bill, make electronic bill management system (100) change be kept at the dealing possessory information of the amount of money (K260 stage) among the electronic bill in electronic bill release data storehouse (112).At this, the dealing amount of money is as above-mentioned illustrated, is the sale volume when selling a part, is the purchase volume when selling a part and buying a part, promptly is not that to sell a part be the electronic bill capital neither buy a part time.Carry out the K260 stage simultaneously, pay electronic bill sale person (202) (K270 stage) the whole or part of the dealing amount of money.The part of the dealing amount of money is the amount of money of some agency fees of control in the dealing amount of money (removing the amount of money of interest at capital).
Admit to finish after all parties's the execution item after the dealing as above-mentioned, dealing is admitted (perhaps auction admit detailed catalogue) is saved in dealing and admits detail data storehouse (513) (perhaps detail data storehouse (523) is admitted in auction) (K280 stage).
Through said process, the electronic bill buyer can buy the electronic bill that is registered as offering or auction thing.
Figure 32 is the precedence diagram of electronic bill buyer's contrary auction thing registration phase among the electronic bill dealing intermediary method of the example according to the present invention.With reference to Figure 32, electronic bill buyer (203) is in order to register contrary auction thing connected system (500) and the login (K410 stage) that will buy.So, said system (500) provides the page of the contrary conditions of auction of input to electronic bill buyer port (203), receive contrary conditions of auction data by the above-mentioned page from electronic bill buyer port (203), the contrary auction thing information that comprises contrary conditions of auction is saved in contrary auction thing information database (531) (K320 stage).
By said process electronic bill buyer contrary auction thing is registered in system (100).
Figure 33 is that electronic bill sale person's contrary auction thing is submitted a tender and the precedence diagram in stage is admitted in dealing among the electronic bill dealing intermediary method of the example according to the present invention.With reference to Figure 33, electronic bill sale person (202) is for contrary auction connected system (500) and the login (K410 stage) of submitting a tender.Then, the contrary auction of inquiry thing (K420 stage).The contrary auction thing that meets querying condition is read from contrary auction thing information database (531) by system (500), and Query Result offers above-mentioned electronic bill buyer's port (203).Figure 34 is an example of the contrary auction of inquiry thing screen.
Electronic bill sale person selects to participate in above-mentioned contrary auction bid (K430 stage) after electronic bill information that input will be sold and the selling term after the specific contrary auction thing among above-mentioned Query Result.At this moment preferably make electronic bill management system (100) confirm whether (original affirmation) above-mentioned electronic bill owner is electronic bill sale person.After the affirmation, the contrary auction bid information that comprises electronic bill information and selling term is saved in contrary auction bid information database (532).
Expire bidline day or satisfy the bid termination condition and above-mentioned electronic bill sale person's (202) above-mentioned bid is got the bid automatically, perhaps according to electronic bill buyer's (203) selection acceptance of the bid (K440 stage).Specify the latter, when registering electronic bill buyer (203) connected system (500) of contrary auction thing, provide contrary auction bid information and the publisher of electronic bill and (perhaps) endorser's business standing information to electronic bill buyer port (203).The electronic bill buyer confirms after the above-mentioned information, selects any one above and make acceptance of the bid among the contrary auction bid.
In the K440 stage, timestamp in above-mentioned electronic bill sale person's (202) the electronic bill, the same with the K240 stage that the front is illustrated to the K280 stage, confirm electronic bill original (K450 stage), from electronic bill buyer (203) the clearing dealing amount of money (K460 stage), electronic bill buyer (203) transfers the electronic bill owner (K470 stage) to, pays electronic bill sale person (202) (K480 stage) the dealing amount of money.And, contrary auction is admitted that detailed catalogue is saved in contrary auction and admits detail data storehouse (533) (K490 stage).This moment, also clearing were to the tax of income from interest in addition except the dealing amount of money from electronic bill buyer (203), and after this agency pays tax, will illustrate with Figure 35 this.
Through said process, the electronic bill buyer buys electronic bill by contrary auction.
Figure 35 is the precedence diagram that calculates and pay the tax stage among the electronic bill dealing intermediary method of the example according to the present invention.With reference to Figure 35, illustrated as the front, requirement purchase (perhaps auction bid) and dealing at Figure 29 are admitted the stage (K200 stage), and in the contrary auction bid of Figure 33 and admit the stage (K400), confirm (the K240 stage in stage of electronic bill original, the K450 stage) afterwards, the electronic bill buyer calculates the source collection tax that will pay and is saved in tax information database (K245 stage, K455 stage) income from interest.Then, clearing dealing amount of money stage (K250 stage, K460 stage) perhaps with the clearing dealing while in amount of money stage, is settled accounts above-mentioned tax (K255 stage, K465 stage) from electronic bill buyer (203) afterwards in advance.The tax of clearing (K510 stage) when tax is paid day like this earlier, electronics is paid affiliated taxation office (K520 stage).
By as above-mentioned process, the electronic bill buyer settles accounts tax, the trouble that reduces calculating and pay tax together when buying electronic bill.
Figure 36 is that electronic bill buyer's application receives the precedence diagram of buying notice and notification phase among the electronic bill dealing intermediary method of the example according to the present invention.With reference to Figure 36, at first electronic bill buyer (203) for buy electronic bill login system (500) afterwards the Request Notices electronic bill offering or the auction thing whether register (K610 stage).Inquiry electronic bill offering or (and) auction thing information result, preferably apply for buying notify (the K620 stage) when offering that electronic bill buyer (203) will buy or auction thing do not have.
The electronic bill buyer (203) who buys notice from the applying for electronic bill receives the purchase condition, the application purchase announcement information that comprises above-mentioned purchase condition is saved in application buys notification database (551) (K630).Then, connect offering information database (511) and auction thing information database (521) between in real time, in real time between inquiry electronic bill sale person's port (202) whether register offering or the auction thing (K640) that meets above-mentioned purchase condition.
In the K640 stage, when registration meets the offering of purchase condition or auctions thing, transmit the registration fact (K650 stage) of offering and auction thing to above-mentioned electronic bill buyer.
By said process, it is true that the electronic bill buyer receives the offering or the registration of auction thing that meet the purchase condition immediately, buys electronic bill rapidly.
Figure 37 is that electronic bill sale person's application receives the precedence diagram of selling notice and notification phase among the electronic bill dealing intermediary method of the example according to the present invention.With reference to Figure 37, at first electronic bill sale person (202) is in order to sell electronic bill login system (500) notice (K710 stage) whether registered of the contrary auction thing of applying for electronic bill afterwards.The contrary auction of inquiry thing information result is preferably applied for selling notice (K720 stage) when the contrary auction thing that electronic bill sale person (202) will sell is not registered.
The electronic bill sale person (202) who sells notice from the applying for electronic bill receives selling term, the application sale announcement information that comprises above-mentioned selling term is saved in application sells notification database (552) (K730).Then, connect contrary auction thing information database (531) between in real time, in real time between inquiry electronic bill buyer's port (203) whether register the contrary auction thing (K740) that meets above-mentioned selling term.
In the K740 stage, when registration meets the offering of selling term or auctions thing, transmit the registration fact (K750 stage) of contrary auction thing to above-mentioned electronic bill sale person.
By said process, it is true that electronic bill sale person receives the contrary auction thing registration that meets selling term immediately, sells electronic bill rapidly.
As above-mentioned, though the present invention is according to the example and the description of drawings that limit, but the present invention is not limited to these, and the people who possesses common knowledge in the technical field under the present invention realizes various corrections and distortion in technological thought of the present invention and the impartial scope of claim.
Industrial applicability
According to the present invention, also can transfer the third party before the electronic bill receiver expires pay day, so the electronic bill receiver can not obtain in the next few days cash.
According to another side of the present invention, all stages of distribution, circulation and collection electronic bill and eCheck only carry out in electronic bill and eCheck management system, obviously reduce electronic bill and eCheck information and flow out to outside or circulation for making the possibility occurrence of the safety problems such as information.
According to another side of the present invention, all stages of distribution, circulation and collection electronic bill and eCheck all carry out on the net, can save the greatest expense of distribution and circulate bill in kind and check in kind.
According to another side of the present invention, all stages of distribution, circulation and collection electronic bill and eCheck all carry out on the net, so electronic bill and all zooming processing of eCheck information, obviously reduce the traffic load of accounting event and audit.
According to another side of the present invention, therefore with the item of bill in kind and the different unqualified endorsement number of times of check in kind, can infinitely endorse, the flow of fund with enterprise is effect smoothly.
According to another side of the present invention, transfer the third party after the amount of money of also divisible electronic bill of the electronic bill of great number or eCheck or eCheck, enterprise is converted to cash to bill easily, and the flow of fund with enterprise is effect smoothly.
According to another side of the present invention, as promissory note with written notes records, cash on bank, and the account ticket in kind of marked check obviously reduces the management of account ticket in kind and time and the service charge that exchange brings when being automatically converted to electronic bill and eCheck.
According to another side of the present invention, but bill everyone the conversion electronic bill and eCheck electronics transfer the third party.
According to another side of the present invention,, and improve electronic bill (eCheck) distribution rate along with easy electronization bill in kind (check) improves the utilization factor of electronic bill (eCheck).
According to another side of the present invention, electronic at short notice bill in kind and check in kind contribute to bill and check user's economic activity smoothly and business capital circulation.
According to another side of the present invention, set up the dealing while forced branch entitlement of electronic bill on the net and force the clearing dealing amount of money, but so Secure Transaction electronic bill.
According to another side of the present invention, the publisher of offering information and auction thing information and electronic bill and endorser's credit rating of enterprise have relevant, not only easily but also judge that easily the confidence level of electronic bill buys electronic bill afterwards.
According to another side of the present invention, confirm the original of electronic bill be connected in real time with the electronic bill management system between, therefore obviously reduce the cancellation rate of deal contract.
According to another side of the present invention, activation along with the online electronic bill Handelsplatz between in many ways, the existing Handelsplatz that offers the middle man with too much transfer profit is different, and electronic bill sale person can sell electronic bill at high price, and the buyer can buy bill by high interest.
According to another side of the present invention, the agency pays according to buying the income tax of the interest that electronic bill takes place, and the electronic bill buyer reduces the trouble of buying electronic bill and will paying tax, guarantees the tax transparency when considering in social side.
According to another side of the present invention, can sell and buy a part, and realize the fundization of small amount capital fund, remove the bankroll problem of enterprise, contribute to economic growth.

Claims (50)

1, at least more than one user's user port is connected with bank server that is provided with user's account and information communication network, provide the distribution of electronic bill and eCheck and the electronic bill and the eCheck management system of management service to the user, comprise following feature:
Comprise the user's authentication information by user classification, user's information of user's cognizance code and user's accounts information is also preserved these user's information database;
When first user utilizes user port to require distribution electronic bill (perhaps eCheck) by information communication network, be transmitted from above-mentioned first user's above-mentioned user port and comprise and to get above-mentioned first user's cognizance code, the amount of the instrument (perhaps cheque sum), and the electronic bill (perhaps eCheck) of second user's cognizance code of above-mentioned electronic bill (perhaps eCheck) distribution requires after the information, comprising that above-mentioned electronic bill (perhaps eCheck) distribution requires electronic bill (perhaps eCheck) information of information to be saved in the distribution module in electronic bill and eCheck release data storehouse;
Expire the date of payment of above-mentioned electronic bill during electronic bill, or the final receiver who comprises above-mentioned second user's above-mentioned eCheck during eCheck is when utilizing user port to require the above-mentioned eCheck of collection by information communication network, the collection module on the bank server that is provided with above-mentioned first user's account is transferred accounts the above-mentioned amount of the instrument (perhaps cheque sum) requirement to the final receiver's account that comprises above-mentioned second user;
Preserve the electronic bill and the eCheck release data storehouse of above-mentioned electronic bill (perhaps above-mentioned eCheck) information according to above-mentioned distribution module; And
Authentication user when the user who comprises above-mentioned first user or above-mentioned second user connects by user port, above-mentioned first user calls out above-mentioned distribution module when requiring to issue above-mentioned electronic bill (perhaps above-mentioned eCheck), above-mentioned final receiver calls out when requiring the above-mentioned electronic bill of collection (perhaps eCheck) that above-mentioned collection module is responsible for issuing and the control part of managing electronic bill and eCheck.
2, according to the electronic bill and the eCheck management system of claim 1, comprise following feature:
When the current receiver of above-mentioned electronic bill among the user who comprises above-mentioned the first user and the second user (perhaps above-mentioned eCheck) utilizes user port to require to merge other electronic bills (perhaps eCheck) of above-mentioned electronic bill (perhaps above-mentioned eCheck) and current receiver by information communication network; After above-mentioned current receiver's above-mentioned user port is transmitted the cognizance code of above-mentioned other electronic bills (perhaps eCheck), new merging cognizance code is given in the information of above-mentioned electronic bill (and (perhaps) above-mentioned eCheck) and is saved in the merging module in electronic bill and eCheck release data storehouse.
3, at least more than one user's user port is connected with bank server that is provided with user's account and information communication network, provides the distribution of electronic bill and the electronic bill management system of management service to the user, comprises following feature:
Comprise user's authentication information by user classification, user's information of user's cognizance code and user's accounts information is also preserved these user's information database;
When first user uses user port to require the distribution electronic bill by information communication network, be transmitted from above-mentioned first user's above-mentioned user port and comprise and to get above-mentioned first user's cognizance code, the amount of the instrument, the date of payment, and the electronic bill of second user's cognizance code of above-mentioned electronic bill distribution requires after the information, comprising that the distribution of above-mentioned electronic bill requires the electronic bill information of information to be saved in the distribution module in electronic bill release data storehouse;
Expire as condition the date of payment of above-mentioned electronic bill, the collection module on the bank server that is provided with above-mentioned first user's account is transferred accounts above-mentioned amount of the instrument requirement to the final receiver's account that comprises above-mentioned second user;
Preserve the electronic bill release data storehouse of above-mentioned electronic bill information according to above-mentioned distribution module; And
Authentication user when the user who comprises above-mentioned first user or above-mentioned second user connects by user port, above-mentioned first user calls out above-mentioned distribution module when requiring to issue above-mentioned electronic bill, above-mentioned final receiver calls out above-mentioned collection module when requiring the above-mentioned electronic bill of collection and is responsible for the control part of distribution and managing electronic bill.
4, according to the electronic bill management system of claim 3, comprise following feature:
Above-mentioned distribution module, when first user uses user port to require the distribution electronic bill by information communication network, be transmitted the cognizance code that comprises above-mentioned first user from above-mentioned first user's above-mentioned user port, the amount of the instrument, and the distribution of the electronic bill of the date of payment requires after the information, comprising that the distribution of above-mentioned electronic bill requires the electronic bill information of information to be saved in after the electronic bill release data storehouse
Be transmitted and get second user's of above-mentioned electronic bill cognizance code from above-mentioned first user's above-mentioned user port, in the above-mentioned electronic bill receiver message block among the above-mentioned electronic bill release data storehouse, preserve second user's cognizance code.
5, according to the electronic bill management system of claim 3, comprise following feature:
Above-mentioned distribution module, when first user uses user port to require the distribution electronic bill by information communication network, be transmitted from above-mentioned first user's above-mentioned user port and comprise and to get above-mentioned first user's cognizance code, the amount of the instrument, the date of payment, and the electronic bill of second user's cognizance code of above-mentioned electronic bill distribution requires after the information, comprising that the distribution of above-mentioned electronic bill requires the electronic bill information of information to be saved in after the electronic bill release data storehouse
By Email, the mobile communication note, telecommunications instruments such as instant message are notified the distribution fact of above-mentioned electronic bill to above-mentioned second user.
6, according to the electronic bill management system of claim 3, comprise following feature:
Above-mentioned first user's cognizance code is above-mentioned first user's business herd number or legal person's herd number,
Above-mentioned user's accounts information comprises the information (bank's cognizance code, Bank Name, perhaps the IP address of bank server) that is provided with account bank.
7, according to the electronic bill management system of claim 3, comprise following feature:
When the current receiver of the above-mentioned electronic bill that comprises above-mentioned second user utilizes user port to require to transfer the possession of above-mentioned electronic bill by information communication network, after above-mentioned electronic bill receiver's above-mentioned user port is transmitted the 3rd user's the cognizance code of the electronic bill of assigning
In above-mentioned electronic bill buyer message block among the above-mentioned electronic bill release data storehouse, preserve the transfer module of the 3rd user's cognizance code.
8, electronic bill management system according to Claim 8 comprises following feature:
Above-mentioned transfer module, when the current receiver of the above-mentioned electronic bill that comprises above-mentioned second user utilizes user port to require to transfer the possession of above-mentioned electronic bill by information communication network, after above-mentioned electronic bill receiver's above-mentioned user port is transmitted the 3rd user's the cognizance code of the electronic bill of assigning, among above-mentioned electronic bill release data storehouse, preserve after the 3rd user's cognizance code in the above-mentioned electronic bill buyer message block, pass through Email, mobile communication note, telecommunications instruments such as instant message are notified the transfer fact of above-mentioned electronic bill to above-mentioned the 3rd user.
9, according to the electronic bill management system of claim 3, comprise following feature:
When comprise above-mentioned first utilizing and second user's user among the current receiver of above-mentioned electronic bill when utilizing user port to require to cut apart above-mentioned electronic bill by information communication network, be transmitted respectively from the current receiver's of above-mentioned electronic bill above-mentioned user port and cut apart after the amount of money, the relevant electronic bill information that each cuts apart the amount of money is saved in the module of cutting apart of above-mentioned electronic bill database.
10, at least more than one user's user port is connected with bank server that is provided with user's account and information communication network, provides the distribution of eCheck and the eCheck management system of management service to the user, comprises following feature:
Comprise user's authentication information, user's information of user's cognizance code and user's accounts information and user's information database of preserving by user classification;
When first user uses user port to require the distribution eCheck by information communication network, be transmitted from above-mentioned first user's above-mentioned user port and comprise and to get above-mentioned first user's cognizance code, cheque sum, and the eCheck of second user's cognizance code of above-mentioned eCheck distribution requires after the information, comprising that the distribution of above-mentioned eCheck requires the eCheck information of information to be saved in the distribution module in eCheck release data storehouse;
When the final receiver of the above-mentioned eCheck that comprises above-mentioned second user utilizes user port to require the above-mentioned eCheck of collection by information communication network, the collection module on the bank server that is provided with above-mentioned first user's account requires above-mentioned cheque sum to transfer accounts above-mentioned final receiver's account;
Preserve the eCheck release data storehouse of above-mentioned eCheck information according to above-mentioned distribution module; And
Authentication user when the user who comprises above-mentioned first user or above-mentioned second user uses user port to connect, above-mentioned first user calls out above-mentioned distribution module when requiring to issue above-mentioned eCheck, above-mentioned final receiver calls out above-mentioned collection module when requiring the above-mentioned eCheck of collection and is responsible for the control part of distribution and managing electronic check.
11, according to the eCheck management system of claim 10, comprise following feature:
When the current receiver of above-mentioned eCheck who comprises above-mentioned second user utilizes user port to require to transfer the possession of above-mentioned eCheck by information communication network, after above-mentioned eCheck receiver's above-mentioned user port is transmitted the 3rd user's the cognizance code of the eCheck of assigning, the transfer module of in above-mentioned eCheck buyer message block among the above-mentioned eCheck release data storehouse, preserving the 3rd user's cognizance code.
12, at least more than one user's user port is connected with bank server that is provided with user's account and information communication network, provide the distribution of electronic bill and eCheck and the electronic bill and the eCheck management system of management service to the user, comprise following feature:
When (a) first user uses user port to connect by information communication network, after being transfused to log-on message, above-mentioned user port authenticates member's stage;
When (b) above-mentioned first user requires distribution electronic bill or eCheck by above-mentioned user port, above-mentioned first user's cognizance code, the amount of the instrument (perhaps cheque sum), the date of payment, and comprise that electronic bill (perhaps eCheck) distribution of second user's cognizance code of getting above-mentioned electronic bill (perhaps eCheck) requires the information input page to offer the stage of above-mentioned first user's above-mentioned user port;
(c) above-mentioned first user imports the data that each message block that above-mentioned electronic bill (perhaps eCheck) distribution requires the information input page requires and transmits electronic bill (perhaps eCheck) distribution when requiring information, receives the stage that is saved in electronic bill and eCheck release data storehouse after these;
(d) expire the date of payment of above-mentioned electronic bill during electronic bill, or the final receiver who comprises above-mentioned second user's above-mentioned eCheck during eCheck is when utilizing user port to require the above-mentioned eCheck of collection by information communication network, the stage on the bank server that is provided with above-mentioned first user's account is transferred accounts the above-mentioned amount of the instrument (perhaps cheque sum) requirement to above-mentioned final receiver's account.
13, according to the electronic bill and the eCheck management system of claim 12, comprise following feature in addition:
After above-mentioned (c) stage and above-mentioned (d) before the stage,
When (c1) the current receiver who comprises above-mentioned second user's above-mentioned electronic bill (perhaps eCheck) utilizes user port to require to transfer the possession of above-mentioned electronic bill by information communication network, after the above-mentioned user port of above-mentioned electronic bill is transmitted the 3rd user's cognizance code of the electronic bill of assigning (perhaps eCheck), in buyer's message block of above-mentioned electronic bill among the above-mentioned electronic bill release data storehouse, preserve the stage of the 3rd user's cognizance code.
14, combine the electronic bill converting system that bill in kind is converted to electronic bill with the electronic bill management system, comprise following feature:
Drop into or discharge the account ticket discrepancy portion of bill in kind;
Discern the literal at the above-mentioned bill in kind front and the back side and the identification part of reading billing information;
Import Unidentified information, the update information of mistake identifying information, and the input part of the proprietary cognizance code of (perhaps) above-mentioned bill;
For the information of confirming above-mentioned bill shows and (perhaps) prints, the conversion fact of electronic bill is indicated in the bill in kind front that is converted to electronic bill and the efferent at (perhaps) back side;
Require the publisher's cognizance code that comprises publisher's title information to be sent to the draw bank server and receive its result, require the electronic bill distribution that comprises above-mentioned billing information information to be sent to above-mentioned electronic bill management system and receive its result's communication section; And
From above-mentioned identification part and above-mentioned input part receive the information of above-mentioned bill, be transmitted publisher's cognizance code from above-mentioned draw bank server, require above-mentioned electronic bill distribution information to be sent to above-mentioned electronic bill management system and requirement distribution electronic bill, be responsible for the control part that above-mentioned bill in kind is converted to the electronic bill business.
15, according to the electronic bill converting system of claim 14, have following feature:
Above-mentioned identification part, possessing the literal of identification front of above-mentioned bill in kind and back up and (perhaps) discerns with the optical character identification portion of handwriting and (perhaps) and is printed on the front of above-mentioned bill in kind and the magnetic ink character identification part of back side literal with magnetic ink
Put into the account ticket of above-mentioned account ticket throw-in part by some literal of printing with above-mentioned magnetic ink and confirm as bill in kind.
16, according to the electronic bill converting system of claim 14, comprise following feature in addition:
The account ticket that loads the bill in kind the be converted to above-mentioned electronic bill portion of packing into.
17, according to the electronic bill converting system of claim 14, comprise following feature in addition:
The image at the front and the back side of above-mentioned bill in kind is scanned in above-mentioned identification part, and discern the front and the back side literal of above-mentioned bill in kind and read billing information,
Preservation is from above-mentioned identification part and the billing information database of the billing information that obtains of above-mentioned input part; And
Be kept at the bill image data base in kind of the image file of above-mentioned identification part scanning.
18, combine the electronic bill conversion method that bill in kind is converted to electronic bill with the electronic bill management system, comprise following feature:
When (a) dropping into bill in kind, the stage of discerning the literal at the bill in kind front and the back side and reading billing informations such as publisher's title;
(b) be transfused to stage by input unit in above-mentioned (a) unidentified information of stage;
(c) require publisher's cognizance code of the above-mentioned publisher's of comprising title information to be sent to the server of draw bank and require stage of above-mentioned publisher's cognizance code;
(d) comprise that above-mentioned the electronic bill distribution of billing information requires information to be sent to the stage of above-mentioned electronic bill management system and requirement distribution electronic bill; And
(e) fact that is transformed into electronic bill as condition at (d) stage distribution electronic bill is indicated in the stage at above-mentioned bill in kind front and (perhaps) back side.
19, according to the electronic bill conversion method of claim 18, have following feature:
Above-mentioned (b) stage is,
Be transfused in above-mentioned Unidentified information of (a) stage the update information of mistake identifying information, and the stage of the proprietary cognizance code of above-mentioned bill by input unit.
20, according to the electronic bill conversion method of claim 18, comprise following feature in addition:
Above-mentioned (a) stage,
When dropping into bill in kind, scan the front and the back side of bill in kind, discern the literal at the bill in kind front and the back side and the stage of reading the billing information that comprises publisher's title,
Above-mentioned (b) after the stage,
Comprise that in addition output comprises the image at above-mentioned bill in kind front and (perhaps) back side, and the stage of the proprietary affirmation billing information of the bill of above-mentioned billing information file.
21, according to the electronic bill conversion method of claim 18, comprise following feature:
Above-mentioned (b) stage,
Be transfused in the stage of above-mentioned Unidentified information of (a) stage and the proprietary accounts information of above-mentioned bill by input unit,
The electronic bill distribution in above-mentioned (d) stage requires to comprise in the information information and the proprietary accounts information of above-mentioned bill of above-mentioned bill.
22, according to the electronic bill conversion method of claim 18, comprise following feature in addition:
Above-mentioned (e) after the stage,
Comprise in addition above-mentioned billing information is sent to the stage of electronic bill conversion notice request being issued after the server of above-mentioned draw bank above-mentioned publisher.
23, according to the electronic bill conversion method of claim 18, comprise following feature in addition:
Above-mentioned (e) after the stage, comprises the above-mentioned billing information of output in addition, the electronic bill conversion date, and the bill of electronic bill converter information etc. everyone confirm the stage of card with conversion.
24, combine the eCheck conversion method that check in kind is converted to eCheck with the eCheck management system, comprise following feature:
Drop into or discharge the account ticket discrepancy portion of check in kind;
Discern the literal at the above-mentioned check in kind front and the back side and read the identification part of check information;
Import Unidentified information, the update information of mistake identifying information, and the input part of the proprietary cognizance code of (perhaps) above-mentioned check;
For the information of confirming above-mentioned check shows and (perhaps) prints, the conversion fact of eCheck is indicated in the check in kind front that is converted to eCheck and the efferent at (perhaps) back side;
Require the publisher's cognizance code that comprises publisher's title information to be sent to the server of draw bank, require the eCheck distribution that comprises above-mentioned check information information to be sent to the communication section of above-mentioned eCheck management system; And
Receive the information of above-mentioned check from above-mentioned identification part, be transmitted publisher's cognizance code from above-mentioned draw bank server, require above-mentioned eCheck distribution information to be sent to above-mentioned eCheck management system and requirement distribution eCheck, be responsible for the control part that above-mentioned check in kind is converted to the eCheck business.
25, combine the eCheck conversion method that check in kind is converted to eCheck with the eCheck management system, comprise following feature:
When (a) dropping into check in kind, discern the literal at the check in kind front and the back side and read stage of check information such as publisher's title;
(b) be transfused to stage by input unit in above-mentioned (a) unidentified information of stage;
(c) require publisher's cognizance code of the above-mentioned publisher's of comprising title information to be sent to the server of draw bank and require stage of above-mentioned publisher's cognizance code;
(d) comprise that above-mentioned the eCheck distribution of check information requires information to be sent to the stage of above-mentioned eCheck management system and requirement distribution eCheck; And
(e) fact that is transformed into eCheck as condition at (d) stage distribution eCheck is indicated in the stage at above-mentioned check in kind front and (perhaps) back side.
26, and the electronic bill management system be combined in the electronic bill dealing intermediary system of the dealing of intermediary's electronic bill between electronic bill sale person and the electronic bill buyer, comprise following feature:
Provide the dealing intermediary agency to need the webserver of the page to above-mentioned electronic bill sale person port and above-mentioned electronic bill buyer port;
Be transfused to the information and the selling term data of electronic bill from above-mentioned electronic bill sale person by port, offering information such as the information of above-mentioned electronic bill and above-mentioned selling term be saved in the Registering modules of database;
Preserve the offering information database of offering information such as the information of above-mentioned electronic bill and selling term;
When the purchase that receives above-mentioned electronic bill from above-mentioned electronic bill buyer requires, confirm the original of above-mentioned electronic bill to above-mentioned electronic bill system administration request, settle accounts the dealing amount of money of above-mentioned electronic bill after the affirmation original from above-mentioned electronic bill buyer, the video data that the owner of the dealing amount of money is converted to above-mentioned electronic bill buyer from above-mentioned electronic bill sale person among above-mentioned electronic bill is sent to above-mentioned electronic bill management system, and module is admitted in whole or a part of dealings of paying above-mentioned electronic bill sale person of the above-mentioned dealing amount of money; And
The login of above-mentioned electronic bill is also called out above-mentioned Registering modules when requiring registration to sell above-mentioned electronic bill, and above-mentioned electronic bill buyer calls out dealing when requiring to buy above-mentioned electronic bill and admits module, is responsible for handling the control part of dealing intermediary.
27, according to the electronic bill dealing intermediary system of claim 26, comprise following feature in addition:
When above-mentioned electronic bill buyer logins said system and imports the querying condition of offering information, read the offering information that meets above-mentioned querying condition from above-mentioned offering information database, read electronic bill publisher among the above-mentioned offering information and (perhaps) transferor's business standing information and be provided to enquiry module on above-mentioned electronic bill buyer's the above-mentioned port with above-mentioned offering information from the business standing database.
28, according to the electronic bill dealing intermediary system of claim 27, have following feature:
Above-mentioned business standing information database is included in the said system or in other business standing information management system and uses.
29, combine the method for the electronic bill dealing between electronic bill dealing intermediary system electronic bill sale person of intermediary and the electronic bill buyer with the electronic bill management system, comprise following feature:
When (a) above-mentioned electronic bill buyer connects the electronic bill information that input will be sold after the said system by port, receive after the information of above-mentioned electronic bill to electronic bill sale person port and offer for sale stage of the condition entry page;
When (b) utilizing above-mentioned selling term input page to import selling term, the offering information of above-mentioned selling term is saved in the stage of database by above-mentioned electronic bill port;
(c) above-mentioned electronic bill buyer confirms the stage of above-mentioned electronic bill original when requiring to buy above-mentioned electronic bill after the port login said system to above-mentioned electronic bill system administration request;
(d) be identified original is settled accounts the above-mentioned electronic bill dealing amount of money from above-mentioned electronic bill buyer as condition stage at above-mentioned electronic bill of (c) stage; And
(e) video data that the owner of the dealing amount of money is converted to above-mentioned electronic bill buyer from above-mentioned electronic bill sale person among above-mentioned electronic bill is sent to above-mentioned electronic bill management system, in whole or a part of stages of paying above-mentioned electronic bill sale person of the above-mentioned dealing amount of money.
30, according to the electronic bill dealing intermediary method of claim 29, comprise following feature:
Above-mentioned (a) stage comprises,
When (a1) above-mentioned electronic bill sale person connected said system by port, the electronic bill information that is transmitted above-mentioned electronic bill sale person from above-mentioned electronic bill management system offered the stage of above-mentioned electronic bill sale person's above-mentioned port; And
When (a2) above-mentioned electronic bill sale person selects more than one sale electronic bill at least among above-mentioned electronic bill, receive after port from the information of above-mentioned electronic bill to electronic bill sale person and offer for sale stage of the condition entry page.
31, according to the electronic bill dealing intermediary method of claim 29, comprise following feature:
Above-mentioned (c) stage comprises,
(c1) above-mentioned electronic bill buyer is by after the port login said system, when among offering information, inquiring about the electronic bill that to buy, provide stage of the electronic bill publisher that inquires with its Query Result and (perhaps) transferor's business standing information to above-mentioned electronic bill buyer's above-mentioned port, and
When (c2) above-mentioned electronic bill buyer confirms that above-mentioned Query Result and above-mentioned business standing information are selected also to require to buy more than one by above-mentioned port afterwards at least among above-mentioned inquiry electronic bill, confirm the stage of above-mentioned electronic bill original to above-mentioned electronic bill system administration request.
32, according to the electronic bill dealing intermediary method of claim 29, comprise following feature:
Above-mentioned selling term can comprise above-mentioned electronic bill sale person's hope selling price.
33, according to the electronic bill dealing intermediary method of claim 29, have following feature:
Above-mentioned (c) stage is above-mentioned electronic bill buyer by importing purchasing price after the port login said system and when requiring to buy electronic bill, confirms stage of above-mentioned electronic bill original to above-mentioned electronic bill system administration request,
The dealing amount of money in above-mentioned (d) stage is the price of relevant above-mentioned purchase volume,
The dealing amount of money in above-mentioned (e) stage can be exactly above-mentioned purchase volume.
34, according to the electronic bill dealing intermediary method of claim 29, have following feature:
Above-mentioned (d) before the stage,
Comprise that calculating above-mentioned buyer buys above-mentioned electronic bill and the tax of interest and the stage of preserving take place;
In (d) stage, settle accounts the dealing amount of money of above-mentioned electronic bill from above-mentioned electronic bill buyer and settle accounts above-mentioned tax in addition in addition.
35, according to the electronic bill dealing intermediary method of claim 34, comprise following feature in addition:
Above-mentioned (e) is after the stage
Comprising in addition that (f) pays in above-mentioned fixed tax day sentences the stage that the electronics mode is paid above-mentioned tax to relevant paying.
36, combine the electronic bill dealing intermediary system of the electronic bill dealing between electronic bill sale person of intermediary and the electronic bill buyer with the electronic bill management system, comprise following feature:
The webserver of the required page when above-mentioned electronic bill sale person port and above-mentioned electronic bill buyer port provide dealing intermediary;
Be transfused to the information and the conditions of auction data of electronic bill from above-mentioned electronic bill sale person by port, auction thing information such as the information of above-mentioned electronic bill and above-mentioned conditions of auction be saved in the Registering modules of database;
Preserve the auction thing information database of auction thing information such as the information of above-mentioned electronic bill and conditions of auction; Receive the purchase condition from above-mentioned electronic bill buyer, the auction bid information that comprises above-mentioned purchase condition and above-mentioned electronic bill buyer information is saved in the bid module of database;
Expire bidline day or satisfy the bid termination condition and timestamp among the above-mentioned electronic bill buyer, confirm the original of electronic bill to above-mentioned electronic bill system administration request, when confirming as original, the dealing amount of money from electronic bill buyer port clearing electronic bill, the owner who indicates the dealing amount of money among above-mentioned electronic bill is sent to the electronic bill management system by the data that above-mentioned electronic bill sale person changes to above-mentioned electronic bill buyer, and module is admitted in whole or a part of dealings of paying electronic bill sale person of the above-mentioned dealing amount of money; And
Above-mentioned electronic bill sale person login is also called out above-mentioned Registering modules when requiring the above-mentioned electronic bill of registration auction, when requiring to submit a tender above-mentioned electronic bill, above-mentioned electronic bill buyer calls out bid module, make above-mentioned dealing admit that module auctions, and the control part of responsible intermediary auction.
37, combine the method for the electronic bill dealing between electronic bill dealing intermediary system electronic bill sale person of intermediary and the electronic bill buyer with the electronic bill management system, comprise following feature:
When (a) above-mentioned electronic bill sale person imported the electronic bill information that will sell afterwards by port connection said system, the information that receives above-mentioned electronic bill provided the stage of conditions of auction input page afterwards to electronic bill sale person port;
When (b) utilizing above-mentioned conditions of auction input page to import conditions of auction, the auction thing information of above-mentioned conditions of auction is saved in the stage of database and registration auction thing by above-mentioned electronic bill port;
When (c) above-mentioned electronic bill buyer imports the auction of the purchase condition of above-mentioned electronic bill and the above-mentioned electronic bill of submitting a tender afterwards by the port login said system, comprise that the auction bid information of above-mentioned purchase condition and above-mentioned electronic bill buyer information is saved in the stage of database;
(d) expire bidline day or satisfy the bid termination condition and timestamp among the above-mentioned electronic bill buyer, confirm the stage of electronic bill original to above-mentioned electronic bill system administration request;
(e) confirm as the condition of original at above-mentioned above-mentioned electronic bill of (d) stage, the stage of settling accounts the dealing amount of money of above-mentioned electronic bill from above-mentioned electronic bill buyer; And
(f) video data that the owner of the dealing amount of money is converted to above-mentioned electronic bill buyer from above-mentioned electronic bill sale person among above-mentioned electronic bill is sent to above-mentioned electronic bill management system, in whole or a part of stages of paying above-mentioned electronic bill sale person of the above-mentioned dealing amount of money.
38, according to the electronic bill dealing intermediary method of claim 37, comprise following feature:
Above-mentioned (a) stage comprises,
When (a1) above-mentioned electronic bill sale person connected said system by port, the electronic bill information that is transmitted above-mentioned electronic bill sale person from above-mentioned electronic bill management system offered the stage of above-mentioned electronic bill sale person's above-mentioned port; And
When (a2) above-mentioned electronic bill sale person selects more than one sale electronic bill at least among above-mentioned electronic bill, receive after the information of above-mentioned electronic bill to electronic bill sale person port and offer for sale stage of the condition entry page.
39, according to the electronic bill dealing intermediary method of claim 37, comprise following feature:
Above-mentioned (c) stage comprises,
(c1) above-mentioned electronic bill buyer is by after the port login said system, when among auction thing information, inquiring about the electronic bill that to submit a tender, electronic bill publisher who inquires about with its Query Result and (perhaps) endorser's business standing information are provided to the stage of above-mentioned electronic bill buyer's above-mentioned port, and
When (c2) above-mentioned electronic bill buyer confirms to select more than one by above-mentioned port at least after above-mentioned Query Result and the above-mentioned business standing information and import the purchase condition to submit a tender auction among above-mentioned inquiry electronic bill, the auction bid information that comprises above-mentioned purchase condition and above-mentioned electronic bill buyer information is saved in the stage of database.
40, according to the electronic bill dealing intermediary method of claim 37, have following feature:
Above-mentioned (e) comprised before the stage
Calculating above-mentioned electronic bill buyer buys above-mentioned electronic bill and the tax of interest and the stage of preserving takes place;
In (e) stage, settle accounts the dealing amount of money of above-mentioned electronic bill from above-mentioned electronic bill buyer and settle accounts above-mentioned tax in addition in addition.
41, according to the electronic bill dealing intermediary method of claim 40, comprise following feature in addition:
Above-mentioned (f) is after the stage
Comprising in addition that (g) pays in above-mentioned fixed tax day sentences the stage that the electronics mode is paid above-mentioned tax to relevant paying.
42, combine the electronic bill dealing intermediary system of the electronic bill dealing between electronic bill sale person of intermediary and the electronic bill buyer with the electronic bill management system, comprise following feature:
The webserver of the required page when above-mentioned electronic bill sale person port and above-mentioned electronic bill buyer port provide dealing intermediary;
Be transfused to contrary conditions of auction data from above-mentioned electronic bill sale person by port, comprising that the contrary auction thing information of above-mentioned contrary conditions of auction is saved in the Registering modules of database;
Preserve the contrary contrary auction thing information databases of auctioning thing information such as above-mentioned contrary conditions of auction;
Be transfused to the selling term that comprises electronic bill information from above-mentioned electronic bill sale person by port, the contrary auction bid information that comprises above-mentioned selling term and above-mentioned electronic bill sale person information be saved in the bid module of database;
Expire bidline day or satisfy the bid termination condition and timestamp among the above-mentioned electronic bill sale person, confirm the original of electronic bill to above-mentioned electronic bill system administration request, when confirming as original, settle accounts the dealing amount of money of above-mentioned electronic bill from the electronic bill buyer, the owner of the dealing amount of money is sent to the electronic bill management system by the unlabeled data that above-mentioned electronic bill sale person changes to above-mentioned electronic bill buyer among above-mentioned electronic bill, and module is admitted in whole or a part of dealings of paying electronic bill sale person of the above-mentioned dealing amount of money; And
Above-mentioned electronic bill buyer login is also called out above-mentioned Registering modules when requiring the above-mentioned electronic bill of the contrary auction of registration, above-mentioned electronic bill sale person calls out above-mentioned bid module when requiring to submit a tender above-mentioned electronic bill, make above-mentioned dealing admit that module carries out contrary auction, and the control part of the contrary auction of responsible intermediary.
43, combine the method for the electronic bill dealing between electronic bill dealing intermediary system electronic bill sale person of intermediary and the electronic bill buyer with the electronic bill management system, comprise following feature:
When (a) above-mentioned electronic bill buyer connects the contrary conditions of auction that input will be bought after the said system by port, comprise that the contrary of above-mentioned contrary conditions of auction auction the stage that thing information is saved in database;
(b) above-mentioned electronic bill sale person is by after the port login said system, input comprises when the selling term of above-mentioned electronic bill information is submitted a tender above-mentioned contrary auction, comprises that the contrary auction bid information of above-mentioned selling term and above-mentioned electronic bill sale person information is saved in database and contrary stage of auctioning thing of registration;
(c) expire bidline day or satisfy the bid termination condition and above-mentioned electronic bill sale person's above-mentioned bid acceptance of the bid or according to timestamp among the above-mentioned electronic bill buyer automatically, confirm the stage of electronic bill original to above-mentioned electronic bill system administration request;
(d) confirm as the condition of original at above-mentioned above-mentioned electronic bill of (c) stage, the stage of settling accounts the dealing amount of money of above-mentioned electronic bill from above-mentioned electronic bill buyer; And
(e) video data that the owner of the dealing amount of money is converted to above-mentioned electronic bill buyer from above-mentioned electronic bill sale person among above-mentioned electronic bill is sent to above-mentioned electronic bill management system, in whole or a part of stages of paying above-mentioned electronic bill sale person of the above-mentioned dealing amount of money.
44, according to the electronic bill dealing intermediary method of claim 43, comprise following feature:
Above-mentioned (b) stage comprises,
When (b1) above-mentioned electronic bill sale person connects said system by port, be transmitted above-mentioned electronic bill sale person's electronic bill information and offer stage of above-mentioned electronic bill sale person's above-mentioned port from above-mentioned electronic bill management system; And
(b2) above-mentioned electronic bill sale person selects more than one sale electronic bill at least among above-mentioned electronic bill, the input selling term, when submitting a tender above-mentioned contrary auction, comprise that the contrary auction bid information of above-mentioned selling term and above-mentioned electronic bill sale person information is saved in the stage of database.
45, according to the electronic bill dealing intermediary method of claim 43, have following feature:
In the acceptance of the bid according to above-mentioned electronic bill buyer in above-mentioned (c) stage, process
Above-mentioned electronic bill buyer is provided to above-mentioned electronic bill buyer's above-mentioned port to electronic bill publisher and (perhaps) endorser's business standing information with above-mentioned contrary auction information when the port login said system,
Above-mentioned electronic bill buyer confirm after above-mentioned contrary auction bid information and the above-mentioned business standing information by above-mentioned port among above-mentioned contrary auction bid, select at least more than one and in the realization of target process.
46, according to the electronic bill dealing intermediary method of claim 43, have following feature:
Above-mentioned (d) comprised before the stage in addition
Calculating above-mentioned electronic bill buyer buys above-mentioned electronic bill and the tax of interest and the stage of preserving takes place;
In (d) stage, settle accounts the dealing amount of money of above-mentioned electronic bill from above-mentioned electronic bill buyer and settle accounts above-mentioned tax in addition in addition.
47, according to the electronic bill dealing intermediary method of claim 46, comprise following feature in addition:
Above-mentioned (e) is after the stage
Comprising in addition that (f) pays in above-mentioned fixed tax day sentences the stage that the electronics mode is paid above-mentioned tax to relevant paying.
48, combine the method for the electronic bill dealing between electronic bill dealing intermediary system electronic bill sale person of intermediary and the electronic bill buyer with the electronic bill management system, comprise following feature:
(a) above-mentioned electronic bill buyer is by the port login said system, and input purchase condition when notice is bought in application, comprises that the stage that announcement information is saved in database is bought in the application of above-mentioned purchase condition;
(b) in real time between inquiry whether meet stage of the offering or the auction thing of above-mentioned purchase condition from above-mentioned electronic bill sale person port registration; And
(c) meet offering or auction thing when registration of above-mentioned purchase condition, transmit offering or auction thing true stage of registration to above-mentioned electronic bill buyer.
49, according to the electronic bill dealing intermediary method of claim 48, have following feature:
Above-mentioned (c) stage is,
The offering or auction thing when registration that meet above-mentioned purchase condition, send short messages for electronic bill buyer's mobile phone or stage that the mode of sending e-mails for above-mentioned electronic bill buyer's electronic mail account transmits the registration fact of offering or auction thing.
50, combine the method for the electronic bill dealing between electronic bill dealing intermediary system electronic bill sale person of intermediary and the electronic bill buyer with the electronic bill management system, comprise following feature:
(a) above-mentioned electronic bill sale person is by the port login said system, and the input selling term when notice is sold in application, comprises that the stage that announcement information is saved in database is sold in the application of above-mentioned selling term;
(b) in real time between inquiry stage of whether registering the contrary auction thing that meets above-mentioned selling term from above-mentioned electronic bill buyer port; And
When (c) meeting the contrary auction thing registration of above-mentioned selling term, transmit the contrary auction thing true stage of registration to above-mentioned electronic bill sale person port.
CNA2005100983013A 2004-09-07 2005-09-05 System and method for mnaging, exchanging and purchasing medium of electronic bill and electronic check Pending CN1750036A (en)

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KR1020040074978 2004-09-20

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