KR20020003852A - Electronic bill dealing system and method over network - Google Patents

Abstract

PURPOSE: An enclosed cyber bill dealing system and method thereof using a data communication network is provided to analyze transfer information in real time by issuing and managing cyber bills between a purchaser and a product/service provider, by enabling the provider to link with all sorts of financial servers and credit inquiry companies in order to transfer the cyber bill to the third party. CONSTITUTION: A member terminal is equipped with a communication module in order to output information on cyber bills charged in an electronic wallet given to each member. In addition, the member terminal is composed of one or more of bill issuer terminals(A1-An) equipped with web browsers, provider terminals(B1-Bn) which provide specific products and services and transferee terminals(C1-Cn) which receives a cyber bill. A bank server(BS) performs a fund transfer according to a paying request signal applied to electronic bill expired. An enclosed cyber bill dealing server(EBDS) receives a signal for issuing and distributing cyber bills from the transferee terminals. The enclosed cyber bill dealing server(EBDS) forms an electronic wallet of each user. In addition, the enclosed cyber bill dealing server(EBDS) automatically issues a paying request signal to the bank server(BS) in case that a cyber bill is expired.

Description

Closed Electronic Bill Trading System using Data Communication Network and its Method {ELECTRONIC BILL DEALING SYSTEM AND METHOD OVER NETWORK}

The present invention relates to a closed electronic bill trading system using a data communication network and a method thereof, and more particularly, to issue and manage cyber bills between a buyer and a product / service provider, and the provider can transfer the cyber bill to a third party. The present invention relates to a closed electronic bill trading system and a method using a data communication network that manages issuance, distribution and account settlement of cyber bills in association with various financial servers and credit inquiry companies.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, in recent years, information selection technology and compression technology are being developed to more easily access peripheral technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

Accordingly, various gift certificates and the like that are distributed on-line are also issued and distributed on-line for the convenience of various users.

Another object that is being distributed offline is checks and bills, etc. Even though such checks and bills can be solved online such as credit guarantees such as payment guarantees, they are not currently being provided. In the case of bills distributed offline, it is difficult to identify the transferee's information due to the frequent transfer of bills, and thus there is a significant gap in terms of money tracking and management, and there is a problem in that unjust gain such as a discount rate of bills cannot be prevented.

In addition, since the damages such as the discount of the bill remain the share of the bill assignee, there is a problem that the company that receives the bill for the price of a certain product or service may further increase the insolvency.

The present invention has been made in view of the above-described prior art, and manages issuance and management of cyber bills between buyers and goods / service providers, and various financial servers and credit query companies can transfer the cyber bills to third parties. Closed electronic bill trading system and method using a data communication network to manage and issue cyber bills, account settlement, account settlement, etc. in real time. The purpose is to provide.

In addition, the present invention provides a data communication network that prevents the occurrence of stagnant bills and prevents a decline in corporate trust due to the distribution of bills by presetting the range of assignees who can receive the electronic bills. An object of the present invention is to provide a closed electronic bill trading system and a method thereof.

1 is a schematic diagram showing a schematic configuration of a closed electronic bill trading system using a data communication network according to an embodiment of the present invention;

Figure 2 is a block diagram showing the configuration of a closed electronic bill trading system using a data communication network according to an embodiment of the present invention,

Figure 3 is a block diagram showing the configuration of a closed electronic bill transaction server using a data communication network according to an embodiment of the present invention,

4 is a view showing an example of electronic bills distributed in a closed electronic bill trading system using a data communication network according to an embodiment of the present invention;

5 is a flowchart illustrating a signal flow of a closed electronic bill trading system using a data communication network according to an embodiment of the present invention;

6 is a flowchart illustrating a signal flow of a closed electronic bill trading system using a data communication network according to another embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1-An: bill issuer terminal, B1-Bn: provider terminal,

C1 ~ Cn: Proton Terminal, BS1 ~ BSn: Financial Server,

EBDS: Closed Electronic Bill Transaction Server.

In order to achieve the above object, according to a preferred embodiment of the present invention to issue the electronic bill, to output the screen for the issued electronic bill and the electronic bill information charged in the electronic wallet given to each subscriber A communication module such as a modem is provided therein, and at least one bill issuing terminal equipped with a web browser, a provider terminal of a supplier providing a specific product and service, and a subscriber terminal of an assignee of an assignee of electronic bills. Wow; A financial server provided with a financial company in connection with a plurality of financial servers to perform an account transfer in accordance with an authorized payment request signal for an electronic bill whose authentication and payment date has expired; Electronic bill issuance and distribution signals are received from the bill issuer terminal, the supplier terminal, and the assignee terminal of the assignee, and an electronic wallet of each subscriber is formed to manage electronic bill issuance and distribution, and in case of a bill whose payment date has expired. Provided is a closed electronic bill transaction system using a data communication network comprising a closed electronic bill transaction server for automatically issuing a payment request signal to the financial server.

Preferably, the closed electronic bill transaction server is authorized for electronic bill issuance and distribution data from the terminal of the subscriber (bill issuer, supplier, assignee), and the credit server for the specific credit check and payment for the specific electronic bill to the financial server A communication module for transmitting a request signal; A subscriber information management unit for storing and updating subscriber information; An electronic signature generation unit for generating authentication keys for respective electronic bills issued, distributed, and transferred for each electronic bill; An electronic bill generating unit for generating an electronic bill having a predetermined payment date and amount according to a demand of the paper issuer; An electronic wallet manager for storing the electronic bill for each owner; An electronic bill management unit for managing issuance, distribution, and transfer of electronic bills stored in the electronic wallet; A subscriber authentication unit for performing subscriber authentication in association with the authentication key generated in the previous signature generation unit; A subscriber information DB for storing personal information of the subscriber; An electronic signature DB for storing an authentication key generated for each electronic bill; An electronic bill information DB for storing issuance and distribution information of electronic bills; An electronic wallet DB for each subscriber for storing electronic wallet information filled with electronic bills issued or in circulation for each subscriber; A financial institution DB that stores information of each linked financial institution; In accordance with the subscriber's request, electronic bills are issued in exchange for goods or services provided by the supplier, and the distribution of the electronic bills is managed, and the payment is automatically recognized to the subscriber when the payment date arrives. Provided is a closed electronic bill trading system using a data communication network, comprising a control unit for performing overall control for requesting the request.

On the other hand, the present invention is a transaction method of a closed electronic bill trading system that is capable of issuing electronic bills on the web, and circulating the issued electronic bills through transfer, wherein the supplier provides goods or services to a specific person or company. Process; Requesting issuance of an electronic bill by accessing a closed electronic bill transaction server; Issuing an electronic bill after the closed electronic bill transaction server inquires the credit status and authentication of the electronic bill issuer; The issuer of the electronic bill provides the information of the goods / services provider to be provided with the electronic bill; Providing the electronic bill by the publisher of the electronic bill to the goods / service provider; Registering the electronic bill in the electronic wallet of the supplier; Determining, by the provider, whether a request signal for transferring the electronic bill is authorized; If the supplier intends to transfer the bill, generating the assignee's authentication key as an electronic signature; Registering the electronic bill in the electronic wallet of the assignee; Determining whether the assignee who has transferred the electronic bill intends to reassign the electronic bill to another third party; If the assignee has no intention of reassignment, determining whether the expiration date of the electronic bill has been reached; When the payment expiration date arrives, there is provided a closed electronic bill transaction method using a data communication network comprising a process of making a corresponding payment request to a specific financial institution having an electronic bill payment obligation.

More preferably, in order to receive the electronic bill from the publisher and the publisher of the electronic bill, the electronic wallet to generate the electronic wallet through the information input of the electronic bill issuer and the goods / service provider; Provided is a closed electronic bill trading method using a data communication network, further comprising the step of issuing the electronic bill and transferring the electronic bill from each electronic wallet.

In addition, if the issuance period of the electronic bill according to the subscriber's choice has elapsed by the predetermined time, the closed electronic bill trading method using a data communication network, characterized in that it can notify the subscriber that the corresponding set time has arrived. Is provided.

On the other hand, there is provided a closed electronic bill trading method using a data communication network that is linked to the financial server to publish the electronic bill discount information for a number of companies for each financial company to view.

In addition, there is provided a closed electronic bill trading method using a data communication network characterized in that it is possible to limit the range of assignees who can receive the electronic bill at the request of the issuer or the issuing company.

In addition, when the range of the assignee is limited, when the electronic bill assignee inputs the assignee information, the server may further determine whether it is within the range of the registered assignee based on the information. A closed electronic bill trading method is provided.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1 is a schematic diagram showing a schematic configuration of a closed electronic bill trading system using a data communication network according to an embodiment of the present invention.

Referring to this, a closed electronic bill trading system using a data communication network according to the present invention allows a plurality of bill issuers 12 to issue an electronic bill by accessing a terminal, and issued an electronic bill issuer and It is managed with distribution mediator information.

In addition, since the closed electronic bill trading system using the data communication network according to the present invention is linked to a plurality of financial companies 18, it is possible to quickly adjust the bill issuance limit after confirming the credit ratings of the plurality of bill issuers 12. Therefore, the issue of stale notes can be minimized.

On the other hand, the closed electronic bill trading system using the data communication network according to the present invention, as well as the issuer (12) information, the provider receiving the electronic bill in exchange for providing a specific goods and services to the issuer (12) ( 14) By managing the information together, it is possible to quickly determine the flow of funds, and by generating a unique authentication key for each note issuer (12) and supplier (14) can be made transparent transactions.

In addition, the closed electronic bill trading system using the data communication network according to the present invention can quickly stop the distribution of the corresponding electronic bill during the bankruptcy processing of the bill issuer 12, thereby minimizing the damage of the third party in good faith. In this way, the order of the distribution of paper can be established.

In addition, the supplier 14, which has received the bill from the bill issuer 12 through the closed electronic bill transaction system using the data communication network according to the present invention, may transfer the electronic bill to the third party, the assignee 16, At this time, the information of the assignee 16 is registered and a unique authentication key of the assignee 16 is generated and provided.

Accordingly, in the closed electronic bill transaction system 2 using the data communication network according to the present invention, a subscriber information management area 4 for managing subscriber information in association with electronic bill information is provided.

On the other hand, in the closed electronic bill trading system 2, an electronic signature management area 6 for generating and managing unique authentication keys of the bill issuer 12, the supplier 14, and the assignee 16 is provided. Preferably, the closed electronic bill trading system 2 is provided with an electronic bill management area 8 which is linked to the subscriber information area 4 and performs overall management of issuance, distribution and transfer of electronic bills. .

In addition, an electronic wallet is provided in the closed electronic bill transaction system 2 to store electronic bill data for each subscriber in association with the subscriber information area 4, and an electronic wallet management area for managing the electronic wallet. (10) interlocks with the electronic bill management area 8 to store and manage electronic bills according to the storage of electronic bills issued for each subscriber and changes due to the transfer thereof.

On the other hand, the closed electronic bill transaction system (2) manages the payment date and the amount of payment of the electronic bill stored in the electronic wallet of each subscriber in the order of the payment date priority, and notify the corresponding subscriber when the payment date has arrived. And provides the electronic signature information to request the payment of the subscriber to the financial company (18).

Accordingly, the financial company 18 determines whether the subscriber is an authenticated subscriber based on the electronic signature information, and pays the payment.

2 is a block diagram showing the configuration of a closed electronic bill trading system using a data communication network according to an embodiment of the present invention.

Referring to this, the closed electronic bill trading system using the data communication network according to the present invention performs the request for issuing the electronic bill, and displays the screen output for the issued electronic bill and the electronic bill information charged in the electronic wallet given to each subscriber. A communication module such as a modem is provided therein for outputting, at least one paper issuer terminal A1 to An provided with a web browser, and a supplier terminal B1 to Bn of a supplier providing specific goods and services; Provided are the assignee terminals C1 to Cn of the assignees who have transferred the electronic bill.

In addition, the financial company 18 is provided with a financial server in order to perform a wire transfer in accordance with the authorized payment request signal for the electronic bill of the subscriber's authentication and payment date expired in connection with a plurality of financial servers (BS1 ~ BSn) (BS) is provided.

On the other hand, the electronic bill issuance and distribution signals are received from the paper issuer terminals A1 to An, the supplier terminals B1 to Bn, and the transferee terminal C1 to Cn, and an electronic wallet of each subscriber is formed. A closed electronic bill transaction server (EBDS) is provided that manages electronic bill issuance and distribution and automatically issues a payment request signal to the financial server BS in the case of a bill whose expiration date has expired.

Figure 3 is a block diagram showing the configuration of a closed electronic bill transaction server using a data communication network according to an embodiment of the present invention.

Referring to this, the closed electronic bill transaction server (EBDS) is a communication module, subscriber information manager, electronic signature generator, electronic bill generator, electronic wallet manager, electronic bill manager, subscriber authentication, subscriber information DB therein It consists of electronic signature DB, electronic bill information DB, subscriber-specific electronic wallet DB, financial institution DB, and control unit.

More specifically, reference numeral 22 receives electronic bill issuance and distribution data from the terminal of the subscriber (paper issuer, supplier, assignee), and the credit server for the financial server (BS) and the payment for a specific electronic bill. Represents a communication module for transmitting a request signal.

In addition, reference numeral 24 denotes a subscriber information management unit for storing and updating subscriber information, and reference numeral 26 denotes an electronic signature generator for generating authentication keys for respective electronic bills issued, distributed, and transferred to each electronic bill. Indicates.

On the other hand, reference numeral 28 denotes an electronic bill generating unit for generating an electronic bill having a certain payment date and amount according to the request of the note issuer, and reference numeral 30 denotes an electronic wallet manager for storing the electronic bill for each owner.

Also, reference numeral 32 denotes an electronic bill management unit for managing the issuance, distribution, and transfer of electronic bills stored in the electronic wallet, and reference numeral 34 is linked to an authentication key generated by the previous signature generation unit 26. A subscriber authentication unit that performs subscriber authentication is shown.

On the other hand, reference numeral 36a denotes a subscriber information DB for storing personal information of the subscriber, reference numeral 36b denotes an electronic signature DB for storing an authentication key generated for each electronic bill, and reference numeral 36c denotes the issue and Represents an electronic bill information DB that stores distribution information.

In addition, reference numeral 36d denotes an electronic wallet DB for each subscriber for storing electronic wallet information filled with electronic bills issued or in circulation for each subscriber, and reference numeral 36e denotes a financial institution DB storing information on each linked financial institution. .

Also, reference numeral 38 issues electronic bills in exchange for goods or services provided by the supplier upon the subscriber's request, manages the distribution of the electronic bills, and automatically recognizes the subscribers when the payment date arrives. In addition, it shows a control unit that performs overall control to request the payment to the financial server (BS).

In addition, when the issuance period of the electronic bill has elapsed by a predetermined time according to the subscriber's selection option, the control unit 38 may also provide a service to notify the subscriber that the corresponding setting time has been reached.

In addition, the control unit 38 is connected to the financial server (BS) by posting the electronic bill discount information for a plurality of companies for each financial company, so that subscribers access to the closed electronic bill transaction server (EBDS) Thus, even before the expiration date of the bill, the most favorable financial company can be selected to transfer the electronic bill.

4 is a diagram illustrating an example of an electronic bill distributed in a closed electronic bill trading system using a data communication network according to an embodiment of the present invention.

Referring to this, one of the features of the closed electronic bill trading system using the data communication network according to the present invention is that it is possible to immediately check the distribution process of the issued electronic bill, which is an electronic bill issued and distributed through the present invention. Since the authentication key is generated for each subscriber in the issuance and transfer of the electronic bill, the distribution process can be immediately confirmed by confirming the corresponding authentication key.

Therefore, FIG. 4 shows an example of a data arrangement form of electronic bills. One electronic bill 40 has electronic bill information (eg, payment date and amount; 42a) therein, and at the bottom thereof. The electronic signature 42b of the issuer, the electronic signature 42c of the commodity supplier provided with the electronic bill from the issuer, and the first to Nth assignee digital signatures 42d, 42e, and 42f.

With reference to the accompanying drawings, the function and operation of the closed electronic bill trading system using a data communication network according to an embodiment of the present invention having the above configuration will be described in detail.

5 is a flowchart illustrating a signal flow of a closed electronic bill trading system using a data communication network according to an embodiment of the present invention.

First, the supplier provides the goods or services to a specific person or company (step 1: ST-1).

Then, a specific person or company connects to the closed electronic bill transaction server (EBDS) and requests issuance of electronic bills (second step: ST-2), and the closed electronic bill transaction server (EBDS) requests the electronic bill. After checking the issuer's credit status and certification, an electronic bill is issued (step 3: ST-3).

At this time, the issuer of the electronic bill provides information of the goods / service provider to be provided with the electronic bill, so that the electronic bill is provided in the closed electronic bill transaction server (EBDS). Each electronic wallet of the product / service provider is generated, and upon receipt of the electronic bill, the electronic bill is transferred from each electronic wallet.

That is, when the electronic bill issuer provides the electronic bill to the goods / service provider (step 4: ST-4), the electronic bill is registered in the electronic wallet of the supplier (step 5: ST-5).

In addition, the closed electronic bill transaction server (EBDS) determines whether the supplier is authorized to request a request to transfer the electronic bill (step 6: ST-6), so that the supplier In this case, the assignee's authentication key is generated as an electronic signature (step 7: ST-7).

Then, the electronic bill is registered in the assignee's electronic wallet (step 8: ST-8).

Meanwhile, the closed electronic bill transaction server (EBDS) determines whether the assignee who has transferred the electronic bill intends to redeploy the electronic bill to another third party (step 9: ST-9), If present, the process returns to the process of generating an authentication key of the assignee to be transferred the electronic bill again.

If the assignee does not intend to reassign, the closed electronic bill transaction server (EBDS) determines whether the payment expiration date of the electronic bill has arrived (step 10: ST-10), and the payment expiration date arrives. If so, the payment should be made to the owner of the electronic bill to the specific financial institution with the electronic bill payment obligation (step 11: ST-11).

In addition, the closed electronic bill transaction server (EBDS) may determine that the set time has arrived by determining if the electronic bill issuing period has elapsed by a predetermined time according to the subscriber's selection.

In addition, the closed electronic bill transaction server (EBDS) is linked to the financial server (BS) by posting the electronic bill discount information for a number of companies for each financial company, by the subscriber, the closed electronic bill transaction server (EBDS) allows you to transfer electronic bills by selecting the most favorable financial institution even before the expiration date.

6 is a flowchart illustrating a signal flow of a closed electronic bill trading system using a data communication network according to another embodiment of the present invention.

First, the supplier provides goods or services to a specific person or company (step 20: ST-20).

Then, a specific person or a company connects to the closed electronic bill transaction server (EBDS) and requests for issuance of an electronic bill (step 21: ST-21), and at the same time, the electronic bill according to the issuer or the issuer of the issuer. It is possible to limit the range of assignees that can be transferred (Step 22: ST-22).

The closed electronic bill transaction server (EBDS) issues an electronic bill after inquiring the credit status and authentication of the electronic bill issuer (step 23: ST-23).

When the electronic bill issuer provides the electronic bill to the product / service provider, the electronic bill is registered in the electronic wallet of the supplier (step 24: ST-24).

In addition, the closed electronic bill transaction server (EBDS) determines whether the supplier is authorized to request a request to transfer the electronic bill (step 25: ST-25), the supplier to try to hand over the bill In this case, the assignee's information is input (step 26: ST-26).

Then, the closed electronic bill transaction server (EBDS) compares and judges whether the electronic bill issuer meets the conditions of the registered transferee (step 27: ST-27), and if the transferee conditions are appropriate, authentication of the assignee. A key is generated as an electronic signature (Step 28: ST-28).

Then, the electronic bill is registered in the electronic wallet of the assignee (step 29: ST-29).

Meanwhile, the closed electronic bill transaction server (EBDS) determines whether the assignee who has transferred the electronic bill intends to redeploy the electronic bill to another third party (step 30: ST-30), If present, the process returns to the process of generating an authentication key of the assignee to be transferred the electronic bill again.

If the assignee is not willing to reassign, the closed electronic bill transaction server (EBDS) determines whether the payment expiration date of the electronic bill has arrived (Step 31: ST-31), and the payment expiration date has arrived. In this case, the payment is made to the owner of the electronic bill to the specific financial institution having the obligation to pay the electronic bill (Step 32: ST-32).

On the other hand, the closed electronic bill trading system and method using a data communication network according to an embodiment of the present invention is not limited only to the above-described embodiment, various modifications are possible within the scope not departing from the technical gist.

As described above, the closed electronic bill trading system and method using the data communication network according to the present invention, the cyber bill between the buyer and the goods / service provider is issued and managed, the supplier can transfer the cyber bill to a third party In order to manage the issuance, distribution, and account settlement of cyber bills in general, it is possible to confirm and analyze a large number of assignees' information on a specific bill in real time. In addition, by setting a range of assignees who can receive the electronic bills in advance, the issuer of the paper issuer can prevent the occurrence of stagnant bills and prevent the decline of corporate trust due to the distribution of the bills. In addition, even if the subscriber does not check the expiration period of the electronic bill every time, each electronic bill is managed in the order of expiration period, so that the subscriber is separately notified when the expiration period arrives, so the convenience of use is high.

Claims (8)

Issuing a request for issuing electronic bills, a communication module such as a modem is provided therein for outputting the screen output of the issued electronic bills and electronic bill information charged in the electronic wallet granted to each subscriber, and a web browser is provided. A subscriber station comprising at least one bill issuer terminal, a provider terminal of a supplier providing a specific product and a service, and an assignee terminal of an assignee of an electronic bill; A financial server provided with a financial company in connection with a plurality of financial servers to perform an account transfer in accordance with an authorized payment request signal for an electronic bill whose authentication and payment date has expired; Electronic bill issuance and distribution signals are received from the bill issuer terminal, the supplier terminal, and the assignee terminal of the assignee, and an electronic wallet of each subscriber is formed to manage electronic bill issuance and distribution, and in case of a bill whose payment date has expired. A closed electronic bill trading system using a data communication network, characterized in that the closed electronic bill trading server configured to automatically issue a payment request signal to the financial server. The method of claim 1, wherein the closed electronic bill transaction server receives electronic bill issuance and distribution data from a terminal of the subscriber (paper issuer, supplier, assignee), and conducts a credit check of a specific subscriber and a specific electronic bill for a financial server. Communication module for transmitting a payment request signal for; A subscriber information management unit for storing and updating subscriber information; An electronic signature generation unit for generating authentication keys for respective electronic bills issued, distributed, and transferred for each electronic bill; An electronic bill generating unit for generating an electronic bill having a predetermined payment date and amount according to a demand of the paper issuer; An electronic wallet manager for storing the electronic bill for each owner; An electronic bill management unit for managing issuance, distribution, and transfer of electronic bills stored in the electronic wallet; A subscriber authentication unit for performing subscriber authentication in association with the authentication key generated in the previous signature generation unit; A subscriber information DB for storing personal information of the subscriber; An electronic signature DB for storing an authentication key generated for each electronic bill; An electronic bill information DB for storing issuance and distribution information of electronic bills; An electronic wallet DB for each subscriber for storing electronic wallet information filled with electronic bills issued or in circulation for each subscriber; A financial institution DB that stores information of each linked financial institution; In accordance with the subscriber's request, electronic bills are issued in exchange for goods or services provided by the supplier, and the distribution of the electronic bills is managed, and the payment is automatically recognized to the subscriber when the payment date arrives. Closed electronic bill trading system using a data communication network, characterized in that consisting of a control unit for performing an overall control request. In the transaction method of the closed electronic bill trading system to issue electronic bills on the web, and to distribute the issued electronic bills through transfer, Providing a product or service by a supplier to a specific person or company; Requesting issuance of an electronic bill by accessing a closed electronic bill transaction server; Issuing an electronic bill after the closed electronic bill transaction server inquires the credit status and authentication of the electronic bill issuer; The issuer of the electronic bill provides the information of the goods / services provider to be provided with the electronic bill; Providing the electronic bill by the publisher of the electronic bill to the goods / service provider; Registering the electronic bill in the electronic wallet of the supplier; Determining, by the provider, whether a request signal for transferring the electronic bill is authorized; If the supplier intends to transfer the bill, generating the assignee's authentication key as an electronic signature; Registering the electronic bill in the electronic wallet of the assignee; Determining whether the assignee who has transferred the electronic bill intends to reassign the electronic bill to another third party; If the assignee has no intention of reassignment, determining whether the expiration date of the electronic bill has been reached; When the payment expiration date has arrived, a closed electronic bill trading method using a data communication network comprising the step of making a payment request to a specific financial institution having an electronic bill payment obligation. 4. The method of claim 3, further comprising: receiving electronic bills by inputting information from the electronic bill issuer and the product / service provider in order to receive the electronic bill from the publisher and the issuer of the electronic bill; Closed electronic bill trading method using a data communication network characterized in that it further comprises the step of issuing the electronic bill and the electronic bill is transferred from each electronic wallet. The method of claim 3, wherein if the issuance period of the electronic bill has elapsed by a predetermined time according to the subscriber's choice, the electronic device can notify the subscriber that the corresponding setting time has been reached. Billing method. 4. The method of claim 3, wherein the electronic bill discount information for a plurality of companies is posted for each financial company so as to be read for each financial company in association with the financial server. 4. A method according to claim 3, wherein the range of assignees who can receive the electronic bill at the request of the issuer or the issuing company can be limited. 8. The method of claim 7, wherein when the range of assignees is limited, when the electronic bill assignee inputs the assignee information, the server further determines whether the server is within the range of the registered assignee based on the information. Closed electronic bill trading method using data communication network.