KR20170086289A - Method for paying a payment amount of a bill - Google Patents

Abstract

An application that performs a method of paying a payment amount of a bill for the user using an application and a server running on a user terminal extracts a recipient name and a recipient address described in the bill, And the extracted recipient address to the server. The server may provide the application with the electronic bills specified by the extracted recipient name and the extracted recipient address and the payment means of the electronic bills. The application can perform payment for the payment amount included in the selected electronic bill using the electronic bill selected from the electronic bill and the payment means mapped to the selected bill.

Description

METHOD FOR PAYMENT A PAYMENT AMOUNT OF A BILL

In particular, embodiments of the present invention relate to a method for paying a payment amount of a bill, and more particularly, to a method of paying a payment amount of the bill of a user corresponding to a recipient of the bill using an application and a server, The method comprising the steps of:

A bill can be a variety of names, such as a car tax bill, a water bill, a resident tax bill, a local tax bill, or an electrical bill bill, which is a document that pays a certain amount to a natural person, corporation, .

Currently, the method of payment of the payment amount of the bills is as follows: a method of payment by accessing the Internet site, a method of paying using an automatic machine (CD (Cash Dispenser) / ATM (Automated Teller Machine)), Method, method of paying using ARS (Audio Response System), or method of paying directly to a financial institution.

In recent years, as mobile payment devices have grown rapidly, the mobile payment devices have quickly replaced existing payment methods. Especially, the mobile easy payment market is newly emerging which reduces the complicated payment step and improves user convenience.

If you enter your card information once, you can easily make payment by simple authentication using ID and password or mobile phone number and SMS (short message service) without entering card information or authorization certificate Service.

1. Published Patent Application No. 10-2012-0020701 (March 23, 2012) 2. Published Japanese Patent Application No. 10-2015-0013099 (Feb.

The present invention has been made in view of the above problems, and it is an object of the present invention to provide a method and system for sorting electronic bills by a person using a server and connecting to the server by using an application executed in a terminal of the user, To the application and securely paying the payment amount charged to the user by using the application.

According to an embodiment of the present invention, there is provided a method of paying a payment amount of a bill to a user using an application and a server executed in a terminal of a user, The application extracting a recipient name and a recipient address from the bills image and transmitting the extracted recipient name and the extracted recipient address to the server; Read the electronic bill of exchange and payment means for the user from a database accessible by the server using the received recipient address and send the electronic bill and payment means to the terminal, Receipt of bills and said payment means Wherein the application displays the electronic bill on the display device of the terminal; and if the first electronic bill is selected by the user from among the electronic bill displayed on the display device, Displaying the first payment means mapped to the first electronic bill among the payment means and the name of the electronic bill, the payment amount included in the first electronic bill, and inputting the first authentication information to the display device, When the application receives the first authentication information, the application sends the name of the first electronic bill, the payment amount, the first payment means, and the first authentication information to the server .

The electronic bills are non-payment electronic bills, and each of the electronic bills is mapped on a one-to-one basis with each of the payment means. At least two of the electronic bills are mapped to one of the payment means.

According to embodiments, the step of displaying the electronic bills on the display device of the terminal comprises the steps of: the application extracting payment terms included in each of the electronic bills; To the display device of the terminal.

According to embodiments, the step of displaying the electronic bills on the display device of the terminal comprises the steps of: the application extracting payment terms included in each of the electronic bills; and if the application has been extracted for each of the electronic bills Comparing the current payment date with the current payment date and displaying a new payment amount on the display device including the delayed interest for the second electronic bill when the billing period of the second electronic bill has expired from the electronic bill according to the comparison result .

Wherein the server receives the name of the first electronic bill, the payment amount, the first payment means, and the first authentication information, and the first authentication information and the second authentication information are transmitted to the server, Comparing the second authentication information stored in the database with each other; and when the first authentication information and the second authentication information coincide with each other, the server transmits the name of the first electronic bill, 1) transmitting the payment information including the payment means to the payment server communicating with the server. The first authentication information may be a password or biometric information.

According to an embodiment of the present invention, there is provided a method of paying a payment amount of a bill to a user using an application and a server executed in a terminal of a user, The application extracting a recipient name and a recipient address from the bills image and transmitting the extracted recipient name and the extracted recipient address to the server; Retrieving a list of electronic bills containing electronic bills for the user from a database accessible by the server using the received recipient addresses and sending the electronic bill list to the terminal, ; Receiving phase The method comprising: displaying an electronic bill contained in the electronic bill list on a display device of the terminal; and when a first electronic bill among the electronic bill displayed on the display device is selected by the user, Transmitting, to the server, selection information indicating that the first electronic bill is selected; and transmitting, by the server, the first electronic bill corresponding to the selection information and the first electronic bill corresponding to the selection information, The method comprising: receiving, by the application, the first electronic bill and the first payment means when the first payment means for the bill is transmitted to the terminal; and if the application receives the name of the first electronic bill, , And the first payment Displaying an item on the display device and requesting the user to input first authentication information; and when the application receives the first authentication information, the application displays the name of the first electronic bill, The first payment means, and the first authentication information to the server.

A method for paying a payment amount of a bill to a user using an application and a server executed in a terminal of a user according to an embodiment of the present invention is characterized in that when a billing image for the bill is generated by a camera of the terminal, Extracting a recipient name and a recipient address from the bills image, and transmitting the extracted recipient name and the extracted recipient address to the server; and receiving, by the server, Reading the electronic bill and payment means for the user from a database accessible by the server using the recipient address and sending the electronic bill and payment means to the terminal, And the payment means The application displaying the electronic bills on a display device of the terminal; and if a first electronic bill of the electronic bills displayed on the display device is selected by the user, When the first payment means is selected by the user, the application displays the name of the first electronic bill, the amount of payment included in the first electronic bill, Displaying the first payment means on the display device and requesting the user to input first authentication information; and when the application receives the first authentication information, the application notifies the user of the first electronic bill, The payment amount, the first payment number And transmitting the first authentication information to the server.

A method for paying a payment amount of a bill according to embodiments of the present invention is a method of easily paying the payment amount of the bill imposed on the user corresponding to a person who receives the bill using an application and a server There is an effect that can be.

A method for paying a payment amount of a bill according to embodiments of the present invention includes integrating the electronic bill charged to a user corresponding to a person who receives the bill by a payment deadline, Information can be easily provided.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In order to more fully understand the drawings recited in the detailed description of the present invention, a detailed description of each drawing is provided.
FIG. 1 is a block diagram illustrating a bill payment system for bill payment according to embodiments of the present invention.
Fig. 2 shows an embodiment of electronic bill information stored in the electronic bill bill information database shown in Fig.
FIG. 3 shows a data flow for explaining an operation method of the bill payment system according to the present invention shown in FIG.
Fig. 4 shows an embodiment of electronic bills displayed on the display device of the user's terminal shown in Fig.
FIG. 5 shows another embodiment of the electronic bills displayed on the display device of the user's terminal shown in FIG.
6 shows detailed information of the electronic bill displayed on the user's terminal shown in Fig. 1 when one of the electronic bill of bills shown in Fig. 4 or Fig. 5 is selected.
FIG. 7 shows a data flow for explaining an operation method of the bill payment system according to the present invention shown in FIG.
8 shows a list of electronic bills displayed on the user's terminal according to the operating method shown in FIG.
FIG. 9 shows a data flow for explaining an operation method of the bill payment system shown in FIG.
FIG. 10 shows payment means displayed on the user's terminal according to the operation method shown in FIG.
FIG. 11 shows detailed information of an electronic bill displayed on the terminal of the user shown in FIG. 1 when one electronic bill is selected from among the electronic bill, and one of the billing means is selected.

It is to be understood that the specific structural or functional descriptions of embodiments of the present invention disclosed herein are only for the purpose of illustrating embodiments of the inventive concept, But may be embodied in many different forms and is not limited to the embodiments set forth herein.

Embodiments in accordance with the concepts of the present invention are capable of various modifications and may take various forms, so that the embodiments are illustrated in the drawings and described in detail herein. It should be understood, however, that it is not intended to limit the embodiments according to the concepts of the present invention to the particular forms disclosed, but includes all modifications, equivalents, or alternatives falling within the spirit and scope of the invention.

The terms first, second, or the like may be used to describe various elements, but the elements should not be limited by the terms. The terms are intended to distinguish one element from another, for example, without departing from the scope of the invention in accordance with the concepts of the present invention, the first element may be termed the second element, The second component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between. Other expressions that describe the relationship between components, such as "between" and "between" or "neighboring to" and "directly adjacent to" should be interpreted as well.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, the terms "comprises ", or" having ", and the like, specify that the presence of stated features, integers, , Steps, operations, components, parts, or combinations thereof, as a matter of principle.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the meaning of the context in the relevant art and, unless explicitly defined herein, are to be interpreted as ideal or overly formal Do not.

In this specification, a database (DB) may mean a functional and / or structural combination of hardware and software that stores information in each DB. The DB may be implemented as at least one table. The DB may further include a separate device for storing, searching, and / or managing stored information, for example, a database management system (DBMS). The DB may be implemented in various ways such as a linked-list, a tree, or a relational DB, and the DB may include all data storage media and / or data Structure.

In this specification, a bill is a document that a certain amount is imposed by a state, a public institution, or a corporation (or an institution), and various names such as an automobile tax bill, a water and sewerage bill, a residence tax bill, a local tax bill, . Thus, in this specification, the bill includes all bills in paper form that impose a fixed amount on the recipient. In this specification, the electronic bill may mean an image file or the like including the contents of the bill.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings.

FIG. 1 is a block diagram illustrating a bill payment system for bill payment according to embodiments of the present invention. 1, the bill payment system 10 includes a user terminal 100, a network 200, a server 300, an electronic bill information database 400, And a payment server 500. The bill payment system 10 may further include various servers 510, 520, 530, and 540.

Each of the terminal 100 and the payment server 500 can perform data communication with the server 300 through the network 200. For example, the network 200 may be implemented as a wired network, a wireless network, or a wired / wireless hybrid network.

The terminal 100 includes an application (APP) 110, and a camera 120. The APP 110 can be executed by a central processing unit (CPU) included in the terminal 100. According to embodiments, the terminal 100 may be a personal computer (PC), a smart phone, a personal digital assistant (PDA), an enterprise digital assistant (EDA), a mobile internet device (IOT) device or an internet of everything (IOE) device.

The APP 110 installed in the terminal 100 can be downloaded from the app store to the memory device of the terminal 100 via the wired network or wireless network and can be executed by the CPU of the terminal 100. [ The APP 110 is referred to as a web application or a web app, and the web application or the web application refers to application software that can be used in a web browser over the Internet or an intranet.

The APP 110 may provide the user with an interface to enter a name, address, billing information (e.g., information identifying the bill), payment means, and authentication information. For example, when the payment means is a bank, the payment means may include a bank, a bank account number, and a password. For example, when the payment means is a credit card, the payment means may include a credit card company, a credit card number, an expiration date, a card verification value (CVV) number, and a password. For example, the authentication information may be authentication information for the payment means and authentication information for identifying the user of the terminal 100. [

When the user clicks or touches the registration 111, the name, address, billing information, payment means, and authentication information input by the user are transmitted to the server 300 through the network 200, May store the name, the address, the billing information, the payment means, and the authentication information in the electronic billing information DB 400.

Referring to FIG. 2, the server 300 generates a cryptographic key using 'name' and 'address', and generates an 'electronic bill statement name' (for example, information about the electronic bill) And 'authentication information', and store the encrypted information in the electronic bill information database 400. [ Therefore, the name of the electronic bill, the payment means, and the authentication information can be safely stored in the electronic bills information DB 400 using the encryption key.

The server 300 generates a decryption key using the extracted recipient name and the extracted recipient address transmitted in the respective steps S125, S225 and S325, and outputs the decryption key from the electronic bill information database 400 Decrypt the transmitted encrypted electronic bill of lading name and encrypted payment means using the decryption key and transmit the decrypted information to the terminal 100 through the network 200. [

The camera 120 herein may be a camera, a two-dimensional or three-dimensional barcode reader, an optical character reader (OCR), or an RFID reader, a near field communication , And a device capable of reading user information (e.g., recipient name and recipient address, etc.) described in a bill (for example, a bill printed on paper). As mentioned above, a bill means a document that a certain amount of money is imposed by a government, a public agency, or a corporation. The bill includes a tax bill, a fines bill, an electricity bill, a telephone bill, a credit card bill, It can be called various names.

For example, the camera 120 may generate a billing image for billing and send the billing image to the CPU or memory device under the control of the CPU of the terminal 100 or the APP 110. [ The camera 120 may be implemented as a charge coupled device (CCD) camera or a complementary metal-oxide semiconductor (CMOS) camera, and may acquire a two-dimensional image or a three-dimensional image.

For example, when a one-dimensional, two-dimensional, or three-dimensional barcode printed on a bill is printed or affixed, the APP 110 determines whether the one-, two-, or three- Or extract the recipient name and recipient address from the 3D barcode.

The bill payment system 10 uses the APP 110 and the server 300 that are executed in the terminal 100 to calculate the amount of the bills charged to the user of the terminal 100 (e.g., the person who receives the bill) (For example, payment amount) can be electronically settled.

Fig. 2 shows an embodiment of electronic bill information stored in the electronic bill bill information database shown in Fig. Referring to FIGS. 1 and 2, an electronic billing information database 400 includes a plurality of fields for managing electronic billing information, and each of the plurality of fields includes a name, an address, But is not limited to, the name of the electronic bill, payment amount, payment due date, payment method, and authentication information. In this specification, the name of the electronic bill may mean information that can identify each electronic bill (EB1, EB2, EB3, or EM4) or may include the information.

For example, the electronic bills information database 400 may store electronic bills EB1 through EB4 that contain the same or similar contents as those described in the bills of paper or printed form.

The name of the electronic bill, the payment amount, and the due date of payment shown in FIG. 2 may be the same as the contents of the bill corresponding to the name and address (or specified by the name and the address), and the payment means and the authentication information And may be payment means and authentication information for each electronic bill EB1 to EB4.

For example, the electronic billing statements EB1 to EB4 may be unpaid electronic billing forms, and each of the payout electronic billing forms EB1 to EB4 may be mapped to each of the payment means PM1 to PM4 on a one-to-one basis. The payment means may include information identifying a means of paying the payment amount, such as a bank account number, a credit card number, or a check card number, but it is possible to pay each payment amount listed in each electronic bill (EB1 to EB4) It can mean various types of payment numbers.

The authentication information may be a password that can uniquely identify the user of the terminal 100, or biometric information, but is not limited thereto. The biometric information may include a fingerprint, an iris, a vein, a face, a voice, a handwriting, or a gait.

The server 300 may access and manage the electronic billing information database 400 that includes the electronic billing information illustrated by way of example in FIG. 2 for the user.

The user who receives the B notice, the C notice, the A notice, and the D notice by mail can register the user information and the bill information in the server 300 using the APP 110 executed in the terminal 100. For example, the APP 110 transmits user information including the name of the user (e.g., Hong Gil-Dong) and the address of the user (e.g., " 300). The server 300 may store the user information in an electronic bill information database 400.

The user who has received the B notice inputs the information on the B notice (for example, the information for identifying the B notice) using the APP 110 executed in the terminal 100, The APP 110 connected to the server 300 through the log-in sets the account number PM1 of the bank B and the account information W of the bank B PM1 and authentication information W to the server 300 via the network 200. [ The server 300 may store the information on the bill B, the account number PM1 of the bank B, and the authentication information W in the electronic bill information database 400 storing the user information.

The user who receives the C bill inserts information on the C bill (for example, information that can identify the C bill) using the APP 110 executed in the terminal 100, The APP 110 connected to the server 300 via the login sets the account number PM2 of the C bank and the account number X of the C bank PM2 and authentication information X to the server 300 via the network 200. [ The server 300 may store the C bill information, the C bank account number PM2, and the authentication information X in the electronic bill information database 400 storing the user information.

A user who has received the A notice inputs the information on the A notice (e.g., information capable of identifying the A notice) using the APP 110 executed in the terminal 100, The APP 110 connected to the server 300 through the log-in sets the information on the A bill, the card number of the A card company (PM3 ), And authentication information (Y) to the server (300) through the network (200). The server 300 may store the information on the A bill, the card number of the A card company (PM3), and the authentication information (Y) in the electronic bill information information database 400 storing the user information.

The user who receives the D bill inputs the information on the D bill (for example, information that can identify the D bill) using the APP 110 executed in the terminal 100, The APP 110 connected to the server 300 via the log-in sets the card number (PM4) of the D card company and sets the authentication information (Z) PM4 and authentication information Z to the server 300 via the network 200. [ The server 300 may store the information on the D bill, the card number PM4 of the D card company, and the authentication information Z in the electronic bill information information database 400 storing the user information.

Thereafter, the server 300 receives the B notice from the server 510 of the B organization that issues the B notice, the server 520 of the C organization that issues the C notice, the server 530 of the A organization that issues the A notice, (E.g., the name of the recipient and the address of the recipient) to the server 540 of the D institution that issues the electronic bill to the server 300. [

Therefore, the server 510 of the B organization, the server 520 of the C organization, the server 530 of the A organization, and the server 540 of the D organization respectively receive the B electronic bill EB1, C The C electronic bill (EB2) corresponding to the bill, the A electronic bill (EB3) corresponding to the A bill, and the D bill (EB4) corresponding to the D bill can be transmitted to the server 300 at a predetermined time or on a predetermined date have.

When the user of the terminal 100 registers the billing information for each of the bills charged to him by using the APP 110 in the server 300, the server 300 transmits the billing information 520, 530, and 540 of each of the agencies that generate each of the bills. Thus, each of the organs can send each of the bills to the user by mail, and the server of each of the organs can send an electronic bill corresponding to each of the bills to the server 300. Accordingly, the server 300 can store various electronic bill corresponding to various bills in the electronic bills information DB 400 based on the name of the registered recipient and the address of the recipient, and manage them integrally.

For example, the B electronic bill EB1 is transmitted from the server 510 of the B institution which monthly bill B is issued to the user (for example, "Hong Kil-dong" 300, the server 300 may up-date the payment amount of the B electronic bill EB1 stored in the electronic bills information DB 400 and the payment due date every month. Also. A C, A, or D bill is sent to the C institution, A institution, or a server of the D institution that generates monthly bill (C bill, D bill, etc.) to a user (for example, "Hong Gil-dong" When the server 300 receives the C electronic bill EB2, the A electronic bill EB3 or the D bill EB4 from the electronic bill information DB 400, 520, 530, or 540, Date of the payment of the C electronic bill (EB2), the electronic bill (EB3), or the electronic bill (EB4) stored in the electronic bill (EB4) and the payment deadline.

Each electronic bill (EB1 to EB4) stored in the 'electronic bill name' field of FIG. 2 may include all or some of the contents held or included in each bill.

FIG. 3 shows a data flow for explaining an operation method of the bill payment system according to the present invention shown in FIG. 1 to 3, when a user photographs a printed bill 101 using the camera 120 of the terminal 100, the camera 120 can generate a billing image for the bill S110).

The APP 110 installed in the terminal 100 can be automatically executed when the billing image is generated (S115). For example, the APP 110 determines whether the image generated by the camera 120 is a bills image, and when the generated image is the bills image, a 'recipient name' and a 'recipient address' (S120). For example, the APP 110 may recognize a "bill" or "bill" from the image and determine whether the image is a billing image based on the recognition result. In accordance with embodiments, the APP 110 may be executed prior to taking a bill using the camera 120. That is, the step S115 may be performed before the step S110.

The extracted recipient name may be the name of the recipient of the bill 101 and the extracted recipient address may be the address of the recipient of the bill 101. The APP 110 may transmit the extracted recipient name and the extracted recipient address to the server 300 through the network 200 (S125).

The network 200 may include a wireless local area network (WLAN) such as Wi-Fi (wireless fidelity), a wireless personal area network (WPAN) such as bluetooth, a wireless universal serial but is not limited to, a mobile communication network, such as a mobile communication network, such as a mobile communication network, a wireless communication network, a bus, a Zigbee, a near field communication (NFC), a radio- 3rd generation) mobile networks, 4G (4th generation) mobile communication network, ^TM LTE (Long term evolution) mobile communication network or a LTE-Advanced (LTE-a), but may comprise a mobile communication network, but is not limited to such.

The server 300 can generate a decryption key using the extracted recipient name and the extracted recipient address transmitted from the terminal 100. [ The server 300 receives an electronic bill for the user (for example, the extracted recipient name and the user corresponding to the extracted recipient address (e.g., Hong Kil-Dong)) from the electronic bill notification information database 400 accessible by the server 300 The payment means PM1 to PM4 for the electronic billing statements EB1 to EB4 and the electronic billing statements EB1 to EB4 are retrieved and read in S130.

As described above, the electronic bill book (EB1 to EB4) and the payment means (PM1 to PM4) stored by the server 300 in the electronic bills information database 400 are information encrypted with 'name' and 'address' to be.

The server 300 decrypts the electronic billing statements EB1 to EB4 and the settlement means PM1 to PM4 using the decryption key and decrypts the decrypted electronic billing statements EB1 to EB4 and decrypted payment means PM1 To PM4 via the network 200 to the terminal 100 (S135).

When the extracted recipient name and the 'name' stored in the electronic billing information database 400 are the same and the extracted recipient address and the 'address' stored in the electronic billing information database 400 are the same, the encryption key and decryption key are The server 300 can decrypt the encrypted electronic billing statements EB1 to EB4 and the encrypted payment means PM1 to PM4 using the decryption key.

In this specification, an electronic bill statement name, payment means, and authentication information stored (or stored) in the electronic bill notification information database 400 means information encrypted by the name and address of the user of the terminal 100, and the server 300 To the terminal 100 means the information decrypted by the extracted recipient name and the extracted recipient address.

The information stored in the electronic bill notification information database 400 or information to be stored by the server 300 can be specified and encrypted based on the 'name' and the 'address'. The information read from the electronic bill book information database 400 by the server 300 is specified based on the extracted recipient name (name in some cases) and extracted recipient address (in some cases, address) Lt; / RTI >

Although FIGS. 2 and 3 illustrate an embodiment in which each electronic bill EB1 to EB4 is mapped to one-to-one with each of the billing means PM1 to PM4, two or more electronic bills may be assigned to one billing means Lt; / RTI >

FIG. 4 shows an embodiment of electronic bills displayed on the display device of the user's terminal shown in FIG. 1, and FIG. 5 shows another embodiment of the electronic bills displayed on the display device of the user's terminal shown in FIG. 1 .

1 to 4, the APP 110 receives the electronic billing statements EB1 to EB4 received from the server 300 through the network 200 and transmits the received electronic billing statements EB1 to EB4 And displays the arranged electronic billing statements EB1 to EB4 on the display device 130 of the terminal 100 (S140). The received electronic billing statements EB1 to EB4 may be stored in the memory device of the terminal 100. [ For example, each electronic bill EB1 to EB4 may include a name, an address, an electronic bill, a payment amount, and a due date. According to the embodiment, each electronic bill EB1 to EB4 may further include authentication information (W, X, Y, and Z).

According to the embodiments, the APP 110 may extract a "due date" included in each of the electronic billing statements EB1 to EB4 stored in the memory device. The APP 110 arranges (or rearranges) the electronic bills EB1 through EB4 in a slow order from the earliest to the expiration date of payment (or due date), and arranges (or rearranges) electronic bills EB3, EB1, EB2, and EB4 on the display device 130 of the terminal 100 (S140).

5, the APP 110 may display the electronic billing statements EB3, EB1, EB2, and EB4 arranged in the order of the earliest due date on the display device 130 of the terminal 100 . The methods for displaying the electronic billing statements EB3, EB1, EB2, and EB4 on the display device 130 may be variously changed by the APP 110. [ For example, the user can set the payment amounts in the order of the smallest, the payment amounts in the large order, or in the order of late payment due date in the APP 110. Accordingly, the APP 110 can display the electronic billing statements EB1, EB2, EB2, and EB4 on the display device 130 in the order set by the user.

1 to 5, when the user of the terminal 100 selects the check box 141 to select any one of the electronic billing statements EB1 to EB4 displayed on the display device 130 Click (or select), and click (or select) the payment 145 (S145).

6 shows detailed information of the electronic bill displayed on the user's terminal shown in Fig. 1 when one of the electronic bill of bills shown in Fig. 4 or Fig. 5 is selected.

1 to 6, the APP 110 displays the name of the electronic bill of a selected electronic bill EB3 stored in the memory device, the payment amount (e.g., 10,000) included in the selected electronic bill EB3, , And the payment means PM3 (for example, the card number of the A card: XXXX-XXXX-XXXX-XXXX) mapped to the selected bill EB3 is displayed on the display device 130, (ID1) to the user of the terminal 100 (S150).

The user may input the first authentication information ID1 to the graphical user interface 146 displayed on the display device 130 and click (or select) the settlement 147. [ Although FIG. 6 shows "password" as an embodiment of the first authentication information (ID1), the first authentication information (ID1) can be replaced with the above-described biometric information.

1 to 6, when the APP 110 receives the first authentication information ID1 input from the user at step S155, the APP 110 transmits the name of the selected electronic bill EB3, , 10,000), the selected payment means (PM3, for example, the card number of the A card: XXXX-XXXX-XXXX-XXXX), and the first authentication information ID1 to the server 300 (S160). As described above, the name of the electronic bill EB3 may mean information that can identify the A bill, or may include the information.

The server 300 receives the name EB3 of the selected electronic bill, the payment amount, the selected payment means PM3 and the first authentication information ID1 and transmits the authentication information Y for the selected payment means PM3 From the electronic bill notification information database 400 as the second authentication information. The server 300 generates the decryption key using the extracted recipient name and the extracted recipient address so that the server 300 decrypts the authentication information Y using the decryption key, ID1) and the decrypted authentication information (Y) (S170).

When the first authentication information ID1 and the decrypted authentication information Y coincide with each other (YES in S170), the server 300 stores the name EB3 of the selected electronic bill, the payment amount, To the payment server 500 (S175). The payment server 500 can settle the payment amount using the payment information PI and transmit the payment result information to the server 300. [ The server 300 may store the payment result information in the electronic bill information DB 400. [ According to the embodiments, the payment server 500 may transmit the payment result information to at least one of the A server 530, the server 300, and the terminal 100.

However, when the first authentication information ID1 and the decrypted authentication information Y do not coincide with each other (NO in S170), the server 300 transmits error information indicating that an error occurs through the network 200 to the terminal 200 (S180). The APP 110 may display the error information through the display device 130. [

According to the embodiments, when the authentication information (W, X, Y, and Z) is stored in the secure memory device of the terminal 100, the APP 110 transmits the first authentication information ID1 The authentication information (Y) stored in the secure memory device may be compared and step 160 may be performed only when they match. In this case, step S170 may or may not be performed to enhance security.

FIG. 7 shows a data flow for explaining an operation method of the bill payment system shown in FIG. 1, and FIG. 8 shows an electronic bill list displayed on the user terminal according to the operation method shown in FIG.

Referring to FIGS. 1, 2, and 6 to 8, when a bill of a bill 101 is photographed by a camera 120 of a terminal 100, a bill bill image of the bill is generated (S210). When the billing image is generated, the APP 110 installed in the terminal 100 detects the generation of the billing image and can be automatically executed according to the detection result (S215).

According to embodiments, an application that generates a billing image and an APP 110 may be implemented as different applications, and the application and APP 110 may be implemented as a single application.

In accordance with embodiments, when the billing image is created by the application and the billing image is stored in a memory device of the terminal 100, the APP 110 determines whether the billing image is stored in the memory device (e.g., an image folder) And can be executed automatically. 3 and 7 illustrate that the APP 110 is executed after the bill statement image is generated according to the above-described premise. However, when the application 110 and the application that generates the bill bill image are implemented as one application, The APP 110 may generate a billing image corresponding to the photographed bill after the billing server 110 is executed by the CPU of the terminal 100 at the user's request. That is, the step S215 may be performed before the step S210.

The APP 110 may extract at least one of 'recipient name' and 'recipient address' from the bill image (S220). The APP 110 may transmit at least one of the extracted recipient name and the extracted recipient address to the server 300 through the network 200 (S225).

The server 300 generates a decryption key using the extracted recipient name and the extracted recipient address and generates a decryption key from the electronic bill information information database 400 accessible by the server 300 The electronic bill list (LIST) including the information about the electronic bill (EB1 to EB4) is decrypted using the decryption key, and the decrypted electronic bill list (LIST) The electronic bill list (LIST) including information on the electronic bill (EB1 to EB4) can be transmitted to the terminal 100 through the network 200 (S235).

As shown in FIG. 8, the APP 110 may display the electronic bill list (LIST = 140) on the display device 130 of the terminal 100 (S240). The APP 110 transmits information T1 to T4 included in the electronic billing statements EB1 to EB4 included in the electronic billing list (LIST = 140) to the display device 130 of the terminal 100 Can be displayed. The method of displaying the electronic bill (EB1 to EB4) on the display device 130 is the same as that described with reference to FIG. 4 and FIG. The information (T1 to T4) for each electronic bill (EB1 to EB4) may include, but is not limited to, the name of the electronic bill and the due date.

The user clicks (or selects) the check box 141-1 in order to select any one of the electronic bill list LIST displayed on the display device 130 (S245), and selects (148) It is possible to click (or select) (S245).

Referring to FIGS. 1, 2 and 7, the APP 110 may transmit the selection information T1I for the selected electronic bill EB3 to the server 300 through the network 200 (S250).

The server 300 receives the selection information T1I and transmits the electronic biller EB3 corresponding to the received selection information T1I and the payment means PM3 mapped to the electronic bill EB3 to the electronic bill information DB 400 ). ≪ / RTI >

The server 300 can transmit the electronic bill EB3 and the settlement means PM3 to the terminal 100 via the network 200 at step S260. The APP 110 displays the name of the electronic bill EB3 shown in Fig. 6, the payment amount (for example, 10,000) included in the electronic bill EB3 and the payment means PM3 on the display device 130 1 authentication information (ID1) to the user (S265).

The user may input the first authentication information ID1 on the screen displayed on the display device 130 and click or touch the settlement 145 shown in Fig.

When the APP 110 receives the first authentication information ID1 (S270), the APP 110 transmits the name of the electronic bill EB3, the payment amount, the payment means PM3, and the first authentication information ID1, To the server 300 through the network 200 (S275).

The server 300 receives the name of the electronic bill EB3, the amount of payment, the payment means PM3 and the first authentication information ID1 and transmits the authentication information Y for the payment means PM3 to the second And can be read from the electronic bill notification information DB 400 as the authentication information.

The server 300 generates the decryption key using the extracted recipient name and the extracted recipient address so that the server 300 decrypts the authentication information Y using the decryption key, ID1) and the decrypted authentication information (Y) (S280).

When the first authentication information ID1 and the decrypted authentication information Y coincide with each other (YES in S280), the server 300 transmits the name of the electronic bill EB3, the payment amount, and the payment means PM3 The payment information PI including the payment information can be transmitted to the payment server 500 (S285). The payment server 500 can settle the payment amount using the payment information PI and transmit the payment result information to the server 300. [ The server 300 may store the payment result information in the electronic bill information DB 400. [ According to the embodiments, the payment server 500 may transmit the payment result information to at least one of the A server 530, the server 300, and the terminal 100.

However, when the first authentication information ID1 and the decrypted authentication information Y do not coincide with each other (NO in S280), the server 300 transmits error information indicating that an error occurs through the network 200 to the terminal (S290). The APP 110 may display the error information through the display device 130. [

According to the embodiments, when the authentication information (W, X, Y, and Z) is stored in the secure memory device of the terminal 100, the APP 110 transmits the first authentication information ID1 Compare the authentication information (Y) stored in the secure memory device, and perform step 280 only when they match. In this case, step S280 may or may not be performed to enhance security.

FIG. 9 shows a data flow for explaining an operation method of the bill payment system shown in FIG. 1, FIG. 10 shows payment means displayed on the user terminal according to the operation method shown in FIG. 9, 1 shows detailed information of an electronic bill displayed on the terminal of the user shown in FIG. 1 when one electronic bill is selected from among the electronic bill, and one of the billing means is selected.

Referring to FIG. 1, FIG. 2, and FIG. 9 to FIG. 11, an image of a bill for the bill 101 is generated by the camera 120 of the terminal 100 (S310) 110) is executed (S315), the APP 110 can extract the recipient name and recipient address from the bill image (S320).

According to embodiments, an application that generates a billing image and an APP 110 may be implemented as different applications, and the application and APP 110 may be implemented as a single application.

In accordance with embodiments, when the billing image is created by the application and the billing image is stored in a memory device of the terminal 100, the APP 110 determines whether the billing image is stored in the memory device (e.g., an image folder) And can be executed automatically. 3, 7, and 9 illustrate that the APP 110 is executed after the bill statement image is generated according to the above-mentioned premise. However, the application generating the bill statement image and the APP 110 are implemented as one application The APP 110 may generate a billing image corresponding to the photographed bill after the APP 110 is executed by the CPU of the terminal 100 at the user's request. That is, the step S315 may be performed before the step S310.

The APP 110 may transmit the extracted recipient name and the extracted recipient address to the server 300 through the network 200 (S325).

The server 300 generates a decryption key by using the extracted recipient name and the extracted recipient address and generates a decryption key from the electronic bill information database 400 accessible by the server 300, The electronic bill of exchange EB1 to EB4 and the payment means PM1 to PM4 are retrieved and read in S330 and the electronic billing statements EB1 to EB4 and the payment means PM1 to PM4 are decrypted And decrypted electronic billing statements EB1 to EB4 and decrypted payment means PM1 to PM4 may be transmitted to the terminal 100 through the network 200 at step S335.

At this time, it is assumed that each of the payment means PM1 to PM4 is not mapped on a one-to-one basis with each of the electronic billing statements EB1 to EB4. Of course, even if the payment means PM3 and the A electronic bill EB3 are mapped, the user can change the payment means for the A electronic bill EB3 to the payment means PM1 using the APP 110. [

The APP 110 receives the electronic bills EB1 to EB4 and arranges the received electronic bills EB1 to EB4 as described with reference to Figs. 4 and 5, and arranges the electronic bills EB1 to EB4, EB4 may be displayed on the display device 130 of the terminal 100 (S340).

The user selects the check box 141 shown in FIG. 4 or 5 to select any one of the electronic notices EB1 to EB4 displayed on the display device 130 (EB3) (S345).

As shown in FIG. 10, the APP 110 may display the payment means PM1 to PM4 on the display device 130 (S350). The user can select the check box 141-2 and select the selection box 149 to select one PM1 from among the payment means PM1 to PM4 displayed on the display device 130 ).

The APP 110 displays the name of the electronic bill EB3, the payment amount, the payment date and the selected payment means PM1 on the display device 130 as shown in FIG. 11, The user may be requested to input (S360).

The user can input the first authentication information (ID1) on the screen displayed on the display device 130 and can select to make a payment (147). When the first authentication information ID1 is input, the APP 110 receives the first authentication information ID1 (S365), and the APP 110 transmits the name of the selected electronic bill EB3, the payment amount, (PM1), and the first authentication information (ID1) to the server 300 through the network 200 (S370).

The server 300 receives the name of the electronic bill EB3, the amount of payment, the payment means PM1 and the first authentication information ID1 and transmits the authentication information W for the payment means PM1 to the second And can be read from the electronic bill notification information DB 400 as the authentication information. The server 300 generates the decryption key based on the extracted recipient name and the extracted recipient address so that the server 300 decrypts the authentication information W using the decryption key, ID1) and the decrypted authentication information W (S380).

When the first authentication information ID1 and the decrypted authentication information W coincide with each other (YES in S380), the server 300 transmits the name of the electronic bill EB3, the payment amount, and the payment means PM1 And may transmit the included payment information (PI) to the payment server 500 (S385). The payment server 500 can settle the payment amount using the payment information PI and transmit the payment result information to the server 300. [ The server 300 may store the payment result information in the electronic bill information DB 400. [ According to the embodiments, the payment server 500 may transmit the payment result information to at least one of the A server 530, the server 300, and the terminal 100.

However, when the first authentication information ID1 and the decrypted authentication information W do not coincide with each other (NO in S380), the server 300 transmits error information indicating that an error occurs through the network 200 to the terminal (S390). The APP 110 may display the error information through the display device 130. [

According to the embodiments, when the authentication information (W, X, Y, and Z) is stored in the secure memory device of the terminal 100, the APP 110 transmits the first authentication information ID1 Compare the authentication information (W) stored in the secure memory device, and perform step 380 only when they match. In this case, step S380 may or may not be performed to enhance security.

According to the embodiments, the server 300 extracts a due date from each of the electronic notices EB1 to EB4 stored in the electronic bill information database 400, compares the extracted payment deadline with the current date, When the comparison result is transmitted to the terminal 100, the APP 110 generates a notification window in response to the comparison result, and notifies the user of the imminent payment due date in the form of a message through the notification window. For example, the APP 110 may notify the user of the imminent payment due date in the form of a message through the notification window for a predetermined period (for example, three days) from the due date of the A electronic bill (for example, 2015.12.15) .

According to the embodiments, the APP 110 can automatically insert the payment deadline of each electronic bill EB1-EB4 into the schedule of the schedule management application in conjunction with the schedule management application. Therefore, the user is not required to input the payment deadline of each electronic bill EB1 to EB4 individually into the schedule of the schedule management application.

The APP 110 can automatically extract the payment deadline included in each of the electronic billing statements EB1 to EB4. The APP 110 compares the extracted payment period and the current date with respect to each of the electronic billing statements EB1 to EB4 and when the payment period of the specific electronic billing bill from the electronic billing statements EB1 to EB4 has elapsed The delay interest for the specific electronic bill may be automatically calculated and the payment amount included in the specific electronic bill may be added to display the new payment amount on the display device 130. [

A computer readable computer program that can perform a method of paying the payment amount of the bill 101 to the user using the APP 110 and the server 300 executed in the user terminal described herein, May be stored in a computer-readable recording medium.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications and variations will be apparent to those skilled in the art. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10; Bill Payment System
100; terminal
110: Application
120: camera
200; network
300; server
400; Electronic bills information database
500; Payment Server
510 to 540: server

Claims (14)

A method of paying a payment amount of a bill to a user using an application executed in a server and a terminal of a user,
If the bureau image for the bills is generated by the camera of the terminal, the application extracts the recipient name and recipient address from the bills image, and sends the extracted recipient name and the extracted recipient address to the server ;
The server reads the electronic bill of exchange for the user and the payment means from the database accessible by the server using the extracted recipient name and the extracted recipient address, Sending the means to the terminal, the application receiving the electronic bill and the payment means;
The application displaying the electronic bill of materials on a display device of the terminal;
Wherein when a first electronic bill from among the electronic bills displayed on the display device is selected by the user, the application displays a name of the first electronic bill, a payment amount contained in the first electronic bill, Displaying the first payment means mapped to the first electronic bill on the display device and requesting the user to input the first authentication information;
And transmitting, by the application, the name of the first electronic bill, the payment amount, the first payment means, and the first authentication information to the server when the application receives the first authentication information. How to pay the payment amount of the bill for. The method according to claim 1,
The electronic bills are non-payment electronic bills,
Each of the electronic billing forms paying a payment amount of a bill mapped on a one-to-one basis with each of the payment means. The method according to claim 1,
Wherein at least two of the electronic bills pay a payment amount of the bill mapped to any one of the payment means. The method of claim 1, wherein displaying the electronic bills on a display device of the terminal comprises:
The application extracting payment terms included in each of the electronic bills; And
And displaying the electronic bills on a display device of the terminal in a payment due period in which the application is extracted. The method of claim 1, wherein displaying the electronic bills on a display device of the terminal comprises:
The application extracting payment terms included in each of the electronic bills; And
The application compares the extracted payment due date for each of the electronic bills with the current date, and when the due date of the second electronic bill has expired according to the comparison result, the application notifies the delay interest for the second electronic bill And displaying on the display device a new payment amount that includes the payment amount for the user. The method according to claim 1,
Wherein the server receives the name of the first electronic bill, the payment amount, the first payment means, and the first authentication information, and compares the first authentication information with the second authentication information stored in the database ; And
When the first authentication information and the second authentication information coincide with each other, the server transmits to the server the settlement information including the name of the first electronic bill, the payment amount, and the payment information including the first payment means And transmitting the payment to the server. The method according to claim 1,
Wherein the first authentication information is a password or a biometric information. A method of paying a payment amount of a bill to a user using an application executed in a server and a terminal of a user,
If the bureau image for the bills is generated by the camera of the terminal, the application extracts the recipient name and recipient address from the bills image, and sends the extracted recipient name and the extracted recipient address to the server ;
The server searches the list of electronic bills containing electronic bills for the user from the database accessible by the server using the extracted recipient name and the extracted recipient address, Transmitting, by the application, the electronic bill list to the terminal;
The application displaying the electronic bills included in the electronic bill list on a display device of the terminal;
If the first electronic bill of the electronic bill displayed on the display device is selected by the user, the application sends selection information to the server indicating that the first electronic bill is selected;
When the server transmits the first electronic bill corresponding to the selection information and the first payment means for the first electronic bill to the terminal from among the electronic bill contained in the database, And receiving the first payment means;
The application displaying the name of the first electronic bill, the payment amount included in the first electronic bill, and the first payment means on the display device and requesting the user to input first authentication information;
And transmitting, by the application, the name of the first electronic bill, the payment amount, the first payment means, and the first authentication information to the server when the application receives the first authentication information. How to pay the payment amount of the bill for. 9. The method of claim 8, wherein displaying the electronic bills included in the electronic bill list on a display device of the terminal comprises:
The application extracting payment terms included in each of the electronic bills; And
And displaying the electronic bills on the display device of the terminal in the order of time when the application is extracted. 9. The method of claim 8,
Receiving, by the server, the name of the first electronic bill, the payment amount, the first payment means, and the first authentication information, and comparing the first authentication information and the second authentication information stored in the database; And
When the first authentication information matches the second authentication information, the server transmits to the payment server the name of the first electronic bill, the payment amount, and the payment information including the first payment means The payment amount of the bill for the user further comprising: 9. The method of claim 8,
Wherein the first authentication information is a password or a biometric information. A method of paying a payment amount of a bill to a user using an application executed in a server and a terminal of a user,
If the bureau image for the bills is generated by the camera of the terminal, the application extracts the recipient name and recipient address from the bills image, and sends the extracted recipient name and the extracted recipient address to the server ;
The server reads the electronic bill of exchange for the user and the payment means from the database accessible by the server using the extracted recipient name and the extracted recipient address, Sending the means to the terminal, the application receiving the electronic bill and the payment means;
The application displaying the electronic bill of materials on a display device of the terminal;
If the first electronic bill of the electronic bill displayed on the display device is selected by the user, the application displays the billing means on the display device;
If the first payment means is selected by the user, the application displays the name of the first electronic bill, the payment amount included in the first electronic bill, and the first payment means to the display device And requesting the user to input first authentication information;
And transmitting, by the application, the name of the first electronic bill, the payment amount, the first payment means, and the first authentication information to the server when the application receives the first authentication information. How to pay the payment amount of the bill for. 13. The method of claim 12, wherein displaying the electronic bills on a display device of the terminal comprises:
The application extracting payment terms included in each of the electronic bills; And
And displaying the electronic bills on a display device of the terminal in a payment due period in which the application is extracted. 13. The method of claim 12,
Receiving, by the server, the name of the first electronic bill, the payment amount, the first payment means, and the first authentication information, and comparing the first authentication information and the second authentication information stored in the database; And
When the first authentication information matches the second authentication information, the server transmits to the payment server the name of the first electronic bill, the payment amount, and the payment information including the first payment means The payment amount of the bill for the user further comprising:

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