TWI707288B - Method of online bill payment with bill identification information - Google Patents

Abstract

The present invention is a method for online bill payment using bill identification information. After the user inputs the bill identification information, the bill information corresponding to the bill identification information is obtained from the bill server device, and the bill payment server The method of online bill payment with bill identification information for device payment.

Description

Method of online bill payment with bill identification information

The present invention relates to a payment method, in particular to a method of online payment of bills by obtaining bill information from a billing server through bill identification information for payment.

A bill refers to a notice that requires payment from the person receiving the bill. In modern life, there are many behaviors and daily activities that will receive a bill. For example, there will be a water bill for using water at home. , There will be an electricity bill for using electrical appliances at home, a parking bill for parking when you go out, a mobile phone bill for using a smart phone, a credit card bill for shopping with a credit card, etc. Those who receive the bill need to follow the bill The bill amount and remittance account number recorded above will be remitted to the remittance account within the time limit to complete the bill payment.

When the Internet is not yet popular, the person who receives the bill will go to the financial institution to remit the bill amount to the account at the counter or ATM to complete the bill payment. Due to the popularization of the Internet, almost every household has electronic devices (such as personal computers, smart phones, etc.) that can be connected to the Internet. Therefore, some businesses provide bill payment functions on the businesses’ websites, making it easier to collect Those who go to the bill can pay the bill of the business on the business's website.

However, when the person who receives the bill wants to make online payment, the person who receives the bill must enter the bill number, bill amount and other information of the bill before the payment can be made. Because the bill number may be a string of English, The combination of numbers and symbols may be difficult to input It’s difficult, or the person who received the bill lost the bill and couldn’t know the bill number and amount, or the person who received the bill just didn’t bring the bill when he paid the bill online, because he couldn’t get the bill because he didn’t have the bill. Knowing the bill number will cause the bill recipient to be unable to pay, thus causing trouble for the bill recipient when paying the bill.

An object of the present invention is to provide a method for online bill payment using bill identification information. The bill identification information is used to obtain the corresponding bill information from the billing server and perform payment.

In order to achieve the above-mentioned allegations and effects, one embodiment of the present invention discloses a method for online bill payment using bill identification information. The steps include: sending the bill identification information from the electronic device to the payment server Device, the bill payment server device sends the bill identification information to the bill server device, the bill server device sends the bill information corresponding to the bill identification information to the electronic device, the electronic device sends the payment confirmation command and the payment account to the bill server device, and sends The payment confirmation command is sent to the first financial server device corresponding to the payment account, and the first financial server device remits the amount corresponding to the payment confirmation command from the payment account to the remittance account corresponding to the payment confirmation command in the second financial server device.

In an embodiment of the present invention, the bill identification information may be one or a combination of a mobile phone number, a phone number, an address, an ID number, a license plate number, a birthday, a student number, and a credit card number.

In an embodiment of the present invention, the electronic device sends bill identification information to the payment server device through a web page or an application program.

In addition, the present invention provides another method for online bill payment using bill identification information. The steps include: sending the bill identification information from the electronic device to the billing server through the first browsing page, and the billing server sends The bill information corresponding to the bill identification information is sent to the electronic device, and the bill information is displayed on the second browsing page. The electronic device sends a confirmation command to the bill server according to the bill information, and the bill server sends a jump command according to the confirmation command To the electronic device, the electronic device opens the third browser page according to the jump command, and connects to the payment server device through the third browser page. The electronic device sends the payment confirmation command and the payment account to the payment server device through the third browser page to send the payment The confirmation command is sent to the first financial server device corresponding to the payment account, and the first financial server device remits the amount corresponding to the payment confirmation command from the payment account to the import account corresponding to the payment confirmation command in the second financial server device.

1: Electronic device

101: Communication unit

103: Bill identification information

104: Confirm button

105: Billing Information

107: Payment account

109: Payment button

3: Payment server

301: Third browse page

3011: Payment button

5: Intermediary servo device

7: The first financial server

9: The second financial server

11: Billing server

1101: First browse page

11011: Confirm button

1103: Second browse page

11013: Confirm button

The first figure: it is a flowchart of the method for online bill payment using the bill identification information of the first embodiment of the present invention; the second figure: it is the first embodiment of the present invention to pay bills System diagram of the method for online bill payment with bill identification information; Figure 3A: It is a schematic diagram of the method for online bill payment with bill identification information according to the first embodiment of the present invention. To illustrate the process of payment; Figure 3B: It is a schematic diagram of the method of online bill payment using bill identification information in the first embodiment of the present invention, to illustrate the process of payment; Figure 4: It is a system diagram of a method for online bill payment using bill identification information in the second embodiment of the present invention; Figure 5A: It is a schematic diagram of the method of online bill payment using bill identification information of the second embodiment of the present invention, to illustrate the process of payment; Figure 5B: It is the present invention The schematic diagram of the method of online bill payment using the bill identification information of the second embodiment is used to illustrate the process of payment; and the fifth figure C: it is the second embodiment of the present invention. Schematic diagram of the method of online bill payment by identifying information to show the process of payment.

In order to enable your reviewer to have a better understanding and understanding of the features of the present invention and the effects achieved, the preferred embodiments and detailed explanations are provided. The explanation is as follows: In the previous technology, those who receive the bill must When paying bills online, the person who receives the bill must enter the bill number, bill amount, and other information before the bill can be paid. It may be difficult to input, or the bill will be lost and online If you just didn’t bring your bill with you when you paid the bill, you would not be able to know the bill number without the bill, and the bill recipient would not be able to pay the bill. This would cause trouble and inconvenience during payment. A method for online bill payment with bill identification information.

Here is a description of the flow of the method for online bill payment using the bill identification information of the first embodiment of the present invention. Please refer to the first figure, which is the bill identification information of the first embodiment of the present invention. A flowchart of the method of online bill payment. As shown in the figure, the method for online bill payment using bill identification information of this embodiment includes the following steps: Step S1: Sending bill identification information; Step S3: Obtain bill information; Step S5: Send a payment confirmation command; and Step S7: Perform payment.

Next, the system required to achieve the method of online bill payment using the bill identification information of the first embodiment of the invention will be described. Please refer to the second figure, which is the first embodiment of the invention. System diagram of the method of online bill payment with bill identification information. As shown in the figure, the system of the method for online bill payment using bill identification information of the present invention includes: an electronic device 1, a billing server device 3, an intermediary server device 5, and a first financial server device 7 , A second financial server device 9 and a billing server device 11. The above-mentioned electronic device 1 may be an electronic device such as a smart phone, a personal digital assistant (PDA), a tablet computer, a notebook computer, a desktop computer, etc.

The above-mentioned intermediary servo device 5 can be used as a bridge between two different cash flow servo devices. In this embodiment, the intermediary server device 6 serves as a bridge between the first financial server device 7 and the second financial server device 11.

The following will describe the flow of the method for online bill payment using the bill identification information of the first embodiment of the present invention. Please refer to the first, second, third A and third B diagrams. When the user pays the bill fee online with the bill identification information, steps S1 to S7 will be executed.

Step S1: Send the bill identification information; Step S3: Obtain the bill information; Step S5: Send the payment confirmation command; and Step S7: Make the payment.

In step S1, the bill identification information is sent, and the electronic device 1 uses the communication unit 101 to communicate with the payment server device 3 through a web page or an application through a wired network or a wireless network. Connect, as shown in Figure 3A, enter a bill identification information 103 on the above web page or application, and click a confirmation button 104, the electronic device 1 sends the bill identification information 103 to the billing server 3, and pays The server device 3 sends the bill identification information 103 to a bill server device 11.

The above-mentioned bill identification information differs depending on the bill paid. For example, when the bill paid is a roadside parking fee, the bill identification information is the license plate number; when the telephone bill is paid, the bill The bill identification information is the phone number or/and the user ID number or/and birthday; when paying the tuition and fees, the bill identification information is the student number or/and the ID number or/and birthday or/and the cancellation number; The identification information of the bill for water consumption is the water number; the identification information of the bill for the payment of electricity is the electricity number; the identification information of the bill for the payment of gas is a three-segment barcode or/and the billing number or/and address; When paying income tax, the bill identification information is ID number and birthday.

In step S3, the bill information is obtained, and the bill server 11 sends the bill information 105 corresponding to the bill identification information 103 to the billing server 3 according to the received bill identification information 103, and the billing server The device 3 sends the billing information 105 to the electronic device 1.

In step S5, the payment confirmation command is sent. As shown in Figure 3B, after the bill information 105 is displayed on the electronic device 1, a payment account 107 is entered in the electronic device and the payment button 109 is clicked, and the electronic device 1 follows the bill The bill information 105 sends the payment confirmation command and the payment account 107 to the payment server 3, and the payment server 3 sends the payment confirmation command and the payment account 107 to the intermediary server 5.

In step S7, the payment is performed, and the intermediary server 5 sends the payment confirmation command and the payment account 107 to the first financial server 7 corresponding to the payment account 107, and the first financial server 7 sends the corresponding payment confirmation command from the payment account 107 One amount, so The remitted amount is remitted to the second financial server 9 through the intermediary server device 5 into the account corresponding to one of the payment confirmation commands. In other words, in this step, the payment amount will be transferred from the account (payment account 107) entered by the holder of the electronic device 1 to one of the bill receiving accounts (remittance accounts) corresponding to the bill identification number .

Here, the first embodiment of the present invention uses the bill identification information to pay bill fees online. With this embodiment, when the bill is to be paid, the payer can pay the bill without the bill To download (for example, if the bill is lost or forgotten to carry), enter the bill identification information on the web page or application provided by the billing server 3 to obtain the corresponding billing information from the billing server 11, and make the payment, and Since the entered bill identification information is a commonly used personal information, it is less prone to input and memory troubles, which can improve the convenience of bill payment.

The following example illustrates the flow of the method of online bill payment using bill identification information in the first embodiment of the present invention in actual use. Please match the first picture, second picture, third A and third B Figure. When a user wants to pay a mobile phone bill, he connects to a website with a personal computer (equivalent to electronic device 1), and the user uses a personal computer to enter the mobile phone number (equivalent to bill identification information 103) in the above website After the user clicks to confirm (equivalent to confirm button 104), the personal computer sends the mobile phone number to the billing server (equivalent to billing server 3), and the billing server sends the mobile phone number to a billing server (equivalent to account Single servo device 11) (step S1).

Following the above, the billing server obtains the bill information of the bill corresponding to the bill identification information (equivalent to bill information 105) based on the received bill identification information, and sends the bill information to the billing server (equivalent to Payment server 5). The payment server sends the bill information to the personal computer (step S3). After the personal computer displays the billing information 105 on the screen, the user confirms the amount of the billing information and enters a bill payment account on the personal computer Account (equivalent to payment account 107) and click the payment button (equivalent to payment button 109), the personal computer sends a payment confirmation command and payment account to the payment server based on the bill information, and the payment server sends a payment confirmation command and payment account to the agency Servo device (equivalent to intermediary servo device 5) (step S5).

Following the above, the intermediary server device sends the payment confirmation command and the payment account to the first financial server device corresponding to the payment account (equivalent to the first financial server 7), and the first financial server sends the corresponding payment confirmation command from the payment account One of the amounts, the remitted amount is remitted to the second financial server device (equivalent to the second financial server device 11) through the intermediary server device corresponding to one of the payment confirmation commands to the account (step S7). Then, the second financial server device sends a payment completion command to the intermediary server device, the intermediary server device sends a payment completion command to the payment server device, and the payment server device sends a payment completion command to the first server device. The first server device sends a payment completion command to the individual Computer, the person who receives the bill can confirm the payment has been completed on the personal computer.

Next, the system required for the method of online bill payment using the bill identification information of the second embodiment of the present invention will be explained. Please refer to the fourth figure, which is the first embodiment of the present invention. Information system diagram of the method of online bill payment. As shown in the figure, the difference between this embodiment and the first embodiment is that the electronic device 1 can directly connect with the billing server 11.

The second embodiment of the present invention will explain the method of online bill payment using the bill identification information. Please refer to the fourth, fifth A, fifth B and fifth C diagrams and the first Figure. In the second embodiment of the present invention, in step S1, as shown in FIG. 5A, the electronic device 1 uses the communication unit 101 to open a first browsing page 1101 through a wired network or a wireless network through a browser or an application program. Connect to the billing server 11, and enter a billing identification information 103 on the first browsing page 1101 mentioned above, and click OK After pressing the button 11011, the electronic device 1 sends the bill identification information 103 to the billing server 3, and the billing server 3 sends the bill identification information 103 to the billing server 11. In other words, the electronic device 1 sends the bill identification information 103 to the billing server 11 through the first browsing page 1101 provided by the billing server 11.

In the second embodiment of the present invention, in step S3, the billing server 11 sends the billing information 105 corresponding to the billing identification information 103 to the billing server based on the received billing identification information 103 3. The bill payment server 3 sends the bill information 105 to the electronic device 1. As shown in FIG. 5B, the electronic device displays the received bill information 105 on the second browsing page 1103.

In the second embodiment of the present invention, in step S5, as shown in Figure 5B, after the user clicks the confirmation button 11013, the electronic device 1 sends a confirmation command to the billing server 11 according to the billing information 105. The billing server 11 sends a jump command to the electronic device 1 according to the confirmation command. As shown in Figure 5C, the electronic device 1 uses a browser or application to open a third browser of the payment server 3 according to the jump command. The page 301 allows the electronic device 1 to connect to the payment server 3 through the third browsing page 301 and display the billing information 105 on the third browsing page 301. After the user enters a payment account 107 on the third browsing page 301 and clicks the payment button 3011, the electronic device 1 sends a payment confirmation command and a payment account 107 to the payment server 3 according to the bill information 105, and the payment server 3 sends a payment confirmation Order and payment account 107 to intermediary server 5.

In step S7, the payment is performed, and the intermediary server 5 sends the payment confirmation command and the payment account 107 to the first financial server 7 corresponding to the payment account 107, and the first financial server 7 sends the corresponding payment confirmation command from the payment account 107 An amount, the remitted amount is transferred to the second financial server 9 through the intermediary server 5 to correspond One of the payment confirmation orders is remitted to the account. In other words, in this step, the payment amount will be transferred from the account (payment account 107) entered by the holder of the electronic device 1 to one of the bill receiving accounts (remittance accounts) corresponding to the bill identification number .

This completes the second embodiment of the present invention using the bill identification information for online bill payment method. With this embodiment, the person who receives the bill can connect to the bill of the unit to which the bill was issued The server device, and use the bill identification information to check the bill on the bill server device and then jump to the browsing page of the billing server device, and pay the bill fee on the browsing page of the jump server device. Since the entered bill identification information is a commonly used personal information, it is less prone to input and memory troubles, which can improve the convenience of bill payment.

In an embodiment of the present invention, the bill identification information may be one of mobile phone number, phone number, address, ID number, license plate number, birthday, student number, three-segment barcode, water number, telephone number, and credit card number Or a combination of more.

In one embodiment of the present invention, the confirmation command includes billing information.

In an embodiment of the present invention, the jump command includes billing information.

In an embodiment of the present invention, the billing information includes an import account.

In an embodiment of the present invention, the bill information includes an amount of the bill.

However, the above are only the preferred embodiments of the present invention, and are not used to limit the scope of implementation of the present invention. For example, the shapes, structures, features and spirits described in the scope of the patent application of the present invention are equally changed and modified. , Should be included in the scope of patent application of the present invention.

This invention is really novel, progressive, and available for industrial use. It should meet the requirements of patent application stipulated by my country's patent law. Undoubtedly, I filed an invention patent application in accordance with the law. I hope that the office will grant the patent as soon as possible. prayer.

Claims (3)

A method for online bill payment using bill identification information. The steps include: sending a bill identification information from an electronic device to a billing server, and the billing server sending the bill identification information to a bill Server; the bill server sends one of the bill information corresponding to the bill identification information to the electronic device; the electronic device sends a payment confirmation command and a payment account to the payment server; sends a payment confirmation command to the corresponding A first financial server device for one of the payment accounts; and the first financial server device remits an amount corresponding to the payment confirmation command from the payment account to a second financial server device that corresponds to one of the payment confirmation commands to the account ; The bill identification information can be one or a combination of phone number, address, license plate number, birthday, student number, user ID number, three-segment bar code, water number, telephone number, and credit card number. As described in item 1 of the scope of patent application, the method for online bill payment using bill identification information, wherein the electronic device sends bill identification information to the bill payment server through a web page or an application. A method for online bill payment using bill identification information. The steps include: sending a bill identification information from an electronic device to a billing server through a first browsing page; The bill information should be one of the bill identification information to the electronic device, and display the bill information on a second browsing page; the electronic device sends a confirmation command to the bill server device based on the bill information, the bill The servo device sends a jump command to the electronic device according to the confirmation command; The electronic device opens a third browse page according to the jump command, and connects to a payment server device through the third browse page; the electronic device sends a payment confirmation command and a payment account to the third browse page Payment server device; send a payment confirmation command to a first financial server device corresponding to the payment account; and the first financial server device sends an amount corresponding to the payment confirmation command from the payment account to a second financial server device Corresponding to one of the payment confirmation orders, it is imported into the account; the bill identification information can be phone number, address, license plate number, birthday, student number, user ID number, three-segment bar code, water number, telephone number, credit card number among them One or a combination of more.

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