KR100364013B1 - Method to executing the total bill demand and total payment for the bill demands from service providers via on-line on Internet - Google Patents

Abstract

The present invention relates to a system for accessing a web page of an integrated billing and payment agency service provider on an Internet website and allowing subscribers of a customer member to act for integrated billing and payment through a computer. The system includes a first computer network of a plurality of public and other service providers, a second computer network of a plurality of customer members, a third computer network of an integrated billing and payment agency service provider, and the integrated billing and payment agency service provider. A fourth computer network of a bank of transactions, the service provider transmitting billing data of a customer member to a billing and payment agency service system provider via the Internet; Integrating and arranging the data by the billing and payment agent service provider into an item for each customer member, service details of a service user, and service provider; Transmitting the consolidated bill to the corresponding customer member by e-mail or checking the web page on the integrated billing and payment system operator's web page; The customer member paying all the charges in a lump sum to the transaction bank of the integrated billing and payment agent service provider; Integrating and arranging the fee payment amount paid by the plurality of customer members into the application S / W process by an integrated billing and payment agent service system provider; Collectively transferring the integrated payment amount to a plurality of service providers of a plurality of customer members; After checking the remittance processing result from the service provider is made to send to the customer member.

Description

{Method to executing the total bill demand and total payment for the bill demands from service providers via on-line on Internet}

The present invention relates to a system for accessing a webpage from a server of an integrated billing and payment agency service provider on an Internet website and allowing subscribers to bill the integrated billing and payment with a computer. The billing of each of the plurality of service providers, which must be separately paid each month, is integrated and billed together, and when the integrated billing amount is deposited, the bill is integrated and paid to the plurality of service providers by customer member and usage history. It is about a service system that saves billing costs and other management costs for multiple service providers, and benefits integrated fees for customer members.

Currently, each house pays various utility bills and other service charges through direct debit, or pays them to the bank using giro paper. It is inconvenient to go to the bank every time when paying the fee to the service provider with Giro paper, and in the case of direct debit, it is often cumbersome to check the situation where various fees are paid from the bank.

Therefore, if the charge is difficult to debit, you have to pay to the bank one by one. If you pay through the bank, you do not have to go to the bank every time. However, you will receive a monthly bill and receive a receipt for each service. It is difficult to manage. In case of direct debit, you should always check through your bank account and sometimes you can't check even if the wrong fee is received.

Therefore, in the current fee collection system, systematic management is difficult and it is not efficient to operate the household. Accordingly, there is a request for a service that collectively bills and pays integrated bills and manages them accordingly.

The present invention, in order to solve the problems described above, the various billing data of the customer member on the Internet from each service provider by using the operating system integrated and arranged by the billing of each member of the service, billed to the integrated bill By receiving or paying the bill from the customer member through the bank, and classifying it by each service provider, the agency provides a discount on the integrated fee to the customer and sends the bill to the customer's service provider. The objective is to provide opportunities for savings and other administrative costs.

Another object of the present invention is to become a customer member of the service provider to the customer member on the Internet to access the web page of the service provider, such as lending and financial related consulting and data research in accordance with the request of the customer member The purpose is to provide information.

Figure 1 is a schematic diagram clearly showing the integrated billing and payment agency process consisting of business entities according to the present invention.

2 is a flowchart illustrating a process of processing and sending an integrated bill by the integrated billing and payment agency according to the present invention.

3 is a flowchart illustrating a process in which the integrated billing and payment agent according to the present invention processes the payment for the consolidated bill.

4 is a flowchart illustrating a process in which a customer who wants to use the integrated billing and payment service according to the present invention registers as a member.

5 is a flowchart illustrating a process in which a customer member requests information required through an integrated billing and payment agent service provider and obtains information provided according to the present invention.

In the service system that is installed on the Internet website according to the present invention for achieving the above object, a browser is installed from the server of the service provider for the agency billing and payment,

A plurality of first computer networks to which the plurality of service providers 200 of the plurality of customer members 300 can connect with the integrated billing and payment agency service system providers 100; A plurality of second computer networks in which a plurality of customer members 300 may be connected to the integrated billing and payment agency service system provider 100 and may be connected to the transaction bank 400 of the service system provider; A third computer network of an integrated billing and payment agency service system operator (100) capable of being connected with said first and second computer networks; And a fourth computer network of the trading bank 400 connected to the third computer network and connected to the second computer of the customer member 300,

When the plurality of customer members 300 join the third computer network through the respective second computer network and join as a member of the system 100 of the integrated billing service provider, the plurality of customer members 300 perform the billing agent on their behalf. Accepting the terms and allowing membership to be delegated;

The plurality of service providers 200 of the plurality of customer members 300 access the third computer network of the service system provider 100 through the first computer network to charge the bills of the customer members whose predetermined amount is reduced from the bill amount. Sending the star data to the service provider's system (100);

The service system system 100 receives the data of the customer member through the third computer network and operates an integrated billing operation system to separate the fee for each customer member and the service provider for the customer, and to partially discount the fee. Creating an integrated bill and connecting the second computer network to the customer member 300 through the third computer network;

Allowing the customer member 300, which receives the integrated bill for which the predetermined amount is discounted through the second computer network, to access the third computer network and check his / her charges on the web page of the service system provider 100; ;

The customer member 100 accessing the integrated billing amount through a second computer network and paying a batch transfer to an account of the transaction bank 400 of the service provider 100;

The service system provider 100 operates the integrated bill payment and payment data processing operation system for the integrated fee payment amount transferred from the customer member 300 to separate the fee for each customer member 300 and the service provider 200 for each customer. Accessing the first computer network through the third computer network to collectively pay bills for each of a plurality of service providers of a plurality of customer members;

The service system provider 100 receives the confirmation from the plurality of service providers 200 of the plurality of customer members 300 by accessing the first computer network through the third computer network for payment of the transferred bill. And connecting the result with the second computer network through the third computer network and sending the result to the customer member 300 by e-mail.

In another aspect of the present invention, a plurality of first computer networks, a plurality of customers, to which a plurality of service providers 200 of a plurality of customer members 300 can connect with the integrated billing and payment agency service system service provider 100, are provided. A plurality of second computer networks, members of the first and second computers, which members 300 may access the integrated billing and payment agency service system provider 100 and may access the service provider's trading bank 400. The third computer network of the integrated billing and payment agency service system provider 100, which may be connected to the network, and the third bank of the trading bank 400, which is connected to the third computer of the customer member and is connected to the second computer of the customer member. 4 computer network is configured to connect,

The plurality of customer members 300 visits a web page connected to the third computer network of the service system provider 100 through a second computer network, and requests loan and re-taking consulting and related field polls and data research requests. Requesting from the service system provider 100;

The service system operator 100 receives the information request data of the customer member 300 through the third computer network, operates an integrated financial portal site, and manages the requested information content according to the request of each customer. Connecting to the second computer network through the third computer network and transmitting the same to the customer member 300;

The customer member 300 checks on the second computer network transmitted from the service system provider 100 or connects to the third computer network of the service system to consult the loan, finance technology, and related field polls and data survey services. A step of checking the contents on the web page.

Hereinafter, the present invention will be described in more detail with reference to the accompanying drawings.

1 is a schematic diagram clearly showing a notification and payment agency process consisting of business entities according to the present invention.

As shown in the integrated billing and payment agency system according to the present invention, the customer member 300 of the service system provider 100 is connected to the third computer network through the second computer network of their personal computer By joining as a customer member 300 and opening an account in the bank 400 of the integrated billing and payment agency service system operator 100, the integrated billing and payment agency system according to the present invention can be used. In addition, the integrated billing and payment agency service system provider 100 may perform online integrated billing and payment agency through the Internet with a plurality of service providers 200 of multiple customer members, for example, public service providers and other service providers. To cooperate with the system business.

The integrated billing and payment agency service system provider 100 is connected to the first computer network through a third computer network, and the plurality of customer members 300 are connected in a server-to-server manner by a socket program of the TCP / IP layer. Receives billing data of a plurality of customer members from a plurality of subscribed service providers 200 and receives a certain amount of bills due to a reduction in billing costs from a plurality of service providers 200. The web server and solution After operating the data processing operation system on the server to process the billing for each customer member 300 and service provider 200 to enable the integrated billing, the predetermined amount of the service provider of the predetermined amount is a predetermined amount from the billing amount discounted service system Charge the operator's fees, but file the consolidated bill online via the Internet at a discounted rate. The guest member 300 is connected to the second computer network of the customer member 300 and sent by email. The customer member 300 inquires about the integrated charges billed through the received e-mail on his or her personal computer or through the web page of the service system service provider by connecting to the third computer network of the service system service provider 100. If it is confirmed, the customer member 300 connects to the fourth computer network through the second computer network, and transfers the collectively requested bills to the transaction bank 400 of the integrated billing and payment service system provider. . The transaction bank 400 of the service system provider 100 connects to the third computer network of the service system provider 100 through a fourth computer network to collect the integrated fee transferred from the plurality of customer members 200. When depositing into the account of the integrated billing and payment agent service system provider 100, the integrated billing and payment service system provider 100 operates a plurality of service providers 200 by operating the data processing operation system for the payment amount of a plurality of customers. ) And transfer the payments to the designated accounts of the plurality of service providers 200 by the integrated payment amount, and confirm receipt of the plurality of service providers 200, and then confirm the receipt of the processing result to the customer member 300. Send by e-mail on the system. In addition, the customer member 300 may check the integrated billing confirmation by accessing the web page or may use the SMS (Short Message Service) of the mobile phone.

Figure 2 is an integrated billing and payment agency service system provider 501 according to the present invention the integrated billing process of the bills of the customer member 503 for each of the plurality of service providers (500,500 ', 500 ") as integrated billing process and sending process It is a flow chart showing.

As shown, the integrated billing and payment agency service system operator 501 is connected to a third computer network from a first computer network of a plurality of service providers 500, 500 ', 500 " to which a plurality of customer members 503 is subscribed. The billing data for each customer member and service provider is separated by operating the data processing operating system (s5) on the web server and solution server by receiving billing data for each customer in a server-to-server manner by the socket program of the TCP / IP layer. Process and create an integrated bill (s9) and send it to an email 502 via an email server s7, post it on a web page 502 "on the system of the present invention, or The customer member 503 is notified by using the SMS 502 '.

In this case, the service system provider 501 may transmit the message together with an Internet banner advertisement, a voice and a text advertisement by using an SMS transmission, an SMS of a posted mobile phone on the web.

The data processing operating system s5 on the web and solution server of the integrated billing and payment service provider may include a memory s1, a network management software s2, a CPU s3, an e-mail. (Mail) An integrated information processing solution (s9) is built, including the server interface (s4), the email server (s7), the customer member DB interface (s6), and the customer member database (s8). The memory s1 stores the information on the information of the service provider and the storage of the information of the customer member, and the network management software s2 deals with the service system operator with the customer member, the service provider, the service system operator. It is necessary to send and receive various information between banks, and the CPU (s3) is related to registration of customer members, registration of affiliated service providers, control and management of customer members and service providers, and transfer of transaction banks of service providers. And collectively it manages and handles the details. The mail server interface s4 is an e-mail server device s7 for member e-mail account management and transfer processing, and the customer member DB interface is a customer member database s8 from a plurality of service providers 500, 500 ', 500 ". The integrated bill is created (s10) by performing a function of integrated management of charges for each customer member service for the bill.

The completed integrated bill is sent to the customer member by e-mail 502, SMS 502 'of the mobile phone, or web page 502 ". Check with.

3 is a flowchart illustrating a process in which the integrated billing and payment agency service provider 602 according to the present invention processes the payment for the integrated bill.

As shown, the integrated billing and payment agency service system provider 602 receives a direct debit payment of the integrated billing amount billed from the plurality of customer members (600,600 ', 600 ") in the transaction bank 601, Memory (s1 '), network (N / W) (s2') management software (s2 '), CPU (s3') of the data processing operating system (s5 ') on the web server and the solution server as described in FIG. , The email server s7 'of the mail server interface s4', the customer member database s8 'of the customer DB interface s6', and the service provider 603,603 for each customer member 600,600 ', 600 ". The integrated fee payment amount s9 for each 603 " is prepared and connected to the first computer network through the third computer network of the service system provider and transferred in a batch.

4 is a flowchart illustrating a process in which a customer member requests information required through an integrated billing and payment agent service system operator and obtains information provided according to the present invention.

FIG. 4 shows that the data processing operating system s5 "on the web server and the solution server as described in FIG. 2 has a web page s9", an integrated information processing solution s10, and a memory s1 ". Financial information of network (N / W) (s2 ") management software (s2"), CPU (s3 "), email server (s7") of mail server interface (s4 "), customer DB interface (s6") As shown and configured as a provided database s8 ", the customer member 700,700 ', 700" accesses the third computer network of the integrated billing and payment agency service provider 701 through the second computer network. When requesting customer loans, re-taking related consulting and related field surveys and data survey services, the service provider 701 uses the integrated financial portal site and information provision DB (s8 "). Report and write the request details Information is provided to the corresponding customer members 700, 700 ', 700 " by means of e-mail 702, web page 702 " or by means of SMS 702' of a mobile phone. The system operator 701 may perform internet banner advertisements, voice and text advertisements by using the above-mentioned email transmission, posting on a web page, and SMS of a mobile phone.

In this case, the service system provider 501 may transmit the message together with an Internet banner advertisement, a voice and a text advertisement by using an SMS transmission, an SMS of a posted mobile phone on the web.

The integrated financial portal site and information providing DB (s8 ") are composed of loan, re-taking, public opinion and data research request reception and transmission data DB, data information collection and storage data BD, and information collection data DB according to a request of a customer member. It is composed.

5 is a flowchart illustrating a process in which a customer member who wants to use the integrated billing and payment agency service according to the present invention first joins as a member of the integrated billing and payment agency service system operator.

As shown, the customer member accesses the second computer network of his personal computer through the third computer network to the web page of the integrated billing and payment agency service system operator (step 800), and through the predetermined agreement, the customer member (Step 801), and the procedure of acknowledging and agreeing to the terms of the integrated billing and payment agency service is performed (step 802), and after the consent process, the customer member is provided with details such as ID, name, address, and telephone number. Enter the desired service by selecting the service (step 804), and the integrated billing and payment agent service provider, in the normal case, registers as a member by granting an ID and the customer information is operated through the customer member DB interface. The database is built on the system (step 805), and the customer member then bills and pays the integrated fee as needed. The service of the service system provider is made available (step 806).

The foregoing has outlined rather broadly the features and technical advantages of the present invention in order to better understand the claims of the invention which will be described later. It will be appreciated that various changes may be made to implement the invention as described above without intention. Accordingly, the following claims should be construed as including both such modifications and changes.

As can be seen from the above, the integrated billing and billing service system through the Internet of the present invention is convenient for the integrated billing service provider to send one integrated bill to the end customer on behalf of the customer's service provider. Lowering the workload and reducing costs associated with issuing performance invoices can ultimately satisfy end customers, while banks can enhance customer service, become more resilient in attracting and capital management, and consolidated billing. The service provider can distribute the active rate due to the large number of customer subscriptions with the customer, obtain short-term bank interest according to the charge deposit, and attract the Internet banner advertisement upon activation of the webpage. Where you can earn money while consulting about There is a point.

Claims (7)

In a method of acting for billing and payment of integration fee on an internet website, A first computer network through which a service provider may connect with a third computer network of an integrated billing and payment agency service provider, a customer member with access to the integrated billing and payment agency service provider, and a bank of transactions of the service provider; A third computer network of an integrated billing and billing service provider that may be connected to a second computer network, the first and second computer networks, and the third computer network, the second computer of the customer member A fourth computer network of the service system operator trading bank to be connected is connected, The plurality of customer members access the third computer network through their respective second computer networks, and when they join as a member of the integrated billing and payment agency service provider, Agreeing and becoming a member; A plurality of service providers of the plurality of customer members accessing the third computer network of the service system provider through a first computer network to transmit billing data of a subscription customer to the service provider; The service system operator receives the data of the customer member through the third computer network, operates an integrated billing and payment processing data operation system, and separates the fee for each customer and each service provider to which a plurality of customer members are subscribed. Preparing an integrated bill and connecting with the second computer network through the third computer network to transmit the integrated bill to a customer member; Allowing a customer member who received an integrated charge through the second computer network to access the third computer network and check his / her charges on the web page of the service provider; The customer member accessing the fourth computer network through a second computer network and transferring the integrated bill to the account of the service bank of the service system provider; The service system operator divides the integrated charge amount transferred from the customer member by the charge history and the plurality of service providers of the plurality of customer members by using the integrated billing and payment data processing operation system, and transmits the charge through the third computer network. Accessing a first computer network and collectively paying bills for a plurality of service providers; The service system operator accesses the transfer payment history for billing to the first computer network through the third computer network, receives a payment receipt from a plurality of service providers, and returns the result to a customer member through the third computer network. Connecting to a second computer network of the method comprising the step of sending by email to a customer member. The integrated billing method of claim 1, wherein the service provider of the customer member includes discounting a bill for each customer member due to the group subscription of the integrated billing and payment agent service system operator system. And how to act on your behalf. The method of claim 1, wherein the integrated billing and payment agency service system provider comprises the step of sending the integrated billing in the form of a text message using a mobile phone or a pager. How to. delete delete delete delete