KR101987066B1 - System and method billing and payment using mobile devices and computer program for the same - Google Patents

Abstract

A system for billing and payment service using a mobile device may comprise: a user management unit which stores user information on one or more users including a billing user and a payer; a business operator management unit configured to receive business operator registration information from a user device of the billing user and authenticate the billing user by comparing the result of searching a national tax service server with the user information of the billing user stored in the user management unit by using the business operator registration information; a billing record receiving unit configured to receive billing information including payer information and billing details from the user device of the billing user authenticated by the business operator management unit; an invoice management unit configured to transmit an invoice generated based on the billing information to a user device of the payer; and a payment unit performing a payment process corresponding to the invoice in response to the payment request received from the user device of the payer. By using the system for billing and payment service, an individual business operator can easily send an invoice to the mobile device of the payer through an authentication process of business registration. In addition, the business activation of an individual business operator can be promoted by allowing the payer to easily pay the billed amount with the mobile device.

Description

[0001] SYSTEM AND METHOD FOR BILLING AND PAYMENT SERVICE USING MOBILE DEVICE, AND COMPUTER PROGRAM FOR THE SAME [0001]

Embodiments are directed to a billing and payment service system and method using a mobile device and a computer program for the same. More particularly, the billing user can easily send an invoice to a mobile device of a person to be paid, And to provide a billing and payment service using a mobile device capable of paying a simple amount of money by using the billing service and distributing advertisement revenue related to the bill.

Currently, most consumer spending both online and offline is made by credit cards or check cards. Card transaction fees are on the rise every year. Especially, in the case of check cards, the percentage of payment by check cards in card payments continues to increase due to the management advantage of being able to spend only in cash reserves and tax benefits at the year-end settlement. . However, it is inconvenient for the check card-based online payment to input the card information directly.

Meanwhile, recently, a variety of simple settlement services have emerged in the fintech era. In the simple payment service, a card or an account is registered in advance, and when payment is actually made, payment is made without exposing the card or account information through a password or a disposable authentication number registered in advance.

However, to date, PinTechnology has been applied only to individual transfers, and PinTech technology has not been widely used in billing and settlement transactions between a business and a customer. At present, the process of payment between a large business operator and a customer is generally performed through a direct contract between a business entity and a financial institution or through a VAN (Value Added Network) company. In the case of a small and medium-sized company, And settlement. However, there has not been a pin-tec service that allows a business operator to easily handle the billing and settlement process among customers for an individual business.

Japanese Patent Application Laid-Open No. 10-2003-0012912

According to one aspect of the present invention, a billing user can easily send an invoice to a payee's mobile device, a payee can pay a billed amount conveniently using the mobile device, and distribute the advertising revenue associated with the bill A billing and payment service system and method using a mobile device, and a computer program therefor.

According to one embodiment, a billing and payment service system using a mobile device includes a user management unit storing user information of one or more users including a billing user and a payee; A service management unit configured to receive the business entity registration information from the user device of the billing user and to authenticate the billing user by comparing the result of the inquiry of the NTS server using the business entity registration information with the user information of the billing user stored in the user management unit, ; A billing history receiving unit configured to receive billing information including billing subject information and billing details from the user device of the billing user authenticated by the business entity management unit; An invoice management unit configured to transmit an invoice generated based on the billing information to a user device of the payee person; And a settlement unit for performing a settlement process corresponding to the bill in response to the settlement request received from the user device of the payee.

In one embodiment, the business entity management unit is further configured to verify the billing user by comparing the business entity registration information with at least one of a representative name and a representative birth date retrieved from the NTS server and the user information of the billing user.

In one embodiment, the business entity registration information includes authentication information of the billing user. At this time, the provider management unit is further configured to inquire information from the IRS server in a scrapping method using the authentication information.

In one embodiment, the bill includes advertisement information for one or more advertisers to be exposed to the payee. The billing and payment service system using the mobile device according to an embodiment of the present invention may be configured to receive an advertisement fee corresponding to the advertisement information from the advertiser and to transmit the advertisement fee to the billing user corresponding to the bill, And an advertisement management unit configured to distribute the advertisement to at least one user.

In one embodiment, the advertisement management unit determines an associated business type for the business type of the billing user based on the business registration information of the billing user, and selects one of the users authenticated by the business entity management unit, And transmits the advertisement proposal information to the above users.

In one embodiment, the bill management unit is further configured to deliver the bill to a user device of a user other than the payee in response to a third party payment request received from the user device of the payee person.

In one embodiment, the settlement unit receives the cash settlement approval number corresponding to the settlement amount through communication with the IRS server in response to the payment by the payee, and the cash settlement approval number To the user device of the person to be paid.

The billing and payment service method using the mobile device according to the embodiments may be performed using the billing and payment service system according to the above-described embodiments.

According to one embodiment, a method for billing and payment service using a mobile device comprises: storing user information of one or more users including a billing user and a payee; Receiving business entity registration information from a user device of a billing user; Authenticating the billing user by comparing the result of inquiry of the NTS server with the user information of the billing user stored in the billing and payment service system using the business entity registration information; Receiving billing information including payee information and billing details from a user device of the billing user authenticated by the billing and payment service system; Sending an invoice generated based on the billing information to the user device of the person to be paid; And performing a payment process corresponding to the bill in response to the payment request received from the user device of the payment target person.

In one embodiment, the step of authenticating the billing user includes comparing the business entity registration information with at least one of a representative name and a representative birth date retrieved from the NTS server, with the user information of the billing user.

In one embodiment, the business entity registration information includes authentication information of the billing user. The step of authenticating the charged user includes inquiring information from the IRS server using a scraping method using the authentication information.

In one embodiment, the bill includes advertisement information for one or more advertisers to be exposed to the payee. The billing and payment service method using a mobile device according to an embodiment of the present invention is a billing and payment service method using a mobile device that receives an advertisement fee corresponding to the advertisement information from the advertiser and receives at least one of the billing user and the payee corresponding to the bill And distributing the advertisement fee.

The billing and payment service method using a mobile device according to an exemplary embodiment of the present invention includes the steps of determining an affiliated business type of the billing user based on the business entity registration information of the billing user before distributing the advertisement charge; And transmitting the advertisement proposal information to one or more users corresponding to the related industry among the users authenticated by the billing and payment service system.

According to an embodiment of the present invention, a billing and payment service method using a mobile device includes receiving a third party payment request for the bill from a user device of the payment person; And transferring the bill to a user device of a user other than the payment target in response to the received third party payment request.

The billing and payment service method using a mobile device according to an exemplary embodiment of the present invention is a billing and payment service method using a mobile device in which a cash settlement approval number corresponding to a settlement amount is transmitted through communication with the IRS server in response to a payment process corresponding to the bill Receiving; And transmitting the cash receipt including the cash settlement approval number to the user device of the payee.

A computer program in accordance with one embodiment may be stored in a computer readable medium for execution of a billing and payment service method using a mobile device in combination with hardware in accordance with the above described embodiments.

According to the billing and payment service system and method using a mobile device according to an aspect of the present invention, a billing user corresponding to an individual business entity can easily send an invoice to a mobile device of a person to be paid through an authentication process for a business registration, The payment target person can easily pay the charged amount using the mobile device, so that the business of the individual business person can be activated and the existing payment method can be improved.

1 is a schematic block diagram of a billing and payment service system using a mobile device according to one embodiment.
2 is a flowchart of a billing and payment service method using a mobile device according to an embodiment.
3A and 3B are exemplary images illustrating a user interface (UI) on a user device by a billing and payment service method using a mobile device according to one embodiment.
4A and 4B are another exemplary images illustrating a UI on a user device by a billing and payment service method using a mobile device according to one embodiment.
5 is a flowchart of a billing and payment service method using a mobile device according to another embodiment.
6 is a flowchart of a billing and payment service method using a mobile device according to another embodiment.
7 is a flowchart of a billing and payment service method using a mobile device according to another embodiment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

1 is a schematic block diagram of a billing and payment service system using a mobile device according to one embodiment.

The billing and payment service system 30 according to the embodiments verifies whether the user is an individual business operator and provides the user with the authority to create and send a bill to another user (member or non-member), and the bill created by the member Is provided to the person to be paid, the person who is to be paid functions to easily make the remittance payment through the account information based on the provided bill. Referring to FIG. 1, the billing and payment service system 30 according to the present embodiment includes one or more user devices 11-13, 20, 40 and an external IRS server 50 through a wired and / Communication is possible. In one embodiment, the billing and payment service system 30 is configured to be capable of communicating with the financial institution server 60 as well.

Methods of communication over a wired and / or wireless network may include all communication methods that objects and objects can network and are not limited to wired communications, wireless communications, 3G, 4G, or otherwise. For example, a wired and / or wireless network may be a Local Area Network (LAN), a Metropolitan Area Network (MAN), a Global System for Mobile Network (GSM), an Enhanced Data GSM Environment (EDGE), a High Speed Downlink Packet Access (HSDPA) , W-CDMA (Code Division Multiple Access), CDMA (Code Division Multiple Access), TDMA (Time Division Multiple Access), Bluetooth, Zigbee, Wi-Fi, VoIP (Internet Protocol), LTE Advanced, IEEE 802.16m, WirelessMAN-Advanced, HSPA +, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB refers to a communication network by one or more communication methods selected from the group consisting of MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), World Interoperability for Microwave Access But is not limited thereto.

The billing and settlement service system 30 includes a user management section 31, a business entity management section 32, a billing information reception section 33, an bill management section 34 and a settlement section 35. In one embodiment, the billing and payment service system 30 further includes an advertisement manager 36. [

The billing and payment service system 30 according to embodiments may be entirely hardware, or may have aspects that are partially hardware and partly software. For example, each unit included in the billing and settlement service system 30 may collectively refer to hardware and related software for processing data of a specific type and content and / or for exchanging data in an electronic communication manner. The terms "part", "module", "device", "terminal", "server" or "system" are used herein to refer to a combination of hardware and software driven by that hardware. For example, the hardware may be a data processing device comprising a CPU or other processor. Also, the software driven by the hardware may refer to a running process, an object, an executable, a thread of execution, a program, and the like.

Further, each element constituting the billing and payment service system 30 according to the present embodiment is not intended to refer to a separate apparatus that is physically separated from each other. That is, the user management section 31, the business entity management section 32, the billing information reception section 33, the bill management section 34, the settlement section 35 and the advertisement management section 36 shown in FIG. Are functionally divided according to the operation performed by the corresponding hardware, and the respective components are not necessarily provided independently of each other. Of course, depending on the embodiment, at least one of the user management section 31, the business entity management section 32, the billing information reception section 33, the bill management section 34, the payment section 35 and the advertisement management section 36 physically It is also possible to implement them as separate devices which are distinguished.

Billing and payment service system 30 is configured to enable the performance of an application by communicating with an application (or an app) running on user devices 11-13, 20, For example, the user device 11-13, 20, 40 is provided with an application capable of executing an inter-personal mobile billing and payment service, and the billing and payment service system 30 is an application And can perform functions of an application service server.

The billing and settlement service system 30 may also include a billing and payment service system 30 that provides a web page accessible through a web browser running on the user devices 11-13, It can also perform functions of a web server. Although the user devices 11-13, 20 and 40 are shown in the form of a smartphone in FIG. 1, the form of the user device is not limited to a smart phone, and the user device may include other mobile communication terminals, may also be implemented in the form of any computing device such as a personal computer, a notebook computer, a personal digital assistant (PDA), a tablet, a set-top box for Internet Protocol Television (IPTV) have.

The user management unit 31 is a unit for storing user information of one or more users including a billing user and a payee. Herein, the billing user refers to an individual business operator who issues a bill to another user among the users of the service provided by the billing and payment service system 30, and the person to be paid is a person who receives goods or services from the individual business entity Refers to a customer who receives an invoice for payment of a fee.

Specifically, the user management unit 31 receives member subscription information such as a user's name, e-mail, and password from the user apparatus, and processes the service subscription. In addition, the user management unit 31 can receive settlement / deposit account information from a user who wishes to join as a member. When the user selects a bank and inputs an account number at this time, the user's real name is checked for the account number, The payment / deposit account information of the user can be registered as the user information. The settlement / deposit account information can be used without additional account information input after the user joins as a member, and can be used as a deposit account of a billing user or a remittance account of a person to be paid.

In Fig. 1, a user device 20 represents a device used by a billing user, and a user device 11-13 represents a device used by a person to be paid. The number of each user device shown in the figures is merely exemplary and does not limit the actual number of billing users or payees using the billing and payment service system 30. [

The business entity management unit 32 receives the business entity registration information from the user device 20 of the billing user and inquires the IRS server 50 using the business entity registration information and transmits the inquiry result to the user information management unit 31, To authenticate the billing user.

The billing information receiving unit 33 is configured to receive the billing information including the to-be-paid person information and the billing details from the user device 20 of the billing user corresponding to the individual business entity authenticated by the business entity management unit 32. [

In one embodiment, the billing information receiving unit 33 is a member for billing users who periodically make an invoice (for example, if the member himself or herself registers the billing date and time on the 10th day of each month, , It is possible to notify the user device 20 of the billing user of the arrival of the billing date and time at a specific date and time. In addition, the billing information receiver 33 may automatically provide a user interface for billing.

The bill management unit 34 is configured to generate an invoice based on the billing information received by the billing information receiving unit 33 and to transmit the bill to the user equipment 11-13 of the payee designated in the billing information. That is, the bill management unit 34 can generate billing information to be transmitted to the user device 11-13 of the person to be paid by using the billing content, the billing amount, the billing date, and the payment person information confirmed from the billing information.

Here, the bill management unit 34 can confirm the name, the ID, the telephone number, etc. of the person to be paid and confirm that the person to whom the person to whom the payment is made is a member who subscribes to the service of the billing and payment service system 30. [ When the person to be paid is confirmed as a member, the bill management unit 34 pushes a push notification to the user device 11 - 2 of the person to be paid so that the bill can be confirmed through the application installed in the user device 11 - 13).

On the other hand, if the person to be paid is not a service member, the bill management unit 34 creates a text message to be transmitted to the user device 11-13 of the payment user and provides the created text message to the terminal 160 of the requesting person . Here, the text message may include information indicating that an invoice has arrived and access information (e.g., a call-back URL) for subscription to a member. The person to whom payment is made may include a billing and payment service system 30 ) And receive the bill. For example, the person to be paid may receive the bill by accessing the billing and settlement service system 30 using the access information included in the SMS or the like. Alternatively, the person to whom the payment is made may check the bill through the application after installing the subscription and service application for using the billing and payment service system 30.

In one embodiment, the bill management section 34 may store the digital signature value by the person to be paid when the person to be paid receives the bill or when the person requests payment for the bill, for later proof. The electronic signature value stored at this time may include an electronic signature of the person to be paid and the bill combined with the time stamp indicating the electronic signature time point.

When the person to whom payment has been requested by the person who has received the bill requests payment for the bill, the payment unit 35 performs payment for the bill through communication with the user device 11-13 of the person to be paid, that is, Of the fund transfer. For example, the settlement unit 35 may withdraw the charge amount from the account registered by the person to whom the payment is made at the time of membership registration, and transfer the charge to the account of the charge user to perform settlement.

In one embodiment, the payment for the invoice may be made by a third party other than the person paying the payment. In this case, in response to the third party payment request received from the user device 11-13 of the person to be paid, the bill management section 34 can transmit the bill to the user device of the user other than the person to be paid. At this time, the settlement unit 35 can perform settlement processing through communication with the user apparatus of the other user.

Also, in one embodiment, the bill provided to the user device 11-13 of the payee includes advertising information to be exposed to the payee. The advertisement management unit 36 receives the advertisement fee for the advertisement information from the advertiser through the communication with the user device 40 of the advertiser and transmits the advertisement fee to the billing user and / To the person to be paid. In addition, the advertisement management unit 36 may transmit advertisement proposal information to one or more potential advertisers, which suggests that advertisements are placed on the invoices of other providers.

2 is a flowchart of a billing and payment service method using a mobile device according to an embodiment.

Referring to FIGS. 1 and 2, a user who wishes to use the billing and payment service system 30 according to the embodiments must first subscribe to the billing and payment service system 30 and input user information (S11 ). The input user information may include personal information such as the user's name, ID, password, and the like.

Next, an individual business entity that wishes to send an invoice to customers using the billing and settlement service system 30 according to the embodiments may transmit the business entity registration information to the billing and payment service system 30 (S12) It must be authenticated as a billing user by the payment service system 30. In this case, the billing user means a user who has authority to send the bill to another user through the billing and settlement service system 30. In the billing and payment service system 30 according to the embodiments, So that only authenticated users can issue bills to other users.

3A and 3B are exemplary images showing a user interface (UI) on a user device by a billing and payment service method using a mobile device according to an exemplary embodiment. Represents the UI of the screen for inputting information.

3A, an individual business operator can use a UI element 302 on his / her own device 20 to scan a bar code on a business registration certificate, The billing and settlement service system 30 may be configured to input the service provider registration information, the ID, the password, or the like, or a method of uploading the business registration image itself using the UI element 303. [ The company registration information to be transmitted may include a business number, a representative name, a date of birth of a representative, a gender division of a representative, a business type of a representative, a business category, and the like.

FIG. 3B shows an exemplary screen in which the individual business operator selects the UI element 302 shown in FIG. 3A and inputs the IRS authentication information and the business registration number.

Referring again to FIGS. 1 and 2, the billing and payment service system 30 receives business registration information from the user device 20 of the billing user as described above (S12), and uses the received business registration information The relevant information is inquired from the IRS server 40 (S13), and the inquiry result is compared with the billing user's user information to perform authentication for the billing user (S14).

In one embodiment, the billing and payment service system 30 queries information required for authentication by scrapping information from the NTS server 50 using the business entity registration information of the billing user. Scraping is a process of automatically performing a login process using authentication information in a web page such as a hometax page provided by the NTS server 50 and extracting only necessary information among information received from the server through a web page or displayed on the screen Technology.

Specifically, the billing and settlement service system 30 automatically logs in to the IRS home page using the authentication information of the individual business entity, receives the business entity registration certificate by applying for issuance of the business entity registration certificate, A business registration number, a representative name, a representative resident registration number, and a location of a business place (S13). At this time, the billing and settlement service system 30 may further inquire information on the type and type of the business entity, and information on whether the business is closed or closed.

Next, the billing and settlement service system 30 receives from the NTS server 50 information inquired by scraping or the like using the business entity registration information of the billing user and billing and payment service system 30, (S14). In this case, it is possible to verify whether the billing user is an individual business entity that normally conducts business by comparing the information of the billing user (S14).

For example, when the individual business operator is not in the closed or closed state and the representative name displayed at the IRS server 50 matches the user name of the user information entered at the time of membership of the user of the user device 20, The service system 30 can authenticate the user as a billing user. Alternatively, the billing and payment service system 30 may perform additional verification of the correspondence between the representative name and the billing user name as well as the correspondence of the representative's date of birth and / or the business location.

If the individual business entity is authenticated as a billing user, the billing and payment service system 30 can store the member's personal business verification history in association with the user information. Thereafter, the billing user may use the billing and payment service system 30 to send an invoice to his customers. To this end, the billing user may send billing information including the billing person information and billing details from the user device 20 to the billing and settlement service system 30 (S15). At this time, the payee information may be any information that can specify another user to receive the bill, such as name, ID, address, resident registration number, and the like. The billing details may include any information for specifying the billing amount and related goods or services, for example, billing contents, billing amounts, billing dates, and the like.

The billing and payment service system 30 generates an invoice to be sent to the person to be paid based on the information received from the billing user's user device 20 and sends the bill to the user device 11 of the paying user (S16).

4A and 4B are further illustrative images showing a UI on a user device by a billing and payment service method using a mobile device according to one embodiment, wherein the UI is displayed on the user device 11 of the payment user who has received the bill Displays the screen.

Referring to FIG. 4A, on the user device 11 of the user using the billing and payment service system 30, one or more bills 401-404 received from the billing user may be displayed with the user as the payee. Each bill 401-404 may be received from the same billing user, or may be received from a number of different billing users. In the display form as shown in FIG. 4A, each bill 401-404 may be displayed in a simplified form that displays only the billing item, amount, or some information of the issuer.

In one embodiment, the UI of the user device 11 of the user using the billing and payment service system 30 includes an area 400 where the electronic money information possessed by the user for use by the billing and payment service system 30 is displayed ). For example, the billing and payment service system 30 allows a user to purchase electronic money (e.g., points, etc.) available only in the billing and payment service system 30 using a payment means such as cash or a credit card, It is possible to make payment for the bill 401-404 using the electronic money.

However, this is an illustrative example, and the billing and settlement service system 30 may cause the settlement processing for the invoices 401-404 to be carried out directly by using cash or a credit card without the own electronic money. In this case, The area 400 of Figure 4 may be omitted from the UI displayed on the user device 11. [

FIG. 4B shows an exemplary screen when any one of the invoices 401-404 is selected on the screen shown in FIG. 4A.

As shown in FIG. 4B, the bill transmitted to the user device 11 of the person to be paid includes the billing information of the billing user who has transmitted the billing information, the billing information including the billing amount and the delivery date, Which may be displayed by dividing the regions 411 and 412, respectively, in the billing UI on the user device 11. [ In addition, the UI on the user device 11 includes an element 430 for the person to whom the person to be paid requests a settlement for the charged amount.

In addition, the billing UI on the user device 11 may include an area 413 in which additional information related to billing details is displayed. For example, the information displayed in the area 413 includes an element for requesting the issuance of a cash receipt for the payment amount by the person to whom payment is made, a factor for managing the payment object such as keeping or deleting the received bill, and / And an element for displaying the benefit according to the payment amount.

In addition, the billing UI on the user device 11 may include an area 420 for displaying advertisements of other legal entities or individual entrepreneurs other than the billing user issuing the bill. In this case, the billing and settlement service system 30 may receive a predetermined advertisement fee and include advertisement information of another corporation or an individual business operator in the bill of a specific individual business entity, and the advertisement may be displayed in an area 420 ) To the person to be paid. At this time, part of the paid advertisement fee may be distributed to the billing user who issued the illustrated bill, or to the person who paid the bill containing the advertisement, which will be described later in detail.

1 and 2, the billing and settlement service system 30 can receive a settlement request from the user device 11 of the person to be paid (S17). For example, the payment request of the person to be paid may be made using the element 430 of the billing UI on the user device as shown in FIG. 4B.

The billing and payment service system 30, which has received the payment request of the person to be paid, performs payment processing for the bill (S18). That is, the billing and settlement service system 30 executes the transfer of funds from the person to be paid to the billing user. At this time, the transfer of funds may be realized through communication with an external financial institution server 60, and the financial institution server 60 may be a bank or card company server.

For example, the person to whom payment is made may pre-purchase (or charge) the electronic money provided by the billing and settlement service system 30 by using cash or a credit card, and, when making payment for the received bill, You can pay the price by using. In this case, in the billing and settlement service system 30, the electronic money held by the person to be paid may be deducted by the settlement amount, and the cash or electronic money corresponding to the settlement amount may be paid to the billing user who issued the bill.

However, this is illustrative, and the transfer of funds for payment of the invoice may be done in a manner different from that described above, and payment may be made using only the electronic money managed by the billing and payment service system 30, Payment may be performed using only card settlement, or a combination thereof may be used.

In one embodiment, the billing and settlement service system 30 issues an electronic receipt for the payment details after the settlement processing and transmits the electronic receipt to the user device 11 of the person to be paid (S20). At this time, the billing and payment service system 30 may automatically issue a cash receipt for the payment amount and include it in the electronic receipt (S19). That is, the billing and settlement service system 30 automatically obtains an invoice from the IRS server 40 using the authentication information (e.g., telephone number) for issuing the cash receipt and the business entity registration information of the billing user in the user information of the person to be paid. The cash receipt approval number for the payment amount of the cash receipt.

5 is a flowchart of a billing and payment service method using a mobile device according to another embodiment. FIG. 5 shows an embodiment in which the bill provided to the user device of the person to be paid includes advertisement information and accordingly distributes the advertisement fee revenue.

Referring to FIG. 5, the billing and settlement service system 30 receives the billing information including the to-be-paid person information and the billing details from the user device 20 of the authenticated billing user (S21). Although the billing and payment service system 30 receives the billing information from a plurality of billing users who use the billing and payment service, although the billing and payment service system 30 is shown as a single device for convenience of explanation .

Next, the billing and payment service system 30 can use the information of the industry of each billing user and the information of the bill issued by the billing and payment service system 30 to determine the association between the types of billing users (S22). Some of the sectors of goods or services are closely related, and customers tend to use the goods or services of the related sector together.

For example, if the customer receiving the bill through the billing and payment service system 30 is a parent and the parent spends the cost to the school, the parent may also spend the books on the books for the purchase of the textbooks used by the school The possibility is high. Thus, an association between business types can be determined by analyzing invoices received by the same user from various individual providers. That is, if the persons who receive the invoice from the individual business operator who operates the institute receive the invoice at a high rate from another individual who sells the book, it can be judged that the academic business and book sales are related to each other.

The billing and payment service system 30 may transmit the advertisement proposal information to the billing user's user device 40 based on the related business type information determined in the above-described manner (S23). The advertisement proposal information is information for proposing that a billing user pays a predetermined advertisement fee and displays his / her advertisement information on the bill of another individual business entity. The advertisement proposal information may include business type information of an advertisement to be displayed, have.

For example, assume that the billing user who uses the user device 20 is a private business operating a school, and the billing user using the user device 40 is an individual business that sells books. At this time, the billing and settlement service system 30 receives the agreement on the advertisement on the bill from the individual business operator who operates the institute, and then transmits the business type information of the bill and the amount of the advertisement fee to the user device 40 of the individual business operator who sells the book, To suggest an advertisement to be displayed.

The billing and payment service system 30 may provide the billing and payment service system 30 with advertising information including images, text, video and / or audio associated with the advertisement to be served from the user device 40 (S24). The advertisement information is included in the bill and transmitted to the user device 11 of the paying user (S25). For example, the advertisement information may be displayed in the advertisement area 420 of the billing UI described above with reference to FIG. 4B.

On the other hand, the billing and settlement service system 30 receives an advertisement fee from an individual provider who has placed the advertisement (S26), and receives a part or all of the revenue corresponding to the paid advertisement fee from the users associated with the bill on which the advertisement is displayed, To the billing user and / or the person to be paid (S28, S29). That is, the billing and payment service system 30 distributes part of the revenue from the advertisement revenue to the billing user who issued the bill containing the advertisement, distributes the bill to the payment user who received the advertisement, .

The distribution of the advertising revenue may be in response to the paying user selecting and viewing the advertising link on the user device 11, or in response to the paying user receiving the bill on which the advertisement was placed , And is not limited to a specific method.

In one embodiment, the establishment and distribution of advertising revenue may be determined based on association and / or billing statistical information between businesses determined through the billing and payment service system 30. [

For example, the greater the number of invoices issued by a business operator corresponding to a billing user, the higher the expected effect of placing an advertisement on the invoice of the business entity from the viewpoint of the advertiser. Therefore, the higher the billing user's billing rate is, the higher the advertisement fee is paid from the advertiser, and / or the higher the billing user's billing rate is, the higher the ratio of the billing user to the billing user can be.

At this time, the number of the reference bills may be calculated by a mean value during a certain period (for example, monthly or yearly) of the bill issued through the billing and payment service system 30, but is not limited thereto.

In addition, the higher the degree of relevance of the business type between a business operator and an advertiser corresponding to a billing user, and the higher the expectation effect of the advertiser in the case of displaying an advertisement on the bill of the business operator. Thus, the higher the industry relevance between the billing user and the advertiser, the higher the advertising fee paid to the advertiser, and / or the higher the business relevance between the billing user and the advertiser, / RTI >

At this time, the business type association between the billing user and the advertiser can be calculated as a ratio of the business type in which the bill is issued to the same user among the billes issued through the billing and payment service system 30. For example, 30% of total users received both "computer sales" bills and "school management bills", but 90% of total users received "book sales" related bills and " "If you have received all the relevant bills, you can see that the" School Management Business "has a relatively high business relation with the" Book Sales "business and can set the distribution ratio of the advertisement fee and / or advertising revenue based on this.

6 is a flowchart of a billing and payment service method using a mobile device according to another embodiment. FIG. 6 shows an embodiment in which a person who has paid the bill receives the bill instead of directly paying the bill, and requests the settlement instead.

 6, the billing information including the to-be-paid person information and the billing details is received from the user device 20 of the authenticated billing user (S31), and the bill generated based on the billing information is transmitted to the user device 11 (S32).

At this time, in this embodiment, the payment user can request the billing and settlement service system 30 for the third party payment instead of paying for the bill on their own. At this time, the payment user can input the user information (for example, a mobile phone number, etc.) that can specify a third party to perform settlement to the billing and payment service system 30 to request third party settlement.

For example, if the billing user is an individual business operator who operates a private institute and the person to whom the payment is made is a minor student who attends the institute, the billing user once issues a bill for the student of the school, He or she may designate his or her parents as a third party to settle and request payment of a third party.

The billing and payment service system 30 may forward the bill to the third party user device 12 designated for payment (S34). At this time, the information transmitted to the third party user device 12 may completely include the billing information originally delivered to the person to be paid, or may include some of the billing information delivered to the person to be paid, for example, Billing amounts, etc., and may be in the form of a newly configured text message or push notification.

Alternatively, the bill delivered to the third party's user device 12 is in the form of access information (e.g., a URL) that allows a third party to view the bill information initially delivered to the payee, and the third party uses the contact information The billing and settlement service system 30, and the like. For example, the third party may access the billing and settlement service system 30 through the access information included in the SMS to check billing information. Alternatively, the third party may subscribe to the billing and payment service system 30 through the access information, install the service application, and receive the bill through the service application.

Next, the billing and settlement service system 30 receives a settlement request from the user device 12 of the third party having received the bill (S35), and transmits the settlement request to the financial institution server 60 or the like in response to the received settlement request The settlement processing can be performed through communication. This process may be the same as steps S17 and S18 of the above-described embodiment with reference to FIG. 2, so that detailed description is omitted.

After the settlement processing is completed, the billing and settlement service system 30 may include the electronic receipt in the user device 11 of the third party who made the settlement. In one embodiment, the electronic receipt may include a cash receipt approval number. Alternatively, the billing and payment service system 30 may transmit the electronic receipt to the user device 11 of the person to be paid who requested the third party payment.

7 is a flowchart of a billing and payment service method using a mobile device according to another embodiment.

 Referring to FIG. 7, the billing information including the to-be-paid person information and the billing details is received from the user device 20 of the authorized billing user (S41), and the bill generated based on the billing information is transmitted to the user device 11 (S42). Upon receiving the bill, the person to whom payment is made can input the electronic signature at the same time of requesting settlement of the bill (S43). The billing and settlement service system 30 executes the transfer of funds from the person to be paid to the billing user through communication with the financial institution server 60 (S44).

At this time, the billing and settlement service system 30 of this embodiment can store the digitally signed bill by the person to be paid in the billing and payment service system 30 (S45). At this time, the electronic signature may be a result of authenticating the settlement password set by the user in advance, or may be a certified electronic signature transmitted by inputting the password of the user with respect to the authorized certificate. The billing and payment service system 30 time stamps the bill received by the person to be paid and stores the time stamped bill in the billing and payment service system 30 with the electronic signature value combined with the electronic signature, In case of a future legal dispute, the electronic signature of the person to be paid may be used as evidence. To this end, the billing and payment service system 30 may receive the timestamp information to be combined with the bill through communication with an external time stamp providing server (not shown).

In the embodiment shown in FIG. 7, it has been described that the electronic signature is made at the time when the person to whom the bill is received requests payment for the bill. However, this is exemplary, and in other embodiments an electronic signature value may be used to prove the receipt of the person paying for the bill. That is, when the person to be paid receives the bill and inputs the digital signature, the electronic signature value including the time stamped billing and electronic signature at the time of the digital signature can be stored in the billing and payment service system 30. [ The billing and settlement service system 30 can allow the billing user to know the fact of receiving the bill of the person to be paid.

After the settlement processing, the billing and settlement service system 30 can issue an electronic receipt for the payment details and transmit it to the user device 11 of the person to be paid (S46). At this time, the billing and settlement service system 30 can transmit the information about the status or details stored in the billing and payment service system 30 together with the electronic signature together with the electronic receipt.

In addition, the billing and settlement service system 30 can transmit information on the reception status of the person to be paid to the user device 20 of the billing user (S47). For example, the information on the reception status of the person to be paid includes information on the result of the electronic signature of the person to be paid in the bill and information on the result of the payment and whether the bill with the electronic signature of the person to be paid has been stored in the billing and payment service system 30 And information on the storage history.

The operations by the billing and payment service method using the mobile device according to the embodiments described above can be at least partially implemented by a computer program and recorded on a computer readable recording medium. The program for implementing the operation by the billing and payment service method using the mobile device according to the embodiments is recorded and the computer readable recording medium includes all kinds of recording devices for storing data that can be read by the computer do. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment can be easily understood by those skilled in the art to which this embodiment belongs.

While the invention has been shown and described with reference to certain embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. However, it should be understood that such modifications are within the technical scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (15)

A billing and payment service system using a mobile device,
A user management unit storing user information of at least one user including a billing user and a payee;
A service management unit configured to receive the business entity registration information from the user device of the billing user and to authenticate the billing user by comparing the result of the inquiry of the NTS server using the business entity registration information with the user information of the billing user stored in the user management unit, ;
A billing history receiving unit configured to receive billing information including billing subject information and billing details from the user device of the billing user authenticated by the business entity management unit;
An invoice management unit configured to transmit an invoice generated based on the billing information to a user device of the person to be paid, the bill including information on one or more advertisers to be exposed to the payee;
A payment unit for performing a payment process corresponding to the bill in response to the payment request received from the user device of the person to be paid; And
And an advertisement management unit configured to receive an advertisement fee corresponding to the advertisement information from the advertiser and to distribute the advertisement fee to the billing user and the payee corresponding to the bill,
The bill exposed to the person to be paid includes a first region in which the business information of the charged user is displayed, a second region in which the billing information is displayed, a third region in which additional information related to the billing details is displayed, Is displayed,
The bill management unit,
Receiving from the user device of the person to be paid the electronic signature of the person to be paid, inputted in the user device of the person to be paid in response to receipt of the bill by the user device of the person to be paid,
Communicating with the time stamp providing server to stamp the time stamp at the time of inputting the electronic signature on the bill,
Wherein the timestamped bill stores an electronic signature value associated with the electronic signature in the billing and payment service system for proof of receipt,
And send information about the billing status of the person to be paid to the user device of the billing user,
Wherein the settlement unit communicates with the IRS server using the authentication information for issuing the cash receipt in the user registration information of the charged user and the user information of the person to be paid in response to the payment by the payment person, To receive the cash settlement approval number corresponding to the settlement amount and to transmit the electronic receipt including the cash settlement approval number to the user device of the payment subject,
The advertisement management unit,
A billing user who has received the bill corresponding to the billing user by using the business entity registration information of the billing user and the information of the billings generated by the billing management unit, The business type related to the business type of the billing user is determined based on the business type information of the billing user,
And transmits the advertisement proposal information to one or more users corresponding to the related business type among the users authenticated by the business entity management unit,
Further comprising: calculating an industry type association degree between the billing user and the advertiser based on the related business type, and increasing the advertisement fee distribution ratio with respect to the advertisement fee or the billing user,
Billing and payment service system using mobile device.
The method according to claim 1,
Wherein the business entity management unit further comprises: a billing and billing service using a mobile device configured to authenticate the billing user by comparing the business entity registration information with at least one of a representative name and a representative birth date displayed from the NTS server, Service system.
The method according to claim 1,
Wherein the business entity registration information includes authentication information of the billing user,
Wherein the provider management unit is further configured to inquire information from the IRS server using a scraping method using the authentication information.
delete delete The method according to claim 1,
Wherein the bill management unit is further configured to deliver the bill to a user device of a user other than the payee in response to a third party payment request received from the user device of the payee, Service system.
delete The billing and payment service system storing user information of one or more users including a billing user and a payee;
The billing and payment service system comprising: receiving business entity registration information from a user device of a billing user;
The billing and payment service system authenticating the billing user by comparing the result of the inquiry of the NTS server using the business entity registration information with user information of the billing user stored in the billing and payment service system;
Wherein the billing and payment service system comprises: receiving billing information including payee information and billing details from a user device of the billing user authenticated by the billing and payment service system;
Wherein the billing and payment service system transmits an invoice generated based on the billing information to the user device of the person to be paid, the bill being for exposure to the person to be paid, and includes advertisement information for one or more advertisers Said transmitting;
The billing and settlement service system receives from the user device of the person to be paid the electronic signature of the person to be paid entered in the user device of the person to be paid in response to receipt of the bill by the user device of the person to be paid ;
The billing and settlement service system communicating with a time stamp providing server, thereby sealing the time stamp of the time at which the electronic signature was entered on the bill;
Wherein the billing and payment service system is further configured to cause the billing and payment service system to store the time stamped digital signature value associated with the digital signature for proof of receipt for billing;
The billing and payment service system transmitting information on the billing status of the person to be paid to the user device of the billing user;
The billing and payment service system performing a payment process corresponding to the bill in response to the payment request received from the user device of the payee;
Wherein the billing and settlement service system uses the information of the billing information generated by the billing and payment service system of the billing user and the billing and payment service system of the billing user in advance of the billing users who have received the bill corresponding to the billing user Determining an affiliate business type for the business type of the charged user based on the business type information of the other charging users commonly received at a predetermined rate or more;
The billing and payment service system transmitting advertisement suggestion information to at least one user corresponding to the related business type among users authenticated by the billing and payment service system;
The billing and settlement service system receiving an advertisement fee corresponding to the advertisement information from the advertiser and distributing the advertisement fee to the billing user and the payee corresponding to the bill;
Wherein the billing and settlement service system further comprises a payment information receiving unit for receiving payment information from the billing and settlement service system using the authentication information for issuing the cash receipt from the business information of the billing user and the user information of the payment person, Receiving a cash settlement approval number corresponding to a settlement amount by communicating with an IRS server; And
Wherein the billing and settlement service system transmits an electronic receipt including the cash settlement approval number to the user device of the payment person,
The bill exposed to the person to be paid includes a first region in which the business information of the charged user is displayed, a second region in which the billing information is displayed, a third region in which additional information related to the billing details is displayed, Is displayed,
Wherein distributing the advertisement fee comprises:
Wherein the billing and payment service system comprises: calculating a business type association degree between the billing user and the advertiser based on the affiliated business type; And
Wherein the billing and payment service system includes a step of increasing the rate of distribution of the advertisement fee or the advertisement fee to the billing user as the business type association is higher.
Method of billing and payment service using mobile device.
9. The method of claim 8,
Wherein the step of authenticating the billing user comprises the step of comparing one or more of the representative name searched by the NTS server and the month of the representative year with the user information of the billing user, And payment service method.
9. The method of claim 8,
Wherein the business entity registration information includes authentication information of the billing user,
Wherein the step of authenticating the billing user comprises the step of inquiring information from the IRS server in a scraping manner using the authentication information.
delete delete 9. The method of claim 8,
Wherein the billing and settlement service system comprises: receiving a third party payment request for the bill from a user device of the payee; And
Wherein the billing and payment service system further comprises the step of delivering the bill to a user device of a user other than the payee in response to the received third party payment request. Service method.
delete A computer program stored in a computer readable medium in combination with hardware for executing a billing and payment service method using a mobile device according to any one of claims 8 to 10 and 13.

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