KR102092833B1 - System and method billing and payment using mobile devices and computer program for the same - Google Patents

Abstract

The 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 payment target; A business owner management unit configured to receive business registration information from the user device of the billing user and compare the result of querying the IRS server with the business registration information to user information of the billing user stored in the user management unit to authenticate the billing user ; A billing history receiving unit configured to receive billing information including billing target information and billing information from the user device of the billing user authenticated by the business management unit; A bill management unit configured to transmit the bill generated based on the billing information to the user device of the payment target; And in response to the payment request received from the user device of the payment target, it may include a payment unit for performing a payment processing corresponding to the bill. Using the billing and payment service system, an individual business operator can easily send a bill to a mobile device of a payment target through an authentication process for business registration, and a payment target can easily pay a billed amount using a mobile device. By doing so, it is possible to promote the business of individual operators.

Description

System and method for billing and payment service using mobile device, and computer program therefor {SYSTEM AND METHOD BILLING AND PAYMENT USING MOBILE DEVICES AND COMPUTER PROGRAM FOR THE SAME}

Embodiments relate to a billing and payment service system and method using a mobile device, and a computer program therefor, in more detail, a billing user can easily send a bill to a mobile device of a payee, and the payee can use the mobile device The present invention relates to a technology for providing a billing and payment service using a mobile device capable of easily paying a billed amount and distributing advertisement revenue related to the bill.

Currently, most of the consumption expenditures, both online and offline, are made by means of a card such as a credit card or check card. The price of card transactions is increasing every year, and in particular, in the case of check cards, the proportion of check card payments among card payments continues to expand due to the administrative advantage that can be spent only in cash holdings and tax benefits at the end of the year. Is becoming. However, online payment based on a check card is inconvenient to enter card information directly.

On the other hand, in recent years, a variety of simple payment services have appeared in the face of the fintech era. The simple payment service is to register a card or account in advance, and to make a payment without exposing the card or account information through a previously registered password or a one-time authentication number during actual payment.

However, to date, fintech technology is only applied to remittances between individuals, and thus fintech technology has not been widely used in the billing and settlement process between operators and customers. Currently, the payment process between large business operators and customers is usually done through direct contracts between business operators and financial institutions or through VAN (Value Added Network), and in the case of small and medium-sized enterprises, customers are billed using the banking service of financial institutions that are resold. And payment. However, there has not been a fintech service for individual businesses that enables operators to easily handle billing and payment processes between customers.

Patent Publication No. 10-2003-0012912

According to one aspect of the present invention, the billing user can easily send the bill to the mobile device of the payee, the payee can easily pay the billed amount using the mobile device, and distribute the advertising revenue associated with the bill. It is possible to provide a billing and payment service system and method using a mobile device, and a computer program therefor.

According to an embodiment, a billing and payment service system using a mobile device includes: a user management unit in which user information of one or more users including a billing user and a payment target is stored; A business owner management unit configured to receive business registration information from the user device of the billing user and compare the result of querying the IRS server with the business registration information to user information of the billing user stored in the user management unit to authenticate the billing user ; A billing history receiving unit configured to receive billing information including billing target information and billing information from the user device of the billing user authenticated by the business management unit; A bill management unit configured to transmit the bill generated based on the billing information to the user device of the payment target; And a payment unit that performs payment processing corresponding to the bill, in response to a payment request received from the user device of the payment target.

In one embodiment, the business management unit is further configured to authenticate the billing user by comparing the business registration information with one or more of the representative name and the date of birth of the representative that are queried from the IRS server.

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

In one embodiment, the bill is intended to be exposed to the payment target and includes advertising information for one or more advertisers. At this time, according to an embodiment, the billing and payment service system using a mobile device receives payment of an advertisement fee corresponding to the advertisement information from the advertiser, and the advertisement user corresponds to the bill among the billing user and the payment target And an advertisement management unit configured to distribute to one or more.

In one embodiment, the advertisement management unit determines an associated industry type for the claiming user's industry based on the business registration information of the claiming user, and one corresponding to the relevant industry among users authenticated by the business management unit It is further configured to transmit the advertisement proposal information to the above user.

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

In one embodiment, the payment unit receives a cash payment approval number corresponding to the payment amount through communication with the IRS server in response to payment of the payment by the payment target, and the cash payment approval number It is further configured to transmit a cash receipt containing a to the user device of the payment target.

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 an embodiment, a billing and payment service method using a mobile device includes: storing user information of one or more users including a billing user and a payment target; Receiving business registration information from a user device of a billing user; Authenticating the billing user by comparing the result of querying the IRS server with user information of the billing user stored in the billing and payment service system using the business registration information; Receiving billing information including payment target information and billing information from a user device of the billing user authenticated by the billing and payment service system; Transmitting a bill generated based on the billing information to a user device of the payment target; And in response to a payment request received from the user device of the payment target, performing payment processing corresponding to the invoice.

In one embodiment, the step of authenticating the billing user includes comparing the business registration information with one or more of the representative name and the date of birth of the representative retrieved from the IRS server.

In one embodiment, the business registration information includes authentication information of the billing user. At this time, the step of authenticating the billing user includes querying information from the IRS server in a scraping method using the authentication information.

In one embodiment, the bill is intended to be exposed to the payment target and includes advertising information for one or more advertisers. At this time, according to an embodiment, a method for a billing and payment service using a mobile device receives payment of an advertisement fee corresponding to the advertisement information from the advertiser, and is provided to at least one of the billing user and the payment target corresponding to the bill. And distributing the advertisement fee.

According to an embodiment, a billing and payment service method using a mobile device may include determining, prior to distributing the advertisement fee, an associated industry for the claiming user's industry based on the business registration information of the claiming user; And transmitting advertisement proposal information to one or more users corresponding to the related industry among users authenticated by the billing and payment service system.

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

According to an embodiment, a billing and payment service method using a mobile device, in response to a payment processing corresponding to the invoice, is performed through communication with the IRS server to receive a payment authorization number corresponding to the payment amount. Receiving; And transmitting the cash receipt including the cash payment approval number to the user device of the payment target.

The computer program according to an embodiment may be stored in a computer-readable medium as a combination of hardware and for executing a billing and payment service method using a mobile device according to 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 a personal business can easily send a bill to a mobile device of a payment subject through an authentication process for business registration, By allowing the payment target to easily pay the billed amount using a mobile device, there is an advantage of promoting the business activation of an individual business operator and improving the existing payment method.

1 is a schematic block diagram of a billing and payment service system using a mobile device according to an 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 showing a user interface (UI) on a user device by a billing and payment service method using a mobile device according to an embodiment.
4A and 4B are another exemplary image showing a UI on a user device by a billing and payment service method using a mobile device according to an 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 an embodiment.

The billing and payment service system 30 according to the embodiments verifies whether the user is a private business and provides a user with the authority to create and send a bill to another user (member or non-member), and the bill written by the member who is the private business. When is provided to the payment target, it functions to enable the payment target to easily transfer payment through account information based on the bill provided above. 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 / or wireless network. It is configured to enable communication. In one embodiment, the billing and payment service system 30 is configured to also communicate with the financial institution server 60.

The communication method through the wired and / or wireless network may include an object and all communication methods through which the object can be networked, and is not limited to wired communication, wireless communication, 3G, 4G, or other methods. For example, wired and / or wireless networks include Local Area Network (LAN), Metropolitan Area Network (MAN), Global System for Mobile Network (GSM), Enhanced Data GSM Environment (EDGE), and High Speed Downlink Packet Access (HSDPA). , Wideband Code Division Multiple Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Zigbee, Wi-Fi, VoIP (Voice) over Internet Protocol), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced, HSPA +, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB (formerly EV-DO Rev. C), Flash-OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), World Interoperability for Microwave Access (Wi-MAX), and ultrasonic communication refers to a communication network by one or more communication methods selected from the group consisting of communications. However, it is not limited thereto.

The billing and payment service system 30 includes a user management unit 31, a business management unit 32, a billing information receiving unit 33, a bill management unit 34, and a payment unit 35. In one embodiment, the billing and payment service system 30 further includes an advertisement management unit 36.

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

In addition, each element constituting the billing and payment service system 30 according to the present embodiment is not intended to refer to separate devices that are physically separated from each other. That is, the user management unit 31, the operator management unit 32, the billing information receiving unit 33, the bill management unit 34, the payment unit 35, and the advertising management unit 36 of FIG. 1 are billing and payment service systems 30 ) Is only functionally divided according to the operation performed by the hardware, and each part is not necessarily provided independently of each other. Of course, depending on the embodiment, one or more of the user management unit 31, the operator management unit 32, the billing information receiving unit 33, the bill management unit 34, the payment unit 35, and the advertising management unit 36 are physically mutually It is also possible to implement separate devices.

The billing and payment service system 30 is configured to enable functioning of the application by communicating with an application (or an app) running on the user devices 11-13, 20, and 40. For example, an application capable of executing an interpersonal mobile billing and payment service is installed on the user devices 11-13, 20, and 40, and the billing and payment service system 30 is an application that enables the operation of the application. It can perform the function of a service server (Application Service Server).

Or / and, in addition, the billing and payment service system 30 is a web providing a predetermined web page accessible through a web browser or the like executed on the user devices 11-13, 20, and 40. It can also perform the function of a server (web server). In FIG. 1, the user devices 11-13, 20, and 40 are shown in the form of a smart phone, but the form of the user device is not limited to a smart phone, and the user device may include other mobile communication terminals, personal computers ( It may be implemented in the form of any computing device, such as a personal computer, a notebook computer, a personal digital assistant (PDA), a tablet, or a set-top box for IPTV (Internet Protocol Television). have.

The user management unit 31 is a part that stores user information of one or more users including a billing user and a payment target. In the present specification, a billing user refers to a personal business operator that issues a bill to another user among users of a service provided by the billing and payment service system 30, and the payment target is a product or service provided by the personal business operator. Refers to a customer who receives an invoice for payment of fees.

Specifically, the user management unit 31 receives member subscription information such as a user's name, email, and password from the user device and processes service membership. In addition, the user management unit 31 may receive payment / deposit account information from a user who wants to join as a member. At this time, when the user selects a bank and enters an account number, the real name for the account number is inquired, and ARS authentication is performed. For example, the user's payment / deposit account information may be registered as user information. The payment / deposit account information can be used without additional account information after the user has signed up as a member, and it can also be used as a depositing account of the billing user or a remittance account of the payment target.

In FIG. 1, the user device 20 represents a device used by a billing user, and the user device 11-13 represents a device used by a payment target. The number of each user device shown in the figures is merely exemplary and does not limit the actual number of billing users or payable users using the billing and payment service system 30.

The business management unit 32 receives business registration information from the user device 20 of the billing user, queries the IRS server 50 using the business registration information, and stores the search results in the user management unit 31 It is configured to authenticate the billing user by comparing with.

The billing information receiving unit 33 is configured to receive billing information including payment target information and billing information from the user device 20 of the billing user corresponding to the personal business authorized by the business management unit 32.

In one embodiment, the billing information receiving unit 33 is a member who periodically fills out a bill corresponding to the billing user (such as the 10th of each month, the member himself or herself registers the date of billing, or based on the member's billing history) Can be determined), it is possible to notify the user device 20 of the billing user at a specific date and time that the billing date and time has arrived. In addition, the billing information receiving unit 33 may automatically provide a user interface for billing.

The bill management unit 34 is configured to generate a bill based on the bill information received by the bill information receiving unit 33 and transmit it to the user device 11-13 of the payment target designated in the bill information. That is, the bill management unit 34 may generate bill information to be transmitted to the user device 11-13 of the payee using the billing information, billing amount, billing date, and the like, which are confirmed from the billing information, and the payee information.

Here, the bill management unit 34 may check the name, ID, and telephone number of the person to be paid to determine whether the person to be paid is a member who has subscribed to the service of the billing and payment service system 30. When the payment target is confirmed to be a member, the bill management unit 34 sends a push notification to the user device of the payment target 11- so that the bill can be checked through an application installed on the user device 11-13 when registering as a member. 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 written text message to the terminal 160 of the respondent You can. Here, the text message may be configured to include information indicating that the invoice has arrived and access information for membership registration (eg, call-back URL, etc.), and the payment target is a billing and payment service system 30 through access information ) To receive the invoice. For example, the payment target can be provided with a bill by accessing the billing and payment service system 30 using the access information included in the SMS or the like. Alternatively, the person to be paid can also check the bill through the application after installing the member subscription and service application to use the billing and payment service system 30.

In one embodiment, the bill management unit 34 may store the electronic signature value by the payment target when the payment recipient receives the bill or when requesting payment for the bill for future proof. In this case, the stored electronic signature value may include an invoice combined with a timestamp indicating the time point of the electronic signature, and an electronic signature of the person to whom payment is made.

The payment unit 35, when the payment recipient who received the bill requests payment for the bill, payment to the bill through communication with the user device 11-13 of the payment target, that is, from the payment target to the billing user It is configured to carry out the transfer of funds. For example, the payment unit 35 may perform payment by withdrawing the bill amount from the account registered at the time of membership registration and remitting it to the billing user's account.

In one embodiment, the payment for the bill may be made by a third party who is not the subject of payment. In this case, the bill management unit 34 may deliver the bill to the user device of a user other than the payment target, in response to the third party payment request received from the payment target user device 11-13. At this time, the payment unit 35 may perform payment processing through communication with the user device of the other user.

In addition, in one embodiment, the bill provided to the user device 11-13 of the payment target includes advertisement information for exposure to the payment target. The advertisement management unit 36 receives an advertisement fee for displaying advertisement information from an advertiser through communication with the advertiser's user device 40, and the claimed user associated with the advertisement containing the advertisement information and / or It is configured to be distributed to the payment target. In addition, the advertisement management unit 36 may transmit advertisement proposal information to one or more potential advertisers, which suggests placing advertisements on bills of other operators.

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

1 and 2, a user who wants to use the billing and payment service system 30 according to the embodiments must first sign up for membership in the billing and payment service system 30 and input user information (S11). ). In this case, the user information to be input may include personal information such as a user's name, ID, and password.

Next, by using the billing and payment service system 30 according to the embodiments, a private business operator who wants to send invoices to customers, bills and transmits business registration information to the billing and payment service system 30 (S12) The billing user must be authenticated by the payment service system 30. At this time, the billing user refers to a user who has the authority to send a bill to another user through the billing and payment service system 30, and the billing and payment service system 30 according to the embodiments authenticates business registration information. Then, only authorized 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 embodiment, which is necessary for an individual operator to authenticate as a billing user Shows the UI of the screen for entering information.

Referring to FIG. 3A, an individual business operator scans a barcode on a business registration certificate using a UI element 301 on his / her user device 20, and an IRS authentication information of an individual business operator using the UI element 302 (for example, , ID, password, etc., or by using the UI element 303 to upload the business registration image itself, the business registration information can be transmitted to the billing and payment service system 30. The transmitted business registration information may include the business number, the name of the representative, the date of birth of the representative, the gender classification of the representative, the industry type of the representative, the business status, and the like.

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

Referring back 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 searched result is compared with the user information of the billing user to perform authentication for the billing user (S14).

In one embodiment, the billing and payment service system 30 uses the business registration information of the billing user to query information required for authentication by scraping information from the IRS server 50. Scraping is an automatic login process using authentication information on a web page, such as a hometax page provided by the National Tax Service server 50, and extracting only necessary information from information displayed on the screen or received from the server through a web page. Technology.

Specifically, the billing and payment service system 30 automatically logs in to the IRS home tax page using the authentication information of the individual business operator, applies for issuance of the business registration certificate, receives the business registration certificate, and the business operator listed on the business registration certificate The company's name, business registration number, representative's name, representative's resident registration number, and business location are received (S13). At this time, the billing and payment service system 30 may further inquire information about the type and type of the operator or whether the business is closed.

Next, the billing and payment service system 30 is the information retrieved by scraping using the business registration information of the billing user from the IRS server 50 and the billing user received when registering as a member of the billing and payment service system 30 By comparing the information of the billing user can perform authentication as to whether or not the individual business owner who normally runs the business is correct (S14).

For example, if an individual business operator is not in a closed or closed state and the representative name retrieved from the IRS server 50 matches the user name of the user information entered when the user of the user device 20 is registered, billing and payment The service system 30 may authenticate the user as a billing user. Alternatively, the billing and payment service system 30 may perform additional verification on whether the representative's date of birth and / or the business location are consistent, in addition to whether the representative's name and the claim user's name are identical.

When an individual business operator is authenticated as a billing user, the billing and payment service system 30 may store a member's personal business verification history in association with user information. Subsequently, the billing user can send the bill to his customers using the billing and payment service system 30. To this end, the billing user may transmit billing information including payment target information and billing history from the user device 20 to the billing and payment service system 30 (S15). At this time, the payment target information may be any information that can specify another user to receive the bill, for example, name, ID, address, social security number, and the like. In addition, the billing history is arbitrary information for specifying the billing amount and related goods or services, and may include, for example, the billing content, the billing amount, the billing date and the like.

In the billing and payment service system 30, based on the information received from the billing user's user device 20, a bill for sending to a payee is generated, and the generated bill is sent to the paying user's user device 11 It can be (S16).

4A and 4B are another exemplary image showing a UI on a user device by a billing and payment service method using a mobile device according to an embodiment, and displayed on a user device 11 of a paying user who receives a bill Screen.

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

In one embodiment, the UI of the user device 11 of the user using the billing and payment service system 30 is an area 400 in which electronic money information held by the user for use of 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 (eg, points, etc.) only available in the billing and payment service system 30 using payment means such as cash or credit card, Payment can be made for the bills 401-404 using the electronic money.

However, this is an example, and the billing and payment service system 30 may directly perform payment processing for the bills 401-404 using cash or a credit card, etc., without independent electronic money. In the UI displayed on the user device 11, the region 400 of FIG. 4 may be omitted.

FIG. 4B shows an exemplary screen when any one bill 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 is billing information including the business information of the billing user who sent the bill, the item or service item to be billed, and the amount and delivery date for the bill Including, such information may be displayed by dividing the areas 411 and 412 in the invoice UI on the user device 11, respectively. In addition, the UI on the user device 11 includes an element 430 for a payment target to request payment for the billed amount.

In addition, the invoice UI on the user device 11 may include an area 413 in which additional information related to the billing history is displayed. For example, the information displayed in the area 413 includes an element for requesting a payment receipt to issue a cash receipt for a payment amount, an element for managing such as storage or deletion of a received bill, and / or payment target It may include an element to indicate the benefits according to the payment amount.

In addition, the invoice UI on the user device 11 may include an area 420 for displaying advertisements of other corporations or individual businesses in addition to the invoice user issuing the invoice. In this case, the billing and payment service system 30 may receive a predetermined advertisement fee and include advertisement information of other corporations or individual businesses in the bill of a specific individual business operator, and such advertisements may include an area 420 as shown in FIG. 4B. ). At this time, a part of the paid advertisement fee may be distributed to the billing user who issued the illustrated bill, and / or to the person who paid the bill that included the advertisement, which will be described in detail later.

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

The billing and payment service system 30 that receives the payment request of the payment target performs payment processing for the bill (S18). That is, the billing and payment 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 a credit card server.

For example, the payment target person purchases (or recharges) electronic money provided by the billing and payment service system 30 in advance using cash or credit card, and holds the electronic money retained when making payment for the received bill. You can pay by using. In this case, the billing and payment service system 30 may deduct the electronic money held by the payment target by the payment amount, and may pay cash or electronic money corresponding to the payment amount to the billing user who issued the bill.

However, this is exemplary, and the transfer of funds for payment of the bill may be made in a different way from the above, and payment is performed using only electronic money managed by the billing and payment service system 30, or cash or credit. Payment may be performed using only card payment, or a combination of these may be used.

In one embodiment, the billing and payment service system 30 issues an electronic receipt for payment details after payment processing and transmits it to the user device 11 of the payment target (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 payment service system 30 automatically uses the authentication information (eg, a phone number) for issuing a cash receipt from the user information of the payment target and the business registration information of the billing user, and automatically invoices from the IRS server 40 You can receive the cash receipt authorization number for the payment amount of.

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

Referring to FIG. 5, the billing and payment service system 30 receives billing information including payment target information and billing information from the user device 20 of the authenticated billing user (S21). In the drawing, the user device 20 of the person to be billed is shown as one device for convenience of explanation, but the billing and payment service system 30 may receive such billing information from multiple billing users using the billing and payment service. You can.

Next, the billing and payment service system 30 can use the business information of each billing user and the information of bills issued by the billing and payment service system 30 to determine the association between the billing users' industries. Yes (S22). Some areas of goods or services are closely related to each other, and customers tend to use goods or services in related fields together.

For example, if a customer who receives a bill through the billing and payment service system 30 is a parent, and the parent has paid for the school, the parent will also pay for books to purchase textbooks used by the school. It is likely. Therefore, it is possible to determine the association between industries by analyzing invoices received from various individual operators by the same user. In other words, if the payment recipients who received the bill from the private business operator operating the school received the bill at a high rate from another private business selling the book, it can be determined that the business management of the school and the business of selling the book are related industries.

The billing and payment service system 30 may transmit the advertisement proposal information to the user device 40 of the billing user based on the related industry information determined as above (S23). The advertisement proposal information is information for suggesting that the billing user pays a predetermined advertisement fee and posts his / her advertisement information on another individual's invoice, and may include information on the type of advertisement and the amount of the advertisement fee for the advertisement to be advertised. have.

For example, it is assumed that the billing user using the user device 20 is a private business operator operating an academy, and the billing user using the user device 40 is a personal business selling books. At this time, in the billing and payment service system 30, after receiving the consent for the advertisement to be posted on the bill from the individual business operator operating the school, the user device 40 of the personal business operator selling books and the like, the amount of the industry and the amount of advertising charges on the bill It can be suggested that the advertisement be posted by sending it to.

If a private business that sells books agrees to the advertisement, the billing and payment service system 30 may include advertisement information including images, text, video, and / or audio, etc. associated with the advertisement to be displayed from the user device 40. Receives (S24), and includes this advertisement information on the bill, and transmits it to the user device 11 of the paying user (S25). For example, advertisement information may be displayed in the advertisement area 420 of the invoice UI described above with reference to FIG. 4B.

On the other hand, the billing and payment service system 30 receives the advertisement fee from the individual operator who posted the advertisement (S26), and a part or all of the revenue corresponding to the paid advertisement fee are users associated with the advertisement invoice, that is, It can be distributed to the billing user and / or the payee (S28, S29). That is, the billing and payment service system 30 distributes a portion of the advertisement fee revenue to the billing user who issued the bill with the advertisement, or to the paying user who received the bill showing the advertisement, or to all of them. You can.

The distribution of the advertising revenue may be made in response to the payment user selecting and viewing the advertisement link on the user device 11, or in response to the payment user receiving the invoice for which the advertisement was placed, itself. , Is not limited in any particular way.

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

For example, the greater the number of bills issued by a business operator corresponding to the billing user, the higher the expected effect of placing an advertisement on the bill of the business operator. Accordingly, the higher the number of billing users 'bills is issued, the higher the advertising fee is paid from the advertiser, and / or the greater the number of billing users' bills is issued, the higher the advertising revenue can be distributed to billing users when the ads are posted on the bill.

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

Or, the higher the industry association between the advertiser and the advertiser corresponding to the billing user, the higher the expected effect of placing the advertisement on the bill of the advertiser. Therefore, the higher the industry association between the billing user and the advertiser, the higher the advertising fee is paid from the advertiser, and / or the higher the industry association between the claiming user and the advertiser, the higher the advertising revenue to the claiming user when serving ads on the bill. Can be distributed.

In this case, the degree of industry association between the billing user and the advertiser may be calculated as a percentage of the type of industry in which the bill is issued to the same user among bills issued through the billing and payment service system 30. For example, 30% of total users received both “computer sales” and “school management” bills, but 90% of total users accounted for “book sales” and “school management” "If all related invoices have been received, the" school management business "is considered to have a relatively high business association with the" book sales "industry, and based on this, the distribution ratio of advertisement fees and / or advertisement revenues may be established.

6 is a flowchart of a billing and payment service method using a mobile device according to another embodiment. 6 shows an embodiment in which a payment recipient who receives a bill wants to request payment by transferring the bill to a third party instead of paying the bill directly.

 Referring to FIG. 6, the user device 20 for receiving a bill generated based on the billing information is received (S31), and the billing information including the billing target information and the billing information from the user device 20 of the authorized billing user ( 11).

At this time, in this embodiment, the paying user may request a third-party payment to the billing and payment service system 30 instead of paying for the bill itself. At this time, the paying user may request third-party payment by inputting user information (for example, a mobile phone number, etc.) capable of specifying a third party to perform payment on his behalf in the billing and payment service system 30.

For example, if the billing user is a private business that runs an academy and the payee is a minor student attending the academy, the billing user once issues a bill to a student of the academy, and the student, who is a minor, checks the bill You may be able to request a third-party payment by designating your parents as a third-party to pay.

The billing and payment service system 30 may deliver the bill to the user device 12 of a third party designated for payment (S34). At this time, the information transmitted to the user device 12 of the third party may completely include the bill information initially delivered to the payee, or some of the bill information delivered to the payee, such as the billing user's information and billing history, It may be in the form of a newly constructed text message or push notification by extracting the bill amount.

Alternatively, the bill delivered to the user device 12 of the third party is in the form of access information (for example, a URL) that allows a third party to view the bill information first delivered to the payee, and the third party uses the access information By accessing the billing and payment service system 30, it is also possible to check the billing information delivered to itself. For example, the third party may access the billing and payment service system 30 through the access information included in the SMS and check the billing information. Alternatively, a third party may be registered as a member of the billing and payment service system 30 through the access information and install the service application, and then receive the bill through the service application.

Next, the billing and payment service system 30 receives a payment request from the user device 12 of the third party receiving the bill (S35), and the financial institution server 60, etc. in response to the received payment request Payment processing can be performed through communication. Since this process may be the same as steps S17 and S18 of the above-described embodiment with reference to FIG. 2, detailed description thereof will be omitted.

After payment processing is performed, the billing and payment service system 30 may include an electronic receipt in the user device 11 of the third party who has performed the payment. In one embodiment, the electronic receipt may include a cash receipt approval number. Alternatively, the billing and payment service system 30 may transmit an electronic receipt to the user device 11 of the payment target 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 user device 20 for receiving a bill generated based on the billing information is received (S41), and the billing information including the billing target information and the billing information is received from the user device 20 of the authorized billing user (S41) 11). The person to whom payment is received may request the payment for the bill and input the electronic signature (S43). In the billing and payment service system 30, the transfer of funds from the person to be paid to the billing user is performed through communication with the financial institution server 60 (S44).

At this time, the billing and payment service system 30 of the present embodiment may store the electronically signed bill by the payment target in the billing and payment service system 30 (S45). At this time, the digital signature may be a result of authenticating the payment password set in advance by the user, or it may be a publicly-signed digital signature transmitted by inputting the user's password for the official certificate. The billing and payment service system 30 stamps the timestamp on the bill received by the person to be paid, and stores the electronic signature value in which the bill with the timestamp is combined with the digital signature in the billing and payment service system 30, In the case of legal disputes that may occur in the future, it is possible to use the electronic signature of the invoice to be paid as proof. To this end, the billing and payment service system 30 may receive timestamp information to be combined with the bill through communication with an external timestamp providing server (not shown).

In the embodiment shown in FIG. 7, it has been described that an electronic signature is made at a time when a payment recipient who receives a bill requests payment for the bill. However, this is exemplary, and in other embodiments, the digital signature value may be used to verify the receipt of the person who pays the bill. That is, when a person to be paid receives a bill and inputs an electronic signature, the electronic signature value including the invoice and the electronic signature stamped with the timestamp at the time of the electronic signature may be stored in the billing and payment service system 30. The billing and payment service system 30 may allow the billing user to know that the billing target has received the bill.

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

In addition, the billing and payment service system 30 may transmit information on the payment recipient's reception state to the user device 20 of the billing user (S47). For example, the information on the reception status of the payment target is information about the result of the payment being made by the electronic signature of the payment target on the bill, and whether the bill that became the electronic signature of the payment target is stored in the billing and payment service system 30 It may include information about whether or not and storage history.

The operation by the billing and payment service method using a mobile device according to the above-described embodiments may be at least partially implemented as a computer program and recorded in a computer-readable recording medium. A program for implementing an operation by a billing and payment service method using a mobile device according to embodiments is recorded, and a computer-readable recording medium includes all types of recording devices in which data that can be read by a computer is stored. do. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, and optical data storage devices. The computer-readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. In addition, functional programs, codes, and code segments for implementing the present embodiment will be readily understood by those skilled in the art to which this embodiment belongs.

The present invention described above has been described with reference to the embodiments shown in the drawings, but this is only exemplary, and those skilled in the art will understand that various modifications and modifications of the embodiments are possible therefrom. However, it should be considered that such modifications are within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be defined by the technical spirit of the appended claims.

Claims (15)

As a billing and payment service system using a mobile device,
A user management unit in which user information of at least one user including a billing user and a payment target is stored;
A business owner management unit configured to receive business registration information from the user device of the billing user and compare the result of querying the IRS server with the business registration information to user information of the billing user stored in the user management unit to authenticate the billing user ;
A billing history receiving unit configured to receive billing information including billing target information and billing information from the user device of the billing user authenticated by the business management unit;
Sending a first bill generated based on the billing information to the user device of the payment target, and in response to a third party payment request received from the user device of the payment target, claim user information from the first bill, A bill management unit configured to extract a billing history and a bill amount, and configure a second bill including information to be delivered to a user device of a user other than the payment target, and to deliver the second bill to the user device of the other user; And
In response to the payment request received from the user device of the other user, including a payment unit for performing a payment processing corresponding to the second bill,
The bill management unit,
In response to the first bill being received by the user device of the payment target, the electronic signature of the payment target input to the user device of the payment target is received from the user device of the payment target,
The timestamp at the time when the electronic signature is input is imprinted on the first bill by communicating with the timestamp providing server,
The first bill stamped with the time stamp stores the digital signature value combined with the electronic signature in the billing and payment service system for proof of receipt of the bill,
It is further configured to transmit information on the payment recipient's first bill receipt status to the billing user's user device,
The first bill receiving status information includes whether the first bill, which is the electronic signature of the payment target, is stored in the billing and payment service system, and information about the storage history in the billing and payment service system. Including,
Billing and payment service system using a mobile device.
delete delete delete According to claim 1,
The payment unit receives a cash payment approval number corresponding to the payment amount through communication with the IRS server in response to payment of the payment by the other user, and a cash receipt including the cash payment approval number Billing and payment service system using a mobile device, further configured to transmit the payment to the user device or the user device of the other user.
A 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 receiving business registration information from a user device of the billing user;
Authenticating the billing user by comparing the result of querying the IRS server using the business registration information with the billing and payment service system user information of the billing user stored in the billing and payment service system;
The billing and payment service system receiving billing information including payment target information and billing information from a user device of the billing user authenticated by the billing and payment service system;
Transmitting, by the billing and payment service system, a first bill generated based on the billing information to a user device of the payment target;
The billing and payment service system, in response to the first bill being received by the user device of the payment target, receives the electronic signature of the payment target input from the user device of the payment target from the user device of the payment target. Receiving;
The billing and payment service system, by communicating with a time stamp providing server, the step of imprinting the time stamp of the time when the electronic signature is input to the first bill;
Storing, by the billing and payment service system, the first bill stamped with the timestamp in an electronic signature value combined with the digital signature in the billing and payment service system for proof of receipt of the bill;
Transmitting, by the billing and payment service system, information on the first bill receipt state of the payment target to the user device of the billing user; the billing and payment service system is from the user device of the payment target, Receiving a third party payment request for the first bill;
The billing and payment service system, in response to the received third-party payment request, extracts billing user information, billing history, and billing amount from the first bill and delivers it to a user device of a user other than the payment target Constructing a second bill containing information to be;
The billing and payment service system delivering the second bill to the user device of the other user; And
The billing and payment service system, in response to the payment request received from the user device of the other user, comprising the step of performing a payment process corresponding to the second bill,
The first bill receiving status information includes whether the first bill, which is the electronic signature of the payment target, is stored in the billing and payment service system, and information about the storage history in the billing and payment service system. Including,
Billing and payment service method using a mobile device.
delete delete delete The method of claim 6,
The billing and payment service system receiving, in response to the payment processing corresponding to the second bill, a cash payment approval number corresponding to the payment amount through communication with the IRS server; And
The billing and payment service system, further comprising the step of transmitting the cash receipt containing the cash payment authorization number to the user device of the payment target or the user device of the other user, Billing and payment service method using a mobile device .
A computer program stored in a computer-readable medium to execute a billing and payment service method using a mobile device according to claim 6 or 10 in combination with hardware. delete delete delete delete

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