KR20020007025A - Billing system and method thereof - Google Patents

Abstract

PURPOSE: A billing system and method are provided to let a client conveniently recognize and pay the billing statement by offering a billing statement and paying that via a wireless communication device and to prevent the arrear of settlement. CONSTITUTION: The system includes plural applicant company servers(3) providing service and goods to a client and taking prices, a wireless communication company server(5) to which the client subscribe, a client wireless communication device(7) through which the client receives the communication service from the wireless communication company, a financial company server(9) with which the client opens an account, and a billing company server(1) providing the billing statement from the applicant company to the client and making the payment possible. The billing server includes an applicant company communication unit, a communication company communication unit, a financial company communication unit, a client database, a billing statement database, and a control unit. The billing statement received from the applicant company server is stored in the billing statement database and informed to the wireless communication company server. If the volume of the data of the billing statement is large, simply the essential information is advised to the client.

Description

Billing notification system and its method {BILLING SYSTEM AND METHOD THEREOF}

The present invention relates to a billing notification system and a method thereof, and more particularly, by providing a billing history of a customer through a wireless communication device and enabling payment, so that billing history can be easily recognized and settled. To a billing notification system and method thereof.

In general, as an independent member of a society, you are obliged to pay utility bills and fees according to the services or contracts you enjoy. Utility bills are payments for services provided by the state or certain agencies, and various charges include card payments for goods purchased by credit and charitable donations. Here, the utility bills and card charges are collected and charged every month or quarter, and most of the billing methods are usually mailed out by bills or bills called bills.

The payer who receives the Jiro paper pays the amount by visiting the financial institution's sales counter or by applying for direct debit to the financial institution. Some utility bills can also be paid by credit card. If you apply for direct debit to a financial institution, you only need to check the balance of your direct debit account so that you do not have to visit the financial institution. If you pay by credit card, the payment period is extended until the card is charged. It is effective. On the other hand, in recent years, as the banking through the Internet becomes possible, a payment method such as payment of utility bills and the like through the Internet has been proposed, and in some cases, a bill is provided by the payer's e-mail via the Internet.

However, the date of payment of such utility bills and card payments varies depending on the choice of each institution or payer. Therefore, it is very cumbersome to pay utility bills and card payments in accordance with the settlement date, and often the settlement date has elapsed. When the settlement date has elapsed, the payer has a problem of additionally paying a certain percentage of the penalty. On the other hand, bills are always sent in the mail, so the charges for sending mail are excessive in the country or each institution. Even if you provide bills over the Internet, you will need to check your e-mail to get a breakdown of your bills, and only a few companies offer them.

Accordingly, it is an object of the present invention to provide a billing notification system and method for easily recognizing payment bill details and preventing overdue payment.

1 is a block diagram of a billing notification system according to the present invention,

2 is a configuration diagram of a billing notification server of FIG. 1;

3 is a configuration diagram of a screen of a wireless communication device in a state where payment billing details are delivered to the wireless communication device of FIG. 1;

Figure 4 is a flow chart illustrating a notification process of payment billing details by the billing notification system according to the present invention.

<Description of the symbols for the main parts of the drawings>

1: Billing Server 3: Billing Server

5: Wireless communication company server 7: Customer wireless communication device

9: financial institution server 10: control unit

11: Customer Database 13: Billing Company

15: communication company communication department 19: financial institution communication department

The object is, according to the present invention, a customer database that stores information about a customer including a customer's wireless communication device telephone number and the billing company name specified by the customer; A billing history database storing payment billing details provided from the billing company designated by the customer; And a control unit for providing the payment bill details through the wireless communication device of the corresponding customer based on the customer database and the billing history database.

Here, the controller may allow the customer to select whether the payment is made or not, so that the payment may be made.

The control unit transfers the payment from the account of the customer's trading financial institution to the billing company's account when the customer's payment is selected, or to the server of the financial institution through the wireless communication device of the customer when the customer's payment is selected. By linking, payment can be simplified.

On the other hand, the above object, according to another field of the invention, the step of receiving payment billing history from a specific billing company specified by the customer; It can also be achieved by the billing notification method comprising the step of providing the billing payment details received from the billing company through the wireless communication device of the customer.

Here, it is preferable to further include the step of allowing the customer to choose whether or not to pay the payment.

The payment further comprises the step of transferring the payment from the account of the customer opened in the financial institution to the account of the billing company or connecting to the server of the financial institution through the wireless communication device of the customer, Can be easily done.

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

The billing notification system, as shown in Fig. 1, provides a billing server (3) of a plurality of billing companies that provides and pays for a certain service or item to a customer, and wireless communication of a wireless carrier to which the customer subscribes. The company server 5, the customer wireless communication device 7 provided with the communication service by the wireless communication company, the financial institution server 9 of the financial institution where the customer's account is opened, and the payment price from the billing company. It includes a billing server (1) of the billing company to provide the details to the customer and payment of the payment.

The claimant may be a public company, such as a state or local government that collects utility bills, KEPCO, Korea Water Resources Corporation, Health Insurance Corporation, Korea Telecom Corporation, or National Pension Corporation, or a general company such as a credit card company or a department store have. The billing company prepares the details of the payment to be collected from the customer, and provides the billing server (1) through the billing server (3).

A wireless carrier generally refers to a mobile carrier that provides a wireless Internet, and a provider of a satellite communication service may be provided in addition to the wireless internet.

Billing firms communicate with billers, wireless carriers and financial institutions to share information about their customers. Billing server 1, as shown in Figure 2, for communication with the billing company communication unit 13 for communication with each billing company, and the wireless communication company server 5 of the wireless communication company to which the customer subscribed The communication company communication unit 15 and the financial institution communication unit 19 for communication with the financial institution server 9 in which the customer's account is opened. The billing server 1 includes a customer database 11 in which information of each customer is stored, a billing database 14 in which payment billing details provided from a billing company are stored, and a billing company and a wireless communication company through each communication unit. And a control unit 10 for controlling communication with each server of the financial institution.

The billing server 1 receives the billing history of the customer from the billing company server 3 through the billing company communication unit 13 and stores it in the billing history database 14, and the control unit 10 stores the billed billing stored. The details are provided to the wireless telecommunication company server 5 through the telecommunication company telecommunication unit 15. In this case, the control unit 10 may provide all of the billing details of the billing to the wireless telecommunication company server 5, or may notify only the main information of the billing details of the billing when the amount of data of the billing details is large. . The main information can be configured with the billing company name and the total bill amount, and like the normal text message or voice message, it can be immediately confirmed without entering a separate password.

In this case, when only the main information is notified of the payment bill details, if the customer wants to check the detailed details, the detailed information can be checked by accessing the billing server 1 directly through the wireless Internet. When the customer accesses the billing server 1, an ID and a password are input for the confidentiality of the customer. When the customer is allowed to access the billing server, the customer checks the billing details and selects whether to pay the bill.

On the other hand, when the billing billing details are notified directly to the wireless communication device (7), a message requesting the input of a password is displayed along with a message that is scheduled to transmit the billing billing details for the confidentiality of the customer. The password is predetermined by the customer and stored in the billing server 1, and is transmitted to the wireless carrier server 5 together with the billing details. Accordingly, when the customer enters the password, the wireless communication company checks the password and transmits the billing details to the wireless communication device 7 only if the password matches. Along with these billing details, a message is sent to the wireless communication device 7 to select whether or not to pay the bill, and the customer confirms the billing details and selects a button of the wireless communication device 7. Choose whether to pay according to. The customer's choice is input to the wireless carrier server 5 and then notified to the billing server 1 via the carrier carrier 15.

On the other hand, the customer may set the payment price of a particular billing company is always automatically settled, in this case, if the customer checks the payment billing history, the payment price is settled.

When the customer selects the payment, the control unit 10 of the billing server 1 withdraws the customer's account stored in the customer database 11, and withdraws the payment from the customer's account to the corresponding financial institution server 9 Request a transfer to the claimant's account. At this time, if the information about the account is not stored in the customer database 11, the control unit 10 requests to enter the account and password of the customer's trading financial institution. In addition, when the customer selects the payment, the controller 10 may directly connect to the financial institution server 9 selected by the customer so that the customer can directly perform the transfer. On the other hand, it is also possible to pay the settlement price using a credit card, it is also possible to connect to the billing server (1) or the financial institution server (9) to pay later.

The notification process of the billing notification system by such a configuration is as follows. If the customer wants to automatically receive the billing billing history of a particular billing company, when you apply to the billing company, the customer's information is recorded in the customer database (11). The billing company contracts with the billing company in advance to provide the customer's billing details, and the billing company provides the billing company with the billing company at an appropriate time according to the billing company's billing date. Will be provided. When the billing server customer billing history is provided to the billing server (1) through the billing company communication unit (13) (S10), the control unit 10 transmits the billing billing history to the wireless carrier through the wireless carrier server (5) It transmits (S20).

The wireless carrier server 5 requests the input of a password along with a message that the billing details will be transmitted to the wireless communication device 7 of the customer (S30). S40), as shown in Figure 3, and transmits the customer billing history (S50). If it does not match, give the opportunity to enter the password a plurality of times (S41), and if not matched to end yet does not transmit the billing history (S42). At the end of the billing billing history, a message asking whether to pay the bill 'press the' * 'button' is displayed (S60), and when the customer selects the '*' button, the selection signal is a wireless carrier. The server 5 is transferred to the billing server 1.

Then, a message requesting the input of the transaction financial institution name, the account number, and the password is displayed through the wireless communication device 7 (S70), and when the customer completes the input, the input content is transmitted to the billing server 1. . The control unit 10 of the billing server 1 requests the financial institution server 9 of the financial institution to withdraw the payment from the customer's account and transfer it to the billing company's account (S80). Once the transfer is completed, the billing server 1 stores in the billing database 14 that the payment is completed, and transmits that the payment is completed to the wireless carrier server (5). In addition, the wireless communication company server 5 notifies the wireless communication device 7 of the customer that the payment is completed (S90). On the other hand, since the customer does not have a bill or receipt, if the customer requests the billing server at any time, the billing server sends a receipt of the appropriate form to the customer based on the payment completion information stored in the billing database (14) Will be provided.

As described above, in the present invention, the billing details of utility bills and various charges are provided to the customer through the wireless communication device 7, and the payment of the payment price is also possible through the operation of the wireless communication device 7. Doing.

Therefore, the customer can be provided with billing details of utility bills and various charges without being restricted by time and space, and can settle the payment in real time without limitation of time and space. Accordingly, it is possible not only to provide convenience for payment of the customer's payment price, but also to prevent a penalty such as a penalty due to missed payment date, a service interruption or registration as a credit failure due to the late payment. On the other hand, billing companies that charge utilities or charges do not have to send a separate bill in the mail, it is possible to reduce the costs due to mailing. In addition, since the billing bill is not sent by mail, the billing server stores the billing details and payment status, so that the customer does not need to manage the receipt.

As described above, according to the present invention, by providing the billing history of the customer through the wireless communication device, it is possible to easily recognize the billing history of payment and to prevent the overdue of the payment.

Claims (8)

A customer database storing information about the customer including the customer's wireless communication device telephone number and the billing company name specified by the customer; A billing history database storing payment billing details provided from the billing company designated by the customer; And a controller configured to provide the payment bill details through a wireless communication device of the customer based on the customer database and the billing database. The method of claim 1, The control unit billing notification system, characterized in that the customer to select whether or not to pay the payment. The method of claim 2, The control unit billing notification system, characterized in that for transferring the payment payment from the account of the customer's trading financial institution to the account of the billing company at the time of payment selection of the customer. The method of claim 2, The control unit, billing notification system, characterized in that connected to the server of the financial institution through the customer's wireless communication device when the payment is selected. Receiving payment billing history from a specific billing company designated by the customer to the customer; Billing notification method comprising the step of providing the billing payment details received from the billing company through the wireless communication device of the customer. The method of claim 5, And allowing the customer to select whether or not to pay the bill. The method of claim 6, Billing notification method further comprises the step of transferring the payment from the account of the customer opened in the financial institution to the account of the billing company when the payment is selected. The method of claim 6, Billing notification method further comprising the step of connecting to the server of the financial institution through the wireless communication device of the customer when the payment selection of the customer.