KR20020083667A - Integrated billing system - Google Patents

Abstract

PURPOSE: A total billing system is provided to realize the security, and to prevent the denial of a transaction by providing the billing notification and the billing information to a bank, and by encoding the communication content and making an electronic signature on the basis of an authorized certificate. CONSTITUTION: A billing relay system notifies the billing notice report through an Internet banking service by transforming the billing content into a standard report and transmitting the transformed billing content to a bank host, and generates a standard of the transaction report for the external computing network. A report encoding system prevents the intrusion of an external hacker and an illegal user and carries out the security relating to the billing payment. A trouble management system monitors the operation state of each process, transmits the report between the processes, and carries out the recovery when a trouble is occurred. Respective systems are constructed and operated as a total billing system.

Description

Integrated billing system

The present invention relates to an integrated billing system, which is connected to a financial institution host server and a specific company's integrated billing system, and delivers (billed) billing bills, such as utility bills and bills, to the payer through bank internet banking. The payer of the billing statement retrieves the information from the database of the billing institution through the billing service of the bank internet banking, searches the billing history of the (bill) billing statement, and then pays the billed amount on the web. The present invention relates to an integrated billing system in which a real time transfer is made to a billing account issuing institution's settlement account after withdrawing a corresponding bill from a payer's account using a banking system.

On the other hand, the present invention is not affected by the various types of transactions and billing types generated by the connection between the financial institution's computer system and the billing institution, the integrated database with a standardized business process techniques to determine the current status of obstacles Implement technology to monitor in real time and analyze and resolve the data, and also provide data integrity with user authentication by certificate of digital signature accredited certification authority and certificate-based digital signature for information security management by providing billing information and payment result. And an integrated billing system that combines non-closure and cryptographic functions for transaction facts.

In general, conventional (billing) billing (hereinafter referred to as 'billing', 'billing' and 'billing' are used in the same concept) storage is as shown in Figure 1a in the billing institution giro (GIRO) ) When the bill is sent and the payer pays the utility bill at the financial institution's counter, the financial institution computerizes the bill and sends the bill for the financial settlement accountant to the financial settlement agency, and the financial settlement agency sends the billing transaction information to the charging institution.

Alternatively, the Internet billing system previously filed by the applicant of the present application (application number: 10-2000-0029491) is provided with the billing information of the billing institution through the web site of the billing institution as shown in FIG. It is automatically debited and the billing agency is notified of the payment result.

However, in the conventional billing method as described above, financial institutions, financial settlement agencies, billing issuing institutions, and payers have many inefficient and wasteful factors in terms of time and cost in billing and receipt. There was a problem that burdened the institution and the payer.

In addition, the existing Internet billing system is required to develop a system that can improve the utility bill payment can be made only through a website operated on the Internet web.

Accordingly, the present invention complements and expands the Internet billing system created to solve the above problems, and provides billing notices and billing information to the bank so that utility bills can be paid through the bank internet banking system. The purpose of this system is to provide an integrated billing system that performs security disclaimer on the safety and transaction facts by encrypting and digitally signing the communication contents based on the accredited certificate.

Another object of the present invention is to create a unified standardized utility bill full message in utility bill storage by integrating common sectors by billing, standardizing payer information contents, and setting a fully-encrypted specialty domain to prevent hackers from invading from the outside. Operating a disaster recovery management system that supports the processing status and unprocessed status of utility bills transactions with external computer networks, and enables quick recovery in the event of a failure, and keeps the entire transaction in an integrated database and specializes in handling utility bills. In addition to the division, considering the scalability of future work, it is possible to separate each system management department and provide a modular system that can be independently executed as a separate function, thereby reducing investment cost and convenience and flexibility of maintenance and management. Providing integrated billing system There in the ball.

In addition, another object of the present invention is to connect to a bank host and billing bills (billing bills) such as utility bills and bills bills to the payer through the bank Internet banking service, the bill payer is the corresponding payer of the bank Internet Through banking's billing service, you can retrieve information from (Public) billing institution's database to view billing details of (Public) billing statement and use the bank's Internet banking system to pay bills on the web. The present invention has been completed for the purpose of providing an integrated billing system in which real time transfer is made to a billing account issuing institution's payment account after withdrawing the billing amount.

1A is a conceptual diagram of a conventional (empty) billing flow and is a conceptual diagram of a general (empty) billing flow.

1B is a conceptual diagram of a conventional (public) billing flow and a conceptual diagram of a (public) billing flow by an existing Internet billing system.

2 is a block diagram of an integrated billing system according to the present invention

3 is a conceptual diagram showing a payment flow of utility bills as a procedure flow chart of an integrated billing system according to the present invention.

4 is a basic configuration of the integrated billing system according to the present invention

5 is an internal configuration of the integrated billing system according to the present invention

6 is a flowchart illustrating the operation of the integrated billing system according to the present invention.

7A is a conceptual diagram illustrating the operation of the integrated billing system of the present invention.

7b is a conceptual diagram illustrating the operation of the integrated billing system of the present invention.

7c is a conceptual diagram illustrating the operation of the integrated billing system of the present invention.

The integrated billing system according to the present invention for achieving the above object is a standard full text of the billing bill statement contents while using the certificate system of the digital signature accredited certification authority for the management of subscriber information security according to the use of billing services through the bank Internet banking Standardization of transaction specialization with external computer network such as transfer to bank host and notification through bank internet banking service and conversion of billing usage information from billing institution's database to standard full text when paying bill It provides a billing relay system, a professional encryption system for preventing the intrusion of external hackers and illegal users, security related to bill payment, and a fault management system for monitoring the operation status of processes, delivering professional messages between processes, and recovering from failures. Wherein each of the systems is one Integrated operate are built as an integrated billing system, at the option of the operator and the user of the respective systems are the features of the invention that is configured to be separated into individual modular operating system alone.

In a preferred embodiment of the present invention, the payer pays the billed amount on the internet web through the bank internet banking.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the integrated billing system according to the present invention.

2 is a block diagram of the integrated billing system according to the present invention, Figure 3 is a flow chart of the utility bill payment flow diagram as a procedure flow diagram of the integrated billing system according to the present invention.

4 is a basic configuration diagram of the integrated billing system according to the present invention, FIG. 5 is an internal configuration diagram of the integrated billing system according to the present invention, and FIG. 6 is an operation flowchart of the integrated billing system according to the present invention.

7A to 7C are conceptual views illustrating the operation of the integrated billing system provided in the present invention. FIG. 7A is a full text of integrated billing standard, FIG. 7B is a full text of integrated billing system encryption, and FIG.

First, referring to FIG. 5, the integrated billing system according to the present invention standardizes the billing payment statement contents while using the certificate system of an electronic signature accredited certification authority for the management of subscriber information security according to the use of billing services through bank internet banking. Standardization of transaction specialization with external computer networks such as conversion to full text and transfer to bank host, notification through bank internet banking service, and conversion of billing usage information from billing institution's database to standard full text upon payment. Billing relay system to create and professional encryption system to prevent the invasion of external hackers and illegal users, and security related to bill payment, and fault management system for monitoring the operation status of processes, professional transmission between processes and recovery in case of failure. It is configured to include.

The failure management system and the billing relay system constitute a billing integrated relay system, and the billing integrated relay system includes a specialized management system.

The input / output management system, billing screen management system, and specialized encryption system constitute a billing web server, and the billing web server includes a communication network management system.

The billing integrated relay system and billing web server constitute an integrated billing system of the present invention, which is connected to a bank host and a billing institution system.

The failure management system of the integrated billing relay system is connected to the monitoring system, and the communication network management system of the billing web server is connected to the financial institution system and the billing institution system, respectively.

Referring to FIG. 2, the integrated billing system includes a mail server, a billing integrated relay system, a web server for integrated billing, and a communication server (C / S) corresponding to a communication network management system.

The bank host and billing system are linked to the integrated billing system through a communication server. The integrated billing system is linked to the security system, and the security system is linked to the authentication server, firewall, and intrusion detection system.

Banks are comprised of Internet banking systems, bank hosts and web servers, which are linked to the financial community and integrated billing systems. Users can access billing information provided by the integrated billing system through the billing service after accessing Internet banking through the Internet.

Referring to Figure 3, according to the integrated billing system of the present invention, the payer is provided with the billing payment information of the billing institution provided by the integrated billing system using the bank Internet banking, the payer pays the bill on the Internet web bank Internet banking system The bank transfers the funds directly to the financial institution, and the financial institution sends the billing result to the billing institution.

In the integrated billing system of the present invention, referring to FIG. 4, the utility bill payer is provided with a certified certificate of a bank, and the utility billing institution and the integrated billing system are provided with a certificate from an authorized certificate issuing system. Utility bill payers apply to join banks, financial institutions, and billing institutions, and utility bill payers and Internet banking systems perform electronic signatures / verifications / payments according to utility bill payments through the Internet.

The integrated billing system provides banks with integrated billing information. The bank internet banking system performs online payments with financial institutions, and the integrated billing system and billing institutions exchange payer registration and utility bill information. Integrated billing systems and financial institutions inform billing institutions of the results of payments.

Referring to FIGS. 5 and 6, in the standardized culture of the communication management system of the billing web server and the failure management system of the billing integrated relay system, as shown in FIG. 7A, the standardization processing of the professional standardization and the inter-professional communication are achieved. Will be.

In the full text tracking of the billing relay system and the professional encryption system, the full text is monitored based on the full text tracking management number as shown in FIG. 7A. Fault management of billing relay system and I / O system includes O / S management, log management, process management, database management, network management and user management.

According to Fig. 7, the full-tracking management number and the full text of the present invention are achieved. The full text includes the front transaction text and the back transaction text, hidden data, and full text encryption by a cryptographic algorithm.

The initial transaction preamble default value is set, and a value calculated by calculating a special value of the previous preamble by a cryptographic algorithm is set.

The last transaction preamble is set by encrypting a special value to be encrypted for a transaction to be generated immediately after the last preamble default value is set. Hidden data is encrypted and hidden in the hidden data to maintain the continuous guarantee of continuous transactions.

As the full-text encryption by the encryption algorithm, encryption is performed in 128-bit units from the full text and denial-blocking is performed from the certificate-based digital signature. A financial institution tracking management number system, a billing institution tracking management number system, and a form for assigning a professional tracking number for each transaction occurrence are shown in FIG. 7C.

In order to implement the present invention as described above, in order to implement the professional security of the bank and the billing institution, it is necessary to implement a unified and standardized professional form regardless of the kind of utility bills.

That is, the standardized telegram converts the telegram of the external computer network into a standard telegram in the utility web server communication management system as shown in FIG. Billing relay system that supports effective operation of User Interface Channel, and disability management that provides immediate response to computational disorders by providing real-time information on the delivery process and fault status of each specialist in an integrated billing system It is a system that provides a system and exchanges information with an external computer network.It is composed of a professional encryption system that compresses and encrypts a text message, monitors the deformation state of data, and monitors the interconnection status with a communication counterpart in order to maintain the integrity of the transaction. do.

As described in detail above, the integrated billing system provided by the present invention can expect a number of effects by taking advantage of all the advantages of the Internet billing system that the applicant has applied for and linking these billing functions to bank Internet banking. .

In other words, on the bank side, the Internet banking service is expanded to increase the number of Internet banking members, improve the image of the bank, and increase the billing fee.

In addition, the billing institution can reduce the cost of notification, secure existing Internet banking members as billing members, facilitate the fund management by reducing the settlement period, and facilitate the receipt and non-payment management by providing statistical data quickly.

In addition, the convenience of the payer is increased by allowing the payer to handle both billing and other banking services through the bank Internet banking.

The present invention basically also gives the following effects.

First, in the integrated billing system of the present invention, the existing business process processed in an independent form for each utility bill transaction integrates common parts for each utility bill, and the specialized data for each utility bill is set in a standardized specialized area to establish a transaction expertise with an external computer network. Since it can be produced inside the integrated billing system, the number of transaction specialists can be drastically reduced to simplify the user interface channel, which not only actively responds to the increase in the billing workload, but also the time required for the billing process. The cost reduction and operating costs are greatly reduced, and integrated management of billing work with various external computer networks, and unprocessed status are integrated in the fault management integrated database, and the monitoring system provides real-time information on the process and fault status to provide immediate response in case of failure. Tooth There is a point.

In addition, according to the present invention, the payer does not have to be restricted by time and space for paying the utility bills, and the payer does not have to keep a long-term utility bill in preparation for the complaint, and the utility bill information is searched through the Internet. This eliminates the need for issuing payment notices, and by making payments via the Internet, can significantly reduce the amount of work involved in the collection of utility bills by financial institutions. Risk can be eliminated.

In addition, according to the present invention, it is possible to omit the task of computerizing the window storing result in the financial settlement agency, etc., thus eliminating duplication of the task according to the utility bill storing task, thereby greatly reducing the manpower input and costs, and thus, the effect is realized. Invention.

Claims (1)

In order to manage subscriber information security through the use of billing services through bank internet banking, the billing bill is converted into a standard text message and transferred to the bank host by using the digital signature accreditation certificate system. And billing relay system that converts the billing history information from the billing institution's database to the standard full text at the time of bill payment and transfers it to the bank and generates standardization of the full text of transactions with the external computer network, Specialized encryption system for preventing the invasion of external hackers and illegal users and for security related to payment It includes a failure management system for monitoring the operation status of processes, transferring the expertise between processes, and recovering from failures. The fault management system and billing relay system constitute a billing integrated relay system including a professional management system, The input / output management system, billing screen management system, and professional encryption system constitute a billing web server, and the billing web server includes a communication network management system. An integrated billing system is configured by the billing integrated relay system and the billing web server, and the integrated billing system is connected to a bank host and a billing institution system. The failure management system of the billing integrated relay system is connected to the monitoring system, The communication network management system of the billing web server is connected to the financial institution system and the billing institution system, respectively. The integrated billing system includes a mail server, a billing integrated relay system, a web server for integrated billing, and a communication server (C / S) corresponding to the communication network management system, The mall bank host and billing institution system is linked to the integrated billing system through the communication server, the integrated billing system is linked to the security system, and the security system is linked to the authentication server, firewall, and intrusion detection device. The bank comprises an internet banking system, a bank host and a web server, which are linked to a mutual financial common network and an integrated billing system, The integrated billing system is connected to a bank host to provide billing information to deliver the billing bill of the payer to the payer through the bank Internet banking, and to search the billing agency database to query the billing history, The payer is an integrated billing system, characterized in that to pay the payment amount according to the payment notice online through the bank Internet banking system on the Internet Web, and also transfer the payment result to the billing institution through an integrated billing system.