KR20050000643A - Electronic bulletin and settlement service system - Google Patents

Abstract

PURPOSE: A system for an electronic billing/settlement service of various public charges is provided to remove user's inconvenience for paying the public charge and enable a provider to reduce time/expense for receiving the public charges by processing settlement on a corresponding settlement day based on information registered from the user in response to settlement approval of the user. CONSTITUTION: A user system(100) is equipped with an application program for advancing processes for registering user information and an electronic public charge billing application, receiving settlement particulars information from a public charge settlement system(200), and performing the settlement approval for the received settlement particulars information. The public charge settlement system includes a web server(210), an application program server(220), and a database(230). The operation management server manages/operates connection of the user. The application program server includes a process for providing the user with a public charge informing/settling server by receiving settlement information from a provider system(300).

Description

Electronic bulletin and settlement service system

The present invention relates to a system related to the notification and payment of various bills, so that the user to notify the user of the billing details of the bills to the corresponding provider for payment processing, so that the payment can be processed according to the user's payment approval It relates to an electronic notification and payment processing service system.

At present, the supplier uses a method of sending a bill of use to each user by mail, and the user pays utility bills using giro paper at the financial institution and the receiving place, or transfers the bills sent by mail. Payment is made using an online financial settlement system.

In this manner, the supplier has a huge cost and time, such as issuing and managing the usage statement to be delivered to the user, and there are complaints related to the wrong usage statement.

In addition, when paying at a financial institution using Giro paper, the user must visit the financial institution directly, and the financial institution takes considerable waiting time, which is inconvenient. It must be paid.

In addition, from the financial institution's point of view, the time loss on behalf of the utility billing operation occurs, causing a problem in performing the financial business.

In addition, when using a wire transfer, it is necessary to set up an account transfer with each individual supplier and financial institution, and inconvenient to notify the relevant institution individually when changing the trading financial institution and changing information such as address.

In the present invention, the user registers his basic information and electronic utility billing information in the utility billing payment system, and the utility billing payment system is provided with information about utility bills from the corresponding supplier in the utility billing payment system, and provides the user with payment history information of various utilities. By notifying the user of the payment, the user can make financial settlement on the payment date based on the information registered by the user according to the approval of the payment, thereby eliminating the inconvenience of paying the user's utility bills, It is to provide a system that can reduce the cost, time of the collection work.

1 is a view schematically showing a processing procedure of the present invention electronic payment and payment processing service system.

Figure 2 is a block diagram showing the configuration of the electronic notification and payment processing service system of the present invention.

Figure 3 is a flowchart showing an embodiment of the electronic notification and payment processing service in the present invention.

The electronic notification and payment processing service system of the present invention,

A user system including a user terminal means having access to a utility bill payment system through a wired / wireless communication network and receiving payment details information from the utility bill payment system, and an application program for performing payment approval on the received payment forecast details;

Receives the user's personal information and desired payment information registered from the user terminal means connected through the network and registers it in the database, and requests the billing information from the registered user registration information from the registered user registration information to the user. A billing payment system for generating billing information to be notified, notifying the generated billing information through a user terminal means, and performing billing processing according to a user's request;

A supplier provider system that transmits specific information (billing information) to be paid by the user requested from the utility billing system to the utility billing system;

It includes a financial institution system that handles financial settlement in connection with payment processing requests from utility billing system.

The bill payment system includes an operation management means (server) and a process for managing and controlling a process for providing a billing notification and payment service from access management of a user connected through a wired / wireless communication network and information registered by the connected user. Characterized in that configured to include an application server.

Such a system features the following billing and payment service processes:

The user information registration process of accessing the operation page of the utility billing system and registering personal information and desired payment information;

User billing information processing process of the billing billing system that generates specific billing information to be notified to the user by requesting specific billing information such as the user's usage history and charges from the supplier provider system according to the billing information registered by the user and,

A user billing information notification process of a utility billing system for transmitting billing information to a user terminal means on a designated date registered by the user;

The user payment approval process of confirming the payment history information and determining the payment, and approving the payment;

The payment processing process of the bill payment system that checks the payment date from the basic information registered by the user and the billing information received from the supplier company system and proceeds with the financial settlement through the financial institution according to the details approved by the user on the confirmed payment date. and,

And generating a settlement processing result information and notifying the settlement processing result of the utility billing system for transmitting the generated settlement processing result information to the user and the supplier service system.

And in the user information registration process, verifying the personal information registered by the user from an external institution, and verifying whether or not the information registered by the user is registered in the database according to the result. It is characterized by.

In the personal verification process, the process of checking the resident registration number and real name through an external certification authority, the process of performing the real name verification of the mobile mobile communication device for the user from the user of the mobile mobile communication means, and through the financial institution It includes the process of performing the user's real name verification, such as account number, credit card number, and the process of requesting the supplier to verify personal information.

When the personal information is verified and verified through the personal information verification process, the identification number assigning process of assigning the identification number of the corresponding user, transmitting the corresponding identification number to the user terminal means, and confirming the received identification number by the user, It is characterized in that it further comprises a user authentication process to confirm that the user by entering the identification number in the item required by the utility bill payment system.

In the payment processing of the utility bill payment system, if the payment is abnormally terminated or an error occurs or the user requests, the method further includes the step of generating an electronic payment request and transmitting it to the user.

In addition, the electronic payment bill is assigned a serial number so that the user can process the payment instruction directly to the utility billing system using the serial number.

In the payment approval process, when the user rejects the payment and requests the offline bill, the offline bill is sent through the offline billing system.

And if there is a request for the processing of each utility bill from the user, all the billing information of the user registered in the database is collected using the user registration information to notify the user by the notification method registered by the user The payment notification process is further included.

In the batch payment notification process, the notification method includes a batch notification using a mobile mobile communication means, and a notification via an e-mail.

The user terminal means is composed of a portable mobile communication means such as a mobile phone, PDA or personal computer (PC),

In order to access the billing system for registering user information, the user terminal means and the user terminal means for receiving the billing statement information can be used by the same user terminal means, or the user terminal means in the user information registration It is configured with a computer, and the user terminal means in payment history information may be configured as a mobile mobile communication means.

Referring to the embodiment shown in the accompanying drawings, the electronic notification and payment processing service system of the present invention having such characteristics are as follows.

The user PC 101 for accessing the operation site of the utility bill payment system through the Internet, and the application program for receiving the payment history information from the utility bill payment system 200 and performing payment approval on the received payment history information. A user system 100 including an embedded mobile phone 102,

Manage and control the process for providing billing notification and payment service by receiving information related to payment from the corresponding provider system 300 using the access management of the user connected to the operation site and the information registered by the connected user. An application server 220 including a web server 210 and a process, a database 230 in which basic user information and payment information, billing notification, and information generated in a payment process are stored, and information registered by the user. About the certificate server 240 for performing the verification of the personal information registered by the user from the external certification authority system 400, the communication service provider system 500 and the financial institution system 600, and text message payment information to the user Billing billing system 200, including a text message (SMS) server 250 for notification to the;

The supplier provider system 300 for providing the billing system 200 with information related to payment, such as usage history and charges to be paid by the user requested from the billing system 200;

And a financial institution system 600 that processes the financial settlement in connection with the payment processing request from the utility bill settlement system 200.

In addition, the system further includes an offline billing system 700 for sending a bill through offline according to a user's request.

In addition, the application server 220 requests information related to the user's payment from the database management control unit 221 for managing and controlling the information stored in the database 230, and the corresponding provider system 300 registered by the user. In order to receive the requested information, the payment information processing unit 222 generates payment history information to be notified to the user, and SMS management for generating a text message form to notify the user of the payment history information generated from the payment information processing unit 222. The controller 223 performs payment through the financial institution system 600 from the user information registered for the payment request of the user, and the serial number is determined depending on whether abnormal termination or error occurs during the user's request or payment process. Including the payment processing unit 224 to generate the electronic payment bill granted to send to the user through the SMS management control unit 223 It is sex.

The database 230 is a user information unit 231 for storing the personal identification number and basic information of the user given by the utility billing system 200 and the user registration payment information related to payment, and supply the basic information of the supplier is stored Billing information unit 233, and billing information unit 233 that stores the billing information including the various actual payment-related information that is the base when notifying the user provided from the provider information system 232, the supplier provider system 300, and the payment notified to the user The payment notification details storage unit 234 for storing the payment notification details and the result information including the contents of the notification and the user's selection, the electronic billing information unit 235 for storing the information of the electronic payment invoice, and offline It is configured to include an offline billing shipment information unit 236 that is stored the historical information of the bill sent through.

The user basic information stored in the user information unit 231 includes a name, a social security number, a postal code, an address, a general telephone number, a mobile phone number, an ID, a password for an ID, a password to be used for payment, and user registration payment information for each individual. Includes various information related to payment, such as identification number, supplier name, supplier business number, nickname for user-specified payment, identification number to be presented to supplier, payment date, payment method, bank account number or credit card number.

The supplier basic information stored in the supplier information provider 232 includes information that can be used when issuing a tax invoice or receipt such as a supplier name, a business number, a service type, a postal code, an address, a representative number, a business type, a business type, a representative, and the like. .

The billing information of the billing information unit 233 includes a serial number, a resident registration number, a division number presented to the supplier, a settlement date, a payment amount, an amount of usage, a settlement status, and the like.

The payment notification content information of the payment notification storage unit 234 includes a serial number of the user's actual payment information, a notification number, a notification date and time, a notification content, a user response, a user response date and time, and whether an offline bill is sent.

The electronic billing information of the electronic billing billing information unit 235 includes a bill serial number, a provider business number, an individual identification number, a serial number of the user's actual billing information, a bill issuing date, and the like.

The offline billing information of the offline billing information 236 includes a bill serial number, a user name, a social security number, a user's individual number assigned by the utility billing system 200, a postal code, an address, a sending date, a return status, and the like.

The embodiment of the present invention having such a configuration constitutes a connection network to the utility bill payment system 200 through the Internet, and the user PC 101 as a user terminal means for accessing the utility bill payment system 200 through the Internet. And to configure the user system consisting of the user terminal means to the mobile phone 102 in order to receive payment history information from the billing payment system 200,

It can be classified into user registration and payment information registration, payment processing information processing, payment history notification by user, and payment approval through user confirmation.

Each process for such a billing notification and settlement will be described as follows.

(a). User Information Registration

In order to receive a billing notification and payment service, a user first registers personal information and desired billing information according to items presented in an operation page (web site) of the billing payment system 200 through the Internet.

The utility bill payment system 200 performs personal verification from an external certification authority system 400 on information input by a user connected through the authentication server 240.

The external certification body uses the certification body recognized by the national authority and mainly verifies whether the social security number matches the real name.

When the accuracy of personal information is first secured, the utility bill payment system 200 verifies whether the real name match the accuracy of the account number or credit card number, etc. to be used for subsequent payment through the financial institution system 600.

For security purposes, a registered account number or credit card number can be used as a real name. This process allows a user to enter information through a mobile phone for security purposes.

Thereafter, the bill payment system 200 performs a verification on the mobile phone number registered by the user. Since the mobile phone number is an important medium in performing the payment and guidance process, the mobile phone number must go through the verification process.

The utility billing system 200 verifies whether the service is valid for the corresponding number in the communication service provider system 500 of the mobile number registered by the user, and recognizes only the number registered as the real name of the individual as valid information.

Finally, the final confirmation is received through the supplier system 300 having the billing information that is the target of the actual payment.

When all of these verifications are completed, the results are presented to the user on the Internet.

In addition, when the personal verification result is normal, the bill payment system 200 to transmit the personal identification number via the user's mobile phone 102, and enter the transmitted identification number.

The user checks the personal identification number notified to the mobile phone 102 and inputs the information required by the utility bill payment system 200 into the corresponding item of the website of the utility bill payment system 200.

As such, when the user enters the correct identification number, that is, when the same identification item is input in comparison with the identification item transmitted from the utility bill payment system 200, the user is confirmed to be a real user to complete the final personal verification process. When completed, the user registered information is finally registered in the database 230 to prepare a utility bill notification and payment service.

User information registered by the user in the database 230 is divided into basic information and desired payment information of the user, as follows.

The basic information of the user includes name, social security number, postal code, address, general telephone number, mobile phone number, ID, ID password, and other basic information of the user.

The desired payment information is the personal identification number presented to the user in the utility billing system 200 according to the user verification, the supplier business number, the nickname for the custom payment, the division number to present to the supplier, the payment date, the password to be used for payment, payment Method, bank account number or credit card number used for payment, and other important information (password, etc.) used for payment.

In addition, the supplier information is stored in the database 230, the supplier information is requested by the operator of the utility billing system 200 through the contract with the supplier, and registers it in the database.

The supplier information stored in the database 230 is basic information such as supplier name, business number, service type, zip code, address, representative number, type of business, type of business, representative, and other information that can be used when issuing a tax invoice or receipt. It includes.

(b). Processing Information about Payment History

Based on the registered user information as described above, the bill payment system 200 receives specific information to be paid by the user, such as the user's usage history and charges, from the corresponding provider system 300 registered by the user on a designated date, and notifies the user. It will generate payment history information.

Information processed through this process is stored in the billing information unit 233 of the database 230 of the billing payment system 200.

The utility bill payment system 200 transmits a division number (key value) defined in the supplier system 300 to the supplier operator 300 in a batch or online transaction in order to receive information related to the user's payment.

The supplier operator 300 recognizes the user by recognizing such a division number, and responds to the utility billing system 200 in a batch or online transaction with information related to payment of the user's usage, fee, or overdue.

Therefore, the division number transmitted to the supplier system 300 may vary depending on the configuration of the supplier system 300.

The application server 220 of the bill payment system 200 is driven at a specific time by the built-in scheduler program.

First, a target to check billing information for each user registered in the database 230 is selected.

This sorting process reduces the system load with suppliers and eliminates duplication with previous data by excluding dates that were previously processed to ensure data accuracy.

When processing such information, not only the user's registration payment information, but also the user's basic information, provider's basic information, etc. are compared and confirmed.

Based on such information, the billing payment system 200 requests billing information for the corresponding user from the target provider system 300.

In such a process, if there is too much content to perform all the processing online, an online batch processing method using a file may be used by contract with a supplier.

At this time, the billing information for each user who is notified from the supplier system 300 is arranged and stored in the billing information unit 233 of the database 230.

The payment information processing unit 222 of the utility billing system 200 generates payment details to be notified to the user by using specific information (billing information) related to payment of the user.

At this time, the bill payment system 200 checks the status of the payment method registered by the user as of the specified date of transmitting the payment history information, and further includes the payment method status information in the payment history information so that the user can prepare for overdue payment. can do.

For example, if the user has registered an account transfer as a payment method, the utility bill payment system 200 requests the financial institution system 600 the balance of the user's payment account to include the account balance information in the payment history information. In the case of a credit card, the credit card provider requests information such as a credit card limit and the like in the payment history information so that the user can be notified of the status of the payment method.

Of course, for privacy protection by allowing the user to set whether to use the payment means status information confirmation service when registering the user payment information, it can be carried out by the user to proceed.

(c). Payment confirmation by user notification and user confirmation

The application server 220 summarizes the notification to be processed on the date.

At this time, the payment history information generated through the above process is created in the form of a text message to be notified to the user's mobile phone 102 through the SMS management control unit 223, the mobile phone 102 of the user through the SMS server 250 Send payment details to.

In the billing information notified to the user, the usage, fee, payment date, and payment method are briefly expressed by using a nickname registered by the user.

That is, the information provided to the user is not treated as important personal information, and by using a nickname defined by the user, only the user and the utility billing system 200 use only the minimum information enough to understand and process the information with each other.

In addition, as described above, it is possible to include the status information of the payment means such as the bank balance, the limit of the credit card.

After the user receives the payment history information through the mobile phone 102 as described above, the user decides whether to perform a payment process, and enters a password used for his / her registered payment to make final payment approval.

Utility billing system 200 stores the user approval for payment in the payment notification history storage unit 234 of the database 230.

Such information has information to be used for actual payment on the maturity date (payment date).

In this case, for example, if you want to pay, press the confirmation key and then enter the password, if you want to secure payment approval, select the end key, if you decline the payment select the cancel key.

Such a key can be configured differently by the mobile phone 102 and the program mounted on the mobile phone 102.

In this case, when the user rejects the approval and requests the bill to be sent, the utility bill payment system 200 sends the bill to the address of the user by using the offline bill sending system 700.

As such, the bill details sent offline are stored in the offline shipment storage unit 236 of the database 230.

(d). Payment processing and post processing

The application server 220 cleans up the payment history information finally approved by the user as described above, and uses the payment method specified by the user on the payment date based on the collected payment history information. You will be asked to transfer or finance

In the payment processing unit 224 of the utility bill payment system 200, basically, unless a special user's request is made, the payment is registered on the user's registered date, and the financial institution system collects the details approved by the user through the above process. Perform the payment through 600.

Such payment progress result is transmitted as a text message to the provider system 300 and the user's mobile phone 102 through the SMS management and control unit 223.

At this time, when the payment is abnormally terminated or an error occurs, the payment processing unit 224 issues an electronic payment bill and notifies the user's mobile phone 102 in a text message together with the payment result information.

Such an electronic bill allows the user to easily make a payment for any outstanding balance that may occur, and a serial number such as a bar code is assigned to the electronic bill. Present it so that the payment process can proceed easily.

The electronic payment bill is an invoice issued to the user when the payment fails on the payment date even though the user approves the payment.

It is also issued when the user rejects the previous payment approval and basically requires the issuance of the electronic payment invoice.

When the user receives the electronic payment invoice, the mobile phone 102 may instruct the payment using the serial number directly or instruct the payment through a medium such as the Internet or a landline telephone.

The payment result is delivered through the medium instructing the payment.

Since the user does not need to input information other than the bill serial number, there is an advantage that the exposure of the information can be minimized.

In this case, the electronic payment invoice may include late fee information after the settlement date. This is to allow the user to pay the late fee at the time of payment if the user wants to pay after the payment date.

The late fee information is stored in the billing information unit 233, and may be included in the billing information provided from the supply provider system 300, or may be set in advance and registered according to a predetermined amount by agreement with the supplier. .

In order to prepare such an electronic bill, a separate system needs to be established.If an electronic bill is required to be sent by a contract with an existing external electronic bill sender, a request is made to the external electronic bill operator system. You can proceed.

On the other hand, the user is able to make a batch payment using the identification number for each user, if the user requests payment for various utilities through his mobile phone 102 is to process each of these payments individually one by one. Rather, it allows you to process all payments at once.

When a user requests a batch processing, the bill payment system 200 registers it in the user information unit 231, and provides each user with information such as a personal identification number or a resident registration number assigned by the bill payment system 200, to distinguish the user. By using all the billing information collected in the billing payment system 200 is processed at once.

The result of the processing is delivered to the user by a method requested by the user, such as a batch notification, individual notification of each payment, or notification via e-mail.

Meanwhile, in another embodiment of the present invention, the user terminal means for connecting the user terminal means to the utility billing system 200 and the user terminal means for receiving payment history information are different from each other. In another embodiment, the same user terminal means can be configured.

That is, when using a mobile mobile communication device using a mobile, the billing payment system 200 is configured so that a predetermined program for accessing the utility billing system 200 or an internet connection in a general mobile environment is configured. Through the same process as described above it can proceed the present invention.

However, it is possible to download a predetermined form in consideration of the communication fee in a mobile environment, so that the user can be registered by filling out the form in a mobile mobile communication device in the connected off state and transmitting the form in the connected state. Various known methods can be applied.

In contrast, in the case of using a user PC, payment history information may be transmitted by applying various methods such as e-mail or personal notification in the operation site.

3 is a flow diagram illustrating an embodiment of an electronic notification and payment processing service for transmitting payment history information to a user's mobile phone and providing balance information of a payment account at a specified date to payment history information. It is a chart.

As described above, applying the present invention system can solve the inconvenience caused by the visit of the financial institution, thereby reducing the billing processing of the financial institution, and from the supplier's point of view, It can be expected to reduce costs, time, and complaints.

In addition, the user does not have to worry about the delinquency of the utility bills after the settlement date, it is possible to provide a smooth utility bills to the supplier side.

Claims (23)

Through the network, access to the billing payment system and proceed with a series of processes for user information registration and billing electronic notice application, receive billing details from the billing payment system, and perform payment approval on the billing information received. A user system including a user terminal means in which an application program is embedded; Using the operation management server for access management and operation of the connected user provided through the network and the information registered by the connected user, payment related information is provided from the corresponding provider system to provide the billing notification and payment service. An application server including a process for controlling the process for providing, and billing system comprising a database for storing the user's basic information and billing information and billing information and information generated in the billing process Electronic notification and payment processing service system. The electronic notification and payment processing service system of claim 1, further comprising an authentication server for verifying personal information registered by the user from an external system capable of verifying the information registered by the user. The system of claim 1, further comprising an offline billing system for sending bills offline at the user's request. The electronic notice and payment processing system according to claim 1, wherein the user terminal means comprises a user personal computer or a portable mobile communication means. The portable terminal according to claim 1, wherein the user terminal means for configuring a personal computer as a user terminal means for accessing the billing system, and receiving payment details information and proceeding with payment processing. Make up, The billing payment system is an electronic notification and payment processing system, characterized in that it comprises a text message server for notifying the billing information to the user's portable mobile communication means as a text message. The apparatus of claim 5, wherein the application server requests a database management control unit for managing and controlling information stored in a database, requests information related to a user's payment from a corresponding provider system registered by a user, and provides the requested information. A payment information processing unit for generating payment history information to be received and notified to the user, an SMS management control unit for generating a text message form to notify the user of payment history information generated from the payment information processing unit, and a registered user for the user's payment request Including a payment processing unit for performing a payment through the financial institution system from the information, and generates an electronic payment invoice with a serial number and transmits it to the user according to the user's request or abnormal occurrence or error in the payment process. Electronic notice and payment, characterized in that configured Processing service system. The database according to any one of claims 1 to 6, wherein the database includes a user identification unit for storing a personal identification number and basic information of a user assigned by a utility billing system and user registration payment information related to payment, and basic information of a supplier. The billing information department, which stores the billing information provided from the provider system, the billing information section which stores the billing information received from the provider system, and the billing information and the result information including the billing notification contents and the selection of the user. Electronic billing and payment characterized in that it comprises a billing notification history storage unit, an electronic billing bill information unit for storing information of the electronic billing invoice, and an offline billing sending information section for storing the history information of invoices sent through offline Processing service system. The method of claim 7, wherein the basic user information stored in the user information unit includes a name, social security number, postal code, address, general phone number, mobile phone number, ID, password for the ID, password for payment, User registration payment information includes personal information such as personal identification number, supplier name, supplier business number, nickname for custom payment, identification number to be presented to the supplier, payment date, payment method, bank account number or credit card number. , The supplier basic information stored in the supplier information provider includes information that can be used when issuing a tax invoice or receipt, such as a supplier name, business number, service type, postal code, address, representative number, type of business, type of business, representative, etc. The billing information of the billing information unit includes a serial number, a social security number, a division number presented to the supplier, a settlement date, a payment amount, a usage amount, payment status information, The payment notification content information of the payment notification history storage unit includes the serial number of the user's actual payment information, a notification number, a notification date, a notification content, a user response, a user response date and time, whether an offline bill is sent, and the like. The electronic payment bill information of the electronic billing bill information unit includes a bill serial number, a provider business number, an individual identification number, a serial number of the user's actual payment information, a bill issuance date, a late fee information, and the like. The offline billing information of the offline billing information includes a bill serial number, a user name, a social security number, a user's individual number assigned by the utility billing system, a postal code, an address, a delivery date, return status, and the like. Processing service system. The electronic billing and payment processing service of claim 8, wherein the billing information further comprises payment means state information confirming a state of a user payment means at the time of notifying the financial institution system of the payment details received. system. The user information registration process of accessing the operation page of the utility billing system and registering personal information and desired payment information; User billing information processing process of the billing billing system that generates specific billing information to be notified to the user by requesting specific billing information such as the user's usage history and charges from the supplier provider system according to the billing information registered by the user and, A user billing information notification process of a utility billing system for transmitting billing information to a user terminal means on a designated date registered by the user; The user payment approval process of confirming the payment history information and determining the payment, and approving the payment; The payment processing process of the bill payment system that checks the payment date from the basic information registered by the user and the billing information received from the supplier company system and proceeds with the financial settlement through the financial institution according to the details approved by the user on the confirmed payment date. and, And a payment processing result notification process of a utility billing system for generating payment result information and transmitting the generated payment processing result information to a user and a supplier service system. 11. The method of claim 10, wherein in the user information registration process, verification of personal information registered by a user from an external organization is performed, and personal information verification for determining whether to register a database based on the user registered information according to the result. Electronic notification and payment processing service method characterized in that it further comprises a process. 11. The method of claim 10, wherein in the personal verification process, a process of confirming a resident registration number and a real name through an external certification authority, and performing a real name verification of the mobile mobile communication device for the user from the user of the mobile mobile communication means. And a process of performing a user's real name verification such as an account number and a credit card number through a financial institution, and requesting verification of personal information from a corresponding provider. The method according to claim 10, wherein when the personal information is verified and verified through the personal information verification process, an identification number assigning process for assigning an identification number of the corresponding user and transmitting the corresponding identification number to the user terminal means, and the assigned identification number The user notice, and the electronic notification and payment processing service method characterized in that it further comprises a user authentication process to confirm that the user by inputting the identification number to the item required by the billing payment system. 11. The method of claim 10, wherein in the payment processing of the utility billing system, if the payment is abnormally terminated or an error occurs, or if the user requests, further comprising the step of generating an electronic payment bill and send it to the user Electronic notice and payment processing service method, characterized in that. 15. The method of claim 14, wherein the electronic billing claim is assigned a serial number so that the user can process the payment instruction directly to the utility billing system using the serial number. The electronic notification and payment processing service method of claim 10, further comprising the step of sending a bill offline through the offline billing system when the user rejects the payment and requests the bill offline. . The method according to claim 10, wherein when there is a request for reconciliation for each utility bill from the user, all the payment information of the user registered in the database is collected using the user registration information, and the user is notified by the notification method registered by the user. Electronic billing and payment processing service method characterized in that it further comprises a billing notification process of the bill payment system. 11. The method of claim 10, wherein the basic information registered by the user includes a name, social security number, postal code, address, general telephone number, mobile phone number, ID, password for ID, password for payment, User registration payment information includes personal information such as personal identification number, supplier name, supplier business number, nickname for custom payment, identification number to be presented to the supplier, payment date, payment method, bank account number or credit card number. Electronic notification and payment processing service method characterized in that. The electronic notice and payment processing service method of claim 10, wherein the payment history information notified to the user further includes status information of a payment means that is requested by the financial institution system from the utility billing system and provided. 20. The method according to any one of claims 10 to 19, wherein the registration of the user information is performed while connected to the utility billing system through the user's PC, and the information notified to the user is communicated to the user through e-mail. Electronic notification and payment processing service method characterized in that the transmission to the PC. 20. The method according to any one of claims 10 to 19, wherein the registration of the user information is performed by accessing and registering on a network provided by the utility billing system through a portable mobile communication means, and the information notified to the user is transmitted through a text message. Electronic notification and payment processing service method characterized in that the transmission to the mobile mobile communication means. 22. The method of claim 21, download a predetermined form provided by the utility billing system, create user information in a state of being connected to the network provided by the utility billing system, and transmit the user information form created by the utility billing system. Electronic notices and payment processing service method characterized in that. 20. The method according to any one of claims 10 to 19, wherein the registration of the user information is performed while connected to the utility billing system through the user PC, and the information notified to the user is sent to the user mobile mobile communication means through a text message. Electronic notification and payment processing service method characterized in that the transmission.