KR20050043407A - Agent system for paying public charges - Google Patents

Abstract

The present invention relates to a bill payment management system, which is linked with a payment server of a financial institution to process bill payments of customers, but the billing management to be managed from the user terminal of the customer through the Internet network or from the terminal terminal through the internal network Input and receive bill bill information, and manage billing details of each customer by date to generate billing schedule information for bill bills for each member before the billing date of each bill bill of registered customers, and this is a short message service ( The amount of the payment to the billing authority's account linked to the Jiro number of each billing statement from the member's payment account according to the payment approval information including the amount of payment from the customer who read it. To pay registered customers by implementing It is to be billed for payment.

Description

Utility billing management system {Agent system for paying public charges}

The present invention relates to a utility billing management system, which pre-registers the information of the bill of bills to be managed by the billing agency, and bills the bill to notify the customer in advance by using a short message service (SMS) before the billing date of the bill It relates to an agency management system.

There are currently several methods for paying various utilities such as electricity bills, telephone bills and city gas bills.

The first method is that the customer pays directly by visiting the window of the financial institution. This method has the advantage of processing all the documents, checking the receipt immediately, and using all financial institutions. There is a drawback that you have to visit and wait for a financial institution, have a bill, and not remember the due date.

The second method is to pay by direct debit, which means that the utility bills are automatically withdrawn and paid from the account of the financial institution, so that the customer does not have to visit and pay the financial institution directly, without worrying about forgetting the payment due date. There is an advantage, but there is a disadvantage in that post-management such as termination or error processing is inconvenient.

The third method is to pay using an internet banking or phone banking service. This method has the advantage that a customer does not need to pay a visit to a financial institution by paying a utility bill using an internet banking or a phone banking service. In addition, you need to sign up for a phone banking service, and there is a disadvantage in that there is a limit in the use layer.

The fourth method is to pay using a CD / ATM device. This method has the advantage of making inquiry payments using CD / ATM devices of all financial institutions, but it is not applicable to all bills. There is a disadvantage that you need to directly operate the device to visit the installed place.

On the other hand, customers don't have to go to the bank to pay their bills, they can process all bills, don't have to wait, get immediate results, get quick and accurate payments, Receipt management is unnecessary, and you want a payment method that does not exceed the due date. For financial institutions, the payment process is simple, and the number of customers waiting for payment of receipts can be reduced and the banking process can be processed quickly. For example, you will want a utility bill payment method that will help you win excellent customers.

Therefore, the present inventor registers the information of the bill to be managed on behalf of the bill in advance, and before the bill payment date, the bill payment agency that satisfies the above conditions by notifying the customer in advance by using a short message service (SMS) or the like and paying the bill. The management system was studied.

The present invention has been invented under the above-described purpose, and pre-registers information of billing bills to be managed on behalf of payment, and billing information to customers using a short message service (SMS) or the like before the billing date for each registered billing bill. Its purpose is to provide a utility billing management system that provides advance notice and that, upon approval from the customer, makes the payment available.

Still another object of the present invention is to provide a billing payment management system that enables the payment schedule information to be transmitted to the member's e-mail address when the payment schedule information cannot be transmitted through a short message service (SMS). .

According to an aspect of the present invention for achieving the above object, the utility bill payment management system according to the present invention bill management bill payment bill including billing number, payer number, settlement date, payment cycle of at least one bill bill The billing information of each member is stored in the billing history information database for each member, and the billing history of each member is managed by date, and the billing statement stored in the billing history information database is stored in the billing bill before the billing date of each billing statement in the billing information. Generate payment information for each member and notify the member by using a short message service (SMS), etc., and according to payment approval information including payment amount for each utility bill from the member who received it. From settlement account to jiro number of each utility bill It is characterized in that the payment processing by transferring the payment amount to the account of the interlinked billing authority.

Therefore, before the payment date of each registered bills bills by using a short message service (SMS), such as to inform the customer of the scheduled payment information, and can be made on behalf of the payment according to the approval from the customer.

According to an aspect of the present invention, when the billing payment management system according to the present invention is impossible to transmit the billing schedule information through a short message service (SMS), sending the billing schedule information to the member's e-mail address It is characterized by.

Therefore, when the customer cannot receive the payment schedule information for the utility bill through the short message service (SMS), it can be received through the e-mail.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

1 is a schematic diagram of a utility bill payment management system according to the present invention.

As shown in the figure, the utility bill payment management system 100 according to the present invention is linked to the payment server 200 of the financial institution to process the bill payment of customers, but the user computer 300 of the customer through the Internet network ) And receive information from the billing bill to be managed for payment from the sales office terminal 400 through the internal network to register.

The utility bill payment management system 100 manages the billing history of each customer by date to generate billing schedule information for the billing bill for each member before the billing date of each billing bill of registered customers, and the mobile communication system ( Notify customers by using Short Message Service (SMS) of 500).

The utility bill payment management system 100 is the account of the billing authority linked to the Jiro number of each utility bill from the payment account of the member according to the payment approval information including the payment amount from the customer who read the scheduled payment information It requests the payment server 200 to transfer the payment amount to the agency to pay for the utility bills to be paid by registered customers.

With reference to Figure 2, it will be described in detail with respect to the utility billing payment management system according to the present invention.

Figure 2 is a block diagram showing the configuration of one embodiment of a utility bill payment management system according to the present invention.

As shown in the figure, the bill payment management system 100 according to the present invention is a member management unit 110, bill bill information input unit 120, bill bill management unit 130, billing information transmission unit ( 140 and a utility bill payment processing unit 150.

The member manager 110 requests member information input including a billing account number and a mobile phone number, processes member registration or change through a member registration or change procedure, and registers member information of a registered or changed member information database. Save as.

That is, the member management unit 110 is a part in charge of the task of computerized registration of the details of the application, if the customer applies for subscription or change to use the utility bill payment service.

The customer accesses the web page that provides the application for using the utility service for billing service and inputs the membership information by using the user's computer (300) of the customer, or applies for service change or visits the financial institution directly and applies for subscription. When a sales representative in charge enters member information using the corresponding business terminal 400 to apply for service subscription or change, the member manager 110 registers a member through a predetermined member registration or change procedure according to the inputted member information. Alternatively, the change is processed and the member information of the registered or changed member is stored in the member information database.

The member information should include the billing account number and the mobile phone number of the member customer, which is essential information for the utility billing agent.

The payment account is a bank account from which the utility bill is withdrawn, and the mobile phone number is a number for notifying the customer of the payment schedule information about the utility bill before the payment date through a short message service (SMS).

On the other hand, since the technology related to membership registration or change is a conventional technology that is already known and implemented in various ways before this application, a detailed description thereof will be omitted.

The billing statement information input unit 120 requests the input of billing bills to be managed by the billing agency, including bill number, payer number, payment date, and billing cycle of at least one billing bill, and inputs billing bill information for each member. Store in the utility billing information database.

In order for the customer member to use the utility billing service, the customer directly enters the information of the utility bill to be paid and managed through his or her user computer 300, or at the request of the customer who visits the office, You must enter the information of the utility bill to be managed on behalf of the payment.

At this time, the utility bill information input unit 120 provides a user screen interface for inputting information of the utility bills, and receives the information of the utility bills to be managed on behalf of the payment bills and stores them in the utility billing information database for each customer member It is preferable.

The information on the bill to be entered for the billing agent to be managed should include the bill number, payer number, payment date, and billing cycle of the bill.

The bill number of the bill is the identification information of the billing authority that charged the bill, the payer number is the identification information of the payer who receives and pays the bill of bill issued by the billing agency, and the payment date is the bill payer. The deadline information to be paid, the payment cycle is information about the period to pay the utility bills.

The billing bill management unit 130 manages billing details for each member by date, and generates billing schedule information for each billing bill for each billing bill before the billing date in the billing bill information stored in the billing detail information database. do.

That is, the bill bill management unit 130 searches for bills for each member every day of the billing date remaining on the billing day by referring to bill bill information to be managed by each member stored in the bill history information database, and corresponding bill Billing schedule information for each member is managed by date by creating billing schedule information for each member.

The payment schedule information transmitting unit 140 notifies the corresponding members of the payment schedule information for each member generated by the utility bill management unit 130.

At this time, through the payment schedule information transmitting unit 140, it is preferable to process the payment schedule information for each member to send to each member's mobile phone number using a short message service (SMS), in addition to MSN, e-mail, direct Of course, it can be transmitted in various ways such as a call.

That is, when the billing billing information for each member is generated every day by the billing bill management unit 130, the billing billing management system 100 according to the present invention is a mobile phone of each member through the billing billing information transmission unit 140 By sending a notice using the short message service (SMS) to the member's payment schedule information.

The utility bill payment processing unit 150 imposes a utility bill linked to the Jiro number of each utility bill from the member's payment account according to the payment approval information including the payment amount for each utility bill from the member who received the payment schedule information The payment is transferred to the institution's account for payment.

That is, the utility bill payment management system 100 according to the present invention receives the payment approval information including the payment amount from the customer who has read the payment schedule information and bills each bill from the payment account of the member according to the payment approval information By requesting the payment server 200 to transfer the corresponding payment amount to the account of the billing authority linked to the number, the registered customer member on behalf of the payment for the bill to be paid.

The reason why the payment amount should be included in the payment approval information from the member is that most utility bills, for example, electricity bills, telephone bills, etc., because the payment amount to be paid is changed every month, and the payment amount for the utility bill to be paid monthly is set in advance. Because you can't.

The operation of the utility bill payment management system according to the present invention having the above configuration will be described with reference to FIG. 3.

3 is an operation flowchart of a utility bill payment management system according to the present invention.

First, the utility bill management system according to the present invention has three operation modules.

The first module is a module for registering a member to use the utility billing service, and inputs information of the bill to be billed, the utility bill payment management system 100 according to the present invention is the member management unit 110 in step S110 ) Receives member information including payment account number and mobile phone number of each customer, and registers and processes member registration and stores member registered member information as member information database.

Then, the utility bill payment management system 100 according to the present invention is a utility bill including the bill number, payer number, payment date, payment cycle of the bill to be billed and managed through the bill bill information input unit 120 in step S120 Receive billing information and store it in the billing details database for each member.

The second module is a module for managing billing details for each member by date and transmitting billing information to each member, and the billing payment management system 100 according to the present invention is the billing statement management unit 130 in step S130. The billing information of each member stored in the billing detail information database is searched daily to generate billing schedule information for billing bills for each member, which is earlier than a predetermined date of the billing date of each billing bill.

Thereafter, the utility bill payment management system 100 according to the present invention informs the corresponding members of the payment schedule information for each member through the payment schedule information transmitting unit 140 in step S140 by using a short message service (SMS) or the like. do.

The third module is a module for receiving payment approval information for a bill for bills from each member who reads billing schedule information, and for bill payment of each member, the bill payment management system 100 according to the present invention is scheduled for billing. In accordance with the payment approval information including the payment amount for each utility bill from the member who received the information through the utility bill payment processing unit 150 in step S150 is linked to the Jiro number of each utility bill from the billing account of the member Requests the payment server of the financial institution to transfer the payment to the account of the billing institution.

Accordingly, by doing so, the utility billing management system according to the present invention, by using a short message service (SMS) before the billing date of each billing bill registered for each member, and informs each customer member of the billing schedule information for this, By acting on behalf of the payment with approval from the customer, the customer does not have to visit the bank to pay the utility bills, all billing bills can be processed, no waiting time, fast and accurate payments, Receipt management is unnecessary, the payment deadline is not exceeded, the payment process is simple for financial institutions, the number of customers waiting for payment of receipts can be reduced, and the banking process can be processed quickly. You can do it.

According to an additional aspect of the present invention, when the member information further includes an e-mail address, and the payment schedule information transmitting unit 140 cannot transmit the payment schedule information through a short message service (SMS). In addition, this payment information may be sent to the member's e-mail address.

Therefore, when a customer member cannot receive payment schedule information for a utility bill to be paid through a short message service (SMS), the customer member can receive it through e-mail of the customer member, thereby providing a more reliable and stable service. To be done.

On the other hand, in addition to the e-mail address, the member information may further include a general telephone number, and when it is impossible to transmit payment schedule information to the member through e-mail, the general telephone number may be used to notify the voice call.

Meanwhile, according to an additional aspect of the present invention, the utility bill payment management system 100 according to the present invention may further include a payment history information transmitting unit 160.

The payment history information transmission unit 160 transmits the payment history information for each member processed by the utility bill payment processing unit 150 to a mobile phone number or e-mail address of the member.

Accordingly, the utility bill payment management system according to the present invention can provide the customer history by providing the billing information for each member billing utility bills by transmitting to each member.

Meanwhile, according to an additional aspect of the present invention, the utility bill payment management system 100 according to the present invention may further include a payment approval information receiver 170.

The payment approval information receiving unit 170 receives payment approval information including a payment amount for each utility bill from a member who has received payment schedule information.

At this time, the payment approval information receiving unit 170 may be implemented to receive payment approval information from the member by the ARS method.

That is, a member who has received payment schedule information transmitted from the utility bill payment management system 100 according to the present invention through a short message service (SMS) through a mobile phone possessed by a member, uses a mobile phone possessed by the member to approve payment approval information. If you enter the payment approval information including the payment amount by calling the ARS number for receiving the bill, the utility bill payment management system 100 according to the present invention receives it through the payment approval information receiving unit 170 and the utility bill Through the agency payment processing unit 150 to transfer the payment amount from the payment account of the member to the account of the billing authority linked to the Jiro number of each utility bill according to the payment approval information.

On the other hand, the method for receiving payment approval information including the payment amount can be implemented by various methods such as receiving using the Internet in addition to the method using the ARS.

4 is a diagram illustrating an example of a screen for inputting billing bill information in a billing payment management system according to the present invention.

As shown in the figure, there is a part for inputting a billing account number and a mobile phone number in the member information column of the customer member at the top of the screen, and additionally there is a part for inputting a general phone number which is an e-mail and an auxiliary phone number. .

At the bottom of the screen, there is a part for inputting the information of the bill to be managed by the payment agency, and the bill information to be entered includes the bill number, payer number, payment date, and billing cycle of the bill.

The lower right side of the screen has a portion in which the payment amount contained in the member's payment approval information is input and displayed.

On the other hand, it is natural that the screen for inputting the bill information can be implemented in various forms.

Therefore, it is possible to achieve the purpose of the utility bill payment management system according to the present invention by the above.

The utility bill payment management system according to the present invention as described above registers the information of bills bills to be managed on behalf of the bill in advance, and before the bill payment date for each registered bill bills to the customer by using a short message service (SMS), etc. If the payment schedule information is notified in advance and the payment schedule information cannot be transmitted through the short message service (SMS), the payment schedule information can be transferred according to the approval from the customer. By additionally sending to an e-mail address, customers do not have to go to the bank to pay their bills, they can process all bills, no waiting time, and get immediate results. Fast, accurate payments, no receipt management, no overdue payments Do has an effect, in the position of financial institutions and the utility bills payment procedures simpler by reducing the number of customers waiting for the bills to pay and for rapid processing banking, it has a beneficial effect capable of ensuring excellent customer.

Although the present invention has been described with reference to the accompanying drawings, it will be apparent to those skilled in the art that various modifications may be made therein without departing from the scope of the invention, which is covered by the following claims.

1 is a schematic diagram of a utility bill payment management system according to the present invention

Figure 2 is a block diagram showing the configuration of one embodiment of a utility bill payment management system according to the present invention

3 is an operation flowchart of a utility bill payment management system according to the present invention

4 is a diagram illustrating an example of a screen for inputting utility bill information in a utility bill payment management system according to the present invention;

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

100: utility bill payment management system 110: member management department

120: utility bill information input unit 130: utility bill management unit

140: payment schedule information transmission unit 150: utility bill payment processing unit

160: payment history information transmitting unit 170: payment approval information receiving unit

200: payment server 300: user computer

400: business terminal 500: mobile communication system

600: mobile phone terminal

Claims (6)

A member management unit requesting input of member information including a billing account number and a mobile phone number, processing member registration or change through a member registration or change procedure, and storing member information of a registered or changed member as a member information database; Billing request to enter information of billing bills to be managed, including billing number, payer number, payment date, and billing cycle of at least one billing bill, and to save the billing bill information entered in the billing details database for each member A bill information input unit; A billing bill management unit that manages billing details for each member by date, and generates billing schedule information for each billing bill before each billing bill in the billing bill information stored in the billing detail information database; A billing schedule information transmitting unit for notifying a corresponding member of billing schedule information for each member generated by the billing bill management unit; Transfer the payment amount from the member's payment account to the billing authority's account linked to the Jiro number of each utility bill in accordance with the payment approval information including the payment amount for each utility bill from the member who received the payment schedule information. A billing agency payment processing unit for payment processing; Utility bill payment management system comprising a. The method of claim 1, The payment schedule information transmitting unit: Billing billing management system, characterized in that the processing to send the member's billing information to each member's mobile number using a short message service (SMS). The method of claim 2, The member information further comprises an e-mail address; The payment schedule information transmitting unit: Billing service management system characterized in that if the transmission of payment information is not possible through a short message service (SMS), this payment information is sent to the member's e-mail address. The method of claim 3, wherein The utility billing management system: A payment history information transmission unit for transmitting the payment history information for each member processed by the utility bill payment processing unit to a mobile phone number or an e-mail address of the corresponding member; Utility billing agency management system further comprising. The method according to any one of claims 1 to 4, The utility billing management system: A payment approval information receiving unit which receives payment approval information including payment amount for each utility bill from a member who has received payment schedule information; Utility billing agency management system further comprising. The method of claim 5, wherein Utility billing payment management system, characterized in that the payment approval information receiving unit receives payment approval information from the member in the ARS method.