KR20230080739A - System and method for processing payment using a chatting window in the communication system - Google Patents

Abstract

According to an embodiment of the present invention, a system and method for processing payments using a chat room in a communication system comprises: a display unit; an input/output unit; a wireless communication unit; and a control unit. When a utility bill inquiry is requested by a user through the input/output unit, the control unit transmits a utility bill inquiry request message requesting an inquiry on the utility bill issued to the user through the wireless communication unit to a plurality of relevant agency servers via a messenger server, receives a plurality of giro information response messages from the relevant agency servers via the messenger server, and displays a list of giro chat rooms between the relevant organizations and the user through the display unit using the giro information included in the giro information response messages. When one giro chat room item is selected by the user from the plurality of giro chat room items included in the giro chat room list through the input/output unit, the control unit displays a giro chat room corresponding to the selected giro chat room item through the display unit.

Description

System and method for processing payment using a chatting window in the communication system}

The present invention relates to a communication system, and more particularly, to a system and method for processing payment using a chat room in a communication system.

Recently, as the use of wireless Internet technology and various smart devices are activated, the use of an instant message service using the same is increasing. Instant messaging is a service in which two or more users open a chat room based on a network such as the Internet and exchange instant messages in real time in the chat room.

In addition, due to the recent development of financial services, it has become a general trend that financial transactions performed through conventional bank counters are performed using a personal computer or smart device without visiting a bank. However, in the case of the prior art, financial transactions were possible only through Internet banking or dedicated banking applications provided by financial institutions.

In addition, as programs capable of simple remittance, such as Kakao Pay and Naver Pay, become widely available, users can remit money to others in various ways.

However, in order to pay utility bills, even if a user uses a dedicated banking application such as Kakao Pay or Naver Pay, it is inconvenient to check and input the payment amount and account number of the relevant government office on the Giro paper issued by various government offices. In addition, even if the utility bill payment is set to automatic transfer, there is an inconvenience that the user has to individually search the transfer details in order to check the utility bill payment details.

Therefore, the need for a plan to solve these problems has emerged.

An embodiment of the present invention proposes a system and method for processing utility bills in a communication system without user hassle.

In addition, an embodiment of the present invention proposes a system and method for processing utility bills so as not to cause user inconvenience by displaying Giro information received by each institution in a chatting format in a communication system.

According to an embodiment of the present invention, a system for processing a payment using a chat room in a communication system includes: a display unit; input/output unit; wireless communication unit; and when a utility bill inquiry request is requested by a user through the input/output unit, a utility bill inquiry request message requesting inquiry on utility bills issued to the user is transmitted to a plurality of agency servers via a messenger server through the wireless communication unit; Receives a plurality of Giro information response messages from the servers of the responsible organizations via the messenger server, and displays a chat room list between the responsible agencies and the user through the display unit using the Giro information included in the Giro information response messages. When one Giro chat room item is selected by the user from among a plurality of Giro chat room items included in the Giro chat room list through the input/output unit, it corresponds to the selected Giro chat room item through the display unit. and a control unit for displaying a chat room.

According to an embodiment of the present invention, in a method for processing payment using a chat room in a communication system, when a user requests a utility bill inquiry through an input/output unit, a controller determines information about utility bills issued to the user through a wireless communication unit. transmitting a utility bill inquiry request message to a plurality of agency servers via a messenger server; receiving, by the control unit, a plurality of Giro information response messages from the agency servers via the messenger server; displaying, by the controller, a list of chat rooms between the responsible agencies and the user through a display unit using Giro information included in the Giro information response messages; and, by the controller, through the input/output unit and displaying a Giro chat room corresponding to the selected Giro chat room item through the display unit when one Giro chat room item is selected by the user from among a plurality of Giro chat room items included in the Giro chat room list.

An embodiment of the present invention can reduce the user's inconvenience by processing utility bills in a communication system.

Also, according to an embodiment of the present invention, user's inconvenience can be reduced by processing utility bills by displaying information received by each institution in a chatting format in a communication system.

In addition, effects that can be obtained or predicted due to the embodiments of the present invention will be directly or implicitly disclosed in the detailed description of the embodiments of the present invention. That is, various effects predicted according to an embodiment of the present invention will be disclosed within the detailed description to be described later.

1 is a configuration diagram of a communication system according to an embodiment of the present invention.
2 is a block diagram of a portable terminal according to an embodiment of the present invention.
3 is a block diagram of a messenger platform according to an embodiment of the present invention.
4 is a diagram illustrating a screen displaying a Giro chat room list in a portable terminal according to an embodiment of the present invention.
5 is a diagram illustrating a screen for paying utility bills in a portable terminal according to an embodiment of the present invention.
6A and 6B are flowcharts for processing utility bills in a communication system according to an embodiment of the present invention.
7 is a flowchart of generating a Giro chat room list in a portable terminal according to an embodiment of the present invention.
8 is a flowchart of setting a user interface of a Giro chat room in a portable terminal according to an embodiment of the present invention.
9 is a flowchart of paying utility bills in a portable terminal according to an embodiment of the present invention.

The terms used in this specification will be briefly described, and the present invention will be described in detail.

The terms used in the embodiments of the present invention have been selected from general terms that are currently widely used as much as possible while considering the functions in the present invention, but these may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technologies, etc. . In addition, in a specific case, there is also a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the invention. Therefore, the term used in the present invention should be defined based on the meaning of the term and the overall content of the present invention, not simply the name of the term.

Embodiments of the present invention can apply various transformations and can have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the scope to specific embodiments, and should be understood to include all conversions, equivalents, and substitutes included in the spirit and scope of the invention. In the description of the embodiments, if it is determined that a detailed description of a related known technology may obscure the gist, the detailed description will be omitted.

Terms such as first and second may be used to describe various components, but the components should not be limited by the terms. Terms are only used to distinguish one component from another.

Singular expressions include plural expressions unless the context clearly dictates otherwise. In this application, the terms "comprise" or "consist of" are intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other It should be understood that the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof is not precluded.

In an embodiment of the present invention, a 'module' or 'unit' performs at least one function or operation, and may be implemented with hardware or software, or a combination of hardware and software. In addition, a plurality of 'modules' or a plurality of 'units' are integrated into at least one module and implemented by at least one processor (not shown), except for 'modules' or 'units' that need to be implemented with specific hardware. It can be.

In an embodiment of the present invention, when a part is said to be "connected" to another part, this is not only when it is "directly connected" but also when it is "electrically connected" with another element in between. Also includes In addition, when a part "includes" a certain component, it means that it may further include other components without excluding other components unless otherwise stated.

Hereinafter, with reference to the accompanying drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily carry out the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

1 is a configuration diagram of a communication system according to an embodiment of the present invention.

Referring to FIG. 1 , the communication system includes a portable terminal 101 , a messenger server 103 , a responsible institution server 105 , and a financial server 107 .

Looking at each component, the financial server 107 provides a function of paying utility bills through the Internet. For example, the financial server 107 may receive a payment request message requesting payment of a specific utility bill from the portable terminal 101 through the messenger server 103 . Further, the financial server 107 may pay the corresponding utility bill based on the payment information included in the received payment request message, and generate a payment detail message including a payment result. And the financial server 107 transmits the payment detail message to the mobile terminal 101 through the messenger server 103 . For example, the financial server 107 may be a server of a particular bank. For example, the specific bank may be one of Kookmin Bank, Hana Bank, Shinhan Bank, Jeil Bank, Kakao Bank, KT Bank, Nonghyup Bank, and Woori Bank.

Meanwhile, in FIG. 1, one financial institution server 107 is shown, but the present invention is not limited thereto. For example, the number of financial institution servers 107 may be plural or more.

The agency server 105 provides a function of generating Giro information on utility bills and providing the information to the user. For example, the agency server 105 may receive a Giro information request message from the portable terminal 101 through the messenger server 103 . In addition, the responsible agency server 105 may detect giro information on utility bills imposed on the user of the portable terminal 101 based on user information included in the giro information request message. The responsible agency server 105 generates a giro information response message including the detected giro information, and transmits the giro information response message to the portable terminal 101 through the messenger server 103 .

For example, the responsible institution server 105 may be a server of a specific public institution that issues utility bills. For example, public institutions may include the National Tax Service, local governments, the National Medical Insurance Corporation, the National Police Agency, the Korea Customs Service, the National Pension Insurance Corporation, and the like. For example, the responsible agency server 105 may be a server of a specific company to which a user periodically pays a certain amount every month. For example, a specific company may be a communication service provider (eg, KT, SK Telecom, LG U+, etc.).

Meanwhile, in FIG. 1, the server 105 in charge is shown as one, but the present invention is not limited thereto. For example, there may be more than one server 105 in charge.

The messenger server 103 provides a function of connecting the portable terminal 101 and the server 105 in charge of the institution or between the portable terminal 101 and the server 107 of the financial institution.

For example, the messenger server 103 may receive a utility bill inquiry request message for requesting a utility bill inquiry from the portable terminal 101 . In addition, the messenger server 103 may detect user information of the mobile terminal 101 from a plurality of pre-stored user information by using the identifier of the mobile terminal 101 stored in the utility bill inquiry request message. For example, the identifier may be a phone number assigned to the portable terminal 101 . In addition, the messenger server 103 may generate a Giro information request message including user information and transmit it to the server 105 in charge. For example, the giro information request message may be a message requesting giro information on utility bills issued to the user. In response to the Giro information request message, the messenger server 103 may receive a Giro information response message from the responsible agency server 105 and transmit the received Giro information response message to the portable terminal 101 .

For example, the messenger server 103 may receive a payment request message from the portable terminal 101 and transmit the received payment request message to the financial institution server 107 . In response to the payment request message, the messenger server 103 may receive a payment details message from the financial institution server 107 and transmit the received payment details message to the portable terminal 101 .

The portable terminal 101 provides a utility bill payment function using a messenger platform. For example, the messenger platform may be an application that provides a function of inquiring and paying utility bills imposed on the user of the portable terminal 101 .

For example, the portable terminal 101 may transmit a utility bill inquiry request message to the messenger server 103 when a utility bill inquiry request is input from a user through a messenger platform. Further, the portable terminal 101 may receive at least one Giro information response message from at least one agency server 105 through the messenger server 103 as a response to the utility bill inquiry request message. Further, the mobile terminal 101 may generate and display a Giro list including at least one Giro item based on the at least one Giro information response message. For example, a giro item may include the name of a specific utility bill, the agency in charge, and the number of cases.

For example, when a user selects one of the Giro items from the Giro list, the mobile terminal 101 may generate and display at least one Giro chat room list corresponding to the selected Giro item. For example, the Giro chat room list may include at least one Giro chat room item. For example, the Giro chat room entry may include the name of the utility bill, the payment due, the number of unread messages, and the time the message was last received.

For example, when a user selects one Giro chat room item from the Giro chat room list, the portable terminal 101 may generate and display a Giro chat room corresponding to the selected Giro chat room item. For example, the Giro chat room may include Giro information and at least one message exchanged with the corresponding public institution.

For example, when a user requests setting a Giro chat room user interface (UI) for a displayed Giro chat room, the portable terminal 101 changes the importance of the Giro chat room according to the user's request. You can set the importance of the payment chat room for payment or set a due date alarm to notify you of the due date for paying utility bills in advance.

For example, when a utility bill payment request for a displayed chat room is requested by a user, the portable terminal 101 may generate a payment request message including information on the displayed chat room. In addition, the portable terminal 101 may transmit a payment request message to the financial server 107 through the messenger server 103 . In response to the payment request message, the portable terminal 101 may receive a payment details message from the financial server 107 through the messenger server 103 and display the received payment details message. Now, with reference to FIG. 2, the operation of the portable terminal 101 will be described in detail.

2 is a block diagram of a portable terminal 101 according to an embodiment of the present invention.

Referring to FIG. 2 , a portable terminal 101 includes a control unit 201, a memory 203, a messenger platform 205, a display unit 207, a wireless communication unit 209, and an input/output unit 211.

Looking at each component, the display unit 207 displays image data under the control of the control unit 201 . The implementation method of the display unit 207 is not limited, and may be implemented with various types of displays such as LCD, OLED display, AM-OLED, PDP, and the like. The display unit 207 may additionally include additional components according to its implementation method. For example, when the display unit 207 is a liquid crystal type, the display unit 207 includes an LCD display panel (not shown), a backlight unit (not shown) for supplying light thereto, and a panel for driving the panel (not shown). A driving substrate (not shown) may be included. The display unit 207 may be combined with a touch panel (not shown) of the input/output unit 511 to provide a touch screen (not shown).

The input/output unit 211 receives various commands from the user or outputs various data to external devices. For example, the input/output unit 211 may include at least one of a key, a touch panel, and a pen recognition panel.

The wireless communication unit 209 performs communication with various types of external devices according to various types of communication schemes. For example, the wireless communication unit 209 may include a Wi-Fi module and an LTE module.

The memory 203 stores various programs and data necessary for the operation of the portable terminal 101 . For example, the memory 203 may be implemented as non-volatile memory, volatile memory, flash memory, hard disk drive or solid state drive. For example, memory 203 may store messenger platform 205 . Now, the structure of the messenger platform 205 will be described in detail with reference to FIG. 3 .

3 is a diagram showing the structure of a messenger platform 205 according to an embodiment of the present invention.

Referring to FIG. 3 , a messenger platform 301 includes user information 303 , a real-time Giro user interface 305 , and a chat room list 307 .

Looking at each component, the user information 303 may represent information about the user of the portable terminal 101 . For example, the user information 303 may include a user name, date of birth, address, and phone number of the portable terminal 101 .

The real-time Giro user interface 305 provides a user interface of a specific Giro chat room. For example, the real-time Giro user interface 305 may receive and display a message corresponding to a specific Giro chat room from the server 105 in charge in real time, and search for specific Giro information according to a user's request.

The chat room list 307 performs a function of creating a chat room in a Giro selected by a user and arranging the chat room in the created Giro. The chat room list 307 includes a plurality of chat rooms 309 and 311 and a chat room list setting user interface 313 .

Each of the plurality of chat rooms 309 and 311 provides a Giro information display function, a chat function, a financial user interface providing function, a Giro chat room user interface setting function, and a payment detail message output function.

For example, the Giro information display function may indicate a function of displaying Giro content in the form of a notice in a Giro chat room. The conversation function may represent a function of having a conversation between the user and the counselor of the agency in charge of Giro through a message. The function of providing a financial user interface may indicate a function of providing a user interface for paying utility bills. For example, the financial user interface providing function may include a remittance function that remits a specific amount in real time and an automatic transfer function that automatically transfers the payment amount included in the giro information on a pre-specified date. For example, the Giro chat room user interface setting function may represent a function of setting a Giro chat room user interface. For example, the Giro chat room user interface setting function may include a priority setting function for setting the importance of a specific Giro chat room in order to increase the priority of the corresponding Giro chat room in the Giro chat room list, and a notification function notifying a utility bill payment period.

The chat room list setting user interface 313 provides a user interface for setting a chat room list to Giro. For example, the chat room list setting user interface 313 sorts a plurality of Giro chat room items in consideration of at least one of the priority set for the Giro chat room, the payment period, and the priority arbitrarily selected by the user, and arranges the Giro chat room items. You can create and display a list of chat rooms in Giro, which includes them in order.

The controller 201 controls overall operations of the mobile terminal 101 using various programs stored in the memory 203 .

For example, the control unit 201 may check whether a utility bill inquiry request is input by the user through the input/output unit 211 . For example, the controller 201 may display the screen 401 of FIG. 4 through the display unit 207 when the messenger platform is executed by the user. For example, the screen 401 may include a message including the sentence 'Inquire utility bills at once'. For example, if the user selects the word 'inquiry' 403 from the displayed message through the input/output unit 211, the controller 201 may determine that a utility bill inquiry request has been input. For example, the user's selection is made by a specific gesture, and the specific gesture may be a user's one finger touching the 'Search' letter 403 once.

As a result of the check, if a utility bill inquiry request is input, the control unit 201 may generate a utility bill inquiry request message and transmit the utility bill inquiry request message to the messenger server 103 through the wireless communication unit 209 . For example, the utility bill inquiry request message may be a message requesting inquiry of utility bills issued to the user of the portable terminal 101 during a certain period of time. For example, the utility bill inquiry request message may include an identifier of the portable terminal 101 and a command requesting utility bill inquiry. For example, the identifier of the portable terminal 101 may be a phone number of the portable terminal 101 . For example, the period of time may be 3 months or 6 months.

Also, the control unit 201 may receive a Giro information response message from the responsible agency server 105 via the messenger server 103 through the wireless communication unit 209 . For example, the controller 201 may receive a Giro information response message from each of a plurality of agency servers. For example, the giro information response message may include giro information. For example, giro information is information included in electronic giro paper, and includes utility bill billing institution, electronic payment number, taxpayer name, due period, due amount, post due period, and post due amount. can include

The control unit 201 may generate a giro list using the giro information included in the received giro information response message, and display the created giro list through the display unit 207 . For example, the Giro list may include the names of all responsible agencies registered in the messenger platform 205, the number of utility bills issued by the corresponding responsible agencies, and the total amount of utility bills.

For example, the controller 201 may display a list of giro as shown in screen 405 of FIG. 4 . For example, the control unit 201 classifies all responsible institutions according to pre-designated utility bill types, displays the name of the corresponding responsible institution for each classified responsible institution and the number of utility bills issued to the user, and displays the total amount of utility bills according to the utility bill type. can be calculated and displayed. For example, the controller 201 may highlight and display the name of the institution in charge of which utility bills issued to the user exist, and opaquely display the name of the institution in charge of which utility bills issued to the user do not exist.

Also, the control unit 201 may check whether one giro item is selected by the user from among a plurality of giro items included in the giro list displayed through the input/output unit 211 . For example, if a specific giro item is selected by the user from the displayed giro list, the controller 201 may determine that the giro item is selected. For example, the user's selection is made by a specific gesture, which may be a user's one finger touching the item 407 once with a specific finger.

As a result of checking, if one Giro item is selected, the controller 201 may create a Giro chat room list corresponding to the selected Giro item. For example, the controller 201 may identify a plurality of responsible agencies included in the selected Giro item, and create a Giro chat room list including Giro chat room items between the identified responsible agencies and the portable terminal 101 .

More specifically, the controller 201 searches for a plurality of pieces of UI setting information of a plurality of Giro chat rooms included in the selected Giro item. For example, each of the plurality of pieces of UI setting information may include a level of importance for a corresponding Giro chat room.

Further, the controller 201 sorts the Giro chat rooms according to a predetermined priority rule based on the importance included in the searched UI setting information and delivery dates included in the Giro information of the plurality of Giro chat rooms. For example, the priority rule is that chat rooms are prioritized over chat rooms with no priority set by priority, chat rooms are prioritized over chat rooms with short deadlines (due to long deadlines), and chat rooms are prioritized over chat rooms with short due dates. It may include that the chat rooms are first sorted according to the set importance. Then, the controller 201 creates a Giro chat room list including the sorted Giro chat rooms.

In addition, the control unit 201 may display a list of chat rooms with the Giro created through the display unit 207 . For example, the controller 201 may display a chat room list as shown in screen 409 of FIG. 4 . For example, the Giro chat room list may display Giro information received from a plurality of responsible agencies included in the Giro item in a chatting format for each responsible agency. For example, the giro chat room list may include a first giro chat room item including information on the giro to be paid, as well as a chat room item on the second giro including paid giro information. For example, the second giro chat room item may include information on giro paid within about six months from the current date.

Also, the controller 201 may check whether one Giro chat room item among a plurality of Giro chat room items included in the Giro chat room list is selected by the user through the input/output unit 211 . For example, when a specific Giro chat room item is selected by the user from the displayed Giro chat room list, the controller 201 may determine that the Giro chat room item is selected. For example, the user's selection is made by a specific gesture, and the specific gesture may be that the user's finger touches the 'IRS' 411, a chat room item, once with a specific finger.

As a result of checking, if the Giro chat room item is selected, the controller 201 may display the Giro chat room corresponding to the Giro chat room item selected by the user through the display unit 207 . For example, the controller 201 may display a chat room as shown on screen 501 of FIG. 5 . For example, the Giro chat room may include Giro information 503 corresponding to the Giro chat room item selected by the user and a message area for exchanging messages between the user and a counselor (or chatbot) in charge of Giro at the corresponding agency. there is. For example, the giro information 503 may include not only giro information to be paid but also giro information to be paid.

In addition, the control unit 201 may check whether the user requests the setting of the Giro chat room UI through the input/output unit 211 . For example, if a specific icon 505 is selected by the user in the displayed Giro chat room 501, the portable terminal 101 may determine that the Giro chat room UI setting has been requested.

As a result of the check, if the setting of the Giro chat room UI is requested, the controller 201 may set the Giro chat room UI according to the user's request.

In more detail, the controller 201 may display the UI setting screen of the chat room through the display unit 207 . For example, the UI setting screen of the Giro chat room may be the screen 509 in FIG. 5 .

Also, the control unit 201 may check whether the delivery date alarm setting is selected by the user. For example, if a specific icon 511 is selected by the user on the displayed UI setting screen 509, the controller 201 may determine that the due date alarm setting is selected.

As a result of the check, if the due date alarm setting is selected, the controller 201 may display a plurality of due date alarm dates to set the remaining due date through the display unit 207 . For example, there are no due date alarm dates. 1, 3 and 10 days may be included.

Also, the control unit 201 may check whether a specific due date alarm date is selected by the user from among the due date alarm dates displayed through the input/output unit 211 .

As a result of the check, if a specific delivery date alarm date is selected, the controller 201 may set a delivery date alarm based on the selected specific delivery date alarm date. For example, when the difference between the current date and the due date alarm is the same as the selected specific due date alarm date, the payment date of the utility bill corresponding to the corresponding chat room item is imminent, regardless of whether the messenger platform 205 is running or not. may be informing For example, the due date alarm may provide a function of displaying a phrase indicating that a payment date is imminent on the portable terminal 101 .

Unlike this, if the Giro chat room UI setting is not requested, the control unit 201 may check whether the priority setting of the Giro chat room is selected by the user through the input/output unit 211 . For example, if a specific icon 513 is selected by the user on the displayed UI setting screen 509, the controller 201 may determine that the priority setting of the chat room has been selected.

As a result of the check, if the importance setting of the Giro chat room is selected, the controller 201 may rearrange the arrangement order of the Giro chat room items in consideration of the importance of the Giro chat room in the Giro chat room list.

As a result, if the UI setting of the Giro chat room is not requested, the control unit 201 may check whether payment of utility bills in the Giro chat room is requested by the user through the input/output unit 211 . For example, if a user selects a specific icon 507 in the displayed chat room 501, the controller 201 may determine that utility bill payment is requested.

As a result of the check, when utility bill payment is requested, the controller 201 may generate a payment request message for utility bill payment.

More specifically, the controller 201 displays a payment function screen for paying utility bills corresponding to the chat room with the displayed information. For example, the payment function screen may be screen 515 of FIG. 5 . For example, the payment function screen may include a pay now icon 517 that provides a utility bill payment procedure in real time and a direct debit icon 519 that automatically processes a utility bill payment procedure on a pre-designated direct transfer date. .

In addition, the control unit 201 interlocks the user's financial information stored in advance with the messenger platform 205.

Also, the control unit 201 checks whether or not Pay Now is selected by the user through the input/output unit 211 . For example, when the user selects the pay now icon 517 on the payment function screen 515, it may be determined that the mobile terminal pay now is selected.

As a result of the check, if payment now is selected, the control unit 201 displays a financial information input screen for receiving financial information for payment through the display unit 207, and on the financial information input screen displayed through the input/output unit 211 Check whether financial information is input from the user. For example, financial information may include a user's account number and password.

As a result of the check, when financial information is input, the control unit 201 generates a payment request message based on the input financial information and giro information. For example, the payment request message may include giro information and financial information.

Unlike this, the control unit 201 checks whether automatic transfer is selected by the user through the input/output unit 211 . For example, when the direct debit icon 519 is selected by the user on the payment function screen 515, it may be determined that the portable terminal direct debit is selected.

As a result of the check, if direct debit is selected, the control unit 201 displays a financial information input screen for receiving financial information for payment through the display unit 207, and inputs financial information from the user through the displayed financial information input screen. receive And, the controller 201 displays a plurality of automatic transfer dates to set the automatic transfer dates through the display unit 207 . For example, multiple direct debit dates may range from the 1st to the 31st. Also, the control unit 201 checks whether a specific automatic transfer date is selected by the user from among the automatic transfer dates displayed through the input/output unit 211 .

As a result of the check, if a specific direct debit date is selected, the controller 201 generates a payment request message based on pre-stored financial information and giro information when the current date reaches the selected direct debit date.

In addition, the control unit 201 may transmit the payment request message generated through the messenger server 103 to the financial server 107 through the wireless communication unit 209 .

Also, the control unit 201 may receive a payment detail message from the financial server 107 through the wireless communication unit 209 in response to the payment request message. For example, the payment request message may include a utility bill payment processing result. For example, the utility bill payment processing result may include a first identifier indicating that utility bill payment has been completed or a second identifier indicating that utility bill payment has not been completed. In this case, the utility bill payment processing result may include the reason for not completing the payment together with the second identifier.

Also, the control unit 201 may display the received payment detail message through the display unit 207 . For example, when the first identifier is included in the payment detail message, the controller 201 may display a phrase 'Payment has been completed'. In contrast, when the second identifier is included in the payment detail message, the control unit 201 may display the reason for incomplete payment together with the phrase 'Payment has not been completed'.

Through this configuration, an embodiment of the present invention can reduce the user's inconvenience by processing utility bills in the communication system. In addition, an embodiment of the present invention can reduce user's inconvenience by processing utility bills in a communication system.

6A and 6B are flowcharts for processing utility bills in a communication system according to an embodiment of the present invention.

Referring to FIGS. 6A and 6B , in step 601 , the portable terminal 101 checks whether a utility bill inquiry request is input by the user. For example, the portable terminal 101 may display a screen 401 of FIG. 4 when a messenger platform is executed by a user. For example, the screen 401 may include a message including the sentence 'Inquire utility bills at once'. For example, if the user selects the word 'inquiry' 403 on the displayed screen 401, the portable terminal 101 may determine that a utility bill inquiry request has been input.

As a result of the check, if a utility bill inquiry request is input, the portable terminal 101 proceeds to step 603, and otherwise, it repeatedly performs step 601.

In step 603, the portable terminal 101 generates a utility bill inquiry request message and transmits it to the messenger server 103.

In step 605, the messenger server 103 receives the utility bill inquiry request message from the mobile terminal 101 and generates a Giro information request message using the received utility bill inquiry request message.

At this time, the messenger server 103 searches for an identifier of a user corresponding to an identifier of the portable terminal 101 included in the received utility bill inquiry request message among a plurality of identifiers of a plurality of users stored in advance. Then, the messenger server 103 generates an information request message including the searched user's identifier. For example, the user's identifier may be input when the user subscribes to the messenger platform and stored in the messenger server 103 .

In step 607, the messenger server 103 transmits the generated Giro information request message to the server 105 in charge. For example, when there are more than one server 105 in charge, the messenger server 103 may transmit the generated Giro information request message to each of the plurality of agency servers.

In step 609, the agency server 105 receives the giro information request message from the messenger server 103, and uses the user information included in the received giro information request message to provide giro information on utility bills issued to the user for a certain period of time. detect

In step 611, the responsible agency server 105 generates a giro information response message including the detected giro information. If Giro information corresponding to the user information does not exist in the responsible agency server 105, the responsible agency server 105 sends a Giro response message including Giro information including an identifier indicating that the corresponding Giro information does not exist. generate In addition, the responsible agency server 105 transmits the Giro information response message generated through the messenger server 103 to the portable terminal 101 .

In step 613, the portable terminal 101 receives a Giro information response message from the responsible agency server 105 through the messenger server 103. For example, the portable terminal 101 may receive a Giro information response message from each of a plurality of agency servers.

Then, the mobile terminal 101 generates a giro list using the giro information included in the received giro information response message, and displays the created giro list. For example, the portable terminal 101 may display a list of giro as shown in screen 405 of FIG. 4 . For example, the portable terminal 101 classifies all responsible institutions according to the type of utility bills designated in advance, displays the name of the corresponding responsible institution for each classified responsible institution and the number of utility bills issued to the user, and displays the total number of public bills according to the utility bill type. The amount can be calculated and displayed. For example, the portable terminal 101 may highlight and display the name of an agency in charge of which utility bills issued to the user exist, and opaquely display the name of an agency in charge of which utility bills issued to the user do not exist.

In step 615, the portable terminal 101 checks whether one giro item is selected by the user from among a plurality of giro items included in the displayed giro list. For example, when a specific giro item is selected by the user from the displayed giro list, the portable terminal 101 may determine that the giro item is selected.

As a result of the check, if one giro item is selected, the portable terminal 101 proceeds to step 617, and if not, it repeatedly performs step 615.

In step 617, the portable terminal 101 creates a Giro chat room list corresponding to the selected Giro item. For example, the mobile terminal 101 may identify a plurality of responsible agencies included in the selected Giro item, and create a Giro chat room list including Giro chat room items between the identified responsible agencies and the portable terminal 101. . Now, with reference to FIG. 7 , an operation of generating a Giro chat room list by the portable terminal 101 will be described in detail.

7 is a flowchart of generating a Giro chat room list in the portable terminal 101 according to an embodiment of the present invention.

Referring to FIG. 7 , in step 701, the portable terminal 101 searches for a plurality of pieces of UI setting information of a plurality of Giro chat rooms included in a selected Giro item.

In step 703, the portable terminal 101 sorts the Giro chat rooms according to a predetermined priority rule based on the importance included in the searched plurality of UI setting information and delivery dates included in the Giro information of the plurality of Giro chat rooms.

In step 705, the portable terminal 101 creates a Giro chat room list including sorted Giro chat rooms.

Returning to FIG. 6 , in step 619 , the portable terminal 101 displays the chat room list with the created message. For example, the mobile terminal 101 may display a chat room list as shown in screen 409 of FIG. 4 .

In step 621, the portable terminal 101 checks whether one Giro chat room item is selected by the user from among a plurality of Giro chat room items included in the Giro chat room list. For example, when a specific Giro chat room item is selected by the user from the displayed Giro chat room list, the portable terminal 101 may determine that the Giro chat room item is selected.

As a result of the check, if the chat room item is selected, the portable terminal 101 proceeds to step 623, and if not, it repeatedly performs step 621.

In step 623, the portable terminal 101 displays a chat room corresponding to the chat room item selected by the user. For example, the mobile terminal 101 may display a chat room as shown in screen 501 of FIG. 5 .

In step 625, the portable terminal 101 checks whether or not the user requests setting a chat room UI. For example, if a specific icon 505 is selected by the user in the displayed Giro chat room 501, the portable terminal 101 may determine that the Giro chat room UI setting has been requested.

As a result of the check, if the setting of the chat room UI for Giro is requested, the mobile terminal 101 proceeds to step 627, and if not, proceeds to step 629.

In step 627, the portable terminal 101 sets a chat room UI according to the user's request. Now, with reference to FIG. 8 , an operation of setting a chat room UI by the portable terminal 101 to Giro will be described in detail.

8 is a flowchart of setting a user interface for a Giro chat room in the portable terminal 101 according to an embodiment of the present invention.

Referring to FIG. 8 , in step 801, the portable terminal 101 displays the UI setting screen of the Giro chat room. For example, the UI setting screen of the Giro chat room may be the screen 509 in FIG. 5 .

In step 803, the portable terminal 101 checks whether the due date alarm setting is selected by the user. For example, when a specific icon 511 is selected by the user on the displayed UI setting screen 509, the portable terminal 101 may determine that the due date alarm setting is selected.

As a result of the check, if the delivery date alarm setting is selected, the portable terminal 101 proceeds to step 805, otherwise it proceeds to step 811.

In step 805, the portable terminal 101 displays a plurality of notification dates to set the remaining due date.

In step 807, the portable terminal 101 checks whether a specific notification date is selected by the user from among displayed notification dates.

As a result of the check, if a specific notification date is selected, the portable terminal 101 proceeds to step 809, otherwise it repeatedly performs step 807.

In step 809, the portable terminal 101 sets a due date alarm based on the selected specific notification date.

In step 811, the portable terminal 101 checks whether the priority setting of the Giro chat room is selected by the user. For example, if a specific icon 513 is selected by the user on the displayed UI setting screen 509, the portable terminal 101 may determine that the priority setting of the chat room has been selected.

As a result of the confirmation, if setting the priority of the chat room by Giro is selected, the portable terminal 101 proceeds to step 813, otherwise it proceeds to step 803.

In step 813, the mobile terminal 101 rearranges the arrangement order of the Giro chat room items in consideration of the importance of the Giro chat room in the Giro chat room list.

Returning to FIG. 6 , in step 629 , the portable terminal 101 checks whether utility bill payment is requested by the user in the Giro chat room. For example, if a specific icon 507 is selected by the user in the displayed chat room 501, the portable terminal 101 may determine that utility bill payment is requested.

As a result of the check, if utility bill payment is requested, the portable terminal 101 proceeds to step 631, and otherwise, it repeatedly performs step 629.

In step 631, the portable terminal 101 generates a payment request message for utility bill payment. Now, with reference to FIG. 9 , an operation of generating a payment request message in the portable terminal 101 will be described in detail.

9 is a flowchart of paying utility bills in the portable terminal 101 according to an embodiment of the present invention.

Referring to FIG. 9 , in step 901, the mobile terminal 101 displays a payment function screen for paying utility bills corresponding to the chat room with the displayed information. For example, the payment function screen may be screen 515 of FIG. 5 .

In step 903, the mobile terminal 101 interlocks the previously stored financial information of the user with the messenger platform 205.

In step 905, the mobile terminal 101 checks whether or not Pay Now is selected by the user. For example, when the user selects the pay now icon 517 on the payment function screen 515, it may be determined that the mobile terminal pay now is selected.

As a result of the confirmation, if payment now is selected, the portable terminal 101 proceeds to step 907, otherwise it proceeds to step 911.

In step 907, the portable terminal 101 displays a financial information input screen for receiving financial information for payment, and checks whether financial information is input from the user through the displayed financial information input screen.

As a result of the check, if financial information is input, the portable terminal 101 proceeds to step 909, otherwise it repeatedly performs step 907.

In step 909, the portable terminal 101 generates a payment request message based on the input financial information and giro information. For example, the payment request message may include giro information and financial information.

In step 911, the mobile terminal 101 checks whether direct debit is selected by the user. For example, when the direct debit icon 519 is selected by the user on the payment function screen 515, it may be determined that the portable terminal direct debit is selected.

As a result of the check, if automatic debit is selected, the portable terminal 101 proceeds to step 913, otherwise, the operation of generating a payment request message ends.

In step 913, the portable terminal 101 displays a financial information input screen for receiving financial information for payment, and receives financial information from the user through the displayed financial information input screen. And, the mobile terminal 101 displays a plurality of automatic transfer dates to set the automatic transfer dates. Further, the portable terminal 101 checks whether a specific direct debit date is selected by the user from among the displayed direct debit dates.

As a result of the check, if a specific direct debit date is selected, the portable terminal 101 proceeds to step 915, otherwise it repeatedly performs step 913.

In step 915, the portable terminal 101 generates a payment request message based on pre-stored financial information and giro information when the current date reaches the selected direct debit date.

Returning to FIG. 6 , in step 633 , the portable terminal 101 transmits the generated payment request message to the financial server 107 through the messenger server 103 .

In step 635, the financial server 107 receives the payment request message, and processes utility bill payment based on the Giro information and user information included in the received payment request message. And the financial server 107 generates a payment detail message including the utility bill payment processing result. For example, the utility bill payment processing result may include a first identifier indicating that utility bill payment has been completed or a second identifier indicating that utility bill payment has not been completed. At this time, the utility bill payment processing result may include the reason for not completing the payment together with the second identifier.

In step 637, the financial server 107 transmits the payment detail message to the portable terminal 101 through the messenger server 103.

In step 639, the portable terminal 101 receives a payment details message from the financial server 107, and displays the received payment details message. For example, when the first identifier is included in the payment detail message, the portable terminal 101 may display a phrase 'Payment has been completed'. In contrast, when the second identifier is included in the payment detail message, the mobile terminal 101 may display the reason for incomplete payment together with the phrase 'Payment has not been completed'.

Through this process, an embodiment of the present invention can reduce the user's inconvenience by processing utility bills in the communication system. In addition, an embodiment of the present invention can reduce user's inconvenience by processing utility bills in a communication system.

Although the preferred embodiments of the present invention have been shown and described above, the present invention is not limited to the specific embodiments described above, and is common in the art to which the present invention pertains without departing from the gist of the present invention claimed in the claims. Of course, various modifications and implementations are possible by those with knowledge of, and these modifications should not be individually understood from the technical spirit or perspective of the present invention.

101: mobile terminal
103: messenger server
105: server in charge
107: financial server
201: control unit
203: memory
205: messenger platform
207: display unit
209: wireless communication unit
211: input/output unit

Claims (12)

display unit;
input/output unit;
wireless communication unit; and
When a utility bill inquiry request is requested by a user through the input/output unit, a utility bill inquiry request message requesting inquiry on utility bills issued to the user is transmitted to a plurality of agency servers via a messenger server through the wireless communication unit; Receives a plurality of Giro information response messages from the responsible organization servers through a messenger server, and displays a list of chat rooms between the responsible organizations and the user through the display unit using the Giro information included in the Giro information response messages. A Giro chat room list is displayed, and when one Giro chat room item is selected by the user from among a plurality of Giro chat room items included in the Giro chat room list through the input/output unit, a message corresponding to the selected Giro chat room item is displayed through the display unit. A system for processing payment using a chat room in a communication system including a control unit displaying a chat room with Giro.
According to claim 1,
The Giro chat room includes a message area displaying Giro information corresponding to the Giro chat room and at least one message transmitted and received between the counselor of the agency in charge and the user. system to process.
According to claim 1,
When the user requests to set the importance of the Giro chat room through the input/output unit, the control unit sets the importance of the Giro chat room, and rearranges the Giro chat room items in the Giro chat room list in consideration of the set importance. A system for processing payment using a chat room in a communication system, characterized in that for doing.
According to claim 1,
The control unit displays a plurality of due date alarm dates through the display unit when the user requests to set a due date alarm in the Giro chat room through the input/output unit, and selects one of the displayed due date alarm dates through the input/output unit. When a due date alarm date is selected by the user, the payment due date alarm is set to alarm the due date of utility bills in the Giro chat room based on the selected due date alarm date, and the communication system processes the payment using the chat room. system to do.
According to claim 1,
The controller generates a payment request message including financial information input from the user and Giro information of the Giro chat room, when direct payment of utility bills in the Giro chat room is requested by the user through the input/output unit; Transmitting the payment request message to a financial server via the message server through a wireless communication unit, and in response to the payment request message, a payment details message including a payment result of the utility bill from the financial server through the wireless communication unit A system for processing payment using a chat room in a communication system, characterized in that for receiving and displaying the payment result of the utility bill through the display unit.
According to claim 1,
The control unit generates a giro list indicating all utility bills issued to the user by using the giro information included in the giro information response messages, displays the giro list through the display unit, and displays the giro list through the input/output unit. When one Giro item is selected by the user from among a plurality of Giro items included in the Giro list, a Giro chat room list indicating a chat room list between a plurality of responsible organizations included in the Giro item and the user is displayed through the display unit. A system for processing payment using a chat room in a communication system, characterized in that for displaying.
When a utility bill inquiry is requested by a user through the input/output unit, the control unit transmits a utility bill inquiry request message requesting inquiry on utility bills issued to the user through a wireless communication unit to a plurality of agency servers via a messenger server ,
receiving, by the control unit, a plurality of Giro information response messages from the servers in charge of the agency via the messenger server;
displaying, by the controller, a list of chat rooms between the responsible agencies and the user through a display unit using the Giro information included in the Giro information response messages; and
When one Giro chat room item is selected by the user from among a plurality of Giro chat room items included in the Giro chat room list through the input/output unit, the control unit displays the Giro chat room corresponding to the selected Giro chat room item through the display unit. A method of processing payment using a chat room in a communication system including a process of displaying.
According to claim 7,
The Giro chat room includes a message area displaying Giro information corresponding to the Giro chat room and at least one message transmitted and received between the counselor of the agency in charge and the user. how to deal with it.
According to claim 7,
setting, by the control unit, the importance of the Giro chat room through the input/output unit, when the user requests to set the importance of the Giro chat room; and
and rearranging, by the control unit, the Giro chat room items in the Giro chat room list in consideration of the set importance.
According to claim 7,
displaying, by the control unit, a plurality of due date alarm dates through the display unit when the user requests setting a due date alarm in the Giro chat room through the input/output unit; and
When one due date alarm date is selected by the user from among the displayed due date alarm dates through the input/output unit, the control unit is configured to alarm the due date of the utility bill for the Giro chat room based on the selected due date alarm date. How to process payment using a chat room in a communication system further comprising the process of setting a.
According to claim 7,
generating, by the control unit, a payment request message including financial information input from the user and Giro information of the Giro chat room, when direct payment of utility bills in the Giro chat room is requested by the user through the input/output unit;
Transmitting, by the control unit, the payment request message to a financial server via the message server through the wireless communication unit;
Receiving, by the control unit, a payment detail message including a payment result of the utility bill from the financial server through the wireless communication unit in response to the payment request message; and
The method of processing payment using a chat room in a communication system, characterized in that the control unit displays a result of payment of the utility bill through the display unit.
According to claim 7,
The process of displaying the Giro chat room list,
generating, by the control unit, a giro list indicating all utility bills issued to the user by using the giro information included in the giro information response messages, and displaying the giro list through the display unit; and
When one giro item is selected by the user from among a plurality of giro items included in the giro list through the input/output unit, the controller communicates with a plurality of responsible agencies included in the selected giro item through the display unit and the A method of processing payment using a chat room in a communication system, comprising the step of displaying a list of chat rooms with a map indicating a list of chat rooms between users.

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