200945223 九、發明說明： 【發明所屬之技術領域】 本發明係有關於一種電腦實施之電子帳單處理程 序。 【先前技術】 人們經常使用按月付費的各種服務。因此，許多公 司通常會對於這些服務產生單。例如，—般民幕可 能是按月收到一電費帳單及一電話帳單。 才許也會利用信用卡來購買貨品及服務。 Πί’Ξί人士通常會自發行各張信用卡的公司 或銀行收到一帳早。 帳單通常是按-紙祕式所產生 務而傳送。郵政服務財雖可 =域過郵政服 箱内。因而有些帳單可能寄丟。 S難^情讀件从魏張帳單後，亦經常200945223 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to a computer-implemented electronic billing processing program. [Prior Art] People often use various services that are paid monthly. As a result, many companies typically generate orders for these services. For example, a general screen may receive a monthly electricity bill and a telephone bill. Credit cards are also used to purchase goods and services. Πί’Ξί people usually receive an account from the company or bank that issued each credit card. Bills are usually sent in the same way as the paper secret. Although the postal service can be used in the postal service box. As a result, some bills may be lost. S difficult to read the love after the Wei Zhang bill, often
= 紙張帳單進行追縱。許多人在收到:單I 後會將帳早誤置。此外，各胪 你队剃恨早< 到期。因此，哞夕又4亡各帳通节是在不同的到期日 從-經= = = = 【發明内容】 的設示:Γ以處理電子報表(亦即電子帳單) ，=法。根據不同的具體 ) 按-電子郵件訊息之形式而傳送。 $子報表係 在一具體實施例，收到—針 Φ 電子郵件訊息，該電子郵件:電子郵件位址的 包含與—帳單相關聯的 200945223 帳^資訊’其中該帳單資訊表示出— 偏該帳單的寄件人及該帳單的收二:以 資訊。錢好’並且根據馳㈣錢㈣處理該^ 動-的具體實施例，該帳單資訊處理可包含啟 程、將與該帳單相關聯的資訊加至—由行排 式所維護的電子行事層中，及/或排程應用程 作為即將來臨之鮮截止日__。夕通知以供 根5-特定具體實施例，該系、財修改該電子郵株 郵V乂在將該電子郵件訊息提供至該收件人的電： 郵件“之前細人-或多個超文字鏈# ，子 單的收件人可透過這些鏈結以建立其—岐用者偏= 在另-具體實施例裡，本發明是關於—種1 八 :處理器、記憶體及-顯示器的裝置。該處理器= 體係配置以執行一或多個前述方法之作業。在另—且= 肇 實施例裡，本發明是關於-其上儲存有電腦程式指2 電腦可讀取儲存媒體，用以執行一或多前述方法之3 業。 本發明的此等及其他特性與優點將在後續之說明 和附圖中進一步地詳細呈現，以藉由示例以說明本發明 原理。 [實施方式】 現將詳細參照於本發明之特定具體實施例。該等具 體實施例之範例將於附圖中說明。雖然本發明將併同該 等特定具體實施例加以描述，然應瞭解此非將本發明限 200945223 制於該等具體實_。相反地，目 ，載申請專利範圍所定義之發明精神與範=於 ifi、修性i等效性項目。下列說明將呈現多個特 疋、..田印’則，、通盤了解本發明。然無 :;=:rr。在其他實例裡，並未二: 的處理程序操作加以描述，以避免非必要地模糊本 明。 ❺ 單）可n 體實施例容許—電子報表（亦即電子帳 :二主動處理。可以—電子郵件訊息之形式發送-’其包含與—帳單相關聯的帳單資訊。例如， 表示—帳單金額、該帳單的到期日、該帳 =2 &即如電話公司、水電公司等等）及該帳單的 消費者的名稱及/或帳戶號碼）。當然，該 ^早、甘人及該帳單的收件人在發送該電子報表 以：所提供之個別電子郵件地址來識別。 方塊圖’其說明一範例系統，其中各式 米一 it報表之自動化處理的具體實關可被實行。。 人產生—電子報表以傳送至，費者時，該寄 :帝：f:該寄件人之電子郵件地址透過電子郵件將 ^發送至與該消費者相關聯的一或多個電子 址。，如，該寄件人可為一公司，例如一電話公 際網路104或—銀行…旦既已透過網 網站可將該電=電二報表’—：管該電子郵件地址之 聯的電子郵件^報表轉寄至—與該電子郵件地址相關 或經修改之電者，賴站可產生並轉寄一不同 一步詳述。報表至該電子郵件地址，即如後文中進 7 200945223 一代官该電子郵件位址的網站可為由一或多個伺 服器所支援。在此範例，該網站包含一郵件伺服器1〇8 及一付款伺服器110。然而，重點是注意到此處所述之 功能亦可由一單一伺服器及較多數量的伺服器所執行。 當收到來自該寄件人該電子報表時，郵件伺服器 108可認證該電子報表。尤其，郵件伺服器1〇8可擷取 安全及/或識別資料，藉以認證該電子報表的寄件人。同 樣，，郵件伺服器1〇8可認證在該電子報表中所提供之 帳單資訊的格式。詳細地說，可按照一標準化電子報表 格式以驗證該帳單資訊的格式。 假設郵件伺服器1〇8既已認證該電子報表，伺服器 )08可將—包含該帳單資訊之經修改電子報表發送至該 ，費者的電子郵件信箱。例如，郵件伺服器1〇8可根 二組:吏用者顯示偏好以修改該電子報表，即如後文中進 報二如另—範例，郵件伺服器108可修改該電子 進Ϊ牛；各訊和-或多個超文字鏈結，如後文中 訊，=。該經修改電子報表可稱為一第二電子郵件 提伺服器108並不會在 改該使財子郵㈣狀前先修 根據各式具體實施例，郵件伺服哭γ A 報表擷取帳單資訊並且儲存該帳^^10^自該電子 施例裡，另—+ΊΗβ55 ^早貝訊。在其他具體實 帳單j訊並且儲存該帳單資訊相服11 11G，可擷取該 收件===”子報表時，消費者(亦即 帳單資气μ a疋對於處理該帳單及相對應 貝訊的-或多個使用者偏好。如此，使用者= 200945223 ❹ 早！定性。也可能消費者112已指定-或多個使 用者偏好來f理以該消費者之電子郵件地址為收件地 =所有帳單。例如，該消費者可能希望當該系统收件 %動地支付其所有帳單（即在該系統時該消費者 =花時間存取其電子郵件）。如此，鱗使用者偏好^ 匕3用以自動化處理在該消費者之電子郵件地址 到的所有電子報表之指令。亦可能—擁有多個電子 地址的消費者可產生—組應用於所有這些電子郵件地 址的使用者偏好。換言之，該等使用者偏好可關聯於一 特定個人(例如該(等)帳單的地址），而非一特定電子郵件 地址。該等使用者偏好亦可指定專用於一特定寄件人。 =如，該等使用者偏好可提供對於來自—電話公司之帳 單自動化處理的指令，而其中該使用者希望是以不同方 式來處置不同類型的帳單。 根據各式具體實施例，該等使用者偏好可表示是否 一使用者有意自動化支付其帳單或是這些帳單的=集 合。一指示自動化支付此等帳單的系統設定可稱為「自、 動模式(Automode)」。同樣地，該等使用者偏好可表示不 要自動支付所有帳單或是該等帳單的子集合。換言之， 該使用者可能希望依人為選定一帳單以電子、^式付 ^-指示以人為選定此㈣單進行電子付款的系^設 疋稱為「人工模式（Manual mode)」。 根據一具體實施例，該使用者可建立—帳單的門 金額，其對於金額低於該門檻_金額的帳單，該系統自動 付款特性為自動模式。自動模式可適用於建立規則性 =自動付款，例如該使用者在付款之前不會想電 話或電費帳單。如另-範例，對於一金額高於職值 200945223 工帳單’ 4使用者可建立該系統自動付款特性為人 特莫式可適用於在當—例如一信用卡帳單之 行修i什7額會每月改變’這可讓該使用者能夠在進 前先確認該帳單金額及/或驗證該帳單上 ❹ 觸發體實施例，可彻―門難金額的設定以 值金額的"通4者或另—個人就其帳單金額高於該門擦 系統支===單母想f檢閱並控制透過該 定，在早各= 式，則可建立起一系統設 父母。此外ί早ΐ額超過父母所建立的門檻時則通知 播時該系統可自動設定為人工=之帳=金額尚於該門 行付款之前先檢閱鱗ίΐ。料，崎父母能夠在進 偏好11G可負責根據朗#者的指^使用者 動該帳單的電子付款。例如，消費者112Ϊ :期曰自動支付該帳單。此;付以== ;相同的金額或是舆該帳單金額相異的全額:在:ί 實施例裡’付款飼服器110啟動一自：m體 m之銀行帳戶至該電子動自=_費者在一銀行 相同或不同銀行)的電子資金轉帳。，订帳戶（可位於 並他^108亦可根據該等使用者偏好執行各種 八他力月匕。例如’郵件伺服器108 種 單資訊加至該使用者的-行事層令。如有：帳 伺服器108可預備、排程 另一靶例，郵件 用者。例如，此一通知可及二 並且作為-接近帳單到期日^提^或所有的帳單資訊， 200945223 第二圖係-處理流程圖，其說明一處理 的範例方法。在搬，當_—電子郵件訊 :在該電子報表中所識別之寄件人寄發的有電 ❹ 鲁 接著’該祕可將該電子郵件訊級供至 。或者，該系統可修改包含該電子報表 =息，並且將雜錢電子郵件訊息提供至該電= 牛址《此一經修改電子郵件訊息可稱為—第二 第二電子郵件訊息可包含該第-電子郵件訊 : = 及額外的資訊及/或超文字鏈結，如後文中 =於第，、圖進-步詳述。根據—組使用者顯示偏好， ^使用者的電子郵件信箱中可提供一電子郵件訊 心，如後文中進一步詳述。 ，204，該系統亦可取得一組使用者偏好。一或多 】該等使用者偏好可先行由該消費者建立，例如其中該 =使用者偏好為用以處理所有電子報表的指令。此外， :，使用者開啟一電子報表時可動態地取得一或多個 =等使用者偏好，例如例如其中該等使用者之偏好係針 =於自，化處理一特定的電子報表。例如，該消費者可 、j該第二電子郵件訊息之内提供的一或多個超文字 ，結’以指定一或多個使用者偏好，如後文中進一步詳 述。或者’該消費者可透過例如下拉式選單的其他機制 以指定使用者偏好。 抑次在206 ’假設該系統既已自該電子報表中擷取該帳 單貝訊或其局部，則該系統可處根據該組使用者偏好(及 11= Paper bills are tracked. Many people will receive the error after receiving the single I. In addition, each of your team shaves early & expires. Therefore, the 哞 又 4 4 各 各 各 各 各 各 各 各 各 各 各 各 各 各 各 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐 帐According to different specifics, it is transmitted in the form of -email message. The $subreport is in a specific embodiment, receiving a pin Φ e-mail message, the e-mail address containing the 200945223 account information associated with the bill, where the bill information is indicated - partial The sender of the bill and the receipt of the bill: to the information. The money is good, and according to the specific embodiment of the processing of the mobile phone, the billing information processing may include the departure, adding the information associated with the bill to the electronic transaction layer maintained by the row arrangement. The medium and/or scheduling application is the upcoming deadline __. In the case of a root-specific embodiment, the system modifies the e-mail to provide the e-mail message to the recipient's e-mail: the message "previously fine-- or multiple hypertext Chain #, the recipient of the sub-sheet can be established through these links - the user is biased = in another embodiment, the present invention relates to a type 1-8: processor, memory and display device The processor is configured to perform one or more of the foregoing methods. In another embodiment, the present invention relates to a computer readable storage medium for storing computer program The above and other features and advantages of the present invention will be set forth in the Detailed Description and the accompanying drawings. The specific embodiments of the present invention are described in detail with reference to the accompanying drawings. Made in these _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The present invention has no:; =: rr. In other instances, the processing operations of the second: are not described to avoid unnecessarily obscuring the description. ❺ Single) can be implemented in an embodiment - electronic report (also That is, the electronic account: two active processing. Can be sent in the form of an email message - 'which contains the billing information associated with the bill. For example, the representation - the bill amount, the due date of the bill, the account = 2 & ie, the telephone company, hydropower company, etc.) and the name and/or account number of the consumer of the bill. Of course, the recipient of the bill, the person and the bill is sending the electronic report. It is identified by the individual email address provided. The block diagram 'illustrates an example system in which the specific implementation of the automated processing of various meters-it reports can be carried out. Man-generated-electronic reports are transmitted to, fee When sending, the emperor: f: the sender The email address is sent via email to one or more electronic addresses associated with the consumer. For example, the sender can be a company, such as a telephone public network 104 or a bank... The e-mail report of the e-mail address can be forwarded to the e-mail address associated with the e-mail address or the modified e-mail address can be generated and transferred through the website. Send a different step to detail. The report to the e-mail address, as in the following paragraph 7 200945223 The website of the e-mail address of the generation may be supported by one or more servers. In this example, the website contains one The mail server 1 8 and a payment server 110. However, it is important to note that the functions described herein can also be performed by a single server and a larger number of servers. When the electronic report is received from the sender, the mail server 108 can authenticate the electronic report. In particular, the mail server 1 8 can retrieve the security and/or identification data to authenticate the sender of the electronic report. Similarly, mail server 8.1 can authenticate the format of the billing information provided in the electronic report. In detail, the format of the billing information can be verified in a standardized electronic report format. Assuming that the mail server 1〇8 has authenticated the electronic report, the server 08 can send a modified electronic report containing the billing information to the email address of the payer. For example, the mail server 1 8 can be rooted in two groups: the user displays the preference to modify the electronic report, that is, as in the following, the mail server 108 can modify the electronic input to the yak; And - or a number of hypertext links, such as the following news, =. The modified electronic report may be referred to as a second email providing server 108 and will not be pre-repaired according to various embodiments, and the mail server is crying γ A report to obtain billing information. And store the account ^ ^ 10 ^ from the electronic example, another - + ΊΗ β55 ^ early Bay News. In the case of other specific bills and storing the bill information to match 11 11G, the consumer can be retrieved when the sub-report is available for the sub-reports (ie, billing information) And corresponding to Beit's - or multiple user preferences. Thus, user = 200945223 ❹ early! Qualitative. It is also possible that the consumer 112 has specified - or multiple user preferences to refer to the consumer's email address For the place of receipt = all bills. For example, the consumer may wish to pay all of their bills when the system receives % of the bill (ie, the consumer = spend time accessing their emails while in the system). The scale user preferences ^3 are used to automate the processing of all electronic reports to the consumer's email address. It is also possible that a consumer with multiple electronic addresses can generate a group for all of these email addresses. User preferences. In other words, such user preferences may be associated with a particular individual (eg, the address of the bill) rather than a particular email address. The user preferences may also be specified for a particular email. Person. = as The user preferences may provide instructions for automated processing of bills from the telephone company, wherein the user desires to handle different types of bills in different ways. According to various embodiments, the users The preference may indicate whether a user intends to automatically pay their bills or the set of these bills. A system setting indicating that the bills are automatically paid for may be referred to as "Automode". Such user preferences may indicate that all bills or a subset of the bills are not automatically paid. In other words, the user may wish to select one (4) by electronically, by pressing the ^-instruction. The system for making electronic payments is referred to as "manual mode." According to a specific embodiment, the user can establish a bill amount for the bill, for bills whose amount is less than the threshold _ amount, The system's automatic payment feature is automatic mode. The automatic mode can be used to establish regularity = automatic payment, for example, the user does not want to call or pay bills before paying. Another - example, for a value higher than the job value 200945223 work bill '4 users can establish the system automatic payment feature for people to apply for the right - in the case of a credit card bill Change monthly 'This allows the user to confirm the bill amount before entering and/or verify the billing 实施 trigger body embodiment, which can be set to the value of the amount of money. Or another person - the amount of the bill is higher than the door wipe system === single mother wants to review and control through the set, in the early =, you can establish a system to set up parents. When the amount exceeds the threshold established by the parent, the system can be automatically set to manual = account when the broadcast is notified. The amount is still checked before the payment is made. It is expected that the parents can be in charge of the 11G. The user's finger ^ user moves the electronic payment of the bill. For example, the consumer 112Ϊ: automatically pays the bill during the period. This is the same amount or the full amount of the bill amount: in: ί In the example, the 'payment machine 110 starts from a bank account of m body m to the electronic movement = _ Fees are transferred by electronic funds in the same bank or in different banks. , the subscription account (can be located and he can also perform various eight-monthly shackles according to the preferences of the user. For example, 'mail server 108 kinds of information added to the user's-action layer order. If yes: The server 108 can prepare, schedule another target, and mail the user. For example, this notification can be accessed and as a - near billing due date ^ or all billing information, 200945223 second picture - Processing flow chart, which illustrates an example method of processing. When moving, when the email is sent by the sender identified in the electronic report, then the secret can be sent to the email. Or the system can be modified to include the electronic report = information, and the miscellaneous email message is provided to the electricity = cattle address "this modified email message can be called - the second second email message can be Including the first-email: = and additional information and / or hypertext links, as in the following = in the first, the picture into the step-by-step details. According to - group user display preferences, ^ user's email An email message can be provided in the mailbox. As further described in detail later, 204, the system may also obtain a set of user preferences. One or more] such user preferences may be established by the consumer first, for example, where the user preference is to process all of the electronic The instructions of the report. In addition, the user can dynamically obtain one or more user preferences when opening an electronic report, for example, wherein the user's preference pin = self-processing, processing a specific electronic a report. For example, the consumer may, for example, provide one or more hypertexts within the second email message, to specify one or more user preferences, as described in further detail below. Other user mechanisms such as drop-down menus can be used to specify user preferences. The second step is to assume that the system has taken the bill or its part from the electronic report, and the system can be based on the group. User Preferences (and 11
200945223 /或系統设定）以處理該帳單資訊。帳單資訊的自動化處 理可包含該帳單之立即電子付款。電子付款可自動經由 各種付款服務，例如PAYPALtm，及直接銀行資金轉帳 來進行。帳單資訊的自動化處理亦可包含帳單之延遲付 款。例如，可在該帳單之到期日，或是在一先前於該帳 單到期曰或在到期當曰之一特定使用者指定之曰期，自x 動地啟動延遲帳單付款。其他的自動化處理範例包含將 至ί! 一部^的帳單資訊加至該使用者行事曆，及排程並 傳达一帳單提醒通知。此外又或者，亦可按人工方 理該帳單資訊或其局部。 第^圖係一圖式，其說明一根據各式具體實施例而 可在第二圖之區塊202處收到的一範例電子報表。電子 報表302可識別該帳單的寄件人及該帳單的收件人。如 圖示’可透過-電子郵件訊息之「Fr〇m」攔位中的 郵件地址來識別該帳單的寄件人，如3〇6處所示。 遍處所示’可透過該電子郵件訊息之「το」攔 位中的電子郵件地址來識別該帳單的收件人 =不同方式來識別該帳單的寄件人和收件人；如 可藉由在該電子郵件訊息内之-局部 ’例如在該電子郵件訊息的標 以識別該帳單寄件人。如另-範例，可藉由一； 單的#杜人ΐί，費者的名稱，直接地識別該帳 J ^ 5 疋猎由—消費者帳戶號碼312以間接 =別該帳單的收件人。消費者帳戶號碼 消;:r戶的號碼或字元類型。電子報表 314、帳單二I額:卜：帳單資訊，例如帳單發出曰 、’ 帳務期間說明318 (即如帳務期間 12 200945223 結束）、一帳單到期曰32〇,及/或一 別收費列表（未以圖示）。 m亥帳早之内的個 當提供—包含電子報表的郵件訊息以 取妗，可根據一組顯示偏好接 更用者存 四圖係-圖式，其說明一可;子:· ^ 示偏好的範例圖形使用者介面。用者取得顯 可建立兩種不同類型的顯示設定。首先已—使用者 ❹ 蠔 :使用者可建立設定以客製化;式=其如;;^ 處麻，該❹者在 疋以客製化方賴㈣報表（即—=^^可建立设 ，件訊息)。可以單獨或彼此併用之方：：：之電： 性的任何組合。 式施仃S亥4所述特 該使用者可客製化其信箱 用者可設定次序偏好楊， J現的方式。該使 中相對於作箱电子報表在該信箱 之，使==電子郵件訊息而呈現之次序。換言 同類化之方式呈現電子郵件信箱内之不 信箱裡-電子郵件3的;亦可選擇在4⑽處該 通知該使用者㈣心的方邊’顯示—帳務圖像，以便 子報表。例如電子郵件訊息為—包含帳單資訊的電 的Γ二等广，圖像大小、-圖像該圖像 例如’該圖像可放置在該信箱項目的旁 可:定^以顯電子郵件訊息標題的旁邊。該使用者亦 41(Γ^-。不該信箱中之電子郵件訊息之字型，如 型顏1二^如1該使用者可建立一字型大小及/或字 之择哨^杜子型y可用以顯示例如該電子郵件訊息 不°人的資訊。該使用者可能也希望設定該信 13 200945223 箱背景顏色為412或是包含該電子 該使用者在開啟—電子郵件訊;;之製 者可設料型414及/或背景Γ色4 6二，’該使用 該電子郵件訊息中選擇顯禅41 者亦可在 通知該❹者此電子郵 ，表。例如’該使用者可選定 二 ❹ 在該好郵^息像齡辑該圖像 郵件ΐ箱3例=吏:可顯示-電子 訊息為-電子報表。如曰；;示此電子郵件 收自cm Bank。在其他的具體實施例，該帳單 =額及/或到期日可為顯示於該電子郵件訊息的主題列 可炎，，該使用者之電子郵件信箱中所提供的電子報表 二*如如同剛文中參照第三圖所述之一既經該系統 二5 =包含額外資訊及/或超文字鏈結之後的電子報 、第六圖係說明範例圖形使用者介面之圖式，係呈現 =顯不一根據各式具體實施例而修改之電子報表的。在 =範例=，一圖像602係顯示於該電子報表之標題的旁 。並提供一認證指示器604以通知該使用者該電子報 及/或該電子報表寄件人已被認證。 _ 該電子報表中提供如606-612所示之一或多個超文 了鏈結，藉以取得—組使用者偏好。更詳細地說，可透 、該電子報表之内一或多個鏈結而取得一組與該帳單 14 200945223 相關聯的使用者偏好。例如，可在6G6處提供—或多個 超文字鏈結，藉此讓該使用者能夠按電子方式 單，其將在後文中參照第七圖進—步詳述。例如；^使 用者可表不其希望立即或在稍後支付該帳單。 可於當時或稱後進行付款，或者可由該系統自動地啟 動。例如’可根據該使用者的偏好自動進行此 業。如另一乾例，在608處該使用者可能希 此 加至其行事曆之内，如後文中參照第七圖所 述。該使用者亦可在610處選擇建立一自動通 = 或多個通知(如提醒)，如後文中來昭 第七圖所進—步詳述。在612處’該使 1擇 :電3表轉寄至另-個人的電子郵件地址 應庄思/、他難的使用麵好亦是可取 亦 透過其他例如是例如選單之機制，以附加或代 以應用於所有的電子報表或是特定類別的’旙 如淋622處所示，在該電子報表内==。 他的超文字鏈結，#以提供該使 ^供—些其 如，該使用者可能希望在61 使用者已支付過單或該 =ϊ=時期將此等金額；類。:=個外) 的超文子鏈結，藉以謓緯估田# 捉供額外 行餘額，在⑽=檢視其銀 報表提報為垃圾郵件。該丰絲 ^ 处將邊電子 單資訊及/或存取關於該使用者 15200945223 / or system settings) to process the billing information. The automated processing of billing information can include immediate electronic payments for this bill. Electronic payments can be made automatically via various payment services, such as PAYPALtm, and direct bank funds transfers. The automated processing of billing information can also include delayed payments for billing. For example, a delayed bill payment may be initiated from x on the expiration date of the bill, or in a period previously specified by a particular user upon expiration of the bill or upon expiration. Other automated processing examples include adding billing information to the user calendar, scheduling, and communicating a billing reminder notification. Alternatively, the billing information or a portion thereof may be manually processed. The figure is a diagram illustrating an exemplary electronic report that may be received at block 202 of the second figure in accordance with various embodiments. The electronic report 302 identifies the sender of the bill and the recipient of the bill. The sender of the bill is identified by the email address in the "Fr〇m" block of the e-mail message, as shown in Figure 3. The sender of the bill can be identified by the email address in the "το" block that is indicated by the email message = different ways to identify the sender and recipient of the bill; The bill sender is identified by the - part of the email message, for example, in the email message. As another example, the name of the person can be directly identified by the name of a single #杜人ΐί, the name of the feer, and the consumer account number 312 is indirectly = the recipient of the bill . Consumer account number;; r number or character type. Electronic statement 314, bill two I amount: Bu: billing information, such as billing 曰, 'accounting period description 318 (ie, as the accounting period 12 200945223 ends), a bill due 曰 32〇, and / Or a list of fees (not shown). The m Hai account is provided in the early days - the e-mail message containing the electronic report is used for picking up, and the four pictures can be stored according to a set of display preferences, and the description is one; the sub:: ^ shows the preference Sample graphical user interface. The user gets the display to create two different types of display settings. First of all - the user ❹ 蚝: the user can establish the settings to be customized; the formula = its;; ^ 麻麻, the 疋 疋 客 客 客 客 ( 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四, piece of information). Can be used alone or in combination with each other::: electricity: any combination of sex. The user can customize the mailbox. The user can set the order preference Yang, J. The order in which the messenger is presented in the mailbox relative to the boxed electronic report, so that the == email message is presented. In other words, the similarity method is presented in the mailbox of the e-mail box - E-mail 3; or 4 (10), the user can be notified (4) the side of the heart to display the account image for the sub-report. For example, the email message is - the second level of the electricity containing the billing information, the image size, the image, the image, for example, 'the image can be placed next to the mailbox item: OK to display the email message Next to the title. The user is also 41 (Γ^-. The font of the e-mail message in the mailbox, such as the model 1 2 ^ such as 1 the user can create a font size and / or word selection whistle ^ Duzi type y can be used to display information such as the e-mail message. The user may also wish to set the letter 13 200945223 box background color is 412 or the user is enabled to open the e-mail message; You can set the material type 414 and/or the background color 4 6 2, 'The use of the e-mail message to select the meditation 41 can also inform the e-mailer of the e-mail, the table. For example, the user can select the second ❹ In the good postal age, the image mail box 3 cases = 吏: can be displayed - the electronic message is - electronic report. Such as 曰;; this email is received from cm Bank. In other embodiments, The bill = amount and / or expiration date may be displayed in the subject line of the e-mail message, and the electronic report 2 provided in the user's e-mail address is as described in the third figure. One of the statements is that the system 2 5 = contains additional information and / or the power after the hypertext link The sub-report and the sixth diagram illustrate the diagram of the example graphical user interface, which is a representation of an electronic report modified according to various embodiments. In the example =, an image 602 is displayed on the electronic Next to the title of the report. An authentication indicator 604 is provided to inform the user that the electronic message and/or the electronic report sender has been authenticated. _ One or more of the electronic reports are provided as indicated by 606-612 a hyperlink to obtain a set of user preferences. In more detail, one or more links within the electronic report can be used to obtain a set of user preferences associated with the bill 14 200945223 For example, a hypertext link can be provided at 6G6, thereby allowing the user to be electronically single, which will be described in detail later with reference to the seventh figure. For example; The table does not want to pay the bill immediately or later. The payment can be made at or after the time, or can be automatically initiated by the system. For example, 'this can be automatically performed according to the user's preference. As another example, At 608, the user may wish to do so. Add to its calendar, as described later in Figure 7. The user may also choose to create an automatic pass = or multiple notifications (such as reminders) at 610, as shown in the seventh figure below. Step-by-step details. At 612, 'This is the choice: the electricity 3 table is forwarded to another-person's email address should be Zhuangsi/, and his difficult use is good. It is also possible, for example, through a menu. The mechanism is applied to all electronic reports or to a specific category as shown in 622 淋 622 622, in the electronic report ==. His hypertext link, # to provide the enable ^ for - For example, the user may wish to have such an amount in the time when the user has paid the order or the =ϊ= period; :=Extra) The super-text sub-link, by which the 謓纬 estimating field# captures the extra line balance, and reports it in the (10)= view of its silver statement as spam. The Fengsi ^ will be on the side of the electronic information and / or access to the user 15
200945223 :類如型6的/,告及複數個自動地提供予該使用者之廣 社呈規t所7F。根據各式具體實關，該超文字鏈 U現2方式^各個寄件人純客製化。 是提:報表可包含其他資訊或 内的’附加或代替透過嵌入於該電子報表之 内的超文字鏈結之方式，來取得各種服務。 門Ρ 各式具體實關，若於該寄件人與該收件人之 i送；協議，該寄件人可收到-表示已成功地 的通知。囉地，該寄件人可在該使用 者開啟5亥電子報表時收到一通知。 在—組具體實施例裡，若於一預設日期之内並未處 =電子報表，職系統可將該電子報表自動地轉寄至 好一電子郵件地址。例如，該預設日期可根據該最後 到/月日及/或使用者偏好所決定。 一旦取得該組使用者偏好之後，該系統可根據該組 使=者偏好處理魏單資訊。第七圖係—處理流程圖， 其說明，巧各式具體實施例處理一電子報表702中所提 供之帳單資訊之範例方法。在此範例裡’該系統可在 處自動地支付該帳單，或者該系統可在706處將該帳單 程於稍後以自動化付款。該系統亦可在7〇8處將該帳 單加至該使用者之行事曆，及/或在71〇處處理通知。 如704處所不，若該組使用者偏好表示該使用者想要立 =支付該帳單，該系統可代表該帳單的收件人以向該帳 單的寄件人啟動一電子付款。在一具體實施例，該系統 可啟動一自該帳單收件人之銀行帳戶至該帳單寄件人 16 200945223 ❹ Ο 之一相關銀行帳戶的資金轉帳。為啟動該轉帳，在712 處，5亥系統取付與S亥收件人相關聯的銀行資訊。例如， 該銀行資訊可包含一銀行識別碼及一銀行帳戶號碼。此 資訊可自一與該收件人相關聯之記錄擷取。或者，若 用者係首次利用該系統之自動化付款服務，則自該使用 者取得此資訊。在714處，該系統亦可取得至少一部分 帳單資訊，例如帳單金額例如、客戶帳戶號碼（或客戶 別碼）及/或該寄件人的識別資料。例如，該帳單資訊^ 擷取自記憶體，或自該電子報表取得。當然，該使用^ 可指定一不同於該帳單金額的轉帳金額。在716， 可自寄件人之識別資料，自一關聯於該帳單寄件人之印 錄擷取與該帳單寄件人相關聯的銀行資訊。然 ^ 718，該系統可將該帳單金額或一使用者指定之金 Ϊ收^人的銀行帳戶自動地轉帳至該寄件人的銀行帳 =客戶識別碼或客戶帳戶號碼，藉此確保卜以 糸》己入正確的客戶。在其他具體實 可 =機制以啟動電子付款。例如，該系統4二ΐ 準、系統，例如PAYPAL頂。或者，如寫處所 =該、錢时偏好可指线用者麟魏單排 2後曰期進行自動付款。為將該帳單排程在一稍後曰期 =工可儲f至少-部份的帳單資訊，二^ 碼·在7乃/自動付款的客戶識別碼或客戶帳戶號 額(一㈣ ;使_定曰期)，二;1=:== 識別資料⑻或該寄件人的銀行資訊處 17 200945223 如使用者電子郵件地址及帳單 統在完成自動付款之後能夠通知藉以讓該系 該系統可將該帳單排程到帳單‘ 方式， 自動付款。該使用者亦可將銀. ^或备日進行 統。在728，於該帳單到期日（或供予該系 該系統可擷取寄件人及收件人 1之日期）’ ❹ ❹ 金額（或使用者指定之金額）自貧訊，並且將帳單 轉帳至該寄件人的銀行帳戶。的銀行帳戶自動 資金轉帳的額外資訊，例如亦可提供有關於該 碼，藉以確保將該資金轉帳記入正客戶帳戶號 款。 過另一機制以啟動電子付 在730 ’該系統亦可提供自 該收件人。例如’此一通知可=給 可發送至該收件人的電子郵件位址。：：=’並且 /或該付款日期等資訊加至—支出日之識別資料及 如708處所示，若該組使 要將該帳單加至其行事層電=好吏用者想 自例如記憶體或自電子報矣由^在734，則可處 碼、帳單到期日、帳單金額及/或得戶號 訊。該組使用者偏好亦可指示該行事層中=以 之曰期’可將至少一部分已取得=曰： 件人的行事曆裡。 干貝遢加至帳早收 如710處所示，該組使用者偏好可 接收帳單及接近關日之通知(如提㈤。在、 18 200945223 戶至少一部份的帳單資訊。例如可儲 以人=碼、帳車:到期曰、帳單金額及/或帳 一或多個通知。此等使用者偏好或系： 等的時間、日期及/或頻率。此外，該 =者偏好或系統設定可指示藉以提供該(等)通 或多：通訊機制。例如，該等通訊機制可包含電子 、即時傳訊(IM，”mstant messenger”)及/或文字％自^ -^r^«(SMS,shortmessa：e^ 送）。在740處可儲存通知設定，例如 」 間、提供料通知的日期、提供 知、的頻^ °戈斤 偏好之藉以傳送各項通知之Ί頻羊及’或所 單的到期日之前或當日提供 ’可在該帳 之收件人所提供的帳單通知可ϋ式’對帳單 該系統可根據該等通知設定(:。在：， 部分的帳單資訊(如該帳單的〜f該通知可包含至少一 帳單金額）。據此，系統可在n、帳單到期日及/或 過-或多個通訊機制以將該帳:早到期日之前或當曰透 至該帳單收件人。 旱的或多個通知提供 為在一稍後曰期進行自動 訊。第八圖係一圖式，其說明，款排，，可儲存帳單資 存的範例資料8〇〇。資料800 y為帳單付款之目的而儲 地址8〇2、與該帳單相關聯:包含使用者的電子郵件 款金額806、一帳單到期日8〇戶帳戶號碼804、一付 該帳單的寄件人812。 8 帳單名稱810及/或 月J述使用者了此希望將與一帳單相關聯之資訊 19 200945223 使用者的行事曆。此資訊可視使用者之需要而加 者之行事曆上的一或多個日期。第九Α圖係一 二範例存於與使用者之線上行事曆_相關 Sm 、十。在此範例，與該帳單相關聯的資料被加 β電子行事曆上的2008年6月30日。更詳細地 存例如客戶帳戶號碼（如信用卡號碼）902、帳 到期日则的&件人906、帳單名稱908及/或帳單 期之圖式’其說明-儲存以發出-即將到 示，蜂次#功通知920的範例資料。如此範例中所 帳ϋ人含使用者帳戶號碼922、帳單金額924、 受款人）926、帳單名稱928、帳單到期 日930、通知日期的 i ^ 934 ,ηπ 表不傳达此一通知的頻率。 境下用具體實施例可在任何各種廣泛的計算情 魯 到多項相關使用者大眾透二”十圖所不，可考量 上型、平板型等等)=過;=平電?=型、膝 及衛星機頂盒和數位視訊記錄‘手持%=如规線 PDA) 1004、行動雷衽彳說^器）手持式汁异裝置（如 訊平台以廣泛與各種網路環其=類型的計算或通 並且根據各式具體匕 料輸入可利用廣泛之各種技 f本：：而處理之資 者偏好可自錢者無域應，彳'。，如，—組使用 程式或服務之互動而取得 ^、，躺或網頁式應用 使用者取得資訊之已知機 各種用以自- 用以自使用者取得輸入C例應 20 200945223 由許f其他方式㈣—喊用者偏好。 一旦取得一組使用者偏好之後， 化方式根據本發明處置 卩之集中 器画及資料儲二〇 ::報表。藉由第十圖中飼服 η夕個分散式裂置及資料儲存器。本發明亦可： 含例如TCP/IP t網路、電信網路、 ❹ Ο ，’ 本發明具！！實_的電腦程式指^ ^ 讀取媒體中，並且可根據廣泛3 上執行，或者是根據-分散式計3 =。’，、中此處所述之各項功能可在不同位置實行或使 本發明所揭示技術，可在任何適當的軟體及 :合，例如一網頁式飼服器或桌上型電腦 ：。： 發明之電子報表處理設備可為所需 本 構，或其可為-般用途的電腦，其由一儲存於^ = 内的電腦程式及/或資料結構選擇性地啟動或= 置。在此呈狀處雌序並麵設地與任何特定 =他設備有關聯。尤其，各式-般用途機器可運用於= ^本教示所撰寫之程式，或者以建構_較 ％ 執行所需方法步驟可能會更為便利。 而無論該系統組態如何，可運用—或多個幢置以 儲存用於-般用途之處理操作及/或於此 之資料、程式指令的記憶體或記憶體模組。 :可控制例如一作業系統及/或—或多個應用 作。該（等）記憶體亦可配置以館存帳單資訊、關 200945223 費者及/或帳單寄件人的記錄、使用者偏好、行事曆資 料、通知設定、電子帳單報表及其彙總等等。 ❹ ❹ ^由於此等資訊及程式指令可運用以實行於此所述 之系統/方法，本發明是關聯於機器可讀取媒體，其包含 用以執行於此所述之各種操作的程式指令、狀態資訊等 等。機器可讀取媒體的範例包括但不限於例如硬碟、軟 碟及磁帶等等之磁性媒體；例如CD_R〇M光碟之光學媒 體，例如軟光碟之磁光媒體；及經特定配置以儲存並執 行程式扣令的硬體裝置，例如唯讀記憶體裝置(r〇m)和 隨機存取記‘隨(RAM)。程式齡的範例㈣包含例如 由-編譯ϋ所產生之機ϋ碼，及含有高階程式碼而可由 電腦利用一解譯器而執行的檔案。 〜圖說明—典型的電腦系統，其在適當地配置 s 可做為本發明的系統。該電腦系統1100包含 的處理器UG2(又稱為中央處理單元，CPU)， 此4係經耦合於包含主儲存器11〇6 (通常是一 記憶體或RAM)、主儲存k機存取 或憶體’ 例如可。 了具有♦多類型，包括 處㈣及FPGA)的微控制器及微 ίΐί化_或泛用性微處理器的非 叮程式化裝置。如熟習此項技藝 應是m㈣及指令單向 、士兩用按雙向方式傳送資料及指令。 如前文述。-大*針^的㈣可碩取媒體’例 存裝置1108亦經雙向耦合於mi ^02 ’並且k供額外的資料儲存容量，同時可 ⑽了頃取媒體。該大量儲存裂置1108可用以 22 200945223 存媒體式五：：：等’並且通常為-例如硬碟的次級儲 資訊在適;情===存:置_内之 而作為主儲存器· jit式併 同虛擬記憶體 之特定大量儲“罟：一 4分。一例如瓜繼1114 cm H i亦可將資料單向地傳遞至該cpu。 多個的輸：===，，至-或 ❹ _ 鍵盤、麥克風、觸控顯示器、;=片= 求、滑鼠、 或紙帶讀取器、平板、光纽切、磁帶 置，例如卜部連接而輕合於-外部裝 藉此-連接ί量 序中==路，#訊或是將二執行程 明前述二細節說 可進行某些改變=之U利乾_範蜂内係 釋為示範性質而非^f l ’本發明具體實施例應解 處給定的4, 等效範圍禮加崎改。狀中#翻_的範臂與 【圖式簡單說明】 例的it::方塊圖，其說明-可實施各式具體實施 範例=圖係—處理流程圖，其說明—處理電子報表的 紅圖係1式’其料—可㈣各^體實施例 23 200945223 所施行的範例電子報表。 第四圖係一圖式，其說明一為顯示依電子郵件信箱 而顯示之使用者圖形介面範例。 第五圖係一圖式，其說明一為取得顯示偏好而顯示 之使用者圖形介面範例。 第六圖係一圖式，其說明一為顯示修改後電子報表 而顯示之使用者圖形介面範例。 第七圖係一處理流程圖，其說明一根據各式具體實 施例而處理帳單資訊的範例方法。 . 第八圖係一圖式，其說明可為帳單付款而儲存的範 例資料。 第九A圖係一圖式，其說明可為帳單付款編排行事 曆而儲存的範例資料。 第九B圖係一圖式，其說明可為發出一即將來臨之 帳單到期日通知而儲存的範例資料。 第十圖係一網路環境簡化圖，其中可實施本發明之 特定具體實施例。 第十一圖說明一範例電腦系統，其中可實施本發明 之特定具體實施例。 24 200945223 【主要元件符號說明】200945223: Classes such as Type 6 report a number of 7Fs that are automatically provided to the user. According to various specific implementations, the super-text chain U is now 2 ways ^ each sender is purely customized. It is mentioned that the report may contain other information or 'additional or alternative to the hypertext link embedded in the electronic report to obtain various services. Threshold A variety of specific customs, if the sender and the recipient of the i; agreement, the sender can receive - indicating that the notification has been successful. Awkwardly, the sender can receive a notification when the user opens the 5H electronic report. In the specific embodiment, if the electronic report is not placed within a predetermined date, the job system can automatically forward the electronic report to a good email address. For example, the preset date may be determined based on the last date/month and/or user preferences. Once the set of user preferences is obtained, the system can process Wei Shan information based on the group preferences. The seventh diagram is a process flow diagram illustrating an exemplary method of processing billing information provided in an electronic report 702 in accordance with various embodiments. In this example, the system can automatically pay the bill at the location, or the system can later process the bill at 706 to automate the payment. The system can also add the bill to the user's calendar at 7〇8 and/or process the notification at 71〇. If 704 does not, if the set of user preferences indicates that the user wants to pay the bill, the system can initiate an electronic payment to the sender of the bill on behalf of the recipient of the bill. In one embodiment, the system can initiate a funds transfer from a bank account of the billing recipient to a related bank account of the billing sender 16 200945223 ❹ . In order to initiate the transfer, at 712, the 5H system pays the bank information associated with the SH recipient. For example, the bank information can include a bank identification number and a bank account number. This information can be retrieved from a record associated with the recipient. Alternatively, if the user is using the system's automated payment service for the first time, the information is obtained from the user. At 714, the system may also obtain at least a portion of the billing information, such as the billing amount, for example, the customer account number (or customer code) and/or the sender's identification. For example, the billing information ^ is taken from the memory or obtained from the electronic report. Of course, the use ^ can specify a transfer amount different from the bill amount. At 716, bank information associated with the bill sender can be retrieved from a signature associated with the sender of the bill from the sender's identification data. Then 718, the system can automatically transfer the bill amount or a user-specified bank account to the sender's bank account = customer identification number or customer account number, thereby ensuring I have entered the right customer. In other specific implementations = mechanisms to initiate electronic payments. For example, the system is a secondary system, such as a PAYPAL top. Or, if writing a place = this, money, preference can refer to the line user Lin Wei single row 2 after the period of automatic payment. In order to schedule the bill in a later period = work can store at least - part of the billing information, 2 ^ · in 7 / automatic payment customer identification code or customer account number (one (four); _定曰期), 2; 1=:== Identification data (8) or the sender's bank information office 17 200945223 If the user's email address and billing system can complete the automatic payment, the bank can inform the department The system can schedule the bill to the billing mode, automatic payment. The user can also use silver or ^. At 728, on the due date of the bill (or the date on which the system can retrieve the sender and the recipient 1) ' ❹ 金额 amount (or user-specified amount) from the poor, and will The bill is transferred to the sender's bank account. The bank account automatically adds additional information about the funds transfer, for example, to the code to ensure that the funds transfer is credited to the positive customer account number. Another mechanism to initiate electronic payment at 730 ' is also available from the recipient. For example, 'this notification can be' = the email address that can be sent to the recipient. ::='and/or information such as the date of payment is added to the identification date of the expenditure date and as shown at 708, if the group is to add the bill to its service level = good user wants to Memory or self-reported by ^ at 734, then the code, bill due date, bill amount and / or household number message. The set of user preferences may also indicate that the calendar layer = in the period of 'can be at least a portion of the obtained = 曰: person's calendar. The scallops are added to the early receipts as shown at 710. The group of users prefer to receive bills and notifications close to the customs day (for example, mentioning (5). At, 18, 2009,423, at least part of the billing information of the household. For example, can be stored One person = code, account car: due date, bill amount and/or account one or more notices. These user preferences or systems: time, date and/or frequency of the wait. In addition, the = person preference or The system settings may indicate that the (or other) communication or communication mechanism is provided. For example, the communication mechanisms may include electronic, instant messaging (IM, "mstant messenger") and/or text % from ^ -^r^« ( SMS, shortmessa: e^ send). At 740, the notification settings can be stored, for example, the date of the notification, the date of the notification, the frequency of the notification, the frequency of the notification, and the transmission of the notifications. Before the due date of the order or on the current day, the bill can be sent to the recipient of the account. The statement can be set according to the notice (:. in:, part of the bill) Information (such as the ~f of the bill can contain at least one bill amount). According to this, the system can n, billing due date and / or over - or multiple communication mechanisms to the account: before the early expiration date or when flooding to the bill recipient. Drought or multiple notifications provided as a little In the later period, the automatic communication is carried out. The eighth picture is a picture, which shows that the banknotes can store the sample data of the bills and deposits. The data 800 y is the purpose of bill payment and the storage address is 8〇2. Associated with the bill: the user's email amount 806, a bill due date 8 account number 804, and the sender of the bill 812. 8 Billing name 810 and/or The user referred to the information that is expected to be associated with a bill 19 200945223 User's calendar. This information may be one or more dates on the calendar of the user's needs. The first two examples are stored on the line with the user _ related Sm, ten. In this example, the data associated with the bill is added to the beta electronic calendar on June 30, 2008. More details For example, a customer account number (such as a credit card number) 902, an account expiration date, & 906, a billing name 908, and/or The single-phase schema 'its description-storage to issue--to the show, the bee-time #gong notification 920 sample data. In this example, the account holder contains the user account number 922, the bill amount 924, the payee) 926, billing name 928, billing due date 930, notification date i ^ 934, ηπ table does not convey the frequency of this notification. The specific embodiment can be used in any of a wide variety of calculations Users of the public through the "Ten map", can consider the upper type, flat type, etc.) = over; = flat electricity = = type, knee and satellite set-top box and digital video recording 'handheld % = such as the line PDA) 1004, Action Thunder says that the device is a hand-held juice device (such as the platform for a wide range of calculations or communication with various network rings) and can use a wide variety of technologies according to various types of data input: The applicant's preference for processing can be self-financing, 彳'. For example, the group uses the program or the interaction of the service to obtain the ^, the lie or the web-based application user obtains the information of the various machines used to - from the user to obtain the input C example 20 200945223 by Xu other Mode (4) - call the user's preference. Once a set of user preferences has been obtained, the method of disposing of the concentrator and data storage of the 〇 〇 :: report according to the present invention. By the tenth figure, the feeding η 个 a scattered rupture and data storage. The present invention is also applicable to: including, for example, a TCP/IP t network, a telecommunications network, and the like; ! The computer program of _ is ^ ^ read in the media, and can be executed according to a wide range of 3, or according to the - decentralized 3 =. The functions described herein may be performed at different locations or the techniques disclosed herein may be in any suitable software and device, such as a web server or desktop computer. The inventive electronic report processing device can be a desired embodiment, or a computer for general use, which is selectively activated or deactivated by a computer program and/or data structure stored in ^=. At this point, the female sequence is placed side by side with any particular device. In particular, it may be more convenient to use a variety of general-purpose machines for the program written by the instruction, or to construct the required method steps with %. Regardless of the configuration of the system, it is possible to use - or a plurality of memory or memory modules built to store processing operations for general purposes and/or data or program instructions therefor. : Can control, for example, an operating system and/or - or multiple applications. The (etc.) memory can also be configured with library billing information, records of 200945223 fee and/or bill sender, user preferences, calendar information, notification settings, electronic billing statements, summaries, etc. Wait. As the information and program instructions can be utilized to implement the systems/methods described herein, the present invention is related to machine readable media, including program instructions for performing various operations described herein, Status information and more. Examples of machine readable media include, but are not limited to, magnetic media such as hard disks, floppy disks, and magnetic tapes; optical media such as CD_R〇M optical disks, such as magneto-optical media for flexible optical disks; and specifically configured to be stored and executed A hardware device such as a read-only memory device (r〇m) and a random access memory (RAM). Examples of program age (4) include, for example, machine code generated by -compilation, and files containing high-level code that can be executed by a computer using an interpreter. - Illustration - A typical computer system that is properly configured s can be used as the system of the present invention. The computer system 1100 includes a processor UG2 (also referred to as a central processing unit, CPU), which is coupled to include a main memory 11 〇 6 (usually a memory or RAM), a main storage k machine access or Recalling the body 'for example. A non-volatile stylized device with multiple types of microcontrollers, including (4) and FPGAs, and micro- or general-purpose microprocessors. If you are familiar with this technique, you should use m (4) and command one-way and dual-use to transmit data and instructions in two-way mode. As mentioned above. - The large (*) can be used to retrieve the media's storage device 1108 is also coupled to the mi ^02 ′ in both directions and k for additional data storage capacity, while (10) taking media. The mass storage split 1108 can be used to 22 200945223 to save media type five::: etc. and usually - for example, the secondary storage information of the hard disk is in the appropriate condition; === deposit: set as the main storage. The jit type and the specific mass storage of the virtual memory "罟: one 4 points. For example, the melon can transfer the data to the cpu one by one through the 1114 cm H i. Multiple losses: ===,, to - Or ❹ _ keyboard, microphone, touch display,; = chip = ask, mouse, or tape reader, flat, light cut, tape, for example, the connection is light and the external - this is the connection ί in the order == road, #讯 or the second implementation of the above two details can be made to make some changes = U Ligan _ Fan bee is released as an exemplary nature rather than ^fl 'Specific embodiment of the present invention Should be solved for a given 4, the equivalent range of singularity and change. In the shape of # _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Diagram-Process Flowchart, Description - The red figure of the electronic report is processed as follows: [Materials - (4) Each embodiment 23 The test example of 200945223 The fourth diagram is a diagram, and the description thereof is an example of displaying a user graphical interface displayed according to an email mailbox. The fifth diagram is a diagram illustrating a user graphic displayed for obtaining display preferences. An example of an interface. The sixth diagram is a diagram illustrating an example of a graphical user interface for displaying a modified electronic report. The seventh diagram is a processing flow diagram illustrating the processing of an account according to various embodiments. An example method of single information. The eighth figure is a diagram illustrating sample data that can be stored for bill payment. Figure 9A is a diagram illustrating the storage of billing calendars for calendar transactions. Example IX Figure BB is a diagram illustrating sample data that may be stored for the issuance of an upcoming billing due date notification. Figure 10 is a simplified diagram of a network environment in which the present invention may be implemented. Specific Embodiments An eleventh diagram illustrates an exemplary computer system in which a particular embodiment of the present invention can be implemented. 24 200945223 [Description of Main Component Symbols]
102 寄件人/電話公司 104 寄件人/信用卡公司 106 網際網路 108 郵件伺服器 110 付款伺服器 112 使用者 114 銀行 302 電子報表 310 識別碼攔位 312 帳戶號碼搁位 314 帳單開立日期欄位 316 帳單金額 318 帳務期間欄位 320 帳單到期曰 402 客製化郵件伺服器 404 客製化電子報表 406 次序偏好 408 圖像設定 410 字型設定 412 背景顏色設定 414 字型設定 25 200945223102 Sender/Telephone Company 104 Sender/Credit Card Company 106 Internet 108 Mail Server 110 Payment Server 112 User 114 Bank 302 Electronic Report 310 ID Block 312 Account Number Placement 314 Billing Date Field 316 Billing Amount 318 Account Period Field 320 Billing Due 曰 402 Customized Mail Server 404 Customized Electronic Report 406 Order Preference 408 Image Settings 410 Font Settings 412 Background Color Settings 414 Font Settings 25 200945223
416 背景顏色設定 418 帳務圖像設定 502 圖像 602 圖像 604 認證指示器 606 超文子鍵結 608 超文字鏈結 610 超文字鏈結 612 超文字鏈結 614 服務 616 服務 618 服務 620 服務 622 服務 800 資料 802 電子郵件地址 804 客戶帳戶號碼 806 付款金額 808 帳單到期曰 810 帳單名稱 812 帳單寄件人 900 行事曆 902 使用者帳戶號碼 904 帳單金額 26 200945223416 Background Color Settings 418 Account Image Settings 502 Image 602 Image 604 Authentication Indicator 606 Hypertext Key 608 Hyper Text Link 610 Hyper Text Link 612 Hyper Text Link 614 Service 616 Service 618 Service 620 Service 622 Service 800 Data 802 Email Address 804 Customer Account Number 806 Payment Amount 808 Billing Due 810 810 Billing Name 812 Billing Sender 900 Calendar 902 User Account Number 904 Billing Amount 26 200945223
906 寄件人 908 帳單名稱 910 帳單到期曰 920 通知 922 使用者帳戶號碼 924 帳單金額 926 寄件人 928 帳單名稱 930 帳單到期曰 932 通知日期 934 通知時間 936 通知機制 1002 電腦 1003 媒體計算平台 1004 手持式計算裝置 1006 行動電話 1008 伺服器 1010 貧料儲存 1012 網路 1100 電腦系統 1102 處理器 1104 主儲存器(B) 1106 主儲存器(A) 1108 大量儲存 1110 介面 27 200945223906 Sender 908 Billing Name 910 Billing Due 曰 920 Notice 922 User Account Number 924 Billing Amount 926 Sender 928 Billing Name 930 Billing Expiration 932 Notification Date 934 Notification Time 936 Notification Mechanism 1002 Computer 1003 Media Computing Platform 1004 Handheld Computing Device 1006 Mobile Phone 1008 Server 1010 Poor Storage 1012 Network 1100 Computer System 1102 Processor 1104 Main Storage (B) 1106 Main Storage (A) 1108 Mass Storage 1110 Interface 27 200945223
1112 網路連接 1114 CD-ROM1112 Network Connection 1114 CD-ROM
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