TW202141382A - Bill payment and automatic account cancellation system and method using SMS bills to generate bar codes by using information contained in a collection charge link to encode so as to generate a barcode - Google Patents
Bill payment and automatic account cancellation system and method using SMS bills to generate bar codes by using information contained in a collection charge link to encode so as to generate a barcode Download PDFInfo
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本發明係有關一種金融交易之系統,特別是指一種利用簡訊帳單產生條碼之繳費暨自動銷帳系統及其方法。The present invention relates to a financial transaction system, in particular to a system and method for payment and automatic cancellation of bills using SMS bills to generate bar codes.
繳費種類及方式多元化,繳費種類包含水、電、瓦斯費用、稅費、罰金、信用卡費、電信費等等,而繳費方式除了寄送紙本帳單之外,現在大多繳費種類也可透過網路銀行線上繳款,或是憑藉紙本帳單或電子帳單上的條碼到便利商店繳款,但電子帳單需開啟行動裝置的信件匣才可讀取,無法透過簡訊發送帳單,對於繳款人而言仍有不便之處。The payment types and methods are diversified. The payment types include water, electricity, gas charges, taxes, fines, credit card fees, telecommunications charges, etc., and the payment methods are not only sending paper bills, but now most of the payment types are also available through Online bank payment, or use the barcode on the paper bill or e-bill to pay at the convenience store, but the e-bill needs to be opened in the mail box of the mobile device to be read, and the bill cannot be sent via SMS. There are still inconveniences for payers.
目前,政府規費(如:費用、稅、租金收入、規費、罰金、罰鍰等)之收款僅允許繳款人以臨櫃辦理繳納,政府機構需印製繳款單提供予繳款人,繳款人配合金融機構營業時間,不是所有銀行皆可繳納,也不是指定銀行的任一分行皆可繳納,而是必須親自至指定的銀行分行臨櫃繳款,金融機構將銷帳資訊登錄至系統、繳納款項存入政府於金融機構開立之存款帳戶。目前繳款人受限金融機構服務據點的位置及營業時間,若逾繳納期限,可能被政府另課遲繳罰金。且金融機構營業單位亦須投入大量人力處理該項業務。At present, the collection of government fees (such as fees, taxes, rental income, fees, fines, penalties, etc.) is only allowed to be paid by the payer at the counter, and government agencies need to print a payment slip to provide payment People, the payer and the financial institution’s business hours, not all banks can pay, nor any branch of the designated bank can pay, but must pay in person at the designated bank branch, the financial institution will cancel the account information Log in to the system and deposit the payment into a deposit account opened by the government in a financial institution. At present, the payer is restricted by the location and business hours of the service base of the financial institution. If the payment deadline is exceeded, the government may pay a fine for late payment. In addition, the business units of financial institutions must also invest a lot of manpower to handle this business.
此外,對於政府規費的繳款,繳款人無法透過其他管道隨時隨地自主及即時完成繳款需求,也不易請其他人代為繳納,對於一般上班族而言,為了配合金融機構的營業時間往往需要請假前往繳款,殊為不便。再者,政府機構收到款項後,需辦理年度會計銷帳對帳事宜,且各種款項需再分配給政府機構轄下各單位,相關作帳事宜繁複。In addition, for the payment of government fees, payers cannot independently and instantly complete the payment needs through other channels anytime, anywhere, and it is not easy to ask other people to pay on their behalf. For ordinary office workers, it is often necessary to match the business hours of financial institutions. It is inconvenient to ask for leave to make payment. Furthermore, after the government agency receives the money, it needs to handle the annual accounting write-off and reconciliation, and all kinds of money need to be redistributed to the units under the government agency, and the related accounting matters are complicated.
因此,本發明即提出一種利用簡訊帳單產生條碼之繳費暨自動銷帳系統及其方法,以有效解決上述該等問題,具體架構及其實施方式將詳述於下:Therefore, the present invention proposes a system and method for payment and automatic account cancellation using SMS bills to generate barcodes to effectively solve the above-mentioned problems. The specific structure and implementation methods will be described in detail below:
本發明之主要目的在提供一種利用簡訊帳單產生條碼之繳費暨自動銷帳系統及其方法,其將代收費用連結包含在簡訊中,取代紙本帳單,當使用者開啟代收費用連結時就會自動得到繳費用的條碼,可解決條碼無法利用簡訊傳送之缺點。The main purpose of the present invention is to provide a bill payment and automatic account cancellation system and method for generating bar codes by using SMS bills. It includes the link of proxy charges in the SMS, instead of paper bills. When the user opens the link of proxy charges The barcode for the payment will be automatically obtained at the time, which can solve the shortcoming that the barcode cannot be transmitted by SMS.
本發明之另一目的在提供一種利用簡訊帳單產生條碼之繳費暨自動銷帳系統及其方法,其利用條碼繳費,取代先前技術中以金融卡、信用卡或銀行帳戶繳費,可提升交易安全性,降低帳戶資料被竊取的風險。Another object of the present invention is to provide a bill payment and automatic account cancellation system and method for generating bar codes using SMS bills, which use bar codes to pay bills instead of paying by financial cards, credit cards or bank accounts in the prior art, which can improve transaction security , To reduce the risk of account information being stolen.
本發明之再一目的在提供一種利用簡訊帳單產生條碼之繳費暨自動銷帳系統及其方法,其利用帳單編號產生一虛擬帳號,藉由虛擬帳號進行收款,可避免實體帳號外流。Another object of the present invention is to provide a bill payment and automatic account cancellation system and method for generating bar codes using SMS bills, which use bill numbers to generate a virtual account, and collect payments through the virtual account to avoid outflow of physical accounts.
為達上述目的,本發明提供一種利用簡訊帳單產生條碼之繳費暨自動銷帳系統,包括:一銀行收款伺服器,包括:一帳單儲存模組,儲存分別對應複數繳款用戶之複數帳單資訊;一代收費用連結產生模組,連接該帳單儲存模組,分別利用每一該繳款用戶各自之該帳單資訊產生一代收費用連結,該代收費用連結中更包括一唯一識別碼;一簡訊發送模組,連接該代收費用連結產生模組,將對應每一該繳款用戶之待收費用連結以簡訊方式分別發送至每一繳款用戶之行動裝置中;一條碼產生模組,傳送至該等行動裝置中的任一該代收費用連結被啟用時,利用該代收費用連結中之該帳單資訊及該唯一識別碼進行編碼,產生一條碼,並回傳給啟用該代收費用連結之該行動裝置,當該條碼被掃瞄讀取出其中之該繳費資訊以供該繳款用戶繳費後,該銀行收款伺服器收到一入帳通知;以及一收款模組,連接該帳單儲存模組,將收到的該入帳通知與該帳單儲存模組中之該帳單資訊進行比對,確認一入帳金額是否正確;以及一自動銷帳伺服器,連接該銀行收款伺服器,自動對該帳單資訊進行銷帳作業。To achieve the above objective, the present invention provides a bill payment and automatic account cancellation system that uses SMS bills to generate barcodes. The system includes: a bank collection server, including: a bill storage module, which stores multiple numbers corresponding to multiple payment users. Billing information; the generation of charge link generation module, which is connected to the bill storage module, and the bill information of each of the payment users is used to generate the generation charge link, which includes A unique identification code; a short message sending module, which is connected to the generation module for generating charges on behalf of the bill, and sends the link of the pending charges corresponding to each payment user to the mobile device of each payment user in a short message; A code generation module, which is sent to any one of the mobile devices when the proxy charge link is activated, uses the billing information in the proxy charge link and the unique identification code to encode to generate a code, and Send back to the mobile device that has enabled the charging link, and when the barcode is scanned to read the payment information for the payment user to pay, the bank's collection server receives a payment notification; And a collection module, which is connected to the bill storage module, and compares the receipt notice received with the bill information in the bill storage module to confirm whether a credited amount is correct; and The automatic account cancellation server connects to the bank's collection server and automatically performs account cancellation operations on the bill information.
依據本發明之實施例,條碼為一維條碼時,由一收款端利用一掃描器掃描該行動裝置中之該條碼。(本段應該只要寫繳款用戶收到簡訊通知有一筆待繳費用的訊息,訊息帶有代收費用連結.即可)According to an embodiment of the present invention, when the barcode is a one-dimensional barcode, a payment terminal uses a scanner to scan the barcode in the mobile device. (This paragraph should only write a message that the payment user receives a short message to notify that there is a fee to be paid, and the message has a link to the payment fee.)
依據本發明之實施例,該條碼為二維條碼時,該行動裝置利用內建之一網路銀行應用程式或一行動支付應用程式掃描該條碼,以供該收款模組收取該入帳金額並入帳至該虛擬帳號中。According to an embodiment of the present invention, when the barcode is a two-dimensional barcode, the mobile device uses a built-in online banking application or a mobile payment application to scan the barcode for the payment module to collect the credited amount And credit to the virtual account.
依據本發明之實施例,該等行動裝置中的該代收費用連結被啟用時,該代收費用連結中所包含之該帳單資訊及該唯一識別碼會回傳給該條碼產生模組,以編碼產生該條碼。According to the embodiment of the present invention, when the proxy charging link in the mobile devices is activated, the billing information and the unique identification code contained in the proxy charging link will be returned to the barcode generation module, The barcode is generated by encoding.
依據本發明之實施例,每一該帳單資訊中包含一帳單編號、一繳費金額及對應該帳單編號所產生之一虛擬帳號,該收款模組比對該入帳金額與該繳費金額是否一致。According to an embodiment of the present invention, each bill information includes a bill number, a payment amount, and a virtual account number generated corresponding to the bill number, and the payment module compares the credited amount with the payment Whether the amounts are the same.
依據本發明之實施例,該銀行收款伺服器接收到入帳通知後,將該入帳金額係存入該虛擬帳號所設定的一實體帳號中,並送入帳結果給該自動銷帳伺服器以從該虛擬帳號所對應之該實體帳號進行該筆帳單資訊之銷帳作業。According to an embodiment of the present invention, after the bank collection server receives the deposit notification, the deposit amount is deposited into a physical account set by the virtual account number, and the deposit result is sent to the automatic account cancellation server The device can write off the bill information from the physical account corresponding to the virtual account.
本發明另提供一種利用簡訊帳單產生條碼之繳費暨自動銷帳方法,包括下列步驟:於一銀行收款伺服器中儲存分別對應複數繳款用戶之複數帳單資訊;分別利用每一該繳款用戶各自之該帳單資訊產生一代收費用連結,並以簡訊方式分別發送至每一該繳款用戶之行動裝置中,該代收費用連結中更包括一唯一識別碼;當傳送至該等行動裝置中的任一該代收費用連結被啟用時,利用該代收費用連結中之該帳單資訊及該唯一識別碼進行編碼,產生一條碼,並回傳給啟用該代收費用連結之該等行動裝置;當該條碼被掃瞄讀取出其中之該繳費資訊以供該繳款用戶繳費後,該銀行收款伺服器收到一入帳通知;將該入帳通知與該帳單資訊進行比對,確認一入帳金額是否正確;以及一自動銷帳伺服器自動對該帳單資訊進行銷帳作業。The present invention also provides a method for payment and automatic cancellation of bills using SMS bills to generate barcodes. The method includes the following steps: storing plural bill information corresponding to plural payment users in a bank collection server; and using each payment separately The billing information of each user generates a first-generation charging link and sends it to the mobile device of each payment user in a short message. The payment link also includes a unique identification code; when sent to the When any of the proxy charging links in the mobile device is activated, use the billing information and the unique identification code in the proxy charging link to encode, generate a code, and return it to the activation link The mobile devices; when the barcode is scanned to read the payment information for the payment user to pay, the bank's collection server receives a payment notification; the payment notification is associated with the account The bill information is compared to confirm whether the credited amount is correct; and an automatic billing server automatically writes off the bill information.
本發明提供一種利用簡訊帳單產生條碼之繳費暨自動銷帳系統及其方法,其係利用每一位銀行客戶的帳單編號產生虛擬帳號,再利用虛擬帳號及繳費資訊編碼產生條碼以供繳款用戶透過行動裝置繳費,不但可確保帳戶資訊不外流,藉由行動裝置掃碼繳款對於公庫銀行之政府規費收款而言更是一大突破。The invention provides a system and method for payment and automatic cancellation of bills using SMS bills to generate bar codes. It uses the bill number of each bank customer to generate a virtual account number, and then uses the virtual account number and payment information code to generate a bar code for payment Payment users pay through mobile devices, not only to ensure that account information is not leaked, but also to pay by scanning codes on mobile devices is a breakthrough for the collection of government fees by public treasury banks.
請參考第1圖,其為本發明利用簡訊帳單產生條碼之繳費暨自動銷帳系統之方塊圖,本發明之繳費暨自動銷帳系統包括一銀行收款伺服器10及一自動銷帳伺服器20,此二伺服器皆為銀行內部之系統主機,可為單一主機中的二個虛擬伺服器,此時二者之連接方式為內部線路連接,或是獨立二台主機,此時二者之連接方式為透過網路連線。主機中之硬體元件包括主機板、中央處理器、硬碟、記憶體等標準配備,不再贅述。Please refer to Figure 1, which is a block diagram of a bill payment and automatic account cancellation system using SMS bills to generate barcodes in the present invention. The bill payment and automatic account cancellation system of the present invention includes a
銀行收款伺服器10中包括一帳單儲存模組102、一代收費用連結產生模組104、一簡訊發送模組106、一條碼產生模組108及一收款模組109,其中,帳單儲存模組102儲存複數帳單資訊,每一帳單資訊分別對應一繳款用戶,此帳單資訊係由自動銷帳伺服器20所產生,再傳送給銀行收款伺服器10儲存,每一帳單資訊中包含一帳單編號、一繳費金額及對應該帳單編號所產生之一虛擬帳號,虛擬帳號可為隨機產生、或是透過帳單編號及繳款用戶的個人資訊所編碼而產生,且每一虛擬帳號會設定對應之一實體帳號,當虛擬帳號入帳時,實際收到款項的是實體帳號,虛擬帳號的用意是避免交易過程中資訊外洩而被盜用;代收費用連結產生模組104連接帳單儲存模組102,利用每一繳款用戶各自之帳單資訊產生一代收費用連結,此連結為統一資源定位符(Uniform Resource Locator, URL),代收費用連結中除了包含帳單資訊之外,更包括一唯一識別碼;簡訊發送模組106連接代收費用連結產生模組14,用以將對應每一繳款用戶之代收費用連結以簡訊方式分別發送至每一繳款用戶之行動裝置中,因此簡訊發送模組106中會儲存每一繳款用戶的聯絡電話;條碼產生模組108用以對帳單資訊及唯一識別碼進行編碼,以產生一條碼提供給繳款用戶,此情況發生於傳送至行動裝置中的代收費用連結被啟用時,換言之,當繳款用戶點擊代收費用連結時,就會將帳單資訊及唯一識別碼再傳送到條碼產生模組108以編碼產生條碼,條碼產生模組108再將條碼回傳給行動裝置;當條碼被掃瞄,讀取出其中之繳費資訊以供繳款用戶繳費後,銀行收款伺服器10會收到一入帳通知,由收款模組109接收,此收款模組109連接帳單儲存模組102,將接收到的入帳通知中的入帳金額與帳單儲存模組102中儲存之帳單資訊進行比對,確認入帳金額與帳單資訊中的繳費金額是否一致。自動銷帳伺服器20接收銀行收款伺服器10所傳送之入帳結果,自動對該入帳金額帳單資訊進行銷帳作業,帳單資訊中包含的是虛擬帳號,但由於虛擬帳號有設定對應的實體帳號,故實際上是對實體帳號進行銷帳作業。The
在本發明中,虛擬帳號的前數個號碼為收款機構之特定編號,整組虛擬帳號的編碼原則可依收款機構之銷帳特性做不同編碼,例如虛擬帳號應用於繳交同一個公庫的費用,則每一繳款用戶的虛擬帳號可為固定的,適用於該政府公庫的各項繳費項目之收款,例如稅、租金收入、規費、罰金、罰鍰等,繳款用戶繳交的金額都會進入屬於他個人的同一個虛擬帳號中。若虛擬帳號是應用於繳交獨立事業單位的費用,例如電力公司的電費、水公司的水費或第四台費用,則每一帳單編號產生的虛擬帳號皆為不同。In the present invention, the first few numbers of the virtual account number are the specific numbers of the payee institution. The coding principle of the entire group of virtual account numbers can be coded differently according to the account write-off characteristics of the payee institution. For example, the virtual account number should be used to pay to the same public treasury. The virtual account of each payment user can be fixed, which is applicable to the collection of various payment items of the government public treasury, such as taxes, rental income, fees, fines, fines, etc., and the payment user pays The paid amount will go to the same virtual account that belongs to him. If the virtual account number is used to pay the fees of independent business units, such as the electricity fee of the power company, the water fee of the water company, or the fourth unit fee, the virtual account number generated by each bill number is different.
第2圖為利用本發明進行繳費及自動銷帳方法之第一實施例之方塊流程圖,在此實施例中,假設條碼為一維條碼或二維條碼,由繳款用戶自己的行動裝置30掃描條碼。由圖中可知,自動銷帳伺服器20提供帳單資訊給銀行收款伺服器10,銀行收款伺服器10將繳費資訊以簡訊方式發送給繳款用戶的行動裝置30,當簡訊中的代收費用連結被啟用時,行動裝置30傳送連結啟用通知給銀行收款伺服器10,此連結啟用通知中包括繳費資訊及唯一識別碼,以供銀行收款伺服器10編碼產生條碼,接著,銀行收款伺服器10將條碼回傳給行動裝置30。接著,行動裝置30擷取螢幕上的條碼進行識別,亦即行動裝置30自己掃描螢幕上的條碼,此步驟可透過行動裝置30中安裝的網路銀行應用程式或行動支付應用程式執行。當條碼被掃描後,會顯示要繳交的入帳金額,繳款用戶選擇繳款帳戶進行繳款,銀行收款伺服器10就會收到一入帳通知,同時,入帳金額係匯入到對應該帳單編號的虛擬帳號所設定的實體帳號中。銀行收款伺服器10確認入帳金額與帳單資訊中的金額一致,將入帳結果傳送給自動銷帳伺服器20,讓自動銷帳伺服器20從實體帳號中自動進行銷帳作業,簡化作帳事宜。Figure 2 is a block flow diagram of the first embodiment of the method for payment and automatic account cancellation using the present invention. In this embodiment, it is assumed that the barcode is a one-dimensional barcode or a two-dimensional barcode, and the payment user’s own
本發明利用簡訊帳單產生條碼之繳費暨自動銷帳方法之詳細流程圖請參考第3圖。首先步驟S10,於銀行收款伺服器的帳單儲存模組中儲存分別對應複數繳款用戶之複數帳單資訊,每一帳單資訊中包含一帳單編號、一繳費金額及對應該帳單編號所產生之一虛擬帳號,特別的是,虛擬帳號設定了對應的實體帳號;接著如步驟S12所述,代收費用連結產生模組分別利用每一繳款用戶各自之帳單資訊產生一代收費用連結,並透過簡訊發送模組以簡訊方式將代收費用連結分別發送至每一繳款用戶之行動裝置中,此代收費用連結中更包括一唯一識別碼;步驟S14中,當傳送至行動裝置中的代收費用連結被啟用時,條碼產生模組被觸發,利用帳單資訊及唯一識別碼進行編碼,產生一條碼並回傳給行動裝置,此條碼為一維條碼或二維條碼;接著步驟S16,繳款用戶利用行動裝置自行掃描條碼繳費後,銀行收款伺服器收到一入帳通知;接著如步驟S18所述,銀行收款伺服器中的收款模組會將入帳通知與帳單儲存模組中對應該繳款用戶的帳單資訊進行比對,確認入帳金額是否正確;最後,在步驟S19中,自動銷帳伺服器接收收款模組所確認過的入帳結果,並自動對帳單資訊進行銷帳作業,且是從實體帳號中銷帳。Please refer to Figure 3 for the detailed flow chart of the method of payment and automatic account cancellation using SMS bill generation bar code of the present invention. First step S10, store the plural bill information corresponding to the plural payment users in the bill storage module of the bank collection server. Each bill information includes a bill number, a payment amount and the corresponding bill A virtual account number generated by the number, in particular, the virtual account number is set to a corresponding physical account number; then, as described in step S12, the generation of payment link generation module uses the bill information of each payment user to generate a generation. The charge link is sent to each payment user’s mobile device in a short message via the SMS sending module. The charge link includes a unique identification code; in step S14, when sending When the link to the mobile device is activated, the barcode generation module is triggered, and the billing information and unique identification code are used for encoding to generate a code and send it back to the mobile device. This barcode is a one-dimensional barcode or a two-dimensional barcode. Bar code; then in step S16, after the payment user scans the barcode with his mobile device to pay, the bank's collection server receives a payment notification; then, as described in step S18, the collection module in the bank's collection server will The billing notification is compared with the billing information of the user who should pay the bill in the bill storage module to confirm whether the credited amount is correct; finally, in step S19, the automatic billing server receives the confirmation from the billing module The result of the entry, and the billing information is automatically canceled, and the account is canceled from the entity account.
第4圖為利用本發明進行繳費及自動銷帳方法之第二實施例之方塊流程圖, 第4圖與第2圖之差異在於,銀行收款伺服器10回傳給行動裝置30的條碼為一維條碼,且係由一收款端40掃描行動裝置30上的條碼,此收款端40為代收款項的便利商店或銀行,當條碼被收款端40掃描後,會顯示要繳交的入帳金額,收款端40向繳款用戶收款入帳並發出一入帳通知給銀行收款伺服器10。銀行收款伺服器10確認入帳金額與帳單資訊中的金額一致,將入帳結果傳送給自動銷帳伺服器20,讓自動銷帳伺服器20從對應該帳單編號的虛擬帳號所設定的實體帳號中自動銷帳。Figure 4 is a block flow diagram of the second embodiment of the method for payment and automatic account cancellation using the present invention. The difference between Figure 4 and Figure 2 is that the barcode returned by the
在此實施例中係假設條碼為一維條碼,蓋因於目前便利商店及銀行僅能掃描一維條碼,但若便利商店及銀行具備掃描並識別二維條碼的能力,則此第二實施例亦可應用於二維條碼。In this embodiment, it is assumed that the barcode is a one-dimensional barcode, because the convenience stores and banks can only scan one-dimensional barcodes, but if the convenience stores and banks have the ability to scan and recognize two-dimensional barcodes, then this second embodiment It can also be applied to two-dimensional barcodes.
若銀行收款伺服器10比對後發現收款端40所收到的款項錯誤,則一邊發送入帳結果給自動銷帳伺服器20但不銷帳,一邊再次發送繳費通知的簡訊給該繳款用戶的行動裝置30,告知該繳款用戶繳款金額錯誤,應補足金額、領取退款或其他處理方式。If the
本發明利用簡訊帳單產生條碼之繳費暨自動銷帳方法之第二實施例之詳細流程圖請參考第5圖,其中步驟S20~S24皆與第3圖之步驟S10~S14相同;接著步驟S26,當條碼被掃瞄,讀取出其中之繳費資訊以供繳款用戶於一收款端繳費後,收款端發送一入帳通知給銀行收款伺服器;接著如步驟S28所述,銀行收款伺服器中的收款模組會將入帳通知與帳單儲存模組中對應該繳款用戶的帳單資訊進行比對,確認入帳金額是否正確,此時金額已經匯入到虛擬帳號所設定對應的實體帳號中;最後,在步驟S29中,自動銷帳伺服器接收收款模組所確認過的入帳結果,並自動從實體帳戶中進行銷帳作業。Please refer to Figure 5 for the detailed flowchart of the second embodiment of the payment and automatic account cancellation method using SMS bills to generate barcodes. Steps S20~S24 are the same as steps S10~S14 in Figure 3; then step S26 , When the barcode is scanned, the payment information is read out for the payment user to pay at a receiving terminal, and the receiving terminal sends an account notification to the bank receiving server; then as described in step S28, the bank The payment module in the payment server will compare the billing notification with the billing information of the user who should pay the bill in the bill storage module to confirm whether the credited amount is correct. At this time, the amount has been transferred to the virtual The account number is set in the corresponding physical account; finally, in step S29, the automatic account cancellation server receives the account entry result confirmed by the payment module, and automatically performs the account cancellation operation from the entity account.
由於公庫收款在目前須由政府機構收到款項後,辦理年度會計銷帳對帳事宜,且各種款項須再分配給政府機構轄下各單位,相關做帳事宜繁複,若採用本發明之系統及方法繳交政府規費給公庫銀行,將可極大程度減少銀行收款此業務所需的人力,並縮減政府機構後續會計銷帳等事務性工作的事項。此外,本發明除了應用於個人繳款用戶,亦可應用於企業繳款,需留存企業聯絡人,例如負責人、總經理等之行動電話號碼,簡訊則發送至企業聯絡人的行動裝置中。Since the public treasury has to handle the annual accounting write-off and reconciliation after the government agency receives the money, and all kinds of money must be redistributed to the units under the government agency, the related accounting matters are complicated. If the system of the present invention is used And methods to pay government fees to the public treasury bank will greatly reduce the manpower required for the bank's collection of funds, and reduce the subsequent accounting write-offs of government agencies and other transactional tasks. In addition, the present invention is not only applied to personal payment users, but also to corporate payment. The mobile phone numbers of corporate contacts, such as the person in charge, general manager, etc., need to be kept, and the short message is sent to the mobile device of the corporate contact.
此外,本發明將代收費用連結包含在簡訊中,取代紙本帳單,當使用者開啟代收費用連結時就會自動得到繳費用的條碼,不但兼具節能減碳的環保意識,且可解決條碼無法利用簡訊傳送之缺點。而利用條碼繳費,取代先前技術中以金融卡、信用卡或銀行帳戶繳費,由於從條碼中取得帳號需要經過解碼,還可提升交易安全性,降低帳戶資料被竊取的風險;進一步而言,從條碼中解碼出的是虛擬帳號,且其係由帳單編號所編碼產生,不但更增進交易安全性,且藉由虛擬帳號進行收款,可避免實體帳號外流。In addition, the present invention includes the link to the proxy fee in the newsletter, instead of the paper bill, when the user opens the link to the proxy fee, the user will automatically get the bar code for the payment, which not only has the environmental awareness of energy saving and carbon reduction, but also Solve the shortcomings that barcodes cannot be transmitted by SMS. The use of bar code to pay instead of using financial cards, credit cards or bank accounts in the previous technology to pay, because the account number obtained from the bar code needs to be decoded, it can also improve transaction security and reduce the risk of account data being stolen; further speaking, from the bar code What is decoded in is a virtual account number, and it is generated by encoding the bill number, which not only enhances transaction security, but also uses the virtual account to collect payments, which can avoid the outflow of the physical account.
唯以上所述者,僅為本發明之較佳實施例而已,並非用來限定本發明實施之範圍。故即凡依本發明申請範圍所述之特徵及精神所為之均等變化或修飾,均應包括於本發明之申請專利範圍內。Only the above are only preferred embodiments of the present invention, and are not used to limit the scope of the present invention. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit of the application scope of the present invention shall be included in the patent application scope of the present invention.
10:銀行收款伺服器 102:帳單儲存模組 104:代收費用連結產生模組 106:簡訊發送模組 108:條碼產生模組 109:收款模組 20:自動銷帳伺服器 30:行動裝置 40:收款端10: Bank receiving server 102: Bill storage module 104: Proxy fee link generation module 106: SMS sending module 108: Barcode generation module 109: Receiving Module 20: Automatic debit server 30: mobile device 40: Receiving terminal
第1圖為本發明利用簡訊帳單產生條碼之繳費暨自動銷帳系統之方塊圖。 第2圖為利用本發明進行繳費及自動銷帳方法第一實施例之方塊流程圖。 第3圖為本發明利用簡訊帳單產生條碼之繳費暨自動銷帳方法之第一實施例之流程圖。 第4圖為利用本發明進行繳費及自動銷帳方法之第二實施例之方塊流程圖。 第5圖為本發明利用簡訊帳單產生條碼之繳費暨自動銷帳方法之第二實施例之流程圖。Figure 1 is a block diagram of a bill payment and automatic account cancellation system using SMS bills to generate barcodes according to the present invention. Figure 2 is a block flow diagram of the first embodiment of the method for payment and automatic account cancellation using the present invention. Figure 3 is a flow chart of the first embodiment of the method for payment and automatic cancellation of bills using SMS bills to generate barcodes according to the present invention. Figure 4 is a block flow diagram of the second embodiment of the method for payment and automatic account cancellation using the present invention. Figure 5 is a flow chart of the second embodiment of the method for payment and automatic cancellation of bills using SMS bills to generate barcodes in accordance with the present invention.
10:銀行收款伺服器10: Bank receiving server
102:帳單儲存模組102: Bill storage module
104:代收費用連結產生模組104: Proxy fee link generation module
106:簡訊發送模組106: SMS sending module
108:條碼產生模組108: Barcode generation module
109:收款模組109: Receiving Module
20:自動銷帳伺服器20: Automatic debit server
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