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

Abstract

The present invention provides a bill payment and automatic account cancellation system and method using SMS bills to generate bar codes. Multiple pieces of bill information corresponding to multiple payment users are stored in a collection server of a bank. After the bill information is used to generate a collection charge link, it is sent to the mobile device of the payment user by SMS. When the collection charge link is activated, use the information contained in the collection charge link to encode, so as to generate a barcode, and send it back to the mobile device; scan the barcode for the receiving terminal to send a deposit notice after the payment user pays at a receiving terminal. The collection server of the bank receives the deposit notice and compares it with the bill information to confirm the correctness of the deposit amount; and use an automatic account cancellation server to deduct the credited amount and automatically cancel the account.

Description

System and method for payment and automatic cancellation of bills using short message bills to generate bar codes

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.

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.

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.

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.

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:

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.

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.

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.

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.

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.)

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.

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.

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.

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.

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.

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.

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 bank collection server 10 and an automatic account cancellation server. The two servers are both internal system hosts of the bank. They can be two virtual servers in a single host. In this case, the connection between the two servers is internal line connection or independent two hosts. The connection method is through the network connection. The hardware components in the mainframe include standard equipment such as mainboard, central processing unit, hard disk, memory, etc., which will not be repeated here.

The bank collection server 10 includes a bill storage module 102, a first-generation charging link generation module 104, a short message sending module 106, a code generation module 108, and a collection module 109. The bill storage module 102 stores plural bill information, and each bill information corresponds to a paying user. The bill information is generated by the automatic debit server 20, and then sent to the bank collection server 10 for storage. A bill information includes a bill number, a payment amount, and a virtual account number generated corresponding to the bill number. The virtual account number can be randomly generated or encoded by the bill number and the personal information of the payment user Generated, and each virtual account will be set to correspond to a physical account. When the virtual account is in the account, the actual payment is received by the physical account. The purpose of the virtual account is to avoid information leakage and misappropriation during the transaction process; proxy charges The link generation module 104 is connected to the bill storage module 102, and uses the bill information of each payment user to generate a generation charge link. This link is a Uniform Resource Locator (URL), a charge link In addition to the billing information, it also includes a unique identification code; the short message sending module 106 is connected to the charging link generation module 14 to send the charging link corresponding to each payment user in a short message separately In the mobile device of each payment user, the SMS sending module 106 stores the contact phone number of each payment user; the barcode generation module 108 is used to encode the bill information and the unique identification code to generate a The barcode is provided to the payment user. This happens when the payment link sent to the mobile device is activated. In other words, when the payment user clicks the payment link, the billing information and unique identification code will be sent again Go to the barcode generation module 108 to generate the barcode by encoding, and then the barcode generation module 108 sends the barcode back to the mobile device; when the barcode is scanned, the payment information is read out for the payment user to pay, the bank collection server The device 10 will receive a payment notification, which is received by the payment module 109. The payment module 109 is connected to the bill storage module 102, and the payment amount in the received payment notification is compared with the bill storage module. Compare the bill information stored in 102 to confirm whether the credited amount is consistent with the payment amount in the bill information. The automatic write-off server 20 receives the credit result sent by the bank collection server 10, and automatically writes off the bill information of the credited amount. The bill information contains a virtual account number, but because the virtual account number is set Corresponding entity account, so it is actually to write off the entity account.

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.

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 mobile device 30 Scan the barcode. It can be seen from the figure that the automatic account cancellation server 20 provides the bank collection server 10 with billing information, and the bank collection server 10 sends the payment information to the mobile device 30 of the paying user in a short message. When the charging link is activated, the mobile device 30 sends a link activation notice to the bank's collection server 10. This link activation notice includes payment information and a unique identification code for the bank's collection server 10 to encode and generate a barcode. Then, the bank The payment server 10 returns the barcode to the mobile device 30. Then, the mobile device 30 captures the barcode on the screen for identification, that is, the mobile device 30 scans the barcode on the screen by itself. This step can be performed through an online banking application or a mobile payment application installed in the mobile device 30. When the barcode is scanned, the deposit amount to be paid will be displayed. The payment user selects the payment account to make the payment, and the bank collection server 10 will receive a deposit notification, and at the same time, the deposit amount will be remitted To the physical account set by the virtual account number corresponding to the bill number. The bank receiving server 10 confirms that the credited amount is consistent with the amount in the billing information, and sends the crediting result to the automatic account cancellation server 20, so that the automatic account cancellation server 20 automatically performs the cancellation operation from the physical account, simplifying Accounting matters.

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.

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 bank collection server 10 to the mobile device 30 is A one-dimensional barcode, and a payment terminal 40 scans the barcode on the mobile device 30. The payment terminal 40 is a convenience store or bank that collects the money. When the barcode is scanned by the payment terminal 40, it will display the payment The payment terminal 40 receives the payment from the payment user and sends a payment notification to the bank payment server 10. The bank collection server 10 confirms that the credited amount is consistent with the amount in the bill information, and sends the crediting result to the automatic billing server 20, so that the automatic billing server 20 sets the virtual account number corresponding to the bill number Automatically write off in the physical account of.

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.

If the bank receiving server 10 finds that the money received by the receiving terminal 40 is wrong after the comparison, it will send the account result to the automatic account cancellation server 20 but not cancel the account, and send the SMS of the payment notification to the payment again. The mobile device 30 of the payment user informs the payment user that the payment amount is wrong and should make up the amount, receive a refund, or other processing methods.

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.

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.

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.

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: 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

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: 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

Claims (10)

A bill payment and automatic account cancellation system that uses SMS bills to generate bar codes, including: A bank collection server, including: A bill storage module, which stores multiple bill information corresponding to multiple payment users; First generation charge link generation module, connected to the bill storage module, and use the bill information of each of the payment users to generate a generation charge link. The generation charge link also includes a unique identification code ； A short message sending module, connected to the generating module for generating charges on behalf of the fee, and sending the link corresponding to each paying user to the mobile device of each paying user in a short message; A code generation module, when any one of the mobile devices is activated, it uses the billing information and the unique identification code in the proxy link to generate a code, And send it back to the mobile device that has enabled the charging link. 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 ;as well as A collection module, which is connected to the bill storage module, compares the received billing notification with the bill information in the bill storage module, and confirms whether a credited amount is correct; and An automatic account cancellation server is connected to the bank's collection server to automatically perform account cancellation operations on the credited amount bill information. The payment and automatic account cancellation system for generating a barcode using SMS bills as described in claim 1, wherein when the barcode is a one-dimensional barcode, a payment terminal uses a scanner to scan the barcode in the mobile device. The bill payment and automatic account cancellation system using SMS bill generation barcode as described in claim 1, wherein 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 is used by the collection module to collect the credited amount and credit it to the virtual account. For example, the bill payment and automatic cancellation system using SMS bill generation barcode as described in claim 1, when the proxy charge link in the mobile devices is activated, the bill information contained in the proxy charge link and The unique identification code will be sent back to the barcode generation module to encode and generate the barcode. The bill payment and automatic billing system that uses SMS billing to generate barcodes as described in claim 1, wherein each bill information includes a bill number, a payment amount and a virtual account number generated corresponding to the bill number , The virtual account is set with a corresponding physical account, and the collection module compares whether the credited amount is consistent with the paid amount. As described in claim 5, the payment and automatic account cancellation system using SMS billing to generate barcodes, wherein the credited amount is deposited in the virtual account number, and the automatic account cancellation server receives the physical account number corresponding to the virtual account number Perform write-off operations. A method for payment and automatic cancellation of bills using SMS bills to generate bar codes, including the following steps: Store multiple bill information corresponding to multiple payment users in a bank's collection server; The billing information of each payment user is used to generate a generation charge link, which is sent to the mobile device of each payment user by SMS. The charge payment link includes a unique identification code; When any of the proxy charging links sent to the mobile devices is activated, use the billing information and the unique identification code in the proxy charging link to encode, generate a code, and send it back to the activation These mobile devices linked to the payment agent; 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; Compare the billing notification with the billing information to confirm whether the credited amount is correct; and An automatic account cancellation server automatically performs an account cancellation operation on the bill information. As described in claim 7, the payment and automatic account cancellation method for generating a bar code using a short message bill, wherein the receiving terminal is a bank or a supermarket, and a scanner is used to scan the bar code in the mobile device. As described in claim 7 of the payment and automatic cancellation method of using SMS bills to generate barcodes, when the proxy billing link in the mobile devices is activated, the billing information contained in the proxy billing link and The unique identification code will be sent back to the barcode generation module to encode and generate the barcode. As described in claim 7, the method of payment and automatic account cancellation using SMS bill generation barcode, wherein each bill information includes a bill number, a payment amount and a virtual account number generated corresponding to the bill number , The virtual account number is set to a corresponding physical account, the payment module compares whether the credited amount is consistent with the payment amount, and the credited amount is deposited into the physical account corresponding to the virtual account, The automatic account cancellation server performs account cancellation operations from the entity account.

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