528971 A7 __B7 五、發明説明（， 【發明所屬之技術領域】 本發明係關於一種將有關商業或非商業交易這些交易 的結帳、商業或非商業廣告等之資訊處理，使用這些交易 的當事者或銀行等的電腦系統和電腦間之通信網路並自動 執行之技術。 【習知技術】 提供商品或服務之提供者（公司或公家機關）的電腦 系統，與購入商品或服務之購買者（個人或法人）的電腦 系統之間，透過通信網路取得電子資訊，由此，而使得在 提供者與購買者間所執行之各種交易的資訊管理，或關於 這些交易之結帳（例如商品或服務的貸款支付、公用事業 費的支付、稅金的繳納等）自動執行之系統實用化。 根據習知技術，將關於來自提供者之帳單（資訊）朝 購買者知到達、購買者應支付期間、以及於購買者銀行帳 戶之提存款等資訊作總括性自動管理之自動化手段，並沒 有提供購買者。爲此，購買者本身爲了不遺漏這樣的資訊 而必須加以記憶整理。 此外，從提供者對於購買者以電子郵件傳送交易明細 或帳單之行爲廣泛地被執行。但是對購買者而言，必須從 許多人寄來之各式各樣的電子帳單中，--^找出特定的交 易明細或帳單是很麻煩的事。 且根據習知技術，購買者對於帳單執行承認並自動從 購買者的銀行帳戶支付金錢給提供者，像這樣的帳單承認 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閱讀背面之注意事項再填寫本頁) ▼裝· 訂 經濟部智慧財產局員工消費合作社印製 4- 528971 Α7 Β7 五、發明説明（2 ) 與結帳處理間也沒有以即時處理或在適當時間的連動實現 之。 (請先閲讀背面之注意事項再填寫本頁) 另一方面，對於提供者而言，根據習知技術，關於購 買者是否看到帳單、購買者應支付期間、購買者是否承認 帳單內容、購買者是否支付、以及已支付的期間等資訊， 沒有提供以即時處理或適當時間自動確認之自動化手段。 爲此，提供者爲了管理並整理多種交易之資訊掌握資金流 動，必須分割許多勞動力。 再者，提供者透過報紙或雜誌的版面、電車內或車站 的傳單、廣告信件、網路網頁等媒體，將商業或非商業的 廣告發送至不特定多數的購買者。但是，對該廣告抱有興 趣的購買者比率並不高。因此，廣告雖然花費龐大費用， 卻很難達到很好的效果。 【發明揭示】 經濟部智慧財產局員工消費合作社印製 本發明之目的，係購買者可將關於該購買者所執行之 各種商業交易以及這些交易之結帳等諸資訊，於購買者的 電腦系統G U I (圖形使用者介面）畫面上作總括性地管 理。 本發明之另一目的，係購買者在購買者的電腦系統 G U I畫面上，對於來自提供者所傳送之帳單執行承認， 以即時處理或在適當時間，自動執行該帳單之結帳。 本發明再另一目的，係提供者可將關於該提供者所執 行之各種商業交易以及這些交易之結帳等諸資訊’於提供 本紙張尺度適用中國國家標準（CNS ) Μ規格（210X 297公釐） -5 - 528971 A7 B7 五、發明説明（3 ) 者的電腦系統G U I畫面上作總括性地管理，並可輕易掌 握資金流動。 (請先閱讀背面之注意事項再填寫本頁) 本發明再另〜目的，係辦理提供者或購買者銀行帳戶 之金融機關’將有關該提供者或購買者所執行之各種商業 交易結帳的諸資訊，於該金融機關的電腦系統G U I畫面 上作總括性地管理，並可輕易管理結帳處理。 本發明更另一目的，係可將商業或非商業廣告對於購 買者’選擇該購買者對該廣告可能抱持很高興趣的適當時 期並提供之。 依照本發明第1目的之管理購買者交易及結帳的方法 ，係具有： 從提供者系統，收訊對於購買者之電子帳單的步驟， 與 從銀行系統，收訊關於購買者資金之電子提存款明細 的步驟，與 經濟部智慧財產局員工消費合作社印製 準備顯示日曆之GU I畫面的步驟，與 上述GU I晝面之日曆中，貼上表示來自上述提供者 系統之上述電子帳單記號，和表示來自上述銀行系統之上 述電子提存款明細記號的步驟。 依照本發明第2目的之管理購買者交易及結帳的電腦 系統，係具有： 執行來自提供者系統，對於購買者之電子帳單收訊處 理的電腦程式，與 執行來自銀行系統，關於購買者資金之電子提存款明 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -6 - 528971 A7 __ B7 五、發明説明（4 ) 細收訊處理的電腦程式，與 (請先閱讀背面之注意事項再填寫本頁) 執行準備顯示日曆之G U I畫面之處理的電腦程式， 與 上述GU I畫面中，執行貼上表示來自上述提供者系 統之上述電子帳單記號，和表示來自上述銀行系統之上述 電子提存款明細記號處理的電腦程式’與 將顯示已貼上上述帳單和提存款明細記號之上述日曆 的上述G U I畫面，執行發訊至購買者系統之處理的電腦 程式。 依照本發明第3目的之提供購買者消息的方法，係具 有： 準備具有日期之購買者行事的步驟，與 從提供者系統收訊消息的步驟，與 從所收訊之消息中，選擇跟所準備之購買者行事相關 聯之消息的步驟，與 經濟部智慧財產局員工消費合作社印製 根據跟上述所選擇之消息相關聯之購買者行事日期， 決定上述所選擇消息之通知日期的步驟，與 準備顯示日曆之GU I畫面的步驟，與 將表示上述所選擇之消息記號，貼於上述G U I晝面 日曆之上述通知日期空間的步驟，與 將顯示貼有上述所選擇之消息記號之上述日曆的上述 G U I畫面，提供於購買者系統的步驟。 依照本發明第4目的之提供購買者消息的電腦系統， 係具有： ^紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） ~~ ~-- 528971 A7 --^ B7 五、發明説明（5 ) 執行準備具有日期之購買者行事之處理的電腦程式， 與 (請先閲讀背面之注意事項再填寫本頁) 執行從提供者系統收訊消息之處理的電腦程式，與 從所收訊之消息中，執行選擇跟所準備之購買者行事 相關聯消息之處理的電腦程式，與 根據跟上述所選擇之消息相關聯之購買者行事日期， 執行決定上述所選擇消息之通知日期之處理的電腦程式， 與 行準備顯示日曆之G U I畫面處理的電腦程式，與 表示上述所選擇之消息記號，於上述G U I畫面日曆 上的上述通知日期空間，執行貼附處理的電腦程式，與 顯示貼有上述所選擇之消息記號之上述日曆的上述 G U I畫面，執行發訊至購買者系統之處理的電腦程式。 在本發明中，所謂的「帳單」，並不僅指帳單，也包 含非帳單但可讀取請款金額等請款內容的書類，例如，以 交易明細或付款明細或交貨明細等。請款金額可爲正數（ 購買者支付金錢）亦可爲負數（購買者取得金錢）。 經濟部智慧財產局員工消費合作社印製 在本發明中，所謂的「提存款明細」，係指對於帳戶 存款或提款的事實及可讀取該金額之書類。 在本發明中，所謂的「購買者」，並不僅指購買商品 或服務之主體，也包含伴隨金錢移動而自動執行某種經濟 行爲之主體，以及從其他公司接受該經濟行爲之對象者的 廣義表現。 在本發明中，所謂的「提供者」，並不僅指提供商品 本紙張尺度適用中國國家標隼（CNS ) A4規格（210X 297公釐） -8 - 528971 A7 B7 五、發明説明（6) (請先閱讀背面之注意事項再填寫本頁) 或服務給「購買者」的主體，也包含伴隨金錢移動對「購 買者」自動執行某種經濟行爲之主體，以及從「購買者」 接受該經濟行爲之對象者的廣義表現。 在本發明中，所謂的「銀行」，並不僅指銀行，也包 含非銀行但可辦理提供者或購買者資金移動之組織的廣義 表現。例如本發明中的「銀行」有時也指爲證卷公司或郵 局。 【爲實施發明之最佳形態】 第1圖，係表示依照本發明之一實施形態的交易及結 帳管理系統的整體構成方塊圖。 經濟部智慧財產局員工消費合作社印製 如第1圖所顯示，係存在購入商品或服務之購買者（ 個人或法人）1所使用之電腦系統的購買者系統3，與提 供商品或服務之提供者（私人企業或公家機關等）5所使 用之電腦系統的提供者系統7。此外，亦存在辦理購買者 1之存款帳戶的金融機關9所使用之電腦系統的銀行系統 1 3，與辦理提供者5之存款帳戶之金融機關1 1所使用 之電腦系統的銀行系統1 5。銀行系統1 3與1 5，透過 銀行間結帳系統1 7，可執行購買者1之存款帳戶與提供 者5之存款帳戶之間的資金流動（帳戶轉帳）等通信。購 買者系統3以及提供者系統7，各自透過如網路銀行之電 子銀行系統，可與銀行系統1 3與1 5通信。 再者，如第1圖所顯示，係存在依據結帳管理公司 1 9所營運之伺服器系統2 5。伺服器系統2 5之分配任 本紙張尺度適用中國國家標準（CNS ) Μ規格（21〇χ297公釐） -9 - 528971 A7 B7 五、發明説明（7 ) 務，係自動地管理處理在購買者1與提供者5之間所執行 之商業或非商業交易以及關於追些交易之結帳。該伺服器 系統2 5，係透過網際網路、公共電話電線網、專用通信 網路或電子銀行系統等，可使購買者系統1、提供者系統 5以及銀彳了系統1 3、1 5通信。 伺服器系統2 5，對於購買者系統3，例如作爲 WWW伺服器並具功能，提供日曆（每月或每週的全部曰 期一覽表）之GUI畫面（以下，稱爲「日曆畫面」）（ 參照第3、4圖）。該日曆畫面，係具有總括性地管理關 於購買者所執行各種商業或非商業交易之利用明細書或帳 單（以下通稱「帳單」）以及關於這些交易的結帳（帳戶 提存款）之資訊，然後依據購買者1承認這些各個交易結 帳，以即時處理或在適當時間自動執行之機能。在以下的 說明中，伺服器系統2 5，如第1圖所顯示，稱爲「曰曆 伺服器」。 日曆伺服器2 5，更將總括性地管理提供者5所執行 之各種商業或非商業交易帳單以及關於這些交易之結帳資 訊，據此容易掌握資金流動之機能和G U I畫面（參照第 1 0圖）提供至提供者系統7。日曆伺服器2 5，更將總 括性地管理關於使用金融機關9及1 1各自辦理之銀行帳 戶所結帳之帳單資訊的機能和G U I晝面（參照第1 1圖 )，各自提供至銀行系統1 3及1 5。 現實上，多數的購買者和多數的提供者和多數的金融 機關，可利用日曆伺服器2 5。但是，在第1圖中’爲了 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） (請先閱讀背面之注意事項再填寫本頁) •裝· 訂 經濟部智慧財產局員工消費合作社印製 -10- 528971 A7 B7 五、發明説明（8 ) (請先閲讀背面之注意事項再填寫本頁) 說明容易，只以一位購買者1、一個提供者5、和辦理該 購買者1之一個帳戶的一個金融機關9、和辦理該提供者 5之一個帳戶的一個金融機關1 1作爲代表。 購貝者1 ’可以是個人也可爲法人。在本說明書中所 謂的「購買者」，並不僅指購入商品或服務的人，亦爲繳 納稅金者、買賣股票等證券者、借貸金錢者、或償還貸款 者等，執行各種經濟行爲者的總稱。購買者1的一例係個 人購買者。作爲購買者系統3，爲了可以存取日曆伺服器 2 5、存取電子銀行系統，可利用裝載網際網路連接功能 與W W W瀏覽器之個人電腦3 a、攜帶電話3 b或穿帶式 終端等。 經濟部智慧財產局員工消費合作社印製 提供者5，可以爲個人可以爲私人企業亦可爲公家機 關。在本說明書中所謂的「提供者」，並不僅指販賣商品 或服務者，亦指徵收稅金的政府機關、各種交易的仲介業 者、貸款公司、租賃公司等，對於購買者執行某些經濟行 爲之主體。在提供者的例子中，有對購買者販賣商品的小 賣店或餐廳；對購買者提供各種金融服務之證券公司、保 險公司、信販公司（卡片公司）以及貸款公司；從購買者 回收貸款之租賃公司；購買者任職地點的公司或政府機關 ;對購買者提供通話服務之電話公司以及行動電話公司； 提供都市瓦斯之瓦斯公司、以及提供電力之電力公司等。 在提供者的例子中，更具有經營自來水管、下水道事業之 地方公營企業體、徵收國稅或地方稅或罰金之行政機關、 以及執行各種公共服務的各公家機關（例如，郵局等）等 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -11 - 528971 A7 B7 五、發明説明（9 ) 〇 (請先閲讀背面之注意事項再填寫本頁) 購買者1 ，一開始先對於結帳管理公司1 9，執行申 請「結帳管理服務」契約。據此，購買者系統3可以介由 網際網路與日曆伺服器2 5連接。其結果，購買者丨可將 來自提供者5的帳單（亦即交易明細書或帳單）以及來自 金融機關9的存款帳戶之提存款明細，以電子資訊的形式 總括性地由日曆伺服器2 5用線上方式收訊至購買者系統 3 ’於購買者系統3之顯示裝置上，顯示已貼上這些資訊 的曰曆晝面（參照第3、4圖）。更者，購買者1對於購 買者系統3所收訊之帳單輸入承認至購買者系統3，立刻 產生對於該帳單之支付（帳戶轉帳）電文傳送至銀行系統 1 3，可以即時處理或在適當時間實行該帳單之結帳。購 買者1對於結帳管理公司1 9，支付「結帳管理服務」的 使用費用。購買者1可指定適用上述「結帳管理服務」之 特定的提供者5或特定的金融機關9。 經濟部智慧財產局員工消費合作社印製 購買者1 ，使用裝載於購買者系統3之W W W瀏覽器 ，透過網際網路，與日曆伺服器2 5通信。購買者1之個 人識別資訊（I D、密碼等）從購買者系統3傳送至日曆 伺服器2 5，據此日曆伺服器2 5許可購買者系統3存取 存在日曆伺服器2 5所具有之資料庫內的購買者1用的收 藏領域之資料。購買者1用的資料庫中，收藏有從提供者 5所收訊之給購買者1的帳單、或從金融機關9所收訊之 購買者1帳戶的提存款明細。日曆伺服器2 5，將購買者 1所選擇之特定月或週的日曆畫面（參照第3、4圖）， 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -12- 528971 A7 B7 五、發明説明（10 ) (請先聞讀背面之注意事項再填寫本頁} 傳送至購買者系統3的w w W瀏覽器並顯示該日曆畫面。 於該日曆畫面（參照第3、4圖），分別表示來自提供者 5的帳單以及來自金融機關9的提存款明細的記號（圖示 或文字列）’係顯示於各利用明細書或帳單日期（例如收 訊曰）以及各提存款明細日期（例如提存款的發生日）之 曰期欄上。日曆伺服器2 5也可再對應於來自購買者1的 要求’將顯示各帳單詳細內容的畫面（參照第7圖），或 者將顯示購買者1存款帳簿內容的畫面（參照第8圖）等 ’傳送至購買者系統3並顯示。對於購買者系統3所顯示 之各帳單，當購買者1輸入承認，以即時處理或在適當時 間’產生請求支付該帳單的帳戶轉帳電文傳送至銀行系統 1 3 ’銀行系統1 3實行該帳單之結帳。 經濟部智慧財產局員工消費合作社印製 提供者系統7，透過所定之通信網路可以與日曆伺服 器2 5通信。當提供者系統7與購買者1的交易成功，即 以即時處理或在適當時間，將關於該交易之給購買者1的 電子帳單發訊至日曆伺服器2 5。在該電子帳單上，以所 定格式記述顧客（購買者）姓名、帳單號碼、顧客（購買 者）帳戶5虎碼、§靑款金額、狀態、支付期限、I旬問號碼、 轉帳目的帳戶、E D I資訊（於該電子帳單收受時必要的 附加資訊，例如固有的識別碼等）等。 日曆伺服器2 5，將從提供者系統7所收訊之給購賣 者1的電子帳單保管在資料庫中，然後執行針對該電子帳 單的通知（於日曆畫面貼上記號通知購買者1 )、閱讀（ 使購買者觀看帳單的詳細內容畫面）、支付請求（銀行系 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -13- 528971 A7 __ B7 經濟部智慧財產局員工消費合作杜印製 五、發明説明（11 ) 統1 3通知已執行帳單支付之帳戶轉帳處理，或者請求（ 通知）銀行系統1 3執行帳單支付之帳戶轉帳處理）、已 支付確認（從銀行系統1 3通知於提供者帳戶已有請款金 額之存款）等處理。當日曆伺服器2 5針對電子帳單執行 上述通知、閱讀、支付請求、或已支付確認等處理，即以 即時處理或在所定時間，更新該電子帳單的狀態爲已通知 、已閱讀、支付請求中、或已支付等。 提供者系統7，可以指定發行期間或狀態請求日曆伺 服器2 5檢索電子帳單。於是，日曆伺服器2 5從日曆伺 服器2 5所管理之來自提供者系統7的電子帳單中，檢索 所指定之發行期間中現在具有輸入發行日且所指定狀態之 帳單，將一覽顯示這些帳單之帳單列表畫面（參照第1 0 圖）傳送至提供者系統7並顯示。該帳單列表畫面（參照 第10圖）中，顯示各電子帳單之顧客名、帳單號碼、顧 客帳戶號碼、請款金額、狀態、狀態更新時間、支付期限 、詢問號碼、E D I識別資訊等。在此所顯示之各電子帳 單的「狀態」，係表示各電子帳單的最新狀態（已通知、 已閱讀、支付請求中、或已支付等），「狀態更新時間」 係表示該最新狀態的更新日期。 且提供者系統7可以預先要求日曆伺服器2 5將電子 帳單的狀態更新以即時處理方式自動通知。像這樣預先要 求的情況下，即使提供者系統7沒有積極連接日曆伺服器 2 5，日曆伺服器2 5也以即時處理方式自動通知提供者 系統7電子帳單的狀態更新。總之，帳單狀態變成已支付 (請先閲讀背面之注意事項再填寫本頁) -裝· 訂 4 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） -14 - 528971 五、發明説明（12 曰寸’提供者系統7從日曆伺服器2 5以即時處理或在所定 時間收訊該主旨的通知。 (請先閱讀背面之注意事項再填寫本頁) 銀行系統1 3、1 5，透過電子銀行系統，與日曆伺 服器2 5、購買者系統3或提供者系統7等通信，並可對 應來自日曆系統2 5、購買者系統3或提供者系統7的請 求執行銀行業務。當辦理購買者1存款帳戶之銀行系統 1 3 ’接受從提供者7給購買者1的委託帳單支付（帳戶 轉帳）電文’以即時處理或在所定時間，使用銀行間結帳 系統執行從購買者1之存款帳戶朝銀行系統1 5具有之提 供者7的存款帳戶的請款金額部分之金錢轉帳處理。 經濟部智慧財產局員工消費合作社印製 當辦理購買者1之存款帳戶的銀行系統1 3，依據如 上述帳單的支付或其他原因於該購買者1之存款帳戶發生 提款或存款時，以即時處理或在所定時間，將表示該存款 或提款明細之電子提存款明細發訊至日曆伺服器2 5。於 該提存款明細中，以所定格式記述顧客（購買者1 )姓名 、顧客帳戶、提存款日期、提存款金額 '項目、摘要、以 及E D I資訊（於收受該電子提存款明細時必要之附加資 訊，例如已支付之帳單的識別碼等）。該提存款明細表示 帳單支付完成時，日曆伺服器2 5依據包含於該提存款明 細之E D I資訊，可以特定已支付之帳單爲哪一個，然後 更新特定帳單之狀態爲已支付。 處理提供者5之存款帳戶的銀行系統1 5，可以指定 發行期間或狀態請求日曆伺服器2 5檢索電子帳單。於是 ，日曆伺服器2 5將指定該銀行系統所辦理之提供者5的 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） -15- 528971 A7 B7 五、發明説明（13 ) (請先閲讀背面之注意事項再填寫本頁) 存款帳戶（現實中，係辦理複數個提供者的複數個存款帳 戶）爲轉帳目的帳戶之電子帳單，檢索所指定之發行期間 中現在有輸入發行日且爲所指定狀態的電子帳單，將一覽 顯示這些帳單之帳單列表畫面（參照第1 1圖）傳送至銀 行系統1 5並顯示。該帳單列表畫面（參照第1 1圖）中 ，顯示各電子帳單的請款企業（提供者）名、企業碼、顧 客（購買者）名、顧客帳戶、請款金額、狀態、發行日、 以及請款（支付）期限等。在此所顯示之各電子帳單的「 狀態」，係表示各電子帳單的最新狀態（已通知、已閱讀 、支付請求中、或已支付等），「狀態更新時間」係表示 該最新狀態的更新日期。 經濟部智慧財產局員工消費合作社印製 日曆伺服器2 5具有資料庫，其中具有購買者1用的 收藏領域。購買者1用的收藏領域中，儲備從提供者系統 7所收訊之給購買者1的電子帳單、以及從銀行系統1 3 所收訊之購買者1存款帳戶的提存款資訊等。當收訊電子 帳單或提存款明細，日曆伺服器2 5不僅可以於上述日曆 畫面C參照第3、4圖）中貼上帳單或提存款明細讓購買 者1閱覽，也可使用電子郵件通知購買者1。 日曆伺服器2 5，如第1圖所顯示，具有帳單管理部 2 7與會計管理部2 9。帳單管理部2 7係與辦理提供者 系統7以及提供者5帳戶的銀行系統通信，主要係執行關 於來自提供者5的電子帳單的資訊處理。會計管理部2 9 ，主要是與辦理購買者系統3以及購買者1帳戶的銀行系 統1 3通信，主要係執行關於購買者1帳戶提存款的資訊 本紙張尺度適用中國國家標準（CNS ) A4規格（21〇><297公釐） -16- 528971 A7 B7 五、發明説明（14 ) 處理。 (請先閲讀背面之注意事項再填寫本頁) 第2圖係表不在帳單管理部2 7與會計管理部2 9所 執行之處理的電子資訊流程。參照第2圖，說明關於這些 處理。這些處理，典型的係依據實行裝載於日曆伺服器 2 5之電腦程式而執行。 帳單管理部2 7執行之處理中，具有（1 )帳單登錄 處理、（2 )帳單閱讀及支付請求通知處理、以及（3 ) 結帳帳單消帳處理。 (1 )帳單登錄處理 當從提供者系統7給購買者1的電子帳單被發行（1 - 1 )，帳單管理部2 7收訊該電子帳單，作爲未結帳之 帳單登錄至帳單管理部2 7的資料庫（1 一 2)，接著管 理該電子帳單之狀態或支付期限等。帳單管理部2 7又將 該電子帳單轉送至會計管理部2 9 ( 1 - 3 )。 (2 )帳單閱讀及支付請求通知處理 經濟部智慧財產局員工消費合作社印製 購買者1已讀取（已閱讀）某電子帳單之詳細內容時 ，從會計管理部2 9傳送閱讀通知至帳單管理部2 7 ( 6 -2 )。當帳單管理部2 7收訊該閱讀通知，即把該電子 帳單之狀態更新爲已閱讀（2 - 1 )。帳單管理部2 7， 從提供者系統2 7被要求檢索該電子帳單時（或者，預先 委託自動通知的情況下，該電子帳單之狀態更新爲已閱讀 時），將該電子帳單之狀態（亦即已閱讀）通知提供者系 本紙張尺度適用中國國家標準（CNS ) A4規格（21〇><297公釐） -17- 528971 A7 B7 五、發明説明（15 ) (請先閲讀背面之注意事項再填寫本頁) 統7 ( 2 - 2 )。如此一來購買者1已閱讀電子帳單之事 通知提供者5，對於無支付意願的購買者1給予提供者5 爲了採取法律督促手續的法律根據。 當請求辦理購買者1帳戶的銀行系統1 3支付某電子 帳單時，從會計管理部2 9傳送針對該電子帳單支付請求 的通知至帳單管理部27 (6 - 9)。當帳單管理部27 收訊該支付請求通知，即把該電子帳單之狀態更新爲支付 請求中（2 - 3 )。帳單管理部2 7，從提供者系統7被 要求檢索該電子帳單時（或者，預先委託自動通知的情況 下’該電子帳單之狀態已更新爲支付請求中時），將該電 子帳單之狀態（亦即，支付請求中）通知提供者系統7 ( 2 - 4 )。 (3 )結帳帳單消帳處理 經濟部智慧財產局員工消費合作社印製 當提供者5接受某電子帳單之狀態變成支付請求中的 通知’對於銀行系統1 5，查詢在提供者5之存款帳戶關 於該帳單的請款金額是否已存入（3 一 i )(或者，從銀 行系統1 5自動通知提供者系統7存款的事實。）。依據 該查詢並不只將銀行系統1 5已確認之朝提供者5帳戶的 存款明細’從銀行系統1 5轉送至提供者系統7 ( 3 - 2 )’也轉送至帳單管理部27 (3 - 3)。當帳單管理部 2 7從銀行系統i 5收到存款明細，即特定對應於該存款 明細之電子帳單，經由該特定電子帳單之狀態更新爲已支 付’將該電子帳單從未結帳之帳單中自動消帳（3 一 4 ) 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -18- 528971 A7 -— —________B7 _ 五、發明説明（16 ) ’接著將該帳單之狀態（已支付）通知提供者系統7。依 據上述已支付之通知，提供者5可以簡單執行已結帳帳單 (請先閱讀背面之注意事項再填寫本頁) 的消帳，也可輕鬆掌握資金流動，而順利地移交至商品發 送等的結帳後動作。 曰曆伺服器2 5之會計管理部2 9所執行之處理中， 具有（4 )提存款明細自動貼附處理、（$ )帳單自動貼 附處理、（6 )帳單閱讀和支付請求通知處理、（7 )提 存忒明細自動分類處理、（8 )提存款預定自動設定處理 、（9 )結帳提存款預定自動消帳處理、（1 〇 )提存款 明細自動通知處理、（1 1 )帳戶電子帳簿處理。 (4 )提存款明細自動貼附處理 經濟部智慧財產局員工消費合作社印製 會計管理邰2 9收訊從銀行系統1 3透過電子銀行系 統2 1傳送來之購買者1帳戶的存款資訊（4 一 1 )，將 g亥存款資#1所包含之資料（交易日、請款金額、支付期限 、發行日、E D I資訊、及摘要等）登錄至會計管理部 2 9的資料庫（4 一 2 )。接著會計管理部2 9於購買者 系統3顯示各月或各週的日曆晝面（參照第3、4圖）時 ’將已登錄之提存款明細資料貼在該日曆畫面上（4 一 3 )。購買者從日曆晝面，可以掌握自己帳戶在各月或各週 存款的實際情況。 (5 )帳單自動貼附處理 會計管理部2 9，收訊從提供者系統7透過帳單管理 本紙張尺度適用中國國家標準（CNS ) A4規格（2丨〇><297公釐） -19- 528971 A7 B7 五、發明説明（17 ) (請先閲讀背面之注意事項再填寫本頁) 部2 7傳送來之電子帳單（1 - 1)，從該電子帳單取得 關於提存款預定之資料（交易日、請款金額、支付期限、 發行日、E D I資訊及摘要等），接著將該取得資料登錄 至會計管理部2 9的資料庫（5 - 1 )。再者，會計管理 部2 9將該電子帳單轉送至電子銀行系統2 1 ，並登錄至 電子銀行系統2 1 ( 5 - 4 )。接著，會計管理部2 9於 購買者系統3顯示各月或各週日曆畫面（參照第3、4圖 )時，將關於已登錄之電子帳單的提存款預定資料貼在該 曰曆晝面上（5 - 2)。購買者從該日曆畫面，可以掌握 在自己帳戶每月或每週的提存款預定。該日曆畫面（參照 第3、4圖）上，共同顯示關於根據電子帳單之提存款預 定資料，和關於根據上述提存款明細之存款實際情況資料 。因此，購買者可以總括性地管理各種帳單和對該帳單之 支付手續。 此外，當電子帳單到達會計管理部2 9 ( 5 - 1 )， 會計管理部2 9，即迅速地將該到達通知購買者系統3 ( 經濟部智慧財產局員工消費合作社印製 5 - 3 )。且會計管理部2 9將該電子帳單至電子銀行系 統2 1 ，電子銀行系統2 1登錄該電子帳單（5 - 4 )。 (6 )帳單閱讀和支付請求通知處理 當來自購買者系統3要求閱覽某電子帳單，會計管理 部2 9便將顯示登錄在電子銀行系統2 1之電子帳單的詳 細內容畫面（參照第7圖）傳送至購買者系統3 ( 6 — 1 )。據此，變成購買者已閱讀該電子帳單，然後會計管理 本紙張尺度適用中國國家標準（CNS ) A4規格（21〇χ297公釐） -20- 528971 經濟部智慧財產局員工消費合作社印製 A7 ___ B7_____五、發明説明（18 ) 部2 9將該閱讀以即時處理通知帳單管理部2 5 ( 6 - 2 )。該帳單之閱讀，如上所述，係由帳單管理部2 7通知 提供者系統7 ( 2 — 1、2 - 2 )。 再者，於購買者系統3由購買者承認某電子帳單（6 - 3)，爲支付該帳單之帳戶轉帳電文自動被產生（6-4 )，該帳戶轉帳電文被傳送至辦理購買者帳戶之銀行系 統1 3 ( 6 - 5 )。銀行系統1 3，接受該帳戶轉帳電文 執行帳戶轉帳處理（6 - 6 )，接著以該帳戶轉帳處理將 表示從購買者1帳戶提出請款金額之提款明細傳送至會計 管理部2 9 ( 6 - 7 )。會計管理部2 9將該提款明細登 錄至會計管理部2 9的資料庫中（6 - 8 )，並將針對該 帳單之支付請求的通知傳送至帳單管理部2 7 ( 6 - 9 ) 。該帳單之支付請求通知，如上所述，係從帳單管理部 2 7傳送至提供者系統7 ( 2 - 3、2 - 4 )。 上述所登錄之提款明細（6 - 8 )，依據上述的存款 資訊自動貼附處理，貼附在日曆畫面並顯示於購買者系統 3(5 — 2)。 (7 )提存放明細自動分類處理 會計管理部2 9從會計管理部2 9的資料庫中，讀取 過去1個月份或過去1週間的提存款明細，根據這些提存 款明細中所包含之任意項目（例如項目、摘要或E D I資 訊等），自動分類這些提存款明細，將所分類之提存款明 細顯不於購貝者系統3。 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閱讀背面之注意事項再填寫本頁) -21 - 528971 五、 發明説明（19 (8)提存款預定自動設定處理 會計管理部2 9使用以上述提存款 戶斤分類之提存款明細所包含之各種項目 額、項目、摘要以及E D I資訊等）， 月以後）的提存款預定（或者，伴隨購 自動地補全資訊）。接著會計管理部2 以後的提存款預定登錄至會計管理部2 月以後的日曆晝面於購買者系統3顯示 貼上該次月以後的提存款預定。據此， 扣款等每個月固定日期所執行之提存款 的實際情況，於日曆畫面上自動設定。 再者’也可靠購買者完全親手輸入 款預定。 明細自動分 (提存款曰 自動設定今 買者親手輸 9將所設定 9的資料庫 時，於該曰 如電費或電 預定，可根 類處理 期、金 後（次 入之半 之次月 中，次 曆畫面 話費的 據過去 設定將來的提存 (請先閲讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 (9 )結帳提存款預定自動消帳處理 當會計管理部2 9從銀行系統1 3或1 5透過電子銀 行系統2 1收訊提存款明細，由會計管理部2 9的資料庫 檢索對應於所收訊之提存款明細（存款日期、項目、摘要 以及E D I資訊等）的提存款預定（在上述帳單自動貼附 處理中根據帳單所登錄之提存款預定）。若找到所對應之 提存款預定，會計管理部2 9將該對應之提存款預定的狀 態更新爲已支付，自動消除該提存款預定。 本紙張尺度適用中國國家標準（CNS ) A4規格（210x297公釐） -22- 528971 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明説明（20 ) (1 0 )提存款明細自動通知處理 依據上述結帳提存款預定自動消帳處理執行提存款預 定消帳時，會計管理部2 9將該事項自動通知購買者系統 3。對應於提存款預定之提存款明細過了預定日期沒有傳 來’或者無預期之提存款明細（沒有對應任何提存款預定 的提存款明細）傳來時，會計管理部2 9也將該事項自動 通知購買者系統3。是否執行上述自動通知，以及在何種 提存款明細傳來時執行上述自動通知等的條件，購買者可 於購買者系統3所顯示之畫面上指定。 (1 1 )帳戶電子帳簿處理 會計管理部2 9從會計管理部2 9的資料庫讀取購買 者帳戶的提存款明細，將這些提存款明細依提存款日期順 序排列作成一覽顯示之帳戶電子帳簿畫面（參照第8圖） ，接著將該帳戶電子帳簿畫面傳送至購買者系統3並顯示 。在購買者系統3可以下載該帳戶電子帳簿畫面所定形式 之資料檔案，取回至會計申請程式。 以下，更具體地說明關於本實施形態之系統的機能及 動作。 第3圖係表示日曆伺服器2 5提供購買者系統3每月 的日曆畫面之一例。 如第3圖所顯示，日曆畫面區分爲副視窗3 5與主視 窗3 7。 在副視窗3 5中，係設定具備「朝本週」、「預定輸 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） .-----r---衣----Γ——、玎------Φ (請先閱讀背面之注意事項再填寫本頁) -23- 528971 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明説明（21 ) λ」、「月顯示」、「週顯示」、「日顯示」、「帳單列 表」以及「電子帳簿顯示」等各表單的表單領域3 5 a， 和執行關鍵字檢索時使用之檢索領域3 5 b，和顯示次月 曰曆晝面之領域35c ，和「回到本月」表單35d。 在主視窗3 7中，顯示排列購買者所指定月份之全部 曰期空間的日曆，在該日曆上，顯示從提供者系統7所發 行之給購買者1的帳單、從銀行系統1 3所傳送之購買者 1帳戶的提存款明細、以及從購買者1帳戶的過去提存款 實際情況自動產生之提存款預定的記號（圖示與文字列） 〇 在第3圖中，例如所謂的「C損害保險」、「X Y商 店」、「Z企業」之記號，係各表示從C損害保險來的帳 單、從XY商店來的帳單以及從Z企業來的帳單，該帳單 係貼於日曆伺服器所收訊之日期的空間上。「C損害保險 」以及「X Y商店」之記號前方的圖示（四角框內爲縱線 )，例如係表示尙未執行支付；「Z企業」之記號前方的 圖示（四角框內爲X )，例如係表示支付請求中或已支付 〇 此外，在第3圖中，所謂「轉帳」的記號，係表示對 某帳單（例如Z企業來的帳單）執行支付（帳戶轉帳）， 該圖示（四角框內爲負數）係代表提款。該記號係貼於執 行該支付（帳戶轉帳）的日期空間上。該「轉帳」記號中 ，還可加上追加記號以表示對應於哪個帳單。 再者，在第3圖中，例如「電費」、「水費」、「攜 本紙張尺度適用中國國家標準（CNS ) A4規格（21 Οχ 297公釐） — V--.---Γ---^裝----：---訂------ (請先閲讀背面之注意事項再填寫本頁) -24- 528971 經濟部智慧財產局員工消費合作社印製 五、發明説明（22 帶電話服務費」、 各表示支付該費用 這些記號的圖示（ 第3圖中，例如所 g己號，係各表示支 用卡利用借款以及 際情況。這些提款 的預定日期或執行 款實際情況記號之 的意思。亦可以圖 提款預定與提款實 此外，在第3 入薪水的存款預定 或存款實際情況記 存款的意思。該存 或執行該存款曰期 或形狀等不同，區 第4圖，係表 畫面之一例。 第4圖所顯示 3圖所顯示之每月 」及/或「週顯示 曆畫面的主視窗3 該日曆之各日期空 A7 B7 「電話費」以及「瓦斯費」之記號，係 的提款預定或已支付的提款實際情況。 四角框內爲負數），係代表提款。又在 謂的「X X信用卡」以及「〇〇貸款」 付X X信用卡公司以及〇〇貸款公司信 貸款償還的提款預定或已支付的提款實 預定或提款明細記號，係貼於執行提款 提款日期的空間上。這些提款預定或提 圖示（四角框內爲負數），係代表提款 示或文字列的顏色或形狀等不同，區別 際情況。 圖中，所謂的「薪資」記號，係表示存 或已存款的存款實際情況。該存款預定 號之圖示（四角框內爲正數），係表示 示人日Ξ 5虎’係貼於執fj該存款之預定日期 的空間上。亦可以圖示或文字列的顏色 別存款預定與存款實際情況。 示於購買者系統3所顯示之每週的日曆 之每週日曆畫面，係以指標裝置按下第 日曆畫面表單領域3 5 a中的「往本週 」而顯示。如第4圖所顯示，在每週日 7中，顯示購買者所指定之週的日曆， 間，具有星期/日期空間3 7 a與提存 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） --r--^---^----0-¾衣----^--1T-----•線 (請先閲讀背面之注意事項再填寫本頁) -25- 528971 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明説明（23 ) 示欠預定·實際情況空間3 7 b。各日期之提存款預定•實 際情況空間3 7 b中，係顯示在該日期所收訊之帳單、代 表在該日期所執行之預定的提存款預定或在該日期所執行 之提存款實際情況的圖示。 第5圖係表示於購買者系統3所顯示之每日的日曆晝 面之一例。 第5圖所顯示之每日的日曆晝面，係以指標裝置按下 第3圖或第4圖所顯示之日曆畫面表單領域3 5 a中的「 曰表示」表單而顯示。如第5圖所顯示，每日之日曆畫面 的主視窗3 7中，係顯示於購買者所指定日期所執行之提 存款明細，和於該日所收訊之帳單槪要。針對所顯示之帳 單’購買者按下「明細」按鈕，即顯示該帳單之詳細內容 ，由此表爲購買者已閱讀帳單，日曆伺服器2 5管理之帳 單狀態更新爲已閱讀。針對顯示之帳單（只限未結帳之帳 單），購買者按下「支付」按鈕，即購買者承認該帳單， 而自動產生爲支付該帳單之轉帳帳戶電文傳送至銀行系統 1 3，自動執行轉帳帳戶處理。 桌6圖係表不於購買者系統3所顯示之帳單列表畫面 之一例。 第6圖所顯示之帳單列表畫面，係以指標裝置按下第 3、4或5圖所顯示之畫面表單領域3 5 a中的「帳單列 表」表單而顯示。如第6圖所顯示，帳單列表畫面之主視 窗3 7中，係顯示於購買者所指定月份所收訊之全部的帳 單槪要列表。針對所顯示之帳單，購買者按下「明細」按 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） --—--------0-批衣----τ--、玎-----Am (請先閲讀背面之注意事項再填寫本頁) -26- 528971 A7 B7 五、發明説明（24 ) (請先閱讀背面之注意事項再填寫本頁) 鈕，即顯示該帳單之詳細內容，由此表爲購買者已閱讀帳 單，日曆伺服器2 5所管理之該帳單狀態更新爲已閱讀。 針對顯示之帳單（只限未結帳之帳單），購買者按下「支 付」按鈕，即購買者已承認該帳單，而自動產生爲支付該 帳單之轉帳電文傳送至銀行系統1 3，自動執行帳戶轉帳 處理。 第7圖，係表示於購買者系統3所顯示之帳單明細晝 面之一例。 第7圖所顯示之帳單明細畫面，係在第5圖或第6圖 所顯不之畫面中’針對某帳單以指標裝置按下「明細」按 鈕而顯示。在該畫面中顯示帳單之詳細資訊。當該帳單明 細畫面一顯示，即購買者已閱讀該帳單，日曆伺服器2 5 所管理之該帳單狀態更新爲已閱讀。針對顯示之帳單（只 限未結帳的帳單），購買者按下「支付」按鈕4 4 9，即 購買者承認該帳單，而自動產生爲支付該帳單之帳戶轉帳 電文傳送至銀行系統1 3，自動執行帳戶轉帳處理。 經濟部智慧財產局員工消費合作社印製 第8圖係表示於購買者系統3所顯示之帳戶電子帳簿 晝面之一例。 第8圖所顯示之電子帳簿畫面，係以指標裝置按下第 3圖至第6圖所顯示之畫面表單領域3 5 a中的「電子帳 簿顯示」表單而顯示。如第8圖所顯示，電子帳簿畫面中 ，於購買者所指定之期間所執行之購買者存款帳戶的提存 款明細（提存款日期、項目、支付金額、存款金額、結存 餘額、備註等），依存款日期順序排列顯示。簡而言之， 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） -27- 528971 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明説明（25 ) 係顯示與存款帳簿之相同記載內容。在備註欄6 3中，預 先設定之對應提存款預定和實際提存款情況不同時，顯示 該差異。例如，在第8圖的例子中，針對攜帶電話費預定 與實際情況之間的金額有差異，而顯示「預定金額差異」 。按下「預定金額差異」，即開啓視框6 5，顯示針對該 差異之更詳細的說明。 第9圖係表示於購買者系統3所顯示之提存款預設晝 面之一例。 第9圖中所顯示之提存款預設畫面，係以指標裝置按 下第3圖至第6圖所顯示之畫面表單領域3 5 a中的「預 定輸入」表單，接著購買者從日曆伺服器2 5基於過去提 存款明細自動作成之提存款預定中選擇任意項目（或選擇 新預定）而顯示。第9圖所顯示之提存款預設畫面，係已 選擇自動設定之攜帶電話費的提款預定的例子。於第9圖 所顯示之提存預設畫面中，日曆伺服器2 5由過去的攜帶 電話費之提款實際情況自動設定之提款預定資料自動顯示 於項目名3 9、交易種類4 1、項目分組4 3、交易日（ 種類提款預定日）4 5、金額4 7等欄中。購買者可以以 手動變更這些自動設定事項。 在自動通知4 9的欄中，關於在該畫面所設定之提存 款預定若希望執行從日曆伺服器2 5自動通知購買者系統 3時，購買者可以設定爲執行該自動通知的條件。亦即， 若事先通知4 9 a欄中選擇「是」’且選擇「當天」、「 前天」或「2天前」，即於該提存款預定之交易日的當天 本紙張尺度適用中國國家標準（CNS ) Α4規格（210X 297公釐） ^---=--------^---訂------ (請先閱讀背面之注意事項存填寫本頁) -28- 528971 A7 ____ B7 五、發明説明（26 ) (請先閲讀背面之注意事項再填寫本頁) 、前天或2天前，執行從日曆伺服器2 5至購實者系統3 針對該提存款預定之自動通知。再者，若在事後通知4 9 b欄中，選擇「是」，且選擇「預定交易成立」之「金額 一致時通知」或「金額不一致時通知」，對應於該提存款 預定之存款資訊從銀行系統1 3被傳送來時，該金額與預 定一致時或不一致時，執行從日曆伺服器2 5至購買者系 統3針對該金額之一致或不一致的自動通知。（金額不一 致時’如第8圖所顯示，電子帳簿畫面中也顯示該主旨。 )此外，若在事後通知4 9 b欄中，選擇「是」，且選擇 「預定交易不成立」之「顯示提存款明細金額與現在的餘 額」或者「通知預定交易」，對應於該提存款預定之存款 金額因購買者帳戶餘額不足等原因而無法實行時，執行從 曰曆伺服器2 5至購買者系統3所選擇事項之自動通知。 又，在事後通知欄4 9 b中，若選擇「是」，且選擇「無 預定之交易存在時通知」，沒有對應任何提存款預定之存 款金額資訊從銀行系統被傳送來時，執行從日曆伺服器 2 5至購買者系統3針對該提存款明細之自動通知。 經濟部智慧財產局員工消費合作社印製 第1 0圖係表示日曆伺服器2 5提供提供者系統7帳 單列表畫面之一例。 提供者系統7指定發行期間或狀態要請求日曆伺服器 2 5檢索電子帳單，日曆伺服器2 5即從日曆伺服器2 5 所管理之來自提供者系統7之電子帳單中，檢索所指定發 行期間內輸入發行日且現在爲指定狀態之帳單，將如第 1 0圖所示之一覽顯示的帳單列表畫面傳送至提供者系統 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -29 - 528971 A7 B7 五、發明説明（27 ) (請先閱讀背面之注意事項再填寫本頁) 7並顯示。第1 〇圖所顯示之帳單列表畫面中，顯示各電 子帳單之顧客名、帳單號碼、顧客帳戶號碼、請款金額、 狀態、狀態更新時間、支付期限、詢問號碼、E D I識別 資訊等。提供者可以知道各電子帳單的最新狀態（已通知 、已閱讀、支付請求中、或已支付請求等）。在該畫面上 ’提供者於各帳單（只限沒有成爲已支付請求之狀態的帳 單）的取消視框4 1輸入確認記號，以指標裝置按下「取 消處理」按鈕4 2，日曆伺服器2 4即取消該帳單。 第1 1圖係表示日曆伺服器2 5提供銀行系統1 3或 1 5帳單列表畫面之一例。 經濟部智慧財產局員工消費合作社印製 銀行系統1 3或1 5指定發行期間或狀態請求日曆伺 服器2 5檢索電子帳單，日曆伺服器2 5即檢索將該銀行 系統1 3或1 5辦理之存款帳戶指定爲存款目的帳戶之電 子帳單，於指定發行期間內輸入發行日且現在爲指定狀態 的電子帳單，將如第1 1圖所示之一覽顯示的帳單列表畫 面傳送至銀行系統1 3或1 5並顯示。第1 1圖所顯示之 帳單列表畫面中，顯示各電子帳單的請款企業（提供者） 名、企業碼、顧客（購買者）名、顧客帳戶、請款金額、 狀態、發行日、以及請款（支付）期限等。金融機關可以 知道各電子帳單的最新狀態（已通知、已閱讀、支付請求 中、或已支付等）。 第1 2圖係表示關於該實施形態之系統的整體槪略處 理流程。 在第1 2圖中，來自銀行系統1 3之提存款明細傳送 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -30- 528971 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明説明（28 ) 至曰曆伺服器2 5，登錄在日曆伺服器2 5的資料庫中（ 步驟S 7 1 )。接著，日曆伺服器2 5收訊來自購買者系 統3之關於帳戶交易內容的查詢請求，將貼有到目前爲止 所收訊之提存款明細及帳單的日曆畫面（參照第3、4圖 )傳送至日曆伺服器2 5使顯示，並接受朝該日曆畫面之 購買者系統3的存取（步驟S 7 2 )。 來自提供者系統7之對購買者1的帳單，係透過通信 網路傳送至日曆伺服器2 5。日曆伺服器2 5，從帳單取 得提存款預定之資料將該提存款預定資料登錄至資料庫（ 步驟S 7 3 )，再將該帳單轉送至電子銀行系統。日曆伺 服器2 5，將從提供者系統7發訊帳單之主旨通知購買者 系統3 (步驟S 7 4 )。 當從購買者系統3發訊關於特定帳單內容查詢的要求 C步驟S 7 5 ) ’日曆何服挤2 5即將顯不登錄在電子銀 行系統之帳單詳細內容的帳單明細畫面傳送至購買者系統 3使顯示。此表示購買者1閱讀帳單的意思。日曆伺服器 2 5對於提供者系統7，通知該帳單已由購買者1閱讀之 主旨（步驟S 7 6 )。 其次’當購買者於購買者系統3之顯示晝面上承認該 帳單，即自動產生對於該帳單之支付請求電文並透過電子 銀行系統傳送至銀行系統1 3，要求銀行系統1 3從購買 者1之帳戶朝提供者5之帳戶的請款金額轉帳手續。據此 ，透過銀行系統1 3、1 5間的銀行間結帳系統1 7實施 帳戶轉帳手續（步驟S 7 7 )。然後從銀行系統1 3對日 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） 裝 ： 訂 (請先閲讀背面之注意事項再填寫本頁) -31 - 經濟部智慧財產局員工消費合作社印製 528971 A7 ____ B7 五、發明説明（29 ) '~ ~ ' 曆伺服器2 5發訊提款明細（步騾s 7 8 )，根據此步驟 ’從日曆伺服器2 5對提供者系統7，發訊支付請求通知 (步驟S 7 9 )。 接著當關於提供者帳戶之提存款明細的查詢從提供者 系統7發訊至銀行系統1 5，銀行系統1 5即將提供者帳 戶之提存款明細，發訊至提供者系統7及日曆伺服器2 5 (步驟S 8 0 )。當收訊這些提存款明細，提供者系統7 以及日曆伺服器2 5 ’各自如上述般，根據所收訊之提存 款明細，執行已結帳之帳單的消帳（步驟s 8 1 )。 第1 3圖係表不日曆伺服器2 5執行上述（7 )提存 款明細自動分類處理、（8 )提存款預定自動設定處理、 (9 )提存款預定自動消帳處理、（1 〇 )提存款明細自 動通知及（1 1 )帳戶電子帳簿處理的槪略流程。 在第1 3圖中，從購買者系統3要求提存明細的自動 分類，日曆伺服器2 5即從資料庫抽出購買者的過去提存 款明細並分類（步驟S 8 2 )，根據分類結果決定將來的 提存款預定，這些提存款預定於下個月以後的日曆畫面上 自動展現（步驟S 8 3 )。接著，從銀行系統1 3，發訊 購買者帳戶的提存款明細（步驟S 8 4 )，日曆伺服器 2 5即從資料庫找出對應於所收訊之提存款明細的提存款 預定，取消所發現之提存款預定（步驟S 8 5 )，同時自 動通知購買者系統3 (步驟S 8 6 )。 再者，當收訊來自購買者系統之電子帳簿顯示的要求 ，日曆伺服器2 5即從資料庫讀出購買者帳戶之提存款明 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） --.--------0-¾衣----Ί--、玎------0 (請先閱讀背面之注意事項再填寫本頁) -32- 528971 A7 B7 五、發明説明（30 細（步驟S 8 7 8圖），並將該 訊來自購買者系 S 8 9 )，日曆 提存款明細，將 3 (步驟S 9 0 第1 4圖係 一部份，日曆伺 ) 知這些冗載於電子帳簿晝面（參照第 畫面傳送至購買者系統3使顯示。又當收 統3之提存款明細下載的要求（步驟 伺服器2 5即從資料庫讀出購買者帳戶之 @些以所定形式之檔案傳送至購買者系統 )° 表示於第1 3圖中所顯示之整體處理中的 服器2 5執行（4 )提存款明細自動貼附 經濟部智慧財產局員工消費合作社印製 處理的 在 戶的提 (步驟 曰曆畫 或週的 畫面上 1 5圖 面上。 、4圖 第 部份， )帳單 在 單，日 在資料 流程。 第1 4圖 存款明細 S 9 1 ) 面顯示要 提存款明 (步驟S 所顯示， )然後， )發訊至 1 5圖係 曰曆伺服 自動貼附 第1 5圖 曆伺服器 庫（步驟 中，當 ，日曆 。接著 求（步 細（步 9 4) 也將該 日曆伺 購買者 表示於 器2 5 處理的 中，當 2 5即 S 9 6 收訊來自 伺服器2 當從購買 驟S 9 2 驟S 9 3 。（更者 月或週所 服器2 5 系統3並 第1 3圖 執行（1 流程。 從提供者 從該帳單 )。接著 銀行系統1 3之購買者帳 5即將此保存在資料庫中 者系統3收訊某月或週的 )’即從資料庫讀出該月 )，貼在該月或週的曰曆 ，日曆伺服器2 5如第 收訊之帳單貼在該日曆晝 將該日曆畫面（參照第3 顯示（步驟S 9 5 )。 所顯示之整體處理中的一 )帳單登錄處理以及（5 系統7收訊給購買者的帳 取得提存款預定資料保存 ，日曆伺服器2 5將已收 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） 裝 ^ 訂 (請先閲讀背面之注意事項再填寫本頁) •33- 經濟部智慧財產局員工消費合作社印製 528971 A7 B7 五、發明説明（31 ) _該帳單之主旨通知購買者系統3 (步驟s 9 7 )。 當從購買者系統3收訊某月或週的日曆顯示要求（步 W S 9 8 )，日曆伺服器2 5即根據在該月或週所收訊之 ®單從資料庫讀出提存款預定（步驟S 9 9 )，貼在該月 或週的日曆畫面上（步驟Sl〇〇)。（更者，日曆伺服 ^ 2 5如第1 4圖所顯示，也將該月或週的提存款明細貼 日曆畫面上。）然後，日曆伺服器2 5將該日曆畫面 (第3、4圖）發訊至購買者系統3並顯示（步驟 s 1 0 1 ) ° 第1 6圖係表示於第1 3圖中所顯示之整體處理中的 一部份，日曆伺服器2 5執行（2 )以及（6 )帳單閱讀 和支付請求通知處理，及（3 )結帳帳單消帳處理之流程 〇 在第1 6圖中，當從提供者系統7收訊給購買者的帳 單’日曆伺服器2 5即從該帳單取得提存款預定資料保存 在資料庫（步驟S 1 〇 2 )。又日曆伺服器2 5將該帳單 轉送至電子銀行系統（步驟S 1 〇 2 — 2 )。接著，日曆 伺服器2 5將已收訊該帳單之主旨的通知傳送給購買者系 統3 (步驟S 1 〇 3 )。在該通知中，包含存款帳戶資訊 、金額資訊、E D I資訊等。 當從購買者系統要求確認帳單內容，電子銀行系統即 將所保存之帳單的詳細內容傳送至購買者系統3並顯示， 接著日曆伺服器接收該帳單之內容確認通知（步驟 S 1 0 4 )。於是日曆伺服器2 5對於提供者系統7，傳 本紙張尺度適用中國國家標準（CNS )八4規格（2ΐ〇χ297公釐） --r---.----0·^----Γ--IT----- (請先閲讀背面之注意事項再填寫本頁) -34- 528971 經濟部智慧財產局員工消費合作社印製 Α7 Β7 五、發明説明（32 ) 送帳單的閱讀通知（步驟s 1 0 5 )。 此外’當購買者1將帳單承認輸入購買者系統3，從 購買者系統3朝銀行系統1 3發訊支付（帳戶轉帳）電文 (步驟S 1 0 6 )，銀行系統1 3使用銀行間結帳系統 1 7執行從購買者帳戶朝提供者帳戶的轉帳處理（步驟 S107)(再者，步驟Sl〇6及S107的處理亦可 介由日曆伺服器2 5執行）。銀行系統1 3將於該帳戶轉 帳之購買者帳戶的提款明細發訊至日曆伺服器2 5 (步驟 S 1 0 8 )。日曆伺服器2 5收訊該提款明細，將該帳單 狀態更新爲支付請求中，並將此事通知提供者系統7和購 貝者系統3 C在購買者系統3，日曆畫面上該帳單的記號 附加表不支付請求中的圖示）（步驟S 1〇 9)。 虽從提供者系統7對於銀行系統1 5要求關於某帳單 支付之朝提供者帳戶的存款明細確認，銀行系統1 5即將 該存款明細傳送至提供者系統7以及日曆伺服器2 5 (步 驟S 1 1 〇 )。於是，根據來自該銀行系統1 5的存款明 細，日曆伺服器2 5將該已結帳之帳單消帳（步驟 S 1 1 1 )，提供者系統7也將該已結帳之帳單消帳（步 驟 S 1 1 2 )。 第1 7圖係表示於第1 4圖中所顯示之處理中的一部 份，日曆伺服器2 5執行（7 )提存款明細自動分類處理 以及（8 )提存款預定自動設定處理的流程。 在第1 7圖中，當從購買者3收訊購買者所指定之過 去期間（1個月份或數個月份）的提存款明細的自動分類 本ΐ氏張尺度適用中國國家標準（CNS ) A4規格（2ΐ〇χ297公董） "~~ -35- ~批衣 ： 訂 線 (請先閲讀背面之注意事項再填寫本頁) 528971 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明説明（33 ) 要求，日曆伺服器2 5即將資料庫中購買者帳戶之上述所 指定過去期間的提存款明細，根據項目、交易種類及交易 日等項目分類，根據所分類之提存款明細決定將來的提存 款預定，針對各提存款預定如第9圖所顯示產生提存款預 設畫面（步驟S 1 3 1 )，接著將該提存款預設畫面傳送 至購買者系統3並顯示（步驟S 1 3 1 — 2 )。 購買者在該提存款預設畫面上，因應必要，變更提存 款預定內容，或者因應必要執行自動通知之設定（步驟 S 1 3 1 — 3 )，然後，依據購買者將確定之提存款預定 從購買者系統3傳送至日曆伺服器2 5 (步驟S 1 3 1 — 4 ) 〇 曰曆伺服器2 5，將確定之提存款預定各自貼在當月 及次月的日曆畫面上（第3、4圖）（步驟S132)。 曰曆伺服器2 5，將該當月或次月的日曆畫面發訊至購買 者系統3 (步驟S 1 3 3 )。 第1 8圖係表示於第1 4圖中所顯示之處理中的一部 份’日曆伺服器2 5執行（9 )提存款預定消帳處理以及 (1 0 )提存款明細自動通知處理之流程。 在第1 8圖中，當收訊來自銀行系統之購買者帳戶的 提存款明細，日曆伺服器2 5將此保存在資料庫中（步驟 5 1 3 4 )。接著日曆伺服器2 5，從資料庫找出對應於 所收訊之提存款明細的提存款預定，取消所發現之對應提 存款預定’同時將對應於該提存款預定之帳單狀態更新爲 支付請求中（步驟S 1 3 5 )。然後，日曆伺服器2 5將 I紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） ^ ^ ^---1T------ (請先閱讀背面之注意事項再填寫本頁) -36- 經濟部智慧財產局員工消費合作社印製 528971 A7 — B7 五、發明説明（34 ) 步驟s 1 3 5的結果自動通知購買者系統3 (步驟 s 1 3 6 ) 〇 桌1 9圖係表不於第1 4圖中所顯示之處理中的一部 份’日曆伺服器2 5執行（1 1 )帳戶電子帳簿處理的流 程。 在第1 9圖中，當購買者1從購買者系統3對日曆伺 服器2 5，執行帳戶電子帳簿顯示的要求（步驟s 2 2 1 )’日曆伺服器2 5即從資料庫讀出購買者帳戶的提存款 明細（步驟S 2 2 2 )，這些提存款明細如第8圖所顯示 般依日期順序記載於電子帳簿畫面，並將該電子帳簿畫面 發訊至購買者系統3 (步驟S 2 2 3 )。 再者，當收訊來自購買者系統3之提存款明細的下載 要求（步驟S 2 2 4 )，日曆伺服器2 5即從資料庫讀出 購買者帳戶的提存款明細資訊以所定形式之檔案下載至購 買者系統3 (步驟S 2 2 5 )。當收訊該提存款明細檔案 ’購買者系統3即可將該提存款明細檔案，取回至購買者 系統3內的家計簿應用軟體等（步驟S 2 2 6 )。 以上，說明關於本實施形態之系統的動作。上述動作 ，不論提供者爲任何公司或政府機關，基本上都可適用。 但是，提供者爲證券公司、貸款公司或租賃公司等時，亦 可執行如後所敘與上述若干不同的動作。 第2 0圖係表示提供者爲證券公司時，該實施形態之 系統可執行之其他整體動作的槪略流程。 在第2 0圖中，當從購買者對於提供者（證券公司） 本紙張尺度適用中國國家標準（CNS ) Α4規格（210 X 297公釐） ------.---.----φ-壯衣----：---1Τ-----•線 (請先閱讀背面之注意事項再填寫本頁) -37- 528971 A7 B7 五、發明説明（35 ) (請先閲讀背面之注意事項再填寫本頁) 系統7輸入股票或公債等證券的買賣訂單（直接或透過曰 曆伺服器2 5 )，日曆伺服器2 5即從證券公司系統7收 訊關於該證券買賣之帳單，將根據該帳單之提存款預定資 料保存在資料庫中（步驟S 1 3 7 )。此外，日曆伺服器 2 5將該帳單登錄至電子銀行系統。接著，日曆伺服器 2 5通知購買者系統3該帳單的內容（步驟S 1 3 8 )。 當收訊來自購買者系統3之確認了解該帳單內容之主旨的 通知’日曆伺服器2 5對於銀行系統1 3，傳送從購買者 帳戶朝證券公司帳戶之請款金額的轉帳請求電文（步驟 S 1 3 9 )，同時，將購買者1已閱讀帳單之主旨的通知 發訊至證券公司系統7 (步驟S 1 4 1 )。 接受上述轉帳請求電文，銀行系統1 3使用銀行間結 帳系統1 7，執行上述轉帳處理（步驟s 1 40)。再者 ，接受上述閱讀通知，證券公司系統7將來自購買者的證 券買賣訂單提出至證券市場。 經濟部智慧財產局員工消費合作社印製 購買者提出訂單到該訂單提出至證券市場爲止之上述 處理，由於是以電子方式在即短時間執行，因此不會有因 市場變動而使購買者錯失證券買賣機會的疑慮。上述轉帳 處理一被執行，銀行系統1 3對日曆伺服器2 5，發訊因 該轉帳之購買者帳戶的提款明細，日曆伺服器2 5對證券 公司系統7發訊針對該帳單之支付請求通知。 之後，從證券公司系統對銀行系統1 5針對該帳單執 行存款明細的查詢請求（步驟S 1 4 2 )，銀行系統1 5 發送該存款明細至日曆伺服器2 5及證券公司系統7，日 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -38 - 528971 A7 B7 五、發明説明（36 ) 曆伺服器2 5與證券公司系統7根據該存款明細取消該帳 單（步驟S 1 4 3 )。 第2 1圖係表示提供者爲貸款公司時，該實施形態之 系統可執行之再其他整體動作的槪略流程。 在第2 1圖中，當收訊從購買者透過購買者系統3針 對購買者的貸款查詢（步驟S 1 6 7 )，日曆伺服器2 5 即將貸款金額或償還預定等貸款交易明細發訊至購買者系 統（步驟S 1 6 8 )。 此外，日曆伺服器2 5收訊來自提供者（貸款公司） 系統7關於貸款償還之帳單，並保存（步驟s 1 6 9 )， 將該帳單到達之主旨通知購買者系統3 (步驟S 1 7 0 ) 。當購買者在購買者系統3上確認帳單內容，日曆伺服器 2 5即從購買者系統3收訊該帳單內容的確認與承認通知 (步驟S 1 7 1 )。於是，日曆伺服器2 5對銀行系統 1 3，發訊從購買者帳戶朝貸款公司帳戶之償還金額的轉 帳請求電文（步驟S 1 7 2 )，又將購買者已閱讀帳單之 主曰的通知發訊至貸款公司系統7 (步驟S 1 7 4 )。 當收訊上述轉帳請求電文，銀行系統1 3使用銀行間 結帳系統1 7執行上述轉帳處理（步驟s 1 7 3 )。轉帳 處理一被執行，銀行系統1 3對日曆伺服器2 5，發訊因 該轉帳之購買者帳戶的提款明細，對此應答，日曆伺服器 2 5對貸款公司系統7，發訊支付請求通知。 其後’從貸款公司系統7對銀行系統1 5針對該帳單 執行存款明細的查詢請求（步驟S 1 7 5 )，銀行系統 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐）528971 A7 __B7 V. Description of the invention (, [Technical field to which the invention belongs] The present invention relates to the processing of information about the settlement, commercial or non-commercial advertising of commercial or non-commercial transactions, and the parties using these transactions Technology for communication between computer systems and computers in banks or banks, etc., and automatic implementation. [Knowledge technology] Computer systems for suppliers (companies or public institutions) that provide goods or services, and purchasers of goods or services (Individual or legal person) computer systems obtain electronic information through communication networks, thereby enabling information management of various transactions performed between the provider and purchaser, or the settlement of these transactions (such as goods Or service loan payment, utility fee payment, tax payment, etc.) automatic implementation of a practical system. According to the known technology, the bill (information) from the provider is known to the purchaser and the buyer should pay Period, and withdrawal of deposits in the buyer's bank account as an automated means of collective and automatic management. Buyers are provided. For this reason, the buyers themselves must remember and organize in order not to omit such information. In addition, the behavior of sending transaction details or bills by e-mail from buyers to buyers is widely implemented. For example, from various electronic bills sent by many people, it is very troublesome to find out the specific transaction details or bills. And according to the conventional technology, the buyer has a problem with the bills. Perform recognition and automatically pay money to the provider from the buyer's bank account. A bill like this acknowledges that this paper size applies the Chinese National Standard (CNS) A4 specification (210X297 mm) (Please read the precautions on the back before filling in this Page) ▼ Binding and ordering Printed by the Intellectual Property Bureau's Consumer Cooperatives of the Ministry of Economic Affairs 4-528971 Α7 Β7 V. Description of the Invention (2) There is no real-time processing or linkage at the appropriate time between the billing and processing rooms. (Please first Read the notes on the back and fill in this page) On the other hand, for the provider, according to the conventional technology, whether the buyer sees the bill, the buyer should pay the period , Whether the buyer acknowledges the contents of the bill, whether the buyer paid, and the period that has been paid, etc., there is no automatic means of real-time processing or automatic confirmation at the appropriate time. For this reason, the provider has information to manage and organize various transactions. The flow of funds must divide a lot of labor. Furthermore, the provider sends commercial or non-commercial advertisements to an unspecified majority of purchases through the media of newspapers or magazines, leaflets in trams or stations, advertising letters, and web pages. However, the proportion of buyers who are interested in this advertisement is not high. Therefore, although the advertisement costs a lot of money, it is difficult to achieve a good effect. [Invention Revealed] Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs The purpose of the invention is that the purchaser can comprehensively manage various commercial transactions performed by the purchaser and the settlement of these transactions on the purchaser's computer system GUI (graphical user interface) screen. Another object of the present invention is for the purchaser to perform recognition on the purchaser's computer system GUI screen for the bill sent from the provider to process it immediately or automatically execute the settlement of the bill at an appropriate time. Yet another object of the present invention is that the provider can provide information about various commercial transactions performed by the provider and the settlement of these transactions, etc. 'in providing this paper size applicable to China National Standard (CNS) M specifications (210X 297 public) 5%) -5-528971 A7 B7 V. Inventor (3) 's computer system GUI screen for comprehensive management, and can easily grasp the flow of funds. (Please read the notes on the back before filling this page.) The present invention has another purpose, that is, the financial institution that handles the bank account of the provider or purchaser 'will settle all kinds of commercial transactions performed by the provider or purchaser. All information is managed collectively on the GUI screen of the computer system of the financial institution, and the settlement process can be easily managed. Yet another object of the present invention is to provide commercial or non-commercial advertisements to a buyer ' to select the appropriate time when the buyer may have a high interest in the advertisement. The method for managing purchaser transactions and settlement according to the first object of the present invention includes the steps of: receiving from the provider system, receiving electronic bills for the buyer, and receiving from the bank system, electronic information about the buyer's funds. Steps for detailing deposit details, and steps for printing and preparing the GU I screen for displaying the calendar with the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs, and pasting the above-mentioned electronic bill from the provider system to the above-mentioned GU I day calendar The token, and the step of indicating the above-mentioned electronic withdrawal details from the banking system. The computer system for managing purchaser transactions and settlement according to the second object of the present invention includes: a computer program that executes from the provider system, and processes the electronic bill receiving and receiving process for the purchaser; Electronic deposit and withdrawal statement of funds The paper size applies to the Chinese National Standard (CNS) A4 specification (210X297 mm) -6-528971 A7 __ B7 V. Description of the invention (4) Computer program for detailed information processing, and (Please read first Note on the back, fill in this page again.) Run the computer program that prepares the GUI screen for displaying the calendar. In the above GUI screen, execute the above-mentioned electronic bill mark from the provider system, and from the above bank. The computer program of the system for processing the above-mentioned electronic deposit and withdrawal details marks and the above-mentioned GUI screen of the above-mentioned calendar on which the above-mentioned bills and the withdrawal details are displayed will execute a computer program for sending processing to the buyer's system. The method for providing purchaser information according to the third object of the present invention includes: a step of preparing a buyer with a date to act, a step of receiving a message from a provider system, and selecting a message from the received message. The steps of preparing the purchaser's actions related to the message, and printing with the employee's consumer cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs to determine the notification date of the above-mentioned selected message based on the buyer's action date associated with the above-selected message, and The steps of preparing the GU I screen for displaying the calendar, the steps of pasting the selected message mark indicating the above-mentioned notification date space of the GUI day calendar, and the displaying of the calendar pasted with the selected message mark as above The above-mentioned GUI screen is provided in the steps of the buyer system. The computer system for providing buyer information according to the fourth objective of the present invention is: ^ Paper size applies Chinese National Standard (CNS) A4 specification (210X297 mm) ~~~-528971 A7-^ B7 V. Description of the invention (5) Executing a computer program that prepares the buyer to act with a date, and (Please read the precautions on the back before filling this page) A computer program that processes the message from the provider system, and from the receiver Among the messages, the computer program that executes the processing of selecting the message associated with the prepared purchaser's actions, and the processing of determining the notification date of the selected message based on the buyer's acting date associated with the selected message A computer program, a computer program for preparing a GUI screen for displaying a calendar, a computer program for displaying the selected message mark, a computer program for performing affixing processing on the above notification date space on the GUI screen calendar, and displaying and pasting the above The above-mentioned GUI screen of the above-mentioned calendar of the selected message mark, a computer program that executes a process of sending a message to the buyer systemIn the present invention, the so-called "bill" does not only refer to the bill, but also includes books that are not bills but can read the contents of the payment, such as the amount of the payment, such as transaction details, payment details, or delivery details. . The amount requested can be positive (the buyer pays money) or negative (the buyer gets money). Printed by the Consumers' Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs In the present invention, the so-called "details of deposit withdrawal" refers to the facts about the account deposit or withdrawal and the books that can read the amount. In the present invention, the so-called "purchaser" does not only refer to the main body that purchases goods or services, but also includes the main body that automatically performs certain economic behaviors along with the movement of money, and the broad target of those who accept the economic behaviors from other companies which performed. In the present invention, the so-called "provider" does not only mean that the size of the paper provided by the product applies to the Chinese National Standard (CNS) A4 (210X 297 mm) -8-528971 A7 B7 V. Description of the invention (6) ( (Please read the notes on the back before filling out this page) or the entity that provides services to the "buyer", and also includes the entity that automatically performs certain economic actions on the "buyer" with the movement of money, and accepts the economy from the "buyer" The broad manifestation of the object of action. In the present invention, the so-called "bank" refers not only to banks, but also to the broad manifestation of an organization that is not a bank but can handle the movement of funds from providers or purchasers. For example, the "bank" in the present invention is sometimes referred to as a securities company or a post office. [Best Mode for Implementing the Invention] FIG. 1 is a block diagram showing the overall configuration of a transaction and settlement management system according to an embodiment of the present invention. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs, as shown in Figure 1, is a buyer's system 3 with a computer system used by a purchaser (individual or legal person) 1 who purchases goods or services, and the provision of goods or services. Provider system 7 of the computer system used by the public (private business, public institution, etc.) 5 In addition, there are banking systems 1 3 of the computer system used by the financial institution 9 which handles the deposit account of the purchaser 1 and banking systems 15 of the computer system used by the financial institution 11 which handles the deposit account of the provider 5. The banking systems 1 3 and 15 can perform communication such as fund flow (account transfer) between the deposit account of the purchaser 1 and the deposit account of the provider 5 through the inter-bank settlement system 17. The buyer system 3 and the provider system 7 can communicate with the banking systems 1 3 and 15 through an electronic banking system such as an online bank. Furthermore, as shown in FIG. 1, there is a server system 25 operated by a checkout management company 19. Assignment of the server system 2 5 This paper size applies the Chinese National Standard (CNS) M specification (21 × 297 mm) -9-528971 A7 B7 V. Description of the invention (7) The service is automatically managed and processed by the buyer Commercial or non-commercial transactions performed between 1 and Provider 5 and settlement of those transactions. The server system 25 can communicate with the purchaser system 1, the provider system 5 and the banking system 1 3, 1 5 through the Internet, a public telephone wire network, a dedicated communication network or an electronic banking system. . The server system 25, and the buyer system 3, for example, functions as a WWW server and provides a GUI screen (hereinafter, referred to as a "calendar screen") of a calendar (a list of all dates for each month or week) (see Figures 3 and 4). This calendar screen is a comprehensive management information on the use details or bills (hereinafter referred to as "bills") of various commercial or non-commercial transactions performed by the purchaser and the settlement (account withdrawal) of these transactions , And then the buyer 1 acknowledges these individual transactions to be settled for immediate processing or automatic execution at the appropriate time. In the following description, the server system 25, as shown in Fig. 1, is called "calendar server". The calendar server 25 will also manage all kinds of commercial or non-commercial transaction bills executed by the provider 5 and the settlement information about these transactions, so that it is easy to grasp the function and GUI screen of fund flow (see section 1). 0 图) Provided to the provider system 7. The calendar server 25 also provides the functions and GUI day-to-day management of the billing information settled with the bank accounts handled by the financial institutions 9 and 1 1 (see Figure 11), and provides them to the banks. System 1 3 and 1 5. In fact, most buyers, most providers, and most financial institutions can use the calendar server 2 5. However, in the first figure, 'China National Standard (CNS) A4 specification (210X 297 mm) is applied for this paper size (please read the precautions on the back before filling this page). • Staff of the Intellectual Property Bureau of the Ministry of Economic Affairs Printed by the Consumer Cooperatives -10- 528971 A7 B7 V. Description of the Invention (8) (Please read the notes on the back before filling this page) Description is easy, only one buyer 1, one provider 5, and the purchase process One financial institution 9 of one account of the provider 1 and one financial institution 11 of one account of the provider 5 are represented. The shellfish buyer 1 'may be an individual or a legal person. The term "purchaser" in this manual does not only refer to people who purchase goods or services, but also taxpayers, securities buyers and sellers of securities, borrowers of money, or repayment of loans. . An example of purchaser 1 is a personal purchaser. As the buyer system 3, in order to access the calendar server 25 and the electronic banking system, a personal computer 3a, a mobile phone 3b, or a wearable terminal equipped with an Internet connection function and a WWW browser can be used. . Printed by the Consumer Property Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs. Provider 5 can be an individual, a private enterprise, or a public agency. The term "provider" as used in this manual does not only refer to those who sell goods or services, but also government agencies that collect taxes, intermediaries in various transactions, loan companies, and leasing companies. main body. In the case of providers, there are shops or restaurants that sell goods to buyers; securities companies, insurance companies, letter vendors (card companies), and loan companies that provide buyers with various financial services; Leasing companies; companies or government agencies where the buyer works; telephone companies and mobile phone companies that provide call services to buyers; gas companies that provide urban gas, and power companies that provide electricity. In the example of the provider, this paper includes a local public corporation operating a water pipe, a sewer business, an administrative agency that collects national or local taxes or fines, and various public agencies (such as post offices) that perform various public services. The dimensions are applicable to the Chinese National Standard (CNS) A4 specification (210X297 mm) -11-528971 A7 B7 V. Description of the invention (9) 〇 (Please read the notes on the back before filling this page) Purchaser 1 The settlement management company 19 executes the application for the "settlement management service" contract. Accordingly, the purchaser system 3 can be connected to the calendar server 25 via the Internet. As a result, the purchaser 丨 can send the bills (that is, transaction details or bills) from the provider 5 and the withdrawal details from the deposit account of the financial institution 9 to the calendar server in the form of electronic information. 2 5 Receive the information online to the buyer system 3 'on the display device of the buyer system 3, and display the day and night side of the calendar that has been pasted with this information (refer to Figures 3 and 4). Furthermore, the purchaser 1 acknowledges the input of the bill received by the purchaser system 3 to the purchaser system 3, and immediately generates a payment (account transfer) message for the bill and transmits it to the bank system 1 3, which can be processed immediately or at Settle the bill at the appropriate time. The purchaser 1 pays the use fee of the "checkout management service" for the checkout management company 19. The purchaser 1 may designate a specific provider 5 or a specific financial institution 9 to which the above-mentioned "settlement management service" applies. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs, the purchaser 1 uses the W W W browser installed on the purchaser system 3 to communicate with the calendar server 2 5 through the Internet. The personal identification information (ID, password, etc.) of the purchaser 1 is transmitted from the purchaser system 3 to the calendar server 25, and accordingly the calendar server 25 allows the purchaser system 3 to access the data held by the calendar server 25 Collection area information for buyer 1 in the library. In the database for the purchaser 1, the bills received from the provider 5 to the purchaser 1 or the withdrawal details of the account of the purchaser 1 received from the financial institution 9 are stored. The calendar server 2 5 will display the calendar screen of the specific month or week selected by the buyer 1 (refer to Figures 3 and 4). This paper size applies the Chinese National Standard (CNS) A4 specification (210X297 mm) -12- 528971 A7 B7 V. Description of the invention (10) (Please read the precautions on the back before filling out this page} Send to the ww W browser of the buyer system 3 and display the calendar screen. On this calendar screen (refer to sections 3 and 4) Figure), a mark (graphic or text column) showing the bill from the provider 5 and the withdrawal details from the financial institution 9 are displayed on the date of each use statement or bill (such as the date of receipt) and each On the date column of the detailed account withdrawal date (for example, the day when the account was withdrawn). The calendar server 25 can also respond to the request from the purchaser 1 '. The details of each bill will be displayed (see Figure 7) Or send a screen (refer to FIG. 8) showing the contents of the deposit book of the purchaser 1 to the purchaser system 3 and display it. For each bill displayed by the purchaser system 3, when the purchaser 1 enters the acknowledgement, Handle or in due course The account transfer message requesting payment of the bill is sent to the banking system 13 'at time' The banking system 1 3 executes the bill settlement. The employee property cooperative of the Intellectual Property Bureau of the Ministry of Economy prints the provider system 7 and communicates through the predetermined communication. The network can communicate with the calendar server 25. When the transaction between the provider system 7 and the purchaser 1 is successful, the real-time processing or at an appropriate time, the electronic bill to the purchaser 1 is sent to the calendar Server 2 5. On the electronic bill, describe the customer (purchaser) name, billing number, customer (purchaser) account 5 tiger code, § amount, status, payment period, I-question in a predetermined format. Number, account of transfer account, EDI information (additional information necessary for the receipt of the electronic bill, such as a unique identification code, etc.), etc. The calendar server 2 5 will receive information from the provider system 7 to buyers and sellers. The electronic bill of 1 is kept in the database, and then the notification for the electronic bill is executed (notice the buyer 1 with a mark on the calendar screen), and read (make the buyer watch the detailed content of the bill) Payment) (The paper size of the bank is applicable to the Chinese National Standard (CNS) A4 specification (210X297 mm) -13- 528971 A7 __ B7 Printed by the staff of the Intellectual Property Bureau of the Ministry of Economic Affairs for consumer cooperation. Du V. Invention Description (11) System 1 3 Notifies the account transfer process that has performed the bill payment, or requests (notifies) the bank system 1 3 Performs the account transfer process of the bill payment), Payment confirmation (from the bank system 1 3 Notification to the provider account already, please Payment, etc.) When the calendar server 25 performs the above-mentioned notification, reading, payment request, or payment confirmation on the electronic bill, the status of the electronic bill is updated immediately or at a predetermined time Is notified, read, payment request, or paid, etc. The provider system 7 can specify the issuing period or status to request the calendar server 2 5 to retrieve the electronic bill. Then, the calendar server 25 retrieves the electronic bills from the provider system 7 managed by the calendar server 25 from the provider system 7, and retrieves the bills that have the input issue date and the designated status in the designated issue period, and displays the list The bill list screen (see FIG. 10) of these bills is transmitted to the provider system 7 and displayed. This bill list screen (refer to Figure 10) displays the customer name, bill number, customer account number, payment amount, status, status update time, payment period, inquiry number, EDI identification information, etc. of each electronic bill . The "status" of each electronic bill displayed here indicates the latest status of each electronic bill (notified, read, payment request, or paid, etc.), and the "status update time" indicates the latest status The update date. Moreover, the provider system 7 may require the calendar server 25 to automatically notify the status update of the electronic bill in a real-time manner in advance. When requested in this way, even if the provider system 7 is not actively connected to the calendar server 25, the calendar server 25 will automatically notify the provider system 7 of the status of the electronic bill in real time. In short, the status of the bill becomes paid (please read the notes on the back before filling out this page)-Binding · Order 4 This paper size applies to China National Standard (CNS) A4 specification (210X 297 mm) -14-528971 V. Description of the invention (12-inch 'provider system 7' from the calendar server 2 5 to process or receive notification of the subject at a fixed time. (Please read the notes on the back before filling out this page) Banking system 1 3, 1 5. Through the electronic banking system, it communicates with the calendar server 2 5. The purchaser system 3 or the provider system 7, etc., and can execute banking business in response to requests from the calendar system 2. 5. The purchaser system 3 or the provider system 7. When the bank system 1 of the deposit account of the purchaser 1 'accepts the entrusted bill payment (account transfer) message from the provider 7 to the purchaser 1' for immediate processing or at a predetermined time, the interbank settlement system is used to perform the purchase from the bank The deposit account of the person 1 is transferred to the deposit account of the provider system 7 of the banking system 15 and the money transfer portion of the request amount of the deposit account is processed. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs when the purchase is processed The bank system 1 of the deposit account 1 of 3, when the withdrawal or deposit occurs in the deposit account of the purchaser 1 according to the payment of the above bill or other reasons, the deposit or withdrawal will be indicated immediately or at a predetermined time. The detailed electronic withdrawal details are sent to the calendar server 25. In the withdrawal details, the customer (purchaser 1) name, customer account, withdrawal date, withdrawal amount 'item, summary, and EDI information (additional information necessary when receiving the details of the electronic withdrawal, such as the identification number of the bill that has been paid, etc.). The withdrawal details indicate that when the payment of the bill is completed, the calendar server 2 5 is included in the withdrawal The detailed EDI information can specify which bill has been paid, and then update the status of the particular bill to be paid. The bank system 1 processing the deposit account of the provider 5 can specify the issuing period or status and request the calendar server 2 5 retrieves the electronic bill. Therefore, the calendar server 25 will designate the paper size of the provider 5 handled by the banking system to be applicable to the country of China Standard (CNS) A4 specification (210X 297 mm) -15- 528971 A7 B7 V. Description of invention (13) (Please read the notes on the back before filling out this page) Deposit account (in reality, it is to handle multiple providers Deposit accounts) are the electronic bills of the account to which the funds are transferred. Searching for the electronic bills that have been entered on the issue date and in the specified status during the designated issuance period will display the bill list screen of these bills (see Reference (Figure 11) is transmitted to the bank system 15 and displayed. The bill list screen (refer to Figure 11) displays the name of the company (provider), company code, and customer (purchaser) of each electronic bill ) Name, customer account, payment amount, status, issue date, and payment (payment) period. The "status" of each electronic statement shown here indicates the latest status of each electronic statement (notified, read, payment request, or paid, etc.), and the "status update time" indicates the latest status The update date. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs. The calendar server 25 has a database, which contains the collection area for the purchaser 1. In the collection area for the purchaser 1, the electronic bill received from the provider system 7 to the purchaser 1 and the withdrawal information of the deposit account of the purchaser 1 received from the banking system 13 are stored. When receiving electronic bills or deposit details, the calendar server 25 can not only paste the bills or deposit details on the calendar screen C (refer to Figures 3 and 4) for purchaser 1 to view, but also use email Notify purchaser 1. The calendar server 25, as shown in Fig. 1, includes a bill management section 27 and an accounting management section 29. The bill management department 2 7 communicates with the bank system that handles the provider system 7 and the provider 5 accounts, and mainly performs the information processing on the electronic bill from the provider 5. The accounting management department 2 9 communicates with the bank system 1 3, which handles the purchaser system 3 and the purchaser 1 account, and mainly implements the information on the deposit withdrawal of the purchaser 1 account. This paper applies the Chinese National Standard (CNS) A4 specification. (21〇 > < 297 mm) -16- 528971 A7 B7 5. Description of the invention (14). (Please read the notes on the back before filling this page.) Figure 2 shows the electronic information flow that is not performed by the bill management department 27 and the accounting management department 29. These processes will be described with reference to FIG. 2. These processes are typically executed in accordance with a computer program implemented in the calendar server 25. The processing executed by the bill management section 27 includes (1) bill registration processing, (2) bill reading and payment request notification processing, and (3) bill settlement and bill cancellation processing. (1) Bill registration process When the electronic bill from the provider system 7 to the purchaser 1 is issued (1-1), the bill management section 27 receives the electronic bill and registers it as an unbilled bill To the database (1 to 2) of the bill management department 27, and then manage the status or payment period of the electronic bill. The bill management department 27 forwards the electronic bill to the accounting management department 29 (1-3). (2) Processing of bill reading and payment request notification processing When the consumer cooperative of the employee of the Intellectual Property Bureau of the Ministry of Economic Affairs prints out the purchaser1 has read (read) the details of an electronic bill, the reading notification is transmitted from the accounting management department to the 9 Bill Management Department 2 7 (6 -2). When the bill management department 27 receives the reading notice, it updates the status of the electronic bill to read (2-1). When the bill management unit 27 is requested to retrieve the electronic bill from the provider system 27 (or when the automatic notification is entrusted in advance, the status of the electronic bill is updated to read), the electronic bill The status (that is, read) notification to the provider is that this paper size applies the Chinese National Standard (CNS) A4 specification (21〇 > < 297 mm) -17- 528971 A7 B7 V. Description of the invention (15) (Please read the notes on the back before filling this page) System 7 (2-2). In this way, the purchaser 1 has notified the supplier 5 that the buyer 1 has read the electronic bill, and the supplier 5 is given the supplier 5 with the legal basis for taking legal urgency procedures. When the bank system 1 3 requesting the purchaser 1 account pays an electronic bill, the accounting management section 29 sends a notification of the electronic bill payment request to the bill management section 27 (6-9). When the bill management section 27 receives the payment request notification, it updates the status of the electronic bill to the payment request (2-3). When the bill management unit 27 is requested to retrieve the electronic bill from the provider system 7 (or, if an automatic notification is entrusted in advance, 'when the status of the electronic bill has been updated to the payment request), the electronic bill The status of the ticket (ie, in the payment request) is notified to the provider system 7 (2-4). (3) Settlement of bills and cancellation of bills processing The notice issued by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs when the provider 5 accepts the status of an electronic bill becomes a payment request notification 'For the banking system 1, 5, check in the provider 5 Whether the amount requested in the deposit account for the bill has been deposited (3-i) (or, the fact that the deposit is automatically notified to the provider system 7 from the banking system 15). According to this query, not only the deposit details of the bank system 15 confirmed to the provider 5 account 'transferred from the bank system 15 to the provider system 7 (3-2)' are also transferred to the bill management department 27 (3- 3). When the bill management department 27 receives the deposit details from the banking system i 5, that is, the specific electronic bill corresponding to the deposit details, the status of the specific electronic bill is updated to paid. The electronic bill is never settled. Auto-cancellation in the account statement (3 to 4) This paper size is applicable to the Chinese National Standard (CNS) A4 specification (210X297 mm) -18- 528971 A7-— — — — — — — — — # B7 _5 Description of the invention (16) The status (paid) of the bill is notified to the provider system 7. According to the notice of payment mentioned above, Provider 5 can simply execute the cancellation of the settled bills (please read the notes on the back before filling out this page), and can easily grasp the flow of funds, and smoothly transfer to the goods delivery, etc. Action after checkout. Among the processes executed by the accounting management department 29 of the calendar server 25, there are (4) automatic deposit processing for deposit details, ($) automatic bill attachment processing, (6) bill reading and payment request notification Processing, (7) automatic classification processing of deposit and withdrawal details, (8) automatic setting processing of withdrawal reservations, (9) automatic cancellation of scheduled payment withdrawals, (10) automatic notification of withdrawal details, (1 1) Account electronic book processing. (4) The deposit details are automatically attached and processed. Printing and accounting management of the consumer cooperative of employees of the Intellectual Property Bureau of the Ministry of Economic Affairs 邰 2 9 Received information from the bank system 1 3 via the electronic banking system 2 1 The deposit information of the purchaser 1 account (4 1)), register the data (transaction date, amount of payment, payment period, issue date, EDI information, and summary, etc.) contained in ghai deposit # 1 to the database of the accounting management department 2 9 (4 1 2 ). Next, when the accounting management department 29 displays the calendar day and month (see Figures 3 and 4) of each month or week on the purchaser system 3, 'the posted detailed deposit details are posted on the calendar screen (4-3). From the day of the calendar, the purchaser can grasp the actual situation of the deposit of his account in each month or week. (5) Automatic bill attaching process Accounting management department 29, receiving from the provider system 7 through bill management This paper size applies the Chinese National Standard (CNS) A4 specification (2 丨 〇 > < 297 mm) -19- 528971 A7 B7 V. Description of the invention (17) (Please read the notes on the back before filling out this page) The electronic bill (1-1) transmitted by the department 2 7 Get the information about the withdrawal plan (transaction date, amount of payment, payment period, issue date, EDI information and summary, etc.) on the bill, and then register the obtained information to the database of the accounting management department 29 (5-1) . Furthermore, the accounting management department 29 forwards the electronic bill to the electronic banking system 2 1 and logs in to the electronic banking system 2 1 (5-4). Next, when the buyer management system 3 displays the calendar screen of each month or week (refer to Figures 3 and 4), the account management department 29 pastes the deposit reservation information about the registered electronic bill on the calendar day. (5-2). From this calendar screen, the buyer can grasp the monthly or weekly deposit withdrawal schedule in his account. This calendar screen (refer to Figures 3 and 4) displays the information about the deposit withdrawn according to the electronic statement and the actual information about the deposit with the details of the withdrawal. Therefore, the purchaser can comprehensively manage various bills and payment procedures for the bills. In addition, when the electronic bill arrives at the accounting management department 29 (5-1), the accounting management department 29 will promptly notify the buyer system 3 of this arrival (printed by the consumer property cooperative of the Intellectual Property Bureau of the Ministry of Economy 5-3) . And the accounting management department 29 registers the electronic statement to the electronic banking system 21, and the electronic banking system 21 registers the electronic statement (5-4). (6) Bill reading and payment request notification processing When the buyer system 3 requests to view an electronic bill, the accounting management department 29 will display the detailed content screen of the electronic bill registered in the electronic banking system 21 (see section Figure 7) is transmitted to the buyer system 3 (6 — 1). Based on this, the purchaser has read the electronic bill, and then the paper size of the paper is subject to the Chinese National Standard (CNS) A4 specification (21 × 297 mm) -20- 528971 Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 ___ B7_____ V. Description of the invention (18) Section 2 9 The bill management section 2 5 (6-2) is notified to the reader for immediate processing. As described above, the reading of the bill is notified to the provider system 7 (2-1, 2-2) by the bill management section 2 7. Furthermore, in the purchaser system 3, an electronic bill is acknowledged by the purchaser (6-3), and an account transfer message for paying the bill is automatically generated (6-4), and the account transfer message is transmitted to the purchaser Banking system for accounts 1 3 (6-5). Banking system 1 3, accept the account transfer message to perform account transfer processing (6-6), and then use this account transfer processing to send the withdrawal details indicating the amount of the withdrawal request from the buyer 1 account to the accounting management department 2 9 (6 -7). The accounting management department 29 registers the withdrawal details in the database of the accounting management department 29 (6-8), and transmits the notification of the payment request for the bill to the bill management department 2 7 (6-9 ). As described above, the bill payment request notification is transmitted from the bill management section 27 to the provider system 7 (2-3, 2-4). The withdrawal details (6-8) registered above are automatically pasted according to the above-mentioned deposit information, posted on the calendar screen and displayed on the purchaser system 3 (5-2). (7) Automatic classification and processing of withdrawal details The accounting management department 29 reads the details of withdrawals in the past month or the past week from the database of the accounting management department 29, and according to any of these withdrawal details Items (such as projects, abstracts, or EDI information, etc.), automatically categorize these withdrawal details, and display the classified withdrawal details in the shell purchaser system3. This paper size applies Chinese National Standard (CNS) A4 specification (210X297 mm) (Please read the precautions on the back before filling out this page) -21-528971 V. Description of the invention (19 (8) Automatic deposit withdrawal plan processing accounting The management department 29 uses the various project amounts, items, summaries, and EDI information included in the withdrawal deposit details classified by the withdrawal account mentioned above, and months later) to withdraw deposit reservations (or, automatically complete the information with purchases) . Next, the account management department 2's future deposit withdrawal schedule is registered in the account management department's calendar after February and displayed on the buyer's system 3 on the day of the month. Based on this, the actual situation of withdrawals, such as debits, performed on a fixed date every month, is automatically set on the calendar screen. Furthermore, it ’s also reliable that the purchaser enters the payment reservation in person. Automatically divide the details (When the deposit is withdrawn, the buyer will automatically set 9 to set the database of 9 by himself. At that time, if the electricity or electricity is booked, the processing period and after the gold can be set (the middle of the second half of the second month) In the past calendar screen, the call deposit is set according to the past. Future deposits (please read the notes on the back before filling out this page) Printed by the employee's consumer cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs (9) Settlement of deposits and withdrawals are scheduled to be automatically cancelled when accounting management Department 29 receives deposit details from the banking system 1 3 or 15 through the electronic banking system 2 1 and retrieves the deposit details (deposit dates, items, summaries, and EDI information, etc.) Withdrawal deposit reservations (according to the deposit withdrawal records registered in the bill during the automatic billing process described above). If a corresponding withdrawal deposit reservation is found, the accounting management department 29 will place the corresponding withdrawal deposit reservation The status is updated to be paid, and the deposit withdrawal plan is automatically eliminated. This paper size applies the Chinese National Standard (CNS) A4 specification (210x297 mm) -22- 528971 Member of Intellectual Property Bureau, Ministry of Economic Affairs Printed by the consumer cooperative A7 B7 V. Description of the invention (20) (1 0) Automatic notification of deposit withdrawal details According to the above-mentioned settlement of the scheduled withdrawal of deposits, automatic cancellation of deposits When the scheduled withdrawal of deposits is executed, the accounting management department 2 9 Automatically notify the purchaser system 3. When the withdrawal details corresponding to the withdrawal request are not sent after the scheduled date 'or the unexpected withdrawal details (there are no withdrawal details corresponding to any withdrawal request), the Accounting Management Department 29 also automatically informs the buyer system of this matter 3. Whether to implement the above-mentioned automatic notification, and the conditions under which the above-mentioned automatic notification is executed when the deposit details are transmitted, the purchaser can display it on the screen displayed by the purchaser system 3. (1 1) Account electronic account book processing accounting management department 29 reads the withdrawal details of the buyer's account from the database of the accounting management department 29, and arranges these withdrawal details according to the order of the date of withdrawal to create a list of accounts The electronic account book screen (refer to Figure 8), and then the account electronic account book screen is transmitted to the buyer system 3 and displayed. 3. You can download the data file in the form specified on the screen of the electronic account book of the account and get it back to the accounting application program. The function and operation of the system of this embodiment will be described in more detail below. Figure 3 shows the calendar server 2 5 provides purchase This is an example of the monthly calendar screen of the system 3. As shown in Figure 3, the calendar screen is divided into the secondary window 3 5 and the main window 37. In the secondary window 35, it is set to have "this week", "scheduled" The paper size of this paper applies the Chinese National Standard (CNS) A4 specification (210X297 mm). ----- r --- clothing ---- Γ——, 玎 ------ Φ (Please read the precautions on the back before filling out this page) -23- 528971 Employees' Consumption of Intellectual Property Bureau, Ministry of Economic Affairs Cooperatives print A7 B7 V. Description of invention (21) λ "," Month display "," Week display "," Day display "," Bill list "and" Electronic account book display "3 5 a , And the search field 3 5 b used when performing the keyword search, and the field 35 c showing the calendar day and time of the next month, and the "back to this month" form 35 d. In the main window 37, a calendar in which all the date spaces of the month designated by the buyer are displayed is displayed. On the calendar, the bill issued to the buyer 1 from the provider system 7 and the bank system 13 are displayed. The details of the deposit withdrawal from the account of the purchaser 1 and the scheduled deposit withdrawal symbol (picture and text column) automatically generated from the actual situation of the past deposit of the account of the buyer 1 are transmitted. In the third figure, for example, the so-called "C The signs of "damage insurance", "XY shop", and "company Z" refer to bills from C damage insurance, bills from XY shop, and bills from company Z. The bills are posted on Space on the date received by the calendar server. The icon in front of the "C damage insurance" and "XY shop" signs (vertical lines in the square box), for example, means that payment has not been performed; the icon in front of the "Z company" sign (X in the square box) For example, it indicates that the payment request is being paid or has been paid. In addition, in Figure 3, the so-called "transfer" symbol indicates that payment (account transfer) is performed on a certain bill (such as a bill from company Z). The display (negative numbers in the box with four corners) represents the withdrawal. The ticker is affixed to the date space on which the payment (account transfer) was performed. In the "transfer" mark, an additional mark can be added to indicate which bill is corresponding. Furthermore, in Figure 3, for example, "electricity charges", "water charges", and "portable paper sizes are applicable to the Chinese National Standard (CNS) A4 specification (21 Οχ 297 mm) — V--. --- Γ --- ^ pack ----------- Order ------ (Please read the notes on the back before filling out this page) -24- 528971 Printed by the Consumers' Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs System V. Description of the invention (22 with telephone service fee), each icon showing these symbols to pay the fee (Figure 3, for example, the account number, each indicates the use of the loan card and the situation. These withdrawals The meaning of the scheduled date or the actual situation of the execution of the deposit. You can also plan the withdrawal and the actual withdrawal. In addition, the deposit of the 3rd salary salary or the actual situation of the deposit is the meaning of the deposit. The deposit or execution of the deposit date Figure 4 is an example of a watch screen. Figure 4 shows an example of a watch screen. Figure 4 shows the monthly screen shown in Figure 3 and / or "Main window of the weekly calendar screen. 3 The date of each calendar is A7 B7." The symbols "phone charge" and "gas fee" refer to the actual withdrawal status of the withdrawal plan or the payment that has been paid. The negative number in the square box) represents the withdrawal. It is also referred to as "XX credit card" and "〇〇 loan '' Pay XX credit card company and 00 loan company letter loan The repayment withdrawal schedule or the actual withdrawal schedule or withdrawal detail mark that has been paid are affixed to the space where the withdrawal withdrawal date is executed. These withdrawal schedules or withdrawal icons (negative numbers in the square box) are representative The color or shape of the withdrawal instruction or text column is different, which is different. The so-called "salary" symbol in the figure indicates the actual situation of the deposit or deposit. The icon of the deposit reservation number (in the box with four corners is (Positive number), which indicates that the date of the show 5 tigers is posted on the space of the scheduled date of the deposit. It can also be the color of the deposit or the actual situation of the deposit. The weekly calendar screen of the weekly calendar is displayed on the calendar screen by pressing "Go to this week" on the calendar screen form field 3 5a. As shown in Figure 4, on Sunday 7 shows purchases The calendar and week of the week specified by the user, with a week / date space of 3 7 a and the paper size of the deposit are applicable to the Chinese National Standard (CNS) A4 specification (210X297 mm) --r-^ --- ^ --- -0-¾ 衣 ---- ^-1T ----- • Line (Please read first Note on the back, please fill out this page again) -25- 528971 Printed by the Consumers' Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 B7 V. Description of the invention (23) Indebtedness and actual situation space 3 7 b. Withdrawal deposit for each date • The actual situation space 3 7 b is a graphic showing the bills received on that date, representing the scheduled withdrawals made on that date, or the actual situation of withdrawals made on that date. Figure 5 This is an example of the daily calendar day and day displayed on the purchaser system 3. The daily calendar day and day displayed on Figure 5 is the calendar screen displayed on Figure 3 or Figure 4 with the pointing device. The "Yue" form in the form field 3 5 a is displayed. As shown in Figure 5, in the main window 37 of the daily calendar screen, the details of the deposit performed on the date specified by the purchaser and the bills received on that day are displayed. For the displayed bill, the buyer presses the "Details" button to display the details of the bill. The table indicates that the buyer has read the bill, and the status of the bill managed by the calendar server 25 is updated to read . For the displayed bill (only for unpaid bills), the purchaser presses the "Pay" button, the purchaser acknowledges the bill, and the transfer account message automatically generated to pay the bill is sent to the banking system1 3. Automatically perform transfer account processing. The table 6 is an example of the bill list screen displayed on the purchaser system 3. The billing list screen shown in FIG. 6 is displayed by pressing the “Billing List” form in the screen form area 3 5 a shown in FIG. 3, 4 or 5 with the pointing device. As shown in Fig. 6, the main window 37 of the bill list screen is a list of all bills received in the month specified by the purchaser. For the displayed bill, the buyer clicks "Details" to apply the Chinese National Standard (CNS) A4 specification (210X297 mm) according to the paper size ----------- 0-batch --- -τ--, 玎 ----- Am (Please read the precautions on the back before filling out this page) -26- 528971 A7 B7 V. Description of the invention (24) (Please read the precautions on the back before filling out this page ) Button, the detailed content of the bill is displayed, and the table indicates that the buyer has read the bill, and the status of the bill managed by the calendar server 25 is updated to read. For the displayed bill (only for unpaid bills), the purchaser presses the "Pay" button, that is, the purchaser has acknowledged the bill, and a transfer message automatically generated to pay the bill is sent to the banking system1 3. Automatically perform account transfer processing. FIG. 7 shows an example of the bill details displayed on the buyer system 3 on a daily basis. The bill detail screen shown in Figure 7 is displayed on the screen not shown in Figure 5 or Figure 6 'by pressing the "Details" button on a bill using the pointer device. The billing details are displayed on this screen. When the bill detail screen is displayed, the buyer has read the bill, and the status of the bill managed by the calendar server 2 5 is updated to read. For the displayed bill (only for unpaid bills), the purchaser presses the "Pay" button 4 4 9, the purchaser acknowledges the bill, and the account transfer message automatically generated to pay the bill is sent to Banking system 1 3, automatic account transfer processing. Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs. Figure 8 shows an example of the day-to-day account of the account displayed on the buyer system 3. The electronic account book screen shown in FIG. 8 is displayed with the pointing device by pressing the “electronic book display” form in the screen form area 3 5 a shown in FIGS. 3 to 6. As shown in Figure 8, in the electronic account book screen, the withdrawal details of the purchaser's deposit account performed during the period specified by the purchaser (withdrawal date, item, payment amount, deposit amount, balance balance, remarks, etc.), Displayed in order of deposit date. In short, this paper size applies the Chinese National Standard (CNS) A4 specification (210X 297 mm) -27- 528971 Printed by A7 B7 of the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. Description of the invention (25) is for display and deposit The same records in the books. In the remarks column 63, the difference between the preset corresponding withdrawal plan and the actual withdrawal status is displayed. For example, in the example shown in FIG. 8, the difference between the amount of the mobile phone charge and the actual amount is displayed, and the “predetermined amount difference” is displayed. Click on “Predetermined Amount Difference” to open frame 6 5 and display a more detailed explanation of the difference. FIG. 9 shows an example of a preset day for deposit withdrawal displayed on the purchaser system 3. FIG. The default deposit withdrawal screen shown in Fig. 9 is an indicator device that presses the "Scheduled Entry" form in the screen form field 3 5 a shown in Figs. 3 to 6 and then the buyer from the calendar server 2 5 Select any item (or select a new reservation) from the withdrawal schedule automatically created based on the past withdrawal details and display it. The preset deposit withdrawal screen shown in Fig. 9 is an example of the withdrawal schedule for which the mobile phone fee has been automatically set. In the preset deposit screen shown in Figure 9, the calendar server 2 5 automatically displays the withdrawal schedule information automatically set from the actual withdrawal conditions of the past mobile phone charges in the item name 3 9, transaction type 4 1. item Group 4 3. Transaction day (type withdrawal date) 4 5. Amount 4 7 etc. Buyers can manually change these automatic settings. In the column of automatic notification 49, regarding the withdrawal request set on this screen, if the customer wishes to execute the automatic notification to the purchaser system 3 from the calendar server 25, the purchaser may set conditions for executing the automatic notification. That is, if “Yes” is selected in the 4 9 a column in advance and “The day”, “The day before yesterday” or “2 days before” is selected, that is, the paper standard on the day of the transaction day on which the deposit is scheduled to apply Chinese national standards (CNS) Α4 specification (210X 297 mm) ^ --- = -------- ^ --- Order ------ (Please read the precautions on the back and save this page) -28 -528971 A7 ____ B7 V. Description of the invention (26) (Please read the notes on the back before filling out this page), the day before or 2 days ago, execute from the calendar server 2 5 to the purchaser system 3 to make a deposit reservation for this withdrawal Automatic notification. In addition, if you select “Yes” in the post-notification 4 9 b column and select “Notify when the amount is consistent” or “Notify when the amount is not consistent” of the “scheduled transaction establishment”, the deposit information corresponding to the withdrawal is scheduled from When the banking system 13 is transmitted, when the amount is consistent with or not in accordance with the schedule, an automatic notification is performed from the calendar server 25 to the buyer system 3 for the consistency or inconsistency of the amount. (If the amount is not consistent, as shown in Figure 8, the subject is also displayed on the electronic account book screen.) In addition, if you are in the Post-Notification Column 4 9 b, select "Yes" and select "Show transaction not established" "Show payment If the detailed deposit amount and current balance ”or“ notify scheduled transaction ”corresponds to the withdrawal of the scheduled deposit amount due to insufficient purchaser account balance, etc., the execution will be executed from the calendar server 2 5 to the purchaser system 3 Automatic notification of selected matters. In addition, if you select “Yes” and “Notify when no scheduled transaction exists” in the post-notification notification column 4 9 b, when no deposit amount information corresponding to any withdrawal request is transmitted from the banking system, execution is performed from the calendar. The server 25 to the buyer system 3 automatically notify the details of the withdrawal. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs. Figure 10 shows an example of the billing list screen of the calendar server 2 5 provider system 7. The provider system 7 requests the calendar server 2 5 to retrieve the electronic bill for the designated period or status. The calendar server 25 retrieves the specified bill from the electronic bill managed by the calendar server 25 from the provider system 7 Enter the billing date that is currently in the designated state during the issuance period, and send the billing list screen as shown in the list shown in Figure 10 to the provider system. This paper size applies the Chinese National Standard (CNS) A4 specification (210X297 (Mm) -29-528971 A7 B7 V. Description of the invention (27) (Please read the precautions on the back before filling out this page) 7 and display. The bill list screen shown in Figure 10 displays the customer name, billing number, customer account number, payment amount, status, status update time, payment period, inquiry number, EDI identification information, etc. of each electronic bill. . The provider can know the latest status of each electronic bill (notified, read, payment request, or payment request, etc.). On this screen, the provider cancels each bill (only for bills that have not been in the status of the payment request). 4 1 Enter the confirmation mark, and press the "Cancel Processing" button 4 on the pointing device. 2 The calendar server Device 2 4 cancels the bill. FIG. 11 shows an example of the calendar server 25 providing the bank system 13 or 15 bill list screen. The Intellectual Property Bureau of the Ministry of Economic Affairs, the employee consumer cooperative prints the banking system 1 3 or 15 and requests the calendar server 2 5 to retrieve the electronic bill for the specified issue period or status, and the calendar server 2 5 retrieves the banking system 1 3 or 15 If the deposit account is designated as the electronic account of the deposit destination account, enter the electronic statement of the issue date and the current status within the specified issue period, and send the bill list screen shown in the list shown in Figure 11 to the bank System 1 3 or 15 is displayed. The bill list screen shown in Figure 11 displays the name of the company (provider), company code, customer (purchaser) name, customer account, amount of payment, status, issue date, And the deadline for payment (payment). Financial institutions can know the latest status of each electronic bill (notified, read, payment request, or paid, etc.). Fig. 12 is a flowchart showing the overall strategy of the system according to this embodiment. In Figure 12, the deposit details from the banking system 13 are transmitted. The paper size applies to the Chinese National Standard (CNS) A4 specification (210X297 mm) -30- 528971 Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 B7 5. Description of the invention (28) to the calendar server 25, which is registered in the database of the calendar server 25 (step S 7 1). Next, the calendar server 25 receives the inquiry request about the account transaction content from the buyer system 3, and it will post the calendar screen with the deposit details and bills received so far (see Figures 3 and 4). The display is transmitted to the calendar server 25, and the access to the buyer system 3 of the calendar screen is accepted (step S 7 2). The bill for the purchaser 1 from the provider system 7 is transmitted to the calendar server 25 through the communication network. The calendar server 25 obtains the withdrawal reservation information from the bill, registers the withdrawal reservation information in the database (step S 7 3), and then forwards the bill to the electronic banking system. The calendar server 2 5 notifies the buyer system 3 of the purpose of sending the bill from the provider system 7 (step S 7 4). When a request for querying specific billing content is issued from the buyer system 3 C step S 7 5) 'Calendar Ho Fu 2 5 The billing details screen showing the billing details registered in the electronic banking system will be transmitted to the purchase The user system 3 makes a display. This means that the buyer 1 reads the bill. The calendar server 2 5 informs the provider system 7 of the subject that the bill has been read by the purchaser 1 (step S 7 6). Secondly, when the buyer acknowledges the bill on the display of the buyer system 3 on the day, it will automatically generate a payment request message for the bill and send it to the banking system 1 3 through the electronic banking system, asking the banking system 1 3 to purchase from Transfer procedure of request amount from account of person 1 to account of provider 5 Accordingly, the account transfer procedure is carried out through the interbank settlement system 17 of the banking system 1 3, 15 (step S 7 7). Then apply the Chinese National Standard (CNS) A4 specification (210X297 mm) to the Japanese paper standard from the banking system 13 Pack: Order (please read the precautions on the back before filling this page) -31-Staff Consumption of Intellectual Property Bureau, Ministry of Economic Affairs Printed by the cooperative 528971 A7 ____ B7 V. Description of the invention (29) '~ ~' Calendar server 2 5 Sending withdrawal details (steps 7 8), according to this step 'from the calendar server 2 5 to the provider system 7. Send a payment request notification (step S79). Then, when the inquiry about the withdrawal details of the provider account is sent from the provider system 7 to the banking system 15, the banking system 15 will send the withdrawal details of the provider account to the provider system 7 and the calendar server 2 5 (step S 8 0). When receiving the details of these withdrawals, the provider system 7 and the calendar server 25 'each perform the cancellation of the settled bills based on the details of the received withdrawals as described above (step s 8 1). Figure 13 shows the calendar server 2 5 performing the above-mentioned (7) automatic deposit processing of deposit details, (8) automatic deposit reservation processing, (9) automatic deposit cancellation processing, (1) Automatic notification of deposit details and (1 1) the strategic process of account electronic account book processing. In FIG. 13, automatic classification of deposit details is requested from the purchaser system 3, and the calendar server 25 extracts and categorizes the past deposit details of the purchaser from the database (step S 8 2), and determines the future based on the classification result. Withdrawal deposits are scheduled to be automatically displayed on the calendar screen next month (step S 8 3). Then, from the banking system 1 3, send the withdrawal details of the buyer's account (step S 8 4), and the calendar server 25 finds the withdrawal plan corresponding to the received withdrawal details from the database, and cancels The found withdrawal deposit is scheduled (step S 8 5), and the buyer system 3 is automatically notified at the same time (step S 8 6). Furthermore, when receiving the display request from the electronic account book of the buyer's system, the calendar server 25 reads out the withdrawal deposit of the buyer's account from the database. %)-. -------- 0-¾yi ---- Ί--, 玎 ------ 0 (Please read the precautions on the back before filling this page) -32- 528971 A7 B7 V. Invention Explanation (30 details (step S 8 7 8)), and send the news from the buyer to S 8 9), the calendar deposit details, will be 3 (step S 9 0 part 14 is a part of the calendar, calendar server) Knowing these redundancies on the electronic account book day (refer to the screen to send to the buyer system 3 for display. When receiving the deposit details download request (step server 25, the buyer account is read from the database) @ 些。 These files are sent to the buyer's system in the prescribed form) ° The server is shown in the overall processing shown in Figure 13 2 5 Execution (4) Deposit details are automatically attached to the employee's consumer cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs The printed account is printed on the account of the household (steps of calendar picture or week on the screen of 15 pictures., Part of picture 4), the bill is on the order, and the data is on the date. Figure 14 Deposit Details S 9 1) The deposit account will be displayed on the screen (shown in step S), and then) send a message to the 15th calendar, the calendar server automatically attaches the 15th calendar server library In the step, when, the calendar. Then ask (step details (step 9 4) also display the calendar to the buyer in the processing of the device 2 5, when 2 5 is S 9 6 received from the server 2 when the purchase step S 9 2 steps S 9 3. (Moreover, the monthly or weekly server 2 5 system 3 is executed as shown in Figure 13 (1 flow. From the provider to the bill). Then the buyer system of the bank system 1 3 5 That is to save this in the database, the system 3 receives a certain month or week), that is, read the month from the database), paste it on the calendar of the month or week, and the calendar server 2 5 as the receiving account The calendar is posted on the calendar day and the calendar screen (refer to the third display (step S 9 5). One of the displayed overall processes) the bill registration process and (5 the system 7 receives the account to the buyer to withdraw the deposit Reservation information is saved, the calendar server 2 5 will receive the paper size to the Chinese National Standard (CNS) A4 specifications (210X 297 mm) binding ^ (please read the precautions on the back before filling this page) • 33- Economy Printed by the Consumer Cooperatives of the Ministry of Intellectual Property Bureau 528971 A7 B7 V. Description of the Invention (31) _The bill The subject informs the purchaser system 3 (step s 9 7). When the calendar display request for a certain month or week is received from the purchaser system 3 (step WS 9 8), the calendar server 25 is based on the data received in that month or week. Xunzhi® reads the deposit withdrawal plan from the database (step S 9 9) and pastes it on the calendar screen of the month or week (step S100). (Further, the calendar server ^ 2 5 is displayed on the calendar screen as shown in FIG. 14, and the month or week's withdrawal details are also posted on the calendar screen.) Then, the calendar server 2 5 displays the calendar screen (FIGS. 3 and 4). ) Send a message to the buyer system 3 and display (step s 1 0 1) ° Figure 16 shows a part of the overall processing shown in Figure 13 and the calendar server 2 5 executes (2) And (6) bill reading and payment request notification processing, and (3) billing bill cancellation processing flow. In FIG. 16, when the bill is received from the provider system 7 to the buyer 'calendar The server 25 obtains the deposit withdrawal schedule data from the bill and saves it in the database (step S 102). The calendar server 25 forwards the bill to the electronic banking system (step S 102-2). Next, the calendar server 25 sends a notification to the purchaser system 3 that the subject of the receipt of the bill has been received (step S 103). The notification contains deposit account information, amount information, E D I information, and so on. When the purchaser's system is required to confirm the contents of the bill, the electronic banking system transmits the details of the saved bill to the purchaser's system 3 and displays it, and then the calendar server receives a confirmation notification of the content of the bill (step S 104). ). Therefore, the calendar server 2 5 for the provider system 7, the paper size applies to the Chinese National Standard (CNS) 8 4 specifications (2ΐ〇χ297mm) --r ---. ---- 0 · ^ ---- Γ--IT ----- (Please read the notes on the back before filling out this page) -34- 528971 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs Α7 Β7 Five 2. Description of the invention (32) Send the reading notice of the bill (step s 105). In addition, when the purchaser 1 enters the bill acknowledgement into the purchaser system 3, and sends a payment (account transfer) message from the purchaser system 3 to the bank system 13 (step S 106), the bank system 13 uses interbank settlement The account system 17 executes a transfer process from the buyer's account to the provider's account (step S107) (in addition, the processes of steps S106 and S107 can also be executed via the calendar server 25). The banking system 1 3 sends the withdrawal details of the buyer's account transferred to the account to the calendar server 2 5 (step S 108). The calendar server 25 receives the withdrawal details, updates the status of the bill to the payment request, and notifies the provider system 7 and the purchaser system 3 C of the purchaser system 3, the account on the calendar screen The single mark attached table (not shown in the payment request) (step S109). Although the provider system 7 asked the bank system 15 for confirmation of the deposit details of the provider account with respect to a certain bill payment, the bank system 15 transmitted the deposit details to the provider system 7 and the calendar server 2 5 (step S 1 1 〇). Then, according to the deposit details from the banking system 15, the calendar server 25 cancels the settled bill (step S 1 1 1), and the provider system 7 also cancels the settled bill Account (step S 1 1 2). Fig. 17 shows a part of the processing shown in Fig. 14. The calendar server 25 executes (7) the automatic classification processing of the withdrawal details and (8) the automatic setting processing of the withdrawal schedule. In Figure 17, the automatic classification of the deposit details in the past period (one month or several months) specified by the buyer 3 from the buyer is received. The Chinese standard (CNS) A4 applies to the Zhang's scale. Specifications (2ΐ〇χ297 公 董) " ~~ -35- ~ Approval: Thread (please read the precautions on the back before filling out this page) 528971 Printed by the Consumers ’Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 B7 V. Invention Explanation (33) Requires that the calendar server 2 5 will detail the withdrawal details of the above-specified past period of the buyer's account in the database, according to the project, transaction type, and transaction day, etc., and determine the future based on the classified withdrawal details. The deposit withdrawal schedule for each deposit is generated as shown in FIG. 9 for the deposit withdrawal preset screen (step S 1 3 1), and then the deposit withdrawal preset screen is transmitted to the buyer system 3 and displayed (step S 1 3 1 — 2). On the preset deposit withdrawal screen, the buyer changes the contents of the deposit withdrawal schedule as necessary, or executes the setting of automatic notification as necessary (step S 1 3 1 — 3), and then, according to the purchaser's confirmation of the withdrawal withdrawal schedule determined from The buyer system 3 transmits to the calendar server 2 5 (step S 1 3 1-4). The calendar server 2 5 affixes the confirmed withdrawal deposits to the calendar screens of the current month and the next month respectively (the third and the fourth). Figure) (step S132). The calendar server 25 sends the calendar screen of the current month or the next month to the buyer system 3 (step S 1 3 3). Fig. 18 shows a part of the processing shown in Fig. 14 'Calendar server 2 5 executes (9) the process of deposit withdrawal and cancellation and (1 0) the process of automatic notification of deposit details . In Figure 18, when receiving the withdrawal details from the buyer's account in the banking system, the calendar server 25 saves this in the database (step 5 1 3 4). Next, the calendar server 25 finds the withdrawal plan corresponding to the received withdrawal details from the database, cancels the found corresponding withdrawal plan, and updates the billing status corresponding to the withdrawal plan to payment. Requesting (step S 1 3 5). Then, the calendar server 25 applies the I paper size to the Chinese National Standard (CNS) A4 specification (210X297 mm) ^ ^ ^ --- 1T ------ (Please read the precautions on the back before filling this page ) -36- Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 528971 A7 — B7 V. Description of the invention (34) The result of step s 1 3 5 is automatically notified to the buyer system 3 (step s 1 3 6) 〇 Table 1 9 This is a part of the processing shown in Fig. 14 'Calendar server 25 performs (1 1) the flow of account electronic account book processing. In FIG. 19, when the purchaser 1 executes the request for displaying the electronic account book of the account from the purchaser system 3 to the calendar server 25 (step s 2 2 1), the calendar server 25 reads out the purchase from the database Details of withdrawals from the bank account (step S 2 2 2), these withdrawal details are recorded on the electronic account book screen in the order of date as shown in FIG. 8, and the electronic account book screen is sent to the buyer system 3 (step S 2 2 3). Furthermore, when receiving the download request of the deposit details from the buyer system 3 (step S 2 2 4), the calendar server 25 reads out the deposit details information of the buyer's account from the database to a file in a predetermined form. Download to the buyer system 3 (step S 2 2 5). Upon receipt of the withdrawal detail file, the buyer system 3 can retrieve the withdrawal detail file to the household accounting application software in the buyer system 3 (step S 2 2 6). The operation of the system according to this embodiment has been described above. The above actions are basically applicable regardless of whether the provider is any company or government agency. However, when the provider is a securities company, loan company, or leasing company, etc., it can also perform some actions different from those described above. Figure 20 shows the general flow of other overall operations that can be performed by the system in this embodiment when the provider is a securities company. In Figure 20, when the paper size is applied from the purchaser to the supplier (securities company), the Chinese National Standard (CNS) Α4 specification (210 X 297 mm) is applied. ------. ---. ---- φ-Zhuangyi ----: --- 1Τ ----- • Line (Please read the precautions on the back before filling this page) -37- 528971 A7 B7 V. Description of the invention (35) (Please read the notes on the back before filling out this page) System 7 Enter the order for buying or selling securities such as stocks or bonds (directly or through the calendar server 2 5), and the calendar server 25 will receive information from the securities company system 7 The bill for the sale of the securities will be stored in the database according to the deposit reservation information of the bill (step S 1 3 7). In addition, the calendar server 25 registers the bill to the electronic banking system. Next, the calendar server 25 notifies the buyer system 3 of the contents of the bill (step S 1 3 8). When receiving a notification from the buyer system 3 confirming the purpose of understanding the contents of the bill, 'Calendar server 2 5 For the bank system 1 3, send a transfer request message from the buyer's account to the securities company account (step S 1 3 9), and at the same time, send a notice to the buyer company 1 that the subject of the bill has been read to the securities company system 7 (step S 1 4 1). Accepting the above-mentioned transfer request message, the bank system 13 executes the above-mentioned transfer processing using the interbank settlement system 17 (step s 1 40). Furthermore, in response to the above-mentioned read notification, the securities company system 7 places a securities purchase order from the purchaser to the securities market. The above-mentioned processing by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs to print the order from the purchaser to the time the order is submitted to the securities market is executed electronically in a short time, so there will be no purchaser's missed securities trading due to market changes Doubts of opportunity. As soon as the above-mentioned transfer processing is performed, the banking system 13 sends to the calendar server 2 5 and sends out the withdrawal details of the buyer account for the transfer, and the calendar server 25 sends a payment to the securities company system 7 for the bill Request notification. After that, from the securities company system, the bank system 15 performs a query of the deposit details for the bill (step S 1 4 2), and the bank system 15 sends the deposit details to the calendar server 25 and the securities company system 7, Japan. Paper size applies Chinese National Standard (CNS) A4 specification (210X297 mm) -38-528971 A7 B7 V. Description of the invention (36) Calendar server 2 5 and securities company system 7 Cancel the bill based on the deposit details (step S 1 4 3). Fig. 21 is a flowchart showing a general flow of operations that can be performed by the system of this embodiment and other overall operations when the provider is a loan company. In Figure 21, when the buyer receives a loan inquiry from the buyer through the buyer system 3 (step S 1 6 7), the calendar server 2 5 sends the details of the loan transaction such as the loan amount or repayment schedule to Buyer system (step S 1 6 8). In addition, the calendar server 2 5 receives the bill from the provider (loan company) system 7 regarding the loan repayment and saves it (step s 1 6 9), and notifies the purchaser system 3 of the purpose of the receipt of the bill (step S 1 7 0). When the purchaser confirms the billing content on the purchaser system 3, the calendar server 25 receives a confirmation and acknowledgement notification of the billing content from the purchaser system 3 (step S 1 7 1). Then, the calendar server 25 sends a transfer request message to the banking system 1 3 from the buyer's account to the loan company's account (step S 1 7 2), and sends the message from the buyer who has read the bill. The notification is sent to the loan company system 7 (step S 1 7 4). When the above-mentioned transfer request message is received, the bank system 13 executes the above-mentioned transfer process using the inter-bank settlement system 17 (step s 1 7 3). As soon as the transfer process is executed, the banking system 13 sends a payment request to the calendar server 25 for the buyer account for the transfer. In response, the calendar server 25 sends a payment request to the loan company system 7 Notice. After that, a query of the deposit details is executed from the loan company system 7 to the banking system 15 (step S 1 7 5). The banking system applies the Chinese National Standard (CNS) A4 specification (210X297 mm).
IT I— ILT 裝-- (請先閱讀背面之注意事項再填寫本頁) 訂 經濟部智慧財產局員工消費合作社印製 -39- 528971 五、發明説明（37 ) 1 5即發送該存款明細至日曆伺服器2 5和貸款公司系統 7，日曆伺服器2 5與貸款公司系統7根據該存款明細取 消該帳單（步驟S 1 7 6 )。 第2 2圖係表示租賃公司作爲一種提供者存在時，依 據本發明之交易及結帳管理系統的構成。 租;k公司9 9 ’對於購買者1持有賒帳債權或從提供 者5買得該賒帳債權，然後利用日曆伺服器2 5從購買者 1回收賒欠款。租賃公司9 9的電腦系統（租賃系統） 9 7，介由所定之通信網路可與提供者系統7以及日曆伺 服器2 5通訊。催收系統9 8，可與保管購買者帳戶之銀 行系統1 3以及保管租賃公司9 9帳戶之銀行系統1 5通 訊。 第2 3圖係表示第2 2圖之系統整體處理的槪略流程 (請先閲讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 在第23圖中，提供者系 給購買者1的電子帳單，對租 S 2 4 4 )。租賃系統9 7將 時間發訊至日曆伺服器2 5 ( 器2 5從租賃系統9 7所收訊 對於購買者系統3，發訊該帳 S 2 4 6 )。傳送至購買者系 款目的帳戶資訊以及請款金額 當購買者1確認並承認顯 容（步驟S247)，日曆伺 統7對租賃系統9 7，發訊 賃系統9 7請求催收（步驟 該帳單以即時處理或在所定 步驟S 2 4 5 )。日曆伺服 之帳單保存在資料庫，同時 單內容並顯不（步驟 統3之帳單內容中，包含存 資訊等。 示於購買者系統3之帳單內 服器2 5對於辦理租賃公司 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） -40- 528971 A7 B7 五、發明説明（38 ) (請先閲讀背面之注意事項再填寫本頁) 9 9帳戶之銀行系統1 5，發訊爲了支付帳單的催收請求 (步驟S 2 4 8 )。銀行系統1 5使用催收系統9 8，執 行從銀行系統1 3的購買者帳戶朝銀行系統1 5的租賃公 司帳戶移動請款金額的催收處理（步驟S 2 4 9 )。 銀行系統1 5當上述催收處理結束，以即時處理或在 所定時間，將催收的結束通知發訊至日曆伺服器2 5。當 曰曆伺服器2 5收訊該催收結束通知，取消資料庫內的該 帳單（亦即，該帳單之狀態更新爲已支付），又將該催收 結束通知傳送至租賃系統9 7 (步驟S 2 5 0 )。 此外，日曆伺服器2 5從銀行系統1 3收訊依據上述 催收處理之之購買者帳戶的提款明細，將該提款明細登錄 至資料庫，以即時處理或在所定時間，根據該提款明細將 催收結束之通知發送至購買者系統3 (步驟S 2 5 1 )。 經濟部智慧財產局員工消費合作杜印製 上述之實施形態的系統，係爲了說明本發明之舉例。 依據本發明之催收及結帳管理系統，亦可利用在上述實施 形態以外的各種用途上。例如，除了設置在銀行之存款帳 戶’設置在保險公司之存款帳戶、設置在證券公司之存款 帳戶等的資金管理，也可適用本發明之交易及結帳管理系 統。此外，電子帳單之詳細內容，除了電子銀行系統2 1 ’亦可由日曆伺服器2 5保存。且，或許上述已說明過， 曰曆伺服器2 5或其他系統，根據上述電子帳單可以自動 產生轉帳電文（爲了執行轉帳之電子資料，例如在顯示該 電子資料之畫面上輸入轉帳請求時，自動地從所希望的帳 戶執行轉帳至其他所希望的帳戶）。再者，提供者系統7 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -41 - 經濟部智慧財產局員工消費合作社印製 528971 A7 B7 五、發明説明（39 ) ’取得電子帳單，使用該電子帳單（例如表示包含於此的 支付期限記號），可以推定存款預定日（例如，支付期限 若爲2〇〇1年1月1 〇曰，存款預定日決定爲200 1 年1月1 0，或者根據購買者1的過去提存款經歷之日期 C例如，支付期限2天前的2 0 0 1年1月8日）決定爲 存忒預定日）。又，購買者系統3取得電子帳單，使用該 電子帳單（例如表示包含於此的支付期限記號），可以推 定提款預定日C例如，支付期限若爲2 〇 〇 1年1月1〇 曰’提款預定日決定爲2 0 0 1年1月1 〇，或者根據購 買者1的過去提存款經歷之日期（例如，支付期限2天前 的2 0 0 1年1月8日）決定爲提款預定日）。亦即，提 供者5以及購買者1可以容易地預測資金流動。 以下’針對關於本發明之其他實施形態的交易•結帳 •消息管理系統作說明。 第2 4圖係表示關於該實施形態之交易•結帳•消息 管理系統的整體構成方塊圖。 如第2 4圖所顯示，提供者系統3 〇 1、電子賣場 3 0 3、銀行系統3 0 5、購買者系統3 0 7、以及日曆 伺服器3 0 9 ，係透過網際網路等接續而通訊。提供者系 統、電子賣場、銀行系統以及購買者系統實際上爲多數存 在’但在第2 4圖中各自僅以1個爲代表顯示。 提供者系統3 0 1 ，將給購買者的電子帳單（例如， 包含購買者的個人資訊《姓名、住址、電話號碼、生日等 》、帳單號碼、自動扣款日或支付期限、請款金額、購買 本紙張尺度適用中國國家標準（CNS ) Α4規格（210><297公釐） — r---：----0-¾衣----Γ--IT----- (請先閱讀背面之注意事項再填寫本頁) 42 - 528971 A7 B7______ 五、發明説明（4〇 ) (請先閱讀背面之注意事項再填寫本頁) 者的帳戶號碼、提供者的帳戶號碼、以及E D I資訊等） ’發訊至銀行系統3 0 5以及日曆伺服器3 0 9 °此外’ 提供者系統3 0 1 ，將提供者提供之服務或商品等廣告’ 提供者的網頁U R L或非商業性廣告等，提供者欲讓購買 者知道的資訊（以下，稱爲「消息」），發訊至日曆伺服 器3 0 9。各消息中，包含各消息的內容、該消息應讓購 買者知道的期限條件（顯示日期）、應該讓購買者知道該 消息的條件（對象）、該消息的內容領域及種類等資訊。 經濟部智慧財產局員工消費合作社印製 電子賣場3 0 3，係對於各種商品（物品之外也包含 服務），提供購買者所有線上購物服務的系統。電子賣場 3 0 3在購買者以線上購物購入商品時，將電子帳單（例 如’包含該購買者的個人資訊《購買者的姓名、住址、電 話號碼、生日等》、帳單號碼、自動扣款日或支付期限、 請款金額、購買者的帳戶號碼、以及提供者的帳戶號碼等 )’發訊至銀行系統3 0 5以及日曆伺服器3 0 9。此外 ，電子賣場3 0 3，在接受訂貨、結帳或出貨處理結束時 ’將記載該主旨之電子郵件發訊至日曆伺服器3 0 9，購 買者存取日曆伺服器3 0 9時，對於購買者已接受訂貨、 結帳或出貨處理結束之事可從日曆伺服器3 0 9對購買者 以簡訊通知。 銀行系統3 0 5係管理購買者的存款帳戶。銀行系統 3 0 5根據來自提供者系統3 0 1或電子賣場3 0 3的請 求電文’對購買者帳戶執行提款處理，將電子提存款明細 (例如包含項目、提存款日期、提存款金額、餘額、摘要 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） "" -43- 528971 A7 ______B7 _ 五、發明説明（41 ) (請先聞讀背面之注意事項再填寫本頁) 以及E D I貪訊等）發訊至日曆伺服器3 0 9。此外’銀 f 了系統3 0 5 ，將銀行提供之各種金融商品或金融服務等 廣告’銀行的網頁U R L或非商業性廣告等銀行想讓購買 者知道的資訊（以下，也稱爲「消息」）發訊至日曆伺服 器3 0 9。各消息中，係包含各消息內容、該消息應讓購 買者知道的期限條件（顯示日期）、應該讓購買者知道該 消息的條件（對象）、該消息的內容領域及種類等資訊。 再者’銀行系統3 0 5係與網際網路銀行系統般的電 子銀行系統連接，對於購買者系統7，可以線上方式提供 餘額查詢 '提存款明細查詢以及帳戶轉帳等的銀行業務服 務。此外’銀行系統3 0 5係在提供利用電子銀行系統之 購買者系統3 〇 7的G U I晝面上，設有爲了存取（跳躍 )曰曆伺服器3 0 9的按鍵。因此，於購買者系統3 0 7 所顯示之銀行系統3 0 5的G U I畫面上，該按鍵由購買 者以指標裝置按下時，購買者系統3 0 7連接日曆伺服器 3 0 9 ° 經濟部智慧財產局員工消費合作社印製 購買者系統3 0 7，具有可以存取網際網路上各種服 務的機能（典型上係搭載網際網路連接功能與W W W瀏覽 器），例如，個人電腦、攜帶電話、P D A等，但並不僅 限這些例子。購買者利用購買者系統3 〇 7，存取電子賣 場3 0 3執行線上購物，也可透過電子銀行系統存取銀行 系統3 0 5查詢餘額、提存款明細查詢或執行帳戶轉帳等 0 更者，購買者利用購買者系統3 0 7存取日曆伺服器 本紙張尺度適用中國國家標準（CNS ) A4規格（2淑297公釐) -44- 528971 A7 _B7_ 五、發明説明（42 ) (請先閲讀背面之注意事項再填寫本頁) 3 0 9，如下列說明般，可以閱覽從提供者系統3 0 1及 電子賣場3 0 3傳送來之帳單或從銀行系統3 0 5傳送來 之購買者帳戶的提存款資訊，可以將對這些帳單的支付請 求傳送至銀行系統3 0 5，更可閱覽從提供者系統3 0 1 、電子賣場3 0 3及銀行系統3 0 5傳送來之各種消息。 在購買者使用購買者系統3 0 7存取日曆伺服器 3 0 9的方法中，可以採用朝銀行系統3 0 5的電子銀行 系統簽入時從所顯示之G U I畫面跳躍至日曆伺服器 3 0 9的方法，或直接存取日曆伺服器3 0 9的方法，或 從提供者的網頁跳躍至日曆伺服器3 0 9的方法等各種方 法。 曰曆伺服器3 0 9，對於購買者系統3 0 7提供該購 買者專用的2張日曆畫面（參照第25、26、32、 33、34圖）。第1張日曆畫面（第25、26圖）稱 爲「帳戶管理日曆」，第2張日曆畫面（第32、33、 3 4圖）稱爲「消息日曆」。 經濟部智慧財產局員工消費合作社印製 帳戶管理日曆（第25、26圖）中，貼有從提供者 系統3 0 1、電子賣場3 0 3及銀行系統3 0 5傳送來之 給購買者的電子帳單和購買者帳戶的提存款明細。消息曰 曆（第3 2、3 3、3 4圖）中，貼有從提供者系統 3 0 1、電子賣場3 0 3及銀行系統3 0 5傳送來之消息 中，對應於購買者消費動向日曆伺服器3 0 9所選擇之消 息。 日曆伺服器3 0 9，從已收訊之給購買者的帳單以及 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） ' " -45- 經濟部智慧財產局員工消費合作社印製 528971 A7 B7 五、發明説明（43 ) 購買者帳戶之提存款明細，推定影響購買者消費動向之行 事（例如，帳戶的餘額、將來的提存款預定、定期存款期 滿預定等）（以下稱爲「購買者行事」）將此保存於資料 庫。又日曆伺服器3 0 9亦將社會習慣或季節活動（例如 ’聖誕節、慶典、連假、假期等）之預定，作爲影響購買 者消費動向（例如，禮物、旅行、商品購買等）之購買者 行事記憶在資料庫。更者，日曆伺服器3 0 9接受購買者 透過購買者系統3 0 7，預先輸入購買者的個人活動（例 如，生日、車險、節日、婚喪祭典、保險期滿、契約更新 、旅行等），然後，該購買者所輸入之個人活動預定也作 爲影響購買者消費動向之購買者行事保存之。 日曆伺服器3 0 9從保存在資料庫的各種消息中，選 擇與上述購買者行事相關聯之消息（例如，對於禮物預定 之禮物用商品廣告、對於旅行預定之旅行服務廣告、對於 車檢之汽車廣告、或對於貸款的償還預定日之有利的貸款 廣告），換言之，選擇依照購買者消費動向之消息。接著 ，曰曆伺服器3 0 9將該被選擇之消息的通知日期（該消 息應該通知購買者的日期），根據上述購買者行事做最適 當決定。例如，各消息的通知日期，決定爲比對應於該消 息之購買者行事適當期間前的日期（例如，禮物預定曰一 個月前的日期、旅行預定日2個月前、車檢預定日的當天 、或貸款償還預定日2個月前等）。日曆伺服器3 0 9將 上述所選擇之消息，貼於上述消息日曆（第3 2、3 3、 3 4圖）之該消息通知日期的空間上，提供購買者系統 本纸張尺度適用中國國家標準（CNS ) A4規格（21〇><297公釐） --.--.---K----0—^----Ί--1T----- (請先閲讀背面之注意事項再填寫本頁) -46- 528971 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明説明（44 ) 3 0 7° 爲了執行上述處理，日曆伺服器3 0 9如第2 4圖所 顯示，具備提存款明細保存部3 1 1、帳單保存部3 1 2 、消息保存部3 1 3、購買者行事保存部3 1 5、資訊保 存處理控制部3 1 7以及日曆顯示控制部3 1 9。日曆伺 服器309的這些機能部311〜319，典型上係由電 腦程式實現之。 提存款明細保存部3 1 1中，係保存從銀行系統 3 0 5所收訊之購買者帳戶的提存款明細。在帳單保存部 3 1 2中，係保存從提供者系統3 0 1或電子賣場3〇3 所收訊之給購買者的帳單。消息保存部3 1 3中，係保存 從提供者系統3 0 1、電子賣場3 0 3及銀行系統3 0 5 所收訊之各種消息。購買者行事保存部3 1 5中，係保存 上述各種的購買者行事。 資訊保存處理控制部3 1 7，係辨識從提供者系統 3 0 1、電子賣場3 0 3、及銀行系統3 0 5所收訊之帳 單、提存款明細和消息，並各自保存於帳單保存部3 1 1 、提存款明細保存部3 1 2、和消息保存部3 1 3中。 日曆伺服器3 1 9，對於購買者系統3 0 7提供上述 帳戶管理日曆、消息日曆及其他幾個G U I畫面。日曆顯 示控制部3 1 9將帳戶管理日曆顯示於購買者系統3 0 7 時’各自從提存款明細保存部3 1 1 3買出所關聯之提存款 明細，從帳單保存部3 1 2讀出所關聯之帳單，將這些提 存款明細及帳單貼於帳戶管理日曆上的對應日期空間。此 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閱讀背面之注意事項再填寫本頁) -裝·IT I— ILT Pack-(Please read the notes on the back before filling out this page) Order Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs-39- 528971 V. Invention Description (37) 1 5 Send the deposit details to The calendar server 25 and the loan company system 7, the calendar server 25 and the loan company system 7 cancel the bill based on the deposit details (step S 1 7 6). Figure 22 shows the structure of a transaction and settlement management system according to the present invention when a leasing company exists as a provider. K; company 9 9 ′ holds credit claims to purchaser 1 or buys the credit claims from provider 5, and then uses the calendar server 2 5 to recover credit balances from buyer 1. The computer system (rental system) 97 of the leasing company 9 9 can communicate with the provider system 7 and the calendar server 2 5 through a predetermined communication network. The collection system 98 can communicate with the bank system 13 that maintains the buyer's account and the bank system 15 that maintains the 99 company's account. Figure 23 shows the outline of the overall processing of the system shown in Figure 22 (please read the precautions on the back before filling out this page). The Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs is printed in Figure 23. The provider is Electronic bill to buyer 1, for rent S 2 4 4). The leasing system 97 sends the time to the calendar server 25 (the server 2 5 receives from the leasing system 97 for the buyer system 3, the account S 2 4 6). The account information and the amount of the payment sent to the purchaser are confirmed when the purchaser 1 confirms and acknowledges it (step S247), the calendar system 7 pairs the lease system 9 7 and the lease system 9 7 requests collection (step the bill With immediate processing or at the predetermined step S 2 4 5). The calendar server's bills are stored in the database, and the contents of the bills are not displayed. (The bills in step 3 include deposit information, etc. The bills server 2 shown in the buyer system 3 5 Standards are applicable to China National Standard (CNS) A4 specifications (210X 297 mm) -40- 528971 A7 B7 V. Description of invention (38) (Please read the notes on the back before filling this page) 9 9 Banking system of account 1 5 Sending a collection request to pay the bill (step S 2 4 8). The bank system 15 uses the collection system 98 to execute a payment move from the buyer account of the bank system 13 to the lease company account of the bank system 15 The collection process of the amount (step S 2 4 9). The banking system 15 sends an end-of-collection notification to the calendar server 2 5 in real-time processing or at a predetermined time when the collection process ends. The calendar server 2 5 Receive the collection end notification, cancel the bill in the database (that is, update the status of the bill to paid), and send the collection end notification to the leasing system 9 7 (step S 2 5 0) In addition, the calendar servo The device 2 5 receives from the banking system 1 3 the withdrawal details of the buyer's account processed according to the above collection, and logs the withdrawal details to the database for immediate processing or at a predetermined time, the collection will be ended according to the withdrawal details The notification is sent to the purchaser system 3 (step S 2 51). The system of consumer cooperation of the Intellectual Property Bureau of the Ministry of Economic Affairs to print the above-mentioned embodiment is an example for explaining the present invention. Collection and checkout according to the present invention The management system can also be used for various purposes other than the above-mentioned embodiment. For example, in addition to fund management such as a deposit account set up in a bank, a deposit account set up in an insurance company, a deposit account set up in a securities company, etc. Invented transaction and settlement management system. In addition, the details of the electronic bill can be saved by the calendar server 25 in addition to the electronic banking system 2 1 '. And, as already mentioned above, the calendar server 25 or other The system can automatically generate a transfer message based on the above-mentioned electronic bill (to perform the electronic information of the transfer, for example, when displaying the electronic information When a transfer request is entered on the face, the transfer is automatically performed from the desired account to other desired accounts.) Furthermore, the provider system 7 This paper size applies the Chinese National Standard (CNS) A4 specification (210X297 mm) -41 -Printed by the Consumers 'Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 528971 A7 B7 V. Description of Invention (39)' Obtain an electronic bill and use the electronic bill (for example, a payment term mark included here) to estimate the scheduled deposit date ( For example, if the payment period is January 10, 2001, the scheduled deposit date is determined to be January 10, 2001, or according to the date C of the buyer 1's past withdrawal experience. For example, the payment period is 2 days before January 8, 2001) was decided as the scheduled deposit date). In addition, the buyer system 3 obtains an electronic statement, and uses the electronic statement (for example, a payment period mark included therein) to estimate the withdrawal date C. For example, if the payment period is January 1, 2001. "The withdrawal date is determined as January 10, 2001, or based on the date of purchaser 1's past withdrawal experience (for example, January 8, 2001 2 days before the payment period). Scheduled for withdrawal). That is, the provider 5 and the buyer 1 can easily predict the flow of funds. Hereinafter, a transaction, checkout, and message management system according to another embodiment of the present invention will be described. Fig. 24 is a block diagram showing the overall configuration of the transaction, checkout, and message management system of this embodiment. As shown in Figure 24, the provider system 3 〇1, the electronic store 3 0 3, the banking system 3 0 5, the buyer system 3 7, and the calendar server 3 0 9 are connected through the Internet and the like. communication. The provider system, the electronic store, the banking system, and the buyer system actually exist in the majority, but each of them is shown by only one representative in Figs. Provider system 3 0 1, will send the buyer's electronic bill (for example, including the buyer's personal information "name, address, phone number, birthday, etc.", billing number, automatic deduction date or payment period, request for payment Amount and purchase standard of this paper are applicable to China National Standard (CNS) Α4 specification (210 > < 297 mm) — r ---: ---- 0-¾ clothing ---- Γ--IT ---- -(Please read the notes on the back before filling this page) 42-528971 A7 B7______ V. Description of the invention (4〇) (Please read the notes on the back before filling this page) The account number of the provider and the account number of the provider And EDI information, etc.) 'Send to bank system 305 and calendar server 3 0 9 ° In addition' Provider system 3 0 1 to advertise the services or goods provided by the provider ' Commercial advertisements, etc., are sent to the calendar server 3 09 by the information that the provider wants the buyer to know (hereinafter referred to as "message"). Each message contains information such as the content of each message, the deadline condition (display date) that the buyer should know about the message, the condition (object) that the buyer should know about, and the content area and type of the message. Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs, the electronic store 3 03 is a system that provides all online shopping services for buyers for various goods (including goods in addition to services). Electronic store 3 0 3 When the purchaser purchases goods online, the electronic bill (for example, 'contains the purchaser's personal information "the purchaser's name, address, phone number, birthday, etc.", billing number, automatic deduction Payment date or payment period, payment amount, purchaser's account number, and provider's account number, etc.) 'to the banking system 305 and the calendar server 309. In addition, at the electronic store 3 0 3, at the end of the order acceptance, checkout, or shipping process, 'the e-mail with the subject line will be sent to the calendar server 3 0 9 and when the buyer accesses the calendar server 3 0 9', The buyer can be notified by SMS from the calendar server 309 for the fact that the buyer has accepted the order, checkout or the end of shipment processing. The banking system 305 manages the deposit accounts of buyers. The banking system 3 0 5 performs a withdrawal process on the buyer's account according to a request message from the provider system 3 0 1 or the electronic store 3 0 3, and details the electronic withdrawal (for example, including the item, the date of the withdrawal, the amount of the withdrawal, Balance and summary This paper applies the Chinese National Standard (CNS) A4 specification (210X297 mm) " " -43- 528971 A7 ______B7 _ V. Description of the invention (41) (Please read the precautions on the back before filling in this Page) and EDI corruption, etc.) to the calendar server 309. In addition, the "Bank F system 3 0 5" will be used to advertise various financial products or financial services provided by the bank ". The website URL of the bank or non-commercial advertising, etc., the information that the bank wants the buyer to know (hereinafter also referred to as" message "). ) Send a message to the calendar server 309. Each message contains information such as the content of the message, the time limit condition (display date) that the message should be made known to the buyer, the condition (object) that the message should be made known to the buyer, and the content area and type of the message. Furthermore, the 'banking system 305' is connected to an electronic banking system like the Internet banking system. For the buyer's system 7, it can provide bank inquiry services such as balance inquiry, account withdrawal details inquiry, and account transfer. In addition, the 'bank system 305' is provided with a button for accessing (jumping) the calendar server 309 on the GUI of the buyer system 307 which uses the electronic banking system. Therefore, on the GUI screen of the banking system 305 displayed by the buyer system 307, when the button is pressed by the buyer with the pointing device, the buyer system 307 is connected to the calendar server 309 ° Ministry of Economy The Intellectual Property Bureau employee consumer cooperative prints the buyer system 307, which has the ability to access various services on the Internet (typically equipped with an Internet connection function and WWW browser), such as personal computers, mobile phones, PDA, etc., but not limited to these examples. The buyer uses the buyer system 3 07, accesses the electronic store 3 0 3 to perform online shopping, and can also access the banking system 3 0 5 through the electronic banking system to check the balance, check the details of the deposit or perform an account transfer, etc. The buyer uses the buyer system 3 7 to access the calendar server. The paper size is applicable to the Chinese National Standard (CNS) A4 specification (2 Shu 297 mm) -44- 528971 A7 _B7_ V. Description of the invention (42) (Please read first Note on the back, please fill in this page again) 3 0 9, as shown below, you can read the bills sent from the provider system 3 0 1 and the electronic store 3 0 3 or the buyers sent from the bank system 3 0 5 Withdrawal information of the account, you can send payment requests for these bills to the bank system 305. You can also view various messages transmitted from the provider system 301, the electronic store 303, and the bank system 305. . In the method of the buyer using the buyer system 3 0 7 to access the calendar server 3 0 9, the user can jump from the displayed GUI screen to the calendar server 3 0 when checking in to the electronic banking system of the bank system 3 5. 9 methods, or a method of directly accessing the calendar server 309, or a method of jumping from the provider's webpage to the calendar server 309, and other methods. The calendar server 3 09 provides the buyer system 3 0 7 with two calendar screens dedicated to the buyer (refer to FIGS. 25, 26, 32, 33, and 34). The first calendar screen (pictures 25 and 26) is called the "account management calendar", and the second calendar screen (pictures 32, 33, 3 and 4) is called the "message calendar". The Account Management Calendar (Figures 25 and 26) printed by the Employee Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs is posted with the information transmitted to the purchaser from the supplier system 3 0 1, the electronic store 3 0 3, and the banking system 3 0 5 Electronic billing and withdrawal details for purchaser accounts. In the message calendar (pictures 3, 2, 3, 3, and 4), the messages transmitted from the provider system 301, the electronic store 303, and the banking system 305 correspond to the purchase trends of buyers. Calendar server 3 0 9 selected messages. Calendar server 309, from the bills received to buyers and this paper size apply Chinese National Standard (CNS) A4 specifications (210X297 mm) '" -45- Employee Consumer Cooperatives, Intellectual Property Bureau, Ministry of Economic Affairs Printed 528971 A7 B7 V. Description of the Invention (43) Details of withdrawals from the purchaser's account, which are presumed to affect purchasers' consumption trends (for example, account balances, future deposit withdrawal plans, time deposit maturity plans, etc.) (below (Called "buyers acting") to keep this in a database. The calendar server 3 0 9 also makes reservations for social habits or seasonal events (such as' Christmas, celebrations, holidays, holidays, etc.) as purchases that affect purchase trends (such as gifts, travel, and product purchases). Those who act are memorized in the database. Furthermore, the calendar server 3 0 9 accepts the purchaser's personal activities (for example, birthdays, auto insurance, festivals, weddings and funerals, insurance expiration, contract renewal, travel, etc.) through the purchaser system 3 7 in advance. Then, the personal activity plan entered by the purchaser is also stored as a purchaser that influences the purchase trend of the purchaser. The calendar server 309 selects messages associated with the purchaser's actions from various messages stored in the database (for example, advertisements for gifts for gift reservations, advertisements for travel services for travel reservations, and advertisements for car inspections). Car advertisements, or loan advertisements that are good for the scheduled repayment date of the loan), in other words, choose to follow the news of purchase trends of buyers. Next, the calendar server 309 will notify the selected message (the date when the message should be notified to the purchaser) and make the most appropriate decision based on the purchaser's actions. For example, the notification date of each message is determined to be a date before the appropriate period for the purchaser corresponding to the message (for example, one month before the gift reservation date, two months before the travel reservation date, and the day of the car inspection reservation date). , Or 2 months before the scheduled loan repayment date). The calendar server 3 0 9 pastes the above selected message on the space of the date of notification of the message in the above message calendar (pictures 3, 2, 3, 3, and 4), and provides the buyer system. Standard (CNS) A4 specification (21〇 < 297 mm) --.--.--- K ---- 0-^ ----—-- 1T ----- (please first Read the notes on the back and fill in this page) -46- 528971 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 B7 V. Description of the invention (44) 3 0 7 ° In order to perform the above processing, the calendar server 3 0 9 As shown in the figure 2 and 4, there are a deposit details storage section 3 1 1, a bill storage section 3 1 2, a message storage section 3 1 3, a buyer's behavior storage section 3 1 5, an information storage processing control section 3 1 7 and a calendar. Display control section 3 1 9. These functional units 311 to 319 of the calendar server 309 are typically implemented by a computer program. Withdrawal deposit details storage section 3 11 stores the withdrawal details of the buyer's account received from the banking system 305. The bill storage section 3 12 stores bills received from the provider system 301 or the electronic store 303 to the buyer. The message storage unit 3 1 3 stores various messages received from the provider system 3 01, the electronic store 3 0 3, and the banking system 3 0 5. In the buyer action storage unit 3 1 5, various buyer actions described above are stored. The information storage processing control unit 3 1 7 identifies the bills, withdrawal details and messages received from the provider system 3 0 1, the electronic store 3 0 3, and the banking system 3 0 5 and stores them in the bills separately. The storage section 3 1 1, the withdrawal details storage section 3 1 2, and the message storage section 3 1 3. The calendar server 3 1 9 provides the above-mentioned account management calendar, message calendar, and several other GUI screens for the buyer system 3 7. The calendar display control unit 3 1 9 displays the account management calendar on the purchaser system 3 0 7 'respectively withdraws the relevant withdrawal details from the deposit details storage portion 3 1 1 3 and reads them from the bill storage portion 3 1 2 For associated bills, paste these withdrawal details and bills into the corresponding date space on the account management calendar. This paper size applies to China National Standard (CNS) A4 (210X297 mm) (Please read the precautions on the back before filling this page)
、1T -47- 528971 A7 _____B7 五、發明説明（45 ) 外，日曆顯示控制部3 1 9顯示消息日曆時，從購買者行 事保存部3 1 5讀出購買者行事（例如，貸款償還預定曰 、定期存款期滿日、生日、車檢預定日、慶典預定日、旅 行預定日、聖誕節、假期預定期間等），接著將與購買者 行事相關聯之消息從消息保存部3 1 3抽出，將所抽出之 消息的通知日期，根據對應之購買者行事的日期做最適當 決定，然後將該抽出之消息，登載於消息日曆之通知日期 的空間上。 再者，日曆顯示控制部3 1 9對應於來自購買者系統 3 0 7的要求，將爲了輸入購買者的個人活動之畫面提供 於購買者系統3 0 7，接著於該畫面購買者所輸入之活動 預定保存於購買者行事保存部3 1 5。 更者，日曆顯示控制部3 1 9收訊來自提供者系統 3〇1或電子賣場3 0 3以電子郵件等給購買者的帳單時 ，將該主旨顯示於購買者系統3 0 7的G U I畫面上。 以下，針對日曆顯示控制部3 1 9提供購買者系統 3 0 7各種G U I畫面加以詳述。 第2 5圖係表示日曆顯示控制部3 1 9提供購買者系 統3 0 7之主畫面的構成。 主畫面3 2 1係由表單領域3 2 3與日曆領域3 2 5 所構成。 表單領域3 2 3中，顯示表示「月顯示」表單3 2 9 、「週顯示」表單331、 「日顯示」表單333及「電 子帳簿」表單3 3 5，選擇何種顯示方法之箭頭符號。在 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閱讀背面之注意事 •項再填· :寫本頁) 經濟部智慧財產局員工消費合作社印製 -48 - 528971 A7 _________B7 五、發明説明（46 ) (請先閲讀背面之注意事項再填寫本頁) 該主畫面3 2 1上，以滑鼠或筆式觸控板等指標裝置按下 「月顯示」表單3 2 9時，顯示每月的帳戶管理日曆或消 息日曆。此外，按下「週顯示」表單3 3 1時，顯示每週 的帳戶管理日曆或消息日曆，按下「日顯示」表單3 3 3 時，在帳戶管理日曆或消息日曆上即某程度地詳細顯示所 指定之日的帳單或提存款資訊。又，按下「電子帳簿」表 單3 3 5時，購買者帳戶的存款帳簿內容顯示於該主畫面 3 2 1 上。 日曆領域3 2 5中，設有帳戶管理日曆標籤3 3 7， 和消息日曆標籤3 3 9和年月日顯示領域3 4 1。按下帳 戶管理日曆標籤3 3 7時，帳戶管理日曆領域3 2 6之帳 戶管理日曆4 0 0即顯示於前；按下消息日曆標籤3 3 9 時，消息日曆領域3 6 3之消息日曆4 1 1即顯示於前（ 參照第3 2圖）。年月日顯示領域3 4 1中，如後述般， 係以對應於購買者所選擇之顯示方法，亦即，月顯示、週 顯示、或日顯示之狀態，顯示年月日。 經濟部智慧財產局員工消費合作社印製 日曆顯示控制部3 1 9在該主畫面3 2 1上，按下帳 戶管理日曆標籤3 3 7及「月顯示」表單3 2 9時，如第 2 5圖所顯示，以對應於月顯示之狀態於年月日顯示領域 3 4 1顯示年月日，同時顯示現在的月份或購買者所指定 月份之帳戶管理日曆4 0 0於帳戶管理日曆領域3 2 6上 〇 選擇「月顯示」時的年月日顯示領域3 4 1中’顯示 現在的年月日（在此爲「200 1年6月26日」）或購 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -49- 528971 A7 ____B7___ 五、發明説明（47 ) 買者所指定之年月日，與爲了指定購買者所希望年月之年 月指定表單343。年月指定表單343中，顯示爲了指 定於現在所顯示年份之所希望月份的「1月」〜「1 2月 」表單，與爲了指定現在所顯示之年份的前一年的「朝前 年」表單，與爲了指定現在所顯示之年份的隔年的「朝隔 年」表單。且，年月指定表單343的「6月」文字係以 四角形框住，即表示現在所顯示之月份爲6月。 每月的帳戶管理日曆，例如圖示的2 0 0 0年6月的 帳戶管理日曆4 0 0中，於2 0 0 0年6月代表購買者帳 戶的提存款明細和提存款預定和給購買者的帳單之記號（ 圖示及文字列），係各自貼於提存款日期及帳單收訊曰期 的空間上。各記號係由圖示及文字列所構成。例如，自動 扣款或現金提領等的提款明細記號爲「一（負數）」的圖 示，薪資轉帳等的存款明細記號爲「+(正數）」的圖示 。此外，例如在餘額不足等提款失敗的提款預定或支付期 限已過之帳單上附加「丨」的圖示，已支付之帳單上爲「 已」的圖示，支付期限未過且尙未支付之帳單上爲「未」 的圖示。 購買者從該帳戶管理日曆4 0 0，可以一眼把握 2 0 0 0年6月自己的提存款明細狀況或請款狀況槪要。 例如，於6 / 1 (星期四）水費及電費的自動扣款被執行 ;6 / 2 (星期五）執行現金提款；6 / 5 (星期一）瓦 斯費的自動扣款以及轉帳至自己的帳戶；6 / 6 (星期二 )爲支付期限之攜帶電話費尙未繳納以及6 / 6 (星期二 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公餐） — =---K----9—^ —— (請先閱讀背面之注意事項再填寫本頁) 訂 經濟部智慧財產局員工消費合作社印製 -50- 經濟部智慧財產局員工消費合作社印製 528971 A7 B7 五、發明説明（48 ) )付費電視（P T V )收訊費用自動扣款；6 / 7 (星期 三）現金提款；6 / 9 (星期五）薪資轉帳被執行；6 / 1 2 (星期一）A B C信用卡貸款的自動扣款被執行；6 / 2 1 (星期三）爲在電子賣場3 0 3購入T恤的請款金 額之支付期限且已經支付；以及6 / 2 8 (星期三）爲在 電子賣場3 0 3購入運動鞋的請款金額之支付期限但尙未 支付，購買者可以一眼把握這些事件（再者，圖示之帳戶 管理日曆4 0 0的6 / 2 6欄以斜線顯示，係表示此爲現 在的年月日）。 如上所述，於日曆上顯示帳戶（帳簿）資訊以及帳單 ，因此對購買者而言，不但每日，甚至每月、每週的資金 流動都很容易管理，且比起帳簿僅簡單以列表顯示，也更 容易看懂。 再者，在該主畫面3 2 1的所定地方，雖然沒有圖示 ，但於日曆伺服器3 0 9，當來自提供者系統3 0 1或電 子賣場3 0 3的帳單以電子郵件等被傳送來時，以即時處 理或在所定時間該主旨的訊息（例如，「於7月的帳戶管 理日曆已登載帳單」等）。據此，購買者可從以電子郵件 收訊之多種多樣的資訊（朋友、熟人、家人的資訊，公司 、工作的資訊、直接郵件等）之中找尋與帳單、利用明細 書有關郵件這樣繁瑣的工作中解脫，十分便利。 如第2 5圖所顯示，於顯示每月帳戶管理日曆4 0〇 之主畫面3 2 1中，購買者只要執行所定的操作，即可顯 示更詳細的帳戶（帳簿）資訊以及帳單。例如，第2 5圖 本紙張尺度適用中國國家標準（ CNS ) A4規格（210X297公釐) " -51 - 裝 ； 訂 (請先閲讀背面之注意事項再填寫本頁) 528971 A 7 B7 五、發明説明（49 ) 所顯示之主晝面3 2 1中，指定帳戶管理日曆4 0 0的6 / 4〜6 / 1 〇的任一欄後按下「週顯示」表單3 3 1 ( (請先閱讀背面之注意事項再填寫本頁) 或者按下帳戶管理日曆4 0 0的6 / 4欄左側之「週顯示 」表單3 34)時，帳戶管理日曆領域326中’即顯示 關於6/4〜6/1 0這週的帳戶管理日曆。 第2 6圖，係表示顯示每週的帳戶管理日曆之主畫面 的例子。 在第2 6圖中，於年月日顯示領域3 4 1 ’對應於週 顯示之狀態下顯示年月日。例如，如該圖所顯示’係顯示 購買者所指定之週6/4〜6/1 0，與週選擇表單 3 4 5。週選擇表單3 4 5中，例如，係顯示關於購買者 所指定週的月份「6月」的全部週數5/2 8〜6/3 ’ 6/4 〜6/1 〇，6/18 〜6/24，6/25 〜7 / 1。購買者，只要從其中指定（按下）所希望的週，關 於該所希望週的帳戶資訊及帳單即可顯示於帳戶管理日曆 領域3 2 6。 經濟部智慧財產局員工消費合作社印製 帳戶管理日曆領域3 2 6中，關於購買者所指定之週 6 / 4〜6 / 1 0的提存款明細以及帳單，比月顯示時更 詳細地被顯示。例如，顯示關於該週之提存款明細以及帳 單的「日·星期」、「項目（槪要）名」、和「交易金額 / g靑款金額」。 於第2 6圖所顯示之每週的帳戶管理日曆中，按_ 買者所希望的日期（例如6 / 6 )空間，按下日顯示表胃 3 3 3 (或者雙撃每週的帳戶管理日曆之6/6的空帛） 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -52- 528971 經濟部智慧財產局員工消費合作社印製 A7 ___ B7_ __五、發明説明（5〇 ) ，即於帳戶管理日曆領域3 2 6顯示每日（亦即6 / 6 ) 之帳戶管理日曆。（且，即使指定每月的帳戶管理日曆中 所希望日期空間，按下日顯示表單3 3 3，也可以顯示每 日的帳戶管理日曆。） 第2 7圖係表示顯示每日的帳戶管理日曆之主畫面的 例子。 如第2 7圖所顯示，帳戶管理日曆領域3 2 6中，於 購買者所指定之臼（例如2 0 0 〇年6 / 6 )之提存款明 細以及帳單某種程度地詳細顯示。例如，關於自動扣款完 成之「P T V收訊費」，作爲「提存款明細」資訊，顯示 該自動扣款被執行之帳戶（帳簿）的資訊（例如「◦ X銀 行、豐洲分行、一般帳戶、帳戶號碼：0 1 2 3 4 5 6」 )’和交易之「項目名（P T V收訊費）」，.和該「交易 金額（日幣2 6 4 0元）」，和交易（自動扣款）後的「 餘額（例如日幣3 4 8 2 4 0元）」。此外，關於被通知 無法執行自動扣款之帳單的「行動電話費」，顯示該帳單 的，例如「企業名（如A A移動通信網）」、「服務名（ 如a b c d )」、「帳單號碼（如〇1 2 3 4 5 )」、「 請求期限（例如2 0 0 0年6月3 0日）」、和「請0欠金 額（日幣1 1 9 1 5元）」，更顯示支付按鍵3 4 7。 購買者一按下按鍵3 4 7，主晝面3 2 1即切換爲第 2 8圖所顯示之晝面。 第2 8圖係表示，於第2 7圖顯示之每日帳戶管理日 曆中彳女下某帳早的支付按鍵3 4 7時切換所顯#之^書胃， 1紙張尺度適用中國國家標準（〇奶）八4規格（210><297公釐) ' --- -53- (請先閲讀背面之注意事 蚌 •項再填· 裝-- :寫本頁) 訂 528971 A7 ———^_B7 — 五、發明説明（51 ) 顯$該帳單詳細內容之主畫面的例子。 (請先閲讀背面之注意事項再填寫本頁) 如第2 8圖所顯示，帳戶管理日曆領域3 2 6中，係 顯示帳單的最詳細內容（例如，包含請款金額的細目等） ’此外，也顯示支付按鍵3 4 9。購買者按下支付按鍵 3 4 9，主畫面3 2 1即切換爲第2 9圖所顯示之畫面。 第2 9圖係表示，在第2 8圖的主畫面上按下支付按 鍵3 4 9時切換顯示之畫面，爲選擇支付帳戶之主畫面的 例子。 如第2 9圖所顯示，帳戶管理日曆領域3 2 6中，顯 示「轉帳帳戶選擇」表單3 5 0，此外也顯示支付按鍵 351。在轉帳帳戶選擇表單350，係一覽顯示預先登 錄至日曆3 0 9之購買者的全部存款帳戶的「分行名」、 「項目」、「帳戶號碼」、「存款餘額」、「餘額確定日 時」。又各帳戶的顯示中附有選單鈕。 經濟部智慧財產局員工消費合作社印製 購買者按下有請款金額以上之存款餘額的所希望帳戶 之選單鈕（例如3 5 3 )作選擇，然後按下支付按鍵 351。於是，第29圖所顯示之主畫面321 ，切換爲 第3 0圖所顯示之支付條件確認用的畫面。 如第3 0圖所顯示，帳戶管理日曆領域3 2 6中，顯 示支付方之購買者帳戶資訊、支付目的之提供者帳戶資訊 、及支付金額等的支付條件。亦顯示針對購買者帳戶之密 碼的輸入領域和支付按鍵3 5 5。 確認該支付條件後，購買者輸入購買者帳戶之密碼， 按下支付按鍵3 5 5。根據此操作，支付（帳戶轉帳）請 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -54- 528971 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明説明（52 ) 求電文自動地發送至銀行3 0 5，並執行支付處理。 若根據上述的帳戶管理日曆，購買者之提存款明細及 帳單槪要，以及帳單狀態（未支付、已支付、期限已過等 )’顯示於對應日期之空間。此外，針對未支付之帳單， 可以按下指標裝置的極簡單操作執行支付。 再者，第2 5圖〜第3 0圖所舉例子的主畫面3 2 1 中’購買者若按下顯示方法選擇表單領域3 2 3上所顯示 之「電子帳簿」表單3 3 5，如第3 1圖所示，顯示購買 者帳戶的過去提存款明細依日期順序列表顯示之電子帳簿 〇 此外，第2 5圖〜第3 0圖所舉例子的主畫面3 2 1 中，購買者按下消息日曆的標籤3 3 9，如第3 2圖所顯 示之消息日曆4 1 1即顯示於前。 第3 2圖係表示顯示每月消息日曆之主畫面的例子。 如第3 2圖所顯示，消息日曆領域3 6 3被配置至前 方，於此顯示每月的消息日曆4 1 1。 此外，打開購買者行事視窗3 6 5，於此依日期順序 列表顯示從購買者行事保存部3 1 5所讀出之購買者行事 。例如，在1月欄中顯示「長女成人禮（1 / 1 5 )」； 2月欄中顯示「溫泉（2 / 1 ◦〜2 / 1 4 )」；4月欄 中顯示「次女中學開學典禮（4 / 3 )」；5月欄中顯示 「出差（5/20〜5/23)」；6月欄中顯示「車檢 (6/19)」' 「借貸契約更新（6 / 9 )」、以及「 翻新（6 / 2 9 )」；7月欄中顯示「次女生日（7 / 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） --=---L----裝----：---訂----- (請先閱讀背面之注意事項再填寫本頁) -55- 528971 A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明説明（53 ) 1 2 )」以及「結婚典禮（7 / 4 )」；1 2月欄中顯示 「聖誕節（1 2 / 2 5 )」。 再者，於購買者行事視窗3 6 5中，顯示預定登錄按 鍵367。購買者若按下預定登錄按鍵367，顯示第 3 5圖所舉例子之活動預定登錄畫面。購買者在該活動預 定登錄畫面上，可自由地輸入自己的活動預定。此點於後 詳述。 在第3 2圖所顯示之消息日曆4 1 1中，貼有依據日 曆顯示控制部3 1 9從消息保存部3 1 3抽出與購買者行 事相關聯之消息，各消息所貼附之日期空間中，顯示各消 息之表示記號（例如，表示該消息槪要之文字列）。各消 息所貼附之日期，係僅比對應於各消息之購買者行事日期 之所定期間（例如，0日、1天前、1週、1個月、2個 月等）爲早的日期。該所定期間，係包含於來自提供者系 統，3 0 1、電子賣場3 0 3或銀行系統3 0 5之日曆伺服 器3 0 9所收訊之該消息的資料中，作爲上述期間的條件 (顯示期間）値。 例如，如第3 2圖所顯示，對於「結婚典禮（7 / 4 )」的購買者行事，於該日期1個月前之消息日曆的6 / 4空間中，登載與結婚典禮關聯之「結婚小額貸款」或「 禮物資訊」的消息。上述所謂1個月前之期間條件，係包 含於「結婚小額貸款」以及「禮物資訊」之資料中的値。 又對於「次女生日（7 / 1 2 )」之購買者行事，於該日 期的1個月前之消息日曆的6 / 1 2空間上，登載「女生 (請先閲讀背面之注意事 蚌 項再填· 裝-- :寫本頁) •豐_ 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -56- 528971 A7 B7 五、發明説明（54 ) 喜歡之禮物」的消息。上述所謂1個月前的期間條件，係 包含於「女生喜歡之禮物」之資料中的値。此外，對於根 據在每月1 2日從購買者帳戶執行貸款償還扣款之存款明 細的購買者行事，消息日曆之6 / 1 2欄中登載「貸款轉 貸資訊」之消息。再者，對於「車檢（6 / 1 9 )」之購 買者活動，在當日的消息日曆6 / 1 9欄中，登載提供因 車檢大量花費之「〇X貸款資訊」、「新車資訊」、「便 宜中古車資訊」等消息。上述所謂當日的期間條件，係包 含於「◦ X貸款資訊」、「新車資訊」及「便宜中古車資 訊」中的値。 購買者想了解該消息日曆4 1 1所登載之消息的更詳 細內容時，將該每月的消息日曆切換爲每週或每曰。 第3 3圖係表示顯示每週的消息日曆之主晝面的例子 0 第3 3圖所顯示之每週的消息日曆4 1 3係關於6 / 1 8 (星期日）〜6 / 2 4 (星期六）之畫面。該消息日 曆4 1 3的1 9日（星期一）欄中，除了消息槪要（例如 「〇X貸款資訊」、「新車資訊」、「便宜中古車資訊」 )外，也登載各消息的簡單說明或與各消息關聯之網頁的 URL等。購買者只要按下登載之URL中所希望的 U R L，即可顯示該u R L的網頁。 例如在第3 3圖中，按下「〇X貸款資訊」的U R L 「http://www.OXbank.co.jp/loandirect」’如弟 3 4 圖所顯 示，即顯示記載關於〇X貸款資訊之網頁4 7 1。 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閲讀背面之注意事' 4— ▼項再填‘ 裝— 寫本頁) 經濟部智慧財產局員工消費合作社印製 -57- 528971 Α7 Β7 五、發明説明（55 ) (請先閲讀背面之注意事項再填寫本頁) 如上述，消息係登載於消息日曆上，根據購買者行事 所決定之日期的地方。再者，顯示消息之時機也可適當地 δ又定。例如，第3 2圖的消息日曆4 1 1的6 / 4欄中所 頌示之消息「結婚小額貸款資訊」，可以到了 6 / 4時第 ~次顯示，也可在之前（例如輸入7 / 4有婚宴的活動後· )顯示。 第3 5圖及第3 6圖係表示活動預定登錄畫面的例子 〇 該活動預定登錄晝面，如上述般，係購買者按下第 3 3圖或第3 4圖所顯示之購買者行事視窗3 6 5內的預 定登錄按鍵3 6 7而顯示。 該活動預定登錄晝面3 7 3中，可以輸入活動屬性， 例如「日期」、「標題」、「關係者」、「活動領域」以 及「活動種類」等。 經濟部智慧財產局員工消費合作杜印製 亦即，購買者輸入該活動的開始與結束的日期作爲「 曰期」。作爲「標題」，可以輸入該活動的名稱或槪要等 任意文字列（輸入至「標題」之文字列，列表顯示於購買 者行事視窗3 6 5 )。作爲「關係者」，可輸入與該活動 有關係之人的屬性（例如，與購買者的親屬關係、性別、 年齡等）。作爲「活動領域」，可輸入該活動所屬之大範 疇（例如「商業」、「娛樂」、「運動」、「興趣」、「 旅行」、「汽車•機車」、「居住」或「祝賀」等）。 輸入上述的「日期」到「活動領域」後，按下〇Κ按 鍵3 7 5，活動種類領域3 7 4中，顯示署於在「活動領 本紙張尺度適用中國國家標準（CNS ) Α4規格（210X297公釐） -58- 528971 A7 B7 五、發明説明（56 ) (請先閱讀背面之注意事項再填寫本頁) 域」所選擇之大範疇的更詳細範圍（活動種類）的列表， 和關鍵字輸入欄3 7 7。於該活動種類領域3 7 4中，作 爲「活動種類」，可以選擇任意的詳細範圍或輸入任意的 關鍵字。 活動屬性的全部項目輸入結束後，購買者按下登錄按 鍵3 7 9。據此，在活動預定登錄畫面3 7 3已輸入之活 動，作爲購買者行事，保存於購買者行事保存部3 1 5。 第3 7圖係表示爲選擇並顯示如上述遵照購買者之消 費動向的消息，日曆伺服器3 0 9所執行之處理流程。 於第3 7圖所顯示之購買者預定登錄處理中，日曆伺 服器3 0 9於購買者預定登錄之處理，將如第3 5圖及第 3 6圖所例舉之活動預定登錄畫面顯示於購買者.系統 3 0 1，接受購買者輸入活動日期、標題、關係者、領域 、種類等屬性（步驟S 3 0 1 )。接著日曆伺服器3 0 9 ’將購買者所輸入之活動屬性作爲購買者行事登錄至資料 庫（購買者行事保存部3 1 5 )(步驟S 3 0 2、 經濟部智慧財產局員工消費合作社印製 S 3 0 3 )。再者，第37圖雖無顯示，日曆伺服器 3 0 9也根據所收訊之購買者帳戶的提存款明細，推測定 期的存款預定，作爲購買者行事登錄至資料庫（購買者行 事保存部3 1 5 )。更者，第3 7圖雖未顯示，日曆伺服 器3 0 9也將社會習慣之活動作爲購買者行事登錄至資料 庫（購買者行事保存部3 1 5 )。 此外，於第3 7圖所顯示之消息登錄處理，日曆伺服 器3 0 9從提供者系統3 0 1、電子賣場3 0 3及銀行系 本紙張尺度適用中國國家標準（CNS ) A4規格（210X29?公釐） -59- 528971 A7 --B7 五、發明説明（57 ) (請先閲讀背面之注意事項再填寫本頁) ’統3 0 5收訊消息資料（步驟s 3 1 1 )，將所收訊之消 息資料登錄至資料庫（消息保存部3 1 3 )(步驟 S 3 1 2、S 3 1 3 )。各消息資料中，包含該消息之內 谷 _不日期（亦即，指定通知日期比活動日早多久的期 間條件）、對象者、領域、種類等條件。 第3 7圖所顯示之消息顯示處理中，日曆伺服器 3 Q 9 ’將所定期間（例如，今年1年）中發生之購買者 ί了事從資料庫（購買者行事保存部3 1 5 )讀出，列表顯 牙:爲第3 2圖所例舉之購買者行事視窗3 6 5 (步驟 S 3 2 1 )。接著，日曆伺服器309將具有符合這些購 胃者行事屬性之條件的消息從資料庫（消息保存部3 1 3 )讀出，各消息的通知日期，係由各消息的期間條件和符 合各消息之購買者行事的日期和各消息的期間條件所決定 °然後’日曆伺服器3 0 9將具有應顯示之消息日曆的期 間（例如，特定月份、特定週或特定的日子）內傳來之通 知曰期的消息，貼在消息日曆之該通知日期的空間，將該 消息日曆顯示於購買者系統7 (步驟S 3 2 2 )。 經濟部智慧財產局員工消費合作社印製 如上述，若根據本實施形態之消息日曆4 1 1 ，遵照 購買者之消費動向的消息，於比實際消費被執行更早的適 當時期提供給購買者。據此，購買者可以有效地利用該消 息。提供者，可將該消息提供有效地與服務或商品販賣加 以聯繫。 以上，說明本發明之合適的實施形態，但此爲說明本 發明之案例，本發明之範圍並不限定於此。亦可不脫離本 本紙張尺度適用中國國家標準（CNS ) A4規格（2ΐ〇χ297公釐） -60- 528971、 1T -47- 528971 A7 _____B7 V. Description of the invention (45) In addition, when the calendar display control unit 3 1 9 displays the message calendar, the buyer's actions are read from the buyer's action holding unit 3 1 5 (for example, the loan repayment schedule is , Expiration date of fixed deposit period, birthday, scheduled car inspection date, scheduled holiday date, scheduled travel day, Christmas day, scheduled holiday period, etc.), and then extract the information related to the purchaser's actions from the message storage section 3 1 3, The most appropriate decision is made on the date of notification of the extracted message according to the date on which the corresponding purchaser acted, and then the extracted message is posted on the space of the notification date of the message calendar. In addition, the calendar display control unit 3 1 9 responds to a request from the purchaser system 3 0 7 and provides a screen for inputting the personal activity of the purchaser to the purchaser system 3 7. The event is scheduled to be stored in the buyer's action storage section 3 1 5. In addition, when the calendar display control unit 3 1 9 receives the bill from the provider system 3 01 or the electronic store 3 0 3 by e-mail, etc., the subject is displayed on the GUI of the buyer system 3 7 Screen. In the following, various calendar screens provided by the calendar display control unit 3 1 9 to the buyer system 3 07 are described in detail. Fig. 25 is a diagram showing the configuration of the main screen of the calendar display control section 3 119 providing the buyer system 307. The main screen 3 2 1 is composed of a form field 3 2 3 and a calendar field 3 2 5. In the form field 3 2 3, an arrow symbol indicating a display method of "Monthly Display" sheet 3 2 9, "Weekly Display" sheet 331, "Day Display" sheet 333, and "Electronic Account Book" sheet 3 3 5 is displayed. Applicable to China Paper Standard (CNS) A4 (210X297 mm) on this paper scale (Please read the notes on the back • Items and then fill in:: Write this page) Printed by the Intellectual Property Bureau of the Ministry of Economic Affairs Consumer Cooperatives -48-528971 A7 _________B7 V. Description of the invention (46) (Please read the precautions on the back before filling out this page) On the main screen 3 2 1 use the mouse or pen touchpad and other pointing devices to press the “Monthly Display” form 3 At 29:00, a monthly account management calendar or message calendar is displayed. In addition, when the "Weekly display" form 3 3 1 is pressed, a weekly account management calendar or message calendar is displayed, and when the "Day display" form 3 3 3 is pressed, the account management calendar or message calendar is somewhat detailed Shows billing or withdrawal information for the specified day. When the "electronic account book" form 3 3 5 is pressed, the contents of the deposit account book of the purchaser's account are displayed on the main screen 3 2 1. The calendar area 3 2 5 includes an account management calendar label 3 3 7, and a message calendar label 3 3 9 and a year, month, and day display area 3 4 1. When the account management calendar tab 3 3 7 is pressed, the account management calendar area 3 2 6 of the account management calendar 4 0 0 is displayed in front; when the message calendar tab 3 3 9 is pressed, the message calendar area 3 6 3 of the message calendar 4 1 1 is displayed in front (refer to Figure 32). The year, month, and day display area 3 4 1 displays the year, month, and day in a state corresponding to the display method selected by the purchaser, that is, month display, week display, or day display, as described later. Department of Economics, Intellectual Property Bureau, Employee Consumer Cooperative Printed Calendar Display Control Department 3 1 9 On the main screen 3 2 1, press the Account Management Calendar tab 3 3 7 and the "Month Display" form 3 2 9 as shown in Section 2 5 As shown in the figure, the area corresponding to the month is displayed in the year, month, and day display area 3 4 1 The year, month, and day are displayed, and the current month or the account management calendar specified by the purchaser is displayed 4 0 0 in the account management calendar field 3 2 6 On the display area of the year, month, and day when "Month Display" is selected, 3 4 1 'shows the current year, month, and day (here, "June 26, 2001") or the paper standard purchased in accordance with Chinese national standards ( CNS) A4 specification (210X297 mm) -49- 528971 A7 ____B7___ V. Description of the invention (47) The year, month and day specified by the buyer, and the year and month designation form 343 for the year and month specified by the buyer. The year and month designation form 343 displays a "January" to "12 February" form for designating a desired month in the year currently displayed, and a "front year" form for designating a year before the year currently displayed , And the "Next Year" form to specify the next year in the year shown now. In addition, the text "June" in the year and month designation form 343 is enclosed in a quadrangle, which means that the currently displayed month is June. Monthly account management calendar, such as the illustrated account management calendar of June 2000, in June 2000 on behalf of the buyer account withdrawal details and withdrawal reservations and purchases in June 2000 The mark (icon and text bar) of the person's bill is posted on the space of the date of withdrawal and the date of receipt of the bill. Each symbol is composed of icons and character strings. For example, the drawing details of automatic deductions or cash withdrawals are "one (negative)", and the details of deposits such as salary transfers are "+ (positive)". In addition, for example, the icon "丨" is attached to a bill that has failed to withdraw or the payment period has expired, such as insufficient balance, and the "paid" icon is displayed on the bill that has been paid.图示 The icon of "Not" on unpaid bills. The buyer manages the calendar 400 from this account, and can grasp at a glance the details of his own withdrawal or claim status in June 2000. For example, automatic deduction of water and electricity bills will be executed on 6/1 (Thursday); cash withdrawal will be executed on 6/2 (Friday); automatic deduction of gas fee on 6/5 (Monday) and transfer to your account ; 6/6 (Tuesday) is the mobile phone fee for the payment period 尙 unpaid and 6/6 (Tuesday this paper size applies Chinese National Standard (CNS) A4 specifications (210X297 public meals) — = --- K ---- 9— ^ —— (Please read the notes on the back before filling out this page) Order printed by the Intellectual Property Bureau's Consumer Cooperatives of the Ministry of Economics -50-Printed by the Intellectual Property Bureau's Consumer Cooperatives of the Ministry of Economics 528971 A7 B7 V. Description of the invention ( 48)) Pay TV (PTV) receiving fee automatic deduction; 6/7 (Wednesday) cash withdrawal; 6/9 (Friday) salary transfer is performed; 6/12 (Monday) ABC credit card loan automatic deduction The payment was executed; 6/2 1 (Wednesday) is the payment period for the purchase amount of the T-shirt at the electronic store 3 0 3 and has been paid; and 6/2 8 (Wednesday) is the purchase of sports shoes at the electronic store 3 3 The payment period of the requested amount but the payment is not paid, purchase You can grasp these events at a glance (in addition, the 6/2 6 column of the account management calendar 400 shown in the figure is displayed as a slash, indicating that this is the current year, month, and day). As mentioned above, the account (book) information and bills are displayed on the calendar, so for buyers, not only daily, even monthly, weekly fund flows are easy to manage, and it is simpler to list than the book Display and easier to understand. In addition, although it is not shown in the predetermined place on the main screen 3 2 1, on the calendar server 3 9, when the bill from the provider system 3 1 1 or the electronic store 3 0 3 is e-mailed, etc. Messages sent in real-time or with the subject at the scheduled time (e.g., "Account Management Calendar Billing in July", etc.). According to this, the buyer can find the bills and use the detailed information about the mail from a variety of information received by email (friends, acquaintances, family members, company, work information, direct mail, etc.) Free from work, very convenient. As shown in Figure 25, in the main screen 3 2 1 showing the monthly account management calendar 400, the purchaser can display more detailed account (book) information and bills as long as the buyer performs a predetermined operation. For example, Figures 2 and 5 of this paper apply Chinese National Standard (CNS) A4 (210X297 mm) "-51-Packing; Order (please read the notes on the back before filling this page) 528971 A 7 B7 V. Description of the invention (49) In the main day screen 3 2 1 displayed, specify any column of the account management calendar 4 0 0 from 6/4 to 6/1 〇 and then press the "week display" form 3 3 1 ((Please Read the notes on the back before filling this page) or press the "Week Display" form 3 on the left of the 6/4 column of Account Management Calendar 4 0 0 3 34), "About Account 6/4 will be displayed in the Account Management Calendar area 326" ~ 6/1 0 Account Management Calendar for this week. Fig. 26 shows an example of the main screen displaying the weekly account management calendar. In Fig. 26, the year, month, and day display area 3 4 1 ′ is displayed in a state corresponding to the week display. For example, as shown in the figure, ′ shows the week 6/4 to 6/10 designated by the purchaser, and the week selection form 3 4 5. In the week selection form 3 4 5, for example, all week numbers of the month “June” for the week designated by the buyer are displayed 5/2 8 to 6/3 ′ 6/4 to 6/1 〇, 6/18 ～ 6/24, 6/25 to 7/1. As long as the buyer specifies (presses) the desired week from there, the account information and bill for the desired week can be displayed in the account management calendar field 3 2 6. In the field of account management calendar 3 2 6 printed by the employee's consumer cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs, the details of deposit withdrawals and bills for the week specified by the buyer from 6/4 to 6/10 are detailed in more detail than when the month is displayed. display. For example, display the details of withdrawals for that week and the "Day and Week", "item (required) name", and "transaction amount / g payment amount" of the bill. In the weekly account management calendar shown in Figure 26, press _ the space desired by the buyer (for example, 6/6), and press the day to display the table stomach 3 3 3 (or double-click weekly account management Space of 6/6 of the calendar) This paper size applies the Chinese National Standard (CNS) A4 specification (210X297 mm) -52- 528971 Printed by the Consumers ’Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 ___ B7_ __ V. Description of the invention ( 5〇), that is, the account management calendar is displayed daily (that is, 6/6) in the account management calendar field 3 2 6. (Even if the desired date space is specified in the monthly account management calendar and the daily display form 3 3 3 is pressed, the daily account management calendar can be displayed.) Figures 2 to 7 show the daily account management calendar Example of the main screen. As shown in Fig. 27, in the account management calendar area 3 2 6, the details of the withdrawal and the bill in the mortar specified by the purchaser (such as 6/6/2000) are displayed in some detail. For example, regarding the "PTV receiving fee" for automatic debit completion, as the "withdrawal details" information, display the information of the account (account book) where the automatic debit was performed (for example, "◦ Bank X, Toyosu Branch, General Account , Account number: 0 1 2 3 4 5 6 ") 'and the" item name (PTV receiving fee) "of the transaction, and the" transaction amount (2,640 yen in Japanese yen) ", and the transaction (automatic deduction "Balance" (such as 3,482,400 yen). In addition, regarding the “mobile phone fee” of the bill that was notified that the automatic debit cannot be performed, the bill is displayed, such as “company name (such as AA mobile communication network)”, “service name (such as abcd)”, “account Single number (such as 〇1 2 3 4 5) "," request period (such as June 30, 2000) ", and" please owe the amount (1 1 9 1 5 yen) ", and more Display payment button 3 4 7. As soon as the buyer presses the button 3 4 7, the main day surface 3 2 1 switches to the day surface shown in Fig. 28. Fig. 28 shows that in the daily account management calendar shown in Fig. 27, the girl's early payment button on the account is switched 3 to 7 when the # of the displayed stomach is changed. 1 The paper size applies the Chinese national standard ( 〇Milk) 8 specifications (210 > < 297 mm) '--- -53- (please read the notes on the back, fill in the items, and fill in-: write this page) Order 528971 A7 ——— ^ _B7 — V. Description of Invention (51) An example of the main screen showing the details of the bill. (Please read the notes on the back before filling this page.) As shown in Figure 2-8, the account management calendar area 3 2 6 shows the most detailed content of the bill (for example, details including the amount of the payment requested) '' In addition, a payment button 3 4 9 is also displayed. The buyer presses the payment button 3 4 9 and the main screen 3 2 1 switches to the screen shown in Fig. 29. Fig. 29 shows an example of a main screen for selecting a payment account when the payment button 3 4 9 is pressed on the main screen of Fig. 28 when the payment button 3 4 9 is pressed. As shown in Fig. 29, in the account management calendar area 3 2 6, a "transfer account selection" sheet 3 50 is displayed, and a payment button 351 is also displayed. In the transfer account selection form 350, the "branch names", "items", "account numbers", "deposit balances", and "determined balance dates" of all the deposit accounts of the purchasers registered in the calendar 3 09 in advance are displayed in a list. Menus are attached to the display of each account. Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs. The buyer presses the menu button (for example, 3 5 3) of the desired account with a deposit balance above the requested amount, and then presses the payment button 351. Then, the main screen 321 shown in Fig. 29 is switched to the screen for confirming payment conditions shown in Fig. 30. As shown in FIG. 30, in the account management calendar area 3 2 6, payment conditions such as buyer account information of the payer, provider account information of the payment destination, and payment amount are displayed. The input field for the password of the buyer's account and the payment button 3 5 5 are also displayed. After confirming the payment conditions, the buyer enters the password of the buyer's account and presses the payment button 3 5 5. According to this operation, the payment (account transfer) of this paper applies the Chinese National Standard (CNS) A4 specification (210X297 mm) -54- 528971 Printed by the Consumers ’Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 B7 V. Invention Description (52) The request message is automatically sent to the bank 305, and payment processing is performed. According to the above account management calendar, the buyer's withdrawal details and billing requirements, as well as the billing status (unpaid, paid, term expired, etc.) 'are displayed in the space of the corresponding date. In addition, for unpaid bills, payment can be performed with a simple operation of the pointing device. In addition, in the main screen 3 2 1 shown in Figs. 25 to 30, if the buyer presses the display method, he selects the "electronic account book" form 3 3 5 shown in the form field 3 2 3, as As shown in Fig. 31, the electronic account book showing the past deposit details of the buyer's account in the order of date is displayed. In addition, on the main screen 3 2 1 illustrated in Figs. 25 to 30, the buyer presses Click the message calendar label 3 3 9 and the message calendar 4 1 1 as shown in Figure 3 2 is displayed first. Figure 32 shows an example of the main screen displaying the monthly message calendar. As shown in FIG. 32, the message calendar area 3 6 3 is arranged to the front, and a monthly message calendar 4 1 1 is displayed here. In addition, the buyer action window 3 6 5 is opened, and the buyer actions read out from the buyer action holding section 3 1 5 are displayed in a date order list here. For example, "eldest daughter adult ceremony (1/1 5)" is displayed in the January column; "hot spring (2/1 ◦ ~ 2/1 4)" is displayed in the February column; "secondary girl high school opening ceremony" is displayed in the April column (4/3) ";" Travel (5/20 ~ 5/23) "is displayed in the May column;" Vehicle inspection (6/19) "is displayed in the June column;" Lending contract update (6/9) " , And "Refurbished (6/2 9)"; "Second Girl's Birthday (7 / This paper size applies to China National Standard (CNS) A4 specification (210X297 mm)" in the July column-= --- L-- --Installation ----: --- Order ----- (Please read the precautions on the back before filling out this page) -55- 528971 A7 B7 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs (53) 1 2) "and" Wedding Ceremony (7/4) ";" Christmas (1 2/2 5) "is displayed in the February column. Further, in the buyer's action window 3 65, a reservation registration button 367 is displayed. If the purchaser presses the reservation registration button 367, the activity reservation registration screen shown in Figs. 3 and 5 is displayed. The purchaser can freely enter his or her own event plan on the event plan registration screen. This point will be described later. In the message calendar 4 1 1 shown in FIG. 32, the calendar display control unit 3 1 9 is extracted from the message storage unit 3 1 3 and the message associated with the purchaser's actions is displayed. The date space to which each message is attached In, the display mark of each message is displayed (for example, a character string indicating the message is required). Each message is affixed to a date that is earlier than the specified period (for example, 0 day, 1 day ago, 1 week, 1 month, 2 months, etc.) that corresponds to the date on which the purchaser of each message acted. The specified period is included in the information received from the provider system, 301, the electronic store 303, or the calendar server 309 of the banking system 305, as the condition of the above period ( During the display) 値. For example, as shown in Figure 32, for the purchaser of "Marriage Ceremony (7/4)", the "Marriage" associated with the wedding ceremony is posted in space 6/4 of the message calendar 1 month before that date Microfinance "or" Gift Information. " The so-called period condition of 1 month ago is included in the data of “marriage microloan” and “gift information”. For the buyer of "Second Girl's Birthday (7/1 2)", on the 6/12 space of the news calendar 1 month before that date, "Girls (please read the note on the back first) Refill and refill-: write this page) • Feng _ This paper size applies to the Chinese National Standard (CNS) A4 (210X297 mm) -56- 528971 A7 B7 V. Description of the invention (54) The gift you like " . The so-called period condition of 1 month ago is included in the data of “gift girls like”. In addition, for buyers who act on the basis of the deposit details of the loan repayment deduction from the purchaser's account on the 12th of each month, the message "Loan to Loan Information" is posted in column 6/12 of the message calendar. In addition, for purchaser activities of "vehicle inspection (6/19)", in the message calendar of the day, column 6/19, "0X loan information" and "new car information" that provide a large amount of expenses due to vehicle inspection are posted. , "Cheap Used Car Information" and more. The so-called period conditions of the day mentioned above are included in “◦ X Loan Information”, “New Car Information” and “Cheap Used Car Information”. When the buyer wants to know more details of the messages posted on the message calendar 4 1 1, he switches the monthly message calendar to weekly or daily. Figure 3 3 shows an example of the main day of the weekly message calendar. 0 Figure 33 shows the weekly message calendar 4 1 3 is about 6/1 8 (Sunday) ~ 6/2 4 (Saturday ) Screen. On the 19th (Monday) column of this message calendar 4 1 3, in addition to the message summary (for example, "〇X loan information", "new car information", "cheap used car information"), each message is also simply posted Description or URL of webpage associated with each message. The buyer simply presses the desired URL in the URL posted, and the URL of the URL is displayed. For example, in Figure 33, click on the URL of "〇X loan information" "http://www.OXbank.co.jp/loandirect" 'as shown in Figure 3 4 to display the information about 〇 loan information Of pages 4 7 1. This paper size applies to China National Standard (CNS) A4 (210X297 mm) (Please read the note on the back '4-▼ item and fill it out'-write this page) Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs- 57- 528971 Α7 Β7 V. Description of the invention (55) (Please read the notes on the back before filling out this page) As mentioned above, the message is posted on the message calendar, according to the date determined by the purchaser's actions. In addition, the timing of displaying the message may be appropriately determined. For example, the message "Marriage Microloan Information" chanted in column 6/4 of the message calendar 4 1 1 in Figure 3 2 can be displayed for the first time at 6/4 or before (for example, enter 7 / 4 After the event of wedding reception ·) is displayed. Figures 35 and 36 are examples of the event reservation registration screen. The event reservation registration day is as described above. The buyer presses the buyer's action window shown in Fig. 33 or Fig. 34. The scheduled registration button 3 6 7 in 3 6 5 is displayed. The event is scheduled to be registered in the day and night 3 3 3, and event attributes such as "date", "title", "relevant", "event area", and "event type" can be entered. Printed by the Intellectual Property Bureau of the Ministry of Economic Affairs for consumer cooperation. That is, the buyer enters the start and end dates of the event as "date". As the "Title", you can enter the name of the event or any text string (such as "Title", the list is displayed in the buyer's action window 3 6 5). As "Related person", you can enter the attributes of the person who is related to the activity (for example, kinship with the purchaser, gender, age, etc.). As the "activity area", you can enter the broad category to which the activity belongs (such as "business", "entertainment", "sports", "interests", "travel", "cars / locomotive", "living" or "congratulations", etc. ). Enter the above "Date" into the "Activity Area", and press the 〇button 3 7 5. In the activity type area 3 7 4, it is displayed that the "National Standard (CNS) Α4" specification for the paper size of the activity receipt is applicable. 210X297 mm) -58- 528971 A7 B7 V. Description of the invention (56) (Please read the notes on the back before filling this page) Domain "A more detailed list of the large scope (type of activity) selected, and the key Word input field 3 7 7. In this event type field 3 7 4, as the "event type", you can select any detailed range or enter any keywords. After inputting all the items of the event attribute, the buyer presses the login button 3 7 9. As a result, the events entered on the event schedule registration screen 3 7 3 act as buyers and are stored in the buyer event storage unit 3 1 5. Fig. 37 shows the processing flow executed by the calendar server 309 in order to select and display the above-mentioned message in accordance with the purchase trend of the purchaser. In the buyer's scheduled registration process shown in FIG. 37, the calendar server 309's processing of the buyer's scheduled registration process displays the event reservation registration screens as exemplified in FIGS. 35 and 36. The purchaser. System 3 0 1 accepts the purchaser to input attributes such as event date, title, affiliate, field, and type (step S 3 0 1). Next, the calendar server 3 0 9 'registers the activity attributes entered by the purchaser into the database as the purchaser's behavior (the purchaser's behavior preservation department 3 1 5) (step S 3 0 2. The employee's consumer cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs prints System S 3 0 3). In addition, although it is not shown in Figure 37, the calendar server 309 also estimates the regular deposit schedule based on the withdrawal details of the buyer's account received, and logs it into the database as the buyer's action (the buyer's action preservation department). 3 1 5). Furthermore, although not shown in Fig. 37, the calendar server 309 also registers socially accustomed activities as purchasers' actions into the database (buyer's actions storage section 3 1 5). In addition, in the message registration process shown in Figure 37, the calendar server 3 0 9 from the provider system 3 0 1, the electronic store 3 0 3 and the bank paper standard are applicable to the Chinese National Standard (CNS) A4 specification (210X29 ? Mm) -59- 528971 A7 --B7 V. Description of the invention (57) (Please read the notes on the back before filling out this page) 'Uniform 3 0 5 Receive message information (step s 3 1 1), will The received message data is registered in the database (message storage unit 3 1 3) (steps S 3 1 2 and S 3 1 3). Each message material contains the valley _ no date of the message (that is, a condition for specifying how long the notification date is earlier than the event date), the target person, the field, the type, and other conditions. In the message display process shown in FIG. 37, the calendar server 3Q9 'stores the purchaser from the database (the purchaser's action storage section 3 1 5) in a predetermined period (for example, this year). Read out, the list shows teeth: the buyer's action window 3 6 5 as exemplified in Figure 32 (step S 3 2 1). Next, the calendar server 309 reads out a message having a condition that satisfies the behavior of the stomach purchaser from a database (message storage unit 3 1 3). The notification date of each message is determined by the period condition of each message and the message. The date on which the purchaser acted and the period of each message were determined. Then the 'Calendar Server 3 0 9 will send a notification within the period (for example, a specific month, a specific week, or a specific day) with a message calendar that should be displayed. The message calendar is posted on the space of the notification date of the message calendar, and the message calendar is displayed on the purchaser system 7 (step S 3 2 2). Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs As mentioned above, according to the message calendar 4 1 1 of this embodiment, the news according to the purchase trend of the buyer will be provided to the buyer at an appropriate time earlier than the actual consumption is performed. Accordingly, the buyer can effectively use the message. Providers can effectively connect this message offering with services or merchandise sales. The suitable embodiments of the present invention have been described above, but this is a case for explaining the present invention, and the scope of the present invention is not limited thereto. It can also be used without departing from this paper. The paper size applies the Chinese National Standard (CNS) A4 specification (2ΐ〇χ297mm) -60- 528971
五、發明説明（58 ) 胃明之要旨，以其他種種形態實行之。 [ffl式之簡單說明】 第1圖係表示關於本發明之一實施形態的交易及結帳 資$管埋系統的整體構成方塊圖。 第2圖係表示在日曆伺服器2 5之帳單管理部2 7與 會計管理部2 9所執行之處理的電子資訊流程方塊圖。 第3圖係表示日曆伺服器2 5提供購買者系統3每月 的曰曆晝面之一例。 第4圖係表示日曆伺服器2 5提供購買者系統3每週 的曰曆晝面之一例。 第5圖係表示日曆伺服器2 5提供購買者系統3每天 的曰曆晝面之一例。 第6圖係表示日曆伺服器2 5提供購買者系統3帳單 列表晝面之一例。 第7圖係表示顯示於購買者系統3之帳單明細畫面之 一例。 經濟部智慧財產^員工消費合作社印製 第8圖係表示日曆伺服器2 5提供購買者系統3帳戶 電子帳簿晝面之一例。 第9圖係表示日曆伺服器2 5提供購n汽系統3.提存 款預設畫面之一例。 第1 〇圖係表示日曆伺服器2 5提供祝川：丨彳系統7帳 單列表畫面之一例。 第1 1圖係表示日曆伺服器2 5從川、丨11 u心統1 3或 H乐尺度適用中國國家檩準（CNS ) A4規格（210XM7公釐） 528971 A7 B7 五、發明説明（59 ) 經濟部智慧財產局員工消費合作社印製 處 明9通 的附 的C 的和流 部理 部及 部 略 款C動 中貼 中及 中讀之 一處 一以 一 槪 存、自。理動 理以 理閱程 的類。的理 的 體 提理細圖處自 處理 處單流 中分圖中處。中 整 } 處明程體細 體處 體帳理 理動程理帳圖理 的 7 定款流整明 整錄 整}處 處自流處消程處 統 彳設存之之款 之登 之 6 帳 之細之之定流之 系 行動提程示存 示單 示C消 示明程示預之示 之 執自}流顯提 顯帳。顯及單 顯款流顯款程顯 態 5 定 ο 略所 } 所}圖所}帳 所存理所存流所 形 2 預 1 槪中 4 中 1 程中 CN1 帳 中提處中提理中 施 器款 C 理圖 C 圖 C 流圖 C 結 圖} 定圖 } 處圖 實 服存、處 3 行 3 行之 3 行 } 4 7 設 4 9 知 4 。 該 伺提理簿 1 執 1 執程 1 執 3 1 {動 1彳通 1 例於 曆 } 處帳第 5 第 5 流第 5彳 第行自第行動第 一關 日 8 帳子於 2 於 2 理於 2 及 於執定於執自於 之示 示丨消電示器。示器處示器， 示 5 預示 5 細示 面表。表、動戶表服圖表服附表服理 表 2 款表 2 明表 畫係圖係理自帳係伺程係伺貼係伺處 係器存係器款係 表圖程圖處細 } 圖曆流圖曆動圖曆知 圖服提圖服存圖 列 2 流 3 類明 14 日之 5 日自 6 日通 7伺}8 伺提 9 單 1 之 1 分款 11 ， 程 1 ， 單 1 ， 求 1 曆 001曆}1 帳第程第動存 {第份流第份帳第份請。第日{第日ο 第 5 流 自提及 部理 部} 部付圖 ，及 ，1 1 理 細}知 一處 一 5 一支程 份以 份丨 ^----„----0—^----：---1T----- (請先閲讀背面之注意事項再填寫本頁} 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -62- 528971 A7 __B7 五、發明説明（6〇 ) 份’臼曆伺服器2 5執行（1 1 )帳戶電子帳簿處理流程 之流程圖。 (請先閲讀背面之注意事項再填寫本頁) 第2 0圖係表示提供者爲證券公司時，該實施形態之 系統可執行的其他整體動作槪略流程之流程圖。 第2 1圖係表示提供者爲貸款公司時，該實施形態之 系統可執行的再其他整體動作槪略流程之流程圖。 第2 2圖係表示租賃公司作爲一種提供者而存在時， 依據本發明之交易及結帳管理系統構成之方塊圖。 第2 3圖係表示第2 2圖之系統整體處理槪略流程之 流程圖。 第2 4圖係表示關於該實施形態之交易•結帳•消息 管理系統的整體構成之方塊圖。 第2 5圖係表示日曆顯示控制部3 1 9提供購買者系 統3 0 7，顯示每月的帳戶管理日曆之主畫面的例子。 第2 6圖係表示顯示每週的帳戶管理日曆之主畫面的 例子。 第2 7圖係表示每日的帳戶管理日曆之主畫面的例子 經濟部智慧財產局員工消費合作杜印製 子 例 的 面 畫 主 之 容 內 細 詳 單 帳 某 表 代 示 表 係 圖 8 2 第 第第第第 子。 例子 的例 面面 畫晝 主主 之之 戶用 帳認 付確 支件 擇條 選付 爲支 示示 表表 係係 圖 圖 9 ο 子子 例例 ^一^1 0M rttM 面面 畫畫 主主 之之 簿曆 帳日 子 息 電消 示示 顯顯 示示 表表 係係 圖 圖 1 2 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -63- 528971 經濟部智慧財產笱員工消ti>-作社印製 A? B7丨五 '發明説明（61 ) 第3 3圖係表不顯示每週的消息日曆之主畫面的例子 〇 i 第3 4圖係表示顯示與消息日曆上之某消息相關聯之 I 網頁之主畫面的例子。 i 第35圖係表示活動預定登錄畫面的一例。 ij j 第36圖係表示活動預定登錄畫面之其他例子。 •ΐ | 第37圖係表示日曆伺服器309選擇並顯示依照購 i 買者消費動向之消息所執行處理流程之流程圖。 5 購買者 購買者系統 提供者 提供者系統 金融機關 銀行系統 銀行間結帳系統 結帳管理公司 電子銀行系統 □曆伺服器 ^ 帳單管卯 會計|… 號說明】 1 3、 5 13、1 2. 5 2 7 〇7 fzl -，'叫，'〖丨冢礤尖 528971 A7 B7 經濟部智慧財產局員工消費合作社印製 62 /\ 明説 明發五 7 9 8 9 9 9 3 ο 3 1± IX 3 2 ΊΧ 3 3 ΊΧ 3 5 1± 3 7 IX 3 9 1± 3 3 2 3 5 2 3 6 2 3 7 4 3 9 4 4 3 5 3 3 6 3 5 6 3 7 6 3 3 7 3 7 3 7 3 7 3 r—H LO 5 5 3 3 租賃公司系統 催收系統 租賃公司 電子賣場 提存款明係保存部 帳單保存部 消息保存部 購買者行事保存部 資訊保存處理控制部 曰曆顯示控制部 主畫面 消息領域 曰曆領域 帳戶管理日曆領域 支付按鍵 選單鈕 消息日曆領域 購買者行事視窗 預定登錄按鍵 活動預定登錄畫面 活動種類領域 〇K按鍵 關鍵字輸入欄 (請先閱讀背面之注意事項再填寫本頁) 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -65- 528971 A7 B7 五、發明説明（63 o_ IX 7 0 1 3 4 4 曆曆 曰 曰 鍵理理 按管管 錄戶息 登帳消 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） -66 -V. Description of the invention (58) The gist of Weiming is implemented in other forms. [Brief description of the formula] FIG. 1 is a block diagram showing the overall structure of the transaction and settlement system of the management system of one embodiment of the present invention. Fig. 2 is a block diagram showing the flow of electronic information performed by the bill management section 27 and the accounting management section 29 of the calendar server 25. Fig. 3 shows an example of the calendar day and month of the purchaser system 3 provided by the calendar server 25. Fig. 4 shows an example of a calendar day of the week provided by the buyer system 3 to the calendar server 25. Fig. 5 shows an example of a calendar day surface provided by the calendar server 25 to the buyer system 3 every day. Fig. 6 shows an example of the calendar server 25 providing the buyer system 3 bill list day and time. FIG. 7 shows an example of a bill detail screen displayed on the purchaser system 3. FIG. Printed by the Intellectual Property of the Ministry of Economic Affairs ^ Employee Consumer Cooperatives Figure 8 shows an example of a calendar server 2 5 providing a buyer system 3 accounts and an electronic account book. FIG. 9 shows an example of a preset screen provided by the calendar server 25 for the purchase of the auto system 3. Withdrawing funds. Figure 10 shows an example of the calendar server 2 5 providing Zhuchuan: System 7 bill list screen. Figure 1 1 shows the calendar server 2 5 from Sichuan, 11 u, 1 3 or H. The scale is applicable to China National Standards (CNS) A4 specifications (210XM7 mm) 528971 A7 B7 V. Description of the invention (59) The Ministry of Economic Affairs, the Intellectual Property Bureau, the Consumer Cooperative Cooperative Printing Office of the Ministry of Economic Affairs and the Ministry of Economic Affairs of the Ministry of Education and the Ministry of Education, the Ministry of Education, and the C section of the Ministry of Education, and one of them are stored in one place. The class of the reasoning process.的 理 的 的 Body The detailed drawing is from the processing to the single flow. Medium}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}}} It refers to the action, schedule, deposit, and presentation, and the statement C, which shows the indication of the schedule, and the indication of the account. Display and single display of cash flow, cash flow, cash flow status, 5 determination ο slightly}}}}}}}}}}}}}}}}}}}}}}}}}}}}} Section C Schematic diagram C Diagram C Flow diagram C Closing diagram} Fixed diagram} The actual map is stored, and 3 rows and 3 rows are in place} 4 7 Set 4 9 Know 4. The server book 1 execution 1 execution 1 execution 3 1 {动 1 彳 通 1 例 于 历} Settlement of the account 5th 5th flow 5th line from the first day of the first action 8 accounts on 2 on 2 Li Yu 2 and Yu Ding Yu Zhi Ding 丨 Dissipation indicator. Indicator display, display 5 foresight 5 detailed display surface. Table, mobile table service, chart service, schedule service, table 2, table 2, painting, drawing, system, self-accounting, server, server, server, and server Calendar flow chart, dynamic map, historical map, map service, map service, storage map, 2 stream, 3 categories, tomorrow, 14th, 5th, and 6th, 7th, 7th, 8th, 8th, 9th, 1st, 1st, 1st, 11th, 1st, 1st , Seek 1 calendar 001 calendar} 1 account first move deposit {first share first share please. The first day {第 日 ο # 5 stream from mentioning the Ministry of Management} Ministry of Figures, and, 1 1 details} know a place 5 a process share 丨 ^ ---- „---- 0 — ^ ----: --- 1T ----- (Please read the notes on the back before filling out this page} This paper size applies to China National Standard (CNS) A4 (210X297 mm) -62- 528971 A7 __B7 Fifth, the description of the invention (60) copies of the flow chart of the execution process of (1 1) account electronic account book. (Please read the precautions on the back before filling this page) Figure 2 0 Figure 21 shows a flowchart showing the overall flow of other operations that can be performed by the system in this embodiment when the provider is a securities company. Figure 21 shows the other overall operations that can be performed by the system in this embodiment when the provider is a loan company. The flow chart of the action strategy. Figure 22 shows the block diagram of the transaction and settlement management system according to the present invention when the leasing company exists as a provider. Figure 23 shows the figure of Figure 22 A flowchart of the overall processing strategy of the system. Figures 2 and 4 show transactions and settlements related to this embodiment. • A block diagram of the overall structure of the message management system. Figures 2 and 5 show an example of the calendar display control unit 3 1 9 providing the buyer system 3 7 and displaying the main screen of the monthly account management calendar. Figures 2 and 6 Shows an example of the main screen showing the weekly account management calendar. Figure 2 7 shows an example of the main screen of the daily account management calendar. The detailed list of a certain table in the internal bill is shown in Figure 8 2 as the first and the second. The example shows the daily account of the owner of the household account to confirm the payment and confirmation of the payment options and select the payment table Figure 9 ο Sub-sub-examples ^ 一 ^ 1 0M rttM Face to face painting owner's book calendar account date display information display table system diagram Figure 1 2 This paper scale applies Chinese national standards ( CNS) A4 specification (210X297 mm) -63- 528971 Intellectual property of the Ministry of Economic Affairs, employee consumption ti & -printed by Zuosha A? B7 丨 Five 'invention description (61) Figure 3 3 The table does not show weekly news Example of the main screen of the calendar 〇i 3 4 The figure shows an example of the main screen displaying the I page associated with a message on the message calendar. I Fig. 35 shows an example of an event scheduled registration screen. Ij j Fig. 36 shows another example of the event scheduled registration screen. • ΐ | FIG. 37 is a flowchart showing the processing flow executed by the calendar server 309 to select and display the message according to the purchase trend of the purchaser. 5 buyer buyer system provider provider system financial institution banking system interbank settlement system settlement management company electronic banking system ^ calendar server ^ billing management 卯 accounting | ... Description] 1 3, 5 13, 1 2 . 5 2 7 〇7 fzl-, 'call,' 〖丨 礤 礤 528971 A7 B7 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 62 / \ Instructions issued 5 7 9 8 9 9 9 3 ο 3 1 ± IX 3 2 ΊΧ 3 3 ΊΧ 3 5 1 ± 3 7 IX 3 9 1 ± 3 3 2 3 5 2 3 6 2 3 7 4 3 9 4 4 3 5 3 3 6 3 5 6 3 7 6 3 3 7 3 7 3 7 3 7 3 r—H LO 5 5 3 3 Leasing company system Collection system Leasing company electronic store Withdrawal deposits Department of storage Department of bill storage Department of information storage Department of buyer behavior Storage of information Storage processing control Calendar display control Screen Message Area Calendar Area Account Management Calendar Area Payment Button Menu Button Message Calendar Area Buyer Action Window Schedule Login Button Activity Schedule Login Screen Activity Type Area ○ K Keyword Input Field (Please read the notes on the back before filling out this page ) This paper size applies Chinese national standard (CNS) A4 specifications (210X297 mm) -65- 528971 A7 B7 V. Description of the invention (63 o_ IX 7 0 1 3 4 4 Please pay attention to this page, please fill in this page) Printed by the Intellectual Property Bureau of the Ministry of Economic Affairs, Employees' Cooperatives This paper is printed in accordance with China National Standard (CNS) A4 (210X 297 mm) -66-