TWI676140B - Method of paying bills online - Google Patents

Abstract

The present invention is a method for paying bills online. The billing funds are sent to the billing server through the first servo device. After the billing server confirms the existence of the bills, the billing server pays the bills. Or, the billing identification information is sent to the billing server through the first servo device. After the billing server obtains the bill corresponding to the billing identification information from the billing server, the billing server pays the billing fee.

Description

How to pay bills online

The present invention relates to a method for paying bills, and more particularly, to a method for paying bills online by a payment server that sends billing information or bill identification information through a first servo device.

A bill refers to a notice requiring payment from the person who has received the bill. In modern life, there are many behaviors and daily activities that will receive a bill. For example, there is a water bill for using water at home. , There will be electricity bills when using appliances at home, parking bills when going out to park, mobile phone bills when using smart phones, credit card bills when shopping with credit cards, etc. Those who receive the bills need to follow the bills The billing amount and remittance account recorded on the above will be remitted to the remittance account within the deadline to complete the bill payment.

When the Internet is not yet popular, those who receive the bill will go to the financial institution at the counter or at a cash machine to remit the bill amount into the remittance account to complete the bill payment. Due to the current popularity of the Internet, almost every household has electronic devices (such as personal computers, smart phones, etc.) that can connect to the Internet. Therefore, some operators have provided the function of paying bills on the website of the operator, making it possible to collect Go to the biller and pay the bill on this website.

However, if the bill is paid in this way, if the bill-receiver has multiple bills, it must be paid separately on the website of the operator to which each bill belongs, which is quite inconvenient in use.

An object of the present invention is to provide a method for online payment of billing fees. The first server sends billing information to the billing server for payment of billing fees.

An object of the present invention is to provide a method for online payment of billing fees. The first server sends billing identification information to the billing server for payment of billing fees.

In order to achieve the above mentioned purposes and effects, an embodiment of the present invention discloses a method for paying bills online. The steps include: sending billing information and a first verification code from an electronic device to a first servo. Device, the first servo device sends the billing information and the first verification code to the payment server, calculates the second verification code based on the billing identification number of the billing information, and confirms the first verification code and the second verification code The codes match, send the payment request command to the electronic device, send the payment confirmation command and the payment account to the payment server, send the payment confirmation command to the first financial server device corresponding to the payment account, and the first financial server device remits from the payment account The amount of the corresponding payment confirmation order is transferred to the account of the corresponding payment confirmation command in the second financial server device.

In one embodiment of the present invention, the bill identification number is a unique identification code.

In one embodiment of the present invention, the electronic device sends the billing information to the first server device through a webpage or an application.

In addition, the present invention provides another method for paying bills online. The steps include: sending electronic billing identification information to a first servo device by the electronic device, and the first servo device sending the billing identification information to the payment server device to pay the bill. The server sends the billing identification information to the billing server, and the billing server sends the corresponding billing identification information. The billing information is sent to the electronic device, the electronic device sends a payment confirmation command and the payment account to the payment server device, and sends the payment confirmation command to the first financial server device of the corresponding payment account. The first financial server device exports the corresponding payment confirmation from the payment account. The amount of the order is remitted to the account corresponding to the payment confirmation order in the second financial server device.

In one embodiment of the present invention, the bill identification information may be a combination of one or more of a mobile phone number, a telephone number, an address, an identity card number, a license plate number, a birthday, a student number, and a credit card number.

1‧‧‧ electronic device

101‧‧‧ communication unit

3‧‧‧The first servo device

5‧‧‧Payment Servo Device

6‧‧‧Mediator Servo Device

7‧‧‧The first financial servo device

9‧‧‧Second Financial Servo Device

11‧‧‧Billing server

First diagram: it is a flowchart of a method for paying bills online in the first embodiment of the present invention; second diagram: it is a method for paying bills online in the first embodiment of the present invention A schematic diagram of the system; a third diagram: a flowchart of a method for paying bills online in the second embodiment of the present invention; and a fourth diagram: an online payment method in the second embodiment of the present invention Schematic diagram of the billing method.

In order to make your reviewing members have a better understanding and understanding of the features of the present invention and the effects achieved, I would like to refer to the preferred embodiments and detailed descriptions, as follows: In the prior art, when paying bills on the Internet, it is necessary to pay the bills to the website of the corresponding billing operator, which is quite inconvenient in use. Therefore, a method for paying bills online is proposed.

The flow of the method for paying bills online in the first embodiment of the present invention is described here. Please refer to the first figure, which is a flowchart of the method for paying bills online in the first embodiment of the present invention. . As shown in the figure, the method for paying bills online in this embodiment includes the steps of: Step S1: Sending billing information; Step S3: Checking billing information; Step S5: Sending a payment request command; Step S7: Sending Payment confirmation order; and step S9: payment is performed.

Next, the system required to achieve the online bill payment method of the invention will be described. Please refer to the second figure, which is a schematic diagram of the method of online bill payment method of the first embodiment of the present invention. As shown in the figure, the system of the method for paying bills online according to the present invention includes: an electronic device 1, a first servo device 3, a payment servo device 5, an intermediary servo device 6, and a first financial servo device 7 and a second financial servo device 9. The above-mentioned electronic device 1 may be an electronic device such as a smart phone, a personal digital assistant (PDA), a tablet computer, a notebook computer, a desktop computer, and the like.

The above-mentioned intermediate server device 6 can be used as a bridge between two types of financial server devices. In this embodiment, the intermediate server device 6 is used as a bridge between the first financial server device 7 and the second financial server device 9.

The following will explain the flow of the method for online payment of bills according to the first embodiment of the present invention, please refer to the first figure and the second figure. When the user pays the bill online, steps S1 to S9 will be performed.

In step S1, the billing information is sent. The electronic device 1 uses the communication unit 101 to connect to the first server device through a webpage or an application program through a wired network or a wireless network, and connects to the above webpage or the above application program. Enter a billing information and a first check code into the first web server or the above application program to send the billing information and the first check code to the first server 3, and the first server 3 sends the bill Information and the first check code to the payment server 5.

In step S3, the billing information is checked, and the payment server device 5 calculates and obtains a second check code based on one of the billing identification numbers in the billing information, and compares the first check code and the second check code with each other. When the first check code and the second check code match each other, step S5 is performed.

In step S5, a payment request command is sent. The payment servo device 5 sends a payment request command to the first servo device 3, and the first servo device 3 sends a payment request command to the electronic device 1.

In step S7, a payment confirmation command is sent, and the electronic device 1 sends a payment confirmation command and a payment account to the first servo device 3, and the first servo device 3 sends a payment confirmation command and the payment account to the payment server device 5, and the payment server device 5 Send payment confirmation order and payment account and remit the account to the intermediary server device 6.

In step S9, the payment is performed. The intermediary server device 6 sends a payment confirmation command and the payment account and the remittance account to the first financial server device 7 of the corresponding payment account. The first financial server device 7 remits the corresponding payment confirmation from the payment account. Order an amount, and the remitted amount is remitted to the second financial servo device 9 through the intermediary servo device 6 Account. In other words, in this step, the payment amount is remitted from an account (payment account) input by the holder of the electronic device 1 into a collection account (remittance account).

In one embodiment of the present invention, there may be a plurality of second financial servo devices. In this case, in step S1, the electronic device 1 further selects after connecting to the above webpage or the above application program. One of the types of bills to be paid (such as paying water bills, paying electricity bills, paying credit card fees), the electronic device 1 sends the billing information, the first verification code, and the billing type to the first The servo device 3, the first servo device 3 sends the billing information, the first check code and the bill type to the payment server device 5. After the billing server device 5 checks the billing information and sends a payment request command to the electronic device 1, The electronic device 1 sends a payment confirmation command and a payment account to the first servo device 3, and the first servo device 3 sends a payment confirmation command and a payment account to the payment server 5, and the payment server 5 obtains the corresponding bill type according to the bill type Remit the account, and send the payment confirmation order and payment account and remit the account to the intermediary server device 6. In step S9, the first financial server device 7 remits an amount corresponding to the payment confirmation order from the payment account, and the remitted amount is transferred to the second financial server device 9 corresponding to the remittance account through the intermediary server device 6. Import into your account.

At this point, the method for paying bills online in the first embodiment of the present invention is completed. With this embodiment, the person receiving the bill sends the billing information to the bill through the webpage or application provided by the first server device. Servo device to make payment. The billing server can identify the bills of multiple operators, and confirm whether the bills are correct according to the billing information, and pay the bills after confirming that the billing information is correct. Therefore, the recipient of the bills uses the web page provided by the first server Or the app can pay bills from multiple operators, which can improve the convenience when paying bills.

The following example illustrates the flow of the method for paying bills online in the first embodiment of the present invention in actual use, please match the first and second figures. Once the person receiving the bill uses a personal computer (equivalent to the electronic device 1) to connect to a website, the person receiving the bill enters the billing number (equivalent to the billing information) Serial number) and bill check code (equivalent to the first check code). After receiving the bill, the personal computer will send the bill number and bill check code to the first server after confirming on the website. (Equivalent to the first servo device 3) (step S1).

Following the above, the first servo device sends the number of the received bill to a payment server (equivalent to the payment server 5), and the payment server calculates a servo device check code (equivalent to the payment server based on the bill number) (Second check code), the payment server determines that the bill check code and the server check code match (step S3). The payment server sends a payment request command to the first servo device, and the first server sends a payment request command to the personal computer (step S5). After receiving the bill, confirm that the charge request command is correct on the personal computer, send the payment confirmation command and the payment account to the first servo device. The first servo device sends the payment confirmation command and the payment account to the payment server device, and the payment server device sends it. The payment confirmation order and payment account are sent to the broker server (equivalent to the broker server 6) (step S7).

Continuing the above, the intermediary servo device sends a payment confirmation command and the payment account to the first financial servo device corresponding to the payment account (equivalent to the first financial servo device 7), and the first financial servo device remits the corresponding payment confirmation command from the payment account One of the amounts, and the remitted amount is transferred to the second financial server device (equivalent to the second financial server device 9) through the intermediary server device, and one of the corresponding payment confirmation orders is remitted to the account (step S9). Then, the second financial servo device sends a payment completion command to the brokerage server device, the brokerage server device sends a payment completion command to the payment server device, and the payment server device sends Send the payment completion command to the first servo device The first servo device sends the payment completion command to the personal computer, and the person who receives the bill can confirm that the payment has been completed on the personal computer.

Next, the method for paying bills online in the second embodiment of the present invention will be described. Please refer to FIG. 3, which is a flowchart of the method for paying bills online in the second embodiment of the present invention. As shown in the figure, the method for paying bills online in this embodiment includes the steps of: step S21: sending bill identification information; step S23: obtaining bill information; step S25: sending a payment confirmation command; and step S27: Make a payment.

Next, the system required to achieve the online bill payment method of the present invention will be described. Please refer to the fourth figure, which is a schematic diagram of the method of online bill payment method of the second embodiment of the present invention. As shown in the figure, the system of the method for paying bills online in the second embodiment of the present invention is different from the first embodiment in that it further includes a billing server 11.

The following will explain the flow of the method for online payment of bills according to the second embodiment of the present invention, please refer to the third and fourth figures. When the user pays the bill online, steps S21 to S27 will be performed.

In step S21, the billing identification information is sent. The electronic device 1 connects with the first server device through a webpage or an application program through the communication unit 101 through a wired network or a wireless network, and enters a billing identification information. The electronic device 1 sends the billing identification information to the first servo device 3, the first servo device 3 sends the billing identification information to the payment server 5, and the payment server 5 sends the billing identification information to a billing server 11.

The above-mentioned bill identification information is different depending on the bills paid. For example, when the bill paid is a vehicle violation ticket, the bill identification information is the license plate number; when the phone fee is paid, the bill is The bill identification information is the telephone number; when paying the tuition and fees, the bill identification information is the student number; when paying the water, electricity and gas fees, the bill identification information is the address.

In one embodiment of the present invention, the bill identification information may be a combination of one or more of a mobile phone number, a telephone number, an address, an identity card number, a license plate number, a birthday, a student number, and a credit card number.

In step S23, the billing information is obtained, and the billing server 11 sends one of the bills corresponding to the billing identification information to the billing server 5 according to the received billing identification information, and the billing server 5 sends The billing information is sent to the first servo device 3, and the first servo device 3 sends the billing information to the electronic device 1.

In step S25, a payment confirmation command is sent. The electronic device 1 sends a payment confirmation command and a payment account to the first servo device 3 according to the billing information. The first servo device 3 sends a payment confirmation command and the payment account to the payment server 5. The payment server 5 sends a payment confirmation command and a payment account to the intermediary server 6.

In step S27, payment is performed. The intermediary servo device 6 sends a payment confirmation command and the payment account to the first financial servo device 7 corresponding to the payment account. The first financial servo device 7 remits one of the corresponding payment confirmation commands from the payment account. , The remitted amount is remitted into the account through the intermediary server device 6 into the second financial server device 9 corresponding to one of the payment confirmation orders. In other words, in this step, the payment amount is remitted from the account (payment account) input by the holder of the electronic device 1 into one of the billing accounts (remittance account) corresponding to the bill identification number.

Here, the method for paying bills online in the second embodiment of the present invention is completed. With this embodiment, when a bill is to be paid, the payer can pay without a bill (for example, a bill Lost), send the billing identification information to the billing server through the webpage or application provided by the first server device to query the billing information, and further pay the bill, which can further improve the payment Convenience when paying bills.

In one embodiment of the present invention, the payment request command includes a remittance account.

In one embodiment of the present invention, the billing information includes an import account.

In one embodiment of the present invention, the payment confirmation command includes a remittance account.

In one embodiment of the present invention, the billing information includes a billing amount.

In one embodiment of the present invention, there may be a plurality of billing servo devices 11. In this case, in step S21, the electronic device 1 further selects after connecting to the above-mentioned webpage or the above-mentioned application program. One of the types of bills to be paid (such as paying water bills, paying electricity bills, paying credit card fees), the electronic device 1 sends the billing identification information and the billing type to the first servo device 3, the A servo device 3 sends the billing identification information and billing type to the payment server device 5, and the payment server 5 sends the billing identification information to one of the billing server devices 11 corresponding to the billing type (for example, the billing type is water fee) When the bill type is the credit card fee of the first bank, it is sent to the bill server of the first bank; the bill type is the credit card of the second bank At the time of payment, it is sent to the billing server of the second bank.

However, the above are only preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. For example, according to the shapes, Equal changes and modifications in structure, characteristics, and spirit should be included in the scope of patent application of the present invention.

The invention is truly a novel, progressive, and industrially available user, which should meet the patent application requirements stipulated by the Chinese Patent Law. No doubt, the invention patent application was submitted in accordance with the law. prayer.

Claims (3)

A method for online payment of bills, the steps include: sending an billing information and a first check code from an electronic device to a first servo device, the first servo device sending the billing information and the first A check code to a payment server; a second check code is calculated according to a billing identification number of the billing information, and the first check code and the second check code are confirmed to be consistent; send a A payment request command is sent to the electronic device; a payment confirmation command and a payment account are sent to the payment server device; the payment confirmation command is sent to a first financial server device corresponding to the payment account; and the first financial server device is from the The amount of one of the corresponding payment confirmation orders is remitted from the payment account to one of the corresponding payment confirmation orders in a second financial server device. The method for paying bills online as described in item 1 of the scope of patent application, wherein the bill identification number is a unique identification code. The method for paying bills online as described in item 1 of the scope of patent application, wherein the electronic device sends billing information to the first servo device through a webpage or an application program.