TWM594743U - Online payment device for the introduction of mobile payment in the collection operation of the central authority - Google Patents
Online payment device for the introduction of mobile payment in the collection operation of the central authority Download PDFInfo
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Abstract
一種中央機關收款作業導入行動支付的線上付款裝置,其包含有相連接之控制單元、銷帳編號編碼單元、收款單元、收發單元、繳費單元與帳務代理單元。可將中央機關收款作業導入行動(手機)支付,運算出符合中央機關帳務集中化繳庫帳號及足以辨識繳款人(取代個人資訊輸入)之銷帳編號,使中央機關能採用批次對帳、整批核銷等線上帳務作業,款項入帳機關人員無需再填寫國庫繳庫相關表單,將人工對帳之作業方式,改以媒體檔提供轉帳繳付明細上傳及回饋之作業模式,對於國庫署、央行國庫局現有系統的衝擊與改變並不大,卻帶給中央機關及金融機構更多的便利,達成可供繳款人便於使用的線上繳庫作業。 An online payment device that introduces mobile payment into the central government's collection operation includes a connected control unit, an accounting code unit, a collection unit, a transceiver unit, a payment unit, and an accounting agency unit. The central government's collection operations can be imported into mobile (mobile phone) payments, and the account number that is in line with the central government's centralized centralized payment database and the sales number that can identify the payer (instead of entering personal information) can be calculated, so that the central government can use batches For online accounting operations such as reconciliation and batch write-offs, the personnel entering the accounts do not need to fill out the relevant forms of the treasury payment, and change the manual reconciliation method to the media file to provide the transfer and payment details upload and feedback operation mode The impact and change on the existing systems of the National Treasury Department and the Central Bank Treasury Bureau are not significant, but it has brought more convenience to central authorities and financial institutions to achieve online treasury operations that can be easily used by payers.
Description
本創作係有關於一種中央機關收款作業導入行動支付的線上付款裝置,尤指涉及一種中央機關及國庫銀行運用銷帳編號運算方式,將中央機關繳納管道導入快速響應矩陣碼(QR Code)者。 This creation is about an online payment device that introduces mobile payment into the central government's collection operations, especially those involving a central authority and the treasury bank using the write-off number calculation method to introduce the central authority's payment pipeline into the quick response matrix code (QR Code) .
現行民眾繳納中央機關有關規費,其繳納方式多採繳款人臨櫃辦理現金收付,或由機關行文收款機關之銀行及帳號,由繳款人至金融機構臨櫃匯款(並需於匯款單上加註繳款人姓名及統一編號),或由繳款人另行開立銀行本票或支票,再行交付機關。收款機關於收款及辦理票據兌現後,再行填寫「國庫繳款書」繳納國庫,並進行後續人工對銷帳作業。綜觀上述作業模式(約占所有中央機關收付作業99%以上),其繳款作業冗長,繳款人及機關必須花費時間及金額成本辦理付款事宜。 The current public pays the relevant fees of the central authority, and the payment method is mostly to use the payer to handle the cash receipt or payment, or the bank and the account number of the collection agency, and the remittance from the payer to the financial institution (and need to The name of the payer and the unified number are added to the remittance slip, or the payer will issue a bank draft or cheque separately, and then deliver it to the agency. After receiving the cash and cashing the bills, the cash register fills in the "Treasury Payment Form" to pay the treasury, and then performs subsequent manual verification and cancellation operations. Looking at the above operation mode (accounting for more than 99% of all central government's collection and payment operations), its payment operations are lengthy, and the payer and the organization must spend time and money to process the payment.
本國在106年新提供之全國性繳費(稅)線上繳納平台後,繳款人仍需於網頁上登打繳庫帳號、銷帳編號、款項金額及繳款人身分證字號(統一編號)等資訊,並需進行「金融卡插拔」驗證,因此該線上支付方式仍顯複雜,並未能讓繳款人轉念臨櫃作業而改採線上付款之方式。 After the new national payment (tax) online payment platform provided by the country in 106, the payer still needs to register the bank account number, account number, amount of money, and the number of the payer's identity card (uniform number) on the webpage. Information, and "Financial Card Insertion and Removal" verification is required, so the online payment method is still complicated, and it does not allow the payer to switch to the online operation and change to the online payment method.
由於全省中央機關達6百餘個,目前各機關若欲導入行動支付,係只能個別申請,並依現行金融機構繳庫作業辦理(即由收款機關於收款後,再行填寫「國庫繳款書」繳納國庫),尚無通盤適用央行國庫局、財政部 國庫署(下稱國庫署)及轄屬各機關之整合性行動支付及管理作業模式。綜觀上述流程,衍生下列欲解決之技術問題與需求:(1)中央機關收款作業導入行動(手機)支付、(2)運算出符合中央機關帳務集中化繳庫帳號及足以辨識繳款人(取代個人資訊輸入)之銷帳編號、(3)中央機關採用批次對帳、整批核銷等線上帳務作業、以及(4)線上繳庫作業。故,一般習用者係無法符合使用者於實際使用時之所需。 Since there are more than 600 central government agencies in the province, at present, if each agency wants to introduce mobile payment, it can only apply individually and follow the current financial institution's deposit payment operation (that is, after receiving the payment from the cash register, fill in " Treasury payment letter” to the Treasury), there is no general application of the Central Bank Treasury Bureau, Ministry of Finance The Treasury Department (hereinafter referred to as the Treasury Department) and the agencies under its jurisdiction have integrated mobile payment and management operations. Looking at the above process, the following technical problems and needs to be solved are derived: (1) central government collection operations are introduced into mobile (mobile phone) payments, (2) calculations are consistent with the central government account centralized payment database account and are sufficient to identify payers (Replace personal information input) the write-off number, (3) the central authority adopts batch reconciliation, whole batch verification and other online accounting operations, and (4) online deposit operations. Therefore, general users cannot meet the needs of users in actual use.
本創作之主要目的係在於,克服習知技藝所遭遇之上述問題並提供一種將中央機關收款作業導入行動(手機)支付,運算出符合中央機關帳務集中化繳庫帳號及足以辨識繳款人(取代個人資訊輸入)之銷帳編號,使中央機關能採用批次對帳、整批核銷等線上帳務作業,達成能讓繳款人便於使用的線上繳庫作業之中央機關收款作業導入行動支付的線上付款裝置。 The main purpose of this creation is to overcome the above-mentioned problems encountered by the conventional arts and provide a method of introducing the central government's collection operation into mobile (mobile phone) payment, which is calculated to be consistent with the central government's centralized account payment account and sufficient to identify the payment The account cancellation number of the person (instead of entering personal information), so that the central authority can use batch reconciliation, whole batch verification and other online accounting operations to achieve the central authority's online payment operation that can be easily used by the payer. An online payment device that introduces mobile payment for operations.
為達以上之目的,本創作係一種中央機關收款作業導入行動支付的線上付款裝置,係包括:一控制單元,可作為該中央機關收款作業導入行動支付的線上付款裝置運作時之處理與控制;一銷帳編號編碼單元,其連接該控制單元,可依據銷帳編號編碼規則,將共16碼的銷帳編號分為兩部分,一部分的前11碼係由一中央機構核編之14碼匯款繳庫帳號轉換,省略其中2碼檢查碼,以及將作為收入科目的前2碼經轉換為1碼,令該中央機構核編之14碼繳庫帳號簡化為11碼,另一部分的後5碼則由扣款機構編列,作為繳款人身分識別之用,扣款機構可視業務需求,自行擇定編碼規則;一收款單元,其連接該控制單元,可依據該銷帳編號編碼單元之銷帳編號編碼規則產製QR Code帳單; 一收發單元,其連接該控制單元,可供與繳款人之行動裝置進行連結;一繳費單元,其連接該控制單元,可供繳款人透過該收發單元之傳輸,下載安裝應用程式(Application,APP)並登入後,以支付功能掃碼該收款單元產製之QR Code帳單,輸入綁定至少一金融帳號完成繳費,並送出該繳費之一繳納金額、繳款方式、交易時間及交易筆數;以及一帳務代理單元,其連接該控制單元,用以定期更新該中央機構繳庫帳號之資訊,並將該繳費單元代收款項逐筆之銷帳編號依該銷帳編號編碼規則還原成繳庫帳號,再將還原後之繳庫帳號與更新之中央機關繳庫帳號進行線上比對,比對結果不符合者將另行以異常註記,最後將該繳庫帳號、繳款人由該扣款機構編列之銷帳編號(原銷帳編號後5碼)、該繳納金額、該繳款方式、該交易時間、該交易筆數及該異常註記合併成一網路繳庫明細資料檔,於交易隔日批次傳送至一央行機構,由該央行機構將該網路繳庫明細資料檔上傳至該中央機構,由該收款單元自行下載,完成核銷帳作業。 In order to achieve the above purpose, this creation is an online payment device that introduces mobile payment into the central government's collection operation. It includes: a control unit that can be used as the processing and operation of the online payment device that introduces mobile payment into the central government's collection operation. Control; a write-off number coding unit, which is connected to the control unit, can divide the write-off number of a total of 16 yards into two parts according to the write-off number coding rules, and the first 11 codes of a part are compiled by a central agency. 14 Code remittance payment account conversion, omitting the 2 code check code, and converting the first 2 codes as the income account into 1 code, so that the 14-code payment account of the central agency simplified to 11 codes, the other part The 5 code is compiled by the deduction agency for identification of the payer. The deduction agency can choose the coding rules according to the business needs; a collection unit, which is connected to the control unit, can be based on the write-off number coding unit The QR code statement for the account number coding rule; A transceiver unit, which is connected to the control unit, can be connected to the payer's mobile device; a payment unit, which is connected to the control unit, can be used by the payer to download and install the application program (Application) through the transmission and reception of the transceiver unit ,APP) and log in, scan the QR Code bill produced by the collection unit with the payment function, enter at least one financial account to complete the payment, and send one of the payment amount, payment method, transaction time and The number of transactions; and an accounting agency unit, which is connected to the control unit, is used to periodically update the information of the central institution's deposit account, and encodes the write-off account number of the payment collected by the payment unit in accordance with the account number The rules will be restored to the deposit account, and the restored deposit account will be compared online with the updated deposit account of the central authority. Those who do not meet the comparison result will be marked with an exception. Finally, the deposit account and payer The charge-off number (5 digits after the original charge-off number), the payment amount, the payment method, the transaction time, the transaction number and the abnormal notes compiled by the deduction institution are combined into a network payment database detail data file , The batch is sent to a central bank agency on the next day of the transaction, and the central bank agency uploads the network deposit details file to the central agency, which is downloaded by the collection unit to complete the verification operation.
於本創作上述實施例中,該銷帳編號可採英文、數字或其組合。 In the above embodiment of this writing, the write-off number can be in English, numbers, or a combination thereof.
於本創作上述實施例中,該應用程式係為台灣行動支付APP或金融機構之行動銀行APP。 In the above embodiment of this creation, the application is a Taiwan mobile payment app or a mobile banking app of a financial institution.
於本創作上述實施例中,該金融帳號係為一金融卡資料或一信用卡資料。 In the above embodiment of the present invention, the financial account number is a financial card data or a credit card data.
於本創作上述實施例中,該QR Code帳單可供遠端支付或臨櫃支付。 In the above embodiment of this creation, the QR Code bill can be used for remote payment or cash payment.
於本創作上述實施例中,該異常註記之交易由該帳務代理單元洽詢該扣款機構,於聯繫繳款人確認繳庫單位後,由該收款單元進行帳務轉正及核銷作業。 In the above embodiment of this creation, the transaction with the abnormal note is consulted by the deduction agency by the accounting agency unit, and after contacting the payer to confirm the payment unit, the collection unit performs the account correction and verification operations .
於本創作上述實施例中,該銷帳編號編碼規則係將14碼匯款繳庫帳號中,以前11碼為該收入科目,第3碼至第6碼及第12碼至第14碼合計7碼為機構代號,該收入科目第11碼,以及該機構代號第7碼,即該繳庫帳號第11碼及第14碼,為可省略之檢查碼,且該收入科目前2碼小於30,其轉換規則係將前2碼為01至09者,直接轉換成1至9,而前2碼為10至29者,以英文字母順序轉換成A至W,其中英文字母O、I及L為易混淆字元,不予使用;依上述規則可將該中央機構核編之14碼繳庫帳號簡化為11碼。 In the above embodiment of this creation, the write-off number coding rule is to transfer the 14-yard remittance account number, the previous 11 yards are the income account, and the third to sixth yards and the 12th to 14th yards total 7 yards Is the institution code, the 11th code of the income account, and the 7th code of the institution code, namely the 11th code and the 14th code of the deposit account, which can be omitted, and the current 2 code of the income section is less than 30, which The conversion rule is to convert the first 2 codes from 01 to 09 directly into 1 to 9, while the first 2 codes from 10 to 29 are converted into A to W in alphabetical order, where the English letters O, I and L are easy Obfuscated characters are not allowed to be used; according to the above rules, the 14-yard deposit account number compiled by the central authority can be simplified to 11-yard.
於本創作上述實施例中,該收入科目之還原演算,係將除了第11碼為檢查碼以外的第1碼至第10碼,由後至前,將第10碼乘上3,第9碼乘上4,依此類推至第6碼乘上7以後,第5碼從頭由3乘起,依此類推至第1碼乘上7,再將所有乘積合計後除以11,所得餘數即為第11碼,而該機構代號之還原演算方式同該收入科目;依上述規則可將簡化的11碼繳庫帳號還原成該中央機構核編之14碼。 In the above embodiment of this creation, the reduction calculation of the income account is the first code to the 10th code except the 11th code as the check code, from the back to the front, the 10th code is multiplied by 3, the 9th code Multiply by 4, and so on until the 6th code is multiplied by 7, the 5th code is multiplied from 3 from the beginning, and so on to the 1st code and multiplied by 7, and then the total of all products is divided by 11 and the remainder is The 11th yard, and the method of restoring the code of the institution is the same as that of the income account; according to the above rules, the simplified 11-yard deposit account can be restored to 14 yards compiled by the central institution.
於本創作上述實施例中,該還原演算若可除盡或餘數為10,則檢查碼為0。 In the above embodiment of the present invention, if the reduction algorithm is divisible or the remainder is 10, the check code is 0.
於本創作上述實施例中,該自行擇定編碼規則可視部門別、流水號、ID或手機號碼之其中幾碼進行繳款人身分識別轉換為銷帳編號後5碼。 In the above-mentioned embodiment of the present invention, the self-selected coding rule can be converted into 5 digits after the account cancellation number according to several codes of department, serial number, ID or mobile phone number.
於本創作上述實施例中,該控制單元為中央處理器。 In the above embodiment of the present invention, the control unit is a central processor.
於本創作上述實施例中,該收發單元可為無線網路通訊協定。 In the above embodiment of the present invention, the transceiver unit may be a wireless network communication protocol.
於本創作上述實施例中,該收款單元至少具有一帳單條碼產製模組及一銷帳模組,該帳單條碼產製模組可產製QR Code帳單,該銷帳模組可根據該網路繳庫明細資料檔完成核銷帳作業。 In the above embodiment of the present invention, the collection unit has at least a billing barcode production module and a write-off module. The billing barcode production module can produce a QR Code bill and the write-off module The verification and cancellation operation can be completed according to the detailed data file of the network payment database.
於本創作上述實施例中,該行動裝置為智慧型手機或平板電腦。 In the above embodiment of the present invention, the mobile device is a smart phone or a tablet computer.
1:線上付款裝置 1: Online payment device
11:控制單元 11: Control unit
12:銷帳編號編碼單元 12: Write-off number coding unit
13:收款單元 13: Collection unit
131:帳單條碼產製模組 131: Billing barcode production module
132:銷帳模組 132: Account cancellation module
14:收發單元 14: transceiver unit
15:繳費單元 15: Payment unit
16:帳務代理單元 16: Account Agent Unit
2:中央機構 2: Central agency
3:扣款機構 3: Deduction agencies
4:行動裝置 4: Mobile device
5:央行機構 5: Central bank institutions
第1圖,係本創作之方塊示意圖。 Figure 1 is a block diagram of this creation.
請參閱『第1圖』所示,係本創作之方塊示意圖。如圖所示:本創作係一種中央機關收款作業導入行動支付的線上付款裝置1,其包含一控制單元11、一銷帳編號編碼單元12、一收款單元13、一收發單元14、一繳費單元15以及一帳務代理單元16所構成。
Please refer to "
上述所提之控制單元11可為中央處理器,用以作為該銷帳編號編碼單元12、該收款單元13、該收發單元14、該繳費單元15與該帳務代理單元16,運作時之運算、控制、處理、編碼、解碼與各式驅動指令之下達。
The
該銷帳編號編碼單元12連接該控制單元11,可依據銷帳編號編碼規則,將共16碼的銷帳編號分為兩部分,一部分的前11碼係由一中央機構2(為財政部國庫署)核編之14碼匯款繳庫帳號轉換,省略其中2碼檢查碼,以及將作為收入科目前2碼經轉換為1碼,令該中央機構核編之14碼繳庫帳號簡化為11碼,另一部分的後5碼則由扣款機構3編列,作為繳款人身分識別之用,扣款機構3可視業務需求,自行擇定編碼規則。
The write-off
該收款單元13為中央收款機關,係連接該控制單元11,其至少具有一帳單條碼產製模組131及一銷帳模組132,該帳單條碼產製模
組131可依據該銷帳編號編碼單元12之銷帳編號編碼規則產製快速響應矩陣碼(QR Code)帳單。
The
該收發單元14可為無線網路通訊協定,其連接該控制單元11,可供與繳款人之行動裝置4進行連結,而該行動裝置4可為智慧型手機或平板電腦。
The
該繳費單元15連接該控制單元11,可供繳款人透過該收發單元14之傳輸,下載安裝應用程式(Application,APP)並登入後,以支付功能掃碼該收款單元13產製之QR Code帳單,輸入綁定至少一金融帳號完成繳費,並送出該繳費之一繳納金額、繳款方式、交易時間及交易筆數。
The
該帳務代理單元16為國庫銀行,其連接該控制單元11,用以定期更新該中央機構2繳庫帳號之資訊,並將該繳費單元15代收款項逐筆之銷帳編號依該銷帳編號編碼規則還原成繳庫帳號,再將還原後之繳庫帳號與更新之中央機構2繳庫帳號進行線上比對,比對結果不符合者將另行以異常註記,最後將該繳庫帳號、繳款人由該扣款機構3編列之銷帳編號(原銷帳編號後5碼)、該繳納金額、該繳款方式(新增QR Code交易型態)、該交易時間、該交易筆數及該異常註記合併成一網路繳庫明細資料檔,於交易隔日批次傳送至一央行機構5(為央行國庫局),由該央行機構5將該網路繳庫明細資料檔上傳至該中央機構2,由該收款單元13自行下載,回饋給該銷帳模組132,完成核銷帳作業。如是,藉由上述揭露之裝置構成一全新之中央機關收款作業導入行動支付的線上付款裝置1。
The
上述銷帳編號編碼單元12的銷帳編號編碼規則,其中銷帳編號前11碼係由帳號轉換,其轉換規則為:
中央機構2(即財政部國庫署)核編之帳號共14碼,其中前11碼為收入科目,第3碼至第6碼及第12碼至第14碼合計7碼為機構代號。如國庫署一般捐獻A/C:10171001017003,收入科目為10171001017,機關代號為1710003。
The write-off number coding rules of the write-off
1.該收入科目第11碼(末碼),以及該機構代號第7碼(末碼),即該繳庫帳號第11碼及第14碼,係檢查碼,爰該2碼檢查碼可以省略。 1. The 11th code (last code) of the income account and the 7th code (last code) of the institution code, that is, the 11th code and 14th code of the deposit account, are the check codes. The 2 code check codes can be omitted .
2.該收入科目前2碼小於30,按下表一轉換規則,將2碼轉換為1碼,轉換規則為:前2碼為01至09者,直接轉換成1至9,而前2碼為10至29者,以英文字母順序轉換成A至W,其中英文字母O、I及L等易混淆字元,則不予使用;依上述規則可將該中央機構核編之14碼繳庫帳號簡化為11碼。 2. The income department currently has 2 yards less than 30. According to the conversion rules in the following table, convert 2 yards to 1 yard. The conversion rule is: the first 2 yards are 01 to 09, directly converted to 1 to 9, and the first 2 yards 10 to 29, converted into A to W in the order of English letters. Among them, the English letters O, I and L and other confusing characters are not used; according to the above rules, the 14 yards compiled by the central agency can be deposited Account number is simplified to 11 yards.
於一實施例中,國庫署一般捐獻之帳號中,收入科目為10171001017,帳號為10171001017003,機關代號為1710003,其中: In one embodiment, in the account of the general donation of the National Treasury, the income account is 10171001017, the account number is 10171001017003, and the agency code is 1710003, where:
1.收入科目第11碼(末碼)為檢查碼,計算方式如下表二:
將除了第11碼為檢查碼以外的第1碼至第10碼,按表二排列,由右至左,將第1碼乘上3,第2碼乘上4,依此類推至第5碼乘上7以後,第6碼從頭由3乘起,依此類推至第10碼乘上7,以上所有乘積合計為51,除以11,餘數為7,即為第11碼。其中,若可除盡或餘數為10,則檢查碼為0。
2.機構代號第7碼(末碼)亦為檢查碼,計算方式如下表三:
其演算方式同該收入科目,合計為58,除以11,餘數為3,即為第7碼。其中,若可除盡或餘數為10,則檢查碼為0 The calculation method is the same as that of the income account. The total is 58, divided by 11, and the remainder is 3, which is the 7th yard. Among them, if divisible or the remainder is 10, the check code is 0
依上述規則,將帳號第11碼及第14碼省略,以及前2碼轉換為1碼,國庫署一般捐獻帳號經轉換為11碼銷帳編號,如表四所示。 According to the above rules, the 11th and 14th codes of the account number are omitted, and the first 2 codes are converted to 1 code. The Treasury Department generally donates the account number to an 11-code cancellation account number, as shown in Table 4.
上述帳號轉換的還原演算,首先將銷帳編號第1碼先還原為2碼,即將A1710010100(11碼)還原為101710010100(12碼)。其次,由第1次還原後12碼之前10碼,依上述編碼規則,還原第11碼檢查碼,即將101710010100(12碼)還原為1017100101700(13碼)。最後,由第2次還原後之編號第3碼至第6碼,以及第12碼及第13碼,還原第14碼檢查碼,即將1017100101700(13碼)還原為 10171001017003(14碼)。經上述還原後,即將簡化的銷帳編號前11碼,還原為14碼繳庫帳號。其中,還原收入科目檢查碼與機關代號檢查碼無先後順序,亦可先還原機關代號檢查碼,再還原收入科目檢查碼。 The restoration calculation of the above account conversion first restores the first code of the account cancellation number to 2 codes, that is, restores A1710010100 (11 codes) to 101710010100 (12 codes). Secondly, from the 10 codes before the 12 codes after the first restoration, according to the above coding rules, restore the 11th code check code, that is, restore 101710010100 (12 codes) to 1017100101700 (13 codes). Finally, from the 3rd to 6th codes and the 12th and 13th codes after the second restoration, restore the 14th code check code, that is, restore 1017100101700 (13 codes) to 10171001017003 (14 yards). After the above restoration, the first 11 codes of the simplified write-off number will be restored to the 14-code payment account. Among them, there is no order to restore the income account check code and the organization code check code. You can also restore the organization code check code first, and then restore the income account check code.
銷帳編號後5碼為繳款人身分識別,其編碼規則係由扣款機構編列,作為繳款人身分識別之用,扣款機構可視業務需求,自行擇定編碼規則(部門別、流水號、ID或手機號碼之其中幾碼)。 The 5 digits after the account cancellation number are the payer's identity, and the coding rules are compiled by the deduction agency. For the purpose of the payer's identification, the deduction agency can choose the coding rules (department type, serial number) according to the business needs. , ID or mobile phone number).
於一實施例中,扣款機構進行繳款人身分識別轉換為銷帳編號後5碼,可參考下表五方式:
當運用時,可讓使用者之行動裝置4(如智慧型手機)與該收發單元14進行連結,而該收發單元14可為無線網路通訊協定,例如:3G、4G、5G、wi-fi等。待完成連結之後,便可由該繳費單元15下載應用程式(台灣行動支付APP或金融機構之行動銀行APP)後,輸入個人驗證資料,並綁定一組或多組的金融卡資料或信用卡資料註冊成會員。
When in use, the mobile device 4 (such as a smart phone) of the user can be connected to the
首先,由帳務代理單元16(國庫銀行)定期更新中央機構2(財政部國庫署)繳庫帳號資訊。 First, the account agent unit 16 (Treasury Bank) regularly updates the deposit account information of the central agency 2 (Treasury Department of the Ministry of Finance).
其次,由銷帳編號編碼單元12依照如上所述銷帳編號編碼規則:銷帳編號共16碼(可採英文、數字或其組合),分為兩部分,一部分的前11碼係由中
央機構2(財政部國庫署)核編之14碼匯款繳庫帳號轉換,省略2碼檢查碼,以及收入科目前2碼經轉換為1碼,則14碼繳庫帳號簡化為11碼;後5碼則由扣款機構3(扣款銀行)編列,作為繳款人身分識別之用,扣款機構3可視業務需求,自行擇定編碼規則。
Secondly, the write-off
接著,由收款單元13(中央收款機關)依據前項銷帳編號編碼規則產製QR Code帳單。 Next, a QR Code statement is produced by the collection unit 13 (central collection agency) according to the coding rule for the write-off number in the preceding paragraph.
然後,繳款人利用行動裝置4登入台灣行動支付APP或金融機構之行動銀行APP,以支付功能掃碼前項產製之QR Code帳單(可供遠端支付或臨櫃支付),輸入綁定金融卡之密碼或信用卡驗證流程完成繳費。 Then, the payer uses the mobile device 4 to log in to the Taiwan mobile payment app or the mobile banking app of the financial institution, and scans the QR Code bill produced by the preceding item with the payment function (available for remote payment or over-the-counter payment), and enters the binding The payment of the card's password or credit card verification process is completed.
繼之,由帳務代理單元16(國庫銀行)將代收款項逐筆之銷帳編號依上述銷帳編號編碼規則還原成繳庫帳號。 Then, the account agency unit 16 (the Treasury Bank) restores the write-off account number of the collected money one by one to the account number of the deposit account in accordance with the above-mentioned write-off number coding rules.
再者,該帳務代理單元16(國庫銀行)將還原後之繳庫帳號與更新之中央機構2(財政部國庫署)繳庫帳號進行線上比對,比對結果不符合者將另行註記異常。 In addition, the accounting agent unit 16 (Treasury Bank) compares the restored deposit account with the updated deposit account of the central authority 2 (Ministry of Finance, Treasury Department) online. If the comparison result does not match, an exception will be noted separately. .
並且,該帳務代理單元16(國庫銀行)將繳庫帳號、繳款人自編之銷帳編號(原銷帳編號後5碼)、繳納金額、繳款方式(新增QR Code交易型態)、交易時間、交易筆數及異常註記併入合成一網路繳庫明細資料檔(國庫銀行的國庫收支連線作業),於交易隔日批次傳送央行機構5(央行國庫局)。 In addition, the account agency unit 16 (Treasury Bank) will pay the account number, the account write-out number prepared by the payer (5 codes after the original account write-out number), the payment amount, and the payment method (new QR Code transaction type) ), the transaction time, the number of transactions and the abnormal notes are combined into a detailed data file of the online treasury payment (the treasury bank’s treasury revenue and expenditure connection operation), and the central bank institution 5 (the central bank treasury bureau) is batched on the next day of the transaction.
而後,該央行機構5將該網路繳庫明細資料檔上傳至該中央機構2(財政部國庫署),由收款單元13(中央收款機關)自行下載,回饋給銷帳模組132,完成核銷帳作業。
Then, the
最後,異常註記之交易由該帳務代理單元16(國庫銀行)洽扣款機構3 (扣款銀行),於聯繫繳款人確認繳庫單位後,由該收款單元13(中央收款機關)進行機關間之帳務轉正及核銷作業。 Finally, the transaction of abnormal annotation is negotiated by the account agency unit 16 (Treasury Bank) with the debit agency 3 (Debit Bank), after contacting the payer to confirm the payment unit, the collection unit 13 (central collection agency) will perform the inter-organizational account correction and verification operations.
QR Code係二維條碼的其中一種型式,其應用範圍已經擴展到包括產品跟蹤、物品識別、文件管理、及行銷推廣等方面。中央機關及國庫銀行運用銷帳編號運算方式,將中央機關繳納管道導入QR Code,可以解決傳統前案業務及技術需求問題,茲說明如下: QR Code is one of the two-dimensional barcodes, and its application range has been expanded to include product tracking, item identification, document management, and marketing promotion. The central authority and the treasury bank use the calculation method of the write-off number to import the central authority payment pipeline into the QR Code, which can solve the traditional business and technical needs of the previous case. The explanations are as follows:
1.中央機關共有逾6百多個機關單位,導入行動支付除可解決繳款人臨櫃辦理之不便外,對於轉帳繳付作業的處理方式提供更新的選擇,亦能符合其金融創新之要求。 1. There are more than 600 government agencies in the central government. Introducing mobile payment can not only solve the inconvenience of payers to handle counters, but also provide updated options for the processing methods of transfer and payment operations, and can also meet their financial innovation requirements. .
2.機關繳款人無需再行輸入,可將繳費管道由臨櫃、金融票據兌(交)換、桌上型電腦輸入、或插卡驗證改為更便捷的單(手)機操作即可完成。 2. There is no need for input from the government payer, and the payment channel can be changed from the counter, financial bill exchange (delivery), desktop computer input, or card verification to a more convenient single (hand) machine operation. carry out.
3.可大幅降低因繳款人輸入錯誤,財政部國庫署、央行國庫局及國庫機關人工轉正之時間。 3. It can greatly reduce the time for manual correction by the Treasury Department of the Ministry of Finance, the Treasury Bureau of the Central Bank and the Treasury Department due to input errors by the payer.
4.因將繳款人資訊去識別化,可避免繳款人個資外洩。 4. By deidentifying the information of the payer, the leakage of the payer's personal capital can be avoided.
5.中央機關帳務集中化之銷帳編號統一運算規則,可大幅減化機關個別與金融機構簽約申辦流程(僅需函文通知)。 5. The unified calculation rule of the central bank's account centralization account write-off number can greatly reduce the application process of the agency's individual contract with the financial institution (only letter notification is required).
6.銷帳、對帳採線上作業,款項入帳機關人員無需再填寫國庫繳庫相關表單。 6. Online operations are used to cancel and reconcile accounts, and the personnel of the account entry agency do not need to fill out the relevant forms of treasury payment.
相較於傳統以人工對帳之作業方式,本發明以媒體檔提供轉帳繳付明細上傳及回饋之作業模式,對於財政部國庫署、央行國庫局現有系統的衝擊與改變並不大,卻帶給中央機關及金融機構更多的便利。 Compared with the traditional manual reconciliation operation mode, the present invention provides the operation mode of uploading and returning details of transfer payment with media files, which has little impact and change on the existing systems of the Treasury Department of the Ministry of Finance and the Central Bank Treasury Bureau. Give more convenience to central authorities and financial institutions.
綜上所述,本創作係一種中央機關收款作業導入行動支付的線上付款裝置,可有效改善習用之種種缺點,將中央機關收款作業導入行動(手 機)支付,運算出符合中央機關帳務集中化繳庫帳號及足以辨識繳款人(取代個人資訊輸入)之銷帳編號,使中央機關能採用批次對帳、整批核銷等線上帳務作業,達成能讓繳款人便於使用的線上繳庫作業,進而使本創作之產生能更進步、更實用、更符合使用者之所須,確已符合新型專利申請之要件,爰依法提出專利申請。 In summary, this creation is an online payment device for central government collection operations to introduce mobile payment, which can effectively improve the various shortcomings of practice and introduce central government collection operations into mobile (hand Payment), calculate the account cancellation number that is consistent with the central government account centralized payment database and sufficient to identify the payer (replace personal information input), so that the central authority can use batch reconciliation, whole batch verification and other online accounts Business operations, to achieve online payment operations that can be easily used by payers, so that the creation of this creation can be more advanced, more practical, and more in line with the needs of users. It has indeed met the requirements for new patent applications, and it is proposed according to law patent application.
惟以上所述者,僅為本創作之較佳實施例而已,當不能以此限定本創作實施之範圍;故,凡依本創作申請專利範圍及新型說明書內容所作之簡單的等效變化與修飾,皆應仍屬本創作專利涵蓋之範圍內。 However, the above are only the preferred embodiments of this creation, which should not be used to limit the scope of the implementation of this creation; therefore, any simple equivalent changes and modifications made in accordance with the scope of the patent application for this creation and the content of the new specification , Should still fall within the scope of this creative patent.
1:線上付款裝置 1: Online payment device
11:控制單元 11: Control unit
12:銷帳編號編碼單元 12: Write-off number coding unit
13:收款單元 13: Collection unit
131:帳單條碼產製模組 131: Billing barcode production module
132:銷帳模組 132: Account cancellation module
14:收發單元 14: transceiver unit
15:繳費單元 15: Payment unit
16:帳務代理單元 16: Account Agent Unit
2:中央機構 2: Central agency
3:扣款機構 3: Deduction agencies
4:行動裝置 4: Mobile device
5:央行機構 5: Central bank institutions
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Cited By (2)
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TWI778573B (en) * | 2021-04-12 | 2022-09-21 | 財金資訊股份有限公司 | Method and system for integrating payment platform |
TWI823222B (en) * | 2021-04-30 | 2023-11-21 | 日商樂天銀行股份有限公司 | Account payment system and account payment method |
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TWI778573B (en) * | 2021-04-12 | 2022-09-21 | 財金資訊股份有限公司 | Method and system for integrating payment platform |
TWI823222B (en) * | 2021-04-30 | 2023-11-21 | 日商樂天銀行股份有限公司 | Account payment system and account payment method |
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