TWM637238U - Automatic bill payment system - Google Patents

Abstract

An automatic bill payment system, the system includes a transceiver, a storage medium and a processor. The transceiver communicates with a bank server. The processor accesses and executes a display module, a selection setting module and a transfer module stored in the storage medium. The display module is used to display billing information and contract information. The billing information at least includes a bill payment link and a payment amount. The selection setting module is used for a user to select an agreed bank type, payment account number and payment date on an agreement information displayed by the display module after the user clicks the bill payment link. The transfer module transfers the payment through the transceiver and the bank server according to the agreed bank type, the payment account number, the payment date and the payment amount selected by the user.

Description

Automatic Bill Payment System

The present invention relates to a payment system, and in particular to an automatic payment system for bills.

Currently common credit card payment methods such as paper payment, filling out the deduction application form for automatic deduction of card fees, or transfer to an ATM by the customer, or transfer the credit card payment account to an agreed or non-agreed account through online banking , or through the online banking of financial institutions to initiate debit through ACH, etc.

Those who adopt the self-payment method, for example, may apply for many credit cards, and because different credit cards may have different payment times, they often forget which time to pay the fee, which may result in late payment fees (or late payment interest) , there may also be cases of repeated payment.

The new creation provides an automatic payment system for bills, which not only simplifies the payment method of users, but also effectively reduces the situation that users forget to pay.

An automatic bill payment system created by the invention includes a transceiver, a storage medium and a processor. The transceiver communicates with the bank server. The storage medium is used for storing multiple modules. The processor is coupled to the storage medium and the transceiver, and the processor accesses and executes the display module, the selection setting module and the transfer module stored in the storage medium. The display module is used to display billing information and appointment information, and the billing information at least includes a bill payment link and payment amount. The selection setting module is electrically connected with the display module, so that after the user clicks the bill payment link, the user selects the agreed bank type, payment account number and payment date on the agreed information displayed by the display module. The transfer module is electrically connected with the selection setting module, and transfers and pays through the transceiver and the bank server according to the agreed bank type, payment account number, payment date and payment amount selected by the user.

In an embodiment of the new creation, the above-mentioned automatic bill payment system, wherein the modules further include an input module and an identity verification module, wherein the input module is electrically connected to the display module for The user inputs the verification information; the identity verification module is electrically connected to the display module and the input module respectively, and is used to send the verification information to the bank server for identity verification, and to receive the verification result information after the identity verification by the bank server .

In an embodiment of the present invention, in the above-mentioned automatic payment system for bills, the modules further include a login module, which is used for users to log in to the online bank.

In an embodiment of the new creation, the above-mentioned automatic bill payment system, wherein the agreed information further includes confirmation information and a monthly payment cycle.

Based on the above, this new creation provides an automatic bill payment system, which not only provides users with the existing daily use platform (such as online banking) to set up automatic bill payment, but also simplifies the user's payment method for ease of use Those who pay in time can effectively reduce the situation that users forget to pay.

In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the following specific embodiments are described in detail together with the accompanying drawings.

FIG. 1 is a schematic diagram of an automatic bill payment system according to a first embodiment of the invention. Fig. 2 is a schematic diagram of an automatic bill payment system according to a second embodiment of the invention.

Please refer to FIG. 1 and FIG. 2 , an automatic bill payment system 10 according to an embodiment of the present disclosure includes a processor 110 , a storage medium 120 and a transceiver 130 .

The transceiver 130 transmits and receives signals in a wireless or wired manner. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The storage medium 120 is used for storing various software, data and various program codes required for the operation of the automatic bill payment system 10 . The storage medium 120 is, for example, any type of fixed or removable random access memory (random access memory, RAM), read-only memory (read-only memory, ROM), flash memory (flash memory) , hard disk drive (hard disk drive, HDD), solid state drive (solid state drive, SSD) or similar components or a combination of the above components, and are used to store multiple modules or various application programs executable by the processor 110 . In one embodiment, as shown in FIG. 1 , the storage medium 120 can store a display module 1201 , a selection setting module 1202 , a transfer module 1203 , an input module 1204 and an identity verification module 1205 . In another embodiment, as shown in FIG. 2 , the storage medium 120 can store a display module 1201 , a selection setting module 1202 , a transfer module 1203 and a login module 1206 .

The processor 110 is, for example, a central processing unit (central processing unit, CPU), or other programmable general purpose or special purpose micro control unit (micro control unit, MCU), microprocessor (microprocessor), digital signal processing Digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (graphics processing unit, GPU), image signal processor (image signal processor, ISP) ), image processing unit (image processing unit, IPU), arithmetic logic unit (arithmetic logic unit, ALU), complex programmable logic device (complex programmable logic device, CPLD), field programmable logic gate array (field programmable gate array , FPGA) or other similar components or combinations of the above components. The processor 110 can be coupled to the storage medium 120 and the transceiver 130 , and access and execute various application programs stored in the storage medium 120 and multiple modules stored in the storage medium 120 .

Wherein, the display module 1201 is used for displaying bill information and appointment information, and the bill information may include a bill payment link and payment amount. The agreed information may include agreed bank type, payment account number, payment date, confirmation information and monthly payment cycle. The new creation is not limited to this.

The selection setting module 1202 is electrically connected with the display module 1201, and is used for following the agreement information displayed on the display module 1201 after the user clicks the bill payment link on the display screen of the display module 1201. You need to choose the agreed bank type, payment account number and payment date.

The transfer module 1203 is electrically connected with the selection setting module 1202, and performs transfer and payment operations through the transceiver 130 and the bank server 20 according to the bank type, payment account number, payment date and payment amount agreed upon by the user.

In the first embodiment, the automatic bill payment system 10 further includes an input module 1204 and an identity verification module 1205, wherein the input module 1204 is electrically connected to the display module 1201 for users to input verification information. The identity verification module 1205 is electrically connected with the display module 1201 and the input module 1204 respectively, and is used for sending verification information to the bank server 20 for identity verification, and receiving verification result information after the bank server 20 performs identity verification.

In the second embodiment, the bill automatic payment system 10 further includes a login module 1206 for the user to log in to the online bank, and to verify the identity of the user according to whether the user logs in to the online bank.

Fig. 3 is a flow chart of a bill automatic payment method according to a first embodiment of the invention. Fig. 4 is a schematic diagram of the operation of the automatic bill payment method according to a first embodiment of the invention.

Please refer to FIG. 3 and FIG. 4 , in the first embodiment, in step S301 , the user inputs verification information through the input module 1204 .

In step S302, the identity verification module 1205 sends the verification information to the bank server 20 for identity verification, and receives the verification result information after the bank server 20 performs identity verification.

As shown in FIG. 4 , the user can make an appointment setting on the schematic image 30 of the appointment webpage.

In step S303, the display module 1201 displays billing information and appointment information, and the billing information may include a bill payment link and payment amount. The agreed information can include the agreed bank type, payment account number (for example, you can select or fill in the bank type/fill in the account number), payment date (for example, you can select from the drop-down date menu), confirmation information (for example, I confirm that the current period is August 111 Zhong O Trust’s $2,000 account statement is correct) and monthly payment cycle (for example, the 10th of each month, the 15th of each month, and the 20th of each month). The new creation is not limited to this.

In step S304, after the user clicks the bill payment link, the user selects the agreed bank type, payment account number and payment date on the agreed information displayed on the display module 1201 .

In step S305, the transfer module 1203 performs the transfer and payment operation according to the agreed bank type, payment account number, payment date and payment amount selected by the user.

FIG. 5 is a flow chart of a method for automatic payment of bills according to a second embodiment of the invention. FIG. 6 and FIG. 7 are schematic diagrams of the operation of the bill automatic payment method according to a second embodiment of the present invention.

Please refer to FIG. 5, FIG. 6 and FIG. 7. In the second embodiment, in step S401, the user logs in to the online bank through the login module 1206, and the user is identified by whether the user logs in to the online bank. verify.

As shown in FIGS. 6 and 7 , the user can perform appointment setting operations on the OO bank bill presentation screen 40 and the agreed credit card account presentation screen 50 .

In step S402, the display module 1201 displays bill information and appointment information. The bill information may include a bill payment link and payment amount. The agreed information can include the agreed bank, payment account (for example, you can select or fill in the bank type/fill in the account number), payment date and confirmation information (for example, the bill of $2,000 in August 2011 is correct). The new creation is not limited to this.

In step S403 , after the user clicks the bill payment link, the user selects the agreed bank type, payment account number and payment date on the agreed information displayed on the display module 1201 .

In step S404, the transfer module 1203 performs transfer and payment according to the agreed bank type, payment account number, payment date and payment amount selected by the user.

Based on the above, this new creation provides an automatic bill payment system, which not only provides users with the existing daily use platform (such as online banking) to set up automatic bill payment, but also simplifies the user's payment method for ease of use Those who pay in time can effectively reduce the situation that users forget to pay.

Although the present disclosure has been disclosed above with embodiments, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of this disclosure should be defined by the scope of the appended patent application.

10: Bill automatic payment system 20: Bank server 30: Schematic screen for appointment web page 40: OO bank statement screen 50: Schematic screen for agreeing credit card account number 110: Processor 120: storage media 130: Transceiver 1201: display module 1202: Select setting module 1203: transfer module 1204: input module 1205: Authentication module 1206: Login module S301, S302, S303, S304, S305, S401, S402, S403, S404: steps

FIG. 1 is a schematic diagram of an automatic bill payment system according to a first embodiment of the invention. Fig. 2 is a schematic diagram of an automatic bill payment system according to a second embodiment of the invention. Fig. 3 is a flow chart of a bill automatic payment method according to a first embodiment of the invention. Fig. 4 is a schematic diagram of the operation of the automatic bill payment method according to a first embodiment of the invention. FIG. 5 is a flow chart of a method for automatic payment of bills according to a second embodiment of the invention. FIG. 6 and FIG. 7 are schematic diagrams of the operation of the bill automatic payment method according to a second embodiment of the present invention.

10: Bill automatic payment system

20: Bank server

110: Processor

120: storage media

130: Transceiver

1201: display module

1202: Select setting module

1203: transfer module

1204: input module

1205: Authentication module

Claims (4)

An automatic bill payment system comprising: Transceiver for communication connection with the bank server; a storage medium for storing multiple modules; and A processor, coupled to the storage medium and the transceiver, the processor accesses and executes the modules stored in the storage medium, and the modules include: A display module for displaying billing information and appointment information, the billing information at least including a bill payment link and payment amount; The selection setting module is electrically connected with the display module, so that after the user clicks the bill payment link, the user selects the agreed bank type and payment account number on the agreed information displayed on the display module and the date of payment; and The transfer module is electrically connected to the selection setting module, and transfers and pays through the transceiver and the bank server according to the bank type, the payment account number, the payment date and the payment amount agreed upon by the user. payment. The bill automatic payment system as described in Claim 1, wherein the modules further include: an input module, electrically connected to the display module, for the user to input verification information; and The identity verification module is electrically connected with the display module and the input module respectively, and is used for sending the verification information to the bank server for identity verification, and receiving verification result information after identity verification by the bank server. The bill automatic payment system as described in Claim 1, wherein the modules further include: The login module is used for the user to log in to the online banking. The bill automatic payment system as described in claim 1, wherein the agreed information further includes confirmation information and a monthly payment cycle.

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