TWM649046U - Payment integration management system - Google Patents
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Abstract
一種繳費整合管理系統，包含一使用者端電子裝置及一繳費整合管理主機。該使用者端電子裝置顯示來自該繳費整合管理主機的多筆帳單資料，並供一使用者操作選取該等帳單資料其中至少一者。該繳費整合管理主機根據被選取的該帳單資料，自多筆繳費方式資訊中選出至少一適用繳費方式資訊，並自該適用繳費方式資訊中選出一者作為最佳繳費方式資訊，並根據該適用繳費方式資訊、該最佳繳費方式資訊及該可使用繳費方式資訊產生一推薦繳費方式訊息，並將該推薦繳費方式訊息傳送至該使用者端電子裝置。從而使整體繳費流程簡便化並提升繳費時的便利性。A payment integrated management system includes a user-end electronic device and a payment integrated management host. The user-end electronic device displays a plurality of billing data from the payment integrated management host, and allows a user to select at least one of the billing data. The payment integrated management host selects at least one applicable payment method information from a plurality of payment method information based on the selected bill data, and selects one of the applicable payment method information as the best payment method information, and based on the The applicable payment method information, the best payment method information and the usable payment method information generate a recommended payment method message, and the recommended payment method message is sent to the user electronic device. This will simplify the overall payment process and improve the convenience of payment.
Description
本新型是有關於一種雲端系統，特別是指一種繳費整合管理系統。The present invention relates to a cloud system, in particular to a payment integrated management system.
由於科技的發展，在帳單繳費的上越來越多人選擇線上而非至實體店面繳費，然而，現行的線上繳費系統在有多筆須繳納的帳單的情況時，使用者僅能夠逐筆繳納，導致整體繳費流程繁複不便，再者，根據事業單位本身的規範及法令限制，並不是每一筆帳單都適用任何一種繳費方式，且不同的繳費方式可能會有不同的回饋或優惠，使用者在繳費時並不一定能清楚每一張帳單的最佳繳費方式，對於使用者來說是另一種損失及不便。Due to the development of technology, more and more people choose to pay bills online instead of going to physical stores. However, with the current online payment system, when there are multiple bills to be paid, users can only pay bills one by one. Payment makes the overall payment process complicated and inconvenient. Furthermore, according to the regulations and legal restrictions of the public institutions, not every bill is applicable to any payment method, and different payment methods may have different rewards or discounts. Use Users may not necessarily know the best payment method for each bill when paying, which is another loss and inconvenience for users.
因此，本新型的目的，即在提供一種能將整體繳費過程簡便化且提升繳費時的便利性的繳費整合管理系統。Therefore, the purpose of the present invention is to provide an integrated payment management system that can simplify the overall payment process and improve the convenience of payment.
於是，本新型繳費整合管理系統，包含一使用者端電子裝置，及一繳費整合管理主機。Therefore, the new payment integrated management system includes a user-side electronic device and a payment integrated management host.
該使用者端電子裝置供一使用者操作。The user-side electronic device is operated by a user.
該繳費整合管理主機經由通訊連接該使用者端電子裝置，並儲存多筆帳單資料、多筆繳費方式資訊，及至少一對應於該使用者的可使用繳費方式資訊。每一帳單資料包括一繳費項目，該可使用繳費方式資訊對應於該等繳費方式資訊的至少一者。The payment integrated management host is connected to the user electronic device through communication, and stores a plurality of billing information, a plurality of payment method information, and at least one usable payment method information corresponding to the user. Each billing information includes a payment item, and the usable payment method information corresponds to at least one of the payment method information.
該繳費整合管理主機傳送該等帳單資料至該使用者端電子裝置，該使用者端電子裝置顯示該等帳單資料，並供該使用者操作選取該等帳單資料其中至少一者。The payment integrated management host transmits the billing information to the user-side electronic device, and the user-side electronic device displays the billing information and allows the user to operate and select at least one of the billing information.
當該繳費整合管理主機接收到一包括被選取的該帳單資料的繳費請求，該繳費整合管理主機根據被選取的該帳單資料所包括的該繳費項目，自該等繳費方式資訊中選出所有能運用於該繳費項目之繳費程序者作為適用繳費方式資訊，並依一預設規則自該適用繳費方式資訊中選出一者作為最佳繳費方式資訊。When the payment integrated management host receives a payment request including the selected bill information, the payment integrated management host selects all the payment method information based on the payment items included in the selected bill information. The payment procedure that can be applied to the payment item is used as the applicable payment method information, and one of the applicable payment method information is selected as the best payment method information according to a preset rule.
該繳費整合管理主機根據該適用繳費方式資訊、該最佳繳費方式資訊及該可使用繳費方式資訊產生一推薦繳費方式訊息，並傳送該推薦繳費方式訊息至該使用者端電子裝置，供該使用者端電子裝置顯示。The payment integrated management host generates a recommended payment method message based on the applicable payment method information, the best payment method information and the usable payment method information, and sends the recommended payment method message to the user electronic device for use. Displayed on the terminal electronic device.
在一些實施態樣中，該使用者端電子裝置是於一使用者介面之同一列表顯示該等帳單資料。In some implementations, the user electronic device displays the billing information in the same list in a user interface.
在一些實施態樣中，該繳費整合管理主機根據該適用繳費方式資訊、該最佳繳費方式資訊及該可使用繳費方式資訊產生該推薦繳費方式訊息的方式包含：該繳費整合管理主機判斷該適用繳費方式資訊與該可使用繳費方式資訊是否至少一部分相符；當該繳費整合管理主機判斷出該適用繳費方式資訊與該可使用繳費方式資訊至少一部分相符，該繳費整合管理主機接著判斷該可使用繳費方式資訊與該最佳繳費方式資訊是否至少一部分相符，當該繳費整合管理主機判斷出該可使用繳費方式資訊與該最佳繳費方式資訊至少一部分相符，該繳費整合管理主機產生包括該最佳繳費方式資訊的該推薦繳費方式訊息並傳送該推薦繳費方式訊息至該使用者端電子裝置。In some implementations, the payment integrated management host generates the recommended payment method information based on the applicable payment method information, the best payment method information and the available payment method information includes: the payment integrated management host determines the applicable payment method information. Whether the payment method information is at least partially consistent with the usable payment method information; when the payment integrated management host determines that the applicable payment method information is at least partially consistent with the usable payment method information, the payment integrated management host then determines that the available payment method information is consistent Whether the method information is at least partially consistent with the best payment method information. When the payment integrated management host determines that the usable payment method information is at least partially consistent with the best payment method information, the payment integrated management host generates information including the best payment method. The recommended payment method message of the method information is sent to the user electronic device.
在一些實施態樣中，當該繳費整合管理主機判斷該可使用繳費方式資訊與該最佳繳費方式資訊不相符，該繳費整合管理主機產生包括該可使用繳費方式資訊的該推薦繳費方式訊息及一包括該最佳繳費方式資訊的建議繳費方式訊息，並傳送該推薦繳費方式訊息及該建議繳費方式訊息至該使用者端電子裝置。In some implementations, when the payment integrated management host determines that the usable payment method information does not match the best payment method information, the payment integrated management host generates the recommended payment method information including the usable payment method information and A recommended payment method message including the best payment method information, and sending the recommended payment method message and the recommended payment method message to the user electronic device.
在一些實施態樣中，該繳費整合管理系統適於與至少一繳費事業單位主機通訊。當該繳費整合管理主機自該繳費事業單位主機取得對應於該使用者的該帳單資料，該繳費整合管理主機傳送一對應於該帳單資料的繳費提醒訊息至該使用者端電子裝置，供該使用者端電子裝置顯示。In some implementations, the payment integrated management system is adapted to communicate with at least one payment institution host. When the payment integrated management host obtains the bill information corresponding to the user from the payment institution host, the payment integrated management host sends a payment reminder message corresponding to the bill information to the user electronic device for The user electronic device displays.
在一些實施態樣中，該繳費整合管理主機是根據一特定週期自該繳費事業單位主機取得對應於該使用者的該帳單資料。In some implementations, the payment integrated management host obtains the billing information corresponding to the user from the payment institution host according to a specific cycle.
本新型的功效在於：藉由該使用者端電子裝置於該使用者介面之同一列表顯示該等帳單資料，並供該使用者操作選取該等帳單資料其中至少一者，讓該使用者能對於該等帳單資料一目了然，並可一次選取多筆帳單資料繳納，從而能將該等帳單資料整合，不必逐筆繳納，使整體繳費流程簡便化，再者，藉由該繳費整合管理主機根據被選取的該帳單資料所包括的該繳費項目選出該適用繳費方式資訊及該最佳繳費方式資訊後再根據該適用繳費方式資訊、該最佳繳費方式資訊及該可使用繳費方式資訊同時產生該推薦繳費方式訊息及該建議繳費方式訊息或僅產生該推薦繳費方式訊息，並將所產生的訊息傳送至該使用者端電子裝置， 能讓該使用者輕鬆得知被選取的該帳單資料所包括的該繳費項目的該最佳繳費方式資訊，從而提升了使用者在繳費時的便利性。The function of this new model is to display the billing information in the same list of the user interface through the user-end electronic device, and allow the user to operate and select at least one of the billing information, so that the user can The billing information can be seen at a glance, and multiple billing information can be selected for payment at one time, so that the billing information can be integrated without the need to pay one by one, simplifying the overall payment process. Furthermore, through the payment integration The management host selects the applicable payment method information and the best payment method information based on the payment item included in the selected billing data, and then selects the applicable payment method information, the best payment method information, and the available payment method based on the applicable payment method information, the best payment method information, and the usable payment method. The information generates the recommended payment method information and the recommended payment method information at the same time or only generates the recommended payment method information, and sends the generated information to the user electronic device, so that the user can easily know the selected payment method. The billing data includes information on the best payment method for the payment item, thereby improving the user's convenience when paying.
參閱圖1，本新型繳費整合管理系統100的一實施例，適於與至少一繳費事業單位主機200通訊，並包含一使用者端電子裝置1及一繳費整合管理主機2。該繳費事業單位主機200可例如是有關於水費、電費、瓦斯費、電信費、學費等費用的繳費事業單位之系統主機，也可例如是有關於醫療費用的醫療機構之系統主機，但不以此為限。在本實施例中，該繳費事業單位主機200與該繳費整合管理主機2是以應用程式介面(Application Programming Interface, API)作資料傳收。Referring to Figure 1, an embodiment of the new payment integrated management system 100 is suitable for communicating with at least one payment institution host 200, and includes a user electronic device 1 and a payment integrated management host 2. The payment institution host 200 may be, for example, a system host of a payment institution related to water bills, electricity bills, gas bills, telecommunications fees, tuition fees, etc., or may be, for example, a system host of a medical institution related to medical expenses, but not This is the limit. In this embodiment, the payment institution host 200 and the payment integrated management host 2 use an application programming interface (Application Programming Interface, API) for data transmission and reception.
該使用者端電子裝置1供一使用者操作，並可例如為一智慧型手機、一平板電腦、一筆記型電腦或一桌上型電腦。The user-side electronic device 1 is operated by a user, and can be, for example, a smart phone, a tablet computer, a notebook computer or a desktop computer.
該繳費整合管理主機2經由通訊網路連接該使用者端電子裝置1，例如可由銀行機構所設置，並儲存多筆帳單資料D1、多筆繳費方式資訊D2，及至少一對應於該使用者的可使用繳費方式資訊D3。該等帳單資料D1是該繳費整合管理主機2從該繳費事業單位主機200處接收，該等帳單資料D1的應繳款人可以是該使用者本身，除此之外也可以是該使用者的家人。每一帳單資料D1包括一繳費項目，該繳費項目例如為水費、電費、信用卡費等。該等繳費方式資訊D2例如包括信用卡、銀行轉帳、行動支付等各類型可運用於帳單繳納的支付工具訊息。該可使用繳費方式資訊D3對應於該等繳費方式資訊D2的至少一者，包括該使用者於銀行機構的金融帳戶中所能使用的支付工具訊息。The payment integrated management host 2 is connected to the user electronic device 1 through a communication network, which can be set up by a banking institution, for example, and stores a plurality of billing information D1, a plurality of payment method information D2, and at least one corresponding to the user. Payment method information D3 can be used. The billing information D1 is received by the payment integrated management host 2 from the payment institution host 200. The payee of the billing information D1 may be the user himself, or it may also be the user. the person’s family. Each billing data D1 includes a payment item, such as water bill, electricity bill, credit card fee, etc. The payment method information D2 includes, for example, credit card, bank transfer, mobile payment and other types of payment instrument information that can be used for bill payment. The usable payment method information D3 corresponds to at least one of the payment method information D2, including payment instrument information that the user can use in the financial account of the banking institution.
參閱圖2，以下說明本新型繳費整合管理系統100的執行流程。Referring to Figure 2, the execution process of the new payment integrated management system 100 is explained below.
首先，如步驟S01所示，在該使用者要在該使用者端電子裝置1上進行該等帳單資料D1的整合性繳款作業程序時，可以先在該使用者端電子裝置1進行相關的資料輸入及操作，如此該繳費整合管理主機2便會傳送該等帳單資料D1至該使用者端電子裝置1，由該使用者端電子裝置1於一使用者介面之同一列表顯示該等帳單資料D1，並供該使用者操作選取該等帳單資料D1其中至少一者。藉此，該使用者能對於該等帳單資料D1一目了然，並可一次選取多筆帳單資料D1繳納，從而能將該等帳單資料D1整合，不必逐筆繳納。以繳納流程中的身分驗證的程序來說，該使用者僅需進行一次身分驗證即可繳納多筆帳單資料D1，使整體繳費流程簡便化。First, as shown in step S01, when the user wants to perform the integrated payment operation procedure of the bill data D1 on the user-side electronic device 1, he can first perform the related payment procedures on the user-side electronic device 1. Data input and operation, so that the payment integrated management host 2 will send the billing information D1 to the user-side electronic device 1, and the user-side electronic device 1 will display the billing information D1 in the same list of a user interface. Billing data D1, and allow the user to select at least one of the billing data D1. In this way, the user can see the billing information D1 clearly at a glance, and can select multiple pieces of billing information D1 to pay at one time, thereby integrating the billing information D1 without having to pay one piece at a time. Taking the identity verification procedure in the payment process as an example, the user only needs to perform identity verification once to pay multiple bills D1, simplifying the overall payment process.
在本實施例中，當該繳費整合管理主機2自該繳費事業單位主機200取得對應於該使用者的該帳單資料D1，該繳費整合管理主機2會傳送一對應於該帳單資料D1的繳費提醒訊息至該使用者端電子裝置1，供該使用者端電子裝置1顯示，用於提醒該使用者有關的繳費資訊。舉例來說，若該繳費事業單位主機200為有關於醫療費用的一醫療機構之系統主機，且該使用者於該繳費整合管理系統100中被設定為負責繳費家人的帳單費用的應繳款人，當該使用者之長輩前往該醫療機構看診，於完成看診後，該醫療機構之系統主機會傳送當次看診的帳單資料D1至該繳費整合管理主機2，而該繳費整合管理主機2即會傳送一對應於當次看診的帳單資料D1的繳費提醒訊息至該使用者端電子裝置1，供該使用者端電子裝置1顯示。除此之外，該繳費整合管理主機2還會自該醫療機構之系統主機取得一有關於當次看診的看診詳細資訊，並會根據該看診詳細資訊產生一健康資訊分析，並傳送該健康資訊分析至該使用者端電子裝置1。In this embodiment, when the payment integrated management host 2 obtains the bill data D1 corresponding to the user from the payment institution host 200, the payment integrated management host 2 will send a message corresponding to the bill data D1. The payment reminder message is sent to the user-side electronic device 1 for display by the user-side electronic device 1 to remind the user of the relevant payment information. For example, if the payment institution host 200 is a system host of a medical institution related to medical expenses, and the user is set in the payment integrated management system 100 to be responsible for paying the family members' bills. When the elder of the user goes to the medical institution for medical treatment, after the medical treatment is completed, the system host of the medical institution will send the billing information D1 of the current medical treatment to the payment integrated management host 2, and the payment integrated management host 2 The management host 2 will then send a payment reminder message corresponding to the billing data D1 of the current medical consultation to the user-side electronic device 1 for display by the user-side electronic device 1 . In addition, the payment integrated management host 2 will also obtain detailed medical information about the current medical consultation from the system host of the medical institution, and will generate a health information analysis based on the detailed medical information and send it to The health information is analyzed to the user electronic device 1 .
另外，在本實施例中，該繳費整合管理主機2也會根據一特定週期自該繳費事業單位主機200取得對應於該使用者的該帳單資料D1。且當該繳費整合管理主機2自該繳費事業單位主機200取得對應於該使用者的該帳單資料D1，該繳費整合管理主機2亦會傳送對應於該帳單資料D1的該繳費提醒訊息至該使用者端電子裝置1。換句話說，該繳費整合管理主機2會根據該特定週期來取得對應於該使用者的該帳單資料D1，而該特定週期可例如是該繳費整合管理主機2根據該使用者之過去多筆有關於該繳費事業單位主機200的繳費紀錄決定，但不以此為限。舉例來說，該繳費事業單位主機200為有關於電信費的一電信業者之系統主機，而該繳費整合管理主機2根據該使用者之過去多筆有關於該電信業者之系統主機的繳費紀錄判斷出為一個月繳納一次，則該特定週期被設定為一個月，而該繳費整合管理主機2於每個月的特定日期會自該電信業者之系統主機取得一對應於該使用者的帳單資料D1。當該繳費整合管理主機2取得該帳單資料D1，該繳費整合管理主機2即會傳送一對應於該帳單資料D1的繳費提醒訊息至該使用者端電子裝置1。從前述醫療機構與電信業者的例子中，本新型除了能在繳費上提醒該使用者繳費以減少該使用者發生帳單逾期的狀況，也可以於繳納的費用是有關於某些特殊場景(例如：醫療機構)時，提供相關資訊分析給該使用者參考。In addition, in this embodiment, the payment integrated management host 2 will also obtain the billing data D1 corresponding to the user from the payment institution host 200 according to a specific cycle. And when the payment integrated management host 2 obtains the billing information D1 corresponding to the user from the payment institution host 200, the payment integrated management host 2 will also send the payment reminder message corresponding to the billing information D1 to The user-end electronic device 1. In other words, the payment integrated management host 2 will obtain the billing information D1 corresponding to the user according to the specific period, and the specific period can be, for example, the payment integrated management host 2 based on the user's past multiple transactions. Determining the payment record of the host computer 200 of the payment institution, but not limited to this. For example, the payment institution host 200 is a system host of a telecommunications operator related to telecommunications charges, and the payment integrated management host 2 determines based on the user's past multiple payment records related to the system host of the telecommunications operator. If payment is made once a month, the specific period is set to one month, and the payment integrated management host 2 will obtain billing information corresponding to the user from the system host of the telecommunications operator on a specific day of each month. D1. When the payment integrated management host 2 obtains the bill data D1, the payment integrated management host 2 will send a payment reminder message corresponding to the bill data D1 to the user electronic device 1. From the aforementioned examples of medical institutions and telecommunications operators, in addition to reminding the user to pay bills to reduce the user's overdue bills, this new model can also be used when the payment is related to certain special scenarios (such as : medical institution), provide relevant information analysis for the user’s reference.
接著，如步驟S02所示，當該繳費整合管理主機2接收到一包括被選取的該帳單資料D1的繳費請求，該繳費整合管理主機2根據被選取的該帳單資料D1所包括的該繳費項目，自該等繳費方式資訊D2中選出所有能運用於該繳費項目之繳費程序者作為適用繳費方式資訊，並依一預設規則自該適用繳費方式資訊中選出一者作為最佳繳費方式資訊。需要補充說明的是，由於不同的繳費項目會因為不同事業單位規範或法令限制，故會有對應之適用繳費方式資訊，例如電信費可用信用卡、存款帳戶或行動支付繳費，但信用卡費僅可使用存款帳戶繳費。該預設規則可例如為根據最多回饋金額、最低繳費金額等計算公式設定，但不以此為限。Next, as shown in step S02, when the payment integration management host 2 receives a payment request including the selected billing data D1, the payment integration management host 2 based on the selected billing data D1 included in the payment request. For payment items, all payment procedures that can be applied to the payment item are selected from the payment method information D2 as the applicable payment method information, and one of the applicable payment method information is selected as the best payment method according to a preset rule. information. It should be added that since different payment items are subject to regulations or legal restrictions of different institutions, there will be corresponding applicable payment method information. For example, telecommunications fees can be paid by credit card, deposit account or mobile payment, but credit card fees can only be paid by credit card. Deposit account payment. The preset rules can be set based on calculation formulas such as the maximum rebate amount, the minimum payment amount, etc., but are not limited to this.
接著，如步驟S03所示，該繳費整合管理主機2判斷該適用繳費方式資訊與該可使用繳費方式資訊D3是否至少一部分相符。當判斷為是，則執行步驟S04；當判斷為否，則執行步驟S06。舉例來說，針對一特定的繳費項目，其對應的該適用繳費方式資訊為信用卡及行動支付，但不包括前述舉例的銀行轉帳。當該使用者的金融帳戶中的該可使用繳費方式資訊D3僅為信用卡時，符合步驟S03的判斷條件，則執行步驟S04；此外，當該使用者的金融帳戶中的該可使用繳費方式資訊D3僅為存款帳戶時，則與該適用繳費方式資訊(信用卡及行動支付)不符，如此會執行步驟S06。Next, as shown in step S03, the payment integration management host 2 determines whether the applicable payment method information and the usable payment method information D3 are at least partially consistent. When the determination is yes, step S04 is executed; when the determination is no, step S06 is executed. For example, for a specific payment item, the corresponding applicable payment method information is credit card and mobile payment, but does not include the aforementioned example of bank transfer. When the usable payment method information D3 in the user's financial account is only a credit card, the judgment condition of step S03 is met, then step S04 is executed; in addition, when the usable payment method information D3 in the user's financial account When D3 is only a deposit account, it does not match the applicable payment method information (credit card and mobile payment), so step S06 will be executed.
步驟S04是當該繳費整合管理主機2判斷出該適用繳費方式資訊與該可使用繳費方式資訊D3至少一部分相符，該繳費整合管理主機2會接著判斷該可使用繳費方式資訊D3與該最佳繳費方式資訊是否至少一部分相符。當判斷為是，則執行步驟S05；當判斷為否，則執行步驟S07。延續前述之例子(該適用繳費方式資訊為信用卡及行動支付，該可使用繳費方式資訊D3為信用卡)，當該最佳繳費方式資訊為信用卡時，則執行步驟S05；當該最佳繳費方式資訊為行動支付時，則執行步驟S07。Step S04 is when the payment integrated management host 2 determines that the applicable payment method information is consistent with at least part of the usable payment method information D3, the payment integrated management host 2 will then determine that the usable payment method information D3 is consistent with the best payment method. Whether the method information at least partially matches. When the judgment is yes, step S05 is executed; when the judgment is no, step S07 is executed. Continuing the above example (the applicable payment method information is credit card and mobile payment, and the usable payment method information D3 is a credit card), when the best payment method information is a credit card, step S05 is executed; when the best payment method information is When paying for an action, step S07 is executed.
步驟S05是當該繳費整合管理主機2判斷出該可使用繳費方式資訊D3與該最佳繳費方式資訊至少一部分相符，該繳費整合管理主機2產生一包括該最佳繳費方式資訊的推薦繳費方式訊息並傳送該推薦繳費方式訊息至該使用者端電子裝置1，流程結束。延續前述之例子(該適用繳費方式資訊為信用卡及行動支付，該可使用繳費方式資訊D3為信用卡，該最佳繳費方式資訊為信用卡)，此時該繳費整合管理主機2會產生指示出該最佳繳費方式資訊為信用卡的該推薦繳費方式訊息，並傳送該推薦繳費方式訊息至該使用者端電子裝置1。藉此，該使用者能輕鬆得知被選取的該帳單資料D1所包括的該繳費項目的該最佳繳費方式資訊，讓使用者無需事先耗費時間計算所有可使用的繳費方式中何者為最佳的繳費方式，從而提升了使用者在繳費時的便利性。Step S05 is when the payment integrated management host 2 determines that the usable payment method information D3 is at least partially consistent with the best payment method information, the payment integrated management host 2 generates a recommended payment method message including the best payment method information. And the recommended payment method message is sent to the user electronic device 1, and the process ends. Continuing the above example (the applicable payment method information is credit card and mobile payment, the usable payment method information D3 is a credit card, and the best payment method information is a credit card), at this time, the payment integrated management host 2 will generate an instruction indicating the best payment method. The best payment method information is the recommended payment method information of the credit card, and the recommended payment method information is sent to the user electronic device 1. In this way, the user can easily learn the best payment method information for the payment item included in the selected billing data D1, so that the user does not need to spend time in advance to calculate which is the best payment method among all available payment methods. The best payment method, thereby improving the convenience of users when paying.
在接續於步驟S03的步驟 S06中，該繳費整合管理主機2產生一無適用繳費方式訊息並傳送該無適用繳費方式訊息至使用者端電子裝置1，流程結束。延續前述之例子(該適用繳費方式資訊為信用卡及行動支付，該可使用繳費方式資訊D3為存款帳戶)，即為對應於該使用者的該可使用繳費方式資訊D3皆無法對被選取的該帳單資料D1所包括的該繳費項目進行繳納。In step S06 following step S03, the payment integrated management host 2 generates a no applicable payment method message and sends the no applicable payment method message to the user electronic device 1, and the process ends. Continuing the above example (the applicable payment method information is credit card and mobile payment, and the usable payment method information D3 is a deposit account), that is, the usable payment method information D3 corresponding to the user cannot apply to the selected one. Pay the payment item included in billing information D1.
在接續於步驟S04的步驟S07中，當該繳費整合管理主機2判斷出該可使用繳費方式資訊D3與該最佳繳費方式資訊不相符，該繳費整合管理主機2產生一包括該可使用繳費方式資訊D3的推薦繳費方式訊息及一包括該最佳繳費方式資訊的建議繳費方式訊息，並傳送該推薦繳費方式訊息及該建議繳費方式訊息至該使用者端電子裝置1，流程結束。延續前述的例子(該適用繳費方式資訊為信用卡及行動支付，該可使用繳費方式資訊D3為信用卡，該最佳繳費方式資訊為行動支付)，此時該繳費整合管理主機2產生指示出該可使用繳費方式資訊D3為信用卡的該推薦繳費方式訊息及指示出該最佳繳費方式資訊為行動支付的該建議繳費方式訊息，並傳送該推薦繳費方式訊息及該建議繳費方式訊息至該使用者端電子裝置1。藉此，於該可使用繳費方式資訊D3與該最佳繳費方式資訊不相符時，該繳費整合管理主機2除了提供該使用者本次繳費之推薦的繳費方式以外，還會提供該使用者下次繳納該帳單資料D1所包括的該繳費項目時可使用的最佳的繳費方式。In step S07 following step S04, when the payment integrated management host 2 determines that the usable payment method information D3 does not match the best payment method information, the payment integrated management host 2 generates a message including the usable payment method. The recommended payment method message of information D3 and a recommended payment method message including the best payment method information are sent to the user electronic device 1, and the process ends. Continuing the above example (the applicable payment method information is credit card and mobile payment, the usable payment method information D3 is a credit card, and the best payment method information is mobile payment), at this time, the payment integrated management host 2 generates an instruction indicating that the available payment method information is credit card and mobile payment. Use the payment method information D3 to be the recommended payment method message of the credit card and the recommended payment method message indicating that the best payment method information is mobile payment, and send the recommended payment method message and the recommended payment method message to the user terminal Electronic device 1. Thus, when the usable payment method information D3 does not match the best payment method information, the payment integrated management host 2 will not only provide the user with the recommended payment method for this payment, but also provide the user with the next payment method. The best payment method that can be used when paying the payment item included in the bill information D1.
除此之外，在本實施例中，該繳費整合管理主機2還儲存有一對應於該使用者的收支資料，且該繳費整合管理主機2還根據該等帳單資料D1及該收支資料產生一理財建議結果，該理財建議結果可例如為投資規畫建議、現金流管理建議。此外，當該等帳單資料D1其中一者包括一繳費週期，該繳費整合管理主機2還根據該帳單資料D1所包括的該繳費項目及該繳費週期產生一商品推薦結果，例如當該使用者會規律地有特定項目的醫療費用支出，該商品推薦結果可為醫療險推薦等。更進一步地，當該等帳單資料D1其中一者包括一家庭成員資訊，該繳費整合管理主機2還根據包括該家庭成員資訊的該帳單資料D1產生一家庭帳務分析資料。舉例來說，該使用者為與父母同住，且有設定替父母繳納電信費並繳納住處的水費與電費，該繳費整合管理主機2即會據此產生該家庭帳務分析資料，該家庭帳務分析資料可例如包括替父母繳納電信費、住處之水費及電費的支出比例等財務分析相關資訊。In addition, in this embodiment, the payment integrated management host 2 also stores an income and expenditure data corresponding to the user, and the payment integrated management host 2 also based on the billing data D1 and the income and expenditure data A financial management advice result is generated, which may be, for example, investment planning advice or cash flow management advice. In addition, when one of the billing data D1 includes a payment cycle, the payment integrated management host 2 also generates a product recommendation result based on the payment item and the payment cycle included in the billing data D1, for example, when the user Users will regularly have medical expenses for specific items, and the product recommendation results can be medical insurance recommendations, etc. Furthermore, when one of the billing data D1 includes a family member information, the payment integrated management host 2 also generates a family account analysis data based on the billing data D1 including the family member information. For example, if the user lives with his parents and has set up to pay telecommunication bills and water and electricity bills for his parents, the payment integrated management host 2 will generate the household account analysis data accordingly. The accounting analysis data may include, for example, financial analysis-related information such as the proportion of expenses for paying telecommunications bills for parents, water bills for residence, and electricity bills.
綜上所述，本新型繳費整合管理系統100藉由該使用者端電子裝置1於該使用者介面之同一列表顯示該等帳單資料D1，並供該使用者操作選取該等帳單資料D1其中至少一者，讓該使用者能對於該等帳單資料D1一目了然，並可一次選取多筆帳單資料D1繳納，從而能將該等帳單資料D1整合，不必逐筆繳納，使整體繳費流程簡便化，再者，藉由該繳費整合管理主機2根據被選取的該帳單資料D1所包括的該繳費項目選出該適用繳費方式資訊及該最佳繳費方式資訊後再根據該適用繳費方式資訊、該最佳繳費方式資訊及該可使用繳費方式資訊D3同時產生該推薦繳費方式訊息及該建議繳費方式訊息或僅產生該推薦繳費方式訊息，並將所產生的訊息傳送至該使用者端電子裝置1，能讓該使用者輕鬆得知被選取的該帳單資料D1所包括的該繳費項目的該最佳繳費方式資訊，從而提升了使用者在繳費時的便利性，故確實能達成本新型的目的。To sum up, the new payment integrated management system 100 displays the billing data D1 in the same list of the user interface through the user-side electronic device 1, and allows the user to select the billing data D1. At least one of them allows the user to understand the billing information D1 at a glance and select multiple pieces of billing information D1 to pay at one time, thereby integrating the billing information D1 without having to pay one by one, so as to make the overall payment The process is simplified. Furthermore, the payment integrated management host 2 selects the applicable payment method information and the best payment method information according to the payment item included in the selected bill data D1, and then selects the applicable payment method information according to the applicable payment method. information, the best payment method information and the usable payment method information D3 simultaneously generates the recommended payment method information and the recommended payment method information or only generates the recommended payment method information, and sends the generated information to the user terminal The electronic device 1 allows the user to easily learn the best payment method information for the payment item included in the selected billing data D1, thereby improving the user's convenience when paying, so it can indeed achieve purpose of this new type.
惟以上所述者，僅為本新型的實施例而已，當不能以此限定本新型實施的範圍，凡是依本新型申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾，皆仍屬本新型專利涵蓋的範圍內。However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.
100:繳費整合管理系統 1:使用者端電子裝置 2:繳費整合管理主機 D1:帳單資料 D2:繳費方式資訊 D3:可使用繳費方式資訊 200:繳費事業單位主機 S01~S07:步驟 100: Payment integrated management system 1: User electronic device 2: Payment integrated management host D1: Billing information D2: Payment method information D3: Available payment method information 200: Payment institution host S01~S07: Steps
本新型的其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中： 圖1是本新型繳費整合管理系統的一個實施例的一硬體連接關係示意圖；及 圖2是該實施例的一流程圖。 Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a schematic diagram of a hardware connection relationship of an embodiment of the new integrated payment management system; and Figure 2 is a flow chart of this embodiment.
100:繳費整合管理系統 100: Payment integrated management system
1:使用者端電子裝置 1: User electronic device
2:繳費整合管理主機 2: Payment integrated management host
D1:帳單資料 D1: Billing information
D2:繳費方式資訊 D2: Payment method information
D3:可使用繳費方式資訊 D3: Available payment method information
200:繳費事業單位主機 200: Payment institution host
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| TW112209047U TWM649046U (en) | 2023-08-24 | 2023-08-24 | Payment integration management system |
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| Application Number | Priority Date | Filing Date | Title |
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| TW112209047U TWM649046U (en) | 2023-08-24 | 2023-08-24 | Payment integration management system |
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| Publication Number | Publication Date |
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| TWM649046U true TWM649046U (en) | 2023-12-01 |
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