KR20010056244A - System and method for electronic bill presentment and payment using gateway server - Google Patents

Abstract

1. TECHNICAL FIELD OF THE INVENTION

The present invention relates to an electronic bill issuance / payment system using a relay server, and a method thereof and a computer-readable recording medium having recorded thereon a program for realizing the method.

2. The technical problem to be solved by the invention

The present invention, by electronically issued various bills and bills issued through a communication network such as the Internet, and paying with a bank account or credit card, the inconvenience of visiting the bank to pay the incidental costs and bills due to mail delivery, etc. To provide an electronic bill issuance / payment system for eliminating the box, and a method thereof, and a computer-readable recording medium having recorded thereon a program for realizing the method.

3. Summary of Solution to Invention

The present invention relates to a method for issuing and paying an electronic bill in an electronic bill issuing / payment system, wherein the bill is collected according to a request of the bill issuing company, and the collected bill is electronically documented and managed for each bill issuing company and user. step; A second step of periodically notifying the user that there is an electronic bill to be paid; A third step of outputting the user-specific electronic bill to the user according to the request of the electronically authenticated user; And a fourth step of paying for the electronic bill in a predetermined manner according to a payment request of the corresponding user.

4. Important uses of the invention

The present invention is used for electronic bill issuance and payment services.

Description

Electronic bill issuance / payment system using relay server and method thereof {System and method for electronic bill presentment and payment using gateway server}

The present invention electronically issues various utility bills and issues them through a communication network such as the Internet, and reads the electronic bill issuance / payment system and method for paying with a bank account or credit card, and a computer for recording the program for realizing the method. The present invention relates to a recording medium which can be used.

Currently, the bill is printed on paper directly from the company and delivered to the customer by mail, and the customer pays the bill by visiting the bank.

Customers receive over 10 bills on a monthly basis and pay for them. At this time, the receipt or loss of the bill may occur, and the customer should visit the bank directly to pay the bill.

As described above, in the past, the bill is printed on paper and delivered to the customer by mail, and the customer who receives the bill directly visits the bank and pays the bill. There was a problem of unnecessary expenses.

The present invention devised to solve the problems as described above, the various bills and bills are electronically issued through a communication network such as the Internet, such as to pay the bill with a bank account or credit card, bills and other bills due to mail delivery, etc. The purpose of the present invention is to provide an electronic bill issuance / payment system for eliminating inconveniences such as visiting a bank to pay a credit card, and a method thereof, and a computer-readable recording medium recording a program for realizing the method. .

1 is a block diagram of an embodiment of an electronic bill issuing / settlement system according to the present invention.

Figure 2 is a detailed configuration diagram of an embodiment of the integrated electronic bill issuing system within the electronic bill issuing / settlement system according to the present invention.

3 is a data structure diagram of transmission data between an electronic bill integration system and a corporate host used in the present invention.

Figure 4 is a flow diagram of an embodiment of a method for issuing / paying an electronic bill according to the present invention.

* Explanation of symbols for the main parts of the drawings

11: electronic bill integrated issuance system 12: electronic bill payment relay server

13: electronic bill authentication system 14: bank host

15 credit card company host 16 to 18 corporate host

19: electronic wallet

In order to achieve the above object, the present invention provides an electronic payment system for an Internet e-commerce service, comprising: a bill generation and requesting means for generating an original bill to be paid by a user and requesting issuance of the bill; Certificate issuing and managing means for issuing and managing an electronic certificate to a user so that a secure transaction is made; Electronic bill processing means for processing all actions related to payment in order to safely and conveniently provide payment processing of a user when issuing / paying electronic bills, and maintaining details and payment details of the electronic bills; According to the request of the bill generation and requesting means, the original bill is electronically managed for each user, and the electronic bill is issued to the electronic bill processing means according to the request of an electronically authenticated user and the user pays the bill from the electronic bill processing means. Electronic bill issuing and managing means for forwarding the request to the electronic bill payment means; And according to the user billing request for the electronic bill delivered from the electronic bill issuing and management means, characterized in that it comprises the electronic bill payment means for paying the bill of the electronic bill in a predetermined manner.

In order to achieve the above object, the present invention provides a method for issuing and paying an electronic bill in an electronic bill issuing / payment system, wherein the bill is collected according to the request of the bill issuing company, and the collected bill is electronically documented by the bill issuing company. A first step of managing for each user; A second step of periodically notifying the user that there is an electronic bill to be paid; A third step of outputting the user-specific electronic bill to the user according to the request of the electronically authenticated user; And according to the payment request of the user, characterized in that it comprises a fourth step of paying the bill of the electronic bill in a predetermined manner.

The present invention for achieving the above object is, the electronic bill issuing / settlement system equipped with a processor, the function of collecting the bills according to the request of the bill issuing publisher, the collected bills and electronic document management function for each bill issuance issuer; Periodically notifying a user that there is an electronic bill to pay; Outputting a user-specific electronic bill to the user according to the request of the electronically authenticated user; And a computer-readable recording medium having recorded thereon a program for realizing a function of making a payment for the electronic bill in a predetermined manner in response to a user's payment request.

In the present invention, various bills and bills that are received by mail on a regular basis every month in daily life are paid electronically and issued through the Internet, and immediately pay the bills by credit card or bank account bills and bills for sending mail. To reduce the inconvenience and the expense of visiting a bank to pay the bill.

To this end, the present invention is to electronically publish various bills and bills delivered by mail and notify the payer. At this time, the payer can search the contents and check the contents to pay the credit card or bank account.

In addition, since there are more than hundreds of bill forms issued by each company, the electronic bill issuing system issues these bills integrally and selects a desired financial institution such as a bank and a credit card company through the settlement relay server to settle the payment. It also ensures secure transactions with the authentication system.

In addition, the customer can use the electronic wallet to keep and manage the details of the electronic bill and payment status.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an embodiment configuration of an electronic bill issuing / settlement system according to the present invention, "11" is an electronic bill integrated issuance system, "12" is an electronic bill payment relay server, "13" is an electronic bill authentication The system, "14" represents a bank host, "15" represents a credit card company host, "16-18" represents a corporate host, and "19" represents an electronic wallet.

As shown in Figure 1, the electronic bill issuing / settlement system according to the present invention, in the payment of bills generated in the Internet e-commerce and real life, generates an original bill to be paid by the user, and requests the issuance of the bill Provides secure and convenient payment processing of the user in the electronic bill issuance system 13 and the electronic bill issuance / payment system for issuing and managing the electronic certificate to the user so that secure transactions can be made with the corporate hosts 16 to 18. In order to process all actions related to payment, the electronic wallet (19) that stores and manages the details and payment details of the electronic bill and the original bill is electronically managed according to the requirements of the corporate hosts (16 to 18). The electronic bill is issued to the electronic wallet 19 and used from the electronic wallet 19 according to the request of the electronic user. In accordance with the user's payment request of the electronic bill integrated issuing system 11 and the electronic wallet 19 delivered from the electronic bill integrated issuing system 11, the bank host is transferred to the electronic bill settlement relay server 12. Or an electronic bill payment relay server 12 for connecting the credit card company host 15 to pay for the electronic bill.

The electronic bill authentication system 13 is a system for issuing an electronic certificate for verifying its identity on the Internet.

The bank host 14 and the credit card company host 15 receive the bill payment request details from the electronic bill payment relay server 12 to process the payment.

The corporate host 16 to 18 refer to a host of all institutions including a company or a public institution that generates an original bill, and sends the bill details to the integrated bill issuing system 11 and issues a bill. Here, the electronic bill includes a credit card statement, apartment management fee, telecommunication fee, department store card statement, property tax bill, car tax bill, various local tax bills and the like.

The customer accesses the electronic bill integrated issuance system 11 through the Internet to read his bill and pay.

Hereinafter, the function of the electronic bill integrated issuing system 11, the function of the electronic bill payment relay server 12, the function of the electronic bill authentication system 13, the function of the electronic wallet (19), the electronic bill issuing and payment interworking procedures, customers The content according to the present invention, such as the use of the procedure will be described in more detail.

As shown in FIG. 2, the integrated electronic bill issuing system 11 has a function of notifying and notifying the bill and collecting and managing the bill. The original bill is collected according to the requirements of the corporate hosts 16 to 18. The bill collection management unit 113, a database 114 for electronically managing the original bill collected by the bill collection management unit 113, and the database 114 according to the request of the electronically authenticated user to examine the corresponding Notification and history retrieval unit 112 for issuing the customer-specific electronic bill to the customer through the web server 111, the billing request from the customer through the web server 111 payment relay server 12 To pass).

The electronic bill issuing system 11 collectively collects details of issuance of electronic bills from each company. At this time, the data structure as shown in FIG. 3 should be defined in advance between the electronic bill integrated issuance system 11 and each of the enterprise hosts 16 to 18.

The content of the notice may vary from company to company. However, the electronic bill integrated issuance system 11 can freely configure the data structure desired by the bill issuer, so that the bill form can be completely independently accommodated by each company.

Therefore, when the corporate hosts 16 to 18 periodically transmit the bill data according to the data format, the electronic bill integrated issuance system 11 organizes and stores these data in the database 114, where each company host 16 to 18 The bills generated in 18) should be organized and stored for each customer.

On the other hand, the electronic bill integrated issuance system 11 notifies the customer that the electronic bill has arrived by e-mail or telephone. Afterwards, when the customer requests all bills issued to him, the details are output to the customer. At this time, the customer should present the certificate issued from the electronic bill authentication system (13).

In this way, the bills to be issued by each company are integrated in the electronic bill integrated issuance system 11, and all the bills corresponding to the customer are collectively delivered to the customer. As a result, an integrated issuance / payment system can be implemented by issuing and paying electronic bills to customers on behalf of the company, that is, by relaying a server.

Now, the electronic bill payment relay server 12 will be described in more detail.

When the customer checks all the bills issued to him in a batch, enters information about the financial institution for payment and requests payment, the electronic bill payment relay server 12 requests payment of the funds through the payment institution entered by the customer. . At this time, if the payment is successful, the result is notified to the customer.

To this end, the electronic bill payment relay server 12 transmits and receives a payment message and decrypts the message according to a communication and security protocol already established through a public network with a bank and a credit card company.

As such, the electronic bill payment relay server 12 performs a payment relay role on behalf of a plurality of banks and credit card companies.

Security is weak in open communication networks such as the Internet, so security must be secured especially for financial services. To this end, the electronic bill authentication system 13 issues and manages electronic certificates to customers. That is, by issuing an electronic certificate to the customer, when the customer retrieves his bill details and pays to receive the customer's electronic certificate to ensure that the customer party to ensure security.

In order to secure a transaction, the data is transmitted between the electronic bill integrated issuance system 11 and the customer's PC, and the electronic wallet 19 stores and manages the customer's electronic bill details and payment details.

Now, e-bill issuing and payment interworking procedures will be described in more detail with reference to FIG. 4.

4 is a flowchart illustrating an example of a method for issuing / paying an electronic bill according to the present invention.

As shown in Figure 4, the electronic bill issuance / payment method according to the present invention, the customer first receives the electronic certificate from the electronic bill authentication system 13 is issued (401, 402).

Thereafter, the electronic bill integrated issuing system 11 periodically receives bill data from the corporate hosts 16 to 18 (403 and 404). At this time, the electronic bill integrated issuance system 11 periodically notifies the customer that the bill is sent via e-mail (405).

Next, when the customer requests to retrieve his bill (406), the electronic bill integration issuance system 11 requests the customer to present the certificate (407) and accordingly the customer presents the certificate (408) to verify the electronic bill It is determined via the system 13 whether it is a valid certificate.

As a result of the determination, if the certificate is valid, the entire bill issued so far is output to the customer (409). Thereafter, when the customer selects a bill to pay and requests a payment (410), the electronic bill payment relay server 12 receives the payment details and requests a final payment to a bank or a credit card company (411, 412). At this time, the bank or credit card company settles the payment according to the customer's payment request (413).

Finally, the electronic bill payment relay server 12 delivers the payment processing result from the bank or credit card company to the customer (414 to 416).

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains, and the above-described embodiments and accompanying It is not limited to the drawing.

The present invention as described above, by using the electronic bill issuing / settlement system using a relay server can reduce the cost than issuing the bill by mail to collect the bill, and prevent the loss accident in the bill delivery process In addition, it allows customers to understand the bills issued to them collectively, and allows users to pay their bills by credit card or bank account without visiting the bank. It can work.

Claims (4)

In the electronic payment system in the Internet e-commerce service, A bill generation and requesting means for generating an original bill to be paid by a user and requesting issuance of the bill; Certificate issuing and managing means for issuing and managing an electronic certificate to a user so that a secure transaction is made; Electronic bill processing means for processing all actions related to payment in order to safely and conveniently provide payment processing of a user when issuing / paying electronic bills, and maintaining details and payment details of the electronic bills; According to the request of the bill generation and requesting means, the original bill is electronically managed for each user, and the electronic bill is issued to the electronic bill processing means according to the request of an electronically authenticated user and the user pays the bill from the electronic bill processing means. Electronic bill issuing and managing means for forwarding the request to the electronic bill payment means; And The electronic bill payment means for paying for the electronic bill in a predetermined manner in response to a user payment request for the electronic bill transmitted from the electronic bill issuing and managing means. Electronic bill issuance / payment system using a relay server made, including. The method of claim 1, The electronic bill issuance and management means, Bill collection means for collecting the bill originals at the request of the bill generation and requesting means; Management means for electronically managing the original bills collected by the bill collection means and managing the user; And Invoice history retrieval and notification means for inspecting the management means according to the request of an electronically authenticated user and issuing the electronic bill for each customer to the electronic bill processing means through a web server Including, but the electronic bill issuance / payment system using a relay server, characterized in that for transmitting the user billing request from the electronic bill processing means to the electronic bill payment means through the web server. In the method of issuing and paying an electronic bill in an electronic bill issuing / payment system, A first step of collecting bills according to the request of the bill issuer and managing the bills by the bill issuing office and the user by electronically collecting the collected bills; A second step of periodically notifying the user that there is an electronic bill to be paid; A third step of outputting the user-specific electronic bill to the user according to the request of the electronically authenticated user; And A fourth step of paying for the electronic bill in a predetermined manner according to the user's request for payment Electronic bill issuance / payment method using a relay server made, including In the electronic bill issuance / payment system equipped with a processor, Collect bills according to the request of the bill issuer, manage the bills by the issuer and user by electronically collecting the collected bills; Periodically notifying a user that there is an electronic bill to pay; Outputting a user-specific electronic bill to the user according to the request of the electronically authenticated user; And In accordance with the payment request of the user, a function of paying the bill in a predetermined manner A computer-readable recording medium having recorded thereon a program for realizing this.