CN1141454A - 帐单呈递和支付协调一体的方法和系统 - Google Patents

帐单呈递和支付协调一体的方法和系统 Download PDF

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CN1141454A
CN1141454A CN96105879A CN96105879A CN1141454A CN 1141454 A CN1141454 A CN 1141454A CN 96105879 A CN96105879 A CN 96105879A CN 96105879 A CN96105879 A CN 96105879A CN 1141454 A CN1141454 A CN 1141454A
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bill
client
payment
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service method
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格雷戈里·M·贝德纳瑞
汤姆斯·E·卡瑞
詹姆斯·W·多纳林
小罗伯特·F·亨德里克斯
理查德·J·库克伦特
威廉·A·于里克
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International Business Machines Corp
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0641—Shopping interfaces
    • G06Q30/0643—Graphical representation of items or shoppers
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus

Abstract

一种电子帐单呈递和支付协调一体的系统和方法。该服务可将从若干服务提供者处收到的帐单按客户分类，然而将致某一客户的帐单呈递给该客户，随后接收和处理支付该帐单的指令并且整理所呈递的帐单。

Description

帐单呈递和支付协调一体的方法和系统
本发明涉及一种帐单电子支付方法和系统，尤其包括一种服务，即：可将多个服务提供者提交的帐单(按客户)分类，并向客户呈递其应支付的帐单，然后接受和处理该帐单的支付命令，按相应的帐单协调付款。
以邮寄方式接收帐单的电子支付系统已为公众所知。这些系统通常生成一个汇总支票，并向帐单发单者提交一个应付帐目清单，但这种系统缺乏作为帐单的组成部分邮寄过来的汇款文件的细节部分，需要多次键入帐号码，而每这样反复一次既耗时又可能出错。
为人所知的商业帐单使用的另一支付系统是金融电子数据交换，或缩写为FEDI。FEDI系统通常涉及在单个商户和单个客户间自动付帐的系统。FEDI需要复杂的数据处理软件系统，因为帐单要自动支付，只有在例外的情况下才需要人工干预。然而，消费者和小型商业机构更愿意参与其金融交易部分，成为“其命运的主人”，参与其帐单的支付。因而FEDI系统作为消费者和小型商业机构的帐单支付系统就不太适用。
因此，现有的系统存在明显的局限性和弊端。
本发明通过提供一种帐单呈递和支付协调一体的系统克服了现有系统存在的局限性和弊端，本发明系统特别适用于消费者和小型商业机构。本发明的系统涉及一种支付服务，可以从众多帐单发单者为多个客户接收大量的应付帐单，按客户将帐单分类，并根据客户使用的支付系统将帐单呈递给客户，然后接受客户有关支付这一帐单的指令，向客户所涉及的银行发出付帐指令，并向帐单发单者提交付帐记录。
该系统的优点在于客户除节省时间和金钱之外，可以了解并控制其帐单的支付，使客户能够规划付帐，如愿意的话，还可以分期付款。
本发明的系统使帐单发单者可以接受整合数据，从而使支付过程不间断运作。这样做的明显优势是可以避免与原始帐单上的金额和数据发生关系而产生的错误。
本发明具有的显著优点还在于帐单模板可以储存，必要时可以调出，客户不必访问每一份帐单，从而节省通讯费用。这样可使消费者得到格式化帐单，类似于如今帐单发单者可以通过邮寄传递的纸帐单。
熟练的技术人员通过下面所述的最佳实施方式，并参照所附权利要求书和附图便可清楚地了解本发明所具有的上述及其它的优点和本发明的目的。
图1是在本发明之前常用的帐单支付系统的图解；
图2是本发明帐单呈递和支付系统的图解；
图3是本发明电子帐单呈递和支付系统的流程图；
图4是使用电子帐单呈递和支付系统的帐单支付者所见的第一屏幕显示，清楚表明已读和未读的帐单；
图5是帐单支付者所见的第二屏幕显示，帐单支付者读帐单，然而付帐；
图6是使用本发明系统的帐单支付者所见的第三屏幕显示，在发送前将已付帐单集中显示；
图7是帐单发单者建立和传送帐单过程的流程图；
图8是建立和储存帐单模板过程的流程图；
图1是本发明之前常用的帐单支付系统的图解，其中包括帐单发单者101、帐单支付者102和其银行103，帐单发单者的银行为104。
帐单发单者101按图中所示用信封110以邮寄方式通过所示的邮箱111将一份帐单传递给帐单支付者102。帐单支付者102签了一张支票112，将其装入信封113，以邮寄方式通过所示的邮箱114寄给帐单发单者101。然后帐单发单者101通过专递车115将帐单支付者开出的支票送到帐单发单者的银行104。该银行104使用专递车116将支票送到帐单支付者的银行103，然后帐单支付者的银行如线117所示将支票返回给帐单支付者，完成这一循环。专递车和邮寄显然是成本潜在增加时间延误及可能造成损失的根源。
图2中仍保留图1所用的帐单发单者101，帐单支付者或消费者102，帐单支付者银行103和帐单发单者银行104。在图2的系统中还附加了电子帐单呈递器200，该电子帐单呈递器200插入系统中，从而实现我们所描述的电子呈递和支付。帐单发单者101建立要消费者支付帐单所必需的信息然后向电子帐单呈递器200发送一电子信息201。电子帐单呈递器200将从各帐单发单者(越多越好)收到的帐单进行分类，将某一选定的客户的帐单以电子帐单呈递方式202的形式呈递给帐单支付者102。帐单支付者102通过向电子帐单呈递器200返回一信息或支付授权来标明其愿意支付的帐单及支付的金额。然后支付授权203按银行分类，并在线204上对与单个消费者或帐单支付者102相关的银行传递信息。帐单支付者的银行103随即向帐单发单者银行104发送一信息，正如线205所示证明已付款。帐单发单者银行如206线所示向帐单发单者发送一信息或付款通知，详尽列出付款金额及所涉及的客户。与此同时，电子帐单呈递器200已经向帐单发单者发送表明整合支付的信息207，以与从帐单发单者银行104所接收到的付款通知信息206进行比较。
图3是支付帐单过程的流程图。在方框301中支付者与系统相连，在方框302中支付者请求呈递帐单。在方框303中系统从帐单数据库304中将支付者的帐单数据调出来。在方框305中将模板数据从模板数据库306中调出。在方框307中帐单数据和模板数据合成以生成帐单，帐单被传送给支付者，在其装置上显示出来。
当然，有很多种不同的装置可以被用来显示支付情况。可以用个人电脑、视频电话、互联电视、电话、个人数据助理(PDA)或自动取款机(ATM)，其中一些终端，如个人电脑具有本地存储，而其它一些终端，如电话不具备本地存储。终端具有本地存储的情况下，在收到某一特定帐单发单者发出的第一例帐单时，系统便可将模板信息发送给具有本地存储终端(如个人电脑)的帐单发单者供类似帐单为今后之用。在用户终端不具备本地存储的情况下，每产生一次就必须传送显示整个帐单。因此对这种用户终端的每一个帐单都要用模板数据加上不同的帐单数据进行生成。
在方框309中，帐单呈递被记录在帐单数据库304中，当在方框310中帐单支付者发出支付指令时，在方框311中，记录付款以及给帐单发单人的信息；并对帐单数据库304进行数据更新。在方框312中，给付款加上相应的信息。
图4显示一个客户或帐单支付者(图1和2中的102)在支付其帐单时将看到的屏幕401上的一个例子。屏幕401分成区域402、区域403和区域404，区域402显示新的或未读的帐单，区域403显示旧的或已经被读的帐单，区域404显示操作图标。区域402中包括邮箱411和帐单显示412，413，414…每个都含有“来自”线，以显示帐单发单者的姓名(如帐单显示412为DukePower)。已读区域403包括一文件夹图标421和帐单显示422，423，424，…。已读帐单即那些早已接收到并已浏览，但尚未支付的帐单(比如，一个已收到的帐单，但尚未到付款其或对其客户有理由拒付)。具有操作图标的区域404有时被称为带健工具条，其中图标431表示支付帐单，图标432表示移向下一个帐单，图标433表示确认付帐单所用的银行帐号，图标434表示录入收款人(帐单发单者)，图标435表示汇总未付帐单。图标436、437、438、439、440和441则分别显示已付帐单历史记录、生成帐单和支付报告、打开邮箱窗口、打开帐单文件窗口、付款附备注和传送支付命令。屏幕操作图标上的选择功能健442则可用来选择预置功能，比如自动打开(当上一帐单已付时自动打开和显示下一帐单)半自动付款(当选择了一个帐单时，自动显示支付支票)和全自动付款(不显示帐单或支票而自动支付确有未付帐单)。帐单可以是彩色的或编码的，如愿意的话，可以用绿色显示将支付的帐单，用黄色显示已读但尚不准备支付的帐单，用红色显示未读(新到)的帐单。如图形用户接口所常用的那样，每个图标都有一个与其功能相关的标志，及其定义词，可以通过移动计算机光标将图标激活，然后用计算机鼠标连击进行选择。
图5显示的是客户或帐单支付者用来支付帐单的屏幕501。左边显示了未付帐单区域402的一部分，上面有从Visi on Cable选出的帐单，帐单在右手区域502中显示出来。一旦客户选择支付该帐单，支票显示503出现在屏幕上，暗示要发送一笔付款的信息。如果窗户对屏幕显示内容无异议(在此例中是从其在第一国民银行支票帐户20421-144412-01-6户头上提出24.44美元支付给Vision Cable，他便敲击OK图标504。
图6在区域601内显示未付帐单汇总表及应支付的金额。如果客户愿意授权支付所有应付帐单，他可以通过敲击发送图标441(在图4中)来表示其意愿。
图7是帐单发单者生成帐单过程的流程图。在方框703中，帐单数据从帐单发单者的帐户可接收数据库701中提取出来，在方框705中帐单数据被传输到电子帐单呈递器，被用来更新前述帐单数据库304。
图8是建立和储存帐单模板的过程。在方框801中，帐单发单者为其帐单建立模板。在方框803中，这些模板被传送到电子帐单呈递器803，储存在模板数据库306中。
当然，熟练的技术人员显然可以对此最佳实施方式进行很多修正和改进。此外，熟练技术人员也将意识到他们可以采用本发明的某些部分而不用其他的一些部分而仍对其有利。比如象上面探讨的那样，客户所用设备类型不同，呈递的帐单类型也可以根据客户所用的设备而相异。帐单的安排及记录格式可以随意愿而改变，此外也可与现有的金融软件包，如电子支票薄、税收或审计系统相兼容。
相应而言，上面描述的最佳实施方式只应看做对本发明的说明，而不应仅仅局限于此。本发明主要通过所附权利要求书限定其范围。

Claims (5)

1.一种通过向客户呈递帐单并由客户资金所在银行付帐来提供帐单支付服务的方法，其特征在于包括以下步骤：
从至少一个帐单发单者为众多客户接收若干帐单；
按客户将帐单分类；
根据客户所采用的支付服务将致某一客户的帐单呈递给该客户；
从正在支付帐单的客户接收指令；
向客户的银行发出付帐指令；并且
提供客户付帐记录；
2.根据权利要求1所述步骤提供帐单支付服务的方法，其特征在于为客户呈递帐单的步骤包括对帐单的各种信息和通用帐单模板进行组合的计算机程序；
3.根据权利要求2所述步骤提供帐单支付服务的方法，其特征在于组成各种信息的步骤包括检索本地储存在客户系统中的模板信息；
4.根据权利要求1所述步骤提供帐单支付服务的方法，其特征在于呈递步骤包括图形用户界面以显示致客户的帐单；
5.根据权利要求1所述步骤提供帐单支付服务的方法，其特征在于提供付帐记录的步骤包括提供给帐单发单者含有呈递帐单细节的电子信息的步骤。
CN96105879A 1995-06-02 1996-05-10 帐单呈递和支付协调一体的方法和系统 Pending CN1141454A (zh)

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US08/458,931 US5832460A (en) 1995-06-02 1995-06-02 Method and system for bill presentation and payment reconciliation

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