CN1322324A - 电子开发票及付费系统 - Google Patents

电子开发票及付费系统 Download PDF

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CN1322324A
CN1322324A CN98810986A CN98810986A CN1322324A CN 1322324 A CN1322324 A CN 1322324A CN 98810986 A CN98810986 A CN 98810986A CN 98810986 A CN98810986 A CN 98810986A CN 1322324 A CN1322324 A CN 1322324A
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R·艾伦·尼利
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BCE Mo Mo Keith technology Co.
Credit Forest 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

一种用于自动电子开发票及付费系统的系统,用于使远程用户对来自开发票方的自动票据进行观察。该系统包括具有控制系统及第一通信电子部分(101)的发票显示电子部分。该系统还包括至少一个具有用户接口的远程委托终端,该终端具有第二通信电子部分(110),用于可操作地与第一通信电子部分(101)通信。发票显示电子部分的控制系统用于将关于对自动票据预委托的用户发票的票据数据提供给第一通信电子部分(101),以便发送到第二通信电子部分(110)。远程委托终端的用户接口用于将票据数据显示给用户并接收来自用户的关于票据数据的回答,该回答指示接受票据数据或对其进行修改。

Description

电子开发票及付费系统
                     本发明背景
(1)本发明领域
本发明总地涉及自动票据系统，更具体地，涉及对用户显示电子发票以便远程观察及付费的自动付费系统。
(2)现有技术的描述
开发票及付款的收集一直是一种非常紧张的劳动和耗费纸张的处理。典型地，该处理涉及一个开发票方，通常是商家，他准备好列出所提供的货物和服务及其费用的发票。该发票被寄给用户，用户将检验发票的正确性并将某种类型的付费券及纸支票返回给开发票方。该开发票方将纸支票交付其银行，用以通过譬如自动票据交换所(AutomatedClearing House，ACH)网络付费。其他类似的付费系统包括写信用卡号码、签名及预委托在每月基础上提款直到预定款限，如从支票帐户按期交付实用票据。
已经作出尝试，通过使用第三方服务提供者来使该处理自动化，该服务提供者用于在开发票方与有关银行之间接收及发送涉及应由用户付费的电子信息。虽然，这些系统看来使该处理一体化，但事实上，它们对于该处理增加了大量复杂性及不少的费用。这种电子系统被描述在授予Kight等人的专利US5383113，授予Anderson等人的专利US5283829，授予Lawlor等人的专利US5220501，授予Hilt等人的专利US5465206中，它们的公开内容全部结合于此作为参考。
但是，纸系统需要将发票呈交给用户，此外，在从用户银行向开发票方银行付费前需要用户将纸支票提交给开发票方银行或直接提交给开发票方，或间接地提交到保险箱中。
另外，电子系统需要将发票提交给第三方服务提供者，然后提交给用户或提交给用户银行以及然后提交给用户，此外需要在从用户银行向开发票方银行付费前用户将电子付费返回给第三方服务提供者。
因此，需要一种自动的电子开发票及付费的简单、直接的方法及系统，它直接地涉及开发票方和用户，同时不需要第三方服务提供者，并且可被定制以包括对于一定类型的发票或在一定美元阈值以下时预批准付费。
                  本发明概述
本发明旨在提供一种电子开发票及付费系统，用于向用户提供观察及修改由开发票方执行的付费指令的机会。该系统包括具有控制系统及第一通信电子部分的发票显示电子部分。该系统还包括至少一个具有用户接口的远程委托终端，该终端具有第二通信电子部分，用于可操作地与第一通信电子部分通信。
发票显示电子部分的控制系统用于将关于对自动票据预委托的用户发票的票据数据提供给第一通信电子部分，以便发送到第二通信电子部分。
远程委托终端的用户接口用于将票据数据显示给用户并接收来自用户的关于票据数据的回答，该回答指示以下之一：接受票据数据以便生成自动票据，或修改票据数据以便修改自动票据。
因此，本发明的一个方面是提供一种自动电子开发票及付费系统，用于向远程用户提供对来自开发票方的自动票据的观察。该系统包括：(a)发票显示电子部分，用于对用户显示用户票据数据并向用户请求与自动票据有关的付费指令；及(b)用户远程电子委托接口，用于：(i)接收来自发票显示电子部分的用户票据数据及付费指令请求；(ii)对用户提供用户票据数据及付费指令请求；(iii)从用户接收回答付费指令请求的用户付费指令；及(iv)将用户付费指令从用户传送到开发票方，该付费指令至少包括一个发票帐号及一个相关的用户付费帐户。
本发明的另一方面是提供一个用于自动电子开发票及付费系统的用户远程电子委托接口，该系统用于向远程用户提供对来自开发票方的自动票据的观察。该系统包括：(a)用于接收来自开发票方的用户票据数据及付费指令请求的装置；(b)用于从用户接收回答来自开发票方的付费指令请求的用户付费指令的装置；及(c)用于将用户付费指令从用户传送到开发票方的装置，该付费指令至少包括一个发票帐号及一个相关的用户付费帐户。
本发明的又一方面是提供一种自动电子开发票及付费系统，用于向远程用户提供对来自开发票方的自动票据的观察。该系统包括：(a)发票显示电子部分，用于对用户显示用户票据数据并向用户请求与自动票据有关的付费指令；及(b)用户远程电子委托接口，它包括：用于接收来自开发票方的用户票据数据及付费指令请求的装置；用于从用户接收回答来自开发票方的付费指令请求的用户付费指令的装置；及用于将用户付费指令从用户传送到开发票方的装置，该接口用于：(i)接收来自发票显示电子部分的用户票据数据及付费指令请求；(ii)对用户提供用户票据数据及付费指令请求；(iii)从用户接收回答付费指令请求的用户付费指令；及(iv)将用户付费指令从用户传送到开发票方，该付费指令至少包括一个发票帐号及一个相关的用户付费帐户；及(c)付费源，在用户观察后发票显示电子部分用于将付费指令传送到付费源。
对于本领域的熟练技术人员来说，在阅读了以下参照附图对优选实施例的说明后将会对本发明的这些及其他方面更加明白。
                   附图的简要说明
图1是各种现有技术的开发票系统的概要示图；
图2是根据本发明的执行电子开发票及付费的方法的概要示图；
图3A及3B是根据本发明构成的电子开发票及付费系统的概要示图。
                   优选实施例的描述
在以下描述中，各个图中相同的标记表示相同或相对应的部分。并且在以下描述中，应该理解，一些词汇、如“前”，“后”，“左”，“右”，“上”，“下”等是为了方便起见而不应被解释为限制性词汇。
现在参照总的附图，尤其是图1，应该理解，这些附图是为了描述本发明的优选实施例，而非企图将本发明限制于其上。参照图1，它表示用于纸发票付费及使用第三方服务提供者的自动发票付费的现有处理。
在纸发票处理的情况下，开发票方10准备纸发票12，它通过邮寄送到用户20。在检验了发票是正确的以后，用户20准备纸支票22并将纸支票送返开发票方10。然后，开发票方10记入用户20的帐户并将支票22及其另外的商务收据提交给开发票方银行30。接着，开发票方银行30通过公知的ACH网络与用户银行40相互作用，以要求从用户支票帐户提取款项及将这些款项存入开发票方支票帐户。该相互作用后是一个传统的、公知的由32，42表示的处理。
如上所述，在开发票方10接收来自用户20的支票22以前可能过去了一些时间。如果使支票直接从用户20发送给开发票方银行30时，该处理可以加速。该“保险箱”处理是通过使用将支票22寄给开发票方银行30的发票上的邮箱地址来进行的，虽然发票12上的地址可能示出开发票方10的名字。在此修改的处理中，在接收支票22后，开发票方银行30在款项被贷入开发票方帐户前仍通过ACH网络32，42。
在试图使该处理自动化时，就出现了第三方服务提供者50。这时开发票方10将电子数据流14传送给服务提供者50，该数据流包括通常包括在纸发票中的所有信息。然后在服务提供者50与用户20之间进行电子通信52，以便通知用户20待结的费用，在某些情况下允许用户同意将费用记在其帐户中。然后，服务提供者50将付费委托54传送到用户银行40。与此同时，服务提供者50也可以将信息56传送给开发票方10以通知付费委托54。
在接收到委托54后，用户银行40通过传统通道将费用传送给开发票方银行30。
非银行服务提供者50也可以被批准进入ACH网络，以通过PPD用户银行40以用户20的名义支取。在此情况下，服务提供者50可将来自用户的款项收入服务提供者支票帐户，并然后将这些款项传送给开发票方10。
由图1的复杂性可看到，传统的纸发票处理及第三方服务提供者处理均为麻烦、耗时/费力的。
如图2中可清楚看到的，它表示根据本发明构成的电子开发票及付费方法。该方法开始于对用户20的发票电子显示50。应当理解，这里“显示”(“presentment”)一词不包括通常与商务纸件有关的特殊定义，即对受票人产生可流通证券。而是，该词涉及通过电子装置提供一个“发票”，其至少包括在纸发票中通常包含的相同用户票据数据。该电子显示可通过使用互联网网站，银行ATM机或通过使用街面货亭进行。
在一个优选实施例中，除通常的票据数据外，该发票还包括付费指令请求。该请求向用户提供选择对发票用银行帐户付费的机会，或向用户提供通过贷款卡，信用卡，ATM，存值卡或某种款源付费的选项。
发票应包括票据数据，如用户姓名，地址，帐号及电子邮件地址。该发票还包括在纸发票中通常包含的票据数据，即包括发票涉及的时间、发票涉及的货物/服务的细节、应付的总额和应付费日期。
除典型的发票信息外，电子发票显示也可包括涉及改变信用期限等的用户通知。开发票方10也可包括告知用户20关于新产品或现有产品销售的促销材料。
在电子发票显示50后，用户向开发票方10提供电子委托52，以允许由用户帐户付款。该步骤消除了准备及邮寄纸支票的时间及费用。与接收纸支票22所需的时间相比，开发票方10可在少至一天的时间中处于记入用户银行帐户的借方的状态。
包括在电子委托中的信息可包括发票帐号及相关的用户付费帐户。在一个优选实施例中，这两个信息项同时委托提交。当作出预安排指令时，则无需每次重复提交该信息。
在提供付款委托前，用户20设有改变付费指令的多个选项，以产生改变的付费指令52a。这些改变可包括根本无任何修改以接受包括在显示中的所有付费项。或者，用户20可被提供以下选项的任何组合：
1)用户出于某些未指明的理由或出于某一明确的理由、例如涉及对发票上所含一行项目的争议，付给低于发票上应付的款额。
2)用户可选择付给多于发票上应付的款额。
3)用户可选择作特殊付费，例如贷款的额外资本支付。
4)用户可选择改变通过电子传送的付费日期，假定该日期未过。
5)用户可改变付费的款源，即从原来的支票帐户变为预委托信用卡。作出上述任何的改变需要用户受开发票方授权这样做。
上述方法可用图3a中概示的自动票据系统来实现，该系统使用户能对来自开发票方的自动票据进行观察，它包括：(a)发票显示电子部分60，用于对用户显示票据数据以请求与自动票据有关的付费指令；及(b)用户电子委托接口84。
用户接口从发票显示电子部分接收用户票据数据及付费指令请求，并将它们提供给用户。该接口也接收回答付费指令请求的用户付费指令，并将用户付费指令从用户传送到开发票方。
发票显示电子部分60还可包括控制系统62及第一通信电子部分64。这些部分通常位于开发票方控制的设施中。
在用户设施中，该系统包括远程委托终端80，它具有第二通信电子部分82，用于与第一通信电子部分64通信。控制系统62协调电子发票50及付费指令请求的生成，电子发票50至少包括通常包含在传统纸发票上的所有票据信息。然后控制系统监视从第一通信电子部分64到第二通信电子部分82的信息发送，以便由用户观察。
远程委托终端80用于对用户显示票据数据及用户对票据数据的适当回答。该回答指示对于自动付费无改变的接受票据数据或如上所述修改票据数据。用户接口84还用于将该信息发送给发票显示电子部分60。
该系统的各部分可用多种方式构成。例如，用户可访问站点可设在由开发票方提供的互联网网站中，用于接收票据数据及来自用户的付费指令。该网站将从用户电子委托接口84进入。在此情况下，用户委托接口84将包括用于访问用户可访问站点的互联网浏览器。
作为用户电子委托接口的其他替换方案包括自动柜员机(ATM)，远程货亭，个人计算机，交互电视装置或电话。
在电话的情况下，用户电子委托接口84可包括公知的按键式电话或可视电话。
在另一实施例中，用户电子委托接口84是一个数字计算机，它通过电子邮件将票据数据及付费指令请求显示给用户，及通过电子邮件回复将用户付费指令52转发给发票显示电子部分60。用户电子委托接口84也可包括：显示器，用于显示票据数据及付费指令请求；以及用于接收用户付费指令的用户可操作输入端。
除视觉显示外，用户电子委托接口84还可包括音频电子部分85及扬声器86，用于告知票据数据并向用户请求付费指令。在此实施例中，用于接收用户付费指令的用户可操作输入端的特征也可为用户语音输入。
用户电子委托接口84也可用来使用户能轮询发票显示电子部分60，以接收票据数据及付费指令请求。
本发明的自动票据系统包括从开发票方向用户提供票据数据，以使远程用户观察及接收/修改以及向开发票方传送这些项目。可传送给用户的票据信息50包括以下项目的任何组合：
-应付款日期
-应付款额
-在开票据期间提供的货物/服务的细节
-后收费
-帐户信息
-用户信息，包括用户姓名、用户地址、用户帐户识别码(该
帐户识别码可包括用户号码和/或帐号)
-发票识别码，例如发票号码
发票显示电子部分60可包括一个存储装置，用于存储涉及用户票据的发票信息和涉及与用户有关的金融机构的帐户信息。即，用户可以选择，以从多个帐户中选择一个特定帐户，从该帐户支出资金以对发票付款。
存储装置及发票显示电子部分60还包括与预委托付费指令有关的信息，用于从帐户信息中记载的一个帐户自动支付票据信息中记载的票据款额。如果使用了预委托付费指令，来自发票显示电子部分60的付费指令请求50将询问用户接受这些指令是否要修改。为了实现这种修改，用户委托接口84还可包括一个编辑器，以修改预委托付费指令。
通过参照图3B可很好地理解本发明的整体操作。开发票方的用户可通过任何远程附属计算装置101访问该系统，并通过公用或私人网络102与开发票方系统通信。某种类型的网服务器或通信处理器103管理用户与应用系统之间的在线通信，以允许用户开始提供处理。由提供应用程序104对用户电子地显示要完成的数据输入表格，它也可以根据如包含在传统系统中的开发票方的记录验证由用户输入的数据是否有效。在确定了用户及资金帐户记录是否确切后，开发票方将促动用户进行电子发票显示及支付。
带有允许用户访问系统的信息、例如帐号和/或口令的电子邮件消息或传统的信件将发送给用户。
在对该用户的下一开发票周期中，适当数据，如传统打印数据及传统自动付费106被获得。传统的打印数据是通常被送到打印机以准备用户纸发票的数据。传统的付费数据是由开发票方产生的记录，以允许开发票方基于用户的预委托安排启动付费。付费记录将包括用于从支票或储蓄帐户的自动资金转移的格式化数据(ACH格式数据)，对信用卡、贷款卡或存值卡的贷入交易的格式化数据。要转移到ATM网络的文件也是所预期的。
在获得产品数据时，由应用程序107分类、分析、提取传统数据，并维持适当的控制数据，用于操作报告。应用程序108将数据加载到相关数据库109中，用于每月处理。在一个优选实施例中，将使用两个分立的计算机，以对敏感的金融数据如帐号或委托码提供附加安全性。作为另一安全措施，开发票方可选择使用位于开发票方防火墙安全装置后面并由安全网络111连接到网络服务器主计算机112的计算机110来配置产品。
通过使用直接转移的数据传送，例如借助数据库109内编码的、远程存储程序或通过分组传送，使发票显示数据及关于金融协定的数据子集能够得到，以便显示。
一旦通过电子方式可得到的数据被准确地加载到网络服务器数据库113中时，应用程序114将电子邮件消息传送到用户，以通知每月发票的可用性并提供数据的某些概要。因为电子邮件帐户数据可能无效或服务可能不起作用，故使用应用程序114准备数据，以便通过美国邮政服务、电传及其他设施来发送。前端处理器115包括一个以开发票方所需方式显示发票和缺省付费安排116所需的模板。网服务器103主持交互会议，其间用户取得其发票。用户可选择修改预设置的付费安排。作为例子，用户可改变付费额，付费日期及改变用于付费的款源，如从个人支票帐户改变到开发票方同意的另一款源、如信用卡。这些安排114被存储在网服务器数据库113中。
在一个优选实施例中，用户也可使用与网络102连接的电话117及PBX电话处理交换器118，以便向/从语音回答单元119传送数据。用户也可通过按键电话或语音识别收听关于其发票的语音信息及发出对预设安排进行改变的信号。这些改变由前端处理器115处理并记录在数据库中，就象基于远程计算机的输入一样。
在开发票方将付费数据传送到银行或金融交易处理服务机构的每一天，执行应用程序120，以识别在网服务器数据库113中预定付费的用户。来自网服务器的数据被发送，以便在第二计算机110中处理，并与包含预委托的、最初存储在相关数据库109中的付费安排的数据相组合。根据用户的指令，如果请求改变款源时，修改或删除并重新产生记录。然后数据被格式化以接口到开发票方的传统系统121，例如，模仿用于开发票方保险箱处理的常规文件格式。
数据122被传送到开发票方银行或处理金融交易的第三方。当在分组处理内的用户数据由于资金不足或数据不正确被返回时，应用程序123记录下这些时刻，由此维持正确的用户付费历史。
产品的安全提供能使电子发票显示及付费安排的提交仅集中在开发票方。尽管该优选实施例预期开发票方可以选择由外部公司以开发票方的名义使用外部主服务器或服务器及进行汇款处理，将对用户提供服务使得用户通常不知道开发票方不是真正直接操作产品。
本领域的熟练技术人员在阅读了上述说明后将可作出某些修改或改进。应当理解，为了阅读简明起见，所有这些修改或改进在这里已被省略，并被恰当地列在附设的权利要求书中。

Claims (99)

1、一种自动电子开发票及付费系统，用于向远程用户提供对来自开发票方的自动票据的观察，所述系统包括：
(a)发票显示电子部分，用于向所述用户显示用户票据数据并请求与自动票据有关的付费指令；及
(b)用户远程电子委托接口，用于：(i)接收来自所述发票显示电子部分的用户票据数据及付费指令请求；(ii)向用户提供该用户票据数据及付费指令请求；(iii)从用户接收回答付费指令请求的用户付费指令；及(iv)将用户付费指令从用户传送到所述开发票方，所述付费指令至少包括一个发票帐号及一个相关的用户付费帐户。
2.根据权利要求1的系统，还包括一个付费源，所述发票显示电子部分用于在用户观察后将付费指令传送给付费源。
3.根据权利要求2的系统，其中所述付费源是一个票据交换所。
4.根据权利要求3的系统，其中所述票据交换所是一个快递机构。
5.根据权利要求3的系统，其中所述票据交换所是一个付费网络。
6.根据权利要求2的系统，其中所述付费指令包括传送日期。
7.根据权利要求2的系统，其中所述付费指令包括要从与用户相关的金融机构中支出的款额。
8.根据权利要求2的系统，其中所述付费指令包括与用户相关的、从其中支付款项的帐户信息。
9.根据权利要求2的系统，其中所述付费指令包括与开发票方相关的、在其中存储款项的帐户信息。
10.根据权利要求1的系统，其中所述票据数据包括开发票方票据信息。
11.根据权利要求10的系统，其中所述票据信息包括应付款日期。
12.根据权利要求10的系统，其中所述票据信息包括应付款额。
13.根据权利要求10的系统，其中所述票据信息包括在开票据期间提供的货物及服务的清单。
14.根据权利要求10的系统，其中所述票据信息包括后支付。
15.根据权利要求10的系统，其中所述票据信息包括帐户信息。
16.根据权利要求1的系统，其中所述票据数据包括用户信息。
17.根据权利要求16的系统，其中所述用户信息包括用户姓名。
18.根据权利要求16的系统，其中所述用户信息包括用户地址。
19.根据权利要求16的系统，其中所述用户信息包括用户的帐户信息。
20.根据权利要求1的系统，其中所述票据数据包括用户帐户识别码。
21.根据权利要求1的系统，其中所述票据数据包括发票识别码。
22.根据权利要求1的系统，其中所述发票显示电子部分包括：与用户票据有关的发票信息，及关于从其中支付款项的与用户相关的金融机构的帐户信息。
23.根据权利要求22的系统，其中所述发票显示电子部分还包括预委托付费指令，用于从所述帐户信息中记载的帐户对所述票据信息中记载的票据款额自动付费。
24.根据权利要求23的系统，其中来自所述发票显示电子部分的付费指令请求将询问用户：对于显示的票据数据是否需要预委托付费指令。
25.根据权利要求23的系统，其中来自所述发票显示电子部分的付费指令请求将询问用户：对于显示的票据数据是否需要修改预委托付费指令。
26.根据权利要求23的系统，其中所述用户委托接口包括一个编辑器，用于修改预委托付费指令。
27.根据权利要求22的系统，其中帐户信息包括来自多个金融机构的帐户信息，及付费指令请求询问用户选择从其中支出相关用户票据的款项的金融机构。
28.根据权利要求27的系统，其中所述发票显示电子部分包括预委托缺省安排，指明从其中支出所述相关用户票据的款项的金融机构。
29.根据权利要求28的系统，其中所述用户电子委托接口用于接收用户输入，以接受预委托缺省安排。
30.根据权利要求28的系统，其中所述用户电子委托接口用于接收用户输入，以修改预委托缺省安排。
31.根据权利要求1的系统，其中所述付费指令请求包括从由应付款额、付款时间、支付款项的帐户组成的组中选择的票据信息。
32.根据权利要求31的系统，其中所述用户委托接口用于修改票据信息，以修改由应付款额、付款时间、支付款项的帐户组成的组中的一项或多项。
33.根据权利要求1的系统，其中所述票据数据包括对用户的通知。
34.根据权利要求1的系统，其中所述票据数据包括指向用户的广告信息。
35.根据权利要求1的系统，其中所述票据数据包括控制信息。
36.一种用于向远程用户提供对来自开发票方的自动票据的观察的自动电子开发票及付费系统的用户远程电子委托接口，所述系统包括：
(a)用于接收来自所述开发票方的用户票据数据及付费指令请求的装置；
(b)用于从用户接收回答来自所述开发票方的所述付费指令请求的用户付费指令的装置；及
(c)用于将用户付费指令从用户传送到所述开发票方的装置，所述付费指令至少包括一个发票帐号及一个相关的用户付费帐户。
37.根据权利要求36的系统，其中所述付费指令包括支付款项的日期。
38.根据权利要求36的系统，其中所述付费指令包括发票款额。
39.根据权利要求36的系统，其中所述开发票方提供一个用于接收所述票据数据及所述付费指令请求的用户可访问站点，所述站点可从用户电子委托接口访问。
40.根据权利要求39的系统，其中所述用户可访问站点是互联网网站，及所述用户电子委托接口包括用于访问所述用户可访问站点的浏览器。
41.根据权利要求39的系统，其中所述用户电子委托接口是一个自动柜员机。
42.根据权利要求39的系统，其中所述用户电子委托接口是一个远程货亭。
43.根据权利要求39的系统，其中所述用户电子委托接口是一个个人计算机。
44.根据权利要求39的系统，其中所述用户电子委托接口是一个交互电视机。
45.根据权利要求39的系统，其中所述用户电子委托接口是一个电话机。
46.根据权利要求39的系统，其中所述用户电子委托接口是一个计算机，所述票据数据及所述付费指令请求通过电子邮件展示给用户而用户付费指令通过用户电子邮件提供。
47.根据权利要求39的系统，其中所述用户电子委托接口包括：一个显示器，用于显示所述票据数据及所述付费指令请求；及一个用户可操作的输入部分，用于接收用户付费指令。
48.根据权利要求39的系统，其中所述用户电子委托接口包括：音频电子部分及扬声器，用于提供所述票据数据及所述付费指令请求；及一个用户可操作的输入部分，用于接收用户付费指令。
49.根据权利要求39的系统，其中所述用户电子委托接口用于使用户能轮询所述发票显示电子部分，以接收所述票据数据及所述付费指令请求。
50.一种自动电子开发票及付费系统，用于向远程用户提供对来自开发票方的自动票据的观察，所述系统包括：
(a)发票显示电子部分，用于向所述用户显示用户票据数据并请求与自动票据有关的付费指令；
(b)用户远程电子委托接口，所述用户接口包括：用于接收来自所述开发票方的用户票据数据及付费指令请求的装置；用于从用户接收回答来自所述开发票方的所述付费指令请求的用户付费指令的装置；及用于将用户付费指令从用户传送到所述开发票方的装置，所述接口用于：(i)接收来自所述发票显示电子部分的用户票据数据及付费指令请求；(ii)对用户提供用户票据数据及付费指令请求；(iii)从用户接收回答付费指令请求的用户付费指令；及(iv)将用户付费指令从用户传送到所述开发票方，所述付费指令至少包括一个发票帐号及一个相关的用户付费帐户；及
(c)付费源，在用户观察后所述发票显示电子部分用于将付费指令传送到付费源。
51.根据权利要求50的系统，其中所述付费源是一个票据交换所。
52.根据权利要求51的系统，其中所述票据交换所是一个快递机构。
53.根据权利要求51的系统，其中所述票据交换所是一个付费网络。
54.根据权利要求50的系统，其中所述付费指令包括传送日期。
55.根据权利要求50的系统，其中所述付费指令包括要从与用户相关的金融机构中支出的款额。
56.根据权利要求50的系统，其中所述付费指令包括与用户相关的、从其中支付款项的帐户信息。
57.根据权利要求50的系统，其中所述付费指令包括与开发票方相关的、在其中存储款项的帐户信息。
58.根据权利要求50的系统，其中所述票据数据包括开发票方票据信息。
59.根据权利要求58的系统，其中所述票据信息包括应付款日期。
60.根据权利要求58的系统，其中所述票据信息包括应付款额。
61.根据权利要求58的系统，其中所述票据信息包括在开票据期间提供的货物及服务的数据。
62.根据权利要求58的系统，其中所述票据信息包括后支付。
63.根据权利要求58的系统，其中所述票据信息包括帐户信息。
64.根据权利要求50的系统，其中所述票据数据包括用户信息。
65.根据权利要求64的系统，其中所述用户信息包括用户姓名。
66.根据权利要求64的系统，其中所述用户信息包括用户地址。
67.根据权利要求64的系统，其中所述用户信息包括用户的帐户信息。
68.根据权利要求50的系统，其中所述票据数据包括用户帐户识别码。
69.根据权利要求50的系统，其中所述票据数据包括发票识别码。
70.根据权利要求50的系统，其中所述发票显示电子部分包括：与用户票据有关的发票信息，及关于从其中支付款项的与用户相关的金融机构的帐户信息。
71.根据权利要求70的系统，其中所述发票显示电子部分还包括预委托付费指令，用于从所述帐户信息中记载的帐户对所述票据信息中记载的票据款额自动付费。
72.根据权利要求71的系统，其中来自所述发票显示电子部分的付费指令请求将询问用户：对于显示的票据数据是否需要预委托付费指令。
73.根据权利要求71的系统，其中来自所述发票显示电子部分的付费指令请求将询问用户：对于显示的票据数据是否需要修改预委托付费指令。
74.根据权利要求71的系统，其中所述用户委托接口包括一个编辑器，用于修改预委托付费指令。
75.根据权利要求70的系统，其中帐户信息包括来自多个金融机构的帐户信息，及付费指令请求询问用户选择从其中支出相关用户票据的款项的金融机构。
76.根据权利要求75的系统，其中所述发票显示电子部分包括预委托缺省安排，指明从其中支出所述相关用户票据的款项的金融机构。
77.根据权利要求76的系统，其中所述用户电子委托接口用于接收用户输入，以接受预委托缺省安排。
78.根据权利要求76的系统，其中所述用户电子委托接口用于接收用户输入，以修改预委托缺省安排。
79.根据权利要求50的系统，其中所述付费指令请求包括从由应付款额、付款时间、支付款项的帐户组成的组中选择的票据信息。
80.根据权利要求79的系统，其中所述用户委托接口用于修改票据信息，以修改由应付款额、付款时间、支付款项的帐户组成的组中的一项或多项。
81.根据权利要求50的系统，其中所述票据数据包括对用户的通知。
82.根据权利要求50的系统，其中所述票据数据包括指向用户的广告信息。
83.根据权利要求50的系统，其中所述票据数据包括控制信息。
84.根据权利要求50的系统，其中所述付费指令包括支付款项的日期。
85.根据权利要求50的系统，其中所述付费指令包括发票款额。
86.根据权利要求50的系统，其中所述开发票方提供一个用于接收所述票据数据及所述付费指令请求的用户可访问站点，所述站点可从用户电子委托接口访问。
87.根据权利要求86的系统，其中所述用户可访问站点是互联网网站，及所述用户电子委托接口包括用于访问所述用户可访问站点的浏览器。
88.根据权利要求86的系统，其中所述用户电子委托接口是一个自动柜员机。
89.根据权利要求86的系统，其中所述用户电子委托接口是一个远程货亭。
90.根据权利要求86的系统，其中所述用户电子委托接口是一个个人计算机。
91.根据权利要求86的系统，其中所述用户电子委托接口是一个交互电视机。
92.根据权利要求86的系统，其中所述用户电子委托接口是一个电话机。
93.根据权利要求86的系统，其中所述用户电子委托接口是一个计算机，所述票据数据及所述付费指令请求通过电子邮件展示给用户而用户付费指令通过用户电子邮件提供。
94.根据权利要求86的系统，其中所述用户电子委托接口包括：一个显示器，用于显示所述票据数据及所述付费指令请求；及一个用户可操作的输入部分，用于接收用户付费指令。
95.根据权利要求86的系统，其中所述用户电子委托接口包括：音频电子部分及扬声器，用于提供所述票据数据及所述付费指令请求；及一个用户可操作的输入部分，用于接收用户付费指令。
96.根据权利要求86的系统，其中所述用户电子委托接口用于使用户能轮询所述发票显示电子部分，以接收所述票据数据及所述付费指令请求。
97.一种用于自动电子开发票及付费系统的方法，该系统用于向远程用户提供对来自开发票方的自动票据的观察，所述方法包括以下步骤：
(a)使用发票显示电子部分向所述用户显示用户票据数据并请求与自动票据有关的付费指令；及
(b)使用用户远程电子委托接口接收来自所述发票显示电子部分给所述用户的用户票据数据及付费指令请求；及
(c)由用户对所述开发票方提供回答付费指令请求的用户付费指令，所述付费指令至少包括一个发票帐号及一个相关的用户付费帐户。
98.一种用于自动电子开发票及付费系统的方法，该系统用于使用用户远程电子委托接口向远程用户提供对来自开发票方的自动票据的观察，所述方法包括以下步骤：
(a)接收来自所述开发票方的用户票据数据及付费指令请求；
(b)从用户接收回答来自所述开发票方的所述付费指令请求的用户付费指令；及
(c)将用户付费指令从用户传送到所述开发票方，所述付费指令至少包括一个发票帐号及一个相关的用户付费帐户。
99.一种用于自动电子开发票及付费系统的方法，该系统用于向远程用户提供对来自开发票方的自动票据的观察，所述方法包括以下步骤：
(a)使用发票显示电子部分向所述用户显示用户票据数据并请求与自动票据有关的付费指令；
(b)使用用户远程电子委托接口委托付费，所述用户接口包括：用于接收来自所述开发票方的用户票据数据及付费指令请求的装置；用于从用户接收回答来自所述开发票方的所述付费指令请求的用户付费指令的装置；及用于将用户付费指令从用户传送到所述开发票方的装置，所述接口用于：(i)接收来自所述发票显示电子部分的用户票据数据及付费指令请求；(ii)对用户提供用户票据数据及付费指令请求；(iii)从用户接收回答付费指令请求的用户付费指令；及(iv)将用户付费指令从用户传送到所述开发票方，所述付费指令至少包括一个发票帐号及一个相关的用户付费帐户；及
(c)使用所述发票显示电子部分，在用户观察后将付费指令传送到付费源。
CN98810986A 1997-09-08 1998-08-19 电子开发票及付费系统 Pending CN1322324A (zh)

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