TW202143147A - Integration system for electronic invoice and implementation method thereof - Google Patents

Abstract

An implementation method of an integration system for electronic invoice is provided. A mobile device executes a payment application to connect to a payment server, and receives and sends a user's identification number and communication information to a bank server through the payment server. The bank server uses the identification number and the communication information to verify the identity of the user. After the verification is passed, a bank barcode corresponding to the identification number is generated by the bank server, and the bank barcode is transmitted to the mobile device through the payment server, so that the payment application records the bank barcode. After the mobile device executes the payment application to carry out a transaction, the mobile device receives electronic invoice generated by the transaction, and transmits the electronic invoice to the bank server for storage according to the bank barcode to make the mobile device execute a banking application to connect to the bank server to query the electronic invoice stored corresponding to bank barcode.

Description

Translated fromChinese

電子發票整合系統及其實施方法Electronic invoice integration system and its implementation method

本發明涉及一種整合系統及其實施方法，特別是電子發票整合系統及其實施方法。The invention relates to an integration system and its implementation method, in particular to an electronic invoice integration system and its implementation method.

隨著現代科技的發展，節能減碳乃成為近來環保議題之一大訴求其中，紙張的減量使用遂蔚為風氣之先。近年來，政府機關大力推行電子發票，透過無紙化電子發票取代紙質發票，降低了紙張及耗材的消耗，也促使了企業的節能減碳。With the development of modern technology, energy saving and carbon reduction have become one of the major demands of recent environmental protection issues, and the reduction in the use of paper has become a trend. In recent years, government agencies have vigorously promoted electronic invoices, replacing paper invoices with paperless electronic invoices, reducing the consumption of paper and consumables, and promoting energy conservation and carbon reduction in enterprises.

為了達到真正無紙化的目標，財政部推出電子發票整合服務平台，提供歸戶設定以及手機條碼、自然人憑證條碼、悠遊卡、iCash、一卡通、信用卡、SmartPay 金融卡、跨境電商郵件載具等設定，方便民眾將交易所對應產生的電子發票進行雲端匯整，再由雲端對獎及中獎自動匯款，以推廣民眾索取電子發票，而不再習慣結帳後索取紙本發票。In order to achieve the goal of truly paperless, the Ministry of Finance has launched an integrated service platform for electronic invoices, which provides account return settings, mobile phone barcodes, natural person voucher barcodes, leisure cards, iCash, all-in-one cards, credit cards, SmartPay financial cards, and cross-border e-commerce mail carriers. It is convenient for the public to collect electronic invoices generated by the exchange in the cloud, and then automatically remit prizes and winnings from the cloud to promote the public to request electronic invoices instead of requesting paper invoices after checkout.

隨著行動裝置、網路銀行與行動支付愈見普及，由行動裝置透過支付應用程式所綁定之銀行帳號或信用卡帳號進行交易付款後，其所對應產生的電子發票被上傳至電子發票整合服務平台，使得民眾僅能藉由行動裝置透過網銀應用程式查詢到該筆交易的金額，無法查詢該筆交易的購物明細，因此，存在銀行用戶對於其支出管理不便之問題。With the increasing popularity of mobile devices, online banking and mobile payment, after the mobile device uses the bank account or credit card account bound to the payment application to make a transaction payment, the corresponding electronic invoice is uploaded to the electronic invoice integration service The platform allows the public to inquire the amount of the transaction through the online banking application only through the mobile device, and cannot inquire the shopping details of the transaction. Therefore, there is a problem that bank users are inconvenient in managing their expenditures.

有鑒於此，實有必要提出改進的技術手段，來解決此一問題，為銀行用戶提供更便捷的銀行服務。In view of this, it is necessary to propose improved technical means to solve this problem and provide bank users with more convenient banking services.

本發明揭露一種電子發票整合系統及其實施方法。The invention discloses an electronic invoice integration system and an implementation method thereof.

首先，本發明揭露一種電子發票整合系統，其包括：支付伺服器、行動裝置與銀行伺服器。其中，行動裝置安裝有支付應用程式與網銀應用程式，且用以執行支付應用程式以連接支付伺服器，接收載具授權請求，並透過支付伺服器傳送載具授權請求至銀行伺服器，載具授權請求包括用戶的身分證字號與通訊資料；銀行伺服器連接支付伺服器，且用以透過身分證字號與通訊資料驗證用戶的身分，並於驗證通過後產生對應身分證字號的銀行條碼，且透過支付伺服器傳送銀行條碼予行動裝置，以使支付應用程式紀錄銀行條碼；當行動裝置執行支付應用程式，並透過支付應用程式所綁定之銀行帳號或信用卡帳號進行交易後，其接收到該交易對應產生的電子發票，並依據銀行條碼將電子發票傳送至銀行伺服器對應儲存，以供行動裝置執行網銀應用程式連接銀行伺服器後查詢對應銀行條碼儲存的電子發票。First, the present invention discloses an electronic invoice integration system, which includes: a payment server, a mobile device, and a bank server. Among them, the mobile device is installed with a payment application and an online banking application, and is used to execute the payment application to connect to the payment server, receive the vehicle authorization request, and send the vehicle authorization request to the bank server through the payment server. The authorization request includes the user's ID number and communication data; the bank server is connected to the payment server and used to verify the user's identity through the ID number and communication data, and generate a bank barcode corresponding to the ID number after the verification is passed, and The bank barcode is sent to the mobile device through the payment server so that the payment application can record the bank barcode; when the mobile device executes the payment application and performs a transaction through the bank account or credit card account bound to the payment application, it receives the barcode The transaction corresponds to the generated electronic invoice, and the electronic invoice is sent to the bank server for corresponding storage based on the bank barcode, so that the mobile device can execute the online banking application to connect to the bank server and query the electronic invoice stored in the corresponding bank barcode.

此外，本發明揭露一種電子發票整合系統的實施方法，包括以下步驟：提供電子發票整合系統，其包括：行動裝置、支付伺服器與銀行伺服器，行動裝置安裝有支付應用程式與網銀應用程式，支付伺服器連接銀行伺服器；行動裝置執行支付應用程式以連接支付伺服器，接收載具授權請求，並透過支付伺服器傳送載具授權請求至銀行伺服器，其中，載具授權請求包括用戶的身分證字號與通訊資料；銀行伺服器透過身分證字號與通訊資料驗證用戶的身分，並於驗證通過後產生對應身分證字號的銀行條碼，且透過支付伺服器傳送銀行條碼予行動裝置，以使支付應用程式紀錄銀行條碼；以及行動裝置執行支付應用程式，並透過支付應用程式所綁定之銀行帳號或信用卡帳號進行交易後，其接收到該交易對應產生的電子發票，並依據銀行條碼將電子發票傳送至銀行伺服器對應儲存，以供行動裝置執行網銀應用程式連接銀行伺服器後查詢對應銀行條碼儲存的電子發票。In addition, the present invention discloses an implementation method of an electronic invoice integration system, including the following steps: providing an electronic invoice integration system, which includes: a mobile device, a payment server and a bank server, the mobile device is installed with a payment application and an online banking application, The payment server is connected to the bank server; the mobile device runs the payment application to connect to the payment server, receives the vehicle authorization request, and sends the vehicle authorization request to the bank server through the payment server. The vehicle authorization request includes the user’s ID card number and communication data; the bank server verifies the user’s identity through the ID card number and communication data, and generates a bank bar code corresponding to the ID card number after the verification is passed, and sends the bank bar code to the mobile device through the payment server to enable The payment application records the bank barcode; and after the mobile device executes the payment application and performs a transaction through the bank account or credit card account bound to the payment application, it receives the electronic invoice generated corresponding to the transaction and sends the electronic invoice according to the bank barcode. The invoice is sent to the bank's server for corresponding storage, so that the mobile device can run the online banking application to connect to the bank's server and query the electronic invoice stored in the corresponding bank's barcode.

本發明所揭露之系統與方法如上，與先前技術的差異在於本發明是透過行動裝置執行支付應用程式連接支付伺服器，且接收並透過支付伺服器傳送用戶的身分證字號與通訊資料至銀行伺服器；銀行伺服器透過身分證字號與通訊資料驗證用戶的身分，並於驗證通過後產生對應身分證字號的銀行條碼，且透過支付伺服器傳送銀行條碼予行動裝置，以使支付應用程式紀錄銀行條碼；行動裝置執行支付應用程式進行交易後，接收到交易對應產生的電子發票，並依據銀行條碼將電子發票傳送至銀行伺服器對應儲存，以供行動裝置執行網銀應用程式連接銀行伺服器後查詢對應銀行條碼儲存的電子發票。The system and method disclosed in the present invention are as above. The difference from the prior art is that the present invention runs a payment application through a mobile device to connect to the payment server, and receives and transmits the user’s ID number and communication data to the bank server through the payment server. The bank server verifies the user’s identity through the ID number and communication data, and generates a bank barcode corresponding to the ID number after the verification is passed, and sends the bank barcode to the mobile device through the payment server so that the payment application can record the bank Bar code: After the mobile device executes the payment application to perform the transaction, it receives the electronic invoice generated by the transaction, and sends the electronic invoice to the bank server according to the bank barcode for corresponding storage, so that the mobile device can run the online banking application to connect to the bank server for query Corresponding to the electronic invoice stored in the bank barcode.

透過上述的技術手段，本發明可使用戶藉由行動裝置執行網銀應用程式後，除了可查詢到每一筆交易的交易金額以外，還可以查詢每一筆交易的購物明細（即電子發票上的相關資訊），方便進行支出管理。Through the above-mentioned technical means, the present invention allows the user to execute the online banking application through the mobile device, in addition to querying the transaction amount of each transaction, it can also query the shopping details of each transaction (that is, the relevant information on the electronic invoice) ) To facilitate expenditure management.

在說明本發明所揭露之電子發票整合系統及其實施方法之前，先對本發明所自行定義的名詞作說明，本發明所述的電子發票整合系統所包括的行動裝置、支付伺服器與銀行伺服器（含其包括的各種模組）主要可利用硬體方式來實現，同時可與軟體或韌體協同運作。其中，在實施中所使用的軟體或韌體可以被儲存在機器可讀儲存媒體上，例如：唯讀記憶體（ROM）、隨機存取記憶體（RAM）、磁盤儲存媒體、光儲存媒體、快閃記憶體裝置等等，並且可以由一個或多個通用或專用的可程式化微處理器執行。Before describing the electronic invoice integration system and its implementation method disclosed in the present invention, firstly, the self-defined terms of the present invention will be explained. The mobile device, payment server and bank server included in the electronic invoice integration system of the present invention (Including the various modules included) can be mainly realized by hardware, and can work with software or firmware at the same time. Among them, the software or firmware used in the implementation can be stored on machine-readable storage media, such as: read-only memory (ROM), random access memory (RAM), disk storage media, optical storage media, Flash memory devices, etc., and can be executed by one or more general-purpose or special-purpose programmable microprocessors.

此外，本發明所述之行動裝置需先下載並安裝支付應用程式與網銀應用程式，行動裝置的用戶可先藉由行動裝置開啟支付應用程式或網銀應用程式後，透過行動裝置的輸入介面，例如：鍵盤、觸控面板，註冊會員資訊，其中，會員資訊包含姓名、手機號碼、電子信箱、會員帳號及帳號密碼等資訊。換句話說，本發明所述之行動裝置的用戶需先註冊成為行動支付公司的會員與銀行的客戶。In addition, the mobile device of the present invention needs to download and install the payment application and the online banking application first. The user of the mobile device can first open the payment application or the online banking application through the mobile device, and then use the input interface of the mobile device, such as ：Keyboard, touch panel, registered member information, among them, member information includes name, mobile phone number, e-mail, member account number, account password and other information. In other words, the user of the mobile device described in the present invention must first register as a member of the mobile payment company and a customer of the bank.

再者，行動裝置的用戶可透過支付應用程式所設計的綁定流程，將其具有的銀行帳號或信用卡帳號設定為行動裝置執行支付應用程式進行行動支付的付款來源。Furthermore, users of mobile devices can set their bank account or credit card account as the source of payment for mobile payments when the mobile device executes the payment application through the binding process designed by the payment application.

以下將配合圖式及實施例來詳細說明本發明之實施方式，藉此對本發明如何應用技術手段來解決技術問題並達成技術功效的實現過程能充分理解並據以實施。The following describes the implementation of the present invention in detail with the drawings and embodiments, so as to fully understand and implement the implementation process of how the present invention uses technical means to solve technical problems and achieve technical effects.

請參閱「第1圖」與「第2圖」，「第1圖」為本發明電子發票整合系統之一實施例方塊示意圖，「第2圖」為「第1圖」的電子發票整合系統的實施方法之一實施例方法流程圖。Please refer to "Figure 1" and "Figure 2", "Figure 1" is a block diagram of an embodiment of the electronic invoice integration system of the present invention, and "Figure 2" is the electronic invoice integration system of "Figure 1" A flowchart of an embodiment method of the implementation method.

在本實施例中，電子發票整合系統的實施方法可包括以下步驟：提供電子發票整合系統，其包括：行動裝置、支付伺服器與銀行伺服器，行動裝置安裝有支付應用程式與網銀應用程式，支付伺服器連接銀行伺服器（步驟210）；行動裝置執行支付應用程式以連接支付伺服器，接收載具授權請求，並透過支付伺服器傳送載具授權請求至銀行伺服器，其中，載具授權請求包括用戶的身分證字號與通訊資料（步驟220）；銀行伺服器透過身分證字號與通訊資料驗證用戶的身分，並於驗證通過後產生對應身分證字號的銀行條碼，且透過支付伺服器傳送銀行條碼予行動裝置，以使支付應用程式紀錄銀行條碼（步驟230）；以及行動裝置執行支付應用程式，並透過支付應用程式所綁定之銀行帳號或信用卡帳號進行交易後，其接收到該交易對應產生的電子發票，並依據銀行條碼將電子發票傳送至銀行伺服器對應儲存，以供行動裝置執行網銀應用程式連接銀行伺服器後查詢對應銀行條碼儲存的電子發票（步驟240）。In this embodiment, the implementation method of the electronic invoice integration system may include the following steps: an electronic invoice integration system is provided, which includes a mobile device, a payment server, and a bank server, and the mobile device is equipped with a payment application and an online banking application. The payment server connects to the bank server (step 210); the mobile device runs the payment application to connect to the payment server, receives the carrier authorization request, and sends the carrier authorization request to the bank server through the payment server, where the carrier authorizes The request includes the user's ID number and communication data (step 220); the bank server verifies the user's identity through the ID number and communication data, and generates a bank barcode corresponding to the ID number after the verification is passed, and sends it through the payment server The bank barcode is sent to the mobile device so that the payment application can record the bank barcode (step 230); and after the mobile device executes the payment application and performs a transaction through the bank account or credit card account bound to the payment application, it receives the transaction Correspond to the generated electronic invoice, and send the electronic invoice to the bank server for corresponding storage according to the bank barcode, so that the mobile device can execute the online banking application to connect to the bank server and query the electronic invoice stored by the corresponding bank barcode (step 240).

在步驟210中，電子發票整合系統100包括：行動裝置110、支付伺服器120與銀行伺服器130，支付伺服器120連接銀行伺服器130。行動裝置110安裝有支付應用程式112與網銀應用程式114，行動裝置110執行支付應用程式112，以連接支付伺服器120；行動裝置110執行網銀應用程式114，以連接銀行伺服器130。其中，行動裝置110與支付伺服器120之間、行動裝置110與銀行伺服器130之間以及支付伺服器120與銀行伺服器130之間可通過網路相互連通，例如：行動通訊網路、網際網路、局域網路、廣域網路與/或無線網路，以進行信息與/或資訊的傳遞。在實際實施中，行動裝置110可為但不限於智慧型手機、平板電腦或智慧手錶，支付應用程式112可為但不限於台灣支付、LINE PAY或街口支付之應用程式，網銀應用程式114可為任一銀行之網路銀行的應用程式。Instep 210, the electronicinvoice integration system 100 includes a mobile device 110, apayment server 120, and a bank server 130, and thepayment server 120 is connected to the bank server 130. The mobile device 110 is installed with apayment application 112 and an online banking application 114. The mobile device 110 executes thepayment application 112 to connect to thepayment server 120; the mobile device 110 executes the online banking application 114 to connect to the bank server 130. Among them, the mobile device 110 and thepayment server 120, the mobile device 110 and the bank server 130, and thepayment server 120 and the bank server 130 can be connected to each other through a network, such as a mobile communication network, the Internet To transmit information and/or information. In actual implementation, the mobile device 110 may be, but not limited to, a smart phone, tablet or smart watch, thepayment application 112 may be, but not limited to, a Taiwan Pay, LINE PAY or Jiekou payment application, and the online banking application 114 may be It is an online banking application of any bank.

在步驟220中，行動裝置110執行支付應用程式112連結支付伺服器120後，行動裝置110的用戶可藉由其先前透過支付應用程式112註冊的會員資訊中之會員帳號及帳號密碼登入會員，再藉由行動裝置110的輸入介面輸入載具授權請求，其中，載具授權請求包括用戶的身分證字號與通訊資料，通訊資料可為手機號碼或電子信箱；行動裝置110接收載具授權請求後，透過支付伺服器120傳送載具授權請求至銀行伺服器130。Instep 220, after the mobile device 110 executes thepayment application 112 to connect to thepayment server 120, the user of the mobile device 110 can log in to the member by using the member account and account password in the member information previously registered through thepayment application 112, and then The vehicle authorization request is input through the input interface of the mobile device 110, where the vehicle authorization request includes the user's ID number and communication data. The communication data can be a mobile phone number or an e-mail; after the mobile device 110 receives the vehicle authorization request, The carrier authorization request is sent to the bank server 130 through thepayment server 120.

在步驟230中，銀行伺服器130接收到載具授權請求後，透過身分證字號與通訊資料驗證用戶的身分；更詳細地說，銀行伺服器130儲存有其對應銀行的客戶之身分證字號與通訊資料，當銀行伺服器130接收到載具授權請求之後，可先藉由載具授權請求中的身分證字號確認用戶是否為其對應銀行的客戶（即核對載具授權請求中的身分證字號是否與銀行伺服器130儲存的身分證字號相同），若是，則發出一次性密碼（one time password，OTP）於用戶所輸入的載具授權請求之手機號碼或電子信箱中，以供用戶藉由行動裝置110輸入上述一次性密碼回傳銀行伺服器130，進行用戶的身分驗證。當銀行伺服器130判斷其所發出的一次性密碼與行動裝置110所回傳的一次性密碼一致時，代表驗證通過（即行動裝置110的用戶同時為行動支付公司的會員與銀行的客戶）。此時，銀行伺服器130產生對應載具授權請求中的身分證字號之銀行條碼（即銀行條碼具有唯一性），且透過支付伺服器120傳送銀行條碼予行動裝置110，以使支付應用程式112紀錄銀行條碼。Instep 230, after the bank server 130 receives the vehicle authorization request, it verifies the user’s identity through the ID number and communication data; more specifically, the bank server 130 stores the ID number and ID of the corresponding bank’s customer Communication data. After the bank server 130 receives the vehicle authorization request, it can first confirm whether the user is a customer of the corresponding bank by using the identity card number in the vehicle authorization request (that is, check the identity card number in the vehicle authorization request Is it the same as the ID number stored by the bank server 130), if so, a one-time password (one time password, OTP) will be sent to the mobile phone number or e-mail box of the vehicle authorization request entered by the user for the user to use The mobile device 110 inputs the one-time password and sends it back to the bank server 130 to verify the user's identity. When the bank server 130 determines that the one-time password issued by it is consistent with the one-time password returned by the mobile device 110, it means that the verification is passed (that is, the user of the mobile device 110 is a member of the mobile payment company and a customer of the bank at the same time). At this time, the bank server 130 generates a bank barcode corresponding to the ID number in the vehicle authorization request (that is, the bank barcode is unique), and transmits the bank barcode to the mobile device 110 through thepayment server 120, so that thepayment application 112 Record the bank barcode.

需注意的是，步驟220與步驟230係為行動裝置110執行支付應用程式112以連接支付伺服器120時所執行的步驟。It should be noted thatsteps 220 and 230 are steps performed when the mobile device 110 executes thepayment application 112 to connect to thepayment server 120.

在步驟240中，當行動裝置110執行支付應用程式112，並透過支付應用程式112所綁定之銀行帳號或信用卡帳號進行交易後，其接收到該交易對應產生的電子發票，並依據銀行條碼將該電子發票傳送至銀行伺服器130對應儲存。更詳細地說，行動裝置110傳送該電子發票至銀行伺服器130時也會提供銀行條碼之資訊，使得銀行伺服器130可對應銀行條碼儲存該電子發票（由於銀行條碼對應身分證字號且具有唯一性，故銀行伺服器130可儲存其對應銀行之不同客戶的電子發票）。因此，行動裝置110執行網銀應用程式114連結銀行伺服器130後，行動裝置110的用戶可先藉由其先前透過網銀應用程式114註冊的會員資訊中之會員帳號及帳號密碼登入會員，再藉由網銀應用程式114的使用者介面查詢其具有的電子發票（即對應銀行條碼儲存的電子發票）。因此，用戶藉由行動裝置110執行網銀應用程式114後，除了可查詢到每一筆交易的交易金額以外，還可以查詢每一筆交易的購物明細（即電子發票上的相關資訊），方便進行支出管理。Instep 240, when the mobile device 110 executes thepayment application 112 and performs a transaction through the bank account or credit card account bound to thepayment application 112, it receives the electronic invoice generated corresponding to the transaction, and transfers it according to the bank barcode The electronic invoice is sent to the bank server 130 for corresponding storage. In more detail, when the mobile device 110 sends the electronic invoice to the bank server 130, it will also provide the information of the bank barcode, so that the bank server 130 can store the electronic invoice corresponding to the bank barcode (because the bank barcode corresponds to the ID number and has a unique Therefore, the bank server 130 can store the electronic invoices of different customers of the corresponding bank). Therefore, after the mobile device 110 runs the online banking application 114 to connect to the bank server 130, the user of the mobile device 110 can first log in to the member by using the member account and account password in the member information previously registered through the online banking application 114, and then use The user interface of the online banking application 114 inquires about the electronic invoice (that is, the electronic invoice stored in the corresponding bank barcode). Therefore, after the user executes the online banking application 114 through the mobile device 110, in addition to the transaction amount of each transaction, the user can also query the shopping details of each transaction (ie the relevant information on the electronic invoice), which is convenient for expenditure management. .

其中，電子發票上的相關資訊可包括但不限於發票日期、商家名稱、發票金額、電子發票號碼、至少一購物明細與支付種類，商家名稱係為開立電子發票的商家之名稱，商家可為電商或實體店家；支付種類可為但不限於金融扣款（即由銀行帳號扣款）或授權扣款（即由信用卡帳號扣款），支付種類還可顯示銀行帳號或信用卡帳號的後幾碼資訊。Among them, the relevant information on the electronic invoice may include, but is not limited to, invoice date, merchant name, invoice amount, electronic invoice number, at least one shopping detail and payment type. The merchant name is the name of the merchant that issued the electronic invoice, and the merchant can be E-commerce or physical stores; payment types can be, but not limited to, financial deductions (that is, deductions from bank accounts) or authorized deductions (that is, deductions from credit card accounts). Payment types can also display the last few days of the bank account or credit card account. Code information.

此外，上述之銀行帳號或信用卡帳號係可為對應銀行伺服器130的銀行所提供。也就是說，行動裝置110執行支付應用程式112，並透過支付應用程式112進行交易時，係利用銀行伺服器130對應的銀行所發行的信用卡或開設的帳戶進行付款。In addition, the aforementioned bank account or credit card account number may be provided by the bank corresponding to the bank server 130. In other words, when the mobile device 110 executes thepayment application 112 and performs transactions through thepayment application 112, the payment is made using a credit card issued by a bank corresponding to the bank server 130 or an opened account.

在本實施例中，銀行伺服器130可包括學習模組132與推薦模組134，學習模組132連接推薦模組134。學習模組132用以定期或不定期分析與統計對應銀行條碼儲存的多個電子發票之商家名稱，以輸出用戶的第一消費習慣資訊；推薦模組134用以依據用戶的第一消費習慣資訊尋找對應銀行伺服器的銀行是否有相對應的消費優惠資訊，若有，則透過通訊資料傳輸消費優惠資訊。更詳細地說，學習模組132可基於銀行條碼的唯一性定期或不定期分析與統計每一用戶（即銀行客戶）所具有的多個電子發票之商家名稱，取得每一用戶較常消費的商家之名稱（即第一消費習慣資訊）；推薦模組134依據每一用戶的第一消費習慣資訊尋找銀行伺服器130對應的銀行是否有相對應的消費優惠資訊，例如：現金回饋，若有，則透過通訊資料（即手機號碼或電子信箱）傳輸消費優惠資訊，以加深用戶與銀行之間的黏著度。In this embodiment, the bank server 130 may include a learning module 132 and arecommendation module 134, and the learning module 132 is connected to therecommendation module 134. The learning module 132 is used to periodically or irregularly analyze and count the merchant names of multiple electronic invoices stored in corresponding bank barcodes to output the user's first consumption habit information; therecommendation module 134 is used to base the user's first consumption habit information Find out whether the bank corresponding to the bank server has corresponding consumer preferential information, if so, transmit consumer preferential information through communication data. In more detail, the learning module 132 can periodically or irregularly analyze and count the merchant names of multiple electronic invoices owned by each user (ie, bank customer) based on the uniqueness of the bank barcode, and obtain the more frequently consumed information of each user. The name of the merchant (that is, the first consumption habit information); therecommendation module 134 finds whether the bank corresponding to the bank server 130 has corresponding consumption preferential information according to the first consumption habit information of each user, for example: cash rebate, if so , Transmit consumer preferential information through communication data (ie, mobile phone number or e-mail) to deepen the bond between the user and the bank.

此外，行動裝置110執行網銀應用程式114連接銀行伺服器130時，可供用戶設定銀行帳號的第一消費額度上限值或信用卡帳號的第二消費額度上限值。銀行伺服器130還可包括判斷模組136與推播模組138，判斷模組136連接推播模組138。判斷模組136可用以依據對應銀行條碼儲存的多個電子發票所包括之商家名稱、發票金額與支付種類取得銀行帳號的第一當前累計額度值以及信用卡帳號的第二當前累計額度值，並判斷第一當前累計額度值是否大於或等於第一消費額度上限值或者第二當前累計額度值是否大於或等於其第二消費額度上限值。當判斷模組136判斷第一當前累計額度值大於或等於第一消費額度上限值或者第二當前累計額度值大於或等於其第二消費額度上限值時，推播模組138可推播通知信息予行動裝置110顯示。In addition, when the mobile device 110 executes the online banking application 114 to connect to the bank server 130, the user can set the upper limit of the first consumption limit of the bank account or the upper limit of the second consumption limit of the credit card account. The bank server 130 may further include ajudgment module 136 and apush module 138, and thejudgment module 136 is connected to thepush module 138. Thejudgment module 136 can be used to obtain the first current cumulative limit value of the bank account number and the second current cumulative limit value of the credit card account number according to the merchant name, invoice amount, and payment type included in the multiple electronic invoices stored in the corresponding bank barcode, and determine Whether the first current cumulative quota value is greater than or equal to the first consumption quota upper limit value or whether the second current cumulative quota value is greater than or equal to its second consumption quota upper limit value. When thejudging module 136 judges that the first current cumulative quota value is greater than or equal to the first consumption quota upper limit or the second current cumulative quota value is greater than or equal to its second consumption quota upper limit, thepushing module 138 can push broadcast The notification information is displayed on the mobile device 110.

更詳細地說，由於步驟240所述之銀行帳號或信用卡帳號係可為對應銀行伺服器130的銀行所提供。因此，為了使行動裝置110的用戶可針對其需求進行支出的控管，行動裝置110的用戶可預先藉由網銀應用程式114設定其每一個月可透過銀行伺服器130對應的銀行所開設的銀行帳戶進行支出的額度（即第一消費額度上限值），透過銀行伺服器130對應的銀行所提供的信用卡帳號進行支出的額度（即第二消費額度上限值）；然後，判斷模組136可依據對應銀行條碼儲存的多個電子發票所包括之商家名稱、發票金額與支付種類取得銀行帳號的第一當前累計額度值以及信用卡帳號的第二當前累計額度值，即判斷模組136根據每一用戶所對應的該些電子發票取得當前透過銀行伺服器130對應的銀行所開設的銀行帳戶已支出的額度（即第一當前累計額度值）以及當前透過銀行伺服器130對應的銀行所提供的信用卡帳號已支出的額度（即第二當前累計額度值）；接著，判斷模組136可判斷第一當前累計額度值是否大於或等於第一消費額度上限值或者第二當前累計額度值是否大於或等於其第二消費額度上限值，即判斷模組136隨時判斷第一當前累計額度值與第二當前累計額度值是否超支。當判斷模組136判斷第一當前累計額度值大於或等於第一消費額度上限值或者第二當前累計額度值大於或等於其第二消費額度上限值（即表示超支）時，推播模組138可推播通知信息予行動裝置110顯示，以提醒用戶有超支的現象，進而協助用戶對其支出的控管。In more detail, the bank account or credit card account instep 240 can be provided by the bank corresponding to the bank server 130. Therefore, in order to enable users of the mobile device 110 to control expenditures according to their needs, the users of the mobile device 110 can pre-set via the online banking application 114 the bank they can open through the bank corresponding to the bank server 130 every month. The spending limit of the account (that is, the upper limit of the first consumption limit), the limit of spending through the credit card account provided by the bank corresponding to the bank server 130 (that is, the upper limit of the second consumption limit); then, thejudgment module 136 The first current cumulative limit value of the bank account and the second current cumulative limit value of the credit card account can be obtained according to the merchant name, invoice amount, and payment type included in multiple electronic invoices stored in the corresponding bank barcode. The electronic invoices corresponding to a user obtain the amount paid by the bank account currently opened by the bank corresponding to the bank server 130 (that is, the first current cumulative amount value) and the amount currently provided by the bank corresponding to the bank server 130 The credit card account has spent the amount (that is, the second current cumulative quota value); then, thejudgment module 136 can determine whether the first current cumulative quota value is greater than or equal to the upper limit of the first consumption quota or whether the second current cumulative quota value is greater than Or equal to the second upper limit of the consumption limit, that is, thejudgment module 136 judges at any time whether the first current cumulative limit value and the second current cumulative limit value are overspend. When the judgingmodule 136 judges that the first current cumulative quota value is greater than or equal to the first consumption quota upper limit or the second current cumulative quota value is greater than or equal to its second consumption quota upper limit (that is, it means overspending), the broadcast model is pushed Thegroup 138 can push notification information to the mobile device 110 to display it to remind the user that there is an overspending, thereby assisting the user in the control of their expenditure.

另外，銀行伺服器130更可包括評估模組139，用以定期分析與統計對應銀行條碼儲存的多個電子發票之商家名稱、發票金額與支付種類，以輸出用戶的第二消費習慣資訊；以及依據多個不同用戶的第二消費習慣資訊輸出評估報告。更詳細地說，評估模組139可基於銀行條碼的唯一性定期或不定期分析與統計每一用戶（即銀行客戶）所具有的多個電子發票之商家名稱、發票金額與支付種類，取得每一用戶消費次數較多與/或消費總金額較多的商家之名稱、較常使用銀行帳號或信用卡帳號進行支付以及消費次數較多與/或消費總金額較多的商家之支付種類（即第二消費習慣資訊）；接著，評估模組139可依據多個不同用戶的第二消費習慣資訊整理出整體用戶的消費習慣，以輸出評估報告，其中，評估報告可包括哪一商家的消費次數最多與/或哪一種支付種類最受歡迎，使得銀行伺服器130對應的銀行可依據評估報告推出相關優惠方案，加深用戶使用該銀行所提供的銀行帳號或信用卡帳號進行支付的忠誠度。In addition, the bank server 130 may further include anevaluation module 139 for periodically analyzing and counting the merchant name, invoice amount, and payment type of multiple electronic invoices stored in corresponding bank barcodes to output the user's second consumption habits information; and The evaluation report is output according to the second consumption habit information of a plurality of different users. In more detail, theevaluation module 139 can periodically or irregularly analyze and count the merchant name, invoice amount, and payment type of multiple electronic invoices owned by each user (ie, bank customer) based on the uniqueness of the bank barcode, and obtain each 1. The name of the merchant with the greater number of user consumptions and/or the greater total amount of consumption, the payment type of the merchant with the greater number of purchases and/or the greater total amount of consumption (i.e. the first 2. Consumption habit information); Next, theevaluation module 139 can sort out the overall user’s consumption habit based on the second consumption habit information of multiple different users to output an evaluation report, where the evaluation report may include which merchant has the most consumption times And/or which type of payment is the most popular, the bank corresponding to the bank server 130 can launch relevant preferential schemes based on the evaluation report, so as to deepen the loyalty of the user using the bank account or credit card account provided by the bank for payment.

再者，銀行伺服器130可將其儲存的多個電子發票之電子發票號碼與財政部所公布的統一發票中獎號碼進行比對，並串接自動兌獎服務，中獎時獎金直接匯入中獎的電子發票對應儲存的銀行條碼其所對應的用戶在銀行伺服器130對應的銀行中開立的銀行帳號。In addition, the bank server 130 can compare the electronic invoice numbers of multiple electronic invoices stored in it with the uniform invoice winning numbers announced by the Ministry of Finance, and connect it to the automatic reward redemption service. The invoice corresponds to the stored bank barcode and the corresponding user's bank account opened in the bank corresponding to the bank server 130.

綜上所述，可知本發明與先前技術之間的差異在於透過行動裝置執行支付應用程式連接支付伺服器，且接收並透過支付伺服器傳送用戶的身分證字號與通訊資料至銀行伺服器；銀行伺服器透過身分證字號與通訊資料驗證用戶的身分，並於驗證通過後產生對應身分證字號的銀行條碼，且透過支付伺服器傳送銀行條碼予行動裝置，以使支付應用程式紀錄銀行條碼；行動裝置執行支付應用程式進行交易後，接收到交易對應產生的電子發票，並依據銀行條碼將電子發票傳送至銀行伺服器對應儲存，以使行動裝置執行網銀應用程式連接銀行伺服器後查詢對應銀行條碼儲存的電子發票，藉由此一技術手段可以解決先前技術所存在的問題，進而可使用戶藉由行動裝置執行網銀應用程式後，除了可查詢到每一筆交易的交易金額以外，還可以查詢每一筆交易的購物明細（即電子發票上的相關資訊），方便進行支出管理。In summary, it can be seen that the difference between the present invention and the prior art is that the payment application program is executed through the mobile device to connect to the payment server, and the user's ID number and communication data are received and sent to the bank server through the payment server; The server verifies the identity of the user through the ID number and communication data, and generates a bank barcode corresponding to the ID number after the verification is passed, and sends the bank barcode to the mobile device through the payment server, so that the payment application can record the bank barcode; After the device executes the payment application to perform the transaction, it receives the electronic invoice generated by the transaction, and sends the electronic invoice to the bank server for corresponding storage based on the bank barcode, so that the mobile device executes the online banking application and connects to the bank server to query the corresponding bank barcode The stored electronic invoices can be solved by this technical means to solve the problems of the previous technology, so that users can inquire about the transaction amount of each transaction in addition to the transaction amount of each transaction after the user executes the online banking application through the mobile device. The shopping details of a transaction (that is, the relevant information on the electronic invoice) to facilitate expenditure management.

雖然本發明以前述之實施例揭露如上，然其並非用以限定本發明，任何熟習相像技藝者，在不脫離本發明之精神和範圍內，當可作些許之更動與潤飾，因此本發明之專利保護範圍須視本說明書所附之申請專利範圍所界定者為準。Although the present invention is disclosed in the foregoing embodiments as above, it is not intended to limit the present invention. Anyone familiar with similar art can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the present invention The scope of patent protection shall be determined by the scope of the patent application attached to this specification.

100:電子發票整合系統110:行動裝置112:支付應用程式114:網銀應用程式120:支付伺服器130:銀行伺服器132:學習模組134:推薦模組136:判斷模組138:推播模組139:評估模組步驟210:提供電子發票整合系統，其包括：行動裝置、支付伺服器與銀行伺服器，行動裝置安裝有支付應用程式與網銀應用程式，支付伺服器連接銀行伺服器步驟220:行動裝置執行支付應用程式以連接支付伺服器，接收載具授權請求，並透過支付伺服器傳送載具授權請求至銀行伺服器，其中，載具授權請求包括用戶的身分證字號與通訊資料步驟230:銀行伺服器透過身分證字號與通訊資料驗證用戶的身分，並於驗證通過後產生對應身分證字號的銀行條碼，且透過支付伺服器傳送銀行條碼予行動裝置，以使支付應用程式紀錄銀行條碼步驟240:行動裝置執行支付應用程式，並透過支付應用程式所綁定之銀行帳號或信用卡帳號進行交易後，其接收到該交易對應產生的電子發票，並依據銀行條碼將電子發票傳送至銀行伺服器對應儲存，以供行動裝置執行網銀應用程式連接銀行伺服器後查詢對應銀行條碼儲存的電子發票100: Electronic invoice integration system110: mobile device112: Payment application114: Online Banking Application120: payment server130: Bank Server132: Learning Module134: Recommended Module136: Judgment Module138: Push Broadcast Module139: Evaluation ModuleStep 210: Provide an electronic invoice integration system, which includes: a mobile device, a payment server and a bank server. The mobile device is equipped with a payment application and an online banking application, and the payment server is connected to the bank serverStep 220: The mobile device executes the payment application to connect to the payment server, receives the carrier authorization request, and sends the carrier authorization request to the bank server through the payment server, where the carrier authorization request includes the user's ID number and communication materialStep 230: The bank server verifies the user's identity through the ID number and communication data, and generates a bank barcode corresponding to the ID number after the verification is passed, and sends the bank barcode to the mobile device through the payment server, so that the payment application can record Bank barcodeStep 240: After the mobile device executes the payment application and performs a transaction through the bank account or credit card account bound to the payment application, it receives the electronic invoice generated corresponding to the transaction, and sends the electronic invoice to the bank server according to the bank barcode Store corresponding to the bank, so that the mobile device can run the online banking application and connect to the bank server to query the electronic invoice stored in the corresponding bank barcode

第1圖為本發明電子發票整合系統之一實施例方塊示意圖。第2圖為第1圖的電子發票整合系統的實施方法之一實施例方法流程圖。Figure 1 is a block diagram of an embodiment of the electronic invoice integration system of the present invention.Figure 2 is a flowchart of one embodiment of the implementation method of the electronic invoice integration system shown in Figure 1.

100:電子發票整合系統100: Electronic invoice integration system

110:行動裝置110: mobile device

112:支付應用程式112: Payment application

114:網銀應用程式114: Online Banking Application

120:支付伺服器120: payment server

130:銀行伺服器130: Bank Server

132:學習模組132: Learning Module

134:推薦模組134: Recommended Module

136:判斷模組136: Judgment Module

138:推播模組138: Push Broadcast Module

139:評估模組139: Evaluation Module

Claims (10)

Translated fromChinese

一種電子發票整合系統，其包括：一支付伺服器；一行動裝置，安裝有一支付應用程式與一網銀應用程式，用以執行該支付應用程式以連接該支付伺服器，接收一載具授權請求，並透過該支付伺服器傳送該載具授權請求至一銀行伺服器，其中，該載具授權請求包括一用戶的一身分證字號與一通訊資料；以及該銀行伺服器，連接該支付伺服器，用以透過該身分證字號與該通訊資料驗證該用戶的身分，並於驗證通過後產生對應該身分證字號的一銀行條碼，且透過該支付伺服器傳送該銀行條碼予該行動裝置，以使該支付應用程式紀錄該銀行條碼；其中，該行動裝置執行該支付應用程式，並透過該支付應用程式所綁定之一銀行帳號或一信用卡帳號進行一交易後，其接收到該交易對應產生的一電子發票，並依據該銀行條碼將該電子發票傳送至該銀行伺服器對應儲存，以供該行動裝置執行該網銀應用程式連接該銀行伺服器後查詢對應該銀行條碼儲存的該電子發票。An electronic invoice integration system, which includes:A payment server;A mobile device installed with a payment application and an online banking application, used to execute the payment application to connect to the payment server, receive a carrier authorization request, and send the carrier authorization request to a carrier through the payment server A bank server, wherein the vehicle authorization request includes a user's ID number and communication data; andThe bank server is connected to the payment server to verify the identity of the user through the ID number and the communication data, and after the verification is passed, a bank barcode corresponding to the ID number is generated, and through the payment server Send the bank barcode to the mobile device so that the payment application can record the bank barcode;Wherein, after the mobile device executes the payment application and performs a transaction through a bank account or a credit card account bound to the payment application, it receives an electronic invoice generated corresponding to the transaction, and based on the bank barcode The electronic invoice is sent to the bank server for corresponding storage, so that the mobile device can execute the online banking application and connect to the bank server to query the electronic invoice stored in the corresponding bank barcode.如請求項1所述之電子發票整合系統，其中，該電子發票包括一商家名稱，該銀行伺服器包括一學習模組與一推薦模組，該學習模組連接該推薦模組，該學習模組用以定期或不定期分析與統計對應該銀行條碼儲存的多個該電子發票之該商家名稱，以輸出該用戶的一第一消費習慣資訊；該推薦模組用以依據該用戶的該第一消費習慣資訊尋找對應該銀行伺服器的一銀行是否有相對應的一消費優惠資訊，若有，則透過該通訊資料傳輸該消費優惠資訊。The electronic invoice integration system according to claim 1, wherein the electronic invoice includes a merchant name, the bank server includes a learning module and a recommendation module, the learning module is connected to the recommendation module, and the learning module The group is used to periodically or irregularly analyze and count the business name of a plurality of the electronic invoices stored in the bank barcode to output a first consumption habit information of the user; the recommendation module is used to analyze and count the first consumption habits of the user according to the user’s A consumer habit information searches whether a bank corresponding to the bank server has a corresponding consumer preferential information, and if so, the consumer preferential information is transmitted through the communication data.如請求項1所述之電子發票整合系統，其中，該銀行帳號或該信用卡帳號係為對應該銀行伺服器的一銀行所提供。The electronic invoice integration system according to claim 1, wherein the bank account number or the credit card account number is provided by a bank corresponding to the bank server.如請求項3所述之電子發票整合系統，其中，該電子發票包括一商家名稱、一發票金額與一支付種類，該行動裝置執行該網銀應用程式，以設定該銀行帳號的一第一消費額度上限值或該信用卡帳號的一第二消費額度上限值；該銀行伺服器包括一判斷模組與一推播模組，該判斷模組連接該推播模組，該判斷模組用以依據對應該銀行條碼儲存的多個該電子發票所包括之該商家名稱、該發票金額與該支付種類取得該銀行帳號的一第一當前累計額度值以及該信用卡帳號的一第二當前累計額度值，並判斷該第一當前累計額度值是否大於或等於該第一消費額度上限值或者該第二當前累計額度值是否大於或等於其該第二消費額度上限值；該推播模組用以當該判斷模組判斷該第一當前累計額度值大於或等於該第一消費額度上限值或者該第二當前累計額度值大於或等於其該第二消費額度上限值時，推播一通知信息予該行動裝置顯示。The electronic invoice integration system according to claim 3, wherein the electronic invoice includes a merchant name, an invoice amount, and a payment type, and the mobile device executes the online banking application to set a first spending limit of the bank account The upper limit value or the upper limit value of a second consumption limit of the credit card account; the bank server includes a judgment module and a push module, the judgment module is connected to the push module, and the judgment module is used for Obtain a first current cumulative limit value of the bank account and a second current cumulative limit value of the credit card account based on the merchant name, the invoice amount, and the payment type included in the multiple electronic invoices stored in the corresponding bank barcode , And determine whether the first current cumulative quota value is greater than or equal to the upper limit of the first consumption quota or whether the second current cumulative quota value is greater than or equal to the upper limit of the second consumption quota; the push module uses When the judgment module judges that the first current cumulative quota value is greater than or equal to the upper limit of the first consumption quota or the second current cumulative quota value is greater than or equal to the upper limit of the second consumption quota, push a The notification information is displayed to the mobile device.如請求項3所述之電子發票整合系統，其中，該電子發票包括一商家名稱、一發票金額與一支付種類，該銀行伺服器包括一評估模組，用以定期分析與統計對應該銀行條碼儲存的多個該電子發票之該商家名稱、該發票金額與該支付種類，以輸出該用戶的一第二消費習慣資訊；以及依據多個不同用戶的該第二消費習慣資訊輸出一評估報告。The electronic invoice integration system according to claim 3, wherein the electronic invoice includes a merchant name, an invoice amount and a payment type, and the bank server includes an evaluation module for regular analysis and statistics corresponding to the bank barcode The merchant name, the invoice amount and the payment type of a plurality of electronic invoices are stored to output a second consumption habit information of the user; and an evaluation report is output according to the second consumption habit information of a plurality of different users.一種電子發票整合系統的實施方法，包括以下步驟：提供一電子發票整合系統，其包括：一行動裝置、一支付伺服器與一銀行伺服器，該行動裝置安裝有一支付應用程式與一網銀應用程式，該支付伺服器連接該銀行伺服器；該行動裝置執行該支付應用程式以連接該支付伺服器，接收一載具授權請求，並透過該支付伺服器傳送該載具授權請求至該銀行伺服器，其中，該載具授權請求包括一用戶的一身分證字號與一通訊資料；該銀行伺服器透過該身分證字號與該通訊資料驗證該用戶的身分，並於驗證通過後產生對應該身分證字號的一銀行條碼，且透過該支付伺服器傳送該銀行條碼予該行動裝置，以使該支付應用程式紀錄該銀行條碼；以及該行動裝置執行該支付應用程式，並透過該支付應用程式所綁定之一銀行帳號或一信用卡帳號進行一交易後，其接收到該交易對應產生的一電子發票，並依據該銀行條碼將該電子發票傳送至該銀行伺服器對應儲存，以供該行動裝置執行該網銀應用程式連接該銀行伺服器後查詢對應該銀行條碼儲存的該電子發票。An implementation method of an electronic invoice integration system includes the following steps:Provide an electronic invoice integration system, which includes: a mobile device, a payment server and a bank server, the mobile device is installed with a payment application and an online banking application, the payment server is connected to the bank server;The mobile device executes the payment application to connect to the payment server, receives a vehicle authorization request, and transmits the vehicle authorization request to the bank server through the payment server, wherein the vehicle authorization request includes a user One ID number and one communication data;The bank server verifies the identity of the user through the ID number and the communication data, and generates a bank barcode corresponding to the ID number after the verification is passed, and sends the bank barcode to the mobile device through the payment server, So that the payment application can record the bank barcode; andAfter the mobile device executes the payment application and performs a transaction through a bank account or a credit card account bound to the payment application, it receives an electronic invoice generated corresponding to the transaction, and transfers it according to the bank barcode. The electronic invoice is sent to the bank server for corresponding storage, so that the mobile device can execute the online banking application and connect to the bank server to query the electronic invoice stored in the bank's barcode.如請求項6所述之電子發票整合系統的實施方法，其中，該銀行伺服器包括一學習模組與一推薦模組，該電子發票包括一商家名稱，該電子發票整合系統的實施方法還包括以下步驟：該學習模組定期或不定期分析與統計對應該銀行條碼儲存的多個該電子發票之該商家名稱，以輸出該用戶的一第一消費習慣資訊；以及該推薦模組依據該用戶的該第一消費習慣資訊尋找對應該銀行伺服器的一銀行是否有相對應的一消費優惠資訊，若有，則透過該通訊資料傳輸該消費優惠資訊。The implementation method of the electronic invoice integration system according to claim 6, wherein the bank server includes a learning module and a recommendation module, the electronic invoice includes a merchant name, and the implementation method of the electronic invoice integration system further includes The following steps:The learning module regularly or irregularly analyzes and counts the names of the merchants corresponding to the electronic invoices stored in the bank barcode to output a first consumption habit information of the user; andThe recommendation module finds whether a bank corresponding to the bank server has corresponding consumer preferential information according to the first consumer habit information of the user, and if so, transmits the consumer preferential information through the communication data.如請求項6所述之電子發票整合系統的實施方法，其中，該銀行帳號或該信用卡帳號係為對應該銀行伺服器的一銀行所提供。The method for implementing the electronic invoice integration system according to claim 6, wherein the bank account number or the credit card account number is provided by a bank corresponding to the bank server.如請求項8所述之電子發票整合系統的實施方法，其中，該銀行伺服器包括一判斷模組與一推播模組，該電子發票包括一商家名稱、一發票金額與一支付種類，該電子發票整合系統的實施方法還包括以下步驟：該行動裝置執行該網銀應用程式，以供該用戶設定該銀行帳號的一第一消費額度上限值或該信用卡帳號的一第二消費額度上限值；該判斷模組依據對應該銀行條碼儲存的多個該電子發票所包括之該商家名稱、該發票金額與該支付種類取得該銀行帳號的一第一當前累計額度值以及該信用卡帳號的一第二當前累計額度值，並判斷該第一當前累計額度值是否大於或等於該第一消費額度上限值或者該第二當前累計額度值是否大於或等於其該第二消費額度上限值；以及當該判斷模組判斷該第一當前累計額度值大於或等於該第一消費額度上限值或者該第二當前累計額度值大於或等於其該第二消費額度上限值時，該推播模組推播一通知信息予該行動裝置顯示。The implementation method of the electronic invoice integration system according to claim 8, wherein the bank server includes a judgment module and a push module, the electronic invoice includes a merchant name, an invoice amount and a payment type, and The implementation method of the electronic invoice integration system also includes the following steps:The mobile device executes the online banking application for the user to set a first upper limit of spending limit of the bank account or a second upper limit of spending limit of the credit card account;The judgment module obtains a first current cumulative limit value of the bank account and a second value of the credit card account based on the merchant name, the invoice amount, and the payment type included in the plurality of electronic invoices stored corresponding to the bank barcode. The current cumulative quota value, and determine whether the first current cumulative quota value is greater than or equal to the first consumption quota upper limit value or the second current cumulative quota value is greater than or equal to the second consumption quota upper limit value; andWhen the judgment module judges that the first current cumulative quota value is greater than or equal to the upper limit of the first consumption quota or the second current cumulative quota value is greater than or equal to the upper limit of the second consumption quota, the push broadcast model The group pushes a notification message to display to the mobile device.如請求項8所述之電子發票整合系統的實施方法，其中， 該銀行伺服器包括一評估模組，該電子發票包括一商家名稱、一發票金額與一支付種類，該電子發票整合系統的實施方法還包括以下步驟：該評估模組定期分析與統計對應該銀行條碼儲存的多個該電子發票之該商家名稱、該發票金額與該支付種類，以輸出該用戶的一第二消費習慣資訊；以及該評估模組依據多個不同用戶的該第二消費習慣資訊輸出一評估報告。The implementation method of the electronic invoice integration system according to claim 8, wherein the bank server includes an evaluation module, the electronic invoice includes a merchant name, an invoice amount, and a payment type, and the implementation of the electronic invoice integration system The method also includes the following steps:The evaluation module regularly analyzes and counts the merchant name, the invoice amount, and the payment type of the multiple electronic invoices stored in the bank barcode to output a second consumption habit information of the user; andThe evaluation module outputs an evaluation report according to the second consumption habit information of a plurality of different users.

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