TWM636545U - Credit card bill checking system - Google Patents

Abstract

A credit card bill checking system includes a credit card bill checking device and a bill database. The bill database stores a plurality of credit card bill data and a plurality of cardholders' security passwords. The credit card bill checking device captures a credit card image and recognizes the credit card image to identify a textual information of the credit card. According to the text information and a user password, a corresponding billing data of a credit card is retrieved from the bill database.

Description

Credit card statement review system

The present disclosure relates to a bill checking system, in particular to a credit card bill checking system.

Most people now have financial cards, and there may be many. Traditionally, when receiving a bank card bill and making online payment, the recipient must enter the bill number, bill amount and other information before making the payment, because the bill number may be a string of English It may be difficult to enter the combination of numbers, numbers and symbols, or the person who received the bill lost the bill and cannot know the bill number and amount, or the person who received the bill just did not bring it when he wanted to pay online. If there is no bill, it will be impossible to know the bill number because there is no bill, which will cause the recipient of the bill to be unable to pay.

Therefore, how to lower the threshold for querying bills while taking security into account is really what people in the field think about.

One implementation aspect of this case is to provide a credit card bill checking system, including: a credit card bill checking device; and a bill database connected to the credit card bill checking device in a wireless or wired manner through an Internet, wherein The billing database stores multiple credit card billing data and security codes of multiple credit card holders, wherein the credit card bill checking device is used to capture a credit card image and identify the credit card image to Recognizing a text message of the credit card, and comparing the bill database with the text message and a user password to retrieve a corresponding credit card billing data.

In some embodiments, the credit card statement checking device further includes an image capture unit, wherein the image capture unit is used to capture an image of a credit card to generate the image of the credit card.

In some embodiments, the credit card statement checking device further includes an image recognition unit coupled to the image capture unit for receiving the credit card image to recognize the text information.

In some embodiments, the image recognition unit recognizes the text information recorded on the credit card image through an optical character recognition method.

In some embodiments, the text information includes a cardholder's name of the credit card, a credit card number of the credit card, and an expiration date of the credit card.

In some embodiments, the credit card statement checking device further includes an image comparison unit coupled to the image recognition unit to receive the text information, and compare the plurality of credit card statements in the bill database according to the text information. bill data to search for a corresponding credit card bill data that is the same as the text information.

In some embodiments, the corresponding credit card billing information that is the same as the text information is the same as a cardholder's name, a credit card number, and a validity period in the credit card image.

In some embodiments, the credit card statement checking device further includes a security control unit coupled to the image comparison unit, wherein the security control unit is used to receive the user password to determine whether to output the corresponding credit card statement data to the user.

In some embodiments, the security control unit outputs the corresponding credit card billing data to the user only when the user password is consistent with the corresponding security code stored in the billing database. By.

In some embodiments, the credit card statement checking device is an application program installed in a user's computer or a mobile device.

Therefore, according to the technical content of this case, this case provides users with taking photos to capture credit card images, and identifying the credit card image to retrieve the cardholder’s name, credit card number and valid period recorded in the credit card image, and compare the The security control password entered by the cardholder is compared, and when the security control password entered is consistent with the security control password recorded in the billing database, the credit card statement is output to the user's computer or mobile device to display the credit card statement, Can simplify customer operation process.

The following will clearly illustrate the spirit of this case with diagrams and detailed descriptions. Anyone with ordinary knowledge in the technical field can change and modify the technology taught in this case after understanding the embodiment of this case. It does not depart from the spirit of this case. Spirit and scope.

The terminology used herein is for the purpose of describing particular embodiments only, and is not intended to be limiting of the present case. Singular forms such as "a", "the", "the", "this" and "the", as used herein, also include plural forms.

As used herein, "coupling" or "connection" can refer to two or more elements or devices that are in direct physical contact with each other, or that are in indirect physical contact with each other, or that two or more elements or devices are in physical contact with each other. operation or action.

"Includes", "including", "has", "containing" and so on used in this article are all open terms, meaning including but not limited to.

As used herein, "and/or" refers to any or all combinations of the above things.

Regarding the terms (terms) used in this article, unless otherwise specified, generally have the ordinary meaning of each term used in this field, in the content of this case and in the special content. Certain terms used to describe the subject matter are discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance in describing the subject matter.

Please refer to Fig. 1, which is a schematic diagram of a credit card statement checking system according to an embodiment of the present invention. In Fig. 1, according to an embodiment of the present invention, a credit card bill checking system 10 that can automatically identify personal data and provide a corresponding credit card bill according to the identification result is provided. The credit card statement checking system 10 includes a credit card statement checking device 100 and a bill database 200 . In one embodiment, the credit card statement checking device 100 and the statement database 200 are connected wirelessly through the Internet 300 . The billing database 200 stores multiple credit card billing data and security passwords of multiple credit card holders. Wherein, each billing information at least records the name of the credit card holder corresponding to the bill, the credit card number and the valid period of the credit card. The security password of each credit card holder can be a personal password set by the credit card holder himself, such as a magnetic stripe password that is required to be input by the user when swiping the card. The credit card bill checking device 100 is an application program installed in a user's computer or mobile device for the user to check credit card bills stored in the billing database 200 through the Internet 300 in real time. In one embodiment, the computer can be a desktop computer or a notebook computer. The mobile device can be a smart phone, a tablet computer or a smart watch.

FIG. 2 is a schematic diagram of a credit card statement checking device according to an embodiment of the present invention. In one embodiment, the credit card statement checking device 100 includes an image capture unit 110 , an image recognition unit 120 and an image comparison unit 130 . The image capture unit 110 , the image recognition unit 120 and the image comparison unit 130 are coupled to each other. The image capture unit 110 is a camera element for capturing images. In one embodiment, the capture unit 110 is a camera lens or an optical camera group installed on a computer or a mobile device, which may be a charge coupled device (CCD) or a complementary metal oxide semiconductor (Complementary Metal-Oxide) Semiconductor, CMOS) formed. Wherein, the image capturing unit 110 is used for capturing an image of a credit card to generate a credit card image. In one embodiment, the front image of the credit card is image-captured, and the front of the credit card is recorded with the name of the cardholder, the credit card number and the validity period. The credit card image can be a two-dimensional digital image or image, and the credit card image format is an image format that can be read or written by a computer again. The credit card image can be in raster image format (BMP, GIF, JEPG or PNG, etc.), vector image format (such as WMF or SVG, etc.) or any combination thereof.

The image recognition unit 120 is used to communicate with the image capture unit 110 to receive the image of the credit card captured by the image capture unit 110, and recognize the image of the credit card to output the corresponding text information recorded on the image of the credit card. Wherein, according to an embodiment, the image recognition unit 120 uses optical character recognition (OCR) to recognize corresponding characters recorded on the credit card image. In one embodiment, the name of the cardholder, the credit card number and the validity period recorded in the credit card image are identified by extracting the feature value of the corresponding text recorded on the credit card image.

The image comparison unit 130 is used to communicate with the image recognition unit 120 to receive the text information recognized by the image recognition unit 120, including the cardholder's name, credit card number and valid period, and compare the bill according to the received text information Whether there is a credit card bill with the same text information in the database 200, so as to search for the corresponding credit card bill. Wherein when one of the credit card bills in the billing database 200 contains the same text information, that is, the same as the cardholder's name, credit card number and valid period recorded in the credit card image, the image comparison unit 130 will immediately The credit card statement is retrieved from the statement database 200 and output to the user's computer or mobile device for the user to review.

In one embodiment, the present application further includes a security control unit 140 for communicating with the image comparison unit 130 . The security control unit 140 is used to receive a user password to determine whether to output the credit card statement to the user's computer or mobile device for the user to check. In one embodiment, the security control unit 140 may require the credit card holder to enter a security control password to match the text information in one of the credit card bills in the billing database 200 after the image comparison unit 130 compares the same text information. The security code of the credit card holder recorded in the billing database 200 is compared, and only when the input security code is consistent with the security code recorded in the billing database 200, the credit card bill is output to the user available for users to review on their computers or mobile devices.

FIG. 3 is a schematic diagram of a credit card statement review process according to an embodiment of the present invention. Firstly, in the bill review process 30, in step 310, a credit card image is captured. In one embodiment, the image capture unit 110 is used to capture an image of a credit card to generate a credit card image. Next, in step 320, image recognition is performed on the credit card image to identify the corresponding text information recorded. In one embodiment, the image recognition unit 120 uses optical character recognition (OCR) to recognize the text information recorded on the credit card image. In one embodiment, the name of the cardholder, the credit card number and the validity period recorded in the credit card image are identified by extracting the feature value of the corresponding text recorded on the credit card image. Next, in step 330, it is judged whether the security code input by the credit card holder is correct. In one embodiment, the security control unit 140 is configured to receive a user password for comparison with the security password of the credit card holder recorded in the billing database 200 . And in step 340, when the input security code is consistent with the security code recorded in the bill database 200, the credit card bill is output to the user's computer or mobile device for the user to check. And when the security control password entered is inconsistent with the security control password recorded in the bill database 200 , the credit card bill is not output, and step 310 is executed again.

Accordingly, this case provides the user with taking pictures to capture the credit card image, and identifying the credit card image to retrieve the cardholder’s name, credit card number, and expiration date recorded in the credit card image, and compare the security information entered by the cardholder. control password, and when the security control password entered is consistent with the security control password recorded in the billing database, the credit card statement is output to the user's computer or mobile device to display the credit card statement, which can simplify the customer's operation process .

Although this case is disclosed as above with the embodiment, it is not used to limit this case. Anyone who is familiar with this technology can make various changes and modifications without departing from the spirit and scope of this case. Therefore, the scope of protection of this case should be regarded as attached The scope of the patent application shall prevail.

10: Credit card bill checking system 30: Bill review process 100: Credit card statement checking device 110: image capture unit 120: Image recognition unit 130: Image comparison unit 140: Security control unit 200:Billing database 300:Internet 310-340: Steps

The accompanying drawings here are incorporated into the specification and constitute a part of the specification. These drawings show the embodiments conforming to the present invention, and are used together with the description to explain the technical solutions of the embodiments of the present disclosure. FIG. 1 is a schematic diagram of a credit card statement checking system according to an embodiment of the present invention. FIG. 2 is a schematic diagram of a credit card statement checking device according to an embodiment of the present invention. FIG. 3 is a schematic diagram of a credit card statement review process according to an embodiment of the present invention.

10: Credit card bill checking system

100: Credit card statement checking device

200:Billing database

300:Internet

Claims (10)

A credit card statement checking system, comprising: A credit card statement checking device; and A billing database, connected to the credit card bill checking device through an Internet in a wireless or wired manner, The billing database stores multiple credit card billing data and security passwords of multiple credit card holders, Wherein the credit card statement checking device is used to capture a credit card image, and identify the credit card image to identify a text information of the credit card, and compare the bill database according to the text information and a user password , to retrieve a corresponding credit card billing data. The credit card statement checking system as described in Claim 1, wherein the credit card statement checking device further includes an image capture unit, wherein the image capture unit is used to capture an image of a credit card to generate the credit card image. The credit card statement checking system as described in Claim 2, wherein the credit card statement checking device further includes an image recognition unit coupled to the image capture unit for receiving the credit card image to identify the text information. The credit card statement checking system as described in claim 3, wherein the image recognition unit uses an optical character recognition method to recognize the text information recorded on the credit card image. The credit card statement checking system as described in Claim 4, wherein the text information includes a cardholder's name of the credit card, the credit card number of the credit card, and the valid period of the credit card. The credit card statement checking system as described in claim 3, wherein the credit card statement checking device further includes an image comparison unit coupled to the image recognition unit to receive the text information, and compare the bill according to the text information The plurality of credit card billing data in the database to search for a corresponding credit card billing data having the same text information. The credit card bill checking system as described in Claim 6, wherein the corresponding credit card bill data that is the same as the text information is the same as a cardholder's name, a credit card number, and a valid period in the credit card image. The credit card statement checking system as described in claim 6, wherein the credit card statement checking device further includes a security control unit coupled to the image comparison unit, wherein the security control unit is used to receive the user password to determine whether Output the corresponding credit card billing data to the user. The credit card bill checking system as described in claim 8, wherein the security control unit will only use the corresponding security control password when the user password and the corresponding credit card bill data are stored in the bill database. The corresponding credit card billing data is output to the user. The credit card statement checking system as described in Claim 1, wherein the credit card statement checking device is an application program installed in a user's computer or a mobile device.

Images