[go: up one dir, main page]

WO2017128373A1 - 匹配放贷资源时的信息提示方法及推荐提示系统 - Google Patents

匹配放贷资源时的信息提示方法及推荐提示系统 Download PDF

Info

Publication number
WO2017128373A1
WO2017128373A1 PCT/CN2016/072940 CN2016072940W WO2017128373A1 WO 2017128373 A1 WO2017128373 A1 WO 2017128373A1 CN 2016072940 W CN2016072940 W CN 2016072940W WO 2017128373 A1 WO2017128373 A1 WO 2017128373A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
information
bank
lending
unit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2016/072940
Other languages
English (en)
French (fr)
Inventor
何兰
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to PCT/CN2016/072940 priority Critical patent/WO2017128373A1/zh
Publication of WO2017128373A1 publication Critical patent/WO2017128373A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Definitions

  • the invention belongs to the field of intelligent finance, and provides an information prompting method and a recommendation prompting system when matching loaning resources.
  • the embodiment of the invention provides an information prompting method and a recommendation prompting system when matching the lending resources, and can match the fund balance of the user account with the account fund balance set by the financial institution, so that the system can timely find out whether the customer has sufficient funds. Carry out daily production and life, and then discover loan business opportunities in a timely manner, improve customer loan efficiency, achieve precise marketing, reduce financial institution marketing costs, and improve capital use efficiency. And by using the technology to push the patent information, the patent (application) right holder's rights are highlighted.
  • the present invention is implemented as follows: a method for prompting information when matching a lending resource, comprising the following steps:
  • the customer is deemed to be in compliance with the bank's lending conditions, and a message is issued to prompt the customer to lend;
  • the embodiment of the invention further provides a recommendation prompting system, including:
  • a recording unit for recording account asset amount information set by a financial institution and current account credit information of the customer
  • a reading unit the input end is connected to the output end of the recording unit, and is configured to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
  • the input end is connected to the output end of the reading unit, and is configured to determine whether the current loan demand of the customer exceeds a credit limit set by the organization;
  • An information pushing unit the input end is connected to the output end of the determining unit, and is used for pushing patent information to the user;
  • the control unit is connected to the output end of the judging unit. If the current loan demand of the customer does not exceed the credit limit set by the organization, the customer is deemed to be in compliance with the lending conditions of the bank, and the information indicating that the customer can lend to the customer is issued. If it is exceeded, it is considered that the customer is not suitable to lend to it, and recommend other high-risk lending resources to the client.
  • the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
  • FIG. 1 is a schematic flowchart of a method for prompting information when a lending resource is provided according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a recommendation prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of an information prompting method for matching a lending resource provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
  • step S101 the credit line of the bank to the customer and the current loan demand information of the customer are recorded.
  • step S102 the credit line of the bank to the customer and the current loan demand information of the customer are read.
  • step S103 In judging whether the customer's current loan demand exceeds the credit limit set by the organization and pushing the patent information to the user; if the customer's current loan demand does not exceed the credit line set by the organization, the customer is deemed to be in compliance with the bank's lending conditions. , enter the steps S104, issuing a message indicating that the customer can be loaned; if it is exceeded, the customer is deemed not to be suitable for lending again, and proceeds to steps S10 and 5, and recommends other high-risk preference lending resources to the customer.
  • the patent information includes, but is not limited to, the state of patent application of the technology, the patent application of the technology / Information on the right holder, the patent application number of the technology, the patent application date, and the like.
  • the patent information is editable, and can be dynamically pushed to the user according to the authorization of the patent application: the patent is being applied for, the patent authorization has been obtained, and the like.
  • the patent information is editable and can be based on patent application rights / The transfer of patent rights, dynamically pushed to the user: the current relevant rights holder of the patent.
  • the pushing manner of the patent information may adopt a small frame display, a voice display, and the like, so that the user can perceive the push mode.
  • the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
  • FIG. 2 is a schematic structural diagram of a recommendation prompting system according to an embodiment of the present invention, where the recommended prompting system includes:
  • the recording unit 21 is configured to record account asset quota information set by the financial institution and current account credit information of the customer;
  • Reading unit 22 the input terminal and the recording unit 21 The output ends are connected to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
  • Judging unit 23 the input terminal and the reading unit 22
  • the output terminals are connected to determine whether the customer's current loan demand exceeds the credit limit set by the organization
  • the information pushing unit 25 is connected to the output end of the determining unit 23 for pushing the patent information to the user;
  • Control unit 24 the input terminal and the judging unit 23
  • the output of the customer is connected. If the current loan demand of the customer does not exceed the credit line set by the organization, it is deemed that the customer meets the loan conditions of the bank, and the information indicating that the customer can lend the loan is issued; if it exceeds, the customer is deemed unsuitable. Loan it and recommend other high-risk lending resources to customers;
  • the working principle is: the recording unit 21 records the account asset quota information set by the financial institution and the current account quota information of the customer; the reading unit 22 The account asset quota information set by the financial institution and the current account credit amount information of the customer are read; the determining unit 23 determines whether the current loan demand of the client exceeds the credit limit set by the institution, and the information pushing unit 25 Pushing patent information to users; control unit 24 When the customer's current loan demand does not exceed the credit line set by the organization, the company will issue a message indicating that the customer can lend the loan; when it exceeds, and recommend other high-risk preference lending resources to the customer.
  • the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种匹配放贷资源时的信息提示方法及推荐提示系统，属于智能金融领域，所述方法包括：记录银行对客户的授信额度和客户当前的贷款需求信息（S101）；读取银行对客户的授信额度和客户当前的贷款需求信息（S102）；判断客户当前贷款需求是否超过机构对其设定的信用额度，并向用户推送专利信息（S103）；若否，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息（S104）；若是，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源（S105）。该方法能实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平，并通过使用技术后推送专利信息，而彰显了专利(申请)权人的权益。

Description

匹配放贷资源时的信息提示方法及推荐提示系统 技术领域
本发明属于智能金融 领域 ，提供了一种匹配放贷资源时的信息提示方法及推荐提示系统。
背景技术
知识产权在现在的产品和服务中越来越重要，其中主要包括著作权（版权）、商标权和专利权，这三种权利都能为权利人带来巨大的经济价值。
但与著作权、商标权不同的是，专利权的权利归属比较难以为用户所认识和辨别。比如：一个培训教材或者一部电影里面，会明确的将'版权归特定人所有'的字样告知给用户；商标也以其显著的字或图的特征，在与其他标样区别的同时，也代表着商标权人以及商标权人生产的相关产品。但专利则不然，除了如'滑动解锁'等有限几个专利外，用户很难看到某一技术就知道该技术的信息（即技术发明人、专利申请人等专利信息）。
这种情况所带来的严重后果是：
1 、专利权的保护难度大，一项好的技术出来后，马上就被复制；
2 、专利权/申请人通过专利彰显自己的产品特色的效果差，因为用户也分不清楚某一技术与专利权/申请人的联系。
综上，为充分保护本人的另外一个专利申请（名为《 根据客户授信额度匹配推荐方法及智能推荐提示系统 》 ），让该本人的专利申请价值最大化， 特提出一个解决办法。
 技术问题
本发明实施例提供了一种匹配放贷资源时的信息提示方法及推荐提示系统，能够通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现客户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升客户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率 ， 并通过使用技术后推送专利信息，而彰显了专利（申请）权人的权益 。
技术解决方案
本发明是这样实现的：一种匹配放贷资源时的信息提示方法，包括以下步骤：
记录银行对客户的授信额度和客户当前的贷款需求信息；
读取银行对客户的授信额度和客户当前的贷款需求信息；
判断客户当前贷款需求是否超过机构对其设定的信用额度，并向用户推送专利信息；
若否，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；
若是，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。
本发明实施例还提供了一种推荐提示系统，包括：
记录单元，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息；
读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息；
判断单元，该输入端与读取单元的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度；
信息推送单元，该输入端与判断单元的输出端连接，用于向用户推送专利信息；
调控单元，该输入端与判断单元的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。
 有益效果
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平，并通过使用技术后推送专利信息，而彰显了专利（申请）权人的权益。
附图说明
图 1 是本发明实施例提供的一种匹配放贷资源时的信息提示方法 的流程示意图 ；
图 2 是本发明实施例提供的推荐提示系统的结构示意图。
 本发明的实施方式
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
图 1 是发明实施例提供的一种匹配放贷资源时的信息提示方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。
在步骤 S101 中，记录银行对客户的授信额度和客户当前的贷款需求信息。
在步骤 S102 中，读取银行对客户的授信额度和客户当前的贷款需求信息。
在步骤 S103 中，判断客户当前贷款需求是否超过机构对其设定的信用额度，并向用户推送专利信息；若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，进入步骤 S104 ，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，进入步骤 S10,5 ，并向客户推荐其他高风险偏好的放贷资源。
所述专利信息包括但不限于：该技术的专利申请状态，该技术的专利申请 / 权利人、该技术的专利申请号、专利申请日等信息。
所述专利信息是可编辑的，可以根据专利申请的授权与否，向用户动态推送：正在申请专利、已获得专利授权等信息。
所述专利信息是可编辑的，可以根据专利申请权 / 专利权的转让情况，向用户动态推送：该专利的当前相关的权利人。
所述专利信息的推送方式，可以采取小框显示、语音显示等让用户能够感知的推送方式。
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平，并通过使用技术后推送专利信息，而彰显了专利（申请）权人的权益。
图 2 是本发明实施例提供的一种推荐提示系统的结构示意图，该推荐提示系统包括：
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，信息推送单元 25 ，其中
记录单元 21 ，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息；
读取单元 22 ，该输入端与记录单元 21 的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息；
判断单元 23 ，该输入端与读取单元 22 的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度；
信息推送单元 25 ，该输入端与判断单元 23 的输出端连接，用于向用户推送专利信息；
调控单元 24 ，该输入端与判断单元 23 的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源；
其工作原理是：记录单元 21 记录金融机构设定的账户资产额度信息和客户当前账户额度信息；读取单元 22 读取金融机构设定的账户资产额度信息和客户当前账户额度信息；判断单元 23 判断客户当前贷款需求是否超过机构对其设定的信用额度，同时，信息推送单元 25 向用户推送专利信息；调控单元 24 在客户当前贷款需求未超过机构对其设定的授信额度时，发出提示可以对客户进行放贷的信息；在超过时，并向客户推荐其他高风险偏好的放贷资源。
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平，并通过使用技术后推送专利信息，而彰显了专利（申请）权人的权益。
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。

Claims (2)

  1. 一种匹配放贷资源时的信息提示方法，其特征在于，所述方法包括如下步骤：
    记录银行对客户的授信额度和客户当前的贷款需求信息；
    读取银行对客户的授信额度和客户当前的贷款需求信息；
    判断客户当前贷款需求是否超过机构对其设定的信用额度，并向用户推送专利信息；
    若否，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；
    若是，视为客户不适合在对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。
  2. 一种推荐提示系统，其特征在于，所述推荐提示系统包括：
    记录单元，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息；
    读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息；
    判断单元，该输入端与读取单元的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度；
    信息推送单元，该输入端与判断单元的输出端连接，用于向用户推送专利信息；
    调控单元，该输入端与判断单元的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。
PCT/CN2016/072940 2016-01-30 2016-01-30 匹配放贷资源时的信息提示方法及推荐提示系统 Ceased WO2017128373A1 (zh)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072940 WO2017128373A1 (zh) 2016-01-30 2016-01-30 匹配放贷资源时的信息提示方法及推荐提示系统

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072940 WO2017128373A1 (zh) 2016-01-30 2016-01-30 匹配放贷资源时的信息提示方法及推荐提示系统

Publications (1)

Publication Number Publication Date
WO2017128373A1 true WO2017128373A1 (zh) 2017-08-03

Family

ID=59398903

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/072940 Ceased WO2017128373A1 (zh) 2016-01-30 2016-01-30 匹配放贷资源时的信息提示方法及推荐提示系统

Country Status (1)

Country Link
WO (1) WO2017128373A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108805694A (zh) * 2018-05-24 2018-11-13 平安普惠企业管理有限公司 信贷咨询服务方法、装置、设备及计算机可读存储介质

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101567071A (zh) * 2008-04-21 2009-10-28 阿里巴巴集团控股有限公司 一种网上交易系统和银行系统的数据交互处理方法及装置
CN102693508A (zh) * 2012-05-11 2012-09-26 杭州商友全球网信息技术有限公司 一种用于银行申贷管理的数据处理方法
US20130138552A1 (en) * 2011-11-28 2013-05-30 Rawllin International Inc. Unified charging and credit system
CN103782318A (zh) * 2011-05-18 2014-05-07 信用公司 用于产生信贷反馈环的系统和方法
CN103942717A (zh) * 2014-04-03 2014-07-23 中企永联数据交换技术（北京）有限公司 互联网金融放贷风险定量评估与在线监控的系统及方法
CN104361463A (zh) * 2014-11-21 2015-02-18 上海财安金融服务股份有限公司 一种中小企业网络融资系统和方法
CN105260934A (zh) * 2015-11-11 2016-01-20 中国建设银行股份有限公司 一种信用额度的计算方法和系统

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101567071A (zh) * 2008-04-21 2009-10-28 阿里巴巴集团控股有限公司 一种网上交易系统和银行系统的数据交互处理方法及装置
CN103782318A (zh) * 2011-05-18 2014-05-07 信用公司 用于产生信贷反馈环的系统和方法
US20130138552A1 (en) * 2011-11-28 2013-05-30 Rawllin International Inc. Unified charging and credit system
CN102693508A (zh) * 2012-05-11 2012-09-26 杭州商友全球网信息技术有限公司 一种用于银行申贷管理的数据处理方法
CN103942717A (zh) * 2014-04-03 2014-07-23 中企永联数据交换技术（北京）有限公司 互联网金融放贷风险定量评估与在线监控的系统及方法
CN104361463A (zh) * 2014-11-21 2015-02-18 上海财安金融服务股份有限公司 一种中小企业网络融资系统和方法
CN105260934A (zh) * 2015-11-11 2016-01-20 中国建设银行股份有限公司 一种信用额度的计算方法和系统

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108805694A (zh) * 2018-05-24 2018-11-13 平安普惠企业管理有限公司 信贷咨询服务方法、装置、设备及计算机可读存储介质
CN108805694B (zh) * 2018-05-24 2023-11-17 广州金翰网络科技有限公司 信贷咨询服务方法、装置、设备及计算机可读存储介质

Similar Documents

Publication Publication Date Title
GB2369221A (en) Method of conducting secure transactions containing confidential, financial, payment, credit, or other information over a network
CN110634066A (zh) 确定结算利息的方法、装置和设备
WO2017124245A1 (zh) 根据客户金融负债匹配是否融资的方法以及智能融资系统
WO2017128375A1 (zh) 放贷资源推荐的数据采集方法及智能推荐提示系统
WO2017128373A1 (zh) 匹配放贷资源时的信息提示方法及推荐提示系统
WO2017128392A1 (zh) 资金额度匹配贷款时的信息推送方法及贷款提示系统
WO2017128374A1 (zh) 根据客户授信额度匹配推荐方法及智能推荐提示系统
WO2017128391A1 (zh) 贷款产品推荐技术的数据发送方法及贷款提示系统
WO2017128395A1 (zh) 提示用户资产管理时的信息推送方法及智能投资提示系统
CN101034411B (zh) 一种计算机数据处理系统及其处理方法和应用
WO2017128370A1 (zh) 监控信用开余额技术的数据统计方法及智能提示系统
WO2017128396A1 (zh) 根据账户资金额度匹配资产管理的方法及智能投资提示系统
WO2017128367A1 (zh) 信用卡积分监控技术的数据采集方法及提示系统
WO2018023394A1 (zh) 一种从短信中自动提取验证码的方法和手机
WO2017128371A1 (zh) 监控信用卡余额时的信息推送方法及智能提示系统
WO2017128393A1 (zh) 根据账户资金额度匹配贷款推荐方法及贷款提示系统
WO2018023609A1 (zh) 手机端扣缴地铁车费时的信息提示方法和缴费系统
WO2017128368A1 (zh) 信用卡积分监控时的信息推送方法及智能提示系统
WO2018023439A1 (zh) 一种充值话费时的信息提示方案以及手机
WO2017128320A1 (zh) 电子账户资金监控时的信息提醒方法及提示系统
WO2017128401A1 (zh) 根据客户渠道使用匹配推送路径方法及客户区分系统
WO2018023438A1 (zh) 一种自动充值话费技术的数据采集方法以及手机
WO2017124417A1 (zh) 推荐优惠卷相关技术信息展现方法以及推荐系统
JP2015225435A (ja) 情報処理装置、方法およびプログラム
WO2017128400A1 (zh) 推送路径与渠道匹配时的信息推送方法及客户区分系统

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 16887257

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 16/01/2019)

122 Ep: pct application non-entry in european phase

Ref document number: 16887257

Country of ref document: EP

Kind code of ref document: A1