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WO2017128371A1 - Procédé de transmission d'informations pendant la surveillance d'un solde de carte de crédit et système d'invite intelligent - Google Patents

Procédé de transmission d'informations pendant la surveillance d'un solde de carte de crédit et système d'invite intelligent Download PDF

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Publication number
WO2017128371A1
WO2017128371A1 PCT/CN2016/072938 CN2016072938W WO2017128371A1 WO 2017128371 A1 WO2017128371 A1 WO 2017128371A1 CN 2016072938 W CN2016072938 W CN 2016072938W WO 2017128371 A1 WO2017128371 A1 WO 2017128371A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
information
credit card
balance
credit
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/CN2016/072938
Other languages
English (en)
Chinese (zh)
Inventor
郭子明
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/CN2016/072938 priority Critical patent/WO2017128371A1/fr
Publication of WO2017128371A1 publication Critical patent/WO2017128371A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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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
    • 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
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts

Definitions

  • the invention belongs to the field of financial intelligent services, and provides an information pushing method and an intelligent prompting system when monitoring credit card balances.
  • the embodiment of the invention provides an information pushing method and an intelligent prompting system for monitoring a credit card balance, and matching the balance of the credit card credit amount of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the user has sufficient funds.
  • Trading on the one hand, guarantees that users have sufficient funds when making purchases, on the other hand, it can ensure that excess funds can be placed in places with higher profits, maximize profits, and push patent information through the use of technology. Highlight the rights of the patent (application) right holder.
  • the present invention is implemented as follows: a method of pushing information when monitoring a credit card balance, comprising the following steps:
  • the embodiment of the invention further provides an intelligent prompting system, comprising:
  • a recording unit configured to record credit balance credit amount balance information set by the user and current credit card credit fund balance information
  • the reading unit is connected to the output end of the recording unit, and is configured to read the credit card credit amount balance information set by the user and the current credit card credit fund balance information;
  • the determining unit is connected to the output end of the reading unit, and is configured to determine whether the current credit card credit amount balance is lower than a quota set by the user;
  • the control unit is connected to the output end of the judging unit, and if the current balance of the credit card credit fund balance is lower than the amount set by the user, the information prompting the user to transfer the account is issued;
  • the information pushing unit is connected to the output end of the control unit for pushing patent information to the user.
  • the invention matches the balance of the credit line credit line of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the user has sufficient funds to conduct the transaction, and on the other hand, ensures that the user has sufficient funds when making the shopping, on the other hand, It can also ensure that the excess funds can be placed in places where the income is higher, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.
  • FIG. 1 is a schematic flowchart of a method for prompting matching information according to a credit card credit line balance according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of an intelligent prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of a method for prompting matching information according to a credit card credit fund balance 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 card credit amount balance information set by the user and the current credit card credit fund balance information are recorded.
  • step S102 The user credit card credit balance information and the current credit card credit balance information are read.
  • step S103 it is determined whether the current credit card credit amount balance is lower than the amount set by the user; if not, the process proceeds to step S104. It is considered that the funds are sufficient, and the information prompting the user to transfer the money is not issued; if yes, the process proceeds to step S105, the information prompting the user to transfer the money is issued, and the patent information is pushed to the user.
  • 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 balance of the credit line credit line of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the user has sufficient funds to conduct the transaction, and on the other hand, ensures that the user has sufficient funds when making the shopping, on the other hand, It can also ensure that the excess funds can be placed in places where the income is higher, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.
  • FIG. 2 is a schematic structural diagram of an intelligent prompting system according to an embodiment of the present invention, where the smart prompting system includes:
  • Recording unit 21 For recording the credit card credit amount balance information set by the user and the current credit card credit fund balance information
  • Reading unit 22, and recording unit 21 The output terminal is connected to read credit balance credit amount balance information set by the user and current credit card credit fund balance information;
  • Judging unit 23, and reading unit 22 The output ends are connected to determine whether the current balance of credit card credit funds is lower than the amount set by the user;
  • Control unit 24, and judgment unit 23 The output end is connected, if the current credit card credit amount balance is lower than the user-set amount, then the user is prompted to transfer the information;
  • the information pushing unit 25 is connected to the output end of the regulating unit 24 for pushing patent information to the user.
  • recording unit 21 Recording credit card credit amount balance information set by the user and current credit card credit amount balance information; reading unit 22 The credit card credit amount balance information set by the user and the current credit card credit fund balance information are read; the determining unit 23 determines whether the current credit card credit fund balance is lower than the user-set quota; the adjusting unit 24 When the current credit card credit amount balance is lower than the user-set amount, the user is prompted to transfer the information, and the information pushing unit 25 pushes the patent information to the user.
  • the invention matches the balance of the credit line credit line of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the user has sufficient funds to conduct the transaction, and on the other hand, ensures that the user has sufficient funds when making the shopping, on the other hand, It can also ensure that the excess funds can be placed in places where the income is higher, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.

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

Abstract

La présente invention concerne un procédé de transmission d'informations pendant la surveillance d'un solde de carte de crédit, et un système d'invite intelligent, ayant trait au domaine des services financiers intelligents. Le procédé comprend les étapes consistant à : enregistrer des informations de solde de carte de crédit établies par un utilisateur et des informations de solde de carte de crédit actuel (S101) ; lire les informations de solde de carte de crédit établies par l'utilisateur et les informations de solde de carte de crédit actuel (S102) ; déterminer si le solde de carte de crédit actuel est inférieur au solde établi par l'utilisateur (S103) ; si ce n'est pas le cas, déterminer que le solde est suffisant et ne pas envoyer d'informations pour inviter l'utilisateur à transférer de l'argent (S104) ; et si c'est le cas, envoyer les informations pour inviter l'utilisateur à transférer de l'argent et transmettre des informations de brevet à l'utilisateur (S105). Le procédé permet à un système de déterminer, en temps opportun, si un utilisateur a suffisamment d'argent pour mener à bien une transaction, afin de s'assurer que l'utilisateur dispose d'un solde suffisant pour effectuer un achat et de veiller à ce que l'argent supplémentaire puisse être utilisé pour un investissement afin de réaliser des gains supplémentaires, maximisant ainsi les gains. En outre, grâce à la transmission d'informations de brevets d'après l'utilisation de la technologie, les droits du titulaire du brevet peuvent être démontrés.
PCT/CN2016/072938 2016-01-30 2016-01-30 Procédé de transmission d'informations pendant la surveillance d'un solde de carte de crédit et système d'invite intelligent Ceased WO2017128371A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072938 WO2017128371A1 (fr) 2016-01-30 2016-01-30 Procédé de transmission d'informations pendant la surveillance d'un solde de carte de crédit et système d'invite intelligent

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072938 WO2017128371A1 (fr) 2016-01-30 2016-01-30 Procédé de transmission d'informations pendant la surveillance d'un solde de carte de crédit et système d'invite intelligent

Publications (1)

Publication Number Publication Date
WO2017128371A1 true WO2017128371A1 (fr) 2017-08-03

Family

ID=59397129

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/072938 Ceased WO2017128371A1 (fr) 2016-01-30 2016-01-30 Procédé de transmission d'informations pendant la surveillance d'un solde de carte de crédit et système d'invite intelligent

Country Status (1)

Country Link
WO (1) WO2017128371A1 (fr)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050125317A1 (en) * 2003-08-29 2005-06-09 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
CN101222247A (zh) * 2008-01-29 2008-07-16 中兴通讯股份有限公司 近场通信终端提示余额的方法、装置及移动通信终端
CN101499181A (zh) * 2009-02-20 2009-08-05 颜海滨 无人自动售票和验票系统
CN101996442A (zh) * 2009-08-25 2011-03-30 中国移动通信集团公司 电子钱包充值方法及其装置和系统
CN103916835A (zh) * 2014-04-29 2014-07-09 合肥汇众知识产权管理有限公司 一种专利信息短信群发方法
CN104361487A (zh) * 2014-10-29 2015-02-18 中国建设银行股份有限公司 信用卡跨行自动还款的方法及装置

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050125317A1 (en) * 2003-08-29 2005-06-09 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
CN101222247A (zh) * 2008-01-29 2008-07-16 中兴通讯股份有限公司 近场通信终端提示余额的方法、装置及移动通信终端
CN101499181A (zh) * 2009-02-20 2009-08-05 颜海滨 无人自动售票和验票系统
CN101996442A (zh) * 2009-08-25 2011-03-30 中国移动通信集团公司 电子钱包充值方法及其装置和系统
CN103916835A (zh) * 2014-04-29 2014-07-09 合肥汇众知识产权管理有限公司 一种专利信息短信群发方法
CN104361487A (zh) * 2014-10-29 2015-02-18 中国建设银行股份有限公司 信用卡跨行自动还款的方法及装置

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