CN102385736A - Consumption statistic system for credit card and mobile phone with consumption statistic function of credit card - Google Patents
Consumption statistic system for credit card and mobile phone with consumption statistic function of credit card Download PDFInfo
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- CN102385736A CN102385736A CN2010102669337A CN201010266933A CN102385736A CN 102385736 A CN102385736 A CN 102385736A CN 2010102669337 A CN2010102669337 A CN 2010102669337A CN 201010266933 A CN201010266933 A CN 201010266933A CN 102385736 A CN102385736 A CN 102385736A
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Abstract
The invention relates to a consumption statistic system for a credit card, which comprises an input module, a storage module, a consumption information extraction module, a consumption statistic module and a display module, wherein the input module is used for inputting basic information of the credit card and a query request; the storage module is used for storing the basic information of the credit card; the consumption information extraction module is used for extracting a consumption short message corresponding to the credit card from the short messages in the mobile phone according to the input query request and the stored basic information of the credit card; and the consumption statistic module is used for further extracting the basic consumption information from the extracted consumption short message to carry out statistic analysis and displaying a statistic result on the display module. The system with the consumption statistic function of the credit card, particular for the mobile phone using the system, can be used for conveniently counting and managing consumption information of users based on the short messages containing consumption details transmitted to the users by a bank, so that the users well learn about detailed consumption conditions and further conveniently conduct financial transactions; and the service satisfaction degree of the users is improved.
Description
[technical field]
The present invention relates to a kind of credit card purchase statistical system and have the mobile phone of credit card purchase statistical function.
[background technology]
In the daily life consumption, it is modal credit card use-pattern that the user swipes the card on the POS machine.The user can sign an agreement with bank when holding credit card generally speaking, and bank of the every bankcard consumption of user all can notify the customer consumption number with short message mode.But so just have a problem, promptly the user after one of every consumption often unclear from own credit line also surplus what, particularly for the user of frequent bankcard consumption, inconvenience very.
[summary of the invention]
Based on this, be necessary to provide a kind of user of convenience in time to understand the credit card purchase statistical system of the consumption situation of oneself.
Simultaneously, also be necessary to provide a kind of user of convenience in time to understand the mobile phone with credit card purchase statistical function of the consumption situation of oneself.
A kind of credit card purchase statistical system comprises load module, memory module, consumption information extraction module, consumption statistical module and the display module of importing credit card essential information and query requests.Memory module links to each other with load module and stores the credit card essential information.The consumption information extraction module links to each other with load module and memory module and from SMS, extracts the consumption note of corresponding credit card according to the credit card essential information of the query requests of input and storage.The consumption statistical module links to each other with consumption information extraction module and display module from the consumption note of extracting, further to extract and consumes essential information and carry out statistical study and statistics is shown at display module.
Preferably, during the credit card essential information comprises card number, bank service number, bill, the longest repayment date of free of interest and credit line.
Preferably, query requests comprises that the user passes through card number, bank service number and the query time scope of load module input.
Preferably, the consumption essential information comprises consumption day and consumption number.
Preferably, statistics comprises consumption details, consumption total value, remaining sum and the longest repayment date of free of interest.
Preferably, memory module links to each other with the consumption statistical module, and memory module further stores the moon consumption statistics of consumption statistical module, and month consumption statistics is the statistics during this month or the bill.
Preferably, the consumption statistical module carries out year consumption according to moon consumption statistics to be added up, and is stored in memory module or shows at display module consuming statistics year.
Preferably, memory module further stores the record of query requests, and the record of query requests is shown at display module with at user option tabulation or icon form.
Preferably, also comprise the help module that links to each other with load module, display module and memory module, help module stores the explanation to credit card essential information, consumption essential information, statistics and system's FAQs.
Preferably, also comprise the update module of downloading bank's information or credit card essential information from bank service system automatically.
A kind of mobile phone with credit card purchase statistical function, it has used the credit card purchase statistical system in above-mentioned any embodiment.
System with credit card purchase statistical function; Particularly use the mobile phone of this system; Can be very easily based on contain the consumption information that the note of consuming details come statistical management user of bank to user's transmission; Make the user very detailed understanding arranged, thereby be convenient to user's financing, improve user's user satisfaction the consumption situation of oneself.
[description of drawings]
Fig. 1 is the module diagram of the credit card purchase statistical system of an embodiment.
[embodiment]
Mainly combine accompanying drawing and specific embodiment to the credit card purchase statistical system and use the mobile phone of this system to be further described below.
As shown in Figure 1, the credit card purchase statistical system of present embodiment comprises load module 110, memory module 120, consumption information extraction module 130, consumption statistical module 140, display module 150 and help module 160.
Usually store the credit card essential information in the memory module 120.In addition, memory module 120 can also be stored the statistics of consumption statistical module 140 etc.
Consumption information extraction module 130 extracts the consumption note of corresponding credit card from SMS according to the credit card essential information of query requests of importing and storage.Generally, the user can sign related protocol with bank when holding credit card, and bank all can notify the user with way of short messages for every credit card purchase of user, promptly consumes note.Consumption information extraction module 130 mainly is to carry out note through bank service number or card number to extract, and combines information such as query time scope to carry out the time screening, thereby extracts the consumption situation of the credit card that needs statistics.
Consumption statistical module 140 further extraction consumption essential information from the consumption note of extracting is carried out statistical study and statistics is shown at display module 150.The consumption essential information comprises consumption day (promptly swiping the card the day of trade), consumption number information such as (numbers of deals of promptly swiping the card).Statistics comprises consumption details, consumption total value, remaining sum and the longest repayment date of free of interest.The consumption details can be that the tabulation of all the consumption essential informations in the query time scope shows or other forms show.Consumption statistical module 140 extracts all the consumption essential informations in the query time scope; Consume total value, remaining sum (remaining sum=credit line-consumption total value according to the consumption number then; Remaining sum is not less than 0) statistical study, and notify user's free of interest information such as long repayment date.
Store explanation in the help module 160 to credit card essential information, consumption essential information, statistics and system's FAQs.
In preferred embodiment, this memory module 120 is the query requests of recording user input further, and is presented on the display module 150 with forms such as tabulation or icons, thereby during next user inquiring consumption situation, only needs to select corresponding project to get final product.In addition, the user can carry out the privacy setting, and memory module 120 is selected record or record queries information not according to the user.
In addition, in preferred embodiment, this credit card purchase statistical system also comprises from bank service system or the real-time update module of downloading up-to-date information of associated server.The user can understand up-to-date bank information in real time through update module, grasps trends such as credit service activity.The user also can select to download the credit card essential information through update module.
Above-mentioned credit card purchase statistical system can be widely used on the mobile communication terminal such as mobile phone, and being convenient to the user has very detailed understanding to oneself consumption situation, thereby is convenient to user's financing, improves user's user satisfaction.
Below be the specific embodiment part:
Certain credit line of opening the credit card of A bank is 10,000 yuan, during every month bill from this month 28 in every year to next month 27, free of interest repayment period is 20 days.During being a bill on September 27,2008 28 days to 2008 August in, the user in during this period in 1600 yuan of bankcard consumptions on September 13rd, 2008, in 4300 yuan of bankcard consumptions on September 23rd, 2008.The book keeping operation day of supposing bank, the consumption note was sent in real time in order to consume the same day.The user wants to inquire about own of that month or single the consumption situation of being in debt on September 24th, 2008.The credit card purchase statistical system is extracted through the inquiry of relevant information, can show below information to the user:
" 2008.09.13 consumption: 1600 yuan
2008.09.23 consumption: 4300 yuan
Consumption total value: 5900 yuan
Remaining sum: 4100 yuan
The longest repayment date of free of interest: 2008.10.17 "
In addition, the user can also be with regard to the bankcard consumption situation in certain first quarter in 2008 or the whole year to system queries, and system can be shown to the user with forms such as charts according to user's needs.Thereby the user can readily appreciate that the consumption details of oneself, is convenient to oneself financing.
Above embodiment has only expressed several kinds of embodiments of the present invention, and it describes comparatively concrete and detailed, but can not therefore be interpreted as the restriction to claim of the present invention.Should be pointed out that for the person of ordinary skill of the art, not breaking away under the prerequisite of the present invention design, can also make some distortion and improvement, like the shape of groove, size etc., these all belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be as the criterion with accompanying claims.
Claims (10)
1. a credit card purchase statistical system is characterized in that, comprises load module, memory module, consumption information extraction module, consumption statistical module and the display module of input credit card essential information and query requests; Said memory module links to each other with said load module and stores said credit card essential information; Said consumption information extraction module links to each other with said load module and memory module and from SMS, extracts the consumption note of corresponding credit card according to the credit card essential information of the query requests of input and storage; Said consumption statistical module links to each other with said consumption information extraction module and display module and from the consumption note of extracting, further extracts the consumption essential information and carry out statistical study and statistics is shown at said display module.
2. credit card purchase statistical system as claimed in claim 1 is characterized in that, during said credit card essential information comprises card number, bank service number, bill, the longest repayment date of free of interest and credit line; Said query requests comprises said card number, said bank service number and the query time scope of user through said load module input.
3. credit card purchase statistical system as claimed in claim 2 is characterized in that, said consumption essential information comprises consumption day and consumption number.
4. credit card purchase statistical system as claimed in claim 3 is characterized in that, said statistics comprises consumption details, consumption total value, remaining sum and the longest repayment date of free of interest.
5. credit card purchase statistical system as claimed in claim 4; It is characterized in that; Said memory module links to each other with said consumption statistical module; Said memory module is the moon consumption statistics of the said consumption statistical module of storage further, and said month consumption statistics be the statistics during this month or the bill.
6. credit card purchase statistical system as claimed in claim 5; It is characterized in that; Said consumption statistical module carries out year consumption statistics according to said month consumption statistics, and with consuming that statistics is stored in said memory module year or in said display module demonstration.
7. like claim 1 or 5 described credit card purchase statistical systems; It is characterized in that; Said memory module further stores the record of query requests, and the record of said query requests is shown at said display module with at user option tabulation or icon form.
8. like claim 1 or 7 described credit card purchase statistical systems; It is characterized in that; Also comprise the help module that links to each other with said load module, display module and said memory module, said help module stores the explanation to credit card essential information, consumption essential information, statistics and system's FAQs.
9. credit card purchase statistical system as claimed in claim 8 is characterized in that, also comprises the update module of downloading bank's information or credit card essential information from bank service system automatically.
10. the mobile phone with credit card purchase statistical function is characterized in that, comprises any described credit card purchase statistical system of claim 1-9.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010102669337A CN102385736A (en) | 2010-08-27 | 2010-08-27 | Consumption statistic system for credit card and mobile phone with consumption statistic function of credit card |
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| CN2010102669337A CN102385736A (en) | 2010-08-27 | 2010-08-27 | Consumption statistic system for credit card and mobile phone with consumption statistic function of credit card |
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| CN102385736A true CN102385736A (en) | 2012-03-21 |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102968714A (en) * | 2012-10-31 | 2013-03-13 | 广东岭南通股份有限公司 | Bookkeeping and financial management system and method based on consumption data of integrated circuit (IC) card |
| CN103985010A (en) * | 2014-05-16 | 2014-08-13 | 常熟银瀚网络技术服务有限公司 | Mobile phone accounting system |
| CN105144024A (en) * | 2012-12-06 | 2015-12-09 | 谷歌技术控股有限责任公司 | Method and apparatus for providing a running sum total of user-selected data |
| CN105938606A (en) * | 2015-03-04 | 2016-09-14 | 纳宝株式会社 | Apparatus and method for providing account book service |
| CN106056370A (en) * | 2016-06-23 | 2016-10-26 | 吴风 | Intelligent convenient recharge system |
| CN107665440A (en) * | 2016-07-28 | 2018-02-06 | 腾讯科技（深圳）有限公司 | Credit accounts system of selection and device |
| CN108182573A (en) * | 2017-12-28 | 2018-06-19 | 努比亚技术有限公司 | A kind of approaches to IM, device and computer readable storage medium |
| CN109118058A (en) * | 2018-07-17 | 2019-01-01 | 中国联合网络通信集团有限公司 | A kind of reference method of big data |
| CN109325837A (en) * | 2018-08-03 | 2019-02-12 | 挖财网络技术有限公司 | The method and device kept accounts automatically is realized based on the received message of mobile terminal |
| WO2019095847A1 (en) * | 2017-11-17 | 2019-05-23 | 阿里巴巴集团控股有限公司 | Account information management method and apparatus |
| CN110197074A (en) * | 2018-04-11 | 2019-09-03 | 腾讯科技（深圳）有限公司 | A kind of user authority control method and device |
| CN110321461A (en) * | 2019-05-24 | 2019-10-11 | 平安银行股份有限公司 | Bill processing method, system, computer equipment and storage medium |
| CN111311389A (en) * | 2020-02-06 | 2020-06-19 | 支付宝(杭州)信息技术有限公司 | Data processing method, data processing device, storage medium and electronic equipment |
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- 2010-08-27 CN CN2010102669337A patent/CN102385736A/en active Pending
Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102968714A (en) * | 2012-10-31 | 2013-03-13 | 广东岭南通股份有限公司 | Bookkeeping and financial management system and method based on consumption data of integrated circuit (IC) card |
| CN105144024A (en) * | 2012-12-06 | 2015-12-09 | 谷歌技术控股有限责任公司 | Method and apparatus for providing a running sum total of user-selected data |
| CN103985010A (en) * | 2014-05-16 | 2014-08-13 | 常熟银瀚网络技术服务有限公司 | Mobile phone accounting system |
| CN105938606A (en) * | 2015-03-04 | 2016-09-14 | 纳宝株式会社 | Apparatus and method for providing account book service |
| CN106056370A (en) * | 2016-06-23 | 2016-10-26 | 吴风 | Intelligent convenient recharge system |
| CN107665440A (en) * | 2016-07-28 | 2018-02-06 | 腾讯科技（深圳）有限公司 | Credit accounts system of selection and device |
| WO2019095847A1 (en) * | 2017-11-17 | 2019-05-23 | 阿里巴巴集团控股有限公司 | Account information management method and apparatus |
| EP3690781A4 (en) * | 2017-11-17 | 2020-08-05 | Alibaba Group Holding Limited | Account information management method and apparatus |
| TWI718408B (en) * | 2017-11-17 | 2021-02-11 | 開曼群島商創新先進技術有限公司 | Account information management method and device |
| CN108182573A (en) * | 2017-12-28 | 2018-06-19 | 努比亚技术有限公司 | A kind of approaches to IM, device and computer readable storage medium |
| CN110197074A (en) * | 2018-04-11 | 2019-09-03 | 腾讯科技（深圳）有限公司 | A kind of user authority control method and device |
| CN110197074B (en) * | 2018-04-11 | 2023-02-28 | 腾讯科技（深圳）有限公司 | User authority control method and device |
| CN109118058A (en) * | 2018-07-17 | 2019-01-01 | 中国联合网络通信集团有限公司 | A kind of reference method of big data |
| CN109325837A (en) * | 2018-08-03 | 2019-02-12 | 挖财网络技术有限公司 | The method and device kept accounts automatically is realized based on the received message of mobile terminal |
| CN110321461A (en) * | 2019-05-24 | 2019-10-11 | 平安银行股份有限公司 | Bill processing method, system, computer equipment and storage medium |
| CN111311389A (en) * | 2020-02-06 | 2020-06-19 | 支付宝(杭州)信息技术有限公司 | Data processing method, data processing device, storage medium and electronic equipment |
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Application publication date: 20120321 |