CN102509237A - Credit card repayment reminding method and system as well as third-party credit card repayment reminding platform - Google Patents
Credit card repayment reminding method and system as well as third-party credit card repayment reminding platform Download PDFInfo
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Abstract
The invention provides a credit card repayment reminding method and system as well as a third-party credit card repayment reminding platform. The system comprises the third-party credit card repayment reminding platform and a plurality of servers of different banks, wherein the servers are in communication connection with the third-party credit card repayment reminding platform; the third-party credit card repayment reminding platform comprises a user information acquisition module, a bill information acquisition module, a to-be-reminded account determining module and a repayment reminding treatment module, wherein the user information acquisition module is used for obtaining and storing the credit card account of any user in a plurality of users, a bank to which the credit card belongs, a repayment reminding time determining constraint condition set by a user, and a repayment reminding information type; the bill information acquisition module is used for obtaining the repayment money and an expiring repayment date corresponding to a corresponding account to the bank to which each credit card account belongs; the repayment reminding treatment module is used for determining the repayment reminding time according to the repayment reminding time determining constraint condition set by the user corresponding to any credit card account; and the corresponding type of repayment reminding information is generated at the determined time and is sent to the corresponding user. According to the credit card repayment reminding method and system as well as the third-party credit card repayment reminding platform, convenience and timeliness for the user credit card repayment reminding are improved.
Description
Technical field
The present invention relates to the electronic banking technical field, relate in particular to the refund of a kind of credit card refund based reminding method and system and third party's credit card and remind platform.
Background technology
Credit card purchase is universal day by day in recent years, has become the important means of mass consumption.Credit card purchase has also produced some problems when offering convenience for people's consumption; For example: the card user of credit card does not in time refund by regulation; Cause the card user of credit card to produce bad credit record, thereby influenced the card user's of credit card credit grade in corresponding bank.The factor of getting rid of card user's subject intent of credit card, the reason that causes the card user of credit card on time not refund mainly contains:
1, same user possibly handle the credit card of many different banks, the user's who has credit card quantity even reach tens of; And the repayment date of each bank maybe be different, therefore caused relative users often not remember the concrete repayment date of each credit card clearly, thereby delayed refund;
2,, from the Credit Statement generation, just bill is sent to the card user of credit card for the different bank of majority; But most users can just not refund when receiving bill usually at once, and the interest-free repayment period that tends to utilize bank to provide is delayed refund, and this possibly cause the user when reality is refunded, to can not find bill, thereby has delayed refund; Or the like.
For the card user who reduces credit card forgets the probability of refund, mainly there are two kinds of prior aries.
A kind of scheme of prior art is: user's credit card is bound with the debit card of this identical bank of user, and the corresponding refund amount of money of Credit Statement is drawn from debit card automatically by this bank.Though this prior art can realize the automatic refund of credit card; The card user who has avoided occurring credit card exceeds the time limit and forgets refund; But for the user who holds many credits card; It is the debit card of the corresponding bank of every credit card SEPARATE APPLICATION that this prior art needs the user, has increased the quantity of the card that the user held, thereby has brought inconvenience to user's use.
The scheme of another kind of prior art is: the user utilizes computer software to import the detail of each credit card purchase, calculates the repayment date that expires automatically through computer software, refunds to remind the user to the preceding pop-up window automatically of the repayment date that expires.This prior art at first needs the user to import the detail of each credit card purchase by hand, and just can see the prompting of refunding after needing the user to open computing machine, so convenience and promptness that the refund of user credit card is reminded are lower.
Summary of the invention
The present invention provides a kind of credit card refund based reminding method and system and third party's credit card to refund and reminds platform, in order to improve convenience and the promptness that credit card is refunded and reminded.
The invention provides a kind of third party's credit card refund and remind platform, comprising:
The user profile acquisition module is used to obtain and preserve a plurality of users' user profile; Arbitrary user's said user profile comprises: said arbitrary user's at least one credit card account and affiliated bank thereof, said arbitrary user are provided with refund reminder time is confirmed the refund prompting message type that constraint condition and said arbitrary user are provided with;
The bill information acquisition module is used for bank under each credit card account and sends bill information respectively and obtain request, and receives the bill information that corresponding bank returns and obtain response; Wherein, the bill information that sends to the arbitrary bank request of obtaining comprises: the signal card number of the account that belongs to said arbitrary bank in said each credit card account; The bill information that said arbitrary bank returns obtains response and comprises: obtain the corresponding refund amount of money and the repayment date that expires of credit card account that comprises in the request with the bill information that said arbitrary bank receives;
Number of the account determination module to be reminded is used for confirming that the current refund amount of money of said each credit card account is greater than zero signal card number of the account;
Refund to remind processing module, the refund reminder time that is used for being provided with according to arbitrary credit card account of confirming corresponding expire repayment date and affiliated user thereof is confirmed constraint condition, confirms the reminder time of refunding; In the refund reminder time of confirming,, generate the refund prompting message of respective type and send to relative users according to the refund prompting message type that the user under said definite arbitrary credit card account is provided with; Said refund prompting message comprises: said definite arbitrary credit card account and the corresponding current refund amount of money and the repayment date that expires.
The present invention also provides a kind of credit card refund system for prompting, comprising:
Above-mentioned third party's credit card is refunded and is reminded platform, and
Respectively with the refund server of a plurality of different banks of reminding platform to communicate by letter to be connected of said third party's credit card; The server stores of arbitrary bank has: credit card account that said arbitrary bank has provided and corresponding bill information thereof.
The present invention also provides a kind of credit card refund based reminding method, comprising:
Obtain and preserve a plurality of users' user profile; Arbitrary user's said user profile comprises: said arbitrary user's at least one credit card account and affiliated bank thereof, said arbitrary user are provided with refund reminder time is confirmed the refund prompting message type that constraint condition and said arbitrary user are provided with;
Bank under each credit card account sends bill information respectively and obtains request, and receives the bill information that corresponding bank returns and obtain response; Wherein, the bill information that sends to the arbitrary bank request of obtaining comprises: the signal card number of the account that belongs to said arbitrary bank in said each credit card account; The bill information that said arbitrary bank returns obtains response and comprises: obtain the corresponding refund amount of money and the repayment date that expires of credit card account that comprises in the request with the bill information that said arbitrary bank receives;
Confirm that the current refund amount of money is greater than zero signal card number of the account in said each credit card account;
The refund reminder time that is provided with according to arbitrary credit card account of confirming corresponding expire repayment date and affiliated user thereof is confirmed constraint condition, confirms the reminder time of refunding; In the refund reminder time of confirming,, generate the refund prompting message of respective type and send to relative users according to the refund prompting message type that the user under said definite arbitrary credit card account is provided with; Said refund prompting message comprises: said definite arbitrary credit card account and the corresponding current refund amount of money and the repayment date that expires.
Credit card refund based reminding method provided by the invention and system and third party's credit card are refunded and are reminded in the platform, in credit card refund system for prompting, introduce the third party's credit card refund that is independent of user and bank and remind platform.This platform can obtain and comprise that the user comprises the user profile of credit card account; Can carry out the data interaction of bill information with a plurality of different banks; Information based on the user is provided with is confirmed refund reminder time and the refund prompting message type of the refund amount of money greater than zero credit card account; And generate the refund reminder message of respective type and send to relative users in refund reminder time of confirming; Convenience and promptness that the user credit card is refunded and reminded have not only been improved thus; Also can satisfy the individual demand that different user refund to be reminded, thereby help that the user is convenient to receive credit card refund prompting message accurately, and then help reducing the user and exceed the time limit and forget the probability of refund.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art; To do one to the accompanying drawing of required use in embodiment or the description of the Prior Art below introduces simply; Obviously, the accompanying drawing in describing below is some embodiments of the present invention, for those of ordinary skills; Under the prerequisite of not paying creative work property, can also obtain other accompanying drawing according to these accompanying drawings.
The structural representation of the credit card refund system for prompting that Fig. 1 provides for the embodiment of the invention one;
The process flow diagram of the credit card refund based reminding method that Fig. 2 provides for the embodiment of the invention two.
Embodiment
For the purpose, technical scheme and the advantage that make the embodiment of the invention clearer; To combine the accompanying drawing in the embodiment of the invention below; Technical scheme in the embodiment of the invention is carried out clear, intactly description; Obviously, described embodiment is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the present invention's protection.
The sequence number of following examples of the present invention is not represented the quality of embodiment just to description.
The structural representation of the credit card refund system for prompting that Fig. 1 provides for the embodiment of the invention one.Credit card refund system for prompting as shown in Figure 1 comprises: third party's credit card is refunded and is reminded the server 12 of platform 11 and a plurality of different banks.
The server 12 of arbitrary bank stores credit card account and the corresponding bill information thereof that this bank has provided at least.
Third party's credit card is refunded and is reminded platform 11 to be connected with server 12 communications of each bank respectively, can carry out the data interaction of bill information with the server 12 of each bank.The trusteeship service that third party's credit card is refunded and reminded platform can provide multi-user's credit card to refund and remind; Wherein: no matter be the user who holds individual credit card; Still the user who holds the credit card of many different banks all can be refunded by third party's credit card and remind platform that each unified management that credit card refund is reminded is provided.
Concrete, third party's credit card is refunded and is reminded platform 11 to comprise: user profile acquisition module 111, bill information acquisition module 112, number of the account determination module 113 to be reminded and the prompting processing module 114 of refunding.
User profile acquisition module 111 can be used for obtaining and preserving a plurality of users' user profile; Arbitrary user's said user profile comprises: said arbitrary user's at least one credit card account and affiliated bank thereof, said arbitrary user are provided with refund reminder time is confirmed the refund prompting message type that constraint condition and said arbitrary user are provided with.
Bill information acquisition module 112 can be used for bank under each credit card account and sends bill information respectively and obtain request, and receives the bill information that corresponding bank returns and obtain response; Wherein, the bill information that sends to the arbitrary bank request of obtaining comprises: the signal card number of the account that belongs to said arbitrary bank in said each credit card account; The bill information that said arbitrary bank returns obtains response and comprises: obtain the corresponding refund amount of money and the repayment date that expires of credit card account that comprises in the request with the bill information that said arbitrary bank receives; The repayment date that wherein expires is: the last day of the interest-free payback period of said arbitrary bank appointment.
Number of the account determination module 113 to be reminded can be used for confirming that the current refund amount of money is greater than zero signal card number of the account in said each credit card account.
Refund reminder time of refund reminding that processing module 114 can be used for being provided with according to arbitrary credit card account of confirming corresponding expire repayment date and affiliated user thereof is confirmed constraint condition, confirms the reminder time of refunding; In the refund reminder time of confirming,, generate the refund prompting message of respective type and send to relative users according to the refund prompting message type that the user under said definite arbitrary credit card account is provided with; Said refund prompting message comprises: said definite arbitrary credit card account and the corresponding current refund amount of money and the repayment date that expires.
Optional, in order in time to obtain the information that the user has refunded, the server of bank is in time notified third party's credit card to refund when certain credit card user is refunded and is reminded platform.Under this situation: third party's credit card is refunded and is reminded in the platform 11, and above-mentioned bill information acquisition module 112 also can be used for receiving the bill lastest imformation that said arbitrary bank sends; Said bill lastest imformation comprises: the bill information that sends with said arbitrary bank obtains the corresponding renewal refund amount of money of credit card account that comprises in the response; Accordingly, above-mentioned number of the account determination module 113 to be reminded also can be used for according to said bill lastest imformation, upgrades the corresponding current refund amount of money of corresponding credit card account; If the current refund amount of money after the renewal of corresponding credit card account correspondence is less than or equal to 0, then stop the refund prompting of that month to this credit card account.So handle the bill information that makes that third party's credit card is refunded and reminded platform to obtain; Keep synchronously with the bill information on the server of bank; Therefore the user be can avoid occurring and fund but phenomenon that third party's credit card is refunded and reminded platform still to remind the user repeatedly paid off; Can avoid also occurring that the user has gone back the part fund but third party's credit card refund to be reminded the platform reminder user phenomenon of the amount of money and user's actual needs refund amount differ of need refunding, and then improve the refund service quality of prompting platform of third party's credit card.
Optional, in order in time or as early as possible to obtain bill information, third party's credit card is refunded and is reminded platform also can comprise: bank information memory module 115.Bank information memory module 115 can be used for obtaining and preserving the affiliated bank of said each credit card account, and fixing Credit Statement generated day in every month.Under this situation, bill information acquisition module 112 specifically is used in the fixing Credit Statement of said arbitrary bank every month and generates day, sends bill information to said arbitrary bank and obtains request, and receive the bill information that corresponding bank returns and obtain response.
For the individual demand that the refund of satisfying different user is reminded, said refund reminds processing module 114 further to comprise: the reminder time of refunding confirms that unit 1141, refund prompting message type are confirmed unit 1142, refund reminding short messages processing unit 1143 and the prompting e-mail processing element 1144 of refunding.
Refund reminder time of refunding that reminder time confirms that unit 1141 can be used for being provided with according to said definite arbitrary credit card account corresponding expire repayment date and affiliated user thereof is confirmed constraint condition, confirms said definite corresponding refund reminder time of arbitrary credit card account.
Refund prompting message type confirms that unit 1142 can be used for the refund prompting message type that is provided with according to the user under said definite arbitrary credit card account, confirms said definite corresponding refund prompting message type of arbitrary credit card account; Said refund prompting message type comprises: short message and/or Email.
When refund reminding short messages processing unit 1143 is used in definite said definite corresponding refund prompting message type of arbitrary credit card account and is short message, generate the refund reminding short messages and send to relative users.
When refund reminding e-mail processing element 1144 to be used in definite said definite corresponding refund prompting message type of arbitrary credit card account to be Email, generating refunds reminds Email and sends to relative users.
For the ease of the user individual demand of refunding and reminding is provided, user profile acquisition module 111 can further comprise: user profile is provided with unit 1111 and user information storage unit 1112.
User profile is provided with unit 1111 and can be used for receiving the said user profile that said arbitrary user is provided with.
User information storage unit 1112 can be used for preserving said user profile the said user profile that the unit receives is set.
Analysis through technique scheme can know that the present invention introduces the third party's credit card refund that is independent of user and bank and reminds platform in credit card refund system for prompting.This platform can obtain and comprise that the user comprises the user profile of credit card account; Can carry out the data interaction of bill information with a plurality of different banks; Information based on the user is provided with is confirmed refund reminder time and the refund prompting message type of the refund amount of money greater than zero credit card account; And generate the refund reminder message of respective type and send to relative users in refund reminder time of confirming; Convenience and promptness that the user credit card is refunded and reminded have not only been improved thus; Also can satisfy the individual demand that different user refund to be reminded, thereby help that the user is convenient to receive credit card refund prompting message accurately, and then help reducing the user and exceed the time limit and forget the probability of refund.
Through credit card refund based reminding method embodiment provided by the invention, remind the mechanism of platform to do further to specify below to above-mentioned credit card refund system for prompting and the refund of third party's credit card.
The process flow diagram of the credit card refund based reminding method that Fig. 2 provides for the embodiment of the invention two.The executive agent of present embodiment method can be: third party's credit card is refunded and is reminded platform.Credit card refund based reminding method as shown in Figure 2 comprises:
Step 21: the user profile of obtaining and preserving a plurality of users; Arbitrary user's said user profile comprises: said arbitrary user's at least one credit card account and affiliated bank thereof, said arbitrary user are provided with refund reminder time is confirmed the refund prompting message type that constraint condition and said arbitrary user are provided with.
Third party's credit card refund to be reminded platform to can be a plurality of users the credit card account reminding service of refunding is provided.The user who has holds a credit card, and the user who has holds many credits card.Optional, these are refunded to third party's credit card and remind platform that user profile is provided with can interactive interface being set through the user profile that the refund of third party's credit card reminds platform to provide per family; Third party's credit card is refunded and is reminded platform to preserve the user profile that each user provides.
The user profile that arbitrary user is provided with can comprise: the credit card account of one or more credit card that this user holds self and the required bank of each credit card account.
The user profile that arbitrary user is provided with also can comprise: this user is provided with refund reminder time is confirmed constraint condition.Reminder time of refunding confirms that constraint condition can be but is not limited to one of following or combination: refund and remind initial day, as the repayment date that expires began to remind the user in preceding 3 days: send the time period of refund prompting message, like point-20 point every days 8; The gap periods that adjacent twice refund reminded was as 24 hours etc.
The user profile that arbitrary user is provided with also can comprise: the refund prompting message type that this user is provided with.Refund prompting message type can be but is not limited to one of following or combination: short message and/or Email.
The user profile that arbitrary user is provided with also can comprise: the user receives the communication information of refund prompting message, like phone number, E-mail address, instant messaging such as QQ or MSN number etc.
Step 22: the bank under each credit card account sends bill information respectively and obtains request, and receives the bill information that corresponding bank returns and obtain response; Wherein, the bill information that sends to the arbitrary bank request of obtaining comprises: the signal card number of the account that belongs to said arbitrary bank in said each credit card account; The bill information that said arbitrary bank returns obtains response and comprises: obtain the corresponding refund amount of money and the repayment date that expires of credit card account that comprises in the request with the bill information that said arbitrary bank receives.
The user profile that the refund of third party's credit card reminds platform that each user is provided is kept in the database; And according to each credit card account in the database and affiliated information such as bank thereof; Obtain corresponding bill information respectively with the bank under each credit card account, this bill information can include but not limited to; The refund amount of money and the repayment date that expires.
Optional; Because the time of the bill information of each bank generation in every month credit card is normally fixed; As generating the bill information of credit card in 10 days every month, therefore, in order in time or as early as possible to obtain bill information; Third party's credit card is refunded and is reminded platform can obtain and preserve the affiliated bank of said each credit card account in advance, and fixing Credit Statement generated day in every month; Every month fixing Credit Statement generates day in each bank, sends bill information to this bank and obtains request.
Third party's credit card refund to remind the platform can be with each credit card account that belongs to same bank of preserving, and all is carried at a bill information and obtains in the request and send to corresponding bank.Corresponding bank is after the bill information that receives the transmission of third party's credit card refund prompting platform obtains request; Refund to remind platform to send bill information to third party's credit card and obtain response, this bill information is obtained the corresponding respectively refund amount of money of each credit card account that response comprises that the bill information request of obtaining carries and is expired repayment date.Because the repayment date that expires of every month credit card of each bank is normally fixed; Therefore; The bill information that returns for a bank obtains in the response and can only carry the repayment date that expires, to reduce bank and the third party's credit card prompting platform interactive data quantity of refunding.
Step 23: confirm that the current refund amount of money is greater than zero signal card number of the account in said each credit card account.
Third party's credit card refund to remind platform receiving bill information that arbitrary bank returns when obtaining response, the refund amount of money of preserving corresponding credit card account with expire repayment date.Third party's credit card is refunded and is reminded platform in each credit card account of having preserved, to filter out the refund amount of money greater than zero signal card number of the account; These credit card account of selecting can generate credit card account formation to be reminded, and follow-up each credit card account that comprises in this formation is refunded reminded processing.
Optional, in order in time to obtain the information that the user has refunded, the server of bank is in time notified third party's credit card to refund when certain credit card user is refunded and is reminded platform.Under this situation, third party's credit card is refunded and is reminded platform to receive the bill lastest imformation that arbitrary bank sends; Said bill lastest imformation comprises: the bill information that sends with this bank obtains the corresponding renewal refund amount of money of credit card account that comprises in the response.Third party's credit card is refunded and is reminded platform according to the bill lastest imformation that receives, and upgrades the corresponding current refund amount of money of corresponding credit card account.If the current refund amount of money in the credit card account formation to be reminded after the renewal of certain credit card account correspondence is less than or equal to 0; Then can from credit card account formation to be reminded, delete this credit card account, promptly stop reminding refunding this month of this credit card account.So handle the bill information that makes that third party's credit card is refunded and reminded platform to obtain; Keep synchronously with the bill information on the server of bank; Therefore the user be can avoid occurring and fund but phenomenon that third party's credit card is refunded and reminded platform still to remind the user repeatedly paid off; Can avoid also occurring that the user has gone back the part fund but third party's credit card refund to be reminded the platform reminder user phenomenon of the amount of money and user's actual needs refund amount differ of need refunding, and then improve the refund service quality of prompting platform of third party's credit card.
Step 24: the refund reminder time that is provided with according to arbitrary credit card account of confirming corresponding expire repayment date and affiliated user thereof is confirmed constraint condition, confirms the reminder time of refunding; In the refund reminder time of confirming,, generate the refund prompting message of respective type and send to relative users according to the refund prompting message type that the user under said definite arbitrary credit card account is provided with; Said refund prompting message comprises: said definite arbitrary credit card account and the corresponding current refund amount of money and the repayment date that expires.
Remind for the refund of certain signal card number of the account, mainly comprise like the refund reminder process of arbitrary credit card account in the credit card account formation to be reminded: whether confirm to refund reminder time and refund prompting message type, monitoring reminder time of refunding expires, when refunding the reminder time expiration, generates the refund prompting message of respective type, sends the refund prompting message that generates to relative users.Wherein:
Third party's credit card is refunded and is reminded platform to confirm the refund reminder time of a certain credit card account; Can be specially: the refund reminder time that is provided with according to the user under this credit card account of preserving is confirmed constraint condition, confirms the refund reminder time of this credit card account.
Third party's credit card is refunded and is reminded platform to confirm the refund prompting message type of a certain credit card account; Can be specially:, confirm the refund prompting message type of this credit card account according to the refund prompting message type that the user under this credit card account of preserving is provided with; This refund prompting message type can include but not limited to short message and/or Email etc.
Whether third party's credit card refund reminds platform after having confirmed refund reminder time of this credit card account, can monitor the reminder time of refunding to expire.Reminder time expires if refund, and then generates the refund prompting message of respective type, reminds Email like refund reminding short messages and/or refund, and sends to relative users; Otherwise third party's credit card is refunded and is reminded platform to continue to monitor the reminder time of refunding.
In the credit card refund based reminding method that present embodiment provides; Platform is reminded in the third party's credit card refund that is independent of user and bank; Can obtain and comprise that the user comprises the user profile of credit card account; Can carry out the data interaction of bill information with a plurality of different banks, confirm refund reminder time and the refund prompting message type of the refund amount of money, and send in the refund reminder message of the refund reminder time generation respective type of confirming and to relative users greater than zero credit card account based on the information that the user is provided with; Convenience and promptness that the user credit card is refunded and reminded have not only been improved thus; Also can satisfy the individual demand that different user refund to be reminded, thereby help that the user is convenient to receive credit card refund prompting message accurately, and then help reducing the user and exceed the time limit and forget the probability of refund.
One of ordinary skill in the art will appreciate that: accompanying drawing is the synoptic diagram of an embodiment, and module in the accompanying drawing or flow process might not be that embodiment of the present invention is necessary.
One of ordinary skill in the art will appreciate that: the module in the device among the embodiment can be described according to embodiment and be distributed in the device of embodiment, also can carry out respective change and be arranged in the one or more devices that are different from present embodiment.The module of the foregoing description can be merged into a module, also can further split into a plurality of submodules.
One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be accomplished through the relevant hardware of programmed instruction; Aforesaid program can be stored in the computer read/write memory medium; This program the step that comprises said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
What should explain at last is: above embodiment is only in order to explaining technical scheme of the present invention, but not to its restriction; Although with reference to previous embodiment the present invention has been carried out detailed explanation, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these are revised or replacement, do not make the scope of the essence disengaging various embodiments of the present invention technical scheme of relevant art scheme.
Claims (10)
1. third party's credit card is refunded and is reminded platform, it is characterized in that, comprising:
The user profile acquisition module is used to obtain and preserve a plurality of users' user profile; Arbitrary user's said user profile comprises: said arbitrary user's at least one credit card account and affiliated bank thereof, said arbitrary user are provided with refund reminder time is confirmed the refund prompting message type that constraint condition and said arbitrary user are provided with;
The bill information acquisition module is used for bank under each credit card account and sends bill information respectively and obtain request, and receives the bill information that corresponding bank returns and obtain response; Wherein, the bill information that sends to the arbitrary bank request of obtaining comprises: the signal card number of the account that belongs to said arbitrary bank in said each credit card account; The bill information that said arbitrary bank returns obtains response and comprises: obtain the corresponding refund amount of money and the repayment date that expires of credit card account that comprises in the request with the bill information that said arbitrary bank receives;
Number of the account determination module to be reminded is used for confirming that the current refund amount of money of said each credit card account is greater than zero signal card number of the account;
Refund to remind processing module, the refund reminder time that is used for being provided with according to arbitrary credit card account of confirming corresponding expire repayment date and affiliated user thereof is confirmed constraint condition, confirms the reminder time of refunding; In the refund reminder time of confirming,, generate the refund prompting message of respective type and send to relative users according to the refund prompting message type that the user under said definite arbitrary credit card account is provided with; Said refund prompting message comprises: said definite arbitrary credit card account and the corresponding current refund amount of money and the repayment date that expires.
2. platform according to claim 1 is characterized in that,
Said bill information acquisition module also is used to receive the bill lastest imformation that said arbitrary bank sends; Said bill lastest imformation comprises: the bill information that sends with said arbitrary bank obtains the corresponding renewal refund amount of money of credit card account that comprises in the response;
Said number of the account determination module to be reminded also is used for according to said bill lastest imformation, upgrades the corresponding current refund amount of money of corresponding credit card account.
3. platform according to claim 1 is characterized in that, also comprises: the bank information memory module;
Said bank information memory module is used to obtain and preserve the affiliated bank of said each credit card account, and fixing Credit Statement generated day in every month;
Said bill information acquisition module specifically is used for generating day at the fixing Credit Statement of said arbitrary bank every month, sends bill information to said arbitrary bank and obtains request, and receive the bill information that corresponding bank returns and obtain response.
4. platform according to claim 1 is characterized in that, said refund reminds processing module to comprise:
Reminder time of refunding is confirmed the unit; The refund reminder time that is used for being provided with according to said definite arbitrary credit card account corresponding expire repayment date and affiliated user thereof is confirmed constraint condition, confirms said definite corresponding refund reminder time of arbitrary credit card account;
Refund prompting message type is confirmed the unit, is used for the refund prompting message type that is provided with according to the user under said definite arbitrary credit card account, confirms said definite corresponding refund prompting message type of arbitrary credit card account; Said refund prompting message type comprises: short message and/or Email;
Refund reminding short messages processing unit is used for when said definite corresponding refund prompting message type of arbitrary credit card account of confirming is short message, generates the refund reminding short messages and sends to relative users;
E-mail processing element is reminded in refund, is used for when said definite corresponding refund prompting message type of arbitrary credit card account of confirming is Email, and the generation refund is reminded Email and sent to relative users.
5. platform according to claim 1 is characterized in that, said user profile acquisition module comprises:
User profile is provided with the unit, is used to receive the said user profile that said arbitrary user is provided with;
User information storage unit is used to preserve said user profile the said user profile that the unit receives is set.
6. a credit card refund system for prompting is characterized in that, comprising:
Platform is reminded in arbitrary described third party's credit card refund like claim 1-5, and
Respectively with the refund server of a plurality of different banks of reminding platform to communicate by letter to be connected of said third party's credit card; The server stores of arbitrary bank has: credit card account that said arbitrary bank has provided and corresponding bill information thereof.
7. a credit card refund based reminding method is characterized in that, comprising:
Obtain and preserve a plurality of users' user profile; Arbitrary user's said user profile comprises: said arbitrary user's at least one credit card account and affiliated bank thereof, said arbitrary user are provided with refund reminder time is confirmed the refund prompting message type that constraint condition and said arbitrary user are provided with;
Bank under each credit card account sends bill information respectively and obtains request, and receives the bill information that corresponding bank returns and obtain response; Wherein, the bill information that sends to the arbitrary bank request of obtaining comprises: the signal card number of the account that belongs to said arbitrary bank in said each credit card account; The bill information that said arbitrary bank returns obtains response and comprises: obtain the corresponding refund amount of money and the repayment date that expires of credit card account that comprises in the request with the bill information that said arbitrary bank receives;
Confirm that the current refund amount of money is greater than zero signal card number of the account in said each credit card account;
The refund reminder time that is provided with according to arbitrary credit card account of confirming corresponding expire repayment date and affiliated user thereof is confirmed constraint condition, confirms the reminder time of refunding; In the refund reminder time of confirming,, generate the refund prompting message of respective type and send to relative users according to the refund prompting message type that the user under said definite arbitrary credit card account is provided with; Said refund prompting message comprises: said definite arbitrary credit card account and the corresponding current refund amount of money and the repayment date that expires.
8. method according to claim 7 is characterized in that, after the bill information that receives the transmission of said arbitrary bank obtains response, also comprises:
Receive the bill lastest imformation that said arbitrary bank sends; Said bill lastest imformation comprises: the bill information that sends with said arbitrary bank obtains the corresponding renewal refund amount of money of credit card account that comprises in the response;
According to said bill lastest imformation, upgrade the corresponding current refund amount of money of corresponding credit card account.
9. method according to claim 7 is characterized in that,
Before said arbitrary bank transmission bill information obtained request, also comprise: obtain and preserve the affiliated bank of said each credit card account, fixing Credit Statement generated day in every month;
Send bill information to said arbitrary bank and obtain request, be specially: every month fixing Credit Statement generates day in said arbitrary bank, sends bill information to said arbitrary bank and obtains request.
10. method according to claim 7 is characterized in that, said refund prompting message type comprises: short message and/or Email.
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