TWI776526B - Card prompting system and card prompting method - Google Patents

Abstract

A card prompting system is suitable for communicating with a terminal electronic device operated by a client, and includes a database server and a management server. The database server stores a plurality of authorization records for a card held by the client. The management server is electrically connected to the database server. For each authorization record, the management server determines whether the authorization record contains a mobile payment identification data indicating one of a plurality of mobile payments. When the management server determines that the authorization record contains the mobile payment identification data indicating one of the mobile payment, the management server generates an instruction to bind the card to the mobile payment indicated by the mobile payment identification data and Binding action payment reminder data for the terminal electronic device to read.

Description

Card reminder system and card reminder method

The present invention relates to a prompt system, in particular to a card prompt system. The present invention also relates to a card prompting method.

Chinese people use credit cards and debit cards as payment tools with a high penetration rate. Compared with swiping directly with a physical card, binding mobile payment or electronic payment provides higher convenience and is now a common payment type. In addition, the subscription economy has become prominent, and many users of credit cards and debit financial cards accept binding or contracting of credit cards and debit debit cards to merchants to facilitate future consumption deductions.

Credit cards and debit cards may be expired or lost and need to be replaced. After the credit card and charge debit card are exchanged for a replacement card, the card number of the credit card and debit debit card will be changed, and the binding settings of various payments and the agreement settings of withholding will be invalid.

At present, credit card and debit debit card users mostly realize that they need to re-apply for settings when they fail to pay by credit card or receive a notification from the merchant that they cannot deduct the payment. Therefore, how to develop a new system that can provide the setting information of payment binding or contracted withholding when the customer replaces the card is a further subject of the present invention.

Therefore, the purpose of the present invention is to provide a card prompting system.

Another object of the present invention is to provide a card prompting method.

Therefore, the card prompting system of the present invention is suitable for communicating with a terminal electronic device operated by a client, and includes a database server and a management server. The database server stores a plurality of authorization records for a card held by the client. The management server is electrically connected to the database server.

For each authorization record, the management server determines whether the authorization record contains a mobile payment identification data indicating one of a plurality of mobile payments.

When the management server determines that the authorization record contains the mobile payment identification data indicating one of the mobile payment, the management server generates an instruction to bind the card to the mobile payment indicated by the mobile payment identification data and Binding action payment reminder data for the terminal electronic device to read.

In some implementations, when the management server determines that the authorization record does not contain the mobile payment identification data indicating one of the mobile payments, the management server determines whether an input method data included in the authorization record indicates whether The online store transaction mode in which the card number of the card is stored in the database is displayed.

When the management server determines that the input method data contained in the authorization record indicates an online store transaction mode in which the card number of the card is stored in the database, the management server generates a transaction mode for the terminal electronic device to read according to the authorization record The obtained binding electronic payment reminder data indicates an electronic payment related to the authorization record or a related merchant name.

In some implementations, when the management server determines that the input method data included in the authorization record is not an online store transaction mode indicating that the card number of the card is stored in the database, the management server determines that the authorization record includes Whether the input method data indicates manual input.

When the management server determines that the input mode data included in the authorization record indicates manual input, the management server determines whether the business name related to the authorization record matches one of a plurality of first predetermined business names.

When the management server determines that the merchant name related to the authorization record matches one of the first predetermined merchant names, the management server generates a bound electronic payment presumed data for the terminal electronic device to read, the The binding electronic payment speculative data indicates the merchant name associated with the authorization record.

The card prompting method of the present invention is implemented by a card prompting system. The card prompting system is suitable for communication with a terminal electronic device operated by a client, and includes a database server and a management server. The database server A plurality of authorization records of a card held by the client are stored, the management server is electrically connected to the database server, and the method includes: for each authorization record, the management server determines whether the authorization record contains an indication indicating a mobile payment identification data for one of a plurality of mobile payments; and when the management server determines that the authorization record contains the mobile payment identification data indicating one of the mobile payments, the management server generates an instruction indicating the mobile payment The card is bound to the mobile payment indicated by the mobile payment identification data and is bound to the mobile payment reminder data for the terminal electronic device to read.

The card prompting system of the present invention is suitable for communicating with a terminal electronic device operated by a client, and includes a database server and a management server. The database server stores a plurality of authorization records for a card held by the client. The management server is electrically connected to the database server.

For each authorization record, the management server determines whether the authorization record contains a certain period flag.

When the management server determines that the authorization record contains the periodic flag, the management server generates a contracted withholding reminder data indicating a merchant name related to the authorization record and read by the terminal electronic device.

In some implementations, the management server filters out one or more sets of authorization records from the authorization records that do not contain the periodic flag, and generates corresponding one or more sets of authorization records indicating that the group of authorization records is related The business name and the contracted withholding speculation data to be read by the terminal electronic device, wherein the authorization amount of the authorization records of each group of authorization records is the same, and the authorization date of the authorization records has a fixed period, and the authorization records of each group of authorization records have the same authorization amount. The business name associated with the authorization record is the same.

In some implementation aspects, the merchant name associated with each set of authorization records corresponds to one of a plurality of second predetermined merchant names.

The card prompting method of the present invention is implemented by a card prompting system. The card prompting system is suitable for communication with a terminal electronic device operated by a client, and includes a database server and a management server. The database server A plurality of authorization records of a card held by the client are stored, the management server is electrically connected to the database server, and the method includes: for each authorization record, the management server determines whether the authorization record includes a certain period of time flag; and when the management server determines that the authorization record contains the periodic flag, the management server generates a contracted withholding reminder indicating a merchant name related to the authorization record and read by the terminal electronic device material.

The effect of the present invention is: by generating the binding action payment reminder data when the authorization record includes the mobile payment identification data indicating one of the action payments, and by the input method when the authorization record includes The data indicates that when the card number of the card is stored in the online store transaction mode of the database, the binding electronic payment reminder data is generated, and is determined by when the merchant name related to the authorization record matches the first predetermined merchant name. One is to generate the bound electronic payment presumed data for the customer's reference and to reset the payment binding settings in time, and the other is to generate the agreed withholding reminder data when the authorization record includes the periodic flag, And by filtering out one or more sets of authorization records and generating one or more corresponding contracted withholding speculation data for the customer's reference and reset the contractual setting of the withholding in time.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are designated by the same reference numerals.

Referring to FIG. 1 , a first embodiment of the card prompting system 100 of the present invention is suitable for communicating with a terminal electronic device 200 operated by a client, and includes a database server 1 and a management server 2 . The terminal electronic device 200 is, for example, a smart phone, a tablet computer, a laptop computer or a desktop computer.

The database server 1 stores multiple authorization records of a card held by the client. The card is, for example, a credit card or a debit card. The management server 2 is electrically connected to the database server 1 .

Referring to FIG. 1 and FIG. 2 , the steps performed by the card prompting system 100 for each authorization record are described below. First, as shown in step S01, the management server 2 determines whether the authorization record contains a mobile payment identification data indicating one of a plurality of mobile payments (such as Apple Pay, Samsung Pay and Android Pay), and if so, executes Step S02, if not, execute Step S03.

Step S02 is when the management server 2 determines that the authorization record contains the mobile payment identification data indicating one of the mobile payments, the management server 2 generates an instruction indicating that the card is bound to the mobile payment identification data. The mobile payment is sent out and is bound to the mobile payment reminder data for the terminal electronic device 200 to read.

Step S03 is when the management server 2 determines that the authorization record does not contain the mobile payment identification data indicating one of the mobile payments, the management server 2 determines that the authorization record contains an input mode data (POS Entry Mode). ) indicates whether the card number of the card is stored in the online store transaction mode (Credential on file, represented by parameter value 10, for example), if so, go to step S04, if not, go to step S05.

Step S04 is when the management server 2 determines that the input method data contained in the authorization record indicates an online store transaction mode in which the card number of the card is stored in the database, the management server 2 generates a transaction mode according to the authorization record. Binding electronic payment reminder data read by the terminal electronic device 200, the binding electronic payment reminder data indicates an electronic payment (such as line pay, icash, one-card, etc.) related to the authorization record or a related merchant name .

Step S05 is when the management server 2 determines that the input method data included in the authorization record is not an online store transaction mode indicating that the card number of the card is stored in the database, the management server 2 determines that the authorization record includes the Whether the input mode data indicates manual entry (manual entry, for example, represented by a parameter value of 01), if so, execute step S06, if not, end.

Step S06 is when the management server 2 determines that the input method data included in the authorization record indicates manual input, the management server 2 determines whether the business name related to the authorization record conforms to a plurality of first predetermined business names. One, if yes, execute step S07, if no, end.

Step S07 is when the management server 2 determines that the business name related to the authorization record matches one of the first predetermined business names, the management server 2 generates a binding for the terminal electronic device 200 to read Electronic payment presumption data, the bound electronic payment presumption data indicates the merchant name related to the authorization record. The first predetermined merchant names are, for example, names of merchants that have cooperative relations with electronic payment providers.

In this embodiment, the management server 2 provides the client with a web address by means of, for example, instant messaging, APP push broadcasting, email or SMS, for the client to use the terminal electronic device 200 to link to the web address to read the binding action Payment reminder data, the bound electronic payment reminder data, and the bound electronic payment speculation data.

Referring to FIG. 1 and FIG. 3 , the following describes the steps performed by a second embodiment of the card prompting system 100 of the present invention for each authorization record. First, as shown in step S11 , the management server 2 determines whether the authorization record contains a certain period flag (Recurrent flag), if yes, executes step S12 , if not, ends.

In step S12, when the management server 2 determines that the authorization record includes the periodic flag, the management server 2 generates a contract code indicating a business name related to the authorization record and is read by the terminal electronic device 200. Withhold information.

Referring to FIG. 1 and FIG. 4 , the following describes the steps performed by the second embodiment of the card prompting system 100 of the present invention for the authorization records that do not contain the periodic flag. First, as shown in step S21, the management server 2 selects one or more groups of authorization records from the authorization records that do not contain the periodic flag, and the authorization records of each group of authorization records have the same authorization amount, and An authorization date of the authorization records has a fixed period, and the merchant names related to the authorization records are the same, and the related merchant name matches one of a plurality of second predetermined merchant names. In this embodiment, the names of the second predetermined merchants are, for example, the names of merchants that cooperate with the deduction service (eg, an audio and video subscription service/fitness center/insurance/telecom/4th station/donation merchant).

Next, as shown in step S22 , the management server 2 generates one or more corresponding contracted withholding speculation data indicating the merchant name related to the set of authorization records for the terminal electronic device 200 to read.

To sum up, the card reminder system 100 of the present invention generates the binding action payment reminder data when the authorization record contains the mobile payment identification data indicating one of the action payments, and generates the binding action payment reminder data when the authorization record contains the mobile payment identification data indicating one of the action payments The included input method data indicates that the online store transaction mode in which the card number is stored in the database generates the bound electronic payment reminder data, and is generated by the merchant name associated with the authorization record in accordance with the first and second clauses. Generate the bound electronic payment speculation data when one of the predetermined merchant names is used for the customer's reference and reset the payment binding settings in time, and further, by generating the agreement when the authorization record contains the periodic flag Withholding reminder data, and by filtering out one or more sets of authorization records and generating one or more corresponding contracted withholding speculation data for the customer's reference and timely reset the contractual setting of withholding, it can indeed be achieved object of the present invention.

However, the above are only examples of the present invention, and should not limit the scope of implementation of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the contents of the patent specification are still included in the scope of the present invention. within the scope of the invention patent.

100: Card reminder system 1: Database server 2: Manage the server 200: Terminal Electronics S01~S07: Steps S11~S12: Steps S21~S22: Steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, wherein: 1 is a schematic diagram of a hardware connection relationship of a first embodiment of the card prompting system of the present invention; Fig. 2 is a flow chart of this first embodiment; 3 is a flow chart of a second embodiment of the card prompting system of the present invention; and Figure 4 is another flow chart of the second embodiment.

100: Card reminder system

1: Database server

2: Manage the server

200: Terminal Electronics

Claims (6)

A card prompting system is suitable for communicating with a terminal electronic device operated by a client, and comprises: a database server storing multiple authorization records of a card held by the client; and a management server, electronically connected to the database server; for each authorization record, the management server determines whether the authorization record contains a mobile payment identification data indicating one of a plurality of mobile payments; when the management server determines that the authorization record Including the mobile payment identification data indicating one of the mobile payment, the management server generates a binding instructing the card to bind the mobile payment indicated by the mobile payment identification data and read by the terminal electronic device Mobile payment reminder data; when the management server determines that the authorization record does not contain the mobile payment identification information indicating one of the mobile payments, the management server determines whether an input method data contained in the authorization record indicates that the The card number of the card is stored in the online store transaction mode of the database; when the management server determines that the input method data contained in the authorization record indicates that the card number of the card is stored in the online store transaction mode of the database, the The management server generates a binding electronic payment reminder data for the terminal electronic device to read according to the authorization record, and the binding electronic payment reminder data indicates an electronic payment related to the authorization record or a related merchant name; When the management server determines that the input method data contained in the authorization record is not an online store transaction mode indicating that the card number of the card is stored in the database, the management server determines whether the input method data contained in the authorization record indicates that Manual input; when the management server determines that the input method data contained in the authorization record indicates manual input, the management server determines whether the business name related to the authorization record matches one of a plurality of first predetermined business names when the management server determines that the merchant name related to the authorization record matches one of the first predetermined merchant names, the management server generates a bound electronic payment presumed data for the terminal electronic device to read , the bound electronic payment speculation data indicates the merchant name related to the authorization record. A card prompting method is implemented by a card prompting system, the card prompting system is suitable for communicating with a terminal electronic device operated by a client, and includes a database server and a management server, the database server stores There are multiple authorization records for a card held by the client, the management server is electrically connected to the database server, and the method includes: for each authorization record, the management server determines whether the authorization record contains multiple authorization records. A mobile payment identification data of one of the mobile payments; when the management server determines that the authorization record contains the mobile payment identification data indicating one of the mobile payments, the management server generates a message indicating that the card is bound determine the mobile payment identifier indicated by the Mobile payment and binding mobile payment reminder data for the terminal electronic device to read; when the management server determines that the authorization record does not contain the mobile payment identification information indicating one of the mobile payments, the management server determines that Whether an input mode data contained in the authorization record indicates the online store transaction mode in which the card number of the card is stored in the database; when the management server determines that the input mode data contained in the authorization record indicates that the card is The online store transaction mode in which the card number is stored in the database, the management server generates a binding electronic payment reminder data for the terminal electronic device to read according to the authorization record, and the binding electronic payment reminder data indicates the authorization record. A related electronic payment or a related business name; when the management server determines that the input method data contained in the authorization record does not indicate an online store transaction mode in which the card number of the card is stored in the database, the management server The management server determines whether the input mode data contained in the authorization record indicates manual input; when the management server determines that the input mode data contained in the authorization record indicates manual input, the management server determines that the authorization record is related to the Whether the business name matches one of a plurality of first predetermined business names; and when the management server determines that the business name associated with the authorization record matches one of the first predetermined business names, the management server generates a Binding electronic payment presumption data for the terminal electronic device to read, the binding electronic payment presumption data indicates that the authorization record is related The business name. A card prompting system is suitable for communicating with a terminal electronic device operated by a client, and comprises: a database server storing multiple authorization records of a card held by the client; and a management server, electronically Connect to the database server; for each authorization record, the management server determines whether the authorization record contains a certain period flag; when the management server determines that the authorization record contains the period flag, the management server generates A contracted withholding reminder data indicating a merchant name related to the authorization record and read by the terminal electronic device; the management server filters out one or more groups of authorizations from the authorization records that do not contain the periodic flag record, and generate corresponding one or more contracted withholding speculation data indicating the business name related to the group of authorization records and read by the terminal electronic device, wherein one of the authorization records of each group of authorization records is The authorization amount is the same, and an authorization date of the authorization records has a fixed period, and the business name related to the authorization records is the same. The card prompting system according to claim 3, wherein the merchant name related to each group of authorization records matches one of a plurality of second predetermined merchant names. A card prompting method is implemented by a card prompting system, the card prompting system is suitable for communicating with a terminal electronic device operated by a client, and includes a database server and a management server, the database server stores There are multiple authorization records for a card held by the client, the management server Connecting to the database server, the method includes: for each authorization record, the management server determines whether the authorization record contains a periodic flag; when the management server determines that the authorization record contains the periodic flag, the The management server generates a contracted withholding reminder data that indicates a business name related to the authorization record and is read by the terminal electronic device; and the management server filters out the authorization records that do not contain the periodic flag. group or groups of authorization records, and generate corresponding one or more contracted withholding speculation data indicating the business name related to the group of authorization records and read by the terminal electronic device, wherein the An authorization amount of the authorization records is the same, and an authorization date of the authorization records has a fixed period, and the business name related to the authorization records is the same. The card prompting method according to claim 5, wherein the merchant name related to each set of authorization records matches one of a plurality of second predetermined merchant names.

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