TWI810480B - Device for reconfirming transaction when transaction is judged to be impulsive consumption and method thereof - Google Patents

Abstract

A device for reconfirming a transaction when the transaction is judged to be impulsive consumption and a method thereof are provided. By obtaining a communication data and a financial data in accordance with a credit card data, using the communication data to transmit a notification message to a client when the transaction is judged to be impulsive consumption based on the financial data and a transaction data, and producing an authorization result indicating the transaction is allowed or rejected according to a confirm message sent from the client, the system and the method can improve correct rate of judging impulsive consumption, and can achieve the effect of reducing transaction smoothness for allowing more time to calm down and think about whether to trade.

Description

Device and method for reconfirming transactions when judging that the transaction is impulsive consumption

A transaction confirmation device and method thereof, especially a device and method for reconfirming a transaction when it is judged that the transaction is impulsive consumption.

Credit card transaction is a payment method for non-cash transactions, and it is a credit service provided by banks or credit card companies. Banks or credit card companies can issue cards to customers according to their creditworthiness and financial strength. Customers do not need to pay cash when spending with credit cards, but repay when they receive the bill.

Due to the convenience of credit card transactions and deferred payment, cardholders tend to buy unnecessary goods or luxury goods on impulse, resulting in inability to pay when receiving credit card bills, or affecting their quality of life due to payment, and even eventually Due to credit flaws, it will have a major impact on the future of cardholders, and at the same time increase the risk of bad debts for card issuers.

At present, most banks or credit card companies have risk control mechanisms. The risk control mechanisms may reject cardholder transactions when cardholders purchase specific commodities/luxury goods or purchase commodities in specific stores, making cardholders People are free from risks/abnormalities/controversies/stolen brushes. However, the risk control mechanism is actually to prevent cardholders from being stolen, not to prevent cardholders from impulsive consumption. Therefore, the existing risk control mechanism can only reduce the disputed consumption of non-cardholders swiping cards, and cannot be effective. It is difficult to judge whether the cardholder is impulsive consumption, that is to say, the existing risk control mechanism cannot judge whether the cardholder has the ability to pay the card swiping fee, nor can it reduce the possibility of bad debts.

In addition, when the cardholder's transaction is rejected, if the cardholder really wants to swipe the card for consumption, the cardholder needs to take the initiative to contact the customer service of the issuing bank or credit card company before successfully swiping the card. However, the customer service of the issuing bank or credit card company The phone often needs to wait for a period of time to talk to the customer service smoothly, which causes inconvenience to the cardholder and wastes the time of the cardholder.

To sum up, it can be seen that there has been a problem in the prior art for a long time that it is impossible to effectively judge whether the cardholder's swiping transaction is impulsive consumption. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem in the prior art that it is impossible to effectively determine whether the cardholder’s card swiping transaction is impulsive consumption, the present invention discloses a device and method for reconfirming the transaction when it is determined that the transaction is impulsive consumption, wherein:

The device for reconfirming the transaction when judging that the transaction is impulsive consumption disclosed by the present invention at least includes: a communication module, used to receive transaction data including credit card information; a data acquisition module, used to obtain information including customer communication information and Customer information of customer financial information; consumption evaluation module, which is used to generate notification messages when judging that the transaction is impulsive consumption based on customer financial information and transaction information, so that the communication module sends notification messages to the client based on customer communication information, and receives customers The confirmation message sent by the terminal; the authorization judgment module is used to select and generate an authorization result indicating authorization or non-authorization according to the confirmation message, so that the communication module returns the authorization result.

The method for reconfirming the transaction disclosed in the present invention when judging that the transaction is impulsive consumption is applied to the server of the card issuing bank. The steps at least include: receiving transaction data including credit card information; obtaining information including customer communication data and customer financial data according to the credit card data. Customer information; when the transaction is judged to be impulsive consumption based on the customer's financial information and transaction information, a notification message is generated; a notification message is sent to the client based on the customer's communication information, and the confirmation message sent by the client is received; according to the confirmation message, choose to generate authorization or The authorization result of non-authorization; return the authorization result.

The device and method disclosed in the present invention are as above, and the difference between it and the prior art is that the present invention obtains customer communication data and customer financial data based on the credit card data in the transaction data, and judges the transaction as impulsive consumption based on the customer financial data and transaction data. At the same time, the notification message is sent to the client terminal according to the customer communication data, and the authorization result of allowing the transaction or rejecting the transaction is selected according to the confirmation message sent back by the client terminal, so as to solve the problems existing in the previous technology, and can achieve the goal of increasing transactions. Smoothness allows cardholders to have more time to calm down and think about whether to conduct transactions and can reduce the potential risk of bad debts of card issuers.

The features and implementation methods of the present invention will be described in detail below in conjunction with the drawings and embodiments, the content is enough to enable anyone familiar with the relevant art to easily and fully understand the technical means used to solve the technical problems of the present invention and implement them accordingly, thereby realizing The effect that the present invention can achieve.

According to the cardholder's customer financial data and transaction data, the present invention can determine that the cardholder's credit card swiping transaction is impulsive consumption, and then send a notification message to the cardholder's mobile device, so that the cardholder can reconfirm whether the transaction is impulsive consumption. trade.

Among them, the customer financial information mentioned in the present invention is the financial related information related to the cardholder, including but not limited to account transaction records (such as monthly fixed income, normal cash withdrawal and transfer amount, etc.), credit card transaction records, credit card payment Payment records (such as full payment or use cycle, and the payment rate of the amount during the use cycle), and asset information (such as deposit balance, loan balance, collateral amount, etc.), etc.

The following first illustrates the system operation of the present invention by referring to "Fig. 1" the system structure diagram of the system structure diagram for reconfirming the transaction when the transaction is judged as impulsive consumption in the present invention. As shown in FIG. 1 , the system of the present invention includes a card reader 110 , an acquirer server 130 , a card issuer server 150 , and a mobile device 170 . Wherein, the card reader 110, the acquirer server 130, the issuer server 150, and the mobile device 170 may be computing devices.

The computing device mentioned in the present invention includes but is not limited to one or more processing modules, one or more memory modules, and hardware such as buses connecting different hardware components (including memory modules and processing modules). body element. Through the included multiple hardware components, the computing device can load and execute the operating system, so that the operating system can run on the computing device, and can also execute software or programs. In addition, the computing device also includes a casing, and the above-mentioned hardware components are arranged in the casing.

The bus of the computing device mentioned in the present invention can include one or more types, such as data bus (data bus), address bus (address bus), control bus (control bus), expansion function bus ( expansion bus), and/or local bus (local bus) and other types of bus. Buses for computing devices include, but are not limited to, Industry Standard Architecture (ISA) buses, Peripheral Component Interconnect (PCI) buses, Video Electronics Standards Association (VESA) boards Domain bus, and serial universal serial bus (Universal Serial Bus, USB), fast peripheral component interconnection (PCI Express, PCI-E/PCIe) bus, etc.

The processing module of the computing device mentioned in the present invention is coupled to the bus bar. The processing module includes a register group or register space, which can be completely set on the processing chip of the processing module, or all or part of it is set outside the processing chip and coupled to the handle wafer via dedicated electrical connections and/or via bus bars. The processing module can be a central processing unit, a microprocessor or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processing modules, the processing modules included in the computing device are all the same or similar, and are coupled and communicated through a bus. A processing module can interpret a computer instruction or a series of multiple computer instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., to drive other hardware in the computing device components or run the operating system or execute various programs and/or modules.

Computing devices usually also contain one or more chipsets (Chipsets). The processing module of the computing device can be coupled to the chip set or electrically connected to the chip set through a bus bar. The chipset is composed of one or more integrated circuits (Integrated Circuit, IC), including memory controllers and peripheral input/output (I/O) controllers, etc., that is, memory controllers and peripheral I/O controllers A circuit breaker can be contained in one integrated circuit or implemented using two or more integrated circuits. Chipsets usually provide input/output and memory management functions, and provide multiple general and/or special registers, timers, etc., wherein the above general and/or special registers and timers can be coupled or Accessed or used by one or more processing modules electrically connected to the chipset.

The processing module of the computing device can also access the data in the memory module and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory modules include any type of volatile memory (volatile memory) and/or non-volatile (non-volatile memory, NVRAM) memory, such as static random access memory (Static Random Access Memory, SRAM) , Dynamic Random Access Memory (Dynamic Random Access Memory, DRAM), Read-Only Memory (Read-Only Memory, ROM), Flash memory (Flash memory), etc. The above-mentioned large-capacity storage area can include any type of storage device or storage medium, such as hard disk drive, optical disc (optical disc), flash drive (flash drive), memory card (memory card), solid state hard disk (Solid State Disk) , SSD), or any other storage device, etc. That is to say, the memory controller can access data in SRAM, DRAM, flash memory, hard disk drive, and solid-state hard disk.

The processing module of the computing device can also be connected and communicated with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral I/O controller via the peripheral I/O bus. The peripheral input device can be any type of input device, such as keyboard, mouse, trackball, touch pad, joystick, etc., and the peripheral output device can be any type of output device, such as display, printer, etc., peripheral input device It can also be the same device as the peripheral output device, such as a touch screen. The communication interface may include a wireless communication interface and/or a wired communication interface, and the wireless communication interface may include support for a wireless local area network (such as Wi-Fi, Zigbee, etc.), Bluetooth, infrared, near-field communication (Near-field communication, NFC), 3G/4G/5G and other mobile communication network (cellular network) or other wireless data transmission protocol interface, wired communication interface can be Ethernet device, DSL modem, cable (Cable) modem, asynchronous transmission Mode (Asynchronous Transfer Mode, ATM) device, or optical fiber communication interface and/or components, etc. The processing module can periodically poll (polling) various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device with the hardware components described above to communicate.

The credit card machine 110 can obtain the card data (also referred to as credit card data in the present invention) of the credit card 400 . Generally speaking, the credit card machine 110 can obtain credit card information by contacting or sensing the credit card 400 , but the present invention is not limited thereto. Wherein, the credit card information includes a credit card number and verification information.

The credit card machine 110 can also generate transaction data. The transaction data generated by the credit card machine 110 includes but not limited to credit card information, transaction amount, special store information, etc. In some embodiments, the transaction data may also include transaction commodity information. Wherein, the transaction amount can be input by the card reader 110, but the present invention is not limited thereto; the special store information includes the special store number (or special store identification data), and in some embodiments, it can also include the special store name , location information and/or type, etc.; commodity information may include the name, identification data, quantity and/or type of the commodity.

The card reader 110 can be connected to the acquiring bank server 130 or the issuing bank server 150 through a wired network or a wireless network, and can transmit data or signals to the acquiring bank server 130/issuing bank server 150, and can also receive the acquiring bank The data or signal sent by the server 130/the server 150 of the issuing bank. The card reader 110 can transmit the obtained transaction data to the acquirer server 130 , and can also receive the authorization result transmitted by the acquirer server 130 . Wherein, the authorization result may indicate that the transaction is allowed or rejected. It is worth mentioning that the card reader 110 can transmit different content in the transaction data through different communication methods or different communication times. For example, the card reader 110 can first send the credit card information, transaction amount, and special store information to the acquirer server. server 130, and then transmits the commodity information to the server 150 of the issuing bank.

The card reader 110 can also generate a corresponding transaction result according to the received authorization result, and can display the generated transaction result. For example, the card reader 110 may generate a transaction result indicating that the transaction is successful when the authorization result indicates that the transaction is permitted, or may generate a transaction result indicating that the transaction is rejected when the authorization result indicates that the transaction is rejected.

The acquirer server 130 can be connected to the card reader 110 and the card issuer server 150 through a wired or wireless network, and can transmit data or signals to the card reader 110/the card issuer server 150, and can also receive the card reader 110/the card issuer Data or signals sent by the server 150 . For example, the acquiring bank server 130 can receive the transaction data sent by the card reader 110, and can transmit the received transaction data to the card issuing bank server 150; it can also receive the authorization result sent by the card issuing bank server 150, and The received authorization result may be transmitted to the card reader 110 .

The card issuing bank server 150 can determine whether the cardholder's card swiping transaction is impulsive consumption, and can generate an authorization result corresponding to the cardholder's transaction based on the confirmation message sent by the mobile device 170 .

The issuing bank server 150 may include a processing module 210 and a communication module 230 as shown in "Fig. 2" the component schematic diagram of the device for reconfirming the transaction when the transaction is determined to be impulsive consumption in the present invention.

The processing module 210 can execute one or a group of computer instructions, and can generate a data acquisition module 221 , a consumption evaluation module 222 , and an authorization judgment module 223 after executing the computer instructions.

The data obtaining module 221 is responsible for obtaining customer data according to the credit card data received by the communication module 230 . The customer information acquired by the data acquisition module 221 includes customer basic information, customer communication information and customer financial information. Among them, the basic customer information may include name, date of birth, occupation, identity, etc., and the customer communication information may include mobile phone number, email account, and push identification information, but the basic customer information and customer communication information are not limited to the above.

Generally speaking, the data obtaining module 221 can obtain customer identification data according to the credit card data received by the communication module 230, and obtain customer information according to the obtained customer identification data. The customer identification data obtained by the data acquisition module 221 can be ID card number, passport number, visa number, or the internal number of the issuing bank, etc., which can represent the cardholder's data. The storage medium (not shown in the figure) in the device 150 or connected to the storage device (not shown in the figure) connected to the server 150 of the issuing bank reads the customer identification data corresponding to the credit card data, but the data acquisition module 221 The method of obtaining customer identification data is not limited to the above; the data acquisition module 221 can read out the customer information associated with the obtained customer identification data from the storage medium (not shown in the figure) set in the server 150 of the card issuing bank. The data can also be connected to a storage device connected to the issuing bank server 150, an internal server of the issuing bank (not shown in the figure), or an external server (not shown in the figure) and based on the obtained customer identification information Query related customer data. For example, the data acquisition module 221 can query the basic customer information, customer communication data, and part of customer financial information from storage media, storage devices, and in-bank servers. The data acquisition module 221 can also be obtained by Customer financial information in the external server query section. Among them, the above-mentioned external servers include but are not limited to servers provided by other banks or financial institutions, joint credit card centers, and government agencies.

The consumption evaluation module 222 is responsible for judging whether the transaction made by the cardholder is impulsive consumption according to the customer's financial data in the customer data obtained by the data acquisition module 221 and the transaction data received by the communication module 230 . For example, the consumption evaluation module 222 can judge the transaction made by the cardholder based on the account transaction records contained in the customer's financial data, the credit card transaction records and the transaction amount in the transaction data, such as Bollinger band Whether it is impulsive consumption, in more detail, the consumption evaluation module 222 can first define the unit time, and calculate the unit time income and expenditure balance and the single movement in the past period of time based on the account transaction records and credit card transaction records included in the customer's financial information Consumption amount, and define the consumption acceptance data based on the calculated income and expenditure balance per unit time, and then calculate the acceptance threshold value based on the calculated mobile single consumption amount, the defined consumption acceptance data, and the defined unit time, and Judging whether the transaction made by the cardholder is impulsive consumption based on whether the transaction amount contained in the transaction data is greater than the calculated acceptance threshold; but the consumption evaluation module 222 determines whether the transaction conducted by the cardholder is impulsive The method is not limited to the above.

The consumption evaluation module 222 can also judge whether the transaction made by the cardholder is impulsive consumption according to the account transaction records contained in the customer's financial information, the credit card transaction records and the transaction amount in the transaction information, and first base on the commodity information in the transaction information. The message determines whether the transaction made by the cardholder is impulsive consumption. For example, the consumption evaluation module 222 can pre-establish the impulse values corresponding to various commodities or various commodity types, and can calculate the sum of the impulse values of all commodities in the commodity information received by the communication module 230, when the calculated When the total sum is higher than the impulsive threshold, judge whether the transaction made by the cardholder is impulsive consumption according to the customer's financial information and transaction amount; Whether there are commodities higher than the threshold value of impulse, if so, it is judged that the transaction made by the cardholder is impulsive consumption, and vice versa. Wherein, the impulse threshold value may be a predetermined value, or may be calculated by the consumption evaluation module 222 .

The consumption evaluation module 222 can also judge the transaction conducted by the cardholder according to the customer's financial data in the customer data obtained by the data acquisition module 221 and the transaction data received by the communication module 230 when judging that the transaction is impulsive consumption. Whether it will have a major impact on cardholders after its establishment, such as foreclosure of collateral or insufficient cash flow. For example, the consumption evaluation module 222 can make predictions based on the account transaction records, credit card payment records, asset data and other data contained in the customer's financial data and the transaction amount contained in the transaction data, and determine whether the transaction will be beneficial to the cardholder after the transaction is established. In more detail, the consumption evaluation module 222 can evaluate the customer's total assets based on account transaction records, credit card payment records, and asset data, and determine whether the transaction amount is greater than a specific ratio of the evaluated customer's total assets (such as 1 %).

The consumption assessment module 222 can also generate a notification message when the transaction is judged to be an impulsive consumption. The consumption evaluation module 222 can also add corresponding prompts to the generated notification messages when it is judged that the transaction will have a significant impact on the cardholder, for example, when the transaction amount is judged to be greater than a specific percentage of the evaluated customer's total assets , such as prominent reminders and/or revealing asset status to alert cardholders.

The authorization judging module 223 is responsible for selecting and generating a corresponding authorization result according to the confirmation message received by the communication module 230 . For example, when the confirmation message indicates that the transaction is confirmed, the authorization judging module 223 can generate an authorization result indicating that the transaction is allowed, and when the confirmation message indicates that the transaction is cancelled, the authorization judging module 223 can generate an authorization result indicating that the transaction is rejected.

The communication module 230 can be connected with the card reader 110, the acquirer server 130 and the mobile device 170 through a wired or wireless network, and can transmit data or signals to the card reader 110/acquirer server 130/mobile device 170, or Receive data or signals sent by the card reader 110 /acquirer server 130 /mobile device 170 .

The communication module 230 is responsible for receiving transaction data. The transaction data received by the communication module 230 is generated by the card reader 110. Generally speaking, the communication module 230 can receive the transaction data from the acquirer server 130, but the present invention is not limited thereto. For example, transaction The data can also be provided by other systems (not shown) running on the server 150 of the card issuing bank, and the communication module 230 can also receive part of the transaction data from the server 130 of the acquiring bank, and the other system can be received by the card reader 110 Part of the transaction data.

The communication module 230 is also responsible for sending a notification message to the client according to the client communication data obtained by the data obtaining module 221 . Wherein, the client may be the mobile device 170 , or an application program installed on the mobile device 170 .

When the customer communication data is the push identification data, the communication module 230 can push the consumption evaluation module according to the device identification data of the mobile device 170 included in the push identification data and the program identification data of the application program installed on the mobile device 170 The notification message generated by 222 is sent to the client, so that the client can display the notification message pushed by the communication module 230 on the mobile device 170; when the customer communication information is a mobile phone number, the communication module 230 can send the notification message as a short message sent to the mobile device 170 using the mobile phone number, so that the mobile device 170 displays the notification message; and when the customer communication information is an email account, the communication module 230 can send the notification message in the form of email through the email host ( not shown in the figure) to the mobile device 170.

The communication module 230 is also responsible for receiving the confirmation message sent by the client. The confirmation message received by the communication module 230 corresponds to the notification message sent to the client. Generally speaking, the confirmation message can indicate confirmation of the transaction or cancellation of the transaction.

The communication module 230 is also responsible for sending the authorization result generated by the authorization judging module 223 back to the one-way server 130 .

Next, an embodiment is used to explain the operating system and method of the present invention, and please refer to "Fig. 3A" for the flow chart of the method for reconfirming the transaction when the transaction is judged to be impulsive consumption in the present invention.

After the user swipes the card at the card reader 110 of the special store, the card reader 110 can generate transaction data, and can transmit the generated transaction data to the acquirer server 130 . In this embodiment, it is assumed that the transaction data includes special store identification data, credit card data and transaction amount, but the invention is not limited thereto.

After receiving the transaction data, the acquirer server 130 can choose to send the transaction data to the card issuer server 150 of the card issuer that issued the credit card used by the user according to the credit card information in the transaction data.

After the communication module 230 of the card issuer server 150 receives the transaction data sent by the acquirer server 130 (step 310), the data acquisition module 221 of the card issuer server 150 can obtain the credit card information according to the transaction data. Customer profile (step 320). In this embodiment, it is assumed that the data acquisition module 221 can read the customer identification data corresponding to the credit card number in the credit card information from the internal records of the card issuer, for example, read the corresponding information from the cardholder and card number correspondence table. The credit card number is stored as the cardholder's ID number in the same record. Afterwards, the data acquisition module 221 can obtain customer information such as basic customer information, customer communication information, and customer financial information according to the cardholder's ID card number.

After the data acquisition module 221 of the card issuer server 150 acquires customer information, the consumption evaluation module 222 of the card issuer server 150 can use the customer financial information in the customer information acquired by the data acquisition module 221 and the communication module 230 The received transaction data determines whether the transaction performed by the cardholder is impulsive consumption, and the consumption evaluation module 222 can also generate a notification message when it is determined that the transaction is impulsive consumption (step 330 ). In this embodiment, assuming that as shown in the process of "Figure 3B", the consumption evaluation module 222 can first calculate the balance of income and expenditure per unit time and mobile single consumption based on the account transaction records and credit card transaction records contained in the customer's financial information Amount (step 331), if the consumption evaluation module 222 defines the unit time as one month, the monthly fixed income of the cardholder is 55,000 salary, and the cardholder withdraws cash every month, transfers to pay public utility expenses, telephone and Internet If the road expenses and credit card fees are 20,000 in total, and the housing loan monthly burden is 32,000, then the consumption evaluation module 222 can calculate the cardholder’s monthly balance (revenue and expenditure balance per unit time) as 3,000. In addition, if in the past three During the month, the cardholder has swiped the card 10 times in total, and the total transaction amount is 50,000, so the consumption evaluation module 222 can calculate that the single mobile consumption amount is 5,000. Next, the consumption assessment module 222 can define the consumption acceptance data according to the calculated income and expenditure balance per unit time (step 333), if the consumption assessment module 222 can define the consumption acceptance data according to the preset income and expenditure balance per unit time interval , For example, when the balance of income and expenditure per unit time is greater than 10,000, define the consumption data as 50; when the balance of income and expenditure per unit time is between 5,000 and 10,000 (inclusive), define the data as 45; If the income and expenditure balance is between 0 and 5,000 (inclusive), define the consumption data as 40; if the income and expenditure balance per unit time is negative 3,000 to 0 (inclusive), then define the consumption data as 30; If it is equal to minus 3,000, then define the consumption acceptance data as 20. Afterwards, the consumption evaluation module 222 can calculate the tolerance threshold value based on the calculated single mobile consumption amount, the defined consumption tolerance data, and the unit time (step 335), for example, calculate the product of the unit time and the consumption tolerance data (30 *40=1200), the sum of the added product and the single mobile consumption amount (1200+5000=6200) is used as the acceptance threshold. In this way, the consumption assessment module 222 can determine whether the transaction made by the cardholder is impulsive consumption according to whether the transaction amount included in the transaction data is greater than the calculated tolerance threshold (6200) (step 337).

If the consumption assessment module 222 of the issuing bank server 150 judges that the transaction is an impulse consumption, it can generate a notification message (step 339); Authorization result (step 340).

Going back to "Fig. 3A", after the consumption evaluation module 222 of the card issuer server 150 generates a notification message, the communication module 230 of the card issuer server 150 can send the notification message generated by the consumption evaluation module 222 to the customer terminal, and receive the confirmation message sent back by the client (step 360). In this embodiment, assuming that the customer communication data contained in the customer data acquired by the data acquisition module 221 of the card issuing bank server 150 is the push identification data, the communication module 230 can be based on the device information contained in the push identification data. The identification data and program identification data push the notification message to the application program (client) installed on the mobile device 170, so that the client can display push notifications on the mobile device 170 and can generate vibrations to remind the cardholder that when the cardholder After the person operates the mobile device 170 to choose to watch the push notification, the client can display the notification message. Afterwards, the cardholder can operate the mobile device 170 to choose to confirm the transaction or cancel the transaction, and the client can generate a corresponding confirmation message according to the cardholder's choice, and can send the generated confirmation message back to the server 150 of the issuing bank.

After the communication module 230 of the issuing bank server 150 receives the confirmation message sent by the client, the authorization judgment module 223 of the issuing bank server 150 can generate a corresponding authorization according to the confirmation message received by the communication module 230 Results (step 370).

After the authorization judgment module 223 of the issuing bank server 150 generates the authorization result, the communication module 230 of the issuing bank server 150 can send the authorization result back to the issuing bank server 130, and the acquiring bank server 130, after receiving the authorization result, The authorization result can be transferred back to the card reader 110, and after receiving the authorization result, the card reader 110 can generate and display the transaction result of successful transaction or transaction failure according to the authorization result.

In this way, through the present invention, the card issuing bank can judge whether the cardholder's transaction is impulsive consumption when the cardholder swipes the card, and can notify the cardholder when it is judged that the cardholder is impulsive consumption, so that the cardholder can buy again. Confirm whether to conduct transactions, so as to increase the time for cardholders to think about whether to make impulsive consumption by reducing the smoothness of transactions.

In the above embodiment, if the transaction data generated by the card reader 110 also includes commodity information, and the card reader 110 can directly transmit the commodity information to the issuing bank server 150, then the communication module 230 of the card issuing bank server 150 receives After the commodity information sent by the card reader 110, the consumption evaluation module 222 of the card issuing bank server 150 can also first judge the cardholder's purchase according to the commodity and/or commodity type contained in the commodity information received by the communication module 230. Whether the transaction is impulsive consumption, for example, judging whether the sum of the impulse values of the commodities recorded in the commodity information is the impulse threshold or whether the impulse value of any commodity exceeds the impulse threshold, etc. If not, the consumption evaluation module 222 judges that the transaction is not impulsive consumption, and can generate an authorization result (step 340); if yes, the consumption evaluation module 222 can judge whether the transaction is an impulsive consumption according to the process of "Figure 3B".

In addition, after the consumption evaluation module 222 of the card issuer server 150 judges that the transaction is impulsive consumption and generates a notification message (step 330), the consumption evaluation module 222 can also, as shown in the process of "Fig. The data acquisition module 221 of the server 150 obtains the account transaction records, credit card payment records, and asset data contained in the customer financial data obtained by the customer data. Whether the transaction amount is greater than a specific percentage of the client's total assets (step 353), such as 1%. When the consumption evaluation module 222 judges whether the transaction amount included in the transaction data is greater than a specific ratio of the customer's total assets, it can add a corresponding prompt in the generated notification message (step 355), so that the communication module of the card issuing bank server 150 230 The notification message sent to the client includes eye-catching reminder words and/or the asset status of the cardholder.

To sum up, it can be seen that the difference between the present invention and the prior art lies in that after the customer communication data and customer financial data are obtained based on the credit card data in the transaction data, when the transaction is judged to be impulsive consumption based on the customer financial data and transaction data, the customer The communication data sends a notification message to the client, and selects the technical means to generate the authorization result of allowing the transaction or rejecting the transaction according to the confirmation message sent back by the client. This technical means can solve the problem that the previous technology cannot be effectively judged. Whether the cardholder’s card-swiping transaction is an impulsive consumption issue, and then achieve the technical effect of increasing the smoothness of the transaction so that the cardholder has more time to calm down and think about whether to conduct the transaction and reduce the potential bad debt risk of the issuing bank .

Furthermore, the method for reconfirming the transaction when judging that the transaction is impulsive consumption in the present invention can be implemented in hardware, software, or a combination of hardware and software, and can also be implemented in a centralized manner in a computer system or distributed in different components. Distributed implementation of several interconnected computer systems.

Although the embodiments disclosed in the present invention are as above, the content described is not intended to directly limit the scope of protection of the present invention. Anyone with ordinary knowledge in the technical field of the present invention, without departing from the spirit and scope disclosed in the present invention, makes some changes and modifications to the form and details of the implementation of the present invention, all of which belong to the patent protection of the present invention scope. The scope of patent protection of the present invention shall still be defined by the scope of the attached patent application.

110: credit card machine 130: Acquiring bank server 150: card issuing bank server 170:Mobile device 210: Processing module 221: Data acquisition module 222:Consumption evaluation module 223: Authorization judgment module 230: Communication module 400: credit card Step 310: Receive transaction data, the transaction data includes credit card data Step 320: Obtain customer information based on credit card information, customer information includes customer communication information and customer financial information Step 330: Generate a notification message when the transaction is judged to be impulsive consumption based on the customer's financial data and transaction data Step 331: Calculate the balance of income and expenditure per unit time and the amount of mobile single consumption based on the account transaction records and credit card transaction records Step 333: Define the consumption acceptance data according to the income and expenditure balance per unit time Step 335: Calculate the acceptance threshold based on the mobile single consumption amount, consumption acceptance data, and unit time Step 337: Judging whether it is impulsive consumption based on the transaction amount and acceptance threshold Step 339: Generate a notification message Step 340: generate authorization result Step 351: Evaluate the customer's total assets based on account transaction records, credit card payment records, and asset information Step 353: Determine whether the transaction amount is greater than a specific percentage of the client's total assets Step 355: Add the corresponding prompt in the notification message Step 360: Send a notification message to the client according to the client communication data, and receive the confirmation message sent by the client Step 370: Choose to generate an authorization result according to the confirmation message Step 380: Return the authorization result

Figure 1 is a system architecture diagram for reconfirming transactions when judging transactions as impulsive consumption proposed by the present invention. Figure 2 is a schematic diagram of the components of the device for reconfirming the transaction when it is judged that the transaction is impulsive consumption proposed by the present invention. Fig. 3A is a flow chart of the method for reconfirming the transaction when judging that the transaction is impulsive consumption according to the present invention. FIG. 3B is a flow chart of the method for judging whether a transaction is impulsive consumption proposed by the present invention. Figure 3C is a flow chart of the method for judging whether the transaction amount is greater than a certain percentage of the client's total assets proposed by the present invention.

Step 310: Receive transaction data, the transaction data includes credit card information

Step 320: Obtain customer information based on credit card information, customer information includes customer communication information and customer financial information

Step 330: Generate a notification message when the transaction is judged to be impulsive consumption based on the customer's financial data and transaction data

Step 360: Send a notification message to the client according to the client communication data, and receive the confirmation message sent by the client

Step 370: Choose to generate an authorization result according to the confirmation message

Step 380: Return the authorization result

Claims (8)

A method for reconfirming a transaction when judging that the transaction is impulsive consumption is applied to a server of a card issuing bank, and the method at least includes the following steps: receiving a transaction data, the transaction data including a credit card information; obtaining a customer information based on the credit card information , the customer data includes a customer communication data and a customer financial data; according to the account transaction records and credit card transaction records contained in the customer financial data, a unit time balance and a single mobile consumption amount are calculated; according to the unit time receipt The payment balance defines a consumption acceptance data, and calculates the product of the unit time and the consumption acceptance data, and adds the product and the sum of the mobile single consumption amount to generate an acceptance threshold; based on the transaction amount contained in the transaction data Generate a notification message when judging that the transaction is impulsive consumption if it is greater than the acceptance threshold; send the notification message to a client according to the customer communication data, and receive a confirmation message sent by the client; choose to generate according to the confirmation message Indicates an authorization result of authorization or non-authorization; and returns the authorization result. The method for reconfirming the transaction when judging that the transaction is impulsive consumption as described in claim 1, wherein the method further includes, after the step of judging that the transaction is impulsive consumption, based on the account transaction records and credit card payment records included in the customer's financial information . Assess the total assets of a client based on asset data, and when it is judged that the transaction amount contained in the transaction data is greater than a specific ratio of the client's total assets, a corresponding prompt step is added to the notification message. The method for reconfirming the transaction when judging that the transaction is impulsive consumption as stated in claim 1, wherein the step of sending the notification message to the client based on the customer communication data is based on the device identification data and program identification indicated by the customer communication data The data pushes the notification message to the client, so that the client displays the notification message. The method for reconfirming the transaction when judging that the transaction is impulsive consumption as described in claim 1, wherein the step of judging that the transaction is impulsive consumption further includes receiving a commodity message sent by a card reader, and based on the commodity name and /or whether the sum of the impulse values calculated by the commodity type is higher than an impulse threshold or whether the commodity information contains commodities higher than the impulse threshold. The step of judging whether the transaction is impulse consumption. A device for reconfirming a transaction when judging that the transaction is impulsive consumption, the device at least includes: a communication module for receiving a transaction data, the transaction data includes a credit card data; a data acquisition module for using the credit card data Obtain a customer information, the customer information includes a customer communication information and a customer financial information; a consumption evaluation module, used to calculate a unit time balance of income and expenditure based on the account transaction records and credit card transaction records included in the customer financial information and A single mobile consumption amount, and define a consumption acceptance data based on the income and expenditure balance of the unit time, and calculate the product of the unit time and the consumption acceptance data, and add the product and the sum of the mobile single consumption amount to generate a Acceptance threshold, and used to determine whether the transaction is impulsive consumption based on whether the transaction amount included in the transaction data is greater than the acceptance threshold, generate a notification message, so that the communication module sends the notification message to a client, and receive a confirmation message sent by the client; and An authorization judging module is used to select and generate an authorization result indicating authorization or non-authorization according to the confirmation message, so that the communication module returns the authorization result. The device for reconfirming the transaction when judging that the transaction is impulsive consumption as described in claim 5, wherein the consumption evaluation module is further used to evaluate a customer based on the account transaction records, credit card payment records, and asset data included in the customer's financial information Total assets, and determine whether the transaction amount contained in the transaction data is greater than a specific ratio of the client's total assets, and used to notify the notification message when the transaction amount contained in the transaction data is greater than a specific ratio of the client's total assets Add corresponding tips. The device for reconfirming the transaction when judging that the transaction is impulsive consumption as stated in claim item 5, wherein the communication module pushes the notification message to the client terminal based on the device identification data and program identification data represented by the customer communication data, so that The client displays the notification message. The device for reconfirming the transaction when judging that the transaction is impulsive consumption as described in claim item 5, wherein the consumption evaluation module is further used to receive a commodity information sent by the card reader, and based on the commodity name and/or contained in the commodity information Or whether the sum of the impulse values calculated by the product type is higher than an impulse threshold or whether the product information contains products higher than the impulse threshold to determine whether the transaction is impulsive consumption.

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