TWI829150B - Mobile banking application and disbursement reimbursing system - Google Patents

Abstract

A mobile banking application and a disbursement reimbursing system are provided. Mobile banking applications are configured to read and storage by electronic devices. The mobile banking application includes a mobile payment interface and a credit card service interface. The mobile payment interface is suitable for the user to make multiple payments. The credit card service interface includes an integrated shopping record interface and a disbursement reimbursing setting interface. The integrated shopping record interface displays the current bill amount and multiple shopping records, wherein the multiple shopping records respectively include shopping date, shopping place, shopping amount and shopping edit button. The disbursement reimbursing setting interface displays the reimburse pending shopping in the multiple shopping records, the selection area for prepayment, the selection area for splitting, and the setting for splitting. The disbursement reimbursing system includes a transceiver, a memory device and a processor, and the processor is coupled to the signal transceiver and the memory device. The memory device stores the mobile banking application installed on the electronic device. The processor is adapted to access and execute mobile banking applications.

Description

Mobile banking applications and consumption advance payment collection systems

The present invention relates to an application program and a system, and in particular to a mobile banking application program and a consumption advance payment collection system.

In life, there are often occasions when we help family members and friends swipe their credit cards to advance payment, and then the family members and friends repay the money and complete the payment before the credit card bill payment deadline. In addition, current consumption analysis charts are usually placed on current financial institution applications or web pages for users' reference; however, when the aforementioned assistance to family members and friends to advance payments on their behalf is greater or the accumulated amount Larger situations make it difficult for users to clearly grasp the real consumption situation, so there is a need to propose improvement plans.

The present invention provides a mobile banking application and consumption advance payment collection system, which can allow users to grasp the consumption situation, choose to split accounts for advance payments, send repayment notices for advance payments to family members and friends, and send family members and friends The repaid amount is directly deducted from the current bill, and the relevant amount is not included in the consumption analysis chart.

The mobile banking application of the present invention is suitable for reading and storing by electronic devices. Mobile banking applications include mobile payment interfaces and credit card service interfaces. The mobile payment interface is suitable for users to make multiple payments. The credit card service interface includes a consumption record integration interface and a consumption advance payment setting interface. The consumption record integration interface displays the current bill amount and multiple consumption records. The multiple consumption records include consumption date, consumption place, consumption amount and consumption editing button. The consumption advance setting interface displays the pending consumption, advance payment selection area, debit selection area and debit settings in multiple consumption records.

In an embodiment of the present invention, the above-mentioned consumption editing button may be a hyperlink click area, a text link or a graphical link.

In an embodiment of the present invention, the above-mentioned advance payment selection area may be a selection button, a check box, or a sliding selection column, and the debit selection selection area may be a selection button, a check box, or a sliding selection column.

In an embodiment of the present invention, the above-described debit settings may include the number of people to be debited, multiple recipients, and debit conditions.

In an embodiment of the present invention, the above-described debit conditions can be an average debit split based on the number of debit recipients, or a specific proportion debit split based on multiple recipients.

In an embodiment of the present invention, the above-mentioned consumption advance payment setting interface further includes a repayment advance payment notification setting area.

In one embodiment of the present invention, the above-mentioned reimbursement agent advance payment notification device The fixed area includes a notification message, which can be a default content message or a customized content message including pending consumption, repayment amount, and credit card account number.

In one embodiment of the present invention, the above-mentioned repayment advance payment notification setting area includes a communication software forwarding button, an email input field, or a mobile phone number input field. The user can use the communication software forwarding button or email input field to Or enter the mobile phone number input field to send notification messages to multiple recipients.

In one embodiment of the present invention, the above-mentioned current bill amount automatically deducts the repayable amount paid to the credit card account by multiple recipients, and the expenditure analysis report output by the credit card expenditure analysis system does not include the amount paid to the credit card account. The amount that should be repaid, and the expense analysis report will list the amount that has not been paid to the credit card account as an advance payment.

In an embodiment of the present invention, when the user opens the mobile banking application, the mobile banking application executes an identity verification process, wherein the identity verification process includes inputting a login account number and a login password corresponding to the user's account owner. The banking application determines whether the user is the account owner based on the login account number and password.

The consumption advance payment collection system of the present invention includes a signal transceiver, a memory device and a processor, and the processor is coupled to the signal transceiver and the memory device. The memory device stores the mobile banking application installed on the electronic device. The processor is adapted to access and execute mobile banking applications.

In an embodiment of the present invention, the above-mentioned consumption editing button may be a hyperlink click area, a text link or a graphical link.

In an embodiment of the present invention, the above-mentioned advance payment selection area may be a selection button, a check box, or a sliding selection column, and the debit selection selection area may be a selection button, a check box, or a sliding selection column.

In an embodiment of the present invention, the above-described debit settings may include the number of people to be debited, multiple recipients, and debit conditions.

In an embodiment of the present invention, the above-described debit conditions can be an average debit split based on the number of debit recipients, or a specific proportion debit split based on multiple recipients.

In an embodiment of the present invention, the above-mentioned consumption advance payment setting interface further includes a repayment advance payment notification setting area.

In one embodiment of the present invention, the above-mentioned repayment advance payment notification setting area includes a notification message, and the notification message may be a default content message or a customized content message including pending consumption, amount to be repaid, and credit card account number.

In one embodiment of the present invention, the above-mentioned repayment advance payment notification setting area includes a communication software forwarding button, an email input field, or a mobile phone number input field. The user can use the communication software forwarding button or email input field to Or enter the mobile phone number input field to send notification messages to multiple recipients.

In one embodiment of the present invention, the above-mentioned current bill amount automatically deducts the repayable amount paid to the credit card account by multiple recipients, and the expenditure analysis report output by the credit card expenditure analysis system does not include the amount paid to the credit card account. The amount that should be repaid, and the expense analysis report will list the amount that has not been paid to the credit card account as an advance payment.

In an embodiment of the present invention, when the user opens the mobile banking application At this time, the mobile banking application executes the identity verification process, where the identity verification process includes entering the login account and login password corresponding to the user's account owner. The mobile banking application determines whether the user is the account owner based on the login account and login password. people.

Based on the above, the mobile banking application and consumption advance payment collection system of the present invention can allow users to grasp the consumption situation, choose to split the advance payment, send repayment notices to family members and friends, and send family members and friends The repayment is directly deducted from the current bill, saving trouble. At the same time, the relevant amounts are not included in the consumption analysis chart, so that the consumption analysis chart shows the user's actual consumption situation.

10: Mobile Banking App

11: Mobile payment interface

12:Credit card service interface

12A: Consumption record integration interface

12B: Consumption advance payment setting interface

100:Consumption advance payment collection system

110:Signal transceiver

120:Memory device

130: Processor

1A-1C are schematic diagrams of mobile banking applications according to embodiments of the present invention.

FIG. 2 is a schematic diagram of a consumption advance payment collection system according to an embodiment of the present invention.

1A-1C are schematic diagrams of a mobile banking application 10 according to an embodiment of the present invention.

Please refer to Figures 1A-1C. In this embodiment, the mobile banking application 10 Suitable for reading and storing by electronic devices. The mobile banking application 10 includes a mobile payment interface 11 and a credit card service interface 12 . The mobile payment interface 11 is suitable for users to make multiple payments. The consumption advance payment collection interface 12 includes a consumption record integration interface 12A and a consumption advance payment setting interface 12B.

In this embodiment, the consumption record integration interface 12A displays the current bill amount and multiple consumption records. Multiple consumption records include consumption date, consumption place, consumption amount and consumption editing button. In other embodiments, according to actual needs, multiple consumption records may include other information respectively, and the present invention is not limited to this. The consumption advance setting interface 12B displays the pending consumption, the advance payment selection area, the debit selection area, the debit setting and the repayment advance payment notification setting area among the multiple consumption records. In other embodiments, according to actual needs, the consumption advance payment setting interface 12B can also display other setting fields, and the present invention is not limited thereto.

In this embodiment, the consumption editing button can be a hyperlink click area, a text link or a graphic link, and both the advance payment selection area and the debit selection area can be a selection button, a check box or a sliding selection column.

In this embodiment, the debit setting may include the number of people to be debited, multiple recipients, and debit conditions. The debit condition is, for example, an average split based on the number of debits. In other embodiments, the debit condition may also be a specific proportion of debits based on multiple recipients, and the present invention is not limited thereto.

In this embodiment, the reimbursement payment notification setting area includes notification messages and message transmission settings. The notification message may be a default content message or a custom content message including pending consumption, repayment amount, and credit card account number. In other In the embodiment, the notification message may also include names or nicknames sent to multiple recipients, but the invention is not limited to this. The message sending setting can be a messaging software forwarding button, an email input field, or a mobile phone number input field.

In this embodiment, the user can send the notification message to multiple recipients by clicking the forward button of the communication software, entering an email in the email input field, or entering a mobile phone number in the mobile phone number input field.

For example, the default content message can be designed as "Dear Sir, please pay part of the meal fee at the CCC restaurant on March 3. Each person is NT$500. Please transfer the money to XX Bank's credit card account (account number XXXXXXXXXXXXXX), Or click [here] to open the XX Bank App, and you can directly complete the bill payment." On the other hand, as a personalized setting, the custom content message can be designed as "Pay back the money, Chen OO! Part of the meal expenses at the CCC restaurant on March 3. The total amount is NT$2,000, divided equally among 4 people, so everyone new NT$500. You can either remit the money to the XX Bank credit card account (account number XXXXXXXXXXXXXX), or click [here] to open the XX Bank app. Hurry up, otherwise interest will be calculated!" It is worth mentioning that whether it is a default content message or a custom content message, the notification message will automatically apply information such as pending purchases, multiple payees, the amount to be repaid, and credit card account numbers. The only difference lies in the integration of this information. other text into a complete message.

In this embodiment, the current bill amount is automatically deducted from the repayable amounts paid to the credit card accounts of multiple recipients, and the user only needs to pay the remaining credit card dues before the payment deadline. In addition, in order to make the expenditure analysis report closer to the user's actual consumption situation, the expenditure analysis report output by the credit card expenditure analysis system It does not include the repayable amount that has been paid to the credit card account, and at the same time, the repayable amount that has not been paid to the credit card account is listed as advance payment expenses.

In this embodiment, when the user opens the mobile banking application 10, the mobile banking application 10 performs an identity verification process, where the identity verification process includes inputting the login account number and login password corresponding to the account owner of the customer. The mobile banking application Program 10 determines whether the customer is the account owner based on the login account and password. In this embodiment, the login password includes a text password or a biometric feature.

FIG. 2 is a schematic diagram of a consumption advance payment collection system 100 according to an embodiment of the present invention.

Please refer to FIG. 2 , the consumption advance payment collection system 100 includes a signal transceiver 110 , a memory device 120 and a processor 130 .

The signal transceiver 110 transmits and receives signals in a wireless or wired manner. The signal transceiver 110 may also perform operations such as low noise amplification, impedance matching, mixing, up or down frequency conversion, filtering, amplification, and similar operations.

The memory device 120 is, for example, any type of fixed or removable random access memory (RAM), read-only memory (ROM), or flash memory. , hard disk drive (HDD), solid state drive (SSD) or similar components or a combination of the above components, used to store multiple functional modules that can be executed by the processor 130 . In this embodiment, the memory device 120 can store the mobile banking application 10 installed on the electronic device.

The processor 130 is, for example, a central processing unit (central processing unit). unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), microprocessor (microprocessor), digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (ISP), image processing unit (IPU) ), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable gate array (FPGA) or other similar components or components described above combination. The processor 130 can be coupled to the memory device 120 and the signal transceiver 110, and access and execute the mobile banking application 10 stored in the memory device 120. Specific details related to the mobile banking application 10 are as shown in Figures 1A-1C and will not be described again.

In summary, the mobile banking application 10 and consumption advance payment collection system 100 proposed by the present invention can allow users to understand consumption situations, choose to split accounts for advance payments, and send notifications for repayment of advance payments to family and friends. , and the repayments from family and friends are directly deducted from the current bill, saving trouble. At the same time, the relevant amounts are not included in the consumption analysis chart, so that the consumption analysis chart shows the user's actual consumption situation.

10: Mobile Banking App

100:Consumption advance payment collection system

110:Signal transceiver

120:Memory device

130: Processor

Claims (18)

A mobile banking application, suitable for reading and storing by an electronic device, including: a mobile payment interface, suitable for a user to make multiple payments; and a credit card service interface, including: a consumption record integration interface, Displays a current bill amount and multiple consumption records, wherein the consumption records respectively include a consumption date, a consumption place, a consumption amount, and a consumption edit button; and a consumption advance setting interface displays the consumption records. A pending consumption, an advance payment selection area, a debit selection area and a debit setting, in which the current bill amount automatically deducts a repayable amount that has been paid to a credit card account by multiple recipients to generate a residual The credit card payment amount causes the user to pay the remaining credit card payment amount before the payment deadline. An expense analysis report output by a credit card expense analysis system does not include the repayable amount that has been paid to the credit card account, and the expense The analysis report lists the repayable amount that has not been paid to the credit card account as first-generation advance expenditure, and the consumption analysis chart is presented based on the expenditure analysis report output by the credit card expenditure analysis system. The mobile banking application as described in claim 1, wherein the consumption editing button can be a hyperlink click area, a text link or a graphical link. The mobile banking application as described in claim 2, wherein the advance payment selection area can be a selection button, a check box or a sliding selection column, and the debit selection selection area can be a selection button, a check box A box or a sliding selection column. As for the mobile banking application described in claim 3, the debit setting may include a number of people making the debit, the recipients and a debit condition. For the mobile banking application described in claim 4, the repayment condition may be an average repayment based on the number of repayees, or a specific proportion of repayment based on the recipients. The mobile banking application as described in claim 5, wherein the consumption advance payment setting interface further includes a reimbursement advance payment notification setting area. The mobile banking application as described in claim 6, wherein the reimbursement payment notification setting area includes a notification message, and the notification message may be a default content including the pending consumption, the repayable amount and the credit card account number message or a custom content message. The mobile banking application as described in claim 7, wherein the reimbursement payment notification setting area includes a communication software forwarding button, an email input field or a mobile phone number input field, and the user uses the communication software to The forward button, the email input field, or the mobile phone number input field sends the notification message to the recipients. The mobile banking application as described in request item 1, when the user opens the mobile banking application, the mobile banking application performs an identity verification process, wherein the identity verification process includes inputting an account number corresponding to the user A login account and a login password of a person, and the mobile banking application determines whether the user is the owner of the account based on the login account and the login password. A consumption advance payment collection system, including: a signal transceiver; a memory device storing a mobile banking application, wherein the mobile banking application is installed on an electronic device; and a processor coupled to the signal transceiver and the memory device and adapted to access and Execute the mobile banking application, wherein the mobile banking application includes: a mobile payment interface suitable for a user to make multiple payments; and a credit card service interface including: a consumption record integration interface that displays a current The bill amount and multiple consumption records, wherein the consumption records respectively include a consumption date, a consumption place, a consumption amount and a consumption edit button; and a consumption advance setting interface showing a pending transaction in the consumption records Consumption, one-time advance payment selection area, one-debt payment selection area and one-debt payment setting, in which the current bill amount automatically deducts a payable amount that has been paid by multiple payees to a credit card account to generate a remaining credit card payable amount , causing the user to pay the remaining amount due on the credit card before the payment deadline, an expenditure analysis report output by a credit card expenditure analysis system does not include the repayment amount that has been paid to the credit card account, and the expenditure analysis report will not The repayable amount paid to the credit card account is listed as a first-generation advance payment, and the consumption analysis chart is presented based on the expenditure analysis report output by the credit card expenditure analysis system. As for the consumption advance payment collection system described in claim 10, the consumption editing button can be a hyperlink click area, a text link or a graphical link. The consumption advance payment collection system as described in claim 11, wherein the advance payment selection area can be a selection button, a check box or a sliding selection column, and the debit selection area can be a selection button, a check box Select a box or slide to select a column. As claimed in claim 12, the consumption advance payment collection system, wherein the debit setting may include a splitting number of people, the payment objects, and a splitting condition. As for the consumption advance payment collection system described in claim 13, the splitting condition can be an average splitting based on the number of people to be splitted, or a specific proportion splitting based on the recipients. The consumption advance payment collection system as claimed in claim 14, wherein the consumption advance payment setting interface further includes a reimbursement advance payment notification setting area. The consumer advance payment collection system as described in claim 15, wherein the repayment advance payment notification setting area includes a notification message, and the notification message may be a default including the pending consumption, the repayable amount, and the credit card account number. content message or a custom content message. The consumption advance payment collection system as described in claim 16, wherein the reimbursement advance payment notification setting area includes a communication software forward button, an email input field or a mobile phone number input field, and the user uses the communication The software forward button, the email input field or the mobile phone number input field sends the notification message to the recipients. For the consumption advance payment collection system described in claim 10, when the user opens the mobile banking application, the mobile banking application executes an identity verification process, wherein the identity verification process includes inputting an account corresponding to the user A login account and a login password of the owner. The mobile banking application determines whether the user is the owner of the account based on the login account and the login password.

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