TWI829150B - Mobile banking application and disbursement reimbursing system - Google Patents
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Abstract
Description
本發明是有關於一種應用程式以及系統,且特別是有關於一種行動銀行應用程式以及消費墊付收款系統。 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.
在生活中,時常有先幫家人以及朋友刷卡代墊付款項的場合,之後家人以及朋友還款後,並在信用卡帳單繳款截止日前完成繳款。除此之外,在現行的金融機構應用程序或是網頁通常會放置當期消費分析圖供使用者參考;然而,當有前述協助家人以及朋友代墊付款項的累積筆數較多或是累積金額較大的情形,反而讓使用者不易明確掌握真正的消費情形,故有提出改善方案的需求。 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.
本發明提供一種行動銀行應用程式以及消費墊付收款系統,能夠允許使用者掌握消費情形,可選擇對代墊付款項分帳,向家人以及朋友發送償還代墊付款項通知,並且將家人以及朋友 償還的款項直接由當期帳單中扣除,同時不將相關款項納入消費分析圖。 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.
本發明的行動銀行應用程式適於由電子裝置讀取以及儲存。行動銀行應用程式包括行動支付介面以及信用卡服務介面。行動支付介面適於供使用者進行多個款項支付。信用卡服務介面包括消費紀錄整合介面以及消費墊付設定介面。消費紀錄整合介面顯示當期帳單金額以及多筆消費紀錄,其中多筆消費紀錄分別包括消費日期、消費場所、消費金額以及消費編輯按鈕。消費墊付設定介面顯示多筆消費紀錄中的待處理消費、代墊付選擇區、拆帳選擇區以及拆帳設定。 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.
在本發明的一實施例中,上述的消費編輯按鈕可為超連結點擊區、文字連結或是圖式連結。 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.
在本發明的一實施例中,上述的代墊付選擇區可為選擇按鈕、勾選方框或是滑動選擇列,且拆帳選擇區可為選擇按鈕、勾選方框或是滑動選擇列。 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.
在本發明的一實施例中,上述的拆帳設定可包括拆帳人數、多個收款對象以及拆帳條件。 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.
在本發明的一實施例中,上述的拆帳條件可依據拆帳人數進行平均拆帳,或是依據多個收款對象進行特定比例拆帳。 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.
在本發明的一實施例中,上述的消費墊付設定介面更包括償還代墊付款項通知設定區。 In an embodiment of the present invention, the above-mentioned consumption advance payment setting interface further includes a repayment advance payment notification setting area.
在本發明的一實施例中,上述的償還代墊付款項通知設 定區包括通知訊息,通知訊息可為包括待處理消費、應償還金額以及信用卡帳號的預設內容訊息或是自定義內容訊息。 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.
在本發明的一實施例中,上述的償還代墊付款項通知設定區包括通訊軟體轉發按鈕、電子郵件輸入欄位或是手機號碼輸入欄位,使用者通過通訊軟體轉發按鈕、電子郵件輸入欄位或是手機號碼輸入欄位,將通知訊息傳送至多個收款對象。 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.
在本發明的一實施例中,上述的當期帳單金額自動扣除多個收款對象已支付至信用卡帳號的應償還金額,信用卡支出分析系統輸出的支出分析報告不包括已支付至信用卡帳號的應償還金額,且支出分析報告將未支付至信用卡帳號的應償還金額列為代墊付支出。 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.
在本發明的一實施例中,當使用者開啟行動銀行應用程式時,行動銀行應用程式執行身分驗證程序,其中身分驗證程序包括輸入對應於使用者的帳戶所有人的登入帳號以及登入密碼,行動銀行應用程式根據登入帳號以及登入密碼判斷使用者是否為帳戶所有人。 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.
本發明的消費墊付收款系統包括訊號收發器、記憶裝置以及處理器,處理器耦接訊號收發器以及記憶裝置。記憶裝置儲存安裝於電子裝置的行動銀行應用程式。處理器適於存取和執行行動銀行應用程式。 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.
在本發明的一實施例中,上述的消費編輯按鈕可為超連結點擊區、文字連結或是圖式連結。 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.
在本發明的一實施例中,上述的代墊付選擇區可為選擇按鈕、勾選方框或是滑動選擇列,且拆帳選擇區可為選擇按鈕、勾選方框或是滑動選擇列。 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.
在本發明的一實施例中,上述的拆帳設定可包括拆帳人數、多個收款對象以及拆帳條件。 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.
在本發明的一實施例中,上述的拆帳條件可依據拆帳人數進行平均拆帳,或是依據多個收款對象進行特定比例拆帳。 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.
在本發明的一實施例中,上述的消費墊付設定介面更包括償還代墊付款項通知設定區。 In an embodiment of the present invention, the above-mentioned consumption advance payment setting interface further includes a repayment advance payment notification setting area.
在本發明的一實施例中,上述的償還代墊付款項通知設定區包括通知訊息,通知訊息可為包括待處理消費、應償還金額以及信用卡帳號的預設內容訊息或是自定義內容訊息。 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.
在本發明的一實施例中,上述的償還代墊付款項通知設定區包括通訊軟體轉發按鈕、電子郵件輸入欄位或是手機號碼輸入欄位,使用者通過通訊軟體轉發按鈕、電子郵件輸入欄位或是手機號碼輸入欄位,將通知訊息傳送至多個收款對象。 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.
在本發明的一實施例中,上述的當期帳單金額自動扣除多個收款對象已支付至信用卡帳號的應償還金額,信用卡支出分析系統輸出的支出分析報告不包括已支付至信用卡帳號的應償還金額,且支出分析報告將未支付至信用卡帳號的應償還金額列為代墊付支出。 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.
在本發明的一實施例中,當使用者開啟行動銀行應用程 式時,行動銀行應用程式執行身分驗證程序,其中身分驗證程序包括輸入對應於使用者的帳戶所有人的登入帳號以及登入密碼,行動銀行應用程式根據登入帳號以及登入密碼判斷使用者是否為帳戶所有人。 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.
基於上述,本發明的行動銀行應用程式以及消費墊付收款系統,能夠允許使用者掌握消費情形,可選擇對代墊付款項分帳,向家人以及朋友發送償還代墊付款項通知,並且將家人以及朋友償還的款項直接由當期帳單中扣除,節省麻煩,同時不將相關款項納入消費分析圖,以使消費分析圖呈現出使用者實際消費情形。 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:行動銀行應用程式 10: Mobile Banking App
11:行動支付介面 11: Mobile payment interface
12:信用卡服務介面 12:Credit card service interface
12A:消費紀錄整合介面 12A: Consumption record integration interface
12B:消費墊付設定介面 12B: Consumption advance payment setting interface
100:消費墊付收款系統 100:Consumption advance payment collection system
110:訊號收發器 110:Signal transceiver
120:記憶裝置 120:Memory device
130:處理器 130: Processor
圖1A-1C是根據本發明的實施例繪示的行動銀行應用程式的示意圖。 1A-1C are schematic diagrams of mobile banking applications according to embodiments of the present invention.
圖2是根據本發明的實施例繪示的消費墊付收款系統的示意圖。 FIG. 2 is a schematic diagram of a consumption advance payment collection system according to an embodiment of the present invention.
圖1A-1C是根據本發明的實施例繪示的行動銀行應用程式10的示意圖。 1A-1C are schematic diagrams of a mobile banking application 10 according to an embodiment of the present invention.
請參考圖1A-1C,在本實施例中,行動銀行應用程式10 適於由電子裝置讀取以及儲存。行動銀行應用程式10包括行動支付介面11以及信用卡服務介面12。行動支付介面11適於供使用者進行多個款項支付。消費墊付收款介面12包括消費紀錄整合介面12A以及消費墊付設定介面12B。 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.
在本實施例中,消費紀錄整合介面12A顯示當期帳單金額以及多筆消費紀錄。多筆消費紀錄分別包括消費日期、消費場所、消費金額以及消費編輯按鈕。在其他實施例中,依據實際需求,多筆消費紀錄可以分別包括其他資訊,本發明不以此為限。消費墊付設定介面12B顯示多筆消費紀錄中的待處理消費、代墊付選擇區、拆帳選擇區、拆帳設定以及償還代墊付款項通知設定區。在其他實施例中,依據實際需求,消費墊付設定介面12B尚可以顯示其他設定欄位,本發明不以此為限。 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.
在本實施例中,消費編輯按鈕可為超連結點擊區、文字連結或是圖式連結,代墊付選擇區以及拆帳選擇區皆可為選擇按鈕、勾選方框或是滑動選擇列。 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.
在本實施例中,拆帳設定可包括拆帳人數、多個收款對象以及拆帳條件,拆帳條件例如是依據拆帳人數進行平均拆帳。在其他實施例中,拆帳條件也可以是依據多個收款對象進行特定比例拆帳,本發明不以此為限。 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.
在本實施例中,償還代墊付款項通知設定區包括通知訊息以及訊息傳送設定。通知訊息可為包括待處理消費、應償還金額以及信用卡帳號的預設內容訊息或是自定義內容訊息。在其他 實施例中,通知訊息也可以包括分別發送給多個收款對象的姓名或是暱稱,本發明不以此為限。訊息傳送設定可為通訊軟體轉發按鈕、電子郵件輸入欄位或是手機號碼輸入欄位。 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.
在本實施例中,使用者可通過點擊通訊軟體轉發按鈕、於電子郵件輸入欄位輸入電子郵件,或是於手機號碼輸入欄位輸入手機號碼,將通知訊息傳送至多個收款對象。 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.
舉例而言,預設內容訊息可設計為「敬啟者,請繳交03月03日於CCC餐廳的部分餐費。每個人新台幣500元。麻煩轉帳至XX銀行信用卡帳戶(帳號XXXXXXXXXXXXXX),亦或是點擊〔此處〕開啟XX銀行應用程式,就可以直接完成拆帳繳費。」。另一方面,作為個人化設定,自定義內容訊息可設計為「還錢啦,陳OO!03月03日於CCC餐廳的部分餐費。總共新台幣2,000元,4個人平分,所以每個人新台幣500元。你要嘛把錢匯到XX銀行信用卡帳戶(帳號XXXXXXXXXXXXXX),或要嘛點擊〔此處〕開啟XX銀行應用程式。快點哦,不然要算利息哦!」。值得一提的是,不論是預設內容訊息或是自定義內容訊息,通知訊息都會自動套用待處理消費、多個收款對象、應償還金額以及信用卡帳號等資訊,差別僅在於將這些資訊整合成完整訊息的其他文字。 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.
本實施例中,當期帳單金額自動扣除多個收款對象已支付至信用卡帳號的應償還金額,使用者僅須於繳費截止日前繳交剩餘信用卡應繳金額即可。除此之外,為了使支出分析報告貼近使用者真實消費狀況,信用卡支出分析系統輸出的支出分析報告 不包括已支付至信用卡帳號的應償還金額,並且同時將未支付至信用卡帳號的應償還金額列為代墊付支出。 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.
在本實施例中,當使用者開啟行動銀行應用程式10時,行動銀行應用程式10執行身分驗證程序,其中身分驗證程序包括輸入對應於客戶的帳戶所有人的登入帳號以及登入密碼,行動銀行應用程式10根據登入帳號以及登入密碼判斷客戶是否為帳戶所有人。在本實施例中,登入密碼包括文字密碼或是生物辨識特徵。 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.
圖2是根據本發明的實施例繪示的消費墊付收款系統100的示意圖。
FIG. 2 is a schematic diagram of a consumption advance
請參考圖2,消費墊付收款系統100包括訊號收發器110、記憶裝置120以及處理器130。
Please refer to FIG. 2 , the consumption advance
訊號收發器110以無線或有線的方式傳送及接收訊號。訊號收發器110還可以執行例如低噪聲放大、阻抗匹配、混頻、向上或向下頻率轉換、濾波、放大以及類似的操作。 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.
記憶裝置120例如是任何型態的固定式或可移動式的隨機存取記憶體(random access memory,RAM)、唯讀記憶體(read-only memory,ROM)、快閃記憶體(flash memory)、硬碟(hard disk drive,HDD)、固態硬碟(solid state drive,SSD)或類似元件或上述元件的組合,而用於儲存可由處理器130執行的多個功能模組。在本實施例中,記憶裝置120可儲存安裝於電子裝置的行動銀行應用程式10。 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.
處理器130例如是中央處理單元(central processing unit,CPU),或是其他可程式化之一般用途或特殊用途的微控制單元(micro control unit,MCU)、微處理器(microprocessor)、數位信號處理器(digital signal processor,DSP)、可程式化控制器、特殊應用積體電路(application specific integrated circuit,ASIC)、圖形處理器(graphics processing unit,GPU)、影像訊號處理器(image signal processor,ISP)、影像處理單元(image processing unit,IPU)、算數邏輯單元(arithmetic logic unit,ALU)、複雜可程式邏輯裝置(complex programmable logic device,CPLD)、現場可程式化邏輯閘陣列(field programmable gate array,FPGA)或其他類似元件或上述元件的組合。處理器130可耦接至記憶裝置120以及訊號收發器110,並且存取和執行儲存於記憶裝置120中的行動銀行應用程式10。針對行動銀行應用程式10具體相關細節,則如同圖1A-1C所繪示,茲不贅述。 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.
綜上所述,本發明所提出的行動銀行應用程式10以及消費墊付收款系統100,能夠允許使用者掌握消費情形,可選擇對代墊付款項分帳,向家人以及朋友發送償還代墊付款項通知,並且將家人以及朋友償還的款項直接由當期帳單中扣除,節省麻煩,同時不將相關款項納入消費分析圖,以使消費分析圖呈現出使用者實際消費情形。
In summary, the mobile banking application 10 and consumption advance
10:行動銀行應用程式 10: Mobile Banking App
100:消費墊付收款系統 100:Consumption advance payment collection system
110:訊號收發器 110:Signal transceiver
120:記憶裝置 120:Memory device
130:處理器 130: Processor
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US10108951B2 (en) * | 2012-11-30 | 2018-10-23 | Walmart Apollo, Llc | Splitting a purchase among multiple parties using an electronic receipt after the transaction |
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CN113762953A (en) * | 2020-06-01 | 2021-12-07 | 丰田自动车株式会社 | Information processing system, server, and recording medium |
TWM623083U (en) * | 2021-11-01 | 2022-02-01 | 合作金庫商業銀行股份有限公司 | Bill-splitting and collection system |
TWM632211U (en) * | 2022-04-26 | 2022-09-21 | 兆豐國際商業銀行股份有限公司 | Disbursement reimbursing system |
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US10108951B2 (en) * | 2012-11-30 | 2018-10-23 | Walmart Apollo, Llc | Splitting a purchase among multiple parties using an electronic receipt after the transaction |
CN110709876A (en) * | 2017-04-12 | 2020-01-17 | 哈瑞克思信息科技公司 | Bill splitting system |
CN113762953A (en) * | 2020-06-01 | 2021-12-07 | 丰田自动车株式会社 | Information processing system, server, and recording medium |
TWM623083U (en) * | 2021-11-01 | 2022-02-01 | 合作金庫商業銀行股份有限公司 | Bill-splitting and collection system |
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