TWM566870U - System for intelligent financial management - Google Patents

Abstract

A system for intelligent financial management including a first server is provided. The first server provides a deposit system and performs a transaction corresponding to a transaction card. When performing the transaction and the cardholder's account is required to be debited, the deposit system debits from an available balance of the deposit of the cardholder's account. When the available balance of the deposit is not sufficient, the deposit system deducts an insufficient amount from an intelligent financial quota corresponding to the cardholder's account to generate a used intelligent financial quota.

Description

Smart financial system

This new creation is about a smart financial system.

The services provided by the Automated Teller Machine (ATM) include: the financial card withdrawal deposit account available balance, the cash card withdrawal cash card account available balance, the credit card debit credit card pre-deposit cash available balance. However, in order to use the above three services, the customer must carry three kinds of cards, which often causes inconvenience to the customer. When debiting from a deposit account but the available balance is insufficient, the customer must apply for an overdraft limit to avoid the chargeback failure.

The new creation provides a smart financial management system, which allows customers to use one card to complete the above three transaction services, and the capital cost is lower. In addition, the smart financial management system created by the new model also provides a smart financial management quota, so that after applying for a credit card, the customer can transfer the cash credit amount of the credit card to the smart financial limit for use when the balance of the deposit account is insufficient.

The novel creation proposes a smart wealth management system, which system includes a first server. The first server provides a deposit system and executes a transaction corresponding to the transaction card. When the transaction is executed and the card holder's account of the transaction card is debited, the deposit system debits the deposit available balance from the card holder's account of the transaction card. When the deposit available balance is insufficient to deduct, the deposit system deducts the insufficient amount from the smart financial limit of the cardholder's account corresponding to the transaction card to generate the used smart financial limit.

Based on the above, the smart wealth management system provided by the new creation allows the customer to use one card to complete the aforementioned three transaction services, and the capital cost is lower first. In addition, the smart financial management system created by the new model also provides a smart financial management quota, so that after applying for a credit card, the customer can transfer the cash credit amount of the credit card to the smart financial limit for use when the balance of the deposit account is insufficient.

The above described features and advantages of the present invention will become more apparent and understood from the following description.

Reference will now be made in detail to the exemplary embodiments of the embodiments herein In addition, wherever possible, the same reference numerals in the drawings

1 is a schematic diagram of a smart banking system according to an embodiment of the present invention.

Referring to FIG. 1 , the smart banking system 1000 includes an electronic device 100 , a first server 120 , and a second server 140 . The electronic device 100, the first server 120, and the second server 140 can communicate with each other through the network 10 by wire or wirelessly. In addition, both the first server 120 and the second server 140 may belong to the same bank (also referred to as a first bank), and both the first server 120 and the second server 140 may pass through the internal network 16 . Wired or wireless communication.

2A is a block diagram of an electronic device in accordance with an embodiment of the present invention.

Referring to FIG. 2A , the electronic device 100 includes a processing unit 20 , a display unit 22 , a communication unit 24 , and a storage unit 26 . The display unit 22, the communication unit 24, and the storage unit 26 are respectively coupled to the processing unit 20. The electronic device 100 is, for example, an electronic device such as a mobile phone, a tablet computer, a notebook computer, or an automatic teller machine, and is not limited herein.

The processing unit 20 can be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), programmable A controller, an Application Specific Integrated Circuit (ASIC) or other similar component or a combination of the above components.

The display unit 22 may provide a display device that displays a function within the display area of the first electronic device 100. The display unit 22 can be a liquid crystal display (LCD), a light-emitting diode (LED), a field emission display (FED), or the like that provides a display function.

The communication unit 24 can support a global system for mobile communication (GSM), a personal handy-phone system (PHS), a code division multiple access (CDMA) system, and a wideband code. Wideband code division multiple access (WCDMA) system, long term evolution (LTE) system, worldwide interoperability for microwave access (WiMAX) system, wireless fidelity (Wi- Fi) System or Bluetooth signal transmission component.

The storage unit 26 can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory or the like. Or a combination of the above elements.

In the present exemplary embodiment, the storage unit 26 of the electronic device 100 stores a plurality of code segments, which are executed by the processing unit 20 after the code segments are installed. For example, the storage unit 26 includes a plurality of modules, and the modules are used to perform the operations of the electronic device 100 in the smart banking system 1000, wherein each module is composed of one or more code segments. However, the novel creation is not limited thereto, and each operation of the electronic device 100 may also be implemented by using other hardware forms.

2B is a block diagram of a server in accordance with an embodiment of the present invention. It should be noted that since the first server 120 and the second server 140 in FIG. 1 may have substantially similar components, the first server 120 and the second are described herein only by the server 300. The components required by the server 140.

Referring to FIG. 2B, the server 300 of the embodiment includes a processing unit 30, a communication unit 32, and a storage unit 34. The communication unit 32 and the storage unit 34 are respectively coupled to the processing unit 30. The processing unit 30, the communication unit 32, and the storage unit 34 may be similar components to the processing unit 20, the communication unit 24, and the storage unit 26, respectively, and are not described herein.

In the present exemplary embodiment, the storage unit 34 of the server 300 stores a plurality of code segments, which are executed by the processing unit 30 after the code segments are installed. For example, the storage unit 34 includes a plurality of modules, and the modules 300 are respectively used to perform various operations in the smart banking system 1000, wherein each module is composed of one or more code segments. However, the novel creation is not limited thereto, and each operation of the server 300 may also be implemented by using other hardware forms.

Referring again to FIG. 1, in the present exemplary embodiment, the first server 120 can provide a deposit system 12. The second server 140 can provide a credit card system 14. In general, the services that the ATM can provide include: the financial card to withdraw the deposit account available balance, the cash card to withdraw the cash card account available balance, and the credit card to withdraw the credit card pre-deposit cash available balance. The capital cost (for example, the handling fee) is from high to low, which is the available balance of the credit card pre-deposited cash, the available balance of the cash card debiting cash card account, and the available balance of the financial card debiting deposit account.

In the present exemplary embodiment, the first server to which the first server 120 and the second server 140 belong can make a transaction card in which the financial card and the credit card are unified. For example, after the customer fills in the application and passes the credit card credit approval, before the card is produced, the credit card system 12 transmits a file (including the credit card number, the customer's identity card number, etc.) according to the message Queue (MQ) transmission protocol. The deposit system 12 is issued to produce financial card related information. After that, the card machine (not shown) can write the financial card data and the credit card data into the wafer of the transaction card, and write the credit card information into the magnetic strip of the transaction card (for example, the second track), and the financial card data. Another track (for example, the third track) of the magnetic stripe written to the transaction card. In addition, when the card making is completed, the credit card system 14 multiplies the credit card pre-borrowing cash amount by a smart money quota flow rate set as a smart financial limit, and transmits the smart financial limit to the deposit in the message array transmission agreement. System 12. The customer can contact the first bank's customer service center at any time to request to increase or decrease the smart financial limit, and the credit card system 14 can immediately notify the deposit system 12 to increase or decrease the smart financial limit.

In the present exemplary embodiment, it is assumed that a customer performs a transaction using the electronic device 100 (eg, ATM). This transaction is, for example, a withdrawal from a deposit account or a debit from the deposit account. When the transaction is executed and the account of the card holder of the transaction card (i.e., the aforementioned customer) is debited, the deposit system 12 debits a deposit available balance from the card holder's account of the transaction card. However, when the deposit available balance is insufficient to deduct, the deposit system 12 deducts an insufficient amount from a smart financial account of the cardholder's account corresponding to the transaction card to generate a used smart financial limit.

For example, assume that the credit card available balance of the cardholder's account is 2,000 yuan, and the cardholder's account has a smart financial limit of 5,000 yuan. When the deposit system 12 is required to deduct 3,000 yuan from the deposit available balance of the card holder's account of the transaction card, since the deposit available balance is insufficient to deduct (ie, less than 1,000 yuan), the deposit system 12 will deduct from the smart financial limit. Insufficient amount (ie, 1,000 yuan) to generate the amount of smart money that has been used. At this time, the amount of smart money that has been used is 1,000 yuan.

When the cardholder uses the electronic device 100 to perform an operation to deposit an amount (referred to herein as the first amount) into the cardholder's account of the transaction card, the deposit system 12 repays the used amount according to the first amount. Smart financial management. For example, following the above example, when the used smart financial management amount is 1,000 yuan, if the cardholder deposits 1,000 yuan into the cardholder's account of the transaction card, the deposited 1,000 yuan will be used to repay the used The amount of smart financial management is 1,000 yuan.

In addition, the deposit system 12 transmits the first amount and the used smart money amount to the credit card system 14 on a daily basis. The credit card system 14 calculates a daily balance of the corresponding smart money amount based on the received first amount and the amount of smart money that has been used. That is to say, the daily usage balance is the value obtained by deducting the amount of the smart money that has been used in the day from the first amount repaid by the user on the same day.

When the credit card system 14 performs a closing operation corresponding to the closing cycle, the credit card system 14 records the credit balance of the day on which the closing operation is performed to the cardholder's credit card payment of the transaction card to generate a credit card statement, the credit card system. 14 The credit card will be charged to the cardholder of the one-way transaction card based on the credit card reconciliation. The credit card payment includes a handling fee, which is a maximum current day usage balance corresponding to the current month of the closing cycle multiplied by a credit card pre-borrowing cash handling rate. In particular, in the present exemplary embodiment, the credit card system 14 only charges a handling fee once a month, which is different from the general pre-borrowing cash, and the cash handling fee is pre-paid for each transaction.

When the usage balance is recorded to the customer credit card payment on the day when the closing operation is performed, the credit card system 14 transmits a debit file and an accounting file to the deposit system 12 in the transmission protocol of the message queue. The deposit system 12 will deduct the smart financial limit from the deductible file on the day of the closing operation, and the deposit system 12 will subtract the balance of the day on the day of the closing operation from the account on the day of the closing operation. By deducting the file and the account file, you can reduce the amount of smart money to avoid the need to continue to use the credit card limit, and deposit the account to repay the used smart money amount (which has to be cleared from the credit card statement).

For example, suppose the cardholder's day use balance is 4,000 yuan on the day of the closing of the account, and the cardholder's smart financial limit is 5,000 yuan. When the closing operation is performed, since the balance of the day when the closing operation is recorded to the credit card payment is settled to the cardholder, the deposit system 12 will use the balance on the day of the closing operation according to the account file (ie, 4000). Yuan) The balance used on the day of the closing of the closing operation (ie, 4,000 yuan) is used to make the balance of the day of the closing operation zero. In addition, the deposit system 12 may use the deductible file to deduct 5,000 yuan of the smart financial management amount from the balance of 4000 yuan on the day of the closing operation to adjust the smart financial limit to 1,000 yuan, because the 4,000 yuan is credit card advancement, and the cardholder There is no repayment, so it is necessary to reduce the amount of smart money to avoid the use of credit cards beyond the continuous use.

After the credit card system 14 records the day-to-day usage balance of the day when the closing operation is performed to the cardholder's credit card payment of the transaction card, when the credit card system 14 receives a reimbursement record from the deposit system 12, the credit card system 14 will repay the record. The corresponding amount (also referred to as the first amount) is deducted from the balance on the day of the closing operation to obtain an actual repayment amount. For example, suppose the credit card system 14 receives a repayment record of 4,000 yuan, and the balance of the day of the closing operation is 4,000 yuan. Since the balance of the day of the closing operation has been paid by the credit card, the repayment of the record of 4,000 yuan must be deducted. The actual repayment amount of the cardholder is the amount of 4,000 yuan used on the day of the account operation.

Thereafter, when the cardholder uses the electronic device 100 to deposit the first amount into the account of the card holder of the transaction card again, the credit card system 14 increases the smart money amount by the first amount. When the cardholder clears the credit card's smart wealth arrears, the credit card system 14 will increase the smart account amount of the deposit account according to the repayment amount and the same amount.

In the present exemplary embodiment, in order to prevent the cardholder from using the credit card pre-borrowing cash with higher capital cost, the credit card system 14 and the bank of the bank (also referred to as the first bank) to which the deposit system 12 belongs are not provided corresponding to A credit card pre-borrowing cash option for the transaction card. However, an automated teller machine other than the other banks of the first bank described above (collectively, the second bank) may provide a credit card pre-borrowing cash option corresponding to the transaction card. When the cardholder performs an operation corresponding to the credit card pre-borrowing cash option of the transaction card at the ATM of the second bank, the first bank verifies the cash advance password corresponding to the transaction card, and the cash option for the credit card pre-borrowing The operation charges a pre-borrowing cash handling fee.

In this exemplary embodiment, when the cardholder performs a foreign cash advance transaction using the credit card number corresponding to the transaction card, the message corresponding to the credit card number passes through the third server of the financial company (not shown). Transfer to the first server 120. The first server 120 queries the password of the deposit account (also referred to as the first deposit account) corresponding to the transaction card according to the credit card number, and verifies whether the password of the first deposit account is the same as the password entered by the user. . In particular, the above-mentioned message corresponding to the credit card number is not transmitted to the first server 120 via the fourth server (not shown) of the joint credit card center.

When the used smart wealth management quota is overdue, the credit card system 14 will notify the deposit system 12 to suspend the use of the smart financial limit. However, if the deposit account has money deposited, it can still be reimbursed to repay the amount of smart money that has been used. In addition, when the transaction card is deactivated, the credit card system 14 will notify the deposit system 12 to stop using the smart banking limit.

FIG. 3 is a flow chart of a smart banking method according to an embodiment of the present invention.

Referring to FIG. 3, in step S301, the first server 120 provides the deposit system 12 and executes a transaction corresponding to a transaction card. When the above transaction is executed and the card holder's account of the transaction card needs to be debited, in step S303, the deposit system 12 debits the deposit available balance from the card holder's account of the transaction card. When the deposit available balance is insufficient to deduct, in step S305, the deposit system 12 deducts the insufficient amount from the smart financial limit of the card holder's account corresponding to the transaction card to generate the used smart financial limit.

In summary, the smart financial management system provided by the new creation allows customers to use one card to complete the above three transaction services, and the capital cost is lower. In addition, the smart financial management system created by the new model also provides a smart financial management quota, so that after applying for a credit card, the customer can transfer the cash credit amount of the credit card to the smart financial limit for use when the balance of the deposit account is insufficient.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the novel creation, and any person skilled in the art can make some changes without departing from the spirit and scope of the novel creation. Retouching, the scope of protection of this new creation is subject to the definition of the scope of the patent application attached.

1000‧‧‧Smart Banking System

100‧‧‧Electronic devices

120‧‧‧First server

140‧‧‧Second server

10‧‧‧Network

12‧‧‧ Deposit System

14‧‧‧ Credit Card System

16‧‧‧Internal network

20, 30‧ ‧ processing unit

22‧‧‧Display unit

24, 32‧‧‧ communication unit

26, 34‧‧‧ storage unit

S301‧‧‧Steps in which the first server provides a deposit system and executes a transaction corresponding to a transaction card

S303‧‧‧ When the above transaction is executed and the cardholder’s account of the transaction card is debited, the deposit system debits the deposit available balance from the cardholder’s account of the transaction card

S305‧‧‧ When the deposit available balance is insufficient to deduct, the deposit system deducts the insufficient amount from the smart financial limit of the cardholder's account corresponding to the transaction card to generate the used smart financial limit

1 is a schematic diagram of a smart banking system according to an embodiment of the present invention. 2A is a block diagram of an electronic device in accordance with an embodiment of the present invention. 2B is a block diagram of a server in accordance with an embodiment of the present invention. FIG. 3 is a flow chart of a smart banking method according to an embodiment of the present invention.

Claims (17)

A smart banking system includes: a first server for connecting to a network, and the first server provides a deposit system and executes a transaction corresponding to a transaction card; a second server is coupled to the a network, and the second server communicates with the first server via an internal network; and an electronic device connected to the network, wherein when the transaction is executed and the card holder of the transaction card is required When the account is debited, the deposit system debits the deposit available balance from the cardholder's account of the transaction card, and when the deposit available balance is insufficient to deduct, the deposit system receives the card from the corresponding transaction card. A smart financial limit of a person's account is deducted from an insufficient amount to generate a used smart financial limit. The smart banking system of claim 1, wherein the electronic device performs an operation to deposit a first amount into an account of the card holder of the transaction card, and the deposit system repays the card according to the first amount The amount of smart financial resources that have been used. The smart banking system of claim 2, wherein the second server provides a credit card system, and the deposit system transmits the first amount and the used smart money amount to the credit card system daily. The credit card system calculates a daily usage balance corresponding to the smart financial limit based on the first amount and the used smart financial limit. The smart banking system of claim 2, wherein when the credit card system performs a closing operation corresponding to a closing cycle, the credit card system records the current day's usage balance on the day when the closing operation is performed to A credit card payment of the cardholder of the transaction card to generate a credit card statement, the credit card system charging the cardholder of the transaction card in accordance with the credit card reconciliation. The smart wealth management system of claim 4, wherein the credit card payment includes a handling fee, which is a maximum current day usage balance corresponding to the current month of the closing cycle multiplied by a credit card pre-borrowing cash procedure. Rate. The smart banking system of claim 4, wherein the credit card system transmits a debit file and an account file to the deposit system, and the deposit system deducts the smart financial limit from the debit amount on the day of the closing operation. The current day balance is used, and the deposit system subtracts the current day's usage balance on the current day of the closing operation from the account balance to the current day's usage balance on the day of the closing operation. The smart banking system of claim 4, wherein after the credit card system records the day-to-day usage balance of the closing operation to the cardholder of the transaction card, When the credit card system receives a reimbursement record corresponding to the first amount from the deposit system, the credit card system deducts the first amount from the current day's usage balance on the day of the closing operation to obtain an actual repayment amount. The smart banking system of claim 6, wherein the credit card system records the usage balance of the day when the closing operation is performed on the day of the credit card payment to the cardholder of the transaction card, When the electronic device deposits the first amount into the account of the card holder of the transaction card, the credit card system increases the smart money amount by the first amount. The smart banking system of claim 3, wherein the credit card system and a first bank Automated Teller Machine (ATM) to which the deposit system belongs do not provide a credit card prepayment corresponding to the transaction card. Cash option. The smart banking system of claim 9, wherein the second bank's automated teller machine provides the credit card pre-borrowing cash option corresponding to the transaction card, the second bank being different from the first bank. The smart banking system of claim 10, wherein when the second bank's automated teller machine performs an operation corresponding to the credit card pre-borrowing cash option of the transaction card, the first bank verification corresponds to the transaction card A pre-borrowing cash password and a pre-borrowing cash handling fee for the credit card pre-borrowing cash option operation. The smart banking system according to claim 10, wherein when a foreign cash loan transaction is executed using a credit card number corresponding to the transaction card, a message corresponding to the credit card number is passed through a financial company. Transmitting, by the third server, the first server, the first server querying according to the credit card number Corresponding to the password of a first deposit account of the transaction card, and verifying whether the password of the first deposit account is the same as the password entered by the user. The smart banking system of claim 10, wherein the message corresponding to the credit card number is not transmitted to the first server via a fourth server of a joint credit card center. For example, in the smart wealth management system described in claim 3, wherein the credit card system notifies the deposit system to suspend the use of the smart financial management amount when the used smart financial management amount is overdue. The smart banking system of claim 3, wherein when the transaction card is deactivated, the credit card system notifies the deposit system to stop using the smart financial limit. For example, the smart wealth management system described in claim 3, wherein the smart financial management amount is a smart financial credit flow utilization ratio multiplied by a credit card pre-borrowing cash credit amount, and the credit card system transmits the smart financial management credit to the deposit system. The smart banking system of claim 1, wherein the track of the magnetic strip of the transaction card comprises a credit card material and the other track of the magnetic strip of the transaction card comprises a financial card material.