TWM594744U - Electronic payment analysis system - Google Patents

Abstract

An electronic payment analysis system includes a portable device, a backend server, and a banking system. The portable device is configured to add transaction data. The backend server is connected to the portable device. The backend server is configured to record a transaction data and generate a preference record. The banking system is connected to the portable device and the backend server. The banking system is configured to receive the preference record and compare an asset allocation message with the preference record in response to the asset allocation message to generate a product recommendation message.

Description

Electronic payment analysis system

The new model relates to an electronic payment analysis system.

Due to the rapid development of e-commerce, the number of people using electronic payment as a payment method has gradually increased. Users do not need to carry cash to go out, they can integrate payment cards such as credit cards and debit cards into mobile devices. Users only need to carry this mobile device for consumption, which can not only reduce the loss of cards or cash, but also increase consumption. Convenience.

For financial institutions such as banks, for transaction data generated by users using electronic payments, banks can recommend a more suitable asset allocation method for users based on the aforementioned transaction data. Therefore, how to propose an electronic payment analysis system is one of the problems that the industry is eager to invest in R&D resources.

One technical aspect of the new model is an electronic payment analysis system.

According to an embodiment of the present invention, an electronic payment analysis system includes a portable device, a background server, and a banking system. Portable device settings to add transaction data. The back-end server is connected to the portable device. The background server is set to record transaction data and produce Health preference records. The banking system connects the portable device and the background server. The banking system is set up to receive preference records and compare asset allocation information with preference records based on asset allocation information to generate product recommendation information.

In some embodiments of the present invention, the background server includes a receiving unit configured to receive product recommendation information.

In some embodiments of the present invention, the background server includes a processing unit connected to the receiving unit. The processing unit is set to decide to deliver the message.

In some embodiments of the present invention, the delivery message includes highlighted text or special effect advertisements.

In some embodiments of the present invention, the background server includes an output unit, which is connected to the processing unit. The output unit is set to transmit the delivery message to the portable device.

In some embodiments of the present invention, the background server includes a storage unit configured to store product recommendation information and delivery information.

In some embodiments of the present invention, the portable device includes a delivery message receiving unit configured to receive the delivery message.

In some embodiments of the present invention, the delivery message is related to the product recommendation message.

In some embodiments of the present invention, the portable device includes a display unit connected to the delivery message receiving unit and configured to display the delivery message.

In some embodiments of the present invention, the portable device includes a storage unit configured to store the delivery information.

In the above-mentioned embodiment of the present invention, the background server of the electronic payment analysis system can record the transaction data of the portable device of the user (client) and generate a preference record. The banking system of the electronic payment analysis system can receive preference records, and according to the user Asset allocation information, compare asset allocation information and preference records, and generate product recommendation information. In this way, it is possible to provide users of portable devices with a more suitable way to allocate their assets in real time, and to use funds more flexibly.

10: Electronic payment analysis system

100: portable device

110: Drop message receiving unit

120: display unit

130: storage unit

200: background server

210: receiving unit

220: processing unit

230: output unit

240: storage unit

300: Banking system

S410, S420, S430, S440, S450: steps

I: Internet

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the drawings are described as follows:

FIG. 1 is a schematic diagram of an electronic payment analysis system according to an embodiment of the present invention.

FIG. 2 shows a system block diagram of the background server of FIG. 1.

FIG. 3 is a system block diagram of the portable device of FIG. 1.

FIG. 4 shows an operation flowchart of an electronic payment analysis system according to an embodiment of the present invention.

In the following, a plurality of embodiments of the present invention will be disclosed in the form of diagrams. For the sake of clarity, many practical details will be described together in the following description. However, it should be understood that these practical details should not be used to limit this creation. That is to say, in some embodiments of the new model, these practical details are unnecessary. In addition, in order to simplify the drawings, some conventional structures and elements will be shown in a simple schematic manner in the drawings.

With regard to the "connection" used in the present invention, it can refer to two or more elements making direct physical or electrical contact with each other, or indirectly making physical or electrical contact with each other, or it can mean that two or more elements interact or operate with each other , Or connected via the Internet, it does not deviate from the spirit of the new model With scope. Furthermore, the components such as systems, devices, components, and servers used in the present invention can be operated in independent computer hosts or devices, or can be operated and integrated into one or more computer hosts or devices. In the meantime, it does not deviate from the spirit and scope of the new model.

FIG. 1 is a schematic diagram of an electronic payment analysis system 10 according to an embodiment of the present invention. As shown in FIG. 1, the electronic payment analysis system 10 includes a portable device 100, a background server 200 and a banking system 300. The portable device 100 is set to add transaction data. The background server 200 is connected to the portable device 100 via Internet I communication. The background server 200 is configured to record the aforementioned transaction data and generate a preference record. The banking system 300 connects the portable device 100 and the background server 200 via Internet I communication. The banking system 300 is configured to receive preference records, and compare asset allocation information with preference records based on asset allocation information to generate product recommendation information for reference by users of the portable device 100.

The portable device 100 may be a mobile device of a user (client), for example, a smart phone, a tablet computer, or the like. The back-end server 200 may be a bank database host, which serves as a back-end server of the client's mobile device to provide various product information and features to provide reference for the business management unit or marketing personnel of the bank system 300. The banking system 300 may be a bank counter system, which is operated by a bank's business management unit or marketing personnel. For example, the business management unit or marketing personnel of the banking system 300 can compare the asset allocation information with the customer's preference record based on the asset allocation information of the back-end server 200, and generate product recommendation information for reference by the customer.

In some embodiments, the connection between the portable device 100 and the background server 200 or the banking system 300 can be connected through a wireless network, for example, a radio frequency device including a wireless network function, a baseband device, an antenna, or other Similar elements or combinations of the above elements. The connection between the background server 200 and the banking system 300 can be connected through a wired network, for example, an Ethernet card including a wired network function can be used.

FIG. 2 shows a system block diagram of the background server 200 of FIG. 1. For clear description, please refer to FIGS. 1 and 2 together. The background server 200 includes a receiving unit 210, a processing unit 220, an output unit 230, and a storage unit 240.

The receiving unit 210 is configured to receive product recommendation information. The processing unit 220 is electrically connected to the receiving unit 210, and the processing unit 220 is configured to determine the delivery message. In this embodiment, the posting information is related to product recommendation information. For example, the content of the posted message and the content of the product recommendation information may be the same to provide customers with appropriate feedback information. In some embodiments, the delivery message may include highlighted text or special-effect advertisements to attract customers' attention. The processing unit 220 may be implemented as an integrated circuit such as a microcontroller, a microprocessor, a digital signal processor, an application specific integrated circuit (ASIC), or a logic circuit Or other similar elements or a combination of the above elements.

The output unit 230 is electrically connected to the processing unit 220. The output unit 230 is configured to transmit the delivery message to the portable device 100. In some embodiments, the output unit 230 of the background server 200 may first send the delivery message to the banking system 300 for the industry management or marketing personnel of the banking system 300 to further design the presentation method of the feedback message, and then complete the design The delivery message is sent to the portable device 100 for reference by users (such as customers).

The storage unit 240 is electrically connected to the processing unit 220, and the storage unit 240 is configured to store product recommendation information and delivery information. The storage unit 240 may be implemented as a memory, a hard disk, a flash drive, a memory card, or the like.

FIG. 3 is a system block diagram of the portable device 100 of FIG. 1. For clear description, please refer to FIGS. 1 to 3 together. The portable device 100 includes a delivery message receiving unit 110, a display unit 120, and a storage unit 130.

The drop message receiving unit 110 is configured to receive drop messages. In some embodiments, the delivery message may be transmitted to the delivery message receiving unit 110 of the portable device 100 via the output unit 230 of the background server 200. In some other embodiments, the delivery message may be first sent to the banking system 300 by the output unit 230 of the back-end server 200 for design by the business management unit or marketing staff of the banking system 300, and then the designed delivery message may be sent to Portable device 100.

The display unit 120 is electrically connected to the delivery message receiving unit 110, and the display unit 120 is configured to display the delivery message. The display unit 120 may be implemented as a display screen, such as a liquid crystal display, a light-emitting diode display, or an electronic paper display, etc.

The storage unit 130 is electrically connected to the delivery message receiving unit 110. The storage unit 130 is configured to store the delivery message. The storage unit 130 may be implemented as a memory, a hard disk, a flash drive, a memory card, or the like.

FIG. 4 shows an operation flowchart of the electronic payment analysis system 10 according to an embodiment of the present invention. Please refer to FIG. 1 to FIG. 4 together. In step S410, after the electronic transaction payment transaction is completed, the transaction data is recorded. In detail, the user conducts electronic transactions through the portable device 100, so the portable device 100 adds a piece of transaction data. The foregoing transaction data may include at least one type of transaction information, such as consumer merchants, purchase items, consumption amount, consumption time, consumption location, and so on.

After step S410, proceed to step S420 to generate a preference record based on the transaction data. In detail, the portable device 100 transmits the transaction data to the background server 200. The background server 200 can generate a preference record according to the transaction data. Aforementioned preferences The record may contain consumer information and consumer product information. For example, consumer information may include consumer gender data, age data, residence data, etc. Consumer product information can include consumer businesses, items purchased, amount spent, and so on.

After step S420, proceed to step S430, based on the asset allocation information, comparing the asset allocation information with the preference record to generate product recommendation information. In detail, the background server 200 can provide the user's asset allocation information to provide the business management unit or marketing personnel of the banking system 300 according to the asset allocation information, compare the asset allocation information and the preference records, and analyze the user ( If the customer) can adjust or accept new products. For example, if the transaction amount of the user's transaction data exceeds a certain amount, the backend server 200 generates a high consumption preference record for the user by comparing the user's asset allocation information with the preference record , Can recommend the financial products with large investment amount of the user.

After step S430, steps S440 and S450 are continued, and after the delivery message is transmitted to the portable device 100, the delivery message is displayed on the display screen of the portable device 100. In detail, after the business management personnel or marketing personnel of the banking system 300 are based on the user's asset allocation information and preference records, they can provide delivery information related to product recommendation information to the user of the portable device 100. In this way, through the operation of the electronic payment analysis system 10, the product recommendation information to be recommended to the customer can be dynamically analyzed and adjusted at the first time, and the user can obtain the feedback of the delivery information in real time.

In summary, the present invention provides an electronic payment analysis system, including a portable device, a background server, and a banking system. Based on asset allocation information, asset allocation information and preference records are compared to generate product recommendation information, which can provide users of portable devices (such as customers) with a more suitable way of asset allocation in real time, and can use funds more flexibly.

Although this disclosure has been disclosed as above by way of implementation, it is not intended to limit this disclosure. Anyone who is familiar with this skill should be able to make various changes and retouching within the spirit and scope of this disclosure, so the protection of this disclosure The scope shall be determined by the scope of the attached patent application.

10: Electronic payment analysis system

100: portable device

200: background server

300: Banking system

I: Internet

Claims (10)

An electronic payment analysis system, including: A portable device, set to add a transaction data; A background server connected to the portable device, set to record the transaction data, and generate a preference record; and A banking system is connected to the portable device and the backend server, set to receive the preference record, and compares the asset configuration information with the preference record according to an asset configuration information to generate a product recommendation information. The electronic payment analysis system according to claim 1, wherein the background server includes a receiving unit configured to receive the product recommendation information. The electronic payment analysis system according to claim 2, wherein the background server includes a processing unit connected to the receiving unit, and the processing unit is set to determine a delivery message. The electronic payment analysis system as described in claim 3, wherein the delivery message includes highlighted text or special effect advertisement. The electronic payment analysis system according to claim 3, wherein the background server includes an output unit connected to the processing unit, and the output unit is configured to transmit the delivery message to the portable device. The electronic payment analysis system according to claim 5, wherein the background server includes a storage unit configured to store the product recommendation information and the delivery information interest. The electronic payment analysis system according to claim 3, wherein the portable device includes a drop message receiving unit configured to receive the drop message. The electronic payment analysis system as described in claim 3, wherein the placement message is related to the product recommendation information. The electronic payment analysis system as described in claim 8, wherein the portable device includes a display unit connected to the placement message receiving unit and configured to display the placement message. The electronic payment analysis system according to claim 9, wherein the portable device includes a storage unit configured to store the placement message.

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