TWM601392U - System for suggesting payment type - Google Patents

Abstract

A system for suggesting one of the payment types is provided. The system provides a server that is operated to receive store data from a user device. The store data can be an image including storefront, name, house number, logo or an identification code captured by the user device. The store data generally allows the server to identify the store via an image processing process. The server can therefore obtain commercial information with respect to this store by querying a database. The commercial information is such as a discount plan under certain payment conditions. A user can choose one payment method after receiving some suggestion messages relating to various payment methods with respect to the store from the server.

Description

Payment method suggestion system

The manual discloses a payment method recommendation technology, especially a system that provides payment recommendations based on user upload information.

Under commercial competition, various stores (including enterprises, online shopping malls, and physical stores) will provide various preferential activities to attract consumers to purchase goods (including goods and services). Some are long-term discounts, more short-term discounts, and various discounts. However, various restrictions on obtaining discounts will be set, such as time restrictions, product restrictions, or payment method restrictions. When consumers purchase goods, they must meet the preferential conditions set by the store to get preferential benefits. These conditions are often problems that plague consumers.

In addition to time and product restrictions, the preferential activities proposed by the store are usually payment methods in cooperation with specific banks or specific financial institutions, for example, set up a credit card issued by a certain bank, or even specify the card type or payment method (such as mobile payment) , Only those who meet the conditions can get the discount. In this way, when consumers want to get discounts, they need to understand the details, and more likely they need to consider whether to apply for a new credit card or a new payment method.

In the conventional technology, there are already websites or software programs that provide consumers with aggregated stores, products, and preferential schemes, but consumers still need to take the initiative to research, and they cannot effectively come up with preferential schemes that suit them.

In order to proactively and effectively provide consumers with suggestions for consumption among numerous commodity discount schemes and corresponding payment methods, the disclosure proposes a payment method suggestion system. The system implements a method of payment method suggestion through a server and provides usage Install a corresponding software program on the client device.

According to an embodiment of the payment method suggestion system, the system includes a software program running on the user's device, and a server is provided, and a database is provided to run the payment method suggestion method through the server.

In the method embodiment, the server receives the store information about a store uploaded by the user device. The store information can be the store image, store name, store number, logo image of the store, or store identification code. In, you can perform an image processing to identify the store.

Then, in the server, after identifying the store, query the database for business information about the store. According to one embodiment, the business information can be collected from a social network, aggregated news, provided by a store, or provided by a financial institution Various preferential schemes provided, such as preferential activities for purchasing specific goods or services using specific payment methods.

Then, in the server, based on the commercial information about the store, the recommended information about one or more payment methods provided to the user device can be obtained.

Further, the database records one or more payment methods used individually by multiple users, and one or more payment methods used individually by multiple stores. Among them, it should be possible to first obtain one or more payment methods that the user already has, and one or more payment methods that the user does not yet have, which can form part of the recommended information provided to the user.

Preferably, the suggested information provided to the user includes: suggestions on mobile payment methods in the store, suggestions on the use of credit cards, and/or suggestions on new applications for credit cards or payment methods.

In one embodiment, the server obtains the location information of the user's device from a software program executed on the user's device, and queries the database to obtain the business information of one or more stores associated with the geographic information, so as to actively provide it to The user device; afterwards, when the server receives the store information about the store uploaded from the user device, it then provides suggested information about one or more payment methods of the store.

Further, the software program running on the user device can display business information corresponding to the geographic location of the user device in a window. Moreover, after the server obtains the location information of the user's device, the recognizability of the image of each store is effectively improved because of the association between the store and its geographic location.

In order to further understand the features and technical content of the present invention, please refer to the following detailed descriptions and drawings about the present invention. However, the drawings provided are only for reference and explanation and are not used to limit the present invention.

The following are specific specific examples to illustrate the implementation of this creation, and those skilled in the art can understand the advantages and effects of this creation from the content disclosed in this specification. This creation can be implemented or applied through other different specific embodiments, and various details in this specification can also be modified and changed based on different viewpoints and applications without departing from the concept of this creation. In addition, the drawings in this creation are merely schematic illustrations, and are not depicted in actual size, and are stated in advance. The following embodiments will further describe the related technical content of this creation in detail, but the disclosed content is not intended to limit the protection scope of this creation.

It should be understood that although terms such as “first”, “second”, and “third” may be used herein to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are mainly used to distinguish one element from another, or one signal from another signal. In addition, the term "or" used in this document may include any one or a combination of more of the associated listed items depending on the actual situation.

The manual discloses a payment method suggestion system. The payment method suggestion method implemented by the system can provide consumers with locally-appropriate and personalized consumption suggestions in the various preferential schemes proposed in various forms of advertising messages, especially the payment method suggestions. , The recommendations are based on store information or geographic information provided by consumers, so it is applicable to stores or locations with physical storefronts (hereinafter referred to as "stores"), which can help consumers quickly find discounts that suit them Program.

The proposed payment method suggestion method, on the other hand, allows banks or financial institutions to immediately obtain useful payment suggestions through software programs running on the consumer's device, so that banking services can be associated with customers' lives, in addition to providing customers with personal exclusives instantly Discounts can also increase customers' adherence to banking services (such as mobile payment, credit cards, stored-value cards, mobile banking, etc.).

Figure 1 shows a schematic diagram of an embodiment of the architecture of the payment method suggestion system.

According to the architectural embodiment shown in the figure, the system side is provided with a server 14 in which the recommended method of running payment methods can be a server proposed by a bank or a financial institution, such as a server of an online bank, or processing the payment as disclosed A server for specific procedures such as method suggestions, in which a database 140 is set up. The database 140 records one or more payment methods used by multiple users (such as customers of a specific bank), as well as those with multiple stores. One or more payment methods used individually. In particular, the database 140 records commercial information about various stores, including various commercial information collected from social networking sites (such as social networking site 101, social networking site two 102) , Aggregate the information in the news from various sources, the discount information provided by various stores or by specific financial institutions, and the commercial information refers to the items or services proposed by the stores at a specific time (collectively referred to as "commodities"), Preferential terms formed by payment methods and cooperative banks.

When the server 14 obtains information from various sources through various channels or software programs, it should analyze the data to obtain useful information and store it in database technology, which can be classified according to the attributes of the customers of a specific financial institution. In order to facilitate quick inquiries, get personalized suggestions for each user.

Generally speaking, various discounts proposed by various stores will set restrictions on obtaining discounts, such as time restrictions, product restrictions, or payment method restrictions. The system further installs a software on the user device 12 on the user side. When the server 14 obtains certain geographic information or information of a certain store from this software program through the network 10, it can actively propose the user’s geographic location or store-related payment recommendations, and the payment recommendations mainly allow the user to When purchasing goods in the store, you can meet the preferential conditions set by the store to obtain preferential benefits.

It is worth mentioning that the reason why the server 14 can provide users with appropriate payment recommendations in a timely, appropriate and personalized manner is mainly because the database 140 updates the preferential schemes of multiple stores at any time, and the individual users of multiple users. One or more payment methods used, and one or more payment methods used individually with multiple stores, so that payment recommendations can be provided immediately based on the information provided by the user. For example, the server 14 accesses hosts of various information sources via the network 10 through software programs, such as social networking site one 101 and social networking site two 102, various news sources, and various discounts provided by the shops themselves. Information, such as store one 111, store two 112, and store three 113, can also include information proposed by financial institutions.

For the method of suggesting payment methods running in the server 14, refer to the flow chart of the embodiment shown in Figure 2. The scenario is that the user walks to the door of a certain store and wants to know what the discount is in the store and how the system recommends, that is, execute A software program in the user’s device to upload store information. One of the ways is to use the camera function of the user’s device to take images that can identify the store, such as the store’s storefront image, store name, store number, store logo image (Logo, trademark), or an identification used to identify the store Code (such as QR Code), or it can be input by keyboard or click on the geographic location through the electronic map, and then upload the obtained store information to the server (step S201). In the server, an image can be processed to identify store. It is mentioned here that to identify a store in this way, the database in the server should contain image information or characteristic data that can identify the store, so that the server can obtain the information in the image provided by the user through image processing , And finally the name of the store should be obtained to facilitate the query (step S203).

In the server, after identifying the store based on the store information, it is used to query the database for business information about the store (step S205). In this embodiment, the business information can represent various discounts issued by the store (or its enterprise) Programs, preferential programs include at least a specific payment method (or bank, or unlimited payment method), specific products (or unlimited specific products), consumer status (or unlimited status) within a specific time period Measures, such as discounts, rebates, points, etc.

After querying the database, the user can compare the payment plan and the business information of the store to generate business information about the store, which can be provided to the user's device with suggested information about the user's one or more payment methods (Step S207), in addition, a part of the advice information may include one or more payment methods that the recommending user applies for which he does not possess.

It is mentioned here that when the server obtains the store information from the user’s device, it can also obtain the user’s identity information at the same time. Therefore, it can query the database to obtain the user’s data, including the payment methods the user can use, such as already applying The type of credit card, payment method (mobile payment), etc., so that the server can draw user-related preferential programs, provide users with more accurate suggestions and choices, or provide appropriate other suggestions, for example, according to database records It is recommended to apply for a new credit card based on user characteristics and consumption records.

Fig. 3 shows a flowchart of another embodiment of the payment method suggestion method.

In this embodiment, the software program running on the user device will periodically obtain the location information in the user device and send it to the server (step S301), so that the server can receive the location information uploaded by the user device, and The user identity data can be obtained (step S303).

Then the software program in the server will query the database about the payment methods available to the user based on the user identity (step S305), and also query the database to obtain store information of one or more stores associated with the received geographic information (Step S307), a personalized preferential scheme can be provided (Step S309), and the provided method can be used to push the recommended payment information to the user device through a software program executed on the user device.

It is worth mentioning that the step of uploading geographic information from the user device in this process can be combined with the process described in Figure 2. That is, when the server receives the geographic information uploaded by the user device, in addition to querying the database to obtain the associated geographic information The business information of one or more stores can also be actively provided to the user’s device, as well as preferential information and recommended payment methods to the user.

The following describes the technical solution proposed in the disclosure book through the screens operated on the user's device, in which FIGS. 4A to 4C show schematic diagrams of an embodiment of providing personalized preferential information based on geographic information.

FIG. 4A shows a user device 40, in which a software program window (such as a pop-up window) displays the local business information 401 corresponding to the geographic location of the user device 40, which can initially display some information that attracts the user to click , Even including map information of nearby stores.

In Figure 4B, when the user clicks on the push information provided by the system, the user can browse the store business information 403, including store map information 405, through the software program interface running on the user device 40. The embodiment shows that the system provides User-specific credit card discount information for a specific store.

FIG. 4C schematically shows that when the user is further interested in the store, he can continue to browse more detailed information, such as the store map guide 407 displayed therein, in which at least one store 409 is marked, so that the user can follow the map guide to the store 409.

5A to 5C show schematic diagrams of an embodiment of providing preferential information based on store information. In this embodiment, business information of various stores has been recorded based on the database in the server, and one or more payment methods that each user already has , And can also include one or more payment methods that the user does not have.

FIG. 5A shows that the user operates the user device 50 to execute the software program, activates the camera function, and activates a store image scanning interface 501, which guides the user to take images that can identify the store, such as identifying storefronts, logos, and names in the store , House number, it can also be a two-dimensional barcode with store information. The software program can also support specific payment methods, such as the following payment functions: payment code 503 and debit collection 505.

Once the shooting is completed, the server is uploaded and the information is identified by the server through image processing. After querying the database, as shown in Figure 5B, the user device 50 is provided with relevant information, including discount information 507, which records the discount content of the store, Contact information, etc. It is mentioned here that because the server can also obtain the geographic information of the user device 50, the geographic information can be used to find the store corresponding to the relevant location, so the recognition of image processing can be improved according to the correlation between each store and the location information. .

FIG. 5C shows that the user continues to see the store map 509 through the software program interface on the user device 50, including related payment functions, such as payment 511.

6A and 6B then show schematic diagrams of an embodiment of providing preferential information and payment methods according to personal selection.

Figure 6A shows the function in the software program that allows the user to select the content format of the obtained information. In this example, select "Domestic Consumption Feedback" from the software program interface of the user device 60. At this time, various payment suggestions provided by the server can be Presented as a table, this example shows various credit cards and their corresponding feedback schemes. In particular, since the server database records the payment methods that the user can use, it can effectively make personal recommendations based on the user's personal preferences.

Figure 6B shows another example. In this example, mobile payment consumption feedback is selected on the user device 60. The server provides suggestions based on the payment methods available to the user, including the credit card used, general feedback, and online shopping feedback. The person can get clear payment advice at a glance.

Fig. 7A and Fig. 7B show schematic diagrams of an embodiment of providing preferential information and applying for payment schemes according to personal choice.

Fig. 7A shows an implementation example of a comprehensive selection suggestion presented on the user device 70, in which a preferential scheme can be provided according to the user’s existing payment method, which can include obtaining store offers and preferential rankings and suggestions, and can also guide the user to go online immediately For certain payment plans, the suggested information provided to users includes: suggestions on mobile payment methods in stores, suggestions on credit card use, and/or part of the suggested information can be for one or more payment methods that the user does not have , Provide a link to a new application for payment method or information on application operations, such as suggestions for a new application for a credit card or payment method, such as linking to the application page or providing relevant information.

In this example, the software program interface on the user device 70 displays the new application method and link, and the user can continue the next application process by applying for the link information (URL, APP store, etc.) of a specific payment tool.

To sum up, the disclosure book proposes a payment method suggestion system, in which the system side proposes a database, the database content can be aggregated from various information sources of multiple store preferential plans, and various bank payment services corresponding to the preferential plan, so According to the store information uploaded by the user, the store can propose corresponding discount information, especially including the suggestion of payment method, including a payment method suggestion list, which can record credit cards, stored value cards, and various types of payment Tools, etc., also include preferential measures corresponding to various payment methods, such as rebates, points and discounts, to solve users' troubles in choosing among many payment methods and preferential schemes.

The content disclosed above is only a preferred and feasible embodiment of the present model, and does not therefore limit the scope of the patent application of the present model. Therefore, all equivalent technical changes made using the description and schematic content of the present model are included in the application of the present model. Within the scope of the patent.

10: Internet 12: User device 14: server 140: database 101: Social Site One 102: Social Network Two 111: Store One 112: Store Two 113: Store Three 40: User device 401: Local Business Information 403: Store Business Information 405: Store Map Information 407: Store Map Guide 409: Store 50: User device 501: Store image scanning interface 503: payment code 505: Split Account Collection 507: Preferential Information 509: Store Map 511: payment 60: User device 70: User device S201～S207 payment method suggestion process: steps S301～S309 payment method suggestion process: steps

Figure 1 shows a schematic diagram of an embodiment of the structure of a payment method suggestion system;

Figure 2 shows one of the flowcharts of the embodiment of the payment method suggestion method;

Figure 3 shows the second embodiment of the flowchart of the payment method suggestion method;

4A to 4C show schematic diagrams of embodiments of providing personalized preferential information based on geographic information;

5A to 5C show schematic diagrams of an embodiment of providing preferential information according to store information;

6A and 6B show schematic diagrams of an embodiment of providing preferential information and payment methods according to personal choice; and

Fig. 7A and Fig. 7B show schematic diagrams of an embodiment of providing preferential information and applying for payment schemes according to personal choice.

S201: Receive store information uploaded by the user device

S203: Identify the store

S205: Query store related business information

S207: Provide user payment related information

Claims (10)

A payment method suggestion system, including: A server is provided with a database, wherein the database records one or more payment methods used by multiple users individually, and one or more payment methods used individually by multiple stores; The server runs a suggested payment method, including: The server receives a user's device shooting, keyboard input or clicks on a geographic location and uploads store information about a store; In the server, identify the store based on the store information to query the database for business information about the store; and In the server, based on the commercial information about the store, it obtains the recommended information about one or more payment methods for a user provided to the user device. The payment method suggestion system according to claim 1, wherein the store information uploaded by the user device is a storefront image of the store, a store name, a store number, a logo image of the store, or an identification of the store Code, in the server, after performing an image processing in the server, to identify the store. The payment method suggestion system according to claim 1, wherein, after querying the database about the business information of the store in the payment method suggestion method executed by the server, one or more information that the user already has Multiple payment methods. The payment method suggestion system according to claim 3, wherein, after inquiring about the business information of the store, it is obtained that the user does not have one or more payment methods. The payment method suggestion system according to claim 4, wherein one or more payment methods that the user does not already possess form part of the suggested information provided to the user, and provide a link to the new payment method or application information . The payment method suggestion system according to claim 5, wherein the suggestion information provided to the user includes: suggestions on the mobile payment method of the store, suggestions on the use of credit cards, and/or suggestions on applying for a new credit card or payment method. The payment method suggestion system according to claim 1, wherein the business information about the store recorded in the database is information collected from social networking sites, information obtained from the consolidated news, provided by the store or provided by a financial institution information. The payment method suggestion system according to any one of claim items 1 to 7, wherein the server periodically obtains the location information of the user device from a software program executed in the user device, and queries the database Obtain the business information of one or more stores associated with the geographic information to actively provide it to the user device; then, when the server receives the store information about the store uploaded from the user device, then provide information about the store Suggested information for the one or more payment methods. The payment method suggestion system described in claim 8, wherein the software program displays the business information corresponding to the geographic location of the user's device in a window. The payment method suggestion system according to claim 8, wherein after the server obtains the location information of the user's device, the one or more stores in the relevant location are obtained based on the location information, and the store and the location The relevance of information improves the degree of recognition of the images of each store.

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