TWM617012U - Card prompting system - Google Patents

Abstract

A card reminding system is suitable for communicating with a terminal electronic device for a client to operate, and includes a database server and a management server. The database server stores multiple authorization records of a card held by the customer. The management server is electrically connected to the database server. For each authorization record, the management server determines whether the authorization record includes a mobile payment identification data indicating one of a plurality of mobile payments. When the management server determines that the authorization record contains the mobile payment identification data indicating one of the mobile payments, the management server generates an instruction to bind the card to the mobile payment identification data indicated by the mobile payment and The binding mobile payment reminder data for the terminal electronic device to read.

Description

Card reminder system

This model relates to a reminder system, especially a card reminder system.

The popularization rate of Chinese people using credit cards and debit financial cards as payment tools is high. Compared with directly using a physical card to swipe the card, binding mobile payment or electronic payment provides higher convenience, and is now a common payment type. In addition, the subscription economy has become a significant lesson. Many users of credit and debit cards accept to bind or agree to merchants for credit and debit cards to facilitate future deductions for consumption.

Credit cards and debit financial cards may experience expiration or loss and need to be replaced. After the credit card and the debit card are replaced with a replacement card, the credit card and debit card number will be changed, and the binding settings of various payments and the agreed settings of withholding are invalid.

At present, credit card and debit card users mostly realize that they need to reapply for setting again when they fail to pay with their cards or receive a notification from the merchant that the payment cannot be deducted. Therefore, how to develop a new system that can provide the setting information of payment binding or contract withholding when the customer replaces the card is the subject of this new model.

Therefore, the purpose of the present invention is to provide a card reminder system.

Therefore, the new card reminding system is suitable for communicating with a terminal electronic device for a customer to operate, and includes a database server and a management server. The database server stores multiple authorization records of a card held by the customer. The management server is electrically connected to the database server.

For each authorization record, the management server determines whether the authorization record includes a mobile payment identification data indicating one of a plurality of mobile payments.

When the management server determines that the authorization record contains the mobile payment identification data indicating one of the mobile payments, the management server generates an instruction to bind the card to the mobile payment identification data indicated by the mobile payment and The binding mobile payment reminder data for the terminal electronic device to read.

In some implementation aspects, when the management server determines that the authorization record does not include the mobile payment identification data indicating one of the mobile payments, the management server determines whether an input method data included in the authorization record indicates Create an online store transaction mode that stores the card number of the card in the database.

When the management server determines that the input method data contained in the authorization record indicates an online store transaction mode in which the card number of the card is stored in the database, the management server generates a data for the terminal electronic device to read based on the authorization record The obtained binding electronic payment prompt data indicates an electronic payment related to the authorization record or a related business name.

In some implementations, when the management server determines that the input method data contained in the authorization record does not indicate the online store transaction mode in which the card number of the card is stored in the database, the management server determines that the authorization record contains Whether the input method data indicates manual input.

When the management server determines that the input method data included in the authorization record indicates manual input, the management server determines whether the business name related to the authorization record matches one of a plurality of first predetermined business names.

When the management server determines that the merchant name related to the authorization record matches one of the first predetermined merchant names, the management server generates a bound electronic payment speculation data for the terminal electronic device to read, the The bound electronic payment speculative data indicates the name of the merchant related to the authorization record.

The new card prompt system is suitable for communicating with a terminal electronic device for a customer to operate, and includes a database server and a management server. The database server stores multiple authorization records of a card held by the customer. The management server is electrically connected to the database server.

For each authorization record, the management server determines whether the authorization record contains a periodic flag.

When the management server determines that the authorization record includes the periodic flag, the management server generates an agreed withholding reminder data indicating a business name related to the authorization record for the terminal electronic device to read.

In some implementations, the management server filters out one or more sets of authorization records that have never contained the periodic flags, and generates corresponding one or more indicating the set of authorization records related to the The business name and the agreed withholding speculative data for the terminal electronic device to read, wherein the authorization amount of the authorization records of each group of authorization records is the same, and an authorization date of the authorization records has a fixed period, and The name of the business related to the authorization record is the same.

In some implementation aspects, the business name related to each set of authorization records matches one of a plurality of second predetermined business names.

The effect of the present model is: by generating the bound mobile payment prompt data when the authorization record contains the mobile payment identification data indicating one of the mobile payments, and by generating the bound mobile payment prompt data when the authorization record includes the input method The data indicates that the binding electronic payment reminder data is generated when the card number of the card is stored in the online store transaction mode of the database, and the merchant name related to the authorization record matches the first predetermined merchant name among them One is to generate the bound electronic payment speculative data for the customer's reference and reset the payment binding setting in time. Furthermore, by generating the agreed withholding reminder data when the authorization record contains the periodic flag, And by filtering out one or more sets of authorization records and generating corresponding one or more agreed withholding speculation data for the customer's reference and timely resetting the withholding agreement settings.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are represented by the same numbers.

Referring to FIG. 1, a first embodiment of the new card reminding system 100 is suitable for communicating with a terminal electronic device 200 operated by a client, and includes a database server 1 and a management server 2. The terminal electronic device 200 is, for example, a smart phone, a tablet computer, a laptop computer, or a desktop computer.

The database server 1 stores multiple authorization records of a card held by the customer. The card is, for example, a credit card or a debit financial card. The management server 2 is electrically connected to the database server 1.

1 and FIG. 2, the following describes the steps performed by the card reminding system 100 for each authorization record. First, as shown in step S01, the management server 2 determines whether the authorization record contains a mobile payment identification data indicating one of multiple mobile payments (such as Apple Pay, Samsung Pay, and Android Pay), and if so, execute Step S02, if not, execute step S03.

Step S02 is when the management server 2 determines that the authorization record contains the mobile payment identification data indicating one of the mobile payments, the management server 2 generates an instruction indicating that the card is bound to the mobile payment identification data. The mobile payment is output and is bound to the mobile payment prompt data for the terminal electronic device 200 to read.

Step S03 is when the management server 2 determines that the authorization record does not contain the mobile payment identification data indicating one of the mobile payments, the management server 2 determines that the authorization record contains an input mode data (POS Entry Mode). ) Whether it indicates the online store transaction mode (Credential on file, represented by a parameter value of 10) storing the card number of the card in the database, if yes, execute step S04, if not, execute step S05.

Step S04 is when the management server 2 determines that the input method data included in the authorization record indicates the online store transaction mode of storing the card number of the card in the database, and the management server 2 generates a report according to the authorization record. The bound electronic payment reminder data read by the terminal electronic device 200, the bound electronic payment reminder data indicating an electronic payment (such as line pay, icash, all-in-one card, etc.) related to the authorization record or a related business name .

Step S05 is when the management server 2 determines that the input method data contained in the authorization record does not indicate the online store transaction mode of storing the card number of the card in the database, the management server 2 determines that the authorization record contains the Whether the input method data indicates manual entry (manual entry, for example, represented by the parameter value 01), if yes, execute step S06, if not, end.

Step S06 is when the management server 2 determines that the input method data contained in the authorization record indicates manual input, the management server 2 determines whether the business name related to the authorization record matches a plurality of first predetermined business names. For one, if yes, execute step S07, if no, end.

Step S07 is when the management server 2 determines that the business name related to the authorization record matches one of the first predetermined business names, the management server 2 generates a binding for the terminal electronic device 200 to read Electronic payment speculative data, the bound electronic payment speculative data indicates the name of the merchant related to the authorization record. The names of the first predetermined merchants are, for example, the names of merchants that have a cooperative relationship with an electronic payment company.

In this embodiment, the management server 2 provides the client with a URL through instant messaging, APP push, email, or short message, for the client to connect to the URL with the terminal electronic device 200 to read the binding action Payment reminder data, the bound electronic payment reminder data, and the bound electronic payment speculative data.

1 and 3, the following describes the steps performed by a second embodiment of the new card reminding system 100 for each authorization record. First, as shown in step S11, the management server 2 determines whether the authorization record contains a recurrent flag, if yes, then execute step S12, if not, then end.

Step S12 is that when the management server 2 determines that the authorization record contains the periodic flag, the management server 2 generates an appointment code indicating a business name related to the authorization record and for the terminal electronic device 200 to read. Deduct reminder information.

1 and 4, the following describes the steps performed by the second embodiment of the new card reminding system 100 for the authorization records that do not include the periodic flag. First, as shown in step S21, the management server 2 filters out one or more sets of authorization records that never contain the authorization records of the periodic flag, and the authorization records of each set of authorization records have the same authorization amount, and An authorization date of the authorization records has a fixed period, and the business names related to the authorization records are the same, and the related business names match one of a plurality of second predetermined business names. In this embodiment, the second predetermined merchant names are, for example, the names of merchants that cooperate with the billing service (for example, audio-visual subscription service/fitness center/insurance/telecom/station 4/donation merchant).

Then, as shown in step S22, the management server 2 generates corresponding one or more agreed withholding speculation data indicating the merchant name related to the set of authorization records and for the terminal electronic device 200 to read.

In summary, the new card reminder system 100 generates the bound mobile payment reminder data when the authorization record contains the mobile payment identification data indicating one of the mobile payments, and by when the authorization record The included input method data indicates that the binding electronic payment reminder data is generated when the card number of the card is stored in the database of the online store transaction mode, and the merchant name related to the authorization record meets the first The binding e-payment speculation data is generated when one of the merchant names is reserved for the customer to refer to and reset the binding setting of payment in time. Furthermore, the agreement is generated when the authorization record contains the periodic flag Withholding reminder data, and by filtering out one or more sets of authorization records and generating corresponding one or more agreed withholding speculative data for the customer's reference and timely resetting the withholding agreement settings, it can indeed be achieved The purpose of this model.

However, the above are only examples of the present model. When the scope of implementation of the present model cannot be limited by this, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

100: Card reminder system 1: Database server 2: Management server 200: terminal electronics S01~S07: steps S11~S12: steps S21~S22: steps

The other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which: FIG. 1 is a schematic diagram of a hardware connection relationship of a first embodiment of the new card reminding system; Figure 2 is a flowchart of the first embodiment; Figure 3 is a flow chart of a second embodiment of the new card reminding system; and Fig. 4 is another flowchart of the second embodiment.

100: Card reminder system

1: Database server

2: Management server

200: terminal electronics

Claims (6)

A card reminding system, suitable for communicating with a terminal electronic device for a client to operate, and comprising: A database server that stores multiple authorization records of a card held by the customer; and A management server, electrically connected to the database server; For each authorization record, the management server determines whether the authorization record contains a mobile payment identification data indicating one of multiple mobile payments; When the management server determines that the authorization record contains the mobile payment identification data indicating one of the mobile payments, the management server generates an instruction to bind the card to the mobile payment identification data indicated by the mobile payment and The binding mobile payment reminder data for the terminal electronic device to read. The card reminder system of claim 1, wherein, when the management server determines that the authorization record does not contain the mobile payment identification data indicating one of the mobile payments, the management server determines that the authorization record contains 1. Whether the input method data indicates the online store transaction mode in which the card number of the card is stored in the database; When the management server determines that the input method data contained in the authorization record indicates an online store transaction mode in which the card number of the card is stored in the database, the management server generates a data for the terminal electronic device to read based on the authorization record The obtained binding electronic payment prompt data indicates an electronic payment related to the authorization record or a related business name. For example, the card prompt system of claim 2, wherein, when the management server determines that the input method data contained in the authorization record does not indicate the online store transaction mode of storing the card number of the card in the database, the management server The device determines whether the input method data contained in the authorization record indicates manual input; When the management server determines that the input method data contained in the authorization record indicates manual input, the management server determines whether the business name related to the authorization record matches one of a plurality of first predetermined business names; When the management server determines that the merchant name related to the authorization record matches one of the first predetermined merchant names, the management server generates a bound electronic payment speculation data for the terminal electronic device to read, the The bound electronic payment speculative data indicates the name of the merchant related to the authorization record. A card reminding system, suitable for communicating with a terminal electronic device for a client to operate, and comprising: A database server that stores multiple authorization records of a card held by the customer; and A management server, electrically connected to the database server; For each license record, the management server determines whether the license record contains a periodic flag; When the management server determines that the authorization record includes the periodic flag, the management server generates an agreed withholding reminder data indicating a business name related to the authorization record for the terminal electronic device to read. The card reminder system of claim 4, wherein the management server filters out one or more sets of authorization records that have never contained the periodic flags, and generates one or more corresponding instructions to indicate the set of authorization records The business name related to the authorization record and the agreed withholding speculative data for the terminal electronic device to read, where an authorization amount of the authorization records of each group of authorization records is the same, and an authorization date of the authorization records has A fixed period, and the name of the merchant related to the authorization records is the same. The card prompt system according to claim 5, wherein the business name related to each set of authorization records matches one of a plurality of second predetermined business names.

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