TWM628396U - Installment balance payment system - Google Patents

Abstract

An installment balance payment system is provided. The installment balance payment system includes a transceiver, a memory and a processor, and the processor is coupled to the transceiver and the memory. The memory stores the mobile banking application installed on the electronic device. The processor is configured to access and execute mobile banking applications. The mobile banking applications are configured to read and storage by electronic devices. The mobile banking application includes a bank identification area and a credit card service interface. The bank identification area displays the name of the bank. The credit card service interface includes a current bill display area for displaying multiple bill information, and an installment bill display area for displaying multiple installment bills and multiple installment information. Multiple billing information includes the amount due. Multiple installment information includes summary, total amount, remaining installments, payable amount for each installment, and hyperlink click area. The hyperlink click area is suitable for clearing the balance of the corresponding summary through a click operation by the user.

Description

Installment balance payment system

This novel creation is about a payment system, and in particular, a payment system with balance payments in installments.

At present, there are consumption installment zero-interest rate activities in physical stores or online channels, and users can also apply for bill installment or single consumption installment online. If you want to settle the balance of the credit card installment payment, you must call the card-issuing bank for confirmation by customer service before proceeding. Therefore, there is a need to put forward an improvement plan.

The novel creation provides an installment balance payment system, which can allow users to settle the remaining balance of the existing installment payment online at one time.

The instalment balance payment system of the present invention includes a signal transceiver, a memory device and a processor, and the processor is coupled to the signal transceiver and the memory device. The memory device stores the mobile banking application installed on the electronic device. The processor is adapted to access and execute mobile banking applications. The mobile banking application includes an institution identification area and a credit card service interface. The institution identification area displays the name of the financial institution. The credit card service interface includes a current bill display area for displaying multiple bill information, and an installment bill display area for displaying multiple installment bills and multiple installment information corresponding to the multiple installment bills. Several billing information includes the amount due. Multiple installment information includes installment summary, total installment amount, remaining installments, payable amount for each installment, and hyperlink click area. The hyperlink click area is suitable for clearing the balance of the corresponding installment summary through the user's click operation.

In an embodiment of the present invention, the above-mentioned hyperlink click area can be a text link or a graphic link.

In an embodiment of the present invention, the above-mentioned hyperlink click area is connected to the payment interface of the mobile banking application.

In an embodiment of the present invention, when the user opens the mobile banking application, the mobile banking application executes an identity verification process, wherein the identity verification process includes inputting a login account and a login password corresponding to the account owner of the user, The mobile banking application determines whether the user is the account owner based on the login account and login password.

In an embodiment of the present invention, the above-mentioned login password includes a text password or a biometric identification feature.

In an embodiment of the novel creation, the above-mentioned remaining amount is the product of the amount payable in each installment and the number of remaining installments.

Based on the above, the instalment balance payment system created by the present invention can allow the user to settle the remaining balance of the existing instalment payment online at one time without calling the card issuing bank. In addition, the related operations can be completed by the users themselves, which can also save the manpower of incoming customer service.

FIG. 1 is a schematic diagram illustrating a digital bill 10 according to an embodiment of the present invention.

Please refer to FIG. 1 , in this embodiment, the digital bill 10 is suitable for being read and stored by the electronic device 140 . The digital bill 10 includes an institution identification area 11 and a bill display area 12 . The institution identification area 11 displays the name of the financial institution. The bill display area 12 includes a current bill display area 12A for displaying multiple bill information, and an installment bill display area 12B for displaying multiple installment bills and multiple installment information corresponding to the multiple installment bills. Several billing information includes the amount due. The multiple installment information respectively includes the installment summary, the total installment amount, the remaining installments, the payable amount for each installment, and the hyperlink click area 12C. The hyperlink click area 12C is suitable for clearing the remaining amount of the corresponding installment summary through the user's click operation.

In this embodiment, the hyperlink click area 12C can be a webpage URL, a text link or a graphic link. In other embodiments, the hyperlink click area 12C connects to the payment webpage or mobile banking application 20 of the name of the financial institution. In this embodiment, the digital bill 10 may be an email, an encrypted additional file or a short message. Of course, the digital bill 10 may also be in other file types, and the present invention is not limited to this.

In this embodiment, when the user opens the payment webpage or the mobile banking application 20, the payment webpage or the mobile banking application 20 executes an identity verification process, wherein the identity verification process includes inputting the account owner corresponding to the customer The login account and login password of the payment page or the mobile banking application 20 determines whether the customer is the account owner according to the login account and login password. In this embodiment, the login password includes a text password or a biometric identification feature.

In this embodiment, the remaining amount is the product of the amount payable in each period and the number of remaining periods.

2A-2B are schematic diagrams of a mobile banking application according to an embodiment of the present invention.

Please refer to FIG. 1 and FIGS. 2A-2B at the same time, which is similar in function to the digital bill 10 of FIG. 1, and the difference is mainly in the medium of data provision. The content displayed on the digital bill 10 in FIG. 1 can be displayed on the mobile banking application 20 as required.

Referring to FIGS. 2A-2B , in this embodiment, the mobile banking application 20 is adapted to be read and stored by the electronic device 140 . The mobile banking application 20 includes an institution identification area 21 and a credit card service interface 22 . The institution identification area 21 displays the name of the financial institution. The credit card service interface 22 includes a current bill display area 22A that displays a plurality of bills information, and an installment bill display area 22B that displays a plurality of installment bills and a plurality of installment information corresponding to the plurality of installment bills. Several billing information includes the amount due. The multiple installment information respectively includes the installment summary, the total installment amount, the number of remaining installments, the payable amount for each installment, and the hyperlink click area 22C. The hyperlink click area 22C is suitable for clearing the balance of the corresponding installment summary through the user's click operation.

In this embodiment, the hyperlink click area 22C can be a web page URL, a text link or a graphic link. In other embodiments, the hyperlink click area 22C is connected to the payment interface of the mobile banking application 20 .

In this embodiment, when the user opens the mobile banking application 20, the mobile banking application 20 executes an identity verification procedure, wherein the identity verification procedure includes inputting the login account number and login password corresponding to the account owner of the customer, and the mobile banking application The program 20 determines whether the client is the account owner according to the login account and the login password. In this embodiment, the login password includes a text password or a biometric identification feature.

In this embodiment, the remaining amount is the product of the amount payable in each period and the number of remaining periods.

FIG. 3 is a schematic diagram of an installment balance payment system according to an embodiment of the present invention.

Please refer to FIG. 3 , the payment reminder system includes a signal transceiver 110 , a memory device 120 and a processor 130 .

The signal transceiver 110 transmits and receives signals in a wireless or wired manner. The signal transceiver 110 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The memory device 120 is, for example, any type of fixed or removable random access memory (random access memory, RAM), read-only memory (ROM), and flash memory (flash memory). , a hard disk drive (HDD), a solid state drive (SSD), or similar components or a combination of the above components, for storing a plurality of functional modules that can be executed by the processor 130 . In this embodiment, the memory device 120 can store a plurality of application programs including a file reading application 121, an event reminder application 122, and a fee payment application 123, the functions of which will be described later. The memory device 120 can store a plurality of digital bills 10 and the mobile banking application 20 installed on the electronic device 140 .

The processor 130 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (micro control unit, MCU), microprocessor (microprocessor), digital signal processing digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processor (graphics processing unit, GPU), image signal processor (image signal processor, ISP) ), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable gate array (field programmable gate array) , FPGA) or other similar elements or a combination of the above. The processor 130 can be coupled to the memory device 120 and the signal transceiver 110 , and access and execute the mobile banking application 20 stored in the memory device 120 . The specific related details of the mobile banking application 20 are as shown in FIGS. 2A-2B , and will not be repeated here.

To sum up, the installment balance payment system 100 proposed by the novel creation can allow the user to settle the remaining balance of the current installment payment online at one time without calling the card issuing bank. In addition, the related operations can be completed by the users themselves, which can also save the manpower of incoming customer service.

10: Digital Billing 20: Mobile Banking Apps 11, 21: Institution identification area 12: Bill display area 22: Credit card service interface 12A, 22A: Current bill display area 12B, 22B: Installment bill display area 12C, 22C: Hyperlink click zone 100: Installment balance payment system 110: Signal transceiver 120: Memory Device 130: Processor 140: Electronics

FIG. 1 is a schematic diagram illustrating a digital bill according to an embodiment of the present invention. 2A-2B are schematic diagrams of a mobile banking application according to an embodiment of the present invention. FIG. 3 is a schematic diagram of an installment balance payment system according to an embodiment of the present invention.

20: Mobile Banking Apps

100: Installment balance payment system

110: Signal transceiver

120: Memory Device

130: Processor

Claims (6)

An installment balance payment system comprising: a signal transceiver; a memory device storing a mobile banking application, wherein the mobile banking application is installed on an electronic device; and a processor, coupled to the signal transceiver and the memory device, and adapted to access and execute the mobile banking application, wherein the mobile banking application includes: an institution identification area showing the name of a financial institution; and A credit card service interface, including: a current bill display area, displaying a plurality of bill information, wherein the bill information includes at least a payable amount; and An instalment bill display area, displaying a plurality of instalment bills and a plurality of instalment information corresponding to the instalment bills, wherein the instalment information includes an instalment summary, an instalment total amount, a remaining instalment, an instalment The amount due and a hyperlink click area, The hyperlink click area is suitable for clearing a remaining amount of the segment summary through a click operation of a user. The installment balance payment system as claimed in claim 1, wherein the hyperlink click area can be a text link or a graphic link. The installment balance payment system as claimed in claim 1, wherein the hyperlink click area is connected to a payment interface of the mobile banking application. If the installment balance payment system of claim 1, when the user opens the mobile banking application, the mobile banking application executes an identity verification process, wherein the identity verification process includes inputting an account corresponding to the user. A login account and a login password of the person, and the mobile banking application determines whether the user is the account owner according to the login account and the login password. The installment balance payment system as claimed in claim 4, wherein the login password includes a text password or a biometric identification feature. The installment balance payment system according to claim 1, wherein the remaining payment is the product of the payable amount for each installment and the remaining installment number.

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