TWM628396U - Installment balance payment system - Google Patents
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- TWM628396U TWM628396U TW111203471U TW111203471U TWM628396U TW M628396 U TWM628396 U TW M628396U TW 111203471 U TW111203471 U TW 111203471U TW 111203471 U TW111203471 U TW 111203471U TW M628396 U TWM628396 U TW M628396U
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Abstract
Description
本新型創作是有關於一種繳款系統,且特別是有關於一種分期餘額繳款系統。This novel creation is about a payment system, and in particular, a payment system with balance payments in installments.
目前實體店面或是線上通路均有消費分期零利率活動,使用者也能夠於線上自行申請帳單分期或是單筆消費分期,但是在現行系統上,一旦選擇了分期付款,即便後續已取得足夠資金,且欲將信用卡分期付款的剩餘款項結清,須致電發卡銀行經客服確認後,方可進行,故有提出改善方案的需求。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.
本新型創作提供一種分期餘額繳款系統,能夠允許使用者在線上將目前存在的分期付款的剩餘款項一次結清。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.
本新型創作的分期餘額繳款系統包括訊號收發器、記憶裝置以及處理器,處理器耦接訊號收發器以及記憶裝置。記憶裝置儲存安裝於電子裝置的行動銀行應用程式。處理器適於存取和執行行動銀行應用程式。行動銀行應用程式包括機構辨識區以及信用卡服務介面。機構辨識區顯示金融機構名稱。信用卡服務介面包括顯示多個帳單資訊的當期帳單顯示區,以及顯示多個分期帳單以及對應多個分期帳單的多個分期資訊的分期帳單顯示區。多個帳單資訊包括應繳金額。多個分期資訊分別包括分期摘要、分期總金額、剩餘期數、每期應繳金額以及超連結點擊區。超連結點擊區適於經由使用者的點擊操作而將對應分期摘要的剩餘款項結清。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.
在本新型創作的一實施例中,上述的超連結點擊區可為文字連結或是圖式連結。In an embodiment of the present invention, the above-mentioned hyperlink click area can be a text link or a graphic link.
在本新型創作的一實施例中,上述的超連結點擊區連接至行動銀行應用程式的繳款介面。In an embodiment of the present invention, the above-mentioned hyperlink click area is connected to the payment interface of the mobile banking application.
在本新型創作的一實施例中,當使用者開啟行動銀行應用程式時,行動銀行應用程式執行身分驗證程序,其中身分驗證程序包括輸入對應於使用者的帳戶所有人的登入帳號以及登入密碼,行動銀行應用程式根據登入帳號以及登入密碼判斷使用者是否為帳戶所有人。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.
在本新型創作的一實施例中,上述的登入密碼包括文字密碼或是生物辨識特徵。In an embodiment of the present invention, the above-mentioned login password includes a text password or a biometric identification feature.
在本新型創作的一實施例中,上述的剩餘款項為每期應繳金額與剩餘期數的乘積。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.
基於上述,本新型創作的分期餘額繳款系統,能夠允許使用者在線上將目前存在的分期付款的剩餘款項一次結清,而不用再另外致電發卡銀行。除此之外,基於相關操作均可由使用者自行完成,也能夠因而節省進線客服之人力。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.
圖1是根據本新型創作的實施例繪示一種數位帳單10的示意圖。FIG. 1 is a schematic diagram illustrating a
請參考圖1,在本實施例中,數位帳單10適於由電子裝置140讀取以及儲存。數位帳單10包括機構辨識區11以及帳單顯示區12。機構辨識區11顯示金融機構名稱。帳單顯示區12包括顯示多個帳單資訊的當期帳單顯示區12A,以及顯示多個分期帳單以及對應多個分期帳單的多個分期資訊的分期帳單顯示區12B。多個帳單資訊包括應繳金額。多個分期資訊分別包括分期摘要、分期總金額、剩餘期數、每期應繳金額以及超連結點擊區12C。超連結點擊區12C適於經由使用者的點擊操作而將對應分期摘要的剩餘款項結清。Please refer to FIG. 1 , in this embodiment, the
在本實施例中,超連結點擊區12C可為網頁網址、文字連結或是圖式連結。在其他實施例中,超連結點擊區12C連接至金融機構名稱的繳款網頁或是行動銀行應用程式20。在本實施例中,數位帳單10可為電子郵件、加密附加檔案或是簡訊,當然數位帳單10也可以是以其他檔案型式,本新型創作不以此為限。In this embodiment, the
在本實施例中,當使用者開啟繳款網頁或是行動銀行應用程式20時,繳款網頁或是行動銀行應用程式20執行身分驗證程序,其中身分驗證程序包括輸入對應於客戶的帳戶所有人的登入帳號以及登入密碼,繳款網頁或是行動銀行應用程式20根據登入帳號以及登入密碼判斷客戶是否為帳戶所有人。在本實施例中,登入密碼包括文字密碼或是生物辨識特徵。In this embodiment, when the user opens the payment webpage or the
在本實施例中,剩餘款項為每期應繳金額與剩餘期數的乘積。In this embodiment, the remaining amount is the product of the amount payable in each period and the number of remaining periods.
圖2A-2B是根據本新型創作的實施例繪示的行動銀行應用程式的示意圖。2A-2B are schematic diagrams of a mobile banking application according to an embodiment of the present invention.
請同時參考圖1以及圖2A-2B,其與圖1的數位帳單10在功能上相似,差別主要在於資料提供的媒介。圖1的數位帳單10顯示的內容,可依據需求顯示於行動銀行應用程式20。Please refer to FIG. 1 and FIGS. 2A-2B at the same time, which is similar in function to the
請參考圖2A-2B,在本實施例中,行動銀行應用程式20適於由電子裝置140讀取以及儲存。行動銀行應用程式20包括機構辨識區21以及信用卡服務介面22。機構辨識區21顯示金融機構名稱。信用卡服務介面22包括顯示多個帳單資訊的當期帳單顯示區22A,以及顯示多個分期帳單以及對應多個分期帳單的多個分期資訊的分期帳單顯示區22B。多個帳單資訊包括應繳金額。多個分期資訊分別包括分期摘要、分期總金額、剩餘期數、每期應繳金額以及超連結點擊區22C。超連結點擊區22C適於經由使用者的點擊操作而將對應分期摘要的剩餘款項結清。Referring to FIGS. 2A-2B , in this embodiment, the
在本實施例中,超連結點擊區22C可為網頁網址、文字連結或是圖式連結。在其他實施例中,超連結點擊區22C連接至行動銀行應用程式20的繳款介面。In this embodiment, the
在本實施例中,當使用者開啟行動銀行應用程式20時,行動銀行應用程式20執行身分驗證程序,其中身分驗證程序包括輸入對應於客戶的帳戶所有人的登入帳號以及登入密碼,行動銀行應用程式20根據登入帳號以及登入密碼判斷客戶是否為帳戶所有人。在本實施例中,登入密碼包括文字密碼或是生物辨識特徵。In this embodiment, when the user opens the
在本實施例中,剩餘款項為每期應繳金額與剩餘期數的乘積。In this embodiment, the remaining amount is the product of the amount payable in each period and the number of remaining periods.
圖3是根據本新型創作的實施例繪示的分期餘額繳款系統的示意圖。FIG. 3 is a schematic diagram of an installment balance payment system according to an embodiment of the present invention.
請參考圖3,繳款提醒系統包括訊號收發器110、記憶裝置120以及處理器130。Please refer to FIG. 3 , the payment reminder system includes a
訊號收發器110以無線或有線的方式傳送及接收訊號。訊號收發器110還可以執行例如低噪聲放大、阻抗匹配、混頻、向上或向下頻率轉換、濾波、放大以及類似的操作。The signal transceiver 110 transmits and receives signals in a wireless or wired manner. The
記憶裝置120例如是任何型態的固定式或可移動式的隨機存取記憶體(random access memory,RAM)、唯讀記憶體(read-only memory,ROM)、快閃記憶體(flash memory)、硬碟(hard disk drive,HDD)、固態硬碟(solid state drive,SSD)或類似元件或上述元件的組合,而用於儲存可由處理器130執行的多個功能模組。在本實施例中,記憶裝置120可儲存包含文件讀取應用程式121、事件提醒應用程式122以及費用繳納應用程式123等多個應用程式,其功能將於後續說明。記憶裝置120可儲存多筆數位帳單10以及安裝於電子裝置140的行動銀行應用程式20。The
處理器130例如是中央處理單元(central processing unit,CPU),或是其他可程式化之一般用途或特殊用途的微控制單元(micro control unit,MCU)、微處理器(microprocessor)、數位信號處理器(digital signal processor,DSP)、可程式化控制器、特殊應用積體電路(application specific integrated circuit,ASIC)、圖形處理器(graphics processing unit,GPU)、影像訊號處理器(image signal processor,ISP)、影像處理單元(image processing unit,IPU)、算數邏輯單元(arithmetic logic unit,ALU)、複雜可程式邏輯裝置(complex programmable logic device,CPLD)、現場可程式化邏輯閘陣列(field programmable gate array,FPGA)或其他類似元件或上述元件的組合。處理器130可耦接至記憶裝置120以及訊號收發器110,並且存取和執行儲存於記憶裝置120中的行動銀行應用程式20。針對行動銀行應用程式20具體相關細節,則如同圖2A-2B所繪示,茲不贅述。The
綜上所述,本新型創作所提出的分期餘額繳款系統100,能夠允許使用者在線上將目前存在的分期付款的剩餘款項一次結清,而不用再另外致電發卡銀行。除此之外,基於相關操作均可由使用者自行完成,也能夠因而節省進線客服之人力。To sum up, the installment
10:數位帳單
20:行動銀行應用程式
11、21:機構辨識區
12:帳單顯示區
22:信用卡服務介面
12A、22A:當期帳單顯示區
12B、22B:分期帳單顯示區
12C、22C:超連結點擊區
100:分期餘額繳款系統
110:訊號收發器
120:記憶裝置
130:處理器
140:電子裝置
10: Digital Billing
20:
圖1是根據本新型創作的實施例的繪示數位帳單的示意圖。 圖2A-2B是根據本新型創作的實施例繪示的行動銀行應用程式的示意圖。 圖3是根據本新型創作的實施例繪示的分期餘額繳款系統的示意圖。 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:行動銀行應用程式 20: Mobile Banking Apps
100:分期餘額繳款系統 100: Installment balance payment system
110:訊號收發器 110: Signal transceiver
120:記憶裝置 120: Memory Device
130:處理器 130: Processor
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TW111203471U TWM628396U (en) | 2022-04-07 | 2022-04-07 | Installment balance payment system |
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TW111203471U TWM628396U (en) | 2022-04-07 | 2022-04-07 | Installment balance payment system |
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