TWM645152U - Subscription item aggregation and debit system - Google Patents

Subscription item aggregation and debit system Download PDF

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Publication number
TWM645152U
TWM645152U TW112205535U TW112205535U TWM645152U TW M645152 U TWM645152 U TW M645152U TW 112205535 U TW112205535 U TW 112205535U TW 112205535 U TW112205535 U TW 112205535U TW M645152 U TWM645152 U TW M645152U
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information
deduction
subscription
module
credit card
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TW112205535U
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Chinese (zh)
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陳思樺
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臺灣銀行股份有限公司
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Abstract

本新型提供一種訂閱項目彙整扣款系統,設置在銀行主機伺服器內並連接客戶通訊裝置,包括授權設定模組提供給客戶設定是否同意上述訂閱項目彙整扣款系統擷取個人訂閱資訊及扣款資訊。資訊擷取儲存模組用以蒐集客戶的上述個人訂閱資訊及扣款資訊。信用卡管理模組用以供上述客戶設定綁定及解除綁定的信用卡並設置每月或單筆信用卡扣款額度,以及試算下期扣款金額和本期扣款分析。This new model provides a subscription item summary and deduction system, which is installed in a bank's host server and connected to a customer's communication device, including an authorization setting module that provides the customer with the ability to set whether he or she agrees to the above-mentioned subscription item summary and deduction system's acquisition of personal subscription information and deductions. information. The information retrieval and storage module is used to collect the above-mentioned personal subscription information and deduction information of customers. The credit card management module is used for the above-mentioned customers to set bound and unbound credit cards and set monthly or single credit card deduction limits, as well as trial calculation of the next period's deduction amount and current period's deduction analysis.

Description

訂閱項目彙整扣款系統Subscription project summary and deduction system

一種訂閱項目彙整扣款系統,特別是提供客戶設定並查詢彙整的訂閱項目及扣款資訊之訂閱項目彙整扣款系統。A subscription item summary and deduction system, in particular, a subscription item summary and deduction system that provides customers with the ability to set up and query aggregated subscription items and deduction information.

現今行動支付盛行,不少用戶都會透過手機綁定信用卡自動付款,然而,很多手機應用程式App為了方便用戶訂閱、付費,通常會要求用戶加入會員後綁定信用卡,之後再採取定期扣款的服務,目前包括Disney+、Netflix、Google Drive、Dropbox、App內含購買服務、理財作家內容訂閱等,都有相關的信用卡固定扣款服務。Nowadays, mobile payment is popular, and many users will bind their credit cards to their mobile phones to make automatic payments. However, in order to facilitate users to subscribe and pay, many mobile apps usually require users to join as members and bind their credit cards, and then use regular deduction services. , currently including Disney+, Netflix, Google Drive, Dropbox, App-included purchase services, financial writer content subscriptions, etc., all have related credit card fixed deduction services.

使用手機應用程式之前,一定會跳出試用與訂閱的文字提醒,用戶如果沒有多加留意,或是不小心刪除App而未留意訂閱一定要在試用期之前取消訂閱,才不會被收取費用,只是刪除App更無法取消訂閱,導致下一期信用卡帳單繳納時才會發現多繳一期的服務費用。Before using the mobile app, a text reminder about trial and subscription will pop up. If the user does not pay more attention, or accidentally deletes the app without paying attention to the subscription, he must cancel the subscription before the trial period, so that he will not be charged. It will just be deleted. The app cannot cancel the subscription, so when the next credit card bill is paid, the extra service fee will be discovered.

但可能會發生免費試用訂閱服務,等到免費期間過了以後,如果不喜歡它卻因為忘記取消訂閱,就可能會產生扣款交易。又或是明明取消訂閱了,但可能它還是在下一期自動扣款,造成用戶需自行向發卡銀行及服務訂閱商反映問題,通常是耗費心力及時間,亦會造成發卡銀行的客服處理成本的增加。如果訂閱制的付款週期是一年的話,可能信用卡卡號過期造成扣款失敗等,用戶尚需自行管理訂閱週期、信用卡定期扣款金額,以及信用卡是否在有效期間等等相關事項,這給用戶帶來了一些不便。However, there may be a free trial subscription service. After the free period is over, if you don’t like it but forget to cancel the subscription, a chargeback transaction may occur. Or the subscription may have been cancelled, but it may still automatically deduct money in the next period, causing the user to report the problem to the card-issuing bank and service subscriber. This usually consumes effort and time, and also incurs customer service processing costs for the card-issuing bank. Increase. If the payment cycle of the subscription system is one year, the credit card number may expire and the deduction may fail. The user still needs to manage the subscription cycle, the regular credit card deduction amount, and whether the credit card is valid and other related matters. This brings problems to the user. There was some inconvenience.

現行信用卡帳單沒有提供訂閱制服務的定期扣款的查詢服務,常常扣款名稱都是App Store、Google Play應用程式商店的扣款,但是看不到實際手機應用服務訂閱制的名稱。用戶需自行登入到App Store、Google Play應用程式商店才能看到購買紀錄或是訂閱紀錄。The current credit card bill does not provide an inquiry service for regular deductions for subscription services. Often the deduction names are deductions from the App Store and Google Play app stores, but the name of the actual mobile application service subscription is not visible. Users need to log in to the App Store and Google Play app store to see purchase records or subscription records.

而且,手機應用程式服務訂閱的下一期扣款日期,現行發卡銀行不會預先通知用戶,用戶需自行記錄下來,如果遇到誤扣或是爭議款項,又或是信用卡過期失效,用戶尚需自行管理訂閱週期、信用卡定期扣款金額,以及信用卡是否在有效期間等不便利性。此外,手機應用程式服務訂閱與信用卡定期扣款兩者之間設定功能,現況分散在各個服務供應商的訂閱或取消訂閱網頁服務之中,用戶需自行登錄到各個服務供應商的系統變更扣款狀態為訂閱及取消訂閱。Moreover, the current card-issuing bank will not notify users in advance of the next payment date for mobile app service subscriptions. Users need to record it themselves. If they encounter mistaken deductions or disputes, or the credit card expires, users still need to It is inconvenient to manage the subscription period, regular credit card deduction amount, and whether the credit card is valid by yourself. In addition, the setting function between mobile application service subscription and regular credit card deductions is currently scattered in the subscription or unsubscription web services of each service provider. Users need to log in to each service provider's system to change the deduction. The status is subscribed and unsubscribed.

因此,如何開發出一種訂閱項目彙整扣款系統以解決上述問題,即成為所屬技術領域中有待解決的問題。Therefore, how to develop a subscription item aggregation and deduction system to solve the above problems has become a problem to be solved in the technical field.

為解決上述問題,根據一實施例,本新型提供一種訂閱項目彙整扣款系統,設置在銀行主機伺服器內並連接客戶通訊裝置,包括:授權設定模組、資訊擷取儲存模組、信用卡管理模組、資訊查詢模組、資訊比對模組及通知模組。In order to solve the above problems, according to one embodiment, the present invention provides a subscription item summary and deduction system, which is installed in a bank host server and connected to customer communication devices, including: an authorization setting module, an information retrieval and storage module, and a credit card management module. modules, information query modules, information comparison modules and notification modules.

上述授權設定模組,當客戶通訊裝置傳輸身分驗證資訊至上述銀行主機伺服器,且身分驗證資訊驗證完成後,提供給客戶設定是否同意上述訂閱項目彙整扣款系統擷取個人訂閱資訊及扣款資訊。上述資訊擷取儲存模組,訊號連接上述授權設定模組,當客戶同意上述訂閱項目彙整扣款系統擷取上述個人訂閱資訊及扣款資訊時,用以蒐集並清洗校驗客戶的上述個人訂閱資訊及扣款資訊,上述資訊擷取儲存模組可自動擷取客戶通訊裝置的畫面,並將上述個人訂閱資訊及扣款資訊上傳至銀行主機伺服器的雲端資料庫。上述信用卡管理模組,訊號連接上述授權設定模組,用以供上述客戶設定綁定及解除綁定的信用卡並設置每月或單筆信用卡扣款額度,以及試算下期扣款金額和本期扣款分析。上述資訊查詢模組,訊號連接上述資訊擷取儲存模組及信用卡管理模組,用以供客戶查詢個人訂閱資訊及上述扣款資訊,並可根據上述個人訂閱資訊連回原始訂閱網頁或APP進行扣款資訊修改。上述資訊比對模組,訊號連接用上述資訊擷取儲存模組及信用卡管理模組,用以根據上述扣款資訊及個人訂閱資訊將扣款資訊與個人訂閱資訊匹配,並產生匹配資訊。上述通知模組,訊號連接上述授權設定模組、資訊擷取儲存模組、信用卡管理模組、資訊查詢模組及資訊比對模組,用以傳送上述授權設定模組的是否同意授權資訊,上述資訊擷取儲存模組的是否同意擷取資訊、重複訂閱及免費試用服務即將到期,上述信用卡管理模組的上述下期扣款金額、信用卡失效日期及異常交易資訊,以及上述資訊比對模組的上述匹配資訊通知至上述客戶通訊裝置。The above-mentioned authorization setting module, when the customer's communication device transmits the identity verification information to the above-mentioned bank host server, and after the verification of the identity verification information is completed, provides the customer with the ability to set whether to agree to the collection of personal subscription information and deductions by the above-mentioned subscription item summary deduction system. information. The above-mentioned information retrieval and storage module is connected by signal to the above-mentioned authorization setting module. When the customer agrees to the above-mentioned subscription project summary and deduction system to retrieve the above-mentioned personal subscription information and deduction information, it is used to collect, clean and verify the above-mentioned personal subscription of the customer. Information and debit information, the above-mentioned information capture and storage module can automatically capture the screen of the customer's communication device, and upload the above-mentioned personal subscription information and debit information to the cloud database of the bank's host server. The above-mentioned credit card management module is connected by signal to the above-mentioned authorization setting module, which is used for the above-mentioned customers to set bound and unbound credit cards, set monthly or single credit card deduction limits, and calculate the next period's deduction amount and the current period's deduction. payment analysis. The above-mentioned information query module is connected by signal to the above-mentioned information retrieval and storage module and the credit card management module, and is used for customers to query personal subscription information and the above-mentioned deduction information, and can be linked back to the original subscription web page or APP based on the above-mentioned personal subscription information. Debit information modified. The above-mentioned information comparison module and signal connection use the above-mentioned information retrieval and storage module and the credit card management module to match the deduction information with the personal subscription information based on the above-mentioned deduction information and personal subscription information, and generate matching information. The above-mentioned notification module is connected with the signal to the above-mentioned authorization setting module, information retrieval and storage module, credit card management module, information query module and information comparison module to transmit the authorization information of the above-mentioned authorization setting module. The above-mentioned information capture and storage module’s consent to capture information, repeated subscriptions and free trial services are about to expire, the above-mentioned credit card management module’s above-mentioned next period’s deduction amount, credit card expiration date and abnormal transaction information, and the above-mentioned information comparison module The above matching information of the group is notified to the above customer communication device.

根據另一實施例,上述個人訂閱資訊包括訂閱到期日期、免費試用期、訂閱項目、訂閱費用或訂閱帳戶資訊。According to another embodiment, the above-mentioned personal subscription information includes subscription expiration date, free trial period, subscription items, subscription fees or subscription account information.

根據另一實施例,上述扣款資訊包含信用卡資訊、扣款金額、商店名稱、扣款結果、下期扣款金額、扣款日期或定期扣款資訊。According to another embodiment, the above-mentioned deduction information includes credit card information, deduction amount, store name, deduction result, next period's deduction amount, deduction date or regular deduction information.

根據另一實施例,上述資訊擷取儲存模組的資訊來源為email、客戶通訊裝置應用程式商店、訂閱平台、聯合信用卡處理中心或銀行。According to another embodiment, the information source of the information retrieval and storage module is email, customer communication device application store, subscription platform, joint credit card processing center or bank.

根據另一實施例,上述本期扣款分析為計算個人訂閱項目分類之繳費總金額作為扣款資訊之百分比,並畫成百分比圓形圖。According to another embodiment, the above deduction analysis for the current period is to calculate the total payment amount of individual subscription items classified as a percentage of the deduction information, and draw a percentage circle chart.

根據另一實施例,上述資訊比對模組係根據扣款資訊及個人訂閱資訊的訂閱項目名稱、扣款金額或扣款日期進行匹配。According to another embodiment, the above-mentioned information comparison module performs matching based on the deduction information and the subscription item name, deduction amount or deduction date of the personal subscription information.

根據另一實施例,上述通知模組透過簡訊、email、即時通訊軟體或銀行APP通知客戶。According to another embodiment, the notification module notifies the customer through SMS, email, instant messaging software or bank APP.

根據另一實施例,上述異常交易資訊包括不在扣款週期卻被扣款、取消下期訂閱卻被扣款、扣款超過每月或單筆信用卡扣款額度或扣款失敗。According to another embodiment, the above-mentioned abnormal transaction information includes being debited outside the debit cycle, canceling the next subscription but being deducted, debiting more than the monthly or single credit card debit limit, or debiting failure.

根據另一實施例,上述資訊查詢模組串聯Google日曆並生成周期扣款行事曆。According to another embodiment, the above-mentioned information query module is connected in series with Google Calendar and generates a periodic deduction calendar.

根據另一實施例,上述資訊比對模組會收集客戶的回饋資訊進行優化。According to another embodiment, the information comparison module collects customer feedback information for optimization.

本新型可主張的功效包括:(1) 提供彙整訂閱項目、周期及信用卡之管理的系統,解決客戶不便利性問題。(2) 增加信用卡單筆或每月扣款額度之控管機制。(3) 有利客戶評估所有訂閱項目繼續訂閱或是取消訂閱之個人化財務決策。(4) 提供客戶能夠即時瞭解及處理訂閱項目之信用卡約定扣繳及訂閱服務扣款狀態。(5) 提供客戶能夠即時瞭解及處理異常扣款資訊。(6) 銀行端能收集客戶的手機應用程式的訂閱服務項目偏好行為,對日後銀行的行銷活動、財富管理業務推廣皆有所助益。The claimed functions of this new model include: (1) Provide a system that aggregates the management of subscription items, cycles and credit cards to solve the problem of customer inconvenience. (2) A control mechanism to increase the single or monthly credit card debit limit. (3) Help customers evaluate all subscription items and make personalized financial decisions to continue or cancel subscriptions. (4) Provide customers with the ability to instantly understand and process the agreed deduction status of credit card and subscription service deductions for subscription items. (5) Provide customers with real-time understanding and processing of abnormal deduction information. (6) The bank can collect customers’ mobile app subscription service preferences, which will be helpful for the bank’s future marketing activities and wealth management business promotion.

為更具體說明本新型之各實施例,以下輔以附圖進行說明。為更具體說明本新型之各實施例,以下輔以附圖進行說明。應當理解的是,元件被稱為「連接」或「設置」於另一元件時,可以表示元件是直接位於另一元件上,或者可以也存在中間元件,透過中間元件連接元件與另一元件。相反地,當元件被稱為「直接在另一元件上」或「直接連接到另一元件」時,可以理解的是,此時明確定義了不存在中間元件。In order to describe each embodiment of the present invention in more detail, the following description is supplemented by the accompanying drawings. In order to describe each embodiment of the present invention in more detail, the following description is supplemented by the accompanying drawings. It should be understood that, when an element is referred to as being "connected" or "disposed" to another element, it can mean that the element is directly located on the other element, or that intervening elements may also be present to connect the element to the other element through the intermediate elements. In contrast, when an element is referred to as being "directly on" or "directly connected to" another element, it will be understood that there are no intervening elements present.

另外,術語「第一」、「第二」、「第三」這些術語僅用於將一個元件、部件、區域、或部分與另一個元件、部件、區域、層或部分區分開,而非表示其必然的先後順序。此外,諸如「下」和「上」的相對術語可在本文中用於描述一個元件與另一元件的關係,應當理解,相對術語旨在包括除了圖中所示的方位之外的裝置的不同方位。例如,如果一個附圖中的裝置翻轉,則被描述為在其他元件的「下」側的元件將被定向在其他元件的「上」側。此僅表示相對的方位關係,而非絕對的方位關係。In addition, the terms “first”, “second” and “third” are only used to distinguish one element, component, region or section from another element, component, region, layer or section and do not indicate Its inevitable sequence. In addition, relative terms, such as "lower" and "upper," may be used herein to describe one element's relationship to another element, and it will be understood that these relative terms are intended to encompass differences in the orientation of the device in addition to the orientation illustrated in the figures. position. For example, if the device in one of the figures is turned over, elements described as "below" other elements would then be oriented "above" the other elements. This only represents a relative orientation relationship, not an absolute orientation relationship.

請參閱圖1~圖4,根據一實施例,本新型提供一種訂閱項目彙整扣款系統100,特別是一種通過多種資料擷取、大數據資料處理儲存技術(例如:網路資料擷取分析儲存、圖片文字辨識、資料清洗及校驗、資料關聯性比對…等技術) 亦會搜集所有客戶可能使用的訂閱平台列表。對於客戶可能使用的訂閱平台,獲得API存取權限,以取到客戶的系統取得個人化訂閱項目及銀行信用卡系統的定期扣款帳務等彙總資料。因為每個資訊來源的資訊格式可能不同,所以需要進行資訊清洗和校驗,以確認每個資訊來源提供的資訊的正確性。亦使用資料關聯比對工具來將收到的資訊進行比對,並且將比對後的結果即時通知客戶,收集客戶回饋資訊之後,進行優化資料校驗條件及關聯比對條件等功能參數,以提高效率和準確性。亦使用自動化排程工具來定期更新客戶的個人訂閱資訊122及扣款資訊124,以確保資訊的準確性和即時性。最後使用雲端資料庫來儲存個人化訂閱項目和扣款資訊124等相關資訊,以利於訂閱項目彙整扣款系統100進一步使用和處理。Please refer to Figures 1 to 4. According to one embodiment, the present invention provides a subscription item aggregation and deduction system 100, in particular, a system that uses a variety of data acquisition and big data data processing and storage technologies (such as network data acquisition, analysis and storage). , image text recognition, data cleaning and verification, data correlation comparison... and other technologies) will also collect a list of all subscription platforms that customers may use. For the subscription platform that the customer may use, obtain API access rights to obtain the customer's system to obtain personalized subscription items and regular debit account summary information of the bank's credit card system. Because the information format of each information source may be different, information cleaning and verification are required to confirm the accuracy of the information provided by each information source. We also use data correlation and comparison tools to compare the received information, and notify customers of the comparison results immediately. After collecting customer feedback information, we optimize functional parameters such as data verification conditions and correlation comparison conditions to Improve efficiency and accuracy. Automated scheduling tools are also used to regularly update customers' personal subscription information 122 and debit information 124 to ensure the accuracy and timeliness of the information. Finally, a cloud database is used to store personalized subscription items and deduction information 124 and other related information to facilitate further use and processing by the subscription item aggregation and deduction system 100 .

繼續參考圖1,其中,訂閱項目彙整扣款系統100,設置在一銀行主機伺服器10內並連接一客戶通訊裝置200,包括:授權設定模組110、資訊擷取儲存模組120、信用卡管理模組130、資訊查詢模組、資訊比對模組150及通知模組160。Continuing to refer to Figure 1, the subscription item summary and deduction system 100 is installed in a bank host server 10 and connected to a customer communication device 200, including: an authorization setting module 110, an information retrieval and storage module 120, and a credit card management module. Module 130, information query module, information comparison module 150 and notification module 160.

上述授權設定模組110,是當客戶通過客戶通訊裝置200(例如:手機或電腦等等)傳輸身分驗證資訊112(例如:登入網路銀行或登入銀行行動APP)至上述銀行主機伺服器10,且身分驗證資訊112驗證完成後,授權設定模組110傳輸一是否同意授權資訊給客戶選擇是否同意上述訂閱項目彙整扣款系統100擷取個人訂閱資訊122及扣款資訊124。The above-mentioned authorization setting module 110 is when the customer transmits the identity verification information 112 (for example: logging into online banking or logging into the bank mobile APP) to the above-mentioned bank host server 10 through the customer communication device 200 (for example: mobile phone or computer, etc.), After the authentication of the identity verification information 112 is completed, the authorization setting module 110 transmits an authorization information to the customer to choose whether to agree to the above-mentioned subscription item aggregation and deduction system 100 to retrieve the personal subscription information 122 and deduction information 124.

上述資訊擷取儲存模組120,訊號連接上述授權設定模組110,當客戶同意上述訂閱項目彙整扣款系統100擷取上述個人訂閱資訊122及扣款資訊124時,資訊擷取儲存模組120通過連結及匯入客戶的電子郵件,擷取出手機應用程式商店之扣款明細電子收據及電子發票、連結及匯入客戶手機應用商店帳號的付款方式及訂閱項目記錄及購買記錄以及連結及匯入銀行信用卡系統的帳務資訊,以取得扣款資訊124。若資訊擷取儲存模組120檢查到信用卡不是本行信用卡,而是他行信用卡時,則需連結到聯合信用卡處理中心所提供的信用卡帳務API查詢服務,查詢及傳回他行信用卡的帳務資訊以取得扣款資訊124。資訊擷取儲存模組120在蒐集到客戶的個人訂閱資訊122和扣款資訊124後,需要對資訊進行清洗校驗,因為不同資訊來源的資訊格式可能不同。同時,資訊擷取儲存模組120也連結及匯入客戶手機應用商店帳號的訂閱項目之中,擷取出免費試用的訂閱項目及免費試用之到期日。此外,資訊擷取儲存模組120及預計下期扣款日期,以取得免費試用訂閱項目資訊。上述資訊擷取儲存模組120亦可在客戶按下定項目的當下,自動擷取客戶通訊裝置200的畫面,並將上述個人訂閱資訊122及扣款資訊124清洗校驗後上傳至銀行主機伺服器10的雲端資料庫。The above-mentioned information retrieval and storage module 120 is connected with the signal to the above-mentioned authorization setting module 110. When the customer agrees to the above-mentioned subscription item summary and deduction system 100 to retrieve the above-mentioned personal subscription information 122 and deduction information 124, the information retrieval and storage module 120 By linking and importing the customer's email, extract the electronic receipt and electronic invoice of the payment details of the mobile application store, link and import the payment method and subscription record and purchase record of the customer's mobile application store account, and link and import Accounting information from the bank's credit card system to obtain debit information 124. If the information retrieval and storage module 120 detects that the credit card is not our bank's credit card, but another bank's credit card, it needs to connect to the credit card account API query service provided by the United Credit Card Processing Center to query and return the account of the other bank's credit card. service information to obtain deduction information 124. After collecting the customer's personal subscription information 122 and debit information 124, the information retrieval and storage module 120 needs to clean and verify the information because the information formats of different information sources may be different. At the same time, the information retrieval and storage module 120 also links and imports the subscription items of the customer's mobile application store account, and retrieves the free trial subscription items and the expiration date of the free trial. In addition, the information acquisition storage module 120 and the estimated next payment date are used to obtain free trial subscription project information. The above-mentioned information capture and storage module 120 can also automatically capture the screen of the customer's communication device 200 when the customer clicks on a certain item, and uploads the above-mentioned personal subscription information 122 and debit information 124 to the bank's host server after cleaning and verification. 10 cloud database.

上述信用卡管理模組130,訊號連接上述授權設定模組110,用以供客戶設定綁定及解除綁定的信用卡並設置每月或單筆信用卡扣款額度,以及試算下期扣款金額132和本期扣款分析134。上述本期扣款分析134為依個人訂閱項目分類之繳費總金額計算扣款資訊124之百分比,並畫成百分比圓形圖,如圖4所示。The above-mentioned credit card management module 130 is connected with the above-mentioned authorization setting module 110 by signal, and is used for customers to set bound and unbound credit cards, set a monthly or single credit card deduction limit, and try to calculate the next period's deduction amount 132 and current Periodic deduction analysis134. The above deduction analysis 134 for the current period is to calculate the percentage of the deduction information 124 based on the total payment amount classified by individual subscription items, and draw it into a percentage circle chart, as shown in Figure 4.

上述資訊查詢模組,訊號連接上述資訊擷取儲存模組120及信用卡管理模組130,用以供客戶查詢個人訂閱資訊122及上述扣款資訊124,並可根據上述個人訂閱資訊122連回原始訂閱網頁或APP進行扣款資訊124修改。上述資訊查詢模組串聯Google日曆並生成周期扣款行事曆提供給客戶。The above-mentioned information query module is connected by signal to the above-mentioned information retrieval and storage module 120 and the credit card management module 130, and is used for customers to query the personal subscription information 122 and the above-mentioned deduction information 124, and can connect back to the original information based on the above-mentioned personal subscription information 122. Subscribe to the web page or APP to modify the deduction information 124. The above information query module is connected to Google Calendar and generates a periodic deduction calendar to provide to customers.

上述資訊比對模組150,訊號連接用上述資訊擷取儲存模組120及信用卡管理模組130,用以根據上述扣款資訊124及個人訂閱資訊122將扣款資訊124的訂閱項目名稱、扣款金額或扣款日期與個人訂閱資訊122的訂閱項目名稱、扣款金額或扣款日期匹配,並產生匹配資訊152。上述匹配資訊152會即時傳輸至客戶通訊裝置200供客戶確認匹配資訊152之正確性,客戶的判斷結果也會回饋到資訊比對模組150並對其進行優化。The above-mentioned information comparison module 150 uses the above-mentioned information retrieval and storage module 120 and the credit card management module 130 for signal connection to obtain the subscription item name and deduction information of the debit information 124 based on the above-mentioned debit information 124 and personal subscription information 122. The payment amount or deduction date matches the subscription item name, deduction amount or deduction date of the personal subscription information 122, and matching information 152 is generated. The above matching information 152 will be immediately transmitted to the customer communication device 200 for the customer to confirm the accuracy of the matching information 152. The customer's judgment results will also be fed back to the information comparison module 150 for optimization.

上述通知模組160,訊號連接上述授權設定模組110、資訊擷取儲存模組120、信用卡管理模組130、資訊查詢模組140及資訊比對模組150,用以透過簡訊、email、即時通訊軟體或銀行APP傳送上述授權設定模組110的是否同意授權資訊,上述資訊擷取儲存模組120的是否同意擷取資訊、重複訂閱及免費試用服務即將到期,上述信用卡管理模組130的上述下期扣款金額132、信用卡失效日期及異常交易資訊162,以及上述資訊比對模組150的上述匹配資訊152通知至上述客戶通訊裝置200。The above-mentioned notification module 160 is connected with the above-mentioned authorization setting module 110, information retrieval and storage module 120, credit card management module 130, information query module 140 and information comparison module 150 through signals, and is used for real-time communication via SMS, email, etc. The communication software or bank APP transmits the authorization information of the above-mentioned authorization setting module 110, the consent of the above-mentioned information capture and storage module 120 to retrieve information, repeated subscription and free trial service are about to expire, the above-mentioned credit card management module 130 The above-mentioned next period's deduction amount 132, credit card expiry date and abnormal transaction information 162, and the above-mentioned matching information 152 of the above-mentioned information comparison module 150 are notified to the above-mentioned customer communication device 200.

繼續說明,上述異常交易資訊162包括:扣款超過每月或單筆信用卡扣款額度時,訂閱項目彙整扣款系統100會通知銀行並拒絕交易。同時,通知模組160傳送異常交易資訊162至客戶通訊裝置200。扣款失敗,通知模組160傳送異常交易資訊162至客戶通訊裝置200,並說明扣款失敗原因,如圖3所示。客戶可通過資訊查詢模組返回原訂閱項目變更扣款資訊124。不在訂閱制的扣款週期卻突然被扣款。 取消訂閱但下期仍被扣款等等情況。 Continuing to explain, the above-mentioned abnormal transaction information 162 includes: when the deduction exceeds the monthly or single credit card deduction limit, the subscription project summary deduction system 100 will notify the bank and refuse the transaction. At the same time, the notification module 160 sends the abnormal transaction information 162 to the customer communication device 200 . If the deduction fails, the notification module 160 sends abnormal transaction information 162 to the customer communication device 200 and explains the reason for the failed deduction, as shown in Figure 3 . Customers can return the original subscription item change deduction information 124 through the information query module. The payment was suddenly deducted outside the subscription period. Situations such as canceling a subscription but still being charged for the next period.

進一步參考圖2說明本新型之訂閱項目彙整扣款系統100輸出之資訊查詢模組140之介面示意圖。,資料查詢模組會顯示個人訂閱資訊122和扣款資訊124。其中,個人訂閱資訊122包括訂閱到期日期、免費試用期、訂閱項目、訂閱費用或訂閱帳戶資訊,扣款資訊124包含信用卡資訊、扣款金額、商店名稱、扣款結果、下期扣款金額132、扣款日期或定期扣款資訊124。並且客戶可通過資料查詢模組連回原始訂閱網頁或APP進行扣款資訊124修改。Further refer to FIG. 2 to illustrate the interface schematic diagram of the information query module 140 output by the new subscription item summary and deduction system 100. , the data query module will display personal subscription information 122 and deduction information 124. Among them, personal subscription information 122 includes subscription expiration date, free trial period, subscription items, subscription fees or subscription account information, and deduction information 124 includes credit card information, deduction amount, store name, deduction result, and next period's deduction amount 132 , deduction date or regular deduction information 124. And customers can use the data query module to return to the original subscription webpage or APP to modify the deduction information 124.

請參閱圖3,圖3所繪為根據之訂閱項目彙整扣款系統100輸出之扣款資訊124之介面示意圖。扣款資訊124包含信用卡資訊、扣款金額、商店名稱、扣款結果、下期扣款金額132、扣款日期或定期扣款資訊124。若扣款失敗,扣款資訊124會顯示出扣款失敗的原因,並傳送異常交易資訊162至客戶通訊裝置200。Please refer to Figure 3, which is a schematic interface diagram of the deduction information 124 output by the deduction system 100 based on the subscription items. The deduction information 124 includes credit card information, deduction amount, store name, deduction result, next period's deduction amount 132 , deduction date or regular deduction information 124 . If the deduction fails, the deduction information 124 will display the reason for the deduction failure, and abnormal transaction information 162 will be sent to the customer communication device 200 .

進一步參考圖4說明本新型之訂閱項目彙整扣款系統100輸出之本期扣款分析134之百分比圓形示意圖。本期iCloud在本期扣款資訊124佔整體扣款金額的百分之五。本期扣款分析134為依個人訂閱項目分類之繳費總金額計算扣款資訊124之百分比,並畫成百分比圓形圖。Further refer to FIG. 4 to illustrate the percentage circular diagram of the current period deduction analysis 134 output by the new subscription item summary deduction system 100. The iCloud deduction information for this period 124 accounts for 5% of the overall deduction amount. The current period's deduction analysis 134 is to calculate the percentage of the deduction information 124 based on the total payment amount classified by individual subscription items, and draw a percentage circle chart.

上述之實施案例僅為舉例性之具體說明,而非為限制本發明之範圍,凡任何對其進行之等效修改或變更者,皆未脫離本發明之精神與範疇,均應包含於本案專利範圍中。The above-mentioned implementation examples are only illustrative and specific descriptions, and are not intended to limit the scope of the present invention. Any equivalent modifications or changes thereto do not deviate from the spirit and scope of the present invention, and shall be included in the patent of this case. within range.

10:銀行主機伺服器 100:訂閱項目彙整扣款系統 110:授權設定模組 112:身分驗證資訊 120:資訊擷取儲存模組 122:個人訂閱資訊 124:扣款資訊 130:信用卡管理模組 132:下期扣款金額 134:本期扣款分析 140:資訊查詢模組 150:資訊比對模組 152:匹配資訊 160:通知模組 162:異常交易資訊 200:客戶通訊裝置 10:Bank host server 100: Subscription project summary deduction system 110: Authorization setting module 112: Identity verification information 120:Information retrieval and storage module 122:Personal subscription information 124:Debit information 130: Credit card management module 132: Deduction amount for next period 134: Analysis of deductions in this period 140:Information query module 150:Information comparison module 152: Matching information 160:Notification module 162: Abnormal transaction information 200:Customer communication device

為讓本新型之上述技術和其他目的、特徵、優點與實施例能更明顯易懂,所附附圖之說明如下: 圖1所繪為根據本新型之訂閱項目彙整扣款系統輸出之一種訂閱項目彙整扣款系統之架構示意圖。 圖2所繪為根據本新型之訂閱項目彙整扣款系統輸出之資訊查詢模組之介面示意圖。 圖3所繪為根據本新型之訂閱項目彙整扣款系統輸出之扣款資訊之介面示意圖。 圖4所繪為根據本新型之訂閱項目彙整扣款系統輸出之本期扣款分析之百分比圓形示意圖。 In order to make the above-mentioned technology and other objects, features, advantages and embodiments of the present invention more clearly understandable, the accompanying drawings are described as follows: Figure 1 is a schematic structural diagram of a subscription item summary and deduction system output according to the new subscription item summary and deduction system. Figure 2 is a schematic interface diagram of the information query module output by the subscription item aggregation and deduction system of the present invention. Figure 3 is a schematic interface diagram of the deduction information output by the subscription item aggregation and deduction system according to the present invention. Figure 4 depicts a percentage circular diagram of the current period's deduction analysis output by the subscription item summary deduction system of the present invention.

100:訂閱項目彙整扣款系統 100: Subscription project summary deduction system

110:授權設定模組 110: Authorization setting module

120:資訊擷取儲存模組 120:Information retrieval and storage module

130:信用卡管理模組 130: Credit card management module

140:資訊查詢模組 140:Information query module

150:資訊比對模組 150:Information comparison module

160:通知模組 160:Notification module

200:客戶通訊裝置 200:Customer communication device

Claims (10)

一種訂閱項目彙整扣款系統,設置在一銀行主機伺服器內並連接一客戶通訊裝置,包括: 一授權設定模組,當該客戶通訊裝置傳輸一身分驗證資訊至該銀行主機伺服器,且該身分驗證資訊驗證完成後,提供給一客戶設定是否同意該訂閱項目彙整扣款系統擷取一個人訂閱資訊及一扣款資訊; 一資訊擷取儲存模組,訊號連接該授權設定模組,當該客戶同意該訂閱項目彙整扣款系統擷取該個人訂閱資訊及該扣款資訊時,用以蒐集並清洗校驗該客戶的該個人訂閱資訊及該扣款資訊,該資訊擷取儲存模組可自動擷取客戶通訊裝置的畫面,並將該個人訂閱資訊及該扣款資訊上傳至該銀行主機伺服器的雲端資料庫; 一信用卡管理模組,訊號連接該授權設定模組,用以供該客戶設定綁定及解除綁定的信用卡並設置每月或單筆信用卡扣款額度,以及試算一下期扣款金額和一本期扣款分析; 一資訊查詢模組,訊號連接該資訊擷取儲存模組及該信用卡管理模組,用以供該客戶查詢該個人訂閱資訊及該扣款資訊,並可根據該個人訂閱資訊連回原始訂閱網頁或APP進行扣款資訊修改; 一資訊比對模組,訊號連接用該資訊擷取儲存模組及該信用卡管理模組,用以根據該扣款資訊及該個人訂閱資訊將該扣款資訊與該個人訂閱資訊匹配,並產生一匹配資訊;及 一通知模組,訊號連接該授權設定模組、該資訊擷取儲存模組、該信用卡管理模組、該資訊查詢模組及該資訊比對模組,用以傳送該授權設定模組的是否同意授權資訊,該資訊擷取儲存模組的是否同意擷取資訊、重複訂閱及免費試用服務即將到期,該信用卡管理模組的該下期扣款金額、信用卡失效日期及一異常交易資訊,以及該資訊比對模組的該匹配資訊通知至該客戶通訊裝置。 A subscription item summary and deduction system is installed in a bank host server and connected to a customer communication device, including: An authorization setting module, when the customer communication device transmits an identity verification information to the bank's host server, and after the verification of the identity verification information is completed, it is provided to a customer to set whether to agree to the subscription project summary deduction system to retrieve a person's subscription Information and deduction information; An information capture and storage module, the signal is connected to the authorization setting module, when the customer agrees to the subscription project summary and deduction system to capture the personal subscription information and the deduction information, it is used to collect and clean and verify the customer's For the personal subscription information and the debit information, the information capture and storage module can automatically capture the screen of the customer's communication device, and upload the personal subscription information and the debit information to the cloud database of the bank's host server; A credit card management module, the signal is connected to the authorization setting module, and is used for the customer to set bound and unbound credit cards, set a monthly or single credit card deduction limit, and calculate the monthly deduction amount and a Periodic deduction analysis; An information query module, the signal is connected to the information retrieval and storage module and the credit card management module, used for the customer to query the personal subscription information and the deduction information, and can be linked back to the original subscription webpage based on the personal subscription information or APP to modify the deduction information; An information comparison module, the signal connection uses the information retrieval and storage module and the credit card management module to match the debit information with the personal subscription information based on the debit information and the personal subscription information, and generate 1 matching information; and A notification module, the signal is connected to the authorization setting module, the information retrieval and storage module, the credit card management module, the information query module and the information comparison module, for transmitting whether the authorization setting module Agree to the authorization information, whether the information capture and storage module agrees to capture information, repeated subscriptions and free trial services are about to expire, the next period's deduction amount, credit card expiration date and an abnormal transaction information of the credit card management module, and The matching information of the information comparison module is notified to the customer communication device. 如請求項1所述的訂閱項目彙整扣款系統,其中該個人訂閱資訊包括訂閱到期日期、免費試用期、訂閱項目、訂閱費用或訂閱帳戶資訊。The subscription item summary and deduction system as described in request item 1, wherein the personal subscription information includes subscription expiration date, free trial period, subscription item, subscription fee or subscription account information. 如請求項1所述的訂閱項目彙整扣款系統,其中該扣款資訊包含信用卡資訊、扣款金額、商店名稱、扣款結果、下期扣款金額、扣款日期或定期扣款資訊。The subscription item summary deduction system as described in request item 1, wherein the deduction information includes credit card information, deduction amount, store name, deduction result, next period's deduction amount, deduction date or regular deduction information. 如請求項1所述的訂閱項目彙整扣款系統,其中該資訊擷取儲存模組的資訊來源為email、該客戶通訊裝置應用程式商店、訂閱平台、聯合信用卡處理中心或銀行。The subscription item aggregation and deduction system as described in request item 1, wherein the information source of the information retrieval and storage module is email, the customer communication device application store, a subscription platform, a joint credit card processing center or a bank. 如請求項1所述的訂閱項目彙整扣款系統,其中該本期扣款分析為計算個人訂閱項目分類之繳費總金額作為該扣款資訊之百分比,並畫成百分比圓形圖。The subscription item summary deduction system as described in request item 1, wherein the current period deduction analysis is to calculate the total payment amount of the individual subscription item category as a percentage of the deduction information, and draw a percentage circle chart. 如請求項1所述的訂閱項目彙整扣款系統,其中該資訊比對模組係根據該扣款資訊及該個人訂閱資訊的訂閱項目名稱、扣款金額或扣款日期進行匹配。The subscription item summary and deduction system as described in request item 1, wherein the information comparison module performs matching based on the deduction information and the subscription item name, deduction amount or deduction date of the personal subscription information. 如請求項1所述的訂閱項目彙整扣款系統,其中該通知模組透過簡訊、email、即時通訊軟體或銀行APP通知該客戶。For the subscription item summary and deduction system described in request item 1, the notification module notifies the customer through SMS, email, instant messaging software or bank APP. 如請求項1所述的訂閱項目彙整扣款系統,其中該異常交易資訊包括不在扣款週期卻被扣款、取消下期訂閱卻被扣款、扣款超過每月或單筆信用卡扣款額度或扣款失敗。Subscription project summary deduction system as described in request item 1, wherein the abnormal transaction information includes being deducted outside the debit period, canceling the next subscription but being deducted, deducting more than the monthly or single credit card debit limit, or Deduction failed. 如請求項1所述的訂閱項目彙整扣款系統,其中該資訊查詢模組串聯Google日曆並生成周期扣款行事曆。The subscription item summary and deduction system as described in request item 1, wherein the information query module is connected to Google Calendar and generates a periodic deduction calendar. 如請求項1所述的訂閱項目彙整扣款系統,其中該資訊比對模組會收集該客戶的回饋資訊進行優化。As for the subscription item summary and deduction system described in request item 1, the information comparison module will collect the customer's feedback information for optimization.
TW112205535U 2023-06-01 2023-06-01 Subscription item aggregation and debit system TWM645152U (en)

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