TWM658441U - Credit card bill system - Google Patents

Abstract

A credit card bill system includes a merchant electronic server and a credit card electronic server. The merchant electronic server is configured to add a credit card transaction data, in which the credit card transaction data includes at least one of a geographical location and a merchant registration name. The credit card electronic server is connected to the merchant electronic server. A processor of the bank electronic server is configured to generate a bill data based on the credit card transaction data. The credit card electronic server is connected to an external electronic server to obtain at least one of a map information corresponding to the geographical location of the credit card transaction data and a general network information corresponding to the merchant registration name of the credit card transaction data, and the processor of the credit card electronic server is further configured to integrate at least one of the map information and the general network information into the bill information.

Description

Credit card billing system

The invention relates to a credit card billing system.

When receiving a credit card bill, a credit card consumer will check the transaction details of each credit card bill to confirm whether the transaction was actually made. However, since the transaction details of a credit card bill only list the merchant name, date and amount of the transaction, the credit card consumer may forget whether the transaction was actually made, which causes the credit card consumer to spend a lot of extra time and effort to further check and confirm.

It can be seen that the above existing credit card billing method still has inconveniences and defects and needs to be improved. In order to solve the above problems and improve the convenience of users, relevant fields have spared no effort to seek solutions, but for a long time no appropriate solutions have been developed.

To solve the above problems, the present invention provides a credit card billing system including a merchant electronic server and a credit card electronic server. The merchant electronic server is configured to add credit card transaction data, wherein the credit card transaction data includes at least one of a geographic location and a merchant registration name. The credit card electronic server is connected to the merchant electronic server, and a processor of the credit card electronic server is configured to generate billing data according to the credit card transaction data, wherein the credit card electronic server is connected to an external electronic server to obtain at least one of map information corresponding to the geographic location of the credit card transaction data and network universal information corresponding to the merchant registration name of the credit card transaction data, and the processor of the credit card electronic server is further configured to integrate at least one of the map information and the network universal information into the billing data.

In one or more implementations of the present invention, the processor of the credit card electronic server is further configured to analyze the geographic location of the credit card transaction data and a preset geographic range and generate an analysis result.

In one or more embodiments of the present invention, the processor of the credit card electronic server is further configured to periodically update the preset geographic range based on the credit card transaction data.

In one or more embodiments of the present invention, the credit card electronic server includes a database configured to store billing information and preset geographic ranges.

In one or more embodiments of the present invention, if the analysis result indicates that the geographic location of the credit card transaction data exceeds a preset geographic range, the processor of the credit card electronic server is further configured to generate a warning message.

In one or more embodiments of the present invention, the credit card billing system further includes a user electronic device. The user electronic device is connected to the credit card electronic server, wherein the credit card electronic server is configured to send an alert message to the user electronic device.

In one or more embodiments of the present invention, the processor of the credit card electronic server is further configured to compare the merchant registration name of the credit card transaction data with multiple historical merchant data and generate a comparison result.

In one or more embodiments of the present invention, if the comparison result indicates that the merchant registration name of the credit card transaction data does not match each of the historical merchant data, the processor of the credit card electronic server is further configured to generate a warning message.

In one or more embodiments of the present invention, the credit card billing system further includes a user electronic device. The user electronic device is connected to the credit card electronic server, wherein the user electronic device includes a receiver and a display interface, the receiver of the user electronic device is configured to receive billing information transmitted from the credit card electronic server, and the display interface of the user electronic device is configured to display the billing information.

In one or more implementations of the present invention, the user electronic device further includes an input device and a transmitter, the input device of the user electronic device is configured to add login information, the transmitter of the user electronic device is configured to transmit the login information to the credit card electronic server, and the processor of the credit card electronic server is further configured to verify the login information.

In summary, the credit card billing system provided by the present invention includes a merchant electronic server and a credit card electronic server. The credit card electronic server is connected to an external electronic server to obtain map information corresponding to the geographical location of the credit card transaction data and at least one of the network general information corresponding to the merchant registration name of the credit card transaction data. The processor of the credit card electronic server is further configured to integrate at least one of the map information and the network general information into the billing data, thereby providing users (i.e., credit card consumers) with quick and efficient confirmation of consumption information.

The above description is only used to explain the problems to be solved by the present invention, the technical means for solving the problems, and the effects produced, etc. The specific details of the present invention will be introduced in detail in the following implementation methods and related drawings.

The following will disclose multiple embodiments of the present invention with drawings. For the purpose of clarity, many practical details will be described together in the following description. However, it should be understood that these practical details should not be used to limit the present invention. In other words, in some embodiments of the present invention, these practical details are not necessary. In addition, in order to simplify the drawings, some commonly used structures and components will be shown in the drawings in a simple schematic manner.

The words "include", "including", "have", and similar words used in this invention are used to indicate the characteristics, regions, integers, steps, operations, elements and/or components described, but they do not exclude the described or additional one or more characteristics, regions, integers, steps, operations, elements, components, and/or groups thereof. In addition, the words "and/or" used below in this invention include any combination of one or more of the listed related items.

In the present invention, when an element is described as being “connected” or “electrically connected” to another element, the element may be directly connected or directly electrically connected to the other element, or there may be an additional element between the two elements and the element may be indirectly connected or indirectly electrically connected to the other element.

FIG. 1 shows a functional block diagram of a credit card billing system 10 according to one or more embodiments of the present invention. Referring to FIG. 1, the credit card billing system 10 includes a merchant electronic server 100 and a credit card electronic server 200. The merchant electronic server 100 is configured to add credit card transaction data, wherein the credit card transaction data includes at least one of a geographic location and a merchant registration name. The credit card electronic server 200 is connected to the merchant electronic server 100. The processor 220 of the credit card electronic server 200 is configured to generate billing data based on the credit card transaction data. The credit card electronic server 200 is connected to an external electronic server 400 to obtain at least one of map information corresponding to the geographic location of the credit card transaction data and network general information corresponding to the merchant registration name of the credit card transaction data. The processor 220 of the credit card electronic server 200 is further configured to integrate at least one of the map information and the network general information into the billing data. Through the configuration of the credit card billing system 10, users (e.g., credit card consumers) can be provided with a quick and efficient way to confirm consumption information. In addition, since at least one of the map information and the network general information is integrated into the billing data, the convenience of users in querying and confirming billing information can be improved, and the user's willingness to use can be increased.

In some embodiments, the credit card billing system 10 further includes a user electronic device 300. The user electronic device 300 is connected to the credit card electronic server 200 to receive billing information or messages related to credit card transaction data (e.g., alert messages). In some embodiments, the connection between the merchant electronic server 100, the credit card electronic server 200, the user electronic device 300, and/or the external electronic server 400 can be through a wireless network connection, for example, a radio frequency device, a baseband device, an antenna, or other similar components or a combination of the above components that include wireless network functions. The connection between the merchant electronic server 100, the credit card electronic server 200, the user electronic device 300, and/or the external electronic server 400 can also be through a wired network connection, for example, an Ethernet card that includes wired network functions can be used. In some implementations, the user electronic device 300 is a desktop computer, a laptop computer, a mobile device, or other appropriate electronic device.

As shown in FIG. 1 , the credit card electronic server 200 includes a receiver 210, a processor 220 connected to the receiver 210, a transmitter 230 connected to the processor 220, and a database 240 connected to the processor 220. The user electronic device 300 includes an input device 310, a transmitter 320 connected to the input device 310, a receiver 330 connected to the transmitter 320, and a display interface 340 connected to the receiver 330.

The receiver 210 of the credit card electronic server 200 is configured to receive the credit card transaction data transmitted from the merchant electronic server 100. In some implementations, the credit card transaction data includes at least one of a geographic location, a merchant name, a consumption date, a consumption amount, and a credit card number.

The credit card electronic server 200 can be connected to the external electronic server 400 via the receiver 210 to obtain (or receive) map information and/or network general information. The processor 220 of the credit card electronic server 200 is configured to generate billing information based on the credit card transaction data, and is further configured to integrate the map information and/or network general information into the billing data to provide user query and confirmation. In other words, the billing information may include geographic location, merchant name, consumption date, consumption amount, credit card number, and map information and/or network general information. In some embodiments, the external electronic server 400 includes a map electronic server (e.g., Google Maps Server), an Internet Protocol geographic location electronic server, a store information electronic server, a forum electronic server, or other appropriate electronic servers.

The processor 220 of the credit card electronic server 200 is further configured to analyze the geographic location of the credit card transaction data and the preset geographic range and generate an analysis result. In some embodiments, if the analysis result indicates that the geographic location of the credit card transaction data exceeds the preset geographic range, the processor 220 of the credit card electronic server 200 is further configured to generate a warning message according to the analysis result. The transmitter 230 of the credit card electronic server 200 is configured to transmit the warning message to the user electronic device 300, and the display interface 340 of the user electronic device 300 is configured to display the warning message to provide the user with immediate confirmation. The warning message can be a push notification on the official website of the credit card electronic server 200, a push notification on an application, an email, a text message, or other appropriate messages. In some implementations, if the analysis result indicates that the geographic location of the credit card transaction data does not exceed a preset geographic range, the processor 220 of the credit card electronic server 200 is configured not to generate a warning message or only to generate a general non-warning message.

In some embodiments, the processor 220 of the credit card electronic server 200 is configured to capture multiple geographic locations of multiple credit card data of a user within a certain period of time (e.g., half a year, one year, or two years), and calculate the preset geographic range based on the aforementioned geographic locations. For example, the processor 220 of the credit card electronic server 200 calculates the preset geographic range by arranging the aforementioned geographic locations in order (e.g., arranging the aforementioned geographic locations according to their relative positions on a map), selecting a central geographic location from the arranged geographic locations, and setting a certain distance (e.g., 10 kilometers, 50 kilometers, or 100 kilometers) outward from the aforementioned central geographic location to obtain the preset geographic range. In some embodiments, the processor 220 of the credit card electronic server 200 calculates the preset geographic range by using a probability density function method.

In some embodiments, the processor 220 of the credit card electronic server 200 is further configured to periodically update the preset geographic range based on the credit card transaction data. For example, the processor 220 of the credit card electronic server 200 is configured to update the preset geographic range based on the credit card transaction data at a certain time (e.g., every six months, every year, or every two years) to more accurately obtain the geographic range associated with the user's consumption. In some embodiments, the database 240 of the credit card electronic server 200 is configured to store billing data and the preset geographic range.

The processor 220 of the credit card electronic server 200 is further configured to compare the merchant registration name of the credit card transaction data with a plurality of historical merchant data and generate a comparison result. In some embodiments, if the comparison result indicates that the merchant registration name of the credit card transaction data does not match each of the historical merchant data, the processor 220 of the credit card electronic server 200 is further configured to generate a warning message based on the comparison result. The transmitter 230 of the credit card electronic server 200 is configured to transmit the warning message to the user electronic device 300, and the display interface 340 of the user electronic device 300 is configured to display the warning message to provide the user with immediate confirmation. The warning message can be a push notification from the official website of the credit card electronic server 200, a push notification from an application, an email, a text message, or other appropriate messages. In some embodiments, if the comparison result indicates that the merchant registration name of the credit card transaction data matches any of the historical merchant data, the processor 220 of the credit card electronic server 200 is configured not to generate a warning message or only to generate a general non-warning message.

In some implementations, the historical merchant data includes online platform merchant data, and the historical merchant data does not include physical merchant data. In some implementations, the processor 220 of the credit card electronic server 200 is configured to capture multiple online platform merchant registration names from multiple merchant registration names of multiple credit card data of a user within a certain period of time (e.g., half a year, a year, or two years) to obtain historical merchant data. In some implementations, the processor 220 of the credit card electronic server 200 is further configured to periodically update the historical merchant data based on the credit card transaction data. For example, the processor 220 of the credit card electronic server 200 is configured to update the historical merchant data according to the online merchant platform registration name in the merchant registration name of the credit card transaction data at a certain time (e.g., every six months, every year, or every two years) to more accurately obtain the merchant data (e.g., online platform merchant) associated with the user's previous consumption. In some implementations, the database 240 of the credit card electronic server 200 is configured to store billing data and historical merchant data.

In some implementations, the receiver 330 of the user electronic device 300 is configured to receive billing information transmitted from the credit card electronic server 200, and the display interface 340 of the user electronic device 300 is configured to display the billing information.

In some embodiments, the input device 310 of the user electronic device 300 is configured to add login information. The login information may include a user code and a user password corresponding to the user code. Alternatively, the login information may include an ID number, a user code, and a user password, and the ID number, the user code, and the user password correspond to (match) each other. The transmitter 320 of the user electronic device 300 is connected to the input device 310, and the transmitter 320 of the user electronic device 300 is configured to transmit the login information to the credit card electronic server 200. The receiver 210 of the credit card electronic server 200 is configured to receive the login information transmitted from the user electronic device 300.

In some embodiments, the processor 220 of the credit card electronic server 200 is configured to verify the login information. For example, the database 240 of the credit card electronic server 200 stores the set identity information. The processor 220 of the credit card electronic server 200 is configured to compare the login information transmitted by the user electronic device 300 with the set identity information in the database 240 to verify the login information. For example, if the processor 220 of the credit card electronic server 200 compares the login information transmitted by the user electronic device 300 with the set identity information in the database 240 and finds that the login information is consistent, the user can log in to the credit card electronic server 200 (for example, to query billing information). If the processor 220 of the credit card electronic server 200 compares the login information sent by the user's electronic device 300 with the set identity data in the database 240 and finds that the information is inconsistent, the user cannot log in to the credit card electronic server 200.

In some implementations, the processor 220 of the credit card electronic server 200 is further configured to execute at least one credit card process operation, wherein the credit card process operation includes a credit card application, billing information query, credit card payment, or other similar process operations.

In some embodiments, the merchant electronic server 100 is one or more electronic servers and is configured to add one or more credit card transaction data. In some embodiments, the merchant electronic server 100 includes at least one of a physical merchant electronic server and a network platform merchant electronic server, wherein the physical merchant electronic server is configured to add credit card transaction data including a geographic location and a merchant registration name, and the network platform merchant electronic server is configured to add credit card transaction data including a merchant registration name.

In some embodiments, the processor 220 of the credit card electronic server 200 is a central processing unit (CPU), a controller or other analysis device with analysis function. The transmitter 230 of the credit card electronic server 200 and/or the transmitter 320 of the user electronic device 300 can be a WiFi transmitter, an optical fiber transmitter or a Bluetooth transmitter, and the receiver 210 of the credit card electronic server 200 and/or the receiver 330 of the user electronic device 300 can be a corresponding WiFi receiver, an optical fiber receiver or a Bluetooth receiver, etc., but the present invention is not limited thereto. The database 240 of the credit card electronic server 200 can be a solid-state drive, a hard disk drive or other device with storage function, but the present invention is not limited thereto.

FIG. 2 is a flowchart of the operation of the credit card billing system according to one or more embodiments of the present invention. In step S202, as shown in FIG. 1 and FIG. 2, the merchant electronic server 100 adds credit card transaction data, wherein the credit card transaction data includes at least one of a geographic location and a merchant registration name. For example, if the merchant electronic server 100 is a physical merchant electronic server, the credit card transaction data includes a geographic location (i.e., the actual card swiping location) and a merchant registration name. If the merchant electronic server 100 is a network platform merchant electronic server, the credit card transaction data includes a merchant registration name but does not include a geographic location.

After step S202, step S204 is performed. As shown in FIG. 1 and FIG. 2, the credit card electronic server 200 receives the credit card transaction data. Specifically, the receiver 210 of the credit card electronic server 200 receives the credit card transaction data transmitted from the merchant electronic server 100. After step S204, step S206 is performed. As shown in FIG. 1 and FIG. 2, the credit card electronic server 200 generates billing data based on the credit card transaction data. Specifically, the processor 220 of the credit card electronic server 200 generates billing data based on the credit card transaction data.

After step S206, step S208 is performed. As shown in FIG. 1 and FIG. 2, the credit card electronic server 200 is connected to the external electronic server 400 to obtain at least one of the map information of the geographical location corresponding to the credit card transaction data and the network general information of the merchant registration name corresponding to the credit card transaction data. In detail, if the merchant electronic server 100 is a physical merchant electronic server, the credit card electronic server 200 is connected to the external electronic server 400 to obtain the map information of the geographical location corresponding to the credit card transaction data. If the merchant electronic server 100 is a network platform merchant electronic server, the credit card electronic server 200 connects to the external electronic server 400 to obtain the network general information of the merchant registration name corresponding to the credit card transaction data, wherein the network general information may include a network platform name different from the merchant registration name, a registered industry, and other appropriate information.

After step S208, step S210 is performed. As shown in FIG. 1 and FIG. 2, the credit card electronic server 200 integrates at least one of the map information and the network general information into the billing data. In detail, if the merchant electronic server 100 is a physical merchant electronic server, the processor 220 of the credit card electronic server 200 integrates the map information into the billing data. In this way, when the user queries the billing information, he can quickly and efficiently confirm the consumption information through the map information. For example, the user can view the nearby area of the geographical location (i.e., the map information) to help recall whether he has indeed consumed in this merchant. If the merchant electronic server 100 is a network platform merchant electronic server, the processor 220 of the credit card electronic server 200 integrates the network general information into the billing data. Since the merchant registration name of the online platform is often different from the online platform name familiar to the user, obtaining the online platform name through the credit card electronic server 200 can help the user to compare the merchant registration name with the online platform name of the general network information when querying the bill information, thereby quickly and efficiently confirming the consumption information.

In some implementations, after step S210, the input device 310 of the user electronic device 300 adds login information. Then, the processor 220 of the credit card electronic server 200 verifies the login information. In this way, the user can log in to the credit card electronic server 200 from the user electronic device 300. In some implementations, the user adds an operation instruction (for example, a click operation instruction, a move operation instruction, or other appropriate operation instruction) through the input device 310 of the user electronic device 300 to display map information and/or general network information on the display interface 340. In some implementations, the billing information includes a hyperlink area corresponding to the map information and/or general network information. After the input device 310 of the user electronic device 300 adds an operation instruction, the map information and/or general network information is displayed on the display interface 340. The hyperlink area can be an embedded web page URL, a text link, or a graphic link.

FIG. 3 is a flowchart of the operation of the credit card billing system according to one or more embodiments of the present invention. It should be understood that step S302 and step S304 of FIG. 3 are similar or identical to step S202 and step S204 of FIG. 2, respectively, and thus will not be repeated here. As shown in FIG. 3, after step S304, step S306 is continued. As shown in FIG. 1 and FIG. 3, the credit card electronic server 200 analyzes the geographical location of the credit card transaction data and the preset geographical range and generates an analysis result. Specifically, the processor 220 of the credit card electronic server 200 analyzes whether the geographical location of the credit card transaction data exceeds the preset geographical range, so as to provide the user (i.e., the credit card consumer) with confirmation as to whether the consumption is made by the user himself or the credit card is stolen. In some implementations, the database 240 of the credit card electronic server 200 stores a preset geographic range.

After step S306, step S308 is performed. As shown in FIG. 1 and FIG. 3, the credit card electronic server 200 performs corresponding operations according to the analysis results. In detail, if the analysis result indicates that the geographical location of the credit card transaction data exceeds the preset geographical range, the processor 220 of the credit card electronic server 200 generates a warning message. The transmitter 230 of the credit card electronic server 200 then transmits the warning message to the user electronic device 300 to provide the user with confirmation. In some embodiments, if the analysis result indicates that the geographical location of the credit card transaction data does not exceed the preset geographical range, the processor 220 of the credit card electronic server 200 does not generate a warning message or only generates a general message other than a warning.

FIG. 4 is a flowchart of the operation of the credit card billing system according to one or more embodiments of the present invention. It should be understood that step S402 and step S404 of FIG. 4 are similar or identical to step S202 and step S204 of FIG. 2, respectively, and thus will not be repeated here. As shown in FIG. 4, after step S404, step S406 is continued. As shown in FIG. 1 and FIG. 4, the credit card electronic server 200 compares the merchant registration name of the credit card transaction data with a plurality of historical merchant data and generates a comparison result. Specifically, the processor 220 of the credit card electronic server 200 compares the merchant registration name of the credit card transaction data with the historical merchant data to provide the user (i.e., the credit card consumer) with confirmation whether the payment is made by the user himself or by fraud. In some implementations, the database 240 of the credit card electronic server 200 stores the historical merchant data.

After step S406, step S408 is performed. As shown in FIG. 1 and FIG. 4, the credit card electronic server 200 performs corresponding operations according to the comparison results. In detail, if the comparison result indicates that the merchant registration name of the credit card transaction data does not match any of the historical merchant data, the processor 220 of the credit card electronic server 200 generates a warning message. The transmitter 230 of the credit card electronic server 200 then transmits the warning message to the user electronic device 300 to provide the user with confirmation. In some embodiments, if the comparison result indicates that the merchant registration name of the credit card transaction data matches any of the historical merchant data, the processor 220 of the credit card electronic server 200 does not generate a warning message or only generates a general message other than a warning.

In summary, the credit card billing system provided by the present invention includes a merchant electronic server and a credit card electronic server. The credit card electronic server is connected to an external electronic server to obtain at least one of map information corresponding to the geographic location of the credit card transaction data and network general information corresponding to the merchant registration name of the credit card transaction data. The processor of the credit card electronic server is further configured to integrate at least one of the map information and the network general information into the billing data, thereby providing users with a quick and efficient way to confirm consumption information.

10: Credit card billing system 100: Merchant electronic server 200: Credit card electronic server 210,330: Receiver 220: Processor 230,320: Transmitter 240: Database 300: User electronic device 310: Input device 340: Display interface 400: External electronic server S202,S204,S206,S208,S210,S302,S304,S306,S308,S402,S404,S406,S408: Steps

In order to describe the above or other advantages and features of the present invention, the principles briefly described above will be explained in more detail by referring to its specific implementation methods, and the specific implementation methods are shown in the accompanying drawings. These drawings only illustrate the present invention by way of example and are not to be considered as limiting the scope, wherein: Figure 1 shows a functional block diagram of a credit card billing system according to one or more implementation methods of the present invention. Figure 2 shows an operation flow chart of a credit card billing system according to one or more implementation methods of the present invention. Figure 3 shows an operation flow chart of a credit card billing system according to one or more implementation methods of the present invention. Figure 4 shows an operation flow chart of a credit card billing system according to one or more implementation methods of the present invention.

10: Credit card billing system

100:Merchant electronic server

200: Credit card electronic server

210,330:Receiver

220: Processor

230,320:Transmitter

240: Database

300: User electronic devices

310: Input Device

340: Display interface

400: External electronic server

Claims (10)

A credit card billing system, comprising: a merchant electronic server, configured to add a credit card transaction data, wherein the credit card transaction data includes at least one of a geographic location and a merchant registration name; and a credit card electronic server, connected to the merchant electronic server, a processor of the credit card electronic server configured to generate a billing data according to the credit card transaction data, wherein the credit card electronic server is connected to an external electronic server to obtain at least one of a map information corresponding to the geographic location of the credit card transaction data and a network universal information corresponding to the merchant registration name of the credit card transaction data, and the processor of the credit card electronic server is further configured to integrate at least one of the map information and the network universal information into the billing data. A credit card billing system as described in claim 1, wherein the processor of the credit card electronic server is further configured to analyze the geographic location of the credit card transaction data and a preset geographic range and generate an analysis result. A credit card billing system as described in claim 2, wherein the processor of the credit card electronic server is further configured to periodically update the preset geographic range based on the credit card transaction data. A credit card billing system as described in claim 2, wherein the credit card electronic server includes a database configured to store the billing data and the default geographic range. A credit card billing system as described in claim 2, wherein if the analysis result indicates that the geographic location of the credit card transaction data exceeds the preset geographic range, the processor of the credit card electronic server is further configured to generate a warning message. The credit card billing system as described in claim 5 further comprises: A user electronic device connected to the credit card electronic server, wherein the credit card electronic server is configured to transmit the alert message to the user electronic device. A credit card billing system as described in claim 1, wherein the processor of the credit card electronic server is further configured to compare the merchant registration name of the credit card transaction data with multiple historical merchant data and generate a comparison result. A credit card billing system as described in claim 7, wherein if the comparison result indicates that the merchant registration name of the credit card transaction data does not match each of the historical merchant data, the processor of the credit card electronic server is further configured to generate a warning message. The credit card billing system as described in claim 1 further comprises: A user electronic device connected to the credit card electronic server, wherein the user electronic device comprises a receiver and a display interface, the receiver of the user electronic device is configured to receive the billing information transmitted from the credit card electronic server, and the display interface of the user electronic device is configured to display the billing information. A credit card billing system as described in claim 9, wherein the user electronic device further includes an input device and a transmitter, the input device of the user electronic device is configured to add a login information, the transmitter of the user electronic device is configured to transmit the login information to the credit card electronic server, and the processor of the credit card electronic server is further configured to verify the login information.

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