WO2017128319A1 - Data sending method for electronic account monitoring technique, and prompting system - Google Patents

Data sending method for electronic account monitoring technique, and prompting system Download PDF

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Publication number
WO2017128319A1
WO2017128319A1 PCT/CN2016/072880 CN2016072880W WO2017128319A1 WO 2017128319 A1 WO2017128319 A1 WO 2017128319A1 CN 2016072880 W CN2016072880 W CN 2016072880W WO 2017128319 A1 WO2017128319 A1 WO 2017128319A1
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electronic account
user
information
prompting
account fund
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PCT/CN2016/072880
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French (fr)
Chinese (zh)
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吕璇
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吕璇
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Priority to PCT/CN2016/072880 priority Critical patent/WO2017128319A1/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols

Abstract

A data sending method for an electronic account monitoring technique, and a prompting system. The method comprises: recording electronic account capital limit information set by a user and current electronic account capital limit information; determining whether a current electronic account capital limit is less than an account capital limit set by the user; if not, it being thought that there is enough money, and not sending information for prompting a client to transfer money, and sending technical usage data to a data acquisition terminal pre-set by a manufacturer; and if so, sending the information for prompting the client to transfer money, and sending the technical usage data to the data acquisition terminal pre-set by the manufacturer. The method and the prompt system ensure that a user has enough money when purchasing goods online, without missing a panic buying opportunity, and on the other hand, the capital security of an electronic account can also be guaranteed and the loss of money is prevented. Meanwhile, it is convenient for a manufacturer to effectively acquire the usage conditions of a related technique in time by means of timely feedback after the technique is adopted.

Description

电子账户监控技术的数据发送方法及提示系统  Data transmission method and prompting system for electronic account monitoring technology 技术领域Technical field
本发明属于互联网金融 领域 ,提供了一种电子账户监控技术的数据发送方法及提示系统。  The invention belongs to the field of internet finance, and provides a data sending method and a prompting system for electronic account monitoring technology.
背景技术Background technique
现在企业申请的专利数量越来越多,而且将专利用在市场上、产品中的情形也越来越多。 Nowadays, the number of patents applied by enterprises is increasing, and the use of patents in the market and products is increasing.
根据国家知识产权的数据库显示,OPPO公司在2014年申请的发明专利数为938个,而同期的腾讯公司的发明专利数为1447个。这两家公司的发明中,有关于用户体验和用户直接操作相关的发明专利约占总数的80%左右。当然包括其他以用户体验为主的公司的类似专利申请也是具有很大的数量级,比如小米公司等。 According to the national intellectual property database, the number of invention patents applied by OPPO in 2014 was 938, while the number of invention patents of Tencent in the same period was 1,447. Among the inventions of the two companies, about 80% of the total number of invention patents related to user experience and direct user operations. Of course, similar patent applications, including other companies based on user experience, are also of a large order of magnitude, such as Xiaomi.
考虑到技术使用的同时,专利的申请过程和授权后的维护过程都会产生人力、财力上的成本:如答复审查意见、缴纳授权费等,对于核心技术(如:CDMA的底层技术)或市场认同度比较高的技术(如:滑动解锁)而言,那么相关成本就可以忽略不计,对于这些技术的投入是值得的,但这类技术毕竟是少数,更多的技术经过市场验证后,其实并不能触及用户的痛点或痒点,而对这些技术的专利投入,就容易造成成本的浪费。 Considering the use of technology, the patent application process and the post-authorization maintenance process will generate human and financial costs: such as replying to review opinions, paying license fees, etc., for core technologies (such as CDMA underlying technology) or market identification. For relatively high-tech technologies (such as sliding unlocking), the related costs are negligible, and the investment in these technologies is worthwhile, but such technologies are a minority after all, and more technologies have been verified by the market. The user's pain points or itch points cannot be touched, and the patent investment in these technologies is likely to cause cost waste.
所以需要有一种方法能够通过实在的数据,及时评估相关技术的市场接受度或价值,同时,为了使得本人的上一个申请《 根据电子账户资金额度匹配信息提示的方法及提示系统 》中的相关技术得到及时评估,特提出一种技术使用数据的采集/发送的方法。 Therefore, there is a need for a method to timely assess the market acceptance or value of related technologies through real data, and at the same time, in order to make my last application, the method and prompting system for matching information prompts according to the electronic account funds quota. The related technology in the paper is evaluated in time, and a method for collecting/sending data using technology is proposed.
技术问题technical problem
本发明实施例提供了一种电子账户监控技术的数据发送方法及提示系统,能够通过将用户账户资金余额与用户设定的账户资金额度相匹配,让系统能够及时发现客户是否有充足资金进行网上购物,一方面保证用户在进行网上购物时有充裕的资金,不至于错失抢购时机,另一方面又可以保障电子账户资金安全,防止钱财的遗失,同时,通过使用技术后的及时反馈,也方便厂家及时有效的采集相关技术的使用情况。 The embodiment of the invention provides a data sending method and a prompting system for an electronic account monitoring technology, which can match the balance of the user account funds with the account fund amount set by the user, so that the system can timely find out whether the customer has sufficient funds to conduct online. Shopping, on the one hand, ensures that users have sufficient funds when doing online shopping, and will not miss the opportunity to buy, on the other hand, it can protect the security of electronic accounts and prevent the loss of money. At the same time, it is convenient to use timely feedback after using technology. Manufacturers timely and effectively collect the use of related technologies.
技术解决方案Technical solution
本发明是这样实现的:一种电子账户监控技术的数据发送方法,包括以下步骤: The present invention is implemented as follows: a data transmission method of an electronic account monitoring technology, comprising the following steps:
记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息; Recording the electronic account fund quota information set by the user and the current electronic account fund quota information;
读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息; Reading the electronic account fund quota information set by the user and the current electronic account fund quota information;
判断当前电子账户额度是否低于用户设定的账户资金额度; Determine whether the current electronic account quota is lower than the account fund amount set by the user;
若否,视为资金充裕,不发出提示客户进行转账的信息; If not, it is considered that the funds are sufficient, and no information is sent to prompt the customer to make the transfer;
若是,发出提示客户进行转账的信息,并向厂家预设的数据采集端发送技术使用数据。 If yes, send a message prompting the customer to transfer the money, and send the technical usage data to the data collection end preset by the manufacturer.
本发明实施例还提供了一种提示系统,包括: The embodiment of the invention further provides a prompting system, including:
记录单元,用于记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息; a recording unit, configured to record user-set electronic account fund quota information and current electronic account fund quota information;
读取单元,与记录单元输出端向连接,用于读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息; The reading unit is connected to the output end of the recording unit for reading the electronic account fund quota information set by the user and the current electronic account fund quota information;
判断单元,与读取单元的输出端相连接,用于判断当前电子账户额度是否低于用户设定的账户资金额度; The determining unit is connected to the output end of the reading unit, and is configured to determine whether the current electronic account quota is lower than the account fund quota set by the user;
调控单元,与判断单元的输出端相连接,若当前账户资金额度低于用户设定的账户资金额度时,则发出提示客户进行转账的信息; The control unit is connected to the output end of the judging unit, and if the current account capital amount is lower than the account fund quota set by the user, the information prompting the customer to transfer the account is issued;
数据发送单元,与所述调控单元的输出端连接,用于向厂家预设的数据采集端发送技术使用数据。 The data sending unit is connected to the output end of the control unit, and is configured to send technical usage data to a data collection end preset by the manufacturer.
有益效果Beneficial effect
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配,让系统能够及时发现客户是否有充足资金进行网上购物,一方面保证用户在进行网上购物时有充裕的资金,不至于错失抢购时机,另一方面又可以保障电子账户资金安全,防止钱财的遗失,同时,通过使用技术后的及时反馈,也方便厂家及时有效的采集相关技术的使用情况。 By matching the balance of the user account funds with the amount of account funds set by the user, the invention enables the system to find out in time whether the customer has sufficient funds to conduct online shopping, and on the other hand, to ensure that the user has sufficient funds when making online shopping, and is not missed. On the other hand, it can protect the security of electronic accounts and prevent the loss of money. At the same time, timely feedback through the use of technology can also facilitate the timely and effective collection of relevant technologies by manufacturers.
附图说明DRAWINGS
图 1 是本发明实施例提供的一种根据电子账户资金额度匹配信息提示方法 的流程示意图 ; 1 is a schematic flow chart of a method for prompting matching information according to an electronic account fund quota according to an embodiment of the present invention;
图 2 是本发明实施例提供的提示系统的结构示意图。 FIG. 2 is a schematic structural diagram of a prompting system according to an embodiment of the present invention.
本发明的实施方式Embodiments of the invention
为了使本发明的目的、技术方案及优点更加清楚明白,以下结合附图及实施例,对本发明进行进一步详细说明。应当理解,此处所描述的具体实施例仅仅用以解释本发明,并不用于限定本发明。 The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
图 1 是发明实施例提供的一种根据电子账户资金额度匹配信息提示方法的流程示意图,为了便于说明,只示出了与本发明实施例相关的部分。 figure 1 It is a schematic flowchart of a method for prompting information matching according to an electronic account fund quota provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
在步骤 S101 中,记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息。 In step S101, the electronic account fund amount information set by the user and the current electronic account fund amount information are recorded.
记录用户设定的账户资产额度信息,需要客户根据自身日常网上购物日常费用合理估算,如果设置资金额度太低,一旦出现用户中意的商品,但购物付款中却资金不足,错失良机;如果设置资金额度太高,则经常会收到提示转账的信息,造成不必要的困扰,所以应当按照用户日常开销设定合理的资金额度。 Recording the account asset quota information set by the user requires the customer to reasonably estimate according to the daily expenses of their daily online shopping. If the set amount of funds is too low, once the user's favorite goods appear, but the purchase payment is insufficient, miss the opportunity; if the funds are set If the amount is too high, you will often receive information indicating the transfer, which will cause unnecessary troubles. Therefore, you should set a reasonable amount of funds according to the user's daily expenses.
在步骤 S102 中,读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息。 In step S102, the electronic account fund amount information set by the user and the current electronic account fund amount information are read.
在步骤 S103 中,判断当前电子账户额度是否低于用户设定的账户资金额度;若否,进入步骤 S104 ,视为资金充裕,不发出提示客户进行转账的信息;若是,进入步骤 S105 ,发出提示客户进行转账的信息,并向厂家预设的数据采集端发送技术使用数据。 In step S103, it is determined whether the current electronic account quota is lower than the account fund quota set by the user; if not, the process proceeds to step S104. As the funds are sufficient, the information indicating that the customer is transferred is not issued; if yes, the process proceeds to step S105, the information prompting the customer to transfer the money is sent, and the technical use data is sent to the data collection terminal preset by the manufacturer.
所述技术使用数据为用户使用该技术的数据,即所述方法走完前几个步骤时产生的数据,所述数据包括用户使用该技术的次数(如在一定时间内是第几次使用该技术);使用该技术的具体时间点;使用该技术前后用户的相关操作等有助于技术提供方更好的评价技术的市场价值,并根据所述反馈更好的改进技术的数据。 The technology uses data for the user to use the data of the technology, that is, the data generated when the method completes the first few steps, the data includes the number of times the user uses the technology (eg, the first time using the technology within a certain period of time) Technology); the specific time point of using the technology; the user's related operations before and after using the technology can help the technology provider to better evaluate the market value of the technology, and better improve the technical data according to the feedback.
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配,让系统能够及时发现客户是否有充足资金进行网上购物,一方面保证用户在进行网上购物时有充裕的资金,不至于错失抢购时机,另一方面又可以保障电子账户资金安全,防止钱财的遗失,同时,通过使用技术后的及时反馈,也方便厂家及时有效的采集相关技术的使用情况。 By matching the balance of the user account funds with the amount of account funds set by the user, the invention enables the system to find out in time whether the customer has sufficient funds to conduct online shopping, and on the other hand, to ensure that the user has sufficient funds when making online shopping, and is not missed. On the other hand, it can protect the security of electronic accounts and prevent the loss of money. At the same time, timely feedback through the use of technology can also facilitate the timely and effective collection of relevant technologies by manufacturers.
图 2 是本发明实施例提供的一种提示系统的结构示意图,该提示系统包括: 2 is a schematic structural diagram of a prompting system according to an embodiment of the present invention, where the prompting system includes:
记录单元 21 ,读取单元 22 ,判断单元 23 ,调控单元 24 ,数据发送单元 25 ,其中 The recording unit 21, the reading unit 22, the judging unit 23, the regulating unit 24, and the data transmitting unit 25 ,among them
记录单元 21 ,用于记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息; The recording unit 21 is configured to record the electronic account fund quota information set by the user and the current electronic account fund quota information;
读取单元 22 ,与记录单元 21 输出端向连接,用于读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息; Reading unit 22, and recording unit 21 The output terminal is connected to read the electronic account fund quota information set by the user and the current electronic account fund quota information;
判断单元 23 ,与读取单元 22 的输出端相连接,用于判断当前电子账户额度是否低于用户设定的账户资金额度; Judging unit 23, and reading unit 22 The output ends are connected to determine whether the current electronic account quota is lower than the account fund amount set by the user;
调控单元 24 ,与判断单元 23 的输出端相连接,若当前账户资金额度低于用户设定的账户资金额度时,则发出提示客户进行转账的信息; Control unit 24, and judgment unit 23 The output ends are connected, and if the current account fund amount is lower than the account fund amount set by the user, a message prompting the customer to transfer the money is issued;
数据发送单元 25 ,与所述调控单元 24 的输出端连接,用于向厂家预设的数据采集端发送技术使用数据。 a data transmitting unit 25, and the control unit 24 The output connection is used to send technical usage data to the data acquisition terminal preset by the manufacturer.
其工作原理是:记录单元 21 记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息;读取单元 22 读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息;判断单元 23 判断当前电子账户额度是否低于用户设定的账户资金额度;调控单元 24 在当前账户资金额度低于用户设定的账户资金额度时,发出提示客户进行转账的信息,同时,数据发送单元 25 向厂家预设的数据采集端发送技术使用数据。 The working principle is: the recording unit 21 records the electronic account fund quota information set by the user and the current electronic account fund quota information; the reading unit 22 reading the electronic account fund quota information set by the user and the current electronic account fund quota information; the determining unit 23 determines whether the current electronic account quota is lower than the account fund quota set by the user; the control unit 24 When the current account fund amount is lower than the account fund amount set by the user, the information prompting the customer to transfer is issued, and at the same time, the data sending unit 25 sends the technical use data to the data collection terminal preset by the manufacturer.
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配,让系统能够及时发现客户是否有充足资金进行网上购物,一方面保证用户在进行网上购物时有充裕的资金,不至于错失抢购时机,另一方面又可以保障电子账户资金安全,防止钱财的遗失,同时,通过使用技术后的及时反馈,也方便厂家及时有效的采集相关技术的使用情况。 By matching the balance of the user account funds with the amount of account funds set by the user, the invention enables the system to find out in time whether the customer has sufficient funds to conduct online shopping, and on the other hand, to ensure that the user has sufficient funds when making online shopping, and is not missed. On the other hand, it can protect the security of electronic accounts and prevent the loss of money. At the same time, timely feedback through the use of technology can also facilitate the timely and effective collection of relevant technologies by manufacturers.
以上仅为本发明的较佳实施例而已,并不用以限制本发明,凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等,均应包含在本发明的保护范围之内。 The above are only the preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the scope of the present invention. Inside.

Claims (2)

  1. 一种电子账户监控技术的数据发送方法,其特征在于,所述方法包括如下步骤: A data transmission method for an electronic account monitoring technology, characterized in that the method comprises the following steps:
    记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息;Recording the electronic account fund quota information set by the user and the current electronic account fund quota information;
    读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息;Reading the electronic account fund quota information set by the user and the current electronic account fund quota information;
    判断当前电子账户额度是否低于用户设定的账户资金额度;Determine whether the current electronic account quota is lower than the account fund amount set by the user;
    若否,视为资金充裕,不发出提示客户进行转账的信息;If not, it is considered that the funds are sufficient, and no information is sent to prompt the customer to make the transfer;
    若是,发出提示客户进行转账的信息,并向厂家预设的数据采集端发送技术使用数据。If yes, send a message prompting the customer to transfer the money, and send the technical usage data to the data collection end preset by the manufacturer.
  2. 一种提示系统,其特征在于,所述提示系统包括:A prompting system, characterized in that the prompting system comprises:
    记录单元,用于记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息;a recording unit, configured to record user-set electronic account fund quota information and current electronic account fund quota information;
    读取单元,与记录单元输出端向连接,用于读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息;The reading unit is connected to the output end of the recording unit for reading the electronic account fund quota information set by the user and the current electronic account fund quota information;
    判断单元,与读取单元的输出端相连接,用于判断当前电子账户额度是否低于用户设定的账户资金额度;The determining unit is connected to the output end of the reading unit, and is configured to determine whether the current electronic account quota is lower than the account fund quota set by the user;
    调控单元,与判断单元的输出端相连接,若当前账户资金额度低于用户设定的账户资金额度时,则发出提示客户进行转账的信息;The control unit is connected to the output end of the judging unit, and if the current account capital amount is lower than the account fund quota set by the user, the information prompting the customer to transfer the account is issued;
    数据发送单元,与所述调控单元的输出端连接,用于向厂家预设的数据采集端发送技术使用数据。The data sending unit is connected to the output end of the control unit, and is configured to send technical usage data to a data collection end preset by the manufacturer.
PCT/CN2016/072880 2016-01-29 2016-01-29 Data sending method for electronic account monitoring technique, and prompting system WO2017128319A1 (en)

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