WO2017128320A1 - Information reminding method for use when monitoring electronic account capital, and prompting system - Google Patents

Information reminding method for use when monitoring electronic account capital, and prompting system Download PDF

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Publication number
WO2017128320A1
WO2017128320A1 PCT/CN2016/072881 CN2016072881W WO2017128320A1 WO 2017128320 A1 WO2017128320 A1 WO 2017128320A1 CN 2016072881 W CN2016072881 W CN 2016072881W WO 2017128320 A1 WO2017128320 A1 WO 2017128320A1
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Prior art keywords
information
user
electronic account
prompting
quota
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PCT/CN2016/072881
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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/CN2016/072881 priority Critical patent/WO2017128320A1/en
Publication of WO2017128320A1 publication Critical patent/WO2017128320A1/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

An information reminding method for use when monitoring electronic account capital, and a prompting system, falling within the field of Internet finance. The method comprises: recording electronic account capital limit information set by a user and current electronic account capital limit information (S101); determining whether a current electronic account capital limit is less than an account capital limit set by the user (S103); if not, it being thought that there is enough money, and not sending information for prompting a client to transfer money, and pushing patent information to the user (S104); and if so, sending the information for prompting the client to transfer money, and pushing the patent information to the user (S105). The method and system can ensure that a user has enough money when purchasing goods online, without missing a panic buying opportunity, and can also guarantee the capital security of an electronic account and prevent the loss of money. The rights and interests of a patentee (applicant) are highlighted by pushing patent information after the adoption of the technique.

Description

电子账户资金监控时的信息提醒方法及提示系统  Information reminding method and prompting system for electronic account fund monitoring 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资金监控时的信息提醒方法及提示系统。  The invention belongs to the field of internet finance, and provides an information reminding method and a prompting system when the electronic account funds are monitored.
背景技术Background technique
知识产权在现在的产品和服务中越来越重要,其中主要包括著作权(版权)、商标权和专利权,这三种权利都能为权利人带来巨大的经济价值。 Intellectual property is becoming more and more important in current products and services, including copyright (copyright), trademark and patent rights, all of which can bring enormous economic value to rights holders.
但与著作权、商标权不同的是,专利权的权利归属比较难以为用户所认识和辨别。比如:一个培训教材或者一部电影里面,会明确的将'版权归特定人所有'的字样告知给用户;商标也以其显著的字或图的特征,在与其他标样区别的同时,也代表着商标权人以及商标权人生产的相关产品。但专利则不然,除了如'滑动解锁'等有限几个专利外,用户很难看到某一技术就知道该技术的信息(即技术发明人、专利申请人等专利信息)。 However, unlike copyright and trademark rights, the ownership of patent rights is more difficult to recognize and discern. For example, in a training material or a movie, the words “copyright belongs to a specific person” will be clearly notified to the user; the trademark is also distinguished from other standards by its distinctive words or figures. Represents the related products produced by the trademark owner and the trademark owner. However, patents are not. In addition to a limited number of patents such as 'sliding and unlocking', it is difficult for users to see the information of a certain technology (ie, patent inventors, patent applicants, etc.).
这种情况所带来的严重后果是: The serious consequences of this situation are:
1 、专利权的保护难度大,一项好的技术出来后,马上就被复制; 1. The protection of patent rights is difficult. Once a good technology comes out, it will be copied immediately;
2 、专利权/申请人通过专利彰显自己的产品特色的效果差,因为用户也分不清楚某一技术与专利权/申请人的联系。 2 The patent/applicant's effect of showing its own product features through patents is poor, because the user is also unclear about the connection between a certain technology and the patent/applicant.
综上,为充分保护本人的另外一个专利申请(名为《 根据电子账户资金额度匹配信息提示的方法及提示系统 》 ),让该本人的专利申请价值最大化, 特提出一个解决办法。 In summary, in order to fully protect my other patent application (called "method and prompt system for matching information prompts based on the amount of funds in the electronic account" ), to maximize the value of the patent application, and propose a solution.
技术问题technical problem
本发明实施例提供了一种电子账户资金监控时的信息提醒方法及提示系统,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,并通过使用技术后推送专利信息,而彰显了专利(申请)权人的权益。 The embodiment of the invention provides an information reminding method and a prompting system for monitoring funds of an electronic account, 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 carry out 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, prevent the loss of money, and push the patent information after using technology. The rights of the patent (applicant) right holder.
技术解决方案Technical solution
本发明是这样实现的:一种电子账户资金监控时的信息提醒方法,包括以下步骤: The present invention is implemented as follows: an information reminding method for monitoring funds in an electronic account, 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,并向用户推送专利信息。 If so, a message prompting the customer to make a transfer is issued and the patent information is pushed to the user.
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;
信息推送单元,与所述调控单元的输出端连接,用于向用户推送专利信息。 The information pushing unit is connected to the output end of the control unit for pushing patent information to the user.
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,并通过使用技术后推送专利信息,而彰显了专利(申请)权人的权益。 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, the opportunity to snap up, on the other hand, can protect the security of electronic accounts, prevent the loss of money, and use patents to push patent information, which highlights the rights of patent (application) holders.
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,并向用户推送专利信息。 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. It is considered that the funds are sufficient, and no information is sent to prompt the customer to transfer the money; if so, the process proceeds to step S105, and the information prompting the customer to transfer the money is issued, and the patent information is pushed to the user.
所述专利信息包括但不限于:该技术的专利申请状态,该技术的专利申请 / 权利人、该技术的专利申请号、专利申请日等信息。 The patent information includes, but is not limited to, the state of patent application of the technology, the patent application of the technology / Information on the right holder, the patent application number of the technology, the patent application date, and the like.
所述专利信息是可编辑的,可以根据专利申请的授权与否,向用户动态推送:正在申请专利、已获得专利授权等信息。 The patent information is editable, and can be dynamically pushed to the user according to the authorization of the patent application: the patent is being applied for, the patent authorization has been obtained, and the like.
所述专利信息是可编辑的,可以根据专利申请权 / 专利权的转让情况,向用户动态推送:该专利的当前相关的权利人。 The patent information is editable and can be based on patent application rights / The transfer of patent rights, dynamically pushed to the user: the current relevant rights holder of the patent.
所述专利信息的推送方式,可以采取小框显示、语音显示等让用户能够感知的推送方式。 The pushing manner of the patent information may adopt a small frame display, a voice display, and the like, so that the user can perceive the push mode.
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,并通过使用技术后推送专利信息,而彰显了专利(申请)权人的权益。 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, the opportunity to snap up, on the other hand, can protect the security of electronic accounts, prevent the loss of money, and use patents to push patent information, which highlights the rights of patent (application) holders.
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 ,信息推送单元 25 ,其中 The recording unit 21, the reading unit 22, the judging unit 23, the regulating unit 24, and the information pushing 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;
信息推送单元 25 ,与所述调控单元 24 的输出端连接,用于向用户推送专利信息。 The information pushing unit 25 is connected to the output end of the control unit 24 for pushing patent information to the user.
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,信息推送单元 25 向用户推送专利信息。 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 make the transfer is issued, and the information pushing unit 25 pushes the patent information to the user.
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,并通过使用技术后推送专利信息,而彰显了专利(申请)权人的权益。 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, the opportunity to snap up, on the other hand, can protect the security of electronic accounts, prevent the loss of money, and use patents to push patent information, which highlights the rights of patent (application) holders.
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. 一种电子账户资金监控时的信息提醒方法,其特征在于,所述方法包括如下步骤: An information reminding method for monitoring funds in an electronic account, 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,并向用户推送专利信息。If so, a message prompting the customer to make a transfer is issued and the patent information is pushed to the user.
  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;
    信息推送单元,与所述调控单元的输出端连接,用于向用户推送专利信息。The information pushing unit is connected to the output end of the control unit for pushing patent information to the user.
PCT/CN2016/072881 2016-01-29 2016-01-29 Information reminding method for use when monitoring electronic account capital, and prompting system WO2017128320A1 (en)

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