WO2017128368A1 - 信用卡积分监控时的信息推送方法及智能提示系统 - Google Patents

信用卡积分监控时的信息推送方法及智能提示系统 Download PDF

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Publication number
WO2017128368A1
WO2017128368A1 PCT/CN2016/072935 CN2016072935W WO2017128368A1 WO 2017128368 A1 WO2017128368 A1 WO 2017128368A1 CN 2016072935 W CN2016072935 W CN 2016072935W WO 2017128368 A1 WO2017128368 A1 WO 2017128368A1
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credit card
information
user
credit
credit amount
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PCT/CN2016/072935
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English (en)
French (fr)
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郭子明
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郭子明
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Priority to PCT/CN2016/072935 priority Critical patent/WO2017128368A1/zh
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

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  • the invention belongs to the field of intelligent finance, and provides an information pushing method and an intelligent prompting system for credit card integral monitoring.
  • the embodiment of the invention provides an information pushing method and an intelligent prompting system for credit card integral monitoring, which can enable the system to discover the customer's credit card points in time by matching the current credit card credit amount information of the user with the set credit card credit amount information. Whether it is possible to carry out point redemption activities such as shopping, thereby stimulating consumption, while driving economic growth, improving the efficiency of the use of credit cards, increasing the credit card income of bank financial institutions, and using patents to push patent information to highlight patents (applications) The rights of the right holder.
  • the present invention is implemented as follows: a method for pushing information during credit card integration monitoring, comprising the following steps:
  • the embodiment of the invention further provides an intelligent prompting system, comprising:
  • a recording unit configured to record the current credit card credit amount information of the user and the set credit card credit amount information
  • a reading unit connected to the output end of the recording unit, for reading the current credit card credit amount information of the user and the set credit card credit amount information;
  • the determining unit is connected to the output end of the reading unit, and is configured to determine whether the current credit card credit amount is higher than the set credit card credit amount;
  • the control unit is connected to the output end of the judging unit, if the current credit card credit amount is higher than the set credit card credit amount;
  • the information pushing unit is connected to the output end of the control unit for issuing information prompting the customer to perform a point redemption activity such as shopping.
  • the invention can match the current credit card credit amount information of the user with the set credit card credit amount information, so that the system can timely find out whether the customer's credit card credits can be used for shopping and other points redemption activities, thereby stimulating consumption and driving economic growth.
  • improve the efficiency of the use of credit cards increase the credit card income of bank financial institutions, and use patents to push patent information to highlight the rights of patent (application) holders.
  • FIG. 1 is a schematic flowchart of a method for pushing information during credit card integral monitoring according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of an intelligent prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of the information pushing method in the credit card integral monitoring provided by the embodiment of the present invention. For the convenience of description, only the parts related to the embodiment of the present invention are shown.
  • step S101 the user's current credit card credit amount information and the set credit card credit amount information are recorded.
  • Recording the credit card credit amount information set by the user is determined by the customer according to their own card swiping situation. If the customer frequently uses the credit card and has more points, the set credit amount should be set higher, otherwise the prompt information will be received frequently. It affects normal life. If the customer does not use the credit card frequently and the points are small, the corresponding reminder amount should also be set. Because the point redemption has a limitation period, once it expires, it can no longer be used.
  • step S102 the current credit card credit amount information of the user and the set credit card credit amount information are read.
  • step S103 it is determined whether the current credit card credit amount is higher than the set credit card credit limit; if not, proceed to step S104. It is considered that the customer credit is not enough to redeem the item and consume, and does not issue information indicating that the customer performs the redemption of the point of purchase, etc.; if yes, proceeds to step S105. A message prompting the customer to perform a point redemption activity such as shopping, and pushing the patent information to the user.
  • 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.
  • 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.
  • 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.
  • 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.
  • the invention can match the current credit card credit amount information of the user with the set credit card credit amount information, so that the system can timely find out whether the customer's credit card credits can be used for shopping and other points redemption activities, thereby stimulating consumption and driving economic growth.
  • improve the efficiency of the use of credit cards increase the credit card income of bank financial institutions, and use patents to push patent information to highlight the rights of patent (application) holders.
  • FIG. 2 is a schematic structural diagram of an intelligent prompting system according to an embodiment of the present invention, where the smart prompting system includes:
  • the recording unit 21 is configured to record the current credit card credit amount information of the user and the set credit card credit amount information
  • Reading unit 22, and recording unit 21 The output end is connected for reading the current credit card credit amount information of the user and the set credit card credit amount information;
  • Judging unit 23, and reading unit 22 The output ends are connected to determine whether the current credit card credit amount is higher than the set credit card credit amount;
  • Control unit 24, and judgment unit 23 The output terminals are connected if the current credit card credit amount is higher than the set credit card credit amount;
  • Information push unit 25, and control unit 24 The outputs are connected to send out information prompting the customer to perform a point redemption activity such as shopping.
  • the working principle is: the recording unit 21 records the current credit card credit amount information of the user and the set credit card credit amount information; the reading unit 22 Reading the current credit card credit amount information of the user and the set credit card credit amount information; the determining unit 23 determines whether the current credit card credit amount is higher than the set credit card credit amount; the adjusting unit 24 When the current credit card credit amount is higher than the set credit card credit amount, the customer is prompted to perform the credit redemption activity such as shopping, and the information push unit 25 pushes the patent information to the user.
  • the invention can match the current credit card credit amount information of the user with the set credit card credit amount information, so that the system can timely find out whether the customer's credit card credits can be used for shopping and other points redemption activities, thereby stimulating consumption and driving economic growth.
  • improve the efficiency of the use of credit cards increase the credit card income of bank financial institutions, and use patents to push patent information to highlight the rights of patent (application) holders.

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  • Engineering & Computer Science (AREA)
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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
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  • Signal Processing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Technology Law (AREA)
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  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

一种智能金融领域中信用卡积分监控时的信息推送方法及智能提示系统，所述方法包括：记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息（S101）；判断当前信用卡积分额度是否高于设定的信用卡积分额度（S103）；若否，视为客户积分不足以兑换物品和进行消费，不发出提示客户进行购物等积分兑换的信息（S104）；若是，发出提示客户进行购物等积分兑换活动的信息，并向用户推送专利信息（S105）。通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益，并通过使用技术后推送专利信息，而彰显专利权人的权益。

Description

信用卡积分监控时的信息推送方法及智能提示系统 技术领域
本发明属于智能金融 领域 ，提供了一种信用卡积分监控时的信息推送方法及智能提示系统。
 背景技术
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。
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）。
这种情况所带来的严重后果是：
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；
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。
综上，为充分保护本人的另外一个专利申请（名为《 根据信用卡积分额度匹配提示方法及智能提示系统 》 ），让该本人的专利申请价值最大化， 特提出一个解决办法。
 技术问题
本发明实施例提供了一种信用卡积分监控时的信息推送方法及智能提示系统，能够通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益，并通过使用技术后推送专利信息，而彰显专利（申请）权人的权益。
技术解决方案
本发明是这样实现的：一种信用卡积分监控时的信息推送方法，包括以下步骤：
记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
判断当前信用卡积分额度是否高于设定的信用卡积分额度；
若否，视为客户积分不足以兑换物品和进行消费，不发出提示客户进行购物等积分兑换的信息；
若是，发出提示客户进行购物等积分兑换活动的信息，并向用户推送专利信息。
本发明实施例还提供了一种智能提示系统，包括：
记录单元，用于记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
读取单元，与记录单元的输出端相连接，用于读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
判断单元，与读取单元的输出端相连接，用于判断当前信用卡积分额度是否高于设定的信用卡积分额度；
调控单元，与判断单元的输出端相连接，若当前信用卡积分额度高于设定的信用卡积分额度；
信息推送单元，与调控单元的输出端相连接，用于发出提示客户进行购物等积分兑换活动的信息。
 有益效果
该发明能够通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益，并通过使用技术后推送专利信息，而彰显专利（申请）权人的权益。
附图说明
图 1 是本发明实施例提供的一种信用卡积分监控时的信息推送方法 的流程示意图 ；
图 2 是本发明实施例提供的智能提示系统的结构示意图。
 本发明的实施方式
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。
图 1 是发明实施例提供的一种信用卡积分监控时的信息推送方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。
在步骤 S101 中，记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息。
记录用户设定的信用卡积分额度信息，是由客户根据自身的刷卡情况而确定，如果客户经常使用信用卡，积分较多，就应该设定的提示积分额度较高，否则将会经常收到提示信息，影响正常生活，如果客户不经常使用信用卡，积分较少，也应设置相应的提示额度，因为积分兑换都有时效期，一旦过期便不能再使用。
在步骤 S102 中，读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息。
在步骤 S103 中，判断当前信用卡积分额度是否高于设定的信用卡积分额度；若否，进入步骤 S104 ，视为客户积分不足以兑换物品和进行消费，不发出提示客户进行购物等积分兑换的信息；若是，进入步骤 S105 ，发出提示客户进行购物等积分兑换活动的信息，并向用户推送专利信息。
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。
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。
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。
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。
该发明能够通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益，并通过使用技术后推送专利信息，而彰显专利（申请）权人的权益。
图 2 是本发明实施例提供的一种智能提示系统的结构示意图，该智能提示系统包括：
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
记录单元 21 ，用于记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
读取单元 22 ，与记录单元 21 的输出端相连接，用于读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
判断单元 23 ，与读取单元 22 的输出端相连接，用于判断当前信用卡积分额度是否高于设定的信用卡积分额度；
调控单元 24 ，与判断单元 23 的输出端相连接，若当前信用卡积分额度高于设定的信用卡积分额度；
信息推送单元 25 ，与调控单元 24 的输出端相连接，用于发出提示客户进行购物等积分兑换活动的信息。
其工作原理是：记录单元 21 记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；读取单元 22 读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；判断单元 23 判断当前信用卡积分额度是否高于设定的信用卡积分额度；调控单元 24 在当前信用卡积分额度高于设定的信用卡积分额度时，发出提示客户进行购物等积分兑换活动的信息，同时，信息推送单元 25 向用户推送专利信息。
该发明能够通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益，并通过使用技术后推送专利信息，而彰显专利（申请）权人的权益。
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。

Claims (2)

  1. 一种信用卡积分监控时的信息推送方法，其特征在于，所述方法包括如下步骤：
    记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
    读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
    判断当前信用卡积分额度是否高于设定的信用卡积分额度；
    若否，视为客户积分不足以兑换物品和进行消费，不发出提示客户进行购物等积分兑换的信息；
    若是，发出提示客户进行购物等积分兑换活动的信息，并向用户推送专利信息。
  2. 一种智能提示系统，其特征在于，所述智能提示系统包括：
    记录单元，用于记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
    读取单元，与记录单元的输出端相连接，用于读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
    判断单元，与读取单元的输出端相连接，用于判断当前信用卡积分额度是否高于设定的信用卡积分额度；
    调控单元，与判断单元的输出端相连接，若当前信用卡积分额度高于设定的信用卡积分额度；
    信息推送单元，与调控单元的输出端相连接，用于发出提示客户进行购物等积分兑换活动的信息。
PCT/CN2016/072935 2016-01-30 2016-01-30 信用卡积分监控时的信息推送方法及智能提示系统 WO2017128368A1 (zh)

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