WO2017128370A1 - 监控信用开余额技术的数据统计方法及智能提示系统 - Google Patents

监控信用开余额技术的数据统计方法及智能提示系统 Download PDF

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Publication number
WO2017128370A1
WO2017128370A1 PCT/CN2016/072937 CN2016072937W WO2017128370A1 WO 2017128370 A1 WO2017128370 A1 WO 2017128370A1 CN 2016072937 W CN2016072937 W CN 2016072937W WO 2017128370 A1 WO2017128370 A1 WO 2017128370A1
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credit card
user
balance
credit
data
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PCT/CN2016/072937
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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/CN2016/072937 priority Critical patent/WO2017128370A1/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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • the invention belongs to the field of financial intelligent service, and provides a data statistical method and an intelligent prompting system for monitoring credit opening balance technology.
  • 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.
  • the inventions of the two companies about 80% of the total number of invention patents related to user experience and direct user operations.
  • similar patent applications, including other companies based on user experience are also of a large order of magnitude, such as Huawei.
  • 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.
  • core technologies such as CDMA underlying technology
  • 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.
  • the embodiment of the invention provides a data statistics method and an intelligent prompting system for monitoring the credit opening balance technology, and the system can timely find out whether the customer has sufficient by matching the balance of the credit card credit amount of the user with the balance of the fund amount set by the user.
  • the funds are traded to ensure that the users have sufficient funds when making purchases, and on the other hand, they can ensure that the excess funds can be placed in places with higher profits, maximize the benefits, and timely feedback through the use of technology. It also facilitates the timely and effective collection of relevant technologies by manufacturers.
  • the present invention is implemented as follows: a data statistics method for monitoring a credit open balance technique, comprising the following steps:
  • the embodiment of the invention further provides an intelligent prompting system, comprising:
  • a recording unit configured to record credit balance credit amount balance information set by the user and current credit card credit fund balance information
  • the reading unit is connected to the output end of the recording unit, and is configured to read the credit card credit amount balance information set by the user and the current credit card credit fund balance 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 balance is lower than a quota set by the user;
  • the control unit is connected to the output end of the judging unit, and if the current balance of the credit card credit fund balance is lower than the amount set by the user, the information indicating that the customer is transferred is issued;
  • the data sending unit is connected to the output end of the control unit, and is configured to send the technical use data to the data collection end preset by the manufacturer.
  • the invention matches the balance of the credit line credit line of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the client has sufficient funds for the transaction, on the one hand, ensuring that the user has sufficient funds when making the shopping, on the other hand, It can also ensure that the excess funds can be placed in places where the income is higher, and the benefits can be maximized.
  • timely feedback through the use of technology can also facilitate the timely and effective collection of relevant technologies by the manufacturers.
  • FIG. 1 is a schematic flowchart of a method for prompting matching information according to a credit card credit line balance 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 a method for prompting matching information according to a credit card credit fund balance 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.
  • step S101 The credit card credit amount balance information set by the user and the current credit card credit fund balance information are recorded.
  • step S102 The user credit card credit balance information and the current credit card credit balance information are read.
  • step S103 it is determined whether the current credit card credit amount balance is lower than the amount 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.
  • 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.
  • the invention matches the balance of the credit line credit line of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the client has sufficient funds for the transaction, on the one hand, ensuring that the user has sufficient funds when making the shopping, on the other hand, It can also ensure that the excess funds can be placed in places where the income is higher, and the benefits can be maximized.
  • timely feedback through the use of technology can also facilitate the timely and effective collection of relevant technologies by the manufacturers.
  • 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, the reading unit 22, the judging unit 23, the regulating unit 24, and the data transmitting unit 25 among them
  • Recording unit 21 For recording the credit card credit amount balance information set by the user and the current credit card credit fund balance information
  • Reading unit 22, and recording unit 21 The output terminal is connected to read credit balance credit amount balance information set by the user and current credit card credit fund balance information;
  • Judging unit 23, and reading unit 22 The output ends are connected to determine whether the current balance of credit card credit funds is lower than the amount set by the user;
  • Control unit 24, and judgment unit 23 The output ends are connected. If the current credit card credit balance is lower than the amount set by the user, a message prompting the customer to transfer the money is issued;
  • Data transmitting unit 25, and control unit 24 The outputs are connected to send technical usage data to the data acquisition terminal preset by the manufacturer.
  • recording unit 21 Recording credit card credit amount balance information set by the user and current credit card credit amount balance information; reading unit 22 The credit card credit amount balance information set by the user and the current credit card credit fund balance information are read; the determining unit 23 determines whether the current credit card credit fund balance is lower than the user-set quota; the adjusting unit 24 When the balance of the current credit card credit fund balance is lower than the amount set by the user, the information prompting the customer to transfer the money is issued, and at the same time, the data sending unit 25 sends the technical use data to the data collection end preset by the manufacturer.
  • the invention matches the balance of the credit line credit line of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the client has sufficient funds for the transaction, on the one hand, ensuring that the user has sufficient funds when making the shopping, on the other hand, It can also ensure that the excess funds can be placed in places where the income is higher, and the benefits can be maximized.
  • timely feedback through the use of technology can also facilitate the timely and effective collection of relevant technologies by the manufacturers.

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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  • Development Economics (AREA)
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Abstract

一种监控信用卡余额技术的数据统计方法及智能提示系统，属于金融智能服务领域，所述方法包括：记录用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息（S101）；读取用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息（S102）；判断当前信用卡授信资金额度余额是否低于用户设定的额度（S103）；若否，视为资金充裕，不发出提示客户进行转账的信息（S104）；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（S105）。该方法一方面保证用户在进行购物时有充裕的资金，另一方面又可以保证多余资金可以放在产生收益更高的地方，实现收益的最大化，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。

Description

监控信用开余额技术的数据统计方法及智能提示系统 技术领域
本发明属于金融智能服务 领域 ，提供了一种监控信用开余额技术的数据统计方法及智能提示系统。
背景技术
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。
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。
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。
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《 信用卡余额匹配信息提示的方法及智能提示系统 》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。
 技术问题
本发明实施例提供了一种监控信用开余额技术的数据统计方法及智能提示系统，通过将用户信用卡授信额度资金余额与用户设定的资金额度余额相匹配，让系统能够及时发现客户是否有充足资金进行交易，一方面保证用户在进行购物时有充裕的资金，另一方面又可以保证多余资金可以放在产生收益更高的地方，实现收益的最大化，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。
技术解决方案
本发明是这样实现的：一种监控信用开余额技术的数据统计方法，包括以下步骤：
记录用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
读取用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
判断当前信用卡授信资金额度余额是否低于用户设定的额度；
若否，视为资金充裕，不发出提示客户进行转账的信息；
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。
本发明实施例还提供了一种智能提示系统，包括：
记录单元，用于记录用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
读取单元，与记录单元输出端向连接，用于读取用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
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授信资金额度余额是否低于用户设定的额度；
调控单元，与判断单元的输出端相连接，若当前信用卡授信资金额度余额低于用户设定的额度时，则发出提示客户进行转账的信息；
数据发送单元，与调控单元的输出端相连接，用于向厂家预设的数据采集端发送技术使用数据。
 有益效果
该发明通过将用户信用卡授信额度资金余额与用户设定的资金额度余额相匹配，让系统能够及时发现客户是否有充足资金进行交易，一方面保证用户在进行购物时有充裕的资金，另一方面又可以保证多余资金可以放在产生收益更高的地方，实现收益的最大化，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。
附图说明
图 1 是本发明实施例提供的一种根据信用卡授信资金额度余额匹配信息提示方法 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根据信用卡授信资金额度余额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。
在步骤 S101 中，记录用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息。
记录用户设定的信用卡授信资金额度余额信息，需要客户根据自身日常信用卡使用情况合理估算，如果设置额度余额太低，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；如果设置额度余额太高，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授信资金额度余额。
在步骤 S102 中，读取用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息。
在步骤 S103 中，判断当前信用卡授信资金额度余额是否低于用户设定的额度；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。
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。
该发明通过将用户信用卡授信额度资金余额与用户设定的资金额度余额相匹配，让系统能够及时发现客户是否有充足资金进行交易，一方面保证用户在进行购物时有充裕的资金，另一方面又可以保证多余资金可以放在产生收益更高的地方，实现收益的最大化，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。
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 ，数据发送单元 25 ，其中
记录单元 21 ，用于记录用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
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信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
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授信资金额度余额是否低于用户设定的额度；
调控单元 24 ，与判断单元 23 的输出端相连接，若当前信用卡授信资金额度余额低于用户设定的额度时，则发出提示客户进行转账的信息；
数据发送单元 25 ，与调控单元 24 的输出端相连接，用于向厂家预设的数据采集端发送技术使用数据。
其工作原理是：记录单元 21 记录用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；读取单元 22 读取用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；判断单元 23 判断当前信用卡授信资金额度余额是否低于用户设定的额度；调控单元 24 在当前信用卡授信资金额度余额低于用户设定的额度时，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。
该发明通过将用户信用卡授信额度资金余额与用户设定的资金额度余额相匹配，让系统能够及时发现客户是否有充足资金进行交易，一方面保证用户在进行购物时有充裕的资金，另一方面又可以保证多余资金可以放在产生收益更高的地方，实现收益的最大化，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。
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. 一种监控信用开余额技术的数据统计方法，其特征在于，所述方法包括如下步骤：
    记录用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
    读取用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
    判断当前信用卡授信资金额度余额是否低于用户设定的额度；
    若否，视为资金充裕，不发出提示客户进行转账的信息；
    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。
  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，用于记录用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
    读取单元，与记录单元输出端向连接，用于读取用户设定的信用卡授信资金额度余额信息和当前信用卡授信资金额度余额信息；
    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授信资金额度余额是否低于用户设定的额度；
    调控单元，与判断单元的输出端相连接，若当前信用卡授信资金额度余额低于用户设定的额度时，则发出提示客户进行转账的信息；
    数据发送单元，与调控单元的输出端相连接，用于向厂家预设的数据采集端发送技术使用数据。
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