WO2017128371A1 - Information pushing method during credit card balance monitoring and smart prompting system - Google Patents
Information pushing method during credit card balance monitoring and smart prompting system Download PDFInfo
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- WO2017128371A1 WO2017128371A1 PCT/CN2016/072938 CN2016072938W WO2017128371A1 WO 2017128371 A1 WO2017128371 A1 WO 2017128371A1 CN 2016072938 W CN2016072938 W CN 2016072938W WO 2017128371 A1 WO2017128371 A1 WO 2017128371A1
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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
- G06Q20/38—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
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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
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- the invention belongs to the field of financial intelligent services, and provides an information pushing method and an intelligent prompting system when monitoring credit card balances.
- the embodiment of the invention provides an information pushing method and an intelligent prompting system for monitoring a credit card balance, and matching the balance of the credit card credit amount of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the user has sufficient funds.
- Trading on the one hand, guarantees that users have sufficient funds when making purchases, on the other hand, it can ensure that excess funds can be placed in places with higher profits, maximize profits, and push patent information through the use of technology. Highlight the rights of the patent (application) right holder.
- the present invention is implemented as follows: a method of pushing information when monitoring a credit card balance, 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 prompting the user to transfer the account is issued;
- the information pushing unit is connected to the output end of the control unit for pushing patent information to the user.
- 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 user has sufficient funds to conduct the transaction, and on the other hand, ensures 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, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.
- 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. It is considered that the funds are sufficient, and the information prompting the user to transfer the money is not issued; if yes, the process proceeds to step S105, the information prompting the user to transfer the money is issued, and the patent information is pushed 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 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 user has sufficient funds to conduct the transaction, and on the other hand, ensures 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, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.
- 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:
- 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 end is connected, if the current credit card credit amount balance is lower than the user-set amount, then the user is prompted to transfer the information;
- the information pushing unit 25 is connected to the output end of the regulating unit 24 for pushing patent information to the user.
- 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 current credit card credit amount balance is lower than the user-set amount, the user is prompted to transfer the information, and the information pushing unit 25 pushes the patent information to the user.
- 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 user has sufficient funds to conduct the transaction, and on the other hand, ensures 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, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.
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Abstract
An information pushing method during credit card balance monitoring and a smart prompting system, relating to the field of intelligent finance services. The method comprises: recording credit card balance information set by a user and the current credit card balance information (S101); reading the credit card balance information set by the user and the current credit card balance information (S102); determining whether the current credit card balance is lower than the balance set by the user (S103); if not, determining that the balance is enough and not sending information for prompting the user to transfer money (S104); and if yes, sending the information for prompting the user to transfer money and pushing patent information to the user (S105). The method enables a system to find out, in a timely manner, whether a user has enough money to conduct a transaction, so as to ensure that the user has enough balance for purchasing and also ensure that the extra money can be used for investment to make extra earnings, thereby maximizing the earnings. Meanwhile, by means of pushing patent information after the use of the technology, the rights of the patentee can be demonstrated.
Description
本发明属于金融智能服务 领域 ，提供了一种监控信用卡余额时的信息推送方法及智能提示系统。 The invention belongs to the field of financial intelligent services, and provides an information pushing method and an intelligent prompting system when monitoring credit card balances.
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《 信用卡余额匹配信息提示的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。 In summary, in order to fully protect my other patent application (called "credit card balance matching information prompt method and intelligent reminder system"
), to maximize the value of the patent application, and propose a solution.
本发明实施例提供了一种监控信用卡余额时的信息推送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用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，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。
The embodiment of the invention provides an information pushing method and an intelligent prompting system for monitoring a credit card balance, and matching the balance of the credit card credit amount of the user with the balance of the fund amount set by the user, so that the system can timely find out whether the user has sufficient funds. Trading, on the one hand, guarantees that users have sufficient funds when making purchases, on the other hand, it can ensure that excess funds can be placed in places with higher profits, maximize profits, and push patent information through the use of technology. Highlight the rights of the patent (application) right holder.
本发明是这样实现的：一种监控信用卡余额时的信息推送方法，包括以下步骤： The present invention is implemented as follows: a method of pushing information when monitoring a credit card balance, comprising the following steps:
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； Recording the credit card credit amount balance information set by the user and the current credit card credit fund balance information;
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； Reading the credit card credit amount balance information set by the user and the current credit card credit fund balance information;
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； Determine whether the balance of the current credit card credit amount is lower than the amount set by the user;
若否，视为资金充裕，不发出提示用户进行转账的信息； If not, it is deemed to be sufficient funds, and no information is sent to prompt the user to transfer money;
若是，发出提示用户进行转账的信息，并向用户推送专利信息。 If so, a message prompting the user 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智能提示系统，包括： The embodiment of the invention further provides an intelligent prompting system, comprising:
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； a recording unit, configured to record credit balance credit amount balance information set by the user and current credit card credit fund balance 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；
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;
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；
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;
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，则发出提示用户进行转账的信息；
The control unit is connected to the output end of the judging unit, and if the current balance of the credit card credit fund balance is lower than the amount set by the user, the information prompting the user to transfer the account is issued;
信息推送单元，与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.
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用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，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。
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 user has sufficient funds to conduct the transaction, and on the other hand, ensures 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, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.
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 ； 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.
图 2 是本发明实施例提供的智能提示系统的结构示意图。 FIG. 2 is a schematic structural diagram of an intelligent prompting system according to an embodiment of the present 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。 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.
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。 In step S101
The credit card credit amount balance information set by the user and the current credit card credit fund balance information are recorded.
记录用户设定的信用卡授信资金额度余额信息，需要用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。
Recording the balance information of the credit card credit amount set by the user, the user needs to reasonably estimate according to the daily credit card usage. If the set balance is too low, once the user's favorite goods appear, but the purchase payment is insufficient, the opportunity is missed; if set If the balance of the quota is too high, the information indicating the transfer will often be received, causing unnecessary troubles. Therefore, a reasonable credit balance should be set according to the user's daily expenses.
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。 At step S102
The user credit card credit balance information and the current credit card credit balance information are read.
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，不发出提示用户进行转账的信息；若是，进入步骤 S105 ，发出提示用户进行转账的信息，并向用户推送专利信息。 In step S103, it is determined whether the current credit card credit amount balance is lower than the amount set by the user; if not, the process proceeds to step S104.
It is considered that the funds are sufficient, and the information prompting the user to transfer the money is not issued; if yes, the process proceeds to step S105, the information prompting the user 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用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，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。
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 user has sufficient funds to conduct the transaction, and on the other hand, ensures 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, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.
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： 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:
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； 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;
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； 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;
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； 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;
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，则发出提示用户进行转账的信息； Control unit 24, and judgment unit 23
The output end is connected, if the current credit card credit amount balance is lower than the user-set amount, then the user is prompted to transfer the information;
信息推送单元 25, 与调控单元 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 regulating 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，发出提示用户进行转账的信息，同时，信息推送单元 25 向用户推送专利信息。 Its working principle is: 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 current credit card credit amount balance is lower than the user-set amount, the user is prompted to transfer the information, and the information pushing unit 25 pushes the patent information to the user.
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用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，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。
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 user has sufficient funds to conduct the transaction, and on the other hand, ensures 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, the income is maximized, and the patent information is applied after the technology is used to highlight the rights of the patent (applicant) right holder.
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)
- 一种监控信用卡余额时的信息推送方法，其特征在于，所述方法包括如下步骤： A method for pushing information when monitoring a credit card balance, characterized in that the method comprises the following steps: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；Recording the credit card credit amount balance information set by the user and the current credit card credit fund balance information;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；Reading the credit card credit amount balance information set by the user and the current credit card credit fund balance information;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；Determine whether the balance of the current credit card credit amount is lower than the amount set by the user;若否，视为资金充裕，不发出提示用户进行转账的信息；If not, it is deemed to be sufficient funds, and no information is sent to prompt the user to transfer money;若是，发出提示用户进行转账的信息，并向用户推送专利信息。If so, a message prompting the user to make a transfer is issued and the patent information is pushed to the user.
- 一种智能提示系统，其特征在于，所述智能提示系统包括：A smart reminder system, characterized in that the smart reminding system comprises: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；a recording unit, configured to record credit balance credit amount balance information set by the user and current credit card credit fund balance 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；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;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；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;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，则发出提示用户进行转账的信息；The control unit is connected to the output end of the judging unit, and if the current balance of the credit card credit fund balance is lower than the amount set by the user, the information prompting the user to transfer the account is issued;信息推送单元，与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.
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| PCT/CN2016/072938 WO2017128371A1 (en) | 2016-01-30 | 2016-01-30 | Information pushing method during credit card balance monitoring and smart prompting system |
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