WO2017128367A1 - Procédé d'acquisition de données pour une technologie de surveillance de points de bonus de carte de crédit, et système d'invite - Google Patents

Procédé d'acquisition de données pour une technologie de surveillance de points de bonus de carte de crédit, et système d'invite Download PDF

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Publication number
WO2017128367A1
WO2017128367A1 PCT/CN2016/072934 CN2016072934W WO2017128367A1 WO 2017128367 A1 WO2017128367 A1 WO 2017128367A1 CN 2016072934 W CN2016072934 W CN 2016072934W WO 2017128367 A1 WO2017128367 A1 WO 2017128367A1
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WO
WIPO (PCT)
Prior art keywords
credit card
user
information
credit amount
credit
Prior art date
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Ceased
Application number
PCT/CN2016/072934
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English (en)
Chinese (zh)
Inventor
郭子明
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Individual
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Individual
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Priority to PCT/CN2016/072934 priority Critical patent/WO2017128367A1/fr
Publication of WO2017128367A1 publication Critical patent/WO2017128367A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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

Definitions

  • the invention belongs to the field of intelligent finance, and provides a data collection method and a prompting system for credit card integral monitoring 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 collection method and a prompting system for credit card integral monitoring technology, which can enable the system to timely discover the credit card points of the customer by matching the current credit card credit amount information of the user with the set credit card credit amount information. It is already possible to carry out point redemption activities such as shopping, thereby stimulating consumption, improving the efficiency of credit card use and increasing the credit card income of bank financial institutions while stimulating economic growth. At the same time, timely feedback through the use of technology is also convenient for manufacturers to be timely and effective. Collect usage of related technologies.
  • the present invention is implemented as follows: a data collection method for credit card integration monitoring technology, comprising the following steps:
  • the embodiment of the invention further provides a prompting system, including:
  • 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, and if the current credit card credit amount is higher than the set credit card credit amount, the information indicating that the customer performs the point redemption activity such as shopping 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 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 improve the credit card income of bank financial institutions, and at the same time, through the use of timely feedback after the technology, it is also convenient for manufacturers to collect relevant technology in a timely and effective manner.
  • FIG. 1 is a schematic flowchart of a data collection method of a credit card integral monitoring technology according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of a data collection method of a credit card integral monitoring technology 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 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. Sending information indicating the customer to the point redemption activity such as shopping, and sending the technical usage data to the data collection end 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 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 improve the credit card income of bank financial institutions, and at the same time, through the use of timely feedback after the technology, it is also convenient for manufacturers to collect relevant technology in a timely and effective manner.
  • FIG. 2 is a schematic structural diagram of a prompting system according to an embodiment of the present invention, where the 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
  • 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 ends are connected. If the current credit card credit amount is higher than the set credit card credit amount, the customer is prompted to perform the point redemption activity such as shopping;
  • Data transmitting unit 25, and control unit 24 The output connection is used to send technical usage data to the data acquisition terminal preset by the manufacturer.
  • 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, information indicating that the customer performs a point redemption activity such as shopping is issued, and at the same time, the data transmitting unit 25 Send technical usage data to the data acquisition terminal preset by the manufacturer.
  • 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 improve the credit card income of bank financial institutions, and at the same time, through the use of timely feedback after the technology, it is also convenient for manufacturers to collect relevant technology in a timely and effective manner.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne une technologie de surveillance de points de bonus de carte de crédit, et un système d'invite dans le domaine de la finance intelligente. Le procédé consiste à : enregistrer les informations de points de bonus de carte de crédit en cours d'un utilisateur et les informations de points de bonus de carte de crédit définis (S101) ; déterminer si les points bonus de carte de crédit en cours sont supérieurs aux points bonus de carte de crédit définis (S103) ; si tel n'est pas le cas, déterminer que les points bonus de l'utilisateur ne sont pas suffisants pour un remboursement ou un achat de cadeaux, et ne pas envoyer d'informations pour inviter l'utilisateur à effectuer un remboursement de points de bonus, par exemple, l'achat (S104) ; et si oui, envoyer les informations pour inviter l'utilisateur à effectuer un remboursement de points de bonus, par exemple, l'achat, et envoyer les données d'utilisation de technologie à un terminal d'acquisition de données prédéfini par le fabricant (S105). L'invention permet d'améliorer l'efficacité d'utilisation de cartes de crédit et d'accroître les gains de cartes de crédit des institutions bancaires et financières. Pendant ce temps, au moyen d'une rétroaction opportune après utilisation de la technologie, le fabricant peut également de manière pratique, opportune et efficace, acquérir des informations d'utilisation de la technologie associée.
PCT/CN2016/072934 2016-01-30 2016-01-30 Procédé d'acquisition de données pour une technologie de surveillance de points de bonus de carte de crédit, et système d'invite Ceased WO2017128367A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072934 WO2017128367A1 (fr) 2016-01-30 2016-01-30 Procédé d'acquisition de données pour une technologie de surveillance de points de bonus de carte de crédit, et système d'invite

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072934 WO2017128367A1 (fr) 2016-01-30 2016-01-30 Procédé d'acquisition de données pour une technologie de surveillance de points de bonus de carte de crédit, et système d'invite

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WO2017128367A1 true WO2017128367A1 (fr) 2017-08-03

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PCT/CN2016/072934 Ceased WO2017128367A1 (fr) 2016-01-30 2016-01-30 Procédé d'acquisition de données pour une technologie de surveillance de points de bonus de carte de crédit, et système d'invite

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116089401A (zh) * 2023-02-17 2023-05-09 国网浙江省电力有限公司营销服务中心 用户数据管理方法及系统
CN117974225A (zh) * 2024-01-05 2024-05-03 全流量时代(北京)信息技术有限公司 一种用于银行综合平台的积分使用方法

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2007087010A (ja) * 2005-09-21 2007-04-05 Oki Electric Ind Co Ltd 自動取引装置および自動取引システム
US7418425B2 (en) * 2000-09-01 2008-08-26 Sony Corporation Information processing system, information processing method, electronic money service providing system, and recording medium
CN201174134Y (zh) * 2007-10-15 2008-12-31 中国工商银行股份有限公司 一种对银行卡积分进行处理的系统
CN102402767A (zh) * 2011-12-31 2012-04-04 广州众卡汇企业管理咨询有限公司 一种消费积分管理系统
CN102436628A (zh) * 2012-01-06 2012-05-02 田金平 商业银行积分管理系统及其方法
CN204731835U (zh) * 2015-05-27 2015-10-28 李观升 一种交易活动中消费信用积分的累计与授信平台

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7418425B2 (en) * 2000-09-01 2008-08-26 Sony Corporation Information processing system, information processing method, electronic money service providing system, and recording medium
JP2007087010A (ja) * 2005-09-21 2007-04-05 Oki Electric Ind Co Ltd 自動取引装置および自動取引システム
CN201174134Y (zh) * 2007-10-15 2008-12-31 中国工商银行股份有限公司 一种对银行卡积分进行处理的系统
CN102402767A (zh) * 2011-12-31 2012-04-04 广州众卡汇企业管理咨询有限公司 一种消费积分管理系统
CN102436628A (zh) * 2012-01-06 2012-05-02 田金平 商业银行积分管理系统及其方法
CN204731835U (zh) * 2015-05-27 2015-10-28 李观升 一种交易活动中消费信用积分的累计与授信平台

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116089401A (zh) * 2023-02-17 2023-05-09 国网浙江省电力有限公司营销服务中心 用户数据管理方法及系统
CN116089401B (zh) * 2023-02-17 2023-09-05 国网浙江省电力有限公司营销服务中心 用户数据管理方法及系统
CN117974225A (zh) * 2024-01-05 2024-05-03 全流量时代(北京)信息技术有限公司 一种用于银行综合平台的积分使用方法

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