本发明属于金融智能服务 领域 ，提供了一种信用卡余额匹配信息提示的方法及智能提示系统。 The invention belongs to the field of financial intelligent service, and provides a method for matching credit card balance information and a smart reminding system.
信用卡现在已经成为人们的日常支付手段，通过信用卡进行交易，不仅可以保证交易的快捷方便，降低了人们携带随身大量现金的必要性，还能减少购物时获得大量零钞的现象，不至于被零钞或硬币大量挤占钱包空间，保证交易的便捷，虽然信用卡使用非常方便，但在刷卡消费时只是提示消费了多少资金，对于本月剩余多少资金并没有明确的概念，在日常消费中，就会出现很多尴尬局面：Credit cards have now become a daily payment method for people. Trading on credit cards not only ensures the quick and convenient transaction, but also reduces the need for people to carry large amounts of cash with them. It also reduces the phenomenon of obtaining a large amount of banknotes when shopping, and is not zero. Banknotes or coins crowd the wallet space to ensure the convenience of the transaction. Although the credit card is very convenient to use, it only prompts how much money is spent when the card is consumed. There is no clear concept about how much money is left in the month. In daily consumption, There are many embarrassing situations:
1、选好所购商品，但是在刷卡消费时，却发现余额不够，但随身携带现金又不足以支付货款，只能放弃购物，不仅浪费大量时间，而且降低客户体验； 1I chose the purchased goods, but when I swiped the card, I found that the balance was not enough, but carrying cash was not enough to pay for the goods. I could only give up shopping, not only wasting a lot of time, but also reducing the customer experience;
2、为保证消费，在信用卡中存入大量现金，虽然满足了消费的需要，但是信用卡内属于活期存款，收益不高。 2In order to ensure consumption, a large amount of cash is deposited in the credit card. Although the demand for consumption is satisfied, the credit card is a demand deposit, and the income is not high.
综上，需要对既有信用卡系统进行适当的改造，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。In summary, it is necessary to make appropriate modifications to the existing credit card system, by matching the balance of the credit card credit line of the user with the balance of the funds set by the user, so that the system can timely find out whether the customer has sufficient funds for the transaction, and on the other hand, guarantee the user. There is ample money in shopping, and on the other hand, it can ensure that excess funds can be placed in places where income is higher, and the benefits are maximized.
本发明实施例提供了一种信用卡余额匹配信息提示的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。The embodiment of the invention provides a credit card balance matching information prompting method and an intelligent prompting system. By matching the credit balance of the credit card credit of the user with the balance of the fund amount set by the user, the system can timely find out whether the customer has sufficient funds to carry out Trading, on the one hand, ensures that users have sufficient funds when making purchases, and on the other hand, it can ensure that excess funds can be placed in places with higher returns and maximize returns.
本发明是这样实现的：一种信用卡余额匹配信息提示的方法，包括以下步骤： The present invention is implemented in such a manner that a credit card balance matching information prompt includes 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。 If yes, send a message prompting the customer to make a transfer.
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 credit card credit amount balance is lower than the amount set by the user, the information prompting the customer to transfer is issued.
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。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 excess funds can be placed in places where higher returns are generated, and the benefits can be maximized.
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 1It 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 S101The 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。Recording the balance information of the credit card credit amount set by the user, the customer 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 S102The 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。 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 no information is sent to prompt the customer to transfer the money; if yes, the process proceeds to step S105, and the information prompting the customer to make the transfer is issued.
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。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 excess funds can be placed in places where higher returns are generated, and the benefits can be maximized.
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 ，其中 a recording unit 21, a reading unit 22, a judging unit 23, and a regulating unit 24, wherein
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 21For 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 21The 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 22The 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，则发出提示客户进行转账的信息。 Control unit 24, and judgment unit 23The output ends are connected. If the current credit card credit amount balance is lower than the user-defined amount, a message prompting the customer to transfer the money is issued.
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。 Its working principle is: recording unit 21Recording credit card credit amount balance information set by the user and current credit card credit amount balance information; reading unit 22The 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 24When the current credit card credit limit is lower than the amount set by the user, the customer is prompted to transfer the information.
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。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 excess funds can be placed in places where higher returns are generated, and the benefits can be maximized.
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.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2016/072939WO2017128372A1 (en) | 2016-01-30 | 2016-01-30 | Method for prompting credit card balance matching information and intelligent prompting system |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2016/072939WO2017128372A1 (en) | 2016-01-30 | 2016-01-30 | Method for prompting credit card balance matching information and intelligent prompting system |
| Publication Number | Publication Date |
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| WO2017128372A1true WO2017128372A1 (en) | 2017-08-03 |
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/CN2016/072939CeasedWO2017128372A1 (en) | 2016-01-30 | 2016-01-30 | Method for prompting credit card balance matching information and intelligent prompting system |
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| WO (1) | WO2017128372A1 (en) |
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