TWM565856U - Consumption investment system - Google Patents

Abstract

一種消費投資系統，包括至少一用戶裝置與一伺服主機。用戶裝置包括一支付模組，支付模組適於產生一支付資訊。伺服主機通訊連接至該用戶裝置，並接收該支付資訊，該伺服主機包括一驗證模組、一投資模組及一帳戶管理模組。驗證模組適於驗證該支付資訊，驗證成功後產生一成交資訊。投資模組適於在該成交資訊產生時，產生一投資資訊。帳戶管理模組儲存多筆帳戶資訊，適於接收該投資資訊，並將該投資資訊與該帳戶資訊建立關聯。A consumer investment system includes at least one user device and a server. The user device includes a payment module, and the payment module is adapted to generate a payment message. The server host communicates with the user device and receives the payment information. The server includes a verification module, an investment module and an account management module. The verification module is adapted to verify the payment information, and a transaction information is generated after the verification is successful. The investment module is adapted to generate an investment information when the transaction information is generated. The account management module stores multiple account information, is suitable for receiving the investment information, and associates the investment information with the account information.

Description

消費投資系統Consumer investment system

本創作提供一種消費投資系統，特別是一種在消費成立時，自動提撥一定金額進入投資專戶的消費投資系統。This creation provides a consumer investment system, especially a consumer investment system that automatically allocates a certain amount of money to an investment account when the consumption is established.

理財是現在社會中很重要的概念，特別在資本社會中，如何累積資本是非常重的要一環。常見的方式便是定時定量的儲蓄，達到逐步累積資本的目標。但實際執行上需要一定程度的紀律性才能完成。 雖然金融業者也推出了儲蓄保險相關的金融產品。是每次儲蓄的額度過高，對消費者而言會感受到壓力，或是綁約等相關規定，消費者的接受程度有限。若仰賴消費者自行繳費，也容易產生追繳費用的問題，對金融業者而言執行也不容易。 因此，要如何提出對於消費者對於金融業者都更容易執行的方式，便是本領域具通常知識者值得去思量的。Financial management is a very important concept in today's society. Especially in the capital society, how to accumulate capital is a very important one. The common way is to regularly quantify savings and achieve the goal of gradually accumulating capital. However, actual implementation requires a certain degree of discipline to complete. Although financial players have also introduced financial products related to savings insurance. It is because the amount of each deposit is too high, and consumers will feel the pressure, or the relevant provisions such as the contract, and the consumer's acceptance is limited. If you rely on consumers to pay their own fees, it is also easy to generate the problem of recovery fees, and it is not easy for financial operators to implement. Therefore, how to propose a way for consumers to implement financial institutions is easier for those who have general knowledge in the field to consider.

本創作提供一種消費投資系統，利用***或電子支付消費時，從相關帳戶額外提撥投資金額，並將投資金額轉入指定帳戶做為投資使用，並且配合電子化系統自動提撥。 本創作提供一種消費投資系統，包括至少一用戶裝置與一伺服主機。用戶裝置包括一支付模組，支付模組適於產生一支付資訊。伺服主機通訊連接至該用戶裝置，並接收該支付資訊，該伺服主機包括一驗證模組、一投資模組及一帳戶管理模組。驗證模組適於驗證該支付資訊，驗證成功後產生一成交資訊。投資模組適於在該成交資訊產生時，產生一投資資訊。帳戶管理模組儲存多筆帳戶資訊，適於接收該投資資訊，並將該投資資訊與該帳戶資訊建立關聯。 上述之消費投資系統，其中，還包括一收付裝置，通訊連接至該伺服主機，該收付裝置適於與該支付裝置互動，並產生一收付資訊，該收付資訊會被傳送至該伺服主機。 上述之消費投資系統，其中，該驗證模組121是驗證該支付資訊與該收付資訊是否吻合。 上述之消費投資系統，其中，該成交資訊還包括一成交金額，該投資資訊是根據該成交金額的一定比例而產生，故投資資訊還包括一投資金額。 上述之消費投資系統，其中，該帳戶資訊還包括一投資累計金額，該投資資訊與該帳戶資訊建立關聯是將該投資金額加入該投資累計金額。 上述之消費投資系統，其中，該用戶裝置為支援電子支付的行動裝置或信用刷卡機。 上述之消費投資系統，其中，該伺服主機還包括一通知模組，該通知模組適於在該成交資訊產生時，產生一通知訊息，並將通知訊息傳送至該用戶裝置。This creation provides a consumer investment system that uses the credit card or electronic payment to make an additional investment amount from the relevant account, and transfers the investment amount to the designated account for investment purposes, and automatically with the electronic system. The present invention provides a consumer investment system comprising at least one user device and a server. The user device includes a payment module, and the payment module is adapted to generate a payment message. The server host communicates with the user device and receives the payment information. The server includes a verification module, an investment module and an account management module. The verification module is adapted to verify the payment information, and a transaction information is generated after the verification is successful. The investment module is adapted to generate an investment information when the transaction information is generated. The account management module stores multiple account information, is suitable for receiving the investment information, and associates the investment information with the account information. The above-mentioned consumer investment system further includes a payment device connected to the server, the payment device being adapted to interact with the payment device and generating a payment information, the payment information being transmitted to the Servo host. The above-mentioned consumer investment system, wherein the verification module 121 verifies whether the payment information matches the payment information. In the above-mentioned consumer investment system, the transaction information further includes a transaction amount, and the investment information is generated according to a certain proportion of the transaction amount, so the investment information further includes an investment amount. In the above-mentioned consumer investment system, the account information further includes an accumulated amount of investment, and the investment information is associated with the account information, and the investment amount is added to the accumulated amount of the investment. The above-mentioned consumer investment system, wherein the user device is a mobile device or a credit card machine that supports electronic payment. In the above-mentioned consumer investment system, the server host further includes a notification module, and the notification module is adapted to generate a notification message when the transaction information is generated, and transmit the notification message to the user device.

本創作提供一種消費投資系統，在每筆消費成交之後，額外撥出一定的金額存入投資專戶，讓消費者在消費的同時進行投資型儲蓄，協助消費者累積財富。 請參閱圖1，圖1所繪示為本創作消費投資系統。消費投資系統100包括多個用戶裝置110、一伺服主機120與多個收付裝置130。其中，用戶裝置110為消費者所使用的電子支付或行動支付裝置，例如為智慧型手機。用戶裝置110中還包括一支付模組111，適於產生一支付資訊。此外，在某些實施例中，用戶裝置110也可為***。也就是說用戶裝置110會是一種能夠綁定消費者銀行帳戶，並且能夠使用電子支付的裝置。 收付裝置130則為賣家所使用的裝置，例如為***刷卡機或對應電子支付的智慧型裝置。因此，當消費者與賣家要進行交易時，則需使用用戶裝置110與收付裝置130進行互動，例如消費者使用電子支付，賣家使用專用裝置掃描條碼；或消費者使用***，賣家使用***刷卡機。用戶裝置110與收付裝置130互動時，用戶裝置110產生一支付資訊、收付裝置130產生一收付資訊，而支付資訊與收付資訊皆會傳送至伺服主機120。 伺服主機120是通訊連接至用戶裝置110與收付裝置130，並且接收支付資訊與收付資訊。因此伺服主機120還包括一驗證模組121、一投資模組122與一帳戶管理模組123。驗證模組121適於接收該支付資訊並進行驗證，驗證成功後產生一成交資訊。在一實施例中，驗證模組121是接收支付資訊與收付資訊進行驗證，驗證支付資訊與收付資訊是否吻合，若兩者吻合，驗證模組121則產生一成交資訊。成交資訊會包括一成交金額，表示交易成立，接下來成交資訊會被傳送至外部的金流系統，進一步進行轉帳、匯款或***消費紀錄等作業。 投資模組122會在成交資訊產生時，另外產生一投資資訊。其中投資資訊是根據成交金額的一定比例而產生，因此投資資訊中還包括一投資金額。例如，消費者消費100元，投資模組122則以10%計，額外產生10元的投資金額。所產生的投資資訊會被傳送至帳戶管理模組123。 帳戶管理模組123儲存了多筆帳戶資訊，這些帳戶資訊會對應至消費者的帳戶。帳戶管理模組123會接收投資資訊，並且將投資資訊與帳戶資訊建立關聯。在一實施例中，帳戶資訊中還包括一投資累計金額，表示過去消費者所累計的投資金額，而當帳戶管理模組123將投資資訊與帳戶資訊建立關聯時，是將投資金額加入投資累計金額中。而帳戶管理模組123會將帳戶資訊連結至外部的投資商品管理系統，也就是說消費者所累積的投資金額會應用在不同的投資商品上，例如基金、定存、活存等等。 在一實施例中，伺服主機120還包括一通知模組124，當交易成立，投資模組122產生投資資訊，並且成功將投資資訊連結至帳戶資訊時，通知模組124會發送一通知訊息至用戶裝置110或是指定的通訊裝置、電子裝置等等。通知消費者額外提撥的投資金額已轉入專戶中。 在某些實施例中，若用戶裝置110為智慧型手機，並且使用電子支付，用戶裝置110則還包括一查詢模組，查詢模組可從伺服主機120中讀取帳戶資訊。也就是說消費者可使用用戶裝置110查詢投資帳戶的狀況，包括累計投資金額、投資商品狀態、損益、餘額等狀態。 本創作是利用消費者使用如***或電子支付等直接與金融帳戶關聯的支付方式，當消費者在消費時，根據消費金額提撥一定比例到投資專戶進行投資，讓消費者能夠在消費的同時也能夠過累積的方式來投資，藉此累積財富。並且本創作利用電子系統直接監控消費者的消費行為，並自動提撥投資金額，減少人力的需求，加快作業流程。 本創作以實施例說明如上，然其並非用以限定本創作所主張之專利權利範圍。其專利保護範圍當視後附之申請專利範圍及其等同領域而定。凡本領域具有通常知識者，在不脫離本專利精神或範圍內，所作之更動或潤飾，均屬於本創作所揭示精神下所完成之等效改變或設計，且應包含在下述之申請專利範圍內。This creation provides a consumer investment system. After each consumer transaction, an additional amount is allocated to the investment account, allowing consumers to make investment savings while spending, helping consumers to accumulate wealth. Please refer to FIG. 1 , which illustrates the creative consumption investment system. The consumer investment system 100 includes a plurality of user devices 110, a server host 120, and a plurality of payment devices 130. The user device 110 is an electronic payment or mobile payment device used by the consumer, such as a smart phone. The user device 110 further includes a payment module 111 adapted to generate a payment information. Moreover, in some embodiments, user device 110 can also be a credit card. That is to say, the user device 110 would be a device that can bind a consumer bank account and be able to use electronic payment. The payment device 130 is a device used by the seller, such as a credit card credit card or a smart device corresponding to electronic payment. Therefore, when the consumer and the seller want to conduct a transaction, the user device 110 needs to interact with the payment device 130, for example, the consumer uses the electronic payment, the seller uses a dedicated device to scan the barcode; or the consumer uses the credit card, and the seller uses the credit card to swipe the card. machine. When the user device 110 interacts with the payment device 130, the user device 110 generates a payment information, the payment device 130 generates a payment information, and the payment information and the payment information are transmitted to the server host 120. The server host 120 is communicatively coupled to the user device 110 and the payment device 130, and receives payment information and payment information. Therefore, the server host 120 further includes a verification module 121, an investment module 122, and an account management module 123. The verification module 121 is adapted to receive the payment information and perform verification, and generate a transaction information after the verification is successful. In an embodiment, the verification module 121 receives the payment information and the payment information for verification, and verifies whether the payment information and the payment information match. If the two match, the verification module 121 generates a transaction information. The transaction information will include a transaction amount indicating that the transaction is established, and the transaction information will be transmitted to the external gold flow system for further transfer, remittance or credit card consumption records. The investment module 122 will generate an additional investment information when the transaction information is generated. The investment information is generated according to a certain proportion of the transaction amount, so the investment information also includes an investment amount. For example, the consumer spends 100 yuan, and the investment module 122 takes 10%, which additionally generates an investment amount of 10 yuan. The generated investment information is transmitted to the account management module 123. The account management module 123 stores a plurality of account information, which corresponds to the consumer's account. The account management module 123 receives the investment information and associates the investment information with the account information. In an embodiment, the account information further includes an accumulated amount of investment, indicating the amount of investment accumulated by the consumer in the past, and when the account management module 123 associates the investment information with the account information, the investment amount is added to the investment accumulation. In the amount. The account management module 123 links the account information to an external investment commodity management system, that is, the amount of investment accumulated by the consumer is applied to different investment commodities, such as funds, deposits, deposits, and the like. In an embodiment, the server host 120 further includes a notification module 124. When the transaction is established, the investment module 122 generates investment information, and the investment information is successfully linked to the account information, the notification module 124 sends a notification message to User device 110 is either a designated communication device, an electronic device, or the like. The amount of investment that has been notified to the consumer for additional funding has been transferred to the account. In some embodiments, if the user device 110 is a smart phone and uses electronic payment, the user device 110 further includes a query module, and the query module can read the account information from the server host 120. That is to say, the consumer can use the user device 110 to query the status of the investment account, including the accumulated investment amount, investment product status, profit and loss, balance, and the like. This creation is to use the payment method directly associated with the financial account by consumers such as credit card or electronic payment. When the consumer is spending, a certain proportion is allocated according to the amount of consumption to the investment account to make the consumer consume. At the same time, it is also possible to invest in a cumulative way to accumulate wealth. And this creation uses the electronic system to directly monitor the consumer's consumption behavior, and automatically allocates the investment amount, reduces the manpower demand, and speeds up the operation process. The present invention is described above by way of example, but it is not intended to limit the scope of patent rights claimed herein. The scope of patent protection is subject to the scope of the patent application and its equivalent fields. Any changes or modifications made by those skilled in the art without departing from the spirit or scope of this patent are subject to the equivalent changes or designs made in the spirit of the present disclosure and should be included in the scope of the patent application below. Inside.

100‧‧‧消費投資系統
110‧‧‧用戶裝置
111‧‧‧支付模組
120‧‧‧伺服主機
121‧‧‧驗證模組
122‧‧‧投資模組
123‧‧‧帳戶管理模組
124‧‧‧通知模組
130‧‧‧收付裝置100‧‧‧Consumer Investment System
110‧‧‧User device
111‧‧‧Payment module
120‧‧‧Servo host
121‧‧‧ verification module
122‧‧‧Investment Module
123‧‧‧Account Management Module
124‧‧‧Notification module
130‧‧‧ Receiving device

圖1所繪示為本創作消費投資系統。Figure 1 depicts the creation of a consumer investment system.

Claims (7)

一種消費投資系統，包括： 至少一用戶裝置，包括： 一支付模組，適於產生一支付資訊；及 一伺服主機，通訊連接至該用戶裝置，並接收該支付資訊，該伺服主機包括： 一驗證模組，適於驗證該支付資訊，驗證成功後產生一成交資訊； 一投資模組，適於在該成交資訊產生時，產生一投資資訊；及 一帳戶管理模組，儲存多筆帳戶資訊，適於接收該投資資訊，並將該投資資訊與該帳戶資訊建立關聯。A consumer investment system, comprising: at least one user device, comprising: a payment module adapted to generate a payment information; and a server connected to the user device and receiving the payment information, the server comprises: The verification module is adapted to verify the payment information, and the transaction information is generated after the verification is successful; an investment module is adapted to generate an investment information when the transaction information is generated; and an account management module stores the plurality of account information Suitable for receiving the investment information and associating the investment information with the account information. 如申請專利範圍第1項所述之消費投資系統，其中，還包括一收付裝置，通訊連接至該伺服主機，該收付裝置適於與該支付裝置互動，並產生一收付資訊，該收付資訊會被傳送至該伺服主機。The consumer investment system of claim 1, further comprising a payment device connected to the server, the payment device being adapted to interact with the payment device and generating a payment information, The payment information will be transmitted to the server. 如申請專利範圍第2項所述之消費投資系統，其中，該驗證模組121是驗證該支付資訊與該收付資訊是否吻合。The consumer investment system of claim 2, wherein the verification module 121 verifies whether the payment information matches the payment information. 如申請專利範圍第1項所述之消費投資系統，其中，該成交資訊還包括一成交金額，該投資資訊是根據該成交金額的一定比例而產生，故投資資訊還包括一投資金額。For example, in the consumer investment system described in claim 1, wherein the transaction information further includes a transaction amount, and the investment information is generated according to a certain proportion of the transaction amount, so the investment information further includes an investment amount. 如申請專利範圍第3項所述之消費投資系統，其中，該帳戶資訊還包括一投資累計金額，該投資資訊與該帳戶資訊建立關聯是將該投資金額加入該投資累計金額。For example, the consumer investment system described in claim 3, wherein the account information further includes an accumulated amount of investment, and the investment information is associated with the account information, and the investment amount is added to the accumulated amount of the investment. 如申請專利範圍第1項所述之消費投資系統，其中，該用戶裝置為支援電子支付的行動裝置或信用刷卡機。The consumer investment system of claim 1, wherein the user device is a mobile device or a credit card machine that supports electronic payment. 如申請專利範圍第1項所述之消費投資系統，其中，該伺服主機還包括一通知模組，該通知模組適於在該成交資訊產生時，產生一通知訊息，並將通知訊息傳送至該用戶裝置。The consumer investment system of claim 1, wherein the server further includes a notification module, wherein the notification module is adapted to generate a notification message when the transaction information is generated, and transmit the notification message to The user device.