CN106897868B - Method and system for updating validity period of credit card of buyer on cross-country trade electronic commerce platform - Google Patents
Method and system for updating validity period of credit card of buyer on cross-country trade electronic commerce platform Download PDFInfo
- Publication number
- CN106897868B CN106897868B CN201710097632.8A CN201710097632A CN106897868B CN 106897868 B CN106897868 B CN 106897868B CN 201710097632 A CN201710097632 A CN 201710097632A CN 106897868 B CN106897868 B CN 106897868B
- Authority
- CN
- China
- Prior art keywords
- credit card
- validity period
- updating
- information
- card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- 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
- 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
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
- 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
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
-
- 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
- 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
- G06Q20/405—Establishing or using transaction specific rules
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a method and a system for updating the validity period of a buyer credit card of a cross-country trade electronic commerce platform, wherein the method comprises the following steps: the buyer credit card validity period active updating system and the buyer credit card validity period instant updating system; the buyer credit card validity period active updating system is characterized in that an electronic commerce platform periodically and actively updates the buyer credit card validity period, the electronic commerce platform establishes a client credit card data model, and the client credit card data model comprises: the credit card expiration date is automatically updated with the information and the customer credit card token information. The method for updating the validity period of the credit card of the buyer of the cross-country trade electronic commerce platform solves the problem that normal payment cannot be carried out after the validity period of the credit card of the buyer of the cross-country trade B2B electronic commerce platform A is over, effectively improves the payment experience of customers and simultaneously improves the payment success rate.
Description
Technical Field
The invention relates to the field of cross-country trade electronic commerce, in particular to a method and a system for updating the validity period of a credit card of a buyer of a cross-country trade electronic commerce platform.
Background
The cross-country trade electronic commerce platform is used as a cross-country trade platform facing a plurality of countries of the world 200, and customers are distributed all over the world, including personal customers, enterprises, governments and the like. The credit card is the most common payment method for customers in the international trade field, and accounts for more than 95% of payments of the international trade electronic commerce platform. Generally, a credit card has a certain validity period in the issuing process, generally 5 years or 10 years, and after the credit card expires, the transaction cannot be normally carried out.
In actual business, in order to improve the customer experience of the cross-country trade electronic commerce platform and reduce the situation that the customer repeatedly inputs credit card information in a payment link, the cross-country trade electronic commerce platform generally encrypts and stores the credit card information of a card holder in a database, and CVV information is not stored. Therefore, when the customer buys again, the payment can be completed only by inputting the CVV information, and the payment is convenient and quick. Since the cross-country trade e-commerce platform passes the PCI certification in the most stringent data security domain, such a storage method is also compliant. However, after the credit card is expired, in many cases, the cardholder often forgets to update the transaction on the cross-country trade e-commerce platform, and only after the payment gateway returns the information of the expired credit card and the information is prompted to the customer by the cross-country trade e-commerce platform, the customer revises and resubmits the transaction to achieve successful payment. Typically, the issuing bank will contact the cardholder to reissue a new credit card several months before the cardholder's credit card expires, at which time the new credit card will correspond to a new expiration date.
In the existing mode, a customer is usually used to directly input a CVV (composite virtual V) for payment or the customer is allowed to finish payment without inputting the CVV in a transnational trade electronic commerce platform in some channels, which is also convenient for some customers to have no habit of carrying a credit card with him, so that after the credit card is out of date, a cardholder can possibly cause the behavior that the customer cannot pay because the cardholder does not remember the validity period of a new card, and further, the customer experience of the transnational trade electronic commerce platform and GMV (public land mobile) are adversely affected.
Disclosure of Invention
In view of the above-mentioned deficiencies in the prior art, the present invention provides a method for updating the validity period of a buyer's credit card on a cross-country trade electronic commerce platform, which solves the problem that normal payment cannot be made after the validity period of the buyer's credit card on the cross-country trade B2B electronic commerce platform A expires.
The technical scheme adopted by the invention is as follows:
a method for updating validity period of buyer's credit card on cross-country trade electronic commerce platform includes the electronic commerce platform including: the buyer credit card validity period active updating system and the buyer credit card validity period instant updating system.
Preferably, the active updating system for the validity period of the credit card of the buyer is used for regularly and actively updating the validity period of the credit card of the buyer by the electronic commerce platform.
In any of the above aspects, the e-commerce platform preferably builds a customer credit card data model.
In any of the above aspects, preferably, the customer credit card data model comprises: the credit card validity period automatically updates information and customer credit card token information;
the credit card validity period automatically updates the information: the updating information is used for recording the validity period of the credit card of the card holder;
customer credit card token information; used for recording the credit card token information stored by the cardholder on the multinational trade electronic commerce platform.
In any of the above schemes, preferably, the e-commerce platform system searches for the record from the validity period to the current date in the credit card validity period updating information every day at regular time intervals, wherein the record is less than or equal to the set period.
In any of the above aspects, it is preferable to record whether or not the corresponding update time is less than or equal to a set time limit from the current time.
In any of the above schemes, preferably, the method for updating the validity period of the credit card of the buyer of the cross-country trade electronic commerce platform comprises the following steps:
initiating a validity period updating request to a payment gateway;
the payment gateway forwards the validity period updating request to a collection bank;
the acquirer transfers the validity period updating request to the international card organization;
the international card organization returns the validity information of the credit card;
the multinational trade e-commerce platform updates the validity information of the credit card and updates the latest updating time of the validity of the credit card.
In any of the above solutions, it is preferable that the updating step of the buyer credit card validity instant updating system is as follows:
step 1, a cardholder browses commodities on a transnational trade electronic commerce platform and places an order;
step 2, the cardholder inputs the corresponding credit card information;
step 3, the cross-country trade electronic commerce platform forwards the payment request of the cardholder to a payment gateway for processing;
step 4, the payment gateway forwards the payment information of the cardholder to a receiving bank for processing;
step 5, the acquirer forwards the payment request to the international card organization for processing;
step 6, the international card organization transmits the information to the card issuer for processing;
step 7, the issuer carries out authorization processing;
and 8, completing or ending payment by the cross-country trade electronic commerce platform according to the authorization result.
In any of the above aspects, preferably, the credit card information includes: credit card number, expiration date, CVV, and billing information.
In any of the above schemes, preferably, in step 8, if the issuer fails to authorize, where the failure reason is that the validity period of the credit card is expired, it is determined whether the cardholder sets the validity period of the credit card to be updated automatically, and if not, the cardholder is directly prompted that the validity period of the credit card is expired, and the cardholder needs to update the validity period information.
In any of the above schemes, preferably, in step 8, if the card issuer fails in authorization, where the failure reason is that the validity period of the credit card is expired, it is determined whether the cardholder sets the validity period of the credit card for automatic updating, if the cardholder sets the automatic updating, the cross-country trade e-commerce platform first issues a request for updating the validity period of the credit card to the payment gateway, acquires a new validity period and organizes the payment request of the credit card again after the update is successful; after the authorization is submitted again, the cross-country trade electronic commerce platform prompts the cardholder that the payment is successful and updates the order state.
In any of the above schemes, preferably, the buyer credit card validity period instant updating system updates the buyer credit card validity period after the buyer places an order.
In any of the above schemes, preferably, the step of updating the validity period of the credit card of the buyer after the buyer places an order is as follows:
the cross-country trade electronic commerce platform forwards the payment request of the cardholder to a payment gateway for processing;
the payment gateway forwards the payment information of the card holder to a receiving bank for processing;
the acquirer forwards the payment request to the international card organization for processing;
the international card organization transmits the information to the card issuer for processing;
the issuer carries out authorization processing;
and the multinational trade electronic commerce platform completes or ends payment according to the authorization result.
In any of the above schemes, preferably, if the issuer fails to authorize, where the failure reason is that the validity period of the credit card is expired, the issuer determines whether the cardholder sets the validity period of the credit card to be updated automatically, and if not, the issuer directly prompts the cardholder that the validity period of the credit card is expired and please update the validity period information.
In any of the above schemes, preferably, if the issuer fails in authorization, wherein the failure reason is that the validity period of the credit card is expired, the issuer determines whether the cardholder sets the validity period of the credit card for automatic updating, if the cardholder sets the validity period of the credit card for automatic updating, the international trade e-commerce platform first initiates a request for updating the validity period of the credit card to the payment gateway, acquires a new validity period and organizes the payment request of the credit card again after the new validity period is successfully updated; after the authorization is submitted again, the cross-country trade electronic commerce platform prompts the cardholder that the payment is successful and updates the order state.
In any of the above schemes, preferably, the buyer sets the credit card validity period automatic updating option in the cross-country trade electronic commerce background;
the multinational trade electronic commerce platform judges whether the credit card type of the client is a GIFT or PREPAID card; if the card is not a GIFT or PREPAID card, the validity period of the credit card is registered for the buyer, and the information is automatically updated to prompt the buyer that the credit card state is normal; if it is a GIFT or a prefix card, the client is prompted that the type of credit card does not support automatic renewal of the validity period.
In any of the above schemes, preferably, the method for updating the validity period of the credit card of the buyer of the cross-country trade electronic commerce platform comprises the following steps:
1. the cardholder browses the goods on the cross-country trade electronic commerce platform;
2. ordering by a cardholder;
3. the cardholder inputs corresponding credit card information, such as credit card number, validity period, CVV and billing information;
4. initializing payment information by a multinational trade electronic commerce platform;
5. the cross-country trade electronic commerce platform forwards the payment request of the cardholder to a payment gateway for processing;
6. the payment gateway forwards the payment information of the card holder to a receiving bank for processing;
7. the acquirer forwards the payment request to the international card organization for processing;
8. the international card organization transmits the information to the card issuer for processing;
9. the issuer carries out authorization processing;
10. the international card organization forwards the payment result;
11. the acquirer forwards the payment result;
12. the payment gateway forwards the payment result;
13. judging whether the payment is successful; the payment is successful, and the success of the payment is prompted; if the payment is unsuccessful, judging whether the credit card is overdue;
14. judging the expiration of the credit card, and prompting the cardholder of the payment failure reason;
15. judging whether the credit card is overdue or not, and judging whether the validity period of the credit card is updated or not;
16. updating the validity period of the credit card is not set, and prompting the cardholder of the reason of failure of payment;
17. setting the validity period of the credit card for updating, and forwarding a validity period updating request to an acquirer;
18. the card organization inquires the valid period information;
19. returning validity period information;
20. and updating new validity period information, returning to platform initialization payment information, and entering a normal payment process.
A buyer credit card validity period updating system of a cross-country trade electronic commerce platform comprises an electronic commerce platform server, wherein the electronic commerce platform server comprises a buyer credit card validity period active updating system and a buyer credit card validity period instant updating system.
Preferably, the buyer credit card validity period active updating system actively updates the buyer credit card validity period regularly.
In any of the above aspects, preferably, the e-commerce platform server establishes the client credit card data model.
In any of the above aspects, preferably, the client credit card data model includes: the credit card validity period automatically updates information and customer credit card token information;
the credit card validity period automatically updates the information: the updating information is used for recording the validity period of the credit card of the card holder;
customer credit card token information; used for recording the credit card token information stored by the cardholder on the multinational trade electronic commerce platform.
In any of the above schemes, preferably, the e-commerce platform system searches for the record from the validity period to the current date in the credit card validity period updating information every day at regular time intervals, wherein the record is less than or equal to the set period.
In any of the above aspects, it is preferable to record whether or not the corresponding update time is less than or equal to a set time limit from the current time.
In any of the above aspects, it is preferable that the method includes:
an update request module: configured to initiate a validity period update request to a payment gateway;
the payment gateway: the update request module is configured and adapted to receive the validity period update request forwarded by the update request module and forward the request to a receiving bank;
and the acquisition line data processing module: the payment gateway is configured to receive an update request forwarded by the payment gateway and forward the validity period update request to an international card organization;
the international card organization data processing module: the credit card information updating module is configured to receive and process the validity period updating request forwarded by the acquisition row data processing module and return the validity period information of the credit card to the information updating module;
an information updating module: it is configured to receive the credit card validity information returned by the international card organization data processing module and update the validity information of the credit card and the latest updating time of the credit card validity.
In any of the above aspects, it is preferable that the purchaser credit card validity period immediate update system includes:
the commodity display module: it is configured to be suitable for the cardholder to browse the goods and place an order;
credit card information receiving module: configured to receive credit card information input by a cardholder;
the payment gateway is configured to receive and process the payment request of the cardholder forwarded by the credit card information receiving module, and forward the payment information to a receiving bank for processing;
the payment gateway is used for forwarding payment information of a cardholder to an international card organization;
the international card organization data processing module: the payment server is configured to receive and process the payment request forwarded by the acquirer data processing module; and transmitting the information to a card issuer for processing;
card issuing row data processing module: the system comprises an international card organization data processing module, a card authorization module and a card authorization module, wherein the international card organization data processing module is configured to receive information transmitted by the international card organization data processing module and perform authorization processing;
a result output module: which is configured to complete or end payment depending on the outcome of the authorization.
In any of the above aspects, preferably, the credit card information includes: credit card number, expiration date, CVV, and billing information.
In any of the above schemes, preferably, if the authorization fails, wherein the reason for the failure is that the validity period of the credit card is expired, it is determined whether the cardholder sets the validity period of the credit card to be updated automatically, and if not, the result output module directly prompts the cardholder that the validity period of the credit card is expired and please update the validity period information.
In any of the above schemes, preferably, if the authorization fails, wherein the failure reason is that the validity period of the credit card is expired, it is determined whether the cardholder sets the validity period of the credit card for automatic updating, if the cardholder sets the automatic updating, a request for updating the validity period of the credit card is first initiated to the payment gateway, and after a new validity period is obtained and the updating is successful, the credit card payment request is organized again; and after the authorization is submitted again, the result output module prompts the card holder that the payment is successful and updates the order state.
In any of the above schemes, preferably, the buyer credit card validity period instant updating system updates the buyer credit card validity period after the buyer places an order.
In any of the above schemes, preferably, the updating of the validity period of the credit card of the buyer after the buyer places an order includes:
forwarding the payment request of the cardholder to a payment gateway for processing;
the payment gateway forwards payment information of the cardholder to a receiving bank data processing module for processing;
the acquiring bank data processing module forwards the payment request to the international card organization data processing module for processing;
the international card organization data processing module transmits the information to the card issuing data processing module for processing;
the card issuing data processing module carries out authorization processing;
depending on the result of the authorization, the payment is completed or ended.
In any of the above schemes, preferably, if the authorization fails, where the failure reason is that the validity period of the credit card is expired, the issuer data processing module determines whether the cardholder sets the validity period of the credit card to be updated automatically, and if not, directly prompts the cardholder that the validity period of the credit card is expired and please update the validity period information.
In any of the above schemes, preferably, if the authorization fails, where the failure reason is that the validity period of the credit card is expired, the issuer data processing module determines whether the cardholder sets the validity period of the credit card to be automatically updated, if the automatic update is set, first initiates a request for updating the validity period of the credit card to the payment gateway, acquires a new validity period and organizes the payment request of the credit card again after the update is successful; and after the authorization is submitted again, prompting the cardholder that the payment is successful and updating the order state.
A buyer credit card validity period updating system of a cross-country trade electronic commerce platform comprises an electronic commerce platform server and comprises:
a credit card validity update setting module configured to be adapted for the purchaser to set an automatic credit card validity update option;
credit card type judging module: the credit card management system is configured to judge whether the credit card type of a client is a GIFT or PREPAID card, if not, register the validity period of the credit card for a buyer to automatically update information, and prompt the buyer that the credit card state is normal; if it is a GIFT or a prefix card, the customer is prompted that this type of credit card does not support automatic renewal of the validity period.
A buyer credit card validity period updating system of a cross-country trade electronic commerce platform comprises an electronic commerce platform server, wherein the electronic commerce platform server comprises:
the commodity display module: it is configured to be suitable for the cardholder to browse the goods and place an order;
credit card information receiving module: configured to receive credit card information input by a cardholder, including at least one of a credit card number, a validity period, a CVV, and billing information;
an information initialization module: configured to initialize payment information;
the payment gateway: the payment processing system is configured to receive and process a payment request of a cardholder and forward processed payment information to an acquirer module;
and the acquisition line data processing module: the payment gateway is configured to receive and process payment information of a cardholder forwarded by the payment gateway, and forward the processed payment information to the international card organization data processing module;
the international card organization data processing module: the payment information is received and forwarded to a card issuer data processing module;
card issuing row data processing module: configured to receive the payment information and perform an authorization process; returning the processed payment information to the international card organization data processing module, the acquiring bank data processing module and the payment gateway;
a result output module: configured to determine whether the payment was successful; if the payment is successful, prompting that the payment is successful; if the payment is unsuccessful, judging whether the credit card is overdue; judging the expiration of the credit card, and prompting the cardholder of the payment failure reason; judging whether the credit card is overdue or not, and judging whether the validity period of the credit card is updated or not; updating the validity period of the credit card is not set, and prompting the cardholder of the reason of failure of payment; if the validity period of the credit card is set to be updated, forwarding a validity period updating request to an acquirer;
card organization data processing module: configured to query validity period information; and returning the validity period information;
a payment module: the method is configured to update new validity period information, return to platform initialization payment information and enter a normal payment process.
Compared with the prior art, the invention has the beneficial effects that:
the method for updating the validity period of the credit card of the buyer of the cross-country trade electronic commerce platform solves the problem that normal payment cannot be carried out after the validity period of the credit card of the buyer of the cross-country trade B2B electronic commerce platform A is over, effectively improves the payment experience of customers and simultaneously improves the payment success rate. In actual operation, the annual number of the credit cards of the buyers of the cross-country trade electronic commerce platform A is about 50 thousands, and for the platform, if the customers cannot effectively solve the problems in the payment process, the potential loss of the cross-country trade electronic commerce platform is up to millions of dollars. With the development of mobile payment, more and more customers do not necessarily carry purses and credit cards, but the validity period is automatically updated through a mechanism, so that the requirements of one-time setting and convenient payment of the customers are met, and the aims of improving the payment success rate and GMV are fulfilled.
Drawings
FIG. 1 is a schematic flow chart of the method for updating the validity period of a credit card of a buyer of the cross-country trade electronic commerce platform according to the present invention;
FIG. 2 is a schematic diagram illustrating an automatic updating flow of the validity JOB of the credit card according to the method for updating the validity of the credit card on the cross-country trade e-commerce platform buyer;
FIG. 3 is a schematic diagram illustrating the updating of the validity period of the credit card in the payment process of the method for updating the validity period of the credit card of the buyer of the cross-country trade e-commerce platform according to the present invention.
Detailed Description
The invention is described in detail below with reference to the figures and examples:
B2B: business to Business electronic Business model;
token: an identification code as a logo;
gross Merchandisc Volume refers to the total amount of commodity trade;
cvc (cardverification code), a credit card verification code, is an additional code printed on the back of a credit card, also called CVV.
Example 1
Fig. 1-3 illustrate a method for updating validity period of a buyer's credit card on a cross-country trade e-commerce platform, including an e-commerce platform, comprising: the buyer credit card validity period active updating system and the buyer credit card validity period instant updating system.
The active updating system for the validity period of the credit card of the buyer is used for periodically and actively updating the validity period of the credit card of the buyer by an electronic commerce platform.
The e-commerce platform builds a customer credit card data model.
The customer credit card data model includes: the credit card validity period automatically updates information and customer credit card token information;
the credit card validity period automatically updates the information: the updating information is used for recording the validity period of the credit card of the card holder;
customer credit card token information; used for recording the credit card token information stored by the cardholder on the multinational trade electronic commerce platform.
The electronic commerce platform system searches records of which the period from the valid period to the current date is less than or equal to a set period in the credit card valid period updating information every day in a fixed time, wherein the record of the set period is a record of 90 days.
Whether the update time corresponding to the record is less than or equal to a set time limit from the current time or not is 365 days.
Initiating a validity period updating request to a payment gateway;
the payment gateway forwards the validity period updating request to a collection bank;
the acquirer transfers the validity period updating request to the international card organization;
the international card organization returns the validity information of the credit card;
the multinational trade e-commerce platform updates the validity information of the credit card and updates the latest updating time of the validity of the credit card.
The updating steps of the buyer credit card validity instant updating system are as follows:
step 1, a cardholder browses commodities on a transnational trade electronic commerce platform and places an order;
step 2, the cardholder inputs the corresponding credit card information;
step 3, the cross-country trade electronic commerce platform forwards the payment request of the cardholder to a payment gateway for processing;
step 4, the payment gateway forwards the payment information of the cardholder to a receiving bank for processing;
step 5, the acquirer forwards the payment request to the international card organization for processing;
step 6, the international card organization transmits the information to the card issuer for processing;
step 7, the issuer carries out authorization processing;
and 8, completing or ending payment by the cross-country trade electronic commerce platform according to the authorization result.
The credit card information includes: credit card number, expiration date, CVV, and billing information.
If the card issuer fails in authorization in step 8, wherein the failure reason is that the validity period of the credit card is expired, whether the cardholder sets the validity period of the credit card for automatic updating is judged, if not, the cardholder is directly prompted to indicate that the validity period of the credit card is expired, and the validity period information is required to be updated.
If the card issuer fails in authorization, wherein the failure reason is that the validity period of the credit card is expired, the card issuer judges whether the cardholder sets the validity period of the credit card for automatic updating, if the cardholder sets the automatic updating, the cross-country trade electronic commerce platform firstly initiates a request for updating the validity period of the credit card to the payment gateway, acquires a new validity period and organizes the payment request of the credit card again after the update is successful; after the authorization is submitted again, the cross-country trade electronic commerce platform prompts the cardholder that the payment is successful and updates the order state.
The buyer credit card validity period instant updating system updates the buyer credit card validity period after the buyer places an order.
The steps of updating the validity period of the credit card of the buyer after the buyer places an order are as follows:
the cross-country trade electronic commerce platform forwards the payment request of the cardholder to a payment gateway for processing;
the payment gateway forwards the payment information of the card holder to a receiving bank for processing;
the acquirer forwards the payment request to the international card organization for processing;
the international card organization transmits the information to the card issuer for processing;
the issuer carries out authorization processing;
and the multinational trade electronic commerce platform completes or ends payment according to the authorization result.
If the card issuing bank fails in authorization, wherein the failure reason is that the validity period of the credit card is expired, whether the validity period of the credit card is set by a card holder is judged to be automatically updated, if not, the card holder is directly prompted to indicate that the validity period of the credit card is expired, and the validity period information is required to be updated.
If the card issuer fails in authorization, wherein the failure reason is that the validity period of the credit card is expired, whether a cardholder sets the validity period of the credit card for automatic updating is judged, if the cardholder sets the validity period of the credit card for automatic updating, the transnational trade electronic commerce platform firstly initiates a request for updating the validity period of the credit card to a payment gateway, acquires a new validity period and organizes the payment request of the credit card again after the new validity period is acquired and updated successfully; after the authorization is submitted again, the cross-country trade electronic commerce platform prompts the cardholder that the payment is successful and updates the order state.
A buyer sets an automatic updating option of the validity period of a credit card in a cross-country trade electronic commerce background;
the multinational trade electronic commerce platform judges whether the credit card type of the client is a GIFT or PREPAID card; if the card is not a GIFT or PREPAID card, the validity period of the credit card is registered for the buyer, and the information is automatically updated to prompt the buyer that the credit card state is normal; if it is a GIFT or a prefix card, the client is prompted that the type of credit card does not support automatic renewal of the validity period.
And (3) GIFT: a gift card;
PREPAID: and (6) prepaying the cards.
Example 2
As shown in fig. 1, the purchaser sets up the credit card validity update flow:
1. a buyer sets an automatic updating option of the validity period of a credit card in a cross-country trade electronic commerce background;
2. the multinational trade electronic commerce platform judges whether the credit card type of the client is a GIFT or PREPAID card, and if the credit card type is the GIFT or PREPAID card, the client is prompted that the credit card of the type does not support automatic updating of the validity period. GIFT and prefix cards belong to non-real-name credit cards, mostly temporary, so there is no need to update the validity period.
3. If the credit card type is not a GIFT or a prefix card, the credit card validity period automatic updating information is registered for the buyer, the updating automatic updating is marked as yes, and the state is normal.
As shown in fig. 2, the credit card validity period JOB automatic update flow:
the system can regularly acquire the latest date of the validity period of the card holder through the JOB every day. Generally, after issuing a new credit card for a card holder, the card issuer needs to record the relevant credit card information in the international card organization. It is also one of the prerequisites of the present invention that we obtain the latest validity period information by introducing the credit card validity period update interface provided by the international card organization to the payment gateway. The purpose of the early validity period updating is mainly in the scene of deducting water and electricity fees for the card holders. In the business, public utilities such as hydropower and the like need to automatically send a fee deduction request to a card holder, and if the credit card is overdue, the problem can be solved by updating the validity period. In the present invention, the process flow of JOB is as follows:
1. the multinational trade electronic commerce platform system regularly starts the JOB of the validity period of the credit card every day.
2. The system judges the record of the validity period in the credit card judgment validity period updating information to the current date being less than or equal to 90 days;
3. judging whether the update time corresponding to the type of record is less than or equal to 365 days or not, if so, not processing;
4. if the validity period of the credit card is greater than the validity period of the credit card, the validity period is not updated for a long time, and a validity period updating request is sent to the payment gateway;
5. the payment gateway forwards the validity period updating request to a collection bank;
6. the acquirer transfers the validity period updating request to the international card organization;
7. the international card organization returns the validity information of the credit card;
8. the multinational trade e-commerce platform updates the validity information of the credit card and updates the latest updating time of the validity of the credit card.
Example 3
As shown in fig. 3, for the case that the validity period of the credit card is expired in the payment link, the cross-country trade e-commerce platform automatically updates according to whether the cardholder sets up an update, so as to obtain a new validity period and initiate the payment request again, and the specific flow is as follows:
1. the cardholder browses the goods on the cross-country trade electronic commerce platform;
2. ordering by a cardholder;
3. the cardholder inputs corresponding credit card information, such as credit card number, validity period, CVV, billing information, etc.;
4. initializing payment information by a multinational trade electronic commerce platform;
5. the cross-country trade electronic commerce platform forwards the payment request of the cardholder to a payment gateway for processing;
6. the payment gateway forwards the payment information of the card holder to a receiving bank for processing;
7. the acquirer forwards the payment request to the international card organization for processing;
8. the international card organization transmits the information to the card issuer for processing;
7. the issuer carries out authorization processing;
8. the international card organization forwards the payment result;
9. the acquirer forwards the payment result;
10. the payment gateway forwards the payment result;
11. judging whether the payment is successful; the payment is successful, and the success of the payment is prompted; if the payment is unsuccessful, judging whether the credit card is overdue;
12. judging the expiration of the credit card, and prompting the cardholder of the payment failure reason;
13. judging whether the credit card is overdue or not, and judging whether the validity period of the credit card is updated or not;
14. updating the validity period of the credit card is not set, and prompting the cardholder of the reason of failure of payment;
15. setting the validity period of the credit card for updating, and forwarding a validity period updating request to an acquirer;
16. the card organization inquires the valid period information;
17. returning validity period information;
18. and updating new validity period information, returning to platform initialization payment information, and entering a normal payment process.
Example 4
A buyer credit card validity period updating system of a cross-country trade electronic commerce platform comprises an electronic commerce platform server, wherein the electronic commerce platform server comprises a buyer credit card validity period active updating system and a buyer credit card validity period instant updating system.
The buyer credit card validity period active updating system periodically and actively updates the buyer credit card validity period.
The e-commerce platform server builds a client credit card data model.
The customer credit card data model includes: the credit card validity period automatically updates information and customer credit card token information;
the credit card validity period automatically updates the information: the updating information is used for recording the validity period of the credit card of the card holder;
customer credit card token information; used for recording the credit card token information stored by the cardholder on the multinational trade electronic commerce platform.
The electronic commerce platform system searches records of the updating information of the validity period of the credit card to the current date which is less than or equal to the set period at regular time every day.
And recording whether the corresponding updating time is less than or equal to the set time limit or not until the current time.
The buyer credit card validity period updating system of the cross-country trade electronic commerce platform comprises:
an update request module: configured to initiate a validity period update request to a payment gateway;
the payment gateway: the update request module is configured and adapted to receive the validity period update request forwarded by the update request module and forward the request to a receiving bank;
and the acquisition line data processing module: the payment gateway is configured to receive an update request forwarded by the payment gateway and forward the validity period update request to an international card organization;
the international card organization data processing module: the credit card information updating module is configured to receive and process the validity period updating request forwarded by the acquisition row data processing module and return the validity period information of the credit card to the information updating module;
an information updating module: it is configured to receive the credit card validity information returned by the international card organization data processing module and update the validity information of the credit card and the latest updating time of the credit card validity.
The buyer credit card validity period instant updating system comprises:
the commodity display module: it is configured to be suitable for the cardholder to browse the goods and place an order;
credit card information receiving module: configured to receive credit card information input by a cardholder;
the payment gateway is configured to receive and process the payment request of the cardholder forwarded by the credit card information receiving module, and forward the payment information to a receiving bank for processing;
the payment gateway is used for forwarding payment information of a cardholder to an international card organization;
the international card organization data processing module: the payment server is configured to receive and process the payment request forwarded by the acquirer data processing module; and transmitting the information to a card issuer for processing;
card issuing row data processing module: the system comprises an international card organization data processing module, a card authorization module and a card authorization module, wherein the international card organization data processing module is configured to receive information transmitted by the international card organization data processing module and perform authorization processing;
a result output module: which is configured to complete or end payment depending on the outcome of the authorization.
The credit card information includes: credit card number, expiration date, CVV, and billing information.
If the authorization fails, wherein the failure reason is that the validity period of the credit card is expired, whether the cardholder sets the validity period of the credit card for automatic updating is judged, if not, the result output module directly prompts the cardholder that the validity period of the credit card is expired and the cardholder asks for updating the validity period information.
If the authorization fails, wherein the failure reason is that the validity period of the credit card is expired, whether a cardholder sets the validity period of the credit card for automatic updating is judged, if the cardholder sets the automatic updating, a credit card validity period updating request is firstly sent to a payment gateway, a new validity period is obtained, and after the updating is successful, the credit card payment request is organized again; and after the authorization is submitted again, the result output module prompts the card holder that the payment is successful and updates the order state.
The buyer credit card validity period instant updating system updates the buyer credit card validity period after the buyer places an order.
Updating the validity period of the credit card of the buyer after the buyer places an order comprises the following steps:
forwarding the payment request of the cardholder to a payment gateway for processing;
the payment gateway forwards payment information of the cardholder to a receiving bank data processing module for processing;
the acquiring bank data processing module forwards the payment request to the international card organization data processing module for processing;
the international card organization data processing module transmits the information to the card issuing data processing module for processing;
the card issuing data processing module carries out authorization processing;
depending on the result of the authorization, the payment is completed or ended.
If the card issuing data processing module fails in authorization, wherein the failure reason is that the validity period of the credit card is expired, whether the validity period of the credit card is set by a card holder is judged to be automatically updated, if not, the card holder is directly prompted to update the validity period information when the validity period of the credit card is expired.
If the card issuing data processing module fails in authorization, wherein the failure reason is that the validity period of the credit card is expired, whether a card holder sets the validity period of the credit card for automatic updating is judged, if the card holder sets the validity period of the credit card for automatic updating, a credit card validity period updating request is firstly sent to a payment gateway, and after a new validity period is obtained and the updating is successful, the credit card payment request is organized again; and after the authorization is submitted again, prompting the cardholder that the payment is successful and updating the order state.
Example 5
A buyer credit card validity period updating system of a cross-country trade electronic commerce platform comprises an electronic commerce platform server and comprises:
a credit card validity update setting module configured to be adapted for the purchaser to set an automatic credit card validity update option;
credit card type judging module: the credit card management system is configured to judge whether the credit card type of a client is a GIFT or PREPAID card, if not, register the validity period of the credit card for a buyer to automatically update information, and prompt the buyer that the credit card state is normal; if it is a GIFT or a prefix card, the customer is prompted that this type of credit card does not support automatic renewal of the validity period.
Example 6
A cross-country trade electronic commerce platform buyer credit card validity period updating system comprises an electronic commerce platform server, wherein the electronic commerce platform server comprises:
the commodity display module: it is configured to be suitable for the cardholder to browse the goods and place an order;
credit card information receiving module: configured to receive credit card information input by a cardholder, including at least one of a credit card number, a validity period, a CVV, and billing information;
an information initialization module: configured to initialize payment information;
the payment gateway: the payment processing system is configured to receive and process a payment request of a cardholder and forward processed payment information to an acquirer module;
and the acquisition line data processing module: the payment gateway is configured to receive and process payment information of a cardholder forwarded by the payment gateway, and forward the processed payment information to the international card organization data processing module;
the international card organization data processing module: the payment information is received and forwarded to a card issuer data processing module;
card issuing row data processing module: configured to receive the payment information and perform an authorization process; returning the processed payment information to the international card organization data processing module, the acquiring bank data processing module and the payment gateway;
a result output module: configured to determine whether the payment was successful; if the payment is successful, prompting that the payment is successful; if the payment is unsuccessful, judging whether the credit card is overdue; judging the expiration of the credit card, and prompting the cardholder of the payment failure reason; judging whether the credit card is overdue or not, and judging whether the validity period of the credit card is updated or not; updating the validity period of the credit card is not set, and prompting the cardholder of the reason of failure of payment; if the validity period of the credit card is set to be updated, forwarding a validity period updating request to an acquirer;
card organization data processing module: configured to query validity period information; and returning the validity period information;
a payment module: the method is configured to update new validity period information, return to platform initialization payment information and enter a normal payment process.
The above description is only for the preferred embodiment of the present invention, and is not intended to limit the structure of the present invention in any way. Any simple modification, equivalent change and modification of the above embodiments according to the technical spirit of the present invention are within the technical scope of the present invention.
Claims (9)
1. A method for updating validity period of credit card of buyer of cross-country trade electronic commerce platform comprises the electronic commerce platform, which is characterized by comprising: the buyer credit card validity period active updating system and the buyer credit card validity period instant updating system; the active updating system of the validity period of the credit card of the buyer is that the electronic commerce platform periodically and actively updates the validity period of the credit card of the buyer; the e-commerce platform establishes a customer credit card data model, which comprises: the credit card validity period automatically updates information and customer credit card token information; the credit card validity period automatically updates the information: updating information used for recording the validity period of the credit card of the card holder; customer credit card token information: the system is used for recording credit card token information stored by a cardholder on a cross-country trade electronic commerce platform; the electronic commerce platform system searches records of the updating information of the credit card validity period from the validity period to the current date which is less than or equal to the set term regularly every day; whether the update time corresponding to the record is less than or equal to a set time limit from the current time;
the steps of the active updating system for the validity period of the credit card of the buyer are as follows:
initiating a validity period updating request to a payment gateway;
the payment gateway forwards the validity period updating request to a collection bank;
the acquirer transfers the validity period updating request to the international card organization;
the international card organization returns the validity information of the credit card;
updating the validity information of the credit card and updating the latest updating time of the validity of the credit card by the multinational trade electronic commerce platform;
the updating steps of the buyer credit card validity instant updating system are as follows:
step 1, a cardholder browses commodities on a transnational trade electronic commerce platform and places an order;
step 2, the cardholder inputs the corresponding credit card information;
step 3, the cross-country trade electronic commerce platform forwards the payment request of the cardholder to a payment gateway for processing;
step 4, the payment gateway forwards the payment information of the cardholder to a receiving bank for processing;
step 5, the acquirer forwards the payment request to the international card organization for processing;
step 6, the international card organization transmits the information to the card issuer for processing;
step 7, the issuer carries out authorization processing;
and 8, completing or ending payment by the cross-country trade electronic commerce platform according to the authorization result.
2. The method as claimed in claim 1, wherein the method further comprises the step of updating the validity period of the credit card of the buyer on the cross-country trade electronic commerce platform: the credit card information includes: credit card number, expiration date, CVV, and billing information.
3. The method as claimed in claim 1, wherein the method further comprises the step of updating the validity period of the credit card of the buyer on the cross-country trade electronic commerce platform: if the card issuer fails in authorization in step 8, wherein the failure reason is that the validity period of the credit card is expired, whether the cardholder sets the validity period of the credit card for automatic updating is judged, if not, the cardholder is directly prompted to indicate that the validity period of the credit card is expired, and the validity period information is required to be updated.
4. The method as claimed in claim 1, wherein the method further comprises the step of updating the validity period of the credit card of the buyer on the cross-country trade electronic commerce platform: if the card issuer fails in authorization, wherein the failure reason is that the validity period of the credit card is expired, the card issuer judges whether the cardholder sets the validity period of the credit card for automatic updating, if the cardholder sets the automatic updating, the cross-country trade electronic commerce platform firstly initiates a request for updating the validity period of the credit card to the payment gateway, acquires a new validity period and organizes the payment request of the credit card again after the update is successful; after the authorization is submitted again, the cross-country trade electronic commerce platform prompts the cardholder that the payment is successful and updates the order state.
5. The method as claimed in claim 1, wherein the method further comprises the step of updating the validity period of the credit card of the buyer on the cross-country trade electronic commerce platform: the buyer credit card validity period instant updating system updates the buyer credit card validity period after the buyer places an order.
6. A buyer credit card validity period updating system of a cross-country trade electronic commerce platform comprises an electronic commerce platform server, and is characterized in that the electronic commerce platform server comprises a buyer credit card validity period active updating system and a buyer credit card validity period instant updating system; the buyer credit card validity period active updating system periodically and actively updates the buyer credit card validity period; the e-commerce platform server establishes a client credit card data model, which comprises: the credit card validity period automatically updates information and customer credit card token information; the credit card validity period automatically updates the information: updating information used for recording the validity period of the credit card of the card holder; customer credit card token information: the system is used for recording credit card token information stored by a cardholder on a cross-country trade electronic commerce platform; the electronic commerce platform system searches records of the updating information of the credit card validity period from the validity period to the current date which is less than or equal to the set term regularly every day; recording whether the corresponding updating time is less than or equal to a set time limit or not until the current time; the buyer credit card validity period active updating system comprises:
an update request module: configured to initiate a validity period update request to a payment gateway;
the payment gateway: the update request module is configured and adapted to receive the validity period update request forwarded by the update request module and forward the request to a receiving bank;
and the acquisition line data processing module: the payment gateway is configured to receive an update request forwarded by the payment gateway and forward the validity period update request to an international card organization;
the international card organization data processing module: the credit card information updating module is configured to receive and process the validity period updating request forwarded by the acquisition row data processing module and return the validity period information of the credit card to the information updating module;
an information updating module: the credit card management system is configured to receive credit card validity information returned by the international card organization data processing module and update the credit card validity information and the latest updating time of the credit card validity;
the buyer credit card validity period instant updating system comprises:
the commodity display module: it is configured to be suitable for the cardholder to browse the goods and place an order;
credit card information receiving module: configured to receive credit card information input by a cardholder;
the payment gateway is configured to receive and process the payment request of the cardholder forwarded by the credit card information receiving module, and forward the payment information to a receiving bank for processing;
the payment gateway is used for forwarding payment information of a cardholder to an international card organization;
the international card organization data processing module: the payment server is configured to receive and process the payment request forwarded by the acquirer data processing module; and transmitting the information to a card issuer for processing;
card issuing row data processing module: the system comprises an international card organization data processing module, a card authorization module and a card authorization module, wherein the international card organization data processing module is configured to receive information transmitted by the international card organization data processing module and perform authorization processing;
a result output module: which is configured to complete or end payment depending on the outcome of the authorization.
7. The system of claim 6, wherein the updating of the validity period of the buyer's credit card after the buyer places an order comprises:
forwarding the payment request of the cardholder to a payment gateway for processing;
the payment gateway forwards payment information of the cardholder to a receiving bank data processing module for processing;
the acquiring bank data processing module forwards the payment request to the international card organization data processing module for processing;
the international card organization data processing module transmits the information to the card issuing data processing module for processing;
the card issuing data processing module carries out authorization processing;
depending on the result of the authorization, the payment is completed or ended.
8. The system of claim 7, wherein the card issuing data processing module determines whether the cardholder sets the validity period of the credit card for automatic updating if the authorization fails, wherein the reason of the failure is that the validity period of the credit card is expired, and if not, directly prompts the cardholder that the validity period of the credit card is expired and then requests to update the validity period information.
9. The system of claim 7, wherein the card issuing data processing module determines whether the cardholder sets an automatic update of the validity period of the credit card if the authorization fails, wherein the reason for the failure is that the validity period of the credit card is expired, if the automatic update is set, the cardholder first initiates a request for updating the validity period of the credit card to the payment gateway, acquires a new validity period and organizes the payment request of the credit card again after the update is successful; and after the authorization is submitted again, prompting the cardholder that the payment is successful and updating the order state.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710097632.8A CN106897868B (en) | 2017-02-22 | 2017-02-22 | Method and system for updating validity period of credit card of buyer on cross-country trade electronic commerce platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710097632.8A CN106897868B (en) | 2017-02-22 | 2017-02-22 | Method and system for updating validity period of credit card of buyer on cross-country trade electronic commerce platform |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106897868A CN106897868A (en) | 2017-06-27 |
| CN106897868B true CN106897868B (en) | 2021-06-11 |
Family
ID=59185007
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710097632.8A Active CN106897868B (en) | 2017-02-22 | 2017-02-22 | Method and system for updating validity period of credit card of buyer on cross-country trade electronic commerce platform |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106897868B (en) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110930247A (en) * | 2020-01-22 | 2020-03-27 | 优比付(杭州)科技有限公司 | Credit card state detection method and risk control method for credit card payment by installments |
| CN114036172A (en) * | 2021-11-29 | 2022-02-11 | 中国银行股份有限公司 | Bank card life cycle dynamic release method and related equipment |
| CN115459985A (en) * | 2022-09-02 | 2022-12-09 | 中国银行股份有限公司 | Credit card information change processing method and device |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1244270A (en) * | 1996-09-04 | 2000-02-09 | 普莱斯兰通信有限公司 | Conditional purchase offer management systems |
| CN1725253A (en) * | 2004-07-23 | 2006-01-25 | 冲电气工业株式会社 | Transation system and device and settlement system |
| CN103403745A (en) * | 2012-02-29 | 2013-11-20 | 乐天株式会社 | Information processing device, information processing method, information processing program, and recording medium |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120143754A1 (en) * | 2010-12-03 | 2012-06-07 | Narendra Patel | Enhanced credit card security apparatus and method |
| AU2013206449A1 (en) * | 2012-06-20 | 2014-01-16 | Visa International Service Association | Multi-channel remote payment apparatuses, methods and systems |
| US9256870B1 (en) * | 2014-12-02 | 2016-02-09 | Mastercard International Incorporated | Methods and systems for updating expiry information of an account |
-
2017
- 2017-02-22 CN CN201710097632.8A patent/CN106897868B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1244270A (en) * | 1996-09-04 | 2000-02-09 | 普莱斯兰通信有限公司 | Conditional purchase offer management systems |
| CN1725253A (en) * | 2004-07-23 | 2006-01-25 | 冲电气工业株式会社 | Transation system and device and settlement system |
| CN103403745A (en) * | 2012-02-29 | 2013-11-20 | 乐天株式会社 | Information processing device, information processing method, information processing program, and recording medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106897868A (en) | 2017-06-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US8554678B2 (en) | Transaction processing using a global unique identifier | |
| US8706622B2 (en) | Account holder demand account update | |
| US8479980B2 (en) | System and method for electronic prepaid account replenishment | |
| US20120036045A1 (en) | Methods and Systems for Reserving and Completing Purchases | |
| US20020096563A1 (en) | Method and apparatus for an online subscription system | |
| US20090327133A1 (en) | Secure mechanism and system for processing financial transactions | |
| US20100042540A1 (en) | Bill Payment Card Method and System | |
| US20100293065A1 (en) | System and method for paying a merchant using a cellular telephone account | |
| US20110039585A1 (en) | Systems and methods for processing purchase transactions between mobile phones | |
| EP1010148A1 (en) | Method for electronically vending, distributing, and recharging of pre-paid value, a vending machine and an electronic system for use therein | |
| US20150154587A1 (en) | System and method for applying credits from third parties for redemption at member retailers | |
| US20140114853A1 (en) | Online payment system and method according to the mirror authorization server principle | |
| EA010957B1 (en) | Remotely instantly coupon–reloadable prepaid payment card | |
| CN106897868B (en) | Method and system for updating validity period of credit card of buyer on cross-country trade electronic commerce platform | |
| US20070106611A1 (en) | Method and system for preventing identity theft and providing credit independent completion of transactions | |
| AU2009203205B2 (en) | Payment System | |
| JP2020071842A (en) | Information processing system, medium access terminal, information processing method, and program | |
| US7937299B1 (en) | Systems and methods for preauthorizing check transactions | |
| CN111951001A (en) | A prepaid card management system | |
| TWM600884U (en) | Reward points instantly redemption system | |
| CN108564354B (en) | Settlement method, service platform and server | |
| AU2018101214A4 (en) | Payment system | |
| NZ564135A (en) | Automated reconciliation of transaction records | |
| US20030144908A1 (en) | System and method for point-of-sale training concerning prepaid service transactions | |
| WO2001022333A9 (en) | Electronic prefunded purchasing unit account funding network and method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20180718 Address after: 100080 1-701-1 seven, level 28, Cheng Fu Road, Haidian District, Beijing. Applicant after: Digital Trade Technology (Beijing) Co., Ltd. Address before: 100083 floor 8, A block, you Sheng mansion, 28 Cheng Fu Road, Haidian District, Beijing. Applicant before: Century Light Technology Development (Beijing) Co., Ltd. |
|
| GR01 | Patent grant | ||
| GR01 | Patent grant |