TWM646477U - Buy-now-pay-later credit card system - Google Patents

Abstract

A buy now, pay later credit card system includes an online banking server, a credit card server and a customer information server electrically connected to the online banking server. A computer device of a user establishes a connection with the online banking server through a link URL of a cooperative card application recommendation advertisement, so that the online banking server verifies the identity and determines a customer property information of the user When an asset threshold is met, a credit card application webpage is provided, thereby causing the online banking server to combine an identity information of the user, multiple consumption and repayment settings selected by the computer device, and an identification of the corresponding product. code is sent to the credit card server. The credit card server approves a credit card corresponding to the user and sets the consumption and repayment settings of the credit card corresponding to the product.

Description

Buy Now Pay Later Credit Card System

The present invention relates to a credit card system, in particular to a buy now, pay later credit card system that provides a longer-term buy now, pay later service according to a set type.

Buy Now, Pay Later (Buy Now, Pay Later) is a concept similar to when consumers have short-term financial needs. It allows consumers to purchase products without paying immediately and pay them off in one lump sum or in installments within a subsequent agreed period. This consumption model allows consumers without credit cards to enjoy installment financial services. However, because this type of consumer’s personal credit report does not exist in the Lianzheng system, the consumer’s spending power, repayment ability, or debt status cannot be confirmed by the bank, and they can only rely on various providers. Buy now, pay later service platform to control. Therefore, whether there are other systems to manage the financial risks of consumers who buy now, pay later has become an issue to be solved.

Therefore, the purpose of the present invention is to provide a buy now, pay later credit card system that provides longer-term buy now, pay later service according to the set type.

Therefore, the present invention provides a buy now, pay later credit card system, which is suitable for a computer device and includes an online banking server, a customer information server, and a credit card server. The online banking server is used to provide a bank's online services. The customer data server is electrically connected to the online banking server and is used to store multiple customer property data of the bank corresponding to multiple customers. The credit card server is electrically connected to the online banking server and is used to process credit card services.

Among them, the computer device establishes a connection with the online banking server through a link URL of a cooperative card application recommendation advertisement related to the bank and a product, so as to transmit a user's identity information to the Internet banking server. The online banking server transmits the identity information to the customer information server to obtain the customer property information of the customer that matches the identity information.

When the online banking server determines that the customer's property information meets an asset threshold and the customer does not have any credit card of the bank, it provides a credit card application web page to the computer device, allowing the computer device to select and transmit multiple consumption and Repayment settings are set to the online banking server. The online banking server transmits the identity information, the consumption and repayment settings, and an identification code corresponding to the product to the credit card server, so that the credit card server approves the credit card corresponding to the user, and Based on the identification code and the consumption and repayment settings, set the consumption and repayment settings of the credit card corresponding to the product.

In some implementations, the customer property information includes a total amount of assets of the customer in the bank. The asset threshold is when the total assets are greater than a set amount.

In other implementations, the customer property information includes a total asset of the customer in the bank, and a value of securities of the customer in a securities company that is also part of the bank's group. The asset threshold is when the sum of the total assets and the value of the securities is greater than a set amount.

In some implementations, the online banking server can also adjust the asset threshold in advance based on the price of the commodity.

In other implementations, the consumption and repayment settings include a limit and deferred payment time, an installment number, and a prepayment amount.

In some implementations, the credit card server stores a commodity industry code (MCC), a summary, and a store code (MERCH) corresponding to the credit card of the customer based on the identification code of the product. When the credit card server receives a credit card transaction data from the customer's credit card, and determines that the credit card transaction data matches the product, the product industry code, the abstract, and the store code, authorizes the card transaction data corresponding to the credit card transaction data. The one-swipe transaction is approved.

The function of this new model is: when the online banking server verifies that the user is a customer of the bank and determines that the customer's property information meets the asset threshold, it provides the credit card application webpage to the computer device to obtain the use The consumption and repayment settings selected by the user can notify the credit card server to approve the credit card and set the consumption and repayment settings of the credit card corresponding to the product. In this way, not only will consumers who do not have credit cards be able to implement buy now, pay later financial services based on the consumption and repayment settings they choose, the bank will also be able to evaluate the user based on their customer property information. consumption ability, repayment ability, or debt status, thereby reducing the financial risk of default.

Before the present invention is described in detail, it should be noted that similar elements are represented by the same numbers in the following description.

Referring to Figure 1, one embodiment of the new buy now, pay later credit card system is suitable for a user's computer device 4, belongs to a bank, and includes an online banking server 1, a credit card server 2, and A customer data server 3. In this embodiment, the computer device 4 is a smart phone, but in other embodiments, the computer device 4 can also be a computer host, a notebook computer, a tablet computer, or other devices with networking capabilities. computing equipment.

The customer data server 3 is electrically connected to the online banking server 1 and is used to store multiple customer property data of the bank corresponding to multiple customers. In this embodiment, the customer property information includes a corresponding total asset of the customer in the bank, and the value of a securities of the customer in a securities company that is also part of the bank's group. In other embodiments, when the bank's group does not include the securities company, the customer property information may also include the corresponding total assets of the customer in the bank.

The credit card server 2 is electrically connected to the online banking server 1 and is used to process credit card services. The online banking server 1 is used to provide the bank's online services. The customer information server 3, the credit card server 2, and the credit card server 2 are, for example, one or more computer servers, and include one or more central processors, and a communication electrically connected to the central processors. module (such as a network card or wireless communication module) and a storage module (such as a memory and a hard disk).

When the user browses a recommended advertisement about the bank and a product on the Internet through the computer device 4, for example, when certain tickets or products will be released in advance and online advertisements will be placed on the Internet. , the computer device 4 clicks a link URL of the cooperative card application recommendation advertisement through the user's operation, so that the computer device 4 establishes a connection with the online banking server 1 . At this time, the online banking server 1 provides content on the link website about applying for a buy now, pay later credit card to enjoy exclusive delayed payment for consumption, and welcomes applications from customers without credit cards, so that the user can learn the relevant information.

When the user is willing to apply for a credit card, the computer device 4 inputs and transmits an identity information of the user to the online banking server 1 on the web page of the link website. The identity information is, for example, a name and an ID card number. After receiving the identity information, the online banking server 1 transmits the identity information to the customer information server 3 to obtain the customer property information of the customer that matches the identity information. It is also worth mentioning that when the online banking server 1 cannot search for the customer who matches the identity information in the customer property information stored in the customer information server 3, then the online banking server 1 1. Send a message that a credit card cannot apply for this service to the computer device 4 to notify the user.

Next, the online banking server 1 determines whether the customer property information of the customer (ie, the user) meets an asset threshold and whether the customer does not have any credit card of the bank. In this embodiment, the asset threshold is that the sum of the total assets and the value of the securities is greater than a set amount (such as 40,000 yuan). When the online banking server 1 determines that the customer's property information meets the asset threshold and the customer does not have any credit card of the bank, it provides a credit card application web page to the computer device 4 . In other embodiments, the online banking server 1 can also pre-adjust the asset threshold according to the price of the product. For example, the higher the price of the product, the higher the asset threshold, and has stored the product in advance. The corresponding relationship between the price and the asset threshold.

The credit card application webpage includes, for example, the name and picture provided by the bank and corresponding to the credit card, an option of an international card issuing organization, another option of an electronic ticket, multiple consumption and repayment settings, and an option corresponding to the product. Activity parameter settings. The consumption and repayment settings include an option for a limit and a delayed payment time, an option for the number of installments, and an option for a prepayment amount. For example, if the product is a smartphone from Company A and the price is 29,900 yuan, and the cooperative card application recommendation advertisement indicates that the product needs to be purchased on the official website of Company A, then the activity parameters are set to a URL of the official website, the amount If the delayed payment time is 30,000 yuan (indicates the amount) and the delayed payment is two months, the number of installments is 3, 6, or 12 installments, and the prepayment amount is 1,000 yuan.

The user selects the consumption and repayment settings on the credit card application webpage through the computer device 4, and transmits the consumption and repayment settings to the online banking server 1. The bank server transmits the identity information, the consumption and repayment settings, and an identification code corresponding to the product to the credit card server 2, so that the credit card server 2 approves a credit card corresponding to the user, And based on the identification code and the consumption and repayment settings, set the consumption and repayment settings of the credit card corresponding to the product. The credit card server 2 also stores a Merchant Category Code (MCC, also known as a store industry code, which is a four-digit number allocated by the financial industry) corresponding to the credit card of the customer based on the identification code of the product. code), a summary (i.e. consumption summary), and a store code (MERCH, which is a special store code). That is to say, the credit card server 2 pre-stores the relevant application parameters and settings of the credit card corresponding to the identification code (i.e., the product), so it can, according to the received identification code and the consumption and repayment settings, Complete the credit card approval and setup.

When the user receives the credit card and performs a credit card transaction under the conditions set by the activity parameters corresponding to the product, such as Company A's official website, the credit card server 2 receives a message from the customer's credit card. Collect the card transaction data and determine whether the card transaction data matches the product, the product industry code, the summary, and the store code. When the credit card server 2 determines that the card transaction data matches the product, the product industry code, the summary, and the store code, it authorizes the card transaction corresponding to the card transaction data to be approved. Card transaction approved.

To sum up, this new model uses the online banking server 1 to provide the following information when verifying that the user is a customer of the bank and judging that the customer's property information meets the asset threshold and that the customer does not have any credit card of the bank. The credit card application web page goes to the computer device 4 to obtain the consumption and repayment settings selected by the user, and can notify the credit card server 2 to approve the credit card and set the consumption and repayment settings of the credit card corresponding to the product. Repayment settings. In this way, not only will consumers who do not have credit cards be able to implement buy now, pay later financial services based on the consumption and repayment settings they choose, the bank will also be able to evaluate the user based on their customer property information. consumption ability, repayment ability, or debt status, and reduce the financial risk of default, so the purpose of this new type can indeed be achieved.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

1: Internet banking server 2:Credit card server 3:Customer data server 4: Computer device

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram illustrating an embodiment of the new buy now, pay later credit card system.

1: Internet banking server

2:Credit card server

3:Customer data server

4: Computer device

Claims (6)

A buy now, pay later credit card system adapted to a computer device and comprising: An online banking server, used to provide a bank's online services; A customer data server, electrically connected to the online banking server, and used to store multiple customer property data of the bank corresponding to multiple customers; and A credit card server electrically connected to the online banking server and used to process credit card services; Among them, the computer device establishes a connection with the online banking server through a link URL of a cooperative card application recommendation advertisement related to the bank and a product, so as to transmit a user's identity information to the The online banking server transmits the identity information to the customer information server to obtain the customer property information of the customer that matches the identity information, When the online banking server determines that the customer's property information meets an asset threshold and the customer does not have any credit card of the bank, it provides a credit card application web page to the computer device, allowing the computer device to select and send multiple consumption and The repayment settings are sent to the online banking server, and the online banking server sends the identity information, the consumption and repayment settings, and an identification code corresponding to the product to the credit card server, so that the credit card server Approving the credit card corresponding to the user, and setting the consumption and repayment settings of the credit card corresponding to the product based on the identification code and the consumption and repayment settings. The buy now, pay later credit card system as described in claim 1, wherein the customer property information includes a total asset of the customer in the bank, and the asset threshold is that the total asset is greater than a set amount. The buy now, pay later credit card system as described in request item 1, wherein the customer property information includes a total asset of the customer in the bank, and the value of a securities of the customer in a securities company that is also part of the bank's group , the asset threshold is when the sum of the total assets and the value of the securities is greater than a set amount. The buy now, pay later credit card system described in claim 2 or 3, wherein the online banking server can also adjust the asset threshold in advance based on the price of the product. The buy now, pay later credit card system as described in claim 1, wherein the consumption and repayment settings include a limit and delayed payment time, an installment number, and a prepayment amount. The buy now, pay later credit card system as described in claim 5, wherein the credit card server stores a commodity industry code (MCC), a summary, and a store corresponding to the customer's credit card based on the identification code of the product. Code (MERCH), when the credit card server receives a card transaction data from the customer's credit card, and determines that the card transaction data matches the product, the product industry code, the summary, and the store code, authorize Approval of a card swipe transaction corresponding to the card swipe transaction information.

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