Payment method containing payment card updating

Abstract

The invention relates to a trade payment method, in particular to an affordable and convenient payment method containing payment card updating. The invention is characterized in that a payment card management platform is embedded in a payment method based on an instant message. An instant message receiving destination of payment card consumption is set as the payment card management platform, and when a payment card sends the instant message, the payment card management platform returns corresponding discount information to a payment card consumption terminal to complete payment after extracting the content of the instant message and making business logical judgment. A consumer only needs to charge without consuming firstly, and updates the member grade according to the charging limit. Particularly, a method of adopting card alliance to update charging solves the problem that the current account of a single card-held user is difficult to update the grade of a consumer card, thereby enabling the member updating not to be difficult, and meanwhile, the consumer can obtain the higher preferential amount, further promoting the consumption positivity, raising the sale limit of trade companies and increasing the economic benefits of the society.

Description

technical field [0001] The invention relates to a transaction payment method, in particular to an affordable and convenient payment method including payment card upgrade. Background technique [0002] With the advancement of science and technology and the development of society, great changes have taken place in domestic consumption patterns, and the phenomenon of using IC cards for shopping and consumption can be seen everywhere. In order to increase consumers' loyalty to various merchants and promote consumption, many merchants regard customers whose consumption expenses reach a certain amount as their members, and divide different membership levels according to the consumption amount. Members of different levels enjoy different discounts, so that Expand consumer groups, promote consumption, and enhance economic benefits. [0003] At present, merchants and enterprises generally upgrade their membership levels based on the membership consumption quota. The current membersh...

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