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Method and system for updating buyer credit card expiry date on cross-border trade e-commerce platform

An e-commerce platform and update method technology, which is applied in the field of updating the validity period of buyers' credit cards on cross-border trade e-commerce platforms, can solve problems such as customers' inability to pay, adverse effects on customer experience, and cardholders not remembering, etc.

Active Publication Date: 2017-06-27
数贸科技(北京)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Under the existing model, customers are often accustomed to directly inputting CVV for payment, or in some channels, cross-border trade e-commerce platforms allow customers to complete payment without inputting CVV. This is also for the convenience of some customers who do not have the habit of carrying credit cards with them. , so when the credit card expires, it may cause the cardholder to fail to pay because the cardholder does not remember the validity period of the new card, which will adversely affect the customer experience and GMV of the cross-border trade e-commerce platform

Method used

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  • Method and system for updating buyer credit card expiry date on cross-border trade e-commerce platform
  • Method and system for updating buyer credit card expiry date on cross-border trade e-commerce platform
  • Method and system for updating buyer credit card expiry date on cross-border trade e-commerce platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0126] Attached Figure 1-3 It can be seen that it is a method for updating the validity period of a buyer's credit card on a multinational trade e-commerce platform, including an e-commerce platform, including: a buyer's credit card validity period active update system and a buyer's credit card validity period instant update system.

[0127] The buyer's credit card validity period active update system is an e-commerce platform that actively updates the buyer's credit card validity period on a regular basis.

[0128] The e-commerce platform has established a customer credit card data model.

[0129] Customer credit card data model includes: automatic update information of credit card validity period and customer credit card token information;

[0130] Automatic update information of credit card validity period: used to record the updated information of the cardholder’s credit card validity period;

[0131] Customer credit card token information; used to record the credit card token inf...

Embodiment 2

[0166] Such as figure 1 As shown, the buyer sets the process of updating the credit card validity period:

[0167] 1. Buyers set the option of automatic renewal of credit card validity period in the backstage of multinational trade e-commerce;

[0168] 2. The multinational trade e-commerce platform judges whether the customer's credit card type is GIFT or PREPAID card. If the credit card type is GIFT or PREPAID card, it will prompt the customer that this type of credit card does not support automatic renewal of the validity period. GIFT and PREPAID cards are non-real-name credit cards, and most of them are temporary, so there is no need to update the validity period.

[0169] 3. If the credit card type is not a GIFT or PREPAID card, the buyer will register the credit card validity period to automatically update the information. The update automatic update flag is Yes, and the status is normal.

[0170] Such as figure 2 Shown, the credit card validity period JOB automatic update proce...

Embodiment 3

[0181] Such as image 3 As shown, in the case of the expiration of the credit card validity period in the payment link, the multinational trade e-commerce platform automatically updates the cardholder according to whether the cardholder has set the update, so as to obtain the new validity period and initiate the payment request again. The specific process is as follows:

[0182] 1. Cardholders browse goods on the transnational trade e-commerce platform;

[0183] 2. The cardholder places an order;

[0184] 3. The cardholder enters the corresponding credit card information, such as credit card number, expiration date, CVV and billing information;

[0185] 4. The e-commerce platform for transnational trade initializes payment information;

[0186] 5. The multinational trade e-commerce platform forwards the cardholder’s payment request to the payment gateway for processing;

[0187] 6. The payment gateway forwards the cardholder's payment information to the acquiring bank for processing;

[0...

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Abstract

The present invention relates to a method and a system for updating the buyer credit card expiry date on a cross-border trade e-commerce platform. The system comprises a buyer credit card expiry date actively updating system and a buyer credit card expiry date immediately updating system. The buyer credit card expiry date actively updating system is the system for actively updating buyer credit card expiry date by the e-commerce platform, the e-commerce platform establishes a customer credit card data model, and the customer credit card data model comprises credit card expiry date automatic update information and customer credit card token information. According to the method and the system for updating the buyer credit card expiry date on the cross-border trade e-commerce platform disclosed by the present invention, the problem that the buyer credit card cannot perform payment normally due to that the buyer credit card is expired on the cross-border B2B trade e-commerce platform is solved, the customer payment experience is effectively enhanced, and the success rate of payment is improved.

Description

Technical field [0001] The invention relates to a cross-border trade e-commerce field, in particular to a method and system for updating the validity period of a buyer's credit card on a cross-border trade e-commerce platform. Background technique [0002] The transnational trade e-commerce platform is a transnational trade platform for more than 200 countries around the world, with customers all over the world, including individual customers, enterprises, governments, etc. As the most commonly used payment method for customers in the field of cross-border trade, credit cards account for more than 95% of payments on cross-border trade e-commerce platforms. Generally, credit cards have a certain validity period during the issuance process, usually 5 or 10 years. After the credit card expires, normal transactions cannot be performed. [0003] In actual business, in order to improve the customer experience of the multinational trade e-commerce platform and reduce customers’ repeated ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/24G06Q20/40
CPCG06Q20/102G06Q20/24G06Q20/4018G06Q20/405
Inventor 赵红强
Owner 数贸科技(北京)有限公司
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