Method and system for updating validity period of buyer's credit card 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 transnational trade e-commerce platforms, can solve problems such as customers being unable to pay, cardholders not remembering, and adverse effects on customer experience, so as to improve customer payment experience, Convenient payment, improve the effect of GMV

Active Publication Date: 2021-06-11
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 validity period of buyer's credit card on cross-border trade e-commerce platform
  • Method and system for updating validity period of buyer's credit card on cross-border trade e-commerce platform
  • Method and system for updating validity period of buyer's credit card 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 transnational trade e-commerce platform, including an e-commerce platform, including: a system for actively updating the validity period of a buyer's credit card and a system for instantly updating the validity period of a buyer's credit card.

[0127] The active update system for the validity period of buyers' credit cards is that the e-commerce platform actively updates the validity period of buyers' credit cards on a regular basis.

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

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

[0130] Credit card validity period automatic update information: used to record the update information of the cardholder's credit card validity period;

[0131] Customer credit card ...

Embodiment 2

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

[0167] 1. The buyer sets the automatic renewal option of the validity period of the credit card in the background of cross-border trade e-commerce;

[0168] 2. The cross-border 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, most of which 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, then register the credit card validity period for the buyer to automatically update the information, the automatic update is marked as Yes, and the status is normal.

[0170] like figure 2 As shown, the credit card validity period J...

Embodiment 3

[0181] like image 3 As shown, for the expiration of the validity period of the credit card in the payment process, the cross-border trade e-commerce platform will automatically update according to whether the cardholder has set up, so as to obtain the new validity period and initiate a payment request again. The specific process is as follows:

[0182] 1. The cardholder browses commodities 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, validity period, CVV and billing information, etc.;

[0185] 4. The cross-border trade e-commerce platform initializes the payment information;

[0186] 5. The transnational 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;

...

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Abstract

The present invention relates to a method and system for updating the validity period of a buyer's credit card on a transnational trade e-commerce platform, wherein the method includes: a system for actively updating the validity period of a buyer's credit card and a system for immediately updating the validity period of a buyer's credit card; the system for actively updating the validity period of a buyer's credit card is an electronic The business platform actively updates the validity period of the buyer's credit card on a regular basis. The e-commerce platform establishes a customer credit card data model, which includes: automatic renewal information of the credit card validity period and customer credit card token information. The method for updating the validity period of the buyer's credit card on the transnational trade e-commerce platform of the present invention solves the problem that the buyer's credit card on the transnational trade B2B e-commerce platform A cannot pay normally after the validity period expires, effectively improves the customer's payment experience, and at the same time improves the payment success Rate.

Description

technical field [0001] The present invention relates to a field of transnational trade e-commerce, in particular to a method and system for updating the validity period of a buyer's credit card on a transnational trade e-commerce platform. Background technique [0002] As a transnational trade platform for more than 200 countries around the world, the transnational trade e-commerce platform has customers all over the world, including individual customers, enterprises, governments and so on. 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 e-commerce platforms for cross-border trade. Usually, credit cards have a certain validity period during the issuance process, usually 5 or 10 years. After the credit card expires, normal transactions will not be possible. [0003] In actual business, in order to improve the customer experience of the cross-border trade e-commerce platform and r...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/10G06Q20/24G06Q20/40
CPCG06Q20/102G06Q20/24G06Q20/4018G06Q20/405
Inventor 赵红强
Owner 数贸科技(北京)有限公司
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