Automation method and system for American express credit card refund of cross-border e-commerce platform

An e-commerce platform and credit card technology, applied in point-of-sale network systems, payment schemes/models, payment systems, etc., can solve problems such as complex operating procedures, high operating costs, and high operational risks for financial personnel, and improve operational efficiency, The effect of reducing operating costs and reducing operational risks

Inactive Publication Date: 2017-07-18
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

In this process, the operation process of financial personnel is complicated, the operating cost is high, and there is a relatively high operational risk, because the card number and refund amount contained in the final refund file in this process may be artificially adjusted, and in In the process of mail transmission, there is also the possibility of certain information leakage

Method used

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  • Automation method and system for American express credit card refund of cross-border e-commerce platform
  • Automation method and system for American express credit card refund of cross-border e-commerce platform
  • Automation method and system for American express credit card refund of cross-border e-commerce platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0056] Such as figure 1 , figure 2 As shown, step 100 is executed, and the American Express credit card holder initiates an American Express card refund request at the foreground through the request module 200 . Step 110 is executed, and the matching module 210 performs original transaction matching. If the original transaction does not exist, then step 115 is executed, the matching module 210 sends relevant information to the execution module 240, and the execution module 240 prompts the American Express credit card holder that the transaction does not exist, and the refund cannot be initiated. If the original transaction exists, execute step 120, the matching module 210 sends the refund request to the amount judging module 220, and the amount judging module 220 judges whether the refund amount is greater than the refundable remaining amount, and the refundable remaining amount=transaction amount-refunded amount. If the amount judging module 220 judges that the refund amo...

Embodiment 2

[0059] Such as image 3 As shown, step 300 is executed, and the Bank of China Beijing Branch summarizes the refund records of the American Express credit cards sent to the branch. Step 310 is executed, and at regular intervals, the Beijing branch of the Bank of China transfers the collected American Express credit card refund records to the head office of the Bank of China in a centralized manner. Step 320 is executed, the staff of the head office of the Bank of China organizes and summarizes the American Express credit card refund records transmitted by each branch, and then submits the summarized American Express credit card refund records to the American Express credit card organization. Step 330 is executed, and the Hong Kong office of the American Express credit card organization judges the refund record according to the card-issuing region. If the Amex credit card is not a credit card issued in Hong Kong, execute step 335 to forward the refund transaction of the Amex cr...

Embodiment 3

[0061] Such as Figure 4 As shown, offline virtual refund record registration information: used to record information about offline refunds of American Express credit cards. Information includes: buyer id, seller id, payment serial number, payment amount, payment currency, refund amount, refund currency, refund serial number, refund time, sending logo, sending time, etc. It can be seen that the clear text American Express credit card number information is not registered in it. To meet the requirements of PCI, the clear text card number is guaranteed not to be stored in any data table, and the generated offline refund file will be transmitted to the Bank of China in an encrypted manner.

[0062] PCI refers to the Payment Card Industry Data Security Standard (PCI DSS), which is a set of widely accepted policies and procedures aimed at optimizing the security of credit card, debit card and cash card transactions and protecting cardholders. People's personal information has been ...

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Abstract

The invention provides an automation method and system for American express credit card refund of a cross-border e-commerce platform, and the method comprises the step that an American express credit card holder initiates an American express credit card refund request, and also comprises the steps: carrying out the original transaction matching according to a matching rule, carrying out the execution and judgment of the refund request according to a refund amount, judging the type of refund transaction according to a time limit rule, and carrying out the refund processing according to the type of the refund transaction. According to the invention, the method enables a part of manual operation to be converted into automatic operation, avoids a condition that the number of manual contact time is large in a transmission process of the number of a credit card, employs an encryption mode for transmission, and also avoids the risk of information leakage. The method reduces a large amount of manual operation, guarantees that the system can automatically process the refund flow of the American express credit card refund of a foreign trade e-commerce platform, reduces the operation risks, and improves the operation efficiency.

Description

technical field [0001] The invention relates to the field of network e-commerce services, in particular to a method and system for automatic refund of American Express credit cards on a cross-border e-commerce platform. Background technique [0002] American Express credit card (American Express) is a relatively high-end credit card type in the world. The average order amount of its cardholders on the foreign trade e-commerce platform is more than double that of VISA and Master Card. At the same time, the proportion of B-type corporate customers is also higher than that of other international card brands. Due to the development and plan of American Express for non-US markets, objectively there is an American Express credit card acquirer connected to the foreign trade e-commerce platform through the payment gateway that cannot support online refunds and can only be operated through offline processes. [0003] In the existing offline refund process of the American Express cre...

Claims

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Application Information

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IPC IPC(8): G06Q20/20G06Q20/24G06Q20/40G06Q20/42
CPCG06Q20/202G06Q20/24G06Q20/3415G06Q20/4018
Inventor 赵红强孙展
Owner 数贸科技(北京)有限公司
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