Credit card account capital management method and system
A fund management and credit card technology, which is applied in the field of e-commerce platforms, can solve problems such as the inability to realize temporary deposit of funds, and achieve the effect of convenient account reconciliation and efficient utilization
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Embodiment 1
[0025] see Figure 1-4 , a credit card account fund management method, comprising:
[0026] S11, creating a temporary fund pool in the platform database;
[0027] The credit card account fund management method of this solution can be used in various e-commerce platforms that use credit card payment for fund management. For the order paid by the user using a credit card, after applying to cancel the order or return the product, the amount paid by the user will not be directly refunded to the credit card paid by the user, but will stay in the temporary fund pool of the credit card. Users can check the refund amount through the personal center. This amount is actually stored in the bank account of the e-commerce platform. Users can use this amount for consumption and refunds, but they cannot withdraw funds to prevent users from cashing out credit cards. .
[0028] S12. The first-in-first-out algorithm is used to operate the funds in the temporary fund pool when consuming and r...
Embodiment 2
[0051] see Figure 5 , a credit card account fund management system, comprising: a temporary fund pool building module 11, a consumer refund module 12 and a clearing module 13; the temporary fund pool building module 11 is used to create a new temporary fund pool in a platform database; The consumption refund module 12 is used to operate the first-in-first-out algorithm for consumption and refund of the funds in the temporary fund pool; the clearing module 13 is used for preset At a fixed time, the temporary fund pool is cleared.
[0052] In this embodiment, the clearing module 13 is also used to return the funds in the temporary fund pool to the user's credit card.
[0053] In this embodiment, the first-in-first-out algorithm includes: building a queue: constructing a queue, a queue head pointer, and a queue tail pointer in the database or in memory; when the queue was initialized, the queue head pointer and the queue tail pointer pointed to the head of the queue Position; ...
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