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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

Inactive Publication Date: 2018-02-23
广州市万表科技股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, this type of fund operation logic, if the user uses a credit card to pay, the temporary deposit of funds cannot be realized, and must be returned to the credit card account paid by the user in the same way to prevent the user from withdrawing cash.

Method used

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  • Credit card account capital management method and system
  • Credit card account capital management method and system
  • Credit card account capital management method and system

Examples

Experimental program
Comparison scheme
Effect test

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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Abstract

The invention relates to a credit card account capital management method and system. The method comprises the following steps that: a temporary capital pool is newly built in a platform database; a first-in first-out algorithm is adopted to operate capitals in the temporary capital pool during consumption or refunding; and zero clearing is performed on the temporary capital pool at a preset fixedtime of each month. According to the method of the invention, the temporary capital pool is newly built in the platform database, when refunding occurs, it does not need to withdraw the capital of a user to the payment credit card account of the user along an original path, instead, the capitals in the credit card are stored in the temporary capital pool; the user can either perform consumption byusing the capitals in the capital pool, or apply for withdrawing the capitals along the original path; and by means of the temporary capital pool, a condition that consumed capitals must be withdrawnalong an original path after an order paid by the credit card of the user is cancelled can be avoided, and the problem of the capital inflow and outflow of the credit card of the consumer can be solved.

Description

technical field [0001] The invention relates to the technical field of e-commerce platforms, in particular to a credit card account fund management method and system. Background technique [0002] When e-commerce platforms handle users’ refund requests, they usually store the users’ refund funds in the fund pool to facilitate users’ cash withdrawal or consumption. For example, Alipay, WeChat Wallet, and JD Wallet all operate in this way. However, this kind of fund operation logic, if the user uses a credit card to pay, the temporary deposit of funds cannot be realized, and it must be returned to the credit card account paid by the user in the same way to prevent the user from withdrawing cash. Contents of the invention [0003] In order to overcome the deficiency in the prior art that the original route must be returned to the credit card account paid by the user, the present invention provides a credit card account fund management method and system. [0004] The technica...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/24G06Q20/40
CPCG06Q20/102G06Q20/24G06Q20/407
Inventor 叶玉成陈文锋李蔼璇徐其荣邓江华彭小红
Owner 广州市万表科技股份有限公司
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