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Guaranteed payment method and system for credit card

A payment system and credit card technology, applied in the secured payment field of credit cards, can solve the problems of credit card information leakage and stolen brushing, etc., and achieve the effect of reducing the risk of leakage and stolen brushing.

Active Publication Date: 2021-08-13
CTRIP COMP TECH SHANGHAI
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The technical problem to be solved by the present invention is to provide a guarantee payment method for credit cards in order to overcome the disadvantages of credit card guarantee methods in the prior art, which make it easier for hotels to obtain credit card information of users, and easily cause credit card information leakage and the risk of being stolen. and system

Method used

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  • Guaranteed payment method and system for credit card
  • Guaranteed payment method and system for credit card
  • Guaranteed payment method and system for credit card

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0048] Such as figure 1 As shown, the credit card guarantee payment method of this embodiment includes the following steps:

[0049] Step 110, acquiring the reservation order information of the user.

[0050] Wherein, the reservation order information includes order information, guarantee information and credit card information used for guarantee.

[0051] Step 120, generate a payment process code according to the credit card information, and send it to the merchant.

[0052] In this embodiment, the credit card information includes CVV code, card number and other information required for deduction.

[0053] Step 120 specifically includes:

[0054] The payment process code is generated after encrypting and mixing the CVV code.

[0055] When the user Noshow, the merchant (for example, a hotel) will initiate a guarantee deduction request. Wherein, the guarantee deduction request includes the payment process code to be verified.

[0056] Step 130, receiving the guarantee ded...

Embodiment 2

[0061] Embodiment 2 is basically the same as Embodiment 1, as figure 2 As shown, the difference is that in this embodiment, step 120 also includes:

[0062] Dynamically generate a query link based on credit card information and send it to the merchant along with the order information.

[0063] Before step 130, it also includes:

[0064] Step 121, when the query link is triggered, generate a query interface.

[0065] The query link can be triggered by clicking or password login. Merchants can query the guarantee information through the query interface, generally before the deduction operation. Guarantee information includes information such as guarantee time and guarantee amount provided by the user. The merchant enters the payment process code on the query interface, and triggers the controls in the interface to generate a query request. Wherein, the query request includes the payment process code to be verified, that is, the payment process code input by the merchant on...

Embodiment 3

[0075] Such as image 3 As shown, the guaranteed payment system of the credit card of the present embodiment includes: an order information acquisition module 1, a calculation module 2, a receiving module 3, a verification module 4, a query interface generation module 5, a recording module 6, a first alarm module 7 and a second Alarm module 8.

[0076] The order information obtaining module 1 is used to obtain the reservation order information of the user. Wherein, the reservation order information includes order information, guarantee information and credit card information used for guarantee. Credit card information includes CVV code, card number and other information required for deduction.

[0077] The calculation module 2 is used to dynamically generate query links and payment process codes according to credit card information, and send them to merchants together with order information. Specifically, the computing module includes: an encryption unit. The encryption un...

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PUM

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Abstract

The invention discloses a credit card guarantee payment method and system. The guaranteed payment method comprises the following steps: S 1 1. Obtain the user's reservation order information; the reservation order information includes credit card information for guarantee; S 2 , generating a payment process code according to the credit card information, and sending it to the merchant; S 3 1. Receive the guarantee deduction request from the merchant; the guarantee deduction request includes the payment process code to be verified; S 4 1. Verifying the payment process code to be verified, and sending the credit card information to the merchant when the verification is passed. In the present invention, when the user generates a reservation order, what is sent to the merchant is the payment process code generated according to the credit card information instead of the credit card information. The credit card information is sent to the merchant, which greatly reduces the risk of credit card information leakage and theft.

Description

technical field [0001] The invention relates to a credit card guarantee payment method and system, in particular to a credit card guarantee payment method and system applied to overseas hotel reservations. Background technique [0002] At present, it is more and more accepted by merchants and consumers to use the way of credit card guarantee to reserve goods. Taking overseas hotel booking as an example, after the user reserves the hotel on the e-commerce website and guarantees it with a credit card, the e-commerce website will issue the reservation order to the hotel, and at the same time record the credit card information provided by the user in PDF (Portable Document Format) and encrypt it Afterwards, the reservation form is sent to the hotel, and the hotel can directly obtain the user's credit card information with a password. When the guest has a Noshow (reservation no show), the hotel can operate the deduction according to the obtained credit card information at any ti...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/24G06Q20/38G06Q20/40G06Q50/12
CPCG06Q20/24G06Q20/382G06Q20/4018G06Q50/12
Inventor 陆雯雯尤佳明
Owner CTRIP COMP TECH SHANGHAI