Credit card state detection method and credit card installment payment risk control method
A technology of status detection and detection method, which is applied in the field of credit card status detection and risk control of credit card installment payment, can solve the problems of debiting party's loss, card expiration, and inability to deduct money by installment payment, so as to protect interests and improve operability. Effect
Pending Publication Date: 2020-03-27
优比付(杭州)科技有限公司 +1
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Problems solved by technology
[0006] However, in the credit card installment payment method, when there is an abnormality in the credit card used for installment payment, such as being frozen by the bank due to overdue payment, card expiration or freezing due to loss report, etc., the entire installment payment will not be able to be deducted. , if the cardholder deliberately defaults on the opportunity, it will cause losses to the deducting party
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[0025] The present invention will be described in detail below in conjunction with the specific embodiments shown in the accompanying drawings, but these embodiments do not limit the present invention, those of ordinary skill in the art make structural, method, or functional changes based on these embodiments All are included in the scope of protection of the present invention.
[0026] As mentioned in the background technology, in order to protect the interests of merchants or employers in installment payment, the applicant has proposed an installment payment method based on repeated credit card pre-authorization. This method can use the pre-authorized frozen credit card amount as the guarantee fund for installment payment, so as to ensure that the user always has enough guarantee funds for repayment during the whole installment process. The guarantee funds are deducted to avoid losses. At the same time, for buyers, since the pre-authorized frozen amount will be recycled in ...
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The invention relates to a credit card state detection method, wherein the credit card is located in at least one stage payment period, and the credit card state detection method comprises the steps:transmitting a partial limit freezing request of the credit card to a card organization server; sending a query request of the freezing request to the card organization server; and outputting at leastone state result of the credit card according to the inquired freezing result. According to the credit card state detection method, the credit card is subjected to small amount freezing by initiatingthe small amount pre-authorization operation, and the state of the credit card is judged according to the freezing result, so that the problem that the state of the credit card cannot be directly inquired in the prior art is solved. The invention further provides a credit card installment payment risk control method, based on the above detection result.
Description
technical field [0001] The invention relates to the technical field of financial payment and data processing, in particular to a credit card status detection method and a credit card installment risk control method. Background technique [0002] With the development of communication technology, people's payment methods have gradually changed from traditional currency payment to electronic payment. At present, electronic payment mainly represented by Alipay and WeChat has covered most payment scenarios, and some places even only support electronic payment. Cash payment and bank card payment are gradually eliminated by people. [0003] However, limited by people's consideration of the security of communication technology, only a limited amount is reserved in the electronic payment account in the electronic payment method, so some large-amount payment scenarios cannot realize one-time payment. On the other hand, completing a large payment at one time will put a certain amount...
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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 沈瑜
Owner 优比付(杭州)科技有限公司