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Installment payment method based on credit card

A technology of credit card and payment request, applied in the field of installment payment based on credit card, to achieve the effect of increasing willingness

Pending Publication Date: 2020-04-07
优比付(杭州)科技有限公司 +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, this kind of guarantee method is only a formal guarantee after all. When there is a situation of overdue repayment, the merchant can only protect its own rights and interests through legal means.

Method used

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  • Installment payment method based on credit card
  • Installment payment method based on credit card

Examples

Experimental program
Comparison scheme
Effect test

example 1

[0088] User A purchases 10,000 yuan of commodity C from merchant B, and proposes to pay in installments. The planned number of installments is 5. The credit card limit held by the user is 20,000 yuan, and the current remaining balance is 20,000 yuan. The credit card has a pre-authorization function, and the pre-authorization is valid for 30 days.

[0089] After user A's installment payment information is sent to the corresponding background server, the server will authenticate and identify the user's relevant information according to the above method, and finally generate a deduction amount of 2,000 yuan per installment, and the deduction cycle is 30 days. User A chooses The deduction of the first installment will be executed on the same day, and the total installment time is 120 days.

[0090] On the same day, the credit card of user A is pre-authorized for the first period, and the amount of 10,000 yuan is frozen, and then the first deduction step is performed, and the deduc...

Embodiment 2

[0092] User A purchases 10,000 yuan of commodity C from merchant B, and proposes to pay in installments. The planned number of installments is 5. The credit card limit held by the user is 20,000 yuan, and the current remaining balance is 20,000 yuan. The credit card has a pre-authorization function, and the pre-authorization is valid for 30 days.

[0093] After user A's installment payment information is sent to the corresponding background server, the server will authenticate and identify the user's relevant information according to the above method, and finally generate a deduction amount of 2,000 yuan per installment, and the deduction cycle is 30 days. User A chooses The first installment will be executed 30 days after the deduction, and the total installment time is 150 days.

[0094] After 30 days, the credit card of user A is pre-authorized in the first phase, and the amount of 10,000 yuan is frozen, and then the first phase of deduction is performed, and the deduction ...

Embodiment 3

[0096] User A purchases 10,000 yuan of commodity C from merchant B, and proposes to pay in installments. The planned number of installments is 5. The credit card limit held by the user is 20,000 yuan, and the current remaining balance is 20,000 yuan. The credit card has a pre-authorization function, and the pre-authorization is valid for 30 days.

[0097] After user A's installment payment information is sent to the corresponding background server, the server will authenticate and identify the user's relevant information according to the above method, and finally generate a deduction amount of 2,000 yuan per installment, and the deduction cycle is 30 days. User A chooses The first installment will be executed 30 days after the deduction, and the total installment time is 150 days.

[0098]On the same day, the credit card of user A is pre-authorized for the first period, and the amount of 10,000 yuan is frozen, and then the first deduction step is performed, and the deduction i...

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Abstract

The invention relates to an installment payment method based on a credit card. The installment payment method comprises the steps of responding to a credit card installment payment request proposed bya user, identifying the total payment amount and the number of times of staging, and generating the deduction cost and the deduction period of each period; and executing a first pre-authorization operation on the credit card, wherein the freezing limit of the first pre-authorization operation is determined according to the current total amount to be paid; and executing a pre-authorization revocation operation on the credit card after the current deduction is completed, releasing the freezing limit of the previous period, and repeating the above steps until the installment payment is completed. According to the installment payment method based on a credit card, the pre-authorization operation mode of the credit card is combined into the installment payment by using a technical means, and the credit card limit of the buyer is used as a guarantee means of the installment payment, so that the effects of merchant benefit assurance and no short-term fund pressure of the buyer are achieved.

Description

technical field [0001] The invention relates to the technical field of financial payment and data processing, in particular to a credit card-based installment payment 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 of economic pressure on users. Therefor...

Claims

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Application Information

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IPC IPC(8): G06Q20/24G06Q20/34G06Q20/38G06Q20/40
CPCG06Q20/24G06Q20/341G06Q20/382G06Q20/403
Inventor 沈瑜梁培
Owner 优比付(杭州)科技有限公司
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