Pre-authorization freezing management method for supplementing credit card
A management method and credit card technology, applied in the field of electronic financial payment, can solve the problems of freezing the second credit account, pre-authorization, freezing, etc.
Inactive Publication Date: 2020-12-01
优比付(杭州)科技有限公司
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Problems solved by technology
[0003] In view of the above-mentioned defects of the prior art, the technical problem to be solved by the present invention is to control the credit risk when the credit card limit is insufficient, freeze the first credit account to the greatest extent, and freeze the pre-authorization of the second credit account for the insufficient part
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[0024] The following describes several preferred embodiments of the present invention with reference to the accompanying drawings, so as to make the technical content clearer and easier to understand. The present invention can be embodied in many different forms of embodiments, and the protection scope of the present invention is not limited to the embodiments mentioned herein.
[0025] In the drawings, components with the same structure are denoted by the same numerals, and components with similar structures or functions are denoted by similar numerals. The size and thickness of each component shown in the drawings are shown arbitrarily, and the present invention does not limit the size and thickness of each component. In order to make the illustration clearer, the thickness of parts is appropriately exaggerated in some places in the drawings.
[0026] Such as figure 1 Shown, a kind of supplementary credit card pre-authorization freezing management method of the present inv...
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The invention discloses a pre-authorization freezing management method for supplementing a credit card, and the method is characterized in that the method comprises the following steps: S10, enablinga credit card credit sales management system to enter a pre-authorization freezing entering module when the freezing pre-authorization is failed according to the remaining amount on the day of a deduction date in a credit card staging repayment process; s20, allowing the credit card credit sale management system to freeze the pre-authorization according to the amount of deduction by stages on thesame day; s30, repeating the step S20 until the credit card credit-on-sale management system fails to freeze the pre-authorization; and S35, enabling the credit card credit on sale management system to freeze the second credit account pre-authorization of the repayer according to the undeducted pre-authorization amount. According to the invention, when the amount of the credit card is insufficient, the frozen pre-authorization amount is increased as much as possible, the credit risk is controlled; when the amount of the first credit card is insufficient, the risk control is realized by freezing the amount of the second credit account, and meanwhile, the credit card user is notified through manual intervention, and the credit amount of the first credit card is supplemented to the credit card user for a certain time.
Description
technical field [0001] The invention relates to the field of electronic financial payment, in particular to a supplementary credit card pre-authorization freezing management method. Background technique [0002] The credit card credit sales management system provides merchants with credit card installment marketing tools, provides consumers with more convenient and longer credit card installment consumption methods, and provides sellers with safe credit sales and risk control measures for zero risk repayment. Installment has a direct role in promoting the sales of merchants. However, if the merchant directly acts as a participant in the installment, there will be a sales payment account period. Merchants hope to promote sales, but they are unwilling to generate billing periods. The credit card credit sales management system allows merchants to promote sales without any payment period through the transfer of credit sales. For consumers, installment can reduce the expenditu...
Claims
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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