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Method, device and equipment for replacing expired credit card, medium and program product

A replacement method and technology for credit cards, applied in the field of financial technology, can solve the problems of user loss, lengthy process, poor user experience, etc., and achieve the effect of improving card experience, solving user loss, and enhancing market competitiveness.

Pending Publication Date: 2022-08-09
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The replacement of a credit card needs to go through processes such as card making, mailing, user card collection, and card activation. The process is lengthy. If the user’s original card has signed a three-party card binding, withholding and other services, the payment service will be interrupted due to the expiration of the card. situation, poor user experience, and even lead to user loss

Method used

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  • Method, device and equipment for replacing expired credit card, medium and program product
  • Method, device and equipment for replacing expired credit card, medium and program product
  • Method, device and equipment for replacing expired credit card, medium and program product

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Embodiment Construction

[0026] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood, however, that these descriptions are exemplary only, and are not intended to limit the scope of the present disclosure. In the following detailed description, for convenience of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It will be apparent, however, that one or more embodiments may be practiced without these specific details. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concepts of the present disclosure.

[0027] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the present disclosure. The terms "comprising", "comprising" and the like as used herein indicate the presence o...

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PUM

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Abstract

The invention provides an expired credit card replacement method, which is applied to the field of financial science and technology, and comprises the following steps: obtaining user information screening authorization, and regularly screening users with expired entity credit cards; sending a first authorization acquisition request to the user, and acquiring first credit card service delay authorization of the user; an electronic credit card of a user is acquired to open authorization, the electronic credit card is created for the user, and the electronic credit card is used for online payment; and obtaining an entity card of the user, remaking authorization, making a new entity credit card, and issuing the new entity credit card to the user for offline payment of the user. The invention further provides an expired credit card replacement device and equipment, a storage medium and a program product.

Description

technical field [0001] The present disclosure relates to the field of financial technology, and in particular, to a method, device, device, medium and program product for replacing an expired credit card. Background technique [0002] At present, the validity period of the physical card of most commercial bank credit cards is regulated based on the time of the CA key certificate provided by the international card organization. Credit cards are valid for about 5 to 10 years, depending on the requirements of the card organization. According to the business process of existing commercial banks to replace cards when they expire, the bank will generally remind users 1-2 months in advance by sending text messages, outbound calls and other forms of contacting customers to remind users that the card is about to be replaced, and then the bank will be close to the expiration date (such as 1 month) Start the production and delivery of replacement new cards. According to the "Measures...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/40G06Q20/38
CPCG06Q20/401G06Q20/382G06Q40/03
Inventor 林洁梁敏翁子君李志韬
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA