Credit card billing system

Abstract

A credit card bill deduction system includes a communication unit, a storage unit storing information about a pre-arranged deduction account corresponding to a customer, and a processing unit electrically connected to the communication unit and the storage unit. The pre-arranged deduction account information includes customer identification information, a pre-arranged account balance, and a current credit card bill amount. After determining that the pre-arranged account balance is less than the current credit card bill amount, the processing unit sends an account query request, including the customer identification information, to a banking association server. The banking association server then queries each bank account corresponding to the customer identification information, and the processing unit sequentially deducts the current credit card bill amount from the pre-arranged account balance and the account balance of each of the bank accounts.

Claims

1. A credit card bill deduction system, applicable to a banking association server, comprising: a communication unit for providing network connectivity; a storage unit for storing designated deduction account information corresponding to a customer, the designated deduction account information including a consent query instruction, customer identification information, a designated account balance, and a current credit card bill amount; and a processing unit electrically connected to the communication unit and the storage unit, for communicating with the banking association server via the communication unit, and after determining that the designated account balance is less than the current credit card bill amount and that the designated deduction account information includes the consent query instruction, the processing unit transmits an account query request including the consent query instruction and the customer identification information corresponding to the customer to the banking association server via the communication unit, so that the banking association server queries each bank account information corresponding to the customer identification information, and transmits each bank account information to the processing unit via the communication unit, thereby causing the processing unit to deduct the current credit card bill amount from the designated account balance and the account balance of each bank account information in sequence.

2. The credit card payment deduction system as described in claim 1, wherein, When the processing unit deducts the current credit card bill amount from the balance of the agreed account and the account balance of each bank account in sequence, resulting in an unpaid credit card bill amount, the processing unit stores the unpaid credit card bill amount as the credit card bill amount for the next period in the agreed deduction account information corresponding to the customer.

3. The credit card bill deduction system as described in claim 1 is further applicable to a client device. The processing unit also communicates with the client device via the communication unit. After the processing unit determines that the balance of the designated account is less than the amount of the current credit card bill and that the designated deduction account information does not contain the consent query instruction, the processing unit transmits a query authorization request to the client device via the communication unit. After receiving the consent query instruction from the client device corresponding to the query authorization request, the processing unit stores the consent query instruction in the designated deduction account information corresponding to the customer. Only then will the processing unit transmit the account query request, including the consent query instruction corresponding to the customer and the customer's identification information, to the banking association server via the communication unit.

4. The credit card payment deduction system as described in claim 1, wherein, The agreed deduction account information also stores an agreed bonus points balance. Each bank account information also includes a bonus points balance. The processing unit converts the agreed bonus points balance into an agreed account equivalent balance. When the processing unit determines that the sum of the agreed account balance and the agreed account equivalent balance is less than the current credit card bill amount and the agreed deduction account information contains the consent query instruction, the processing unit transmits the account query request, including the consent query instruction corresponding to the customer and the customer identification information, to the banking association server through the communication unit. This allows the banking association server to query each bank account information corresponding to the customer identification information and transmit each bank account information to the processing unit through the communication unit. Consequently, the processing unit converts the bonus points balance of each bank account information into an account equivalent balance and deducts the current credit card bill amount sequentially from the agreed account balance, the agreed account equivalent balance, the account balance of each bank account information, and the account equivalent balance of each bank account information.

5. The credit card payment system as described in claim 4, wherein, When the processing unit deducts the current credit card bill amount from the agreed account balance, the equivalent balance of the agreed account, the account balance of each bank account information, and the equivalent balance of each bank account information in sequence, resulting in an unpaid credit card bill amount, the processing unit stores the unpaid credit card bill amount as the credit card bill amount for the next period in the agreed deduction account information corresponding to the customer.

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