Virtual credit card payment method, system and device for overseas travel and storage medium

Abstract

The invention provides a virtual credit card payment method, system and device for an overseas tour, and a storage medium. The method comprises the following steps: defining a combination of merchant category codes; distributing at least one merchant category code to the user so as to provide a virtual credit card for the user; configuring a transaction condition for the merchant category code allocated to the user, wherein the transaction condition at least comprises a transaction validity period; when the user carries out virtual credit card payment through the merchant category code, verifying a transaction condition; and when all transaction conditions are met, payment operation is carried out. According to the invention, the user can temporarily handle the virtual credit card during the travel conveniently, quickly and safely, the convenience of credit card consumption of the user during the travel is improved, and the user experience is improved.

Description

Background Art

[0002] Virtual Credit Card (VCC) is a very popular payment tool, especially for cross-border payments. Compared with traditional credit cards, there is no physical card, which eliminates the cost of production and mailing. Compared with physical cards, it is very convenient to apply for and safer to use, and there is no risk of the card being stolen after it is lost. At the same time, virtual credit cards for enterprises can better support many payment scenarios, such as: single-time cards, which can be used once and destroyed after one transaction. For more specific effective and expiration dates, you can choose a validity period of only one day, which will be destroyed after use. You can also choose fixed merchants, and you cannot trade with merchants that are not set. All of the above measures can greatly enhance its security.

[0003] Generally, when individual 2C users apply for a card, there is no restriction on MCC, and users are not required to set MCC for the card. However, 2B customers will use a large number of single-time cards (i.e., one card is used for one scene or one order, and it is destroyed after use), so the card usage is very large, and the payment process requires convenience. It will not require the provision of mobile phone verification codes and other means when paying, so the risk requirements need to be strengthened in other ways. At the same time, considering the risk of industry violations, there are generally special restrictions on MCC for 2B customers to use the card, that is, not all MCCs can be supported. This requires merchants to specify MCCs (usually multiple) when opening a card. If the transaction is not within the MCC range set on the card, the transaction will not be allowed to pass. However, each card organization provides thousands of MCCs, and it is very inconvenient for merchants to specify MCCs. During transactions, due to the large amount of data, it is not easy to quickly compare.

[0004] Nowadays, cross-border payments have become part of daily business, whether in e-commerce, tourism or international services. However, cross-border payments also face a series of challenges, such as high handling fees, currency conversion, payment security, etc. As an innovative payment tool, virtual credit cards have become an effective solution to these problems with their flexibility, efficiency and security.

[0005] A virtual credit card (VCC) is a payment tool based on digital technology. It does not have a physical card, but only provides a unique card number, expiration date and security code. Users can make payments through online platforms, which is highly secure and convenient.

[0006] In response to a series of challenges faced by cross-border payments, virtual credit cards provide endless convenience and advantages, and play an important role in solving payment problems and facilitating worry-free cross-border payments!

[0007] Enhanced security. Since virtual cards have unique card numbers and expiration dates, they minimize the possibility of sensitive information being leaked and protect the user's information security. Even if the card number is leaked, it will not affect the user's other funds.

[0008] Cost savings. Virtual credit cards conduct transactions on digital platforms, reducing intermediaries and thus reducing fees. Many virtual credit card service providers offer preferential cross-border transaction rates to help businesses and consumers save costs. In addition, many virtual credit cards support multi-currency payments, and users can switch freely between different currencies, avoiding frequent currency conversion operations and fees.

[0009] At the same time, many domestic tourists are no longer in the habit of carrying wallets, so they don’t want to carry physical credit cards when traveling abroad. In addition, domestic credit cards often cannot enjoy some discounts and benefits of overseas credit cards. If you apply for a physical credit card temporarily, you don’t need a password to swipe the card overseas, and there is a risk of the physical card being stolen after it is lost. This is also a concern for users who apply for physical cards.

[0010] Therefore, the present invention provides a virtual credit card payment method, system, device and storage medium for overseas travel. Summary of the invention

[0011] In response to the problems in the prior art, the purpose of the present invention is to provide a virtual credit card payment method, system, device and storage medium for overseas travel, which overcomes the difficulties of the prior art and can facilitate users to temporarily apply for virtual credit cards during travel, which is quick and safe, improves the convenience of users' credit card consumption during travel, and improves user experience.

[0012] An embodiment of the present invention provides a virtual credit card payment method for overseas travel, comprising the following steps:

[0013] S110, defining a combination of merchant category codes;

[0014] S120, assigning at least one merchant category code to the user to provide the user with a virtual credit card;

[0015] S130, configuring transaction conditions for the merchant category code assigned to the user, wherein the transaction conditions at least include a transaction validity period;

[0016] S140, when the user makes a virtual credit card payment through the merchant category code, verify the transaction conditions;

[0017] S150. When all transaction conditions are met, perform payment operation.

[0018] Preferably, in step S110, the card issuing bank applies to the card organization for a list of merchant category codes, and then groups and categorizes the merchant category codes and stores them in a database table.

[0019] Preferably, in step S120, the merchant category code includes at least one of a category code of an airline travel card, a category code of a study abroad card, and a category code of an accommodation card.

[0020] Preferably, the step S130 includes:

[0021] S131. Collecting the user's overseas travel itinerary information;

[0022] S132, obtaining the departure date and return date in the itinerary information;

[0023] S133: configuring transaction conditions for the merchant category code assigned to the user, and establishing a transaction validity period for the virtual credit card according to the departure date and return date in the itinerary information.

[0024] Preferably, in step S140, when the user makes a virtual credit card payment through the merchant category code, it is determined whether the time when the user makes a virtual credit card payment through the merchant category code is between the departure date and the return date. If so, step S150 is executed.

[0025] Preferably, the step S130 includes:

[0026] S136, collecting the user's overseas travel itinerary information;

[0027] S137, obtaining the departure date, return date and the city visited each day during the overseas trip from the itinerary information;

[0028] S138. Configure transaction conditions for the merchant category code assigned to the user, establish a transaction validity period for the virtual credit card based on the departure date and return date in the itinerary information, and establish a transaction location for the virtual credit card based on the city where the user is located each day.

[0029] The step S140 includes:

[0030] S141. When a user makes a virtual credit card payment using a merchant category code, a merchant identification code of the merchant requesting payment is obtained according to the payment information, and a physical address of the merchant requesting payment is obtained in a preset address mapping table according to the merchant identification code;

[0031] S142, determining whether the time when the user makes a virtual credit card payment through the merchant category code and the physical address where the payment is made meet both the transaction validity period and the transaction location; if so, executing step S150.

[0032] Preferably, the step S140 further comprises: when the transaction validity period expires, the virtual credit card is automatically cancelled.

[0033] The embodiment of the present invention further provides a virtual credit card payment system for overseas travel, which is used to implement the above-mentioned virtual credit card payment method for overseas travel. The virtual credit card payment system for overseas travel includes:

[0034] Merchant category module, defines the combination of merchant category codes;

[0035] a number allocation module, which allocates at least one merchant category code to a user to provide a virtual credit card to the user;

[0036] A condition configuration module, configured with a transaction condition for the merchant category code assigned to the user, wherein the transaction condition at least includes a transaction validity period;

[0037] A condition verification module, which verifies the transaction conditions when the user makes a virtual credit card payment through a merchant category code;

[0038] The payment operation module performs the payment operation when all transaction conditions are met.

[0039] An embodiment of the present invention further provides a virtual credit card payment device for overseas travel, comprising:

[0040] processor;

[0041] a memory storing executable instructions of the processor;

[0042] Wherein, the processor is configured to execute the steps of the above-mentioned virtual credit card payment method for overseas travel by executing the executable instructions.

[0043] An embodiment of the present invention also provides a computer-readable storage medium for storing a program, which, when executed, implements the steps of the above-mentioned virtual credit card payment method for overseas travel.

[0044] The purpose of the present invention is to provide a virtual credit card payment method, system, device and storage medium for overseas travel, which can facilitate users to temporarily apply for virtual credit cards during travel, which is fast and safe, improves the convenience of credit card consumption during travel, and improves user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Other features, objectives and advantages of the present invention will become more apparent from a reading of the detailed description of non-limiting embodiments made with reference to the following accompanying drawings.

[0046] Figure 1 It is a flow chart of the virtual credit card payment method for overseas travel of the present invention.

[0047] Figure 2 It is a structural schematic diagram of a virtual credit card payment system for overseas travel of the present invention.

[0048] Figure 3 It is a structural schematic diagram of a virtual credit card payment device for overseas travel of the present invention.

[0049] Figure 4 It is a schematic diagram of the structure of a computer-readable storage medium according to an embodiment of the present invention. DETAILED DESCRIPTION

[0050] The following describes the implementation methods of the present application through specific examples, and those skilled in the art can easily understand other advantages and effects of the present application from the content disclosed in the present application. The present application can also be implemented or applied through other different specific implementation methods, and the details in the present application can also be modified or changed in various ways according to different viewpoints and application systems without departing from the spirit of the present application. It should be noted that the embodiments in the present application and the features in the embodiments can be combined with each other without conflict.

[0051] The following is a detailed description of the embodiments of the present application with reference to the accompanying drawings so that those skilled in the art can easily implement the present application. The present application can be embodied in a variety of different forms and is not limited to the embodiments described herein.

[0052] In the representations of the present application, the representations with reference to the terms "one embodiment", "some embodiments", "examples", "specific examples", or "some examples" etc. mean that the specific features, structures, materials or characteristics represented in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. Moreover, the represented specific features, structures, materials or characteristics may be combined in any one or more embodiments or examples in a suitable manner. In addition, those skilled in the art may combine and combine the different embodiments or examples represented in the present application and the features of the different embodiments or examples, unless they contradict each other.

[0053] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Therefore, a feature defined as "first" or "second" may explicitly or implicitly include at least one of the features. In the representation of this application, the meaning of "plurality" is two or more, unless otherwise clearly and specifically defined.

[0054] In order to clearly describe the present application, components irrelevant to the description are omitted, and the same reference symbols are given to the same or similar components throughout the specification.

[0055] Throughout the specification, when a device is said to be "connected" to another device, this includes not only the case of "direct connection" but also the case of "indirect connection" by placing other elements therebetween. In addition, when a device is said to "include" a certain component, unless otherwise stated, it does not exclude other components, but means that other components may be included.

[0056] When a device is said to be "on" another device, it may be directly on the other device, but there may also be other devices between it. In contrast, when a device is said to be "directly" on another device, there are no other devices between it.

[0057] Although the terms first, second, etc. are used to represent various elements in some examples, these elements should not be limited by these terms. These terms are only used to distinguish one element from another element. For example, the first interface and the second interface, etc. are represented. Moreover, as used in this article, the singular forms "one", "one" and "the" are intended to also include plural forms, unless there is an opposite indication in the context. It should be further understood that the terms "comprising" and "including" indicate the existence of features, steps, operations, elements, components, projects, kinds, and / or groups, but do not exclude the existence, occurrence or addition of one or more other features, steps, operations, elements, components, projects, kinds, and / or groups. The terms "or" and "and / or" used herein are interpreted as inclusive, or mean any one or any combination. Therefore, "A, B or C" or "A, B and / or C" means "any of the following: A; B; C; A and B; A and C; B and C; A, B and C". Only when the combination of elements, functions, steps or operations is inherently mutually exclusive in some way, will there be an exception to this definition.

[0058] The technical terms used herein are only used to refer to specific embodiments and are not intended to limit the present application. The singular form used herein also includes the plural form unless the sentence clearly indicates the contrary meaning. The meaning of "including" used in the specification is to specify specific characteristics, regions, integers, steps, operations, elements and / or components, and does not exclude the existence or addition of other characteristics, regions, integers, steps, operations, elements and / or components.

[0059] Although not defined differently, all terms, including technical and scientific terms used herein, have the same meaning as those generally understood by those skilled in the art to which this application belongs. Terms defined in commonly used dictionaries are additionally interpreted as having meanings consistent with the relevant technical literature and the contents of the current disclosure, and unless defined, shall not be overly interpreted as ideal or very formal meanings.

[0060] Figure 1Flow chart of the virtual credit card payment method for overseas travel of the present invention. Figure 1 As shown, the virtual credit card payment method for overseas travel of the present invention comprises the following steps:

[0061] S110. Define a combination of merchant category codes.

[0062] S120: Allocate at least one merchant category code to the user to provide the user with a virtual credit card.

[0063] S130. Configure transaction conditions for the merchant category code assigned to the user, where the transaction conditions at least include a transaction validity period.

[0064] S140: When the user makes a virtual credit card payment using a merchant category code, the transaction conditions are verified.

[0065] S150. When all transaction conditions are met, perform payment operation.

[0066] Credit cards are used as 2B services by customers in large quantities. The issuing bank needs to: facilitate the merchant to specify the MCC when applying for the card, and quickly determine whether the MCC is consistent with the card settings during transactions. In the case of multiple card organizations and multiple third-party channels, or when new card organizations and new third-party channels are added, the customer's card opening experience remains unchanged. The present invention provides a virtual credit card payment method for overseas travel that is convenient for users to temporarily apply for virtual credit cards during travel, which is fast and safe, improves the convenience of credit card consumption for users during travel, and improves user experience.

[0067] In a preferred embodiment, in step S110, the card issuing bank applies to the card organization for a list of merchant category codes, and then groups and categorizes the merchant category codes and stores them in a database table.

[0068] In a preferred embodiment, in step S120, the merchant category code includes at least one of the category codes of an airline travel card, the category code of a study abroad card, and the category code of an accommodation card.

[0069] In a preferred embodiment, step S130 includes:

[0070] S131. Collect the user's overseas travel itinerary information.

[0071] S132. Obtain the departure date and return date in the itinerary information.

[0072] S133: configuring transaction conditions for the merchant category code assigned to the user, and establishing a transaction validity period for the virtual credit card according to the departure date and return date in the itinerary information.

[0073] In a preferred embodiment, in step S140, when the user makes a virtual credit card payment through the merchant category code, it is determined whether the time when the user makes a virtual credit card payment through the merchant category code is between the departure date and the return date. If so, step S150 is executed.

[0074] In a preferred embodiment, step S130 includes:

[0075] S136. Collect the user's overseas travel itinerary information.

[0076] S137. Obtain the departure date, return date and the city visited each day during the overseas trip from the itinerary information.

[0077] S138. Configure transaction conditions for the merchant category code assigned to the user, establish a transaction validity period for the virtual credit card based on the departure date and return date in the itinerary information, and establish a transaction location for the virtual credit card based on the city where the user is located each day.

[0078] Step S140 includes:

[0079] S141. When a user makes a virtual credit card payment using a merchant category code, the merchant identification code of the merchant requesting payment is obtained according to the payment information, and the physical address of the merchant requesting payment is obtained in a preset address mapping table according to the merchant identification code.

[0080] S142. Determine whether the time when the user makes a virtual credit card payment through the merchant category code and the physical address of the payment meet the transaction validity period and transaction location at the same time. If so, execute step S150. The present invention makes full use of the data traversal of the virtual credit card and sets targeted transaction conditions in combination with the user's travel itinerary, thereby preventing the virtual credit card from being stolen for a long time or preventing the virtual credit card from being hacked remotely and then stolen in a different place, thereby improving security.

[0081] In a preferred embodiment, step S140 further includes: automatically canceling the virtual credit card when the transaction validity period expires.

[0082] The present invention relates to a method and implementation for managing the MCC of a virtual credit card used by a card issuing bank and for controlling transactions through the MCC. The MCC in a credit card refers to a combination of merchant category codes, which is a set of four-digit codes set by an acquiring institution for contracted merchants. To identify and classify different merchant types. For example, merchants with MasterCard merchant codes of 8211, 8220, 8241, 8244, 8249, and 8299 correspond to primary and secondary schools, ordinary colleges and universities, correspondence schools (adult education), business and secretarial schools, trade and vocational schools, and other schools and educational service merchants. When a cardholder uses a MasterCard card to conduct a transaction, the transaction information will be sent to the MasterCard organization for processing. The MCC code plays an important role in determining the transaction type, calculating transaction fees, formulating marketing strategies, and risk management. The MasterCard organization will determine the transaction type based on the MCC code in the transaction information, and calculate and allocate the transaction fees accordingly. For transactions in certain high-risk or special industries, the MasterCard organization may conduct additional risk review or monitoring. MasterCard may have special preferential policies for some MCC codes, such as cash back activities or preferential rates for merchants in certain industries. Card issuing system used in issuing banks, which is responsible for providing users with credit card application and credit card management services. Card organizations include MasterCard, VISA, AMEX, UnionPay, etc.:

[0083] The virtual credit card payment method for overseas travel of the present invention can facilitate users to temporarily apply for virtual credit cards during travel, which is fast and safe, improves the convenience of credit card consumption for users during travel, and improves user experience.

[0084] Specific embodiments of the present invention include:

[0085] First, the issuing bank applies to the card organization for a list of merchant category codes, and then groups and categorizes the merchant category codes and stores them in a database table.

[0086] Next, at least one merchant category code is allocated to the user to provide the user with a virtual credit card, wherein the merchant category code includes at least one of a category code of an airline card, a category code of a study abroad card, and a category code of an accommodation card.

[0087] Collect the user's overseas travel itinerary information. Obtain the departure date, return date, and city of each day during the overseas travel in the itinerary information. Configure transaction conditions for the merchant category code assigned to the user, establish the transaction validity period of the virtual credit card based on the departure date and return date in the itinerary information, and establish the transaction location of the virtual credit card based on the city of each day.

[0088] When a user makes a virtual credit card payment through a merchant category code, the merchant identification code of the merchant requesting payment is obtained according to the payment information, and the physical address of the merchant requesting payment is obtained in the preset address mapping table according to the merchant identification code. It is determined whether the time when the user makes a virtual credit card payment through the merchant category code and the physical address of the payment meet the transaction validity period and transaction location at the same time. When all transaction conditions are met, the payment operation is performed; when the transaction validity period is exceeded, the virtual credit card is automatically cancelled.

[0089] In addition, from the perspective of function realization, in another specific embodiment, the present invention includes the following contents: a. MCC group management, b. MCC group allocation and card opening and use, c. MCC group mapping of third-party channels, and d. Transaction MCC judgment. The details are as follows:

[0090] A. MCC Group Management

[0091] First, the issuing bank applies for the MCC list from the card organization, and then groups and categorizes the MCCs. The MCCs of different card groups are stored in a database table. The MCCs of different card groups are mixed together. One group contains the MCCs of different card groups. For example:

[0092]

[0093] The fields are explained as follows:

[0094] MCC group: After grouping the MCC, give the group a name;

[0095] MCC: the four-digit code of MCC;

[0096] MCC Description: Specific description of the MCC;

[0097] Available: If it is temporarily ineffective or disabled, it can be set to False.

[0098] The above classification requires product managers to plan the design of the MCC group based on product positioning and business development planning. When merchants open cards, the MCC group is set for the card, and it is a single choice.

[0099] B. MCC group allocation and card activation

[0100] Assign MCC groups to merchants: After a merchant passes the review, the merchant will state the industry it is engaged in in the materials it submits. Before conducting business, the operator will assign the merchant an MCC group of the industry to which the merchant belongs based on the industry in the review materials. Merchants can select these MCC groups when opening a card. If no selection is made, the system will default to using the first one in the allocation list.

[0101] Assign MCC groups to card products: There is another situation where an MCC group is set on a card product. Card products classify all cards in the system by product, and define descriptions of cards with specific functions and specific features, such as air travel cards, study abroad cards, and accommodation cards. When a merchant opens a card, the card product is one of the required parameters, so some card products have relatively fixed and single industries, so you can directly assign an MCC group to the card product, without multiple selections. In this way, if a customer uses this card product, he or she does not need to select the MCC group himself or herself, and the operation does not need to assign an MCC group to this customer. Only when the customer's business is more complex and has greater differentiation, will it be necessary to assign an MCC group separately, or even multiple groups.

[0102] C. Third-party channel MCC group mapping

[0103] In addition to the self-operated cards, the system also supports the connection with other third-party channels. Third-party channels also have the MCC function, but how to use it specifically varies from channel to channel. In summary, there are roughly the following types:

[0104] When opening a card, you can only transfer the MCC list, but not too many.

[0105] The MCC group assigned by the channel must be transmitted when activating the card.

[0106] MCC and MCC group cannot be transferred when activating a card. You can only set the global MCC list in the channel.

[0107] In order to provide customers with a more convenient way, but at the same time not wanting customers to feel the difference in using channel cards, we can only encapsulate the differences brought by the channels. The encapsulation processing methods are described as follows.

[0108] When activating a card, only the MCC list can be transmitted. The MCCs required by the channel will be compiled into the MCC group of the system. When activating the card, these MCC lists will be obtained and transmitted to the channel.

[0109] When activating a card, the MCC group assigned by the channel must be transmitted. A mapping table between the system-defined MCC group and the channel-assigned MCC group is provided. The MCC group transmitted by the customer when activating the card is the same as that of the self-operated card. However, if it is a channel card, it is replaced with the channel's MCC group according to the mapping table and transmitted to the channel.

[0110]

[0111]

[0112] MCC and MCC group cannot be transmitted when opening a card. You can only set a global MCC list in the channel. The parameters transmitted when the customer opens the card can still be kept consistent with those for self-operated cards. Generally, they can be directly configured in the relevant card products.

[0113] D. Transaction MCC judgment

[0114] When a cardholder uses a card to make a transaction, the transaction information will be sent to the card organization for processing, and then the card organization will send it to the issuing bank for processing, that is, the transaction authorization system, to determine whether the transaction can be passed. At this time, the transaction information will contain the MCC code, and the transaction authorization system will check the MCC restriction range for this card (the above), and then check whether the MCC of this transaction is within the restriction range. If not, the transaction will be rejected.

[0115] Since the set MCC groups are public, the number is not large, and the update is not frequent, it is very suitable to load them into the cache to improve the efficiency of this step of judgment.

[0116] The present invention utilizes the above method to enable customers to flexibly define their own MCC groups when opening a card, thereby achieving control over transaction risks.

[0117] Figure 2 Schematic diagram of the structure of the virtual credit card payment system for overseas travel of the present invention. Figure 2 As shown, the embodiment of the present invention further provides a virtual credit card payment system for overseas travel, which is used to implement the above-mentioned virtual credit card payment method for overseas travel. The virtual credit card payment system 5 for overseas travel includes:

[0118] The merchant category module 51 defines the combination of merchant category codes.

[0119] The code allocation module 52 allocates at least one merchant category code to the user to provide the user with a virtual credit card.

[0120] The condition configuration module 53 configures transaction conditions for the merchant category code assigned to the user, and the transaction conditions at least include a transaction validity period.

[0121] The condition verification module 54 verifies the transaction conditions when the user makes a virtual credit card payment through the merchant category code.

[0122] The payment operation module 55 performs the payment operation when all transaction conditions are met.

[0123] In a preferred embodiment, the merchant category module 51 is configured so that the issuing bank applies to the card organization for a list of merchant category codes, and then groups and categorizes the merchant category codes and stores them in a database table.

[0124] In a preferred embodiment, the number allocation module 52 is configured so that the merchant category code includes at least one of the category codes of airline cards, study abroad cards, and accommodation cards.

[0125] In a preferred embodiment, the condition configuration module 53 is configured to collect the user's overseas travel itinerary information, obtain the departure date and return date in the itinerary information, configure transaction conditions for the merchant category code assigned to the user, and establish the transaction validity period of the virtual credit card according to the departure date and return date in the itinerary information.

[0126] In a preferred embodiment, the conditional verification module 54 is configured to determine whether the time when the user makes a virtual credit card payment through the merchant category code is between the departure date and the return date when the user makes a virtual credit card payment through the merchant category code. If so, the payment operation module 55 is executed.

[0127] In a preferred embodiment, the condition configuration module 53 is configured to collect the user's overseas travel itinerary information, obtain the departure date, return date and the city where the user is located every day during the overseas travel in the itinerary information, configure transaction conditions for the merchant category code assigned to the user, establish the transaction validity period of the virtual credit card according to the departure date and return date in the itinerary information, and establish the transaction location of the virtual credit card according to the city where the user is located every day.

[0128] In a preferred embodiment, the condition verification module 54 is configured to obtain the merchant identification code of the merchant requesting payment according to the payment information when the user makes a virtual credit card payment through the merchant category code, and obtain the physical address of the merchant requesting payment in the preset address mapping table according to the merchant identification code. It is determined whether the time when the user makes a virtual credit card payment through the merchant category code and the physical address of the payment meet the transaction validity period and transaction location at the same time, and if so, the payment operation module 55 is executed.

[0129] In a preferred embodiment, the condition verification module 54 is also configured to automatically cancel the virtual credit card when the transaction validity period expires.

[0130] The virtual credit card payment system for overseas travel of the present invention can facilitate users to temporarily apply for virtual credit cards during travel, which is fast and safe, improves the convenience of credit card consumption for users during travel, and improves user experience.

[0131] The embodiment of the present invention also provides a virtual credit card payment device for overseas travel, comprising a processor and a memory, wherein executable instructions of the processor are stored, wherein the processor is configured to execute the steps of the virtual credit card payment method for overseas travel by executing the executable instructions.

[0132] As shown above, the virtual credit card payment device for overseas travel of this embodiment of the present invention can facilitate users to temporarily apply for virtual credit cards during travel, which is fast and safe, improves the convenience of users' credit card consumption during travel, and improves user experience.

[0133] It will be appreciated by those skilled in the art that various aspects of the present invention may be implemented as systems, methods or program products. Therefore, various aspects of the present invention may be specifically implemented in the following forms, namely: complete hardware implementation, complete software implementation (including firmware, microcode, etc.), or a combination of hardware and software implementations, which may be collectively referred to herein as "circuits", "modules" or "platforms".

[0134] Figure 3 This is a schematic diagram of the structure of the virtual credit card payment device for overseas travel of the present invention. Figure 3 The electronic device 600 according to this embodiment of the present invention is described. Figure 3 The electronic device 600 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0135] like Figure 3 As shown, the electronic device 600 is in the form of a general computing device. The components of the electronic device 600 may include, but are not limited to: at least one processing unit 610, at least one storage unit 620, a bus 630 connecting different platform components (including the storage unit 620 and the processing unit 610), a display unit 640, etc.

[0136] The storage unit stores program codes, which can be executed by the processing unit 610, so that the processing unit 610 performs the steps according to various exemplary embodiments of the present invention described in the above method section of this specification. For example, the processing unit 610 can perform the following steps: Figure 1 Follow the steps shown in .

[0137] The storage unit 620 may include a readable medium in the form of a volatile storage unit, such as a random access memory unit (RAM) 6201 and / or a cache memory unit 6202 , and may further include a read-only memory unit (ROM) 6203 .

[0138] The storage unit 620 may also include a program / utility 6204 having a set (at least one) of program modules 6205, such program modules 6205 including but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment.

[0139] Bus 630 may represent one or more of several types of bus structures, including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.

[0140] The electronic device 600 may also communicate with one or more external devices 700 (e.g., keyboards, pointing devices, Bluetooth devices, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 600, and / or communicate with any device that enables the electronic device 600 to communicate with one or more other computing devices (e.g., routers, modems, etc.). Such communication may be performed via an input / output (I / O) interface 650. Furthermore, the electronic device 600 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 660. The network adapter 660 may communicate with other modules of the electronic device 600 via a bus 630. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage platforms, etc.

[0141] The embodiment of the present invention also provides a computer-readable storage medium for storing a program, and the steps of the virtual credit card payment method for overseas travel are implemented when the program is executed. In some possible implementations, various aspects of the present invention can also be implemented in the form of a program product, which includes a program code. When the program product is run on a terminal device, the program code is used to enable the terminal device to execute the steps according to various exemplary embodiments of the present invention described in the above method section of this specification.

[0142] As shown above, the virtual credit card payment system for overseas travel of this embodiment of the present invention can facilitate users to temporarily apply for virtual credit cards during travel, which is fast and safe, improves the convenience of users' credit card consumption during travel, and improves user experience.

[0143] Figure 4 Schematic diagram of the structure of the computer-readable storage medium of the present invention. Figure 4 As shown, a program product 800 for implementing the above method according to an embodiment of the present invention is described, which can adopt a portable compact disk read-only memory (CD-ROM) and include program code, and can be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited thereto. In this document, a readable storage medium can be any tangible medium containing or storing a program, which can be used by or in combination with an instruction execution system, an apparatus or a device.

[0144] The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination thereof. More specific examples (a non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof.

[0145] Computer readable storage media may include data signals propagated in baseband or as part of a carrier wave, wherein readable program codes are carried. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The readable storage medium may also be any readable medium other than a readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, device, or device. The program code contained on the readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the above.

[0146] Program code for performing the operations of the present invention may be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, as a separate software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., through the Internet using an Internet service provider).

[0147] In summary, the purpose of the present invention is to provide a virtual credit card payment method, system, device and storage medium for overseas travel, which can facilitate users to temporarily apply for virtual credit cards during travel, which is quick and safe, improves the convenience of users' credit card consumption during travel, and improves user experience.

[0148] The above contents are further detailed descriptions of the present invention in combination with specific preferred embodiments, and it cannot be determined that the specific implementation of the present invention is limited to these descriptions. For ordinary technicians in the technical field to which the present invention belongs, several simple deductions or substitutions can be made without departing from the concept of the present invention, which should be regarded as falling within the protection scope of the present invention.

Claims

1. A virtual credit card payment method for overseas travel, characterized in that: The following steps are involved: S110, defining a combination of merchant category codes; S120, assigning at least one merchant category code to the user to provide the user with a virtual credit card; S130, configuring transaction conditions for the merchant category code assigned to the user, wherein the transaction conditions at least include a transaction validity period; S140, when the user makes a virtual credit card payment through the merchant category code, verify the transaction conditions; S150. When all transaction conditions are met, perform payment operation.

2. The virtual credit card payment method for overseas travel as claimed in claim 1, characterized in that: In step S110, the card issuing bank applies to the card organization for a list of merchant category codes, and then groups and categorizes the merchant category codes and stores them in a database table.

3. The virtual credit card payment method for overseas travel as claimed in claim 2, characterized in that: In step S120, the merchant category code includes at least one of a category code of an airline travel card, a category code of a study abroad card, and a category code of an accommodation card.

4. The virtual credit card payment method for overseas travel as claimed in claim 2, characterized in that: The step S130 includes: S131. Collecting the user's overseas travel itinerary information; S132, obtaining the departure date and return date in the itinerary information; S133: configuring transaction conditions for the merchant category code assigned to the user, and establishing a transaction validity period for the virtual credit card according to the departure date and return date in the itinerary information.

5. The virtual credit card payment method for overseas travel as claimed in claim 4, characterized in that: In step S140, when the user makes a virtual credit card payment through the merchant category code, it is determined whether the time when the user makes a virtual credit card payment through the merchant category code is between the departure date and the return date. If so, step S150 is executed.

6. The virtual credit card payment method for overseas travel as claimed in claim 2, characterized in that: The step S130 includes: S136, collecting the user's overseas travel itinerary information; S137, obtaining the departure date, return date and the city visited each day during the overseas trip from the itinerary information; S138, configuring transaction conditions for the merchant category code assigned to the user, establishing a transaction validity period for the virtual credit card according to the departure date and return date in the itinerary information, and establishing a transaction location for the virtual credit card according to the city where the user is located each day; The step S140 includes: S141. When a user makes a virtual credit card payment using a merchant category code, a merchant identification code of the merchant requesting payment is obtained according to the payment information, and a physical address of the merchant requesting payment is obtained in a preset address mapping table according to the merchant identification code; S142, determining whether the time when the user makes a virtual credit card payment through the merchant category code and the physical address where the payment is made meet both the transaction validity period and the transaction location; if so, executing step S150.

7. The virtual credit card payment method for overseas travel as claimed in claim 1, characterized in that: The step S140 also includes: when the transaction validity period expires, the virtual credit card is automatically cancelled.

8. A virtual credit card payment system for overseas travel, used to implement the virtual credit card payment method for overseas travel as claimed in claim 1, characterized in that: include: Merchant category module, defines the combination of merchant category codes; a number allocation module, which allocates at least one merchant category code to a user to provide a virtual credit card to the user; A condition configuration module, configured with a transaction condition for the merchant category code assigned to the user, wherein the transaction condition at least includes a transaction validity period; A condition verification module, which verifies the transaction conditions when the user makes a virtual credit card payment through a merchant category code; The payment operation module performs the payment operation when all transaction conditions are met.

9. A virtual credit card payment device for overseas travel, characterized in that: include: processor; a memory storing executable instructions of the processor; Wherein, the processor is configured to execute the steps of the virtual credit card payment method for overseas travel as described in any one of claims 1 to 7 by executing the executable instructions.

10. A computer-readable storage medium for storing a program, characterized in that: When the program is executed by a processor, the steps of the virtual credit card payment method for overseas travel described in any one of claims 1 to 7 are implemented.

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