Data processing method, apparatus, and device, computer storage medium, and program product

By verifying identity and providing receiving account information and a unique international identifier, overseas individuals can directly remit funds to prepaid cards. This solves the operational complexity and difficulty of depositing funds when overseas individuals use prepaid cards, achieving convenient fund deposits and low-risk, high-success-rate remittances.

WO2026137936A1PCT designated stage Publication Date: 2026-07-02CHINA UNIONPAY
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Patent Information

Authority / Receiving Office
WO · WO
Patent Type
Applications
Current Assignee / Owner
CHINA UNIONPAY
Filing Date
2025-08-28
Publication Date
2026-07-02

AI Technical Summary

Technical Problem

Foreigners face complex procedures when using prepaid cards, making it difficult to deposit funds with a low success rate. Furthermore, linking foreign cards for payment incurs high transaction fees.

Method used

By receiving remittance and top-up requests, the system verifies the user's identity and provides the receiving account information, receiving institution information, and the receiving institution's internationally unique identifier corresponding to the prepaid card, allowing overseas individuals to directly remit funds through overseas accounts without needing to link a personal bank card.

Benefits of technology

It reduces the risk of misuse of prepaid cards for remittances, simplifies the operation process, improves the success rate of fund deposits, avoids high handling fees, and provides a convenient way to deposit funds.

✦ Generated by Eureka AI based on patent content.

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Abstract

The present application discloses a data processing method, apparatus, and device, a computer storage medium, and a program product. The method comprises: receiving a remittance top-up request for a prepaid card; performing identity verification on a user initiating the remittance top-up request; upon successful verification, providing receiving account information, receiving institution information, and an international unique identifier of a receiving institution corresponding to the prepaid card, the receiving account information, the receiving institution information, and the international unique identifier corresponding to the prepaid card being used for a remittance account to make a remittance to a receiving account corresponding to the prepaid card, and the remittance account being an overseas account; and receiving a remittance top-up response for the prepaid card, and generating a remittance top-up result of the prepaid card.
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