CN102270332A - System and method for guaranteeing safe use of credit line of credit card of client - Google Patents
System and method for guaranteeing safe use of credit line of credit card of client Download PDFInfo
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- CN102270332A CN102270332A CN2010101940069A CN201010194006A CN102270332A CN 102270332 A CN102270332 A CN 102270332A CN 2010101940069 A CN2010101940069 A CN 2010101940069A CN 201010194006 A CN201010194006 A CN 201010194006A CN 102270332 A CN102270332 A CN 102270332A
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Abstract
The invention discloses a system and a method for guaranteeing safe use of a credit line of a credit card of a client. The method comprises the following steps of: a, sending instruction information to a credit card center according to requirements by a user to require to activate temporary use credit line of a credit card unit; and b, judging the user according to the instruction information by the credit card center to judge whether the temporary use credit line of the credit card unit of the user is activated or not. Compared with the prior art, the method has the advantages that: the problems met by the user in the credit card using process can be solved conveniently, the loss of the user is reduced to minimum after the credit card information is embezzled, and the problem that a card holder whose repayment capacity does not meet the requirement spends money unconsciously so bank risk is increased is avoided.
Description
Technical field
The invention belongs to the financial sector field, what be specifically related to is the credit card credit line, particularly a kind of system and method that ensures the safe handling of client's credit card credit line.
Background technology
Along with the continuous development of society, the block trade between trans-regional, transnational and even intercontinental is more and more, and traditional means of payment can not satisfy the needs of modern society's commodity transaction and consumption, and bank card is seasonable and give birth to.Because characteristics such as the convenience of its use, securities, people more and more are accustomed to using various bank cards to be concluded the business and do not re-use money transaction.
Bank card mainly is two kinds of debit card and credits card with regard to function at present.Debit card is mainly used in other financing such as savings, consumption, account transfer, security, capital investment, and credit card to be credit card issuer the give credit line certain with the holder, the bank card that the holder can refund in consumption earlier, back in credit line.
Because credit card adopts is the post-pay mechanism of consumption earlier, so the user can carry out bankcard consumption in the limit of high overdraw at credit card, and has surpassed just normal bankcard consumption of this highest limit of overdrawn account.Only there is a credit line in present credit card, and mainly there is following problem in it:
1, when the user carries out wholesale consumption,, can not consume, bring very big inconvenience to the user if surpass the credit line of this credit card;
If 2 user credit cards are lost or user profile is revealed by the people to manufacturing pseudo-card, then may exist credit card to be falsely used by the people, all governable amount of money in the credit card credit line are usurped, brought great loss to user and bank, its security performance is not high;
3, there is unconscious consumption phenomenon at present a lot of users (as the student) when using POS, can not rationally arrange, and exceed its loan repayment capacity through regular meeting, can bring great risk to bank like this.
Summary of the invention
For addressing the above problem; the object of the present invention is to provide a kind of system and method for the client's of guarantee credit card credit line safe handling; by giving usually basic amount of user credit card setting and the interim amount of using, consume requirement, avoid the stolen back of credit card to reduce user's loss and reduction risk of bank with the wholesale that satisfies the user.
For achieving the above object, the present invention is mainly by the following technical solutions:
A kind of system that ensures the safe handling of client's credit card credit line includes:
One user terminal, this user terminal comprise communication unit and credit card unit, and the credit line of described credit card unit is made of usual basic amount and the interim amount of using;
One credit card center comprises assessment unit and credit unit, and the credit card center is used to receive the command information of communication unit, and this command information is sent to assessment unit, after this assessment unit assessment, sends to the credit unit and carries out credit.
Wherein said communication unit is a communication terminal.
Usual basic amount in the wherein said credit card unit is in state of activation.
Interim use amount in the wherein said credit card unit is in unactivated state.
In addition, the present invention also provides a kind of method of the client's of guarantee credit card credit line safe handling, and it mainly includes step:
A, user send command information as required to the credit card center, require to activate the interim use amount of credit card unit;
B, credit card center are judged the user according to command information, to determine whether to activate the interim use amount of this user credit card unit.
Wherein step a specifically comprises:
When the user uses credit card to use amount at needs temporarily,, send the command information of the interim use amount that requires activation credit card unit by the communication of communication unit foundation with the credit card center.
Wherein step b specifically comprises:
B1: the assessment unit at credit card center is assessed user's credit rating, passes through as assessment, then sends activation instruction to the credit unit;
B2: after the credit unit receives above-mentioned activation instruction, the interim use amount in the excited users terminal credit card unit.
The present invention uses amount by credit card being set usual basic amount with interim, and makes interim use amount be in unactivated state, and compared with prior art, the present invention has following beneficial effect:
When 1, the user carries out wholesale consumption by credit card, can apply for, activate interim use amount, thereby finish consumption, be very easy to the user to the credit card center;
If 2 user credit cards are lost or user profile is revealed by the people to manufacturing pseudo-card, the interim use amount in the user credit card is owing to be in unactivated state, so can avoid the loss of this part, can effectively reduce the loss of user and bank.
3, owing to activate temporarily when using amount in user applies, need carry out the credit rating assessment to it, if assessment not by could not activate, therefore can effectively avoid unconscious consumption phenomenon to occur, can reduce risk of bank.
Description of drawings
Fig. 1 is a system chart of the present invention.
Fig. 2 is a principle of work process flow diagram of the present invention.
Embodiment
Core concept of the present invention is: by setting usual basic amount of credit card and the interim amount of using; and make usual basic amount be in state of activation; and use amount to be in unactivated state temporarily; to guarantee the user when needed; can activate the interim use amount of credit card by the credit card center; to ensure the carrying out of wholesale consumption, when the generation credit card is stolen, reduce the loss of user and bank simultaneously.
For setting forth thought of the present invention and purpose, the present invention is described further below in conjunction with the drawings and specific embodiments.
See also shown in Figure 1ly, the present invention is to provide the system of a kind of client's of guarantee credit card credit line safe handling, include: user terminal and credit card center.
Described user terminal comprises communication unit and credit card unit; communication unit comprises communication terminal (mobile phone), landline telephone and Internet etc.; the credit line of described credit card unit is made of usual basic amount and the interim amount of using; wherein said usual basic amount is in state of activation; use amount then to be in unactivated state temporarily; promptly when consumption use at ordinary times, the user can only arrange usual basic amount, can't arrange interim use amount.
Described credit card center, comprise assessment unit and credit unit, the credit card center is used to receive the command information of communication unit, and transfer this user's identity information according to this command information, and it is carried out identity verification, examine by after, then the command information with the user is issued to assessment unit, assessment unit basis user's credit rating is in the past assessed it, and assessment result is issued to the credit unit, determine whether it is carried out credit by the credit unit, and whether final decision activates the interim use amount of this user credit card.
More than be that the system that a kind of client's of guarantee credit card credit line of the present invention is used safely is illustrated, the present invention ensured that the method for client's credit card credit line safe handling is further described below in conjunction with Fig. 2.
See also shown in Figure 2ly, Fig. 2 is a principle of work process flow diagram of the present invention.Wherein the present invention ensures that the method for client's credit card credit line safe handling specifically includes following steps:
A, user send command information as required to the credit card center, require to activate the interim use amount of credit card unit;
Wherein carrying out wholesale when consumption by credit card as the user; and the consumption amount of money is when having surpassed the usual basic amount of credit card; then can not finish transaction; finish in order to make transaction this moment; the user can send to the credit card center of credit card issuer by modes such as portable terminal, landline telephone, networks and require activate the interim command information that uses amount in the credit card unit, and the communication of setting up between the seat representative with the credit card center is connected.
B, credit card center are judged the user according to command information, to determine whether to activate the interim use amount of this user credit card unit.
Wherein step b specifically comprises:
B1: the assessment unit at credit card center is assessed user's credit rating, passes through as assessment, then sends activation instruction to the credit unit;
Wherein before b1, also comprise, the seat personnel at credit card center can be carried out identity verification to this user, and it is examined means and includes but not limited to that ID (identity number) card No. examines, reserves that authentication password is examined and mode such as personal information, can not pass through if examine, then the request of refusing user's; If examine by, then enter into assessment unit.
Afterwards, assessment unit can be assessed user's credit rating, such as to holder's previous credit card trade refund record, social action, economic strength and the investigation of abiding by situations such as contract, draws assessment result, if assess defective, refusing user's request then; If it is qualified to assess, then sends and to activate the instruction that this user uses amount temporarily, and enter into the credit unit.
B2: after the credit unit receives above-mentioned activation instruction, the interim use amount in the excited users terminal credit card unit.
Making amendment to this user's credit card amount by the credit card center after obtaining above-mentioned instruction in the credit unit, activates interim use amount, and inform the user with phone or short message mode, finishes activation.
This method that the present invention adopts, the problem that can greatly make things convenient for the user in using the credit card process, to be run into, and guaranteed that the user is after credit card information is stolen, loss is reduced to minimum, also avoided the unconscious consumption of the undesirable holder of loan repayment capacity simultaneously, and the bank risk that brings increases problem.
More than be that the system and method that a kind of client's of guarantee credit card credit line provided by the present invention is used safely is described in detail, used specific case herein structural principle of the present invention and embodiment are set forth, above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (7)
1. system that ensures client's credit card credit line safe handling is characterized in that including:
One user terminal, this user terminal comprise communication unit and credit card unit, and the credit line of described credit card unit is made of usual basic amount and the interim amount of using;
One credit card center comprises assessment unit and credit unit, and the credit card center is used to receive the command information of communication unit, and this command information is sent to assessment unit, after this assessment unit assessment, sends to the credit unit and carries out credit.
2. the system of guarantee client credit card credit line according to claim 1 safe handling is characterized in that described communication unit is a communication terminal.
3. the system of guarantee client credit card credit line according to claim 1 safe handling is characterized in that the usual basic amount in the described credit card unit is in state of activation.
4. the system of guarantee client credit card credit line according to claim 1 safe handling is characterized in that the interim use amount in the described credit card unit is in unactivated state.
5. method that ensures client's credit card credit line safe handling is characterized in that comprising step:
A, user send command information as required to the credit card center, require to activate the interim use amount of credit card unit;
B, credit card center are judged the user according to command information, to determine whether to activate the interim use amount of this user credit card unit.
6. the method for guarantee client credit card credit line according to claim 5 safe handling is characterized in that step a specifically comprises:
When the user uses credit card to use amount at needs temporarily,, send the command information of the interim use amount that requires activation credit card unit by the communication of communication unit foundation with the credit card center.
7. the method for guarantee client credit card credit line according to claim 5 safe handling is characterized in that step b specifically comprises:
B1: the assessment unit at credit card center is assessed user's credit rating, passes through as assessment, then sends activation instruction to the credit unit;
B2: after the credit unit receives above-mentioned activation instruction, the interim use amount in the excited users terminal credit card unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101940069A CN102270332A (en) | 2010-06-02 | 2010-06-02 | System and method for guaranteeing safe use of credit line of credit card of client |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101940069A CN102270332A (en) | 2010-06-02 | 2010-06-02 | System and method for guaranteeing safe use of credit line of credit card of client |
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| CN102270332A true CN102270332A (en) | 2011-12-07 |
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| CN2010101940069A Pending CN102270332A (en) | 2010-06-02 | 2010-06-02 | System and method for guaranteeing safe use of credit line of credit card of client |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106780011A (en) * | 2016-12-28 | 2017-05-31 | 中国建设银行股份有限公司 | A kind of transaction processing method and device |
| CN107798595A (en) * | 2016-09-05 | 2018-03-13 | 上海前隆信息科技有限公司 | A kind of method and device of amount adjustment |
| CN107808340A (en) * | 2017-09-08 | 2018-03-16 | 海联金汇科技股份有限公司 | A kind of credit card management method and equipment |
| CN110490594A (en) * | 2019-07-18 | 2019-11-22 | 招联消费金融有限公司 | Business data processing method, device, computer equipment and storage medium |
-
2010
- 2010-06-02 CN CN2010101940069A patent/CN102270332A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107798595A (en) * | 2016-09-05 | 2018-03-13 | 上海前隆信息科技有限公司 | A kind of method and device of amount adjustment |
| CN106780011A (en) * | 2016-12-28 | 2017-05-31 | 中国建设银行股份有限公司 | A kind of transaction processing method and device |
| CN107808340A (en) * | 2017-09-08 | 2018-03-16 | 海联金汇科技股份有限公司 | A kind of credit card management method and equipment |
| CN110490594A (en) * | 2019-07-18 | 2019-11-22 | 招联消费金融有限公司 | Business data processing method, device, computer equipment and storage medium |
| CN110490594B (en) * | 2019-07-18 | 2022-06-17 | 招联消费金融有限公司 | Service data processing method and device, computer equipment and storage medium |
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Application publication date: 20111207 |