CN104361487A - Method and device of inter-bank automatic repayment of credit card - Google Patents
Method and device of inter-bank automatic repayment of credit card Download PDFInfo
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- CN104361487A CN104361487A CN201410592681.5A CN201410592681A CN104361487A CN 104361487 A CN104361487 A CN 104361487A CN 201410592681 A CN201410592681 A CN 201410592681A CN 104361487 A CN104361487 A CN 104361487A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The invention discloses a method and a device of inter-bank automatic repayment of a credit card. The device of the inter-bank automatic repayment of the credit card comprises a preservation module used to preserve a repayment date set by a customer, an internet bank account of the customer and a card number of the credit card of a bank different from a bank of the internet bank account, a time module used to perform time monitoring according to the repayment date and trigger a repayment module on the repayment date and the repayment module used to initiate a repayment inquiry through an inter-bank balance inquiry function of a people's bank inter-bank payment system according to the card number of the credit card so as to obtain a needed repayment amount and initiate account transfer processing from the internet bank account to the credit card according to the needed repayment amount. By adopting the method and the device of the inter-bank automatic repayment of the credit card, the inter-bank inquiry and the account transfer processing can be automatically performed according to the repayment date set in advance, complicated payment operation in the prior art is not needed, timeliness and convenience are achieved, and customer experience is improved.
Description
Technical field
The present invention relates to automatic payment technical field, more specifically, relate to method and device that a kind of credit card inter-bank refunds automatically.
Background technology
At present, credit card inter-bank is refunded and is mainly contained following two large class channels:
One, bank counter and ATM.Credit card repayment is carried out by this channel, need client initiatively go to bank or find ATM, and need client to remember the date of refunding, this does not only meet the convenience requirement of information age, and (such as, queuing etc.) delay the date of refunding easily because of various reasons.
Two, Web bank's (abbreviation Net silver).Inter-bank can be realized by using Net silver to transfer accounts, thus realize refunding in real time.But there is following defect in this mode: one is that client easily forgets that the credit card of oneself expires repayment date, needs oneself to remind and completes manual transferring accounts; Two is that to carry out by bank net the operation that inter-bank transfers accounts very complicated, such as transfers accounts at every turn and all needs to use Net silver shield etc.
Generally speaking, existing credit card inter-bank transfer account method, the action needing client initiatively to perform is too many, has a strong impact on Consumer's Experience.
Summary of the invention
For solving the problems of the technologies described above, the invention provides method and device that a kind of credit card inter-bank refunds automatically, can automatically carry out the inquiry of inter-bank and process of transferring accounts according to the refund date preset, very convenient, improve customer experience.
The object of the invention is to be realized by following technical measures:
On the one hand, the invention provides a kind of device of automatically refunding for credit card inter-bank, comprising:
Preserve module, for preserving the refund date of client's setting, the card number of the Net silver account of client and the credit card with described Net silver account different rows;
Time module, for carrying out time monitoring according to the described refund date, and triggers refund module when arriving the described refund date;
Refund module, for also initiating by the inter-bank inquiry into balance function of the People's Bank's Net silver inter-bank payment system inquiry of refunding according to the card number of described credit card, obtain the refund amount of money needing to refund, then initiate the process of transferring accounts from described Net silver account to described credit card according to the described refund amount of money.
Correspondingly, a kind of method that the present invention also provides credit card inter-bank automatically to refund, comprising:
Preserve the refund date of client's setting, the card number of the Net silver account of client and the credit card with described Net silver account different rows;
Time monitoring is carried out according to the described refund date;
When arriving the described refund date, the card number according to described credit card also initiates by the inter-bank inquiry into balance function of the People's Bank's Net silver inter-bank payment system inquiry of refunding, and obtains the refund amount of money that needs are refunded;
The process of transferring accounts from described Net silver account to described credit card is initiated according to the described refund amount of money.
The method adopting credit card inter-bank provided by the invention automatically to refund and device, the inquiry of inter-bank and process of transferring accounts can be automatically carried out according to the refund date preset, without the need to carrying out complicated delivery operation as prior art, timely and convenient, improve customer experience.
Accompanying drawing explanation
Fig. 1 is the block schematic diagram of a kind of device of automatically refunding for credit card inter-bank according to the embodiment of the present invention;
Fig. 2 is a kind of block schematic diagram of the refund module of automatic refund device according to Fig. 1;
Fig. 3 is the schematic flow sheet of the method for automatically refunding according to a kind of credit card inter-bank of the embodiment of the present invention.
Embodiment
Below in conjunction with accompanying drawing, clear, complete description is carried out to the technical scheme in the embodiment of the present invention.
Fig. 1 is the block schematic diagram of a kind of device of automatically refunding for credit card inter-bank according to the embodiment of the present invention, and with reference to Fig. 1, automatic refund device 1 comprises preserves module 11, time module 12 and refund module 13, is described respectively below.
Preserve module 11, for preserving the refund date of client's setting, the card number of the Net silver account of client and the credit card with described Net silver account different rows.
Time module 12, for carrying out time monitoring according to the described refund date, and triggers refund module 13 when arriving the described refund date.
Refund module 13, for also initiating by the inter-bank inquiry into balance function of the People's Bank's Net silver inter-bank payment system inquiry of refunding according to the card number of described credit card, obtain the refund amount of money needing to refund, and initiate the process of transferring accounts from described Net silver account to described credit card according to the described refund amount of money.
Alternatively, in a kind of implementation of the present embodiment, as shown in Figure 2, refund module 13 comprises refund inquiry submodule 131 and transfer request submodule 132.Wherein,
Refund and inquire about submodule 131, for passing through the People's Bank's Net silver inter-bank payment system to described credit card place bank (such as, the inquiry system of this bank) send refund inquiry request, then described credit card place bank is received (such as by the People's Bank's Net silver inter-bank payment system, the inquiry system of this bank) response message that returns, wherein, described refund inquiry request comprises the card number of described credit card, and described response message comprises the described refund amount of money.In one more specifically implementation, inquiry submodule 131 of refunding sends refund inquiry request, refund inquiry request is sent to credit card place bank by the People's Bank's Net silver inter-bank payment system to the People's Bank's Net silver inter-bank payment system; Then response message is sent to the People's Bank's Net silver inter-bank payment system by credit card place bank, response message is sent to inquiry submodule 131 of refunding by the People's Bank's Net silver inter-bank payment system.
Transfer request submodule 132, for sending transfer request to carry out process of transferring accounts to by the People's Bank's Net silver inter-bank payment system to described credit card place bank, described transfer request comprises the card number of the described refund amount of money, described Net silver account and described credit card.Wherein, the People's Bank's Net silver inter-bank payment system carries out according to the card number (that is, proceeding to account) of Net silver account (that is, producing account), credit card and the refund amount of money process of transferring accounts.
It will be appreciated by those skilled in the art that the People's Bank's Net silver inter-bank payment system is responsible for processing inter bank transfer business, specifically the transfer accounts processing procedure of the present invention to the People's Bank's Net silver inter-bank payment system does not limit.
The automatic refund device 1 adopting the embodiment of the present invention to provide, can carry out the inquiry of inter-bank and process of transferring accounts automatically according to the refund date preset, very convenient, improves customer experience.
Alternatively, in a kind of implementation of the present embodiment, automatic refund device 1 can also comprise client's prompting module, after completing in process of transferring accounts, send expression to client to transfer accounts successful instant message (such as, send client reminder message or inform by short message etc.).Wherein, automatic refund device 1 can after receiving the success message of transferring accounts that the People's Bank Net silver inter-bank payment system sends, and process of determining to transfer accounts completes.
The automatic refund device 1 that the embodiment of the present invention provides, can be integrated in the e-Bank payment system of Construction Bank or other bank, so that the query processing realizing refund remaining sum by communicating with the People's Bank Net silver inter-bank payment system and transferring accounts processes.
In a kind of embody rule scene of the present embodiment, the Net silver account of oneself and credit card that he manages it are done inter-bank and are inquired about signing by client, and set the refund date by automatic refund device 1 provided by the invention.Automatic refund device 1 can carry out time monitoring and when arriving the refund date, carry out the inquiry of the refund amount of money according to the credit card number that he manages it, and carries out process of transferring accounts afterwards according to the refund amount of money obtained.
Below by reference to the accompanying drawings the device embodiment according to the embodiment of the present invention is illustrated, below in conjunction with accompanying drawing, the embodiment of the method according to the embodiment of the present invention is described.
Fig. 3 is the schematic flow sheet of the method for automatically refunding according to a kind of credit card inter-bank of the embodiment of the present invention, and with reference to Fig. 3, described method comprises:
300: preserve the refund date of client's setting, the card number of the Net silver account of client and the credit card with described Net silver account different rows.
Such as, the Net silver account of client and credit card are contracted by the e-Bank payment system of Construction Bank by client, now, preserve the Net silver account of client and the card number of credit card.And while signing, can provide the date of refunding that window is set for client, thus receive and preserve the refund date that client inputs.
302: carry out time monitoring according to the described refund date.
304: when arriving the described refund date, the card number according to described credit card also initiates by the inter-bank inquiry into balance function of the People's Bank's Net silver inter-bank payment system inquiry of refunding, and obtains the refund amount of money that needs are refunded.
Alternatively, in a kind of implementation of the present embodiment, 304 comprise: by described the People's Bank Net silver inter-bank payment system to described credit card place bank (such as, the inquiry system of this bank) send refund inquiry request, described refund inquiry request comprises the card number of described credit card; Receive the response message that described credit card place bank (such as, the inquiry system of this bank) returns, described response message comprises the described refund amount of money.
306: initiate the process of transferring accounts from described Net silver account to described credit card according to the described refund amount of money.
Alternatively, in a kind of implementation of the present embodiment, 306 comprise: send transfer request to transfer accounts process described in carrying out by the People's Bank's Net silver inter-bank payment system to described credit card place bank, described transfer request comprises the card number of the described refund amount of money, described Net silver account and described credit card.
The method adopting the embodiment of the present invention to provide, can carry out the inquiry of inter-bank and process of transferring accounts automatically according to the refund date preset, very convenient, improves customer experience.
Alternatively, in a kind of implementation of the present embodiment, after process of transferring accounts completes (such as, after the success message of transferring accounts receiving the People's Bank's Net silver inter-bank payment system transmission), send expression to client to transfer accounts successful instant message, to notify client in time.
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention and can realize by the mode of software combined with hardware platform, can certainly all be implemented by hardware.Based on such understanding, what technical scheme of the present invention contributed to background technology can embody with the form of software product in whole or in part, this computer software product can be stored in storage medium, as ROM/RAM, magnetic disc, CD etc., comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform the method described in some part of each embodiment of the present invention or embodiment.
Above disclosedly be only the preferred embodiments of the present invention; certainly protection scope of the present invention can not be limited with this; therefore according to the equivalent variations that the instruction of the claims in the present invention is done above-described embodiment, still belong in scope that the claims in the present invention contain.
Claims (7)
1. for the device that credit card inter-bank is refunded automatically, it is characterized in that, described device comprises:
Preserve module, for preserving the refund date of client's setting, the card number of the Net silver account of client and the credit card with described Net silver account different rows;
Time module, for carrying out time monitoring according to the described refund date, and triggers refund module when arriving the described refund date;
Refund module, for also initiating by the inter-bank inquiry into balance function of the People's Bank's Net silver inter-bank payment system inquiry of refunding according to the card number of described credit card, obtain the refund amount of money needing to refund, then initiate the process of transferring accounts from described Net silver account to described credit card according to the described refund amount of money.
2. device as claimed in claim 1, it is characterized in that, described refund module comprises:
Refund and inquire about submodule, for sending refund inquiry request by described the People's Bank Net silver inter-bank payment system to described credit card place bank, and receive by described the People's Bank inter-bank payment system the response message that described credit card place bank returns, wherein, described refund inquiry request comprises the card number of described credit card, and described response message comprises the described refund amount of money;
Transfer request submodule, for sending transfer request to transfer accounts process described in carrying out by described the People's Bank Net silver inter-bank payment system to described credit card place bank, described transfer request comprises the card number of the described refund amount of money, described Net silver account and described credit card.
3. device as claimed in claim 1, it is characterized in that, described device also comprises:
Client's prompting module, after completing in described process of transferring accounts, sends expression to client and to transfer accounts successful instant message.
4. a credit card inter-bank method of automatically refunding, it is characterized in that, described method comprises:
Preserve the refund date of client's setting, the card number of the Net silver account of client and the credit card with described Net silver account different rows;
Time monitoring is carried out according to the described refund date;
When arriving the described refund date, the card number according to described credit card also initiates by the inter-bank inquiry into balance function of the People's Bank's Net silver inter-bank payment system inquiry of refunding, and obtains the refund amount of money that needs are refunded;
The process of transferring accounts from described Net silver account to described credit card is initiated according to the described refund amount of money.
5. method as claimed in claim 4, is characterized in that, the card number according to described credit card also initiates by the inter-bank inquiry into balance function of the People's Bank's Net silver inter-bank payment system inquiry of refunding, and obtains the refund amount of money that needs are refunded, comprising:
Send refund inquiry request by described the People's Bank Net silver inter-bank payment system to described credit card place bank, described refund inquiry request comprises the card number of described credit card;
Receive by described the People's Bank Net silver inter-bank payment system the response message that described credit card place bank returns, described response message comprises the described refund amount of money.
6. method as claimed in claim 4, is characterized in that, initiates the process of transferring accounts from described Net silver account to described credit card, comprising according to the described refund amount of money:
Send transfer request to transfer accounts process described in carrying out by described the People's Bank Net silver inter-bank payment system to described credit card place bank, described transfer request comprises the card number of the described refund amount of money, described Net silver account and described credit card.
7. method as claimed in claim 4, is characterized in that, also comprise:
After described process of transferring accounts completes, send expression to client and to transfer accounts successful instant message.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410592681.5A CN104361487A (en) | 2014-10-29 | 2014-10-29 | Method and device of inter-bank automatic repayment of credit card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410592681.5A CN104361487A (en) | 2014-10-29 | 2014-10-29 | Method and device of inter-bank automatic repayment of credit card |
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| CN104361487A true CN104361487A (en) | 2015-02-18 |
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| CN201410592681.5A Pending CN104361487A (en) | 2014-10-29 | 2014-10-29 | Method and device of inter-bank automatic repayment of credit card |
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Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105205716A (en) * | 2015-10-28 | 2015-12-30 | 平安科技（深圳）有限公司 | Credit card repayment method and device |
| CN106933656A (en) * | 2015-12-29 | 2017-07-07 | 腾讯科技（深圳）有限公司 | Event execution method and device |
| CN106933655A (en) * | 2015-12-29 | 2017-07-07 | 腾讯科技（深圳）有限公司 | Event execution method and device |
| WO2017128371A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Information pushing method during credit card balance monitoring and smart prompting system |
| CN107122963A (en) * | 2016-02-24 | 2017-09-01 | 阿里巴巴集团控股有限公司 | A kind of method and apparatus paid |
| CN107146153A (en) * | 2017-05-05 | 2017-09-08 | 国信嘉宁数据技术有限公司 | Data security method, server and the system of automatic reimbursement business |
| CN108335197A (en) * | 2018-01-25 | 2018-07-27 | 平安科技（深圳）有限公司 | Automatic repayment method, bank server, storage medium and device of refunding automatically |
| CN108389127A (en) * | 2018-03-22 | 2018-08-10 | 中国银行股份有限公司 | A kind of automatic recovery method and device of expense |
| CN108492170A (en) * | 2018-02-26 | 2018-09-04 | 平安普惠企业管理有限公司 | A kind of repayment method, computer readable storage medium and terminal device |
| CN108711047A (en) * | 2018-04-09 | 2018-10-26 | 平安科技（深圳）有限公司 | A kind of automatic repayment method, system and terminal device |
| CN109816367A (en) * | 2019-01-04 | 2019-05-28 | 平安科技（深圳）有限公司 | Transaction processing method, terminal device and computer storage medium |
| WO2019205218A1 (en) * | 2018-04-26 | 2019-10-31 | 卫盈联信息技术（深圳）有限公司 | Automatic loan repayment method, system and device and storage medium |
| CN110996273A (en) * | 2019-11-28 | 2020-04-10 | 中国银行股份有限公司 | Automatic overdue payment collection method and device |
| CN111445325A (en) * | 2020-04-13 | 2020-07-24 | 中国银行股份有限公司 | Credit card information processing method, device, system and storage medium |
| CN112561693A (en) * | 2020-12-25 | 2021-03-26 | 中国建设银行股份有限公司 | Automatic payment method, device, electronic equipment and computer readable storage medium |
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| CN101840606A (en) * | 2010-05-17 | 2010-09-22 | 成都中联信通科技有限公司 | Credit card payment system and method based on mobile payment and bill active pushing |
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Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105205716A (en) * | 2015-10-28 | 2015-12-30 | 平安科技（深圳）有限公司 | Credit card repayment method and device |
| CN106933656A (en) * | 2015-12-29 | 2017-07-07 | 腾讯科技（深圳）有限公司 | Event execution method and device |
| CN106933655A (en) * | 2015-12-29 | 2017-07-07 | 腾讯科技（深圳）有限公司 | Event execution method and device |
| WO2017128371A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Information pushing method during credit card balance monitoring and smart prompting system |
| CN107122963A (en) * | 2016-02-24 | 2017-09-01 | 阿里巴巴集团控股有限公司 | A kind of method and apparatus paid |
| CN107122963B (en) * | 2016-02-24 | 2020-10-16 | 阿里巴巴集团控股有限公司 | Payment method and equipment |
| CN107146153A (en) * | 2017-05-05 | 2017-09-08 | 国信嘉宁数据技术有限公司 | Data security method, server and the system of automatic reimbursement business |
| CN108335197A (en) * | 2018-01-25 | 2018-07-27 | 平安科技（深圳）有限公司 | Automatic repayment method, bank server, storage medium and device of refunding automatically |
| CN108492170A (en) * | 2018-02-26 | 2018-09-04 | 平安普惠企业管理有限公司 | A kind of repayment method, computer readable storage medium and terminal device |
| CN108389127A (en) * | 2018-03-22 | 2018-08-10 | 中国银行股份有限公司 | A kind of automatic recovery method and device of expense |
| CN108711047A (en) * | 2018-04-09 | 2018-10-26 | 平安科技（深圳）有限公司 | A kind of automatic repayment method, system and terminal device |
| WO2019196257A1 (en) * | 2018-04-09 | 2019-10-17 | 平安科技（深圳）有限公司 | Automatic repayment method and system, and terminal device |
| CN108711047B (en) * | 2018-04-09 | 2023-04-18 | 平安科技（深圳）有限公司 | Automatic repayment method, system and terminal equipment |
| WO2019205218A1 (en) * | 2018-04-26 | 2019-10-31 | 卫盈联信息技术（深圳）有限公司 | Automatic loan repayment method, system and device and storage medium |
| CN109816367A (en) * | 2019-01-04 | 2019-05-28 | 平安科技（深圳）有限公司 | Transaction processing method, terminal device and computer storage medium |
| CN110996273A (en) * | 2019-11-28 | 2020-04-10 | 中国银行股份有限公司 | Automatic overdue payment collection method and device |
| CN111445325A (en) * | 2020-04-13 | 2020-07-24 | 中国银行股份有限公司 | Credit card information processing method, device, system and storage medium |
| CN111445325B (en) * | 2020-04-13 | 2023-09-15 | 中国银行股份有限公司 | Credit card information processing method, device, system and storage medium |
| CN112561693A (en) * | 2020-12-25 | 2021-03-26 | 中国建设银行股份有限公司 | Automatic payment method, device, electronic equipment and computer readable storage medium |
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