CN108009819A - A kind of method and system of credit cards payment by instalments - Google Patents
A kind of method and system of credit cards payment by instalments Download PDFInfo
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- CN108009819A CN108009819A CN201711248353.3A CN201711248353A CN108009819A CN 108009819 A CN108009819 A CN 108009819A CN 201711248353 A CN201711248353 A CN 201711248353A CN 108009819 A CN108009819 A CN 108009819A
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- G—PHYSICS
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- 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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- 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
- G06Q20/405—Establishing or using transaction specific rules
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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
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
An embodiment of the present invention provides a kind of method and system of credit cards payment by instalments, wherein, the described method includes：Receive and be traded caused transaction data using credit card；Checking treatment is carried out to the transaction data；The mobile terminal of the user corresponding to transaction data passed through to verification sends monthly payment plan and invites information；Receive the return information that the user terminal invites information return according to the monthly payment plan；Monthly payment plan processing is carried out according to the transaction data and the return information；Monthly payment plan is handled successful notification message to send to the mobile terminal.The embodiment of the present invention triggers credit cards payment by instalments for user automatically and invites, user only needs to invite the requirement return information in information according to monthly payment plan, automatically monthly payment plan can be handled for user, the problem of user is inconvenient to answer or misses phone is avoided, optimizes the service experience of credit cards payment by instalments user.
Description
Technical field
The present embodiments relate to financial technology field, more particularly to a kind of method and system of credit cards payment by instalments.
Background technology
In financial industry, the implementation of traditional credit cards payment by instalments is to be traded it using credit card in user
Afterwards, by manually handling credit cards payment by instalments by the form of telephone outbound call for user, in actual mechanical process, often due to
User answers inconvenience or misses, and causes user to handle credit cards payment by instalments in time, while also reduces the clothes of user
Business experience.
The content of the invention
An embodiment of the present invention provides a kind of method and system of credit cards payment by instalments, to solve existing credit card point
The problem of phase implementation of payment causes user to handle credit cards payment by instalments in time, and service experience is low.
One side according to embodiments of the present invention, there is provided a kind of method of credit cards payment by instalments, including：
Receive and be traded caused transaction data using credit card；
Checking treatment is carried out to the transaction data；
The mobile terminal of the user corresponding to transaction data passed through to verification sends monthly payment plan and invites information；
Receive the return information that the user terminal invites information return according to the monthly payment plan；
Monthly payment plan processing is carried out according to the transaction data and the return information；
Monthly payment plan is handled successful notification message to send to the mobile terminal.
Alternatively, the transaction data includes：Transaction journal number, credit card number, cell-phone number, Customs Assigned Number, trade gold
Volume, authorization code, trade date, exchange hour.
Alternatively, it is described that monthly payment plan processing is carried out according to the transaction data and the return information, including：
The corresponding maximum of the transaction data is inquired about from database according to the transaction data can the amount of money by stages；
If the maximum can be more than the transaction amount in the transaction data by the amount of money by stages, and the transaction data belongs to not
Single cross of entering an item of expenditure in the accounts is easy, and the monthly payment plan information in the return information carries out monthly payment plan processing.
Alternatively, it is described to transaction data progress checking treatment, including：
Judge whether the user is black list user according to the cell-phone number and the database.
Alternatively, the mobile terminal of the user corresponding to the transaction data passed through to verification sends monthly payment plan and invites
Information, including：
Serial issue and rate corresponding with the issue are inquired about from credit card core system by query interface；
Calculate serial service charge；
Serial issue and rate corresponding with the issue and the service charge are sent to described mobile whole
End.
Alternatively, it is described monthly payment plan processing is carried out according to the transaction data and the return information before, it is described
Method further includes：
Judge whether the transaction data meets Requirements for Acceptance of paying by instalments according to the return information.
It is alternatively, described to judge whether the transaction data meets Requirements for Acceptance of paying by instalments according to the return information,
Including：
Reply serial number in the return information judges whether the transaction data belongs to daylight trading；
If belong to daylight trading, it is determined that the transaction data meets the monthly payment plan Requirements for Acceptance.
Another aspect according to embodiments of the present invention, there is provided a kind of system of credit cards payment by instalments, including：
Transaction data receiving module, caused transaction data is traded for receiving using credit card；
Transaction data correction verification module, for carrying out checking treatment to the transaction data；
Sending module is invited, the mobile terminal for the user corresponding to the transaction data that passes through to verification is sent to be paid by stages
Money invites information；
Return information receiving module, returning for information return is invited for receiving the user terminal according to the monthly payment plan
Complex information；
Monthly payment plan module, for carrying out monthly payment plan processing according to the transaction data and the return information；
Notification message sending module, sends to the mobile terminal for monthly payment plan to be handled successful notification message.
Alternatively, the transaction data includes：Transaction journal number, credit card number, cell-phone number, Customs Assigned Number, trade gold
Volume, authorization code, trade date, exchange hour.
Alternatively, the monthly payment plan module is used for：
The corresponding maximum of the transaction data is inquired about from database according to the transaction data can the amount of money by stages；
If the maximum can be more than the transaction amount in the transaction data by the amount of money by stages, and the transaction data belongs to not
Single cross of entering an item of expenditure in the accounts is easy, and the monthly payment plan information in the return information carries out monthly payment plan processing.According to embodiments of the present invention
The method and system of the credit cards payment by instalments of offer, after user is traded using credit card, receives produced by merchandising
Transaction data；The movement of the user after checking treatment corresponding to the transaction data that passes through to verification is carried out to the transaction data
Terminal sends monthly payment plan and invites information；User invites information according to the monthly payment plan received and handles monthly payment plan, sends back
Complex information, receives the return information that the user terminal invites information return according to the monthly payment plan；According to the number of deals
Monthly payment plan processing is carried out according to the return information；Monthly payment plan is handled successful notification message to send to described mobile whole
End.
The embodiment of the present invention triggers credit cards payment by instalments for user automatically and invites, and user only needs to invite according to monthly payment plan
Requirement return information about in information, you can handle monthly payment plan automatically for user, avoiding user is inconvenient to answer or leaks
The problem of answering the call, optimizes the service experience of credit cards payment by instalments user.
Brief description of the drawings
Fig. 1 is a kind of step flow chart of the method for according to embodiments of the present invention one credit cards payment by instalments；
Fig. 2 is to invite short message flow chart in a kind of method of according to embodiments of the present invention one credit cards payment by instalments；
Fig. 3 is the uplink short message process flow in a kind of method of according to embodiments of the present invention one credit cards payment by instalments
Figure；
Fig. 4 is the batch processing flow chart in a kind of method of according to embodiments of the present invention one credit cards payment by instalments；
Fig. 5 is a kind of structure diagram of the system of according to embodiments of the present invention two credit cards payment by instalments.
Embodiment
(identical label represents identical element in some attached drawings) and embodiment below in conjunction with the accompanying drawings, implement the present invention
The embodiment of example is described in further detail.Following embodiments are used to illustrate the present invention, but are not limited to the present invention
Scope.
It will be understood by those skilled in the art that the term such as " first ", " second " in the embodiment of the present invention is only used for distinguishing
Different step, equipment or module etc., neither represent any particular technology implication, also do not indicate that the inevitable logic between them is suitable
Sequence.
Embodiment one
Reference Fig. 1, shows a kind of step flow of the method for according to embodiments of the present invention one credit cards payment by instalments
Figure.
The method of the credit cards payment by instalments of the present embodiment specifically may include steps of：
Step S100, receive and be traded caused transaction data using credit card.
In the embodiment of the present invention, user carries out bankcard consumption, card swiping terminal using credit card on the card swiping terminals such as POS machine
Transaction data caused by bankcard consumption sends to (embodiment of the present invention unites credit card core system to credit card core system
One is known as V+ systems).V+ systems are when the transaction amount in judging transaction data is more than or equal to 500 yuan, by transaction data
Send that (embodiment of the present invention is by credit card centre third party's business development platform to credit card centre third party business development platform
It is collectively referred to as third-party platform).
Alternatively, the transaction data includes but is not limited to：Transaction journal number, credit card number, cell-phone number, Yong Hubian
Number, transaction amount, authorization code, trade date, exchange hour etc..
Step S102, checking treatment is carried out to the transaction data.
In the embodiment of the present invention, after third-party platform receives transaction data, the cell-phone number in transaction data
Carry out checking treatment, it is therefore intended that judge whether the corresponding user of the transaction data is user in blacklist.If user is black
User in list, then flow terminate, forbid handling monthly payment plan；If user is not the user in blacklist, then it represents that school
Test by continuing to execute step S104.
Alternatively, this step S102 can judge the user according to the database in the cell-phone number and third-party platform
Whether it is black list user, if user is black list user, then it represents that transaction data checking treatment does not pass through；If user is not black
Name single user, then it represents that transaction data checking treatment passes through.
Step S104, the mobile terminal of the user corresponding to the transaction data passed through to verification sends monthly payment plan and invites letter
Breath.
, can be according to the cell-phone number in transaction data to user if transaction data verification passes through in the embodiment of the present invention
Terminal device send monthly payment plan invite information.In a kind of optional embodiment, information is invited in monthly payment plan to be
Short message, instant message applications message, such as wechat message, QQ message or bank application notification message, the present invention are implemented
Example invites the concrete form of information to monthly payment plan and application scenarios are not limited.
At the same time it can also preserve transaction data in third-party platform.
Alternatively, this step S104 can include：By query interface from the serial issue of V+ system queries and with
The corresponding rate of the issue；Calculate serial service charge；By serial issue and corresponding with the issue take
Rate and the service charge are sent to the mobile terminal.
Step S106, the return information that the user terminal invites information return according to the monthly payment plan is received.
In the embodiment of the present invention, received in mobile terminal after monthly payment plan invites information, user is on mobile terminals
The requirement in information is invited according to monthly payment plan to be replied, and return information is sent to third-party platform.Wherein, monthly payment plan is invited
About it can include but is not limited in information：Invite information serial number, credit number, user's name, exchange hour, transaction amount,
Beneficiary title, monthly payment plan issue and corresponding rate, serial service charge etc..It can include in return information but not
It is limited to：Monthly payment plan issue and corresponding rate mark etc..
Step S108, monthly payment plan processing is carried out according to the transaction data and the return information.
In the embodiment of the present invention, what third-party platform can be in the transaction amount and return information in transaction data divides
Phase payment issue and corresponding rate mark carry out monthly payment plan processing, and credit cards payment by instalments business is handled for user.
Alternatively, this step S108 can include：The transaction data is inquired about from database according to the transaction data
Corresponding maximum can the amount of money by stages；If the maximum can be more than the transaction amount in the transaction data by the amount of money by stages, and described
Transaction data belongs to that single cross of not entering an item of expenditure in the accounts is easy, and the monthly payment plan information in the return information carries out monthly payment plan processing.Its
In, inquiry maximum can by stages the amount of money when, can according to the cell-phone number in transaction data, Customs Assigned Number or credit card number China
Database of any one in third-party platform in inquired about.
Alternatively, before this step S108, the embodiment of the present invention can also include：Institute is judged according to the return information
State whether transaction data meets Requirements for Acceptance of paying by instalments.Specifically, can be according to the reply serial number in the return information
Judge whether the transaction data belongs to daylight trading；If belong to daylight trading, it is determined that the transaction data meets described point
Phase payment Requirements for Acceptance.
Step S110, monthly payment plan is handled successful notification message to send to the mobile terminal.
In the embodiment of the present invention, after carrying out monthly payment plan and handling successfully, send installment business to user and handle
Success notification.
Based on the introduction of the above-mentioned method to credit cards payment by instalments, send to user in a manner of by short message and pay by stages
Money illustrates exemplified by inviting, and the method for the credit cards payment by instalments of the embodiment of the present invention can perform stream including following three parts
Journey：
(1) short message flow is invited
With reference to Fig. 2, show according to embodiments of the present invention one a kind of credit cards payment by instalments method in invite it is short
Signal flow diagram.
User carries out bankcard consumption using credit card, generates transaction data, and card swiping terminal is by transmission of transaction data to V+ systems
System, V+ systems receive transaction data, and whether the transaction amount in checkout transaction data is greater than or equal to 500 yuan, if trade gold
Volume is greater than or equal to 500 yuan, then V+ systems are by transmission of transaction data to third-party platform.Third-party platform receives and parses through transaction
Data, judge whether user is black list user using the cell-phone number in transaction data, if user is not black list user, the
Tripartite's platform calls query interface to obtain serial issue and corresponding rate from V+ systems.Then checkout transaction data are
No is repeated data, can judge whether transaction data is repeated data according to the transaction journal number in transaction data.If hand over
Easy data are not repeated datas, then generate the monthly payment plan serial number of third-party platform and invite short message serial number.Having been calculated
After service charge of paying by instalments, transaction data and serial issue and correspondence are preserved in the database of third-party platform
Rate, the payment data by stages such as service charge, forward monthly payment plan to invite short message to user by SMS platform.
(2) uplink short message process flow
With reference to Fig. 3, show according to embodiments of the present invention one a kind of credit cards payment by instalments method in uplink it is short
Believe process chart.
User agrees to handle serial answer short message according to message reply is invited, through SMS platform forwarding answer short message
To third-party platform.Third-party platform judges whether answer short message meets regulation set in advance, for example, judging answer short message
Whether the length of content is correct.If answer short message meets regulation, number of deals is judged according to the reply serial number replied in short breath
According to whether being daylight trading, if not daylight trading, then forwarded by SMS platform and reply overtime short message to user；If the same day
Transaction, then whether there is the record of the transaction data in inquiry monthly payment plan record sheet, if there is no the record of the transaction data,
Then forwarded by SMS platform and reply wrong short message to user；If there are the record of the transaction data, the transaction data is inquired about
Monthly payment plan state, if monthly payment plan state has handled short message to user to have handled, by SMS platform forwarding；If point
Phase payment status then updates the data storehouse, is paid by instalments by SMS platform forwarding and successfully accept short message to user not handle.
(3) batch processing flow
With reference to Fig. 4, show according to embodiments of the present invention one a kind of credit cards payment by instalments method in batch processing
Flow chart.
The daily start by set date batch processing flow of third-party platform, can inquire about a few days ago pending transaction data, for
The pending transaction data of each, direct-connected V+ system queries maximum can the amount of money by stages, if maximum can the amount of money be by stages sky, more
New database, marks the monthly payment plan processing failure and failure cause of the transaction data, is failed by stages by SMS platform forwarding
Short message is to user；If maximum can the amount of money be not by stages sky, by maximum can the amount of money be compared with transaction amount by stages, if maximum
Transaction amount can be less than by the amount of money by stages, then update the data storehouse, monthly payment plan processing failure and the failure for marking the transaction data are former
Cause, fails short message to user by stages by SMS platform forwarding；If maximum can be greater than or equal to transaction amount by the amount of money by stages, into
Row monthly payment plan checking treatment, obtains the current state of user, whether the monthly payment plan state for judging the transaction data is to have done
Reason, if monthly payment plan state to have handled, inquires about the transaction data, whether to belong to single cross of not entering an item of expenditure in the accounts easy, does not go out bill if belonging to
Transaction, then traversal is not entered an item of expenditure in the accounts all, and single cross is easy, and judgement is identical with the authorization code of the transaction data, and transaction code is expressed as not by stages
Single cross of not entering an item of expenditure in the accounts whether be easily transaction of refunding, merchandise if refunding, then handle monthly payment plan for user, update the data storehouse, it is logical
Cross SMS platform forwarding pay by instalments successfully short message to user.
The method of the credit cards payment by instalments provided according to embodiments of the present invention, it is traded in user using credit card
Afterwards, transaction data caused by transaction is received；The transaction data for the transaction data after checking treatment to verification pass through
The mobile terminal of corresponding user sends monthly payment plan and invites information；User invites Information Office according to the monthly payment plan received
Monthly payment plan is managed, sends return information, receives the reply letter that the user terminal invites information return according to the monthly payment plan
Breath；Monthly payment plan processing is carried out according to the transaction data and the return information；Monthly payment plan is handled successfully notice to disappear
Breath is sent to the mobile terminal.
The embodiment of the present invention triggers credit cards payment by instalments for user automatically and invites, and user only needs to invite according to monthly payment plan
Requirement return information about in information, you can handle monthly payment plan automatically for user, avoiding user is inconvenient to answer or leaks
The problem of answering the call, optimizes the service experience of credit cards payment by instalments user.
Embodiment two
Reference Fig. 5, shows a kind of structure diagram of the system of according to embodiments of the present invention two credit cards payment by instalments.
The system of the credit cards payment by instalments of the present embodiment includes：Transaction data receiving module 50, letter is utilized for receiving
Caused transaction data of merchandising is carried out with card；Transaction data correction verification module 51, for being carried out to the transaction data at verification
Reason；Sending module 52 is invited, the mobile terminal for the user corresponding to the transaction data that passes through to verification sends monthly payment plan
Invite information；Return information receiving module 53, information return is invited for receiving the user terminal according to the monthly payment plan
Return information；Monthly payment plan module 54, for carrying out monthly payment plan processing according to the transaction data and the return information；
Notification message sending module 55, sends to the mobile terminal for monthly payment plan to be handled successful notification message.
Alternatively, the transaction data includes：Transaction journal number, credit card number, cell-phone number, Customs Assigned Number, trade gold
Volume, authorization code, trade date, exchange hour.
Alternatively, the monthly payment plan module is used for：The number of deals is inquired about from database according to the transaction data
Can the amount of money by stages according to corresponding maximum；If the maximum can be more than the transaction amount in the transaction data, and institute by the amount of money by stages
State transaction data and belong to that single cross of not entering an item of expenditure in the accounts is easy, the monthly payment plan information in the return information carries out monthly payment plan processing.
The system of the credit cards payment by instalments of the embodiment of the present invention is used for realization in above-described embodiment corresponding credit card point
The method of phase payment, and the beneficial effect with corresponding embodiment of the method, details are not described herein.
It may be noted that according to the needs of implementation, all parts/step described in the embodiment of the present invention can be split as more
The part operation of two or more components/steps or components/steps, can be also combined into new component/step by multi-part/step
Suddenly, to realize the purpose of the embodiment of the present invention.
It is above-mentioned to be realized according to the method for the embodiment of the present invention in hardware, firmware, or be implemented as being storable in note
Software or computer code in recording medium (such as CD ROM, RAM, floppy disk, hard disk or magneto-optic disk), or it is implemented through net
What network was downloaded is stored in long-range recording medium or nonvolatile machine readable media and will be stored in local recording medium
Computer code, thus method described here can be stored in using all-purpose computer, application specific processor or it is programmable or
Such software processing in the recording medium of specialized hardware (such as ASIC or FPGA).It is appreciated that computer, processor,
Microprocessor controller or programmable hardware include can storing or receive software or computer code storage assembly (for example,
RAM, ROM, flash memory etc.), when the software or computer code are by computer, processor or hardware access and when performing, realize
It is described herein method.In addition, when all-purpose computer access be used for realization the code for the method being shown in which when, code perform general
All-purpose computer is converted to the special purpose computer for performing the method being shown in which.
Those of ordinary skill in the art may realize that each exemplary list described with reference to the embodiments described herein
Member and method and step, can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, application-specific and design constraint depending on technical solution.Professional technician
Described function can be realized using distinct methods to each specific application, but this realization is it is not considered that exceed
The scope of the embodiment of the present invention.
Embodiment of above is merely to illustrate the embodiment of the present invention, and is not the limitation to the embodiment of the present invention, related skill
The those of ordinary skill in art field, in the case where not departing from the spirit and scope of the embodiment of the present invention, can also make various
Change and modification, therefore all equivalent technical solutions fall within the category of the embodiment of the present invention, the patent of the embodiment of the present invention
Protection domain should be defined by the claims.
Claims (10)
- A kind of 1. method of credit cards payment by instalments, it is characterised in that including：Receive and be traded caused transaction data using credit card；Checking treatment is carried out to the transaction data；The mobile terminal of the user corresponding to transaction data passed through to verification sends monthly payment plan and invites information；Receive the return information that the user terminal invites information return according to the monthly payment plan；Monthly payment plan processing is carried out according to the transaction data and the return information；Monthly payment plan is handled successful notification message to send to the mobile terminal.
- 2. according to the method described in claim 1, it is characterized in that, the transaction data includes：Transaction journal number, credit card card Number, cell-phone number, Customs Assigned Number, transaction amount, authorization code, trade date, exchange hour.
- 3. method according to claim 1 or 2, it is characterised in that described to be believed according to the transaction data with described reply Breath carries out monthly payment plan processing, including：The corresponding maximum of the transaction data is inquired about from database according to the transaction data can the amount of money by stages；If the maximum can be more than the transaction amount in the transaction data by the amount of money by stages, and the transaction data belongs to and does not enter an item of expenditure in the accounts Single cross is easy, and the monthly payment plan information in the return information carries out monthly payment plan processing.
- 4. according to the method described in claim 3, it is characterized in that, it is described to the transaction data carry out checking treatment, including：Judge whether the user is black list user according to the cell-phone number and the database.
- 5. according to the method described in claim 1, it is characterized in that, user corresponding to the transaction data passed through to verification Mobile terminal send monthly payment plan invite information, including：Serial issue and rate corresponding with the issue are inquired about from credit card core system by query interface；Calculate serial service charge；Serial issue and rate corresponding with the issue and the service charge are sent to the mobile terminal.
- 6. according to the method described in claim 1, it is characterized in that, described according to the transaction data and the return information Before carrying out monthly payment plan processing, the method further includes：Judge whether the transaction data meets Requirements for Acceptance of paying by instalments according to the return information.
- 7. according to the method described in claim 6, it is characterized in that, described judge the transaction data according to the return information Whether satisfaction monthly payment plan Requirements for Acceptance, including：Reply serial number in the return information judges whether the transaction data belongs to daylight trading；If belong to daylight trading, it is determined that the transaction data meets the monthly payment plan Requirements for Acceptance.
- A kind of 8. system of credit cards payment by instalments, it is characterised in that including：Transaction data receiving module, caused transaction data is traded for receiving using credit card；Transaction data correction verification module, for carrying out checking treatment to the transaction data；Sending module is invited, the mobile terminal for the user corresponding to the transaction data that passes through to verification sends monthly payment plan and invites About information；Return information receiving module, the reply letter of information return is invited for receiving the user terminal according to described pay by instalments Breath；Monthly payment plan module, for carrying out monthly payment plan processing according to the transaction data and the return information；Notification message sending module, sends to the mobile terminal for monthly payment plan to be handled successful notification message.
- 9. system according to claim 8, it is characterised in that the transaction data includes：Transaction journal number, credit card card Number, cell-phone number, Customs Assigned Number, transaction amount, authorization code, trade date, exchange hour.
- 10. system according to claim 8 or claim 9, it is characterised in that the monthly payment plan module is used for：The corresponding maximum of the transaction data is inquired about from database according to the transaction data can the amount of money by stages；If the maximum can be more than the transaction amount in the transaction data by the amount of money by stages, and the transaction data belongs to and does not enter an item of expenditure in the accounts Single cross is easy, and the monthly payment plan information in the return information carries out monthly payment plan processing.
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| CN201711248353.3A CN108009819A (en) | 2017-12-01 | 2017-12-01 | A kind of method and system of credit cards payment by instalments |
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| CN201711248353.3A CN108009819A (en) | 2017-12-01 | 2017-12-01 | A kind of method and system of credit cards payment by instalments |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109583855A (en) * | 2018-10-22 | 2019-04-05 | 中国平安人寿保险股份有限公司 | Payment funding method, apparatus, computer equipment and storage medium |
| CN111242604A (en) * | 2020-01-09 | 2020-06-05 | 支付宝(杭州)信息技术有限公司 | Data processing method and device |
| CN112035681A (en) * | 2020-09-17 | 2020-12-04 | 中国银行股份有限公司 | Credit card rate information determination method and device based on knowledge graph |
| US20220164868A1 (en) * | 2020-11-24 | 2022-05-26 | Fidelity Information Services, Llc | Real-time online transactional processing systems and methods |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109583855A (en) * | 2018-10-22 | 2019-04-05 | 中国平安人寿保险股份有限公司 | Payment funding method, apparatus, computer equipment and storage medium |
| CN111242604A (en) * | 2020-01-09 | 2020-06-05 | 支付宝(杭州)信息技术有限公司 | Data processing method and device |
| CN112035681A (en) * | 2020-09-17 | 2020-12-04 | 中国银行股份有限公司 | Credit card rate information determination method and device based on knowledge graph |
| CN112035681B (en) * | 2020-09-17 | 2023-10-24 | 中国银行股份有限公司 | Method and device for determining credit card rate information based on knowledge graph |
| US20220164868A1 (en) * | 2020-11-24 | 2022-05-26 | Fidelity Information Services, Llc | Real-time online transactional processing systems and methods |
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