CN110858361B

CN110858361B - Virtual credit card management system, method and device and electronic equipment

Info

Publication number: CN110858361B
Application number: CN201810967284.XA
Authority: CN
Inventors: 杨帆
Original assignee: Alibaba Group Holding Ltd
Current assignee: Alibaba Group Holding Ltd
Priority date: 2018-08-23
Filing date: 2018-08-23
Publication date: 2023-04-28
Anticipated expiration: 2038-08-23
Also published as: CN110858361A

Abstract

The application discloses a virtual credit card management system, a virtual credit card management method, a virtual credit card management device, an order processing method, an order processing device and electronic equipment. The system comprises a trading subsystem and a VCC management subsystem, wherein the VCC management subsystem is used for receiving a VCC creation request for an order to be processed sent by the trading subsystem, and selecting one VCC in an available state from the pre-created VCCs as an order-associated VCC; the credit line of VCC related to the order is updated according to the order amount of the order by calling the VCC modification service interface program provided by the credit card service system. By adopting the processing mode, VCCs which do not occupy a fund pool can be automatically created in real time, and when VCCs are associated for orders, the credit line of the associated VCCs is changed according to the amount of the orders; therefore, the fund pool occupancy rate can be effectively reduced, the VCC creation efficiency is improved, and the operation cost is reduced.

Description

Virtual credit card management system, method and device and electronic equipment

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a virtual credit card management system, method and apparatus, an order processing method and apparatus, and an electronic device.

Background

The virtual credit card (Virtual Credit Card, VCC), also called prepaid credit card, is a product that is offered for the case that users without international credit card or worry about the payment safety of credit card need shopping on foreign network, activating various online account numbers, recharging, etc. The virtual credit card can assist the user in loading funds from a bank account into a VCC account to enable secure online transactions.

A business scenario using virtual credit cards is that a general consumer of an e-commerce platform subscribes to an international hotel through the e-commerce platform, and since the subscription to the international hotel requires credit card vouching and a considerable number of general consumers do not have international credit cards, the e-commerce platform provides virtual credit card vouching services to such users, which services may be transparent to the users. In this business scenario, a typical virtual credit card creation and use method is handled as follows. Firstly, submitting VCC creation information to a banking system on a VCC application page of a bank by an operator of an e-commerce platform every day according to the average VCC order amount of the last period of time (such as the last 5 days) in a manual operation mode, and storing the VCC information into a database of the e-commerce platform after the creation is successful; then, when the user creates an order, the trading system automatically matches VCCs of corresponding monetary value from the database based on the actual monetary value of the order, and takes that VCCs as VCCs associated with the order. For example, on the day 2018.7.30, the system determines and displays, based on the order information for the VCC settlement during 7.25-7.29, the statistics of the VCC order amount during that period as: from these statistics, the operator creates the following VCCs from manual clicks, with 15 orders of $8000-10000, 48 orders of $800-1000, 286 orders of $300-500, etc.: 20 VCCs of $8000-10000, 50 VCCs of $1000, 300 VCCs of $500; when a customer subscribes to an international hotel with a total dollar 480 through the trading system, the system automatically selects VCCs of $1 to $500 as the VCCs associated with the order.

However, in the process of implementing the present invention, the inventors found that at least the following problems exist in this technical solution: 1) Since the trade situation of each day may change greatly in the earlier stage, if the number and amount of VCCs to be created are determined according to the average VCC order amount in the last period of time, the problem of inaccurate estimation of the number and amount of VCCs is likely to occur, and if the number of VCCs to be created is too large, more calculation resources are occupied because information such as the state of the VCCs is required to be maintained; if the number of VCCs created is too small or the credit line is insufficient, the transaction subsystem cannot work normally due to the fact that proper VCCs cannot be matched for the order, so that the stability of the transaction subsystem is affected; 2) Since VCC is created from the order amount, more credit (fund pool) will be taken up; 3) Creating the VCC manually results in higher labor costs and lower VCC creation efficiency. In summary, the prior art has the problems of more occupied computing resources, lower stability of the transaction subsystem, high fund pool occupancy rate, lower VCC creation efficiency and higher labor cost.

Disclosure of Invention

The application provides a virtual credit card management system to solve the problems of more occupied computing resources, lower stability of a transaction subsystem, high occupancy rate of a fund pool, lower VCC creation efficiency and higher labor cost in the prior art. The application additionally provides a virtual credit card management method and device, an order processing method and device and electronic equipment.

The application provides a virtual credit card management system, comprising:

a transaction subsystem for sending a VCC creation request for a pending order to a virtual credit card VCC management subsystem; receiving VCC information which is returned by the VCC management subsystem and is relevant to the order;

the VCC management subsystem is used for receiving the VCC creation request, and selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order; updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by a credit card service system; and returning the VCC information to the transaction subsystem.

Optionally, the VCCs include VCCs respectively corresponding to different transaction subsystems and associated with the same or different subscription banks;

the VCC management subsystem is specifically configured to obtain, from the VCCs, a plurality of VCCs associated with the transaction subsystem corresponding to the order; and selecting one VCC in an available state from a plurality of VCCs associated with the trading subsystem as the VCC associated with the order.

Optionally, the plurality of VCCs associated with the transaction subsystem includes VCCs corresponding to different currencies;

The VCC management subsystem is specifically configured to obtain, from a plurality of VCCs associated with the transaction subsystem, a plurality of VCCs corresponding to the currency of the order; and selecting one VCC in an available state from a plurality of VCCs corresponding to the currency as the VCC associated with the order.

Optionally, the VCC management subsystem is further configured to determine, if the currency of the order is null, the currency of the order according to a correspondence between a preset transaction subsystem and a default currency.

Optionally, the VCC management subsystem is specifically configured to update the credit line to an integer greater than the order amount.

Optionally, the VCC management subsystem is further configured to update status information and/or validity period of the VCC associated with the order by invoking the VCC modification service interface procedure.

Optionally, the VCC management subsystem is further configured to create the VCC according to a preset credit line by invoking a VCC creation service interface program provided by the credit card service system.

Optionally, the VCC management subsystem is specifically configured to create, for different combinations of the transaction subsystem and the subscription bank, a plurality of VCCs corresponding to the combination of the transaction subsystem and the subscription bank according to the preset credit line.

Optionally, the VCC management subsystem is further configured to obtain a usage rate of the VCC; if the utilization rate is smaller than the utilization rate threshold value, the VCC is established according to the preset credit line; wherein the usage rate refers to a ratio of a first number of VCCs in an available state to a second number of VCCs created in advance.

Optionally, the transaction subsystem is further configured to send a VCC status query request for the pending order to the VCC management subsystem; receiving VCC state information related to the order returned by the VCC management subsystem;

the VCC management subsystem is also used for receiving the VCC state query request, acquiring the state information by calling a VCC query service interface program provided by the credit card service system, and returning the state information to the transaction subsystem.

Optionally, the transaction subsystem is further configured to send an unsubscribe request for the pending order to the VCC management subsystem;

and the VCC management subsystem is also used for receiving the unsubscribing request, determining the penalty amount corresponding to the pending order according to unsubscribing penalty calculation rules, and updating the credit line of the VCC associated with the order according to the penalty amount by calling the VCC modification service interface program.

Optionally, the transaction subsystem is further configured to send a VCC withdrawal request for the pending order to the VCC management subsystem;

the VCC management subsystem is further configured to receive the VCC cancellation request, and cancel the VCC associated with the order by invoking a VCC cancellation service interface program provided by the credit card service system.

Optionally, the transaction subsystem includes an airline reservation subsystem and a hotel reservation subsystem.

The application also provides a virtual credit card management method, which comprises the following steps:

receiving a VCC creation request for an order to be processed, which is sent by a transaction subsystem;

selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order;

updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by a credit card service system;

and returning the information of the VCC associated with the order to the transaction subsystem.

the selecting a VCC in an available state from a plurality of VCCs as the order-associated VCC includes:

Acquiring a plurality of VCCs associated with a transaction subsystem corresponding to the order from the VCCs;

and selecting one VCC in an available state from a plurality of VCCs associated with the trading subsystem as the VCC associated with the order.

the selecting a VCC in an available state from a plurality of VCCs associated with the trading subsystem as the VCC associated with the order, including:

acquiring a plurality of VCCs corresponding to the currency of the order from the VCCs associated with the transaction subsystem;

and selecting one VCC in an available state from a plurality of VCCs corresponding to the currency as the VCC associated with the order.

Optionally, the method further comprises:

if the currency of the order is null, determining the currency of the order according to the corresponding relation between the preset transaction subsystem and the default currency.

Optionally, the updating the credit line of the VCC associated with the order according to the order amount of the order includes:

updating the credit line to an integer greater than the order amount.

Optionally, the method further comprises:

and updating the state information and/or the validity period of the VCC associated with the order by calling the VCC modification service interface program.

Optionally, the method further comprises:

and creating the VCC according to the preset credit line by calling a VCC creation service interface program provided by the credit card service system.

Optionally, the creating the VCC according to the preset credit line includes:

and establishing a plurality of VCCs corresponding to the combination of the transaction subsystem and the contracted bank according to the preset credit line aiming at different combinations of the transaction subsystem and the contracted bank.

Optionally, before the VCC is created according to the preset credit line, the method further includes:

acquiring the utilization rate of the VCC;

if the usage rate is smaller than the usage rate threshold, the step of creating the VCC according to the preset credit line is entered;

wherein the usage rate refers to a ratio of a first number of VCCs in an available state to a second number of VCCs created in advance.

The application also provides an order processing method, which comprises the following steps:

receiving an order creation request for a target commodity, which is input by a user client;

generating an order corresponding to the target commodity according to the order creation request;

sending a VCC creation request for the order to a VCC management subsystem;

and receiving VCC information which is returned by the VCC management subsystem and is relevant to the order.

The application also provides a virtual credit card management device, comprising:

a request receiving unit, configured to receive a VCC creation request for a pending order sent by a transaction subsystem;

the VCC association unit is used for selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order;

the credit line updating unit is used for updating the credit line of the VCC related to the order according to the order amount of the order by calling the VCC modification service interface program provided by the credit card service system;

and the VCC information returning unit is used for returning the information of the VCC associated with the order to the transaction subsystem.

The application also provides an order processing device, comprising:

the request receiving unit is used for receiving an order creation request for the target commodity, which is input by a user client;

the order generation unit is used for generating an order corresponding to the target commodity according to the order creation request;

a request sending unit, configured to send a VCC creation request for the order to a VCC management subsystem;

and the VCC information receiving unit is used for receiving VCC information which is returned by the VCC management subsystem and is relevant to the order.

The application also provides an electronic device comprising:

A processor; and

a memory for storing a program for implementing the virtual credit card management method, the apparatus being powered on and executing the program of the virtual credit card management method by the processor, and performing the steps of: receiving a VCC creation request for an order to be processed, which is sent by a transaction subsystem; selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order; updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by a credit card service system; and returning the information of the VCC associated with the order to the transaction subsystem.

The application also provides an electronic device comprising:

a processor; and

a memory for storing a program for implementing an order processing method, the apparatus being powered on and executing the program of the order processing method by the processor, and performing the steps of: receiving an order creation request for a target commodity, which is input by a user client; generating an order corresponding to the target commodity according to the order creation request; sending a VCC creation request for the order to a VCC management subsystem; and receiving VCC information which is returned by the VCC management subsystem and is relevant to the order.

The present application also provides a computer-readable storage medium having instructions stored therein that, when executed on a computer, cause the computer to perform the various methods described above.

The present application also provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the various methods described above.

Compared with the prior art, the application has the following advantages:

the virtual credit card management system comprises a transaction subsystem and a VCC management subsystem, wherein the VCC management subsystem is used for receiving a VCC creation request for an order to be processed sent by the transaction subsystem, and selecting one VCC in an available state from the pre-created VCCs as an order-associated VCC; updating the credit line of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by the credit card service system; the processing mode can automatically create the VCC which does not occupy the fund pool in real time, and when the VCC is associated with the order, the credit line of the associated VCC is changed according to the amount of the order, and meanwhile, the information such as VCC states and the like with more amount is not required to be maintained, so that the association of the order to the VCC can be ensured; therefore, the method can effectively save computing resources, improve the stability of a transaction subsystem, reduce the occupancy rate of a fund pool, improve the VCC creation efficiency and reduce the operation cost.

Drawings

FIG. 1 is a block diagram of an embodiment of a virtual credit card management system provided herein;

FIG. 2 is a schematic illustration of a scenario in which an embodiment of a virtual credit card management system is provided herein;

FIG. 3 is a specific block diagram of an embodiment of a virtual credit card management system provided herein;

FIG. 4 is a flow chart of an embodiment of a virtual credit card management method provided herein;

FIG. 5 is a schematic diagram of an embodiment of a virtual credit card management device provided herein;

FIG. 6 is a schematic diagram of an embodiment of an electronic device provided herein;

FIG. 7 is a flow chart of an embodiment of a virtual credit card management method provided herein;

FIG. 8 is a schematic diagram of an embodiment of a virtual credit card management device provided herein;

fig. 9 is a schematic diagram of an embodiment of an electronic device provided herein.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. This application is, however, susceptible of embodiment in many other ways than those herein described and similar generalizations can be made by those skilled in the art without departing from the spirit of the application and the application is therefore not limited to the specific embodiments disclosed below.

In the application, a virtual credit card management system, a virtual credit card management method and device, an order processing method and device and an electronic device are provided. The various schemes are described in detail one by one in the examples below.

First embodiment

Referring to fig. 1, a schematic diagram of an embodiment of a virtual credit card management system provided in the present application includes a transaction subsystem 10 and a virtual credit card VCC management subsystem 11.

As can be seen from fig. 2, the transaction subsystem 10 is configured to send a VCC creation request for a pending order to the VCC management subsystem 11; the VCC management subsystem 11 is configured to receive the VCC creation request, select, from a plurality of VCCs in a VCC card pool, a VCC in an available state as a VCC associated with the order, and return information of the VCC card to the transaction subsystem 10.

The transaction subsystem 10 may be a hotel reservation subsystem, or an air ticket reservation subsystem, such as a hotel reservation subsystem and an air ticket reservation subsystem related to an online travel platform website/APP, or a transaction subsystem of other services.

In one example, a user subscribes to a room of an international hotel through a hotel booking subsystem, and when the hotel booking subsystem generates a corresponding order for the user, a VCC creation request for the order is sent to the VCC management subsystem 11, and the cardholder of the real credit card corresponding to the VCC may be an e-commerce platform (e.g., an online travel platform), thereby enabling the e-commerce platform to vouch for the booking behavior of the user. In particular implementations, the process may be transparent to the user.

The VCC creation request at least comprises an order mark, for example, a user is an air ticket dealer, the user subscribes air tickets of an air company in batches through an air ticket booking subsystem, and the mark of the corresponding order is an application code; the user is a common consumer who subscribes to a room of an international hotel through the hotel booking subsystem, and the identification of the corresponding order is a booking number.

The VCC management subsystem 11 may serve multiple transaction subsystems 10 simultaneously, such as a hotel reservation subsystem and an airline reservation subsystem, among others. In this case, the VCC creation request may further include an identification of the trading subsystem, so that the VCC management subsystem associates, for the order, a VCC corresponding to the trading subsystem according to the identification of the trading subsystem.

The VCC management subsystem 11 selects one VCC from the VCC card pool as the VCC associated with the order, first creates a VCC, and stores the created VCCs in the VCC card pool.

As can be seen from fig. 3, in the system provided by the implementation of the present application, the VCC creation manner is not a conventional manner of manually submitting VCC creation information (which may include subscription banking, credit line, etc.) to the credit card service system on the VCC application page of the credit card issuing institution, but the VCC management subsystem 11 invokes the VCC creation service interface program provided by the credit card service system to the third party, and creates VCCs in batches according to the preset credit line.

In this embodiment, to invoke the VCC creation service interface procedure, the VCC management subsystem 11 needs to obtain the following information: a uniform resource locator (Uniform Resource Locator, URL) of a credit card service system (e.g., masterCard, visa), a real credit card number, a signed certificate, a client certificate, and the like.

The VCC management subsystem 11 may create a plurality of VCCs of the same credit line in bulk according to a preset credit line by calling the VCC creation service interface program.

The pre-set credit may not be determined based on the order amount, but rather a lower credit, such as $ 1. According to the method, the preset credit line is set to be lower, so that a fund pool of a bank is not occupied.

The VCC management subsystem 11 may store VCC information in a database of the VCC management subsystem 11 after successful batch creation of VCC according to a preset credit line. Table 1 shows the data contents of the VCC card pool of the present embodiment.

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TABLE 1 VCC card pool

The card status in table 1 includes, but is not limited to: in the application, the application is successful, the authorization, the refund, the destruction and the like, wherein when the card status is 'application successful', the card can be indicated to be in a usable state. As can be seen from table 1, this embodiment presets a credit line of 1 when a plurality of VCCs of the same credit line are created in batch.

As can be seen from fig. 3, the VCC management subsystem 11 is specifically configured to create, for different combinations of the transaction subsystem and the subscription bank, a plurality of VCCs corresponding to the combinations of the transaction subsystem and the subscription bank according to the preset credit line.

In one example, the VCCs in the card pool include VCCs associated with different contracted banks respectively corresponding to different transaction subsystems, e.g., the airline tickets shown in Table 1 contracted for a MasterCard (MasterCard) solution for the south ocean bank, the MasterCard solution for the Douglas fir for the International hotel contracted for, and furthermore, the domestic hotel can contract for the MasterCard solution for the south ocean bank.

In another example, the plurality of VCCs for the transaction subsystem 10 includes VCCs for different currencies.

The system provided by the implementation of the application can create VCCs corresponding to different transaction subsystems, VCCs corresponding to different transaction subsystems can correspond to different real credit card accounts (fund pools), real credit card accounts corresponding to different transaction subsystems can belong to different banks, and real credit card accounts corresponding to different transaction subsystems can also correspond to different combinations of banks and currencies. Table 2 shows a tenant configuration information table of the present embodiment.

Table 2, tenant configuration information table

As can be seen from table 2, the present application proposes the concept of a tenant, which may be a certain currency fund pool used by VCC for a certain bank, in other words, a combination may correspond to a real credit card account. For example, if the currency of the order of the hotel is dollar, selecting one VCC from the VCCs associated with tenant identity 1 as the VCC associated with the order; and if the currency of the order of the hotel by the user is harbor coin, selecting one VCC from the VCCs associated with the tenant identification 2 as the VCC associated with the order.

According to the system provided by the embodiment of the application, VCCs associated with different signing banks are respectively created for different transaction subsystems, a multi-tenant mechanism is established, each transaction subsystem is combined with the corresponding signing bank to form one tenant, the use of the VCCs by the different transaction subsystems can be met, and the transaction subsystems and the signing banks can be flexibly matched. Meanwhile, because different trading subsystems can create VCCs for orders through the VCC management subsystem 11, repeated development can be effectively reduced. And, because different transaction subsystems correspond to different contracted banks, namely different transaction subsystems correspond to fund pools of different banks, and each VCC can be provided with an allowable upstream transaction subsystem to prevent the access of different transaction subsystems, the transaction subsystem (service) can be isolated from the funds.

As can be seen from fig. 3, the present embodiment may create a batch of VCCs at an initial time, for example, automatically create VCCs in the card pool shown in table 1 according to the tenant configuration information shown in table 2; in the using process, the utilization rate of VCC in the card pool is detected periodically (for example, once every 5 minutes), if the utilization rate is smaller than the utilization rate threshold value, a VCC creation service interface program provided by the credit card service system is called in real time according to the utilization rate, and a preset number of VCCs are created according to a preset credit line.

The usage rate refers to the ratio of the number of VCCs in the available state to the total number of VCCs in the card pool. The usage threshold and the preset number may be set according to service requirements, for example, the usage threshold is set to 80%, the preset number is set to 10, and so on.

In the case that the VCCs correspond to different transaction subsystems and the different transaction subsystems sign up for different banks, the VCC management subsystem 11 selects one VCC from the card pool as the VCC associated with the order, which may be implemented in the following manner: acquiring a plurality of VCCs corresponding to the transaction subsystem corresponding to the order from a plurality of available VCCs in the card pool; and selecting one VCC from a plurality of VCCs corresponding to the trading subsystem as the VCC associated with the order.

For example, if the commodity associated with the order is a room of an international hotel, the transaction subsystem corresponding to the order is a hotel transaction subsystem, and if the contracted bank corresponding to the hotel transaction subsystem is a south ocean bank, the VCC corresponding to the hotel transaction subsystem and the south ocean bank in the card pool is taken as the VCC associated with the order.

In the case that VCCs correspond to different trading subsystems, and different trading subsystems sign up for different banks and correspond to different currencies, the VCC management subsystem 11 is specifically configured to obtain, from a plurality of VCCs corresponding to the trading subsystem 10, a plurality of VCCs corresponding to the currencies of the order; and selecting one VCC from a plurality of VCCs corresponding to the currency as the VCC associated with the order.

In the implementation, if the currency of the order is empty, the VCC management subsystem may determine the currency of the order according to a correspondence between a preset transaction subsystem and a default currency.

After the VCC management subsystem 11 associates the VCC with the order, the credit line of the VCC associated with the order is determined according to the order amount of the order, and the credit line of the VCC associated with the order is updated by calling the VCC modification service interface program provided by the credit card service system.

In one example, the VCC management subsystem 11 takes an integer greater than the order amount as the credit, e.g., 148.5 dollars for the order amount, and sets the credit to 150 dollars.

In one example, the VCC management subsystem 11 is further configured to update status information and/or expiration date of the VCC associated with the order by invoking the VCC modification service interface procedure. For example, the user subscribes to a room of an international hotel during 2018.10.15-2018.10.20, the initial expiration date of the VCC associated with the order is 2018.8.1-2018.12.31, and after the VCC is associated with the order, the expiration date of the VCC is changed to 2018.10.15-2018.10.20, and the status is changed from "apply for success" to "authorized".

In one example, after the VCC management subsystem 11 associates a VCC for the order, card information (e.g., card number, expiration date, etc.) for the VCC card is returned to the transaction subsystem 10; correspondingly, the transaction subsystem 10 is further configured to receive card information of VCC associated with the order sent back by the VCC management subsystem 11, and store the card information corresponding to the order.

In one example, the transaction subsystem 10 is further configured to send a VCC status query request for the pending order to the VCC management subsystem 11; and receiving VCC status information related to the order returned by the VCC management subsystem 11; correspondingly, the VCC management subsystem 11 is further configured to receive the VCC status query request, obtain the status information by calling a VCC query service interface program provided by the credit card service system, and send back the status information to the transaction subsystem 10. By adopting the processing mode, the transaction subsystem can acquire the state information of the VCC associated with the appointed order, and can carry out subsequent processing according to the state information; therefore, the user experience can be effectively improved.

In another example, the transaction subsystem 10 is further configured to send an unsubscribe request for the pending order to the VCC management subsystem 11; correspondingly, the VCC management subsystem 11 is further configured to receive the unsubscribe request, determine a penalty amount corresponding to the pending order according to an unsubscribe penalty calculation rule, and update, by invoking the VCC modification service interface program, a credit line of the VCC associated with the order according to the penalty amount, for example, change a 3-day amount to a 1-day amount. By adopting the processing mode, the situation that the hotel is wrongly operated and the hotel is subjected to money brushing is avoided; therefore, the benefits of the user can be effectively protected, and the user experience is improved.

In yet another example, the transaction subsystem 10 periodically detects a checked-out order and initiates a request to the VCC management subsystem 11 to revoke its corresponding VCC card for the order. The transaction subsystem 10 is further configured to send a VCC withdrawal request for the pending order to the VCC management subsystem 11; correspondingly, the VCC management subsystem 11 is further configured to receive the VCC revocation request, and revoke the VCC associated with the order by invoking a VCC revocation service interface program provided by the credit card service system. By adopting the processing mode, the use right of the VCC can be timely recovered; therefore, the user experience can be effectively improved.

As can be seen from the foregoing embodiments, the virtual credit card management system provided in the embodiments of the present application includes a transaction subsystem and a VCC management subsystem, where a VCC creation request for an order to be processed sent by the transaction subsystem is received through the VCC management subsystem, and one VCC in an available state is selected from VCC created in advance as a VCC associated with the order; determining the credit line of the VCC associated with the order according to the order amount of the order, and updating the credit line of the VCC associated with the order by calling a VCC modification service interface program provided by a credit card service system; the processing mode can automatically create the VCC which does not occupy the fund pool in real time, and when the VCC is associated with the order, the credit line of the associated VCC is changed according to the amount of the order, and meanwhile, the information such as VCC states and the like with more amount is not required to be maintained, so that the association of the order to the VCC can be ensured; therefore, the method can effectively save computing resources, improve the stability of a transaction subsystem, reduce the occupancy rate of a fund pool, improve the VCC creation efficiency and reduce the operation cost.

In the above embodiment, a virtual credit card management system is provided, and correspondingly, the application also provides a virtual credit card management method. The method corresponds to the embodiment of the system described above.

Second embodiment

Referring to fig. 4, a flowchart of an embodiment of a virtual credit card management method is provided, and an execution subject of the method includes a virtual credit card management device. The virtual credit card management method provided by the application comprises the following steps:

step S401: and receiving a VCC creation request for the pending order sent by the transaction subsystem.

Step S403: and selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order.

In one example, the method further comprises the steps of: and creating the VCC according to the preset credit line by calling a VCC creation service interface program provided by the credit card service system.

In one example, the VCC is created according to a preset credit line, which may be as follows: and establishing a plurality of VCCs corresponding to the combination of the transaction subsystem and the contracted bank according to the preset credit line aiming at different combinations of the transaction subsystem and the contracted bank.

In one example, before the VCC is created according to the preset credit line, the method further includes the steps of: 1) Acquiring the utilization rate of the VCC; wherein the usage rate refers to a ratio of a first number of VCCs in an available state to a second number of VCCs created in advance; 2) If the usage rate is smaller than the usage rate threshold, the step of creating the VCC according to the preset credit line is entered.

In one example, the plurality of VCCs includes VCCs respectively corresponding to different transaction subsystems and associated with the same or different subscription banks; step S403 may include the following sub-steps: 1) Acquiring a plurality of VCCs associated with a transaction subsystem corresponding to the order from the VCCs; 2) And selecting one VCC in an available state from a plurality of VCCs associated with the trading subsystem as the VCC associated with the order.

In one example, the plurality of VCCs associated with the trading subsystem includes VCCs corresponding to different currencies; the step of selecting a VCC in an available state from the plurality of VCCs associated with the trading subsystem as the VCC associated with the order may include the following sub-steps: 1) Acquiring a plurality of VCCs corresponding to the currency of the order from the VCCs associated with the transaction subsystem; 2) And selecting one VCC in an available state from a plurality of VCCs corresponding to the currency as the VCC associated with the order.

In another example, the method further comprises the steps of: if the currency of the order is null, determining the currency of the order according to the corresponding relation between the preset transaction subsystem and the default currency.

Step S405: and updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by the credit card service system.

In one example, the credit line is updated to an integer greater than the order amount.

In one example, the method further comprises the steps of: and updating the state information and/or the validity period of the VCC associated with the order by calling the VCC modification service interface program.

Step S407: and returning the information of the VCC associated with the order to the transaction subsystem.

As can be seen from the foregoing embodiments, in the virtual credit card management method provided in the embodiments of the present application, a VCC creation request for an order to be processed sent by a transaction subsystem is received through a VCC management subsystem, and a VCC in an available state is selected from VCC created in advance as a VCC associated with the order; determining the credit line of the VCC associated with the order according to the order amount of the order, and updating the credit line of the VCC associated with the order by calling a VCC modification service interface program provided by a credit card service system; the processing mode can automatically create the VCC which does not occupy the fund pool in real time, and when the VCC is associated with the order, the credit line of the associated VCC is changed according to the amount of the order, and meanwhile, the information such as VCC states and the like with more amount is not required to be maintained, so that the association of the order to the VCC can be ensured; therefore, the method can effectively save computing resources, improve the stability of a transaction subsystem, reduce the occupancy rate of a fund pool, improve the VCC creation efficiency and reduce the operation cost.

In the above-described embodiments, a virtual credit card management method is provided, and correspondingly, the present application also provides a virtual credit card management device. The device corresponds to the embodiment of the method described above.

Third embodiment

Please refer to fig. 5, which is a schematic diagram of an embodiment of the virtual credit card management device of the present application. Since the apparatus embodiments are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points. The device embodiments described below are merely illustrative.

The present application additionally provides a virtual credit card management device comprising:

a request receiving unit 501, configured to receive a VCC creation request for a pending order sent by a transaction subsystem;

a VCC association unit 502, configured to select, from a plurality of VCCs, a VCC in an available state as a VCC associated with the order;

a credit line updating unit 503, configured to update a credit line of the VCC associated with the order according to an order amount of the order by calling a VCC modification service interface program provided by the credit card service system;

and a VCC information returning unit 504, configured to return, to the transaction subsystem, information of the VCC associated with the order.

the VCC association unit 502 includes:

a first subunit, configured to obtain, from the VCCs, a plurality of VCCs associated with a trading subsystem corresponding to the order;

and the second subunit is used for selecting one VCC in an available state from the VCCs associated with the trading subsystem as the VCC associated with the order.

the second subunit includes:

a third subunit, configured to obtain, from a plurality of VCCs associated with the trading subsystem, a plurality of VCCs corresponding to a currency of the order;

and the fourth subunit is used for selecting one VCC in an available state from the VCCs corresponding to the currencies as the VCC associated with the order.

Optionally, the second subunit further includes:

and the currency determining subunit is used for determining the currency of the order according to the corresponding relation between the preset transaction subsystem and the default currency if the currency of the order is empty.

Optionally, the credit line updating unit 503 is specifically configured to update the credit line to an integer greater than the order amount by calling the VCC modification service interface program.

Optionally, the method further comprises:

and the state and valid period updating unit is used for updating the state information and/or valid period of the VCC associated with the order by calling the VCC modification service interface program.

Optionally, the method further comprises:

and the VCC creation unit is used for creating the VCC according to the preset credit line by calling a VCC creation service interface program provided by the credit card service system.

Optionally, the VCC creating unit is specifically configured to create, for different combinations of the transaction subsystem and the subscription bank, a plurality of VCCs corresponding to the combination of the transaction subsystem and the subscription bank according to the preset credit line.

Optionally, the method further comprises:

a VCC usage rate obtaining unit configured to obtain a usage rate of the VCC; if the utilization rate is smaller than the utilization rate threshold value, starting the VCC creating unit;

Fourth embodiment

Please refer to fig. 6, which is a schematic diagram of an embodiment of an electronic device of the present application. Since the apparatus embodiments are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points. The device embodiments described below are merely illustrative.

An electronic device of the present embodiment includes: a processor 601 and a memory 602; the memory is used for storing a program for realizing the virtual credit card management method, and after the device is electrified and runs the program of the virtual credit card management method through the processor, the following steps are executed: selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order; updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by a credit card service system; and returning the information of the VCC associated with the order to the transaction subsystem.

As can be seen from the above embodiments, in the electronic device provided in the embodiments of the present application, a VCC creation request for an order to be processed sent by a transaction subsystem is received through a VCC management subsystem, and a VCC in an available state is selected from VCC created in advance as a VCC associated with the order; determining the credit line of the VCC associated with the order according to the order amount of the order, and updating the credit line of the VCC associated with the order by calling a VCC modification service interface program provided by a credit card service system; the processing mode can automatically create the VCC which does not occupy the fund pool in real time, and when the VCC is associated with the order, the credit line of the associated VCC is changed according to the amount of the order, and meanwhile, the information such as VCC states and the like with more amount is not required to be maintained, so that the association of the order to the VCC can be ensured; therefore, the method can effectively save computing resources, improve the stability of a transaction subsystem, reduce the occupancy rate of a fund pool, improve the VCC creation efficiency and reduce the operation cost.

In the above embodiment, a virtual credit card management method is provided, and in correspondence with this, another virtual credit card management method is also provided. The method corresponds to the embodiment of the method described above.

Fifth embodiment

Referring to fig. 7, a flowchart of an embodiment of an order processing method provided in the present application is shown, and an execution subject of the method includes an order processing device. The order processing method provided by the application comprises the following steps:

step S701: and receiving an order creation request for the target commodity, which is input by a user client.

The order processing device is typically disposed on a server, but is not limited to a server, and may be any device capable of implementing the order processing method. The user client is usually deployed in a mobile communication device, a personal computer, a PAD, an iPad and other terminal devices.

After the user determines the target commodity to be ordered, an order creation request for the target commodity is sent to the order processing device through the user client. For example, the user determines an international hotel room to be reserved, or an air ticket to be reserved in bulk, and so forth.

Step S703: and generating an order corresponding to the target commodity according to the order creation request.

Step S705: a VCC create request for the order is sent to a VCC management subsystem.

According to the method provided by the embodiment of the application, after generating the order corresponding to the target commodity according to the order creation request, the order processing device sends a VCC creation request for the order to a VCC management subsystem.

The VCC creation request at least comprises an order mark, for example, a user subscribes air tickets of an airline company in batches for an air ticket distributor, and the mark of the corresponding order is an application code; the user is a common consumer who subscribes to a room of an international hotel, and the identification of the corresponding order is an order number.

The VCC creation request may also include an order amount such that the VCC management subsystem alters the credit of the associated VCC based on the order amount.

The VCC management subsystem may serve multiple transaction subsystems simultaneously, such as a hotel reservation subsystem and an airline reservation subsystem, among others. In this case, the VCC creation request may further include an identification of the trading subsystem, so that the VCC management subsystem associates, for the order, a VCC corresponding to the trading subsystem according to the identification of the trading subsystem.

Step S707: and receiving VCC information which is returned by the VCC management subsystem and is relevant to the order.

According to the method provided by the embodiment of the application, after receiving the VCC information which is returned by the VCC management subsystem and is associated with the order, the VCC information is stored corresponding to the order.

As can be seen from the above embodiments, in the order processing method provided in the embodiments of the present application, an order creation request for a target commodity is received, where the request is input by a user client; generating an order corresponding to the target commodity according to the order creation request; sending a VCC creation request for the order to a VCC management subsystem; receiving VCC information which is returned by the VCC management subsystem and is relevant to the order; the processing mode can automatically create the VCC which does not occupy the fund pool in real time, and when the VCC is associated with the order, the credit line of the associated VCC is changed according to the amount of the order, and meanwhile, the information such as VCC states and the like with more amount is not required to be maintained, so that the association of the order to the VCC can be ensured; therefore, the method can effectively save computing resources, improve the stability of a transaction subsystem, reduce the occupancy rate of a fund pool, improve the VCC creation efficiency and reduce the operation cost.

Sixth embodiment

Please refer to fig. 8, which is a schematic diagram of an embodiment of the virtual credit card management device of the present application. Since the apparatus embodiments are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points. The device embodiments described below are merely illustrative.

a request receiving unit 801, configured to receive an order creation request for a target commodity input by a user client;

an order generation unit 802, configured to generate an order corresponding to the target commodity according to the order creation request;

a request transmitting unit 803 for transmitting a VCC creation request for the order to a VCC management subsystem;

and the VCC information receiving unit 804 is configured to receive VCC information related to the order sent back by the VCC management subsystem.

Seventh embodiment

Please refer to fig. 9, which is a schematic diagram of an embodiment of an electronic device of the present application. Since the apparatus embodiments are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points. The device embodiments described below are merely illustrative.

An electronic device of the present embodiment includes: a processor 901 and a memory 902; the memory is used for storing a program for realizing the virtual credit card management method, and after the device is electrified and runs the program of the virtual credit card management method through the processor, the following steps are executed: receiving an order creation request for a target commodity, which is input by a user client; generating an order corresponding to the target commodity according to the order creation request; sending a VCC creation request for the order to a VCC management subsystem; and receiving VCC information which is returned by the VCC management subsystem and is relevant to the order.

As can be seen from the above embodiments, the electronic device provided in the embodiments of the present application receives an order creation request for a target commodity, which is input by a user client; generating an order corresponding to the target commodity according to the order creation request; sending a VCC creation request for the order to a VCC management subsystem; receiving VCC information which is returned by the VCC management subsystem and is relevant to the order; the processing mode can automatically create the VCC which does not occupy the fund pool in real time, and when the VCC is associated with the order, the credit line of the associated VCC is changed according to the amount of the order, and meanwhile, the information such as VCC states and the like with more amount is not required to be maintained, so that the association of the order to the VCC can be ensured; therefore, the method can effectively save computing resources, improve the stability of a transaction subsystem, reduce the occupancy rate of a fund pool, improve the VCC creation efficiency and reduce the operation cost.

While the preferred embodiment has been described, it is not intended to limit the invention thereto, and any person skilled in the art may make variations and modifications without departing from the spirit and scope of the present invention, so that the scope of the present invention shall be defined by the claims of the present application.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

1. Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer readable media, as defined herein, does not include non-transitory computer readable media (transmission media), such as modulated data signals and carrier waves.

2. It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

Claims

1. A virtual credit card management system, comprising:

the VCC management subsystem is used for acquiring the utilization rate of VCC, wherein the utilization rate refers to the ratio of the first quantity of VCCs in an available state to the second quantity of a plurality of VCCs which are created in advance; if the utilization rate is smaller than the utilization rate threshold, creating VCC according to a preset credit line by calling a VCC creation service interface program provided by a credit card service system; receiving the VCC creation request, and selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order; updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by a credit card service system; and returning the VCC information to the transaction subsystem.

2. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the VCCs comprise VCCs which respectively correspond to different transaction subsystems and are associated with the same or different subscription banks;

3. The system of claim 2, wherein the system further comprises a controller configured to control the controller,

the plurality of VCCs associated with the transaction subsystem includes VCCs corresponding to different currencies;

4. The system of claim 3, wherein the system further comprises a controller configured to control the controller,

the VCC management subsystem is further used for determining the currency of the order according to the corresponding relation between the preset transaction subsystem and the default currency if the currency of the order is empty.

5. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

The VCC management subsystem is specifically configured to update the credit line to an integer greater than the order amount.

6. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the VCC management subsystem is further used for updating the state information and/or the validity period of the VCC associated with the order by calling the VCC modification service interface program.

7. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the VCC management subsystem is specifically configured to create a plurality of VCCs corresponding to the combination of the transaction subsystem and the subscription bank according to the preset credit line for different combinations of the transaction subsystem and the subscription bank.

8. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the transaction subsystem is further configured to send a VCC status query request for the pending order to the VCC management subsystem; receiving VCC state information related to the order returned by the VCC management subsystem;

9. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the transaction subsystem is further used for sending an unsubscribing request for the pending order to the VCC management subsystem;

10. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the transaction subsystem is further configured to send a VCC revocation request for the pending order to the VCC management subsystem;

11. The system of claim 1, wherein the transaction subsystem comprises an airline reservation subsystem and a hotel reservation subsystem.

12. A virtual credit card management method, comprising:

obtaining the utilization rate of VCC, wherein the utilization rate refers to the ratio of a first quantity of VCCs in an available state to a second quantity of a plurality of VCCs which are created in advance;

If the utilization rate is smaller than the utilization rate threshold, creating the VCC according to a preset credit line by calling a VCC creation service interface program provided by a credit card service system;

13. The method of claim 12, wherein the step of determining the position of the probe is performed,

14. The method of claim 13, wherein the step of determining the position of the probe is performed,

15. The method as recited in claim 14, further comprising:

16. The method of claim 12, wherein the updating the credit of the order-associated VCC according to the order amount of the order comprises:

updating the credit line to an integer greater than the order amount.

17. The method as recited in claim 12, further comprising:

18. The method of claim 12, wherein the step of determining the position of the probe is performed,

the creating the VCC according to a preset credit line includes:

19. An order processing method, comprising:

sending a VCC creation request for the order to a VCC management subsystem;

receiving VCC information which is returned by the VCC management subsystem and is relevant to the order; the VCC information is determined in the following manner: obtaining the utilization rate of VCC, wherein the utilization rate refers to the ratio of a first quantity of VCCs in an available state to a second quantity of a plurality of VCCs which are created in advance; if the utilization rate is smaller than the utilization rate threshold, creating the VCC according to a preset credit line by calling a VCC creation service interface program provided by a credit card service system; selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order according to the VCC creation request; and updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by the credit card service system.

20. A virtual credit card management device, comprising:

a VCC usage rate obtaining unit for obtaining a usage rate of VCC, the usage rate being a ratio of a first number of VCCs in an available state to a second number of VCCs created in advance;

the VCC creation unit is used for creating the VCC according to a preset credit line by calling a VCC creation service interface program provided by the credit card service system if the utilization rate is smaller than the utilization rate threshold value;

21. An order processing apparatus, comprising:

the VCC information receiving unit is used for receiving VCC information which is returned by the VCC management subsystem and is relevant to the order; the VCC information is determined in the following manner: obtaining the utilization rate of VCC, wherein the utilization rate refers to the ratio of a first quantity of VCCs in an available state to a second quantity of a plurality of VCCs which are created in advance; if the utilization rate is smaller than the utilization rate threshold, creating the VCC according to a preset credit line by calling a VCC creation service interface program provided by a credit card service system; selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order according to the VCC creation request; and updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by the credit card service system.

22. An electronic device, comprising:

a processor; and

a memory for storing a program for implementing the virtual credit card management method, the apparatus being powered on and executing the program of the virtual credit card management method by the processor, and performing the steps of: obtaining the utilization rate of VCC, wherein the utilization rate refers to the ratio of a first quantity of VCCs in an available state to a second quantity of a plurality of VCCs which are created in advance; if the utilization rate is smaller than the utilization rate threshold, creating the VCC according to a preset credit line by calling a VCC creation service interface program provided by a credit card service system; receiving a VCC creation request for an order to be processed, which is sent by a transaction subsystem; selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order; updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by a credit card service system; and returning the information of the VCC associated with the order to the transaction subsystem.

23. An electronic device, comprising:

a processor; and

a memory for storing a program for implementing an order processing method, the apparatus being powered on and executing the program of the order processing method by the processor, and performing the steps of: receiving an order creation request for a target commodity, which is input by a user client; generating an order corresponding to the target commodity according to the order creation request; sending a VCC creation request for the order to a VCC management subsystem; receiving VCC information which is returned by the VCC management subsystem and is relevant to the order; the VCC information is determined in the following manner: obtaining the utilization rate of VCC, wherein the utilization rate refers to the ratio of a first quantity of VCCs in an available state to a second quantity of a plurality of VCCs which are created in advance; if the utilization rate is smaller than the utilization rate threshold, creating the VCC according to a preset credit line by calling a VCC creation service interface program provided by a credit card service system; selecting one VCC in an available state from a plurality of VCCs as the VCC associated with the order according to the VCC creation request; and updating the credit limit of the VCC associated with the order according to the order amount of the order by calling a VCC modification service interface program provided by the credit card service system.