CN114881771A

CN114881771A - Expired credit card replacement method, expired credit card replacement device, expired credit card replacement apparatus, expired credit card replacement medium, and program product

Info

Publication number: CN114881771A
Application number: CN202210628343.7A
Authority: CN
Inventors: 林洁; 梁敏; 翁子君; 李志韬
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-06-02
Filing date: 2022-06-02
Publication date: 2022-08-09

Abstract

The present disclosure provides a method for replacing an expired credit card, which is applied to the field of financial technology, and comprises: obtaining user information screening authorization, and periodically screening users with expired entity credit cards; sending a first authorization acquisition request to a user to acquire a first credit card service deferred authorization of the user; obtaining an electronic credit card opening authorization of a user, and creating an electronic credit card for the user, wherein the electronic credit card is used for online payment; and acquiring the remanufacturing authorization of the entity card of the user, manufacturing a new entity credit card and issuing the new entity credit card to the user for the user to pay off-line. The present disclosure also provides an expired credit card replacement apparatus, device, storage medium, and program product.

Description

Expired credit card replacement method, expired credit card replacement device, expired credit card replacement apparatus, expired credit card replacement medium, and program product

Technical Field

The present disclosure relates to the field of financial technology, and more particularly, to a method, apparatus, device, medium, and program product for replacing an expired credit card.

Background

Currently, the validity period of the physical card of most commercial bank credit cards is specified based on the time of a CA key certificate provided by the international card organization. Depending on the requirements of the card organization, the credit card expiration date is about 5 to 10 years. According to the business process of card changing due in the existing commercial bank, the bank generally reminds the user of the card changing to be about by sending short messages, outgoing calls and other contact modes in advance of 1-2 months, and then a bank starts the work of manufacturing a new replaced card and sending the new replaced card before the expiration (for example, 1 month). According to the regulation in the business card service supervision and management method of commercial banks: the method is characterized in that the card holder is provided with a card starting function, and the card holder can start the card to be used after the card holder is activated for newly issued credit cards, lost and changed cards, damaged and changed cards, expired and changed cards and the like. If the user finishes starting the new card when the old card is not due, the bank can automatically stop using the old card to finish the card changing operation; if the user does not start the card after the validity period of the old card expires, the old card stops using due, the new card does not start yet, and the user can continue to use the card for payment after actively finishing card starting. The replacement of the credit card needs to be carried out through the processes of card making, mailing, card receiving and card starting, the process is long, if the original card of the user has services such as signing and binding the card by three parties, withholding for paying and the like, the payment service is interrupted due to the expiration of the card, the user experience is poor, and even the user is lost.

Since the first credit card is born in 1985, the credit card industry in China is rapidly developed, and the scale and the transaction amount of issuing the card by each bank are rapidly broken through. However, under the influence of Chinese economy acceleration gear shifting, mobile payment rising, Internet loan products such as 'flower' and 'white stripe' and the like, the development mode of the credit card industry is changed from 'race circle' to 'fine tillage and fine farming', continuous innovation is realized in multiple links such as customer acquisition, product, operation, wind control and the like, the overall development is relatively mature, and the stage of increment slowing and stock playing is entered. Therefore, how to provide stereoscopic and integrated financial products and services for high-quality users includes improving user experience in the process of exchanging credit cards of users in batches to achieve the purpose of recovering the users in stock, and is a problem that various commercial banks need to think at present.

Disclosure of Invention

In view of the foregoing, the present disclosure provides a method, apparatus, device, medium, and program product for expired credit card replacement that improves the credit card replacement experience.

According to a first aspect of the present disclosure, there is provided a due credit card replacement method including: obtaining information screening authorization of a user, and periodically screening users with expired entity credit cards; sending a first authorization acquisition request to a user to acquire a first credit card service deferred authorization of the user; and after the first credit card service deferral authorization is acquired, the method further comprises the following steps: obtaining the opening authorization of an electronic information card of a user, and creating an electronic credit card for the user, wherein the electronic credit card is used for online payment; and acquiring the remanufacturing authorization of the entity card of the user, manufacturing a new entity credit card and issuing the new entity credit card to the user for the user to pay under line.

According to an embodiment of the present disclosure, the periodically screening users for entity credit card expiration includes: screening users whose entity card expires within a preset time limit and has no bad record within the service life of the credit card.

According to an embodiment of the present disclosure, further comprising: if the user has bad records in the service life of the credit card, sending prompt information to the user to prompt the user to process the bad records; acquiring a bad record processing request of the user, and auditing the bad record before an entity credit card expires; and when the bad record passes the verification, obtaining a first credit card service postponing authorization of the user so as to provide a due credit card replacement service for the user.

According to an embodiment of the present disclosure, further comprising: acquiring confirmed card receiving information returned by a user, wherein the confirmed card receiving information is used for identifying that the user receives a new entity credit card; after the card receiving confirmation information is acquired, first activation request information is sent to a user to request authorization to activate a new entity credit card; and acquiring first confirmation activation information returned by the user, and activating the new entity credit card.

According to the embodiment of the disclosure, after the confirmation card-receiving information returned by the user is acquired, the method further includes: receiving electronic credit card authority information returned by a user, wherein the electronic credit card authority information represents whether the user selects to close the electronic credit card; if the user chooses to close the electronic credit card, the usage right of the electronic credit card is stopped.

According to an embodiment of the present disclosure, further comprising: if the user selects to close the electronic credit card, sending second activation request information to the user before the next expiration of the physical credit card, and prompting the user to activate the electronic credit card; and acquiring second activation confirmation information returned by the user to start the electronic credit card to provide credit card payment service for the user.

According to an embodiment of the present disclosure, the electronic credit card belongs to the same credit card account as the physical credit card, the electronic credit card having an expiration date that is independent of the physical credit card.

According to an embodiment of the present disclosure, further comprising: sending a second authorization acquisition request to the user before the electronic credit card expires; and acquiring a second credit card service delay authorization of the user, and prolonging the validity period of the electronic credit card.

A second aspect of the present disclosure provides a due credit card exchange device, including: the user screening module is used for obtaining information screening authorization of the user and regularly screening the user with the expired entity credit card; the authorization acquisition module is used for sending a first authorization acquisition request to the user and acquiring a first credit card service delay authorization of the user; the electronic card providing module is used for obtaining the opening authorization of an electronic information card of a user and creating an electronic credit card for the user, wherein the electronic credit card is used for online payment; and the entity card replacing module is used for acquiring the entity card reproduction authorization of the user, manufacturing a new entity credit card and issuing the new entity credit card to the user so as to provide the user for the offline payment.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the expired credit card replacement method described above.

The fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-described expired credit card replacement method.

The fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the above expired credit card replacement method.

According to the method for replacing the due credit card provided by the embodiment of the disclosure, the user does not need to personally replace the credit card, when the user does not reach to replace the credit card, the electronic card can be opened for the user under the condition of user authorization, the use of the user is guaranteed, a new entity card is made for the user, the effect that the card replacement and payment service are not interrupted even if the card is replaced offline is realized, the card use experience of the user is greatly improved, on the other hand, the problem that the user loss pain easily occurs in the due card replacement link of a commercial bank is well solved, and the market competitiveness of the commercial bank is improved.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a method, apparatus, device, medium and program product for expired credit card replacement according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of a method for replacing a credit card due according to a first embodiment of the disclosure;

FIG. 3 schematically illustrates a flow chart of a method of expired credit card replacement according to a second embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart of a method of expired credit card replacement according to a third embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow chart of a method of due credit card replacement according to a fourth embodiment of the disclosure;

fig. 6 is a block diagram schematically illustrating the structure of a expired credit card replacing apparatus according to an embodiment of the present disclosure; and

FIG. 7 schematically illustrates a block diagram of an electronic device adapted to implement a method for expired credit card replacement in accordance with an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

It should be noted that the expired credit card replacement method and apparatus provided by the present disclosure may be used in the financial field in the credit card replacement process, and may also be used in any field other than the financial field.

In the technical scheme of the disclosure, the collection, storage, use, processing, transmission, provision, disclosure, application and other processing of the personal information of the related user are all in accordance with the regulations of related laws and regulations, necessary confidentiality measures are taken, and the customs of the public order is not violated.

In the technical scheme of the disclosure, before the personal information of the user is acquired or collected, the authorization or the consent of the user is acquired.

The embodiment of the disclosure provides a method for replacing an expired credit card, a bank screens out high-quality users whose credit cards are about to expire through big data mining, inquires whether the users are willing to accept the service of the card 'long-term effective' through an intelligent AI outbound user, converts an entity card into an electronic card form to continuously provide the service for the users after the users approve, and simultaneously makes a new entity card for the users, the users can still pay by using the card in the electronic card form after the old entity card expires, after receiving the entity card, if the entity card is started, the subsequent banks provide the service for the users in the entity card form, and if the users do not start the entity card, the banks can always use the electronic card form to provide the service for the users. The method does not need the user to change the credit card in person, when the user is not in time to change the credit card, the electronic card can be opened for the user under the condition of user authorization, the use of the user is guaranteed, a new entity card is made for the user, the effect of 'even if the card is changed off line and the payment service is not interrupted' is realized, the card using experience of the user is greatly improved, on the other hand, the pain point problem of user loss easily occurring in the expiring card changing link of a commercial bank is better solved, and the market competitiveness of the commercial bank is improved.

Fig. 1 schematically shows an application scenario diagram of a method and a device for replacing a due credit card according to an embodiment of the present disclosure.

As shown in fig. 1, an application scenario 100 according to this embodiment may include a bank credit card expiration replacement flow. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have various communication client applications installed thereon, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The backend management server may analyze and process the received data such as the user request, and feed back a processing result (for example, a web page, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the expired credit card replacement method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the expired credit card replacing apparatus provided by the embodiments of the present disclosure may be generally provided in the server 105. The expired credit card replacement method provided by the embodiments of the present disclosure may also be performed by a server or a server cluster that is different from the server 105 and is capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the expired credit card replacing device provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal apparatuses

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The expired credit card replacement method of the disclosed embodiment will be described in detail through fig. 2 to 6 based on the scenario described in fig. 1.

Fig. 2 schematically shows a flowchart of a method for replacing a due credit card according to a first embodiment of the present disclosure.

As shown in fig. 2, the expired credit card replacement method of this embodiment includes operations S210 to S240, and the transaction processing method may be sequentially performed.

In operation S210, information screening authorization of the user is acquired, and the user whose physical credit card is expired is periodically screened.

In the disclosed embodiment, when regularly screening users with entity credit card expired, if the user information acquisition is involved, the user's consent or authorization can be obtained. For example, a request for obtaining user information may be issued to the user before operation S210. In case that the user information can be acquired with the user' S consent or authority, operation S210 is performed.

In operation S210, users whose entity cards expire within a preset period are screened, and the users have no bad record within the credit card lifetime. For example, the good-quality user who is about to expire in two months and the entity credit card can be screened out through big data mining, and preferably, the user who is not overdue and has normal card and account states is taken as the good-quality user, and the list is screened out.

According to the regulation of the bank and prison, when the customer service changes, the customer can handle the card only by the agreement of the customer, so the customer needs to communicate with the customer through intelligent outbound equipment, and the card can be handled for the long-term effective service for the customer after the confirmation.

In operation S220, a first authorization acquisition request is sent to the user to acquire a first credit card service deferral authorization of the user.

In the embodiment of the disclosure, after the user is screened out, the credit card information of the user, including the identity information of a trusted mobile phone and the like, can be sent to the bank intelligent outbound device for outbound contact. After the intelligent bank calling-out equipment receives the user list and the user information sent by the bank credit card expiration processing equipment, the intelligent bank calling-out equipment dials the mobile phone of the user one by one, after the mobile phone is switched on, the user information is verified, the fact that a receiver is the user of the credit card which is about to expire is confirmed, and the user is inquired whether the user is willing to accept the service of the card 'long-term validity'. Optionally, the manner of sending the first authorization acquisition request to the user may further include communication manners such as a short message, a mail, and a designated credit card software product.

After the first credit card service deferral authorization of the user is acquired, operations S230 to S240 are performed to defer the credit card service of the user.

In operation S230, an electronic information card activation authorization of a user is acquired, and an electronic credit card for online payment is created for the user.

In the embodiment of the disclosure, after obtaining the user authorization, the user authentication information and the user feedback information are recorded, the card changing work is processed one month before the expiration date of the credit card, the electronic credit card is generated and the user is informed, so that the user can use the electronic credit card to carry out online payment. Furthermore, the user can pay offline by using an electronic credit card through a mobile terminal such as a mobile phone.

It should be noted that if the user is not authorized, the user needs to replace the new physical credit card according to the normal credit card replacement process.

In operation S240, the entity card remanufacturing authorization of the user is obtained, and a new entity credit card is manufactured and issued to the user for the user to pay offline.

In this embodiment, while providing the electronic credit card for the user, the card making and mailing process of the physical credit card can be started to ensure the physical card payment experience of the user.

Alternatively, the electronic credit card and the physical credit may be associated cards of the same account under the name of the user, the card numbers are the same, but the media forms are different.

Alternatively, the electronic credit card and the physical credit may be associated cards of different accounts under the user name, with different card numbers and different media forms

When the user obtains a new physical credit card, the bank needs to authorize the activation of the new physical credit card based on the activation of the user. The user can normally use the physical credit card after the credit card is activated, which includes operations S241 to S243.

In operation S241, confirmation card receipt information returned by the user is acquired, and the confirmation card receipt information is used to identify that the user has received a new physical credit card.

In operation S242, after the card receipt confirmation information is acquired, first activation request information is sent to the user to request authorization to activate a new physical credit card.

In operation S243, first confirmation activation information returned by the user is acquired, and a new physical credit card is activated.

Specifically, after receiving the credit card in the form of an entity, the user can send card receiving confirmation information to a bank on line or in channels such as a counter and a self-service terminal; after receiving the card receiving confirmation information, the bank sends first activation request information to the user through the mobile terminal or the network so as to enable the card. After the card is started, the effective form of the credit card of the user is converted into a form in which the solid form and the digital form coexist, and the user can pay by using the card in the solid form and can also continue to pay online by using the card in the digital form.

According to the updating method of the expired credit card provided by the embodiment of the disclosure, before the new entity credit card is not started, the electronic credit card can be provided for the user to pay, even if the old entity credit card is expired, the payment can be continued without interruption, so that the situation that the use of the user is influenced due to the fact that the card is not replaced in time is avoided, and the payment experience of the user is improved; the method completes the preparation of new entity credit while providing the electronic credit card for the user so as to meet the requirement of the user on using the entity card.

Fig. 3 schematically shows a flowchart of a method for replacing a due credit card according to a second embodiment of the present disclosure.

As shown in fig. 3, the expired credit card replacement method provided by the embodiment of the present disclosure may further include operations S310 to S330 in addition to operations S210 to S240.

In operation S310, if the user has a bad record within the life span of the credit card, a prompt message is sent to the user to prompt the user to process the bad record.

In this embodiment, according to operation S210, in the process of the credit card system completing the screening of the expired credit card users, users with bad records, for example, users with overdue payment records, can be screened out from the system, and such users are notified to process their overdue records as soon as possible, for example, payment is cleared, and corresponding credit certificates are provided.

In operation S320, a bad record processing request of the user is obtained, and a bad record is checked before the expiration of the physical credit card.

In operation S330, after the audit of the bad record passes, a first credit card service deferral authorization of the user is acquired to provide the user with a due credit card replacement service.

If the user can process the bad records in time, the user is proved to have potential development value, therefore, the user is provided with the corresponding replacement service after the user passes the bad record audit, and the user viscosity is increased.

Such users can only change cards through normal credit card change procedures if the user cannot process the associated bad records.

Fig. 4 schematically shows a flowchart of a method of replacing a due credit card according to a third embodiment of the present disclosure.

As shown in fig. 4, in addition to operations S210 to S240 and operations S310 to S330, after the user acquires a new physical credit card and returns the receipt confirmation information to the credit card system, the expired credit card replacement method may further include operations S410 to S430.

In operation S410, electronic credit card authority information, which indicates whether the user selects to close the electronic credit card, returned by the user is received.

In operation S420, if the user selects to turn off the electronic credit card, a seller process is performed on the electronic credit card.

In operation S430, if the user does not select to turn off the electronic credit card, both the current electronic credit card and the new physical credit card can provide the user with credit card service.

According to the embodiment of the disclosure, after receiving the credit card in the solid form, the user can start the card online or in channels such as a counter and a self-service terminal, and after starting the card, the effective form of the credit card of the user is converted into the form in which the solid form and the digital form coexist, so that the user can pay by using the card in the solid form and can also continue to pay online by using the electronic card in the digital form.

Further, if the user does not wish to continue using the electronic credit card after receiving the physical credit card, the user can submit an application to the bank or the card issuer to stop the usage right of the electronic credit card account and use only the physical credit card.

According to the embodiment of the disclosure, if a user selects to close an electronic credit card, before the next expiration of a physical credit card, an activation request message is sent to the user, prompting the user to activate the electronic credit card, so as to start the electronic credit card to provide a credit card payment service for the user.

Alternatively, if the user does not wish to continue using the electronic credit card after receiving the physical form of the credit card, the user may voluntarily lift an application to the bank or issuer to suspend use of the electronic credit card account. Before the next expiration of the physical credit card, the user may lift an application to the bank or issuer to restart the electronic credit card account to ensure normal payment use until the expired physical credit card is not replaced.

In one embodiment of the present disclosure, the electronic credit card and the physical credit card may belong to the same credit card account, the electronic credit card having an expiration date that is separate from the physical credit card. Since the validity periods of the electronic credit card and the physical credit card are independent of each other, when one of them expires, the other can still be used normally, thereby extending the time limit for the user to use the credit card account.

Fig. 5 schematically shows a flowchart of a method of expired credit card replacement according to a fourth embodiment of the present disclosure.

As shown in fig. 5, an embodiment of the present disclosure further provides an electronic credit card deferral processing method, including operations S510 to S520.

In operation S510, before the electronic credit card expires, a second authorization acquisition request is sent to the user to acquire a second credit card service deferral authorization of the user.

In operation S520, a second credit card service deferral authorization of the user is acquired, and the validity period of the electronic credit card is extended.

According to an embodiment of the present disclosure, the electronic credit card has the same usage right as the physical credit card, and thus the usage period is also set. Unlike a physical credit card, an electronic credit card does not need to change the media form, and only needs to acquire the delay authorization of a user to prolong the validity period.

Based on the expired credit card replacing method, the disclosure also provides an expired credit card replacing device. The apparatus will be described in detail below with reference to fig. 6.

Fig. 6 schematically shows a block diagram of the expired credit card replacing apparatus according to an embodiment of the present disclosure.

As shown in fig. 6, the expired credit card replacement apparatus 600 of this embodiment includes a user filtering module 610, an authorization acquisition module 620, an electronic card providing module 630, and a physical card replacement module 640.

The user screening module 610 is used for obtaining information screening authorization of the user and periodically screening users with expired entity credit cards. In an embodiment, the user filtering module 610 may be configured to perform the operation S210 described above, which is not described herein again.

The authorization obtaining module 620 is configured to send a first authorization obtaining request to the user to obtain a first credit card service deferred authorization of the user. In an embodiment, the authorization obtaining module 620 may be configured to perform the operation S220 described above, and is not described herein again.

The electronic card providing module 630 is used for obtaining the opening authorization of the electronic information card of the user and creating an electronic credit card for the user, wherein the electronic credit card is used for online payment. In an embodiment, the electronic card providing module 630 may be configured to perform the operation S230 described above, which is not described herein again.

The entity card replacing module 640 is used for obtaining the entity card reproduction authorization of the user, making a new entity credit card and issuing the card to the user for the user to pay offline. In an embodiment, the entity card replacing module 640 may be configured to perform the operation S240 described above, which is not described herein again.

The user filtering module 610 may specifically filter users whose physical cards expire within a preset time limit, for example, users whose physical cards expire in only two months, and users have no bad records within the credit card lifetime.

In one embodiment of the present disclosure, the user screening module 610 may further include a bad user processing unit, a bad record auditing unit, and a bad user postponing unit. The bad user processing unit is used for sending prompt information to the user if the user has bad records in the service life of the credit card and prompting the user to process the bad records; the bad record auditing unit is used for auditing the bad record before the expiration of the entity credit card if a user initiates a processing flow of the bad record; and the bad user delay unit is used for acquiring a first credit card service delay authorization of the user after the examination of the bad record is passed so as to provide the expired credit card replacement service for the user.

In one embodiment of the present disclosure, the physical card replacing module 640 may further include an activating unit for authorizing activation of a new physical credit card based on activation of the user after the user acquires the new physical credit card.

In one embodiment of the present disclosure, the physical card replacing module 640 may further include an electronic credit card closing unit, configured to stop the usage right of the electronic credit card if the user selects to close the electronic credit card after the user acquires a new physical credit card. If the user does not choose to turn off the electronic credit card, both the electronic credit card and the new physical credit card can provide credit card services to the user.

The physical card replacing module 640 may further include an electronic credit card restarting unit for, if the user selects to turn off the electronic credit card, transmitting an activation request message to the user prompting the user to activate the electronic credit card to start the electronic credit card to provide a credit card payment service to the user, before the next expiration of the physical credit card.

In one embodiment of the present disclosure, the electronic credit card belongs to the same credit card account as the physical credit card, the electronic credit card having an expiration date that is independent of the physical credit card.

In one embodiment of the present disclosure, the expired credit card replacing apparatus 600 may further include an electronic credit card postponing module, configured to send a second authorization acquisition request to the user before the electronic credit card expires, and acquire a second credit card service postponing authorization of the user; after obtaining the user authorization, the validity period of the electronic credit card is extended.

According to the embodiment of the present disclosure, any plurality of the user screening module 610, the authorization acquiring module 620, the electronic card providing module 630 and the physical card replacing module 640 may be combined and implemented in one module, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the user screening module 610, the authorization acquisition module 620, the electronic card providing module 630, and the physical card replacement module 640 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware by any other reasonable manner of integrating or packaging a circuit, or implemented in any one of three implementations of software, hardware, and firmware, or in a suitable combination of any of them. Alternatively, at least one of the user screening module 610, the authorization acquisition module 620, the electronic card providing module 630 and the physical card replacement module 640 may be at least partially implemented as a computer program module that, when executed, may perform a corresponding function.

As shown in fig. 7, an electronic device 700 according to an embodiment of the present disclosure includes a processor 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. The processor 701 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 701 may also include on-board memory for caching purposes. The processor 701 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 703, various programs and data necessary for the operation of the electronic apparatus 700 are stored. The processor 701, the ROM 702, and the RAM 703 are connected to each other by a bus 704. The processor 701 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 702 and/or the RAM 703. It is noted that the programs may also be stored in one or more memories other than the ROM 702 and RAM 703. The processor 701 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 700 may also include input/output (I/O) interface 705, which input/output (I/O) interface 705 also connects to bus 704, according to an embodiment of the present disclosure. The electronic device 700 may also include one or more of the following components connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 707 including a network interface card such as a LAN card, a modem, or the like. The communication section 707 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 702 and/or the RAM 703 and/or one or more memories other than the ROM 702 and the RAM 703 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the item recommendation method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 701. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted in the form of a signal on a network medium, distributed, downloaded and installed via the communication section 709, and/or installed from the removable medium 711. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program, when executed by the processor 701, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A method of due credit card replacement comprising:

obtaining information screening authorization of a user, and periodically screening users with expired entity credit cards;

sending a first authorization acquisition request to a user to acquire a first credit card service deferred authorization of the user; and

after obtaining the first credit card service deferral authorization, the method further comprises:

obtaining the opening authorization of an electronic information card of a user, and creating an electronic credit card for the user, wherein the electronic credit card is used for online payment; and

and acquiring the remanufacturing authorization of the entity card of the user, manufacturing a new entity credit card and issuing the new entity credit card to the user for the user to pay under line.

2. The method of claim 1, the periodically screening users for entity credit card expiration comprising:

screening users whose entity card expires within a preset time limit and has no bad record within the service life of the credit card.

3. The method of claim 1, further comprising:

if the user has bad records in the service life of the credit card, sending prompt information to the user to prompt the user to process the bad records;

acquiring a bad record processing request of the user, and auditing the bad record before an entity credit card expires;

and when the bad record passes the verification, obtaining a first credit card service postponing authorization of the user so as to provide a due credit card replacement service for the user.

4. The method of claim 1, further comprising:

acquiring confirmed card receiving information returned by a user, wherein the confirmed card receiving information is used for identifying that the user receives a new entity credit card;

after the card receiving confirmation information is acquired, first activation request information is sent to a user to request authorization to activate a new entity credit card;

and acquiring first confirmation activation information returned by the user, and activating the new entity credit card.

5. The method according to claim 4, after obtaining the confirmation card-receiving information returned by the user, the method further comprising:

receiving electronic credit card authority information returned by a user, wherein the electronic credit card authority information represents whether the user selects to close the electronic credit card;

if the user chooses to close the electronic credit card, the usage right of the electronic credit card is stopped.

6. The method of claim 5, further comprising:

if the user selects to close the electronic credit card, sending second activation request information to the user before the next expiration of the physical credit card, and prompting the user to activate the electronic credit card;

and acquiring second activation confirmation information returned by the user, and activating the electronic credit card so as to start the electronic credit card to provide credit card payment service for the user.

7. The method of claim 1, the electronic credit card belonging to the same credit card account as the physical credit card, the electronic credit card having an expiration date separate from the physical credit card.

8. The method of claim 7, further comprising:

sending a second authorization acquisition request to the user before the electronic credit card expires;

and acquiring a second credit card service delay authorization of the user, and prolonging the validity period of the electronic credit card.

9. An expired credit card replacing device comprising:

the user screening module is used for obtaining information screening authorization of the user and regularly screening the user with the expired entity credit card;

the authorization acquisition module is used for sending a first authorization acquisition request to the user and acquiring a first credit card service delay authorization of the user;

the electronic card providing module is used for obtaining the opening authorization of an electronic information card of a user and creating an electronic credit card for the user, wherein the electronic credit card is used for online payment; and

and the entity card replacing module is used for acquiring the entity card reproduction authorization of the user, manufacturing a new entity credit card and issuing the new entity credit card to the user for the user to pay under the subscriber line.

10. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-8.

11. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 8.

12. A computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of claims 1 to 8.