CN116029809A

CN116029809A - Credit card popularization and handling method, device, terminal equipment and storage medium

Info

Publication number: CN116029809A
Application number: CN202211116467.3A
Authority: CN
Inventors: 司大千
Original assignee: Ping An Bank Co Ltd
Current assignee: Ping An Bank Co Ltd
Priority date: 2022-09-14
Filing date: 2022-09-14
Publication date: 2023-04-28

Abstract

The embodiment of the application discloses a credit card popularization and handling method, a device, a terminal device and a storage medium, wherein the method comprises the following steps: the client scans the two-dimensional code of the acquired offers displayed by the merchant through the terminal, enters a credit card handling small program set by the target bank, and the page of the credit card handling small program displays an operation mode for explaining the acquisition of the offers; based on the operation mode, the client pays attention to the credit card handling applet through the terminal and binds personal information; the credit card handling applet sends the ticket code to the terminal and judges whether the client handles the credit card of the target bank according to the personal information; if so, the ticket code can be fully used, and the customer can use the ticket code to pay the merchant for consumption; if not, tracking the credit card handling progress of the client until the client successfully handles the credit card of the target bank, and completely using the ticket code. Through the mode, the client is effectively attracted to transact the credit card, and the success rate of transacting the credit card is improved.

Description

Credit card popularization and handling method, device, terminal equipment and storage medium

Technical Field

The present invention relates to the field of data processing technologies, and in particular, to a credit card popularization and handling method, a device, a terminal device, and a storage medium.

Background

The credit card belongs to a debit card issued by a bank, a consumption mode of firstly consuming and then repayment can be realized through the credit card, and more people choose to use the credit card along with the change of a socioeconomic mode and the change of a consumption mode of people.

The credit card can be normally used after the stages of card selection, application initiation, information verification, card activation and the like, and generally, the application mode of the credit card is bank website application or bank application program application.

At present, in order to improve the business volume of the credit card handling business, a bank can arrange a salesman to attract customers to handle the credit card on site in a gift giving way, when the customers select to handle for gifts, the salesman guides the customers to download application programs of the bank, and then guides the users to conduct a series of application operations, after application submission, the salesman gives the customer gifts, so that a certain time is required to be consumed, and the customers have to follow the salesman in situ to conduct a series of application operations until the application submission, and most customers select to give up preferential without application in the application process, so that marketing breakpoints are generated.

Disclosure of Invention

The embodiment of the application provides a credit card popularization and handling method, a device, terminal equipment and a storage medium which attract customers and are easy to apply for operation, and the method, the device, the terminal equipment and the storage medium are used for improving the problem of marketing breakpoints generated in credit card popularization and handling.

In a first aspect, an embodiment of the present application provides a credit card promotion and transaction method, where the method includes:

the client scans a two-dimensional code for acquiring the preferential from the merchant through the terminal, and enters a credit card handling small program set by a target bank, wherein an operation mode for acquiring the preferential is displayed on a page of the credit card handling small program;

based on the operation mode, the client pays attention to the credit card handling small program through the terminal and binds personal information in the credit card handling small program;

the credit card handling applet sends a ticket code to the terminal and judges whether a client handles the credit card of the target bank according to the personal information;

if the client transacts the credit card of the target bank, the ticket code can be completely used, and the client can use the ticket code to pay the merchant for consumption;

if the client does not transact the credit card of the target bank, the credit card transacting progress of the client is tracked, and the ticket code can not be completely used until the client successfully transacts the credit card of the target bank.

In some embodiments, if the client does not transact the credit card of the target bank, tracking the credit card transacting progress of the client until the client successfully transacts the credit card of the target bank, the ticket code may not be fully used, including:

acquiring the consumption amount of a customer, and determining the rebate amount of the ticket code based on the consumption amount;

and tracking the credit card handling progress of the client, and when the client successfully handles the credit card of the target bank, returning to the client based on the return amount.

In some embodiments, the ticket code includes a first discount proportion and a second discount proportion, the discount coefficient of the second discount proportion is greater than the first discount proportion, the ticket code is not fully usable until the customer successfully transacts the credit card of the target bank if the customer does not transact the credit card of the target bank, and the ticket code includes:

acquiring a first consumption amount of the customer, wherein the ticket code can be partially used before the customer successfully transacts the credit card of the target bank, and the customer can pay the merchant for consumption based on the first discount proportion and the first consumption amount;

tracking the credit card handling progress of the client, and acquiring the second discount proportion and the second consumption amount paid by the client to the merchant when the client successfully handles the credit card of the target bank;

and calculating a rebate amount based on the second discount proportion, the first consumption amount and the second consumption amount, and performing rebate to the client through the rebate amount.

tracking the credit card handling progress of the client, and if the client does not successfully handle the credit card of the target bank within the effective time, invalidating the ticket code.

In some embodiments, the use of the ticket code includes a discount for consumption or a return for consumption, the ticket code may be fully used if the customer transacts a credit card of the target bank, and the customer may use the ticket code to pay for consumption to a merchant, including:

when the customer selects the using mode of the ticket code as the consumption rebate and performs consumption payment to the merchant, the consumption amount of the customer is obtained;

and determining the rebate proportion of the consumption amount, and rebating the customer based on the consumption amount and the rebate proportion.

In some embodiments, the ticket code may be fully used if the customer transacts a credit card for the target bank, and the customer may use the ticket code to make a consumer payment to a merchant, including:

acquiring an identifier corresponding to the target bank in the ticket code;

determining a credit card of the target bank from the customer-bound payment cards based on the identifier;

and carrying out consumption payment to a merchant based on the credit card of the target bank and the ticket code.

based on the personal information of the client, acquiring the consumption amount and the consumption type amount ratio of the client in the historical time;

and adjusting the value of the ticket code based on the consumption amount and the consumption type amount ratio.

In a second aspect, an embodiment of the present application provides a credit card promotion handling device, including:

the scanning unit is used for enabling the client to enter a credit card handling small program set by the target bank by scanning a two-dimensional code for acquiring the preferential displayed by the merchant through the terminal, and the page of the credit card handling small program is displayed with an operation mode for acquiring the preferential;

an operation unit for focusing on the credit card handling applet by the client through the terminal based on the operation mode, and binding personal information in the credit card handling applet;

the sending and judging unit is used for sending the ticket code to the terminal by the credit card handling small program and judging whether the client handles the credit card of the target bank according to the personal information;

In a third aspect, an embodiment of the present application further provides a terminal device, including a memory and a processor, where the memory is configured to store instructions and data, and the processor is configured to execute the credit card promotion handling method described above.

In a fourth aspect, embodiments of the present application also provide a storage medium having stored therein a plurality of instructions adapted to be loaded by a processor to perform the credit card promotional transaction method described above.

According to the credit card popularization and handling method, a customer can acquire the ticket code by paying attention to registration binding personal information, the ticket code can be completely used for carrying out consumption payment under the condition that the customer handles the credit card of a target bank, and partial ticket codes can be used or the ticket code cannot be used under the condition that the customer does not handle the credit card of the target bank, and after the customer is successful in supplementing the credit card, the customer is returned to benefit, so that the interest of effectively attracting the customer to handle the credit card is realized, the success rate of the customer to handle the credit card is improved, and the problem of marketing break points in the credit card popularization and handling is improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments will be briefly introduced below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

Fig. 1 is a flowchart of a credit card promotion and transaction method according to an embodiment of the present application.

Fig. 2 is a schematic structural diagram of a credit card promotion handling device according to an embodiment of the present application.

Fig. 3 is a schematic structural diagram of a terminal device according to an embodiment of the present application.

Detailed Description

The following description of the embodiments of the present application will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are only some, but not all, of the embodiments of the present application. All other embodiments, which can be made by those skilled in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.

The embodiment of the application provides a credit card popularization and handling method, a device, a terminal device and a storage medium, which can effectively attract customers to handle credit cards, promote interests of the customers to handle the credit cards and prompt success rate of the credit card handling, and improve the problem of marketing break points in the credit card popularization and handling, and the credit card popularization and handling method, the device, the terminal device and the storage medium are respectively described in detail.

Referring to fig. 1, fig. 1 is a flowchart of a credit card promotion and transaction method according to an embodiment of the present application, where the method includes the following contents:

101. the client scans the two-dimensional code of the obtained coupons displayed by the merchant through the terminal, and enters a credit card handling small program set by the target bank, wherein the operation mode for explaining the obtaining coupons is displayed on a page of the credit card handling small program.

The bank can cooperate with the merchant to promote the transaction of the credit card through the merchant, and give the merchant a certain promotion cost or give the merchant a certain rebate.

For example, a relevant promotion advertisement of a bank for a preferential activity of transacting a credit card may be set on an advertisement display terminal or an advertisement display board of a place having a consumption property such as a store, a pub, a hotel or a restaurant, and a two-dimensional code of a credit card transacting applet which can be set by a sweep code attention bank is set in these places, and at the same time, a certain promotion fee is given to a corresponding merchant. When the clients enter the places to consume, the clients can see the preferential activities displayed on the promotion advertisements, and when the clients want to participate in the preferential activities to obtain the preferential activities, the clients can scan the two-dimension codes to enter the credit card transacting applet.

For another example, a related promotion advertisement of a bank for handling a preferential activity of a credit card may be set on an advertisement display terminal or an advertisement display board of a place having a consumption property such as a store, a pub, a hotel or a restaurant, and two-dimensional codes of a credit card handling applet which can be set by the bank in which a sweep code is focused are set in the places, and an identification code for identifying related information of the store or related information of a merchant is set in each of the two-dimensional codes. When the clients enter the places to consume, the clients can see the preferential activities displayed on the promotion advertisements, when the clients want to participate in the preferential activities to obtain the preferential activities, the clients can scan the two-dimension codes to enter the credit card handling small program, and after the clients successfully handle the credit cards through the two-dimension codes of the credit card handling small program of the merchant, certain rebates are given to the corresponding merchant.

The credit card handling applet can be a micro-letter or payment treasured applet, a micro-letter public number and the like, and a client can scan the two-dimensional code through the micro-letter or payment treasured application program and the like so as to enter the credit card handling applet.

After the client enters the credit card handling small program by scanning the two-dimension code, the operation mode for explaining the acquisition of the preferential is displayed on the page of the credit card handling small program, so that the client can clearly know the operation steps required by the acquisition of the preferential, and the client can clearly determine whether to operate to acquire the preferential or not, thereby avoiding giving up the preferential caused by unclear operation mode of the client.

The operation mode may be in the form of page display text or video, which is not limited herein.

Optionally, in addition to displaying the operation mode for explaining to obtain the preferential effect on the page of the credit card applet, the operation mode for clearly obtaining the preferential effect can be displayed on the promotion advertisement at the same time, so that the client can clearly obtain the preferential effect through the content displayed on the promotion advertisement, and further, whether the operation is performed according to the operation mode to obtain the preferential effect is determined.

102. Based on the operation mode, the client pays attention to the credit card handling small program through the terminal, and binds personal information in the credit card handling small program.

The two-dimension code of the preferential is acquired as an entrance of a credit card handling small program, after a client scans the two-dimension code through a terminal, the client enters the credit card handling small program, and the credit card handling small program is focused and registered to bind personal information.

If the client pays attention to the credit card handling applet before, and the client registers on the credit card handling applet and binds personal information, the client only cancels attention, and the client does not bind any more and only needs to pay attention again; if the client pays attention to the credit card handling applet but does not register and bind the personal information, directly registering and binding the personal information; if the customer did not have previously focused on the credit card applet, the credit card applet is focused on and personal information is registered and bound.

The personal information may include an account number of an application program that scans a two-dimensional code for a benefit, a nickname, a phone number of a customer, and the like. For example, when the client obtains the preferential two-dimensional code through scanning of WeChat and enters a credit card handling small program set by a bank, personal information bound in the credit card handling small program by the client comprises a WeChat account number, a WeChat nickname, an associated mobile phone number and the like of the client.

103. And the credit card handling applet transmits a ticket code to the terminal and judges whether the client handles the credit card of the target bank according to the personal information.

In the embodiment of the application, the two-dimensional code which is obtained when the client scans the code to obtain the preferential is set, and the coupon code can be sent to the terminal of the client after entering the credit card handling small program, paying attention to the credit card handling small program and registering the binding personal information. For example, when the client obtains the benefit through WeChat scanning on the terminal and the two-dimensional code, after entering the credit card transaction applet and focusing on the credit card transaction applet, the bank end sends the ticket code to the WeChat of the client, or the page of the credit card transaction applet automatically displays the ticket code, and the client can get the result by clicking. When the customer makes a consumer payment to the merchant, the customer can make the payment in combination with the ticket code, thereby reducing the payment amount or obtaining the rebate amount afterwards.

After the client pays attention to registration and binding personal information, the credit card handling applet can inquire banking business of the client at a target bank according to the personal information of the client, so as to know whether the client handles the credit card of the target bank.

Or after the client pays attention to registration and binding personal information, the banking system can inquire banking business of the client at the target bank according to the personal information bound by the client in the credit card handling applet, so as to know whether the client handles the credit card of the target bank.

104. If the customer transacts the credit card of the target bank, the ticket code may be fully used and the customer may use the ticket code to make a consumer payment to the merchant.

The coupon code can only comprise one use mode, namely a fixed use mode, and the coupon code can also comprise a plurality of use modes for the flexible selection of clients.

The coupon code may be set to be used after the client transacts the credit card of the target bank, or may be set to be used after the client successfully transacts the credit card of the target bank, or may be set to be used after only paying attention to registration and binding personal information before the client transacts the credit card of the target bank, and all the coupons of the coupon code itself are obtained after the successful transacting of the credit card.

In the embodiment of the present application, the use mode, the use amount, the preferential item, or the like of the coupon code is not limited.

Optionally, in some embodiments, the usage mode of the ticket code includes a consumption discount or a consumption rebate, and when the customer selects the usage mode of the ticket code as the consumption rebate and makes a consumption payment to the merchant, the consumption amount of the customer is obtained, a rebate proportion of the consumption amount is determined, and the customer is rebated based on the consumption amount and the rebate proportion.

The consumption discount method is to discount the consumption amount based on the consumption amount, and pay the merchant for consumption with the discount consumption amount. The rebate amount in the manner of consuming rebate may be the same as fixed, or may be set according to the amount of consumption of the customer, and the rebate is performed to the customer within a preset time after the customer makes a payment for consumption to the merchant.

The coefficient relation between the consumption amount and the rebate proportion can be preset, after the customer selects the consumption payment mode using the consumption rebate, the cash amount which should be returned to the customer is calculated according to the relation between the consumption amount and the rebate proportion, so that after the customer makes the consumption payment to the merchant, cash is returned to the customer according to the calculated cash amount in a preset time.

When the use modes of the ticket code include a plurality of types, the customer who has transacted the credit card of the target bank can select the use mode of the ticket code according to the needs or preferences, and make the consumption payment to the merchant based on the selected use mode.

Optionally, in other embodiments, an identifier corresponding to the target bank in the ticket code is obtained, a credit card of the target bank is determined from the payment cards bound by the customer based on the identifier, and the consumer payment is made to the merchant based on the credit card of the target bank and the ticket code.

The card numbers of different banks are usually different in arrangement mode, and the credit card numbers and the deposit card numbers of the same bank are also different, so that the bank to which the card belongs can be judged as the credit card or the deposit card based on the arrangement mode of the card numbers, the character numbers of the card numbers and other information.

For example, the first six digits of the bank card numbers of each bank are the same, but the first six digits of the bank card numbers of different banks are different, corresponding to the first six digits of each bank card number representing the corresponding bank. The card number of the credit card is usually set to sixteen digits and the card number of the deposit card is usually set to nineteen digits.

When the client is judged to pay to the merchant through the coupon code, the credit card can be automatically called out to pay, or the client is recommended to pay through the credit card, or the preferential item with the coupon code can only enjoy the preferential item through the payment of the credit card of the target bank.

For example, if the customer wants to pay to the merchant in a WeChat payment manner, it is determined whether the credit card of the target bank is bound in the WeChat payment of the customer, and if the determination result is binding, the credit card is automatically called out to pay the WeChat payment, or the customer is prompted to pay the consumption payment by using the credit card.

105. If the client does not transact the credit card of the target bank, the credit card transacting progress of the client is tracked, and the ticket code can not be completely used until the client successfully transacts the credit card of the target bank.

When the client does not transact the credit card of the target bank, the client can be set to pay attention to the credit card transacting small program and register and bind personal information, and then can enjoy partial preferential of the ticket code, and after the client succeeds in complementing the credit card of the target bank, the client is returned with the rest of the corresponding rebate amount.

Or when the client does not transact the credit card of the target bank, the client can be set to pay attention to the credit card transacting applet and register and bind personal information, and still cannot enjoy all the preferential amount of the coupon code, and after the client succeeds in repairing the credit card of the target bank, the return benefit amount corresponding to all the preferential amount of the coupon code is returned to the client.

Optionally, in some embodiments, the amount of the customer consumed is obtained, the rebate amount for the ticket code is determined based on the amount of the customer consumed, the credit card transaction progress of the customer is tracked, and when the customer successfully transacts the credit card of the target bank, rebates are made to the customer based on the rebate amount.

Optionally, in some embodiments, the ticket code includes a first discount proportion and a second discount proportion, a discount coefficient of the second discount proportion is greater than the first discount proportion, a first consumption amount of the customer is obtained, the ticket code may be partially used before the customer successfully transacts the credit card of the target bank, the customer may make a consumption payment to the merchant based on the first discount proportion and the first consumption amount, a credit card transacting progress of the customer is tracked, when the customer successfully transacts the credit card of the target bank, a second discount proportion and a second consumption amount of the customer to the merchant are obtained, a rebate amount is calculated based on the second discount proportion, the first consumption amount and the second consumption amount, and the rebate is made to the customer by the rebate amount.

That is, for a customer who does not transact the credit card of the target bank, the first discount rate in the ticket code can be obtained after the credit card transacting procedure of the target bank is concerned, personal information is registered and bound, the customer can discount the consumption amount according to the first discount rate when paying the consumption to the merchant, and the customer is refunded with the amount which the second discount rate should discount to reduce after the subsequent credit card reimbursement of the customer is successful.

After the customer discounts the consumption amount through the first discount proportion and makes the consumption payment to the merchant, if the customer does not make up the credit card in the preset time later, the discounts the discountable amount of the first discount proportion from the account of the customer.

Optionally, in some embodiments, the credit card transaction progress of the customer is tracked, and if the customer does not successfully transact the credit card of the target bank within the effective time, the ticket code is disabled.

If the client is set to pay attention to the credit card handling procedure and register and bind personal information when the client does not handle the credit card of the target bank, all the benefits of the ticket code can not be enjoyed, the credit card handling progress of the client is tracked based on the time information of sending the ticket code after the ticket code is sent to the terminal of the client, and if the client does not handle the credit card successfully after the effective time is reached, the ticket code is invalid and can not be used.

If the client is set to pay attention to the credit card handling procedure and register and bind personal information, the client can enjoy partial preferential of the coupon code when paying to the merchant, and if the client is traced to not handle the credit card successfully after the effective time is reached, the remained preferential of the coupon code can not be used.

Further, in the process of tracking the progress of the client for the credit card, when the client does not successfully transact the credit card near the effective time, the client is correspondingly prompted, or the client is attracted to transact in a new preferential mode.

Optionally, in some embodiments, the amount of the customer and the amount of the type of the customer account for the historical time are obtained based on personal information of the customer, and the amount value of the ticket code is adjusted based on the amount of the customer and the amount of the type of the customer account.

For example, the customer obtains the preferential two-dimensional code through scanning a micro letter and scanning so as to enter a credit card handling small program, so that the consumption amount, the consumption type and the consumption type amount ratio of each consumption type in the consumption amount of the micro letter of the customer in the past year can be obtained and analyzed, and if the obtained consumption amount value in the past year is larger, the consumption amount of living expenditure in the consumption type is higher, the refundable amount of the coupon code can be increased, and the customer is attracted to handle the credit card.

For example, the client obtains the preferential two-dimensional code through scanning a WeChat and scans to enter a credit card handling small program, so that the consumption amount, the consumption type and the consumption type amount ratio of each consumption type in the consumption amount of the WeChat of the client in the past year can be obtained and analyzed, and if the consumption amount of the mother and infant supplies in the consumption type in the past year is obtained and is higher, the preferential type of the coupon code can be converted into the gift of the mother and infant supplies, thereby attracting the client to handle the credit card.

The credit card popularization and handling method comprises the steps that a client scans a two-dimensional code for acquiring offers displayed by a merchant through a terminal, enters a credit card handling small program set by a target bank, and an operation mode for acquiring the offers is displayed on a page of the credit card handling small program; based on the operation mode, the client pays attention to the credit card handling small program through the terminal and binds personal information in the credit card handling small program; the credit card handling applet sends the ticket code to the terminal and judges whether the client handles the credit card of the target bank according to the personal information; if the client transacts the credit card of the target bank, the ticket code can be completely used, and the client can use the ticket code to pay the merchant for consumption; if the client does not transact the credit card of the target bank, the credit card transacting progress of the client is tracked until the client successfully transacts the credit card of the target bank, and the ticket code can not be completely used. By the method, the interest of the client in transacting the credit card is attracted, the success rate of transacting the credit card by popularizing the client is improved, and the problem of marketing break points generated in the process of popularizing the credit card is solved.

Referring to fig. 2, fig. 2 is a schematic structural diagram of a credit card promotion and processing device provided in an embodiment of the present application, and the credit card promotion and processing device 200 includes the following units:

the scanning unit 201 is configured to enable a customer to enter a credit card handling applet set by a target bank by scanning a two-dimensional code for acquiring a coupon displayed by a merchant through a terminal, and an operation mode for acquiring the coupon is displayed on a page of the credit card handling applet.

An operation unit 202 for paying attention to the credit card applet through the terminal based on the operation mode, and binding personal information in the credit card applet.

A transmitting and judging unit 203 for transmitting the ticket code to the terminal by the credit card handling applet and judging whether the client handles the credit card of the target bank according to the personal information; if the client transacts the credit card of the target bank, the ticket code can be completely used, and the client can use the ticket code to pay the merchant for consumption; if the client does not transact the credit card of the target bank, the credit card transacting progress of the client is tracked until the client successfully transacts the credit card of the target bank, and the ticket code can not be completely used.

Optionally, in some embodiments, the sending and determining unit 203 may include the following subunits:

and the transmitting subunit is used for transmitting the ticket code to the terminal by the credit card handling applet.

And the judging subunit is used for judging whether the client transacts the credit card of the target bank according to the personal information.

The first processing subunit is configured to, if the customer transacts the credit card of the target bank, fully utilize the ticket code, and make a consumer payment to the merchant using the ticket code.

And the second processing subunit is used for tracking the credit card handling progress of the client if the client does not handle the credit card of the target bank until the client successfully handles the credit card of the target bank, and the ticket code can not be completely used.

Optionally, in addition to the above units and sub-units, the credit card promotion handling device 200 of the embodiment of the present application should further include other functional units and sub-units, which are not described herein again.

The credit card popularization and handling device 200 comprises a scanning unit 201, wherein the scanning unit is used for a client to scan a two-dimensional code for acquiring the preferential, which is displayed by a merchant through a terminal, to enter a credit card handling applet set by a target bank, and an operation mode for explaining the acquisition of the preferential is displayed on a page of the credit card handling applet; an operation unit 202 for paying attention to the credit card handling applet by the client through the terminal based on the operation mode, and binding personal information in the credit card handling applet; the sending and judging unit 203 is configured to send a ticket code to the terminal by the credit card handling applet, judge whether the client handles the credit card of the target bank according to the personal information, if the client handles the credit card of the target bank, the ticket code can be fully used, the client can use the ticket code to pay the merchant for consumption, and if the client does not handle the credit card of the target bank, track the credit card handling progress of the client until the client successfully handles the credit card of the target bank, the ticket code can be fully used. Through the device, the interest of the client to transacting the credit card is attracted, the success rate of popularizing and transacting the credit card for the client is improved, and the problem of marketing break points generated in the popularization and transacting of the credit card is improved and solved.

Referring to fig. 3, fig. 3 is a schematic structural diagram of a terminal device according to an embodiment of the present application, where the terminal device 300 includes a processor 301 with one or more processing cores, a memory 302 with one or more computer readable storage media, and a computer program stored in the memory 302 and capable of running on the processor 301. The processor 301 is electrically connected to the memory 302. It will be appreciated by those skilled in the art that the terminal device structure shown in the figures does not constitute a limitation of the terminal device, and may include more or less components than those illustrated, or may combine certain components, or may have a different arrangement of components.

The processor 301 is a control center of the terminal device 300, connects various parts of the entire terminal device 300 using various interfaces and lines, and performs various functions of the terminal device 300 and processes data by running or loading software programs and/or modules stored in the memory 302 and calling data stored in the memory 302, thereby performing overall monitoring of the terminal device 300.

In the embodiment of the present application, the processor 301 in the terminal device 300 loads the instructions corresponding to the processes of one or more application programs into the memory 302 according to the following steps, and the processor 301 executes the application programs stored in the memory 302, so as to implement various functions:

the client scans the two-dimensional code of the acquired offers displayed by the merchant through the terminal, enters a credit card handling small program set by the target bank, and the page of the credit card handling small program displays an operation mode for explaining the acquisition of the offers;

the credit card handling applet sends the ticket code to the terminal and judges whether the client handles the credit card of the target bank according to the personal information;

if the client does not transact the credit card of the target bank, the credit card transacting progress of the client is tracked until the client successfully transacts the credit card of the target bank, and the ticket code can not be completely used.

The specific implementation of each operation above may be referred to the previous embodiments, and will not be described herein.

Optionally, the terminal device 300 further includes a data transmission module 303, where the data transmission module 303 is electrically connected to the processor 301. The data transmission module 303 is configured to implement transmission of data, for example, input of personal information, transmission of a ticket code, and the like. It will be appreciated by those skilled in the art that the terminal device structure shown in fig. 3 is not limiting of the terminal device and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.

Although not shown in fig. 3, the terminal device 300 may further include a display screen, a camera, and other electronic structures, which will not be described herein.

In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to related descriptions of other embodiments.

As can be seen from the above, in the terminal device provided in this embodiment, the client scans the two-dimensional code of the acquisition offer displayed by the merchant through the terminal, and enters the credit card handling applet set by the target bank, and the operation mode for explaining the acquisition offer is displayed on the page of the credit card handling applet; based on the operation mode, the client pays attention to the credit card handling small program through the terminal and binds personal information in the credit card handling small program; the credit card handling applet sends the ticket code to the terminal and judges whether the client handles the credit card of the target bank according to the personal information; if the client transacts the credit card of the target bank, the ticket code can be completely used, and the client can use the ticket code to pay the merchant for consumption; if the client does not transact the credit card of the target bank, the credit card transacting progress of the client is tracked until the client successfully transacts the credit card of the target bank, and the ticket code can not be completely used.

Those of ordinary skill in the art will appreciate that all or a portion of the steps of the various methods of the above embodiments may be performed by instructions, or by instructions controlling associated hardware, which may be stored in a computer-readable storage medium and loaded and executed by a processor.

To this end, embodiments of the present application provide a computer readable storage medium having stored therein a plurality of computer programs that can be loaded by a processor to perform steps in any of the emotion recognition methods provided by embodiments of the present application. For example, the computer program may perform the steps of:

Wherein the storage medium may include: a Read Only Memory (ROM), a random access Memory (R client account M, R client account from client account access Memory), a magnetic disk or an optical disk, and the like.

The computer program stored in the storage medium can execute steps in any credit card promotion and transaction method provided by the embodiment of the present application, so that the beneficial effects of any credit card promotion and transaction method provided by the embodiment of the present application can be achieved, and detailed descriptions of the previous embodiments are omitted herein.

The foregoing describes in detail a credit card promotion handling method, apparatus, terminal device and storage medium provided in the embodiments of the present application, and specific examples are applied to illustrate the principles and embodiments of the present application, and the foregoing description of the embodiments is only for aiding in understanding the method and core concept of the present application, and meanwhile, to those skilled in the art, according to the concept of the present application, there are variations in the specific embodiments and application ranges, so that the content of the present application should not be construed as limiting the present application.

Claims

1. A method of credit card promotional transaction, the method comprising:

2. The credit card extension transaction method according to claim 1, wherein if the client does not transact the credit card of the target bank, the credit card transaction progress of the client is tracked until the client successfully transacts the credit card of the target bank, and the ticket code is not fully usable, comprising:

3. The credit card spread transaction method according to claim 1, wherein the ticket code includes a first discount rate and a second discount rate, the discount coefficient of the second discount rate being greater than the first discount rate, the ticket code being fully usable if the customer does not transact the credit card of the target bank, tracking the progress of the transaction of the customer until the customer successfully transacts the credit card of the target bank, comprising:

4. The credit card extension transaction method according to claim 1, wherein if the client does not transact the credit card of the target bank, the credit card transaction progress of the client is tracked until the client successfully transacts the credit card of the target bank, and the ticket code is not fully usable, comprising:

5. The credit card spread transaction method according to claim 1, wherein the use of the ticket code includes a discount for consumption or a return for consumption, the ticket code being fully usable if the customer transacts the credit card of the target bank, the customer making a payment for consumption to a merchant using the ticket code, comprising:

6. The credit card spread transaction method according to claim 1, wherein if the customer transacts the credit card of the target bank, the ticket code can be fully used, and the customer can use the ticket code to make a consumer payment to a merchant, comprising:

acquiring an identifier corresponding to the target bank in the ticket code;

7. The credit card extension transaction method according to claim 1, wherein if the client does not transact the credit card of the target bank, the credit card transaction progress of the client is tracked until the client successfully transacts the credit card of the target bank, and the ticket code is not fully usable, comprising:

8. A credit card promotional handling device, said device comprising:

9. A terminal device comprising a memory for storing instructions and data and a processor for performing the credit card promotion method of any one of claims 1-7.

10. A storage medium having stored therein a plurality of instructions adapted to be loaded by a processor to perform the credit card promotion method of any one of claims 1-7.