TWI843605B - Buy Now Pay Later Credit Card System - Google Patents

Abstract

A buy now pay later credit card system includes an online banking server, a credit card server and a customer data server electrically connected to the online banking server. A computer device of a user establishes a connection with the online banking server through a link URL of a cooperative card application recommendation advertisement, so that after the online banking server verifies the identity and determines that the customer property information of the user meets an asset threshold, it provides a credit card application webpage, and then the online banking server transmits the user's identity information, multiple consumption and repayment settings selected by the computer device, and an identification code corresponding to the product to the credit card server. The credit card server approves a credit card corresponding to the user and sets the consumption and repayment settings of the credit card corresponding to the product.

Description

Buy Now Pay Later Credit Card System

The present invention relates to a credit card system, and more particularly to a buy now, pay later credit card system that provides a longer-term buy now, pay later service according to a set type.

Buy Now, Pay Later is a concept similar to consumers' short-term financial needs, which allows consumers to purchase products without immediate payment and pay off the payment in one lump sum or in installments during the subsequent contract period. This consumption model allows consumers without credit cards to enjoy installment payment financial services. However, since the personal credit reports of this type of consumers do not exist in the Union Credit System, the consumer's consumption ability, repayment ability, or debt status cannot be confirmed by the bank, and can only be controlled by various platforms that provide buy now, pay later services. Therefore, whether there are other systems to control the financial risks of consumers who buy now, pay later has become an issue to be resolved.

Therefore, an object of the present invention is to provide a buy now, pay later credit card system that provides a longer term buy now, pay later service according to the set type.

Therefore, the present invention provides a buy now pay later credit card system, which is applicable to a computer device and includes an online banking server, a customer data server, and a credit card server. The online banking server is used to provide a bank's online services. The customer data server is electrically connected to the online banking server and is used to store multiple customer property data corresponding to multiple customers of the bank. The credit card server is electrically connected to the online banking server and is used to process credit card services.

The computer device establishes a connection with the online banking server through a link URL of a cooperative card recommendation advertisement related to the bank and a product to transmit an identity data of a user to the online banking server. The online banking server transmits the identity data to the customer data server to obtain the customer property data of the customer matching the identity data.

When the online banking server determines that the customer's property information meets an asset threshold and the customer does not have any credit card of the bank, a credit card application webpage is provided to the computer device, so that the computer device selects and transmits multiple consumption and repayment settings to the online banking server. The online banking server transmits the identity information, the consumption and repayment settings, and an identification code corresponding to the product to the credit card server, so that the credit card server approves the credit card corresponding to the user, and sets the consumption and repayment settings of the credit card corresponding to the product according to the identification code and the consumption and repayment settings.

In some implementations, the client's asset data includes a total asset amount of the client in the bank, and the asset threshold is that the total asset amount is greater than a set amount.

In some other implementations, the client's property data includes a total asset amount of the client in the bank and a security value of the client in a securities company that is also a member of the bank's group. The asset threshold is that the sum of the total asset amount and the security value is greater than a set amount.

In some implementations, the online banking server can also pre-adjust the asset threshold based on the price of the product.

In other embodiments, the consumption and repayment settings include a limit and delayed payment period, a number of installments, and a prepayment amount.

In some implementations, the credit card server stores a commodity industry code (MCC), a summary, and a store code (MERCH) corresponding to the customer's credit card according to the identification code of the commodity. When the credit card server receives a card swipe transaction data from the customer's credit card and determines that the card swipe transaction data matches the commodity, the commodity industry code, the summary, and the store code, it authorizes a card swipe transaction approval corresponding to the card swipe transaction data.

The utility of the present invention is that when the online banking server verifies that the user is a customer of the bank and determines that the customer's property information meets the asset threshold, the credit card application webpage is provided to the computer device to obtain the consumption and repayment settings selected by the user, and the credit card server is notified to approve the credit card and set the consumption and repayment settings of the credit card corresponding to the commodity. In this way, not only can consumers who originally do not have a credit card realize the financial service of buy now and pay later according to the selected consumption and repayment settings, but the bank can also evaluate the user's consumption ability, repayment ability, or debt status according to the customer's property information, thereby reducing the financial risk of default.

Before the present invention is described in detail, it should be noted that similar components are represented by the same reference numerals in the following description.

Referring to FIG. 1 , an embodiment of the buy now pay later credit card system of the present invention is applicable to a computer device 4 of a user, and belongs to a bank, and includes an online banking server 1, a credit card server 2, and a customer data server 3. In this embodiment, the computer device 4 is a smart phone, and in other embodiments, the computer device 4 may also be a mainframe computer, a laptop, a tablet computer, or other computing devices with Internet connection function.

The customer data server 3 is electrically connected to the network banking server 1 and is used to store a plurality of customer property data corresponding to a plurality of customers of the bank. In this embodiment, the customer property data includes a corresponding total asset amount of the customer in the bank and a security value of the customer in a securities company belonging to the same group as the bank. In other embodiments, when the bank's group does not have the securities company, the customer property data may also include the corresponding total asset amount of the customer in the bank.

The credit card server 2 is electrically connected to the network banking server 1 and is used to process credit card services. The network banking server 1 is used to provide the network services of the bank. The customer data server 3, the credit card server 2, and the credit card server 2 are, for example, one or more computer servers, and include one or more central processing units, and a communication module (such as a network card or a wireless communication module) and a storage module (such as a memory and a hard disk) electrically connected to the central processing unit.

When the user browses a cooperative card recommendation advertisement about the bank and a product on the Internet through the computer device 4, for example, when certain tickets or products will announce the sale time in advance and put online advertisements on the Internet, the computer device 4 clicks on a link URL of the cooperative card recommendation advertisement through the operation of the user, so that the computer device 4 establishes a connection with the online bank server 1. At this time, the online bank server 1 provides content related to the buy now pay later credit card application to enjoy exclusive consumption delayed payment, and welcomes customers without credit cards to apply, so that the user can obtain relevant information.

When the user wants to apply for a credit card, the computer device 4 inputs and transmits the user's identity information on the web page of the link URL to the online banking server 1. The identity information is, for example, a name and an ID number. After receiving the identity information, the online banking server 1 transmits the identity information to the customer data server 3 to obtain the customer property information of the customer that matches the identity information. It is also worth mentioning that when the online banking server 1 cannot search for the customer that matches the identity information in the customer property information stored in the customer data server 3, the online banking server 1 transmits a message that the credit card for this service cannot be applied for to the computer device 4 to notify the user.

Next, the online banking server 1 determines whether the customer's (i.e., the user's) property information meets an asset threshold and whether the customer does not have any credit card of the bank. In this embodiment, the asset threshold is that the sum of the total assets and the value of the securities is greater than a set amount (e.g., 40,000 yuan). When the online banking server 1 determines that the customer's property information meets the asset threshold and the customer does not have any credit card of the bank, a credit card application webpage is provided to the computer device 4. In other embodiments, the online banking server 1 can also pre-adjust the asset threshold according to the price of the commodity. For example, the higher the price of the commodity, the higher the asset threshold. The corresponding relationship between the price of the commodity and the asset threshold is stored in advance.

The credit card application webpage includes, for example, the name and image of the credit card provided by the bank, an option of an international card issuing organization, another option of an electronic ticket, and multiple consumption and repayment settings, and an activity parameter setting corresponding to the product. The consumption and repayment settings include another option of a credit limit and a delayed payment time, another option of a number of installments, and another option of a prepaid amount. For example, the product is a smartphone from Company A and the price is NT$29,900. The cooperative card application recommendation advertisement indicates that the product must be purchased on Company A's official website. The activity parameter setting is a URL of the official website, the credit limit and the deferred payment period are NT$30,000 (indicating the credit limit) and a two-month deferred payment, the number of installments is 3, 6, or 12, and the prepayment amount is NT$1,000.

The user selects the consumption and repayment settings on the credit card application webpage through the computer device 4, and transmits the consumption and repayment settings to the online banking server 1. The online banking server transmits the identity information, the consumption and repayment settings, and an identification code corresponding to the product to the credit card server 2, so that the credit card server 2 approves a credit card corresponding to the user, and sets the consumption and repayment settings of the credit card corresponding to the product according to the identification code and the consumption and repayment settings. The credit card server 2 also stores a merchant category code (MCC, also known as a store category code, which is a four-digit code assigned by the financial industry) corresponding to the customer's credit card, a summary (i.e., a consumption summary), and a store code (MERCH, which is a special store code) according to the identification code of the product. In other words, the credit card server 2 pre-stores the relevant application parameters and settings of the credit card corresponding to the identification code (i.e., the product), so that the credit card approval and settings can be completed according to the received identification code and the consumption and repayment settings.

When the user receives the credit card and implements a card swipe transaction under the conditions set by the activity parameter corresponding to the product, such as the official website of Company A, the credit card server 2 receives a card swipe transaction data from the customer's credit card and determines whether the card swipe transaction data matches the product, the product industry code, the summary, and the store code. When the credit card server 2 determines that the card swipe transaction data matches the product, the product industry code, the summary, and the store code, a card swipe transaction approval corresponding to the card swipe transaction data is authorized.

In summary, the present invention provides the credit card application webpage to the computer device 4 to obtain the consumption and repayment settings selected by the user, and can notify the credit card server 2 to approve the credit card and set the consumption and repayment settings of the credit card corresponding to the product, when the online banking server 1 verifies that the user is a customer of the bank and determines that the customer's property information meets the asset threshold and the customer does not have any credit card of the bank. In this way, not only can consumers who originally do not have credit cards realize the financial service of buy now and pay later according to the consumption and repayment settings they choose, but the bank can also evaluate the user's consumption ability, repayment ability, or debt status based on the user's customer property information, thereby reducing the financial risk of default, so that the purpose of this invention can be achieved.

However, the above is only an embodiment of the present invention and should not be used to limit the scope of implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the present patent.

1: Internet banking server 2: Credit card server 3: Customer data server 4: Computer device

Other features and functions of the present invention will be clearly presented in the implementation method of the reference drawings, among which: Figure 1 is a block diagram illustrating an implementation example of the buy now pay later credit card system of the present invention.

1: Internet banking server

2: Credit card server

3: Customer data server

4:Computer equipment

Claims (6)

A buy now, pay later credit card system is applicable to a computer device and comprises: an online banking server for providing online services of a bank; a customer data server electrically connected to the online banking server and used to store multiple customer property data of the bank corresponding to multiple customers respectively; and a credit card server electrically connected to the online banking server and used to process credit card services; The computer device establishes a connection with the online banking server through a link URL of a cooperative card recommendation advertisement related to the bank and a product, so as to transmit an identity data of a user to the online banking server, and the online banking server transmits the identity data to the customer data server to obtain the customer property data of the customer matching the identity data. When the online banking server determines that the customer's property information meets an asset threshold and the customer does not have any credit card of the bank, a credit card application webpage is provided to the computer device, so that the computer device selects and transmits multiple consumption and repayment settings to the online banking server. The online banking server transmits the identity information, the consumption and repayment settings, and an identification code corresponding to the product to the credit card server, so that the credit card server approves the credit card corresponding to the user, and sets the consumption and repayment settings of the credit card corresponding to the product according to the identification code and the consumption and repayment settings. A buy now, pay later credit card system as described in claim 1, wherein the customer property data includes a total asset amount of the customer in the bank, and the asset threshold is that the total asset amount is greater than a set amount. A buy now, pay later credit card system as described in claim 1, wherein the customer property data includes a total asset amount of the customer in the bank and a security value of the customer in a securities company that is part of the same group as the bank, and the asset threshold is that the sum of the total asset amount and the security value is greater than a set amount. The buy now pay later credit card system as described in claim 2 or 3, wherein the online banking server can also pre-adjust the asset threshold according to the price of the product. A buy now, pay later credit card system as described in claim 1, wherein the consumption and repayment settings include a limit and delayed payment period, a number of installments, and a prepayment amount. A buy now, pay later credit card system as described in claim 5, wherein the credit card server stores a commodity industry code (MCC), a summary, and a store code (MERCH) corresponding to the customer's credit card based on the identification code of the commodity, and when the credit card server receives a card swipe transaction data from the customer's credit card and determines that the card swipe transaction data matches the commodity, the commodity industry code, the summary, and the store code, it authorizes a card swipe transaction approval corresponding to the card swipe transaction data.

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