TWM620587U - Instant credit card binding payment service equipment - Google Patents

Abstract

A real-time binding credit card payment service equipment includes a transmission module and a processing module. The transmission module receives a credit card application signal from a client electronic device, the credit card application signal indicating a corresponding to a sales-end server Consumption binding code, the processing module generates an application result for the client electronic device to receive according to the credit card application signal, when the processing module compares a credit card number indicated by the authorization request sent by the sales server When it is the credit card number corresponding to the client electronic device, and the sales code is the consumption binding code bound to the credit card number, an approval notification is sent to the sales end server through the transmission module, There is no need to perform card-issuing-related verification procedures for the credit card number.

Description

Instantly bind credit card payment service equipment

The new model relates to a consumer service device, in particular to an instant binding credit card payment service device.

With the development of financial technology, various digital consumption patterns combined with credit cards are becoming more and more diversified, so the number of bank customers applying for credit cards is also increasing.

The current application method is to wait for the bank to send the physical card with the credit card number after the bank customer submits the application, and after the card issuance process, the subsequent consumption can be carried out. However, it waits for the bank to accept the application, make, and distribute the credit card. Not only is it time-consuming, but it is also easy to miss the consumer discount activities launched by the store. Therefore, there is a need for improvement in the existing form of providing consumer services with credit cards.

Therefore, the purpose of the present invention is to provide an instant-binding credit card payment service device that can be used by consumers without prior credit card opening procedures.

Therefore, the instant binding credit card payment service equipment of the present invention includes a transmission module, a processing module, and a storage module.

The transmission module receives a credit card application signal from a client electronic device.

The processing module is electrically connected to the transmission module, and generates an application result according to the credit card application signal. The application result indicates a card number code corresponding to a credit card number.

The storage module is electrically connected to the processing module and stores a plurality of sales codes, and each sales code is associated with a plurality of consumption channel categories, and each consumption channel category corresponds to a sales end server.

The client electronic device receives the application result from the transmission module, and returns a binding application signal to the transmission module according to the application result, and the binding application signal indicates a sales code.

The processing module generates a binding result according to the binding application signal, and the content of the binding result records that the sales code indicated by the binding application signal and the card number code indicated by the application result have completed binding.

The transmission module receives an authorization request from a sales-end server, the content of the authorization request includes a consumption channel type corresponding to the sales-end server, and a consumption received by the sales-end server from the client electronic device Signal, the content of the consumption signal indicates a card number code and a consumption amount.

When the processing module compares according to the authorization request, the card number code indicated by the consumption signal is the same as the card number code of the application result, and the storage module compares that the consumption channel type is bound to the card number code For one of the consumption channel types associated with the sales code, an approval notification is sent to the sales end server through the transmission module, and the approval notification instructs to approve a credit card record corresponding to the consumption amount.

The effect of the present invention is that when the processing module compares the card number code indicated by the consumption signal and the card number code of the credit card number indicated by the application result, and the consumption channel type indicated by the authorization request is bound to the One of the consumer channel types associated with the sales code of the card number code of the client electronic device, that is, the transmission module sends the approval notification to the sales end server, without the need for the credit card number to perform the card-issuing-related verification process .

Referring to Figure 1, an embodiment of the new instant binding credit card payment service equipment is applicable to a client electronic device 1 and a sales-end server 2. This embodiment includes a transmission module 3 and a processing module 4 , And a storage module 5.

In this embodiment, the real-time binding credit card payment service equipment as a whole belongs to the issuing bank of the credit card, and the client electronic device 1 is operated by a bank customer holding a credit card number issued by the issuing bank, and the sales server 2 Corresponding to a consumption channel category, which is a merchant that provides credit card consumption to bank customers who hold a credit card issued by the issuing bank, such as a physical store or one of the online stores in an online consumer shopping mall, and the consumption channel category It defines the business service form of the sales-end server 2, such as aviation industry, service industry, entertainment industry, etc. In addition, the bank customer first uses the client electronic device 1 to execute a loan from the processing module 4 A digital consumption program provided by the transmission module 3 communicates with the transmission module 3 to perform online credit card application operations, and then the digital consumption program receives a related message sent by the transmission module 3 The card number code of the credit card number of the physical credit card, and a consumption request is sent to the sales-end server 2 when the card is swiped for consumption.

After the processing module 4 quickly verifies the card online, the bank customer can immediately bind the credit card number, or its code, security code, etc. to the e-wallet or shopping website. After the binding is completed, the physical card is received and the card is opened. Before the card procedure, the processing module 4 of the nuclear card only allows the credit card authorization transaction of the bound electronic wallet or shopping website. The details will be explained as follows.

The transmission module 3 receives a credit card application signal from the client electronic device 1, and the credit card application signal indicates an identity identification code.

The processing module 4 is electrically connected to the transmission module 3, and includes a card number generating unit 41, an execution unit 42 electrically connected to the card number generating unit, and a time flag electrically connecting the card number generating unit 41 and the execution unit 42 The processing module 4 generates an application result for the client electronic device 1 to receive according to the credit card application signal. The application result indicates a card number code corresponding to a credit card number, wherein the card number generation unit 41 Generate the credit card number and the card number code according to the credit card application signal, the execution unit 42 generates the application result and a binding result according to the data generated by the card number generation unit 41, and associates the card number code with the identity identification code , And compares an authorization request with the application result. The time flag generating unit 43 is used to record the time when the binding result is received by the client electronic device 1 and the time when the card opening procedure is executed. The specific results and card opening procedures will be detailed later. It should be noted that the credit card number corresponds to a physical credit card. The card number code can be, for example, the security check code of the physical credit card or the credit card number. The last three codes, in other words, in this embodiment, when a bank customer applies for a credit card online through the client electronic device 1, only the card number code corresponding to the credit card number will be received, but the complete credit card number will not be received .

The storage module 5 is electrically connected to the processing module 4, stores the application result, and stores multiple sales codes, and each sales code is associated with multiple consumption channel categories, and each consumption channel category corresponds to a sales end server.器2.

The client electronic device 1 receives the application result from the transmission module 3, and returns a binding application signal to the transmission module 3 according to the application result, and the binding application signal indicates a sales code.

The execution unit 42 of the processing module 4 generates a binding result according to the binding application signal, and the content of the binding result records the completion of the binding between the sales code indicated by the binding application signal and the card number code indicated by the application result. Certainly.

The transmission module 3 receives an authorization request from a sales-end server 2, and the content of the authorization request includes a consumer channel type corresponding to the sales-end server 2 and a consumer electronic system from the sales-end server 2 The consumption signal received by the device 1, and the content of the consumption signal indicates a card number code and a consumption amount.

When the execution unit 42 of the processing module 4 compares according to the authorization request, the card number code indicated by the consumption signal is the same as the card number code of the application result, and the consumption channel type is compared from the storage module 5 Is one of the consumption channel types associated with the sales code bound to the card number code, then an approval notice is sent to the sales end server 2 through the transmission module, the approval notice instructs to approve the amount corresponding to the consumption amount A card swiping record enables the bank customer to use the consumer electronic device 1 to execute the electronic wallet to receive the credit card number, without going through the credit card opening procedure to make card consumption.

The following is a supplementary explanation of the details of the card opening procedure. When the execution unit 42 generates the binding result, the time flag generating unit 43 also generates a corresponding time flag, which records a first time and a valid time. During the period, the first time is the time when the application result is received by the client electronic device 1, and the physical credit card has not been sent yet, that is, the physical credit card is sent out after the credit card number is provided online. When the execution unit 42 borrows Judging by the time flag that the client electronic device 1 has not completed a card opening procedure before a second time, the execution unit 42 marks the card number code and the corresponding credit card number as invalid, for example, the received physical card is within the validity period If the card is not completed within (60 days), the e-wallet or shopping website that binds the card number cannot continue to use the credit card for consumption. The second time is the time point after the first time has accumulated the valid period, and the card is opened The content of the program indicates that the card number code has passed the verification of the execution unit 42, and the definition of invalidation is that the credit card number corresponding to the consumption amount of the credit card cannot be approved.

When the transmission module 3 receives a card opening request sent by the client electronic device 1, the execution unit 42 executes the card opening procedure, and the card opening request indicates an ID code corresponding to the card number code of the credit card number When the execution unit 42 executes the card opening program, it is to determine whether the content of the card opening request instruction matches the card number code and the associated identification code sent to the client electronic device 1. If so, the execution unit 42 A card opening completion result is generated, and the card opening completion result indicates that the card opening procedure is completed.

In the above-mentioned embodiment, the processing module 4 binds the card opening number code with the sales code according to the binding application signal returned by the client electronic device 1, when the processing module 4 compares The card number code indicated by the consumption signal is the same as the card number code of the credit card number indicated by the application result, and the consumption channel type indicated by the authorization request is associated with the sales code bound to the card number code of the client electronic device. For a consumption channel type, the approval notification is sent to the sales-side server 2 to approve the consumption without the need to perform the verification procedures related to the opening of the credit card number. After the binding is completed, the system will be marked corresponding to the The time flag of the credit card number. Before the bank customer receives the physical card and completes the card opening procedure, the processing module 4 can flexibly set the open credit card authorization transaction channel in a parameterized manner according to the bound time flag For example, it can be set according to the e-wallet category, industry code (MCC: Merchant Category Code), store code (Merchant ID: Merchant Identification), or other determinable information for authorized transactions. In addition, the processing module 4 only allows banks The customer conducts a credit card authorization transaction with the sales-end server 2. If the card issuance authentication procedure is not within the valid period, the credit card number will be marked as invalid, so that the bank customer cannot perform the transaction with the bound sales-end server 3. Credit card consumption, so it can indeed achieve the purpose of new cost.

However, the above are only examples of the present model. When the scope of implementation of the present model cannot be limited by this, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

1: Client electronic device 2: Sales server 3: Transmission module 4: Processing module 41: Card number generation unit 42: Execution unit 43: Time flag generation unit 5: Storage module

The other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which: Figure 1 is a block diagram illustrating an embodiment of the new instant binding credit card payment service device; and Figure 2 is a block diagram illustrating a processing module of this embodiment.

1: Client electronic device

2: Sales server

3: Transmission module

4: Processing module

5: Storage module

Claims (6)

A real-time binding credit card payment service equipment, comprising: a transmission module that receives a credit card application signal from a client electronic device, the credit card application signal also indicates an identification code; a processing module electrically connected to the transmission module , The processing module generates an application result according to the credit card application signal, the application result indicates a card number code corresponding to a credit card number, and associates the card number code with the identification code; and a storage module, which is electrically connected The processing module stores a plurality of sales codes, and each sales code is associated with a variety of consumption channel categories, and each consumption channel category corresponds to a sales-end server, and the client electronic device receives from the transmission module The application result, and return a binding application signal to the transmission module according to the application result, the binding application signal indicates a sales code, the processing module generates a binding result according to the binding application signal, and the binding application signal The content of the specified result records that the sales code indicated by the binding application signal is bound to the card number code indicated by the application result. The transmission module receives an authorization request from a sales server, and the content of the authorization request includes the A consumption channel category corresponding to the sales-end server, and a consumption signal received by the sales-end server from the client electronic device. The content of the consumption signal indicates a card number code and a consumption amount. When the processing module is based on The authorization request compares the card number code indicated by the consumption signal with the card number code of the application result The storage module compares and finds that the consumption channel type is one of the consumption channel types associated with the sales code bound to the card number code, and then sends an approval notice to the sales end server through the transmission module, and the approval The notification indicates to approve a credit card record corresponding to the consumption amount. The instant binding credit card payment service device according to claim 1, wherein the processing module includes a card number generating unit that generates the credit card number and the corresponding card number code, and an electrical connection to the card number generating unit for generating the The execution unit that compares the application result with the binding result, and compares the authorization request with the application result. The instant binding credit card payment service device according to claim 2, wherein the processing module further includes a time flag generating unit electrically connected to the execution unit, and when the execution unit generates the binding result, the time flag The standard generating unit also generates a corresponding time flag. The time flag records a first time and a valid period. The first time is the time point when the application result is received by the client electronic device. When the execution unit Using the time flag to determine that the client electronic device has not completed a card opening procedure before a second time, the execution unit marks the card number code and the corresponding credit card number as invalid, and the second time is from the first time After accumulating the valid period, the content of the completion of the card opening procedure indicates that the credit card number corresponding to the card number code completes the card opening. The definition of invalidation is that the credit card number corresponding to the consumption amount of the credit card cannot be approved. According to claim 3, the instant binding credit card payment service device, wherein the processing module also stores the application result. The instant binding credit card payment service device as described in claim 4, wherein: When the transmission module receives a card opening request, the execution unit executes the card opening procedure, the card opening request indicates an ID code corresponding to the card number code of the credit card number, and when the execution unit executes the card opening procedure , Is to determine whether the content of the card opening request instruction matches the card number code and associated identification code sent to the client electronic device. If so, the execution unit generates a card opening completion result, and the card opening completion result indicates completion The card opening procedure. The real-time binding credit card payment service device according to claim 1, further comprising a digital consumption program executed by a client electronic device, and the digital consumption program is used to receive the binding result from the transmission module and send the The consumption request goes to the server of the sales end.

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