TWM645464U - Instant card reissue system - Google Patents

Abstract

An instant card replacement system includes a storage module, a transmission module and a processing module. The transmission module is controlled to establish a connection with the client electronic device. The processing module generates an application result including a credit card replacement number and an Internet link URL based on the loss report application, and transmits the Internet link URL to the client electronic device through the transmission module. When the client electronic device transmits the identity verification information to the processing module through the transmission module through the network link URL, the processing module compares the identity verification information with the customer information stored in the storage module. By using the processing module to generate a credit card reissue number and comparing the identity verification information with the customer information, the customer can use the credit card reissue number to make purchases without receiving a reissued credit card. Great convenience.

Description

Instant card replenishment system

The present invention relates to a card replenishment system, in particular to an instant card replenishment system that can instantly replenish cards to enable consumption.

The current credit card loss reporting and replacement process usually occurs after the customer's credit card is lost or the customer's credit card number is used fraudulently. After accepting the credit card reissue application from the customer, the bank will first create a physical credit card with a new card number, then mail the physical credit card to the customer, and wait for the customer to perform the activation of the physical credit card to complete the credit card loss report and reissue process. Customers must complete the credit card loss report and replacement process before they can use the physical credit card with the new card number for consumption. However, it usually takes several days to create and send a credit card, which is extremely inconvenient for customers as they are unable to use their credit cards to make purchases during the waiting period. In addition, when customers travel abroad and have no fixed residence, there will be a problem that customers cannot collect reissued credit cards.

Therefore, the purpose of the present invention is to provide an instant card replacement system that can solve the aforementioned problems.

Therefore, the new instant card replacement system is suitable for a client electronic device and includes a storage module, a transmission module and a processing module.

This storage module stores multiple pieces of customer information with different contents. Each customer information includes an identification code and a credit card number corresponding to the identification code.

The transmission module is controlled to establish a connection with the client electronic device.

The processing module is electrically connected to the storage module and the transmission module. The processing module generates an application result based on a loss report application indicating the credit card number, and stores the application result in the storage module. The application result includes a credit card replacement number corresponding to the identification code and an Internet link. The credit card replacement number is different from the credit card number. The processing module transmits the network link URL of the application result to the client electronic device through the transmission module.

When the client electronic device transmits identity verification information to the processing module through the transmission module through the network link URL, the processing module compares the identity verification information with the customer information.

When the processing module compares the identity verification information with one of the customer information, the processing module generates a partial card opening result and stores the partial card opening result in the storage module. The partial card opening result indicates that the credit card reissue number can be used for purchases made by the client electronic device.

In some implementations, the instant card replacement system is also applicable to a bank and at least one third-party channel. Each customer information stored in the storage module also includes an account code and a password code corresponding to the identification code. After the client electronic device receives the application result transmitted by the transmission module and the client electronic device executes a customer service application provided by the bank, the client electronic device will first use the customer service The application transmits the authentication information indicating the account code and the password code to the processing module via the transmission module. Then, the processing module compares the identity verification information with the customer information. When the processing module compares the identity verification information with one of the customer information and the processing module generates the partial card opening result, the processing module notifies the client electronic device that the credit card has been replenished. The issued number is bound to the customer service application, or the client electronic device is notified that the credit card reissue number has been bound to the payment program provided or used by the third-party channel, so that the client electronic device can use The customer service application or the payment application uses the credit card reissue number to make purchases.

In some implementations, the application result stored in the storage module also includes a pair of approval serial numbers of the credit card reissue number. The processing module also transmits the approval serial number of the application result and the network link URL to the client electronic device through the transmission module. When the client electronic device transmits the identity verification information and a confirmation code that is the same as the approval serial number to the processing module through the transmission module through the network link URL, the processing module transmits the identity verification information The customer information is compared, and the confirmation code is compared with the approval serial number stored in the storage module. When the processing module compares the identity verification information with one of the customer information, and the confirmation code matches the approval serial number, the processing module will generate the partial card opening result and open the partial card. Card results are stored in this storage module.

In some implementation forms, the instant card replacement system is also applicable to a bank. Each customer information stored in the storage module also includes a birthday information and a phone number corresponding to the identification code. When the client electronic device connects to a first web page provided by the bank through the Internet link address, the client electronic device will first indicate the identification code and the birthday information through the first web page. The identity verification information and the confirmation code are transmitted to the processing module through the transmission module. Then, the processing module compares the identity verification information with the customer information, and compares the confirmation code with the approval serial number stored in the storage module. When the processing module compares the identity verification information with one of the customer information, the confirmation code matches the approval serial number, and the identity verification information corresponds to one of the phone numbers, the processing module will Generate a one-time valid password, and transmit the one-time valid password to the client electronic device corresponding to the phone number through the transmission module. When the client electronic device returns the one-time valid password received from the transmission module to the processing module through the first web page, the processing module generates the partial card opening result.

In some implementations, after the processing module generates the partial card opening result, the processing module transmits the credit card reissue number to the client electronic device through the transmission module. Then, the client electronic device displays the credit card reissue number through the first web page.

In some implementations, after the processing module generates the partial card opening result, the processing module notifies the client electronic device of the partial card opening result. Then, the client electronic device selects to execute a customer service application provided by the bank through the first web page. When the client electronic device executes the customer service application, the client electronic device selects to bind the credit card reissue number to the customer service application through the customer service application, or through the customer service application Choose to bind the credit card reissue number to a payment program so that you can make purchases through the client electronic device.

In some implementations, the instant card replacement system is also applicable to at least one third-party channel. After the processing module generates the partial card opening result, the processing module will notify the client electronic device of the partial card opening result. Then, the client electronic device selects to execute the payment program provided or used by the third-party channel through the first web page, and binds the credit card reissue number with the payment program, so that the client electronic device can Use the credit card reissue number for consumption.

In some implementations, the real-time card replenishment system is also applicable to a sales-side server, and the storage module also stores channel information indicating the store and store category corresponding to the sales-side server, and the corresponding customer The payment type code for the service application or this payment application. The partial card opening result generated by the processing module indicates that the credit card reissue number is bound to the channel information and the payment type code.

In some implementations, the sales server can receive a payment signal from the client electronic device to generate a charge code. After the processing module generates the partial card opening result, the sales server is connected to the real-time card replacement system and transmits the charge code to the processing module through the transmission module. Then, the processing module The team compares the requisition code with the data stored in the storage module. When the processing module compares the requisition code with the channel information bound to the credit card reissue number, the processing module generates a payment approval result based on the requisition code and transmits it through the transmission module. The group sends the payment approval result to the sales server to complete the consumption.

The function of the present invention is to generate the credit card reissue number through the processing module, and compare the identity verification information sent by the client electronic device with the information stored in the storage module. When one of the customer information is matched, the processing module is allowed to generate the partial card opening result, which allows the customer to use the credit card reissue number to make purchases without receiving the reissued credit card, which is very convenient.

Referring to FIG. 1 , an embodiment of the new instant card replacement system 100 is shown. The real-time card replacement system 100 is suitable for a client electronic device 200, a sales server 300, a bank and multiple different third-party channels. The client electronic device 200 is, for example, a smart phone, a smart watch or a computer, but is not limited thereto. The sales server 300 is, for example, a credit card machine and a corresponding server host in a physical store, or a transaction platform that provides an online payment system, but is not limited to this. The sales server 300 allows the client electronic device 200 to establish a connection. The bank can provide a customer service application (APP) for use by a customer. This customer service app works as an e-wallet. These different third-party channels can be physical stores (such as department stores, supermarkets), transaction platforms (such as shopping websites) or other banks different from the bank, and can provide or use different payment programs (electronic wallet). These different payment programs are, for example, electronic wallets such as Apple Pay, Google Pay, Samsung Pay, etc. that use NFC (Near Field Communication) transactions, or co-branded electronic wallets of co-branded stores, but are not limited to this.

Continuing to refer to FIG. 1 , the real-time card replacement system 100 belongs to the bank and can establish a connection with the client electronic device 200 and the sales server 300 . In addition, the instant card replacement system 100 can accept the customer's credit card loss report and replacement business. The real-time card replacement system 100 is, for example, a server host and includes a storage module 1 , a processing module 2 and a transmission module 3 . The storage module 1 is, for example, but not limited to a hard disk, and stores a plurality of pieces of customer information with different contents, an indication of the store (for example, store code) and store category (for example, store code) corresponding to the sales server 300 : airlines, gas stations or e-commerce) and other information channel information, and multiple payment type codes. The payment type codes respectively correspond to the different payment programs and the customer service application. Each customer information includes an identification code, a credit card number corresponding to the identification code, an account code, a password code, a birthday information and a phone number. The ID card identification code is, for example, an ID font size. The credit card number may be a card number corresponding to a co-branded card of a co-branded store, or may be a card number of a non-co-branded card that can be used at any sales channel. The account code and the password code may be codes entered and set by the customer when performing customer registration services through the customer service application provided by the bank.

The transmission module 3 is, for example, a network card or a wireless network device, but is not limited thereto, and is electrically connected to the processing module 2 . The transmission module 3 is controlled by the processing module 2 and is used to establish a connection with the client electronic device 200 or the sales server 300 .

The processing module 2 is, for example but not limited to, a central processing unit, and is electrically connected to the storage module 1 . The processing module 2 generates an application result according to a loss reporting application indicating the credit card number, stores the application result in the storage module 1, and transmits the application result to the client electronic device through the transmission module 3 200. The loss report application can be made by the bank's customer service staff, after receiving the call message from the customer reporting the loss of the credit card, manually inputting the customer's identification code and the credit card number that needs to be reported as lost and canceled and other information into the real-time Card replacement system 100, but is not limited to this, the loss report application can also be made by the customer through the client electronic device 200 through network communication (such as smart customer service or online banking) or voice call (such as: AI Establish a connection with the instant card replacement system 100 through voice) or other methods to transmit the loss report application. The application result indicates that the credit card number has been deactivated and includes a credit card replacement number corresponding to the identification code, an Internet link URL, and an approval serial number for the credit card replacement number. The replacement credit card number is different from the credit card number that was reported lost and canceled, and includes information such as the card number, expiration date, and credit card security code.

The card opening process of the local card opening of the instant card replacement system 100 will be described in detail below. After the transmission module 3 transmits the approval serial number of the application result and the network link URL to the client electronic device 200, the client electronic device 200 connects to the bank provided by the network link URL. A first page. When the client electronic device 200 connects to the first webpage and displays the first webpage, the client will receive an identity verification information indicating the identity identification code and the birthday information and a confirmation that is the same as the approval serial number. The code is input into the corresponding field of the first web page by the client electronic device 200, and the client electronic device 200 can use the first web page to indicate the identity verification information indicating the identification code and the birthday information. And the confirmation code is sent to the processing module 2 via the transmission module 3 . Then, the processing module 2 compares the identity verification information with the customer information, and compares the confirmation code with the approval serial number stored in the storage module 1 . When the processing module 2 compares the identity verification information with one of the customer information, the confirmation code matches the approval serial number, and the identity verification information corresponds to one of the phone numbers, the processing module 2 will generate a one-time valid password, and transmit the one-time valid password to the client electronic device 200 corresponding to the phone number through the transmission module 3. When the client electronic device 200 returns the one-time valid password received from the transmission module 3 to the processing module 2 through the first web page, the processing module 2 will generate a partial card opening result, And store the partial card opening result in the storage module 1. The partial card opening result indicates that the credit card reissue number has been activated and can be used for consumption. In this way, through the comparison of the identity verification information and the customer information and the comparison of the approval serial number and the confirmation code, the instant card replacement system 100 can perform the card opening process under the condition of double verification, so as to The security of the partial card opening process of the instant card replacement system 100 is improved. Moreover, through repeated verification of the single valid password, the security of the partial card opening process of the instant card replacement system 100 can be further improved under the premise of double verification. Preferably, the partial card opening result indicates that the credit card reissue number, the channel information, and the payment type code are completely bound and consumption can be made. By binding the credit card reissue number to the channel information and the payment type code, the credit card reissue number (for example: the card number of a co-branded card) can only be used on the corresponding sales server 300 (for example: a co-branded card). Consumption is made in the card swiping machine of the store, thereby reducing the risk of the credit card reissue number being reissued by the instant card replacement system 100 being stolen and improving security.

After the processing module 2 generates the partial card opening result, the processing module 2 will notify the client electronic device 200 of the partial card opening result through the transmission module 3 and transmit the credit card reissue number to the customer. Terminal electronic device 200. Then, the client electronic device 200 displays the credit card reissue number through the first web page so that consumption can be made with the credit card reissue number. On the other hand, the customer can also choose to execute the customer service application provided by the bank on the first web page, and bind the credit card reissue number to the customer service application. In addition, the customer can also choose to execute the customer service application provided by the bank on the first web page, and use the customer service application to bind the credit card reissue number to the third-party channel. Or use at least one of the payment programs to be able to send a payment signal to the sales server 300 through the customer service application installed on the client electronic device 200 for debit consumption. Alternatively, the customer can also choose to execute the different payment programs on the first web page, and have the credit card reissue number be bound to the corresponding payment program so that it can be installed through the client electronic device 200 The payment program sends the payment signal to the sales server 300 for debit consumption.

It is worth mentioning that the customer can also perform partial card opening of the real-time card replacement system 100 through the customer service application without connecting to the first web page through the network link URL. card process. Specifically, after the client electronic device 200 receives the application result transmitted by the transmission module 3, when the customer can execute the customer service application through the client electronic device 200, the customer will instruct The identity verification information of the account code and the password code is input into the login interface of the customer service application through the client electronic device 200, and the client electronic device 200 can send instructions through the customer service application. The identity verification information containing the account code and the password code is transmitted to the processing module 2 through the transmission module 3 . Then, the processing module 2 compares the identity verification information with the customer information. When the processing module 2 compares the identity verification information with one of the customer information, the processing module 2 will generate the information indicating that the credit card reissue number and the first type of sales code have been bound. Partial card opening result, and store the partial card opening result in the storage module 1. The processing module 2 will also notify the client electronic device 200 that the credit card reissue number has been bound to the customer service application, or notify the client electronic device that the credit card reissue number has been bound to the corresponding third credit card reissue number. The payment program provided or used by the third-party channel completes the binding, so that the client electronic device 200 can make consumption with the credit card reissue number through the customer service application or the corresponding payment program. By executing the customer service application on the client electronic device 200, the instant card replacement system 100 can complete the card opening process only through the verification of the identity verification information, thereby facilitating the customer to quickly execute the card opening process.

When the processing module 2 completes any card opening process of the instant card replacement system 100 so that the credit card reissue number can be used for consumption, the sales server 300 can first receive the information from the client electronic device 200 The payment signal generates a charge code. For example, the client electronic device 200 can perform wireless sensing or barcode scanning on the sales server 300 to generate the payment signal; the client electronic device 200 can also be, for example, connected to the Internet. The computer or mobile phone of the trading platform and the sales server 300 is an online payment system. At this time, the customer can enter the credit card number through the sales server 300 or use the payment program or customer service application to deduct money. consumption. Specifically, the charge code includes card number information, channel information corresponding to the sales server 300, and the payment corresponding to the different payment programs or the customer service application used by the client electronic device 200. Type code. The card number information may be a conversion code (token) corresponding to the credit card reissue number, and the conversion code must be decoded by the processing module 2 to interpret the corresponding credit card reissue number. The card number information can also be used to directly issue a reissue number for the credit card, depending on the transaction type.

When the sales server 300 generates the charge code, the sales server 300 will be connected to the real-time card replacement system 100 and transmit the charge code to the processing module 2 through the transmission module 3 , at this time, the processing module 2 compares the requisition code with the data stored in the storage module 1. When the processing module 2 compares the payment request code with the channel information bound to the credit card reissue number, specifically, the card number information of the payment request code matches the credit card reissue number, and the request The channel information of the payment code is consistent with the store and store category represented by the sales server 300, and the payment type code of the payment code is consistent with the payment program or the customer service application used by the client electronic device 200. , the processing module 2 will generate a payment approval result based on the requisition code, and transmit the payment approval result to the sales server 300 through the transmission module 3 to complete the consumption. In this way, the credit card reissue number generated by the processing module 2 can be immediately created and activated by the processing module 2 for use by the client electronic device 200 after the credit card number is reported as lost and canceled. Consumption allows the customer to make purchases without having a physical card.

It should be noted that the credit card reissue number issued through the partial card opening process performed by the real-time card replacement system 100 includes a validity period that is shorter than the validity period of a general physical card after activation. After the processing module 2 generates the application result, the bank will continue to produce the physical card corresponding to the credit card reissue number. The bank will send the physical card to the customer after the physical card is produced. After receiving the physical card, the customer can activate the credit card reissue number again through the normal card opening process to extend the validity period of the credit card reissue number. However, after a certain number of days after the client electronic device 200 receives the application result, the customer will not be able to perform the partial card opening process, and the credit card reissue number will not be able to make purchases without opening a physical card.

To sum up, the credit card reissue number is generated by the processing module 2, and the identity verification information sent by the client electronic device 200 is compared with the identity verification information stored by the storage module 1 in the processing module 2. When one of the customer information matches, the processing module 2 is allowed to generate the partial card opening result, which allows the customer to use the credit card reissue number to make purchases without receiving the reissued credit card, which is convenient It has good properties, so it can indeed achieve the purpose of this new type.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

100: Instant card replacement system 200:Client electronic device 300: Sales server 1:Storage module 2: Processing module 3:Transmission module

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: FIG. 1 is a block diagram illustrating the connection relationship between an embodiment of the new real-time card replacement system and a client electronic device and a sales server.

100: Instant card replacement system

200:Client electronic device

300: Sales server

1:Storage module

2: Processing module

3:Transmission module

Claims (9)

An instant card replacement system is applicable to a client electronic device and includes: A storage module that stores multiple pieces of customer information with different contents. Each customer information includes an identification code and a credit card number corresponding to the identification code; a transmission module controlled to establish a connection with the client electronic device; and A processing module is electrically connected to the storage module and the transmission module. The processing module generates an application result based on a loss report application indicating the credit card number, and stores the application result in the storage module. The application result Including a credit card reissue number corresponding to the identification code and an Internet link URL. The credit card reissue number is different from the credit card number. The processing module uses the transmission module to transfer the Internet link of the application result. The URL is sent to the client electronic device, When the client electronic device transmits identity verification information to the processing module through the transmission module through the network link URL, the processing module compares the identity verification information with the customer information, When the processing module compares the identity verification information with one of the customer information, the processing module will generate a partial card opening result and store the partial card opening result in the storage module. The partial card opening result indicates that the credit card reissue number can be used for purchases made by the client electronic device. The real-time card replacement system as described in claim 1, wherein the real-time card replacement system is also applicable to a bank and at least one third-party channel, and each customer information stored in the storage module also includes the identity code corresponding to the An account code and a password code, after the client electronic device receives the application result transmitted by the transmission module, and the client electronic device executes a customer service application provided by the bank, the client The electronic device will first transmit the identity verification information indicating the account code and the password code to the processing module through the transmission module through the customer service application. Then, the processing module will compare the identity verification information to The customer information is compared. When the processing module compares the identity verification information with one of the customer information, and the processing module generates the partial card opening result, the processing module notifies the customer. The client electronic device has completed binding the credit card reissue number with the customer service application, or notified the client electronic device that has completed binding the credit card reissue number with the payment program provided or used by the third-party channel, so that The client electronic device can make purchases with the credit card reissue number through the customer service application or the payment program. The real-time card replacement system as described in claim 1, wherein the application result stored in the storage module also includes an approval serial number corresponding to the credit card reissue number, and the processing module also uses the transmission module to transfer the The approval serial number and the network link URL of the application result are sent to the client electronic device. When the client electronic device transmits the identity verification information and a confirmation code that is the same as the approval serial number through the network link URL, the When the transmission module transmits it to the processing module, the processing module compares the identity verification information with the customer information, and compares the confirmation code with the approval serial number stored in the storage module. When the processing module compares the identity verification information with one of the customer information, and the confirmation code matches the approval serial number, the processing module will generate the partial card opening result and open the partial card. The results are stored in this storage module. The instant card replacement system as described in claim 3, wherein the instant card replacement system is also applicable to a bank, and each customer information stored in the storage module also includes birthday information corresponding to the identity identification code and a Telephone number, when the client electronic device connects to a first webpage provided by the bank through the network link URL, the client electronic device will first indicate the identification code and the phone number through the first webpage. The identity verification information and the confirmation code of the birthday information are sent to the processing module through the transmission module. Then, the processing module compares the identity verification information with the customer information, and compares the confirmation code with The approval serial number stored in the storage module is compared. When the processing module compares the identity verification information with one of the customer information, the confirmation code matches the approval serial number, and the identity verification information matches When corresponding to one of the phone numbers, the processing module will generate a one-time valid password, and transmit the one-time valid password to the client electronic device corresponding to the phone number through the transmission module. When the client When the electronic device returns the one-time valid password received from the transmission module to the processing module through the first web page, the processing module will generate the partial card opening result. The instant card replacement system as described in claim 4, wherein after the processing module generates the partial card opening result, the processing module transmits the credit card reissue number to the client electronic device through the transmission module , then, the client electronic device will display the credit card reissue number through the first web page. The instant card replenishment system as described in claim 4, wherein after the processing module generates the partial card opening result, the processing module will notify the client electronic device of the partial card opening result, and then the client The electronic device selects a customer service application provided by the bank through the first web page. When the client electronic device executes the customer service application, the client electronic device selects the credit card through the customer service application. The reissue number is bound to the customer service application, or the customer service application chooses to bind the credit card reissue number to a payment program so that consumption can be made through the client electronic device. The instant card replenishment system as described in claim 4, wherein the instant card replenishment system is also applicable to at least one third-party channel. After the processing module generates the partial card opening result, the processing module will generate the partial card opening result. The card result is notified to the client electronic device. Then, the client electronic device selects to execute the payment program provided or used by the third-party channel through the first web page, and binds the credit card reissue number to the payment program. , so that the client electronic device can make purchases with the credit card reissue number. The real-time card replacement system as described in claim 2, wherein the real-time card replacement system is also applicable to a sales server, and the storage module also stores a store and store category indicating the store corresponding to the sales server. The channel information and the payment type code corresponding to the customer service application or the payment program; the partial card opening result generated by the processing module indicates that the credit card reissue number is bound to the channel information and the payment type code. The real-time card replenishment system as described in claim 8, wherein the sales server can receive a payment signal from the client electronic device to generate a charge code, and after the processing module generates the partial card opening result, The sales server is connected to the real-time card replacement system and transmits the charge code to the processing module through the transmission module. Then, the processing module stores the charge code into the storage module. When the processing module compares the requisition code with the channel information bound to the credit card reissue number, the processing module will generate a payment approval result based on the requisition code. , and transmit the payment approval result to the sales server through the transmission module to complete the consumption.

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