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

Abstract

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

Description

Expired Credit Card Replacement Methods, Devices, Devices, Media and Program Products

technical field

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

Background technique

At present, the validity period of the physical card of most commercial bank credit cards is regulated based on the time of the CA key certificate provided by the international card organization. Credit cards are valid for about 5 to 10 years, depending on the requirements of the card organization. According to the business process of existing commercial banks to replace cards when they expire, the bank will generally remind users 1-2 months in advance by sending text messages, outbound calls and other forms of contacting customers to remind users that the card is about to be replaced, and then the bank will be close to the expiration date (such as 1 month) Start the production and delivery of replacement new cards. According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks": "For newly issued credit cards, reporting lost cards, damaged cards, and expired cards, they must be activated before they can be opened for use by cardholders." After the card is installed, card activation is also required to make a payment. If the user completes the card activation of the new card before the old card expires, the bank will automatically stop using the old card and complete the card replacement operation; The card expires and stops using, and the new card has not yet been activated, and the user can continue to use the card for payment only after the user has completed the activation of the card. The replacement of a credit card needs to go through the processes of card making, mailing, user card collection, and card activation. The process is lengthy. If the user's original card has signed three-party card binding, withholding and payment services, etc., the payment service will be interrupted due to the expiration of the card. In this case, the user experience is poor, and it may even lead to user churn.

Since the birth of the first credit card in 1985, my country's credit card industry has developed rapidly, and various banks have achieved rapid breakthroughs in the scale of card issuance and transaction volume. However, due to the shift of China's economic growth, the rise of mobile payment, and the emergence of Internet loan products such as "Huabei" and "Bai Tiao", the development model of the credit card industry has shifted from "staking the field" to "intensive cultivation". Continuous innovation has been achieved in many aspects such as risk control, and the overall development has been relatively mature, entering the stage of slowing down the increment and the game of stock. Therefore, how to provide three-dimensional and comprehensive financial products and services for high-quality users, including improving user experience in the process of expiring and replacing users' credit cards in batches, so as to achieve the purpose of restoring existing users, is a problem that commercial banks need to think about at present. .

SUMMARY OF THE INVENTION

In view of the above problems, the present disclosure provides an expired credit card replacement method, apparatus, apparatus, medium and program product that improve the credit card replacement experience.

According to a first aspect of the present disclosure, there is provided a method for replacing an expired credit card, including: obtaining information screening authorization of a user, regularly screening users whose physical credit card has expired; sending a first authorization obtaining request to the user to obtain the user's information screening authorization The first credit card service extension authorization; and after obtaining the first credit card service extension authorization, the method further includes: obtaining the user's electronic information card activation authorization, and creating an electronic credit card for the user, the electronic credit card is used for online payment; and obtaining the user's physical card re-authorization, making a new physical credit card and issuing the card to the user for offline payment by the user.

According to an embodiment of the present disclosure, the regular screening of users whose physical credit cards have expired includes: screening users whose physical cards have expired within a preset period and who have no bad records within the credit card usage period.

According to an embodiment of the present disclosure, the method further includes: if the user has a bad record within the credit card usage period, sending a prompt message to the user, prompting the user to process the bad record; acquiring the user's bad record processing request, in The bad record is reviewed before the physical credit card expires; after the review of the bad record is passed, the user's first credit card service extension authorization is obtained to provide the user with a replacement service for the expired credit card.

According to an embodiment of the present disclosure, the method further includes: acquiring the confirmation card information returned by the user, where the confirmation card information is used to identify that the user has received a new physical credit card; after acquiring the confirmation card information, sending the first Send activation request information to the user to request authorization to activate a new physical credit card; obtain the first confirmation activation information returned by the user, and activate the new physical credit card.

According to an embodiment of the present disclosure, after obtaining the confirmation card receipt information returned by the user, the method further includes: receiving the electronic credit card authority information returned by the user, the electronic credit card authority information representing whether the user chooses to close the electronic credit card; if the user chooses to close the electronic credit card; Select Turn off electronic credit card to stop the use of the electronic credit card.

According to an embodiment of the present disclosure, the method further includes: if the user chooses to close the electronic credit card, before the next physical credit card expires, sending second activation request information to the user, prompting the user to activate the electronic credit card; obtaining the second activation request returned by the user. The activation confirmation information is used to start the electronic credit card to provide credit card payment service for the user.

According to an embodiment of the present disclosure, the electronic credit card and the physical credit card belong to the same credit card account, and the electronic credit card has an independent validity period from the physical credit card.

According to an embodiment of the present disclosure, the method further includes: before the electronic credit card expires, sending a second authorization acquisition request to the user; acquiring the user's second credit card service extension authorization to extend the validity period of the electronic credit card.

A second aspect of the present disclosure provides an expired credit card replacement device, including: a user screening module for obtaining information screening authorization of users, and regularly screening users whose physical credit cards have expired; an authorization obtaining module for sending information to users The first authorization acquisition request is to acquire the user's first credit card service extension authorization; the electronic card providing module is used to acquire the authorization to activate the user's electronic information card, and to create an electronic credit card for the user, and the electronic credit card is used for online payment; and a physical card replacement module, which is used to obtain the user's physical card re-authorization, make a new physical credit card and issue the card to the user for offline payment by the user.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more programs When executed by the processor, one or more processors are caused to execute the above-mentioned method for replacing an expired credit card.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having executable instructions stored thereon, the instructions, when executed by a processor, cause the processor to execute the above-mentioned method for replacing an expired credit card.

A fifth aspect of the present disclosure also provides a computer program product, including a computer program, which, when executed by a processor, implements the above-mentioned method for replacing an expired credit card.

According to the method for replacing an expired credit card provided by the embodiment of the present disclosure, there is no need for the user to replace the credit card in person. When the user is too late to replace the credit card, an electronic card can be activated for the user under the condition of the user's authorization, so as to ensure the use of the user and create a new card for the user. It can realize the effect of "even if the card is changed offline, the payment service will not be interrupted", which greatly improves the user's card experience. The pain point of the loss of users has improved the market competitiveness of commercial banks.

Description of drawings

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

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

FIG. 2 schematically shows a flowchart of a method for replacing an expired credit card according to Embodiment 1 of the present disclosure;

FIG. 3 schematically shows a flowchart of a method for replacing an expired credit card according to Embodiment 2 of the present disclosure;

FIG. 4 schematically shows a flowchart of a method for replacing an expired credit card according to Embodiment 3 of the present disclosure;

FIG. 5 schematically shows a flowchart of a method for replacing an expired credit card according to Embodiment 4 of the present disclosure;

FIG. 6 schematically shows a structural block diagram of an expired credit card replacement device according to an embodiment of the present disclosure; and

FIG. 7 schematically shows a block diagram of an electronic device suitable for implementing a method for replacing an expired credit card according to an embodiment of the present disclosure.

Detailed ways

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

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

All terms (including technical and scientific terms) used herein have the meaning as commonly understood by one of ordinary skill in the art, unless otherwise defined. It should be noted that terms used herein should be construed to have meanings consistent with the context of the present specification and should not be construed in an idealized or overly rigid manner.

Where expressions like "at least one of A, B, and C, etc.," are used, they should generally be interpreted in accordance with the meaning of the expression as commonly understood by those skilled in the art (eg, "has A, B, and C") At least one of the "systems" shall include, but not be limited to, systems with A alone, B alone, C alone, A and B, A and C, B and C, and/or A, B, C, etc. ).

It should be noted that the method and device for replacing an expired credit card provided by the present disclosure can be used in the credit card replacement process in the financial field, and can also be used in any field other than the financial field, and the application field of the method and device for replacing an expired credit card disclosed in the present disclosure Not limited.

In the technical solution of the present disclosure, the collection, storage, use, processing, transmission, provision, disclosure and application of the user's personal information involved are all in compliance with the relevant laws and regulations, and necessary confidentiality measures have been taken, and do not violate the Public order and good customs.

In the technical solution of the present disclosure, the authorization or consent of the user is obtained before the user's personal information is obtained or collected.

The embodiment of the present disclosure provides a method for replacing an expired credit card. The bank selects high-quality users whose credit cards are about to expire through big data mining, and uses intelligent AI to call users out to ask whether they are willing to accept cards with "long-term validity". After obtaining the user's approval, the physical card will be converted into an electronic card form to continue to provide services for the user, and a new physical card will be produced for the user. After the old physical card expires, the user can still use the electronic card form for payment. After the physical card is activated, the subsequent bank will provide card service in the form of a physical card. If the user does not activate the physical card, the bank can always provide services to the user in the form of an electronic card. This method does not require the user to change the credit card in person. When the user is too late to change the credit card, an electronic card can be opened for the user under the condition of the user's authorization to ensure the use of the user, and a new physical card can be made for the user to realize "even offline card replacement." "Payment services will not be interrupted", which greatly improves the user's card experience. On the other hand, it also better solves the pain point problem of user loss that is easy for commercial banks to exchange cards when they expire, and improves commercial banks. market competitiveness.

FIG. 1 schematically shows an application scenario diagram of a method and apparatus for replacing an expired credit card according to an embodiment of the present disclosure.

As shown in FIG. 1 , the application scenario 100 according to this embodiment may include a bank credit card expiration replacement process. The network 104 is a medium used to provide a communication link between the terminal devices 101 , 102 , 103 and the server 105 . The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user can use the terminal devices 101, 102, 103 to interact with the server 105 through the network 104 to receive or send messages and the like. Various communication client applications may be installed on the terminal devices 101 , 102 and 103 , such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (just examples).

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

The server 105 may be a server that provides various services, such as a background management server (just an example) that provides support for websites browsed by users using the terminal devices 101 , 102 , and 103 . The background management server can analyze and process the received user requests and other data, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

It should be noted that, the method for replacing an expired credit card provided by the embodiment of the present disclosure may generally be executed by the server 105 . Correspondingly, the device for replacing an expired credit card provided by the embodiment of the present disclosure may generally be provided in the server 105 . The method for replacing an expired credit card provided by the embodiment of the present disclosure may also be executed by a server or server cluster different from the server 105 and capable of communicating with the terminal devices 101 , 102 , 103 and/or the server 105 . Correspondingly, the expiring credit card replacement device provided by the embodiment of the present disclosure may also be provided in a server or server cluster different from the server 105 and capable of communicating with the terminal devices 101 , 102 , 103 and/or the server 105 .

It should be understood that the numbers of terminal devices, networks and servers in FIG. 1 are merely illustrative. There can be any number of terminal devices, networks and servers according to implementation needs.

Based on the scenario described in FIG. 1 , the method for replacing an expired credit card in the disclosed embodiment will be described in detail below with reference to FIGS. 2 to 6 .

FIG. 2 schematically shows a flowchart of a method for replacing an expired credit card according to Embodiment 1 of the present disclosure.

As shown in FIG. 2 , the method for replacing an expired credit card in this embodiment includes operations S210 to S240 , and the transaction processing method may be executed sequentially.

In operation S210, the user's information screening authorization is obtained, and users whose physical credit cards are expired are regularly screened.

In the embodiment of the present disclosure, when users whose physical credit cards are expired are regularly screened, if the acquisition of user information is involved, the user's consent or authorization can be obtained. For example, before operation S210, a request for obtaining user information may be sent to the user. In the case that the user agrees or authorizes that the user information can be acquired, operation S210 is performed.

When operation S210 is performed, users whose physical cards expire within a preset period are screened, and the users have no bad records within the credit card usage period. For example, big data mining can be used to screen out high-quality users whose physical credit cards are about to expire in two months. Preferably, users who have not had overdue repayments and whose card and account status are in normal state are regarded as high-quality users. User, filter out the list.

According to the regulations of the China Banking Regulatory Commission, when the customer service changes, it needs the customer's consent to handle it. Therefore, it is necessary to communicate with the customer through the intelligent outbound call device, and only after the confirmation can the customer handle the long-term valid card service.

In operation S220, a first authorization acquisition request is sent to the user to acquire the user's first credit card service extension authorization.

In the embodiment of the present disclosure, after the users are screened out, the user's credit card information, including identity information such as trusted mobile phones, can be sent to the bank's intelligent outbound call device for outbound call contact. After receiving the user list and user information sent by the bank's credit card expiration processing device, the bank's intelligent outbound call device dials the user's mobile phone one by one, and after the mobile phone is connected, it verifies the user information and confirms that the recipient is about to expire. The user of the credit card asks the user whether the user is willing to accept the service of the card with "long-term validity". Optionally, the manner of sending the first authorization acquisition request to the user may further include a communication manner such as a short message, an email, and a designated credit card software product.

After obtaining the user's first credit card service extension authorization, operations S230 to S240 are performed to extend the user's credit card service.

In operation S230, the user's electronic information card activation authorization is obtained, and an electronic credit card is created for the user, and the electronic credit card is used for online payment.

In the embodiment of the present disclosure, after obtaining user authorization, record user verification information and user feedback information records, start processing the card replacement one month before the expiration date of the credit card, generate an electronic credit card and notify the user, so that the user can use the electronic credit card Make an online payment. Furthermore, users can make offline payments using electronic credit cards using mobile terminals such as mobile phones.

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

In operation S240, the user's physical card re-authorization is obtained, a new physical credit card is made and issued to the user for offline payment by the user.

In this embodiment, while the electronic credit card is provided for the user, the card making and mailing process of the physical credit card can be started, so as to ensure the user's physical card payment experience.

Optionally, the electronic credit card and the physical credit card can be the associated cards of the same account under the user name, with the same card number but different medium forms.

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

After the user obtains a new physical credit card, the bank needs to activate the new physical credit card based on the user's activation authorization. After the credit card is activated, the user can use the physical credit card normally, and this step includes operations S241-S243.

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

In operation S242, after obtaining the confirmation card receipt information, the first activation request information is sent to the user, so as to request authorization to activate the new entity credit card.

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

Specifically, after receiving the physical form of the credit card, the user can send the confirmation card information to the bank online or at the counter, self-service terminal, etc.; A first activation request message is sent to activate the card. After the card is activated, the valid form of the user's credit card will be transformed into a coexisting form of physical form and digital form. Users can make payments with the physical form of the card, or continue to use the digital form of the card for online payment.

According to the method for updating an expired credit card provided by the embodiment of the present disclosure, before the new physical credit card is activated, the user can be provided with an electronic credit card for payment, and the payment can be continued without interruption even when the old physical card has expired. Therefore, the situation that the user's use is not affected by the card replacement in time is avoided, and the user's payment experience is improved; while the method provides the user with an electronic credit card, the preparation of new physical credit is completed to meet the user's demand for using the physical card.

FIG. 3 schematically shows a flowchart of a method for replacing an expired credit card according to Embodiment 2 of the present disclosure.

As shown in FIG. 3, in addition to operations S210-S240, the method for replacing an expired credit card provided by the embodiment of the present disclosure may further include operations S310-S330.

In operation S310, if the user has a bad record within the credit card usage period, a prompt message is sent to the user to prompt the user to deal with the bad record.

In this embodiment, according to operation S210, when the credit card system completes the process of screening expired credit card users, users with bad records, such as users with overdue repayment records, can be screened out, and such users are notified to deal with themselves as soon as possible. Overdue records, such as repaying the loan, providing corresponding credit certificates, etc.

In operation S320, the user's request for processing bad records is obtained, and the bad records are reviewed before the physical credit card expires.

In operation S330, after the review of the bad record is passed, the user's first credit card service extension authorization is obtained, so as to provide the user with an expired credit card replacement service.

If the user can deal with the bad records in time, it proves that the user has potential development value. Therefore, by providing the user with a bad record review, after the review is passed, the user will be provided with corresponding replacement services to increase user stickiness.

If the user cannot deal with the relevant bad records, such user can only exchange the card through the normal credit card replacement process.

FIG. 4 schematically shows a flowchart of a method for replacing an expired credit card according to Embodiment 3 of the present disclosure.

As shown in FIG. 4 , in addition to operations S210-S240 and operations S310-S330, after the user obtains a new physical credit card and returns the confirmation card receipt information to the credit card system, the method for replacing an expired credit card may further include operations S410-S430 .

In operation S410, the electronic credit card authority information returned by the user is received, where the electronic credit card authority information represents whether the user chooses to close the electronic credit card.

In operation S420, if the user chooses to close the electronic credit card, the account cancellation process is performed on the electronic credit card.

In operation S430, if the user does not choose to close the electronic credit card, both the current electronic credit card and the new physical credit card can provide credit card services for the user.

According to the embodiment of the present disclosure, after receiving the physical form of the credit card, the user can activate the card online or at the counter, self-service terminal, etc. After the card is activated, the valid form of the customer's credit card is transformed into a physical form and a digital form coexisting In the form of , customers can pay with the physical form of the card, or continue to use the digital form of the electronic card to pay online.

Further, if the user does not want to continue to use the electronic credit card after receiving the physical credit card, he can apply to the bank or the card issuer to stop the use of the electronic credit card account and only use the physical credit card.

According to an embodiment of the present disclosure, if the user chooses to close the electronic credit card, before the next physical credit card expires, an activation request message is sent to the user, prompting the user to activate the electronic credit card, so as to activate the electronic credit card to provide the user with credit card payment Serve.

Optionally, if the user does not want to continue to use the electronic credit card after receiving the physical form of the credit card, he or she may apply to the bank or the card issuer to suspend the use of the electronic credit card account. Before the next physical credit card expires, the user can apply to the bank or the card issuer to restart the electronic credit card account, so as to ensure normal payment use until the expired physical credit card is not replaced.

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

FIG. 5 schematically shows a flowchart of a method for replacing an expired credit card according to Embodiment 4 of the present disclosure.

As shown in FIG. 5 , an embodiment of the present disclosure further provides a method for processing an extension of an electronic credit card, including operations S510-S520.

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

In operation S520, the user's second credit card service extension authorization is obtained, and the validity period of the electronic credit card is extended.

According to an embodiment of the present disclosure, an electronic credit card has the same usage authority as a physical credit card, and thus a usage period is also set. Different from the physical credit card, the electronic credit card does not need to change the medium form, and only needs to obtain the user's extension authorization to extend the validity period.

Based on the above-mentioned method for replacing an expired credit card, the present disclosure also provides a device for replacing an expired credit card. The device will be described in detail below with reference to FIG. 6 .

FIG. 6 schematically shows a structural block diagram of an expired credit card replacement device according to an embodiment of the present disclosure.

As shown in FIG. 6 , the expiring credit card replacement device 600 in this embodiment includes a user screening module 610 , an authorization acquisition module 620 , an electronic card providing module 630 and a physical card replacement module 640 .

The user screening module 610 is configured to obtain the user's information screening authorization, and regularly screen the users whose physical credit cards have expired. In one embodiment, the user screening module 610 may be configured to perform the operation S210 described above, which will not be repeated here.

The authorization acquisition module 620 is configured to send a first authorization acquisition request to the user, and acquire the user's first credit card service extension authorization. In an embodiment, the authorization obtaining module 620 may be configured to perform the operation S220 described above, which will not be repeated here.

The electronic card providing module 630 is used to obtain the user's electronic information card activation authorization, and to create an electronic credit card for the user, and the electronic credit card is used for online payment. In one embodiment, the electronic card providing module 630 may be configured to perform the operation S230 described above, which will not be repeated here.

The physical card replacement module 640 is used to obtain the user's physical card re-authorization, to make a new physical credit card and issue the card to the user for offline payment by the user. In an embodiment, the physical card replacement module 640 may be configured to perform the operation S240 described above, which will not be repeated here.

The user screening module 610 can specifically screen users whose physical cards expire within a preset period, for example, users whose physical cards expire within two months, and who have no bad records within the credit card usage period.

In one embodiment of the present disclosure, the user screening module 610 may further include a bad user processing unit, a bad record review unit, and a bad user extension unit. The bad user processing unit is used to send a prompt message to the user if the user has a bad record within the credit card usage period, prompting the user to deal with the bad record; the bad record review unit is used for if the user initiates the processing process for the bad record, when the physical credit card expires Check the bad records before; the bad user extension unit is used to obtain the user's first credit card service extension authorization after the bad record is approved, so as to provide the user with the expired credit card replacement service.

In one embodiment of the present disclosure, the physical card replacement module 640 may further include an activation unit, configured to activate the new physical credit card based on the activation authorization of the user after the user obtains the new physical credit card.

In one embodiment of the present disclosure, the physical card replacement module 640 may further include an electronic credit card closing unit, configured to stop the use authority of the electronic credit card if the user chooses to close the electronic credit card after the user obtains a new physical credit card. Both the electronic credit card and the new physical credit card can provide credit card services to the user if the user does not choose to turn off the electronic credit card.

The physical card replacement module 640 may further include an electronic credit card restarting unit, for if the user chooses to close the electronic credit card, before the next physical credit card expires, send activation request information to the user, prompting the user to activate the electronic credit card, so as to activate the electronic credit card. The above electronic credit card provides users with credit card payment services.

In one embodiment of the present disclosure, the electronic credit card and the physical credit card belong to the same credit card account, and the electronic credit card has an independent validity period from the physical credit card.

In one embodiment of the present disclosure, the expiring credit card replacement device 600 may further include an electronic credit card extension module, configured to send a second authorization acquisition request to the user before the electronic credit card expires to acquire the user's second credit card service extension authorization ; Extend the validity period of the electronic credit card after obtaining the user's authorization.

According to an embodiment of the present disclosure, any plurality of modules among the user screening module 610 , the authorization obtaining module 620 , the electronic card providing module 630 and the physical card replacement module 640 may be combined in one module, or any one of the modules may be implemented by Split into multiple modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the user screening module 610, the authorization obtaining module 620, the electronic card providing module 630, and the physical card replacement module 640 may be implemented at least partially as a hardware circuit, such as a field programmable gate array (FPGA). ), programmable logic array (PLA), system-on-chip, system-on-substrate, system-on-package, application-specific integrated circuit (ASIC), or hardware or firmware that can be implemented by any other reasonable means of integrating or packaging a circuit It can be implemented in any one of the three implementation manners of software, hardware and firmware, or in an appropriate combination of any of them. Alternatively, at least one of the user screening module 610, the authorization obtaining module 620, the electronic card providing module 630, and the physical card replacement module 640 may be implemented at least partially as a computer program module, which, when executed, can execute the corresponding function.

FIG. 7 schematically shows a block diagram of an electronic device suitable for implementing a method for replacing an expired credit card according to an embodiment of the present disclosure.

As shown in FIG. 7 , an electronic device 700 according to an embodiment of the present disclosure includes a processor 701 that can be loaded into a random access memory (RAM) 703 according to a program stored in a read only memory (ROM) 702 or from a storage part 708 program to perform various appropriate actions and processes. The processor 701 may include, for example, a general-purpose microprocessor (eg, a CPU), an instruction set processor and/or a related chipset, and/or a special-purpose microprocessor (eg, an application-specific integrated circuit (ASIC)), and the like. The processor 701 may also include on-board memory for caching purposes. The processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to the embodiments of the present disclosure.

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

According to an embodiment of the present disclosure, the electronic device 700 may also include an input/output (I/O) interface 705 that is also connected to the bus 704 . The electronic device 700 may also include one or more of the following components connected to the I/O interface 705: an input portion 706 including a keyboard, mouse, etc.; including components such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and An output section 707 of a speaker or the like; a storage section 708 including a hard disk or the like; and a communication section 707 including a network interface card such as a LAN card, a modem, or the like. The communication section 707 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is mounted on the drive 710 as needed so that a computer program read therefrom is installed into the storage section 708 as needed.

The present disclosure also provides a computer-readable storage medium. The computer-readable storage medium may be included in the device/apparatus/system described in the above embodiments; it may also exist alone without being assembled into the device/system. device/system. The above-mentioned computer-readable storage medium carries one or more programs, and when the above-mentioned one or more programs are executed, implement the method according to the embodiment of the present disclosure.

According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, such as, but not limited to, portable computer disks, hard disks, random access memory (RAM), read only memory (ROM) , erasable programmable read only memory (EPROM or flash memory), portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing. In this disclosure, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include one or more memories other than ROM 702 and/or RAM 703 and/or ROM 702 and RAM 703 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flowchart. When the computer program product runs in the computer system, the program code is used to enable the computer system to implement the item recommendation method provided by the embodiments of the present disclosure.

When the computer program is executed by the processor 701, the above-mentioned functions defined in the system/apparatus of the embodiment of the present disclosure are performed. According to embodiments of the present disclosure, the systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules.

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

In such an embodiment, the computer program may be downloaded and installed from the network via the communication portion 709 and/or installed from the removable medium 711 . When the computer program is executed by the processor 701, the above-described functions defined in the system of the embodiment of the present disclosure are performed. According to embodiments of the present disclosure, the above-described systems, apparatuses, apparatuses, modules, units, etc. can be implemented by computer program modules.

According to the embodiments of the present disclosure, the program code for executing the computer program provided by the embodiments of the present disclosure may be written in any combination of one or more programming languages, and specifically, high-level procedures and/or object-oriented programming may be used. programming language, and/or assembly/machine language to implement these computational programs. Programming languages include, but are not limited to, languages such as Java, C++, python, "C" or similar programming languages. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (eg, using an Internet service provider business via an Internet connection).

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

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

Embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only, and are not intended to limit the scope of the present disclosure. Although the various embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the appended claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, and these substitutions and modifications should all fall within the scope of the present disclosure.

Claims (12)

1. A method of due credit card replacement comprising:

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

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

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

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

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

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

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

3. The method of claim 1, further comprising:

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

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

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

4. The method of claim 1, further comprising:

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

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

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

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

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

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

6. The method of claim 5, further comprising:

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

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

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

8. The method of claim 7, further comprising:

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

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

9. An expired credit card replacing device comprising:

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

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

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

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

10. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

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

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

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

Images