CREDIT CARD PAYMENT PROCESSING METHOD AND APPARATUS

• US 20190311347A1
• Filed: 04/02/2019
• Published: 10/10/2019
• Est. Priority Date: 04/04/2018
• Status: Abandoned Application

• Current Assignee: Advanced New Technologies Company Limited (Ant Group Co., Ltd.)
• Original Assignee: Alibaba Group Holding Ltd.
• Inventors: HE, Guangda
• Application Number:
  US16/372,719
• Publication Number:
  US 20190311347A1
• Time in Patent Office: Days
• CPC Class Codes: G06F 9/547 Remote procedure calls [RPC]; Web services
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for processing credit card payment are provided. One of the methods includes: receiving credit card information from a client; generating a payment token representing the credit card information and storing the payment token; sending the payment token to the client for the client to use the payment token for payment; receiving a payment request including the payment token; locating the credit card information based on the payment token; and processing the payment request based on the credit card information.

Claims

1. A credit card payment processing method applicable on a payment server, comprising:

receiving credit card information from a client;

generating a payment token representing the credit card information and storing the payment token;

sending the payment token to the client for the client to use the payment token for payment;

receiving a payment request including the payment token;

locating the credit card information based on the payment token; and

processing the payment request based on the credit card information.

2. The method of claim 1, wherein the payment token comprises a combination of letters and/or numbers.

3. The method of claim 1, wherein the credit card information comprises a credit card security code.

4. The method of claim 1, wherein the receiving credit card information from a client comprises:

receiving the credit card information from a client via an API interface of the payment server.

5. The method of claim 1, wherein the payment token has a valid period.

6. The method of claim 1, further comprising:

storing a corresponding relationship between the credit card information and the payment token; and

locating the credit card information based on the payment token comprising;

locating the credit card information based on the corresponding relationship between credit card information and payment token.

7. A credit card payment processing method applicable on an application server, comprising:

receiving a payment request from a client, the payment request including a payment token representing credit card information; and

sending the payment token to a payment server for the payment server to locate the credit card information based on the payment token and process the payment request based on the credit card information.

8. The method of claim 7, wherein the payment token comprises a combination of letters and/or numbers.

9. The method of claim 7, wherein the credit card information comprises a credit card security code.

10. The method of claim 7, wherein the payment token has a valid period.

11. The method of claim 7, wherein the payment token is generated by the payment server based on the credit card information.

12. The method of claim 7, wherein the payment request is associated with an order received from the client.

13. A credit card payment processing method, comprising:

obtaining credit card information input by a user for payment;

sending the credit card information to a payment server;

obtaining a payment token representing the credit card information from the payment server;

submitting a payment request, via an application server, to the payment server, the payment request including the payment token for the payment server to locate the credit card information based on the payment token and process the payment request based on the credit card information.

14. The method of claim 13, wherein the payment token comprises a combination of letters and/or numbers.

15. The method of claim 13, wherein the credit card information comprises a credit card security code.

16. The method of claim 13, wherein the sending the credit card information to a payment server comprises:

sending the credit card information to the payment server via an API interface provided by the payment server to exchange for a payment token, and

the obtaining a payment token representing the credit card information from the payment server comprises;

obtaining, via the API interface, the payment token representing the credit card information from the payment server.

17. The method of claim 13, wherein the payment token has a valid period.