Title:
A system and a method for accommodative selection of the banking card for payments
Document Type and Number:
Japanese Patent JP6095106
Kind Code:
B2
Abstract:
A system, that adaptively selects a bank card for payment, performs payment operations between a user and a payee through a payment platform. The payment platform includes a database, a rule engine unit, and a payment processing unit. The database stores information including: account information of a user, information of a plurality of bank cards that are used for payment, card selection rules, and payment records. The rule engine unit selects a bank card for the present payment from the plurality of bank cards based on the information of card selection rules. The payment processing unit receives a payment request from a user client, obtains the bank card for the present payment from the rule engine unit, and transfers a payment amount to the payee using the selected bank card. The present disclosure allows setting up card selection rules in advance. Therefore, in each card selection, subsequent payment operations may be continued without the need for a user to wait until interaction associated with card selection has been established with a user client and a card has been selected by the user. The speed of payment can be improved, and the resources of the network and the payment platform will not be occupied.
Inventors:
Liu Jong Shen
Application Number:
JP2012517521A
Publication Date:
April 12, 2017
Filing Date:
April 28, 2010
Export Citation:
Assignee:
ALIBABA GROUP HOLDING LIMITED
International Classes:
G06Q20/24; G06Q20/00; G06Q40/02
Domestic Patent References:
| JP2002163585A | ||||
| JP2003296641A | ||||
| JP2008146240A | ||||
| JP11259588A | ||||
| JP2000163493A | ||||
| JP200993380A |
Attorney, Agent or Firm:
Patent Business Corporation Tani/Abe Patent Office
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