| 摘要 |
A computer-implemented method for processing a payment-on-delivery (POD) transaction is provided. The method comprising (a) obtaining transaction information in respect of an order placed by a cardholder with a merchant, said transaction information comprising payment account information associated with the cardholder; (b) transmitting a pre-payment authorization code associated with the order to the cardholder; (c) receiving a payment authorization request from a communication device of the cardholder, said payment authorization request having been sent upon delivery of order merchandise, wherein the payment authorization request comprises a candidate pre-payment authorization code; (d) verifying the candidate pre-payment authorization code using the pre-payment authorization code; and (e) upon successful verification, transmitting a transaction request for effecting a payment from an issuing bank associated with the payment account, the transaction request comprising the payment account information. An apparatus is also proposed. |
| 主权项 |
1. A computer-implemented method for processing a payment-on-delivery (POD) transaction, the method comprising:
(a) obtaining, by a transaction management component of a server, transaction information in respect of an order placed by a cardholder with a merchant, said transaction information comprising payment account information associated with the cardholder; (b) transmitting, by the transaction management component, a pre-payment authorization code associated with the order to the cardholder; (c) receiving, by a payment authorization component of the server, a payment authorization request from a communication device of the cardholder, said payment authorization request having been sent upon delivery of ordered merchandise, wherein the payment authorization request comprises a candidate pre-payment authorization code; (d) verifying, by the payment authorization component, the candidate pre-payment authorization code using the pre-payment authorization code; and (e) upon successful verification, transmitting a transaction request for effecting a payment from an issuing bank associated with the payment account, the transaction request comprising the payment account information. |
