CN104376452A - System and method for managing payment success rate on basis of international card payment channel - Google Patents
System and method for managing payment success rate on basis of international card payment channel Download PDFInfo
- Publication number
- CN104376452A CN104376452A CN201310355233.9A CN201310355233A CN104376452A CN 104376452 A CN104376452 A CN 104376452A CN 201310355233 A CN201310355233 A CN 201310355233A CN 104376452 A CN104376452 A CN 104376452A
- Authority
- CN
- China
- Prior art keywords
- payment
- international card
- passage
- card
- party payment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/356—Aspects of software for card payments
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a system for managing the payment success rate on the basis of an international card payment channel, and meanwhile provides a method for managing the payment success rate by means of the system. Results of payment of a buyer credit card in a payment channel and failure reasons of payment are classified, a transaction which can not be successfully paid in one payment channel is submitted to another channel for payment, and accordingly the aim of improving the payment success rate is achieved.
Description
Technical field
The present invention relates to international card payment technical field, more particularly, relate to a kind of system carrying out managing payment success ratio based on international card payment channel, the method for the managing payment success ratio using this system is also provided simultaneously.
Background technology
Buyer uses international card when commodity are bought in electric business website, the payment channel that the payment request of buyer can be assigned randomly to its access by electricity business platform submits payment to, payment channel then can verify according to corresponding wind regulatory control the international card that buyer uses, if verification by; submit to international card tissue and credit card issuer processes.Authorize by rear, electric business's platform confirms that buyer pays successfully, and notifies that seller delivers.
Because international card exists a large amount of risk of fraud, so each payment channel has a set of independently risk rule of oneself, so just there is buyer's same credit card can may pay successfully a payment channel, but cannot be successful at another one passage.
The present invention is sorted out by the result that pays in payment channel buyer's credit card and failure cause, for paying successfully by a payment channel, submits to another one passage to pay, to reach the object improving and pay success ratio.
Prior art is after buyer uses international card to submit the request of purchase to, and the card number of buyer's international card, CVV, the term of validity, amount information are submitted to payment channel (World Pay, Global Collect, QiWi, middle silver card department, Paypal etc.) process by foreign trade platform.In single purchase behavior, in this link, the credit card of buyer can random submitted some payment channel process, credit card actually by this passage buyer possibly cannot pay successfully, and in fact the credit card of buyer had the record of Successful Transaction in other payment channel.Owing to being random submission to, causing buyer cannot pay successfully so exist, objectively reduce payment success ratio, cause the problem that buyer is run off.
Summary of the invention
The invention provides a kind of system carrying out managing payment success ratio based on international card payment channel, the method for the managing payment success ratio using this system is also provided simultaneously.
The invention provides a kind of system carrying out managing payment success ratio based on international card payment channel, it is characterized in that, described system comprises client, electricity Shang network company server, international card information server, some Third-party payment passages, wherein, described client and described electricity Shang network company server intercom mutually; Described electricity Shang network company server intercoms mutually with described international card information server; Described electricity Shang network company server intercoms mutually with described some Third-party payment passages; Described international card information server intercoms mutually with described some Third-party payment passages.
Preferably, described client comprises signature pad, and described signature pad is used for the user of international card electronic signature to be retrieved as electronic signal.
In above-mentioned either a program preferably, described client comprises input/output module, Communications Processor Module, memory module.
In above-mentioned either a program preferably, described electric business's webserver comprises order module, new and old card judge module, susceptibility classifying module, payment channel routing module.
The present invention also provides a kind of method carrying out the managing payment success ratio of the system of managing payment success ratio based on international card payment channel, and described method comprises the steps:
A) described client places an order on described electric business's webserver, and described electric business's webserver is that described client generates sequence information;
B) described electric business's webserver receives international card payment information;
C) described electric business's webserver sends payment request information to described Third-party payment passage;
D) after waiting for that described Third-party payment passage completes the payment request of described international card, the information of payment processes result is returned to described electric business's webserver by described Third-party payment passage, and described electric business's webserver receives the information of payment processes result.
Preferably, the step b of said method) in also comprise the steps:
A), after described electric business's webserver receives the order from described client, described order module generates the relevant information of this order;
B) described sequence information is submitted to described new and old card judge module by described order module, and described new and old card judge module communicates with described international card information server, for judging whether described international card is the neocaine of not concluded the business;
C) in described susceptibility classifying module, carry out susceptibility classification and identification, described susceptibility classifying module communicates with described international card information server, for obtaining the susceptibility information of described international card;
D) the susceptibility information of acquisition is sent to described payment channel routing module by described susceptibility classifying module, and described payment channel routing module selects corresponding described Third-party payment passage to pay according to the reality obtained from the susceptibility information of this international card of described international card information server.
In above-mentioned either a program preferably, described method also comprises the steps:
A) described Third-party payment passage is after the payment request processing international card, the object information of the payment of described international card is returned to the described susceptibility classifying module of described electric business's webserver;
If the result b) paid is successfully, then described international card classifies as described Third-party payment passage insensitive by described susceptibility classifying module;
If the result c) paid is unsuccessfully, continue to analyze the failed reason of payment, if failure cause is the refusal to pay of described Third-party payment passage, then described international card classifies as described Third-party payment passage responsive by described susceptibility classifying module; If failure cause is invalid international card number or the invalid amount of money or the situation that Sorry, your ticket has not enough value, can not think described Third-party payment passage responsive.
Preferably, described method also comprises the steps:
If a) described international card is neocaine, then the random number arranged according to described electric business's webserver carries out selecting described Third-party payment passage;
If b) described international card is old card, and, if to show described international card all insensitive for two Third-party payment passages for sensitivity analysis result, then according to the random number rule arranged, will ask at random in corresponding Third-party payment passage.
Preferably, described method also comprises the steps:
If a) described international card is old card, and, if it is responsive that sensitivity analysis result shows described international card, continue concrete analysis whether responsive for described Third-party payment passage, if described international card is responsive for described Third-party payment passage, then the payment request of described international card is submitted to Third-party payment passage process described in another;
If b) described international card is old card, and, if the result of sensitivity analysis shows described international card and does not sort out, whether it does not sort out for described Third-party payment passage to continue concrete analysis, if described international card is not sorted out for described Third-party payment passage, then the payment request of described international card is submitted to Third-party payment passage process described in this.
Preferably, described method also comprises the steps:
If a) described international card has the successful record of payment at two described Third-party payment passages, then described international card payment channel susceptibility is classified as insensitive;
If b) described international card only has Third-party payment passage described in first to pay successful record, described in second, Third-party payment passage is without the successful record of payment, then the payment channel susceptibility of described international card classified as and do not sort out Third-party payment passage described in second;
If c) described international card only has Third-party payment passage described in first to pay successful record, described in second, Third-party payment passage has payment failure record, and failure cause is refusal to pay, then the payment channel susceptibility of this international card classified as Third-party payment passage described in second responsive;
If d) described international card only has Third-party payment passage described in second to pay successful record, described in first, Third-party payment passage is without paying successfully record, then this international card payment channel susceptibility classified as and do not sort out Third-party payment passage described in first;
If e) described international card only has Third-party payment passage described in second to pay successful record, described in first, Third-party payment passage has payment failure record, and failure cause is refusal to pay, then this international card payment channel susceptibility classified as Third-party payment passage described in first responsive.
Because the international card of buyer is paid request by prior art Foreign Trade platform, the random payment channel being submitted to its access processes, and there is the situation that may lead to the failure.Compared with prior art, the buyer that the present invention improves international card payment success ratio and client pays experience, reduces the loss of buyer.
Accompanying drawing explanation
Being convenient to make the present invention understand, describing specific embodiments of the invention by reference to the accompanying drawings now.
Fig. 1 shows a payment step figure of electric business's webserver 200 according to a preferred embodiment of the invention and client 100, Third-party payment passage 400.
Fig. 2 shows the internal logic structure figure of electric business's webserver 200.
Fig. 3 shows the object information of Third-party payment passage by payment and the interactive step of electric business's webserver 200.
Fig. 4 shows the order processing schematic diagram of international card information.
Fig. 5 shows the another order processing schematic diagram of international card information.
The data that Fig. 6 shows the historical trading of the international card in international card information server 300 sort out schematic diagram.
Embodiment
Below in conjunction with accompanying drawing with preferred embodiment the present invention is described in further detail.Corresponding relation in claim in constitutive requirements and embodiment between instantiation can illustration as follows.Here description intention is the instantiation confirming to describe in an embodiment for supporting the theme of stating in the claims, owing to describing example in an embodiment, does not mean that this instantiation does not represent constitutive requirements.On the contrary, even if contain the element characteristic of instantiation as corresponding constitutive requirements at this, do not mean that this instantiation does not represent other constitutive requirements any yet.
In addition, description does not here mean that all themes corresponding to the instantiation of stating in embodiment refer to all in the claims.In other words, this entity is not denied in description here, i.e. the instantiation that comprises of corresponding embodiment, but is not included in its any one claim, that is, can correction afterwards by division and the entity that may invent applied for or increase.
It should be noted that " system " means at this process be made up of two or more equipment.
Apparently, user terminal can be made up of personal computer.In addition, described user terminal can also by such as cell phone, other PDA(personal digital assistant any) instrument, AV(audio frequency and video) the CE(consumer-elcetronics devices of device, such as home electric (household electricity gasification) equipment) etc. form.
" network " means the mechanism being at least connected to two equipment, and wherein, an information can be sent to another equipment from an equipment.The equipment setting up communication via network can be separated from one another, also can be the internal module of a formation machine.
" communication " can represent radio communication and wire communication.But, can also be hybrid wireless and the communicating of wire communication, more specifically, take radio communication at certain section and take the communication of wire communication at another section.Equally, it also can be such communication: be wired from an equipment to the communication of another equipment, and rightabout communication is wireless.
The invention provides the system carrying out managing payment success ratio based on international card payment channel, the method for the managing payment success ratio using this system is also provided simultaneously.The system carrying out managing payment success ratio based on international card payment channel according to the present invention comprises client 100, electricity Shang network company server 200, international card information server 300, some Third-party payment passages 400.Be understandable that, electricity Shang network company server 200 and international card information server 300 physically can for being separated from each other or uniting two into one.
First, client 100 is disposed in buyer, franchised store etc., and can comprise signature pad 101, and described signature pad 101 obtains as electronic signal based on by the signature of international card user, and by described signature display image.Client 100 can also comprise EMV(contact: integrated circuit; Contactless type: rf-mode), card reader (MSR) etc., for payment and the payment processes of international card, so that perform the international payment of any type.
Each international card that described client 100 adopts is assigned with unique number, such as sequence number.Unique number is sent to international card information server 300, can identify this international card by unique number.
In addition, the content that the numerical value of the information of the payment channel of acquisition and payment are analyzed shows by client 100 in real time.Therefore, described client 100 comprises input/output module 110, Communications Processor Module 111, memory module 112, wherein, input/output module 110 successfully pay or when unsuccessfully paying, show information and the payment information of this payment channel to international card user.Described Communications Processor Module 111 is connected to electricity Shang network company server 200 and international card information server 300 via network, cable or wireless local area communication.Described memory module 112 stores all payment informations, such as various data, image or sound.
The network of wire/wireless modulator-demodular unit and such as PSTN or the Internet is used to send the international card payment information paid by client 100 to some Third-party payment passages 400 via electricity Shang network company server 200.
For convenience of explanation and understand, the preferred embodiments of the present invention Zhong electricity business network company server have selected two Third-party payment passage: A and B, for meeting the payment demand of the international card of client 100.But be understandable that, those skilled in the art should widenable to three even more Third-party payment passages 400.
Historical trading data according to international card information server 300 is analyzed, statistics finds that the international card of about 30% can be paid successfully by Third-party payment passage A and Third-party payment channel B, and the international card of about 26% only pays successfully by Third-party payment passage A or Third-party payment channel B.
Based on above-mentioned statistics, whether the international card with unique number from client 100 can pay successfully for foundation according to Third-party payment passage by electricity Shang network company server 200, be divided into four kinds dissimilar, that is: insensitive; Responsive; Do not sort out; Neocaine.And be stored in international card information server 300.
Fig. 1 shows a payment step of electric business's webserver 200 and client 100, Third-party payment passage 400.First, client 100 places an order on electric business's webserver 200, the electricity business webserver 200 generates this sequence information for this client 100, is shown to client, such as inputs the card number of international card, CVV, term of validity information etc. by the input/output module 110 of client 100.Secondly, electric business's webserver 200 receives international card payment information, and client sends to electric business's webserver 200 via the input/output module 100 of client 100 by needing the international card information provided.3rd, electric business's webserver 200 sends payment request information to Third-party payment passage 400, and information and relative payment information etc. by this international card send to Third-party payment passage 400.4th, after waiting for that Third-party payment passage 400 completes the payment request of this international card, the information of payment processes result is returned to electric business's webserver 200, the electricity business webserver 200 receives the information of payment processes result, such as, if this international card pays successfully by Third-party payment passage 400, then electric business's webserver 200 upgrades the order status of client 100 is successfully; If this international card pays failure by Third-party payment passage 400, then electric business's webserver 200 upgrades the order status of client 100 for pay unsuccessfully.
Fig. 2 shows the internal logic structure of electric business's webserver 200.First, after electric business's webserver 200 receives the order from client 100, order module generates the relevant information of this order.Then, this sequence information is submitted to new and old card judge module, new and old card judge module communicates with international card information server 300, be used for judging whether this international card with unique number is the neocaine of not concluded the business, if this international card is the neocaine of not concluded the business, then international card information server 300 carries out warehouse-in process to this international card, preferably, the information of this neocaine is set up in the international card information database taking unique number as major key, the IP of such as relevant client 100, LAN (Local Area Network) geography information, international card classification, the term of validity etc., and the sensitivity type of this international card is labeled as neocaine.Secondly, in susceptibility classifying module, carry out susceptibility classification and identification, susceptibility classifying module communicates with international card information server 300, for obtaining the susceptibility information of this international card.Finally, the susceptibility information of acquisition is sent to payment channel routing module by susceptibility classifying module, payment channel routing module selects corresponding Third-party payment passage to pay according to the reality obtained from the susceptibility information of this international card of international card information server 300, such as, if the susceptibility with the international card of unique number that should provide from client 100 is insensitive, mean that this international card has the record of Transaction Success in Third-party payment passage A and Third-party payment channel B, then payment channel routing module can select one in both Third-party payment passage A or Third-party payment channel B to carry out payment processes, if the susceptibility of this international card is responsive to Third-party payment channel B, according to above-mentioned susceptibility form display, then payment channel routing module can only select Third-party payment passage A to pay, if the susceptibility of this international card is responsive to Third-party payment passage A, according to above-mentioned susceptibility form display, then payment channel routing module can only select Third-party payment channel B to pay, if the susceptibility of this international card is not for sort out, wherein, if sorted out Third-party payment passage A, then payment channel routing module selects Third-party payment passage A to pay, if sorted out Third-party payment channel B, then payment channel routing module selects Third-party payment channel B to pay, if the susceptibility of this international card is neocaine, then payment channel routing module can select arbitrary Third-party payment passage to pay.
Fig. 3 shows the object information of Third-party payment passage by payment and the interactive step of electric business's webserver 200.Third-party payment passage is after the payment request processing international card, the object information of the payment of this international card is returned to the susceptibility classifying module of electric business's webserver 200, if the result paid is successfully, then this international card classifies as this Third-party payment passage insensitive by susceptibility classifying module, simultaneously, relevant information is sent to international card information server 300, if the result paid is unsuccessfully, continue to analyze and pay failed reason, if failure cause is the refusal to pay of this Third-party payment passage, then this international card classifies as this Third-party payment passage responsive by susceptibility classifying module, but, for invalid international card number, the invalid amount of money, the situations such as Sorry, your ticket has not enough value, this information is needed to return to client via the input/output terminal 110 of client 100, can not think this Third-party payment passage responsive.
Fig. 4 shows the order processing schematic diagram of international card information.For electric business's webserver 200 and international card information server 300, the judgment rule of international card neocaine and old card, wherein, neocaine referred to this international card with unique number before the current transaction of electric business's webserver 200 not about the information that susceptibility is sorted out.If this international card is neocaine, then according to the random number rule that electric business's webserver 200 is arranged, exemplarily, in the scope of random number 1-30, the payment request of neocaine is sent in Third-party payment passage A; In the scope of random number 31-100, the payment request of neocaine is sent in Third-party payment channel B.Correspondingly, old card refers to that this international card had the information sorted out about susceptibility before the current transaction of electric business's webserver 200.If sensitivity analysis result show this international card for Third-party payment passage A and Third-party payment channel B all insensitive, then similarly, according to the random number rule arranged, to ask to arrive corresponding payment channel A or payment channel B at random, exemplarily, in the scope of random number 1-50, the payment request of neocaine is sent in Third-party payment passage A; In the scope of random number 51-100, the payment request of neocaine is sent in Third-party payment channel B.
Fig. 5 shows the another order processing schematic diagram of international card information.For electric business's webserver 200 and international card information server 300, the judgment rule of international card neocaine and old card, wherein, neocaine referred to this international card with unique number before the current transaction of electric business's webserver 200 not about the information that susceptibility is sorted out.Old card refers to that this international card had the information sorted out about susceptibility before the current transaction of electric business's webserver 200.If it is responsive that sensitivity analysis result shows this international card, make a concrete analysis of it for Third-party payment passage A or Third-party payment channel B sensitivity, if this international card is responsive for Third-party payment passage A, then the payment request of this international card is submitted to the process of Third-party payment channel B; If this international card is responsive for Third-party payment channel B, then the payment request of this international card is submitted to Third-party payment passage A process.If the result of sensitivity analysis shows this international card and does not sort out, make a concrete analysis of it Third-party payment passage A or Third-party payment channel B are not sorted out, if this international card is sorted out for Third-party payment passage A, then the payment request of this international card is submitted to Third-party payment passage A process; If this international card is sorted out for Third-party payment channel B, then the payment request of this international card is submitted to the process of Third-party payment channel B.
The data that Fig. 6 shows the international card historical trading in international card information server 300 sort out schematic diagram.As shown in the figure, if this international card has at Third-party payment passage A and Third-party payment channel B pay successful record, then this international card payment channel susceptibility is classified as insensitive; If this international card only has pay successful record at Third-party payment passage A, in Third-party payment channel B without the successful record of payment, then the payment channel susceptibility of this international card is classified as and payment channel B is not sorted out; If this international card only has pay successful record at Third-party payment passage A, have payment failure record in Third-party payment channel B, and failure cause is refusal to pay, then the payment channel susceptibility of this international card classified as Third-party payment channel B responsive; If this international card only has pay successful record in Third-party payment channel B, at Third-party payment passage A without paying successfully record, then this international card payment channel susceptibility is classified as and Third-party payment passage A is not sorted out; If this international card only has pay successful record in Third-party payment channel B, have payment failure record at Third-party payment passage A, and failure cause is refusal to pay, then this international card payment channel susceptibility classified as Third-party payment passage A responsive;
Foregoing detailed description illustrates the various embodiments of system and/or process by embodiment and/or schematic diagram.With regard to these schematic diagram and/or comprise with regard to one or more function and/or operation, it will be understood by those skilled in the art that each function in these schematic diagram or embodiment and/or operation can by various hardware, software, firmware or in fact its combination in any come to realize individually and/or jointly.
Should be appreciated that, method described herein can combined with hardware or software, or the combination both combining in due course realizes.Therefore, method of the present invention, can adopt program code in tangible mediums such as being included in such as floppy disk, CD-ROM, hard disk drive or any other machinable medium (namely, instruction) form, wherein, when program code performs on programmable computers, computing equipment generally includes processor, this processor readable storage medium (comprising volatile memory and/or memory element), at least one input equipment and at least one output device.One or more program can such as, and by using API, reusable control etc. realize or utilize the process described in conjunction with the present invention.Such program preferably realizes with high level procedural or Object-Oriented Programming Language, to communicate with computer system.But if needed, this program can realize by assembly language or machine language.In any case, language can be compiler language or interpretative code, and combines with hardware implementing.
It should be noted that, the system carrying out managing payment success ratio based on international card payment channel of the present invention and the combination in any using the category of the scheme of the method for the managing payment success ratio of this system to include but not limited between each part mentioned above.
Although illustrate and describe the present invention with reference to its preferred embodiment particularly, those skilled in the art will appreciate that the various change that can make in form and details and do not depart from the scope of the present invention described in appended claims.More than be described in detail in conjunction with specific embodiments of the invention, but be not limitation of the present invention.Every according to technical spirit of the present invention to any simple modification made for any of the above embodiments, all still belong to the scope of technical solution of the present invention.
Claims (10)
1. carry out a system for managing payment success ratio based on international card payment channel, described system comprises client, electricity Shang network company server, international card information server, some Third-party payment passages, it is characterized in that,
Described client and described electricity Shang network company server intercom mutually;
Described electricity Shang network company server intercoms mutually with described international card information server;
Described electricity Shang network company server intercoms mutually with described some Third-party payment passages;
Described international card information server intercoms mutually with described some Third-party payment passages.
2. the system carrying out managing payment success ratio based on international card payment channel as claimed in claim 1, it is characterized in that, described client comprises signature pad, and described signature pad is used for the user of international card electronic signature to be retrieved as electronic signal.
3. the system carrying out managing payment success ratio based on international card payment channel as claimed in claim 1, it is characterized in that, described client comprises input/output module, Communications Processor Module, memory module.
4. the system carrying out managing payment success ratio based on international card payment channel as claimed in claim 1, it is characterized in that, described electric business's webserver comprises order module, new and old card judge module, susceptibility classifying module, payment channel routing module.
5. adopt the method carrying out the managing payment success ratio of the system of managing payment success ratio based on international card payment channel as claimed in claim 4, described method comprises the steps:
Described client places an order on described electric business's webserver, and described electric business's webserver is that described client generates sequence information;
Described electric business's webserver receives international card payment information;
Described electric business's webserver sends payment request information to described Third-party payment passage;
After waiting for that described Third-party payment passage completes the payment request of described international card, the information of payment processes result is returned to described electric business's webserver by described Third-party payment passage, and described electric business's webserver receives the information of payment processes result.
6. adopt the as claimed in claim 5 method carrying out the managing payment success ratio of the system of managing payment success ratio based on international card payment channel, it is characterized in that, the step b of described method) in also comprise the steps:
After described electric business's webserver receives the order from described client, described order module generates the relevant information of this order;
Described sequence information is submitted to described new and old card judge module by described order module, and described new and old card judge module communicates with described international card information server, for judging whether described international card is the neocaine of not concluded the business;
In described susceptibility classifying module, carry out susceptibility classification and identification, described susceptibility classifying module communicates with described international card information server, for obtaining the susceptibility information of described international card;
The susceptibility information of acquisition is sent to described payment channel routing module by described susceptibility classifying module, and described payment channel routing module selects corresponding described Third-party payment passage to pay according to the reality obtained from the susceptibility information of this international card of described international card information server.
7. adopt the as claimed in claim 5 method carrying out the managing payment success ratio of the system of managing payment success ratio based on international card payment channel, it is characterized in that, the steps d of described method) in also comprise the steps:
The object information of the payment of described international card, after the payment request processing international card, is returned to the described susceptibility classifying module of described electric business's webserver by described Third-party payment passage;
If the result paid is successfully, then described international card classifies as described Third-party payment passage insensitive by described susceptibility classifying module;
If the result paid is unsuccessfully, continue to analyze the failed reason of payment, if failure cause is the refusal to pay of described Third-party payment passage, then described international card classifies as described Third-party payment passage responsive by described susceptibility classifying module; If failure cause is invalid international card number or the invalid amount of money or the situation that Sorry, your ticket has not enough value, can not think described Third-party payment passage responsive.
8. adopt the method carrying out the managing payment success ratio of the system of managing payment success ratio based on international card payment channel as claimed in claim 7, it is characterized in that, described method also comprises the steps:
If described international card is neocaine, then the random number arranged according to described electric business's webserver carries out selecting described Third-party payment passage;
If described international card is old card, and, if to show described international card all insensitive for two Third-party payment passages for sensitivity analysis result, then according to the random number rule arranged, will ask at random in corresponding Third-party payment passage.
9. adopt the method carrying out the managing payment success ratio of the system of managing payment success ratio based on international card payment channel as claimed in claim 7, it is characterized in that, described method also comprises the steps:
If described international card is old card, and, if it is responsive that sensitivity analysis result shows described international card, continue concrete analysis whether responsive for described Third-party payment passage, if described international card is responsive for described Third-party payment passage, then the payment request of described international card is submitted to Third-party payment passage process described in another;
If described international card is old card, and, if the result of sensitivity analysis shows described international card and does not sort out, whether it does not sort out for described Third-party payment passage to continue concrete analysis, if described international card is not sorted out for described Third-party payment passage, then the payment request of described international card is submitted to Third-party payment passage process described in this.
10. adopt the method carrying out the managing payment success ratio of the system of managing payment success ratio based on international card payment channel as claimed in claim 7, it is characterized in that, described method also comprises the steps:
If described international card has at two described Third-party payment passages pay successful record, then described international card payment channel susceptibility is classified as insensitive;
If described international card only has Third-party payment passage described in first to pay successful record, described in second, Third-party payment passage is without the successful record of payment, then the payment channel susceptibility of described international card classified as and do not sort out Third-party payment passage described in second;
If described international card only has Third-party payment passage described in first to pay successful record, described in second, Third-party payment passage has payment failure record, and failure cause is refusal to pay, then the payment channel susceptibility of this international card classified as Third-party payment passage described in second responsive;
If described international card only has Third-party payment passage described in second to pay successful record, described in first, Third-party payment passage is without paying successfully record, then this international card payment channel susceptibility classified as and do not sort out Third-party payment passage described in first;
If described international card only has Third-party payment passage described in second to pay successful record, described in first, Third-party payment passage has payment failure record, and failure cause is refusal to pay, then this international card payment channel susceptibility classified as Third-party payment passage described in first responsive.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310355233.9A CN104376452B (en) | 2013-08-15 | 2013-08-15 | System and method based on international card payment channel managing payment success rate |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310355233.9A CN104376452B (en) | 2013-08-15 | 2013-08-15 | System and method based on international card payment channel managing payment success rate |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104376452A true CN104376452A (en) | 2015-02-25 |
| CN104376452B CN104376452B (en) | 2018-05-15 |
Family
ID=52555345
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310355233.9A Active CN104376452B (en) | 2013-08-15 | 2013-08-15 | System and method based on international card payment channel managing payment success rate |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104376452B (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016165543A1 (en) * | 2015-04-15 | 2016-10-20 | 阿里巴巴集团控股有限公司 | Data processing method and platform |
| CN106096960A (en) * | 2016-06-07 | 2016-11-09 | 上海携程商务有限公司 | The method and apparatus of the outside payment system of monitoring and method of payment and system |
| CN106372893A (en) * | 2016-08-26 | 2017-02-01 | 维沃移动通信有限公司 | Code scanning interface switching method and apparatus |
| CN106600249A (en) * | 2016-12-22 | 2017-04-26 | 世纪禾光科技发展（北京）有限公司 | Dishonor rate control method and device |
| CN107103462A (en) * | 2017-04-14 | 2017-08-29 | 中国工商银行股份有限公司 | A kind for the treatment of method and apparatus of the cross-border remittance snapshot data of bank |
| CN107368350A (en) * | 2017-07-13 | 2017-11-21 | 上海携程商务有限公司 | Cluster management method, system, storage medium and the electronic equipment of virtual payment machine |
| CN109345249A (en) * | 2018-08-02 | 2019-02-15 | 阿里巴巴集团控股有限公司 | A kind of payment failure processing method and device |
| CN110136003A (en) * | 2019-03-27 | 2019-08-16 | 阿里巴巴集团控股有限公司 | Project payment processing method, device and system |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101071490A (en) * | 2007-03-23 | 2007-11-14 | 田小平 | Member name and bank card binding electronic business system and method |
| CN102243740A (en) * | 2011-08-02 | 2011-11-16 | 马平 | Electronic payment method |
| CN102646238A (en) * | 2011-02-16 | 2012-08-22 | 苏州同程旅游网络科技有限公司 | Internet-based payment channel integrating method |
-
2013
- 2013-08-15 CN CN201310355233.9A patent/CN104376452B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101071490A (en) * | 2007-03-23 | 2007-11-14 | 田小平 | Member name and bank card binding electronic business system and method |
| CN102646238A (en) * | 2011-02-16 | 2012-08-22 | 苏州同程旅游网络科技有限公司 | Internet-based payment channel integrating method |
| CN102243740A (en) * | 2011-08-02 | 2011-11-16 | 马平 | Electronic payment method |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016165543A1 (en) * | 2015-04-15 | 2016-10-20 | 阿里巴巴集团控股有限公司 | Data processing method and platform |
| CN106096960A (en) * | 2016-06-07 | 2016-11-09 | 上海携程商务有限公司 | The method and apparatus of the outside payment system of monitoring and method of payment and system |
| CN106372893A (en) * | 2016-08-26 | 2017-02-01 | 维沃移动通信有限公司 | Code scanning interface switching method and apparatus |
| CN106372893B (en) * | 2016-08-26 | 2020-06-30 | 维沃移动通信有限公司 | A kind of scanning code interface switching method and device |
| CN106600249A (en) * | 2016-12-22 | 2017-04-26 | 世纪禾光科技发展（北京）有限公司 | Dishonor rate control method and device |
| CN107103462A (en) * | 2017-04-14 | 2017-08-29 | 中国工商银行股份有限公司 | A kind for the treatment of method and apparatus of the cross-border remittance snapshot data of bank |
| CN107368350A (en) * | 2017-07-13 | 2017-11-21 | 上海携程商务有限公司 | Cluster management method, system, storage medium and the electronic equipment of virtual payment machine |
| CN107368350B (en) * | 2017-07-13 | 2020-04-21 | 上海携程商务有限公司 | Cluster management method, system, storage medium and electronic device for virtual payment machine |
| CN109345249A (en) * | 2018-08-02 | 2019-02-15 | 阿里巴巴集团控股有限公司 | A kind of payment failure processing method and device |
| CN109345249B (en) * | 2018-08-02 | 2021-07-20 | 创新先进技术有限公司 | A kind of payment failure processing method and device |
| CN110136003A (en) * | 2019-03-27 | 2019-08-16 | 阿里巴巴集团控股有限公司 | Project payment processing method, device and system |
| CN110136003B (en) * | 2019-03-27 | 2023-06-06 | 创新先进技术有限公司 | Project payment processing method, device and system |
Also Published As
| Publication number | Publication date |
|---|---|
| CN104376452B (en) | 2018-05-15 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11961057B2 (en) | Method for paying cost of IoT device based on blockchain and merkle tree structure related thereto, and server, service providing terminal, and digital wallet using the same | |
| US20220245641A1 (en) | Intelligent recurring transaction processing and fraud detection | |
| US11004044B2 (en) | Method for paying cost of IoT device based on blockchain, and server, service providing device, and digital wallet using the same | |
| US10762512B2 (en) | System and method for transaction learning | |
| CN104376452A (en) | System and method for managing payment success rate on basis of international card payment channel | |
| US20180053189A1 (en) | Systems and methods for enhanced authorization response | |
| CA2788467C (en) | Electronic payment processing method and system with smart/authenticate fields and definitions | |
| US20250005587A1 (en) | Systems and methods for using machine learning to predict events associated with transactions | |
| AU2015347054B2 (en) | Providing online cardholder authentication services on-behalf-of issuers | |
| US10217178B2 (en) | Customer identity verification | |
| US20180047021A1 (en) | System and method for token-based transactions | |
| CN114881739B (en) | Order event processing method and device, electronic device and storage medium | |
| KR20190108666A (en) | Apparatus and method for automated deposit and withdrawal of funds for cryptocurrency transactions and computer program for the same | |
| CN111899111A (en) | Capital matching method, device, server and storage medium | |
| KR102671759B1 (en) | System for estimating safety of real estate transaction and method thereof | |
| CN110909376B (en) | Paid user management method, device and system | |
| US20240070677A1 (en) | Aggregated transaction accounts | |
| CN113496395A (en) | Payment method and system | |
| WO2020234864A1 (en) | System and method for transferring an anonymized transaction between nodes of a computer network | |
| CN118569968A (en) | Intelligent repayment method and device, electronic equipment and storage medium | |
| CN117813619A (en) | Device identification using identification identifier | |
| WO2025207591A1 (en) | Flexible transaction processing | |
| CN116011772A (en) | A service processing method, device, electronic device and storage medium | |
| CN116957606A (en) | Fraud user identification method and system | |
| CN119624539A (en) | Order processing method, device, equipment, medium and program product |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| TR01 | Transfer of patent right |
Effective date of registration: 20180730 Address after: 100080 1-701-1 seven, level 28, Cheng Fu Road, Haidian District, Beijing. Patentee after: Digital Trade Technology (Beijing) Co., Ltd. Address before: 100083 Beijing Haidian District Huayuan Road 3-2, 6 floor of Dimon building. Patentee before: Century Light Technology Development (Beijing) Co., Ltd. |
|
| TR01 | Transfer of patent right |