CN104376452B - System and method based on international card payment channel managing payment success rate - Google Patents
System and method based on international card payment channel managing payment success rate Download PDFInfo
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- CN104376452B CN104376452B CN201310355233.9A CN201310355233A CN104376452B CN 104376452 B CN104376452 B CN 104376452B CN 201310355233 A CN201310355233 A CN 201310355233A CN 104376452 B CN104376452 B CN 104376452B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
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- General Physics & Mathematics (AREA)
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Abstract
The present invention provide it is a kind of based on international card payment channel come the system of managing payment success rate, while also provide using the system managing payment success rate method.The present invention is sorted out by the result and failure cause that are paid to buyer's credit card in payment channel, successful for that can not be paid by a payment channel, submits another passage to be paid, success rate is paid to achieve the purpose that to improve.
Description
Technical field
The present invention relates to international card payment technical field, is managed more specifically to one kind based on international card payment channel
The system for paying success rate, while the method that the managing payment success rate using the system is also provided.
Background technology
Using international card when electric business website buys commodity, the payment request of buyer can be randomly assigned buyer by electric business platform
Payment channel to its access submits payment, and the international card that payment channel can use buyer is according to corresponding air control rule school
Test, submit to international card tissue if verifying and passing through and credit card issuer is handled.After mandate passes through, electric business platform confirms buyer
Pay successfully, and notify seller to deliver.
Since international card is there are a large amount of risk of fraud, so each payment channel has a set of independent risk rule of oneself
Then, thus there are same credit card of buyer can pay success in a payment channel, in another passage but
It can not succeed.
The present invention is sorted out by the result and failure cause that are paid to buyer's credit card in payment channel, for can not
Paid successfully by a payment channel, submit another passage to be paid, the mesh for paying success rate is improved to reach
's.
The prior art buyer using international card submit purchase request after, foreign trade platform by 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.）Processing.In single purchase behavior, the credit card of buyer can be submitted some PayPal at random in this link
Road is handled, and possibly success can not be paid actually by the credit card of this passage buyer, and the actually credit of buyer
Being stuck in other payment channels had the record of Successful Transaction.Due to submitting at random, so in the presence of causing buyer not pay
Success, the problem of objectively reducing payment success rate, cause buyer to be lost in.
The content of the invention
The present invention provide it is a kind of based on international card payment channel come the system of managing payment success rate, while also provide use
The method of the managing payment success rate of the system.
The present invention provide it is a kind of based on international card payment channel come the system of managing payment success rate, it is characterised in that institute
Stating system includes client, electric business network company server, international card information server, some Third-party payment passages, wherein,
The client is in communication with each other with the electric business network company server；The electric business network company server and the international card
Information server is in communication with each other；The electric business network company server is in communication with each other with some Third-party payment passages；Institute
International card information server is stated to be in communication with each other with some Third-party payment passages.
Preferably, the client includes signature pad, and the signature pad is used to obtain user's electronic signature of international card
It is taken as electronic signal.
In any of the above-described scheme preferably, the client includes input/output module, Communications Processor Module, deposits
Memory modules.
In any of the above-described scheme preferably, the electric business webserver includes order module, new and old card judges mould
Block, susceptibility classifying module, payment channel routing module.
The present invention also provides a kind of managing payment based on system of the international card payment channel come managing payment success rate into
The method of power, described method includes following steps：
a）The client places an order on the electric business webserver, and the electric business webserver is the client
End generation sequence information；
b）The electric business webserver receives international card payment information；
c）The electric business webserver sends payment request information to the Third-party payment passage；
d）After waiting the Third-party payment passage to complete the payment request of the international card, the Third-party payment passage
The information of payment processes result is returned into the electric business webserver, the electric business webserver receives payment processes knot
The information of fruit.
Preferably, following steps are further included in the step b) of the above method：
A) after the electric business webserver receives the order from the client, the order module generates the order
Relevant information；
B) sequence information is submitted to the new and old card judging module by the order module, and the new and old card judges mould
Block communicates with the international card information server, for judging whether the international card is the neocaine do not merchandised；
C) carry out susceptibility classification and identification in the susceptibility classifying module, the susceptibility classifying module with it is described
International card information server communicates, for obtaining the sensitivity information of the international card；
D) sensitivity information of acquisition is sent to the payment channel routing module by the susceptibility classifying module, described
Payment channel routing module is according to the sensitivity information of the international card actually from the international card information server of acquisition
The corresponding Third-party payment passage of selection is paid.
In any of the above-described scheme preferably, the method further includes following steps：
A) the Third-party payment passage is after the payment request of international card has been handled, by the knot of the payment of the international card
Fruit information returns to the susceptibility classifying module of the electric business webserver；
B) if the result paid is that successfully, the international card is classified as described by the susceptibility classifying module
Third-party payment passage is insensitive；
If c) result paid is failure, continue the reason for analysis pays failure, if failure cause is the described 3rd
Square payment channel refusal to pay, then the international card is classified as by the susceptibility classifying module leads to for the Third-party payment
Road is sensitive；The situation that if failure cause is invalid international card number or the invalid amount of money or Sorry, your ticket has not enough value, it is impossible to be considered to institute
State Third-party payment passage sensitivity.
Preferably, the method further includes following steps：
If a) international card is neocaine, institute is made choice according to the random number that the electric business webserver is set
State Third-party payment passage；
If b) international card is old card, also, if international card is for two described in sensitivity analysis the results show
Third-party payment passage is insensitive, then according to the random number of setting rule, request is arrived corresponding Third-party payment at random and is led to
In road.
Preferably, the method further includes following steps：
If a) international card is old card, also, if international card described in sensitivity analysis the results show is sensitive, is continued
Whether concrete analysis is sensitive for the Third-party payment passage, if the international card is quick for the Third-party payment passage
Sense, then be submitted to another Third-party payment passage by the payment request of the international card and handle；
If b) international card is old card, also, if international card is not sorted out described in the results show of sensitivity analysis,
Continue to make a concrete analysis of whether it does not sort out for the Third-party payment passage, if the international card is for third party's branch
Pay passage not sort out, then the payment request of the international card is submitted to the Third-party payment passage is handled.
Preferably, the method further includes following steps：
If a) international card has payment successfully record in two Third-party payment passages, by the state
Border card payment channel sensitiveness is classified as insensitive；
If b) international card only pays successfully record in the first Third-party payment passage, described in second
The payment channel sensitiveness of the international card is then classified as to described in second by Third-party payment passage without successfully record is paid
Third-party payment passage is not sorted out；
If c) international card only pays successfully record in the first Third-party payment passage, described in second
Third-party payment passage has payment failure record, and failure cause is refusal to pay, then the payment channel of the international card is sensitive
Property be classified as it is sensitive to the second Third-party payment passage；
If d) international card only pays successfully record in the second Third-party payment passage, described in first
Third-party payment passage is successfully recorded without paying, then the international card payment channel sensitiveness is classified as to the first third party
Payment channel is not sorted out；
If e) international card only pays successfully record in the second Third-party payment passage, described in first
Third-party payment passage has payment failure record, and failure cause is refusal to pay, then by the international card payment channel sensitiveness
It is classified as sensitive to the first Third-party payment passage.
Since foreign trade platform in the prior art is by the international card payment request of buyer, the random payment for being submitted to its access
Passage is handled, and there is a situation where that possibility leads to the failure.Compared with prior art, the present invention improves international card and pays success rate
Experience is paid with the buyer of client, reduces the loss of buyer.
Brief description of the drawings
In order to readily appreciate the present invention, presently in connection with the specific embodiment of the attached drawing description present invention.
Fig. 1 shows the electric business webserver 200 and client the 100, the 3rd according to a preferred embodiment of the invention
One payment step figure of square payment channel 400.
Fig. 2 shows the internal logic structure figure of the electric business webserver 200.
Fig. 3 shows Third-party payment passage by the interactive step of the result information of payment and the electric business 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.
Fig. 6 shows that the data of the historical trading of the international card in international card information server 300 sort out schematic diagram.
Embodiment
The present invention is described in further detail with preferred embodiment below in conjunction with the accompanying drawings.Formed in claim
Correspondence in important document and embodiment between instantiation can be exemplified below.Here description is intended to confirm implementing
The instantiation of the theme for supporting to state in the claims is described in example, due to describing example in embodiment,
Do not mean that the instantiation does not indicate that constitutive requirements.On the contrary, even if instantiation is contained herein as a corresponding structure
Into the element characteristic of important document, do not mean that the instantiation does not indicate that any other constitutive requirements yet.
In addition, description here does not mean that all themes corresponding to the instantiation stated in embodiment all in right
It refer in it is required that.In other words, this entity is not denied in description here, that is, corresponds to the instantiation that embodiment includes, but
It is not included in its any one claim, i.e. amendment that can be afterwards is by division and applies or increased may invent
Entity.
It should be noted that " system " here means that the processing being made of two or more equipment.
It should be evident that user terminal can be made of personal computer.In addition, the user terminal can also be by for example
Cell phone, any other PDA（Personal digital assistant）Instrument, AV（Audio frequency and video）Device, such as home electric（Household electricity
Gasification）The CE of equipment（Consumer-elcetronics devices）Deng composition.
" network " means to be at least connected with the mechanism of two equipment, and wherein, an information can be set from one
Preparation is sent to another equipment.Via network establish communication equipment can be separated from each other or form a machine
The internal module of device.
" communication " can represent wireless communication and wire communication.However, it is also possible to be the communication of hybrid wireless and wire communication,
More specifically, take wireless communication in some section and take the communication of wire communication in another section.Equally, it can also
It is such communication：Communication from from an equipment to another equipment is wired, and the communication of opposite direction is wireless.
The present invention is provided based on international card payment channel come the system of managing payment success rate, while is also provided and be using this
The method of the managing payment success rate of system.According to the present invention based on international card payment channel come the system of managing payment success rate
Including client 100, electric business network company server 200, international card information server 300, some Third-party payment passages
400.It is understood that electric business network company server 200 and international card information server 300 can be physically mutual
Separate or be combined into one.
First, client 100 is disposed in buyer, franchised store etc., and can include signature pad 101, the label
Name pad 101 is electronic signal based on the signature of international card user is obtained, and the signature is shown image.Client 100
It can also include EMV（Contact：Integrated circuit；Contactless type：Rf-mode）, card reader (MSR) etc., the branch for international card
Pay and payment processes, in order to perform any kind of international payment.
Each international card that the client 100 uses is allocated unique number, such as sequence number.Unique number is sent to state
Border card information server 300, so as to identify the international card by unique number.
In addition, client 100 is by the numerical value of the information of the payment channel of acquisition and pays the content progress of analysis in real time
Display.Therefore, the client 100 include input/output module 110, Communications Processor Module 111, memory module 112, its
In, input/output module 110 shows the information of the payment channel to international card user when successfully paying or unsuccessfully paying
And payment information.The Communications Processor Module 111 is connected to electric business network public affairs via network, cable or wireless local area communication
Take charge of server 200 and international card information server 300.The memory module 112 stores all payment informations, such as various numbers
According to, image or sound.
Taken using the network of wire/wireless modem and such as PSTN or internet via electric business network company
Business device 200 sends the international card payment information paid by client 100 to some Third-party payment passages 400.
For ease illustration and understanding, electric business network company server have selected two in the preferred embodiment of the present invention
Tripartite's payment channel：A and B, the payment demand of the international card for meeting client 100.But it is understood that this area
Technical staff should be widenable to three even more Third-party payment passages 400.
Analyzed according to the historical trading data of international card information server 300, statistics finds about 30% international card
Success can be paid by Third-party payment passage A and Third-party payment passage B, about 26% international card is only capable of by the 3rd
Square payment channel A or Third-party payment passage B is paid successfully.
Based on above-mentioned statistical result, electric business network company server 200 is by the unique number that has from client 100
International card is successfully foundation according to whether Third-party payment passage can pay, and is divided into four kinds of different types, i.e.,：It is insensitive；It is quick
Sense；Do not sort out；Neocaine.And it is stored in international card information server 300.
Fig. 1 shows the electric business webserver 200 and client 100, a payment step of Third-party payment passage 400
Suddenly.First, client 100 places an order on the electric business webserver 200, and the electric business webserver 200 is given birth to for the client 100
Into the sequence information, client is shown to by the input/output module 110 of client 100, such as input international card card number,
CVV, term of validity information etc..Secondly, the electric business webserver 200 receives international card payment information, and client is via client 100
The international card information for needing to provide is sent to the electric business webserver 200 by input/output module 100.3rd, electric business network clothes
Be engaged in device 200 to Third-party payment passage 400 send payment request information, will the international card information and relative payment
Information etc. is sent to Third-party payment passage 400.4th, wait the payment that Third-party payment passage 400 completes the international card to ask
After asking, the information of payment processes result is returned into the electric business webserver 200, the electric business webserver 200 is received at payment
The information of result is managed, if for example, the international card is paid successfully by Third-party payment passage 400, the electric business webserver
The order status of 200 renewal clients 100 is successfully；Fail if the international card is paid by Third-party payment passage 400,
The order status that the electric business webserver 200 updates client 100 fails to pay.
Fig. 2 shows the internal logic structure of the electric business webserver 200.First, received in the electric business webserver 200
After order from client 100, order module generates the relevant information of the order.Then, which is submitted to newly
Old card judgment module, new and old card judging module communicate with international card information server 300, for judging that this has unique compile
Number international card whether be the neocaine do not merchandised, if the international card is the neocaine do not merchandised, international card information
Server 300 carries out storage processing to the international card, it is preferred that in the international card information database using unique number as major key
The middle information for establishing the neocaine, such as the IP of relevant client 100, LAN geography information, international card classification, the term of validity
Deng, and the sensitivity type of the international card is labeled as neocaine.Secondly, in susceptibility classifying module carry out susceptibility sort out and
Identification, susceptibility classifying module communicate with international card information server 300, and the susceptibility for obtaining the international card is believed
Breath.Finally, the sensitivity information of acquisition is sent to payment channel routing module, payment channel route mould by susceptibility classifying module
Root tuber selects corresponding third party according to the sensitivity information of the international card actually from international card information server 300 of acquisition
Payment channel is paid, if for example, the susceptibility for the international card with unique number that should be provided from client 100 is
It is insensitive, it is meant that the international card has transaction successfully record in Third-party payment passage A and Third-party payment passage B, then
Payment channel routing module can select one in both Third-party payment passage A or Third-party payment passage B to be propped up
Pay processing；If the susceptibility of the international card is sensitive to Third-party payment passage B, shown according to above-mentioned susceptibility form, then
Payment channel routing module can only select Third-party payment passage A to pay；If the susceptibility of the international card is to third party's branch
It is sensitive to pay passage A, is shown according to above-mentioned susceptibility form, then payment channel routing module can only select Third-party payment passage B
Pay；If the susceptibility of the international card is not sort out, wherein, if sorted out to Third-party payment passage A, PayPal road
Paid by module selection Third-party payment passage A, if sorted out to Third-party payment passage B, the choosing of payment channel routing module
Select Third-party payment passage B payments；If the susceptibility of the international card is neocaine, payment channel routing module can select to appoint
One Third-party payment passage is paid.
Fig. 3 shows Third-party payment passage by the interactive step of the result information of payment and the electric business webserver 200.
Third-party payment passage returns to electric business after the payment request of international card has been handled, by the result information of the payment of the international card
The susceptibility classifying module of the webserver 200, if the result paid is successfully, susceptibility classifying module is by the international card
Be classified as it is insensitive for the Third-party payment passage, meanwhile, send relevant information to international card information server 300, such as
The result that fruit pays is failure, continues the reason for analysis pays failure, if failure cause is refused for the Third-party payment passage
Pay, then the international card is classified as sensitive for the Third-party payment passage by susceptibility classifying module, still, for invalid
International card number, the invalid amount of money, situations such as Sorry, your ticket has not enough value, are, it is necessary to which the information is returned via the input/output terminal 110 of client 100
Back to client, it is impossible to be considered sensitive to the Third-party payment passage.
Fig. 4 shows the order processing schematic diagram of international card information.For the electric business webserver 200 and international card information
For server 300, the judgment rule of international card neocaine and old card, wherein, neocaine refers to the international card with unique number
The information do not sorted out before the current transaction of the electric business webserver 200 on sensitiveness.If the international card is neocaine,
The random number rule then set according to the electric business webserver 200, exemplarily, in the range of random number 1-30, by neocaine
Payment request be sent in Third-party payment passage A；In the range of random number 31-100, the payment request of neocaine is sent
Into Third-party payment passage B.Correspondingly, old card refers to the international card before the current transaction of the electric business webserver 200
It is related to the information of sensitiveness classification.If the sensitivity analysis the results show international card is for Third-party payment passage A and
Tripartite's payment channel B is insensitive, then similarly, according to the random number of setting rule, request is arrived corresponding PayPal at random
Road A or payment channel B, exemplarily, in the range of random number 1-50, third party's branch is sent to by the payment request of neocaine
Pay in passage A；In the range of random number 51-100, the payment request of neocaine is sent in Third-party payment passage B.
Fig. 5 shows the another order processing schematic diagram of international card information.For the electric business webserver 200 and international card
For information server 300, the judgment rule of international card neocaine and old card, wherein, neocaine refers to the state with unique number
Border is stuck in the information do not sorted out before the current transaction of the electric business webserver 200 on sensitiveness.Old card refers to the world
The information of sensitiveness classification is related to before being stuck in the current transaction of the electric business webserver 200.If sensitivity analysis result
Show international card sensitivity, it is made a concrete analysis of for Third-party payment passage A or Third-party payment passage B sensitivities, if the state
Border card is sensitive for Third-party payment passage A, then the payment request of the international card is submitted to Third-party payment passage B processing；
If the international card is sensitive for Third-party payment passage B, the payment request of the international card is submitted to Third-party payment and is led to
Road A processing.If the results show of the sensitivity analysis international card is not sorted out, it is made a concrete analysis of for Third-party payment passage A
Or Third-party payment passage B does not sort out, if the international card is sorted out for Third-party payment passage A, by the branch of the international card
Pay request and be submitted to Third-party payment passage A processing；If the international card is sorted out for Third-party payment passage B, by the state
The payment request of border card is submitted to Third-party payment passage B processing.
Fig. 6 shows that the data of the international card historical trading in international card information server 300 sort out schematic diagram.As schemed
Show, if the international card has payment successfully record in Third-party payment passage A and Third-party payment passage B, by the state
Border card payment channel sensitiveness is classified as insensitive；If the international card only pays successfully note in Third-party payment passage A
The payment channel sensitiveness of the international card, in Third-party payment passage B without successfully record is paid, is then classified as to paying by record
Passage B does not sort out；If the international card only pays successfully record in Third-party payment passage A, in Third-party payment passage B
There is payment failure record, and failure cause is refusal to pay, then the payment channel sensitiveness of the international card is classified as to the 3rd
Square payment channel B is sensitive；If the international card only pays successfully record in Third-party payment passage B, in Third-party payment
Passage A is successfully recorded without paying, then is classified as the international card payment channel sensitiveness and Third-party payment passage A is not sorted out；
If the international card only pays successfully record in Third-party payment passage B, there is payment unsuccessfully to remember in Third-party payment passage A
Record, and failure cause is refusal to pay, then is classified as the international card payment channel sensitiveness quick to Third-party payment passage A
Sense；
Foregoing detailed description illustrates the various embodiments of system and/or process by embodiment and/or schematic diagram.With regard to this
A little schematic diagrames and/or comprising one or more functions and/or operation for, it will be understood by those skilled in the art that these schematic diagrames
Or each function in embodiment and/or operation can be by various hardware, software, firmwares or actually its is any
Combine individually and/or jointly to realize.
It should be understood that method described herein can combine hardware or software, or both combinations are combined in due course and are come
Realize.Therefore, method of the invention, can use and be included in such as floppy disk, CD-ROM, hard disk drive or any other machine
Program code in the tangible mediums such as readable storage medium storing program for executing（That is, instruct）Form, wherein, when program code is calculated programmable
In the case of being performed on machine, computing device generally includes the readable storage medium of processor, the processor (including volatile storage
Device and/or memory element), at least one input equipment and at least one output equipment.One or more programs can example
Such as, the process by using API, reusable control etc. to realize or using being described with reference to the present invention.Such program is preferably
Realized with high level procedural or Object-Oriented Programming Language, to communicate with computer system.However, if it is desired to the journey
Sequence can be realized with assembler language or machine language.In any case, language can be compiler language or interpretative code, and
It is combined with hardware realization.
It should be noted that the present invention's should come the system of managing payment success rate and use based on international card payment channel
The category of the scheme of the method for the managing payment success rate of system includes but not limited to any combination between each part mentioned above.
Although having shown and described the present invention referring particularly to its preferred embodiment, those skilled in the art can be with
Understand, the various changes in form and details can be made without departing from the model of the invention described in the appended claims
Enclose.It is described in detail above in association with the specific embodiment of the present invention, but is not limitation of the present invention.It is every according to this hair
Bright technical spirit is to any simple scope changed, still fall within technical solution of the present invention made for any of the above embodiments.
Claims (8)
1. it is a kind of based on international card payment channel come the system of managing payment success rate, the system comprises client, electric business net
Network corporate server, international card information server, some Third-party payment passages, it is characterised in that
The client is in communication with each other with the electric business network company server；
The electric business webserver includes order module, new and old card judging module, susceptibility classifying module, payment channel route
Module；
The electric business network company server is in communication with each other with the international card information server；
The electric business network company server is in communication with each other with some Third-party payment passages；
The international card information server is in communication with each other with some Third-party payment passages；
The method of the managing payment success rate includes the electric business webserver and receives international card payment information；
The method that the electric business webserver receives international card payment information includes the following steps：
a）After the electric business webserver receives the order from the client, the order module generates the phase of the order
Close information；
B) sequence information is submitted to the new and old card judging module, the new and old card judging module by the order module
Communicate with the international card information server, for judging whether the international card is the neocaine do not merchandised；
C) susceptibility classification and identification, the susceptibility classifying module and the state are carried out in the susceptibility classifying module
Border card information server communicates, for obtaining the sensitivity information of the international card；
D) sensitivity information of acquisition is sent to the payment channel routing module, the branch by the susceptibility classifying module
Passage routing module is paid to be selected according to the sensitivity information of the international card actually from the international card information server of acquisition
The corresponding Third-party payment passage is selected to be paid.
2. as claimed in claim 1 based on international card payment channel come the system of managing payment success rate, it is characterised in that institute
Stating client includes signature pad, and the signature pad is used to user's electronic signature of international card being retrieved as electronic signal.
3. as claimed in claim 1 based on international card payment channel come the system of managing payment success rate, it is characterised in that institute
Stating client includes input/output module, Communications Processor Module, memory module.
4. using as claimed in claim 1 based on international card payment channel come the managing payment of the system of managing payment success rate
The method of success rate, described method includes following steps：
The client places an order on the electric business webserver, and the electric business webserver generates for the client
Sequence information；
The electric business webserver sends payment request information to the Third-party payment passage；
After waiting the Third-party payment passage to complete the payment request of the international card, the Third-party payment passage will be paid
The information of handling result returns to the electric business webserver, and the electric business webserver receives the letter of payment processes result
Breath.
5. using as claimed in claim 4 based on international card payment channel come the managing payment of the system of managing payment success rate
The method of success rate, it is characterised in that further include following steps in the step d) of the method：
The Third-party payment passage is after the payment request of international card has been handled, by the result information of the payment of the international card
Return to the susceptibility classifying module of the electric business webserver；
If the result paid is that successfully, the international card is classified as the third party by the susceptibility classifying module
Payment channel is insensitive；
If the result paid is failure, continue the reason for analysis pays failure, if failure cause is the Third-party payment
Passage is refused to pay, then the international card is classified as quick for the Third-party payment passage by the susceptibility classifying module
Sense；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, it is impossible to is considered to described the
Tripartite's payment channel is sensitive.
6. using as claimed in claim 5 based on international card payment channel come the managing payment of the system of managing payment success rate
The method of success rate, it is characterised in that the method further includes following steps：
If the international card is neocaine, the described 3rd is made choice according to the random number that the electric business webserver is set
Square payment channel；
If the international card is old card, also, if international card described in sensitivity analysis the results show for two third parties
Payment channel is insensitive, then according to the random number of setting rule, by request at random into corresponding Third-party payment passage.
7. using as claimed in claim 5 based on international card payment channel come the managing payment of the system of managing payment success rate
The method of success rate, it is characterised in that the method further includes following steps：
If the international card is old card, also, if international card described in sensitivity analysis the results show is sensitive, continues specific point
Whether analysis is sensitive for the Third-party payment passage, if the international card is sensitive for the Third-party payment passage,
The payment request of the international card is submitted to another Third-party payment passage processing；
If the international card is old card, also, if international card is not sorted out described in the results show of sensitivity analysis, continues to have
Body analyzes whether it does not sort out for the Third-party payment passage, if the international card is for the Third-party payment passage
Do not sort out, then the payment request of the international card is submitted to the Third-party payment passage is handled.
8. using as claimed in claim 5 based on international card payment channel come the managing payment of the system of managing payment success rate
The method of success rate, it is characterised in that the method further includes following steps：
a）If the international card has payment successfully record in two Third-party payment passages, by the international card
Payment channel sensitiveness is classified as insensitive；
b）If the international card only pays successfully record in the first Third-party payment passage, second the described 3rd
The payment channel sensitiveness of the international card is then classified as the described to second the 3rd by square payment channel without successfully record is paid
Square payment channel is not sorted out；
c）If the international card only pays successfully record in the first Third-party payment passage, second the described 3rd
Square payment channel has payment failure record, and failure cause is refusal to pay, then returns the payment channel sensitiveness of the international card
Class is sensitive to the second Third-party payment passage；
d）If the international card only pays successfully record in the second Third-party payment passage, first the described 3rd
Square payment channel is successfully recorded without paying, then the international card payment channel sensitiveness is classified as to the first Third-party payment
Passage is not sorted out；
e）If the international card only pays successfully record in the second Third-party payment passage, first the described 3rd
Square payment channel has payment failure record, and failure cause is refusal to pay, then sorts out the international card payment channel sensitiveness
For to the first Third-party payment passage sensitivity.
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| CN201310355233.9A CN104376452B (en) | 2013-08-15 | 2013-08-15 | System and method based on international card payment channel managing payment success rate |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106161550A (en) * | 2015-04-15 | 2016-11-23 | 阿里巴巴集团控股有限公司 | A kind of 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 |
| CN106372893B (en) * | 2016-08-26 | 2020-06-30 | 维沃移动通信有限公司 | Code scanning 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 |
| CN107103462B (en) * | 2017-04-14 | 2021-12-03 | 中国工商银行股份有限公司 | Method and device for processing snapshot data of cross-border remittance of bank |
| 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 |
| CN109345249B (en) * | 2018-08-02 | 2021-07-20 | 创新先进技术有限公司 | Payment failure processing method and device |
| 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 |
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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. |