CN106600255B

CN106600255B - Credit card payment method and device

Info

Publication number: CN106600255B
Application number: CN201611198204.6A
Authority: CN
Inventors: 赵红强
Original assignee: Shumao Technology Beijing Co ltd
Current assignee: Digital Trade Technology (Beijing) Co., Ltd.
Priority date: 2016-12-22
Filing date: 2016-12-22
Publication date: 2020-11-20
Anticipated expiration: 2036-12-22
Also published as: CN106600255A

Abstract

The invention discloses a credit card payment method and a credit card payment device, and relates to the field of electronic commerce. The method comprises the following steps: receiving a credit card payment transaction request, and inquiring whether corresponding bin payment success rate information exists according to a bin of a credit card; if so, judging whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode; and if the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the non-3D verification transaction mode, or submitting the credit card payment transaction request to the payment gateway for processing according to the 3D verification transaction mode. By adopting the scheme, the foreign trade electronic commerce platform can be more finely controlled to submit the 3D authentication transaction, and the payment success rate of the client is improved and the payment duration is shortened on the premise of meeting the control of the refusal payment index by the risk operation department.

Description

Credit card payment method and device

Technical Field

The invention relates to the field of electronic commerce, in particular to a credit card payment method and a credit card payment device.

Background

The foreign trade electronic commerce platform is used as a shopping platform for overseas buyer groups, and in actual payment, more than 98% of overseas buyers complete payment and shopping through credit cards, so the credit cards also become the largest payment mode of the foreign trade electronic commerce platform. Credit card repudiation (charging) refers to a transaction that a cardholder can apply to a bank for a repudiation on a bill within a certain period of time after payment (the international convention is generally 180 days). The credit card holder may initiate a denial of payment, such as when you have not received the goods, the goods are not checked out, the card has been stolen, not authorized, etc. In order to cope with the increasing number of repudiations of foreign trade e-commerce platforms, free from platform penalties by international card organizations and to protect the benefit of platform sellers, the platforms generally reduce unauthorized repudiation of cardholders by introducing credit card 3D authentication functionality. The 3D verification service is an online payment security verification service which is introduced for improving the security of online payment of credit cards, ensuring the online payment security of cardholders and maintaining the interests of the cardholders. Aiming at 3D transaction, according to the regulation of card organization, the transaction is in accordance with 3D verification, the cardholder can not initiate an unauthorized repudiation application, and the merchant at the risk of repudiation in the case does not need to undertake.

In the existing flow, whether a foreign trade e-commerce platform submits a foreign card transaction in 3D is generally based on 2-way reasons: on the one hand, based on high risk transactions, such as blacklisted buyers, high risk countries; on the other hand, countries that require 3D authentication are mandatory for parts, such as india, france, uk, etc.

In the process of implementing the embodiment of the present application, the inventor finds that at least the following problems exist in the prior art: generally, judgment is carried out according to the country, no ECI return value based on 3D verification is available (ECI is one of judgment conditions for identifying whether a transaction is submitted through a 3D verification mode or not and whether the transaction meets the availability shift or not in the 3D verification result return value, in the invention, the ECI return value of a VISA card is used for explaining that the payment success rate is improved by using the return value), subdivision processing is carried out, for part of clients which do not support 3D verification or part of the banks which have lower 3D verification success rate, the payment failure of the clients is caused, and bad influence is brought to the GMV of the platform and the experience of the clients. On the other hand, according to the data accumulation of the platform for years, the maximum transaction duration of the 3D authentication transaction is found to be more than 60 seconds, and the payment duration of the non-3D transaction is found to be within 6 seconds.

Disclosure of Invention

In view of the above problems, the present invention has been made to provide a credit card payment method and a corresponding apparatus that overcome or at least partially solve the above problems, and can achieve the purpose of improving payment success rate and customer experience by establishing a mechanism for a foreign trade e-commerce platform to improve the success rate of foreign card payment according to a 3D authentication ECI value.

According to an aspect of the present invention, there is provided a credit card payment method including:

receiving a credit card payment transaction request, and inquiring whether corresponding bin payment success rate information exists according to a bin of a credit card;

if so, judging whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode;

if the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the non-3D verification transaction mode, and if the success rate of the non-3D verification transaction mode is less than or equal to that of the 3D verification transaction mode, submitting the credit card payment transaction request to the payment gateway for processing according to the 3D verification transaction mode.

Optionally, the bin payment success rate information is obtained by normalizing historical transaction data information.

Optionally, after said submitting the credit card payment transaction request to the payment gateway for processing, the method further comprises:

returning a transaction state after the credit card payment transaction request is submitted to the payment gateway for processing, and adding the transaction state and the gateway ECI return value into credit card payment transaction detail information for recording transaction details;

and updating the bin payment success rate information by using the gateway ECI return value and the transaction state provided by the credit card payment transaction detail information.

Optionally, before the querying whether there is corresponding bin payment success rate information according to the bin of the credit card, the method further comprises:

and judging whether the credit card payment transaction request is a high-risk transaction request or not according to the information carried by the credit card, and if so, submitting the credit card payment transaction request to a payment gateway for processing according to a 3D verification transaction mode.

Optionally, the bin payment success rate information includes: the method comprises the following steps of bin, 3D verification transaction mode success times, 3D verification transaction mode failure times, non-3D verification transaction mode success times, non-3D verification transaction mode failure times and gateway information;

the updating of the bin payment success rate information by the gateway ECI return value and the transaction state provided by the credit card payment transaction detail information further comprises:

under the condition that the gateway ECI return value is equal to 5, if the transaction state is payment success, updating the 3D verification transaction mode success times in the card bin payment success rate information, and if the transaction state is payment failure, updating the 3D verification transaction mode failure times in the card bin payment success rate information;

under the condition that the gateway ECI return value is equal to 7, if the transaction state is payment success, updating the 3D verification transaction mode success times in the card bin payment success rate information, and if the transaction state is payment failure, updating the 3D verification transaction mode failure times in the card bin payment success rate information;

and under the condition that the gateway ECI return value is equal to 6, if the transaction state is payment success, updating the number of times of non-3D verification transaction mode success in the card bin payment success rate information, and if the transaction state is payment failure, updating the number of times of non-3D verification transaction mode failure in the card bin payment success rate information.

According to another aspect of the present invention, there is provided a credit card payment apparatus including:

the inquiry module is used for receiving the credit card payment transaction request and inquiring whether corresponding bin payment success rate information exists according to the bin of the credit card;

the first judgment module is used for judging whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode if the inquiry module inquires that the corresponding bin payment success rate information exists;

the submitting module is used for submitting the credit card payment transaction request to the payment gateway for processing according to the non-3D verification transaction mode if the first judging module judges that the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode; and if the first judging module judges that the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the 3D verification transaction mode.

Optionally, the apparatus further comprises: and the setting module is used for obtaining the bin payment success rate information after the historical transaction data information is normalized.

Optionally, the apparatus further comprises:

the adding module is used for returning the transaction state after the credit card payment transaction request is submitted to the payment gateway for processing, and adding the transaction state and the gateway ECI return value into credit card payment transaction detail information used for recording transaction details;

and the updating module is used for updating the card bin payment success rate information by utilizing the gateway ECI return value and the transaction state provided by the credit card payment transaction detail information.

Optionally, the apparatus further comprises: the second judgment module is used for judging whether the credit card payment transaction request is a high-risk transaction request according to the information carried by the credit card;

the submit module is further for: and if the second judgment module judges that the credit card payment transaction request is a high-risk transaction request, submitting the credit card payment transaction request to a payment gateway for processing according to a 3D verification transaction mode.

the update module is further to:

under the condition that the gateway ECI return value is equal to 6, if the transaction state is payment success, updating the 3D verification transaction mode success times in the card bin payment success rate information, and if the transaction state is payment failure, updating the 3D verification transaction mode failure times in the card bin payment success rate information;

and under the condition that the gateway ECI return value is equal to 7, if the transaction state is payment success, updating the number of times of non-3D verification transaction mode success in the card bin payment success rate information, and if the transaction state is payment failure, updating the number of times of non-3D verification transaction mode failure in the card bin payment success rate information.

According to the credit card payment method and device, the foreign trade electronic commerce platform can be more finely controlled to submit the 3D authentication transaction, and the payment success rate of the client is improved and the payment duration is shortened on the premise that the control of a refusal payment index by a risk operation department is met.

The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.

Drawings

Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:

FIG. 1 shows a flow diagram of a credit card payment method of an embodiment of the invention;

fig. 2 is a diagram illustrating bin payment success rate information according to an embodiment of the present invention;

FIG. 3 illustrates a 3D authenticated transaction flow diagram of an embodiment of the invention;

FIG. 4 shows a flow chart of a credit card payment method of a second embodiment of the invention;

FIG. 5 shows a credit card payment transaction detail information diagram of an embodiment of the invention;

FIG. 6 shows a flow chart of a three credit card payment method of an embodiment of the invention;

FIG. 7 shows a functional block diagram of a four credit card payment device of an embodiment of the invention;

FIG. 8 shows a functional block diagram of a five credit card payment device of an embodiment of the invention;

fig. 9 shows a functional block diagram of a six credit card payment device of an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

Example one

Fig. 1 shows a flow chart of a credit card payment method according to an embodiment of the invention. As shown in fig. 1, the credit card payment method provided in this embodiment specifically includes the following steps:

step S100, receiving a credit card payment transaction request.

The consumer browses the commodities to purchase on the foreign trade electronic commerce platform, after the commodities are selected, orders are placed and a credit card payment mode is selected, information of a credit card, the number of the credit card, the validity period, the CVV and the like is input, finally, payment is confirmed by clicking, and the foreign trade electronic commerce platform receives a credit card payment transaction request.

Step S101, whether corresponding bin payment success rate information exists is inquired according to the bin of the credit card, and if yes, step S102 is executed.

If the bin payment success rate information corresponding to the credit card payment transaction request exists, executing the step S102; if the inquiry result is negative, the card bin is in the first transaction on the platform, and the card bin is normally submitted to the payment gateway according to the rule, so that after the payment is completed, the corresponding card bin payment success rate information can be inquired when the card bin comes next time.

After receiving the credit card payment transaction request, the foreign trade e-commerce platform inquires whether corresponding bin payment success rate information exists according to the credit card information input by the consumer.

Fig. 2 is a diagram illustrating bin payment success rate information according to an embodiment of the present invention. As shown in fig. 2, the bin payment success rate information is used to record the bin payment success rate information of the sub-gateway, and the recorded contents are specifically the bin, the card type, the card brand, the 3D success times, the 3D failure times, the non-3D success times, and the non-3D failure times.

Step S102, judging whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode, if so, executing step S103, and if not, executing step S104.

And if the corresponding bin payment success rate information exists, judging whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode.

After inquiring that the card bin payment success rate information corresponding to the credit card payment transaction request exists, calculating values of a 3D verification transaction mode success rate and a non-3D verification transaction mode success rate according to the 3D success times, the 3D failure times, the non-3D success times and the non-3D failure times provided by the card bin payment success rate information, judging the values of the 3D verification transaction mode success rate and the non-3D verification transaction mode forming power values, organizing and submitting a message by adopting the verification transaction mode with a large success rate value, namely executing step S103 if the success rate of the non-3D verification transaction mode is larger than the success rate of the 3D verification transaction mode, and executing step S104 if the success rate of the non-3D verification transaction mode is smaller than the success rate of the 3D verification transaction mode.

And step S103, if the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the non-3D verification transaction mode.

If the success rate of the non-3D verification transaction mode is greater than the success rate of the 3D verification transaction mode, which is determined in step S102, it indicates that the card bin organizes and submits the message through the non-3D verification transaction mode, and the probability of successful payment is higher, so that it is more appropriate to select the non-3D verification transaction mode to organize and submit the message under the condition that the success rate of payment is expected to be improved.

And step S104, if the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the 3D verification transaction mode.

If the success rate of the non-3D verification transaction mode is less than the success rate of the 3D verification transaction mode in step S102, it indicates that the card bin organizes and submits the message through the 3D verification transaction mode, and the probability of successful payment is higher, so that it is more appropriate to select the 3D verification transaction mode to organize and submit the message when the success rate of payment is expected to be improved.

FIG. 3 shows a 3D authenticated transaction flow diagram of an embodiment of the invention. As shown in fig. 3, the 3D verification transaction related in this embodiment follows the following specific flow:

1. a consumer browses the commodities and pays in an online shopping mall, namely a foreign trade electronic commerce platform;

2. the foreign trade electronic commerce platform submits the credit card payment information of the consumer to a payment gateway;

3. the payment gateway returns the address information of the 3D verification and guides the consumer to jump to a 3D verification page for payment;

4. a consumer inputs own 3D verification password information on a 3D verification page of a bank and clicks for confirmation;

5. the card issuer returns the result information authorized by the card holder to the international card organization;

6. the international card organization returns the result information authorized by the card holder to the acquirer;

7. the acquirer returns the authorized result information to the payment gateway;

8. the payment gateway informs the foreign trade electronic commerce platform of the authorization result of the card holder;

9. the foreign trade e-commerce platform prompts the cardholder for the success or failure of the payment.

The credit card payment method provided by the embodiment of the invention can realize that a foreign trade electronic commerce platform has more refined control on the submission of the 3D verification transaction mode, and part of customers who are forced to submit by using the 3D verification transaction mode can also organize the message submission by the non-3D verification transaction mode when the success rate of the non-3D verification transaction mode is higher than that of the 3D verification transaction mode, so that the original rule mode which is fixedly submitted by the country is obviously improved, and the payment success rate is improved and the payment duration is shortened.

Example two

FIG. 4 is a flow chart of a credit card payment method according to an embodiment of the invention. As shown in fig. 4, the credit card payment method provided in this embodiment specifically includes the following steps:

step S201, setting an initial value of the bin payment success rate information, wherein the bin payment success rate information is obtained by arranging the historical transaction data information.

The initial value of the payment success rate information of the card bin is specifically set as the initial data of 3D success frequency, 3D failure frequency, non-3D success frequency and non-3D failure frequency obtained after the setting of the card bin, the card type, the card brand and the historical data information of credit card 3D verification and non-3D verification transactions for years based on a foreign trade electronic commerce platform are normalized.

Step S202, receiving a credit card payment transaction request, and inquiring whether corresponding bin payment success rate information exists according to the bin of the credit card.

If the bin payment success rate information corresponding to the credit card payment transaction request exists, executing the step S203; if the inquiry result is negative, the card bin is in the first transaction on the platform, and the card bin is normally submitted to the payment gateway according to the rule, so that after the payment is completed, the corresponding card bin payment success rate information can be inquired when the card bin comes next time.

The consumer browses the commodities to purchase on the foreign trade electronic commerce platform, after the commodities are selected, orders are placed and a credit card payment mode is selected, information of a credit card, the number of the credit card, the validity period, CVV and the like is input, finally, payment is confirmed by clicking, and after the foreign trade electronic commerce platform receives a credit card payment transaction request, whether corresponding bin payment success rate information exists or not is inquired according to the credit card information input by the consumer.

Step S203, determining whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode, if so, performing step S204, and if not, performing step S205.

If it is found in step S202 that the corresponding bin payment success rate information exists, it is determined whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode.

After inquiring that the card bin payment success rate information corresponding to the credit card payment transaction request exists, calculating values of a 3D verification transaction mode success rate and a non-3D verification transaction mode success rate according to the 3D success times, the 3D failure times, the non-3D success times and the non-3D failure times provided by the card bin payment success rate information, judging the values of the 3D verification transaction mode success rate and the non-3D verification transaction mode forming power values, and submitting the power values by adopting a verification transaction mode with a large success rate value, namely executing step S204 if the success rate of the non-3D verification transaction mode is larger than the success rate of the 3D verification transaction mode, and executing step S205 if the success rate of the non-3D verification transaction mode is smaller than the success rate of the 3D verification transaction mode.

And step S204, submitting the credit card payment transaction request to a payment gateway for processing according to a non-3D verification transaction mode.

If the success rate of the non-3D verification transaction mode is greater than the success rate of the 3D verification transaction mode in step S203, it indicates that the card bin is submitted through the non-3D verification transaction mode, and the probability of successful payment is higher, so that the non-3D verification transaction mode is selected to be more suitable for submission when the payment success rate is expected to be improved.

And step S205, submitting the credit card payment transaction request to a payment gateway for processing according to the 3D verification transaction mode.

If the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode in step S203, it indicates that the card bin is submitted through the 3D verification transaction mode, and the probability of successful payment is higher, so that the 3D verification transaction mode is selected to be more suitable for submission when the payment success rate is expected to be improved.

Step S206, the transaction state after the credit card payment transaction request is submitted to the payment gateway for processing is returned, and the transaction state and the gateway ECI return value are added into the credit card payment transaction detail information used for recording the transaction details.

After the message is submitted to the payment gateway through different verification transaction modes, the payment gateway returns different processing information according to different message conditions of the 3D verification transaction mode and the non-3D verification transaction mode, and if the transaction is 3D transaction, the card holder is guided to jump to a 3D verification page to input password information.

After receiving the message of the credit card payment transaction request, the payment gateway authorizes the transaction by the following steps:

1. the payment gateway forwards the payment request to a receiving bank for processing;

2. the acquirer forwards the payment request to the international card organization for processing;

3. the international card organization forwards the payment request to an issuer for authorization processing;

4. the card issuer returns the result information of authorization to the international card organization;

5. the international card organization returns the authorized result information to the acquirer;

6. the acquirer returns the authorized result information to the payment gateway;

7. the payment gateway informs the foreign trade electronic commerce platform of the authorization result of the card holder;

8. the foreign trade e-commerce platform prompts the cardholder for the success or failure of the payment.

The foreign trade e-commerce platform finally prompts that the information of payment success or failure is the transaction state of the credit card payment transaction.

FIG. 5 shows a credit card payment transaction detail information diagram of an embodiment of the invention. As shown in fig. 5, the credit card payment transaction detail information records the detail information of each credit card payment transaction, and after the payment of each order is completed, the transaction status and the gateway ECI return value are added to the credit start payment transaction detail information, and in addition, the credit card payment transaction detail information also records the transaction request time, the transaction serial number, the payment reference number, the transaction amount, the transaction currency, the gateway, the failure reason, the order number, the credit card number, the validity period, the transaction confirmation time and the authorization code; wherein the gateway ECI return value and the authorization code are provided by the authorization result.

And step S207, updating the bin payment success rate information by utilizing the gateway ECI return value and the transaction state provided by the credit card payment transaction detail information.

The bin payment success rate information includes: the gateway information comprises a card bin, 3D verification transaction mode success times, 3D verification transaction mode failure times, non-3D verification transaction mode success times, non-3D verification transaction mode failure times and gateway information.

Along with the continuous accumulation of transactions, the initially set card payment success rate information can be changed, and the card payment success rate information is continuously updated by using the transaction state and the gateway ECI return value, so that the card payment success rate information can be continuously improved along with the change of factors such as the optimization of a platform and the like. The updating modes of the card bin payment success rate specifically include the following four modes:

1. under the condition that the gateway ECI return value is equal to 5, if the transaction state is payment success, updating the 3D verification transaction mode success times in the card bin payment success rate information, and if the transaction state is payment failure, updating the 3D verification transaction mode failure times in the card bin payment success rate information;

2. under the condition that the gateway ECI return value is equal to 6, if the transaction state is payment success, updating the 3D verification transaction mode success times in the card bin payment success rate information, and if the transaction state is payment failure, updating the 3D verification transaction mode failure times in the card bin payment success rate information;

3. and under the condition that the gateway ECI return value is equal to 7, if the transaction state is payment success, updating the number of times of non-3D verification transaction mode success in the card bin payment success rate information, and if the transaction state is payment failure, updating the number of times of non-3D verification transaction mode failure in the card bin payment success rate information.

According to the credit card payment method provided by the embodiment of the invention, after the payment of each credit card payment transaction request is completed, the gateway ECI return value and the transaction state provided by the credit card payment transaction detail information update the bin payment success rate information, so that the bin payment success rate information is accumulated along with the continuous accumulation of payment data, the obtained success rate of the 3D verification transaction mode and the success rate data of the non-3D verification transaction mode are more accurate, and the continuous update of the bin payment success rate information can be realized.

EXAMPLE III

Fig. 6 shows a flow chart of a three credit card payment method of an embodiment of the invention. As shown in fig. 6, the credit card payment method provided in this embodiment specifically includes the following steps:

step S301, setting an initial value of the bin payment success rate information, wherein the bin payment success rate information is obtained by arranging the historical transaction data information.

Step S302, receiving a credit card payment transaction request, judging whether the credit card payment transaction request is a high-risk transaction request according to information carried by a credit card, if so, executing step S306, and if not, executing step S303.

For some high-risk transactions, such as blacklist buyers with very bad credit records and high-risk countries, when payment is submitted, the success rate of a 3D verification transaction mode and a non-3D verification transaction mode is not required to be considered, and under the condition, the 3D verification transaction mode is adopted to organize message submission to ensure the safety of payment transactions on a credit card network; and for the payment request which does not belong to the high-risk transaction, determining which verification transaction mode to organize the message submission by adopting a method for judging the success rate of the 3D verification transaction mode and the non-3D verification transaction mode.

Step S303, whether corresponding bin payment success rate information exists is inquired according to the bin of the credit card.

If the bin payment success rate information corresponding to the credit card payment transaction request exists, executing the step S304; if the inquiry result is negative, the card bin is in the first transaction on the platform, and the card bin is normally submitted to the payment gateway according to the rule, so that after the payment is completed, the corresponding card bin payment success rate information can be inquired when the card bin comes next time.

Step S304, determining whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode, if so, performing step S305, and if not, performing step S306.

After inquiring that the card bin payment success rate information corresponding to the credit card payment transaction request exists in step S303, the values of the 3D verification transaction mode success rate and the non-3D verification transaction mode success rate are calculated according to the 3D success times, the 3D failure times, the non-3D success times and the non-3D failure times provided by the card bin payment success rate information, the values of the 3D verification transaction mode success rate and the non-3D verification transaction mode success rate are determined, and a verification transaction mode organization message with a large success rate value is adopted for submission, that is, if the success rate of the non-3D verification transaction mode is greater than the success rate of the 3D verification transaction mode, step S305 is executed, and if the success rate of the non-3D verification transaction mode is less than the success rate of the 3D verification transaction mode, step S306 is executed.

Step S305, the credit card payment transaction request is submitted to the payment gateway for processing according to the non-3D verification transaction mode.

And if the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the non-3D verification transaction mode.

If the success rate of the non-3D verification transaction mode is greater than the success rate of the 3D verification transaction mode, which is determined in step S304, it indicates that the card bin organizes and submits the message through the non-3D verification transaction mode, and the probability of successful payment is higher, so that it is more appropriate to select the non-3D verification transaction mode to organize and submit the message under the condition that the success rate of payment is expected to be improved.

And step S306, submitting the credit card payment transaction request to a payment gateway for processing according to the 3D verification transaction mode.

And if the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the 3D verification transaction mode.

If the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode, it indicates that the card bin organizes and submits the message through the 3D verification transaction mode, and the probability of successful payment is higher, so that it is more appropriate to select the 3D verification transaction mode to organize and submit the message when the success rate of payment is expected to be improved.

And step S307, returning the transaction state after the credit card payment transaction request is submitted to the payment gateway for processing, and adding the transaction state and the gateway ECI return value into credit card payment transaction detail information for recording transaction details.

As shown in fig. 5, the credit card payment transaction detail information records the detail information of each credit card payment transaction, and after the payment of each order is completed, the transaction status and the gateway ECI return value are added to the credit start payment transaction detail information, and in addition, the credit card payment transaction detail information also records the transaction request time, the transaction serial number, the payment reference number, the transaction amount, the transaction currency, the gateway, the failure reason, the order number, the credit card number, the validity period, the transaction confirmation time and the authorization code; wherein the gateway ECI return value and the authorization code are provided by the authorization result.

And step S308, updating the card bin payment success rate information by utilizing the gateway ECI return value and the transaction state provided by the credit card payment transaction detail information.

According to the credit card payment method provided by the embodiment of the invention, before inquiring whether corresponding bin payment success rate information exists, whether a credit card payment transaction request is a high-risk transaction is judged, blacklist buyers and high-risk countries with very poor credit records do not need to consider the success rate of a 3D verification transaction mode and a non-3D verification transaction mode, and under the condition, a 3D verification transaction mode is adopted to organize message submission so as to ensure the safety of online payment transaction of the credit card; and for the payment request which does not belong to the high-risk transaction, determining which verification transaction mode to organize the message submission by adopting a method for judging the success rate of the 3D verification transaction mode and the non-3D verification transaction mode. By adopting the scheme, the safety of online payment transaction can be guaranteed, and the payment time is shortened by using a non-3D channel for part of high-quality customers.

Example four

Fig. 7 shows a functional block diagram of a four credit card payment device in accordance with an embodiment of the invention. As shown in fig. 7, the credit card payment apparatus provided in this embodiment specifically includes: a query module 401, a first judgment module 402, and a submission module 403.

The query module 401 is configured to receive a credit card payment transaction request, and query whether corresponding bin payment success rate information exists according to a bin of a credit card.

If the bin payment success rate information corresponding to the credit card payment transaction request exists, entering a first judgment module 402 to judge the success rate of the 3D verification transaction mode and the non-3D verification transaction mode; if the inquiry result is negative, the card bin is in the first transaction on the platform, and the card bin is normally submitted to the payment gateway according to the rule, so that after the payment is completed, the corresponding card bin payment success rate information can be inquired when the card bin comes next time.

The first determining module 402 is configured to determine whether a success rate of a non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than a success rate of a 3D verification transaction mode if the querying module 401 queries that the corresponding bin payment success rate information exists.

After inquiring that there is the bin payment success rate information corresponding to the credit card payment transaction request, calculating the values of the 3D verification transaction mode success rate and the non-3D verification transaction mode success rate according to the 3D success times, the 3D failure times, the non-3D success times and the non-3D failure times provided by the bin payment success rate information, judging the values of the 3D verification transaction mode success rate and the non-3D verification transaction mode success rate, organizing and submitting messages by adopting the verification transaction mode with a large success rate value, namely, if the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode, message submission is organized according to the non-3D verification transaction mode, and if the success rate of the non-3D verification transaction mode is less than that of the 3D verification transaction mode, organizing the message according to the 3D verification transaction mode for submission.

A submitting module 403, configured to submit the credit card payment transaction request to the payment gateway for processing according to the non-3D verification transaction mode if the first determining module 402 determines that the success rate of the non-3D verification transaction mode is greater than the success rate of the 3D verification transaction mode; if the first determining module 402 determines that the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode, the credit card payment transaction request is submitted to the payment gateway for processing according to the 3D verification transaction mode.

If the first determining module 402 determines that the success rate of the non-3D verification transaction mode is greater than the success rate of the 3D verification transaction mode, it indicates that the card bin organizes and submits messages through the non-3D verification transaction mode, and the probability of successful payment is higher, so that it is more appropriate to select the non-3D verification transaction mode to organize and submit messages when the success rate of payment is expected to be improved.

If the first determining module 402 determines that the success rate of the non-3D verification transaction mode is less than the success rate of the 3D verification transaction mode, it indicates that the card bin organizes and submits messages through the 3D verification transaction mode, and the probability of successful payment is higher, so that it is more appropriate to select the 3D verification transaction mode to organize and submit messages when the success rate of payment is expected to be improved.

The credit card payment device provided by the embodiment of the invention can realize that a foreign trade electronic commerce platform has more refined control on the submission of the 3D verification transaction mode, and part of customers who are forced to submit by using the 3D verification transaction mode can also organize the message submission by the non-3D verification transaction mode when the success rate of the non-3D verification transaction mode is higher than that of the 3D verification transaction mode, so that the original rule mode which is fixedly submitted by the country is obviously improved, and the payment success rate is improved and the payment duration is shortened.

EXAMPLE five

Fig. 8 shows a functional block diagram of a four credit card payment device in accordance with an embodiment of the invention. As shown in fig. 8, the credit card payment apparatus provided in this embodiment specifically includes: a setting module 501, a query module 502, a first judgment module 503, a submission module 504, an addition module 505, and an update module 506.

The setting module 501 is configured to obtain the bin payment success rate information after the historical transaction data information is normalized.

The query module 502 is configured to receive a credit card payment transaction request, and query whether corresponding bin payment success rate information exists according to a bin of a credit card.

If the query result is yes, the first judgment module 503 is entered for judgment; if the inquiry result is negative, the first transaction of the card bin on the platform is indicated, the card bin is normally submitted to a payment gateway according to rules, and therefore after the payment is completed, the next time the card bin comes, judgment can be carried out.

The first determining module 503 is configured to determine whether a success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than a success rate of the 3D verification transaction mode.

If the inquiry module 502 inquires that the corresponding bin payment success rate information exists, whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode is judged.

A submitting module 504, configured to submit the credit card payment transaction request to the payment gateway for processing according to the non-3D verification transaction mode if the first determining module 503 determines that the success rate of the non-3D verification transaction mode is greater than the success rate of the 3D verification transaction mode; if the first determining module 503 determines that the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode, the credit card payment transaction request is submitted to the payment gateway for processing according to the 3D verification transaction mode.

And judging the success rate of the 3D verification transaction mode and the power value of the non-3D verification transaction mode, and organizing and submitting the message by adopting the verification transaction mode with the high success rate value.

If the first determining module 503 determines that the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode, the submitting module 504 is configured to submit the credit card payment transaction request to the payment gateway for processing according to the non-3D verification transaction mode.

If the first determining module 503 determines that the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode, the submitting module 504 is configured to submit the credit card payment transaction request to the payment gateway for processing according to the 3D verification transaction mode.

And the adding module 505 is configured to return a transaction state after the credit card payment transaction request is submitted to the payment gateway for processing, and add the transaction state and the gateway ECI return value to the credit card payment transaction detail information for recording the transaction details.

And an updating module 506, configured to update the bin payment success rate information using the gateway ECI return value and the transaction status provided by the credit card payment transaction detail information.

The updating modes of the card bin payment success rate specifically include the following four modes:

in the case that the gateway ECI return value is equal to 5, the update module 506 is configured to: if the transaction state is successful, updating the successful times of the 3D verification transaction mode in the card bin payment success rate information; if the transaction state is payment failure, updating the failure times of the 3D verification transaction mode in the card bin payment success rate information;

in the case that the gateway ECI return value is equal to 6, the update module 506 is configured to: if the transaction state is successful, updating the successful times of the 3D verification transaction mode in the card bin payment success rate information; if the transaction state is payment failure, updating the failure times of the 3D verification transaction mode in the card bin payment success rate information;

in the case that the gateway ECI return value is equal to 7, the update module 506 is configured to: if the transaction state is successful, updating the successful times of the non-3D verification transaction mode in the card bin payment success rate information; and if the transaction state is payment failure, updating the failure times of the non-3D verification transaction mode in the card bin payment success rate information.

According to the credit card payment device provided by the embodiment of the invention, after the payment of each credit card payment transaction request is completed, the gateway ECI return value and the transaction state provided by the credit card payment transaction detail information update the bin payment success rate information, so that the bin payment success rate information is accumulated along with the continuous accumulation of payment data, the obtained success rate of the 3D verification transaction mode and the success rate data of the non-3D verification transaction mode are more accurate, and the continuous update of the bin payment success rate information can be realized.

EXAMPLE six

Fig. 9 shows a functional block diagram of a four credit card payment device in accordance with an embodiment of the present invention. As shown in fig. 9, the credit card payment apparatus provided in this embodiment specifically includes: a setting module 601, a second judging module 602, a query module 603, a first judging module 604, a submitting module 605, an adding module 606, and an updating module 607.

The setting module 601 is configured to obtain the bin payment success rate information after the historical transaction data information is normalized.

The second determining module 602 is configured to determine whether the credit card payment transaction request is a high risk transaction request according to information carried by the credit card.

If the judgment result is yes, the process enters a submitting module 605 for processing; if the determination result is negative, the query module 603 is entered for processing.

The query module 603 is configured to query whether corresponding bin payment success rate information exists according to a bin of the credit card.

If the query result is yes, the first judgment module 604 is entered for judgment; if the inquiry result is negative, the first transaction of the card bin on the platform is indicated, the card bin is normally submitted to a payment gateway according to rules, and therefore after the payment is completed, the next time the card bin comes, judgment can be carried out.

The first determining module 604 is configured to determine whether a success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than a success rate of the 3D verification transaction mode.

If the query module 603 queries that the corresponding bin payment success rate information exists, it is determined whether the success rate of the non-3D verification transaction mode of the credit card recorded by the bin payment success rate information is greater than the success rate of the 3D verification transaction mode.

And calculating values of the 3D verification transaction mode success rate and the non-3D verification transaction mode success rate according to the 3D success times, the 3D failure times, the non-3D success times and the non-3D failure times provided by the bin payment success rate information, judging the values of the 3D verification transaction mode success rate and the non-3D verification transaction mode success rate, and organizing a message to submit by adopting a verification transaction mode with a large success rate value.

A submitting module 605, configured to submit the credit card payment transaction request to the payment gateway for processing according to the corresponding verification transaction mode.

If the first determining module 604 determines that the success rate of the non-3D verified transaction mode is greater than the success rate of the 3D verified transaction mode, the submitting module 605 is configured to submit the credit card payment transaction request to the payment gateway for processing according to the non-3D verified transaction mode.

If the first determining module 604 determines that the success rate of the non-3D verified transaction mode is less than or equal to the success rate of the 3D verified transaction mode, the submitting module 605 is configured to submit the credit card payment transaction request to the payment gateway for processing according to the 3D verified transaction mode.

If the second determination module 602 determines that the credit card payment transaction request is a high risk transaction request, the submission module 605 is further configured to: and submitting the credit card payment transaction request to a payment gateway for processing according to a 3D verification transaction mode.

And the adding module 606 is used for returning the transaction state after the credit card payment transaction request is submitted to the payment gateway for processing, and adding the transaction state and the gateway ECI return value into the credit card payment transaction detail information for recording the transaction details.

The foreign trade e-commerce platform finally prompts that the information of payment success or failure is the transaction state of the credit card payment transaction. As shown in fig. 5, the credit card payment transaction detail information records the detail information of each credit card payment transaction, and after the payment of each order is completed, the transaction status and the gateway ECI return value are added to the credit start payment transaction detail information, and in addition, the credit card payment transaction detail information also records the transaction request time, the transaction serial number, the payment reference number, the transaction amount, the transaction currency, the gateway, the failure reason, the order number, the credit card number, the validity period, the transaction confirmation time and the authorization code; wherein the gateway ECI return value and the authorization code are provided by the authorization result.

And an updating module 607 for updating the bin payment success rate information using the gateway ECI return value and the transaction status provided by the credit card payment transaction detail information.

in case the gateway ECI return value is equal to 5, the updating module 607 is configured to: if the transaction state is successful, updating the successful times of the 3D verification transaction mode in the card bin payment success rate information; if the transaction state is payment failure, updating the failure times of the 3D verification transaction mode in the card bin payment success rate information;

in case the gateway ECI return value is equal to 6, the updating module 607 is configured to: if the transaction state is successful, updating the successful times of the 3D verification transaction mode in the card bin payment success rate information; if the transaction state is payment failure, updating the failure times of the 3D verification transaction mode in the card bin payment success rate information;

in case the gateway ECI return value is equal to 7, the update module 607 is configured to: if the transaction state is successful, updating the successful times of the non-3D verification transaction mode in the card bin payment success rate information; and if the transaction state is payment failure, updating the failure times of the non-3D verification transaction mode in the card bin payment success rate information.

According to the credit card payment device provided by the embodiment of the invention, before inquiring whether corresponding bin payment success rate information exists, whether a credit card payment transaction request is a high-risk transaction is judged, blacklist buyers and high-risk countries with very poor credit records do not need to consider the success rate of a 3D verification transaction mode and a non-3D verification transaction mode, and under the condition, a 3D verification transaction mode is adopted to organize message submission so as to ensure the safety of online payment transaction of the credit card; and for the payment request which does not belong to the high-risk transaction, determining which verification transaction mode to organize the message submission by adopting a method for judging the success rate of the 3D verification transaction mode and the non-3D verification transaction mode. By adopting the scheme, the safety of online payment transaction can be guaranteed, and the payment time is shortened by using a non-3D channel for part of high-quality customers.

Thus, it should be appreciated by those skilled in the art that while a number of exemplary embodiments of the invention have been illustrated and described in detail herein, many other variations or modifications consistent with the principles of the invention may be directly determined or derived from the disclosure of the invention without departing from the spirit and scope of the invention. Accordingly, the scope of the invention should be understood and interpreted to cover all such other variations or modifications.

As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method or computer program product. In addition, the present invention is not intended to be limited to any particular programming language, it being understood that various programming languages may be used to implement the present invention as described herein, and any specific languages are provided for disclosure of enablement and best mode of the present invention.

It is noted that although several modules of the credit card payment device are described in detail in the above description, such division is merely exemplary and not mandatory. Those skilled in the art will appreciate that, in practice, the modules in the embodiments may be adaptively changed, that a plurality of modules in the embodiments may be combined into one module, or that one module may be divided into a plurality of modules.

Moreover, while operations for carrying out the invention are illustrated in the drawings in a particular order, this does not require or imply that all of the illustrated operations must be performed in that particular order to achieve desirable results. Certain steps may be omitted, multiple steps may be combined into one step for execution, or a step may be divided into multiple steps for execution.

In conclusion, the credit card payment method and the credit card payment device provided by the invention have the advantages that the foreign trade electronic commerce platform has more refined control on the submission of the 3D authentication transaction, the aim of optimizing the payment success rate is fulfilled on the premise of meeting the control of the refusal payment index by a risk operation department, the original rule mode of fixedly submitting 3D according to the country is obviously improved, and the payment success rate and the payment duration of a client are improved by using a non-3D channel instead of a part of high-quality clients. From the data of foreign trade electronic commerce platform, through this optimization after, the holistic 3D payment success rate of platform has promoted about 1.5%, has played good economic benefits.

The method and the specific implementation method of the invention are described in detail and corresponding examples are given. Of course, the present invention may have other embodiments besides the above embodiments, and all the technical solutions formed by using equivalent substitutions or equivalent transformations fall within the protection scope of the present invention.

Claims

1. A credit card payment method, comprising:

receiving a credit card payment transaction request, judging whether the credit card payment transaction request is a high-risk transaction request or not according to information carried by a credit card, and inquiring whether corresponding bin payment success rate information exists or not according to a bin of the credit card if the credit card payment transaction request is not a high-risk transaction;

if the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the non-3D verification transaction mode, and if the success rate of the non-3D verification transaction mode is less than or equal to that of the 3D verification transaction mode, submitting the credit card payment transaction request to the payment gateway for processing according to the 3D verification transaction mode;

returning a transaction state after the credit card payment transaction request is submitted to the payment gateway for processing, and adding the transaction state and the gateway ECI return value into credit card payment transaction detail information for recording transaction details, wherein the transaction state of the credit card payment transaction is information for finally prompting payment success or failure by a foreign trade electronic commerce platform; and updating the card bin payment success rate information by utilizing a gateway ECI return value and a transaction state provided by the credit card payment transaction detail information.

2. The method of claim 1, wherein the bin payment success rate information is structured from historical transaction data information.

3. The method of claim 1, further comprising:

and if the credit card payment transaction request is a high-risk transaction, submitting the credit card payment transaction request to a payment gateway for processing according to a 3D verification transaction mode.

4. The method of claim 1, wherein the bin payment success rate information comprises: the method comprises the following steps of bin, 3D verification transaction mode success times, 3D verification transaction mode failure times, non-3D verification transaction mode success times, non-3D verification transaction mode failure times and gateway information;

5. A credit card payment device, comprising:

the submitting module is used for submitting the credit card payment transaction request to a payment gateway for processing according to the non-3D verification transaction mode if the first judging module judges that the success rate of the non-3D verification transaction mode is greater than that of the 3D verification transaction mode; if the first judging module judges that the success rate of the non-3D verification transaction mode is less than or equal to the success rate of the 3D verification transaction mode, submitting the credit card payment transaction request to a payment gateway for processing according to the 3D verification transaction mode;

the device further comprises: the second judgment module is used for judging whether the credit card payment transaction request is a high-risk transaction request according to the information carried by the credit card; the query module is further to: if the credit card payment transaction request is not a high risk transaction, inquiring whether corresponding bin payment success rate information exists according to the bin of the credit card;

the device further comprises: the adding module is used for returning a transaction state after the credit card payment transaction request is submitted to the payment gateway for processing, and adding the transaction state and the gateway ECI return value into credit card payment transaction detail information used for recording transaction details, wherein the transaction state of the credit card payment transaction is information for finally prompting payment success or failure by the foreign trade electronic commerce platform;

6. The apparatus of claim 5, further comprising: and the setting module is used for obtaining the bin payment success rate information after the historical transaction data information is normalized.

7. The apparatus of claim 5, wherein the submit module is further configured to: and if the credit card payment transaction request is a high-risk transaction, submitting the credit card payment transaction request to a payment gateway for processing according to a 3D verification transaction mode.

8. The apparatus of claim 5, wherein the bin payment success rate information comprises: the method comprises the following steps of bin, 3D verification transaction mode success times, 3D verification transaction mode failure times, non-3D verification transaction mode success times, non-3D verification transaction mode failure times and gateway information;

the update module is further to: