CN106651360A - Method and system for improving foreign trade e-commerce platform order success rate - Google Patents
Method and system for improving foreign trade e-commerce platform order success rate Download PDFInfo
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- CN106651360A CN106651360A CN201611162403.1A CN201611162403A CN106651360A CN 106651360 A CN106651360 A CN 106651360A CN 201611162403 A CN201611162403 A CN 201611162403A CN 106651360 A CN106651360 A CN 106651360A
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- Prior art keywords
- card
- information
- payment card
- payment
- foreign trade
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
-
- 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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
The present invention provides a method and system for improving a foreign trade e-commerce platform order success rate. The method comprises: obtaining the information of a payment card and calling the pre-stored information in a database; using the information of the payment card to compare with the pre-stored information for local authentication; using the information of the payment card to compare with the pre-stored information, and performing network authentication of the information of the payment card; and outputting a final result according to the local authentication or the network authentication. The method and system for improving the foreign trade e-commerce platform order success rate can improve the foreign trade e-commerce platform payment success rate, reduce the foreign trade e-commerce platform gathering cost and improve the client payment experience.
Description
Technical field
The present invention relates to internet payment field is based on, particularly a kind of side for improving foreign trade electric business platform Order success rate
Method and system.
Background technology
Used as cross-border shopping online platform, its major customer is overseas holder to Foreign trade electronic commerce platform.Electric business platform
The payment channel that the payment request of overseas buyer is assigned randomly to its access can be submitted to and be paid, payment channel can be used buyer
International card according to corresponding air control rule verify, if verification by if submit to receive single file and international card tissue, hair fastener advance
Row is processed.After mandate passes through, electric business platform confirms that buyer pays successfully, and notifies that seller is delivered.
In the payment flow of traditional foreign trade electric business platform, foreign trade electric business platform simply turns transaction according to payment request
It is dealt into payment channel process, it is impossible to effectively effective Intelligent routing judgement is carried out according to the credit card species of overseas holder,
So that paying, success rate is relatively low, customer experience is poor.
In existing handling process, overseas customer is input into oneself after foreign trade e-commerce platform is browsed and placed an order
Credit card information, then clicks on and pays and submit to.The payment request of client is transmitted to payment by Foreign trade electronic commerce platform at random
Gateway is processed.Payment gateway forwards a request to again different merchant banks, by receipts single file be transmitted to card tissue, finally by
Card tissue is transmitted to credit card issuer and carries out authorisation process, authorizes by rear, and Foreign trade electronic commerce platform confirms an order for client.This
Wherein there is problems with：For the credit card of overseas customer does not carry out classification process；Do not sieve for request is paid
Judgement is looked into, no matter ordinary circumstance payment gateway will all collect processing cost for paying to ask successfully to fail；For difference
The different credit card success rates of payment gateway are not analyzed utilization.
The content of the invention
The invention provides a kind of method and system for improving foreign trade electric business platform Order success rate, the system is installed to
In e-commerce platform, as a part of e-commerce platform payment module.Propping up Foreign trade electronic commerce platform
Pay and have significant improvement in success rate.From the point of view of the data of platform, paying success rate has more than 5% lifting.
The concrete technical scheme of the present invention is as follows：
A first aspect of the present invention proposes a kind of method of raising foreign trade electric business platform Order success rate, including obtains Payment Card
Information and installation and checking module, comprise the steps of：
Step 1：Contrasted using the information and the prestored information in the correction verification module of the Payment Card, carry out local authentication, institute
Correction verification module is stated at least one of verification plug-in unit, wireless authentication device and pluggable authenticating device；
Step 2:Contrasted using the information and the prestored information in the webserver of the Payment Card, the letter to the Payment Card
Breath carries out network authentication；
Step 3：Final result is exported according to the conclusion of the local authentication or the network authentication.
Preferably, the mode of the information for obtaining Payment Card includes manually entering payment card information and transferring storing
At least one of payment card information.
In such scheme preferably, the prestored information includes the payment card information for having stored, limits card information, goes through
At least one of history Transaction Information and information.
In such scheme preferably, the historical transactional information includes that exchange hour, dealing money, Fail Transaction are former
At least one of cause, Fail Transaction type.
In such scheme preferably, the correction verification module can by network automatic updating data, and by bluetooth,
At least one of wireless network, cable network, USB interface, RS485 interfaces and other communication interfaces and for submitting to Payment Card to believe
The equipment of breath is connected.
In such scheme preferably, the step 1 is the letter according to local authentication rule to the Payment Card
Breath is judged.
In such scheme preferably, the local authentication rule is whether the card number for judging the Payment Card belongs to limit
Fabrication.
In such scheme preferably, whether the local authentication rule also to be the reason for the last Fail Transaction
Single user under black list user or high frequency time in database.
In such scheme preferably, whether the local authentication rule also to be the reason for the last Fail Transaction
Have input the credit card CVV of mistake.
In such scheme preferably, information of the step 2 according to network authentication rule to the Payment Card
Determined whether.
In such scheme preferably, the network authentication rule is to judge whether the Payment Card is Gift Card or pre-
Fu Ka.
In such scheme preferably, the network authentication rule is also to judge whether last transaction failure cause is remaining
Volume is not enough and this Submit Amounts is more than or equal to last time.
In such scheme preferably, the network authentication rule be also when last transaction failure cause be refuse or
When do not honor, judge that whether this was submitted to apart from time last time less than or equal to very first time threshold value.
In such scheme preferably, the network authentication rule is also to judge whether the Payment Card did and be related to
Secondary Committing Mechanism.
In such scheme preferably, the network authentication rule is also when the Payment Card did secondary submission
Wait, judge that whether this was submitted to apart from time last time less than or equal to very first time threshold value.
In such scheme preferably, the network authentication rule is also to judge that whether last transaction failure cause be：
A1, the Payment Card are to report the loss card；
A2, the Payment Card are stolen card；
A3, the Payment Card are locking card；
A4, the Payment Card are limited fabrication.
In such scheme preferably, the final result is submitted to for permission or refuses to submit to.
In such scheme preferably, when having following situations to occur, the final result is submitted to for permission：
B1, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is the credit card that have input mistake
CVV；
B2, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card, judges that last time failure cause is that Sorry, your ticket has not enough value, and this Submit Amounts is little
In last time；
B3, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card, failure cause is refuse or do not honor, this submit to away from
It was more than very first time threshold value from time last time；
B4, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is not Gift Card or prepaid card, is related to and did not did secondary submission；
B5, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is not Gift Card or prepaid card, did secondary submission, and this was submitted to apart from time last time more than the
One time threshold.
In such scheme preferably, when having following situations to occur, the final result is submitted to for refusal：
C1, the Payment Card are limited fabrication；
The reason for C2, the last Fail Transaction is single user under black list user or high frequency time in database；
C3, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card and judges that last time failure cause is that Sorry, your ticket has not enough value and this Submit Amounts
More than or equal to last time；
C4, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card, failure cause is refuse or do not honor, this submit to away from
Very first time threshold value was less than or equal to from time last time；
C5, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV is not Gift Card or prepaid card when the classification of Payment Card, does secondary submission, and this submission was less than or equal to apart from time last time
Very first time threshold value；
C6, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card, failure cause is the Payment Card to report the loss card or stolen card or locking card
Or restriction card.
In such scheme preferably, when the final result is submitted to for refusal, according to situation feedback correspondence
Information is to payment user.
A second aspect of the present invention proposes a kind of system of raising foreign trade electric business platform Order success rate, including for obtaining
The acquisition module of payment card information is taken, also comprising with lower module：
Correction verification module：To verify at least one of plug-in unit, wireless authentication device and pluggable authenticating device；
Local authentication module：For being contrasted with the prestored information in the correction verification module using the information of the Payment Card, carry out
Local authentication；
Network authentication module：Contrasted using the information and the prestored information in the webserver of the Payment Card, to the payment
The information of card carries out network authentication；
As a result output module：For exporting final result according to the conclusion of the local authentication or the network authentication.
Preferably, the mode for obtaining payment card information includes manually entering payment card information and transferring store propping up
Pay at least one of card information.
In such scheme preferably, the prestored information includes the payment card information for having stored, limits card information, goes through
At least one of history Transaction Information and information.
In such scheme preferably, it is characterised in that the historical transactional information includes exchange hour, trade gold
At least one of volume, Fail Transaction reason, Fail Transaction type.
In such scheme preferably, the correction verification module can by network automatic updating data, and by bluetooth,
At least one of wireless network, cable network, USB interface, RS485 interfaces and other communication interfaces and for submitting to Payment Card to believe
The equipment of breath is connected.
In such scheme preferably, it is characterised in that the local authentication module is according to local authentication rule to institute
State the function that the information of Payment Card is judged.
In such scheme preferably, it is characterised in that the local authentication rule is the card for judging the Payment Card
Number whether belong to restriction card.
In such scheme preferably, it is characterised in that the local authentication rule is also the last Fail Transaction
The reason for be whether single user under black list user or high frequency time in database.
In such scheme preferably, whether the local authentication rule also to be the reason for the last Fail Transaction
Have input the credit card CVV of mistake..
In such scheme preferably, the network authentication module has according to network authentication rule to described
Pay the function that the information of card is determined whether.
In such scheme preferably, the network authentication rule is to judge whether the Payment Card is Gift Card or pre-
Fu Ka.
In such scheme preferably, the network authentication rule is also to judge whether last transaction failure cause is remaining
Volume is not enough and this Submit Amounts is more than or equal to last time.
In such scheme preferably, the network authentication rule be also when last transaction failure cause be refuse or
When do not honor, judge that whether this was submitted to apart from time last time less than or equal to very first time threshold value.
In such scheme preferably, the network authentication rule is also to judge whether the Payment Card did and be related to
Secondary Committing Mechanism.
In such scheme preferably, the network authentication rule is also when the Payment Card did secondary submission
Wait, judge that whether this was submitted to apart from time last time less than or equal to very first time threshold value.
In such scheme preferably, the network authentication rule is also to judge that whether last transaction failure cause be：
A1, the Payment Card are to report the loss card；
A2, the Payment Card are stolen card；
A3, the Payment Card are locking card；
A4, the Payment Card are limited fabrication.
In such scheme preferably, the final result is submitted to for permission or refuses to submit to.
In such scheme preferably, when having following situations to occur, the final result is submitted to for permission：
B1, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is the credit card that have input mistake
CVV；
B2, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card, judges that last time failure cause is that Sorry, your ticket has not enough value, and this Submit Amounts is little
In last time；
B3, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card, failure cause is refuse or do not honor, this submit to away from
It was more than very first time threshold value from time last time；
B4, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is not Gift Card or prepaid card, is related to and did not did secondary submission；
B5, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is not Gift Card or prepaid card, did secondary submission, and this was submitted to apart from time last time more than the
One time threshold.
In such scheme preferably, when having following situations to occur, the final result is submitted to for refusal：
C1, the Payment Card are limited fabrication；
The reason for C2, the last Fail Transaction is single user under black list user or high frequency time in database；
C3, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card and judges that last time failure cause is that Sorry, your ticket has not enough value and this Submit Amounts
More than or equal to last time；
C4, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card, failure cause is refuse or do not honor, this submit to away from
Very first time threshold value was less than or equal to from time last time；
C5, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV is not Gift Card or prepaid card when the classification of Payment Card, does secondary submission, and this submission was less than or equal to apart from time last time
Very first time threshold value；
C6, while meeting following condition：The Payment Card is not belonging to limit card, is not data the reason for the last Fail Transaction
The reason for single user under black list user or high frequency time in storehouse, the last Fail Transaction is not the credit card that have input mistake
CVV, when the classification of Payment Card is Gift Card or prepaid card, failure cause is the Payment Card to report the loss card or stolen card or locking card
Or restriction card.
In such scheme preferably, when the final result is submitted to for refusal, according to situation feedback correspondence
Information is to payment user.
The enforcement of the present invention can effectively improve foreign trade electric business platform and pay success rate, reduce the gathering of foreign trade electric business platform
Cost, significantly improves the payment experience of client, and to foreign trade electric business platform and user practical benefit is brought.
Description of the drawings
Fig. 1 is an a kind of preferred embodiment of the method for the raising foreign trade electric business platform Order success rate according to the present invention
Schematic flow sheet.
Fig. 2 is an a kind of preferred embodiment of the system of the raising foreign trade electric business platform Order success rate according to the present invention
Module map
Fig. 3 is a kind of payment of a preferred embodiment of the system of the raising foreign trade electric business platform Order success rate according to the present invention
Card classification chart
Fig. 4 is a kind of use of a preferred embodiment of the method for the raising foreign trade electric business platform Order success rate according to the present invention
The information flow procedure chart of Credit Card Payments.
Fig. 5 is an a kind of preferred embodiment of the method for the raising foreign trade electric business platform Order success rate according to the present invention
The schematic flow sheet of correction verification module using method.
Specific embodiment
Embodiment 1
As shown in Figure 1 and Figure 2, execution step 100, are input into the payment card number of user or from database in acquisition module 200
The payment card number of the user being stored in database, execution step 110, the card number that system is provided according to user are transferred in 240
Card number is authenticated in local authentication module 210, whether the card number for first determining whether the card is limited fabrication bin, if limit
Fabrication bin, then execution step 180, " transaction is rejected, please be using other silver to point out user by result output module 230
Row card is contacted with your bank card credit card issuer ".If not card bin is limited, then execution step 120, judge failure recently
Whether reason is single user under black list user or high frequency time in database, if being in database the reason for failure recently
Single user under black list user or high frequency time, then execution step 180, by result output module 230 user's " transaction quilt is pointed out
Refusal, please contact using other bank cards or with your bank card credit card issuer ".If not being recently database the reason for failure
In black list user or high frequency time under single user, then whether execution step 130 are CVC the reason for judge failure recently
delined.If being recently CVC delined the reason for failure, execution step 170 is pointed out by result output module 230
User can normally submit pay invoice to.It is not recently CVC delined the reason for failure, then execution step 140, enter into net
In network authentication module 220, judge whether the Payment Card is prepaid card or Gift Card, following four kinds of situations can be produced：
1st, it is prepaid card or Gift Card, execution step 141 judges whether last time failure cause is that Sorry, your ticket has not enough value and this submits gold to
Volume is more than or equal to last time；
2nd, it is prepaid card or Gift Card, execution step 150 judges whether last time failure cause is donothonor；
3rd, it is not prepaid card or Gift Card, execution step 142 judges whether the Payment Card is card or stolen card or locks card or limit
Fabrication；
4th, it is not prepaid card or Gift Card, secondary submission was done and be related to execution step 151 when judging.
When being the first situation, if last time failure cause be for Sorry, your ticket has not enough value and this Submit Amounts more than etc.
In last time, then execution step 180, " transaction is rejected, please be using other silver to point out user by result output module 230
Row card is contacted with your bank card credit card issuer ".If last time failure cause is for Sorry, your ticket has not enough value and this Submit Amounts is less than
Last time, then execution step 170, point out user normally to submit pay invoice to by result output module 230.
When being second situation, if last time failure cause is do not honor, execution step 160 is sentenced
Break this submit to apart from last time submit to time whether within 10 minutes.If within 10 minutes, execution step 180,
" transaction is rejected, please be using other bank cards or the bank card hair fastener with you to point out user by result output module 230
Row contact ".If it exceeds 10 minutes.Then execution step 170, point out user normally to submit payment to by result output module 230
Order.
When being the third situation, if the Payment Card is to report the loss card or stolen card or lock card or limit card,
Execution step 143, forbids client to submit transaction payment application to again by the prompting of result output module 230.If the Payment Card
It is not to report the loss card or stolen card or lock card or limit card, then execution step 180, by result output module 230 user is pointed out
" transaction is rejected, and please contact using other bank cards or with your bank card credit card issuer ".
When being the 4th kind of situation, if doing and being related to secondary submission, execution step 160 judges that this is carried
Hand over apart from last time submit to time whether within 10 minutes.If within 10 minute, execution step 180, by result
The prompting user of output module 230 " transaction is rejected, and please contact using other bank cards or with your bank card credit card issuer ".
If it exceeds 10 minutes.Then execution step 170, point out user normally to submit pay invoice to by result output module 230.If
Secondary submission was done but be not related to, then execution step 170, and pointed out user normally to submit to payment to order by result output module 230
It is single.
Embodiment 2
When there is situations below, can be submitted to by system refusal using the application of Payment Card pay invoice, point out user's " transaction
It is rejected, please contacts using other bank cards or with your bank card credit card issuer "：
1st, overdue card；2nd, invalid credit card number；3rd, invalid due date；4th, it is valueless；5th, account's size error is blocked；6th, do not have
There is such publisher；7th, credit card issue business refusal CVV；8th, voice authorization is needed.9th, the card that may be lost；10th, may quilt
Steal card；11st, it is accused of swindle；12nd, holder stops charging；13rd, holder stops all chargings；14th, invalid transaction；15th, in violation of rules and regulations；
16th, safety is violated；17th, the holder of refusal-renewal can use；18th, processor does not support this function；19th, encryption errors；20th, take
Business expense is not allowed；21st, inconsistent data；22nd, do not take action；23rd, contrary mandate cannot be found；24th, reversed；
25th, invalid authorization code；26th, refusal-requirement approval；27th, mistake-should not retry, calls publisher；28th, refusal-calling distribution
People；29th, publisher is phoned.Pickup card；30th, invalid SKU numbers；31st, invalid credit plan；32nd, credit card number is not
Matching payment method；33rd, invalid third level purchase；34th, card report is lost or stolen；35th, invert the amount of money and mismatch warrant quantity；36、
Businessman is not that Master Card SecureCode is enabled；37th, address validation failure；38th, address validation and Card Security Code fail；
39th, invalid transaction data；40th, the invalid amount of tax to be paid；41st, PayPal business accounts preference causes Fail Transaction；42nd, invalid currency
Code；43rd, more than reimbursement time restriction；44th, the restriction of PayPal business accounts；45th, authorize expired；46PayPal business accounts
Locking is closed；47th, PayPal blockings repeat order ID；48th, PayPal buyers cancel this authority to pay；49th, PayPal gatherings
People account is invalid or does not confirm Email；50th, the electronic mail formats of PayPal payee are incorrect；51st, PayPal is tested
Card mistake；52nd, processor or bank are reduced in PayPal account fund instrument, or cannot be used for paying；53rd, payer account
It is locked or closes；54 and PayPal transaction requestees can not pay；55th, due to PayPal transaction refusal risk models；
56th, PayPal merchant accounts configuration error；57th, the pending payments of PayPal are not supported；58th, domestic PayPal transaction-based requirements；59、
PayPal needs telephone number；60th, the tax information of PayPal is required；61st, PayPal payee prevents transaction；62、PayPal
Transaction is beyond restriction；63rd, your account of the Reference Transactions not enabled of PayPal；64th, currency does not enable your PayPal seller's account
Family；65th, the Email of PayPal payee allows this request to be rejected；66th, PayPal account configurations are not returned and exceeded
Settlement amounts.
Embodiment 3
As shown in figure 3, Payment Card 300 includes credit card（Credit card）310th, debit card 320 and prepaid card 330.According to payer
Formula is divided, and wherein credit card and the ratio actively shared by card are higher.Prepaid card is mainly part commercial undertaking, bank
The credit card of certain amount of money that prestored of holder's distribution, the usually granting in the form of marketing or welfare, the letter of non-real name
With Card Type, and the country or trade company for using can be limited.Particularly by taking the U.S. as an example, prepaid card circulation is larger, and typically
Restriction can only be used in the U.S..For such case, when holder is after credit card payment information is submitted to, Foreign trade electronic commerce is put down
Platform inquiry database in store KabinKu record prepayment card information, if matching if, then directly point out client " you
Credit card can not carry out cross-border transaction due to the restriction of credit card issuer, please change other credits card and be paid or contacted credit card issuer
Confirmed ".
Embodiment 4
As shown in figure 4, Foreign trade electronic commerce platform client（Overseas holder）400 use letter in foreign trade e-commerce platform 410
The information flow process paid with card.In figure, holder is numbered 400, and Foreign trade electronic commerce platform is numbered 420, first
Pay gateway and be numbered 420, the second payment gateway is numbered 421, and the 3rd payment gateway is numbered 422, and the first receipts single file is numbered
430, the second receipts single file is numbered 431, and the 3rd receipts single file is numbered 432, and the 4th receipts single file is numbered 433, corresponding card tissue
440 are numbered, credit card issuer is numbered 450.
1st, holder 400 chooses commodity in foreign trade e-commerce platform 410, selects pay invoice, and is input into correspondence credit card
Card number, the term of validity, CVV information, click on and confirm to pay.
2nd, the payment information of client is forwarded to corresponding first payment gateway 420 or the by Foreign trade electronic commerce platform 410
Two payment gateways 421, the 3rd payment gateway 422.
3rd, so that payment information to be forwarded to foreign trade e-commerce platform 410 first payment gateway 410 as an example, first pays net
Close and 410 receive after the payment information of holder 400, request will be paid according to the card bin or other factors of holder and be forwarded to the
One receives single file 430 or second receives the receipts single file 432 of single file the 431, the 3rd.
4th, so that the Credit Card Payments request person of being forwarded to second is received single file 431 by the first payment gateway 410 as an example, person second receives
Single file 431 is received after credit card payment information, and corresponding card is forwarded to by request is paid according to corresponding credit card brand message
Tissue 440.
5th, payment information is sent to credit card issuer 450 and is processed by card tissue 440 according to the information of client credit card.
6th, after air control assessment, the payment request to holder is authorized credit card issuer 450.
7th, the result of payment authorization is returned again to Foreign trade electronic commerce platform 410 by original request path.
Embodiment 5
As shown in figure 5, execution step 500, User logs in foreign trade electric business platform, enter the payment link that places an order.Execution step 510
Judge whether to be mounted with correction verification module, if being fitted without correction verification module, judge the type for needing correction verification module to be mounted, if
It is verification plug-in unit, then order execution step 511 and step 520, verification plug-in unit are downloaded from network and is installed in systems, are installed
After the completion of proceed by local authentication.If wireless authentication device or pluggable authenticating device, then order execution step 512
With step 520, download from network and drive and install, local authentication is proceeded by after installation.If being mounted with school
Module is tested, then execution step 520, proceed by local authentication.Execution step 530, when card number is ready for, ejects soft
Keyboard, starts to be input into card number.Execution step 540, determines whether to limit card, if limiting card, then execution step 580, bullet
Go out dialog box " the Payment Card exception, please change Payment Card, and abnormal cause is limited fabrication for the Payment Card ".If not restriction
Card, then execution step 550, judge whether the reason for failing recently is single user under black list user or high frequency time, if recently
The reason for failure is single user under black list user or high frequency time, then execution step 580, pop-up dialogue box " the Payment Card exception,
Payment Card please be change, it is single user under black list user or high frequency time that abnormal cause is the Payment Card ".If the original of failure recently
Because being not single user under black list user or high frequency time, then execution step 560, judge whether the reason for last transaction fails is defeated
The CVV of mistake is entered.If the reason for last transaction fails is the CVV that have input mistake, execution step 580, dialogue is ejected
" the Payment Card exception, please change Payment Card to frame, and abnormal cause is that the reason for payment card transaction fails have input mistake
CVV”.If the reason for last transaction fails is not the CVV that have input mistake, execution step 570, into network authentication.
Correction verification module in the present embodiment can be verification plug-in unit, wireless authentication device, pluggable authenticating device and its
The equipment that he can be authenticated, correction verification module can be updated the data from regular or real-time network, and preserved user and paid into
The information of the Payment Card of work(, can directly invoke the information direct payment order of the Payment Card when next client uses.
The application of this correction verification module, can shorten the step of auditing user's payment card information and time, reduce the expenditure of expense and simultaneously improve
The payment experience of client.
For a better understanding of the present invention, it is described in detail above in association with the specific embodiment of the present invention, but is not
Limitation of the present invention.Every technical spirit according to the present invention still belongs to any simple modification made for any of the above embodiments
In the scope of technical solution of the present invention.What each embodiment was stressed in this specification be it is different from other embodiments it
Place, same or analogous part cross-reference between each embodiment.For system embodiment, due to itself and method
Embodiment is corresponded to substantially, so description is fairly simple, related part is illustrated referring to the part of embodiment of the method.
The method of the present invention and system may be achieved in many ways.For example, can by software, hardware, firmware or
Software, hardware, any combinations of firmware are realizing the method for the present invention and system.For said sequence the step of methods described
Merely to illustrate, order described in detail above is not limited to the step of the method for the present invention, it is special unless otherwise
Do not mentionlet alone bright.Additionally, in certain embodiments, also the present invention can be embodied as recording program in the recording medium, these programs
Including for realizing the machine readable instructions of the method according to the invention.Thus, the present invention also covers storage for performing basis
The recording medium of the program of the method for the present invention.
Description of the invention is given for the sake of example and description, and is not exhaustively or by the present invention
It is limited to disclosed form.Many modifications and variations are for the ordinary skill in the art obvious.Select and retouch
It is to more preferably illustrate the principle and practical application of the present invention, and one of ordinary skill in the art is managed to state embodiment
The present invention is solved so as to design the various embodiments with various modifications for being suitable to special-purpose.
Claims (10)
1. a kind of method for improving foreign trade electric business platform Order success rate, including the information and installation and checking mould for obtaining Payment Card
Block, it is characterised in that also comprise the steps of：
Step 1：Contrasted using the information and the prestored information in the correction verification module of the Payment Card, carry out local authentication, institute
Correction verification module is stated at least one of verification plug-in unit, wireless authentication device and pluggable authenticating device；
Step 2：Contrasted using the information and the prestored information in the webserver of the Payment Card, the information to the Payment Card
Carry out network authentication；
Step 3：Final result is exported according to the conclusion of the local authentication or the network authentication.
2. it is according to claim 1 improve foreign trade electric business platform Order success rate method, it is characterised in that the acquisition
The mode of the information of Payment Card includes manually entering payment card information and transferring store at least one of payment card information.
3. it is according to claim 2 improve foreign trade electric business platform Order success rate method, it is characterised in that it is described to prestore
Information includes the payment card information for having stored, limits at least one of card information, historical transactional information and information.
4. it is according to claim 3 improve foreign trade electric business platform Order success rate method, it is characterised in that the history
Transaction Information includes at least one of exchange hour, dealing money, Fail Transaction reason, Fail Transaction type.
5. it is according to claim 1 improve foreign trade electric business platform Order success rate method, it is characterised in that the verification
Module can by network automatic updating data, and by bluetooth, wireless network, cable network, USB interface, RS485 interfaces and
At least one of other communication interfaces be connected for the equipment of submitting payment card information to.
6. it is according to claim 1 improve foreign trade electric business platform Order success rate method, it is characterised in that the step
1 is that the information of the Payment Card is judged according to local authentication rule.
7. the method for improving foreign trade electric business platform Order success rate according to claim 6, it is characterised in that described local
Certification rule is whether the card number for judging the Payment Card belongs to restriction card.
8. the method for improving foreign trade electric business platform Order success rate according to claim 7, it is characterised in that described local
Whether certification rule is also to be single user under black list user or the high frequency time in database the reason for the last Fail Transaction.
9. the method for improving foreign trade electric business platform Order success rate according to claim 8, it is characterised in that described local
Whether the reason for certification rule is also the last Fail Transaction is the credit card CVV that have input mistake.
10. a kind of system for improving foreign trade electric business platform Order success rate, including for obtaining the acquisition module of payment card information,
Characterized in that, also including with lower module：
Correction verification module：To verify at least one of plug-in unit, wireless authentication device and pluggable authenticating device；
Local authentication module：For being contrasted with the prestored information in the correction verification module using the information of the Payment Card, carry out
Local authentication；
Network authentication module：Contrasted using the information and the prestored information in the webserver of the Payment Card, to the payment
The information of card carries out network authentication；
As a result output module：For exporting final result according to the conclusion of the local authentication or the network authentication.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201611162403.1A CN106651360A (en) | 2016-12-15 | 2016-12-15 | Method and system for improving foreign trade e-commerce platform order success rate |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201611162403.1A CN106651360A (en) | 2016-12-15 | 2016-12-15 | Method and system for improving foreign trade e-commerce platform order success rate |
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ID=58823368
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| CN201611162403.1A Pending CN106651360A (en) | 2016-12-15 | 2016-12-15 | Method and system for improving foreign trade e-commerce platform order success rate |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113159885A (en) * | 2021-04-01 | 2021-07-23 | 上海宏彧数字科技有限公司 | E-commerce platform virtual commodity order delivery method |
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| CN105654284A (en) * | 2015-12-23 | 2016-06-08 | 小米科技有限责任公司 | Payment processing method and device |
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Effective date of registration: 20180720 Address after: 100080 1-701-1 seven, level 28, Cheng Fu Road, Haidian District, Beijing. Applicant after: Digital Trade Technology (Beijing) Co., Ltd. Address before: 100083 floor 8, A block, you Sheng mansion, 28 Cheng Fu Road, Haidian District, Beijing. Applicant before: Century Light Technology Development (Beijing) Co., Ltd. |
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Application publication date: 20170510 |
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