CN106897868A - Across national boundaries e-commerce platform buyer's credit card effective period update method and system - Google Patents
Across national boundaries e-commerce platform buyer's credit card effective period update method and system Download PDFInfo
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- CN106897868A CN106897868A CN201710097632.8A CN201710097632A CN106897868A CN 106897868 A CN106897868 A CN 106897868A CN 201710097632 A CN201710097632 A CN 201710097632A CN 106897868 A CN106897868 A CN 106897868A
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- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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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
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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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
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The present invention relates to a kind of across national boundaries e-commerce platform buyer's credit card effective period update method and system, wherein methods described includes：Buyer's credit card effective period active more new system and buyer's credit card effective period immediate updating system；Actively more new system is that e-commerce platform is periodically actively updated to buyer's credit card effective period to buyer's credit card effective period, and e-commerce platform establishes client credit card data model, and client credit card data model includes：Credit card effective period automatically updates information and client credit card token information.Across national boundaries e-commerce platform buyer credit card effective period update method of the present invention, solve across national boundaries B2B E-commerce platform A buyer's credit card effective period it is expired after, the problem that cannot normally pay, effectively improves client and pays experience, while improve payment success rate.
Description
Technical field
It is to be related to a kind of across national boundaries electronics business specifically the present invention relates to a kind of across national boundaries e-commerce field
Business platform buyer's credit card effective period update method and system.
Background technology
Across national boundaries e-commerce platform is used as the transnational across national boundaries platform towards the multiple countries of global 200d, client time
The cloth whole world, including individual client, enterprise, government etc..Credit card is used as the most frequently used payment of across national boundaries field client
Mode, accounts for the payment of across national boundaries e-commerce platform more than 95%.Usual credit card has in distribution process and certain has
The effect phase, generally 5 years or 10 years, will be unable to be normally carried out transaction after credit card is expired.
In actual business, in order to improve the customer experience of across national boundaries e-commerce platform, reduce client and paying
The situation of credit card information is repeatedly input in link, across national boundaries e-commerce platform typically can be by the credit card information of holder
It is stored encrypted in database, is not stored for CVV information.When so client buys again, it is only necessary to be input into CVV information
Can just complete to pay, it is convenient and swift.Due to across national boundaries e-commerce platform recognizing by most stringent of data security arts
Card PCI, so such storage mode is also to close rule.But problem with, after credit card is expired, in many cases,
Holder often forgets to be updated in across national boundaries e-commerce platform, and only when payment gateway return credit card is expired
Information, and be prompted to after client by across national boundaries e-commerce platform, being resubmited after client's modification could pay successfully.
Generally, credit card issuer can just contact holder and provide new credit card again in the expired earlier month of holder's credit card,
The new term of validity can be corresponded to stylish credit card.
Under existing pattern, client often get used to directly input CVV form paid or some channels across
State's trade e-commerce platform also allows client not to be input into CVV can just be completed to pay, and this does not have also for the client conveniently having
There is the custom for carrying with credit card, so after credit card is expired, it is possible to cause holder because forgetting neocaine
The term of validity and cause the behavior that client cannot pay, and then customer experience and GMV to across national boundaries e-commerce platform is made
Into adverse effect.
The content of the invention
For above-mentioned deficiency of the prior art, the present invention provides a kind of solution across national boundaries B2B E-commerce platform A's
After buyer's credit card effective period is expired, it is impossible to which the normal across national boundaries e-commerce platform buyer credit card effective period for paying updates
Method.
The technical solution used in the present invention is：
A kind of across national boundaries e-commerce platform buyer credit card effective period update method, including e-commerce platform, including：Buy
Family's credit card effective period active more new system and buyer's credit card effective period immediate updating system.
Preferably, actively more new system is e-commerce platform periodically actively to buyer's credit to buyer's credit card effective period
The card term of validity is updated.
In any of the above-described scheme preferably, e-commerce platform establishes client credit card data model.
In any of the above-described scheme preferably, client credit card data model includes：Credit card effective period is automatically updated
Information and client credit card token information；
Credit card effective period automatically updates information：For recording the fresh information of holder's credit card effective period；
Client credit card token information；For recording the credit card token that holder stores in across national boundaries e-commerce platform
Information.
In any of the above-described scheme preferably, E-commerce platform system timing daily is searched credit card effective period and is updated
The term of validity is less than or equal to the record in setting time limit to current date in information.
In any of the above-described scheme preferably, whether the corresponding renewal time is recorded to current time less than or equal to setting
Time limit.
In any of the above-described scheme preferably, across national boundaries e-commerce platform buyer's credit card effective period update method
Comprise the following steps：
The term of validity is initiated to payment gateway update request；
Term of validity renewal request is forwarded to receipts single file by payment gateway；
Receive single file and term of validity renewal request is gone into international card tissue again；
International card tissue returns to the term of validity information of credit card；
Across national boundaries e-commerce platform updates the term of validity information of credit card, and when updating the recent renewal of credit card effective period
Between.
In any of the above-described scheme preferably, the renewal step of buyer's credit card effective period immediate updating system is as follows：
Step 1, holder browses commodity in across national boundaries e-commerce platform, and places an order；
Step 2, holder is input into corresponding credit card information；
The payment request of holder is forwarded to payment gateway and is processed by step 3, across national boundaries e-commerce platform；
The payment information of holder is forwarded to receipts single file treatment by step 4, payment gateway；
Step 5, receives single file by request is paid and is forwarded to international card tissue treatment；
Step 6, international card tissue passes information to credit card issuer treatment；
Step 7, credit card issuer carries out authorisation process；
Step 8, across national boundaries e-commerce platform completes or terminates to pay according to the result for authorizing.
In any of the above-described scheme preferably, credit card information includes：Credit card number, the term of validity, CVV and
Billing information.
In any of the above-described scheme preferably, if in step 8 credit card issuer authorization failure, wherein failure cause is credit
The card term of validity is expired, then judge whether holder sets credit card effective period and automatically update, if be not provided with, directly prompting is held
Card people's credit card effective period is expired, please update term of validity information.
In any of the above-described scheme preferably, if in step 8 credit card issuer authorization failure, wherein failure cause is credit
The card term of validity is expired, then judge whether holder sets credit card effective period and automatically update, transnational if setting is automatically updated
Trading electronic commerce platform is initiated credit card effective period and updates request to payment gateway first, is got the new term of validity and is updated
After success, Credit Card Payments request is organized again；After submitting to mandate to pass through again, the prompting of across national boundaries e-commerce platform holds
People pays successfully, and updates order status.
In any of the above-described scheme preferably, buyer's credit card effective period immediate updating system is right after buyer places an order
Buyer's credit card effective period is updated.
In any of the above-described scheme preferably, step is updated such as to buyer's credit card effective period after buyer places an order
Under：
The payment request of holder is forwarded to payment gateway and is processed by across national boundaries e-commerce platform；
The payment information of holder is forwarded to receipts single file treatment by payment gateway；
Receive single file and be forwarded to international card tissue treatment by request is paid；
International card tissue passes information to credit card issuer treatment；
Credit card issuer carries out authorisation process；
Across national boundaries e-commerce platform completes or terminates to pay according to the result for authorizing.
In any of the above-described scheme preferably, if credit card issuer authorization failure, wherein failure cause are that credit card is effective
Phase is expired, then judge whether holder sets credit card effective period and automatically update, if be not provided with, directly points out holder's letter
It is expired with the card term of validity, term of validity information please be update.
In any of the above-described scheme preferably, if credit card issuer authorization failure, wherein failure cause are that credit card is effective
Phase is expired, then judge whether holder sets credit card effective period and automatically update, if setting is automatically updated, across national boundaries electricity
Sub- business platform is initiated credit card effective period and updates request to payment gateway first, is got the new term of validity and is updated successfully
Afterwards, tissue Credit Card Payments request again；After submitting to mandate to pass through again, across national boundaries e-commerce platform prompting holder's branch
Pay successfully, and update order status.
In any of the above-described scheme preferably, buyer sets credit card effective period certainly on across national boundaries ecommerce backstage
Dynamic more new option；
Across national boundaries e-commerce platform judges whether the Card Type of client is GIFT or PREPAID cards；If not
GIFT or PREPAID cards, are that buyer's registration credit card effective period automatically updates information, and it is normal to point out buyer's status of credit card；
If the credit card of GIFT or PREPAID cards prompting client's the type is not supported to automatically update the term of validity.
In any of the above-described scheme preferably, a kind of across national boundaries e-commerce platform buyer credit card effective period updates
Method, comprises the following steps：
1st, holder browses commodity in across national boundaries e-commerce platform；
2nd, holder places an order；
3rd, holder is input into corresponding credit card information, such as credit card number, the term of validity, CVV and billing information；
4th, across national boundaries e-commerce platform initialization payment information；
5th, the payment request of holder is forwarded to payment gateway and is processed by across national boundaries e-commerce platform；
6th, the payment information of holder is forwarded to receipts single file treatment by payment gateway；
7th, receive single file and be forwarded to international card tissue treatment by request is paid；
8th, international card tissue passes information to credit card issuer treatment；
9th, credit card issuer carries out authorisation process；
10th, international card tissue forwarding payment result；
11st, single file forwarding payment result is received；
12nd, payment gateway forwarding payment result；
13rd, judge whether to pay successfully；Pay successfully, point out to pay successfully；Pay unsuccessful, judge whether credit card is expired；
14th, judge that credit card is expired, point out holder to pay failure cause；
15th, judge that credit card does not have expired, judge whether that setting credit card effective period updates；
16th, credit card effective period renewal is not provided with, points out holder to pay failure cause；
17th, configured credit card effective period updates, and the forwarding term of validity updates request and gives receipts single file；
18th, card hoc queries term of validity information；
19th, term of validity information is returned；
20th, new term of validity information is updated, platform initialization payment information is returned to, into normal payment flow.
A kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform service
Device, the e-commerce platform server includes that actively more new system and buyer's credit card effective period are buyer's credit card effective period
When more new system.
Preferably, buyer's credit card effective period actively updates system at regular intervals and actively buyer's credit card effective period is carried out more
Newly.
In any of the above-described scheme preferably, e-commerce platform server establishes client credit card data model.
In any of the above-described scheme preferably, the client credit card data model includes：Credit card effective period is automatic
Fresh information and client credit card token information；
Credit card effective period automatically updates information：For recording the fresh information of holder's credit card effective period；
Client credit card token information；For recording the credit card token that holder stores in across national boundaries e-commerce platform
Information.
In any of the above-described scheme preferably, E-commerce platform system timing daily is searched credit card effective period and is updated
The term of validity is less than or equal to the record in setting time limit to current date in information.
In any of the above-described scheme preferably, whether the corresponding renewal time is recorded to current time less than or equal to setting
Time limit.
It is preferably in any of the above-described scheme, including：
Update request module：It is configured to initiate term of validity renewal request to payment gateway；
Payment gateway：It is configured and adapted to receive the term of validity renewal request for updating request module forwarding, and the request is turned
It is dealt into receipts single file；
Receive single line of data processing module：It is configured to receive the renewal request of payment gateway forwarding, and the term of validity is updated into request
Go to international card tissue；
International card tissue data processing module：It is configured to receive and process the term of validity for receiving the forwarding of single line of data processing module more
New request, information updating module is returned to by the term of validity information of credit card；
Information updating module：It is configured and adapted to receive the credit card effective period letter that international card tissue data processing module is returned
Breath, and update the term of validity information of the credit card and the recent renewal time of credit card effective period.
In any of the above-described scheme preferably, buyer's credit card effective period immediate updating system includes：
Merchandise display module：It is configured and adapted to holder and browses commodity and place an order；
Credit card information receiver module：Its credit card information for being configured to receive holder's input；
Payment gateway, its payment for being configured to the holder for receiving the forwarding of credit card information receiver module is asked and processed,
And the payment information is forwarded to receipts single file treatment；
Single line of data processing module is received, its payment information for being configured to the holder for receiving payment gateway forwarding is processed, and
Request will be paid and be forwarded to international card tissue treatment；
International card tissue data processing module：It is configured to receive and receives at the payment request of single line of data processing module forwarding
Reason；And pass information to credit card issuer treatment；
Credit card issuer data processing module：It is configured to receive the information of international card tissue data processing module transmission and authorized
Treatment；
As a result output module：It is configured to according to the result for authorizing, and completes or terminate to pay.
In any of the above-described scheme preferably, credit card information includes：Credit card number, the term of validity, CVV and
Billing information.
In any of the above-described scheme preferably, if authorization failure, wherein failure cause is that credit card effective period is expired,
Then judge whether holder sets credit card effective period and automatically update, if be not provided with, result output module directly hold by prompting
Card people's credit card effective period is expired, please update term of validity information.
In any of the above-described scheme preferably, if authorization failure, wherein failure cause is that credit card effective period is expired,
Then judge whether holder sets credit card effective period and automatically update, if setting is automatically updated, sent out to payment gateway first
Play credit card effective period and update request, after getting the new term of validity and being updated successfully, Credit Card Payments request is organized again；Again
After secondary submission mandate passes through, as a result output module prompting holder pays successfully, and updates order status.
In any of the above-described scheme preferably, buyer's credit card effective period immediate updating system is right after buyer places an order
Buyer's credit card effective period is updated.
In any of the above-described scheme preferably, buyer's credit card effective period is updated after buyer places an order including：
The payment request of holder is forwarded into payment gateway to be processed；
The payment information of holder is forwarded to the processing module treatment of receipts single line of data by payment gateway；
Receive single line of data processing module and payment request is forwarded to the treatment of international card tissue data processing module；
International card tissue data processing module passes information to the treatment of credit card issuer data processing module；
Credit card issuer data processing module carries out authorisation process；
According to the result for authorizing, complete or terminate to pay.
In any of the above-described scheme preferably, if credit card issuer data processing module authorization failure, wherein failure cause
For credit card effective period is expired, then judge whether holder sets credit card effective period and automatically update, if be not provided with, directly
Prompting holder's credit card effective period is expired, please update term of validity information.
In any of the above-described scheme preferably, if credit card issuer data processing module authorization failure, wherein failure cause
For credit card effective period is expired, then judge whether holder sets credit card effective period and automatically update, if setting is automatically updated,
Then initiate credit card effective period to payment gateway first and update request, after getting the new term of validity and being updated successfully, group again
Knit Credit Card Payments request；After submitting to mandate to pass through again, holder is pointed out to pay successfully, and update order status.
A kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform service
Device, including：
Credit card effective period updates setup module, and it is configured and adapted to buyer's setting credit card effective period and automatically updates option；
Card Type judge module：Whether its Card Type for being configured to judge client is GIFT or PREPAID cards, if
It is not GIFT or PREPAID cards, is that buyer's registration credit card effective period automatically updates information, points out buyer's status of credit card for just
Often；If GIFT or PREPAID cards, then the credit card of client's the type is pointed out not support to automatically update the term of validity.
A kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform service
Device, the e-commerce platform server includes：
Merchandise display module：It is configured and adapted to holder and browses commodity and place an order；
Credit card information receiver module：It is configured to receive holder input credit card information, including credit card number, effectively
In phase, CVV and billing information at least one；
Information initializing module：It is configured to initialize payment information；
Payment gateway：Its payment request for being configured to receive holder is processed, and the payment information after treatment is transmitted to
Receive single file module；
Receive single line of data processing module module：It is configured at the payment information of the holder for receiving payment gateway forwarding
Reason, and the payment information after treatment is transmitted to international card tissue data processing module module；
International card tissue data processing module module：It is configured to receive the payment information, and the payment information is forwarded
To credit card issuer data processing module；
Credit card issuer data processing module：It is configured to receive the payment information and carries out authorisation process；By the payment after treatment
Information returns to international card tissue data processing module, receives single line of data processing module and payment gateway；
As a result output module：It is configured to judge whether to pay successfully；If paid successfully, point out to pay successfully；If branch
Pay unsuccessful, then judge whether credit card is expired；Judge that credit card is expired, point out holder to pay failure cause；Judge credit
Card judges whether that setting credit card effective period updates without expired；Credit card effective period renewal is not provided with, holder's branch is pointed out
Pay failure cause；If configured credit card effective period updates, the forwarding term of validity updates request and gives receipts single file；
Card tissue data processing module：It is configured to inquire about term of validity information；And return to the term of validity information；
Payment module：It is configured to update new term of validity information, returns to platform initialization payment information, into normal payment
Flow.
Present invention beneficial effect compared with the prior art：
Across national boundaries e-commerce platform buyer credit card effective period update method of the present invention, solves across national boundaries B2B electronics
After buyer's credit card effective period of business platform A is expired, it is impossible to the normal problem for paying, effectively improves client and pay body
Test, while improve payment success rate.In actual operation, across national boundaries e-commerce platform A annual buyer's credit card
Expired quantity 500,000 or so, if client not can effectively solve the problem that the problem in payment process for platform, to transnational trade
The potential loss that easy e-commerce platform is caused is up to millions of U.S. dollars.With the development of mobile payment, increasing client
Might not carry one's purse along and credit card, and the mechanism that the term of validity is automatically updated, it is ensured that client is once set, convenient branch
The demand paid, reaches the purpose for improving and paying success rate and GMV.
Brief description of the drawings
Fig. 1 is that the buyer of across national boundaries e-commerce platform buyer credit card effective period update method of the present invention sets credit
The schematic flow sheet that the card term of validity updates；
Fig. 2 be across national boundaries e-commerce platform buyer credit card effective period update method credit card effective period JOB of the present invention from
It is dynamic to update flowage structure schematic diagram；
Fig. 3 is the credit in the payment flow of across national boundaries e-commerce platform buyer credit card effective period update method of the present invention
The card term of validity updates schematic diagram.
Specific embodiment
Referring to the drawings and embodiment the present invention will be described in detail：
B2B：Electronic business mode of the Business to Business enterprises to enterprise；
Token：A kind of identification code as mark；
Gross Merchandise Volume refer to commodity transaction total amount；
CVC (CardVerificationCode) is Credit Card Verification Code, is the extra-code for being imprinted on back of credit cards, also referred to as
CVV。
Embodiment 1
Accompanying drawing 1-3 understands, is a kind of across national boundaries e-commerce platform buyer credit card effective period update method, including electronics business
Business platform, including：Buyer's credit card effective period active more new system and buyer's credit card effective period immediate updating system.
Actively more new system is e-commerce platform periodically actively to buyer's credit card effective period to buyer's credit card effective period
It is updated.
E-commerce platform establishes client credit card data model.
Client credit card data model includes：Credit card effective period automatically updates information and client credit card token information；
Credit card effective period automatically updates information：For recording the fresh information of holder's credit card effective period；
Client credit card token information；For recording the credit card token that holder stores in across national boundaries e-commerce platform
Information.
The term of validity is small to current date in the E-commerce platform system credit card effective period fresh information of timing lookup daily
In the record equal to the setting time limit, the record for being recorded as 90 days in time limit is set.
It is described record the corresponding renewal time to current time whether less than or equal to setting time limit, the time limit that this sets as
365 days.
The term of validity is initiated to payment gateway update request；
Term of validity renewal request is forwarded to receipts single file by payment gateway；
Receive single file and term of validity renewal request is gone into international card tissue again；
International card tissue returns to the term of validity information of credit card；
Across national boundaries e-commerce platform updates the term of validity information of credit card, and when updating the recent renewal of credit card effective period
Between.
The renewal step of buyer's credit card effective period immediate updating system is as follows：
Step 1, holder browses commodity in across national boundaries e-commerce platform, and places an order；
Step 2, holder is input into corresponding credit card information；
The payment request of holder is forwarded to payment gateway and is processed by step 3, across national boundaries e-commerce platform；
The payment information of holder is forwarded to receipts single file treatment by step 4, payment gateway；
Step 5, receives single file by request is paid and is forwarded to international card tissue treatment；
Step 6, international card tissue passes information to credit card issuer treatment；
Step 7, credit card issuer carries out authorisation process；
Step 8, across national boundaries e-commerce platform completes or terminates to pay according to the result for authorizing.
Credit card information includes：Credit card number, the term of validity, CVV and billing information.
If in step 8 credit card issuer authorization failure, wherein failure cause is that credit card effective period is expired, then judge holder
Whether set credit card effective period to automatically update, if be not provided with, directly point out holder's credit card effective period expired, please more
New term of validity information.
If in step 8 credit card issuer authorization failure, wherein failure cause is that credit card effective period is expired, then judge holder
Whether set credit card effective period to automatically update, if setting is automatically updated, across national boundaries e-commerce platform is first to branch
Pay gateway and initiate credit card effective period and update request, after getting the new term of validity and being updated successfully, credit card branch is organized again
Pay request；After submitting to mandate to pass through again, across national boundaries e-commerce platform prompting holder pay successfully, and more new order shape
State.
Buyer's credit card effective period immediate updating system is that buyer's credit card effective period is updated after buyer places an order.
Step is updated to buyer's credit card effective period after buyer places an order as follows：
The payment request of holder is forwarded to payment gateway and is processed by across national boundaries e-commerce platform；
The payment information of holder is forwarded to receipts single file treatment by payment gateway；
Receive single file and be forwarded to international card tissue treatment by request is paid；
International card tissue passes information to credit card issuer treatment；
Credit card issuer carries out authorisation process；
Across national boundaries e-commerce platform completes or terminates to pay according to the result for authorizing.
If credit card issuer authorization failure, wherein failure cause are that credit card effective period is expired, then judge whether holder sets
Put credit card effective period to automatically update, if be not provided with, directly point out holder's credit card effective period expired, please update effectively
Phase information.
If credit card issuer authorization failure, wherein failure cause are that credit card effective period is expired, then judge whether holder sets
Put credit card effective period to automatically update, if setting is automatically updated, across national boundaries e-commerce platform is first to payment gateway
Initiate credit card effective period and update request, after getting the new term of validity and being updated successfully, Credit Card Payments request is organized again；
After submitting to mandate to pass through again, across national boundaries e-commerce platform prompting holder pay successfully, and updates order status.
Buyer sets credit card effective period and automatically updates option on across national boundaries ecommerce backstage；
Across national boundaries e-commerce platform judges whether the Card Type of client is GIFT or PREPAID cards；If not
GIFT or PREPAID cards, are that buyer's registration credit card effective period automatically updates information, and it is normal to point out buyer's status of credit card；
If the credit card of GIFT or PREPAID cards prompting client's the type is not supported to automatically update the term of validity.
GIFT：Gift Card；
PREPAID：Prepaid card.
Embodiment 2
As shown in figure 1, buyer sets the flow that credit card effective period updates：
1st, buyer sets credit card effective period and automatically updates option on across national boundaries ecommerce backstage；
2nd, across national boundaries e-commerce platform judges whether the Card Type of client is GIFT or PREPAID cards, credit-card type
Type points out the credit card of client's the type not support to automatically update the term of validity if GIFT or PREPAID cards, then.GIFT and
PREPAID cards belong to the credit card of non-real name, and major part is provisional, so in the absence of the situation for needing the renewal term of validity.
3rd, Card Type is then automatically updated if not GIFT or PREPAID cards for buyer registers credit card effective period
Information, renewal automatically updates and is denoted as being that state is normal.
As shown in Fig. 2 credit card effective period JOB automatically updates flow：
System can regularly obtain the newest date of holder's term of validity by JOB daily.As a rule credit card issuer is being holder
, it is necessary to related credit card information is put on record in international card tissue after the new credit card of distribution.This is also of the invention
One of premise, i.e., we the credit card effective period more new interface of payment gateway is externally supplied to by introducing international card tissue, come
Obtain newest term of validity information.The purposes that the early stage term of validity updates is essentially consisted in during holder withholds the scene of charges for water and electricity.This
In often the public service such as water power needs to initiate request of deducting fees from trend holder in business, if it is expired to be directed to credit card
Situation, can be solved by way of the term of validity updates.In the present invention, the handling process of JOB is as follows：
1st, the daily start by set date credit card effective period of across national boundaries E-commerce platform system updates JOB.
2nd, system judges that credit card judges note of the term of validity to current date less than or equal to 90 days in term of validity fresh information
Record；
3rd, judge that whether such records the corresponding renewal time to current time less than or equal to 365 days, if less than being equal to, then
Do not process；
4th, if it is greater, then explanation credit card effective period does not update for a long time, then initiate the term of validity to payment gateway and update request；
5th, term of validity renewal request is forwarded to receipts single file by payment gateway；
6th, receive single file and term of validity renewal request is gone into international card tissue again；
7th, international card tissue returns to the term of validity information of credit card；
8th, across national boundaries e-commerce platform updates the term of validity information of credit card, and updates the recent renewal of credit card effective period
Time.
Embodiment 3
As shown in figure 3, when the credit card effective period for occurring in payment link is expired, across national boundaries ecommerce is put down
Whether platform sets renewal automatically according to holder, initiates to pay request, specific flow again so as to get the new term of validity
It is as follows：
1st, holder browses commodity in across national boundaries e-commerce platform；
2nd, holder places an order；
3rd, holder is input into corresponding credit card information, such as credit card number, the term of validity, CVV and billing information；
4th, across national boundaries e-commerce platform initialization payment information；
5th, the payment request of holder is forwarded to payment gateway and is processed by across national boundaries e-commerce platform；
6th, the payment information of holder is forwarded to receipts single file treatment by payment gateway；
7th, receive single file and be forwarded to international card tissue treatment by request is paid；
8th, international card tissue passes information to credit card issuer treatment；
7th, credit card issuer carries out authorisation process；
8th, international card tissue forwarding payment result；
9th, single file forwarding payment result is received；
10th, payment gateway forwarding payment result；
11st, judge whether to pay successfully；Pay successfully, point out to pay successfully；Pay unsuccessful, judge whether credit card is expired；
12nd, judge that credit card is expired, point out holder to pay failure cause；
13rd, judge that credit card does not have expired, judge whether that setting credit card effective period updates；
14th, credit card effective period renewal is not provided with, points out holder to pay failure cause；
15th, configured credit card effective period updates, and the forwarding term of validity updates request and gives receipts single file；
16th, card hoc queries term of validity information；
17th, term of validity information is returned；
18th, new term of validity information is updated, platform initialization payment information is returned to, into normal payment flow.
Embodiment 4
A kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform server,
E-commerce platform server includes buyer's credit card effective period actively more new system and buyer's credit card effective period immediate updating
System.
Buyer's credit card effective period actively updates system at regular intervals and actively buyer's credit card effective period is updated.
E-commerce platform server establishes client credit card data model.
Client credit card data model includes：Credit card effective period automatically updates information and client credit card token information；
Credit card effective period automatically updates information：For recording the fresh information of holder's credit card effective period；
Client credit card token information；For recording the credit card token that holder stores in across national boundaries e-commerce platform
Information.
The term of validity is small to current date in the E-commerce platform system credit card effective period fresh information of timing lookup daily
In the record equal to the setting time limit.
Whether the corresponding renewal time is recorded to current time less than or equal to the time limit for setting.
Across national boundaries e-commerce platform buyer credit card effective period more new system includes：
Update request module：It is configured to initiate term of validity renewal request to payment gateway；
Payment gateway：It is configured and adapted to receive the term of validity renewal request for updating request module forwarding, and the request is turned
It is dealt into receipts single file；
Receive single line of data processing module：It is configured to receive the renewal request of payment gateway forwarding, and the term of validity is updated into request
Go to international card tissue；
International card tissue data processing module：It is configured to receive and process the term of validity for receiving the forwarding of single line of data processing module more
New request, information updating module is returned to by the term of validity information of credit card；
Information updating module：It is configured and adapted to receive the credit card effective period letter that international card tissue data processing module is returned
Breath, and update the term of validity information of the credit card and the recent renewal time of credit card effective period.
Buyer's credit card effective period immediate updating system includes：
Merchandise display module：It is configured and adapted to holder and browses commodity and place an order；
Credit card information receiver module：Its credit card information for being configured to receive holder's input；
Payment gateway, its payment for being configured to the holder for receiving the forwarding of credit card information receiver module is asked and processed,
And the payment information is forwarded to receipts single file treatment；
Single line of data processing module is received, its payment information for being configured to the holder for receiving payment gateway forwarding is processed, and
Request will be paid and be forwarded to international card tissue treatment；
International card tissue data processing module：It is configured to receive and receives at the payment request of single line of data processing module forwarding
Reason；And pass information to credit card issuer treatment；
Credit card issuer data processing module：It is configured to receive the information of international card tissue data processing module transmission and authorized
Treatment；
As a result output module：It is configured to according to the result for authorizing, and completes or terminate to pay.
Credit card information includes：Credit card number, the term of validity, CVV and billing information.
If authorization failure, wherein failure cause is that credit card effective period is expired, then judge whether holder sets credit
The card term of validity is automatically updated, if be not provided with, result output module directly points out holder's credit card effective period expired, please more
New term of validity information.
If authorization failure, wherein failure cause is that credit card effective period is expired, then judge whether holder sets credit
The card term of validity is automatically updated, if setting is automatically updated, is initiated credit card effective period to payment gateway first and is updated request, is obtained
After getting the new term of validity and being updated successfully, Credit Card Payments request is organized again；After submitting to mandate to pass through again, as a result export
Module prompts holder pay successfully, and updates order status.
Buyer's credit card effective period immediate updating system is that buyer's credit card effective period is updated after buyer places an order.
Buyer's credit card effective period is updated after buyer places an order including：
The payment request of holder is forwarded into payment gateway to be processed；
The payment information of holder is forwarded to the processing module treatment of receipts single line of data by payment gateway；
Receive single line of data processing module and payment request is forwarded to the treatment of international card tissue data processing module；
International card tissue data processing module passes information to the treatment of credit card issuer data processing module；
Credit card issuer data processing module carries out authorisation process；
According to the result for authorizing, complete or terminate to pay.
If credit card issuer data processing module authorization failure, wherein failure cause are that credit card effective period is expired, then judge
Whether holder sets credit card effective period automatically updates, if be not provided with, directly points out holder's credit card effective period mistake
Phase, term of validity information please be update.
If credit card issuer data processing module authorization failure, wherein failure cause are that credit card effective period is expired, then judge
Whether holder sets credit card effective period automatically updates, if setting is automatically updated, initiates credit to payment gateway first
The card term of validity updates request, after getting the new term of validity and being updated successfully, Credit Card Payments request is organized again；Submit to again
After mandate passes through, holder is pointed out to pay successfully, and update order status.
Embodiment 5
A kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform server,
Including：
Credit card effective period updates setup module, and it is configured and adapted to buyer's setting credit card effective period and automatically updates option；
Card Type judge module：Whether its Card Type for being configured to judge client is GIFT or PREPAID cards, if
It is not GIFT or PREPAID cards, is that buyer's registration credit card effective period automatically updates information, points out buyer's status of credit card for just
Often；If GIFT or PREPAID cards, then the credit card of client's the type is pointed out not support to automatically update the term of validity.
Embodiment 6
A kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform server,
E-commerce platform server includes：
Merchandise display module：It is configured and adapted to holder and browses commodity and place an order；
Credit card information receiver module：It is configured to receive holder input credit card information, including credit card number, effectively
In phase, CVV and billing information at least one；
Information initializing module：It is configured to initialize payment information；
Payment gateway：Its payment request for being configured to receive holder is processed, and the payment information after treatment is transmitted to
Receive single file module；
Receive single line of data processing module module：It is configured at the payment information of the holder for receiving payment gateway forwarding
Reason, and the payment information after treatment is transmitted to international card tissue data processing module module；
International card tissue data processing module module：It is configured to receive the payment information, and the payment information is forwarded
To credit card issuer data processing module；
Credit card issuer data processing module：It is configured to receive the payment information and carries out authorisation process；By the payment after treatment
Information returns to international card tissue data processing module, receives single line of data processing module and payment gateway；
As a result output module：It is configured to judge whether to pay successfully；If paid successfully, point out to pay successfully；If branch
Pay unsuccessful, then judge whether credit card is expired；Judge that credit card is expired, point out holder to pay failure cause；Judge credit
Card judges whether that setting credit card effective period updates without expired；Credit card effective period renewal is not provided with, holder's branch is pointed out
Pay failure cause；If configured credit card effective period updates, the forwarding term of validity updates request and gives receipts single file；
Card tissue data processing module：It is configured to inquire about term of validity information；And return to the term of validity information；
Payment module：It is configured to update new term of validity information, returns to platform initialization payment information, into normal payment
Flow.
The above, is only presently preferred embodiments of the present invention, not makees any formal to structure of the invention
Limitation.Every any simple modification, equivalent variations and modification made to above example according to technical spirit of the invention,
Belong in the range of technical scheme.
Claims (10)
1. a kind of across national boundaries e-commerce platform buyer credit card effective period update method, including e-commerce platform, it is special
Levy and be, including：Buyer's credit card effective period active more new system and buyer's credit card effective period immediate updating system.
2. across national boundaries e-commerce platform buyer credit card effective period update method according to claim 1, its feature exists
In：Actively more new system is that e-commerce platform is periodically actively carried out more to buyer's credit card effective period to buyer's credit card effective period
Newly.
3. across national boundaries e-commerce platform buyer credit card effective period update method according to claim 2, its feature exists
In：E-commerce platform establishes client credit card data model.
4. across national boundaries e-commerce platform buyer credit card effective period update method according to claim 3, its feature exists
In client credit card data model includes：Credit card effective period automatically updates information and client credit card token information；
Credit card effective period automatically updates information：For recording the fresh information of holder's credit card effective period；
Client credit card token information；For recording the credit card token that holder stores in across national boundaries e-commerce platform
Information.
5. across national boundaries e-commerce platform buyer credit card effective period update method according to claim 4, its feature exists
In：The term of validity is less than or equal to current date in the E-commerce platform system credit card effective period fresh information of timing lookup daily
Set the record in time limit.
6. a kind of across national boundaries e-commerce platform buyer credit card effective period update method, it is characterised in that buyer is transnational
Trading electronic commerce backstage sets credit card effective period and automatically updates option；
Across national boundaries e-commerce platform judges whether the Card Type of client is GIFT or PREPAID cards；If not
GIFT or PREPAID cards, are that buyer's registration credit card effective period automatically updates information, and it is normal to point out buyer's status of credit card；
If the credit card of GIFT or PREPAID cards prompting client's the type is not supported to automatically update the term of validity.
7. a kind of across national boundaries e-commerce platform buyer credit card effective period update method, it is characterised in that including following step
Suddenly：
1st, holder browses commodity in across national boundaries e-commerce platform；
2nd, holder places an order；
3rd, holder is input into corresponding credit card information, including in credit card number, the term of validity, CVV and billing information extremely
One item missing；
4th, across national boundaries e-commerce platform initialization payment information；
5th, the payment request of holder is forwarded to payment gateway and is processed by across national boundaries e-commerce platform；
6th, the payment information of holder is forwarded to receipts single file treatment by payment gateway；
7th, receive single file and be forwarded to international card tissue treatment by request is paid；
8th, international card tissue passes information to credit card issuer treatment；
9th, credit card issuer carries out authorisation process；
10th, international card tissue forwarding payment result；
11st, single file forwarding payment result is received；
12nd, payment gateway forwarding payment result；
13rd, judge whether to pay successfully；Pay successfully, point out to pay successfully；Pay unsuccessful, judge whether credit card is expired；
14th, judge that credit card is expired, point out holder to pay failure cause；
15th, judge that credit card does not have expired, judge whether that setting credit card effective period updates；
16th, credit card effective period renewal is not provided with, points out holder to pay failure cause；
17th, configured credit card effective period updates, and the forwarding term of validity updates request and gives receipts single file；
18th, card hoc queries term of validity information；
19th, term of validity information is returned；
20th, new term of validity information is updated, platform initialization payment information is returned to, into normal payment flow.
8. a kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform service
Device, it is characterised in that the e-commerce platform server includes buyer's credit card effective period actively more new system and buyer's letter
With card term of validity immediate updating system.
9. a kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform service
Device, it is characterised in that including：
Credit card effective period updates setup module, and it is configured and adapted to buyer's setting credit card effective period and automatically updates option；
Card Type judge module：Whether its Card Type for being configured to judge client is GIFT or PREPAID cards, if
It is not GIFT or PREPAID cards, is that buyer's registration credit card effective period automatically updates information, points out buyer's status of credit card for just
Often；If GIFT or PREPAID cards, then the credit card of client's the type is pointed out not support to automatically update the term of validity.
10. a kind of across national boundaries e-commerce platform buyer credit card effective period more new system, including e-commerce platform service
Device, it is characterised in that the e-commerce platform server includes：
Merchandise display module：It is configured and adapted to holder and browses commodity and place an order；
Credit card information receiver module：It is configured to receive holder input credit card information, including credit card number, effectively
In phase, CVV and billing information at least one；
Information initializing module：It is configured to initialize payment information；
Payment gateway：Its payment request for being configured to receive holder is processed, and the payment information after treatment is transmitted to
Receive single file module；
Receive single line of data processing module module：It is configured at the payment information of the holder for receiving payment gateway forwarding
Reason, and the payment information after treatment is transmitted to international card tissue data processing module module；
International card tissue data processing module module：It is configured to receive the payment information, and the payment information is forwarded
To credit card issuer data processing module；
Credit card issuer data processing module：It is configured to receive the payment information and carries out authorisation process；By the payment after treatment
Information returns to international card tissue data processing module, receives single line of data processing module and payment gateway；
As a result output module：It is configured to judge whether to pay successfully；If paid successfully, point out to pay successfully；If branch
Pay unsuccessful, then judge whether credit card is expired；Judge that credit card is expired, point out holder to pay failure cause；Judge credit
Card judges whether that setting credit card effective period updates without expired；Credit card effective period renewal is not provided with, holder's branch is pointed out
Pay failure cause；If configured credit card effective period updates, the forwarding term of validity updates request and gives receipts single file；
Card tissue data processing module：It is configured to inquire about term of validity information；And return to the term of validity information；
Payment module：It is configured to update new term of validity information, returns to platform initialization payment information, into normal payment
Flow.
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