CN107067318A - Wild card receives monotype system of selection and system - Google Patents
Wild card receives monotype system of selection and system Download PDFInfo
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- CN107067318A CN107067318A CN201710100326.5A CN201710100326A CN107067318A CN 107067318 A CN107067318 A CN 107067318A CN 201710100326 A CN201710100326 A CN 201710100326A CN 107067318 A CN107067318 A CN 107067318A
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Abstract
The present invention provides a kind of wild card and receives monotype system of selection and system, and methods described includes：Correspond to the specific rate for blocking bin under monotype for counting different wild cards in advance and receiving, the wild card receipts monotype includes wild card and receives single quoting model；Statistical result for receiving the rate for corresponding to specific card bin under monotype according to the different wild card, the suitable wild card of selection receives monotype.Technical scheme has reached the purpose of reduction gathering service charge, has had very strong practicality, can obtain good economic benefit by selecting the minimum wild card of rate to receive the gathering cost that monotype reduces foreign trade e commerce transactions.
Description
Technical field
Monotype system of selection and system are received the present invention relates to e-commerce platform field, more particularly to a kind of wild card.
Background technology
With the rapid development of information technology, many KXGs all enter a brand-new intelligentized control method
Epoch.But, the system on foreign trade business processing still suffers from some urgent problems to be solved in the prior art.Such as foreign trade electricity
In subservice processing procedure, in actual payment, overseas buyer 98% completes to pay shopping, thus letter above by credit card
Also turn into the means of payment maximum in foreign trade e commerce transactions with card, in gathering formality is costly, credit card occupies very big ratio
Example.In a practical situation, can contract simultaneously several third party's wild cards of Foreign trade electronic commerce platform receive single gateway, wherein in the presence of normal
The 2 kinds of quoting models seen, in the industry referred to as blended price (regular price pattern) and interchange plus (exchange values
Lattice pattern) two kinds.Interchange plus are one kind that a kind of VISA (Visa) and MASTER (Master) cards tissue are promoted
The pattern of price transparent, VISA and MASTERCARD are two big credit card organisations in the world, for interchange
Under plus patterns, the local rate for receiving single country has very big advantage, and generally non-home currency receives the rate of single country then
It is higher.
It is simply simple to receive single country's rate under interchange plus pattern according to local in present mode
It is low, and the local transaction for receiving single country is sent by interchange plus pattern.Single country is received for non-local,
Then the general pattern by blended price is transmitted.The form that service charge is optimized is not reached.The kind of wild card
Class can be divided into personal card and company's card, and generally blendedprice quotation is that payment gateway is based on foreign trade electronics business
A nontraffic sensitive being engaged in given by the situation of platform transaction.The rate of part card type is certainly existed among these even at non-
In the case that list is received on ground, the service charge rate still higher than given by interchange plus patterns.So for foreign trade electricity
For sub- business platform, service charge still has the space that can be reduced, and reduction transaction procedure expense has become urgently to be resolved hurrily
Problem.
The blog article that bloger PAYPAL business advisers _ Michael delivered for 2 months on the 20th in 2016 on sina blog《2016
How Paypal transaction procedure expense is reduced》In shared some related service experiences, but solve above-mentioned outer
Card receives the select permeability of monotype.
The content of the invention
The problem of for appeared in background technology, monotype system of selection is received the invention provides a kind of wild card, including：
Step 1：Correspond to the specific rate for blocking bin under monotype for counting different wild cards in advance and receiving, it is described outer
Card, which receives monotype, includes the quoting model that wild card receives list；
Step 2：Statistics knot for receiving the rate for corresponding to specific card bin under monotype according to the different wild card
Really, the suitable wild card is selected to receive monotype.
Preferably, the wild card, which receives single quoting model, includes blended price patterns and interchange
Plus patterns.
In any of the above-described scheme preferably, the step 2 also includes：Received according to the different wild card under monotype
Corresponding to the statistical result of specific card bin rate, the low wild card of selection rate receives single quoting model.
In any of the above-described scheme preferably, the step 1 also includes：
Step 11：The different wild card of scanning receives the historical trading data under monotype；
Step 12：The transaction rate under different wild cards receipts monotypes is calculated by pen；
Step 13：Set up wild card and receive monotype transaction rate information model, including：The default interval model of different dealing money
Enclose, the wild card for counting different receives the transaction rate letter in each dealing money interval range of the identical card bin under monotype
Breath, and be registered in the wild card receipts monotype transaction rate information model.
In any of the above-described scheme preferably, receiving single quoting model in the wild card includes interchangeplus
In the case of pattern,
Step 11 is also the historical trading data under scanning interchange plus patterns；
Step 12 is also that the transaction rate under interchange plus patterns is calculated by pen；
Step 13 is also to set up interchange plus patterns transaction rate information model, including：Default different friendship
Each dealing money interval range of identical card bin under easy amount of money interval range, statistics interchange plus patterns
Interior transaction rate information, and be registered in the interchange plus patterns transaction rate information model.
In any of the above-described scheme preferably, response receives wild card and receives single payment request, receives the credit card of input
Information, the credit card information includes：Credit card number, CVV and the term of validity, and it is initial according to the credit card information of the input
Change the payment request of holder.
In any of the above-described scheme preferably, receiving single quoting model in the wild card includes interchangeplus
In the case of pattern and interchange plus patterns, the step 2 also includes：
Step 21：Asked according to the payment of the holder, judge the corresponding card bin of request that pays whether described
In interchange plus patterns transaction rate information model；
Step 22：If being not present, blended price patterns are selected, the payment request is submitted to blended
Price payment gateway is handled；
Step 23：If in the presence of judging described pay in request corresponding card bin and dealing money interval range
Whether the transaction rate under interchange plus patterns is less than the transaction rate under blended price patterns, if otherwise
Blended price patterns are selected, the payment gateway that the payment request is submitted into blended price is handled, if
It is then to select interchange plus patterns, the payment gateway that the payment request is submitted into interchange plus enters
Row processing.
In any of the above-described scheme preferably, regional determination step, the area are performed before the selection step
Determination step includes：
Step 31：Asked according to the payment of the holder, judge that described pay asks the corresponding single area of receipts, it is described to receive
Single area is single including the single and non-local receipts of local receipts；
Step 32：Single quoting model is received according to the suitable wild card of single area selection of receiving, including：If described receive
Single area receives single to be local, then selects interchange plus patterns, and the payment request is submitted into interchange
Plus payment gateway is handled；If described receive single regional single for non-local receipts, the selection step is performed.
In any of the above-described scheme preferably, the step 2 also includes：Asked according to the payment of the holder,
Described to pay in request corresponding card bin and dealing money interval range, relatively more a variety of wild cards receive the friendship under monotype
Easy rate information, therefrom selects the minimum wild card of rate to receive single quoting model, and the payment request is submitted to accordingly
Payment gateway is handled.
Monotype selection system is received present invention also offers a kind of wild card, including：
Statistical module, corresponds to the specific rate for blocking bin for counting different wild cards in advance and receiving under monotype, described
Wild card, which receives monotype, includes the quoting model that wild card receives list；
Selecting module, the system for receiving the rate for corresponding to specific card bin under monotype according to the different wild card
Result is counted, the suitable wild card of selection receives monotype.
Preferably, the wild card, which receives single quoting model, includes blended price patterns and interchange
Plus patterns.
In any of the above-described scheme preferably, the selecting module is additionally operable to：Single mode is received according to the different wild card
Correspond to the statistical result of specific card bin rate under formula, the low wild card of selection rate receives single quoting model.
In any of the above-described scheme preferably, the statistical module also includes：
Scanning element, the wild card different for scanning receives the historical trading data under monotype；
Computing unit, for calculating the transaction rate under different wild cards receipts monotypes by pen；
Modeling unit, monotype transaction rate information model is received for setting up wild card, including：Default different dealing money
Interval range, the wild card for counting different receives the transaction in each dealing money interval range of the identical card bin under monotype
Rate information, and be registered in the wild card receipts monotype transaction rate information model.
In any of the above-described scheme preferably, receiving single quoting model in the wild card includes interchangeplus
In the case of pattern,
The scanning element is used to scan the historical trading data under interchange plus patterns；
The computing unit is used to calculate the transaction rate under interchange plus patterns by pen；
The modeling unit is used to set up interchange plus patterns transaction rate information model, including：Preset not
Each trade gold frontal region of identical card bin under same dealing money interval range, statistics interchange plus patterns
Between in the range of transaction rate information, and be registered in interchange plus patterns transaction rate information model.
It is preferably in any of the above-described scheme, in addition to initialization module, receive the payment that wild card receives list for responding
Request, receives the credit card information of input, and the credit card information includes：Credit card number, CVV and the term of validity, and according to institute
State the payment request of the credit card information initialization holder of input.
In any of the above-described scheme preferably, receiving single quoting model in the wild card includes interchangeplus
In the case of pattern and interchange plus patterns, the selecting module also includes：
Block bin judging units, for being asked according to the payment of the holder, judge that described pay asks corresponding card
Whether bin is in interchange plus patterns transaction rate information model；
Mode selecting unit, the result for being judged according to the card bin judging units selects the suitable wild card to receive
Monotype, including：If the result that the card bin judging units judge is in the absence of selection blendedprice pattern, by institute
Stating payment asks the payment gateway for being submitted to blended price to be handled；If the result that the card bin judging units judge
To exist, then the interchange plus moulds paid in request corresponding card bin and dealing money interval range are judged
Whether the transaction rate under formula is less than the transaction rate under blended price patterns, if otherwise selecting blended price moulds
Formula, the payment gateway that the payment request is submitted into blended price is handled, if then selecting interchange
Plus patterns, the payment gateway that the payment request is submitted into interchange plus is handled.
It is preferably in any of the above-described scheme, in addition to regional determination module, including：
Regional judging unit, for being asked according to the payment of the holder, judges that described pay asks corresponding receipts single
Area, the receipts list area is single including the single and non-local receipts of local receipts；
Area quotation selecting unit, for receiving single quotation mould according to the suitable wild card of single area selection of receiving
Formula, including：If described receive single regional locally to receive single, selection interchange plus patterns propose the payment request
The payment gateway for being sent to interchange plus is handled；If the list area of receiving receives single to be non-local, execution is described
Function performed by selecting module.
In any of the above-described scheme preferably, the selecting module is additionally operable to：Asked according to the payment of the holder,
Paid described in request corresponding card bin and dealing money interval range, relatively more a variety of wild cards are received under monotype
Transaction rate information, therefrom selects the minimum wild card of rate to receive single quoting model, and the payment request is submitted to accordingly
Payment gateway handled.
Technical scheme is by selecting the minimum wild card of rate to receive the receipts that monotype reduces foreign trade e commerce transactions
Money cost, has reached the purpose of reduction gathering service charge.Further, it is a kind of by setting up the invention provides a kind of present invention
The mechanism of foreign trade e commerce transactions service charge is reduced under interchange Plus patterns, is conceived to by introducing a kind of non-local receipts
In the case of list, under interchange plus patterns and blended patterns, for the non-local credit card for receiving single country
The processing that transaction is more become more meticulous, selects a kind of minimum wild card of rate to receive monotype, to reach reduction foreign trade e commerce transactions
The purpose for service charge of collecting money.Good economic benefit can be reached by the implementation of this case.
Brief description of the drawings
Fig. 1 is the schematic flow sheet for the preferred embodiment that monotype system of selection is received according to the wild card of the present invention.
Fig. 2 is the interchange for the embodiment as shown in Figure 1 that monotype system of selection is received according to the wild card of the present invention
The Card Type of Plus patterns and the schematic diagram of type of transaction.
Fig. 3 is the ensemble stream of the statistic procedure for the preferred embodiment that monotype system of selection is received according to the wild card of the present invention
Cheng Tu；
Fig. 4 is the step flow chart for the embodiment as shown in Figure 3 that monotype system of selection is received according to the wild card of the present invention；
Fig. 5 is the business processing flow figure for the preferred embodiment that monotype system of selection is received according to the wild card of the present invention；
Fig. 6 is the business processing flow for the another preferred embodiment that monotype system of selection is received according to the wild card of the present invention
Figure；
Fig. 7 is the overall structure figure for the preferred embodiment that monotype selection system is received according to the wild card of the present invention；
Fig. 8 is the structural representation for the embodiment as shown in Figure 6 that monotype selection system is received according to the wild card of the present invention
Figure；
Fig. 9 is that the structure for the another embodiment as shown in Figure 6 for receiving monotype selection system according to the wild card of the present invention is shown
It is intended to.
Embodiment
Below with reference to accompanying drawings come be described in detail the present invention various exemplary embodiments.It should be noted that：Unless had in addition
Body illustrates that the part and the positioned opposite of step, numerical expression and numerical value otherwise illustrated in these embodiments does not limit this
The scope of invention.The description only actually at least one exemplary embodiment is illustrative below, never as to this
Invention and its application or any limitation used.
Embodiment 1
Monotype system of selection is received the invention provides a kind of wild card.Fig. 1 is that wild card of the present invention receives monotype system of selection
General frame figure.Include as shown in figure 1, wild card receives monotype system of selection：Step 100：Statistic procedure, for counting in advance
Different wild cards receives the rate for corresponding to specific card bin under monotype, and the wild card receipts monotype includes wild card and receives single report
Valency pattern；Step 200：Step is selected, corresponds to taking for specific card bin under monotype for being received according to the different wild card
The statistical result of rate, the suitable wild card of selection receives monotype.In the prior art, it is simply simple according to being local to receive single
It is national or it is non-local single country is received to select wild card to receive single quoting model, the shape that service charge is optimized is not reached
Formula.The such as U.S., show on see that interchange price is less than or higher than blended, but meeting again when being sub-divided into card type
There is difference.The wild card that the present invention is provided receives monotype system of selection, and for specific card bin card types, (credit card BIN refers to hair
Card row identification code, English full name is Bank Identification Number), the various wild cards of comprehensive comparative analysis receive single report
Valency pattern, the processing more become more meticulous particularly with the non-local credit card trade for receiving single country, to reach reduction foreign trade electricity
The purpose of subservice gathering service charge.
The embodiment of monotype system of selection is received according to wild card of the present invention, the wild card, which receives single quoting model, to be included
Blended price patterns and interchange plus patterns.Blended price are a kind of very simple clearly chargings
Pattern, Chinese is referred to as nontraffic sensitive, such as, regardless of card type, uniformly collects the rate of certain percentage, and such as 3.15%.And
Interchange Plus are increasingly complex relative to blended price, but it is more transparent to charge, and Fig. 2 is
The Card Type of interchange Plus patterns and the schematic diagram of type of transaction.Interchange fee are regional according to card type,
Creditcard (credit card) or debitcard (debit card), 3d or the non-3d of etc. price can all have corresponding difference,
It is assumed that Foreign trade electronic commerce platform set up company in Europe, then European Region is equivalent to being exactly local to receive single, then make
Will be accordingly relatively low with interchange fee.Single country but is received for non-local, due to being limited to different transaction moulds
Formula, Card Type, there is also under interchange plus patterns, rate is less than the situation of blended rates.What the present invention was provided
Method is directed to the processing that this problem is more become more meticulous, to reach the purpose of reduction gathering service charge.
Specifically, a kind of embodiment of monotype system of selection is received according to wild card of the present invention, relevant information is initially set up
Model, the following is 4 data message tables.The information included respectively：
Block bin information：For recording the information about credit card issuer card bin and card type class；
Gateway formality charge information：For recording the formality charge information of each card type in blended price models；
Interchange plus card bin rate informations：Block bin correspondences under interchange plus patterns for recording
Rate information；
Interchange plus transaction rate informations：For recording merchandised under interchange plus patterns specific
Detailed rate information.
Table 1 blocks bin information
| Block bin |
| Block bin countries |
| Card Type |
| Card type class |
| Renewal time |
| More new person |
The gateway formality charge information of table 2
The interchange plus card bin rate informations of table 3
| Gateway ID |
| Gateway name |
| Card Type |
| Card type class |
| Interchange rates |
| Dealing money minimum value |
| Dealing money maximum |
| Renewal time |
| More new person |
Table 4interchange plus transaction rate informations
| Gateway ID |
| Gateway name |
| Card Type |
| Card type class |
| Interchange rates |
| Dealing money |
| Transaction currency type |
| Transaction journal number |
| Gateway reference number |
| Renewal time |
| More new person |
A kind of embodiment of monotype system of selection is received according to wild card of the present invention, the selection step also includes：According to
The different wild card receives the statistical result for the rate for corresponding to specific card bin under monotype, and the low wild card of selection rate is received
Single quoting model.Analyzed for the specific card bin card types being traded in specific processing business, find for
The minimum wild card of rate receives single quoting model for this card bin, so as to save service charge cost payout to greatest extent.
Embodiment 2
As shown in figure 3, receiving a kind of embodiment of monotype system of selection according to wild card of the present invention, the statistic procedure is also
Including：Step 200, the historical trading data under different wild cards receipts monotypes is scanned；Step 210, calculate different outer by pen
Card receives the transaction rate under monotype；Step 220, set up wild card and receive monotype transaction rate information model, including：Default difference
Dealing money interval range, count the interval model of each dealing money that different wild card receives the identical card bin under monotype
Interior transaction rate information is enclosed, and is registered in the wild card and is received in monotype transaction rate information model.Identical card bin is each
It is different to receive the transaction rate under monotype in different wild cards in individual dealing money interval range, is subject to according to historical data
Statistics, statistical result is used as subsequently selected foundation.
Specifically, it is described in the case where the wild card receives single quoting model including interchange plus patterns
Statistic procedure also includes：Scan the historical trading data under interchange plus patterns；Interchange is calculated by pen
Transaction rate under plus patterns；Interchange plus patterns transaction rate information model is set up, including：It is default different
The interval model of each dealing money of identical card bin under dealing money interval range, statistics interchange plus patterns
Interior transaction rate information is enclosed, and is registered in the interchange plus patterns transaction rate information model.
Embodiment 3
As shown in figure 4, statistic procedure includes：Step 300, JOB automatically scannings history interchange Plus numbers of deals
According to；Step 310, interchange transaction rates are calculated by pen；Step 320, registration interchange transaction rate information；Step
Rapid 330, search interchange rate identical card bin information and dealing money；Step 340, interchange is searched to take
Rate identical card bin information registration card bin rate informations.Due to foreign trade e commerce transactions wild card merchandise during it is recorded
Data message under interchange plus patterns per transaction, namely interchange plus transaction rate letter
Breath, the data message of history is automatically analyzed by performing a JOB, and specific rate under interchange plus is calculated by pen
It is worth percentage, is registered in interchange plus transaction rate information model；Search interchange plus friendship
In easy rate information model, card bin and rate identical record are registered in interchange plus card bin rate informations
In.It is 150 U.S. dollars between 300 U.S. dollars in dealing money interval range such as we have found that for specific card bin, the card
Bin rate value is less than the rate of card bin under blendedprice patterns.It is adjusted by the transaction for this part,
It is expected that can monthly save the service charge cost payout of 5000 U.S. dollars or so for Foreign trade electronic commerce platform.
Embodiment 4
As shown in figure 5, receiving a kind of embodiment of monotype system of selection according to wild card of the present invention, response receives wild card receipts
Single payment request, receives the credit card information of input, the credit card information includes：Credit card number, CVV (Card
Verification value, credit card verification value) and the term of validity, and held according to the initialization of the credit card information of the input
The payment of people is asked (see step 40 step 410 step 420 in Fig. 5).
As shown in figure 5, receiving a kind of embodiment of monotype system of selection according to wild card of the present invention, receive single in the wild card
Quoting model include interchange plus patterns and interchange plus patterns in the case of, the selection step
Also include：Asked according to the payment of the holder, judge the corresponding card bin of request that pays whether described
(see step 430 in Fig. 5) in interchange plus patterns transaction rate information model；If being not present, blended is selected
Price patterns, are submitted to blendedprice payment gateway by the payment request and are handled (see step 431 in Fig. 5)；
If in the presence of judging the interchange plus moulds paid in request corresponding card bin and dealing money interval range
Whether the transaction rate under formula is less than the transaction rate (see step 440 in Fig. 5) under blended price patterns, if otherwise selecting
Blended price patterns are selected, the payment gateway that the payment request is submitted into blended price is handled (see Fig. 5
Middle step 431), if then selecting interchange plus patterns, the payment request is submitted to interchange
Plus payment gateway is handled (see step 450 in Fig. 5)." gateway rate " in Fig. 5 in step 440 herein specifically
Refer to the rate of card bin under blended price patterns.Step 460 is performed after step 450 and step 431, gateway is carried
It is sent to receipts single file processing；Order is step 470 afterwards, receives single file and is submitted to card tissue treatment；Step 480, card tissue is forwarded to
Credit card issuer processing；Step 490, credit card issuer carries out authorisation process.
In the embodiment above, in the case of it there are two kinds of pricing models, the rate that there is part card bin exists
It is to be significantly lower than interchange plus patterns under blended price patterns, does not pass through so this part card bin is fixed
Interchange plus modes are submitted；Here judgement effect is, such as the U.S., show on see interchange plus
The price of pattern is less than or higher than blended price patterns, but has difference again when being sub-divided into card type.
Embodiment 5
As shown in fig. 6, performing regional determination step before the selection step.Compared with Fig. 5, step is added in Fig. 6
Rapid 425 regional determination steps.The regional determination step includes：Asked according to the payment of the holder, judge described pay
Request is corresponding to receive list area, and the single area of receipts is single including the single and non-local receipts of local receipts；Single area selection is received according to described
The suitable wild card receives single quoting model, including：If described receive single regional locally to receive single, interchange is selected
Plus patterns (step 450), the payment gateway that the payment request is submitted into interchange plus is handled；If institute
State the single area of receipts and receive single to be non-local, then perform the selection step (being performed as described above since step 430).Due to for
Under interchange plus patterns, the local rate for receiving single country has very big advantage, therefore receives Dan Zhi for local
Interchange plus patterns are selected in selecting.Adding regional determination step makes business processing flow more optimize, and processing more has
Specific aim, it is more efficient.
A kind of embodiment of monotype system of selection is received according to wild card of the present invention, the selection step also includes：According to
The payment request of the holder, pays in request corresponding card bin and dealing money interval range, comparison is various not described
With wild card receive transaction rate information under monotype, therefrom select the minimum wild card of rate to receive single quoting model, and by institute
Payment request is stated to be submitted to corresponding payment gateway and handled.In this fashion according to card bin and the interval model of dealing money
Enclose, relatively more a variety of wild cards receive monotype, therefrom select the minimum mode of rate to save service charge.
Embodiment 6
Include as shown in fig. 7, wild card of the present invention receives monotype selection system：Statistical module 700, for counting different in advance
Wild card receive the rate for corresponding to specific card bin under monotype, the wild card, which receives monotype and includes wild card, receives single quotation mould
Formula；Selecting module 710, the statistics for receiving the rate for corresponding to specific card bin under monotype according to the different wild card
As a result, the suitable wild card is selected to receive monotype.
A kind of embodiment that monotype selects system is received according to wild card of the present invention, the wild card receives single quoting model bag
Include blended price patterns and interchange plus patterns.
A kind of embodiment that monotype selects system is received according to wild card of the present invention, the selecting module 200 is additionally operable to：Root
The statistical result for the rate for corresponding to specific card bin under monotype, the low wild card of selection rate are received according to the different wild card
Receive single quoting model.
As shown in figure 8, receiving a kind of embodiment that monotype selects system, the statistical module according to wild card of the present invention
700 also include：Scanning element 710, the wild card different for scanning receives the historical trading data under monotype；Computing unit 720,
For calculating the transaction rate under different wild cards receipts monotypes by pen；Modeling unit 730, monotype friendship is received for setting up wild card
Easy rate information model, including：Default different dealing money interval range, the wild card for counting different receives identical under monotype
Card bin each dealing money interval range in transaction rate information, and be registered in the wild card and receive monotype transaction fee
In rate information model.
A kind of embodiment that monotype selects system is received according to wild card of the present invention, single quoting model is received in the wild card
In the case of including interchange plus patterns, the scanning element 710 is used to scan interchange plus patterns
Under historical trading data；The computing unit 720 is used to calculate the transaction rate under interchange plus patterns by pen；
The modeling unit 730 is used to set up interchangeplus patterns transaction rate information model, including：Default different friendship
Each dealing money interval range of identical card bin under easy amount of money interval range, statistics interchange plus patterns
Interior transaction rate information, and be registered in the interchange plus patterns transaction rate information model.
A kind of embodiment that monotype selects system, in addition to initialization module 720 are received according to wild card of the present invention, are used for
Response receives wild card and receives single payment request, receives the credit card information of input, the credit card information includes：Credit card card
Number, CVV and the term of validity, and the payment for initializing holder according to the credit card information of the input asks.
A kind of embodiment that monotype selects system is received according to wild card of the present invention, single quoting model is received in the wild card
In the case of including interchange plus patterns and interchange plus patterns, the selecting module 710 also includes：
Block bin judging units 711, for being asked according to the payment of the holder, judge whether described pay asks corresponding card bin
In interchange plus patterns transaction rate information model；Mode selecting unit 712, for according to the card
The wild card that the result selection that bin judging units judge is adapted to receives monotype, including：If the card bin judging units judge
Result be in the absence of then selecting blended price patterns, pay request by described and be submitted to blended price branch
Gateway is paid to be handled；If the result that the card bin judging units judge judges that described pay asks corresponding card to exist
Whether the transaction rate under interchange plus patterns in bin and dealing money interval range is less than blended
Transaction rate under price patterns, if otherwise selecting blended price patterns, blended is submitted to by the payment request
Price payment gateway is handled, if then selecting interchangeplus patterns, and the payment request is submitted to
Interchange plus payment gateway is handled.
As shown in figure 9, a kind of embodiment that monotype selects system is received according to wild card of the present invention, in addition to area judges
Module 730, including：Regional judging unit 731, for being asked according to the payment of the holder, judges the payment request pair
The receipts list area answered, the single area of receipts is single including the single and non-local receipts of local receipts；Area quotation selecting unit 732, for root
Single quoting model is received according to the suitable wild card of single area selection of receiving, including：If described receive single regional locally to receive single,
Interchange plus patterns are then selected, the payment gateway progress that request is submitted to interchange plus is paid by described
Processing；If described receive single regional single for non-local receipts, the function performed by the selecting module is performed.
A kind of embodiment that monotype selects system is received according to wild card of the present invention, the selecting module 200 is additionally operable to：Root
Ask, paid described in request corresponding card bin and dealing money interval range according to the payment of the holder, it is relatively more various
Different wild cards receives the transaction rate information under monotype, therefrom selects the minimum wild card of rate to receive single quoting model, and will
The payment request is submitted to corresponding payment gateway and handled.
Technical scheme is by selecting the minimum wild card of rate to receive the receipts that monotype reduces foreign trade e commerce transactions
Money cost, has reached the purpose of reduction gathering service charge.Further, it is a kind of by setting up the invention provides a kind of present invention
The mechanism of foreign trade e commerce transactions service charge is reduced under interchange Plus patterns, is conceived to by introducing a kind of non-local receipts
In the case of list, under interchange plus patterns and blended patterns, for the non-local credit card for receiving single country
The processing that transaction is more become more meticulous, selects a kind of minimum wild card of rate to receive monotype, to reach reduction foreign trade e commerce transactions
The purpose for service charge of collecting money.Good economic benefit can be reached by the implementation of this case.
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
Same or analogous part cross-reference between place, each embodiment.For system embodiment, due to itself and method
Embodiment is corresponded to substantially, so description is fairly simple, the relevent part can refer to the partial explaination of embodiments of method.
The method and system of the present invention may be achieved in many ways.For example, can by software, hardware, firmware or
Software, hardware, firmware any combinations come realize the present invention method and system.The said sequence of the step of for methods described
Order described in detail above is not limited to merely to illustrate, the step of method of the invention, it is special unless otherwise
Do not mentionlet alone bright.In addition, in certain embodiments, the present invention can be also embodied as recording to program in the recording medium, these programs
Including the machine readable instructions for realizing the method according to the invention.Thus, the present invention also covering storage is used to perform basis
The recording medium of the program of the method for the present invention.
Description of the invention is provided 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 obvious for the ordinary skill in the art.Select and retouch
State embodiment and be more preferably to illustrate the principle and practical application of the present invention, and one of ordinary skill in the art is managed
The solution present invention is so as to design the various embodiments with various modifications suitable for special-purpose.
Claims (10)
1. a kind of wild card receives monotype system of selection, including：
Step 1：Correspond to the specific rate for blocking bin under monotype for counting different wild cards in advance and receiving, the wild card is received
Monotype includes wild card and receives single quoting model；
Step 2：Statistical result for receiving the rate for corresponding to specific card bin under monotype according to the different wild card,
The suitable wild card of selection receives monotype.
2. wild card according to claim 1 receives monotype system of selection, it is characterised in that the wild card receives single quotation mould
Formula includes blended price patterns and interchange plus patterns.
3. wild card according to claim 2 receives monotype system of selection, it is characterised in that the step 2 also includes：According to
The different wild card receives the statistical result for the rate for corresponding to specific card bin under monotype, and the low wild card of selection rate is received
Single quoting model.
4. wild card according to claim 2 receives monotype system of selection, it is characterised in that the step 1 also includes：
Step 11：The different wild card of scanning receives the historical trading data under monotype；
Step 12：The transaction rate under different wild cards receipts monotypes is calculated by pen；
Step 13：Set up wild card and receive monotype transaction rate information model, including：Default different dealing money interval range,
The different wild card of statistics receives the transaction rate information in each dealing money interval range of the identical card bin under monotype,
And be registered in the wild card receipts monotype transaction rate information model.
5. wild card according to claim 4 receives monotype system of selection, it is characterised in that single quotation is received in the wild card
In the case that pattern includes interchange plus patterns,
Step 11 is also the historical trading data under scanning interchange plus patterns；
Step 12 is also that the transaction rate under interchange plus patterns is calculated by pen；
Step 13 is also to set up interchange plus patterns transaction rate information model, including：Default different trade gold
In each dealing money interval range of identical card bin under volume interval range, statistics interchange plus patterns
Transaction rate information, and be registered in the interchange plus patterns transaction rate information model.
6. wild card according to claim 2 receives monotype system of selection, it is characterised in that response receives wild card and receives single branch
Request is paid, the credit card information of input is received, the credit card information includes：Credit card number, CVV and the term of validity, and according to
The payment request of the credit card information initialization holder of the input.
7. wild card according to claim 6 receives monotype system of selection, it is characterised in that single quotation is received in the wild card
In the case that pattern includes interchange plus patterns and interchange plus patterns, the step 2 also includes：
Step 21：Asked according to the payment of the holder, judge the corresponding card bin of request that pays whether described
In interchange plus patterns transaction rate information model；
Step 22：If being not present, blended price patterns are selected, the payment request is submitted to blended price
Payment gateway handled；
Step 23：If in the presence of judging described pay in request corresponding card bin and dealing money interval range
Whether the transaction rate under interchange plus patterns is less than the transaction rate under blended price patterns, if otherwise
Blended price patterns are selected, the payment gateway that the payment request is submitted into blended price is handled, if
It is then to select interchange plus patterns, the payment gateway that the payment request is submitted into interchange plus enters
Row processing.
8. wild card according to claim 7 receives monotype system of selection, it is characterised in that held before the selection step
Row area determination step, the regional determination step includes：
Step 31：Asked according to the payment of the holder, judge that the payment request is corresponding and receive single area, the single ground of receipts
Area includes local list of receiving and receives single with non-local；
Step 32：Single quoting model is received according to the suitable wild card of single area selection of receiving, including：If described receive single ground
Area receives single to be local, then selects interchange plus patterns, and the payment request is submitted into interchange plus
Payment gateway handled；If described receive single regional single for non-local receipts, the selection step is performed.
9. method according to claim 6, it is characterised in that the step 2 also includes：According to the payment of the holder
Request, pays in request corresponding card bin and dealing money interval range, relatively more a variety of wild cards receive monotype described
Under transaction rate information, therefrom select the minimum wild card of rate to receive single quoting model, and the payment request is submitted to
Corresponding payment gateway is handled.
10. a kind of wild card receives monotype selection system, including：
Statistical module, corresponds to the specific rate for blocking bin, the wild card for counting different wild cards in advance and receiving under monotype
Receiving monotype includes the quoting model that wild card receives list；
Selecting module, the statistics knot for receiving the rate for corresponding to specific card bin under monotype according to the different wild card
Really, the suitable wild card is selected to receive monotype.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710100326.5A CN107067318A (en) | 2017-02-23 | 2017-02-23 | Wild card receives monotype system of selection and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710100326.5A CN107067318A (en) | 2017-02-23 | 2017-02-23 | Wild card receives monotype system of selection and system |
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|---|---|
| CN107067318A true CN107067318A (en) | 2017-08-18 |
Family
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| Application Number | Title | Priority Date | Filing Date |
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| CN201710100326.5A Pending CN107067318A (en) | 2017-02-23 | 2017-02-23 | Wild card receives monotype system of selection and system |
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| CN111752978A (en) * | 2020-06-28 | 2020-10-09 | 中国银行股份有限公司 | Method, device and system for selecting bin route based on distributed cache |
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