42results about How to "Improve payment success rate" patented technology

The invention relates to a payment data processing method and apparatus, a storage medium, and a computer device. The method comprises: a payment request carrying a merchant identifier and transactioninformation is received; when a designated payment channel corresponding to the merchant identifier does not exist, current channel information and channel screening factor priority information corresponding to the merchant identifier are obtained based on the merchant identifier; according to the current channel information and channel screening factor priority information, a payment channel with the highest priority is screened out as a current target payment channel; and a fist deduction request is generated based on the transaction information, and the first deduction request is sent to abank system corresponding to the current target payment channel, so that the bank system corresponding to the current target payment channel carries out deduction processing. Therefore, the payment success rate is increased.

The invention provides an electronic transaction method and system and a payment platform system. The electronic transaction method adopts a merchant transaction system, a banking system, a payment gateway and the payment platform system, wherein the payment platform system is communicated with the merchant transaction system through the payment gateway and communicated with the banking system through the payment gateway. The electronic transaction method comprises the steps: the payment platform system receives an agreement deduction request sent by the merchant transaction system; the payment platform system verifies the agreement deduction request; the payment platform system is communicated with the banking system to perform money deduction according to the agreement deduction request and a preset payment deduction agreement after the agreement deduction request is validated. A user does not need to log in the payment platform system by means of the electronic transaction method, processes are simplified, and the electronic transaction method is quick, convenient, safe and efficient.

The invention discloses a trading payment method and system. The trading payment method comprises the steps of collecting merchant request parameters; matching and guiding a route recommendation template, and obtaining a brand list; calling a payment route and performing screening for outputting an optimal payment channel; generating a payment page; obtaining a selected bank card type and an input card number; and judging whether a card bin of the card number supports output of the optimal payment channel or not, and if yes, sending information by using the output optimal payment channel and displaying channel elements of the output optimal payment channel for a user to perform filling and finish payment, or otherwise, calling the payment route again, performing re-screening in payment channels supporting the card bin of the card number for outputting the optimal payment channel, sending the information by using the latest screened-out output optimal payment channel and displaying channel elements of the latest screened-out output optimal payment channel. According to the method and the system, the deficiency of low payment success rate in the prior art can be made up for, the payment success rate is increased, the benefits are increased, and the cost is reduced.

The invention provides a system for managing the payment success rate on the basis of an international card payment channel, and meanwhile provides a method for managing the payment success rate by means of the system. Results of payment of a buyer credit card in a payment channel and failure reasons of payment are classified, a transaction which can not be successfully paid in one payment channel is submitted to another channel for payment, and accordingly the aim of improving the payment success rate is achieved.

The invention relates to the field of electronic payment, and provides an order automatic decomposition and multi-mode payment method and a payment terminal applying the method. The payment terminal comprises a touch display screen, a center processing device, a power device, a standby emergency battery device, a commodity scanning device, a gravity sensing device, a bill scanning device, a voice playing device, a POS paying device and a bill printing device. The method is a method for realizing multiple payment mediums or multiple payment modes by automatically decomposing an order into a plurality of sub-orders, and comprises the following steps: S1, a to-be-paid order is received; 2, payment is failed due to insufficient fund of a user; S3, the user confirms automatic decomposition of the order; S4, a plurality of payment sub-orders are re-generated; S5, payment sub-orders are confirmed and paid; and S6, all payments are completed to finish transaction. The payment method and the payment terminal are especially suitable for the situation that a user carries scattered total amount of payment mediums, so that smooth transaction payment can be ensured, and the payment efficiency can be improved; and by combining with random payment switching of multiple payment mediums or multiple payment modes, unnecessary payment process is reduced, and application is facilitated. The payment method and the payment terminal are a reforming tendency in the field of electronic payment, and have a wide commercial prospect.

The invention provides a payment account number group management method and system. The method comprises the following steps: obtaining third-party channel account information, and grouping the third-party channel account information according to attribute information to obtain third-party channel accounts or account groups; obtaining order information placed through an application of a terminal of a user, and according to preset routing rules, matching merchants with the third-party channel accounts or the account groups, or matching the applications of the merchants with the third-party channel accounts or the account groups to obtain a matching result; according to the matching result, judging a payment mode corresponding to the matching result; and sending a payment request to a third-party payment server to finish payment according to the payment mode. The payment account number group management method and system group the accounts according to the attribute information through the preset routing rules, wherein different merchant types are grouped to different account groups and different account groups are corresponding to different merchant types, thereby improving payment success rate.

The invention discloses a payment method allowing payment code automatic recognition. The method comprises the steps that before a user makes payment, the payment code displayed by the user is acquired; according to preconfigured payment code rules, a payment platform corresponding to the payment code displayed by the user is recognized; and deduction operation is performed by calling a payment interface corresponding to the recognized payment platform. The invention furthermore discloses a payment system allowing payment code automatic recognition. Through the payment method and system, the payment platform can be accurately recognized, and the success rate of payment is substantially increased.

The invention discloses payment method and system, a payment conversion method and a payment conversion device. The method includes the following steps: intercepting a webpage link message of a webpage application program; judging whether the webpage link message is a webpage payment message; if the message is judged to be a webpage payment message, converting the webpage payment message into a Native payment message; and sending the Native payment message to a payment server to perform payment. The payment method realizes real-time conversion of a H5 payment mode of the webpage application program into a Native payment mode, for vast merchants, in the process of turning to the native payment mode from the h5 payment mode, a large amount of manpower and material resource cost is saved, and the payment method is suitable for popularization and has the characteristics of universality, generality and the like.

The invention discloses an Identity authentication method and device, number storage and sending method and device and number binding method and device and equipment. The method comprises the steps ofreceiving a user identity authentication request sent by a data authentication platform client side, wherein user identity authentication request comprises user authentication information and user identification information, and the data authentication platform server stores the user authentication information, a registration number corresponding to the user identification information and a secret order in advance; Obtaining user authentication information pre-stored in a data authentication platform server according to the user identification information; Matching the user authentication information in the acquired user identity authentication request with the user authentication information pre-stored in the acquired data authentication platform server; Under the condition that the matching is successful, receiving a result, sent by the data platform client, of confirming the acquired registration number by the user; Obtaining a registration number of the user and a corresponding secret order according to a received confirmation result; And sending the acquired registration number of the user and the corresponding secret order to a third-party mechanism server.

The invention relates to a payment method and apparatus based on a third-party payment platform, and a storage medium, and the payment method and apparatus are used for solving the technical problem of payment failure caused by a payment channel of a bank card in the prior art. The method for payment based on the third-party payment platform comprises the steps of receiving a payment request of aterminal, wherein the payment request comprises payment verification information input by a user and bank card information bound with the third-party payment platform; confirming that the payment verification information passes background verification; and selecting a target channel from the plurality of bank channels for payment according to the online data of the plurality of bank channels corresponding to the bank card information.

The invention discloses a payment method in the failure of a virtual transaction, a storage medium, an electronic device and a system and relates to the field of information interaction of a virtual transaction. The method comprises a step of obtaining a payment link and payment order parameters in the virtual transaction when a condition that an IOS terminal fails to perform the virtual transaction is monitored and generating an SMS link for the IOS terminal according to the payment link, a step of sending a payment SMS with the SMS link to the IOS terminal, allowing the IOS terminal to directly establish a connection with a virtual transaction server when the IOS terminal clicks the SMS link in the payment SMS, and displaying a payment order on the IOS terminal according to the payment order parameters, and a step of allowing the IOS terminal to send payment information corresponding to the payment order to the virtual transaction server by existing third-party payment software. Whenthe virtual transaction fails, a virtual transaction payment method with a fast payment speed and a high payment success rate is provided, thus a user experience is significantly improved, and the method is very suitable for promotion.

The invention discloses a unified payment method and system for the logistics industry. The method at least comprises the steps of receiving a payment request sent by a user through any business system, and creating a payment order; extracting a to-be-paid amount and source information of the payment bill; matching an optional payment channel according to the source information of the payment order; generating a cashier desk according to the amount of money to be paid and the optional payment channel, and performing front-end display to allow the user to select the payment channel for payment;and receiving payment information sent by the user after payment of the selected payment channel is completed, and updating the payment order. According to the method, a unified payment gateway is arranged; a plurality of payment gateways are integrated into a butt joint port. The unified payment gateway is in butt joint with a plurality of payment channels, and unified management is performed onthe whole payment process, so that the repeated development workload is reduced, the communication cost with the payment channels is reduced, the payment success rate is improved, and a payment report can be provided for logistics companies to analyze and make decisions through butt joint with a financial system.

The invention relates to the field of financial technology, and discloses a distributed bill processing method, which comprises the following steps: when a payment request is received, downloading a bill file corresponding to a file address based on the file address corresponding to the payment request; reading transaction elements of each piece of transaction information in the bill file, determining a first payment channel corresponding to each piece of transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel; detecting the first payment channel, and determining whether the first payment channel is available; and if the sub-bill file is available, sending the sub-bill file to the first payment channel. The invention further discloses a distributed bill processing device and equipment and a computer readable storage medium. The available payment channels are selected through the transaction elements, and the payment success rate is improved.

The invention provides a transaction data intermediary transmission system. The transaction data intermediary transmission system is used for selecting an appropriate first path and an appropriate second path and combining the first path and the second path to form a payment path from a specific user side to a specific payment system. The system comprises an information acquisition module used foracquiring payment information sent by a user side; a payment gateway module connected with the information acquisition module and used for receiving and processing the payment information to obtain aprocessing result associated with the payment information, wherein the processing result comprises related information used for indicating a corresponding payment system; and a processing module connected with the payment gateway module and used for judging the payment system and analyzing a processing result according to a judgment result to select a corresponding payment path so as to realize payment processing through the payment path. The method has the beneficial effects that the optimal payment path is selected according to the transaction information, so that the payment path most suitable for current payment processing is flexibly selected, the use cost of the payment path is effectively reduced, and the payment success rate is improved.

The invention provides a payment processing method, device and system, electronic equipment, a storage medium and a product, and belongs to the technical field of networks. In the embodiment of the invention, in response to a payment request for a first order submitted by a terminal, if the number of current unprocessed orders exceeds a preset number threshold, the first order is written into a preset queue to obtain first payment information of the first order, and a first waiting duration is returned to the terminal. And in response to the payment request resubmitted after the first waiting duration, if the first payment information is acquired, returning the first payment information to the terminal, so that the terminal pays the first order on the payment platform based on the first payment information. Therefore, the probability of payment failure can be reduced to a certain extent, so that the payment success rate is improved.

The invention discloses a credit card payment method and device, and relates to the electronic commerce field. The method comprises the following steps: receiving a credit card payment transaction request, and searching whether corresponding card bin payment success rate information exists according to a card bin of a credit card; if the corresponding card bin payment success rate information exists, determining whether the success rate of a non-3D verifying transaction mode of the credit card recorded by the card bin payment success rate information is higher than the success rate of a 3D verifying transaction mode; and if the success rate of the non-3D verifying transaction mode is higher than the success rate of the 3D verifying transaction mode, submitting the credit card payment transaction request in the non-3D verifying transaction mode to a payment gateway for processing, or, submitting the credit card payment transaction request in the 3D verifying transaction mode to the payment gateway for processing. Through the technical scheme, a foreign trade electronic commerce platform can control submission of 3D authentication transaction in a more accurate manner, and the payment success rate of a client can be improved and the payment duration can be reduced if requirements of payment refusal index control of a risk operation department are satisfied.

The embodiment of the invention discloses a payment method, device and equipment. The method comprises the steps of obtaining payment operation of a user on a target order by adopting a target bank card; obtaining state information of a quick payment protocol of the target bank card; when the state information shows that the quick payment protocol of the target bank card is in a failure state, generating first prompt information for prompting a user to rebind the target bank card; and receiving confirmation operation information which is input by the user based on the first prompt information and is used for confirming that a target bank card is rebound, rebinding the target bank card, and completing payment of the target order based on the rebound target bank card.

The invention provides an acquiring payment transaction routing method and device, a storage medium and electronic equipment, and the method comprises the steps: carrying out the risk detection of a received payment transaction through a risk control system, determining an available payment channel from all payment channels based on a risk detection result and the channel configuration information of a store corresponding to the acquiring payment transaction, and carrying out the routing of the acquired payment transaction. Furthermore, in the absence of a special routing strategy, the channel weight of each available payment channel is calculated based on the channel cost and the channel risk factor of each available payment channel and the payment success rate of a card issuing bank corresponding to an acquiring payment transaction, and a target payment channel is determined from the available payment channels; and routing the acquired payment transaction to the target payment channel so as to execute payment through the target payment channel. Visibly, in the scheme of the invention, the risk control system is used for carrying out risk detection on the acquisition payment transaction, and the channel risk factor is introduced into the channel weight calculation, so that the payment success rate is improved.

The invention relates to a payment method and device, an order processing method and device, a payment server, a terminal, a service server and a storage medium. The payment method comprises the stepsthat payment related information sent by a client is received, and the payment related information comprises payment order information; querying remittance data in a database according to the paymentrelated information; and paying the payment order corresponding to the payment order information based on the inquired matched remittance data. The embodiment of the invention discloses a mobile terminal, payment related information sent by a client is received; the remittance data in the database is inquired according to the payment related information, the payment order corresponding to the payment order information is paid based on the inquired matched remittance data, online payment can be achieved, the applicability is high, the fault tolerance of the remittance data and the payment order can be improved by matching the remittance data, and the payment success rate is high.

The present invention provides a method and system for improving a foreign trade e-commerce platform order success rate. The method comprises: obtaining the information of a payment card and calling the pre-stored information in a database; using the information of the payment card to compare with the pre-stored information for local authentication; using the information of the payment card to compare with the pre-stored information, and performing network authentication of the information of the payment card; and outputting a final result according to the local authentication or the network authentication. The method and system for improving the foreign trade e-commerce platform order success rate can improve the foreign trade e-commerce platform payment success rate, reduce the foreign trade e-commerce platform gathering cost and improve the client payment experience.

The present invention relates to a method and a system for updating the buyer credit card expiry date on a cross-border trade e-commerce platform. The system comprises a buyer credit card expiry date actively updating system and a buyer credit card expiry date immediately updating system. The buyer credit card expiry date actively updating system is the system for actively updating buyer credit card expiry date by the e-commerce platform, the e-commerce platform establishes a customer credit card data model, and the customer credit card data model comprises credit card expiry date automatic update information and customer credit card token information. According to the method and the system for updating the buyer credit card expiry date on the cross-border trade e-commerce platform disclosed by the present invention, the problem that the buyer credit card cannot perform payment normally due to that the buyer credit card is expired on the cross-border B2B trade e-commerce platform is solved, the customer payment experience is effectively enhanced, and the success rate of payment is improved.

The embodiment of the invention discloses a verification method, device and equipment. The method comprises the steps that when a client APP needs to be verified, mobile equipment where a mobile number bound with the client APP is located automatically receives information of an OTP character string code sent based on an exclusive number; the client APP automatically reads the information of the OTP character string code on the mobile equipment where the client APP is located to obtain a reading result; and if the reading result is consistent with the OTP character string code which is automatically received by the mobile device where the mobile number bound with the client APP is located and sent based on the exclusive number, the verification is passed. By adopting the method provided bythe embodiment of the invention, the non-perception verification of the client APP can be realized, the user experience is improved, manual participation is not needed, the verification failure caused by GSM network signals can be reduced, the verification success rate and the payment success rate are increased, and the security of the client APP is ensured.

The present invention relates to the information processing technology field, and discloses a business operation data generation method. The method comprises: prior to the detection of the business operation, generating ephemeral data for representing the business operation voucher; detecting whether the business operation is completed or not; and if the business operation has been completed, generating the business operation data according to the ephemeral data. The present invention further provides a business operation data generation device. The device comprises a detection module, a generation module and a processing module. The detection module is configured to detect the business operation; the generation module is configured to generate the ephemeral data for representing the business operation voucher prior to the detection module detects the business operation; the detection module is also configured to detect whether the business operation is completed or not; and the processing module is configured to generate business operation data when the detection module detects that the business operation has been completed. Compared to the prior art, the success rate of the business operation is improved, the operation mode is simple, and the tedious degree of the operation is reduced.

This specification discloses a method, device and equipment for identity authentication, number storage and sending, and number binding. The method includes: receiving a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information, and the data authentication platform server pre-stores user authentication information and information related to the user The registration number and password corresponding to the identification information; obtain the user authentication information pre-stored in the data authentication platform server according to the user identification information; combine the user authentication information in the obtained user identity authentication request with the pre-stored user authentication information in the obtained data authentication platform server Match the user authentication information; if the matching is successful, receive the result of the user’s confirmation of the registration number sent by the data platform client; obtain the user’s registration number and corresponding password according to the received confirmation result ; Send the acquired registration number of the user and the corresponding password to the server of the third party organization.

The invention discloses a patent / patent application fee payment method, which comprises the following steps of: 1) generating a fee payment order after receiving a fee payment request of a patent / patent application needing fee payment submitted by a user; 2) after an order amount which is paid by the user and corresponds to the payment order is received, the payment amount of each patent / patent application in the payment order being remitted to a payment account specified by the State Intellectual Property Office; and 3) submitting remittance information of remittance to a payment account specified by the State Intellectual Property Office and payment information of the patent / patent application corresponding to the remittance information to a system specified by the State Intellectual Property Office. The invention further provides a patent / patent application fee payment system and a storage medium, the patents or various fees of the patent applications can be paid to the State Intellectual Property Office, the payment operation can be effectively simplified, and the situation that payment is unsuccessful due to the fact that a payer makes an error in the payment process is avoided.

The embodiment of the invention provides a fault processing method, device and system, electronic equipment and a storage medium, and the method comprises the steps: obtaining a plurality of second payment channels corresponding to a payee and configuration priorities corresponding to the second payment channels when a user fails to pay to the payee through a first payment channel, so as to obtaina plurality of standby payment channels, and determining a target payment channel in the plurality of second payment channels according to the configuration priority, increasing the probability of payment success in a preferred selection mode, and finally sending a first retry request for payment to the payee by using the target payment channel, and the purpose of repayment by using different payment channels is achieved.

Disclosed in the present invention are a method for payment following a virtual transaction failure, a storage medium, an electronic device and a system, relating to the field of information interaction of virtual transactions. Said method comprises the steps of: upon detection of virtual transaction failure of an IOS terminal, acquiring, from the virtual transaction, a payment link and payment order parameters, and generating a short message link for the IOS terminal according to the payment link; sending to the IOS terminal a payment short message carrying the short message link, and when the short message link in the payment short message on the IOS terminal is clicked, the IOS terminal directly establishing a connection with a virtual transaction server side, displaying a payment order on the IOS terminal according to the payment order parameter; and the IOS terminal sending, by means of existing third-party payment software, to the virtual transaction server side payment information corresponding to the payment order. The present invention can provide a method for payment following a virtual transaction failure, enabling a fast payment speed and a high payment success rate, , thereby improving the user experience, being suitable for promotion.

The invention provides a payment method for realizing intelligent card binding. The payment method comprises the following steps: firstly, obtaining a payment result table from a storage medium; traversing data in the payment result table, and marking matched invalid card data in the payment result data according to an invalid card rule; identifying payment stages, and adjusting payment routing according to different payment stages to realize intelligent card binding; according to the method, the payment channels can be adjusted in different payment stages according to the judgment condition of the invalid card in the routing stage, the card binding channels of the user in the payment system are enriched, and the payment success rate is improved.

The present application provides a method for implementing network payment, including: sending a first payment request to the fund server of the payment channel provider based on the first payment condition; the payment condition of the payment channel includes at least one option dimension with different possible values , the first payment condition includes a determined option dimension value; after receiving the payment rejection response from the fund server, a second payment request is sent to the fund server based on the second payment condition, and at least one option dimension of the second payment condition The value is different from the first payment condition. Through the technical solution of the application, the amount of operation of the user when attempting payment is reduced, and the probability of successful payment is improved, and the occurrence of failure to complete remote payment through the network is reduced.