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 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 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 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 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 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 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.

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.

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.