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Trading payment method and system

A payment system and transaction technology, applied in the field of Internet payment, can solve the problem of low payment success rate, achieve the effect of reducing payment cost, reducing cost, and improving payment success rate

Inactive Publication Date: 2016-11-16
SHANGHAI CTRIP COMMERCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The technical problem to be solved by the present invention is to overcome the defect that the website in the prior art usually only displays all the payment channels to the user by listing them one by one for the user to choose. Transaction payment method and system for completing payment through the best payment channel

Method used

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  • Trading payment method and system
  • Trading payment method and system

Examples

Experimental program
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Embodiment

[0058] First, some nouns involved in this embodiment are described:

[0059] 1. Payment method: The payment method is the packaging of internal payment products, that is, the payment products are packaged into a payment method according to the needs of external merchants and provided to external merchants. For example, credit card payment can be divided into credit card MOTO and credit card agreement internally.

[0060] 2. Payment products: develop and package different payment products according to different dimensions such as channels, functions, and prices. Such as credit card MOTO, credit card agreement, debit card MOTO, debit card agreement, etc.

[0061] 3. Payment brand: For payment products, one payment product can include multiple payment brands; for payment channels, one payment brand is the classification and division of multiple payment channels. For example, credit card MOTO can include multiple payment brands such as ICBC, CCB, and Bank of Communications.

[...

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Abstract

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.

Description

technical field [0001] The invention relates to the field of Internet payment, in particular to a transaction payment method and system. Background technique [0002] With the increase of online shopping, the requirements for the speed and convenience of online payment are getting higher and higher. Usually, when a user makes an online payment, one or more payment channels will be displayed on the front end of the website for the user to choose. After the user selects a payment channel, the website background will complete the payment by interconnecting with the corresponding bank or other institution data. When using the above payment methods, the website usually only displays all the payment channels to the user one by one. Some of these payment channels are likely to be unavailable or have a high probability of payment failure. However, for users, It is often impossible to grasp the specific situation of each payment channel and choose only based on personal preference. ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/405G06Q20/38
Inventor 王伟周毅蒋荣轩
Owner SHANGHAI CTRIP COMMERCE CO LTD
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