Dishonor rate control method and device

Abstract

The invention discloses a dishonor rate control method and device; the method comprises the following steps: obtaining a payment request sent by a transaction platform page and carrying goods information; checking a goods category configuration list according to goods information so as to determine a dishonor rate of the goods category to which the goods information belongs, wherein the goods category configuration list stores goods categories and goods category dishonor rates; determining whether the goods category dishonor rate is bigger than or equal to a preset threshold or not; if yes, detecting whether a distribution proportion is preset for each payment gateway or not; if yes, dividing a randomized number zone into randomized number sub zones of each payment gateway according to the distribution proportion; forming a randomized number in the randomized number zone, determining the randomized number sub zone to which the randomized number belongs, forwarding the payment request to the payment gateway corresponding to the randomized number sub zone coupled to the randomized number, thus effectively controlling the dishonor rate of the payment gateway, and preventing payment gateway forfeit problems caused by the dishonor rate exceeding standards.

Description

technical field [0001] The invention relates to the technical field of e-commerce, in particular to a chargeback rate control method and device. Background technique [0002] Credit card chargeback means that the cardholder can apply to the bank to refuse payment of a certain transaction on the bill within a certain period of time after payment (generally 180 days in international practice). For example, when the goods are not received, the goods are not in the right version, or stolen, the credit card holder can initiate a chargeback. [0003] In response to chargebacks, the trading platform generally takes measures such as high-risk countries, industries, blacklists, device fingerprints, and the use of 3D payment methods to prevent cardholders from initiating unauthorized chargebacks based on the platform’s historical data rules. Although the chargeback index can be effectively reduced, it is difficult to flexibly control the chargeback level from the perspective of quant...

AI Technical Summary

Problems solved by technology

Although the chargeback index can be effectively reduced, it is difficult to flexibly control the chargeback level from the perspective of quantity, because chargebacks by cardholders often occur 2 months after the transaction is generated, and the above-mentioned measures are mainly aimed at current transactions. Judging the cardholder's chargeback risk cannot maintain the rationality of the chargeback rate level among multiple gateways. It is often possible that the chargeback level of the entire company is normal, but the chargeback rate of one of the gateways exceeds the standard. However, credit card organizations require that the refusal indicators of each payment gateway should be controlled below the warning value. Any payment gateway whose refusal indicators exceed the standard will cause the trading platform to face fines. Sometimes the payment gateway is even prohibited from providing acquiring services for the trading platform

Therefore, there is a lack of a method for effectively controlling the chargeback rate in the prior art

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