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Method and system for improving foreign trade e-commerce platform order success rate

An e-commerce platform and success rate technology, applied in the field of Internet-based payment, can solve problems such as credit card success rate not being analyzed and utilized, payment requests not being screened and judged, and credit cards not being classified and processed, etc., to improve the payment success rate , Improve the order success rate and payment success rate

Inactive Publication Date: 2017-05-10
数贸科技(北京)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

There are the following problems: the credit card of overseas customers is not classified and processed; the payment request is not screened and judged. In general, the payment gateway will charge a processing fee for the payment request whether it succeeds or fails; The credit card success rate is not analyzed and utilized

Method used

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  • Method and system for improving foreign trade e-commerce platform order success rate
  • Method and system for improving foreign trade e-commerce platform order success rate
  • Method and system for improving foreign trade e-commerce platform order success rate

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0091] Such as figure 1 , figure 2 As shown, step 100 is executed, the user's payment card number is input in the acquisition module 200 or the user's payment card number stored in the database is retrieved from the database 240, and step 110 is executed, the system performs the verification in the local authentication module 210 according to the card number provided by the user. Authenticate the card number, first determine whether the card number of the card is a restricted card bin, if it is a restricted card bin, then execute step 180, and prompt the user through the result output module 230 "This transaction has been rejected, please use another bank card or contact Contact your bank card issuer". If it is not a restricted card bin, execute step 120 to determine whether the reason for the recent failure is a blacklisted user in the database or a user who placed orders frequently For the user, step 180 is executed, and the result output module 230 prompts the user "the ...

Embodiment 2

[0101] When the following situations occur, the application for payment of an order by payment card will be rejected by the system, and the user will be prompted "The transaction has been declined, please use another bank card or contact your bank card issuer":

[0102] 1. Expired card; 2. Invalid credit card number; 3. Invalid expiration date; 4. No value; 5. Wrong card account length; 6. No such issuer; 7. CVV rejected by credit card issuer; 8. Required Voice authorization. 9. The card may be lost; 10. The card may be stolen; 11. Suspected of fraud; 12. The cardholder stops billing; 13. The cardholder stops all billing; 14. Invalid transaction; 15. Violation; 16. Violation Security; 17. Denied - updated cardholder available; 18. Processor does not support this feature; 19. Encryption error; 20. Service fee not allowed; 21. Inconsistent data; 22. No action taken; 23. Could not be found Opposite authorization; 24. Already reversed; 25. Invalid authorization code; 26. Denied -...

Embodiment 3

[0104] Such as image 3 As shown, the payment cards 300 include a debit card (credit card) 310 , a debit card 320 and a prepaid card 330 . According to the payment method, the proportion of credit card and positive card is relatively high. Prepaid cards are mainly credit cards issued by some commercial organizations and banks for cardholders with a certain amount of deposit in advance. They are usually issued in the form of marketing or benefits. They are not real-name credit card types, and they will be limited to the countries or merchants used. Especially in the United States as an example, prepaid cards are issued in large quantities, and are generally limited to use only in the United States. In view of this situation, after the cardholder submits the credit card payment information, the foreign trade e-commerce platform queries the prepaid card information recorded in the card bin database stored in the database. Cross-border transactions are restricted, please use ano...

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Abstract

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.

Description

technical field [0001] The invention relates to the field of Internet-based payment, in particular to a method and system for improving the order success rate of a foreign trade e-commerce platform. Background technique [0002] The foreign trade e-commerce platform is a cross-border online shopping platform, and its main customers are overseas cardholders. The e-commerce platform will randomly assign payment requests from overseas buyers to the payment channels they access to submit payment, and the payment channels will verify the international cards used by buyers in accordance with the corresponding risk control rules, and submit them to the acquiring bank if the verification passes and international card associations and card issuing banks for processing. After the authorization is passed, the e-commerce platform confirms that the buyer has paid successfully and notifies the seller to deliver the goods. [0003] In the payment process of the traditional foreign trade ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/40G06Q20/42
CPCG06Q20/341G06Q20/409G06Q20/42
Inventor 赵红强孙展李慧颖
Owner 数贸科技(北京)有限公司
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