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Commission charge cost optimization method and apparatus

A cost-optimized, handling fee technology, applied in the payment, instrument, payment system structure and other directions involving neutral parties, can solve the problem of not reducing handling fees, increasing handling fees, etc., to reduce handling fees, reduce expenditure costs, and improve accuracy rate effect

Inactive Publication Date: 2017-05-31
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

However, there will still be cases of misjudgment, especially for drop shopping (direct mail, which generally refers to overseas buyers who are equivalent to sellers who choose to mail directly to the address of the overseas buyer after purchasing the product on the trading platform). , in this case, after the payment request is forwarded to the payment gateway of the Interchange plus mode, there may be a problem that the handling fee cannot be reduced but the handling fee is increased
Therefore, there is a lack of a method for optimizing the handling fee cost in the prior art

Method used

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  • Commission charge cost optimization method and apparatus
  • Commission charge cost optimization method and apparatus
  • Commission charge cost optimization method and apparatus

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Embodiment Construction

[0022] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0023] figure 1 A schematic flow chart of a method for optimizing a handling fee cost according to an embodiment of the present invention is shown. Such as figure 1 As shown, the method includes the following steps:

[0024] Step S100, acquiring the payment request carrying the credit card number sent by the trading platform page.

[0025] The credit card in the embodiment of the present invention can be not only a credit card i...

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Abstract

The invention discloses a commission charge cost optimization method and apparatus. The method comprises the steps of obtaining a payment request carrying a credit card number and sent by a page of a trading platform; extracting card Bin of the credit card number, and querying a card Bin information library according to the card Bin to obtain a credit card issuing nation matched with the card Bin; querying an operation list of the trading platform according to the credit card issuing nation to determine whether card issuing is local card issuing or not; and forwarding the payment request to a payment gateway with a corresponding charge mode according to a judgment result to perform processing. By utilizing the technical scheme, whether the card issuing is the local card issuing or not is determined according to the credit card issuing nation, so that the judgment accuracy is improved, the commission charge paid to the payment gateway is reduced, and the expenditure cost of the trading platform is reduced.

Description

technical field [0001] The invention relates to the technical field of e-commerce, in particular to a handling fee cost optimization method and device. Background technique [0002] The trading platform is a third-party transaction security platform, and its main function is to ensure the security and integrity of both parties in the transaction. In actual situations, the trading platform will sign multiple payment gateways at the same time to process the transaction platform's receipts. At present, there are two common quotation modes for payment gateways, fixed pricing mode (Blended price) and exchange pricing mode (Interchange plus ), among them, Interchange plus has the advantages of price transparency, and under the Interchange plus mode, the rate of the local acquiring country is lower than that of the non-local acquiring country, that is to say, for the non-local acquiring country, Interchange plus The fee of the payment gateway of the mode is very high, but the fee ...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/34
CPCG06Q20/02G06Q20/3415
Inventor 赵红强
Owner 数贸科技(北京)有限公司