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Payment method for e-commerce platform and device thereof

A technology of e-commerce platform and payment equipment, applied in payment system, payment system structure, data processing application, etc., can solve problems such as GMV loss of foreign trade e-commerce platform, unsupported UnionPay card, customer loss, etc., to achieve good customers and economic effect, saving handling costs, and reducing customer churn

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

Because for VISA, MASTER, and AMERICAN EXPRESS, customers only need to enter the corresponding credit card information in one interface to complete the payment, but UnionPay cards cannot support
As a result, customers often need to try Secure Pay and ExpressPay separately in order to pay successfully
The customer experience is relatively poor. For some customers who have not tried it, it will directly lead to the loss of customers and cause the loss of GMV on the foreign trade e-commerce platform.
[0004] On the other hand, UnionPay and other three major international card organizations issued a large number of dual-standard cards in China in the early days, and there are also a certain number of dual-standard cardholders among the customers of foreign trade e-commerce platforms. The standard card is directly processed through the three major international card organizations. Although it does not affect the use of customers, the cost of processing through the three major international card organizations is much higher than the cost of processing through the UnionPay network, which objectively makes the collection of foreign trade e-commerce platforms payment cost increase

Method used

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  • Payment method for e-commerce platform and device thereof
  • Payment method for e-commerce platform and device thereof
  • Payment method for e-commerce platform and device thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0025] figure 1 It is a flow chart of the payment method for the e-commerce platform provided by Embodiment 1 of the present application. Such as figure 1 As shown, the payment method for the e-commerce platform provided by this embodiment specifically includes the following steps:

[0026] Step 101, obtain the payment request including the bank card number through the transaction platform page.

[0027] First of all, when the buyer browses the product on the e-commerce platform and confirms the order payment, the buyer can choose to use the bank card for payment on the payment page, and the trading platform will display the bank card number input box to the customer through the trading platform page, prompting the customer to enter the payment After the customer completes the input of the bank card number and submits the order, the customer sends a payment request to the transaction platform, and the payment request can carry the bank card number. For ordinary bank cards, ...

Embodiment 2

[0037] figure 2 It is a flow chart of the payment method for the e-commerce platform provided in Embodiment 2 of the present application. Such as figure 2 As shown, the payment method for the e-commerce platform provided by this embodiment specifically includes the following steps:

[0038]Step 201, obtain the payment request including the bank card number through the transaction platform page.

[0039] First of all, when the customer browses the product on the e-commerce platform and confirms the order payment, the customer can choose to use the bank card for payment on the payment page, and the trading platform will display the bank card number input box to the customer through the trading platform page, prompting the customer to enter the payment bank Card number, after the customer completes the input of the bank card number and submits the order, he sends a payment request to the transaction platform, and the payment request can carry the bank card number.

[0040] S...

Embodiment 3

[0059] image 3 It is a flow chart of the payment method for the e-commerce platform provided in Embodiment 3 of the present application. Such as image 3 As shown, the payment method for the e-commerce platform provided by this embodiment specifically includes the following steps:

[0060] Step 301, obtain the payment request including the bank card number through the trading platform page.

[0061] First of all, when the customer browses the product on the e-commerce platform and confirms the order payment, the customer can choose to use the bank card for payment on the payment page, and the trading platform will display the bank card number input box to the customer through the trading platform page, prompting the customer to enter the payment bank Card number, after the customer completes the input of the bank card number and submits the order, he sends a payment request to the transaction platform, and the payment request can carry the bank card number.

[0062] Step 3...

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PUM

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Abstract

The utility model discloses a payment method for e-commerce platform and a device thereof, which belongs to the field of e-commerce technology. The method comprises the following steps: payment requests including card numbers are obtained through transaction platform page; card Bins of the card numbers are extracted, the information bases of the card Bins are queried according to the car Bins, then card types matching with the car Bins are obtained; payment systems are ascertained according to the card types; the payment requests are transmitted to relative payment gateway to process according to the payment systems. The method and device have the advantages that the trouble of using cards for paying by the user is decreased, the cost of making collections of e-commerce platform is decreased, and customer stickiness is decreased, customer churn is decreased, the loss of e-commerce platform is redeemed.

Description

technical field [0001] The embodiment of the present application relates to the technical field of e-commerce, and specifically relates to a payment method and device for an e-commerce platform. Background technique [0002] The foreign trade e-commerce platform is open to online e-commerce platforms in more than 200 countries around the world, among which credit card transactions account for more than 98% of the GMV of the foreign trade e-commerce platform. Among credit cards, the traditional VISA, MASTER, and AMERICAN EXPRESS account for the highest proportion of credit card transactions. In recent years, with the continuous improvement of China's international status, China UnionPay, as one of the world's largest card organizations, has gradually begun the process of issuing cards overseas. By introducing UnionPay card payment, the foreign trade e-commerce platform also provides convenient payment for customers holding UnionPay cards to purchase goods through the foreign...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/40
CPCG06Q20/341G06Q20/409
Inventor 赵红强项翔
Owner 数贸科技(北京)有限公司