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Credit card payment request processing method and device

A payment request and processing method technology, applied in payment systems, data processing applications, payment architectures, etc., can solve the problems of increased probability of misoperation, no saving, cumbersome user operations, etc., to improve operational convenience and input success. The effect of reducing unnecessary consumption and reducing payment failure rate

Active Publication Date: 2017-07-07
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In actual use, some scenarios require the user to provide a security code to complete the payment, but for security purposes, the third-party payment platform will not save the credit card security code when binding the credit card
The problem caused by this is: in the payment scenario that needs to provide a security code, if the user directly uses the bound credit card to pay, an error will occur
If the user wants to continue to use the credit card for payment, he can only manually enter the credit card security code and other basic information such as card number, name, and ID number in the same way as using a new card. For the three-party payment platform, repeated processing caused by payment failure will also bring additional system resource consumption

Method used

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  • Credit card payment request processing method and device
  • Credit card payment request processing method and device
  • Credit card payment request processing method and device

Examples

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Embodiment Construction

[0028] Credit card security code is a string of numbers printed in the signature area of ​​the credit card. It is generated by the card number, validity period and service restriction code through the coding rules and encryption algorithms of the card issuer. It is generally 3 or 4 digits and used for verification during off-site transactions. user ID. Different card issuers call the credit card security code differently. For example, the security code of VISA card is called CVV2 (Card Verification Value 2), and the security code of MasterCard is called CVC2 (Card Validation Code 2), but the essential functions are the same.

[0029] Credit card security codes are widely used in the world. At present, some domestic banks have begun to support this service. Credit card users can use the security code to complete the payment by phone or network. Therefore, the security code is also considered as the "second payment password" of the credit card. ", belongs to the user's private i...

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Abstract

The invention discloses a credit card payment request processing method and device. The credit card payment request processing method comprises the steps of receiving a payment request of a user side; judging whether a credit card security code is required to be used or not in the current time of payment under the condition that the payment request is a payment request based on a bound credit card; if so, generating a prompt message so as to prompt a user to input the security code of the credit card; acquiring the security code inputted by the user according to the prompt message; reconstructing the payment request of the user side by using the acquired security code and binding information of the credit card so as to acquire a payment request carrying security code information; and sending the payment request carrying the security code information to a bank side. According to the scheme, the user operation convenience and the input success rate can be improved, the payment failure rate of a third-party payment platform is reduced, and unnecessary consumption of system resources is reduced.

Description

technical field [0001] The present application relates to the technical field of third-party payment, in particular to a credit card payment request processing method and device. Background technique [0002] Third-party payment is a network payment mode, which is realized by an independent institution with credit guarantee, which signs contracts with major banks and provides a transaction support platform interfaced with the bank's payment and settlement system. The third-party payment platform not only reduces the connection cost between various users and banks, but also can effectively play a regulatory role, and has become the main means of online transactions and credit intermediaries. [0003] Binding bank cards is a basic method used by third-party payment platforms to improve user payment experience. During the binding process, users need to provide basic information such as bank card number, name, and ID card number to the third-party payment platform. After the th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/34G06Q20/40
CPCG06Q20/0855G06Q20/354G06Q20/4018
Inventor 倪飞
Owner ADVANCED NEW TECH CO LTD
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