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Method for triggering failed transaction short message in financial transaction authorization process

Pending Publication Date: 2021-12-21
上海通联金融服务有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] In financial transactions, if the transaction fails, the cardholder does not know the reason for the transaction failure, and the customer experience with the card is poor.

Method used

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  • Method for triggering failed transaction short message in financial transaction authorization process

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Embodiment Construction

[0020] In order to make the technical means, creative features, goals and effects of the present invention easy to understand, the following embodiments will specifically explain the method of triggering a failed transaction SMS in the financial transaction authorization process of the present invention in conjunction with the accompanying drawings.

[0021] Such as figure 1 As shown, the method for triggering a failed transaction SMS in the financial transaction authorization flow includes the following steps:

[0022] Step S1, after the financial transaction process is over, judge whether the transaction is successful according to field 39 in the 8583 message, if successful, send a transaction transaction SMS, if it fails, go to step 2. Specifically, if the final returned 39 field is 00 or 11, it means that the transaction authorization is passed; if it is not 00 or 11, it means that the transaction authorization is not passed, and the transaction fails.

[0023] Step S2, o...

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Abstract

The invention provides a method for triggering a failed transaction short message in a financial transaction authorization process, which comprises the following steps of: 1, after the financial transaction process is finished, judging whether the transaction succeeds or not according to a 39 domain in a 8583 message, if the transaction succeeds, sending a transaction dynamic account short message, and if the transaction fails, entering a step 2; 2, acquiring fields required in each short message template from a financial transaction process; 3, obtaining a transaction failure reason, and matching a corresponding short message template according to the transaction failure reason; 4, selecting a field required in the obtained short message template from the obtained fields, editing the selected field and a reason of transaction failure to a position corresponding to the obtained short message template, and completing editing of the short message according to a switch parameter; and 5, calling the short message sending system to send the edited short message to the user corresponding to the financial transaction, so that the short message for failure reason can be sent to the user in time when the transaction fails, and the card use experience of the client and the friendliness of the system are improved.

Description

technical field [0001] The invention belongs to the technical field of financial transactions, and in particular relates to a method for triggering a failed transaction short message in a financial transaction authorization process. Background technique [0002] In financial transactions, if the transaction fails, the cardholder does not know the reason for the transaction failure, and the customer experience with the card is poor. Contents of the invention [0003] The present invention is carried out to solve the above problems, and the purpose is to provide a short message that can send a short message including the failure reason to the user in time when the transaction fails, and improve the customer's card use experience and the friendliness of the system to trigger failure in the financial transaction authorization process Ways to trade text messages. [0004] The present invention provides a method for triggering a failed transaction short message in a financial t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06F40/186G06F9/54
CPCG06Q40/04G06F9/546G06F40/186
Inventor 王泽
Owner 上海通联金融服务有限公司