Method for improving success rate of third party payments called in quick payment and saving service fees

Abstract

The invention discloses a method for improving the success rate of third party payments called in quick payment and saving service fees. The method includes the following steps that: banks supported by third party payments are pre-recorded; the payment quotas of the banks in the third party payments are pre-recorded; payment service fees of the third party payments are pre-recorded; when a user carries out quick payment, third party payments supported by a corresponding bank are found out according to the bank card of the user; third party payments satisfying the requirement of quota limits are found out according to the payment quotas; a third party payment costing lowest service fees is used to carry out payment; if payment fails, a third party payment costing second lowest service fees is automatically used until the payment is successful; and only when all the third party payments fail, the user is prompted with payment failure. According to the method for improving the success rate of the third party payments called in quick payment and saving service fees, based on the big data principle, the third party payment costing the lowest service fees can be found out, and payment service fees can be saved for a commercial tenant, and at the same time, the success rate of user payment is improved.

Description

technical field [0001] The invention relates to an information processing method, in particular to a method for improving the success rate of quick payment calling a third-party payment and saving handling fees. Background technique [0002] In the prior art, the user uses a third-party payment for fast payment. Although the merchant uses multiple third-party payments for polling, the payment still fails due to the following reasons not taking into account the following situations. [0003] 1. The third-party payment cooperated by the merchant does not support the user's bank card. [0004] 2. The user's payment amount exceeds the third-party payment limit for a single transaction, a single day, and a single month for the bank used by the user. [0005] In the prior art, merchants or users need to pay a large amount of handling fees when using quick payment. Contents of the invention [0006] The present invention aims to solve the above-mentioned shortcomings, and provi...

AI Technical Summary

Problems solved by technology

[0002] In the existing technology, the user uses a third-party payment to pay quickly. Although the merchant will use multiple third-party payments for polling, the payment will still fail due to the following reasons that do not take into account the following situations.

[0003] 1. The third-party payment cooperated by the merchant does not support the user's bank card

[0004] 2. The user's payment amount exceeds the single transaction, single day, and single month limit of the third-party payment for the bank used by the user

[0005] In the existing technology, merchants or users need to pay a large amount of handling fees when using fast payment

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