Credit card paying method and device

Abstract

The invention discloses a credit card payment method and device, and relates to the electronic commerce field. The method comprises the following steps: receiving a credit card payment transaction request, and searching whether corresponding card bin payment success rate information exists according to a card bin of a credit card; if the corresponding card bin payment success rate information exists, determining whether the success rate of a non-3D verifying transaction mode of the credit card recorded by the card bin payment success rate information is higher than the success rate of a 3D verifying transaction mode; and if the success rate of the non-3D verifying transaction mode is higher than the success rate of the 3D verifying transaction mode, submitting the credit card payment transaction request in the non-3D verifying transaction mode to a payment gateway for processing, or, submitting the credit card payment transaction request in the 3D verifying transaction mode to the payment gateway for processing. Through the technical scheme, a foreign trade electronic commerce platform can control submission of 3D authentication transaction in a more accurate manner, and the payment success rate of a client can be improved and the payment duration can be reduced if requirements of payment refusal index control of a risk operation department are satisfied.

Description

technical field [0001] The invention relates to the field of electronic commerce, in particular to a credit card payment method and device. Background technique [0002] The foreign trade e-commerce platform is a shopping platform for overseas buyers. In actual payment, more than 98% of overseas buyers complete payment and shopping by credit card. Therefore, credit cards have become the largest payment method on the foreign trade e-commerce platform. Credit card chargeback means that the cardholder can apply to the bank for a chargeback on a certain transaction on the bill within a certain period of time (international practice is generally 180 days) after payment. For example, when you have not received the goods, the goods are not of the right version, the card is stolen, or unauthorized, etc., the credit card holder can initiate a chargeback. In order to cope with the increasing number of chargebacks on foreign trade e-commerce platforms, to avoid the platform being puni...

AI Technical Summary

Problems solved by technology

[0004] In the process of implementing the embodiment of the present application, the inventor found that at least the following problems existed in the prior art: general judgments were made according to the country, and there was no ECI return value based on 3D verification (ECI is used to identify the return value of the 3D verification result. Whether a transaction is submitted through the 3D verification mode and whether it meets one of the judgment conditions of liability shift, in this invention, the ECI return value of the VISA card will be used to illustrate any use of the return value to achieve the improvement of the payment success rate) to carry out detailed Separate processing, for some customers who do not support 3D verification or for some card bins with a low success rate of 3D verification, resulting in customer payment failure, which has a bad impact on the platform GMV and customer experience

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