Payment method, device and equipment for realizing intelligent card binding

A card binding and intelligent technology, applied in the field of payment methods, devices and equipment to realize intelligent card binding, can solve the problems of users' multiple payment failures, achieve the effect of improving the payment success rate and enriching card binding channels

Pending Publication Date: 2022-05-27
厦门友微科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, if the existing bank and the three-party channel side are unbound, there is no mark in the upstream payment system, and the card is still bound, which will cause the user to fail to pay multiple times.
[0003] In the prior art, when a user makes a quick payment, he will obtain whether the quick payment agreement of the user card is valid, and if it is invalid, the user will be prompted to bind the card and then pay; but this method is only based on the selected payment channel. Determine whether the user card is invalid

Method used

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  • Payment method, device and equipment for realizing intelligent card binding
  • Payment method, device and equipment for realizing intelligent card binding
  • Payment method, device and equipment for realizing intelligent card binding

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Embodiment Construction

[0054] The invention provides a payment method for realizing smart card binding, which can allow users to preferentially use card invalidation channels in a fast payment scenario according to the judgment of invalid cards in the routing stage, so that users can re-bind cards to cover the invalidation records, and then re-bind the cards to cover the invalidation records. It avoids the screening of invalid card channels in scenarios, enriches the channels for users to bind cards in the payment system, and improves the payment success rate.

[0055] like figure 1 , is a flowchart of a payment method for realizing smart card binding provided by an embodiment of the present invention, which specifically includes:

[0056] A payment method for realizing smart card binding, comprising the following steps:

[0057] S101: Obtain a payment result table from a storage medium;

[0058] The payment result table can be obtained directly from the storage medium, including databases, file s...

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Abstract

The invention provides a payment method for realizing intelligent card binding. The payment method comprises the following steps: firstly, obtaining a payment result table from a storage medium; traversing data in the payment result table, and marking matched invalid card data in the payment result data according to an invalid card rule; identifying payment stages, and adjusting payment routing according to different payment stages to realize intelligent card binding; according to the method, the payment channels can be adjusted in different payment stages according to the judgment condition of the invalid card in the routing stage, the card binding channels of the user in the payment system are enriched, and the payment success rate is improved.

Description

technical field [0001] The invention relates to the field of payment, in particular to a payment method, device and equipment for realizing smart card binding. Background technique [0002] At present, users in the market need to go through the card binding process in order to use the payment system. The card binding process is actually a signing process between the payment system and the three-party payment channel. After signing the contract, the payment function can be used normally. There are currently three situations in which users can unbind their cards: unbinding in the payment system, unbinding in the third-party channel, and unbinding in the bank. Unbinding on any of them will make the card unusable and thus become an invalid card. Unbound in our payment channel is directly in the unbound state. However, if the existing bank and the third-party channel are unbound, there is no mark in the upstream payment system, and the card is still bound, which will cause the ...

Claims

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Application Information

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IPC IPC(8): G06Q20/34G06Q20/40
CPCG06Q20/354G06Q20/405
Inventor 李军张修森曹倩倩吴迪
Owner 厦门友微科技有限公司
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