CN106934606A - A kind of Credit Card Payments request processing method and device - Google Patents
A kind of Credit Card Payments request processing method and device Download PDFInfo
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- CN106934606A CN106934606A CN201511022956.2A CN201511022956A CN106934606A CN 106934606 A CN106934606 A CN 106934606A CN 201511022956 A CN201511022956 A CN 201511022956A CN 106934606 A CN106934606 A CN 106934606A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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Abstract
This application discloses a kind of Credit Card Payments request processing method and device.A kind of Credit Card Payments request processing method includes：Receive the payment request of user side；Ask to be in the case of being asked based on the payment for having bound credit card, to judge whether this payment needs to use credit card security code in described payment；If it is, generation prompt message, to point out the safety code of credit card described in user input；Obtain the safety code that user is input into according to the prompt message；The binding information of obtained safety code and the credit card is utilized, the payment request to the user side is reconstructed, obtain the payment request of code information safe to carry；The payment request of the code information safe to carry is sent to bank side.Such scheme can improve user's simple operation and input success rate, reduce the payment mortality of Third-party payment platform, reduce the unnecessary consumption of system resource.
Description
Technical field
The application is related to Third-party payment technical field, more particularly to a kind of Credit Card Payments request processing method
And device.
Background technology
Third-party payment is a kind of network payment pattern, and this pattern is the independent agency by possessing prestige guarantee
By the way of being contracted with each big bank, there is provided platform reality is supported in the transaction with bank payment settlement system interface
It is existing.Third-party payment platform not only reduces the link cost between all types of user and bank, and can have
Supervision effect is played to effect, network trading means and credit intermediary main at present is had become.
Binding bank card is that Third-party payment platform is used to lift a kind of basic mode that user pays experience,
In binding procedure, user needs for the essential informations such as bank card number, name, ID card No. to be supplied to
Tripartite's payment platform, after Third-party payment platform checking is errorless, using these essential informations as the bank card
Binding information is preserved.After the completion of binding, when user carries out online transaction, it is only necessary in Third-party payment
The bank card bound is selected on platform, Third-party payment platform will be automatically silver-colored with user according to binding information
Row account is docked, so as to avoid the trouble of each transaction of user all information such as input bank card number.
At present, the Third-party payment platform of main flow not only supports the binding to debit card, additionally it is possible to support to letter
With the binding of card.Compared with common debit card, credit card possesses a kind of distinctive information：Credit card security code.
The effect of the information is similar with trading password, is all for confirming user identity.When actually used, have
A little scenes need user to provide safety code could be completed to pay, but for safety purposes, Third-party payment is put down
Platform will not preserve credit card security code when being bound to credit card.So caused by problem be：Needing
The payment scene of safety code is provided, if user directly carries out payment using the credit card of binding occurs mistake
By mistake.If user wants to continue to be paid using credit card, can only according to using neocaine mode, manually
Other essential informations such as credit card security code and card number, name, identification card number are input into, not only user's operation
Cumbersome, maloperation probability is greatly increased, and for Third-party payment platform, pays the weight caused by failure
Multiple treatment also brings along extra system resources consumption.
The content of the invention
For above-mentioned technical problem, the application provides a kind of Credit Card Payments request processing method and device, skill
Art scheme is as follows：
According to the first aspect of the application, there is provided a kind of Credit Card Payments request processing method, the 3rd is applied to
Square payment platform, the method includes：
Receive the payment request of user side；
Ask to be in the case of being asked based on the payment for having bound credit card, to judge that this pays in described payment
Whether credit card security code is needed to use；
If it is, generation prompt message, to point out the safety code of credit card described in user input；
Obtain the safety code that user is input into according to the prompt message；
The binding information of obtained safety code and the credit card is utilized, the payment request to the user side
It is reconstructed, obtains the payment request of code information safe to carry；
The payment request of the code information safe to carry is sent to bank side.
According to the second aspect of the application, there is provided a kind of Credit Card Payments asks processing unit, is applied to the 3rd
Square payment platform, the device includes：
Request receiving module is paid, the payment for receiving user side is asked；
Judge module, in the case of being based on the payment request for having bound credit card in the payment request,
Judge whether this payment needs to use credit card security code；
Reminding module, in the case where judging that this payment needs to use credit card security code, then generating
Prompt message, to point out the safety code of credit card described in user input；
Safety code obtains module, for obtaining the safety code that user is input into according to the prompt message；
Request-rebuild module is paid, the binding information for utilizing obtained safety code and the credit card,
Payment request to the user side is reconstructed, and obtains the payment request of code information safe to carry；
Request sending module is paid, for the payment request of the code information safe to carry to be sent to bank side.
Using technical scheme provided herein, Third-party payment platform can need to provide credit card peace
Under the payment scene of all-key, complete to pay by requiring nothing more than user's supplement input safety code, it is to avoid user is manual
Other essential informations that input had been bound, so as to improve user's simple operation and input success rate.For
For Third-party payment platform, then payment mortality can be effectively reduced, reduce the unnecessary of system resource and disappear
Consumption.
It should be appreciated that the general description of the above and detailed description hereinafter are only exemplary and explanatory,
The application can not be limited.
Brief description of the drawings
In order to illustrate more clearly of the embodiment of the present application or technical scheme of the prior art, below will be to implementing
Example or the accompanying drawing to be used needed for description of the prior art are briefly described, it should be apparent that, describe below
In accompanying drawing be only some embodiments described in the application, for those of ordinary skill in the art,
Other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is the Third-party payment platform interworking architecture schematic diagram of the application；
Fig. 2 is the schematic flow sheet of the Credit Card Payments request processing method of the application；
Fig. 3 is that the credit card security code of the application uses the schematic flow sheet of determination methods；
Fig. 4 is the first structural representation of the Credit Card Payments request processing unit of the application；
Fig. 5 is second structural representation of the Credit Card Payments request processing unit of the application.
Specific embodiment
Credit card security code is the string number for being printed upon credit card card signature area, and it is by card number, term of validity kimonos
Business code constraint is generated by the coding rule and AES of card sending mechanism, generally 3 or 4, is used
User identity is checked when non-at-scene transaction.Different card sending mechanisms are different to the call of credit card security code, example
Safety code such as VISA credit card is called CVV2 (Card Verification Value 2), the safety of MasterCard
Code is called CVC2 (Card Validation Code 2), but essential is identical.
Credit card security code is applied relatively extensively in the world, and some domestic banks also begin to support to be somebody's turn to do at present
Service, credit card user only just can complete to pay with safety code using phone or network, therefore safety code
It is considered as " second payment cipher " of credit card, belongs to the privacy information of user, Third-party payment platform exists
Do not require that user provides credit card security code during binding credit card, credit card security code will not also be preserved.
If running into the situation for needing to use credit card security code, the credit card binding information failure for having stored is existing
Some solutions are that guiding user completes to pay using other fund accounts (such as the debit card bound),
Or guiding user uses credit card in the way of neocaine (unbundling).
Regarding to the issue above, the application provides following technical scheme：
After Third-party payment platform is received based on the payment request of credit card has been bound, first determine whether that this is propped up
Whether need provide credit card security code, point out user supplement input safety code if necessary, Ran Houli if paying
The safety code of user's supplement input and the credit card binding information for having stored rebuild payment request and send to silver
Row side.This mode can allow in the case where that need not be manually entered other credit card essential informations, after
It is continuous to complete to pay using the credit card bound, so as to improve user's simple operation and input success rate.It is right
For Third-party payment platform, then payment mortality can be effectively reduced, reduce the unnecessary of system resource
Consumption.
In order that those skilled in the art more fully understand the technical scheme in the application, below in conjunction with this Shen
Accompanying drawing that please be in embodiment, is described in detail, it is clear that institute to the technical scheme in the embodiment of the present application
The embodiment of description is only some embodiments of the present application, rather than whole embodiments.Based on the application
In embodiment, the every other embodiment that those of ordinary skill in the art are obtained should all belong to this Shen
The scope that please be protect.
During including Third-party payment at one, the main body being related to includes that paying party, Third-party payment are put down
Platform, bank and beneficiary.Application scheme based on Third-party payment platform realize, Third-party payment platform
Effect in payment process is：According to the payment request that paying party is initiated, further to bound bank card
Affiliated bank initiate to pay request, request bank from paying party account transfer payment expense to beneficiary account
Family.It is shown in Figure 1, in application scheme, the interaction agent that Third-party payment platform 20 is actually related to
Including paying party user side equipment 10 and bank's side apparatus 30, wherein user side equipment can be PC, hand
Machine, panel computer etc., Third-party payment platform 20 and bank's side apparatus 30 are usually then the form of server,
Can be communicated to connect by various forms of real-time performances between equipment.For convenience of description, in the application hereinafter
Scheme will be illustrated with " user side " and " bank side " respectively.
It is the flow chart of the Credit Card Payments request processing method that the application is provided shown in Fig. 2, the method can
To comprise the following steps：
S101, receives the payment request of user side；
When paying party user needs to pay expense to beneficiary, browser or special visitor are passed through on personal device
The application of family end signs in Third-party payment platform, selects a bank card bound in platform and confirms branch
Fu Hou, user equipment sends to Third-party payment platform and pays request, except ID, is bound bank
Outside card mark, payment cost information and beneficiary information at least should be also carried in payment request.
S102, judges whether this payment needs to use credit card security code；If it is S103 is performed, it is no
Then it is transferred to existing normal payment processes flow.
Application scheme proposes only for user using the scene that credit card paid has been bound, third party's branch
After paying the payment request that platform receives user side, first determine whether whether payment request is based on having bound credit
Card, if it is determines whether whether this payment needs to use credit card security code, is otherwise transferred to other
The handling process of channel of disbursement.
On how to judge whether this payment needs to use credit card security code, the application provides following two
Scheme：
Scheme 1, the feedback message according to bank side judges：
Step a) reconstruct pays request；
Third-party payment platform according to credit card mark specified in payment request, obtains the credit card first
Binding information, then according to acquired in binding information, to user side send payment request carry out weight
Structure.
In restructuring procedure, in addition to original pays the payment cost information and beneficiary information that are carried in request,
Credit card number, address name, user identity card number, user are also further added in request is paid
The binding informations such as phone number, credit card effective period.It should be noted that during actual delivery, different bank
The specifying information of required offer may be otherwise varied.But in addition to credit card security code, Third-party payment
General necessary information of the platform required for payment can be carried out storage, when the application pays request to reconstruct
The particular content of the binding information for being added also and need not be defined.
Step b) will reconstruct the payment request for obtaining and send to bank side；
Step c) judges whether this payment needs to use credit card security code according to the feedback message of bank side.
Firstly, since the general necessary information needed for paying has been contained in the payment request of reconstruct, therefore
This payment is possible to disposably successfully, and in this case, this payment processes has actually been completed,
Third-party payment platform directly can pay successful information to user feedback.
If paying failure, Third-party payment platform needs to further determine that causes the reason for paying failure.
Specifically, after failure is paid, meeting when the lateral Third-party payment platform feedback of bank pays failed message
Further provide for error code, Third-party payment platform can judge failure cause according to error code, and according to
Failure cause makes corresponding treatment：
If cause to pay due to lacking credit card security code failing, it is determined that this payment is needed to use
Credit card security code, continues executing with the follow-up failure handling flow of application scheme；
If cause to pay due to other reasonses (such as account balance is not enough, account is frozen etc.) losing
Lose, then perform normal failure handling flow according to the scheme of prior art.
Here also there are a kind of special circumstances being likely to occur is：Failure cause both included " lacking credit card peace
All-key ", also including other reasonses, may now need to judge whether to continue executing with the application as the case may be
The failure handling flow of scheme, naturally it is also possible to be right according to certain different reasons institutes of priority orders execution
The failure handling flow answered, or the failure handling flow of execution application scheme is right with other reasonses institute simultaneously
The failure handling flow answered.For example, a kind of available processing scheme is：First determine the serious level of a variety of causes
Not, the failure handling stream corresponding to more serious reason is preferentially then performed according to the order of severity of failure cause
Journey.Certainly, the service logic in practical application is likely more complexity, and the scheme that the present embodiment is provided only is used
In schematically illustrating, those skilled in the art can flexibly work out specific treatment side according to actual business demand
Case.
Scheme 2, local autonomous judgement：
In actual business procession, " whether payment needs credit card security code " is not one random
Event, but determined according to the rule of some objective realities, if it is possible to these rule modelizations simultaneously
And storage is in Third-party payment platform, then Third-party payment platform is being received based on having bound credit card
After paying request, it is possible to according to the concrete condition that this is asked, directly locally judging that this payment is
It is no to need to use credit card security code.
For now, whether one pays the difference for needing credit card security code to depend primarily on Ge Jia banks
Policy, and as the Third-party payment platform of bank contract party, the content of these policies can be collected completely,
And by the content model of further these policies, a series of credit card security code usage scenario feature is formed,
For example：
Bank A, any situation is required for providing credit card security code；
Bank B, pays and needed when amount is more than or equal to 200 yuans offer credit card security code；
Bank C, needs to provide credit card security code when being settled accounts using foreign currency；
……
Certainly, above rule is only used for schematically illustrating, and specific bank policy content is likely more complexity,
And " whether pay needs credit card security code " is also possible to deposit the influence factor outside aspect in the bank,
But it is understood that：As long as there is the rule of determination, it becomes possible to set up corresponding rule model.
Third-party payment platform sets up corresponding rule model according to each bank policy, receives based on credit card
Payment request after, from pay request in extract correlation payment information, the affiliated bank of such as credit card, branch
Pay amount, pay currency type etc., then judge whether these information use field with the credit card security code for prestoring
Scape feature matches, and determines that this payment needs to use credit card security code if matching.
S103, generates prompt message, to point out the safety code of credit card described in user input；
After determining that this payment needs to use credit card security code, Third-party payment platform needs in some way
Inform user：This payment needs to provide credit card security code.Specifically, Third-party payment platform can be with
A credit card security code inputting interface is built, being presented in user in the form of webpage or customer terminal webpage sets
It is standby upper, to point out user to supplement input credit card security code.User is not needed to rewrite it in the interface
The information that he provided in binding, such as name, ID card No. etc..Certainly, in order to improve
Security, can also further requirement user input some necessary authentication informations, such as page at the interface
Random verification code, short message verification code etc..Additionally, Third-party payment platform can also by instant communication message,
The modes such as short message point out user input credit card security code, and the application need not simultaneously be defined to this.
S104, obtains the safety code that user is input into according to the prompt message；
After user is according to the prompting of Third-party payment platform supplement input safety code, Third-party payment platform is obtained
The safety code, continues executing with subsequent operation.
S105, utilizes the binding information of obtained safety code and the credit card, and the payment to user side please
Ask and be reconstructed, obtain the payment request of code information safe to carry；
Safety code and the binding information of credit card that Third-party payment platform is input into according to user's supplement, to user
The payment the sent request of side is reconstructed.
In restructuring procedure, in addition to original pays the payment cost information and beneficiary information that are carried in request,
Safety code and credit card number, address name, user identity are also further added in request is paid
The binding informations such as card number, subscriber phone number, credit card effective period.During actual delivery, different bank institute
It is required that the specifying information for providing may be otherwise varied, in addition to credit card security code, the application pays to reconstruct
The particular content of the binding information added during request need not be defined.
It should be noted that the reconstruct in S102 schemes 1 pays request pays request with the reconstruct in this step
There is no positive connection, both differences are also apparent from：
The former is reconstructed merely with " binding information ", code not safe to carry in reconstruction result；
The latter utilizes " binding information " and " safety code " to be reconstructed, code safe to carry in reconstruction result.
S106, the payment request of code information safe to carry is sent to bank side.
After the payment request of code information safe to carry is sent to bank side by Third-party payment platform, if do not had
Other problemses, then this payment will directly succeed, and Third-party payment platform can be directly to user feedback
Pay successful information.Certainly, it is also possible to cause to pay due to other non-credit card security codes here
Failure, these are unrelated with application scheme, therefore are no longer described further.
In the above embodiments, for " how judging whether this payment needs to use credit card security code ",
There is provided " feedback message according to bank side judges " and " local autonomous judgement " two schemes, wherein the
A kind of scheme is not due to needing the support of local data, therefore it is relatively low to implement threshold, and due to being real
When judge, therefore, it is possible to the accuracy for ensureing to judge, shortcoming is however it is necessary that increasing third party at least one times
Payment platform is interacted with bank side.The advantage of second scheme is completely local in Third-party payment platform
Realize judging, but require the enough local data of accumulation, and may due to data collection not exclusively or
The objective factor such as not in time is updated, causes to be actually needed being mistaken for using using the situation of safety code
Safety code, and then existing normal payment processes flow is transferred to, and the problem being previously mentioned in background technology is still
Cannot avoid.
For the advantage and disadvantage of both the above scheme, the application also provides a kind of improved judgement scheme：It is sharp first
Judged with local mode, if it is determined that thinking that credit card security code need not be used, further utilized
The mode of bank's side feedback is judged.The flow chart of the method can be found in shown in Fig. 3, comprise the following steps that：
S102a, according to user side payment request corresponding to payment information, judge this pay whether with advance
The credit card security code usage scenario characteristic matching for first storing, goes to S102b, if mismatched if matching
Then go to S102c；
S102b, determines that this payment needs to use credit card security code.
S102c, using the binding information of credit card, the payment request to user side is reconstructed, will reconstruct
The payment request arrived is sent to bank side；
S102d, if failure were paid, and the error code fed back according to bank side would judge that paying failure cause includes
Lack safety code, then go to S102b, otherwise go to S102e；
S102e, determines that this payment need not use credit card security code, and concrete condition is probably to pay successfully,
It is unrelated with application scheme or other reasonses cause to pay failure, it is not described further here.
Above-mentioned steps S102a-S102e's implements the description that may refer to relevant portion in S102, this reality
Apply and explanation is not repeated in example.Using above-mentioned determination methods, tentatively judged first with local mode,
Scene characteristic matching according to " the needing to use safety code " stored in local data, can filter out this
Pay the situation of " needing to use safety code ".It is contemplated that local data may collect sufficiently complete, or
Person updates not in time, therefore for that cannot match the payment request of feature, does not also assert that it need not directly
Using safety code, but the mode for being transferred to bank's side feedback is determined whether.The benefit of do so is at least wrapped
Include the following aspects：
First, Third-party payment platform only cannot determine that this payment needs to use credit according to local data
In the case of card safety code, just can further be interacted with bank side, can effectively save interactive expense；
Secondly, after Third-party payment platform locally judges, a part of " needs have actually been filtered out
The payment request of safety code ", so also can accordingly improve in the payment request success rate transmitted by S102c.
Finally, it is local to judge only to can determine that " needing safety code ", without can determine whether " not needing safety code ",
So as to avoid being actually needed it is mistaken for that safety code need not be used using the situation of safety code.Although still may be used
The reason such as not in time can be updated due to local data, cause " safety code will not to be needed " being mistaken for that " needs make
With safety code ", but subsequently also only understand extra demand user supplement input once safety code, and its cost is far below
" safety code will be needed to use " and be mistaken for " safety code need not be used " and then be transferred to existing normal payment
Various problems caused by handling process.
After S102d determines that this payment needs to use safety code according to the error code that bank side is fed back, also
The relevant information that can be paid further directed to this is recorded, and record here does not imply that conventional meaning
On payment processes log recording, but it is local to improve Third-party payment platform to be desirable with these information
Credit card security code usage scenario characteristic.Because according to the scheme of the present embodiment, how to go to
S102d branches, then illustrate that Third-party payment platform local data is not enough to the current payment demand of identification,
And result mutual with bank top-cross in real time just can be supplemented or updated for above-mentioned deficiency.For example：With
Family is desirable for 100 yuan of the Credit Card Payments RMB of bank D, and Third-party payment platform does not have locally
The credit card security code usage scenario feature of bank D is stored, therefore local judgement cannot determine to need to use peace
All-key, and then by the mode mutual with bank top-cross, to learn and use any amount of money of Credit Card Payments in bank D
It is required for using safety code, then new credit card security code usage scenario feature can be generated according to this rule,
It is added in the data being locally stored.Even if specific rule is not fed back in bank side, the content for being recorded
Attendant can be reminded：Third-party payment platform local data is not enough to the current payment demand of identification, with
Just attendant takes other means to be updated local data in time so that local data can be held
Continuous property is perfect.
Corresponding to above method embodiment, the application also provides a kind of credit for being applied to Third-party payment platform
Card pays request processing unit, and referring to shown in 4 figures, the device can include：
Request receiving module 210 is paid, the payment for receiving user side is asked；
Judge module 220, for asking to be the situation based on the payment request for having bound credit card in described payment
Under, judge whether this payment needs to use credit card security code；
Reminding module 230, in the case where judging that this payment needs to use credit card security code, then giving birth to
Into prompt message, to point out the safety code of credit card described in user input；
Safety code obtains module 240, for obtaining the safety code that user is input into according to the prompt message；
Request-rebuild module 250 is paid, the binding information for utilizing obtained safety code and the credit card,
Payment request to the user side is reconstructed, and obtains the payment request of code information safe to carry；
Request sending module 260 is paid, for the payment request of the code information safe to carry to be sent to bank
Side.
In the first device specific embodiment of the application, judge module 220 can be specifically for：
Using the binding information of credit card, the payment request to user side is reconstructed；The branch for obtaining will be reconstructed
Request is paid to send to bank side；If paying failure, the error code fed back according to bank side judges that payment is lost
Lose whether reason includes lacking safety code, credit card security code is needed to use if determining that this pays including if.
In second device specific embodiment of the application, judge module 220 can be specifically for：
According to user side payment request corresponding to payment information, judge this pay whether with prestore
Credit card security code usage scenario characteristic matching, if matching if determine that this payment needs to use credit card
Safety code.
In the third device specific embodiment of the application, judge module 220 can be specifically for：
First according to user side payment request corresponding to payment information, judge this pay whether with advance
The credit card security code usage scenario characteristic matching of storage, determines that this payment needs to use letter if matching
Use card safety code.
In the case of judged result is unmatched, using the binding information of credit card, the payment to user side
Request is reconstructed；The payment request for obtaining will be reconstructed to send to bank side；If paying failure, basis
The error code of bank's side feedback judges to pay whether failure cause includes lacking safety code, determines if including if
This payment needs to use credit card security code.
As shown in figure 4, according to the third device specific embodiment of the application, the device can also enter one
Step includes：
Logging modle 270, for determining that this pays according to the error code that bank side is fed back in judge module 220
After needing to use credit card security code, this payment is recorded, the content for being recorded is used to generate credit
Card safety code usage scenario feature.
The function of modules and the implementation process of effect specifically refer to correspondence step in the above method in said apparatus
Rapid implementation process, will not be repeated here.
As seen through the above description of the embodiments, those skilled in the art can be understood that this
Application can add the mode of required general hardware platform to realize by software.Based on such understanding, this Shen
The part that technical scheme please substantially contributes to prior art in other words can be in the form of software product
Embody, the computer software product can be stored in storage medium, such as ROM/RAM, magnetic disc,
CD etc., including some instructions are used to so that computer equipment (can be personal computer, server,
Or the network equipment etc.) perform method described in some parts of each embodiment of the application or embodiment.
Each embodiment in this specification is described by the way of progressive, identical phase between each embodiment
As part mutually referring to what each embodiment was stressed is the difference with other embodiment.
For especially for device embodiment, because it is substantially similar to embodiment of the method, so describing to compare
Simply, the relevent part can refer to the partial explaination of embodiments of method.Device embodiment described above is only
It is only illustrative, wherein the module illustrated as separating component can be or may not be physics
It is upper separate, when application scheme is implemented can the function of each module in same or multiple softwares and/or
Realized in hardware.Some or all of module therein can also be according to the actual needs selected to realize this reality
Apply the purpose of a scheme.Those of ordinary skill in the art are without creative efforts, you can with
Understand and implement.
The above is only the specific embodiment of the application, it is noted that common for the art
For technical staff, on the premise of the application principle is not departed from, some improvements and modifications can also be made,
These improvements and modifications also should be regarded as the protection domain of the application.
Claims (12)
1. a kind of Credit Card Payments request processing method, is applied to Third-party payment platform, it is characterised in that
The method includes：
Receive the payment request of user side；
Ask to be in the case of being asked based on the payment for having bound credit card, to judge that this pays in described payment
Whether credit card security code is needed to use；
If it is, generation prompt message, to point out the safety code of credit card described in user input；
Obtain the safety code that user is input into according to the prompt message；
The binding information of obtained safety code and the credit card is utilized, the payment request to the user side
It is reconstructed, obtains the payment request of code information safe to carry；
The payment request of the code information safe to carry is sent to bank side.
2. method according to claim 1, it is characterised in that described to judge whether this payment needs
Using credit card security code, including：
Using the binding information of the credit card, the payment request to the user side is reconstructed；
The payment request for obtaining will be reconstructed to send to bank side；
If paying failure, the error code fed back according to bank side judges to pay whether failure cause includes lacking
Few safety code, credit card security code is needed to use if determining that this pays including if.
3. method according to claim 1, it is characterised in that described to judge whether this payment needs
Using credit card security code, including：
According to the user side payment request corresponding to payment information, judge this pay whether with advance
The credit card security code usage scenario characteristic matching of storage, determines that this payment needs to use letter if matching
Use card safety code.
4. method according to claim 3, it is characterised in that the payment information includes：
The affiliated bank information of credit card, and/or payment information.
5. method according to claim 3, it is characterised in that methods described also includes：
In the case of judged result is unmatched, using the binding information of the credit card, to the user
The payment request of side is reconstructed；
The payment request for obtaining will be reconstructed to send to bank side；
If paying failure, the error code fed back according to bank side judges to pay whether failure cause includes lacking
Few safety code, credit card security code is needed to use if determining that this pays including if.
6. method according to claim 5, it is characterised in that methods described also includes：
After the error code fed back according to bank side determines that this payment needs to use credit card security code, to this
Payment is recorded, and the content for being recorded is used to generate credit card security code usage scenario feature.
7. a kind of Credit Card Payments request processing unit, is applied to Third-party payment platform, it is characterised in that
The device includes：
Request receiving module is paid, the payment for receiving user side is asked；
Judge module, in the case of being based on the payment request for having bound credit card in the payment request,
Judge whether this payment needs to use credit card security code；
Reminding module, in the case where judging that this payment needs to use credit card security code, then generating
Prompt message, to point out the safety code of credit card described in user input；
Safety code obtains module, for obtaining the safety code that user is input into according to the prompt message；
Request-rebuild module is paid, the binding information for utilizing obtained safety code and the credit card,
Payment request to the user side is reconstructed, and obtains the payment request of code information safe to carry；
Request sending module is paid, for the payment request of the code information safe to carry to be sent to bank side.
8. device according to claim 7, it is characterised in that the judge module, specifically for：
Using the binding information of the credit card, the payment request to the user side is reconstructed；Will reconstruct
The payment request for obtaining is sent to bank side；If paying failure, sentenced according to the error code that bank side is fed back
It is disconnected to pay whether failure cause includes lacking safety code, determine that this payment needs to use credit if including
Card safety code.
9. device according to claim 7, it is characterised in that the judge module, specifically for：
According to the user side payment request corresponding to payment information, judge this pay whether with advance
The credit card security code usage scenario characteristic matching of storage, determines that this payment needs to use letter if matching
Use card safety code.
10. device according to claim 9, it is characterised in that the payment information includes：
The affiliated bank information of credit card, and/or payment information.
11. devices according to claim 9, it is characterised in that the judge module is additionally operable to：
In the case of judged result is unmatched, using the binding information of the credit card, to the user
The payment request of side is reconstructed；The payment request for obtaining will be reconstructed to send to bank side；If paying failure,
The error code for then being fed back according to bank side judges to pay whether failure cause includes lacking safety code, if including
Then determine that this payment needs to use credit card security code.
12. devices according to claim 11, it is characterised in that described device also includes：
Logging modle, for determining that this pays need according to the error code that bank side is fed back in the judge module
After will be using credit card security code, this payment be recorded, the content for being recorded is used to generate credit card
Safety code usage scenario feature.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111289729.1A CN113947396A (en) | 2015-12-30 | 2015-12-30 | Credit card payment request processing method and device |
| CN201511022956.2A CN106934606B (en) | 2015-12-30 | 2015-12-30 | Credit card payment request processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201511022956.2A CN106934606B (en) | 2015-12-30 | 2015-12-30 | Credit card payment request processing method and device |
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| CN202111289729.1A Division CN113947396A (en) | 2015-12-30 | 2015-12-30 | Credit card payment request processing method and device |
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| CN106934606A true CN106934606A (en) | 2017-07-07 |
| CN106934606B CN106934606B (en) | 2021-09-14 |
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| CN201511022956.2A Active CN106934606B (en) | 2015-12-30 | 2015-12-30 | Credit card payment request processing method and device |
| CN202111289729.1A Pending CN113947396A (en) | 2015-12-30 | 2015-12-30 | Credit card payment request processing method and device |
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| CN202111289729.1A Pending CN113947396A (en) | 2015-12-30 | 2015-12-30 | Credit card payment request processing method and device |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN113947396A (en) | 2022-01-18 |
| CN106934606B (en) | 2021-09-14 |
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