Network Tokenization
Visa、Mastercard 等卡网络提供网络令牌化服务。网络令牌是 16 位主帐号 (PAN) 替代方案。
以下是使用网络代币进行支付的好处:
- 减少购物者的摩擦和拒绝,因为网络令牌由卡网络维护和自动更新。
- 与没有网络令牌的付款相比,授权率更高。
- 更好的支付安全性,因为每笔交易都受到一次性使用密码的保护。
- 因为网络令牌由卡网络管理,所以对关联卡的任何更新都不需要令牌更新。例如,如果卡过期或购物者丢失了卡然后重新发行,您仍然可以使用相同的令牌进行交易。
PingPongCheckout暂未开放收集Network token的功能,您可以选择自行收集和存储。如果您已经从 Visa、Mastercard 等卡网络收集网络令牌,您可以使用它们在 PingPongCheckout 进行支付。
# 使用NetworkToken支付前提
在开始之前需要接入API:
# 关键入参
使用NetworkToken支付必须要在统一下单接口的入参基础上添加下面这几个参数:
- paymentBrand固定传值networkToken,如果用卡组的token必传;
- payMethodInfo.card.schemeTokenValue对应的是token值,您可以将提前收集到的网络令牌信息通过这个参数传入;
- payMethodInfo.card.paymentBrand表示卡品牌,
visa
/MasterCard
。 - payMethodInfo.card.tokenCryptogram,用于验证卡片和终端之间的交易数据。
参数字段 | 参数类型 | 参数属性 | 参数说明 |
---|---|---|---|
paymentBrand | String(16) | C | 固定传入:networkToken ,如果用卡组的token必传。 |
payMethodInfo.card.schemeTokenValue | String(16) | C | 卡组的token,如果用卡组的token必传 |
payMethodInfo.card.paymentBrand | String(16) | C | 卡品牌,如果用卡组的token必传,visa /MasterCard |
payMethodInfo.card.tokenCryptogram | String | C | 加密的数值字符串,用于验证卡片和终端之间的交易数据。 如果用卡组的token必传 |
# 请求示例
{
"clientId": "2018092714313010016",
"accId": "2018092714313010016431",
"amount": 10,
"version": "1.0",
"currency": "HKD",
"merchantTransactionId": "{{merchantTransID}}",
"paymentType": "SALE",
"paymentBrand": "networkToken",
"shopperResultUrl": "https://aa.com",
"shopperCancelUrl": "https://aa.com",
"signType": "MD5",
"threeDSecure": "N",
"sign": "{{sign}}",
"requestId": "TEST12345-122452",
"acquirerType": "PAY",
"notificationUrl": "https://test-acquirerpay.pingpongx.com/qa/notify",
"tradeCountry": "TH",
"browserInfo": {
"userAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
"acceptHeader": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
"language": "nl-NL",
"colorDepth": 24,
"screenHeight": 723,
"screenWidth": 1536,
"timeZoneOffset": 0,
"javaEnabled": true
},
"payMethodInfo": {
"card": {
"expireMonth": "05",
"expireYear": "2026",
"holderFirstName": "James",
"holderLastName": "LeBron",
"schemeTokenValue": "5174789899998543",
"tokenCryptogram":"AOTvetvGZ554AziEN5FzAAADFA==",
"paymentBrand": "Mastercard"
}
},
"billing": {
"city": "Birmingham",
"country": "US",
"email": "3ds@pingpongx.com",
"firstName": "James",
"lastName": "LeBron",
"phone": "18301770495",
"postcode": "35222",
"state": "AL",
"street": "1986 Broad Street"
},
"shipping": {
"city": "Miami",
"country": "US",
"email": "t_email",
"firstName": "Jamesbb",
"lastName": "LeBronbb",
"phone": "3055787342",
"postcode": "33131",
"state": "FL",
"street": "701 Brickell Avenue, Suite 2700"
},
"customer": {
"acquisitionChannel": "SEARCH_ENGINE",
"customerId": "20191201001",
"domain": "pingpongx.com",
"email": "3ds@pingpongx.com",
"firstName": "James",
"lastName": "LeBron",
"lastPayTime": "201905120330",
"loginIp": "222.126.52.24",
"loginTime": "201912010032",
"orderCountry": "US",
"orderIp": "222.126.52.23",
"orderTime": "20191201001",
"payCountry": "US",
"payIp": "222.126.52.25",
"phone": "18301770495"
}
}
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上次更新: 2023/06/20, 21:49:22