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Payment account number group management method and system

A payment account and management method technology, applied in the Internet field, can solve the problems of low success rate and high payment risk, and achieve the effect of improving payment success rate, payment efficiency and success rate

Inactive Publication Date: 2017-02-01
深圳市爱贝信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Therefore, the defect in the prior art is that since each merchant and its application correspond to the same collection account number, the payment risk is high and the success rate is low during the payment process.

Method used

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  • Payment account number group management method and system
  • Payment account number group management method and system

Examples

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Embodiment 1

[0061] figure 1 It shows a flowchart of a payment account group management method provided by the first embodiment of the present invention; figure 1 As shown, the method for group management of payment accounts according to the first embodiment of the present invention includes:

[0062] Step S1, obtain the third-party channel account information, group the third-party account information according to the attribute information, and obtain the third-party channel account or account group, the third-party channel account is the payment receiving account registered on the third-party payment channel by the payment platform, and the attribute Information refers to the type of merchant;

[0063] Step S2: Obtain the order information of the user through the application of the terminal, match the merchant with the third-party channel account or account group, or match the merchant's application with the third-party channel account or account group according to the preset routing ru...

Embodiment 2

[0095] figure 2 It shows a schematic diagram of a payment account group management system provided by the second embodiment of the present invention, as shown in figure 2 As shown, the payment account group management system 10 according to the second embodiment of the present invention includes:

[0096] The payment account grouping module 101 is used to obtain third-party channel account information, group third-party account information according to attribute information, and obtain third-party channel accounts or account groups. The third-party channel account is registered on the third-party payment channel by the payment platform Collection account number, attribute information refers to the type of merchant;

[0097] The rule matching module 102 is used to obtain the order information of the user through the application of the terminal, and match the merchant with the third-party channel account or account group according to the preset routing rules, or match the mer...

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Abstract

The invention provides a payment account number group management method and system. The method comprises the following steps: obtaining third-party channel account information, and grouping the third-party channel account information according to attribute information to obtain third-party channel accounts or account groups; obtaining order information placed through an application of a terminal of a user, and according to preset routing rules, matching merchants with the third-party channel accounts or the account groups, or matching the applications of the merchants with the third-party channel accounts or the account groups to obtain a matching result; according to the matching result, judging a payment mode corresponding to the matching result; and sending a payment request to a third-party payment server to finish payment according to the payment mode. The payment account number group management method and system group the accounts according to the attribute information through the preset routing rules, wherein different merchant types are grouped to different account groups and different account groups are corresponding to different merchant types, thereby improving payment success rate.

Description

technical field [0001] The invention relates to the field of the Internet, in particular to a method and system for group management of payment accounts. Background technique [0002] With the rise of digital entertainment and e-commerce, online payment technology is also developing rapidly. [0003] In the existing payment method, the merchant needs to register the receiving account in advance to realize the user's payment to the merchant. However, because the applications of different merchants have different characteristics and there may be multiple transactions using the same account in a short period of time, it will increase the payment failure. risks of. Therefore, how to provide customers with convenient, fast and reliable payment methods is the development direction of future network payment. [0004] Therefore, the defect in the prior art is that, since each merchant and its application correspond to the same collection account number, the payment risk is high an...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/22
CPCG06Q20/227G06Q20/0855
Inventor 丘越崑吴赟张永鑫颜小刚邓东汉付文兵
Owner 深圳市爱贝信息技术有限公司
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