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Payment channel distribution method and payment channel distribution device

A channel and strategy configuration technology, applied in the field of communication, can solve problems such as affecting the success rate of payment, and achieve the effect of reducing the cost of use

Inactive Publication Date: 2017-09-01
ZHEJIANG NUMBER CHAIN TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] In view of this, this application provides a method and device for allocating payment channels to solve the problem that in related technologies, the directly designated payment channel is not the most suitable payment channel for the current payment business, resulting in excessive payment channel usage costs, and even Issues affecting payment success rate

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  • Payment channel distribution method and payment channel distribution device
  • Payment channel distribution method and payment channel distribution device
  • Payment channel distribution method and payment channel distribution device

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Embodiment Construction

[0021] In order to enable those skilled in the art to better understand the technical solutions in the embodiments of the present invention, and to make the above-mentioned purposes, features and advantages of the embodiments of the present invention more obvious and understandable, the following describes the existing technical solutions and the present invention in conjunction with the accompanying drawings. The technical solutions in the embodiments of the invention are described in further detail.

[0022] The rise of Internet payment has prompted more and more merchants and payment companies to choose to access payment channels. Payment channels are divided into banks and third-party channels. Different payment channels are different in terms of transaction types, transaction limits, rates, and payment success rates. not exactly. In this case, users perform payment operations on different payment channels, and the additional effects of payment channels on payment operatio...

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Abstract

The invention provides a payment channel distribution method and a payment channel distribution device. The method comprises steps: when a user carries out payment operation in a target site, payment attribute information uploaded by the target site is acquired, the payment channel name of the best payment channel matching the payment attribute information and the payment link ID of the best payment link corresponding to the best payment channel are searched in a preset channel routing table, the searched payment link ID of the best payment link is returned to the target site, and the target site completes the payment service according to the best payment link. In the embodiment of the invention, the most suitable payment channel and the payment link are dynamically selected according to the payment attribute information associated with the payment service, the payment channel use cost is effectively reduced, and the problem that when the default payment channel does not match the current transaction service, the payment success rate is influenced can be avoided.

Description

technical field [0001] The present application relates to the field of communication technology, and in particular to a method and device for allocating payment channels. Background technique [0002] The rise of Internet payment has led more and more merchants and payment companies to choose to access payment channels. Payment channels are divided into banks and third-party channels. Different payment channels have different transaction types, transaction limits, rates, and payment success rates. . [0003] In related technologies, when a user performs a payment operation on a target site, the target site usually directly specifies the payment channel selected by the user to complete the payment service based on the user's historical operation records. If ICBC personal online banking is selected for payment, the website will directly designate the payment channel connected with ICBC when the subsequent user chooses the online banking payment method for payment on the websi...

Claims

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Application Information

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IPC IPC(8): G06Q20/08
Inventor 邵奔
Owner ZHEJIANG NUMBER CHAIN TECH CO LTD
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