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Payment processing method and apparatus, storage medium, and payment routing system

A processing method and payment method technology, applied in the field of Internet payment and finance, can solve the problem of low payment success rate and achieve the effect of improving the payment success rate

Inactive Publication Date: 2018-05-08
广东康美通信息服务有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In order to overcome the deficiencies of the prior art, one of the purposes of the present invention is to provide a payment processing method, which can solve the problem in the prior art that the payment success rate of the payment system is low as the business expands
[0004] The second object of the present invention is to provide a computer-readable storage medium, which can solve the problem in the prior art that the payment success rate of the payment system is low as the business expands
[0005] The third object of the present invention is to provide a payment processing device, which can solve the problem in the prior art that the payment success rate of the payment system is low as the business expands

Method used

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  • Payment processing method and apparatus, storage medium, and payment routing system
  • Payment processing method and apparatus, storage medium, and payment routing system
  • Payment processing method and apparatus, storage medium, and payment routing system

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Embodiment

[0039] The present invention provides a payment routing system, such as figure 1 As shown, it includes a guide routing module, a payment gateway module, a payment routing module and a payment channel. The guide routing module communicates with the payment channel through the payment gateway module, the payment routing module is connected with the payment gateway module, and the payment channel is connected with the bank background server.

[0040] Wherein, the guide routing module is used to display the service interface to the user. The business interface is, for example, a payment page, a page displaying order information, a page displaying transaction results, and the like. The user here refers to the person to be paid, such as the buyer and the payer.

[0041] Payment types include third-party payment and online bank payment, among which third-party payment such as WeChat payment and Alipay payment; online bank payment mainly refers to UnionPay payment, and UnionPay payme...

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PUM

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Abstract

The invention discloses a payment processing method comprising an obtaining step, a rule matching step, a payment processing step, and an updating step. At the obtaining step, a payment request of a user is obtained, wherein the payment request of the user includes a payment mode selected by the user. At the rule matching step, when the payment mode selected by the user is a direct connection payment mode, an associated routing rule in a rule base is obtained based on the payment request of the user and the routing rule is performed based on a rule matching algorithm, so that a payment channelmeeting the condition is obtained. At the payment processing step, a payment parameter is generated based on the payment channel, a payment request is initiated to a corresponding bank and a paymentresult is obtained. At the updating step, an order state is updated based on the payment result and the payment result is displayed for the user. In addition, the invention also provides a computer-readable storage medium, a payment processing apparatus, and a payment routing system. Therefore, the payment success rate of the payment system is improved substantially.

Description

technical field [0001] The present invention relates to Internet payment and finance, in particular to a method and device for displaying payment methods in Internet payment, a payment processing method, electronic equipment, storage media and a payment routing system. Background technique [0002] At present, the payment routing system is the core function of the payment platform. As the business expands and the transaction volume increases, the payment channel has the following problems: 1) The operating cost is increasing; 2) There are more and more payment channels. There are differences in the rate cost, reliability, stability, performance and availability of the channels, which reduces the payment success rate. Contents of the invention [0003] In order to overcome the deficiencies of the prior art, one of the purposes of the present invention is to provide a payment processing method, which can solve the problem in the prior art that the payment success rate of the...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/08G06N5/04
CPCG06N5/047G06Q20/027G06Q20/0855
Inventor 许冬瑾庄瑞鹏李进飞何明曾宪新刘子龙陈振裕
Owner 广东康美通信息服务有限公司
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