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Payment data processing method and apparatus, storage medium, and computer device

A payment data and processing method technology, applied in the field of Internet payment, can solve the problems of low payment success rate, transaction failure, and failure to monitor downstream channels, etc., to achieve the effect of improving payment success rate and avoiding transaction failure

Inactive Publication Date: 2018-05-11
深圳市牛鼎丰科技有限公司
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  • Abstract
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  • Application Information

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Problems solved by technology

[0003] In traditional technology, merchants often use the payment routing of the third-party aggregation payment platform to realize fund transfer by directly connecting to the third-party aggregation payment platform. Screening is carried out, and the situation of the downstream channel is not monitored. When the downstream channel is abnormal, the transaction will fail. Therefore, the payment success rate is not high

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  • Payment data processing method and apparatus, storage medium, and computer device
  • Payment data processing method and apparatus, storage medium, and computer device
  • Payment data processing method and apparatus, storage medium, and computer device

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Embodiment Construction

[0049] In order to make the above objects, features and advantages of the present invention more comprehensible, specific implementations of the present invention will be described in detail below in conjunction with the accompanying drawings. In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. However, the present invention can be implemented in many other ways different from those described here, and those skilled in the art can make similar improvements without departing from the connotation of the present invention, so the present invention is not limited by the specific implementations disclosed below.

[0050] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the technical field of the invention. The terms used herein in the description of the present invention are for the purpose of descr...

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Abstract

The invention relates to a payment data processing method and apparatus, a storage medium, and a computer device. The method comprises: a payment request carrying a merchant identifier and transactioninformation is received; when a designated payment channel corresponding to the merchant identifier does not exist, current channel information and channel screening factor priority information corresponding to the merchant identifier are obtained based on the merchant identifier; according to the current channel information and channel screening factor priority information, a payment channel with the highest priority is screened out as a current target payment channel; and a fist deduction request is generated based on the transaction information, and the first deduction request is sent to abank system corresponding to the current target payment channel, so that the bank system corresponding to the current target payment channel carries out deduction processing. Therefore, the payment success rate is increased.

Description

technical field [0001] The invention relates to the technical field of Internet payment, in particular to a payment data processing method, device, storage medium and computer equipment. Background technique [0002] With the rapid development of Internet technology, online payment methods based on Internet technology are gradually emerging. Online payment is usually realized based on various payment channels, such as Alipay payment, WeChat payment, UnionPay payment, etc. The convenient features are favored by more and more consumers and merchants. [0003] In traditional technology, merchants often use the payment routing of the third-party aggregation payment platform to realize fund transfer by directly connecting to the third-party aggregation payment platform. Screening does not monitor the downstream channel. When the downstream channel is abnormal, the transaction will fail. Therefore, the payment success rate is not high. Contents of the invention [0004] Based ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/08G06Q20/10
CPCG06Q20/023G06Q20/085G06Q20/10
Inventor 陈晓丹
Owner 深圳市牛鼎丰科技有限公司
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