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Payment Routing Method and Apparatus

A payment method and routing technology, applied in the field of data processing, can solve problems such as fixation

Active Publication Date: 2021-06-29
JINGDONG TECH HLDG CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In related technologies, the choice of payment channel is often manually configured, which is relatively fixed.

Method used

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  • Payment Routing Method and Apparatus
  • Payment Routing Method and Apparatus
  • Payment Routing Method and Apparatus

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Embodiment Construction

[0028] The technical solution of the present disclosure will be described in further detail below with reference to the drawings and embodiments.

[0029] The flowchart of an embodiment of the payment routing method of the present disclosure is as follows figure 1 As shown, steps 101-103 are included.

[0030] In step 101, a payment request from a user is received. In one embodiment, the payment request can be obtained when the user confirms to generate an order, or when the user scans the payment code, clicks the payment link, or receives the payment request from the user when the user activates the payment function.

[0031] In step 102, a payment channel is selected according to the payment method selected by the user and the payment conditions of each payment channel. In one embodiment, the payment methods that the user can choose may include WeChat, Alipay, JD Pay, Apple Pay, online banking payment, and quick payment. Payment channels may include bank channels, UnionPa...

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Abstract

The present disclosure provides a payment routing method and device, which relate to the technical field of data processing. A payment routing method of the present disclosure includes: receiving a payment request; selecting a payment channel according to a payment method selected by a user and payment conditions of each payment channel; and completing user payment through the selected payment channel. Through this method, the payment channel can be dynamically selected according to the payment method selected by the user and the payment conditions of the payment channel, so that the selection of the payment channel can be dynamically adjusted according to the change of the user's needs and the payment conditions, and the flexibility of the payment channel selection is improved. sex.

Description

technical field [0001] The present disclosure relates to the technical field of data processing, in particular to a payment routing method and device. Background technique [0002] At present, the proportion of online transactions is getting higher and higher. After the user confirms the online payment through face-to-face or online orders, the background needs to call the channels with transaction authority, such as various banks, UnionPay or other third-party payment channels to complete the funds. transfer. In related technologies, the selection of payment channels is often manually configured, which is relatively fixed. Contents of the invention [0003] One purpose of the present disclosure is to improve the flexibility of payment channel selection. [0004] According to some embodiments of the present disclosure, a payment routing method is proposed, including: receiving a payment request; selecting a payment channel according to the payment method selected by the ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/02G06Q20/08G06Q20/32
CPCG06Q20/023G06Q20/0855G06Q20/3223
Inventor 胡彦丽
Owner JINGDONG TECH HLDG CO LTD