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Payment route selection method,device and equipment and storage medium

A technology for routing and payment requests, applied in the financial field, to achieve high reliability, improve payment experience, and fast configuration effects

Pending Publication Date: 2019-04-23
深圳平安财富宝投资咨询有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The main purpose of the present invention is to provide a payment route selection method, device, equipment and storage medium, aiming to solve the technical problem that the existing technology cannot realize the rapid configuration of the payment route for payment according to different payment requests

Method used

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  • Payment route selection method,device and equipment and storage medium
  • Payment route selection method,device and equipment and storage medium
  • Payment route selection method,device and equipment and storage medium

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Embodiment Construction

[0046] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0047] refer to figure 1 , figure 1 It is a schematic structural diagram of the payment routing selection device of the hardware operating environment involved in the solution of the embodiment of the present invention.

[0048] Such as figure 1 As shown, the payment routing selection device may include: a processor 1001 , such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002 , a user interface 1003 , a network interface 1004 , and a memory 1005 . Wherein, the communication bus 1002 is used to realize connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface. The networ...

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PUM

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Abstract

The invention discloses a payment route selection method, device and equipment and a storage medium. The method comprises the following steps of receiving a current payment request sent by a user, andobtaining a plurality of available payment routes; searching a target decision tree model corresponding to the current payment request in a preset database; screening a plurality of available paymentroutes based on the target decision tree model; taking the screened available payment route as a target payment route for payment; determining a plurality of available payment routes and decision tree models firstly according to a received current payment request; screening the obtained available payment routes through the decision tree model, and performing payment through the screened target payment route. According to the invention, the tedious operation of manually configuring the routing strategy to select the payment routing by a worker is avoided, the high reliability of the screened payment routing is ensured, the rapid configuration of the payment routing is realized, and the payment experience is improved.

Description

technical field [0001] The present invention relates to the field of financial technology, in particular to a payment routing selection method, device, equipment and storage medium. Background technique [0002] At present, there are too many routing factors (such as arrival rate, payment timeliness, amount threshold, etc.) in the intelligent payment routing system in the financial industry, resulting in many payment routing rules for different platforms. [0003] In addition, when the existing payment routing system selects the payment route, the corresponding routing rules are mostly calculated in real time, which cannot cope with high concurrent payment requests, and cannot perform routing switching when facing bank system maintenance and other abnormal events. Some payment routing systems rely too much on routing strategies manually configured by staff based on their experience when selecting payment routing, which is poorly targeted, low in reliability, and takes a long...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02
CPCG06Q20/027
Inventor 廖明宇江庆荣陈闵强
Owner 深圳平安财富宝投资咨询有限公司
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