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Distributed bill processing method, device and equipment and computer readable storage medium

A processing method and technology of a processing device, applied in the field of financial technology, can solve problems such as failure to automatically fuse payment channels, inability to adjust processing capabilities, and evaluation of payment channel availability.

Active Publication Date: 2019-09-20
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, the existing payment / deduction processing methods cannot detect the health status of the payment channel, resulting in payment failure, payment delay or repeated payment, etc. Adjust the processing capacity of the payment channel, such as reducing the frequency of transaction requests, etc., and cannot automatically fuse when the current payment channel fails, such as stopping processing when the payment channel is unavailable, etc.
That is, the existing online payment methods cannot intelligently select the available payment channels, resulting in a low payment success rate

Method used

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  • Distributed bill processing method, device and equipment and computer readable storage medium
  • Distributed bill processing method, device and equipment and computer readable storage medium
  • Distributed bill processing method, device and equipment and computer readable storage medium

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Embodiment Construction

[0062] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0063] Such as figure 1 as shown, figure 1 It is a schematic diagram of the device structure of the hardware operating environment involved in the solution of the embodiment of the present invention.

[0064] The terminal in this embodiment of the present invention may be a PC or a server device.

[0065] Such as figure 1 As shown, the terminal may include: a processor 1001 , such as a CPU, a network interface 1004 , a user interface 1003 , a memory 1005 , and a communication bus 1002 . 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. Option...

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Abstract

The invention relates to the field of financial technology, and discloses a distributed bill processing method, which comprises the following steps: when a payment request is received, downloading a bill file corresponding to a file address based on the file address corresponding to the payment request; reading transaction elements of each piece of transaction information in the bill file, determining a first payment channel corresponding to each piece of transaction information in the bill file based on the transaction elements, and splitting the bill file into sub-bill files corresponding to the first payment channel; detecting the first payment channel, and determining whether the first payment channel is available; and if the sub-bill file is available, sending the sub-bill file to the first payment channel. The invention further discloses a distributed bill processing device and equipment and a computer readable storage medium. The available payment channels are selected through the transaction elements, and the payment success rate is improved.

Description

technical field [0001] The present invention relates to the technical field of financial technology (Fintech), and in particular to a distributed bill processing method, device, equipment and computer-readable storage medium. Background technique [0002] In recent years, with the continuous development of financial technology (Fintech), especially Internet finance, online payment technology has been introduced into the daily services of financial institutions such as banks. During the daily transactions of financial institutions, the distributed bill processing system performs payment / deduction processing in different payment channels according to the payment / deduction information in the bill. [0003] However, the existing payment / debit processing methods cannot detect the health status of the payment channel, resulting in payment failure, payment delay or repeated payment, etc. Adjust the processing capacity of the payment channel, such as reducing the frequency of trans...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/04G06Q20/10
CPCG06Q20/04G06Q20/102Y04S40/20
Inventor 杜铁涛彭荣杰曾金龙李鸣
Owner WEBANK (CHINA)
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