Payment routing system and method

A technology for routing and payment requests, applied in the field of payment, can solve the problems of high payment cost and low success rate, and achieve the effect of solving high payment cost and improving payment success rate

Inactive Publication Date: 2019-10-15
上海数禾信息科技有限公司
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  • Abstract
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  • Claims
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Problems solved by technology

[0005] The main purpose of this application is to provide a payment routing system and method to solve the problems of high payment cost and low success rate of payment methods

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  • Payment routing system and method
  • Payment routing system and method
  • Payment routing system and method

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Embodiment Construction

[0029] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiment of the application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiment of the application. Obviously, the described embodiment is only It is an embodiment of a part of the application, but not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of this application.

[0030] It should be noted that the terms "first" and "second" in the description and claims of the present application and the above drawings are used to distinguish similar objects, but not necessarily used to describe a specific sequence or sequence. It should be understood that the data so used may be interchanged under appropriate circumstances for th...

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Abstract

The invention discloses a payment routing system and method. The system comprises: an admission module used for obtaining a payment request; a priority ranking module which is used for generating a recommended ranked payment channel list according to different attributes; a screening module which is used for screening out payment channels according to available service channels in the payment request and the payment channel list; anda switching module which is used for judging whether to continue to use the payment channel of the next priority for payment or not after the current payment fails. The technical problems of high payment cost and low success rate of a payment mode are solved. According to the invention, payment channel recommendation is realized and payment channels can be screened efficiently and automatically, so that the payment cost of a company is reduced effectively.

Description

technical field [0001] This application relates to the field of payment, in particular, to a payment routing system and method. Background technique [0002] For payment services, different payment requirements will result in different payment costs. [0003] The inventors found that the payment costs corresponding to the payment channels have different accounting rules, resulting in an increase in payment costs, and the choice of multiple businesses and payment channels is less flexible. Further, it will affect the payment success rate. [0004] Aiming at the problems of high payment cost and low success rate in the payment method in related technologies, no effective solution has been proposed yet. Contents of the invention [0005] The main purpose of this application is to provide a payment routing system and method to solve the problems of high payment cost and low success rate of payment methods. [0006] In order to achieve the above purpose, according to one asp...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/38
CPCG06Q20/027G06Q20/382
Inventor 李林志
Owner 上海数禾信息科技有限公司
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