Payment processing method and device and storage medium

A processing method and processing device technology, applied in the direction of payment system structure, data processing applications, payment schemes/models, etc., can solve the problems of low payment success rate, inability to deal with payment methods in time, and affecting the stability of payment methods, etc. To achieve the effect of improving immediacy

Active Publication Date: 2020-01-31
JINGDONG TECH HLDG CO LTD
View PDF8 Cites 2 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] The current network platform provides a variety of payment methods, and users can choose one of the payment methods to complete the payment process of the order. However, factors such as the network environment will affect the stability of the payment method, making the payment success rate lower, which in turn leads to user payment experience
[0003] In order to improve the current payment success rate, a method of monitoring the payment success rate is proposed. Specifically, by collecting the payment statistical information of Internet payment channels and associated application software, and according

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Payment processing method and device and storage medium
  • Payment processing method and device and storage medium
  • Payment processing method and device and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0060] Example one

[0061] The embodiment of the present invention provides a payment processing method, such as figure 1 As shown, the method can include:

[0062] S101. When a payment operation is received, determine the current time range for triggering the payment operation and the current payment channel information of the payment operation.

[0063] The payment processing method provided by the embodiment of the present invention is suitable for online payment scenarios.

[0064] In the embodiment of the present invention, when the payment processing device receives a touch operation on the payment now button on the shopping cart interface or the product display interface, the payment processing device receives the payment operation. At this time, the payment processing device obtains the triggering the payment operation The current time, and determine the current time range to which the current time belongs from the preset time configuration table. At the same time, the paymen...

Example Embodiment

[0087] Example two

[0088] Based on the foregoing embodiment 1, in the embodiment of the present invention, when the foregoing payment processing device receives a payment operation, it determines the current time range for triggering the payment operation and before the current payment channel information of the payment operation, that is, before step S101 The above-mentioned method for payment processing by the payment processing device may further include the following steps:

[0089] S201. When the timing time arrives, the payment processing device obtains historical payment channel information and historical payment data corresponding to each preset time range in a plurality of unit time periods from the payment data storage location, and the unit time period includes N presets Time range, N is a positive integer greater than or equal to 2.

[0090] In the embodiment of the present invention, the payment processing device divides the unit time period into N preset time ranges ...

Example Embodiment

[0116] Example three

[0117] A schematic diagram of the composition structure of a payment processing device 1 provided by an embodiment of the present invention Figure one ,Such as Figure 4 As shown, in practical applications, based on the same inventive concept of Embodiment 1 to Embodiment 2, as Figure 4 As shown, the payment processing device 1 of the embodiment of the present invention includes: a processor 10, a memory 11, and a communication bus 12. In the process of a specific embodiment, the above-mentioned processor 11 may be an application-specific integrated circuit (ASIC, Application Specific Integrated Circuit), a digital signal processor (DSP, Digital Signal Processor), a digital signal processing terminal (DSPD, Digital Signal Processing terminal). Device), Programmable Logic Terminal (PLD, Programmable Logic Device), Field Programmable Gate Array (FPG A, Field Programmable Gate Array), CPU, controller, microcontroller, and microprocessor. It can be understo...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The embodiment of the invention provides a payment processing method and device, and a storage medium, and the method comprises the steps: determining a current time range for triggering a payment operation and the current payment channel information of the payment operation when the payment operation is received; respectively obtaining a real-time payment success rate and a first historical payment success rate corresponding to the current payment channel information in the current time range, wherein the first historical payment success rate is determined by historical payment data corresponding to the current payment channel information in the current time range; and when the real-time payment success rate is smaller than the first historical payment success rate, switching to a standbypayment channel to complete payment operation.

Description

technical field [0001] The invention relates to electronic application technology, in particular to a payment processing method and device, and a storage medium. Background technique [0002] The current network platform provides a variety of payment methods, and users can choose one of the payment methods to complete the payment process of the order. However, factors such as the network environment will affect the stability of the payment method, making the payment success rate lower, which in turn leads to user payment experience. [0003] In order to improve the current payment success rate, a method of monitoring the payment success rate is proposed. Specifically, by collecting the payment statistical information of Internet payment channels and associated application software, and according to the statistical information, the reference success rate for stable work is determined, and the current payment rate is calculated. Payment real-time success rate, according to th...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06Q20/02G06Q20/22
CPCG06Q20/027G06Q20/227
Inventor 高帅
Owner JINGDONG TECH HLDG CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap