Transaction management method and transaction management system

Abstract

The invention relates to a transaction management method and a transaction management system. The transaction management method comprises the following steps: setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third-party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third-party transaction channels according to the transaction rates; uniformly adjusting the priority of the third-party transaction channel in each transaction amount interval according to the transactioncondition of the third-party transaction channel; and receiving a transaction request, and selecting a third-party transaction channel with the highest priority in a transaction amount interval corresponding to the transaction amount to perform transaction according to the transaction amount of the transaction request. According to the transaction management system and the method provided by the embodiment of the invention, the priorities of the plurality of third-party transaction channels are set according to the transaction rates, and the priorities of the plurality of third-party transaction channels are dynamic according to the transaction conditions of the third-party transaction channels, so that a relatively low transaction rate can be realized, and smooth transaction can be guaranteed.

Description

technical field [0001] The invention relates to the technical field of network transactions, in particular to a transaction management method and a transaction management system. Background technique [0002] In the field of consumer finance, the lending and repayment business requires payment and collection operations on the customer's bank card. However, the collection and payment operations of customers' bank cards need to be carried out through institutions engaged in acquiring business. At present, there are hundreds of institutions engaged in acquiring business in the domestic market, and consumer finance companies usually need to connect with multiple acquiring institutions to ensure the normal development of loan repayment business. When performing collection and payment operations, it is necessary to select a suitable channel from many acquirers, and this presents a "payment routing" problem of how to choose the optimal channel. The traditional method of selecting...

AI Technical Summary

Problems solved by technology

This traditional payment routing method has the following disadvantages: first, it cannot make the optimal choice according to the handling fee of the acquiring institution, resulting in a waste of handling fee costs; second, when an acquiring institution fails, it cannot be automatically found Problem, unable to automatically switch to other available acquirers, affecting business development

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