Interbank payment mode determination method and device

Abstract

The invention discloses an interbank payment mode determination method and device, and the method comprises the steps: obtaining merchant payment order information, a first payment mode list, and a service parameter and a monitoring parameter corresponding to each payment mode in the first payment mode list, wherein the merchant payment order information comprises transaction terminal information,order amount information and bank card number information; when an interbank payment instruction is received, comparing the merchant payment order information with the service parameters corresponding to respective payment modes in the first payment mode list, screening the payment modes in the first payment mode list according to a comparison result, and determining a second payment mode list; determining a priority label of each payment mode in the second payment mode list according to the monitoring parameter; and determining an interbank payment mode according to the priority labels. Theinterbank payment mode can be efficiently determined, manpower, material resources and time cost are saved, the user payment success rate is improved, and the customer experience is improved.

Description

technical field [0001] The invention relates to the technical field of bank card payment, in particular to a method and device for determining an inter-bank payment method. Background technique [0002] At present, the acquiring bank wants to realize the payment function of other banks, and most of them connect to the UnionPay online gateway payment and UnionPay bank payment business through the UnionPay channel. These two services generally require customers to jump to the PC version or WAP version of the UnionPay page and the payment page of the card issuer for confirmation. For payment, the path is longer and the customer experience is poorer. With the development of the mobile Internet, UnionPay is able to undertake more and more business of payment by other bank cards. With the deployment of the national strategy, NetsUnion has sprung up to provide a variety of services to realize the function of payment by other bank cards. There may be more clearing institutions (X U...

AI Technical Summary

Problems solved by technology

If a merchant wants to support all bank card payments through an acquiring bank, it often needs to apply for a certain payment service of a certain channel with the acquiring bank separately, and also needs to do special development for specific business types. Business personnel also need Special configuration is made according to a certain business of a certain channel selected by the user. If the card issuing bank connects to the new channel, the merchant’s application often requires secondary development, and the business personnel also need to perform repeated configurations. The whole process will consume a lot of manpower and material resources. And it takes a long time, and the success rate of user payment is low, which affects customer experience

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