Payment channel determination method and device, electronic equipment and storage medium

Abstract

The embodiment of the invention discloses a payment channel determination method and device, electronic equipment and a storage medium. The method comprises the following steps: determining a payment scene and an access mode of a payment service according to payment data of the current payment service; determining at least one first alternative payment channel according to the payment scene and the access mode; determining the routing capability of each first alternative payment channel through a guide routing rule, and expanding each first alternative payment channel with the routing capability to generate a second alternative payment channel, wherein the second alternative payment channel comprises at least one payment channel having an association relationship with the first alternative payment channel; and determining the availability of each second alternative payment channel through a payment routing rule, and determining a target payment channel in each second alternative payment channel with the availability as a payment channel of the current payment service. According to the method, the payment channel can be automatically customized according to the payment scene and the access mode, and the optimal selection of the payment channel is realized.

Description

technical field [0001] The embodiments of the present invention relate to the field of financial technology, and in particular, to a payment channel determination method, device, electronic equipment, and storage medium. Background technique [0002] With the popularity of online electronic payment methods, fourth-party payment companies have emerged. Fourth-party payment refers to companies that do not have a payment license and have payment behaviors, and are between third-party payment with a payment license and merchants. The fourth-party payment can be used as an extension of the third party, and can integrate a variety of third-party payments to meet diverse payment needs. [0003] Payment routing is the core capability of the fourth-party payment, and its purpose is to select the appropriate payment channel according to the routing capability. In the prior art, when the number of third-party payments accessed by the fourth-party payment is small, the payment routing...

AI Technical Summary

Problems solved by technology

[0004] However, when the number of third-party payments accessed by fourth-party payment increases, and the marketing activities of third-party payment are frequent, the manual operation of payment routing will be a huge investment, and there are many disadvantages

For example, manual operation of payment routing has high labor costs; lack of consideration of the cost of payment channels makes it impossible to optimize the selection of payment channels; the stability of payment channels is difficult to guarantee, and the success rate of payment is low; the binding rate of payment channels is uneven, which has advantages The payment channel cannot be reasonably applied; and the payment channel is difficult to automatically adjust according to the current operation and marketing strategy, etc.

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