Acquisition payment transaction routing method and device, storage medium and electronic equipment

Abstract

The invention provides an acquiring payment transaction routing method and device, a storage medium and electronic equipment, and the method comprises the steps: carrying out the risk detection of a received payment transaction through a risk control system, determining an available payment channel from all payment channels based on a risk detection result and the channel configuration information of a store corresponding to the acquiring payment transaction, and carrying out the routing of the acquired payment transaction. Furthermore, in the absence of a special routing strategy, the channel weight of each available payment channel is calculated based on the channel cost and the channel risk factor of each available payment channel and the payment success rate of a card issuing bank corresponding to an acquiring payment transaction, and a target payment channel is determined from the available payment channels; and routing the acquired payment transaction to the target payment channel so as to execute payment through the target payment channel. Visibly, in the scheme of the invention, the risk control system is used for carrying out risk detection on the acquisition payment transaction, and the channel risk factor is introduced into the channel weight calculation, so that the payment success rate is improved.

Description

technical field [0001] The present application relates to the field of computer applications, and in particular, to a method and device for acquiring and paying transaction routing, a storage medium and an electronic device. Background technique [0002] In the acquiring business scenario, each store will access multiple payment channels, and an acquiring payment transaction is generally paid through one payment channel. Therefore, for each acquiring payment transaction, it is necessary to obtain payment from multiple payment channels. Identify a payment channel and route acquirer-pay transactions to the identified payment channel. [0003] In the prior art, the acquiring payment transaction routing method generally determines the target payment channel based on the channel cost and the payment success rate of the issuing bank, and routes the acquiring payment transaction to the target payment channel, so as to execute payment through the target payment channel. The current...

AI Technical Summary

Problems solved by technology

[0004] During the research process, the inventor found that different payment channels have different security restrictions, and payment security will greatly affect the success rate of final payment. Based on this, this application provides a transaction routing method and device for receiving payment, Storage media and electronic equipment, the purpose is to solve the existing problem of low payment success rate

Images