Cross-border payment path selection method and system based on payment channel dynamic adjustment

Abstract

The invention discloses a cross-border payment path selection method and system based on payment channel dynamic adjustment. The method comprises the following steps: collecting real-time state information of a plurality of cross-border payment channels; generating a comprehensive score based on the state information and the transaction context, and punishing time delay fluctuation and channel congestion; generating an initial path plan, splitting the target amount into at least two sub-amounts, distributing the sub-amounts to different channels, and generating a settlement instruction; in the payment execution process, channel states are continuously monitored, comprehensive scores are dynamically updated, if the score advantage of a standby channel exceeds a preset threshold value and is continuously kept, or the default probability of a current channel exceeds a threshold value, path adjustment is triggered, only unsubmitted or revocable sub-amounts are switched, and the sequence of submitted sub-amounts is kept; and after settlement is completed, account checking and difference marking are performed on the channel, and the score and path parameters are backtracked and updated based on an execution result. According to the method, multi-dimensional dynamic routing can be realized in cross-border payment, the cost is reduced, and the success rate and the stability are improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of cross-border payment path selection based on payment channel dynamic adjustment, in particular to a cross-border payment path selection method and system based on payment channel dynamic adjustment. BACKGROUND

[0002] With the rapid development of cross-border e-commerce, international remittance and global financial services, cross-border payment demand is increasing. Existing cross-border payment usually relies on a single or preset payment channel for clearing and settlement. Such a scheme has the following shortcomings: first, the payment path is fixed, and when the channel exchange rate is unfavorable, the handling fee is high or congestion occurs, it cannot be dynamically switched, resulting in rising costs or payment delay; second, some systems only consider exchange rate factors, lack comprehensive trade-offs of handling fees, arrival time delay, success rate and compliance risks, and are difficult to meet the multi-dimensional requirements of cost, efficiency and compliance in actual business; third, the existing routing strategy is mostly static configuration, lacking adaptive adjustment capability based on real-time state in the payment execution process, and once the channel state mutates, transaction failure or interruption is likely to occur.

[0003] Therefore, there is an urgent need for a new cross-border payment path selection method that can consider exchange rate, handling fee, time delay, success rate and compliance risk in a multi-channel environment, and dynamically monitor and adjust the path during payment execution, so as to realize low-cost, high-stability and compliance-controllable cross-border payment. SUMMARY

[0004] In order to solve the above technical problems in the prior art, the present application proposes a cross-border payment path selection method and system based on payment channel dynamic adjustment to solve the above technical problems.

[0005] According to a first aspect of the present application, a cross-border payment path selection method based on payment channel dynamic adjustment is proposed, comprising: S1: collecting real-time state information of a plurality of cross-border payment channels, the real-time state information including: exchange rate, handling fee, arrival time delay, success rate, channel capacity and compliance risk; S2: generating a comprehensive score for each channel based on real-time state information and transaction context, and imposing a penalty on time delay fluctuation and channel congestion; S3: generating an initial payment path plan under the premise of meeting the single-channel upper limit and regional compliance constraints, splitting the target amount into at least two sub-amounts and assigning them to two or more channels, and generating corresponding clearing and settlement instructions and service level agreements for each sub-amount; S4: During the payment execution process, continuously monitor the channel status and dynamically update the comprehensive score. In response to the situation where the comprehensive score of the backup channel relative to the current channel increases by more than a preset percentage threshold and continues to exceed the preset holding time, or the timeout default probability of the current channel exceeds the preset threshold, trigger path adjustment, only perform replanning and switching on unsubmitted or revocable sub-amounts, and maintain the processing order of submitted sub-amounts. S5: After the clearing and settlement is completed, channel-level reconciliation and difference marking are performed, and the comprehensive score and path adjustment parameters are updated retrospectively based on the execution results.

[0006] In some specific embodiments, the comprehensive score in S2 is calculated as follows: Comprehensive Score ,in, To leverage the exchange rate advantage of the channel, Due to the advantage of transaction fees, For the advantage of latency, For the success rate, For compliance risks, The weighting coefficients are dynamically adjusted based on transaction amount, urgency of receipt, and compliance level. Weighting for exchange rate advantage For the sake of commission advantage weight, For latency advantage weighting, Weighted by success rate, For compliance risk weights.

[0007] In some specific embodiments, the weighting coefficient satisfies the following condition: automatically increasing in response to a transaction amount exceeding a preset threshold. and The value of is automatically increased in response to the increased urgency of receiving funds. The value of [value] is determined; in response to a compliance level exceeding a preset value, the [value] is automatically increased. The value of .

[0008] In some specific embodiments, applying penalties to latency fluctuations and channel congestion in step S2 specifically includes: calculating a penalty term. ,in, For channel The time delay variance within the preset time window For channel Real-time utilization rate For congestion threshold, Let be the weight coefficient, and satisfy... Penalty items are determined from the overall score. Deducted from the middle.

[0009] In some specific embodiments, the congestion threshold the value range of the congestion threshold is 70% - 85%; in response to the channel utilization rate exceeding the congestion threshold the penalty term increases rapidly.

[0010] In some specific embodiments, S4 further comprises: assigning a globally unique idempotent identifier to each sub-amount when generating the clearing instruction; in the channel execution and reconciliation process, matching and deduplicating the payment results by the idempotent identifier, ignoring repeated submission requests; when path adjustment causes multiple instructions for the same sub-amount in different channels, only the first successfully executed instruction enters the accounting, and the remaining instructions are marked as void and written into the audit log; for partially cleared instructions triggered concurrently, sorting based on the combination of timestamp order and idempotent identifier.

[0011] In some specific embodiments, the triggering of path adjustment in S4 specifically comprises: when the comprehensive score of the backup channel relative to the comprehensive score of the current channel increases by a proportion that meets and the duration is greater than the retention period , triggering path switching, wherein the value range of the proportion is 1.0% - 3.0%, and the value range of the retention period is 5 - 10 seconds.

[0012] In some specific embodiments, the backtracking update of S5 specifically comprises: based on the channel-level reconciliation difference, correcting the capacity parameters and compliance risk factors of each channel, if a certain channel frequently appears differences or abnormalities in reconciliation, then reducing its subsequent capacity upper limit and the weight of the comprehensive score; based on the clearing time consumption and the accuracy rate of arrival, dynamically adjusting the time delay weight and the success rate weight in the comprehensive score; based on the actual triggering effect of path adjustment, correcting the value range of the score increase threshold and the retention period .

[0013] According to a second aspect of the present application, a computer readable storage medium is provided, which stores one or more computer programs, the one or more computer programs being executed by a computer processor to implement the above-mentioned method.

[0014] According to a third aspect of the present application, a cross-border payment path selection system based on dynamic adjustment of payment channels is provided, comprising: a state acquisition unit configured to acquire real-time state information of a plurality of cross-border payment channels, the real-time state information including: exchange rate, commission, arrival delay, success rate, channel capacity, and compliance risk; The score generation unit is configured to generate a comprehensive score for each channel based on real-time state information and transaction context, and to impose penalties on latency fluctuation and channel congestion. The path planning unit is configured to generate an initial payment path plan under the premise of meeting the single-channel quota upper limit and regional compliance constraints, split the target amount into at least two sub-amounts and distribute them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount. The execution monitoring unit is configured to continuously monitor channel status and dynamically update the comprehensive score during payment execution, and trigger path adjustment in response to the comprehensive score of the backup channel improving by more than a preset percentage threshold compared to the current channel and lasting more than a preset retention time, or the timeout breach probability of the current channel exceeding a preset threshold, only re-planning and switching for unsubmitted or reversible sub-amounts, and maintaining the processing order of submitted sub-amounts. The reconciliation backtracking unit is configured to perform channel-level reconciliation and difference marking after clearing and settlement is completed, and update the comprehensive score and path adjustment parameters based on the execution results.

[0015] The present application proposes a cross-border payment path selection method and system based on dynamic adjustment of payment channels, which has the following technical effects: Firstly, by integrating exchange rate, commission fee, arrival delay, success rate and compliance risk into the comprehensive score, and introducing a penalty mechanism for latency fluctuation and channel congestion, the limitations of existing technologies that only use a single indicator (such as exchange rate or commission fee) for path selection are avoided, and the synergy of cost, efficiency and compliance is achieved.

[0016] Secondly, during payment execution, the channel status is continuously monitored, and when the backup channel score advantage is significant or the current channel breach risk is high, path adjustment is triggered, only the unsubmitted or reversible sub-amounts are switched, while the order and idempotency of the submitted sub-amounts are maintained, significantly improving the stability and continuity of the payment process.

[0017] In addition, under the premise of meeting the single-channel quota and compliance constraints, the target amount is intelligently split into multiple channels for execution, which not only reduces the risk of single-channel failure or congestion, but also improves the executability and arrival efficiency of large transactions.

[0018] Finally, after clearing and settlement is completed, the comprehensive score weight, path adjustment parameters and channel capacity configuration are updated by channel-level reconciliation and difference marking, so that the system can continuously correct and optimize itself, forming a dynamic evolving payment path selection mechanism. Through the idempotent identifier, audit log and difference reconciliation mechanism, the consistency and traceability of the account processing during path adjustment are ensured, meeting the financial audit and regulatory requirements in the cross-border payment scenario. BRIEF DESCRIPTION OF DRAWINGS

[0019] The accompanying drawings are included to provide a further understanding of embodiments and are incorporated in and constitute a part of this specification. The drawings illustrate embodiments and, together with the description, serve to explain the principles of the application. Other embodiments and many of the intended advantages of the present application will be readily appreciated as the same becomes better understood by reference to the following detailed description when considered in connection with the accompanying drawings: Figure 1 is an exemplary system architecture diagram in which the present application can be applied; Figure 2 is a flowchart of a cross-border payment path selection method based on payment channel dynamic adjustment of an embodiment of the present application; Figure 3 is a framework diagram of a cross-border payment path selection system based on payment channel dynamic adjustment of an embodiment of the present application; Figure 4 Structural diagram of a computer system of an electronic device suitable for implementing embodiments of the present application. DETAILED DESCRIPTION

[0020] The present application will be further described below in conjunction with the drawings and embodiments. It can be understood that the specific embodiments described herein are only used to explain the related application, and not to limit the application. In addition, it should be noted that only the parts related to the application are shown in the drawings for ease of description.

[0021] It should be noted that the embodiments and features in the embodiments of the present application can be combined with each other without conflict. The present application will be described in detail below with reference to the drawings and in conjunction with the embodiments.

[0022] Figure 1 An exemplary system architecture 100 based on cross-border payment path selection method based on payment channel dynamic adjustment to which embodiments of the present application can be applied is shown.

[0023] As shown in Figure 1 , the system architecture 100 can include a data server 101, a network 102 and a host server 103. The network 102 is a medium for providing a communication link between the data server 101 and the host server 103. The network 102 can include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0024] The host server 103 can be a server that provides various services, such as a data processing server that processes information uploaded by the data server 101.

[0025] It should be noted that the cross-border payment path selection method based on dynamic adjustment of payment channel provided by the embodiments of the present application is generally executed by the main server 103, and accordingly, the cross-border payment path selection system based on dynamic adjustment of payment channel is generally arranged in the main server 103.

[0026] It should be noted that the data server and the main server can be hardware or software. When being hardware, the data server and the main server can be implemented as a distributed server cluster composed of multiple servers or as a single server. When being software, the data server and the main server can be implemented as multiple software or software modules (for example, software or software modules used to provide distributed services) or as a single software or software module.

[0027] It should be understood that Figure 1 The number of data servers, networks and main servers in the above-mentioned system is only illustrative. According to the implementation needs, there can be any number of terminal devices, networks and servers.

[0028] Figure 2 A flow chart of a cross-border payment path selection method based on dynamic adjustment of payment channel according to an embodiment of the present application is shown. As shown in Figure 2 The method comprises the following steps: S1: Collecting real-time state information of a plurality of cross-border payment channels, the real-time state information comprising: exchange rate, commission fee, time delay for arrival, success rate, channel capacity and compliance risk.

[0029] In a specific embodiment, the state information of the plurality of cross-border payment channels can be obtained in real time by establishing a connection with a bank clearing gateway, a third-party payment channel, a clearing association interface, etc. The state information comprises: exchange rate (refreshed every 30 seconds), commission fee rate (updated daily), time delay for arrival (based on past 5 minutes statistics), success rate (based on past 24 hours transaction result statistics), channel capacity (upper limit of transactions that the channel can bear), and compliance risk (calculated based on regional regulatory rules and historical interception rate).

[0030] S2: Generating a comprehensive score for each channel based on the real-time state information and transaction context, and imposing a penalty on time delay fluctuation and channel congestion.

[0031] In a specific embodiment, the exchange rate, commission fee, time delay, success rate and compliance risk can be normalized, and then a comprehensive score is generated based on the following formula: wherein, respectively correspond to the exchange rate advantage, the commission fee advantage, the time delay advantage, the success rate and the compliance risk of the channel, respectively are dynamic weight parameters, which are adjusted according to the transaction amount, the urgency of arrival and the compliance level. The weight coefficients satisfy: in response to the transaction amount being greater than a preset threshold, the weight coefficients are automatically increased with ; in response to an increase in urgency of the account, automatically increasing the value of ; in response to a compliance level being higher than a preset value, automatically increasing the value of . For example, when the transaction amount is greater than 10,000 USD, automatically increasing the values of and , for example, increasing γ from 0.25 to 0.4 and λ from 0.2 to 0.35, so that the system prioritizes channels that are more stable and have lower compliance risk. When the transaction is marked as “real-time account” or the urgency of the account set by the user is greater than a preset threshold (e.g., 0.8, with a value range of 0-1), the system automatically increases the value of γ. For example, increasing γ from 0.3 to 0.5 to increase sensitivity to the latency indicator. In this case, even if a channel has a lower fee, if its average latency is higher than other channels, the system will reduce its priority, thereby ensuring that the payment is completed in the shortest time. When the destination of the transaction involves a region with a higher compliance level (e.g., the European Union or the United States), and the compliance level parameter is greater than a preset threshold (e.g., 0.7, with a value range of 0-1), the system automatically increases the value of λ. For example, increasing λ from 0.25 to 0.45 so that the compliance risk accounts for a larger proportion of the score. In this way, even if some channels are better in terms of exchange rate or fee, they will be significantly weakened in the score due to a higher historical compliance interception rate, thereby avoiding failure due to compliance review.

[0032] In specific embodiments, imposing a penalty on latency fluctuation and channel congestion specifically comprises calculating a penalty term , wherein is the latency variance of the channel in a preset time window (e.g., the last 10 minutes), is the real-time utilization rate of the channel , is a congestion threshold, is a weight coefficient, and satisfies ; the penalty term is deducted from the comprehensive score . The congestion threshold has a value range of 70%-85%; in response to the channel utilization rate exceeding the congestion threshold , the penalty term increases rapidly. In one specific example, the penalty term increases rapidly according to a nonlinear function, specifically: , wherein is a Sigmoid function, is a steepness coefficient for controlling the growth rate, with a value range of 6-15, preferably 10; this setting makes approach The penalty value changes slowly when exceeds the penalty term increases rapidly, significantly reducing the priority of the channel in the comprehensive score, avoiding the concentration of transactions in high congestion channels.

[0033] S3: Under the premise of meeting the single-channel upper limit and regional compliance constraints, generate an initial payment path plan, split the target amount into at least two sub-amounts allocated to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount.

[0034] In specific embodiments, according to the target amount M, channel capacity upper limit and regional compliance constraints, the target amount is split into several sub-amounts. The optimization model is: where the objective function represents the weighted utility sum of the system on all channels, where each sub-amount corresponding utility is determined by the channel score . Maximizing this value means prioritizing more funds to channels with high comprehensive scores, thereby achieving the optimal payment path in the global scope. represents the constraint condition, represents the condition that ensures the sum of all sub-amounts is equal to the target amount , so that there is no shortage or excess allocation of funds. represents the condition that ensures the allocated amount of each channel does not exceed its capacity upper limit , complying with the transaction limit and compliance constraints of the payment network. For example, when the target amount is 50000 USD, the system automatically splits the amount into 20000, 15000 and 15000 USD three sub-amounts, respectively allocated to three different channels, and generates clearing and settlement instructions and service level agreements for each sub-amount, ensuring that large transactions can still be completed under the single-channel limit.

[0035] In specific embodiments, the service level agreement not only contains clearing and settlement instructions, but also sets constraints such as arrival time, cost upper limit, success rate and compliance requirements for different channels and sub-amounts, and when multiple channels meet the conditions, the channel with low cost and high stability is prioritized for execution according to the comprehensive score. The service level agreement is not only used for initial path planning, but also serves as a dynamic monitoring basis during execution. When it is detected that the current channel cannot meet the preset service level requirements in terms of time, cost, success rate or compliance, the system will re-evaluate the comprehensive score of the standby channel, and when the score advantage of the standby channel exceeds the set threshold and lasts for a certain period of time, the unsubmitted sub-amounts will be switched to the standby channel for execution, thereby ensuring that the entire payment process meets the preset goals in terms of time, cost, stability and compliance.

[0036] S4: During the payment execution process, the channel state is continuously monitored and the comprehensive score is dynamically updated. In response to the comprehensive score of the backup channel improving by more than a preset percentage threshold relative to the current channel and lasting for more than a preset holding time, or the timeout default probability of the current channel exceeding a preset threshold, path adjustment is triggered, and only the sub-amounts that have not been submitted or can be revoked are re-planned and switched, and the processing order of the submitted sub-amounts is maintained.

[0037] In specific embodiments, the triggering of path adjustment specifically includes: when the improvement ratio of the comprehensive score of the backup channel relative to the comprehensive score of the current channel satisfies , and the duration is greater than the holding time , path switching is triggered, wherein the value range of the improvement ratio is 1.0%-3.0%, preferably 1.5%, and the holding time has a value range of 5-10 seconds, preferably 6 seconds. At the same time, if the timeout default probability of the current channel exceeds a threshold (such as 12%), switching is also triggered. Path adjustment only acts on sub-amounts that have not been submitted or have revocation conditions; submitted sub-amounts maintain the original order and are appended with a globally unique idempotent identifier in the instruction to avoid repeated accounting. If the same sub-amount generates multiple instructions in multiple channels, only the first successfully executed instruction enters the accounting, and the remaining instructions are marked as invalid and written into the audit log.

[0038] S5: After the clearing and settlement is completed, channel-level reconciliation and difference marking are performed, and the comprehensive score and path adjustment parameters are updated based on the execution results.

[0039] In specific embodiments, based on the channel-level reconciliation difference situation, the capacity parameters and compliance risk factors of each channel are corrected. If a channel frequently appears differences or abnormalities in reconciliation, its subsequent capacity upper limit and the weight of the comprehensive score are reduced; based on the clearing and settlement time consumption and the arrival accuracy, the time delay weight and the success rate weight in the comprehensive score are dynamically adjusted; based on the actual triggering effect of path adjustment, the value range of the score improvement threshold and the holding time is corrected.

[0040] In one specific example, a user initiates a cross-border payment request of 30000 US dollars, and the system splits the funds into three channels: channel A is allocated 15000 US dollars, channel B is allocated 10000 US dollars, and channel C is allocated 5000 US dollars, and executes according to the initial comprehensive score. After the clearing and settlement is completed, the system performs a transaction-by-transaction reconciliation of the execution of each channel, and finds that the average time to arrival of channel A is 3 hours, which is significantly longer than the expected 2-hour service level agreement requirement, and the amount difference appears in the last three reconciliations, which needs to be manually compensated; the arrival time of channel B is stable at about 1.5 hours, and the success rate remains at 98%; channel C has a 15% compliance interception rate due to the strengthening of the target region's regulation. During the backtracking update process, the upper limit of the capacity of channel A is automatically reduced from 20000 US dollars to 12000 US dollars, and the influence of the time delay weight γ in its comprehensive score is weakened, while the success rate weight δ is increased to highlight the advantages of channel B; for channel C, the system increases the compliance risk factor λ by 20%, so that it will be significantly downgraded in the future score. At the same time, the system also corrects the score promotion threshold according to the historical performance of path switching the length of time , the from 2.0% to 1.5%, from 8 seconds to 6 seconds, so that the switching of future backup channels can be more agile. Through the above adjustments, the system is more inclined to choose channel B and alternative channels with higher compliance in the next round of transactions to reduce abnormal risks and improve the overall success rate.

[0041] The present application constructs a comprehensive scoring model considering exchange rate, commission, time delay, success rate and compliance risk by collecting real-time state information of multiple channels, and intelligently splits the target amount in the initial path planning combined with the quota and compliance constraints, realizes dynamic switching and idempotent control based on score changes and risk thresholds during payment execution, and updates the score weights and switching parameters based on the reconciliation differences and actual performance after the clearing and settlement is completed, thereby forming a closed-loop mechanism covering pre-planning, in-process monitoring and post-optimization, and realizing the comprehensive improvement of cross-border payment in cost, efficiency, stability and compliance.

[0042] Figure 3A framework diagram of a cross-border payment path selection system based on payment channel dynamic adjustment is shown, which is one specific embodiment of the present application, and the system includes a state collection unit 301, a score generation unit 302, a path planning unit 303, an execution monitoring unit 304, and a reconciliation backtracking unit 305. The state collection unit 301 is configured to collect real-time state information of a plurality of cross-border payment channels, and the real-time state information includes: exchange rate, commission, time delay, success rate, channel capacity, and compliance risk; the score generation unit 302 is configured to generate a comprehensive score for each channel based on the real-time state information and transaction context, and to impose a penalty on time delay fluctuation and channel congestion; the path planning unit 303 is configured to generate an initial payment path plan under the premise of meeting the single-channel upper limit and regional compliance constraints, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount; the execution monitoring unit 304 is configured to continuously monitor the channel state and dynamically update the comprehensive score during payment execution, and in response to the comprehensive score of the standby channel improving by more than a preset percentage threshold compared with the current channel and lasting more than a preset holding time, or the timeout default probability of the current channel exceeding a preset threshold, triggering path adjustment, only re-planning and switching for sub-amounts that have not been submitted or can be revoked, and maintaining the processing order of the submitted sub-amounts; the reconciliation backtracking unit 305 is configured to perform channel-level reconciliation and difference marking after clearing and settlement is completed, and to update the comprehensive score and path adjustment parameters based on the execution results. The units of the system can perform the specific steps of the method in the foregoing Figure 2 .

[0043] Reference is made below to Figure 4 , which shows a structural schematic diagram of a computer system of an electronic device suitable for implementing embodiments of the present application. Figure 4 The electronic device shown is merely an example and should not impose any limitation on the functions and use range of embodiments of the present application.

[0044] As shown in Figure 4 , the computer system includes a central processing unit (CPU) 401, which can perform various appropriate actions and processes according to programs stored in a read-only memory (ROM) 402 or programs loaded from a storage portion 408 into a random access memory (RAM) 403. In the RAM 403, various programs and data required for system operation are also stored. The CPU 401, the ROM 402, and the RAM 403 are connected to each other through a bus 404. An input / output (I / O) interface 405 is also connected to the bus 404.

[0045] The following components are connected to the I / O interface 405: an input section 406 including a keyboard, a mouse, etc.; an output section 407 including a display such as a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 408 including a hard disk, etc.; and a communication section 409 including a network interface card such as a LAN card, a modem, etc. The communication section 409 performs communication processing via a network such as the Internet. A drive 410 is also connected to the I / O interface 405 as necessary. A removable recording medium 411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 410 as necessary, so that a computer program read out therefrom is installed in the storage section 408 as necessary.

[0046] In particular, the processes described above with reference to the flowcharts can be implemented as a computer software program in accordance with embodiments of the present disclosure. For example, embodiments of the present disclosure include a computer program product comprising a computer program carried on a computer readable storage medium, the computer program comprising program code for performing the methods illustrated by the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via the communication section 409, and / or installed from the removable media 41 1. When the computer program is executed by the central processing unit (CPU) 401, the above-described functions defined in the methods of the present application are performed. It should be noted that the computer readable storage medium of the present application can be a computer readable signal medium or a computer readable storage medium or any combination of the two. The computer readable storage medium may, for example, be - but is not limited to - an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or any suitable combination of the above. More specific examples of the computer readable storage medium can include, but are not limited to, an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, the computer readable storage medium can be any tangible medium that contains or stores a program used by or in connection with an instruction execution system, apparatus or device. In the present application, the computer readable signal medium can include a data signal carried in a baseband or as part of a carrier wave, in which the computer readable program code is carried. Such a propagated data signal can take any of a variety of forms, including but not limited to electro-magnetic, optical, or any suitable combination thereof. The computer readable signal medium can also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate or transport a program for use by or in connection with an instruction execution system, apparatus or device. Program code contained in the computer readable storage medium can be transmitted as program code signals using any suitable transmission medium, including but not limited to wireless, wired, optical fiber cable, RF, etc., or any suitable combination of the above.

[0047] Computer program code for carrying out operations of the present application can be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C++ or the like, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code can execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the latter scenario, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or the connection can be made to an external computer (for example, through the Internet using an Internet Service Provider).

[0048] The computer program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other devices to cause a series of operational steps to be performed on the computer, other programmable apparatus or other devices to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks.

[0049] The modules involved in the embodiments of the present application can be implemented in the form of software, or can be implemented in the form of hardware.

[0050] As another aspect, the present application also provides a computer readable storage medium, which can be included in the electronic device described in the above embodiments, or can exist independently without being assembled into the electronic device. The computer readable storage medium carries one or more programs, which, when executed by the electronic device, cause the electronic device to: collect real-time state information of a plurality of cross-border payment channels, the real-time state information including: exchange rate, commission, time delay, success rate, channel capacity and compliance risk; generate a comprehensive score for each channel based on the real-time state information and transaction context, and impose a penalty on time delay fluctuation and channel congestion; generate an initial payment path plan under the premise of meeting the single-channel upper limit and regional compliance constraints, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount; during the payment execution process, continuously monitor the channel state and dynamically update the comprehensive score, and in response to the comprehensive score of the standby channel improving by more than a preset percentage threshold compared with the current channel and lasting more than a preset holding time, or the timeout breach probability of the current channel exceeding a preset threshold, trigger path adjustment, only perform re-planning and switching for sub-amounts that have not been submitted or can be cancelled, and maintain the processing order of the submitted sub-amounts; after the clearing and settlement is completed, perform channel-level reconciliation and difference marking, and update the comprehensive score and path adjustment parameters based on the execution results.

[0051] The above description is merely the preferred embodiments of the present application and the explanation of the principles of the applied technology. It should be understood by those skilled in the art that the scope of the application involved in the present application is not limited to the technical solutions formed by the specific combinations of the above technical features, and should also cover other technical solutions formed by any combination of the above technical features or their equivalent features without departing from the above inventive concept. For example, the above features can be replaced with the technical features disclosed in the present application (but not limited to) having similar functions to form technical solutions.

Claims

1. A method for selecting cross-border payment paths based on dynamic adjustment of payment channels, characterized in that, include: S1: Collect real-time status information of multiple cross-border payment channels, including: exchange rate, transaction fee, arrival delay, success rate, channel capacity, and compliance risk; S2: Generate a comprehensive score for each channel based on the real-time status information and transaction context, and impose penalties on latency fluctuations and channel congestion; S3: Under the premise of meeting the single-channel limit and regional compliance constraints, generate an initial payment path plan, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount; S4: During the payment execution process, continuously monitor the channel status and dynamically update the comprehensive score. In response to the situation where the comprehensive score of the backup channel relative to the current channel increases by more than a preset percentage threshold and continues to exceed the preset holding time, or the timeout default probability of the current channel exceeds the preset threshold, trigger path adjustment, only perform replanning and switching on unsubmitted or revocable sub-amounts, and maintain the processing order of submitted sub-amounts. S5: After the clearing and settlement is completed, channel-level reconciliation and difference marking are performed, and the comprehensive score and path adjustment parameters are updated retrospectively based on the execution results.

2. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 1, characterized in that, The comprehensive score in S2 is calculated as follows: Comprehensive Score ,in, To leverage the exchange rate advantage of the channel, Due to the advantage of transaction fees, For the advantage of latency, For the success rate, For compliance risks, The weighting coefficients are dynamically adjusted based on transaction amount, urgency of receipt, and compliance level. Weighting for exchange rate advantage For the sake of commission advantage weight, For latency advantage weighting, Weighted by success rate, For compliance risk weights.

3. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 2, characterized in that, The weighting coefficient satisfies the following condition: it automatically increases in response to a transaction amount exceeding a preset threshold. and The value of is automatically increased in response to the increased urgency of receiving funds. The value of [value] is determined; in response to a compliance level exceeding a preset value, the [value] is automatically increased. The value of .

4. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 2, characterized in that, The specific steps in step S2 involving penalizing latency fluctuations and channel congestion include: calculating the penalty term. ,in, For channel The time delay variance within the preset time window For channel Real-time utilization rate For congestion threshold, Let be the weight coefficient, and satisfy... The penalty item is derived from the overall score. Deducted from the middle.

5. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 4, characterized in that, The congestion threshold The value range is 70%–85%; in response to the channel utilization exceeding the congestion threshold. At that time, the penalty item Rapid increase.

6. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 1, characterized in that, S4 further includes: assigning a globally unique idempotent identifier to each sub-amount when generating clearing and settlement instructions; matching and deduplicating payment results using the idempotent identifier as an index during channel execution and reconciliation, ignoring duplicate submission requests; when path adjustments cause multiple instructions for the same sub-amount to be generated in different channels, only the first successfully executed instruction is entered into accounting, and the remaining instructions are marked as invalid and written to the audit log; for concurrently triggered partial clearing instructions, sorting is performed based on a combination of timestamp order and idempotent identifier.

7. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 2, characterized in that, The path adjustment in S4 is specifically triggered when the comprehensive score of the backup channel is... Overall score relative to the current channel The increase ratio satisfies And the duration is greater than the holding time. When this occurs, a path switch is triggered, where The value range is 1.0%–3.0%, and the duration of retention is... The value range is 5–10 seconds.

8. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 7, characterized in that, The backtracking update of S5 specifically includes: adjusting the capacity parameters and compliance risk factors of each channel based on channel-level reconciliation discrepancies; if a channel frequently shows discrepancies or anomalies during reconciliation, reducing its subsequent capacity limit and the weight of the comprehensive score; and dynamically adjusting the latency weight in the comprehensive score based on clearing and settlement time and settlement accuracy. Weighted by success rate Based on the actual triggering effect of path adjustment, the score increase threshold was revised. Duration of maintenance The range of values ​​for .

9. A computer-readable storage medium having one or more computer programs stored thereon, characterized in that, When the one or more computer programs are executed by a computer processor, they perform the method according to any one of claims 1-8.

10. A cross-border payment path selection system based on dynamic adjustment of payment channels, characterized in that, include: Status acquisition unit: configured to collect real-time status information of multiple cross-border payment channels, including: exchange rate, transaction fee, arrival delay, success rate, channel capacity, and compliance risk; Scoring generation unit: configured to generate a comprehensive score for each channel based on the real-time status information and transaction context, and to impose penalties on latency fluctuations and channel congestion; Path planning unit: Configured to generate an initial payment path plan under the premise of meeting the single channel limit and regional compliance constraints, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount; Execution monitoring unit: Configured to continuously monitor channel status and dynamically update the comprehensive score during payment execution. In response to the situation where the comprehensive score of the backup channel relative to the current channel increases by more than a preset percentage threshold and continues for more than a preset duration, or the timeout default probability of the current channel exceeds a preset threshold, path adjustment is triggered. Only unsubmitted or revocable sub-amounts are replanned and switched, while maintaining the processing order of submitted sub-amounts. Reconciliation Retrospective Unit: Configured to perform channel-level reconciliation and difference marking after clearing and settlement are completed, and to retrospectively update the comprehensive score and path adjustment parameters based on the execution results.

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