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

Abstract

The present application discloses a method, apparatus, electronic device, and readable storage medium for determining a payment channel. The method comprises: receiving a payment request sent by a payment terminal, the payment request including a business type; determining a first rule factor of the payment channel corresponding to the business type based on a preset correspondence between the business type and the rule factor of the payment channel; determining a target payment channel based on the first rule factor; and transmitting information about the target payment channel to the payment terminal, so that the payment terminal uses the target payment channel for payment. According to the embodiments of the present application, payment efficiency can be improved.

Description

Technical Field

[0001] The present application belongs to the field of information processing technology, and in particular relates to a method, device, electronic device and readable storage medium for determining a payment channel. Background Art

[0002] With the development of information technology, electronic payment has become increasingly popular. A payment request often has multiple available payment channels.

[0003] Currently, payment channels can be determined by manually inputting and maintaining routing rules. However, many factors influence channel decisions, making manual operations inefficient and unable to be updated in real time. Therefore, existing payment channel determination methods are inefficient. Summary of the Invention

[0004] The embodiments of the present application provide a method, apparatus, device, and readable storage medium for determining a payment channel, which can solve the problem of low efficiency of current methods for determining payment channels.

[0005] In a first aspect, an embodiment of the present application provides a method for determining a payment channel, the method comprising:

[0006] Receive a payment request sent by a payment terminal, the payment request including a business type;

[0007] Determine the first rule factor of the payment channel corresponding to the business type based on the preset correspondence between the business type and the rule factor of the payment channel;

[0008] Determine the target payment channel based on the first rule factor;

[0009] The target payment channel information is sent to the payment terminal so that the payment terminal can use the target payment channel for payment.

[0010] In a second aspect, an embodiment of the present application provides a device for determining a payment channel, the device comprising:

[0011] A receiving module, configured to receive a payment request sent by a payment terminal, the payment request including a business type;

[0012] a determination module, configured to determine a first rule factor of the payment channel corresponding to the business type based on a preset correspondence between the business type and the rule factor of the payment channel;

[0013] The determination module is further configured to determine a target payment channel based on the first rule factor;

[0014] The sending module is used to send information of the target payment channel to the payment terminal so that the payment terminal can use the target payment channel to make payment.

[0015] In a third aspect, an embodiment of the present application provides an electronic device comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, it implements the method in the first aspect or any possible implementation of the first aspect.

[0016] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium having computer program instructions stored thereon. When the computer program instructions are executed by a processor, the method in the first aspect or any possible implementation of the first aspect is implemented.

[0017] In an embodiment of the present application, a payment request including a business type is received from a payment terminal, and a first rule factor of the payment channel corresponding to the business type is determined based on a preset correspondence between the business type and the rule factor of the payment channel; a target payment channel is determined based on the first rule factor; and information about the target payment channel is sent to the payment terminal, so that the payment terminal uses the target payment channel for payment. This allows for rapid and efficient screening of payment channels that match the business type, thereby improving the processing efficiency of payment services. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0019] Figure 1 This is a flow chart of a method for determining a payment channel provided in an embodiment of the present application;

[0020] Figure 2 This is a flowchart of a method for determining a payment channel provided in an embodiment of the present application;

[0021] Figure 3 This is a schematic diagram of the structure of a device for determining a payment channel provided in an embodiment of the present application;

[0022] Figure 4 This is a schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0023] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only configured to explain the present application and are not configured to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is merely to provide a better understanding of the present application by illustrating the examples of the present application.

[0024] It should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or device comprising the element.

[0025] First, the technical terms involved in the embodiments of the present application are introduced.

[0026] Third-party payment refers to an online payment model in which an independent institution with certain strength and credibility facilitates transactions between two parties by connecting with UnionPay or China National Nets Union.

[0027] In the third-party payment model, after the buyer selects the goods, he uses the account provided by the third-party platform to pay for the goods (payment to the third party), and the third party notifies the seller that the payment has arrived and requests delivery; the buyer receives the goods, inspects the goods, and confirms the goods, and then notifies the third party to pay; the third party then transfers the funds to the seller's account.

[0028] The encapsulation levels of payment channels can generally be divided into: bank interface-bank channel-payment channel-payment product-payment solution.

[0029] Among them, bank interface refers to the technical interface provided by banks, etc.

[0030] The bank channel is an encapsulation of the bank interface and contains detailed information such as the specific cooperative bank and channel.

[0031] The payment channel is a business encapsulation of the bank channel, which includes information such as channel cost and minimum merchant fee rate.

[0032] Payment products are products provided by third-party payment companies to the outside world, such as quick payment.

[0033] A payment solution is a comprehensive solution for a certain industry, encompassing multiple payment and industry-customized requirements.

[0034] The so-called payment channel routing can occur at the above several encapsulation levels.

[0035] The method for determining the payment channel provided in the embodiment of the present application can be applied to at least the following application scenarios, which are described below.

[0036] With the rapid development of the financial industry, payment systems provide stable support for key functions such as user authentication, rapid loan issuance, and rapid repayment for financial institutions, becoming their core business. Coordinated management of financial institutions, users, and payment channels has become a crucial task for payment systems. Reducing the impact of human factors and reducing costs and increasing efficiency are paramount in this management process.

[0037] Currently, debits and credits to user bank cards can be processed through third-party payment channels. However, due to differences in supported banks, daily limits, and handling fee rates, as well as the frequent closure and subsequent upgrades of channels, a single payment channel cannot meet business needs, necessitating the integration of multiple payment channels. Therefore, selecting the optimal payment channel to improve system processing efficiency and reduce payment handling costs has become a pressing issue.

[0038] Based on the above application scenario, the method for determining the payment channel provided in the embodiment of the present application is described in detail below.

[0039] Figure 1 A flowchart of a method for determining a payment channel provided in an embodiment of the present application.

[0040] like Figure 1 As shown, the method for determining a payment channel may include steps 110 to 140. The method is applied to a device for determining a payment channel, and is specifically as follows:

[0041] Step 110: Receive a payment request sent by a payment terminal, where the payment request includes a business type.

[0042] Step 120: Determine the first rule factor of the payment channel corresponding to the business type according to the preset correspondence between the business type and the rule factor of the payment channel.

[0043] Step 130: Determine the target payment channel according to the first rule factor.

[0044] Step 140: Send the target payment channel information to the payment terminal, so that the payment terminal can use the target payment channel to make payment.

[0045] The payment channel determination method provided in this application receives a payment request including a business type from a payment terminal, determines a first rule factor of the payment channel corresponding to the business type based on a preset correspondence between the business type and the rule factor of the payment channel; determines a target payment channel based on the first rule factor; and transmits information about the target payment channel to the payment terminal, so that the payment terminal uses the target payment channel for payment. This method can quickly and efficiently screen out payment channels that match the business type, improving the processing efficiency of payment services.

[0046] The contents of steps 110 to 140 are described below:

[0047] First, step 110 is involved.

[0048] A payment request sent by a payment terminal is received, where the payment request includes a business type, where the business type may include repayment, loan, and payment, etc.

[0049] Then, step 120 is involved.

[0050] When a business starts, the first rule factor of the payment channel corresponding to the business type will be determined based on the preset correspondence between the business type and the rule factor of the payment channel.

[0051] Here, each rule factor may be a code package including a rule number, for example, the rule number may be a, b, c, d, ..., from which the first rule factor of the payment channel corresponding to the business type may be determined, such as a and b.

[0052] Here, the filtering and sorting conditions are abstracted into rule factors, which exist in a modular form. Rule factors can be freely assembled to suit different business needs. This configurable assembly of rule factors improves the modularity of the payment routing function, allowing new businesses to be quickly adopted in the system.

[0053] In a possible embodiment, before step 120, the following steps may be further included:

[0054] Create a correspondence between business types and rule factors of payment channels.

[0055] Specifically, different rule factors can be associated with business types to form a corresponding relationship between business types and rule factors of payment channels, so as to facilitate the subsequent rapid determination of the first rule factor of the payment channel corresponding to the business type.

[0056] Next, step 130 is involved.

[0057] The target payment channel is determined according to the first rule factor. Here, the optimal target payment channel can be automatically selected, which reduces manual intervention and improves work efficiency.

[0058] In a possible embodiment, the first rule factor includes: a screening factor and a ranking factor; step 130 may specifically include the following steps:

[0059] Access to multiple payment channels;

[0060] screening the plurality of payment channels according to at least one screening factor to obtain a first payment channel;

[0061] Sort at least one first payment channel according to the sorting factor to obtain a first payment channel sequence;

[0062] The first payment channel with the highest ranking in the first payment channel sequence is determined as the target payment channel.

[0063] The screening factors can be used to filter payment channels to obtain the first payment channel. Specifically, the screening can be performed by fee rate, business level, business type, total channel transaction amount, single transaction amount, channel limit, payment channel type, or payment channel reliability requirements.

[0064] Among them, the sorting factor can be used to sort the first payment channel according to the goal of minimizing the handling fee, and can also be used to sort the first payment channel according to the payment channel priority. The payment channel priority can be a static priority or a dynamic priority.

[0065] For example, when the ranking factor is sorted based on the goal of minimizing the handling fee, the first payment channel sequence may include: first payment channel A, first payment channel B, and first payment channel C. The handling fee of first payment channel B is 15 yuan, that of first payment channel A is 50 yuan, and that of first payment channel C is 10 yuan. In the first payment channel sequence, the first payment channel with the highest ranking is C, i.e., the target payment channel is C.

[0066] The above-mentioned step of determining the first payment channel with the highest ranking in the first payment channel sequence as the target payment channel may specifically include the following steps:

[0067] Determining whether a preset number of payment failures have occurred in the first payment channel;

[0068] In the case where the first payment channels include a payment channel that has experienced a preset number of payment failures, the ranking of the payment channels that have experienced a preset number of payment failures is lowered according to a preset rule to obtain a second payment channel sequence;

[0069] The first payment channel with the highest ranking in the second payment channel sequence is determined as the target payment channel.

[0070] Determine whether a preset number of payment failures have occurred on the first payment channel, for example, whether there are three failed transactions within five minutes. If there are three failed transactions within five minutes, the ranking of the first payment channel that has experienced the preset number of payment failures will be downgraded.

[0071] Because payment systems often have problems managing payment channels, such as channels failing to support services and failing to automatically shut down abnormal channels, they often have to wait until a service fails before notifying business personnel to handle the issue, which takes a long time. According to embodiments of the present application, problematic channels can be automatically downgraded without manual intervention, improving processing efficiency and increasing the success rate of channel deductions.

[0072] Finally, step 140 is involved.

[0073] Send the target payment channel information to the payment terminal so that the payment terminal can use the target payment channel for payment. For example, when a real-time debit is required, the target payment channel is obtained through the above steps and the target payment channel information is sent to the payment terminal so that the payment terminal can automatically use the target payment channel for payment.

[0074] In summary, in the embodiments of the present application, by receiving a payment request including a business type from a payment terminal, determining the first rule factor of the payment channel corresponding to the business type based on a preset correspondence between the business type and the rule factor of the payment channel; determining the target payment channel based on the first rule factor; and transmitting information about the target payment channel to the payment terminal so that the payment terminal can use the target payment channel for payment. This allows for rapid and efficient screening of payment channels that match the business type, improving payment processing efficiency.

[0075] Based on the above Figure 1 The present application also provides a method for determining a payment channel. Figure 2 A flowchart of a method for determining a payment channel provided in an embodiment of the present application.

[0076] like Figure 2 As shown, the method for determining a payment channel may include steps 210 to 290. The method is applied to a device for determining a payment channel, and is specifically as follows:

[0077] Step 210: Business personnel configure rule factors.

[0078] Step 220: assemble different rule factors into different rule chains.

[0079] Here, the screening conditions of the payment channels are abstracted into screening factors and sorting factors. The company's financial personnel can combine and arrange the rule factors according to different businesses.

[0080] In step 230, the business personnel associate different businesses with rule chains.

[0081] Step 240: When a service starts, corresponding rule factors are obtained according to different services.

[0082] Step 250 then filters and sorts all payment channels using the rule factors.

[0083] When a business occurs, the screening function will be entered, and factors will be filtered according to the set combination arrangement rules to screen out the payment channels that meet the conditions and sort them according to the rules.

[0084] Step 260: If it is determined that the payment channel has multiple failed transactions within five minutes, the payment channel is downgraded.

[0085] It can automatically switch to a normal payment channel when a payment channel is abnormal. If a problem occurs in the payment channel of a third party, the routing function will make a judgment. If the error requests accumulate to a threshold, they will be automatically downgraded. At this time, other channels will be selected to process the requests to ensure the stable operation of the system.

[0086] Step 270: Provide the screened payment channels to the business for use.

[0087] Step 280: When real-time deduction occurs, the payment channel is obtained through this function.

[0088] Step 290: The payment channel performs a deduction operation.

[0089] In summary, in the embodiments of the present application, the payment channels with the most suitable fees can be quickly and efficiently screened out for user bank card signing, repayment and other operations, thereby reducing the transaction fee costs incurred by the company in using payment channels, increasing corporate revenue, reducing manpower maintenance costs, and having a disaster recovery mechanism. This solves the problem of excessive system transaction fee expenditure, allowing the system to select the channel with the lowest fee or highest priority for business processing every time, meeting the needs of business and financial integration and achieving the effect of increasing efficiency and reducing costs.

[0090] Based on the above Figure 1 The method for determining the payment channel shown in the embodiment of the present application also provides a device for determining the payment channel, such as Figure 3 As shown, the apparatus 300 may include:

[0091] The receiving module 310 is configured to receive a payment request sent by a payment terminal, where the payment request includes a business type.

[0092] The determination module 320 is configured to determine a first rule factor of the payment channel corresponding to the business type according to a preset correspondence between the business type and the rule factor of the payment channel.

[0093] The determination module 320 is further configured to determine a target payment channel according to the first rule factor.

[0094] The sending module 330 is used to send information of the target payment channel to the payment terminal, so that the payment terminal uses the target payment channel to make payment.

[0095] In a possible embodiment, the first rule factor includes: a screening factor and a ranking factor, and the determination module is specifically configured to:

[0096] Access to multiple payment channels;

[0097] screening the plurality of payment channels according to at least one screening factor to obtain a first payment channel;

[0098] Sort at least one first payment channel according to the sorting factor to obtain a first payment channel sequence;

[0099] The first payment channel with the highest ranking in the first payment channel sequence is determined as the target payment channel.

[0100] In a possible embodiment, the determination module is specifically configured to:

[0101] Determining whether a preset number of payment failures have occurred in the first payment channel;

[0102] In the case where the first payment channels include a payment channel that has experienced a preset number of payment failures, the ranking of the payment channels that have experienced a preset number of payment failures is lowered according to a preset rule to obtain a second payment channel sequence;

[0103] The first payment channel with the highest ranking in the second payment channel sequence is determined as the target payment channel.

[0104] In a possible embodiment, the apparatus 300 further includes:

[0105] Create a module for establishing the correspondence between business types and rule factors of payment channels.

[0106] In summary, in the embodiments of the present application, by receiving a payment request including a business type from a payment terminal, determining the first rule factor of the payment channel corresponding to the business type based on a preset correspondence between the business type and the rule factor of the payment channel; determining the target payment channel based on the first rule factor; and transmitting information about the target payment channel to the payment terminal so that the payment terminal can use the target payment channel for payment. This allows for rapid and efficient screening of payment channels that match the business type, improving payment processing efficiency.

[0107] Figure 4 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application is shown.

[0108] The electronic device may include a processor 401 and a memory 402 storing computer program instructions.

[0109] Specifically, the processor 401 may include a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0110] The memory 402 may include a large-capacity memory for data or instructions. By way of example and not limitation, the memory 402 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive, or a combination of two or more of these. Where appropriate, the memory 402 may include a removable or non-removable (or fixed) medium. Where appropriate, the memory 402 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, the memory 402 is a non-volatile solid-state memory. In a specific embodiment, the memory 402 includes a read-only memory (ROM). Where appropriate, the ROM may be a mask-programmed ROM, a programmable ROM (PROM), an erasable PROM (EPROM), an electrically erasable PROM (EEPROM), an electrically rewritable ROM (EAROM), or a flash memory, or a combination of two or more of these.

[0111] The processor 401 reads and executes computer program instructions stored in the memory 402 to implement any one of the payment channel determination methods in the embodiments shown in the figure.

[0112] In one example, the electronic device may further include a communication interface 403 and a bus 410. Figure 4As shown, the processor 401 , the memory 402 , and the communication interface 403 are connected via a bus 410 and communicate with each other.

[0113] The communication interface 403 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0114] Bus 410 comprises hardware, software or both, couples the parts of electronic equipment to each other.For example, and not limitation, bus can comprise accelerated graphics port (AGP) or other graphics bus, enhanced industry standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industry standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations.In suitable cases, bus 410 can comprise one or more buses.Although the present application embodiment describes and shows specific bus, the application considers any suitable bus or interconnection.

[0115] The electronic device can execute the payment channel determination method in the embodiment of the present application, thereby realizing the combination Figures 1 to 2 Describes the method by which payment channels are determined.

[0116] In addition, in combination with the payment channel determination method in the above embodiment, the embodiment of the present application can provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by the processor, the Figures 1 to 2 The method for determining the payment channel in .

[0117] It should be understood that the present application is not limited to the specific configurations and processes described above and illustrated in the figures. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and illustrated as examples. However, the method process of the present application is not limited to the specific steps described and illustrated. Those skilled in the art can make various changes, modifications, and additions, or change the order of the steps after understanding the spirit of the present application.

[0118] The functional blocks shown in the above-described block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable medium" can include any medium that can store or transmit information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROMs, flash memories, erasable ROMs (EROMs), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.

[0119] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps. In other words, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0120] The above description is only a specific embodiment of the present application. Those skilled in the art will clearly understand that for the convenience and brevity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the scope of protection of the present application is not limited thereto. Any person skilled in the art can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the scope of protection of the present application.

Claims

1. A method for determining a payment channel, characterized in that: The method comprises: receiving a payment request sent by a payment terminal, wherein the payment request includes a business type; Determine, based on a preset correspondence between a business type and a rule factor of a payment channel, a first rule factor of the payment channel corresponding to the business type; the rule factor is a code package including a rule number, exists in a modular form, and is assembled differently according to different businesses; Determine the target payment channel according to the first rule factor; Sending information of the target payment channel to the payment terminal, so that the payment terminal uses the target payment channel to make payment; The first rule factor includes: a screening factor and a ranking factor; determining the target payment channel according to the first rule factor includes: Access to multiple payment channels; Filtering the multiple payment channels according to at least one of the filtering factors to obtain a first payment channel; sorting the at least one first payment channel according to the sorting factor to obtain a first payment channel sequence; Determine the first payment channel with the highest ranking in the first payment channel sequence as the target payment channel; The step of determining the first payment channel with the highest ranking in the first payment channel sequence as the target payment channel includes: determining whether a preset number of payment failures occur in the first payment channel; If the first payment channels include a payment channel that has experienced a preset number of payment failures, the ranking of the payment channel that has experienced a preset number of payment failures is lowered according to a preset rule to obtain a second payment channel sequence; The first payment channel with the highest ranking in the second payment channel sequence is determined as the target payment channel.

2. The method according to any one of claim 1, characterized in that Before determining the first rule factor of the payment channel corresponding to the business type according to the preset correspondence between the business type and the rule factor of the payment channel, the method further includes: Create a correspondence between the business type and the rule factor of the payment channel.

3. A device for determining a payment channel, characterized in that: The device comprises: A receiving module, configured to receive a payment request sent by a payment terminal, wherein the payment request includes a business type; a determination module configured to determine, based on a preset correspondence between a business type and a rule factor of a payment channel, a first rule factor of the payment channel corresponding to the business type; the rule factor is a code package including a rule number, exists in a modular form, and is assembled differently according to different businesses; The determination module is further configured to determine a target payment channel based on the first rule factor; a sending module, configured to send information of the target payment channel to the payment terminal, so that the payment terminal uses the target payment channel for payment; The first rule factor includes: a screening factor and a ranking factor, and the determination module is specifically configured to: Access to multiple payment channels; Filtering the multiple payment channels according to at least one of the filtering factors to obtain a first payment channel; sorting the at least one first payment channel according to the sorting factor to obtain a first payment channel sequence; Determine the first payment channel with the highest ranking in the first payment channel sequence as the target payment channel; The determining module is specifically configured to: determining whether a preset number of payment failures occur in the first payment channel; If the first payment channels include a payment channel that has experienced a preset number of payment failures, the ranking of the payment channel that has experienced a preset number of payment failures is lowered according to a preset rule to obtain a second payment channel sequence; The first payment channel with the highest ranking in the second payment channel sequence is determined as the target payment channel.

4. An electronic device, characterized in that: The device includes: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the method for determining the payment channel according to any one of claims 1-2 is implemented.

5. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the method for determining a payment channel according to any one of claims 1 to 2.

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