Payment distribution system and method for finely controlling merchant collection channel

Abstract

The invention provides a payment shunting system and method for finely controlling a merchant collection channel, and the system comprises a transaction information obtaining subsystem which is used for obtaining the transaction information of a merchant user; the payment shunting subsystem is used for carrying out payment shunting according to the transaction information based on merchant collection channel intelligent routing; the payment request submission subsystem is used for submitting a payment request according to the payment distribution result; and the transaction response subsystem is used for responding to the transaction information of the merchant user according to the submitted payment request. According to the payment shunting system and method for finely controlling the merchant collection channel, the merchant collection channel management platform and the commodity management platform are linked, and according to the transaction information of the merchant user, the intelligent routing engine automatically selects the optimal collection channel according to the transaction characteristics, the channel state and the percentage rule set by the merchant; the collection channel is controlled more accurately and finely, non-inductive switching of backup collection when the collection channel is abnormal is realized, and the user experience is improved.

Description

Technical Field

[0001] The present invention relates to the field of information processing technology, and in particular to a payment diversion system and method for finely controlling merchant payment channels. Background Art

[0002] With the rapid development of the Internet and e-commerce, online shopping has become a part of people's lives and continues to grow. The smoothness of the online shopping experience depends largely on the stability and diversity of the payment system and the effective integration of different payment channels. The payment system and the various payment channels it contains are an indispensable part of the online shopping platform. They directly affect the user experience, merchant operation efficiency and market competitiveness, and are the cornerstone of building a successful e-commerce ecosystem.

[0003] The invention patent with application number: CN201810813672.2 discloses a payment information diversion method, system, device and storage medium, and the method includes: the merchant client submits a transaction request to the server; the server identifies the merchant number in the transaction request, and determines the channel number of the payment channel corresponding to the merchant number according to the merchant number and the diversion strategy, so as to return the channel number to the merchant client; the merchant client submits the transaction request to the payment channel corresponding to the channel number for transaction processing according to the channel number. The method of the above invention diverts payment information based on the merchant dimension, ensuring the high performance and high availability of the payment platform, and adopts different transaction diversion strategies for merchants with different transaction volumes. While ensuring that key merchants with large transaction volumes have sufficient system resources to cope with transaction peaks, it also ensures the stable operation of ordinary merchants so that they will not be affected by possible system fluctuations.

[0004] However, the above-mentioned existing technologies only perform transaction diversion from a single merchant dimension. However, whether the transaction diversion is reasonable is also affected by other factors (such as payment user preferences, etc.). A single diversion basis makes the selection of transaction channels inappropriate and the payment user experience is also poor.

[0005] In view of this, there is an urgent need for a payment diversion system and method for finely controlling merchant payment channels to at least solve the above-mentioned deficiencies. Summary of the invention

[0006] One of the purposes of the present invention is to provide a payment diversion system and method for finely controlling merchant payment channels, linking a merchant payment channel management platform and a commodity management platform, and based on the transaction information of merchant users, realizing an intelligent routing engine to automatically select the best payment channel according to transaction characteristics, channel status and percentage rules set by the merchant, so as to control the payment channels more accurately and finely, realize seamless switching of backup payment when the payment channels are abnormal, and improve user experience.

[0007] An embodiment of the present invention provides a payment diversion system for finely controlling merchant payment channels, including:

[0008] The transaction information acquisition subsystem is used to obtain the transaction information of merchant users;

[0009] Payment diversion subsystem, which is used for intelligent routing based on merchant payment channels and payment diversion based on transaction information;

[0010] The payment request submission subsystem is used to submit payment requests based on payment diversion results;

[0011] The transaction response subsystem is used to respond to the merchant user's transaction information based on the submitted payment request.

[0012] Preferably, the transaction information acquisition subsystem acquires the transaction information of the merchant user, including:

[0013] Obtain the payment method selection information after the merchant user selects the product on the merchant platform;

[0014] Select information based on the payment method and verify the payment order;

[0015] Parse the verified payment order and obtain transaction information.

[0016] Preferably, the transaction information acquisition subsystem acquires the payment method selection information after the merchant user selects the goods on the merchant platform, including:

[0017] Attempt to obtain the pre-selected payment method preset by the merchant user on the merchant platform;

[0018] If the acquisition attempt is successful, the pre-selected payment method is used as the payment method selection information;

[0019] If the attempt fails, obtain the payment platform that the merchant platform cooperates with;

[0020] Obtain the payment platform selected by the merchant user and obtain the payment platform activation information of the merchant user;

[0021] Parse the payment platform activation information to determine whether the merchant user has activated the selected payment platform;

[0022] If the merchant user activates it, the corresponding payment platform will be used as the payment method selection information;

[0023] If the merchant user has not activated it, obtain the activation condition information of the payment platform;

[0024] According to the activation condition information, the payment platform to be activated in the future will be used as payment method selection information.

[0025] Preferably, the transaction information acquisition subsystem acquires the payment platform that cooperates with the merchant platform, including:

[0026] Obtain trial operation records of the test payment platform;

[0027] According to the trial operation records, obtain user complaint information during the trial operation of the test payment platform;

[0028] Filter user complaint information related to the test payment platform and use it as target complaint information;

[0029] Split the target complaint information to obtain target complaint sub-information of different complaint types;

[0030] Characterize the target complaint sub-information to obtain the target complaint sub-information features; the target complaint sub-information features include: complaint user label weight, complaint user label and complaint intensity;

[0031] According to the characteristics of the target complaint sub-information, a complaint factor is constructed; the row label of the complaint factor represents the complaint type, and the column label represents the weighted complaint intensity;

[0032] Based on the historical payment platform complaint handling records, train and test the payment platform screening model;

[0033] Input the complaint factors into the test payment platform screening model to determine the payment platforms that pass the screening;

[0034] Among them, according to the historical payment platform complaint handling records, the payment platform screening model is trained and tested, including:

[0035] Analyze the historical payment platform complaint handling records to determine the historical payment platform complaint information and handling results;

[0036] Based on the same construction rules of complaint factors and historical payment platform complaint information, input factors are determined;

[0037] The input factors are used as the input of the preset neural network model and the processing results are used as the output to train and test the payment platform screening model.

[0038] Preferably, the transaction information acquisition subsystem uses the future opening payment platform as payment method selection information according to the opening condition information, including:

[0039] If the merchant user has not activated it, obtain the application information submitted by the merchant user;

[0040] Parse the application information and obtain the credit payment activation application;

[0041] If the credit payment activation application is successfully obtained, the activation condition information is parsed to obtain the credit payment guarantee conditions;

[0042] According to the credit payment guarantee conditions and the first platform credit of the merchant user on the merchant platform, determine whether the merchant user meets the corresponding credit payment guarantee conditions of the merchant user on the merchant platform;

[0043] If the merchant user meets the credit payment guarantee conditions corresponding to the merchant user on the merchant platform, the corresponding payment platform will be used as the payment platform for future activation;

[0044] If the merchant user does not meet the credit payment guarantee conditions corresponding to the merchant user on the merchant platform, analyze the credit payment guarantee conditions and obtain the cooperative merchants of the corresponding payment platform;

[0045] Obtain the guarantee relationship between the merchant platform and the cooperating merchants;

[0046] Determine the guarantee credit based on the guarantee relationship and the merchant user's credit on the cooperating merchant's second platform;

[0047] Determine whether the merchant user meets the credit payment guarantee conditions corresponding to the merchant user on the merchant platform according to the credit and value of the first platform credit and the guarantee credit;

[0048] If the merchant user meets the credit payment guarantee conditions corresponding to the merchant user on the merchant platform, the corresponding payment platform will be used as the payment platform for future activation;

[0049] If the merchant user does not meet the credit payment guarantee conditions corresponding to the merchant user on the merchant platform, the credit payment activation application will be deemed unsuccessful and the merchant user will be pushed to the ordinary payment application channel.

[0050] Preferably, the payment diversion subsystem performs payment diversion based on intelligent routing of merchant payment channels and transaction information, including:

[0051] Obtain platform setting information; platform setting information includes: payment channel information, ratios and backup channels set by the merchant payment channel management platform; commodity payment channels and payment method restrictions set by the commodity management platform;

[0052] According to the platform setting information, determine whether the payment product specifies a payment channel, and if so, determine the payment channel;

[0053] If not, determine whether to set the ratio;

[0054] If the ratio is set, the channel formula is calculated based on the weighted random algorithm and the payment channels are screened out;

[0055] If the ratio is not set, the channel score is calculated based on the intelligent routing of the merchant's payment channel and the payment diversion according to the platform setting information and transaction information. The calculation formula of the channel score is as follows:

[0056]

[0057] Among them, TotalScore is the channel score, A is the payment amount, R is the region, P is the t For payment type, S r is the success rate, F is the channel fee, H i is the indicator of channel health, ω A ,ω R , ω F as well as They are payment amount weight, address weight, payment type weight, success rate weight, channel fee weight and channel health weight;

[0058] Filter the payment channels with the highest scores based on the channel scores.

[0059] An embodiment of the present invention provides a payment diversion method for finely controlling merchant payment channels, comprising:

[0060] Step 1: Obtain the transaction information of the merchant user;

[0061] Step 2: Intelligent routing based on merchant payment channels and payment diversion based on transaction information;

[0062] Step 3: Submit a payment request based on the payment diversion result;

[0063] Step 4: Respond to the merchant user's transaction information based on the submitted payment request.

[0064] Preferably, obtaining the transaction information of the merchant user includes:

[0065] Obtain the payment method selection information after the merchant user selects the product on the merchant platform;

[0066] Select information based on the payment method and verify the payment order;

[0067] Parse the verified payment order and obtain transaction information.

[0068] Preferably, obtaining the payment method selection information after the merchant user selects the goods on the merchant platform includes:

[0069] Attempt to obtain the pre-selected payment method preset by the merchant user on the merchant platform;

[0070] If the acquisition attempt is successful, the pre-selected payment method is used as the payment method selection information;

[0071] If the attempt fails, obtain the payment platform that the merchant platform cooperates with;

[0072] Obtain the payment platform selected by the merchant user and obtain the payment platform activation information of the merchant user;

[0073] Parse the payment platform activation information to determine whether the merchant user has activated the selected payment platform;

[0074] If the merchant user activates it, the corresponding payment platform will be used as the payment method selection information;

[0075] If the merchant user has not activated it, obtain the activation condition information of the payment platform;

[0076] According to the activation condition information, the payment platform to be activated in the future will be used as payment method selection information.

[0077] Preferably, the payment platform that the merchant platform cooperates with is obtained, including:

[0078] Obtain trial operation records of the test payment platform;

[0079] According to the trial operation records, obtain user complaint information during the trial operation of the test payment platform;

[0080] Filter user complaint information related to the test payment platform and use it as target complaint information;

[0081] Split the target complaint information to obtain target complaint sub-information of different complaint types;

[0082] Characterize the target complaint sub-information to obtain the target complaint sub-information features; the target complaint sub-information features include: complaint user label weight, complaint user label and complaint intensity;

[0083] According to the characteristics of the target complaint sub-information, a complaint factor is constructed; the row label of the complaint factor represents the complaint type, and the column label represents the weighted complaint intensity;

[0084] Based on the historical payment platform complaint handling records, train and test the payment platform screening model;

[0085] Input the complaint factors into the test payment platform screening model to determine the payment platforms that pass the screening;

[0086] Among them, according to the historical payment platform complaint handling records, the payment platform screening model is trained and tested, including:

[0087] Analyze the historical payment platform complaint handling records to determine the historical payment platform complaint information and handling results;

[0088] Based on the same construction rules of complaint factors and historical payment platform complaint information, input factors are determined;

[0089] The input factors are used as the input of the preset neural network model and the processing results are used as the output to train and test the payment platform screening model.

[0090] Preferably, payment diversion is performed based on intelligent routing of merchant payment channels and transaction information, including:

[0091] Obtain platform setting information; platform setting information includes: payment channel information, ratios and backup channels set by the merchant payment channel management platform; commodity payment channels and payment method restrictions set by the commodity management platform;

[0092] According to the platform setting information, determine whether the payment product specifies a payment channel, and if so, determine the payment channel;

[0093] If not, determine whether to set the ratio;

[0094] If the ratio is set, the channel formula is calculated based on the weighted random algorithm and the payment channels are screened out;

[0095] If the ratio is not set, the channel score is calculated based on the intelligent routing of the merchant's payment channel and the payment diversion according to the platform setting information and transaction information. The calculation formula of the channel score is as follows:

[0096]

[0097] Among them, TotalScore is the channel score, A is the payment amount, R is the region, P is the t For payment type, S r is the success rate, F is the channel fee, H i is the indicator of channel health, ω A ,ω R , ω F as well as They are payment amount weight, address weight, payment type weight, success rate weight, channel fee weight and channel health weight;

[0098] Filter the payment channels with the highest scores based on the channel scores.

[0099] The beneficial effects of the present invention are:

[0100] The present invention links the merchant's payment channel management platform and the commodity management platform, and according to the transaction information of the merchant user, realizes that the intelligent routing engine automatically selects the best payment channel according to the transaction characteristics, channel status and the percentage rules set by the merchant, controls the payment channel more accurately and finely, realizes the backup payment switching when the payment channel is abnormal, and improves the user experience.

[0101] Other features and advantages of the present invention will be described in the following description, and partly become apparent from the description, or understood by practicing the present invention. The purpose and other advantages of the present invention can be realized and obtained by the structures specifically pointed out in the present application documents.

[0102] The technical solution of the present invention is further described in detail below through the accompanying drawings and embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0103] The accompanying drawings are used to provide a further understanding of the present invention and constitute a part of the specification. Together with the embodiments of the present invention, they are used to explain the present invention and do not constitute a limitation of the present invention. In the accompanying drawings:

[0104] Figure 1 A schematic diagram of a payment diversion system for finely controlling merchant payment collection channels in an embodiment of the present invention;

[0105] Figure 2 It is a schematic diagram of a payment diversion method for finely controlling merchant payment channels in an embodiment of the present invention. DETAILED DESCRIPTION

[0106] The preferred embodiments of the present invention are described below in conjunction with the accompanying drawings. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention, and are not used to limit the present invention.

[0107] The embodiment of the present invention provides a payment diversion system for finely controlling merchant payment channels, such as Figure 1 As shown, including:

[0108] The transaction information acquisition subsystem 1 is used to acquire the transaction information of the merchant user; the merchant user is the payment user of the merchant, such as the consumer of an e-commerce platform; the transaction information is the commodity amount, user account number and delivery address, etc.;

[0109] Payment diversion subsystem 2 is used to perform payment diversion based on intelligent routing of merchant payment channels and transaction information; wherein, payment diversion based on intelligent routing of merchant payment channels and transaction information is as follows: linkage with merchant payment channel management platform and commodity management platform enables intelligent routing engine to automatically select the best payment channel according to transaction characteristics (such as amount, region and payment type, etc.), channel status (such as success rate, fee and channel health) and percentage rules set by merchants, so as to realize seamless switching of backup payment when payment channel is abnormal;

[0110] The payment request submission subsystem 3 is used to submit a payment request according to the payment diversion result; wherein the payment diversion result includes payment channels of different merchant users, and the system sends the payment request containing the encrypted transaction information to the corresponding payment channel through the API interface;

[0111] The transaction response subsystem 4 is used to respond to the merchant user's transaction information according to the submitted payment request.

[0112] The working principle and beneficial effects of the above technical solution are:

[0113] The present invention links the merchant's payment channel management platform and the commodity management platform, and according to the transaction information of the merchant user, realizes that the intelligent routing engine automatically selects the best payment channel according to the transaction characteristics, channel status and the percentage rules set by the merchant, controls the payment channel more accurately and finely, realizes the backup payment switching when the payment channel is abnormal, and improves the user experience.

[0114] In one embodiment, the transaction information acquisition subsystem acquires the transaction information of the merchant user, including:

[0115] Obtaining payment method selection information after the merchant user selects the goods on the merchant platform; wherein the payment method selection information is: the payment channel selected by the merchant user based on personal preference;

[0116] According to the payment method selection information, the payment order is verified; the payment order verification includes: verifying the product amount, user account, delivery address, etc., to confirm the legitimacy and integrity of the order;

[0117] The transaction information acquisition module is used to parse the payment order that has passed the verification and obtain the transaction information.

[0118] The working principle and beneficial effects of the above technical solution are:

[0119] The present invention pre-verifies the payment order before acquiring the transaction information, thereby improving the accuracy of the transaction information.

[0120] In one embodiment, the transaction information acquisition subsystem acquires the payment method selection information after the merchant user selects the goods on the merchant platform, including:

[0121] Try to obtain the pre-selected payment method preset by the merchant user on the merchant platform; where the pre-selected payment method is the payment method pre-set by the merchant user on the merchant platform;

[0122] If the acquisition attempt is successful, the pre-selected payment method is used as the payment method selection information;

[0123] If the attempt to obtain fails, obtain the payment platform that the merchant platform cooperates with; the payment platform is: a third-party payment platform that has a cooperative relationship with the merchant platform and can provide payment services to merchant users;

[0124] Obtain the payment platform selected by the merchant user, and obtain the payment platform activation information of the merchant user; wherein the payment platform activation information is: the user's account status information on the payment platform, such as: whether the registration is activated;

[0125] Parse the payment platform activation information to determine whether the merchant user has activated the selected payment platform;

[0126] If the merchant user activates it, the corresponding payment platform will be used as the payment method selection information;

[0127] If the merchant user has not activated the payment platform, obtain the activation condition information of the payment platform; the activation condition information is: the conditions that the user needs to meet to use the payment platform for payment, such as: real-name authentication, bank card binding, etc.;

[0128] According to the activation condition information, the payment platform to be activated in the future will be used as payment method selection information.

[0129] The working principle and beneficial effects of the above technical solution are:

[0130] After the merchant user has selected the goods, he or she generally chooses the payment method by himself or herself. In particular, when the user has set a default payment method in advance, the default payment method is directly used as the payment method selection information. Otherwise, the payment platform that cooperates with the merchant platform is presented to the merchant user for viewing. After viewing, the user will select the payment platform. There are two situations for selecting the payment platform. The first is that the merchant user is already a payment platform user, and the second is that the merchant user is not a payment platform user. In the first situation, the merchant user already has an account on the payment platform, and the user can directly authorize the payment. In the second situation, the merchant has not yet registered, and the activation condition information of the payment platform is introduced. According to the activation condition information and the merchant user information, it is determined whether the merchant user meets the activation conditions. If so, the payment method selected by the corresponding merchant user after opening the corresponding payment platform in the future is used as the payment method selection information, giving the merchant user a more comprehensive choice in the payment method selection interface, and at the same time, it can recommend new platforms, which is more reasonable.

[0131] In one embodiment, the transaction information acquisition subsystem acquires the payment platform that the merchant platform cooperates with, including:

[0132] Obtain the trial operation record of the test payment platform; the test payment platform is: the payment platform to be cooperated with; the trial operation record is: the record of the operation test for a period of time (for example: 1 month) before the test payment platform is officially operated, which is used as the basis for judging whether to formally cooperate in the future;

[0133] According to the trial operation records, obtain user complaint information during the trial operation of the test payment platform; the user complaint information refers to complaints from the merchant platform, such as consumer complaint information received by the e-commerce backend during the trial operation of the test payment platform;

[0134] Filter user complaint information related to the test payment platform and use it as the target complaint information; where, related to the test payment platform means: the user corresponding to the user complaint information is verified to have used the test payment platform in the purchase record of the corresponding complaint, and the complaint content includes the description semantics of the test payment platform;

[0135] The target complaint information is split to obtain target complaint sub-information of different complaint types; the complaint type is the type of complaint on the payment platform, such as amount deviation and response speed;

[0136] Characterize the target complaint sub-information to obtain the target complaint sub-information features; the target complaint sub-information features include: complaint user label weight, complaint user label and complaint strength; complaint user label weight represents the importance of the complaining user, and is obtained by normalizing the complaint user platform points; the complaint user label is the complaint user ID; the complaint strength is: the result obtained by multiplying the severity weight preset by the degree adverb of the complaint corresponding to the same user and the severity value of the complaint content described immediately after the degree adverb and then summing them up;

[0137] According to the characteristics of the target complaint sub-information, a complaint factor is constructed; the row label of the complaint factor represents the complaint type, and the column label represents the weighted complaint strength; the weighted complaint strength is the sum of the complaint user label weight in the target complaint sub-information of the same complaint type multiplied by the complaint strength of the corresponding user;

[0138] Based on the historical payment platform complaint handling records, train and test the payment platform screening model; the test payment platform screening model is: an AI model that automatically screens the payment platforms that cooperate with the merchant platform based on the complaint factors;

[0139] Input the complaint factors into the test payment platform screening model to determine the payment platforms that pass the screening;

[0140] Among them, according to the historical payment platform complaint handling records, the payment platform screening model is trained and tested, including:

[0141] Analyze the complaint handling records of the historical payment platform to determine the complaint information and handling results of the historical payment platform; the handling result is: the result of manually determining whether it is necessary to conduct subsequent cooperation with the tested historical payment platform based on the complaint information of the historical payment platform;

[0142] Based on the same construction rules of complaint factors and historical payment platform complaint information, input factors are determined;

[0143] The input factors are used as the input of the preset neural network model and the processing results are used as the output to train and test the payment platform screening model.

[0144] The working principle and beneficial effects of the above technical solution are:

[0145] For merchant users, merchants have a guarantee role for the payment platforms they cooperate with, so merchants need to screen the payment platforms they cooperate with. Therefore, before the intended payment platform officially cooperates, it is necessary to first conduct testing and obtain trial operation records. During the trial operation, the target complaint information of merchant users on the test payment platform is obtained, and the target complaint sub-information of different complaint types is characterized to obtain the characteristics of the target complaint sub-information, and the target complaint sub-information is quantified into complaint factors. The historical payment platform complaint processing records are introduced to train the test payment platform screening model, and the calculated complaint factors are then input into the test payment platform screening model to automatically screen the payment platforms that have passed the test, thereby improving the reliability of the cooperative payment platform.

[0146] In one embodiment, the transaction information acquisition subsystem uses the future payment platform as payment method selection information according to the activation condition information, including:

[0147] If the merchant user has not activated the payment platform, obtain the application information submitted by the merchant user; the application information is: the relevant information of the merchant user's application for activation of a payment platform that he or she has selected and has not activated in the past;

[0148] Parse the application information and obtain the credit payment activation application; the credit payment activation application includes: relevant information for activating credit payment, such as: credit payment limit, repayment date, etc.;

[0149] If the credit payment activation application is successfully obtained, the activation condition information is parsed to obtain the credit payment guarantee conditions; wherein the credit payment guarantee conditions are: the credit required by the merchant user on the merchant platform when the merchant user's credit payment activation application is satisfied;

[0150] According to the credit payment guarantee conditions and the first platform credit of the merchant user on the merchant platform, it is judged whether the merchant user meets the corresponding credit payment guarantee conditions of the merchant user on the merchant platform; wherein the first platform credit is: the local user credit of the merchant platform directly read according to the merchant user information;

[0151] If the merchant user meets the credit payment guarantee conditions corresponding to the merchant user on the merchant platform, the corresponding payment platform will be used as the payment platform for future opening; where the credit payment guarantee conditions are met: the credit of the first platform is greater than the required credit;

[0152] If the merchant user does not meet the credit payment guarantee conditions corresponding to the merchant user on the merchant platform, analyze the credit payment guarantee conditions and obtain the cooperative merchants of the corresponding payment platform;

[0153] Obtain the guarantee relationship between the merchant platform and the cooperative merchant; wherein the guarantee relationship is the guarantee weight. Specifically, when obtaining the guarantee weight, if the merchant platform and the cooperative merchant are in the same organizational structure, obtain the architectural levels of the merchant platform and the cooperative merchant, and determine the guarantee weight according to the architectural level difference (for example, the cooperative merchant is in the first layer, the merchant platform is in the third layer, the preset weight change of the second layer is 0.2, the preset weight change of the first layer is 0.3, and the guarantee weight of the layer where the merchant platform is located is 1, then the final guarantee relationship is 1.5). If the merchant platform and the cooperative merchant are not in the same organizational structure, obtain the guarantee records of the merchant platform and the cooperative merchant, parse the guarantee records to obtain the successful guarantee ratio, and determine the guarantee weight according to the successful guarantee ratio, for example, if the successful guarantee ratio is: 0.95, the guarantee weight is: 1.2, and for example, if the successful guarantee ratio is: 0.85, the guarantee weight is: 1;

[0154] Determine the guarantee credit according to the guarantee relationship and the merchant user's credit on the cooperating merchant's second platform; wherein the guarantee credit is: the result obtained by multiplying the guarantee relationship and the credit on the second platform;

[0155] Determine whether the merchant user meets the credit payment guarantee conditions corresponding to the merchant user on the merchant platform according to the credit and value of the first platform credit and the guarantee credit;

[0156] If the merchant user meets the credit payment guarantee conditions corresponding to the merchant user on the merchant platform, the corresponding payment platform will be used as the payment platform for future activation;

[0157] If the merchant user does not meet the credit payment guarantee conditions corresponding to the merchant user on the merchant platform, the credit payment application will be deemed unsuccessful and the merchant user will be pushed to the ordinary payment application channel. Among them, ordinary payment is a payment method that pays as soon as an order is placed on the merchant platform.

[0158] The working principle and beneficial effects of the above technical solution are:

[0159] The present invention obtains a credit payment activation application of the merchant user and determines a credit payment guarantee condition corresponding to the credit payment activation application when the merchant user has not activated a corresponding selected payment platform; when the merchant user's first platform credit on the merchant platform satisfies the credit payment guarantee condition corresponding to the merchant user on the merchant platform, the corresponding payment platform is used as a future activation payment platform; otherwise, the cooperative merchants of the payment platform are obtained, and the organizational structure relationship between the merchant platform and the cooperative merchants is obtained; according to the organizational structure relationship, the guarantee weight of the cooperative merchant to the merchant platform is determined; according to the guarantee weight and the merchant user's second platform credit on the cooperative merchant, the guarantee credit is determined; according to the credit and value of the first platform credit and the guarantee credit, it is judged whether the merchant user satisfies the credit payment guarantee condition corresponding to the merchant user on the merchant platform; if satisfied, the corresponding condition is activated; otherwise, a common payment application channel is pushed to the merchant user, thereby improving the suitability of the future payment platform activation process.

[0160] In one embodiment, the payment diversion subsystem performs payment diversion based on intelligent routing of merchant payment channels and transaction information, including:

[0161] Obtain platform setting information; platform setting information includes: payment channel information, ratios and backup channels set by the merchant payment channel management platform; commodity payment channels and payment method restrictions set by the commodity management platform;

[0162] According to the platform setting information, determine whether the payment product specifies a payment channel, and if so, determine the payment channel;

[0163] If not, determine whether to set the ratio;

[0164] If the ratio is set, the channel formula is calculated based on the weighted random algorithm and the payment channels are screened out;

[0165] If the ratio is not set, the channel score is calculated based on the intelligent routing of the merchant's payment channel and the payment diversion according to the platform setting information and transaction information. The calculation formula of the channel score is as follows:

[0166]

[0167] Among them, TotalScore is the channel score, A is the payment amount, R is the region, P is the t For payment type, S r is the success rate, F is the channel fee, H i is the indicator of channel health, ω A ,ω R , ω F as well as They are payment amount weight, address weight, payment type weight, success rate weight, channel fee weight and channel health weight;

[0168] Filter the payment channels with the highest scores based on the channel scores.

[0169] The working principle and beneficial effects of the above technical solution are:

[0170] The present invention is based on the intelligent routing of merchant payment channels, performs payment diversion according to transaction information, introduces payment channel information, proportions and backup channels set by the merchant payment channel management platform, introduces commodity payment channels and payment method restrictions set by the commodity management platform, parses transaction information, determines whether the payment commodity has specified a payment channel, and if so, determines, otherwise, determines whether the proportion of the payment channel is set, if the proportion is set, introduces a weighted random algorithm to screen the payment channels, if the proportion is not set, quantifies the transaction characteristics, and obtains the payment amount (sets different amount intervals, and assigns an impact factor to each interval. For example, small transactions (0-100 yuan) are assigned a value of 1, medium transactions (100-1000 yuan) are assigned a value of 1.5, and large transactions (>1000 yuan) are assigned a value of 2, so as to reflect the higher requirements of large transactions on channel security and cost sensitivity), region (different weights are given according to the payment habits and channel acceptance of different regions, obtained through market research, such as some regions The credit card is frequently used in an area, so the weight of the credit card channel in that area is high) and payment type (a basic score is assigned to each payment type (such as credit card, debit card, mobile payment, etc.) to reflect its general acceptance and convenience, while taking into account the preferential conditions or restrictions of specific payment types); the channel status is quantified to obtain the success rate (the success rate of the channel is converted into a proportional value between 0 and 1, which is directly used as part of the score. For example, a 95% success rate is converted to 0.95), the fee (the channel with lower fees has a higher score, and the expected fee cost of each transaction can be calculated, and then reversely mapped into a score (for example, the lower the fee cost, the higher the score)) and channel health (combining factors such as response time and failure rate to give a comprehensive health index, which can also range from 0 to 1, and the larger the value, the healthier the channel). The channel score is calculated by combining the quantified results of transaction characteristics and the quantified results of channel status, and the channels are screened considering multi-dimensional factors, which improves the screening accuracy of collection channels.

[0171] The embodiment of the present invention provides a payment diversion method for finely controlling merchant payment channels, such as Figure 2 As shown, including:

[0172] Step 1: Obtain the transaction information of the merchant user;

[0173] Step 2: Intelligent routing based on merchant payment channels and payment diversion based on transaction information;

[0174] Step 3: Submit a payment request based on the payment diversion result;

[0175] Step 4: Respond to the merchant user's transaction information based on the submitted payment request.

[0176] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A payment diversion system for finely controlling merchant payment channels, characterized in that: include: The transaction information acquisition subsystem is used to obtain the transaction information of merchant users; Payment diversion subsystem, which is used for intelligent routing based on merchant payment channels and payment diversion based on transaction information; The payment request submission subsystem is used to submit payment requests based on payment diversion results; The transaction response subsystem is used to respond to the merchant user's transaction information based on the submitted payment request.

2. A payment diversion system for finely controlling merchant payment channels as claimed in claim 1, characterized in that: The transaction information acquisition subsystem obtains the transaction information of merchant users, including: Obtain the payment method selection information after the merchant user selects the product on the merchant platform; Select information based on the payment method and verify the payment order; Parse the verified payment order and obtain transaction information.

3. A payment diversion system for finely controlling merchant payment channels as claimed in claim 2, characterized in that: The transaction information acquisition subsystem obtains the payment method selection information after the merchant user selects the goods on the merchant platform, including: Attempt to obtain the pre-selected payment method preset by the merchant user on the merchant platform; If the acquisition attempt is successful, the pre-selected payment method is used as the payment method selection information; If the attempt fails, obtain the payment platform that the merchant platform cooperates with; Obtain the payment platform selected by the merchant user and obtain the payment platform activation information of the merchant user; Parse the payment platform activation information to determine whether the merchant user has activated the selected payment platform; If the merchant user activates it, the corresponding payment platform will be used as the payment method selection information; If the merchant user has not activated it, obtain the activation condition information of the payment platform; According to the activation condition information, the payment platform to be activated in the future will be used as payment method selection information.

4. A payment diversion system for finely controlling merchant payment channels as claimed in claim 3, characterized in that: The transaction information acquisition subsystem obtains the payment platform that the merchant platform cooperates with, including: Obtain trial operation records of the test payment platform; According to the trial operation records, obtain user complaint information during the trial operation of the test payment platform; Filter user complaint information related to the test payment platform and use it as target complaint information; Split the target complaint information to obtain target complaint sub-information of different complaint types; Characterize the target complaint sub-information to obtain the target complaint sub-information features; the target complaint sub-information features include: complaint user label weight, complaint user label and complaint intensity; According to the characteristics of the target complaint sub-information, a complaint factor is constructed; the row label of the complaint factor represents the complaint type, and the column label represents the weighted complaint intensity; Based on the historical payment platform complaint handling records, train and test the payment platform screening model; Input the complaint factors into the test payment platform screening model to determine the payment platforms that pass the screening; Among them, according to the historical payment platform complaint handling records, the payment platform screening model is trained and tested, including: Analyze the historical payment platform complaint handling records to determine the historical payment platform complaint information and handling results; Based on the same construction rules of complaint factors and historical payment platform complaint information, input factors are determined; The input factors are used as the input of the preset neural network model and the processing results are used as the output to train and test the payment platform screening model.

5. A payment diversion system for finely controlling merchant payment channels as claimed in claim 1, characterized in that: The payment diversion subsystem is based on the intelligent routing of merchant payment channels and performs payment diversion according to transaction information, including: Obtain platform setting information; platform setting information includes: payment channel information, ratios and backup channels set by the merchant payment channel management platform; commodity payment channels and payment method restrictions set by the commodity management platform; According to the platform setting information, determine whether the payment product specifies a payment channel, and if so, determine the payment channel; If not, determine whether to set the ratio; If the ratio is set, the channel formula is calculated based on the weighted random algorithm and the payment channels are screened out; If the ratio is not set, the channel score is calculated based on the intelligent routing of the merchant's payment channel and the payment diversion according to the platform setting information and transaction information. The calculation formula of the channel score is as follows: Among them, TotalScore is the channel score, A is the payment amount, R is the region, P is the t For payment type, S r is the success rate, F is the channel fee, H i is the indicator of channel health, ω A ,ω R , ω F as well as They are payment amount weight, address weight, payment type weight, success rate weight, channel fee weight and channel health weight; Filter the payment channels with the highest scores based on the channel scores.

6. A payment diversion method for finely controlling merchant payment channels, characterized in that: include: Obtain transaction information of merchant users; Intelligent routing based on merchant payment channels and payment diversion based on transaction information; Submit payment request according to payment diversion result; Respond to the merchant user's transaction information based on the submitted payment request.

7. A payment diversion method for finely controlling merchant payment channels as claimed in claim 6, characterized in that: Get the merchant user's transaction information, including: Obtain the payment method selection information after the merchant user selects the product on the merchant platform; Select information based on the payment method and verify the payment order; Parse the verified payment order and obtain transaction information.

8. A payment diversion method for finely controlling merchant payment channels as claimed in claim 7, characterized in that: Obtain the payment method selection information after the merchant user selects the product on the merchant platform, including: Attempt to obtain the pre-selected payment method preset by the merchant user on the merchant platform; If the acquisition attempt is successful, the pre-selected payment method is used as the payment method selection information; If the attempt fails, obtain the payment platform that the merchant platform cooperates with; Obtain the payment platform selected by the merchant user and obtain the payment platform activation information of the merchant user; Parse the payment platform activation information to determine whether the merchant user has activated the selected payment platform; If the merchant user activates it, the corresponding payment platform will be used as the payment method selection information; If the merchant user has not activated it, obtain the activation condition information of the payment platform; According to the activation condition information, the payment platform to be activated in the future will be used as payment method selection information.

9. A payment diversion method for finely controlling merchant payment channels as claimed in claim 8, characterized in that: Obtain payment platforms that cooperate with merchant platforms, including: Obtain trial operation records of the test payment platform; According to the trial operation records, obtain user complaint information during the trial operation of the test payment platform; Filter user complaint information related to the test payment platform and use it as target complaint information; Split the target complaint information to obtain target complaint sub-information of different complaint types; Characterize the target complaint sub-information to obtain the target complaint sub-information features; the target complaint sub-information features include: complaint user label weight, complaint user label and complaint intensity; According to the characteristics of the target complaint sub-information, a complaint factor is constructed; the row label of the complaint factor represents the complaint type, and the column label represents the weighted complaint intensity; Based on the historical payment platform complaint handling records, train and test the payment platform screening model; Input the complaint factors into the test payment platform screening model to determine the payment platforms that pass the screening; Among them, according to the historical payment platform complaint handling records, the payment platform screening model is trained and tested, including: Analyze the historical payment platform complaint handling records to determine the historical payment platform complaint information and handling results; Based on the same construction rules of complaint factors and historical payment platform complaint information, input factors are determined; The input factors are used as the input of the preset neural network model and the processing results are used as the output to train and test the payment platform screening model.

10. A payment diversion method for finely controlling merchant payment channels as claimed in claim 6, characterized in that: Intelligent routing based on merchant payment channels and payment diversion based on transaction information, including: Obtain platform setting information; platform setting information includes: payment channel information, ratios and backup channels set by the merchant payment channel management platform; commodity payment channels and payment method restrictions set by the commodity management platform; According to the platform setting information, determine whether the payment product specifies a payment channel, and if so, determine the payment channel; If not, determine whether to set the ratio; If the ratio is set, the channel formula is calculated based on the weighted random algorithm and the payment channels are screened out; If the ratio is not set, the channel score is calculated based on the intelligent routing of the merchant's payment channel and the payment diversion according to the platform setting information and transaction information. The calculation formula of the channel score is as follows: Among them, TotalScore is the channel score, A is the payment amount, R is the region, P is the t For payment type, S r is the success rate, F is the channel fee, H i is the indicator of channel health, ω A ,ω R , ω F as well as They are payment amount weight, address weight, payment type weight, success rate weight, channel fee weight and channel health weight; Filter the payment channels with the highest scores based on the channel scores.

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