A payment distribution system and method for fine control of a merchant payment channel

Abstract

The application provides a payment distribution system and method for fine control of a merchant payment channel, wherein the system comprises: a transaction information acquisition subsystem for acquiring transaction information of a merchant user; a payment distribution subsystem for distributing payment based on intelligent routing of the merchant payment channel and the transaction information; a payment request submission subsystem for submitting a payment request according to the payment distribution result; and a transaction response subsystem for responding to the transaction information of the merchant user according to the submitted payment request. The payment distribution system and method for fine control of the merchant payment channel according to the application link a merchant payment channel management platform and a commodity management platform, and automatically select the best payment channel according to transaction characteristics, channel status and a percentage rule set by the merchant through an intelligent routing engine based on the transaction information of the merchant user, so that the payment channel is more accurately and finely controlled, backup payment is switched without sensing when the payment channel is abnormal, and the user experience is improved.

Description

Technical Field

[0001] This 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 Technology

[0002] With the rapid development of the internet and e-commerce, online shopping has become an integral part of people's lives and continues to grow. The smoothness of the online shopping experience largely depends on the stability and diversity of the payment system, as well as the effective integration of different payment channels. The payment system and its diverse payment channels are an indispensable part of online shopping platforms; they directly impact user experience, merchant operational efficiency, and market competitiveness, forming the cornerstone of a successful e-commerce ecosystem.

[0003] The invention patent application CN201810813672.2 discloses a payment information diversion method, system, device, and storage medium. The method includes: a merchant client submitting a transaction request to a server; the server identifying the merchant number in the transaction request and determining the channel number of the payment channel corresponding to the merchant number based on the merchant number and a diversion strategy, and returning the channel number to the merchant client; the merchant client submitting the transaction request to the payment channel corresponding to the channel number for transaction processing. This invention diverts payment information based on the merchant dimension, ensuring the high performance and high availability of the payment platform. Furthermore, it adopts different transaction diversion strategies for merchants with different transaction volumes, ensuring that key merchants with high transaction volumes have sufficient system resources to cope with transaction peaks, while also ensuring the stable operation of ordinary merchants, preventing them from being affected by potential system fluctuations.

[0004] However, the aforementioned existing technologies only divert transactions from a single merchant perspective. The rationality of transaction diversion is also affected by other factors (such as payment user preferences). A single diversion criterion makes the selection of transaction channels inappropriate and the payment user experience poor.

[0005] In view of this, there is an urgent need for a payment diversion system and method that can finely control merchants' payment channels, in order to at least solve the above-mentioned shortcomings. Summary of the Invention

[0006] One of the objectives of this invention is to provide a payment diversion system and method for finely controlling merchant payment channels. By linking the merchant payment channel management platform and the product management platform, and based on the transaction information of merchant users, the intelligent routing engine automatically selects the best payment channel according to transaction characteristics, channel status, and percentage rules set by the merchant. This enables more precise and refined control of payment channels, and allows for seamless switching of backup payments when payment channels are abnormal, thereby improving the user experience.

[0007] This invention provides a payment diversion system for refined control of merchant payment channels, comprising:

[0008] The transaction information acquisition subsystem is used to acquire transaction information from merchant users;

[0009] The payment routing subsystem is used for intelligent routing based on merchant payment channels and payment routing based on transaction information.

[0010] The payment request submission subsystem is used to submit payment requests based on the payment routing results.

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

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

[0013] Obtain information about the payment method selected by merchants after they have chosen products on the merchant platform;

[0014] Select the payment method and verify the payment order;

[0015] Parse and verify the payment orders to obtain transaction information.

[0016] Preferably, the transaction information acquisition subsystem acquires the payment method selection information of merchant users after they have selected goods on the merchant platform, including:

[0017] Attempt to obtain the pre-selected payment methods used by merchant users on the merchant platform;

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

[0019] If the attempt to obtain the payment platform fails, try obtaining the payment platform that the merchant platform partners with;

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

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

[0022] If a merchant user activates this feature, the corresponding payment platform will be used as the payment method selection information.

[0023] If the merchant user has not activated the service, obtain the activation conditions information from the payment platform;

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

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

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

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

[0028] Screen user complaints related to the testing payment platform and use them as target complaint information;

[0029] The target complaint information is broken down to obtain sub-information of target complaints of different types;

[0030] The target complaint sub-information is characterized to obtain the target complaint sub-information features; the target complaint sub-information features include: complainant user tag weight, complainant user tag, and complaint intensity;

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

[0032] Train and test a payment platform screening model based on historical payment platform complaint handling records;

[0033] The complaint factors are input into the test payment platform screening model to determine the payment platforms that pass the screening.

[0034] Among these, a payment platform screening model was trained and tested based on historical payment platform complaint handling records, including:

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

[0036] Input factors are determined based on the same construction rules for complaint factors and historical payment platform complaint information;

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

[0038] Preferably, the transaction information acquisition subsystem, based on the activation condition information, will use the payment platform to be activated in the future as the payment method selection information, including:

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

[0040] Analyze the application information to obtain the credit payment activation application;

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

[0042] Based on the credit payment guarantee conditions and the merchant's credit on the merchant platform's primary platform, determine whether the merchant meets the corresponding credit payment guarantee conditions on the merchant platform.

[0043] If a merchant meets the credit payment guarantee conditions corresponding to the merchant platform, the corresponding payment platform will be used as the payment platform for future transactions.

[0044] If a merchant does not meet the credit payment guarantee conditions corresponding to the merchant platform, the credit payment guarantee conditions will be analyzed to obtain the corresponding payment platform's partner merchants.

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

[0046] The guarantee credit is determined based on the guarantee relationship and the merchant's credit on the second platform of the cooperating merchant;

[0047] Based on the credit and guarantee credit scores of the first platform, determine whether the merchant user meets the corresponding credit payment guarantee conditions on the merchant platform;

[0048] If a merchant meets the credit payment guarantee conditions corresponding to the merchant platform, the corresponding payment platform will be used as the payment platform for future transactions.

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

[0050] Preferably, the payment diversion subsystem intelligently routes payments based on merchant payment channels and diverts payments according to transaction information, including:

[0051] Obtain platform settings information; platform settings information includes: merchant payment channel management platform settings such as payment channel information, proportions, and backup channels; product management platform settings such as product payment channels and payment method restrictions;

[0052] Based on the platform settings, determine whether the payment product has a designated payment channel; if so, determine the payment channel.

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

[0054] If a ratio is set, the channel formula is calculated based on a weighted random algorithm, and the payment channels are selected accordingly.

[0055] If no ratio is set, payment will be routed intelligently based on the merchant's payment channel, according to platform settings and transaction information, and a channel score will be calculated. The formula for calculating the channel score is as follows:

[0056]

[0057] in, Rate the channel A quantified value of the payment amount. For the quantified value of the region, Quantification value for payment type, This is a quantified value of the success rate. This is a quantified value for channel fees. This is a quantitative value for the health of the channel. , , , , as well as These are weighted by payment amount, region, payment type, success rate, channel fee, and channel health.

[0058] Select the highest-rated payment channel based on channel rating.

[0059] This invention provides a method for finely controlling payment diversion across merchant payment channels, comprising:

[0060] Step 1: Obtain transaction information from merchant users;

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

[0062] Step 3: Submit a payment request based on the payment routing results;

[0063] Step 4: Response the merchant user with transaction information based on the submitted payment request.

[0064] Preferably, the transaction information of merchant users is obtained, including:

[0065] Obtain information about the payment method selected by merchants after they have chosen products on the merchant platform;

[0066] Select the payment method and verify the payment order;

[0067] Parse and verify the payment orders to obtain transaction information.

[0068] Preferably, the payment method selection information of merchant users after they have selected goods on the merchant platform is obtained, including:

[0069] Attempt to obtain the pre-selected payment methods used by merchant users on the merchant platform;

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

[0071] If the attempt to obtain the payment platform fails, try obtaining the payment platform that the merchant platform partners with;

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

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

[0074] If a merchant user activates this feature, the corresponding payment platform will be used as the payment method selection information.

[0075] If the merchant user has not activated the service, obtain the activation conditions information from the payment platform;

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

[0077] Preferred payment platforms for merchant platform cooperation include:

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

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

[0080] Screen user complaints related to the testing payment platform and use them as target complaint information;

[0081] The target complaint information is broken down to obtain sub-information of target complaints of different types;

[0082] The target complaint sub-information is characterized to obtain the target complaint sub-information features; the target complaint sub-information features include: complainant user tag weight, complainant user tag, and complaint intensity;

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

[0084] Train and test a payment platform screening model based on historical payment platform complaint handling records;

[0085] The complaint factors are input into the test payment platform screening model to determine the payment platforms that pass the screening.

[0086] Among these, a payment platform screening model was trained and tested based on historical payment platform complaint handling records, including:

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

[0088] Input factors are determined based on the same construction rules for complaint factors and historical payment platform complaint information;

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

[0090] Preferably, intelligent routing based on merchant payment channels and payment diversion based on transaction information includes:

[0091] Obtain platform settings information; platform settings information includes: merchant payment channel management platform settings such as payment channel information, proportions, and backup channels; product management platform settings such as product payment channels and payment method restrictions;

[0092] Based on the platform settings, determine whether the payment product has a designated payment channel; if so, determine the payment channel.

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

[0094] If a ratio is set, the channel formula is calculated based on a weighted random algorithm, and the payment channels are selected accordingly.

[0095] If no ratio is set, payment will be routed intelligently based on the merchant's payment channel, according to platform settings and transaction information, and a channel score will be calculated. The formula for calculating the channel score is as follows:

[0096]

[0097] in, Rate the channel A quantified value of the payment amount. For the quantified value of the region, Quantification value for payment type, This is a quantified value of the success rate. This is a quantified value for channel fees. This is a quantitative value for the health of the channel. , , , , as well as These are weighted by payment amount, region, payment type, success rate, channel fee, and channel health.

[0098] Select the highest-rated payment channel based on channel rating.

[0099] The beneficial effects of this invention are as follows:

[0100] This invention links the merchant payment channel management platform and the product management platform. Based on the transaction information of merchants, the intelligent routing engine automatically selects the best payment channel according to transaction characteristics, channel status, and percentage rules set by the merchant. This enables more precise and refined control of payment channels and allows for seamless switching of backup payments when payment channels are abnormal, thus improving the user experience.

[0101] Other features and advantages of the invention will be set forth in the description which follows, and will be apparent in part from the description, or may be learned by practicing the invention. The objects and other advantages of the invention may be realized and obtained by means of the structures particularly pointed out in this application.

[0102] The technical solution of the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. Attached Figure Description

[0103] The accompanying drawings are provided to further illustrate the invention and form part of the specification. They are used in conjunction with embodiments of the invention to explain the invention and do not constitute a limitation thereof. In the drawings:

[0104] Figure 1 This is a schematic diagram of a payment diversion system for refined control of merchant payment channels in an embodiment of the present invention;

[0105] Figure 2 This is a schematic diagram of a payment diversion method for refined control of merchant payment channels in an embodiment of the present invention. Detailed Implementation

[0106] The preferred embodiments of the present invention will be described below with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are for illustration and explanation only and are not intended to limit the present invention.

[0107] This invention provides a payment diversion system for refined control of merchant payment channels, such as... Figure 1 As shown, it includes:

[0108] Transaction Information Acquisition Subsystem 1 is used to acquire transaction information of merchant users; where merchant users are: the payment users of merchants, such as: consumers of an e-commerce platform; transaction information includes: product amount, user account and delivery address, etc.

[0109] Payment diversion subsystem 2 is used for intelligent routing based on merchant payment channels and payment diversion based on transaction information. The intelligent routing based on merchant payment channels and payment diversion based on transaction information is as follows: it links with the merchant payment channel management platform and the product management platform to enable the intelligent routing engine to automatically select the best payment channel based on transaction characteristics (such as amount, region and payment type), channel status (such as success rate, cost and channel health) and percentage rules set by the merchant, so as to achieve seamless switching of backup payment when the payment channel is abnormal.

[0110] Payment request submission subsystem 3 is used to submit payment requests based on the payment routing results; the payment routing results include payment channels for different merchant users, and the system sends payment requests containing encrypted transaction information to the corresponding payment channels through the API interface;

[0111] Transaction Response Subsystem 4 is used to respond to the merchant user's transaction information based on the submitted payment request.

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

[0113] This invention links the merchant payment channel management platform and the product management platform. Based on the transaction information of merchants, the intelligent routing engine automatically selects the best payment channel according to transaction characteristics, channel status, and percentage rules set by the merchant. This enables more precise and refined control of payment channels and allows for seamless switching of backup payments when payment channels are abnormal, thus improving the user experience.

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

[0115] Obtain the payment method selection information of merchant users after they have selected products on the merchant platform; the payment method selection information is: the payment channel selected by the merchant user based on personal preference;

[0116] Based on the selected payment method, the payment order is verified. This verification process includes checking the product amount, user account, shipping address, etc., to confirm the legality and completeness of the order.

[0117] The transaction information acquisition module is used to parse verified payment orders and obtain transaction information.

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

[0119] This invention pre-verifies payment orders before acquiring transaction information, thereby improving the accuracy of transaction information.

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

[0121] Attempt to obtain the pre-selected payment methods that merchants have set up on the merchant platform; where pre-selected payment methods are the payment methods that merchants have set up in advance on the merchant platform.

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

[0123] If the attempt to obtain the payment platform fails, obtain the payment platform that the merchant platform partners 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; the payment platform activation information includes: the user's account status information on the payment platform, such as: whether it has been activated or registered;

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

[0126] If a merchant user activates this feature, the corresponding payment platform will be used as the payment method selection information.

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

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

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

[0130] After selecting their products, merchants typically choose their payment method. Specifically, if a user has a pre-set default payment method, that method is directly used as the payment option. Otherwise, the payment platforms partnered with the merchant platform are displayed for the user to view. The user then selects a payment platform. There are two scenarios for the selected platform: first, the merchant is already a user of the payment platform; second, the merchant is not a user. In the first scenario, the merchant already has a payment platform account and can directly authorize payment. In the second scenario, the merchant has not yet registered. The platform's activation requirements are then introduced. Based on these requirements and the merchant's information, it's determined whether the merchant meets the activation criteria. If so, the payment method that the merchant will choose to use after activating the corresponding payment platform in the future is displayed as the payment option. This provides merchants with a more comprehensive selection on the payment method selection interface and can also recommend new platforms, making the process more efficient.

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

[0132] Obtain the trial operation records of the test payment platform; where the test payment platform is the payment platform to which cooperation is planned; the trial operation records are the records of the operation test conducted for a period of time (e.g., 1 month) before the test payment platform is officially launched, which will be used as the basis for determining whether to formally cooperate later.

[0133] Based on the trial operation records, obtain user complaint information during the trial operation of the test payment platform; among them, user complaint information includes: complaints from merchant platforms, 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 target complaint information; where, related to the test payment platform means that the user corresponding to the complaint information has been verified to have used the test payment platform in the purchase record of the corresponding complaint, and the complaint content includes the descriptive semantics of the test payment platform;

[0135] The target complaint information is broken down to obtain target complaint sub-information of different complaint types; among them, the complaint type refers to the types of complaints against the payment platform, such as: amount deviation and response speed, etc.

[0136] The target complaint sub-information is characterized to obtain the target complaint sub-information features. The target complaint sub-information features include: complaint user tag weight, complaint user tag, and complaint intensity. The complaint user tag weight represents the importance of the complaint user and is obtained by normalization based on the complaint user's platform points. The complaint user tag is the complaint user ID. The complaint intensity is the result obtained by multiplying the preset severity weight of 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.

[0137] Based on the characteristics of the target complaint sub-information, a complaint factor is constructed; where the row label of the complaint factor represents the complaint type and the column label represents the weighted complaint intensity; the weighted complaint intensity is the result obtained by multiplying the complaint user label weight in the target complaint sub-information of the same complaint type by the corresponding user's complaint intensity and then summing them.

[0138] Based on historical payment platform complaint handling records, a payment platform screening model was trained and tested. The test payment platform screening model is an AI model that automatically screens payment platforms cooperating with merchant platforms based on complaint factors.

[0139] The complaint factors are input into the test payment platform screening model to determine the payment platforms that pass the screening.

[0140] Among these, a payment platform screening model was trained and tested based on historical payment platform complaint handling records, including:

[0141] Analyze historical payment platform complaint handling records to determine historical payment platform complaint information and handling results; among them, the handling results are: the results of manual determination based on historical payment platform complaint information to determine whether further cooperation with the tested historical payment platform is necessary;

[0142] Input factors are determined based on the same construction rules for complaint factors and historical payment platform complaint information;

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

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

[0145] For merchants, the payment platforms they partner with serve as a guarantee. Therefore, merchants need to screen these payment platforms. Before officially cooperating with a potential payment platform, testing is conducted to obtain trial operation records. During the trial operation, target complaint information from merchants regarding the test payment platform is collected. The sub-information of target complaints of different types is characterized to obtain the characteristics of target complaint sub-information, and the target complaint sub-information is quantified into complaint factors. Historical complaint handling records of payment platforms are introduced to train the test payment platform screening model. The calculated complaint factors are then input into the test payment platform screening model to automatically screen payment platforms that pass the test, thereby improving the reliability of the partner payment platform.

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

[0147] If the merchant user has not activated the service, obtain the application information submitted by the merchant user; the application information includes: relevant information about the merchant user's self-selected activation of the payment platform that has not been activated in the past;

[0148] Parse the application information to 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 will be parsed to obtain the credit payment guarantee conditions; among them, the credit payment guarantee conditions are: meeting the credit requirements of the merchant user on the merchant platform when the merchant user applies for credit payment activation.

[0150] Based on the credit payment guarantee conditions and the merchant user's credit on the merchant platform's primary platform, it is determined whether the merchant user meets the corresponding credit payment guarantee conditions on the merchant platform; whereby the primary platform credit refers to the user's local credit on the merchant platform directly read from the merchant user's information;

[0151] If a merchant meets the corresponding credit payment guarantee conditions on the merchant platform, the corresponding payment platform will be used as the payment platform for future transactions. Among them, meeting the credit payment guarantee conditions means that the credit of the first platform is greater than the required credit.

[0152] If a merchant does not meet the credit payment guarantee conditions corresponding to the merchant platform, the credit payment guarantee conditions will be analyzed to obtain the corresponding payment platform's partner merchants.

[0153] The system obtains the guarantee relationship between the merchant platform and its partner merchants. This guarantee relationship is represented by a guarantee weight. Specifically, when obtaining the guarantee weight, if the merchant platform and partner merchants are in the same organizational structure, the system obtains the organizational level of the merchant platform and partner merchants. The guarantee weight is determined based on the difference in organizational level (e.g., if the partner merchant is in the first level and the merchant platform is in the third level, the preset weight change for the second level is 0.2, the preset weight change for the first level is 0.3, and the guarantee weight for the merchant platform's level is 1, then the final guarantee relationship is 1.5). If the merchant platform and partner merchants are not in the same organizational structure, the system obtains the guarantee records of the merchant platform and partner merchants, parses the guarantee records to obtain the success rate of the guarantee, and determines the guarantee weight based on the success rate. For example, if the success rate is 0.95, the guarantee weight is 1.2; or if the success rate is 0.85, the guarantee weight is 1.

[0154] The guarantee credit is determined based on the guarantee relationship and the merchant's credit on the second platform of the cooperating merchant; the guarantee credit is the result of multiplying the guarantee relationship and the credit on the second platform.

[0155] Based on the credit and guarantee credit scores of the first platform, determine whether the merchant user meets the corresponding credit payment guarantee conditions on the merchant platform;

[0156] If a merchant meets the credit payment guarantee conditions corresponding to the merchant platform, the corresponding payment platform will be used as the payment platform for future transactions.

[0157] If a merchant does not meet the corresponding credit payment guarantee conditions on the merchant platform, the credit payment activation application will be deemed unsuccessful, and the merchant will be redirected to the regular payment application channel. Regular payment refers to a payment method where payment is made immediately upon placing an order on the merchant platform.

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

[0159] This invention obtains a merchant's credit payment activation application when the merchant has not activated the selected payment platform, and determines the corresponding credit payment guarantee conditions. If the merchant's credit on the first platform meets the corresponding credit payment guarantee conditions, the corresponding payment platform is selected for future activation. Otherwise, the invention obtains the payment platform's partner merchants and their organizational structure. Based on the organizational structure, the invention determines the partner merchants' guarantee weight for the merchant platform. Based on the guarantee weight and the merchant's credit on the partner merchants' second platform, the invention determines the guarantee credit. Based on the sum of the first platform credit and the guarantee credit, the invention determines whether the merchant meets the corresponding credit payment guarantee conditions on the merchant platform. If the conditions are met, activation is granted; otherwise, a regular payment application channel is pushed to the merchant, thus improving the suitability of the future payment platform activation process.

[0160] In one embodiment, the payment diversion subsystem intelligently routes payments based on merchant payment channels and diverts payments according to transaction information, including:

[0161] Obtain platform settings information; platform settings information includes: merchant payment channel management platform settings such as payment channel information, proportions, and backup channels; product management platform settings such as product payment channels and payment method restrictions;

[0162] Based on the platform settings, determine whether the payment product has a designated payment channel; if so, determine the payment channel.

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

[0164] If a ratio is set, the channel formula is calculated based on a weighted random algorithm, and the payment channels are selected accordingly.

[0165] If no ratio is set, payment will be routed intelligently based on the merchant's payment channel, according to platform settings and transaction information, and a channel score will be calculated. The formula for calculating the channel score is as follows:

[0166]

[0167] in, Rate the channel A quantified value of the payment amount. For the quantified value of the region, Quantification value for payment type, This is a quantified value of the success rate. This is a quantified value for channel fees. This is a quantitative value for the health of the channel. , , , , as well as These are weighted by payment amount, region, payment type, success rate, channel fee, and channel health.

[0168] Select the highest-rated payment channel based on channel rating.

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

[0170] This invention is based on intelligent routing of merchant payment channels and payment diversion according to transaction information. It incorporates payment channel information, proportions, and backup channels set by the merchant payment channel management platform, and product payment channels and payment method restrictions set by the product management platform. It analyzes transaction information to determine if a payment channel is specified for the paid product. If so, it confirms the channel; otherwise, it checks if a proportion of payment channels is set. If a proportion is set, a weighted random algorithm is used to filter payment channels. If no proportion is set, transaction characteristics are quantified to obtain payment amount (different amount ranges are set, and an influence factor is assigned to each range. 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, reflecting the higher requirements for channel security and cost sensitivity for large transactions), and region (different weights are given based on payment habits and channel acceptance in different regions, obtained through market research, such as certain regions). The scoring system considers factors such as the frequency of credit card use in a region, the weight of credit card channels in that region, payment type (assigning a base score to each payment type, such as credit card, debit card, mobile payment, etc., reflecting its general acceptance and convenience, while also considering specific payment type discounts or restrictions); channel status is quantified to obtain success rate (converting the channel's success rate into a ratio between 0 and 1, directly used as part of the score, e.g., a 95% success rate translates to 0.95), fees (channels with lower fees receive higher scores; the expected cost per transaction can be calculated and then mapped back to a score (e.g., the lower the cost, the higher the score)); and channel health (combining factors such as response time and failure rate to provide a comprehensive health index, also ranging from 0 to 1, with higher values ​​indicating healthier channels). The system calculates channel scores by combining the quantitative results of transaction characteristics and channel status, considering multiple dimensions to screen channels and improve the accuracy of payment channel selection.

[0171] This invention provides a method for fine-grained control of payment diversion across merchant payment channels, such as... Figure 2 As shown, it includes:

[0172] Step 1: Obtain transaction information from merchant users;

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

[0174] Step 3: Submit a payment request based on the payment routing results;

[0175] Step 4: Response the merchant user with transaction information based on the submitted payment request.

[0176] Obviously, those skilled in the art can make various modifications and variations to this invention without departing from its spirit and scope. Therefore, if these modifications and variations fall within the scope of the claims of this invention and their equivalents, this invention also intends to include these modifications and variations.

Claims

1. A payment diversion system for refined control of merchant payment channels, characterized in that, include: The transaction information acquisition subsystem is used to acquire transaction information from merchant users; The payment routing subsystem is used for intelligent routing based on merchant payment channels and payment routing based on transaction information. The payment request submission subsystem is used to submit payment requests based on the payment routing results. The transaction response subsystem is used to respond to merchant users' transaction information based on the submitted payment requests; The transaction information acquisition subsystem acquires transaction information from merchant users, including: Obtain information about the payment method selected by merchants after they have chosen products on the merchant platform; Select the payment method and verify the payment order; Parse and verify payment orders to obtain transaction information; This includes obtaining the payment method selection information of merchant users after they have selected goods on the merchant platform, including: Attempt to obtain the pre-selected payment methods used by merchant users on the merchant platform; If the attempt is successful, the pre-selected payment method will be used as the payment method selection information; If the attempt to obtain the payment platform fails, try obtaining the payment platform that the merchant platform partners with; Obtain the payment platform selected by the merchant user, and obtain the merchant user's payment platform activation information; Analyze payment platform activation information to determine whether the merchant user has activated the selected payment platform; If a merchant user activates this feature, the corresponding payment platform will be used as the payment method selection information. If the merchant user has not activated the service, obtain the activation conditions information from the payment platform; Based on the activation conditions, the payment platform to be activated in the future will be used as the payment method selection information; The payment platforms that have partnered with merchant platforms include: Obtain the trial operation records of the test payment platform; Based on the trial operation records, obtain user complaint information during the trial operation of the test payment platform; Screen user complaints related to the testing payment platform and use them as target complaint information; The target complaint information is broken down to obtain sub-information of target complaints of different types; The target complaint sub-information is characterized to obtain the target complaint sub-information features; the target complaint sub-information features include: complainant user tag weight, complainant user tag, and complaint intensity; Based on the characteristics of the target complaint sub-information, a complaint factor is constructed; where the row label of the complaint factor represents the complaint type and the column label represents the weighted complaint intensity; the weighted complaint intensity is the result obtained by multiplying the complaint user label weight in the target complaint sub-information of the same complaint type by the corresponding user's complaint intensity and then summing them. Train and test a payment platform screening model based on historical payment platform complaint handling records; The complaint factors are input into the test payment platform screening model to determine the payment platforms that pass the screening. Among these, a payment platform screening model was trained and tested based on historical payment platform complaint handling records, including: Analyze historical payment platform complaint handling records to determine historical payment platform complaint information and handling results; Input factors are determined based on the same construction rules for complaint factors and historical payment platform complaint information; The input factors are used as input to a pre-defined neural network model, and the processing results are used as output to train and test the screening model of the payment platform.

2. The payment diversion system for refined control of merchant payment channels as described in claim 1, characterized in that, The payment routing subsystem intelligently routes payments based on merchant payment channels and distributes payments according to transaction information, including: Obtain platform settings information; platform settings information includes: merchant payment channel management platform settings such as payment channel information, proportions, and backup channels; product management platform settings such as product payment channels and payment method restrictions; Based on the platform settings, determine whether the payment product has a designated payment channel; if so, determine the payment channel. If not, determine whether to set a ratio; If a ratio is set, the channel formula is calculated based on a weighted random algorithm, and the payment channels are selected accordingly. If no ratio is set, payment will be routed intelligently based on the merchant's payment channel, according to platform settings and transaction information, and a channel score will be calculated. The formula for calculating the channel score is as follows: in, Rate the channel A quantified value of the payment amount. For the quantified value of the region, Quantified value for payment type, This is a quantified value of the success rate. This is a quantified value for channel commissions. This is a quantitative value for the health of the channel. , , , , as well as These are weighted by payment amount, region, payment type, success rate, channel fee, and channel health. Select the highest-rated payment channel based on channel rating.

3. A method for refined control of merchant payment channels, characterized in that, include: Obtain transaction information from merchant users; Intelligent routing based on merchant payment channels and payment diversion based on transaction information; Submit a payment request based on the payment routing results; The merchant responds with transaction information based on the submitted payment request; This includes obtaining merchant users' transaction information, including: Obtain information about the payment method selected by merchants after they have chosen products on the merchant platform; Select the payment method and verify the payment order; Parse and verify payment orders to obtain transaction information; This includes obtaining the payment method selection information of merchant users after they have selected goods on the merchant platform, including: Attempt to obtain the pre-selected payment methods used by merchant users on the merchant platform; If the attempt is successful, the pre-selected payment method will be used as the payment method selection information; If the attempt to obtain the payment platform fails, try obtaining the payment platform that the merchant platform partners with; Obtain the payment platform selected by the merchant user, and obtain the merchant user's payment platform activation information; Analyze payment platform activation information to determine whether the merchant user has activated the selected payment platform; If a merchant user activates this feature, the corresponding payment platform will be used as the payment method selection information. If the merchant user has not activated the service, obtain the activation conditions information from the payment platform; Based on the activation conditions, the payment platform to be activated in the future will be used as the payment method selection information; The payment platforms that have partnered with merchant platforms include: Obtain the trial operation records of the test payment platform; Based on the trial operation records, obtain user complaint information during the trial operation of the test payment platform; Screen user complaints related to the testing payment platform and use them as target complaint information; The target complaint information is broken down to obtain sub-information of target complaints of different types; The target complaint sub-information is characterized to obtain the target complaint sub-information features; the target complaint sub-information features include: complainant user tag weight, complainant user tag, and complaint intensity; Based on the characteristics of the target complaint sub-information, a complaint factor is constructed; where the row label of the complaint factor represents the complaint type and the column label represents the weighted complaint intensity; the weighted complaint intensity is the result obtained by multiplying the complaint user label weight in the target complaint sub-information of the same complaint type by the corresponding user's complaint intensity and then summing them. Train and test a payment platform screening model based on historical payment platform complaint handling records; The complaint factors are input into the test payment platform screening model to determine the payment platforms that pass the screening. Among these, a payment platform screening model was trained and tested based on historical payment platform complaint handling records, including: Analyze historical payment platform complaint handling records to determine historical payment platform complaint information and handling results; Input factors are determined based on the same construction rules for complaint factors and historical payment platform complaint information; The input factors are used as input to a pre-defined neural network model, and the processing results are used as output to train and test the screening model of the payment platform.

4. The payment diversion method for refined control of merchant payment channels as described in claim 3, characterized in that, Intelligent routing based on merchant payment channels and payment diversion based on transaction information includes: Obtain platform settings information; platform settings information includes: merchant payment channel management platform settings such as payment channel information, proportions, and backup channels; product management platform settings such as product payment channels and payment method restrictions; Based on the platform settings, determine whether the payment product has a designated payment channel; if so, determine the payment channel. If not, determine whether to set a ratio; If a ratio is set, the channel formula is calculated based on a weighted random algorithm, and the payment channels are selected accordingly. If no ratio is set, payment will be routed intelligently based on the merchant's payment channel, according to platform settings and transaction information, and a channel score will be calculated. The formula for calculating the channel score is as follows: in, Rate the channel A quantified value of the payment amount. For the quantified value of the region, Quantified value for payment type, This is a quantified value of the success rate. This is a quantified value for channel commissions. This is a quantitative value for the health of the channel. , , , , as well as These are weighted by payment amount, region, payment type, success rate, channel fee, and channel health. Select the highest-rated payment channel based on channel rating.

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