User priority payment method and system based on aggregation payment white list

By introducing a user-first payment method based on aggregation payment whitelist in the aggregation payment system, the problem of excessive system load is solved and payment processing efficiency and user experience are improved.

CN120218924APending Publication Date: 2025-06-27WUHAN ZBANK CO LTD
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Patent Information

Application Number
CN202510273475.6
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2025-03-10
Publication Date
2025-06-27

AI Technical Summary

Technical Problem

When the existing aggregation payment system processes a large number of concurrent requests, the surge in transaction volume leads to a sharp increase in the system load, affecting the processing efficiency of payment requests, and may cause a decline in user experience or even service interruption.

Method used

By obtaining the payment priority of each merchant and recording it in the aggregate payment whitelist, analyzing the original payment request and marking its priority, setting the priority scheduling policy for payment requests based on Kafka to ensure that high-priority payment requests are processed first.

Benefits of technology

It improves the processing efficiency and response speed of the aggregation payment system, improves the user's payment experience, and especially ensures the payment experience of high-value customers.

✦ Generated by Eureka AI based on patent content.

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Abstract

The invention provides a user priority payment method and system based on an aggregation payment white list, and the method comprises the following steps: obtaining payment priorities of all commercial tenants, and recording the payment priorities in the aggregation payment white list; obtaining and analyzing an original payment request, marking the original payment request according to the payment priority of each merchant in the aggregation payment white list, and obtaining a payment request with a priority mark; setting a priority scheduling strategy of the payment request based on Kafka; and processing the payment request with the priority mark according to the priority scheduling strategy of the payment request. According to the user priority payment method based on the aggregation payment white list, differentiated services can be provided for different types of users by introducing a priority division mechanism based on a fixed rule, particularly, the payment experience of high-value customers is guaranteed, the processing efficiency and the response speed of an aggregation payment system are improved, and the user experience is improved. And the user payment experience is improved.
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