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

Abstract

A cross-border payment path selection method and system based on payment channel dynamic adjustment are disclosed, including collecting real-time state information of multiple cross-border payment channels; generating a comprehensive score based on the state information and transaction context, and imposing a penalty on latency fluctuations and channel congestion; generating an initial path plan, splitting the target amount into at least two sub-amounts and assigning them to different channels to generate clearing and settlement instructions; during the payment execution process, continuously monitoring the channel state and dynamically updating the comprehensive score, if the score advantage of the backup channel exceeds the preset threshold and remains, or the default probability of the current channel exceeds the threshold, triggering path adjustment, only switching the unsubmitted or revocable sub-amounts, and keeping the order of the submitted sub-amounts; after the completion of clearing and settlement, reconciling and marking the differences of the channels, and updating the score and path parameters based on the execution results. The method can realize multi-dimensional dynamic routing in cross-border payment, reduce cost, and improve success rate and stability.

Description

Technical Field

[0001] This invention relates to the field of cross-border payment path selection technology based on dynamic adjustment of payment channels, and in particular to a method and system for cross-border payment path selection based on dynamic adjustment of payment channels. Background Technology

[0002] With the rapid development of cross-border e-commerce, international remittances, and global financial services, the demand for cross-border payments is increasing. Existing cross-border payment systems typically rely on single or pre-set payment channels for clearing and settlement. These solutions have the following shortcomings: First, the payment path is fixed, making it impossible to dynamically switch when the exchange rate is unfavorable, transaction fees increase, or congestion occurs, leading to increased costs or payment delays. Second, some systems only consider exchange rate factors, lacking a comprehensive balance of transaction fees, arrival delays, success rates, and compliance risks, making it difficult to meet the multi-dimensional requirements of cost, efficiency, and compliance in actual business operations. Third, existing routing strategies are mostly statically configured, lacking the ability to adaptively adjust based on real-time status during payment execution; once the channel status changes abruptly, transaction failures or interruptions are highly likely.

[0003] Therefore, there is an urgent need for a new method for cross-border payment path selection that can comprehensively consider exchange rates, transaction fees, latency, success rate and compliance risks in a multi-channel environment, and dynamically monitor and adjust the path during the payment execution process, thereby achieving low cost, high stability and compliant controllability of cross-border payments. Summary of the Invention

[0004] To address the aforementioned technical problems in the prior art, this invention proposes a cross-border payment path selection method and system based on dynamic adjustment of payment channels, thereby resolving these technical issues.

[0005] According to a first aspect of the present invention, a method for cross-border payment path selection based on dynamic adjustment of payment channels is proposed, comprising:

[0006] S1: Collects real-time status information from multiple cross-border payment channels, including exchange rates, transaction fees, arrival delays, success rates, channel capacity, and compliance risks.

[0007] S2: Generate a comprehensive score for each channel based on real-time status information and transaction context, and impose penalties on latency fluctuations and channel congestion;

[0008] S3: Under the premise of meeting the single-channel limit and regional compliance constraints, generate an initial payment path plan, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount;

[0009] S4: During the payment execution process, continuously monitor the channel status and dynamically update the comprehensive score. In response to the situation where the comprehensive score of the backup channel relative to the current channel increases by more than a preset percentage threshold and continues to exceed the preset holding time, or the timeout default probability of the current channel exceeds the preset threshold, trigger path adjustment, only perform replanning and switching on unsubmitted or revocable sub-amounts, and maintain the processing order of submitted sub-amounts.

[0010] S5: After the clearing and settlement is completed, channel-level reconciliation and difference marking are performed, and the comprehensive score and path adjustment parameters are updated retrospectively based on the execution results.

[0011] In some specific embodiments, the comprehensive score in S2 is calculated as follows: Comprehensive Score ,in, To leverage the exchange rate advantage of the channel, Due to the advantage of transaction fees, For the advantage of latency, For the success rate, For compliance risks, The weighting coefficients are dynamically adjusted based on transaction amount, urgency of receipt, and compliance level. Weighting for exchange rate advantage For the sake of commission advantage weight, For latency advantage weighting, Weighted by success rate, For compliance risk weights.

[0012] In some specific embodiments, the weighting coefficient satisfies the following condition: automatically increasing in response to a transaction amount exceeding a preset threshold. and The value of is automatically increased in response to the increased urgency of receiving funds. The value of [value] is determined; in response to a compliance level exceeding a preset value, the [value] is automatically increased. The value of .

[0013] In some specific embodiments, applying penalties to latency fluctuations and channel congestion in step S2 specifically includes: calculating a penalty term. ,in, For channel The time delay variance within the preset time window For channel Real-time utilization rate For congestion threshold, Let be the weight coefficient, and satisfy... Penalty items are determined from the overall score. Deducted from the middle.

[0014] In some specific embodiments, the congestion threshold The value ranges from 70% to 85%; this is in response to the channel utilization exceeding the congestion threshold. At that time, penalty items Rapid increase.

[0015] In some specific embodiments, S4 further includes: assigning a globally unique idempotent identifier to each sub-amount when generating clearing and settlement instructions; matching and deduplicating payment results using the idempotent identifier as an index during channel execution and reconciliation, ignoring duplicate submission requests; when path adjustments cause multiple instructions for the same sub-amount to be generated in different channels, only the first successfully executed instruction is entered into accounting, and the remaining instructions are marked as invalid and written to the audit log; for concurrently triggered partial clearing instructions, sorting is performed based on a combination of timestamp order and idempotent identifier.

[0016] In some specific embodiments, the triggering of path adjustment in S4 specifically includes: when the comprehensive score of the backup channel... Overall score relative to the current channel The increase ratio meets And the duration is greater than the holding time. When this occurs, a path switch is triggered, where The value range is 1.0%–3.0%, and the duration is... The value range is 5–10 seconds.

[0017] In some specific embodiments, the retrospective update of S5 specifically includes: adjusting the capacity parameters and compliance risk factors of each channel based on channel-level reconciliation discrepancies; if a channel frequently shows discrepancies or anomalies during reconciliation, reducing its subsequent capacity limit and the weight of its comprehensive score; and dynamically adjusting the latency weight in the comprehensive score based on clearing and settlement time and settlement accuracy. Weighted by success rate Based on the actual triggering effect of path adjustment, the score increase threshold was revised. Duration of maintenance The range of values ​​for .

[0018] According to a second aspect of the invention, a computer-readable storage medium is provided on which one or more computer programs are stored, which, when executed by a computer processor, implement the method described above.

[0019] According to a third aspect of the present invention, a cross-border payment path selection system based on dynamic adjustment of payment channels is proposed, comprising:

[0020] Status acquisition unit: Configured to collect real-time status information of multiple cross-border payment channels. Real-time status information includes: exchange rate, transaction fee, arrival delay, success rate, channel capacity, and compliance risks.

[0021] Scoring generation unit: Configured to generate a comprehensive score for each channel based on real-time status information and transaction context, and to impose penalties on latency fluctuations and channel congestion;

[0022] Path planning unit: Configured to generate an initial payment path plan under the premise of meeting the single channel limit and regional compliance constraints, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount;

[0023] Execution monitoring unit: Configured to continuously monitor channel status and dynamically update the comprehensive score during payment execution. In response to the situation where the comprehensive score of the backup channel relative to the current channel increases by more than a preset percentage threshold and continues for more than a preset duration, or the timeout default probability of the current channel exceeds a preset threshold, path adjustment is triggered. Only unsubmitted or revocable sub-amounts are replanned and switched, while maintaining the processing order of submitted sub-amounts.

[0024] Reconciliation Retrospective Unit: This configuration is used to perform channel-level reconciliation and difference marking after clearing and settlement are completed, and to retrospectively update the comprehensive score and path adjustment parameters based on the execution results.

[0025] This invention proposes a method and system for cross-border payment path selection based on dynamic adjustment of payment channels, which has the following technical effects:

[0026] First, by incorporating factors such as exchange rates, transaction fees, arrival delays, success rates, and compliance risks into a comprehensive score, and introducing a penalty mechanism for delay fluctuations and channel congestion, the limitations of existing technologies that rely solely on a single indicator (such as exchange rates or transaction fees) for path selection are avoided, thus achieving synergistic optimization of cost, efficiency, and compliance.

[0027] Secondly, the system continuously monitors the channel status during payment execution and triggers path adjustments when the backup channel has a significant scoring advantage or the current channel has an increased risk of default. It only switches sub-amounts that have not been submitted or are revocable, while maintaining the order and idempotency of submitted sub-amounts, which significantly improves the stability and continuity of the payment process.

[0028] In addition, under the premise of meeting the single-channel limit and compliance constraints, the target amount is intelligently split into multiple channels for execution, which reduces the risk of single-channel failure or congestion, and improves the executability and settlement efficiency of large transactions.

[0029] Finally, after clearing and settlement are completed, channel-level reconciliation and discrepancy marking are used to retrospectively update the comprehensive scoring weights, path adjustment parameters, and channel capacity configurations. This allows the system to continuously self-correct and optimize, forming a dynamically evolving payment path selection mechanism. Furthermore, idempotent flags, audit logs, and discrepancy reconciliation mechanisms ensure the consistency and traceability of accounting processing during path adjustments, complying with financial audit and regulatory requirements in cross-border payment scenarios. Attached Figure Description

[0030] The accompanying drawings are included to provide a further understanding of the embodiments and are incorporated in and constitute a part of this specification. The drawings illustrate embodiments and, together with the description, serve to explain the principles of the invention. Other embodiments and many anticipated advantages of the embodiments will be readily recognized as they become better understood through reference to the following detailed description. Other features, objects, and advantages of this application will become more apparent from reading the following detailed description of non-limiting embodiments with reference to the accompanying drawings:

[0031] Figure 1 This is an exemplary system architecture diagram to which this application can be applied;

[0032] Figure 2 This is a flowchart of a cross-border payment path selection method based on dynamic adjustment of payment channels, according to an embodiment of this application;

[0033] Figure 3 This is a framework diagram of a cross-border payment path selection system based on dynamic adjustment of payment channels, according to one embodiment of this application.

[0034] Figure 4 A schematic diagram of the structure of a computer system suitable for implementing the electronic devices of the present application. Detailed Implementation

[0035] The present application will now be described in further detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and not intended to limit it. Furthermore, it should be noted that, for ease of description, only the parts relevant to the invention are shown in the accompanying drawings.

[0036] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. This application will now be described in detail with reference to the accompanying drawings and embodiments.

[0037] Figure 1 An exemplary system architecture 100 is shown that can be applied to the cross-border payment path selection method based on dynamic adjustment of payment channels according to the embodiments of this application.

[0038] like Figure 1As shown, system architecture 100 may include a data server 101, a network 102, and a main server 103. Network 102 serves as the medium for providing a communication link between data server 101 and main server 103. Network 102 may include various connection types, such as wired or wireless communication links or fiber optic cables.

[0039] The main server 103 can be a server that provides various services, such as a data processing server that processes the information uploaded by the data server 101.

[0040] It should be noted that the cross-border payment path selection method based on dynamic adjustment of payment channels provided in this application embodiment is generally executed by the main server 103. Correspondingly, the cross-border payment path selection system based on dynamic adjustment of payment channels is generally set in the main server 103.

[0041] It should be noted that data servers and master servers can be either hardware or software. When they are hardware, they can be implemented as a distributed server cluster consisting of multiple servers, or as a single server. When they are software, they can be implemented as multiple software programs or software modules (such as software programs or software modules used to provide distributed services), or as a single software program or software module.

[0042] It should be understood that Figure 1 The number of data servers, networks, and main servers shown is merely illustrative. Depending on implementation needs, there can be any number of terminal devices, networks, and servers.

[0043] Figure 2 A flowchart illustrating a cross-border payment path selection method based on dynamic adjustment of payment channels, according to an embodiment of this application, is shown. Figure 2 As shown, the method includes the following steps:

[0044] S1: Collects real-time status information from multiple cross-border payment channels, including exchange rates, transaction fees, arrival delays, success rates, channel capacity, and compliance risks.

[0045] In a specific implementation, connections can be established with bank clearing gateways, third-party payment channels, and clearing association interfaces to obtain real-time status information of multiple cross-border payment channels. This status information includes: exchange rate (refreshed every 30 seconds), transaction fee rate (updated daily), arrival delay (based on statistics from the past 5 minutes), success rate (based on transaction results from the past 24 hours), channel capacity (the maximum number of transactions a channel can handle), and compliance risk (calculated based on regional regulatory rules and historical interception rates).

[0046] S2: Generate a comprehensive score for each channel based on real-time status information and transaction context, and impose penalties on latency fluctuations and channel congestion.

[0047] In a specific implementation, exchange rates, transaction fees, latency, success rate, and compliance risks can be normalized, and then a comprehensive score can be generated based on the following formula: ,in, These correspond to the advantages of the channel in terms of exchange rate, transaction fees, latency, success rate, and compliance risks. These are the corresponding dynamic weight parameters, adjusted based on transaction amount, urgency of settlement, and compliance level. The weight coefficient automatically increases when the transaction amount exceeds a preset threshold. and The value of is automatically increased in response to the increased urgency of receiving funds. The value of [value] is determined; in response to a compliance level exceeding a preset value, the [value] is automatically increased. The value can be set. For example, when the transaction amount exceeds $10,000, the value will automatically increase. and The system can adjust the values ​​of γ, for example, by increasing γ from 0.25 to 0.4 and λ from 0.2 to 0.35, thus prioritizing channels with more stable latency and lower compliance risk. When a transaction is marked as "real-time arrival" or the user-set urgency level is greater than a preset threshold (e.g., 0.8, ranging from 0 to 1), the system will automatically increase the value of γ. For example, increasing γ from 0.3 to 0.5 enhances the sensitivity to latency indicators. In this case, even if a channel has lower fees, if its average latency is higher than other channels, the system will lower its priority, ensuring that payments are completed in the shortest possible time. When the transaction destination involves regions with high compliance levels (such as the EU or the US), and the compliance level parameter is greater than a preset threshold (e.g., 0.7, ranging from 0 to 1), the system will automatically increase the value of λ. For example, increasing λ from 0.25 to 0.45 gives compliance risk a greater weight in the scoring. This way, even if some channels are more advantageous in terms of exchange rates or transaction fees, their scores will be significantly weakened due to a high historical compliance interception rate, thus avoiding failures caused by compliance reviews.

[0048] In a specific embodiment, penalizing latency fluctuations and channel congestion includes: calculating a penalty term. ,in, For channel The time delay variance within a preset time window (e.g., the last 10 minutes). For channel Real-time utilization rate For congestion threshold, Let be the weight coefficient, and satisfy... Penalty items are determined from the overall score. Deduct from the middle. Congestion threshold. The value ranges from 70% to 85%; this is in response to the channel utilization exceeding the congestion threshold. At that time, penalty items Rapidly increasing. In a specific example, the penalty item... It increases rapidly according to a nonlinear function, specifically as follows: ,in, For the Sigmoid function, The steepness coefficient is used to control the growth rate, and its value ranges from 6 to 15, preferably 10; this setting makes it possible for when near The penalty value changes slowly over time, while when Exceed Time penalty item Rapidly increasing the priority of the channel significantly reduces its overall score, thus preventing transactions from concentrating on highly congested channels.

[0049] S3: Under the premise of meeting the single-channel limit and regional compliance constraints, generate an initial payment path plan, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount.

[0050] In a specific implementation, the target amount M is divided into several sub-amounts based on the target amount M, the channel capacity limit, and regional compliance constraints. The optimization model is as follows: , where the objective function This represents the weighted sum of the system's utility across all channels, where each sub-amount... The corresponding utility is determined by channel scoring. The decision is made. Maximizing this value means prioritizing the allocation of more funds to channels with higher overall scores, thereby achieving the optimal payment path globally. Indicates constraints. This indicates that all sub-amounts are guaranteed. The sum equals the target amount There will be no shortage of funds or over-allocation. This ensures that the allocation amount for each channel does not exceed its capacity limit. This complies with the transaction limits and compliance constraints of the payment network. For example, when the target amount is $50,000, the system automatically splits the amount into three sub-amounts of $20,000, $15,000, and $15,000, and allocates them to three different channels. It also generates clearing and settlement instructions and service level agreements for each sub-amount, ensuring that large transactions can still be completed under the single-channel limit.

[0051] In specific embodiments, the service level agreement (SLA) not only includes clearing and settlement instructions but also sets constraint parameters such as arrival time, cost limits, success rates, and compliance requirements for different channels and sub-amounts. When multiple channels meet the conditions, the system prioritizes the channel with the lowest cost and highest stability based on a comprehensive score. The SLA is used not only for initial path planning but also as a basis for dynamic monitoring during execution. When it is detected that the current channel fails to meet the preset service level requirements in terms of timeliness, cost, success rate, or compliance, the system will re-evaluate the comprehensive score of the backup channel. If the score advantage of the backup channel exceeds a set threshold and remains so for a certain period of time, the unsubmitted sub-amount will be switched to the backup channel for execution, thereby ensuring that the entire payment process meets the preset goals in terms of timeliness, cost, stability, and compliance.

[0052] S4: During payment execution, continuously monitor the channel status and dynamically update the comprehensive score. In response to the situation where the comprehensive score of the backup channel relative to the current channel increases by more than a preset percentage threshold and continues to exceed the preset holding time, or the timeout default probability of the current channel exceeds the preset threshold, trigger path adjustment, only replanning and switching are performed on unsubmitted or revocable sub-amounts, while maintaining the processing order of submitted sub-amounts.

[0053] In a specific embodiment, the triggering of path adjustment includes: when the comprehensive score of the backup channel... Overall score relative to the current channel The increase ratio meets And the duration is greater than the holding time. When this occurs, a path switch is triggered, where The value range is 1.0%–3.0%, with 1.5% being preferred, and the duration of maintenance is... The value range is 5–10 seconds, preferably 6 seconds. Simultaneously, the probability of timeout default for the current channel... Exceeding a threshold (e.g., 12%) will also trigger a switchover. Path adjustments only apply to sub-amounts that have not yet been submitted or have conditions for cancellation; submitted sub-amounts maintain their original order, and a globally unique idempotent identifier is appended to the instruction to avoid duplicate accounting. If the same sub-amount generates multiple instructions in multiple channels, only the first successfully executed instruction is entered into accounting, and the remaining instructions are marked as invalid and written to the audit log.

[0054] S5: After the clearing and settlement is completed, channel-level reconciliation and difference marking are performed, and the comprehensive score and path adjustment parameters are updated retrospectively based on the execution results.

[0055] In specific implementations, based on channel-level reconciliation discrepancies, the capacity parameters and compliance risk factors of each channel are adjusted. If a channel frequently experiences discrepancies or anomalies during reconciliation, its subsequent capacity limit and the weight of its overall score are reduced. Based on clearing and settlement time and settlement accuracy, the latency weight in the overall score is dynamically adjusted. Weighted by success rate Based on the actual triggering effect of path adjustment, the score increase threshold was revised. Duration of maintenance The range of values ​​for .

[0056] In a specific example, a user initiates a cross-border payment request of $30,000. The system splits the funds into three channels: Channel A allocates $15,000, Channel B allocates $10,000, and Channel C allocates $5,000, executing according to the initial comprehensive score. After clearing and settlement, the system reconciles the execution status of each channel one by one. It finds that the average arrival time for Channel A is 3 hours, significantly exceeding the expected 2-hour service level requirement, and discrepancies in the amount have occurred in the last three reconciliations, requiring manual compensation. The arrival time for Channel B is stable at around 1.5 hours, with a success rate of 98%. Channel C, however, experienced a 15% compliance interception rate due to increased regulation in the target region. During the retrospective update, the system automatically lowers the capacity limit of Channel A from $20,000 to $12,000 and weakens the impact of the latency weight γ in its comprehensive score, while increasing the success rate weight δ to highlight the advantages of Channel B. For Channel C, the system increases the compliance risk factor λ by 20%, significantly reducing its priority in future scores. At the same time, the system also adjusted the score improvement threshold based on the historical performance of path switching. Duration of maintenance ,Will The rate has been adjusted from 2.0% to 1.5%. The time limit has been reduced from 8 seconds to 6 seconds, allowing for more agile switching to backup channels in the future. Through these adjustments, the system will be more inclined to choose Channel B and more compliant alternative channels in the next round of trading, thereby reducing the risk of anomalies and improving the overall success rate.

[0057] This invention collects real-time status information from multiple channels to construct a comprehensive scoring model that takes into account exchange rates, transaction fees, latency, success rates, and compliance risks. In the initial path planning, the target amount is intelligently split in conjunction with the quota and compliance constraints. During payment execution, dynamic switching and idempotent control are implemented based on score changes and risk thresholds. After clearing and settlement, the scoring weights and switching parameters are retrospectively updated based on reconciliation differences and actual performance. This forms a closed-loop mechanism covering pre-planning, in-process monitoring, and post-optimization, achieving a comprehensive improvement in cross-border payments in terms of cost, efficiency, stability, and compliance.

[0058] Figure 3 This diagram illustrates a framework of a cross-border payment path selection system based on dynamic adjustment of payment channels, according to a specific embodiment of this application. The system includes a status acquisition unit 301, a scoring generation unit 302, a path planning unit 303, an execution monitoring unit 304, and a reconciliation and backtracking unit 305. The status acquisition unit 301 is configured to collect real-time status information of multiple cross-border payment channels, including exchange rates, transaction fees, arrival delays, success rates, channel capacity, and compliance risks. The scoring generation unit 302 is configured to generate a comprehensive score for each channel based on the real-time status information and transaction context, and to impose penalties for delay fluctuations and channel congestion. The path planning unit 303 is configured to generate an initial payment path plan, under the premise of meeting the single-channel limit and regional compliance constraints, splitting the target amount into at least two sub-amounts and allocating them to two or more channels, and generating corresponding clearing and settlement instructions and services for each sub-amount. The system defines service levels; the monitoring unit 304 is configured to continuously monitor channel status and dynamically update the comprehensive score during payment execution. In response to situations where the comprehensive score of the backup channel relative to the current channel increases by more than a preset percentage threshold and remains for more than a preset duration, or when the timeout default probability of the current channel exceeds a preset threshold, path adjustment is triggered. Replanning and switching are only performed on unsubmitted or revocable sub-amounts, while maintaining the processing order of submitted sub-amounts. The reconciliation and backtracking unit 305 is configured to perform channel-level reconciliation and difference marking after clearing and settlement, and to backtrack and update the comprehensive score and path adjustment parameters based on the execution results. Each unit of this system can perform the aforementioned actions. Figure 2 The specific steps of the method described in the text.

[0059] The following is for reference. Figure 4 It shows a schematic diagram of the structure of a computer system suitable for implementing the electronic device of the present application. Figure 4 The electronic device shown is merely an example and should not impose any limitation on the functionality and scope of use of the embodiments of this application.

[0060] like Figure 4 As shown, the computer system includes a central processing unit (CPU) 401, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 402 or programs loaded from storage section 408 into random access memory (RAM) 403. RAM 403 also stores various programs and data required for system operation. CPU 401, ROM 402, and RAM 403 are interconnected via bus 404. Input / output (I / O) interface 405 is also connected to bus 404.

[0061] The following components are connected to I / O interface 405: an input section 406 including a keyboard, mouse, etc.; an output section 407 including a liquid crystal display (LCD) and speakers, etc.; a storage section 408 including a hard disk, etc.; and a communication section 409 including a network interface card such as a LAN card and a modem, etc. The communication section 409 performs communication processing via a network such as the Internet. Drive 410 is also connected to I / O interface 405 as needed. Removable media 411, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., are installed on drive 410 as needed so that computer programs read from them can be installed into storage section 408 as needed.

[0062] Specifically, according to embodiments of this disclosure, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments of this disclosure include a computer program product comprising a computer program carried on a computer-readable storage medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 409, and / or installed from removable medium 411. When the computer program is executed by central processing unit (CPU) 401, it performs the functions defined in the methods of this application. It should be noted that the computer-readable storage medium of this application can be a computer-readable signal medium or a computer-readable storage medium or any combination thereof. The computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to: electrical connections having one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this application, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in connection with an instruction execution system, apparatus, or device. In this application, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable storage medium other than a computer-readable storage medium that can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. Program code contained on a computer-readable storage medium may be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0063] Computer program code for performing the operations of this application can be written in one or more programming languages ​​or a combination thereof. Programming languages ​​include object-oriented programming languages—such as Java, Smalltalk, and C++—as well as conventional procedural programming languages—such as the "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network—including a local area network (LAN) or a wide area network (WAN)—or can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0064] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0065] The modules described in the embodiments of this application can be implemented in software or in hardware.

[0066] In another aspect, this application also provides a computer-readable storage medium, which may be included in the electronic device described in the above embodiments; or it may exist independently and not assembled into the electronic device. The aforementioned computer-readable storage medium carries one or more programs, which, when executed by the electronic device, cause the electronic device to: collect real-time status information of multiple cross-border payment channels, including exchange rates, transaction fees, arrival delays, success rates, channel capacity, and compliance risks; generate a comprehensive score for each channel based on the real-time status information and transaction context, and impose penalties on delay fluctuations and channel congestion; and, under the premise of meeting the single-channel limit and regional compliance constraints, generate an initial payment path plan, splitting the target amount into at least two sub-amounts and allocating them to two or more channels. The system generates corresponding clearing and settlement instructions and service level agreements for each sub-amount. During payment execution, it continuously monitors the channel status and dynamically updates the comprehensive score. In response to situations where the comprehensive score of the backup channel relative to the current channel increases by more than a preset percentage threshold and remains for more than a preset duration, or when the timeout default probability of the current channel exceeds a preset threshold, it triggers path adjustment. It only performs replanning and switching on unsubmitted or revocable sub-amounts, while maintaining the processing order of submitted sub-amounts. After clearing and settlement is completed, it performs channel-level reconciliation and difference marking, and retrospectively updates the comprehensive score and path adjustment parameters based on the execution results.

[0067] The above description is merely a preferred embodiment of this application and an explanation of the technical principles employed. Those skilled in the art should understand that the scope of the invention involved in this application is not limited to technical solutions formed by specific combinations of the above-described technical features, but should also cover other technical solutions formed by arbitrary combinations of the above-described technical features or their equivalents without departing from the above-described inventive concept. For example, technical solutions formed by substituting the above features with (but not limited to) technical features with similar functions disclosed in this application.

Claims

1. A method for selecting cross-border payment paths based on dynamic adjustment of payment channels, characterized in that, include: S1: Collect real-time status information of multiple cross-border payment channels, including: exchange rate, handling fee, arrival delay, success rate, channel limit, and compliance risk; S2: Generate a comprehensive score for each channel based on the real-time status information and transaction context, and impose penalties on latency fluctuations and channel congestion; S3: Under the premise of meeting the single-channel limit and regional compliance constraints, generate an initial payment path plan, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount; S4: During payment execution, continuously monitor the channel status and dynamically update the overall score, responding to situations where the overall score of the backup channel relative to the current channel increases by more than a preset percentage threshold. If the timeout period continues for more than the preset duration, or if the probability of timeout default in the current channel exceeds the preset threshold, a path adjustment will be triggered. Only unsubmitted or revocable sub-amounts will be replanned and switched, while the processing order of submitted sub-amounts will be maintained. S5: After the clearing and settlement is completed, channel-level reconciliation and difference marking are performed, and the comprehensive score and path adjustment parameters are updated retrospectively based on the execution results; The comprehensive score in S2 is calculated as follows: Comprehensive Score ,in, To leverage the exchange rate advantage of the channel, Due to the advantage of transaction fees, For the advantage of latency, For the success rate, For compliance risks, The weighting coefficients are dynamically adjusted based on transaction amount, urgency of receipt, and compliance level. Weighting for exchange rate advantage For the sake of commission advantage weight, For latency advantage weighting, Weighted by success rate, Compliance risk weighting; The specific steps in step S2 involving penalizing latency fluctuations and channel congestion include: calculating the penalty term. ,in, For channel The time delay variance within the preset time window For channel Real-time utilization rate For congestion threshold, Let be the weight coefficient, and satisfy... The penalty item is derived from the overall score. Deduction from the middle; The path adjustment in S4 is specifically triggered when the comprehensive score of the backup channel is... Overall score relative to the current channel The increase ratio meets And the duration is greater than the holding time. When this occurs, a path switch is triggered, where The value range is 1.0%–3.0%, and the duration of retention is... The value range is 5–10 seconds; The specific retrospective update of S5 includes: adjusting the upper limit of each channel's credit limit and compliance risk weight based on channel-level reconciliation discrepancies. If a channel frequently experiences discrepancies or anomalies during reconciliation, the upper limit of its subsequent channels and the weight of the comprehensive score will be reduced. Based on clearing and settlement time and the accuracy of fund arrival, the latency weight in the comprehensive score will be dynamically adjusted. Weighted by success rate Based on the actual triggering effect of path adjustment, the preset percentage threshold is corrected. Duration of maintenance The range of values ​​for .

2. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 1, characterized in that, The weighting coefficient satisfies the following condition: it automatically increases in response to a transaction amount exceeding a preset threshold. and The value of is automatically increased in response to the increased urgency of receiving funds. The value of [value] is determined; in response to a compliance level exceeding a preset value, the [value] is automatically increased. The value of .

3. The cross-border payment path selection method based on dynamic adjustment of payment channels according to claim 2, characterized in that, The congestion threshold The value range is 70%–85%; in response to the channel utilization exceeding the congestion threshold. At that time, the penalty item Rapid increase.

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

5. A computer-readable storage medium having one or more computer programs stored thereon, characterized in that, When the one or more computer programs are executed by a computer processor, they perform the method according to any one of claims 1-4.

6. A cross-border payment path selection system based on dynamic adjustment of payment channels, characterized in that, include: Status acquisition unit: configured to collect real-time status information of multiple cross-border payment channels, including: exchange rate, transaction fee, arrival delay, success rate, channel limit, and compliance risk; Scoring generation unit: configured to generate a comprehensive score for each channel based on the real-time status information and transaction context, and to impose penalties on latency fluctuations and channel congestion; Path planning unit: Configured to generate an initial payment path plan under the premise of meeting the single channel limit and regional compliance constraints, split the target amount into at least two sub-amounts and allocate them to two or more channels, and generate corresponding clearing and settlement instructions and service level agreements for each sub-amount; Execution Monitoring Unit: Configured to continuously monitor channel status and dynamically update the overall score during payment execution, responding to situations where the overall score of the backup channel relative to the current channel increases by more than a preset percentage threshold. If the timeout period continues for more than the preset duration, or if the probability of timeout default in the current channel exceeds the preset threshold, a path adjustment will be triggered. Only unsubmitted or revocable sub-amounts will be replanned and switched, while the processing order of submitted sub-amounts will be maintained. Reconciliation Retrospective Unit: Configured to perform channel-level reconciliation and difference marking after clearing and settlement, and to retrospectively update the comprehensive score and path adjustment parameters based on the execution results; The calculation method for the comprehensive score in the score generation unit is as follows: Comprehensive Score ,in, To leverage the exchange rate advantage of the channel, Due to the advantage of transaction fees, For the advantage of latency, For the success rate, For compliance risks, The weighting coefficients are dynamically adjusted based on transaction amount, urgency of receipt, and compliance level. Weighting for exchange rate advantage For the sake of commission advantage weight, For latency advantage weighting, Weighted by success rate, Compliance risk weighting; The scoring generation unit specifically includes penalizing latency fluctuations and channel congestion by calculating penalty terms. ,in, For channel The time delay variance within the preset time window For channel Real-time utilization rate For congestion threshold, Let be the weight coefficient, and satisfy... The penalty item is derived from the overall score. Deduction from the middle; The triggering of path adjustment in the execution monitoring unit specifically includes: when the comprehensive score of the backup channel... Overall score relative to the current channel The increase ratio meets And the duration is greater than the holding time. When this occurs, a path switch is triggered, where The value range is 1.0%–3.0%, and the duration of retention is... The value range is 5–10 seconds; The retrospective update specifically includes: adjusting the credit limit and compliance risk weight for each channel based on channel-level reconciliation discrepancies. If a channel frequently experiences discrepancies or anomalies during reconciliation, the upper limit of its subsequent channels and the weight of the comprehensive score will be reduced. Based on clearing and settlement time and the accuracy of fund arrival, the latency weight in the comprehensive score will be dynamically adjusted. Weighted by success rate Based on the actual triggering effect of path adjustment, the preset percentage threshold is corrected. Duration of maintenance The range of values ​​for .

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