Cross-payment network transaction data processing method, device and system

By detecting trigger conditions and obtaining associated information at the payment terminal, and using a mapping table to process cross-payment network transaction data, the compatibility issues between different payment network systems are resolved, and efficient and convenient transaction data processing is achieved.

CN122089321APending Publication Date: 2026-05-26NETSUNION CLEARING CORP
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
NETSUNION CLEARING CORP
Filing Date
2024-11-26
Publication Date
2026-05-26

AI Technical Summary

Technical Problem

The incompatibility of transaction data processing between different payment network systems makes cross-payment network transactions difficult to achieve, and existing methods are costly and complex, making them difficult to implement.

Method used

The system obtains the target transaction code through the payment terminal, detects the triggering conditions, retrieves the associated information, and uses a mapping table to send the transaction data to the corresponding router for decoding and transaction data processing, thus avoiding direct parsing of different payment network systems.

Benefits of technology

It enables efficient and convenient processing of cross-payment network transactions, reduces the cost of modifying existing systems, and improves user experience.

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Abstract

The invention provides a cross-payment network transaction data processing method, device and system. Based on the method, after a payment terminal of a first payment network system responds to user operation and obtains a target transaction code related to a collection terminal of a second payment network system, whether a preset trigger condition is met currently can be detected firstly; when it is determined that a preset trigger condition is met currently, the target transaction code does not need to be analyzed and processed based on the first payment network system, and only the payment terminal needs to obtain target association information associated with the second payment network system; combining the target transaction code and the target associated information to obtain first transaction data; and forwarding the first transaction data to a second payment network system for processing through a server of a wallet mechanism and a first route. Therefore, the existing different payment network systems do not need to be greatly transformed, and cross-payment network transaction data processing can be efficiently and conveniently realized with low data processing cost.
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