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Calculating method and device for payment route

A calculation method and path technology, applied in the field of payment path calculation method and device, can solve the problem of low WeChat payment rate, achieve high success rate, reduce operating costs, and low cost

Inactive Publication Date: 2015-12-30
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

If a user has always chosen to use WeChat to pay, then among the existing payment methods, JD.com shows the user WeChat payment, and JD.com also pays to the WeChat platform, regardless of whether WeChat payment is more efficient for the company’s users. High, faster timeliness, is the company’s WeChat payment rate the lowest?

Method used

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  • Calculating method and device for payment route
  • Calculating method and device for payment route
  • Calculating method and device for payment route

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Embodiment Construction

[0032] In order to make the technical problems, technical solutions and beneficial effects solved by the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0033] The present invention provides a payment path calculation method in an embodiment, such as figure 1 As shown, the calculation method includes the following steps:

[0034] Step S01, when receiving the payment request from the user, acquire the account authentication information of the transaction account. Among them, the account authentication information is the user's card authentication information. The user's card authentication is divided into two types: online authentication and offline authentication. Authentication means that the user goes to a relevant p...

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PUM

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Abstract

The invention provides a calculating method and device for a payment route. The calculating method comprises the following steps that when the number of available payment routes is larger than 1, a handling charge, the time for funds to an account and the success rate of each available payment route are calculated according to a payment request of a user; a route strategy corresponding to an application channel is acquired, the payment route which is optimal in the rank is selected from the available payment routes according to the corresponding route strategy and the handling charge, the time for the funds to the account and the success rate of each available payment route to serve as the optimal payment route and cached. According to the calculating method for the payment route, the payment efficiency is higher, the success rate is higher, and meanwhile the requirements of the user can also be met.

Description

technical field [0001] The invention relates to the technical field of payment, in particular to a method and device for calculating a payment path. Background technique [0002] In the existing payment methods, when users pay in different companies, the company shows the historical payment method to the user based on the user's habits, and the company only selects the historical payment method based on the habit when paying, and it is not clear which payment methods are most efficient for the company's users Higher, faster timeliness, and at the same time, for the company, the payment rate is the lowest. For example, when a user buys something on JD.com, they can choose different payment channels such as JD.com payment, Alipay payment, WeChat payment, online banking payment, etc., and JD.com must pay these third-party payment platforms accordingly. Alipay may be connected to 100 banks, WeChat is connected to 50 banks, and JD Pay is connected to 5 banks. The payment speed o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06Q20/22
CPCG06Q20/027G06Q20/22
Inventor 林宙刘英龚凌王峰孙雄谭智文
Owner PING AN TECH (SHENZHEN) CO LTD
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