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Routing matching payment method and device

A payment device and routing technology, applied in the field of communication, can solve the problem of low payment success rate, and achieve the effect of improving the success rate and timeliness, and ensuring stability

Inactive Publication Date: 2016-07-06
GUANGZHOU VIPSHOP NETWORK TECH
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The present invention provides a route matching payment method and device, aiming to solve the problem of low payment success rate in existing payment platforms

Method used

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  • Routing matching payment method and device
  • Routing matching payment method and device

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Embodiment Construction

[0046] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0047] The present invention provides a route matching payment method, such as figure 1 As shown, it shows a schematic flowchart of the first embodiment of the routing matching payment method of the present invention, and the routing matching payment method includes:

[0048] S10. When a payment request is received, according to the parameter type and parameter value of the first parameter in the payment request and the preset route matching mechanism based on the parameter type, search for a routing group that matches the parameter value;

[0049] Users can initiate a payment request to the payment platform through a browser or application software on a PC terminal (personal computer) or mobile terminal. The payment platform distinguishes the payment requests initiated by different users through the terminal by the ...

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Abstract

The invention discloses a routing matching payment method. The routing matching payment method comprises the steps of: when a payment request is received, finding a routing group matched with a parameter value according to a parameter type and the parameter value of a first parameter in the payment request and a preset route matching mechanism based on the parameter type; determining one target payment channel from payment channels included in a found routing group according to a specified parameter in the payment request, wherein the parameter type of one of the first parameter and the specified parameter is a bank to which the target payment channel belongs; sending a fee deduction request generated according to the payment request to a bank system corresponding to the target payment channel for fee deduction. The invention also discloses a routing matching payment device. According to the routing matching payment method and the routing matching payment device, a best matching payment channel is acquired for payment through routing matching and screening, thus the success rate of payment is improved.

Description

technical field [0001] The present invention relates to the field of communication technology, in particular to a routing matching payment method and device. Background technique [0002] One payment platform can access multiple payment channels, such as Guangzhou Bank of China Express Direct Channel, Beijing Bank of China Express Direct Channel, UnionPay Online (supporting Bank of China quick transactions), Quick Money Express (supporting Bank of China quick transactions). However, what a payment platform provides to a front-end application is a designated payment channel of a designated bank, such as the quick payment of the Bank of China. As a result, when the designated payment channel fails, it cannot be switched to other payment channels to continue the payment. As a result, there is a problem that the payment success rate is not high. [0003] The above content is only used to assist in understanding the technical solution of the present invention, and does not mean ...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/08
CPCG06Q20/027G06Q20/0855
Inventor 张海耿郑舟谢琴陈水莲张帆唐贵斌
Owner GUANGZHOU VIPSHOP NETWORK TECH
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