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Payment routing system and method

A routing and external system technology, applied in the payment field, to improve payment stability, save payment costs, and liberate human resources

Inactive Publication Date: 2016-11-16
CTRIP COMP TECH SHANGHAI
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The technical problem to be solved by the present invention is to overcome the disadvantages in the prior art that a set of payment methods can only be used by one merchant, and the bank only supports one channel under one payment method, minimize manual intervention, keep the continuous availability of the payment system, and provide A reusable payment method and a payment routing system and method for intelligently and automatically selecting payment channels in the case of multiple bank channels

Method used

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  • Payment routing system and method
  • Payment routing system and method

Examples

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Embodiment

[0056] A payment routing system such as figure 1 As shown, the payment routing system includes: a configuration module ( figure 1 not shown in ), the timed publisher ( figure 1 not shown), an interface module 101 , a pre-processing module 102 , a guide rule processor 103 , a channel rule processor 104 , a routing calculation engine 105 and a post-processing module 106 .

[0057] The configuration module is used to configure the payment brand, guidance rules, channel information and routing rules, and modify the configured payment brand, guidance rules, channel information and routing rules. Each payment brand corresponds to one or more guidance rules. Among them, the configuration module is the basis for the operation of the payment routing system, and it is also the entrance of human-computer interaction. All minimum manual intervention is carried out here. Decision makers can configure payment brands, guidance rules, channel information, and routing rules here. figure 2 S...

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Abstract

The invention discloses a payment routing system and method. The payment routing system comprises a configuration module used for configuring payment brands, a guide rule, channel information and a routing rule, a guide rule processor used for generating a brand list that comprises at least one first payment brand, a channel rule processor used for determining at least one optimal channel and marking the payment brands corresponding to the optimal channels as second payment brands, and a routing calculation engine used for searching for the same payment brands in the first and second payment brands, marking the same payment brands as third payment brands and enabling optimal channels corresponding to the third payment brands in the channel rule processor to correspond to the third payment brands in the brand list. According to the payment routing system and method, the disadvantages that a set of payment modes only can be used by a merchant and a bank only supports a channel in a payment mode in the prior art are overcome, manual intervention can be reduced as far as possible, and continuous use of a payment system is kept.

Description

technical field [0001] The invention relates to the field of payment, in particular to a payment routing system and method. Background technique [0002] In the current payment scenario, different merchants need to support different payment methods, each payment method has multiple banks, and each bank has multiple payment channels. In the existing system, a merchant can only configure a set of payment method lists, and a fixed number of banks, and a bank can only support one payment channel. When the channel cuts time or is temporarily maintained, the bank card cannot be used for payment, and manual adjustment is required. Only when the bank is switched to other available channels can the bank card continue to be used for payment. The unavailable channel during this period will indirectly cause customer loss . At the same time, due to the disadvantages of a single channel, when connecting to a new channel with a lower rate, it is also necessary to manually switch each ban...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/08
CPCG06Q20/027G06Q20/0855
Inventor 蒋荣轩俞晶连杰鑫陆费汉平宓咏周毅王伟
Owner CTRIP COMP TECH SHANGHAI
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