CN109615392A - Payment channel determines method and device - Google Patents
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- CN109615392A CN109615392A CN201910037986.2A CN201910037986A CN109615392A CN 109615392 A CN109615392 A CN 109615392A CN 201910037986 A CN201910037986 A CN 201910037986A CN 109615392 A CN109615392 A CN 109615392A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The present invention provides a kind of payment channel and determines method and device, is related to online payment technical field.The payment channel determines that method includes: according to payment instruction, payment information is obtained, judges whether payment information meets at least one pre-set preset rules, obtains judging result, according to judging result, determine target payment channel, it is available to meet the corresponding target payment channel of preset rules by judging that payment information meets preset rules, it is single to avoid pre-set unique fixed channel selecting in the related technology, if channel can not service, payment is caused to fail, the reliability of payment is low.It is screened by rule, screening meets the channel of payment information, improves the reliability of payment.
Description
Technical field
The present invention relates to online payment technical fields, determine method and device in particular to a kind of payment channel.
Background technique
During the receipt and payment of fund, it usually needs various payment companies access the direct-connected system of different banks, and payment is public
Department and the direct-connected system of bank can complete the receipt and payment of fund by payment channel.
In the related technology, when receiving payment instruction, the payment information carried in payment instruction is obtained, according to disbursement letter
Breath obtains pre-set unique fixed channel, completes to pay by the channel.
But pre-set unique fixed channel selecting is single, if pre-set unique fixed channel can not service
When, then failure is paid, so that the reliability of payment is low.
Summary of the invention
It is an object of the present invention in view of the deficiency of the prior art, provide a kind of payment channel determine method and
Device, to solve the problems, such as that payment reliability is low.
To achieve the above object, technical solution used in the embodiment of the present invention is as follows:
In a first aspect, the embodiment of the invention provides a kind of payment channels to determine method, comprising:
According to payment instruction, payment information is obtained, the payment information includes: funds transaction two-sided information, use of funds
Timeliness;
Judge whether the payment information meets at least one pre-set preset rules, obtains judging result;
According to the judging result, target payment channel is determined.
Further, described according to the judging result, determine target payment channel, comprising:
According to the judging result, determine that at least one meets the alternative channel of the preset rules;
According to the corresponding toll amount in each alternative channel, account time, limit and channel weight are arrived, described at least one
Alternative channel is ranked up, the alternative channel after being sorted;
The target payment channel is chosen from the alternative channel after the sequence.
Further, described according to the ranking results, determine the target payment channel, comprising:
From the alternative channel after the sequence, the alternative channel of predeterminated position is chosen as the target payment channel.
Further, described according to the judging result, after determining the target payment channel, the method is also wrapped
It includes:
According to the target payment channel, payment request is generated;
The payment request is sent to beneficiary by the target payment channel, the payment request is used to indicate described
Beneficiary receives the branch payment that payer is paid.
Further, the preset rules include at least one of following rules:
Payment amount number is greater than preset cost number;
It pays rate and is less than default payment rate;
It is less than to the account time and defaults to the account time;
Payment channel is in available mode.
Second aspect, the embodiment of the invention also provides a kind of payment channel determining devices, including described in first aspect
Payment channel determines method;Described device includes:
Module is obtained, for obtaining payment information, the payment information includes: funds transaction both sides according to payment instruction
Information, use of funds timeliness;
Judgment module is obtained for judging whether the payment information meets at least one pre-set preset rules
Judging result;
Determining module, for determining target payment channel according to the judging result.
Further, the determining module is specifically used for that it is described pre- to determine that at least one meets according to the judging result
If the alternative channel of rule;According to the corresponding toll amount in each alternative channel, account time, limit and channel weight are arrived, to extremely
A few alternative channel is ranked up, the alternative channel after being sorted;It is chosen from the alternative channel after the sequence
The target payment channel.
Further, the determining module chooses predeterminated position also particularly useful for from the alternative channel after the sequence
Alternative channel as the target payment channel.
Further, described device further include:
Generation module, for generating payment request according to the target payment channel;
Sending module, for sending the payment request to beneficiary by the target payment channel, the payment is asked
It asks and is used to indicate the branch payment that the beneficiary reception payer is paid.
Further, the preset rules include at least one of following rules:
Payment amount number is greater than preset cost number;
It pays rate and is less than default payment rate;
It is less than to the account time and defaults to the account time;
Payment channel is in available mode.
The beneficial effects of the present invention are:
In conclusion a kind of payment channel provided in an embodiment of the present invention determines method, according to payment instruction, payment is obtained
Information, judges whether payment information meets at least one pre-set preset rules, obtains judging result, is tied according to judgement
Fruit determines target payment channel, available to meet the corresponding mesh of preset rules by judging that payment information meets preset rules
Payment channel is marked, avoids that pre-set unique fixed channel selecting in the related technology is single, and the reliability of payment is low.Pass through
Judge whether payment information meets at least one pre-set preset rules, screening is carried out according to judging result and meets default rule
Payment channel then may finally determine target payment channel according to the selection result, improve the reliability of payment.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be understood that the following drawings illustrates only certain embodiments of the present invention, therefore is not construed as pair
The restriction of range for those of ordinary skill in the art without creative efforts, can also be according to this
A little attached drawings obtain other relevant attached drawings.
Fig. 1 is that a kind of payment channel provided by the invention determines system structure diagram;
Fig. 2 is the flow diagram that the payment channel that one embodiment of the invention provides determines method;
Fig. 3 is the flow diagram that the payment channel that one embodiment of the invention provides determines method;
Fig. 4 is the flow diagram that the payment channel that one embodiment of the invention provides determines method;
Fig. 5 is the schematic diagram for the payment channel determining device that one embodiment of the invention provides;
Fig. 6 is the schematic diagram for the payment channel determining device that one embodiment of the invention provides;
Fig. 7 is the schematic diagram for the payment channel determining device that one embodiment of the invention provides.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.
Fig. 1 is that a kind of payment channel provided by the invention determines system structure diagram;As shown in Figure 1, the system can be with
It include: first terminal 101, gateway 102 and second terminal 103, first terminal 101 is connect with gateway 102, gateway 102 and second
Terminal 103 connects.
Specifically, gateway 102 can detecte payment instruction, if detecting the payment instruction that first terminal 101 is sent, net
The payment information closed in 102 available payment instructions judges payment information according to the preset rules being stored in gateway 102
Whether meet at least one pre-set preset rules, obtain judging result, from the corresponding multiple payment channels of judging result
In, target payment channel can be chosen.
Wherein, the payment information in payment instruction may include: the letter such as funds transaction two-sided information, use of funds timeliness
Breath, can be filtered payment information by preset rules, obtain multiple satisfactory alternative channels, can be multiple standby
Gate selection target payment channel in road.
After determining target payment channel, payment request, gateway 102 is can be generated according to target payment channel in gateway 102
Payment request is sent to second terminal 103, so as to complete delivery operation after second terminal 103 receives payment request.
Fig. 2 is the flow diagram that the payment channel that one embodiment of the invention provides determines method, is applied to as shown in Figure 1
Gateway, as shown in Fig. 2, this method comprises:
Step 201, according to payment instruction, obtain payment information.
Specifically, the payment instruction that gateway can send first terminal detects, when detecting payment instruction, net
Pass can receive payment instruction, the payment information carried in payment instruction be obtained, so that in the next steps, gateway can basis
Payment information and preset rules complete the determination of target payment channel.
It should be noted that payment information includes: funds transaction two-sided information, use of funds timeliness.Funds transaction is double
Square information can be the gathering customer information of the payment client and fund of fund, and use of funds timeliness can be fund to account institute
The time needed, payment information can also be other fund relevant informations, and it is not limited in the embodiment of the present invention.
Step 202 judges whether payment information meets at least one pre-set preset rules, obtains judging result.
Wherein, preset rules include at least one of following rules: payment amount number is greater than preset cost number;Branch
Payment rate is less than default payment rate;It is less than to the account time and defaults to the account time;Payment channel is in available mode.
Further, payment rate, which can be, completes cost required for payment, such as: the expense that inter-bank is paid needed for transferring accounts
With.Payment channel be in available mode can be payment channel be in state can be used.Preset rules can also be certificate class
Whether type is consistent with default type of credential, whether the time of spending money is with pre-set time consistency of spending money etc., can also be other
Correlation payment preset rules, it is not limited in the embodiment of the present invention.
Specifically, gateway is according to payment instruction, and after obtaining payment information, gateway can be according to pre-set at least one
A preset rules, judge whether payment information meets pre-set preset rules, by preset rules to the mistake of payment information
Screen choosing is being judged as a result, gateway can determine target payment channel according to judging result so as in subsequent step.
Such as: it can be 40,000 yuan in payment information, be 1 hour to the account time, gateway then may determine that in preset rules
Payment amount number whether be greater than preset cost number, whether be less than to the account time and default to the account time and judged, if in advance
If the number of the amount of money is 30,000 yuan, it is 10 minutes to the account time, then the payment amount in payment information and can expires to the account time
Sufficient preset rules.
Step 203, according to judging result, determine target payment channel.
Specifically, according to judging result, available multiple channels for meeting preset rules meet default rule according to multiple
Channel then is selected, and selection obtains optimal channel, using optimal channel as target payment channel.
Such as: the channel, no of receipt and payment both sides' Account Type can not met according to preset rules filtering by payment information
Meet the payment channel of currency type, the payment channel for not meeting runing time, the payment channel for not meeting the time of spending money, meet limit
The payment channel of volume, the payment channel for not meeting type of credential do not meet the payment channel more than the maximum charge amount of money, obtain more
A satisfactory payment channel, by multiple satisfactory payment channels can first according to multiple toll amounts from small to large
Sequence is ranked up, and obtains first time ranked payoff channel, and by first time ranked payoff channel according to channel weight from greatly to
Small sequence is ranked up, and obtains second of ranked payoff channel, then by second of ranked payoff channel according to the account time from
It is small to be ranked up to big sequence, third time ranked payoff channel is obtained, finally by third time ranked payoff channel according to channel
The sequence of the top limit of permission from big to small is ranked up, and obtains the 4th ranked payoff channel, thus by the 4th sequence
First channel sorted in payment channel is as target payment channel.
It should be noted that preset rules can be a screening conditions of selector channel, screens out and be unsatisfactory for requirement
Channel obtains target payment channel.
In conclusion a kind of payment channel provided in an embodiment of the present invention determines method, according to payment instruction, payment is obtained
Information, judges whether payment information meets at least one pre-set preset rules, obtains judging result, is tied according to judgement
Fruit determines target payment channel, available to meet the corresponding mesh of preset rules by judging that payment information meets preset rules
Payment channel is marked, avoids that pre-set unique fixed channel selecting in the related technology is single, and the reliability of payment is low.Pass through
Judge whether payment information meets at least one pre-set preset rules, screening is carried out according to judging result and meets default rule
Payment channel then may finally determine target payment channel according to the selection result, improve the reliability of payment.
Fig. 3 be another embodiment of the present invention provides payment channel determine the flow diagram of method, as shown in figure 3, should
Method includes:
Step 301, according to payment instruction, obtain payment information.
Wherein, payment information includes: funds transaction two-sided information, use of funds timeliness.
Step 302 judges whether payment information meets at least one pre-set preset rules, obtains judging result.
The step of step 301 is to process and the step 201 of step 302 to 202 is similar, and details are not described herein.
Step 303, according to judging result, determine target payment channel.
Specifically, the detailed process of step 303, is described in detail as follows with reference to Fig. 4:
Step 3031, according to judging result, determine that at least one meets the alternative channel of preset rules.
Specifically, if judging result instruction payment information meets preset rules, the available preset rules that meet are corresponded to
Multiple alternative channels, if judging result instruction be unsatisfactory for preset rules, may indicate that corresponding payment channel in judging result
It is undesirable, undesirable payment channel can be filtered out.
Such as: if payment amount number is 30,000 yuan, preset cost number can be 20,000 yuan in preset rules, payment amount
Number is greater than preset cost number, then payment amount number is greater than the corresponding channel of preset cost number, can be used as alternative
Channel.
Specification is needed, there are corresponding quota limit, timeliness, rate etc. in each channel, can according to judging result
To determine the channel met the requirements in multiple channels.Each information in payment information can be screened by rule
Obtain corresponding alternative channel.It can be multiple, multiple alternative channels according to the alternative channel that judging result screening passage determines
It meets the requirements simultaneously.
Step 3032, arrives account time, limit and channel weight at the corresponding toll amount in each alternative channel of basis, to extremely
A few alternative channel is ranked up, the alternative channel after being sorted.
Since there is the toll amount in the channel in, each channel, to letter corresponding to account time, limit and channel weight
Each alternative channel, can be ranked up by breath according to these information, so that in subsequent step, gateway can be tied according to sequence
Fruit determines target payment channel.
Specifically, after obtaining multiple alternative channels, according to the toll amount in multiple alternative channels, account time, limit are arrived
It is ranked up with channel weight, the alternative channel after available sequence can be selected according to the alternative channel after sequence
Target payment channel.
It should be noted that being ranked up by toll amount, to account time, limit and channel weight, can also pass through
Other relevant informations are ranked up, and it is not limited in the embodiment of the present invention.
Step 3033 chooses target payment channel from the alternative channel after sequence.
Specifically, target payment information can be chosen from the alternative channel after sequence, specifically detailed step, description
It is as follows:
Optionally, from the alternative channel after sequence, the alternative channel of predeterminated position is chosen as target payment channel.
Wherein, predeterminated position can be first position and be also possible to the last one position, be determined according to ascending order or descending
It is fixed.
Specifically, it according to the alternative channel after sequence, can be selected, be chosen default from the alternative channel after sequence
The alternative channel of predeterminated position can be used as target payment channel by the alternative channel of position.
Step 304, according to target payment channel, generate payment request.
Specifically, it is determined that after target payment channel, it can be according to the funds transaction two-sided information in payment information, fund
The information such as Use Limitation, and the target payment channel determined, can be generated payment request, can be with so as in subsequent step
Payment request is sent to beneficiary by target payment channel.
Step 305 sends payment request to beneficiary by target payment channel.
Wherein, payment request is used to indicate beneficiary and receives the branch payment that payer is paid.
Specifically, gateway can send out the payment request of generation by determining target payment channel to beneficiary
Payment request is sent, beneficiary can be made to receive the branch payment that payer is paid, complete delivery operation.
In conclusion a kind of payment channel provided in an embodiment of the present invention determines method, according to payment instruction, payment is obtained
Information, judges whether payment information meets at least one pre-set preset rules, obtains judging result, is tied according to judgement
Fruit determines target payment channel, available to meet the corresponding mesh of preset rules by judging that payment information meets preset rules
Payment channel is marked, avoids that pre-set unique fixed channel selecting in the related technology is single, and the reliability of payment is low.Pass through
Judge whether payment information meets at least one pre-set preset rules, screening is carried out according to judging result and meets default rule
Payment channel then may finally determine target payment channel according to the selection result, improve the reliability of payment.
Further, according to judging result, determine that at least one meets the alternative channel of preset rules, according to each alternative
The corresponding toll amount in channel arrives account time, limit and channel weight, is ranked up, is arranged at least one alternative channel
The alternative channel of predeterminated position is chosen as target payment channel, root from the alternative channel after sequence in alternative channel after sequence
According to target payment channel, payment request is generated, payment request is sent to beneficiary by target payment channel.To multiple alternative logical
Road is ranked up, and can quick and precisely be determined target payment channel according to predeterminated position, be increased determining target payment channel
Efficiency and accuracy.
Fig. 5 is the schematic diagram for the payment channel determining device that one embodiment of the invention provides, as shown in figure 5, the device has
Body includes:
Module 501 is obtained, for obtaining payment information according to payment instruction, payment information includes: funds transaction both sides letter
Breath, use of funds timeliness;
Judgment module 502 is sentenced for judging whether payment information meets at least one pre-set preset rules
Disconnected result;
Determining module 503, for determining target payment channel according to judging result.
Optionally, determining module 503 are specifically used for determining that at least one meets the standby of preset rules according to judging result
Gate road;According to the corresponding toll amount in each alternative channel, account time, limit and channel weight are arrived, it is alternative at least one
Channel is ranked up, the alternative channel after being sorted;Target payment channel is chosen from the alternative channel after sequence.
Optionally, the alternative of predeterminated position is chosen also particularly useful for from the alternative channel after sequence in determining module 503
Channel is as target payment channel.
Optionally, with reference to Fig. 6, device further include:
Generation module 504, for generating payment request according to target payment channel;
Sending module 505, for sending payment request to beneficiary by target payment channel, payment request is used to indicate
Beneficiary receives the branch payment that payer is paid.
Optionally, preset rules include at least one of following rules: payment amount number is greater than preset cost number;
It pays rate and is less than default payment rate;It is less than to the account time and defaults to the account time;Payment channel is in available mode.
In conclusion a kind of payment channel determining device provided in an embodiment of the present invention obtains payment according to payment instruction
Information, judges whether payment information meets at least one pre-set preset rules, obtains judging result, is tied according to judgement
Fruit determines target payment channel, available to meet the corresponding mesh of preset rules by judging that payment information meets preset rules
Payment channel is marked, avoids that pre-set unique fixed channel selecting in the related technology is single, and the reliability of payment is low.Pass through
Judge whether payment information meets at least one pre-set preset rules, screening is carried out according to judging result and meets rule
Payment channel may finally determine target payment channel according to the selection result, improve the reliability of payment.
The method that above-mentioned apparatus is used to execute previous embodiment offer, it is similar that the realization principle and technical effect are similar, herein not
It repeats again.
The above module can be arranged to implement one or more integrated circuits of above method, such as: one
Or multiple specific integrated circuits (Application Specific Integrated Circuit, abbreviation ASIC), or, one
Or multi-microprocessor (digital singnal processor, abbreviation DSP), or, one or more field programmable gate
Array (Field Programmable Gate Array, abbreviation FPGA) etc..For another example, when some above module passes through processing elements
When the form of part scheduler program code is realized, which can be general processor, such as central processing unit (Central
Processing Unit, abbreviation CPU) or it is other can be with the processor of caller code.For another example, these modules can integrate
Together, it is realized in the form of system on chip (system-on-a-chip, abbreviation SOC).
Fig. 7 is the schematic diagram for the payment channel determining device that one embodiment of the invention provides, which can integrate in end
The chip of end equipment or terminal device, which, which can be, has the calculating equipment that payment channel determines function.
The device includes: memory 701, processor 702.
Memory 701 is for storing program, the program that processor 702 calls memory 701 to store, to execute the above method
Embodiment.Specific implementation is similar with technical effect, and which is not described herein again.
Optionally, the present invention also provides a kind of program product, such as computer readable storage medium, including program, the journeys
Sequence is when being executed by processor for executing above method embodiment.
In several embodiments provided by the present invention, it should be understood that disclosed device and method can pass through it
Its mode is realized.For example, the apparatus embodiments described above are merely exemplary, for example, the division of the unit, only
Only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components can be tied
Another system is closed or is desirably integrated into, or some features can be ignored or not executed.Another point, it is shown or discussed
Mutual coupling, direct-coupling or communication connection can be through some interfaces, the INDIRECT COUPLING or logical of device or unit
Letter connection can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one
In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) or processor (English: processor) execute this hair
The part steps of bright each embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory
(English: Read-Only Memory, abbreviation: ROM), random access memory (English: Random Access Memory, letter
Claim: RAM), the various media that can store program code such as magnetic or disk.
Upper is only the specific embodiment of the application, but the protection scope of the application is not limited thereto, any to be familiar with sheet
Those skilled in the art within the technical scope of the present application, can easily think of the change or the replacement, and should all cover at this
Within the protection scope of application.Therefore, the protection scope of the application should be subject to the protection scope in claims.
Claims (10)
1. a kind of payment channel determines method, which is characterized in that the described method includes:
According to payment instruction, payment information is obtained, the payment information includes: funds transaction two-sided information, use of funds timeliness
Property;
Judge whether the payment information meets at least one pre-set preset rules, obtains judging result;
According to the judging result, target payment channel is determined.
2. the method as described in claim 1, which is characterized in that it is described that target payment channel is determined according to the judging result,
Include:
According to the judging result, determine that at least one meets the alternative channel of the preset rules;
According to the corresponding toll amount in each alternative channel, account time, limit and channel weight are arrived, it is described alternative at least one
Channel is ranked up, the alternative channel after being sorted;
The target payment channel is chosen from the alternative channel after the sequence.
3. method according to claim 2, which is characterized in that it is described according to the ranking results, determine the target payment
Channel, comprising:
From the alternative channel after the sequence, the alternative channel of predeterminated position is chosen as the target payment channel.
4. the method as described in claim 1, which is characterized in that described according to the judging result, determine the target branch
After paying channel, the method also includes:
According to the target payment channel, payment request is generated;
The payment request is sent to beneficiary by the target payment channel, the payment request is used to indicate the gathering
Side receives the branch payment that payer is paid.
5. the method as described in claim 1-4 is any, which is characterized in that the preset rules include it is following rule at least
It is a kind of:
Payment amount number is greater than preset cost number;
It pays rate and is less than default payment rate;
It is less than to the account time and defaults to the account time;
Payment channel is in available mode.
6. a kind of payment channel determining device, which is characterized in that described device includes:
Obtain module, for according to payment instruction, obtaining payment information, the payment information include: funds transaction two-sided information,
Use of funds timeliness;
Judgment module is judged for judging whether the payment information meets at least one pre-set preset rules
As a result;
Determining module, for determining target payment channel according to the judging result.
7. device as claimed in claim 6, which is characterized in that the determining module is specifically used for according to the judging result,
Determine that at least one meets the alternative channel of the preset rules;According to the corresponding toll amount in each alternative channel, to account when
Between, limit and channel weight, at least one described alternative channel is ranked up, the alternative channel after being sorted;From described
The target payment channel is chosen in alternative channel after sequence.
8. device as claimed in claim 7, which is characterized in that the determining module, also particularly useful for after the sequence
In alternative channel, the alternative channel of predeterminated position is chosen as the target payment channel.
9. device as claimed in claim 6, which is characterized in that described device further include:
Generation module, for generating payment request according to the target payment channel;
Sending module, for sending the payment request to beneficiary by the target payment channel, the payment request is used
In the branch payment for indicating that the beneficiary reception payer is paid.
10. the device as described in claim 6-9 is any, which is characterized in that the preset rules include it is following rule in extremely
Few one kind:
Payment amount number is greater than preset cost number;
It pays rate and is less than default payment rate;
It is less than to the account time and defaults to the account time;
Payment channel is in available mode.
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CN110675264A (en) * | 2019-09-29 | 2020-01-10 | 神州数码融信软件有限公司 | Payment routing track dynamic display method |
CN111144854A (en) * | 2019-12-06 | 2020-05-12 | 北京中交兴路信息科技有限公司 | Distributed intelligent payment routing method and system |
WO2022271096A3 (en) * | 2021-06-24 | 2023-03-02 | Gp Network Asia Pte. Ltd. | A communications server, a method, a user device and a payment gateway |
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CN107169756A (en) * | 2017-05-10 | 2017-09-15 | 北京凤凰理理它信息技术有限公司 | Payment channel distribution method, device, storage medium and payment route system |
CN107705118A (en) * | 2017-09-19 | 2018-02-16 | 深圳金融电子结算中心有限公司 | Transaction payment method, system, server and storage medium based on channel route |
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CN111144854A (en) * | 2019-12-06 | 2020-05-12 | 北京中交兴路信息科技有限公司 | Distributed intelligent payment routing method and system |
WO2022271096A3 (en) * | 2021-06-24 | 2023-03-02 | Gp Network Asia Pte. Ltd. | A communications server, a method, a user device and a payment gateway |
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