CN110245926A - A kind of realization system, the method and device of distributed intelligence payment routing - Google Patents
A kind of realization system, the method and device of distributed intelligence payment routing Download PDFInfo
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- CN110245926A CN110245926A CN201910515303.XA CN201910515303A CN110245926A CN 110245926 A CN110245926 A CN 110245926A CN 201910515303 A CN201910515303 A CN 201910515303A CN 110245926 A CN110245926 A CN 110245926A
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention discloses realization system, the method and devices of a kind of payment routing of distributed intelligence, its method includes, the first payment request that business platform is sent is received, the first payment request includes that payment amount information, platform payment policy information and user pay policy information；Policy information, which is paid, according to payment amount information, platform payment policy information and user determines preferred channel of disbursement information and alternative channel of disbursement information；The second payment request is sent to channel module, the second payment request includes payment amount information and preferred channel of disbursement information；After receiving the first payment failure notification of channel module transmission, third payment request is sent to channel module, third payment request includes payment amount information and alternative channel of disbursement information；The the firstth payment success notification or the second payment success notification that channel module is sent are received, and forwards the first payment success notification or the second payment success notification to business platform.The application can simplify payment process, improve user experience.
Description
Technical field
The invention belongs to payment technology field, in particular to a kind of realization system, the method for distributed intelligence payment routing
And device.
Background technique
As the development of e-commerce is, it can be achieved that the channel of disbursement of payment has very much.In the prior art, user is propping up
Fu Shi, payment automatically selects a kind of channel of disbursement every time, if channel payment failure, needs user to reselect payment manually
Channel, process is cumbersome, and payment experience is bad.
Summary of the invention
The first technical problem to be solved by the present invention is to provide a kind of realization system of distributed intelligence payment routing, from
Two kinds of channels of dynamic selection, simplify payment process.
In order to solve the above-mentioned technical problem, embodiments herein provides a kind of realization of distributed intelligence payment routing
System comprising: business platform, payment routing module and channel module；
The business platform sends the first payment request for triggering according to user to the payment routing module, described
First payment request includes that payment amount information, platform payment policy information and user pay policy information；
The payment routing module, for receiving first payment request, according to the payment amount information, platform branch
It pays policy information and user pays policy information and determines preferred channel of disbursement information and alternative channel of disbursement information, Xiang Suoshu channel
Module sends the second payment request, and second payment request includes the payment amount information and the preferred channel of disbursement letter
Breath, after receiving the first payment failure notification that the channel module is sent, Xiang Suoshu channel module sends third payment and asks
It asks, the third payment request includes the payment amount information and the alternative channel of disbursement information, receives the channel mould
Block send first payment success notification or second payment success notification, and to the business platform forwarding it is described first payment at
Function notice or the second payment success notification；
The channel module receives second payment request, determines the preferred channel of disbursement information corresponding first
Channel of disbursement is completed to pay, if first channel of disbursement is paid successfully, to the payment by first channel of disbursement
Routing module sends the first payment success notification, if first channel of disbursement payment failure, to the payment routing module
The first payment failure notification is sent, the first payment success notification and the first payment failure notification include the preferred branch
Channel information is paid, the third payment request is received, determines corresponding second channel of disbursement of the alternative channel of disbursement information, is led to
It crosses second channel of disbursement and completes payment, if second channel of disbursement is paid successfully, sent out to the payment routing module
The second payment success notification is sent, if second channel of disbursement payment failure, sends second to the payment routing module
Failure notification is paid, the second payment success notification and the second payment failure notification include the alternative channel of disbursement letter
Breath.
Optionally, the payment routing module includes authenticating unit, and first payment request further includes user identity letter
Breath and key information；
The authenticating unit, for being tested according to the subscriber identity information and the key information user identity
Card.
Optionally, the business platform includes that user pays strategy setting unit；
The payment strategy setting unit, for receiving the terms of payment of user's input and paying priority, and according to
The payment priority is ranked up the terms of payment, generates user and pays strategy.
Optionally, the terms of payment include payment limit, payment rate and payment success rate.
Optionally, the business platform includes platform payment strategy generating unit；
The platform pays strategy generating unit, for the information based on the gathering affiliated platform of object, generating platform payment
Strategy.
Optionally, the affiliated platform of affiliated gathering object includes third party's electric business platform and internet financial platform.
Embodiments herein additionally provides a kind of implementation method of distributed intelligence payment routing comprising following step
Suddenly,
The first payment request that business platform is sent is received, first payment request includes payment amount information, platform
It pays policy information and user pays policy information；
Policy information, which is paid, according to the payment amount information, platform payment policy information and user determines preferred payment canal
Road information and alternative channel of disbursement information；
The second payment request is sent to channel module, second payment request includes the payment amount information and described
Preferred channel of disbursement information；
After receiving the first payment failure notification that the channel module is sent, Xiang Suoshu channel module sends third branch
Request is paid, the third payment request includes the payment amount information and the alternative channel of disbursement information；
Receive the first payment success notification or the second payment success notification that the channel module is sent, and to the business
The platform forwarding first payment success notification or the second payment success notification.
Optionally, first payment request further includes subscriber identity information and key information；Described according to the branch
Amount information, platform payment policy information and user is paid to pay the determining preferred channel of disbursement information of policy information and alternatively pay canal
Before road information, further include,
User identity is verified according to the subscriber identity information and the key information.
Embodiments herein additionally provides a kind of distributed intelligence payment route device, and it includes,
Receiving module, is used to receive the first payment request of business platform transmission, and first payment request includes branch
It pays amount information, platform payment policy information and user and pays policy information；
Determining module is used to pay strategy letter according to the payment amount information, platform payment policy information and user
Breath determines preferred channel of disbursement information and alternative channel of disbursement information；
First sending module is used to send the second payment request to channel module, and second payment request includes institute
State payment amount information and the preferred channel of disbursement information；
Second sending module is used for after receiving the first payment failure notification that the channel module is sent, to institute
It states channel module and sends third payment request, the third payment request includes the payment amount information and the alternative payment
Channel information；
Forwarding module is used to receive the first payment success notification that the channel module is sent or second pays and successfully lead to
Know, and pays success notification to the business platform forwarding first payment success notification or described second；
Optionally, first payment request further includes subscriber identity information and key information；Described device further includes mirror
Module is weighed,
The authentication module, for being tested according to the subscriber identity information and the key information user identity
Card.
Compared with prior art, one or more embodiments in above scheme can have following advantage or beneficial to effect
Fruit:
Technical scheme, according to the pre-set Channel Selection strategy of user, automatically selects two in payment process
Kind channel can choose another channel of disbursement automatically and be paid, reduce user and reselect after a kind of failure of channel of disbursement
The probability of channel of disbursement, simplifies payment process on the whole, brings convenience to user.
Other advantages, target and feature of the invention will be illustrated in the following description to a certain extent, and
And to a certain extent, based on will be apparent to those skilled in the art to investigating hereafter, Huo Zheke
To be instructed from the practice of the present invention.Target and other advantages of the invention can be wanted by following specification, right
Specifically noted structure is sought in book and attached drawing to be achieved and obtained.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is the composition schematic diagram of the realization system of distributed intelligence payment routing according to an embodiment of the invention；
Fig. 2 is the composition schematic diagram of the realization system of distributed intelligence payment routing according to another embodiment of the present invention；
Fig. 3 is the flow diagram of the implementation method of distributed intelligence payment routing according to an embodiment of the invention；
Fig. 4 is the composition schematic diagram of distributed intelligence payment route device according to an embodiment of the invention.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, technical solution of the present invention will be carried out below
Detailed description.Obviously, described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, those of ordinary skill in the art are obtained all without making creative work
Other embodiment belongs to the range that the present invention is protected.
Fig. 1 is the composition schematic diagram of the realization system of the distributed intelligence payment routing of one embodiment of the invention.
As shown in Figure 1, the distributed intelligence in one embodiment of the application pays route implementing system comprising, business is flat
Platform 100, payment routing module 200 and channel module 300；
Business platform 100 sends the first payment request for triggering according to user to payment routing module, and the first payment is asked
It asks and pays policy information comprising payment amount information, platform payment policy information and user；
Routing module 200 is paid, for receiving the first payment request, is believed according to the payment amount in the first payment request
Breath, platform payment policy information and user pay policy information and determine preferred channel of disbursement information and alternative channel of disbursement information,
The second payment request is sent to channel module 300, the second payment request includes payment amount information and the preferred channel of disbursement
Information sends third payment to channel module 300 and asks after receiving the first payment failure notification of the transmission of channel module 300
It asks, third payment request includes payment amount information and alternative channel of disbursement information, receives first that channel module 300 is sent
Pay success notification or the second payment success notification, and to the forwarding of business platform 100 first payment success notification or second described
Pay success notification；
Channel module 300 receives the second payment request, according to the preferred channel of disbursement information in the second payment request, really
Determine corresponding first channel of disbursement of first choice channel of disbursement information, completes to pay by the first channel of disbursement, if the first channel of disbursement
It pays successfully, then sends the first payment success notification to payment routing module 200, if the payment failure of the first channel of disbursement, to
It pays routing module 200 and sends the first payment failure notification, the first payment success notification and the first payment failure notification include head
Channel of disbursement information is selected, the third payment request that payment routing module 200 is sent is received, determines that alternative channel of disbursement information is corresponding
The second channel of disbursement, by the second channel of disbursement complete pay, if the second channel of disbursement pay successfully, to pay routing mould
Block sends the second payment success notification, if the payment failure of the second channel of disbursement, sends the second payment to payment routing module and loses
Notice is lost, the second payment success notification and the second payment failure notification include alternative channel of disbursement information.
In addition, it should be noted that, when channel module 300 by channel of disbursement determined by alternative channel of disbursement information into
When row payment is still without success, the second payment failure notification sent to payment routing module 200 is that unsuccessfully cut-off is logical for payment
Know, payment routing module 200 forwards the notice to business platform 100, to notify user to pay failure, the interactive process with it is existing
It is paid in technology identical when failure.
A kind of channel of disbursement is automatically selected in payment process every time in the related technology compared to existing, if channel payment is lost
It loses, then user is needed to reselect channel of disbursement manually, technical scheme is preset in payment process according to user
Channel Selection strategy, automatically select two kinds of channels, after a kind of channel of disbursement failure wherein, another payment canal can be chosen automatically
Road is paid, and is reduced the probability that user reselects channel of disbursement, is simplified payment process on the whole, bring to user
It is convenient.
Fig. 2 is the composition schematic diagram of the realization system of the distributed intelligence payment routing of another embodiment of the present invention.
As shown in Fig. 2, the distributed intelligence payment route implementing system of the embodiment includes, business platform 100, payment road
By module 200 and channel module 300；
Business platform 100 sends the first payment request for triggering according to user to payment routing module, and the first payment is asked
It asks and pays policy information comprising payment amount information, platform payment policy information and user；
Routing module 200 is paid, for receiving the first payment request, is believed according to the payment amount in the first payment request
Breath, platform payment policy information and user pay policy information and determine preferred channel of disbursement information and alternative channel of disbursement information,
The second payment request is sent to channel module 300, the second payment request includes payment amount information and the preferred channel of disbursement
Information sends third payment to channel module 300 and asks after receiving the first payment failure notification of the transmission of channel module 300
It asks, third payment request includes payment amount information and alternative channel of disbursement information, receives first that channel module 300 is sent
Pay success notification or the second payment success notification, and to the forwarding of business platform 100 first payment success notification or second described
Pay success notification；
Channel module 300 receives the second payment request, according to the preferred channel of disbursement information in the second payment request, really
Determine corresponding first channel of disbursement of first choice channel of disbursement information, completes to pay by the first channel of disbursement, if the first channel of disbursement
It pays successfully, then sends the first payment success notification to payment routing module 200, if the payment failure of the first channel of disbursement, to
It pays routing module 200 and sends the first payment failure notification, the first payment success notification and the first payment failure notification include head
Channel of disbursement information is selected, the third payment request that payment routing module 200 is sent is received, determines that alternative channel of disbursement information is corresponding
The second channel of disbursement, by the second channel of disbursement complete pay, if the second channel of disbursement pay successfully, to pay routing mould
Block sends the second payment success notification, if the payment failure of the second channel of disbursement, sends the second payment to payment routing module and loses
Notice is lost, the second payment success notification and the second payment failure notification include alternative channel of disbursement information.
In this embodiment, as shown in Fig. 2, payment routing module 200 further includes authenticating unit 210, the first payment request
It further include subscriber identity information and key information；
Authenticating unit 210, for being verified according to subscriber identity information and key information to user identity.Only testing
In the case that card passes through, continuation payment process just can be carried out.
In this embodiment, as shown in Fig. 2, business platform 100 further includes that user pays strategy setting unit 110；Payment
Strategy setting unit 110, for receiving the terms of payment and payment priority of user's input, and according to payment priority to branch
The condition of paying is ranked up, and is generated user and is paid strategy.
Specifically, such as terms of payment include payment limit, payment rate and payment success rate etc..By by various payments
Condition carries out priority ranking and pays strategy to generate user, meets user's individual demand, facilitates so subsequent final true
Surely it is best suitable for the channel of disbursement of user demand.
In this embodiment, as shown in Fig. 2, business platform 100 further includes platform payment strategy generating unit 120；Platform
Strategy generating unit 120 is paid, for the information based on the gathering affiliated platform of object, generating platform payment strategy.Specifically, example
Such as affiliated platform of affiliated gathering object includes third party's electric business platform and internet financial platform.
Platform payment strategy is generated based on the specific gathering demand for the affiliated platform of object of collecting money, such as the platform having
It collects money restricted to channel of disbursement.Based on the information of the gathering affiliated platform of object, generating platform payment strategy facilitates subsequent true
Fixed most reasonable channel of disbursement, improves the success rate of payment.
As shown in figure 3, a kind of implementation method of distributed intelligence payment routing is additionally provided in the embodiment of the application,
Include the following steps,
Step S210, receive business platform send the first payment request, the first payment request include payment amount information,
Platform pays policy information and user pays policy information；
Step S220 pays policy information according to payment amount information, platform payment policy information and user and determines first choice
Channel of disbursement information and alternative channel of disbursement information；
Step S230 sends the second payment request to channel module, and the second payment request includes payment amount information and head
Select channel of disbursement information；
Step S240 sends third to channel module after receiving the first payment failure notification of channel module transmission
Payment request, third payment request include payment amount information and alternative channel of disbursement information；
Step S250 receives the first payment success notification or the second payment success notification that channel module is sent, and to industry
The first payment success notification of business platform forwarding or the second payment success notification.
As a kind of specific embodiment, in the embodiment, the first payment request further includes subscriber identity information and close
Key information；Preferred channel of disbursement is determined paying policy information according to payment amount information, platform payment policy information and user
It further include being tested according to subscriber identity information and key information user identity before information and alternative channel of disbursement information
Card.Only in the case where being verified, continuation payment process just can be carried out.
As shown in figure 4, additionally providing a kind of distributed intelligence payment route device, packet in the embodiment of the application
It includes,
Receiving module 31, is used to receive the first payment request of business platform transmission, and the first payment request includes payment
Amount information, platform payment policy information and user pay policy information；
Determining module 32 is used to pay policy information according to payment amount information, platform payment policy information and user
Determine first choice channel of disbursement information and alternative channel of disbursement information；
First sending module 33, is used to send the second payment request to channel module, and the second payment request includes payment
Amount information and preferred channel of disbursement information；
Second sending module 34 is used for after receiving the first payment failure notification of channel module transmission, to channel
Module sends third payment request, and third payment request includes payment amount information and alternative channel of disbursement information；
Forwarding module is used to receive the first payment success notification or the second payment success notification of the transmission of channel module,
And success notification is paid to the first payment success notification of business platform forwarding or second.
Optionally, in the embodiment, the first payment request further includes subscriber identity information and key information；The device also wraps
Include authentication module；Authentication module, for being verified according to subscriber identity information and key information to user identity.
Concrete operations performed by above-mentioned each module may refer to previous embodiment, and details are not described herein again.
It is understood that same or similar part can mutually refer in the various embodiments described above, in some embodiments
Unspecified content may refer to the same or similar content in other embodiments.
It should be noted that in the description of the present invention, term " first ", " second " etc. are used for description purposes only, without
It can be interpreted as indication or suggestion relative importance.In addition, in the description of the present invention, unless otherwise indicated, the meaning of " multiple "
Refer at least two.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes
It is one or more for realizing specific logical function or process the step of executable instruction code module, segment or portion
Point, and the range of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discussed suitable
Sequence, including according to related function by it is basic simultaneously in the way of or in the opposite order, Lai Zhihang function, this should be of the invention
Embodiment person of ordinary skill in the field understood.
It should be appreciated that each section of the invention can be realized with hardware, software, firmware or their combination.Above-mentioned
In embodiment, software that multiple steps or method can be executed in memory and by suitable instruction execution system with storage
Or firmware is realized.It, and in another embodiment, can be under well known in the art for example, if realized with hardware
Any one of column technology or their combination are realized: having a logic gates for realizing logic function to data-signal
Discrete logic, with suitable combinational logic gate circuit specific integrated circuit, programmable gate array (PGA), scene
Programmable gate array (FPGA) etc..
Those skilled in the art are understood that realize all or part of step that above-described embodiment method carries
It suddenly is that relevant hardware can be instructed to complete by program, the program can store in a kind of computer-readable storage medium
In matter, which when being executed, includes the steps that one or a combination set of embodiment of the method.
It, can also be in addition, each functional unit in each embodiment of the present invention can integrate in a processing module
It is that each unit physically exists alone, can also be integrated in two or more units in a module.Above-mentioned integrated mould
Block both can take the form of hardware realization, can also be realized in the form of software function module.The integrated module is such as
Fruit is realized and when sold or used as an independent product in the form of software function module, also can store in a computer
In read/write memory medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example
Point is included at least one embodiment or example of the invention.In the present specification, schematic expression of the above terms are not
Centainly refer to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be any
One or more embodiment or examples in can be combined in any suitable manner.
Although the embodiments of the present invention has been shown and described above, it is to be understood that above-described embodiment is example
Property, it is not considered as limiting the invention, those skilled in the art within the scope of the invention can be to above-mentioned
Embodiment is changed, modifies, replacement and variant.
Claims (10)
1. a kind of realization system of distributed intelligence payment routing characterized by comprising business platform, payment routing module
With channel module；
The business platform, for according to user trigger to the payment routing module send the first payment request, described first
Payment request includes that payment amount information, platform payment policy information and user pay policy information；
The payment routing module pays plan according to the payment amount information, platform for receiving first payment request
Slightly information and user pay policy information and determine preferred channel of disbursement information and alternative channel of disbursement information, Xiang Suoshu channel module
Sending the second payment request, second payment request includes the payment amount information and the preferred channel of disbursement information,
After receiving the first payment failure notification that the channel module is sent, Xiang Suoshu channel module sends third payment request,
The third payment request includes the payment amount information and the alternative channel of disbursement information, receives the channel module hair
The the first payment success notification or the second payment success notification sent, and pay to business platform forwarding described first and successfully lead to
Know or described second pays success notification；
The channel module receives second payment request, determines corresponding first payment of the preferred channel of disbursement information
Channel is completed to pay by first channel of disbursement, if first channel of disbursement is paid successfully, routes to the payment
Module sends the first payment success notification, if first channel of disbursement payment failure, sends to the payment routing module
First payment failure notification, the first payment success notification and the first payment failure notification include that the first choice pays canal
Road information receives the third payment request, determines corresponding second channel of disbursement of the alternative channel of disbursement information, passes through institute
It states the second channel of disbursement and completes payment, if second channel of disbursement pay successfully, to payment routing module transmission the
Two payment success notifications send the second payment to the payment routing module and lose if second channel of disbursement payment failure
Notice is lost, the second payment success notification and the second payment failure notification include the alternative channel of disbursement information.
2. realization system according to claim 1, which is characterized in that the payment routing module includes authenticating unit, institute
Stating the first payment request further includes subscriber identity information and key information；
The authenticating unit, for being verified according to the subscriber identity information and the key information to user identity.
3. realization system according to claim 1, which is characterized in that the business platform includes that user pays strategy setting
Unit；
The payment strategy setting unit, for receiving the terms of payment and payment priority of user's input, and according to described
Payment priority is ranked up the terms of payment, generates user and pays strategy.
4. realization system according to claim 3, which is characterized in that the terms of payment include payment limit, branch payment
Rate and payment success rate.
5. realization system according to claim 1, which is characterized in that the business platform includes platform payment strategy generating
Unit；
The platform pays strategy generating unit, for the information based on the gathering affiliated platform of object, generating platform payment strategy.
6. realization system according to claim 5, which is characterized in that the affiliated platform of the gathering object includes third party's electricity
Quotient's platform and internet financial platform.
7. a kind of implementation method of distributed intelligence payment routing, which is characterized in that include the following steps,
The first payment request that business platform is sent is received, first payment request includes payment amount information, platform payment
Policy information and user pay policy information；
Policy information, which is paid, according to the payment amount information, platform payment policy information and user determines preferred channel of disbursement letter
Breath and alternative channel of disbursement information；
The second payment request is sent to channel module, second payment request includes the payment amount information and the first choice
Channel of disbursement information；
After receiving the first payment failure notification that the channel module is sent, Xiang Suoshu channel module sends third payment and asks
It asks, the third payment request includes the payment amount information and the alternative channel of disbursement information；
Receive the first payment success notification or the second payment success notification that the channel module is sent, and to the business platform
Forward the first payment success notification or the second payment success notification.
8. implementation method according to claim 7, which is characterized in that first payment request further includes user identity letter
Breath and key information；Described true according to the payment amount information, platform payment policy information and user's payment policy information
Before fixed first choice channel of disbursement information and alternative channel of disbursement information, further include,
User identity is verified according to the subscriber identity information and the key information.
9. a kind of distributed intelligence pays route device, which is characterized in that including,
Receiving module, is used to receive the first payment request of business platform transmission, and first payment request includes payment gold
Volume information, platform payment policy information and user pay policy information；
Determining module is used to pay policy information according to the payment amount information, platform payment policy information and user true
Fixed first choice channel of disbursement information and alternative channel of disbursement information；
First sending module is used to send the second payment request to channel module, and second payment request includes the branch
Pay amount information and the preferred channel of disbursement information；
Second sending module is used for after receiving the first payment failure notification that the channel module is sent, Xiang Suoshu canal
Road module sends third payment request, and the third payment request includes the payment amount information and the alternative channel of disbursement
Information；
Forwarding module is used to receive the first payment success notification or the second payment success notification that the channel module is sent,
And success notification is paid to the business platform forwarding first payment success notification or described second.
10. device according to claim 9, which is characterized in that first payment request further includes subscriber identity information
And key information；Described device further includes authentication module,
The authentication module, for being verified according to the subscriber identity information and the key information to user identity.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910515303.XA CN110245926A (en) | 2019-06-14 | 2019-06-14 | A kind of realization system, the method and device of distributed intelligence payment routing |
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| CN201910515303.XA CN110245926A (en) | 2019-06-14 | 2019-06-14 | A kind of realization system, the method and device of distributed intelligence payment routing |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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