CN112508551A - Unified payment gateway system based on intelligent payment routing - Google Patents
Unified payment gateway system based on intelligent payment routing Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
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- 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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Abstract
The invention provides a unified payment gateway system based on intelligent payment routing, which solves the problems of very complicated routing rule maintenance and poor effect in anticipation by providing various routing modes, manual routing, rule routing and automatic routing; routing to an optimal channel for payment according to a preset rule, carrying out classification processing according to error categories after payment fails, automatically carrying out rerouting operation on part of orders, and automatically switching available channels to continue payment; when all available channels fail, the order is marked as failed, and the rerouting process can improve the payment success rate. And a large number of asynchronization modes are adopted to improve the performance and stability, and distributed services are supported and have corresponding service protection capability. The system externally packages a three-party payment channel and internally provides a uniform payment interface, thereby reducing the payment complexity of a service system and improving the payment experience; the problem of payment access is complicated and difficult to manage is solved.
Description
Technical Field
The invention relates to the technical field of financial network payment, in particular to a unified payment gateway system based on intelligent payment routing.
Background
In an active payment scene, payment is carried out according to a payment channel selected by a user, and after failure, the user needs to actively switch payment modes, so that convenience is not provided; in a periodic deduction scene, a suspected optimal channel is selected for transaction according to a manually configured rule, the transaction abnormal conditions are processed only one time and are not flexible enough, and the abnormal conditions cannot be classified and processed, so that the success rate is improved; the routing automation degree is low.
Disclosure of Invention
Based on this, it is necessary to provide a unified payment gateway system based on intelligent payment routing to solve the above technical problems.
The utility model provides a unified payment gateway system based on intelligent payment route, includes merchant module, passageway module, interface module, routing module and account module, wherein: the merchant module is divided into an external merchant module and an internal merchant module, the external merchant module comprises an external account, balance and external safety information, and the internal merchant module comprises an internal account and internal safety information; the channel module comprises a plurality of payment channels and channel information of each payment channel; the interface module comprises an external payment interface for an external channel and a unified internal payment interface for the internal service system, and when a plurality of payment products can provide support, the payment gateway can be used for the service party to be connected without considering the problem of multi-product selection; the interface module further comprises an asynchronous notification module, and the asynchronous notification module is used for carrying out asynchronous processing on the payment order, and using a message queue based on distributed cache to improve the throughput of the gateway system and facilitate service capacity expansion; the method reduces the active query operation of a service system by using an asynchronous notification mode, delays the retry of notification for the failure of notification, further improves the performance of a payment gateway, reduces the payment waiting time and improves the payment experience of a user; the routing module comprises a manual route, a regular route and an automatic route; the accounting module is used for recording transaction running water, drawing a statement of account of the three-party payment channel, performing account checking operation on the transaction running water, and generating a gateway statement of account for the service system to use.
In one embodiment, the external account is an account of an external payment channel.
In one embodiment, the internal account is specifically an account used by the internal business system to access the system.
In one embodiment, the channel information includes at least subscription information, authentication information, channel level, and rate information.
In one embodiment, the interface module further includes a service protection unit, an identity authentication unit, and a verification unit, wherein: the service protection unit is used for providing service protection functions such as fusing, current limiting and isolating; the identity authentication unit is used for providing a merchant identity authentication function, shielding illegal service calling and improving the stability and the usability of the system; the verification unit is used for providing a signature verification function and avoiding data security problems such as interface embezzlement, order tampering and the like; verifying the validity of each field in the order parameters; and the order validity is verified, and repeated payment or invalid order payment is avoided.
In one embodiment, the manual routing specifies a mapping relationship between operator-specified payment channels, products, or special customers.
In one embodiment, the regular routing is a relatively simple automatic routing design, and various routing rules are set in the background according to the service requirements.
In one embodiment, the automatic routing is implemented by scoring each channel and selecting the priority usage with the highest score.
According to the unified payment gateway system based on the intelligent payment routing, the problems that the routing rule maintenance is very complicated and the effect is not as good as expected are solved by providing a plurality of routing modes, namely manual routing, regular routing and automatic routing; routing to an optimal channel for payment according to a preset rule, carrying out classification processing according to error categories after payment fails, automatically carrying out rerouting operation on part of orders, and automatically switching available channels to continue payment; when all available channels fail, the order is marked as failed, and the rerouting process can improve the payment success rate. And a large number of asynchronization modes are adopted to improve the performance and stability, and distributed services are supported and have corresponding service protection capability. The system externally packages a three-party payment channel and internally provides a uniform payment interface, thereby reducing the payment complexity of a service system and improving the payment experience; the problem of payment access is complicated and difficult to manage is solved.
Drawings
FIG. 1 is a block diagram of a unified payment gateway system based on intelligent payment routing in one embodiment;
FIG. 2 is a flow diagram of payment request processing in one embodiment;
FIG. 3 is a flow diagram of payment request routing in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings by way of specific embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The uniform payment gateway system based on the intelligent payment routing can be applied to application environments of various network payments, the business system and the internal business system mentioned in the application are the same concept, namely the application environment, business personnel use the system provided by the application when a merchant pays a certain business, and a payment request is initiated by the internal business system.
In one embodiment, as shown in fig. 1, 2 and 3, there is provided a unified payment gateway system 100 based on intelligent payment routing, the apparatus comprising a merchant module 110, a channel module 120, an interface module 130, a routing module 140 and an accounting module 150, wherein:
the merchant module 110 is divided into an external merchant module 111 and an internal merchant module 112, the external merchant module 111 includes an external account, a balance and external security information, and the internal merchant module 112 includes an internal account and internal security information; the external account is specifically an account of the external payment channel; the internal account is specifically an account used by the internal business system for accessing the system.
The channel module 120 includes a plurality of payment channels and channel information of each payment channel. The channel information at least includes subscription information, authentication information, channel grade and rate information.
An interface module 130, which includes an external payment interface 131 for external channels and an internal payment interface 132 for providing a unified internal service system, and when there are multiple payment products that can be supported, the payment gateway can be used to allow the service party to interface without considering the problem of multiple product selection;
the interface module 130 further includes an asynchronous notification module 133, where the asynchronous notification module 133 is configured to perform asynchronous processing on the payment order, and use a message queue based on distributed cache to improve throughput of the gateway system and facilitate service expansion; the method reduces the active query operation of a service system by using an asynchronous notification mode, delays the retry of notification for the failure of notification, further improves the performance of a payment gateway, reduces the payment waiting time and improves the payment experience of a user;
the interface module 130 further comprises a service protection unit 134, an identity authentication unit 135 and a verification unit 136, wherein: the service protection unit 134 is used for providing service protection functions such as fusing, current limiting and isolating; the identity authentication unit 135 is used for providing a merchant identity authentication function, shielding illegal service calling and improving the stability and the usability of the system; the verification unit 136 is used for providing a signature verification function, and avoiding data security problems such as interface embezzlement, order tampering and the like; verifying the validity of each field in the order parameters; and the order validity is verified, and repeated payment or invalid order payment is avoided.
Routing module 140 includes manual route 141, regular route 142, and automatic route 143; the manual route 141 specifies a mapping relationship between payment channels, products, or special customers for operators; the rule routing 142 is specifically a relatively simple automatic routing design, and is to set various routing rules in the background according to the service needs; the automatic routing 143 is embodied by scoring each channel and selecting the priority use with the highest score.
The accounting module 150 is configured to record transaction running water, pull a statement of the three-party payment channel, perform a statement checking operation on the transaction running water, and generate a gateway statement for a business system to use.
Specifically, the unified payment gateway system 100 based on intelligent payment routing includes a merchant module 110, a channel module 120, an interface module 130, a routing module 140 and an accounting module 150; and services such as signing, payment, refund, settlement, notification, account checking, background management and the like are provided.
The merchant module 110: merchant module 110 is divided into an external merchant module 111 and an internal merchant module 112; the external merchant module 111 contains accounts, balances and related security information of the external payment channel; internal merchant module 112 contains accounts and related security information used by the internal business system access gateway.
The channel module 120: including all channel information in the gateway system. The business system can be used as required, only the required payment mode is configured, and management is convenient. The channels are divided into various types, such as quick payment, collection, payment, agreement payment and the like; the channel contains information of card type support, contract signing requirement, secondary verification requirement, charge rate (single stroke and ladder), channel grade (interface stability, TPS, rate of dropping orders), marketing correlation (discount, discount and activity time) and the like.
The interface module 130: the system comprises an external payment interface 131 for an external channel and an internal payment interface 132 for providing a uniform internal service system, and when a plurality of payment products can provide support, the payment gateway can be used for the service party to be connected without considering the problem of multi-product selection; and the integration of all payment services is preposed, and interfaces provided by different payment channels are presented to a business party in a uniform mode. Therefore, the access party only needs to be connected with the payment gateway, and the payment channel is added and adjusted to be transparent to the business party. And providing a unified contract signing and contracting interface, a collecting interface, a payment interface, a protocol payment interface and the like. The interface module 130 further comprises a service protection unit 134, an identity authentication unit 135 and a verification unit 136, wherein: the service protection unit 134 is used for providing service protection functions such as fusing, current limiting and isolating; the identity authentication unit 135 is used for providing a merchant identity authentication function, shielding illegal service calling and improving the stability and the usability of the system; the verification unit 136 is used for providing a signature verification function, and avoiding data security problems such as interface embezzlement, order tampering and the like; verifying the validity of each field in the order parameters, such as parameters of user ID, merchant ID, price, return address and the like; and the order validity is verified, and repeated payment or invalid order payment is avoided. The interface module 130 further includes an asynchronous notification module 133, which performs asynchronous processing on the payment order, and uses a message queue based on distributed cache (REDIS) to improve the throughput of the gateway system and facilitate service expansion; the method reduces the active query operation of the service system by using an asynchronous notification mode, delays the retry of notification for the notification failure, further improves the performance of the payment gateway, reduces the payment waiting time and improves the payment experience of users.
The routing module 140: routing rules are the core of payment routing, including manual routing 141, regular routing 142, and automatic routing 143. Wherein: a) artificial route 141: the operator specifies the mapping relation among payment channels, products or special customers, and has the advantages of high performance, controllable routing result, easy problem troubleshooting when the problem is generated, and suitability for a small number of special customers. b) Rule routing 142: relatively simple automatic routing design sets up various routing rules in the background, e.g., according to business needs. In case of an increased routing factor, the maintenance of routing rules is very cumbersome. c) Automatic routing 143: the highest-score priority usage is achieved by scoring each channel. The system scores the relevant points of rate (proportion 40%), channel grade (proportion 40%) and marketing (proportion 20%), updates the scoring information of the relevant channels after counting the relevant data when each order is finished, and automatically and continuously adjusts the system in the running process.
The accounting module 150: every transaction is recorded as a running stream, and statistics and analysis also need to update relevant data according to the transaction running stream. a) After daily transaction is finished, the reconciliation sheet of the three-party payment channel is pulled to carry out reconciliation operation on the system flow, and a gateway reconciliation bill is generated to provide service system reconciliation for use. b) Abnormal data found in the reconciliation process is preprocessed, and after inconsistency caused by time reasons is eliminated, relevant personnel are notified by mails to process abnormal orders.
The above-described embodiments provide a complete payment gateway solution by providing a complete payment function interfacing to a payment-to-reconciliation. Meanwhile, a large number of asynchronization modes are adopted to improve the gateway performance and the system stability, support distributed services and have corresponding service protection capability, and the problem of performance bottleneck of the payment gateway is solved. Furthermore, various routing modes, such as manual routing, regular routing and automatic routing, are provided, and the problems that the routing rule maintenance is very complicated and the effect is not as expected are solved. The three-party payment channel is externally packaged, a uniform payment interface is internally provided, the payment complexity of a service system is reduced, and the payment experience is improved; the problem of payment access is complicated and difficult to manage is solved.
It will be apparent to those skilled in the art that the modules or steps of the invention described above may be implemented in a general purpose computing device, they may be centralized on a single computing device or distributed across a network of computing devices, and optionally they may be implemented in program code executable by a computing device, such that they may be stored on a computer storage medium (ROM/RAM, magnetic disks, optical disks) and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, the present invention is not limited to any specific combination of hardware and software.
The foregoing is a more detailed description of the present invention that is presented in conjunction with specific embodiments, and the practice of the invention is not to be considered limited to those descriptions. For those skilled in the art to which the invention pertains, several simple deductions or substitutions can be made without departing from the spirit of the invention, and all shall be considered as belonging to the protection scope of the invention.
Claims (8)
1. The utility model provides a unified payment gateway system based on intelligent payment route which characterized in that, includes merchant module, passageway module, interface module, routing module and accounting module, wherein:
the merchant module is divided into an external merchant module and an internal merchant module, the external merchant module comprises an external account, balance and external safety information, and the internal merchant module comprises an internal account and internal safety information;
the channel module comprises a plurality of payment channels and channel information of each payment channel;
the interface module comprises an external payment interface for an external channel and a unified internal payment interface for the internal service system, and when a plurality of payment products can provide support, the payment gateway can be used for the service party to be connected without considering the problem of multi-product selection;
the interface module further comprises an asynchronous notification module, and the asynchronous notification module is used for carrying out asynchronous processing on the payment order, and using a message queue based on distributed cache to improve the throughput of the gateway system and facilitate service capacity expansion; the method reduces the active query operation of a service system by using an asynchronous notification mode, delays the retry of notification for the failure of notification, further improves the performance of a payment gateway, reduces the payment waiting time and improves the payment experience of a user;
the routing module comprises a manual route, a regular route and an automatic route;
the accounting module is used for recording transaction running water, drawing a statement of account of the three-party payment channel, performing account checking operation on the transaction running water, and generating a gateway statement of account for the service system to use.
2. The system according to claim 1, characterized in that the external account is an account of an external payment channel.
3. The system of claim 1, wherein the internal account is an account used by an internal business system to access the system.
4. The system of claim 1, wherein the channel information includes at least subscription information, authentication information, channel rating, and rate information.
5. The system of claim 1, wherein the interface module further comprises a service protection unit, an identity authentication unit, and a verification unit, wherein:
the service protection unit is used for providing service protection functions such as fusing, current limiting and isolating;
the identity authentication unit is used for providing a merchant identity authentication function, shielding illegal service calling and improving the stability and the usability of the system;
the verification unit is used for providing a signature verification function and avoiding data security problems such as interface embezzlement, order tampering and the like; verifying the validity of each field in the order parameters; and the order validity is verified, and repeated payment or invalid order payment is avoided.
6. The system of claim 1, wherein the manual routing specifies a mapping relationship between operator specified payment channels, products, or special customers.
7. The system of claim 1, wherein the regular routing is embodied as a relatively simple automatic routing design, with various routing rules set in the background according to traffic needs.
8. The system of claim 1, wherein the automatic routing is by scoring individual channels and selecting a priority use with a highest score.
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| CN202011415561.XA CN112508551A (en) | 2020-12-07 | 2020-12-07 | Unified payment gateway system based on intelligent payment routing |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114154991A (en) * | 2021-12-09 | 2022-03-08 | 兴业银行股份有限公司 | Payment transaction failure automatic retransmission system and method based on virtual order mechanism |
| CN115170131A (en) * | 2022-09-06 | 2022-10-11 | 云账户技术(天津)有限公司 | Payment method and device based on fuse, storage medium and terminal equipment |
| CN116894668A (en) * | 2023-09-11 | 2023-10-17 | 深圳易能时代科技有限公司 | Payment method based on payment gateway adapter and related equipment |
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| CN111415140A (en) * | 2020-02-27 | 2020-07-14 | 上海商米科技集团股份有限公司 | Aggregated payment management method, server and computer storage medium |
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| CN106127460A (en) * | 2016-06-15 | 2016-11-16 | 携程计算机技术（上海）有限公司 | Pay route system and method |
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| CN114154991A (en) * | 2021-12-09 | 2022-03-08 | 兴业银行股份有限公司 | Payment transaction failure automatic retransmission system and method based on virtual order mechanism |
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