CN115689556A

CN115689556A - Processing method and device applied to payment routing system and storage medium

Info

Publication number: CN115689556A
Application number: CN202211365742.5A
Authority: CN
Inventors: 朱铖杰
Original assignee: Beijing Shareit Information Technology Co Ltd
Current assignee: Beijing Shareit Information Technology Co Ltd
Priority date: 2022-10-31
Filing date: 2022-10-31
Publication date: 2023-02-03

Abstract

The present disclosure relates to a processing method, an apparatus and a storage medium applied to a payment routing system, where the payment routing system includes at least two alternative routes, and the priority of each alternative route is different, the method includes: extracting basic transaction information from a transaction payment request in case of detecting the transaction payment request; preprocessing a payment channel list acquired from a channel service by using the basic transaction information, and determining candidate payment channels from the payment channel list; and according to the priority of each alternative route, screening the candidate payment channels by using the routing rule of each alternative route in sequence, and determining a target payment channel from the candidate payment channels. And multiple times of screening is performed through a plurality of alternative routes, so that the determined target payment channel can better meet the user requirements.

Description

Processing method, device and storage medium applied to payment routing system

Technical Field

The present disclosure relates to the field of internet payment, and in particular, to a processing method and apparatus applied to a payment routing system, and a storage medium.

Background

When a user pays on the transaction platform, merchants can display different payment modes through the cash register. The common payment methods are various, each payment method can be accessed to a corresponding payment channel, and meanwhile, payment mechanisms can be accessed to various upstream payment channels, such as the unions in all regions, the internet connection and the like. That is, there may be many payment channels behind a payment method.

Due to the varying capabilities of the payment channels accessed by the payment institutions, the service capabilities, the payment methods, the stability and the price cost supported by each payment channel may vary. Such as: the payment channel with high stability has high channel price, and simultaneously, the supported payment modes are not complete; the payment channel with low price has insufficient system stability or low payment success rate; the payment channel with moderate price has few supported banks, even the supported banks are different; the payment channel with moderate stability and better service attitude also has a plurality of payment modes which are not supported.

How to select the optimal payment channel from the plurality of payment channels is a problem to be solved.

Disclosure of Invention

To overcome the problems in the related art, the present disclosure provides a processing method, apparatus, and storage medium applied to a payment routing system.

According to a first aspect of the embodiments of the present disclosure, there is provided a processing method applied to a payment routing system, where the payment routing system includes at least two alternative routes, and the priority of each alternative route is different, the method includes:

extracting basic transaction information from a transaction payment request in case the transaction payment request is detected;

preprocessing a payment channel list acquired from a channel service by using the basic transaction information, and determining candidate payment channels from the payment channel list;

and according to the priority of each alternative route, screening the candidate payment channels by using the routing rule of each alternative route in sequence, and determining a target payment channel from the candidate payment channels.

In some embodiments, the screening the candidate payment channels by sequentially using the routing rules of the alternative routes according to the priority of each alternative route, and determining a target payment channel from the candidate payment channels includes:

under the condition that the transaction payment request carries appointed channel information, extracting the appointed channel information from the transaction payment request;

determining a designated route having a first priority from the at least two alternative routes based on the designated path information; wherein the specified route has specified routing rules;

and determining the candidate payment channel matched according to the specified routing rule as the target payment channel.

In some embodiments, the determining, as the target payment channel, the candidate payment channel matched according to the specified routing rule includes:

comparing the core transaction information in the transaction payment request with the configuration information of the candidate payment channel according to the specified routing rule; wherein the configuration of the specified routing rule uniquely corresponds to the corresponding payment channel;

and if the candidate payment channel matched with the core transaction information exists, determining the candidate payment channel matched with the core transaction information as the target payment channel.

the specified route is not present in the at least two alternative routes, or

Determining a base route with a second priority from the at least two alternative routes if the designated route exists in the at least two alternative routes but the target payment channel is not matched based on the designated routing rule; wherein the base route has a base routing rule and the second priority is lower than the first priority;

and under the condition that one candidate payment channel matched with the basic routing rule is the same, determining the candidate payment channel matched with the basic routing rule as the target payment channel.

In some embodiments, the sequentially screening, according to the priority of each of the alternative routes, the candidate payment channels by using the routing rule of each of the alternative routes, and determining a target payment channel from the candidate payment channels includes:

if the candidate payment channels matched with the basic routing rule are at least two, determining a combined route with a third priority from at least two alternative routes; wherein the combined route has a combined routing rule and the third priority is lower than the second priority;

generating a candidate payment channel set according to at least two candidate payment channels matched with the basic routing rule;

and determining the candidate payment channel matched from the candidate payment channel set according to the combined routing rule as the target payment channel.

In some embodiments, the method further comprises:

under the condition that at least two candidate payment channels matched from the candidate payment channel set according to the combined routing rule are available, sequencing the preset priorities of the at least two candidate payment channels matched according to the combined routing rule to obtain a sequencing result; the preset priority of the candidate payment channel is determined according to the stability rate and/or the payment success rate of the candidate payment channel;

and determining the target payment channel according to the sequencing result.

In some embodiments, the method further comprises:

comparing the core transaction information in the transaction payment request with the configuration information of each candidate payment channel according to the basic routing rule to obtain a weight score corresponding to each candidate payment channel;

and comparing the weight scores corresponding to the candidate payment channels, and determining the number of the candidate payment channels matched with the basic routing rule according to the comparison result.

According to a second aspect of the embodiments of the present disclosure, there is provided a processing apparatus applied to a payment routing system, where the payment routing system includes at least two alternative routes, and the priority of each alternative route is different, the apparatus includes:

an information extraction module configured to extract basic transaction information from a transaction payment request in case a transaction payment request is detected;

the preprocessing module is configured to preprocess a payment channel list acquired from a channel service by using the basic transaction information, and determine candidate payment channels from the payment channel list;

and the screening module is configured to sequentially use the routing rules of the alternative routes to screen the candidate payment channels according to the priority of each alternative route, and determine a target payment channel from the candidate payment channels.

In some embodiments, the screening module is configured to:

determining a designated route having a first priority from the at least two alternative routes based on the designated path information; wherein the specified route has a specified routing rule;

In some embodiments, the screening module is configured to:

comparing the core transaction information in the transaction payment request with the configuration information of the candidate payment channel according to the specified routing rule; the configuration of the specified routing rule uniquely corresponds to the corresponding payment channel;

In some embodiments, the screening module is configured to:

the specified route is not present in the at least two alternative routes, or

If the designated route exists in the at least two alternative routes but the target payment channel is not matched based on the designated routing rule, determining a basic route with a second priority from the at least two alternative routes; wherein the base route has a base routing rule and the second priority is lower than the first priority;

In some embodiments, the screening module is configured to:

In some embodiments, the apparatus further comprises:

the sorting module is configured to sort the preset priorities of the at least two candidate payment channels matched according to the combined routing rule under the condition that the number of the candidate payment channels matched from the candidate payment channel set according to the combined routing rule is at least two, so as to obtain a sorting result; the preset priority of the candidate payment channel is determined according to the stability rate and/or the payment success rate of the candidate payment channel;

and the determining module is configured to determine the target payment channel according to the sequencing result.

In some embodiments, the apparatus further comprises:

the comparison module is configured to compare the core transaction information in the transaction payment request with the configuration information of each candidate payment channel according to the basic routing rule to obtain a weight score corresponding to each candidate payment channel;

and the comparison module is configured to compare the weight scores corresponding to the candidate payment channels and determine the number of the candidate payment channels matched with the basic routing rule according to a comparison result.

According to a third aspect of the embodiments of the present disclosure, there is provided a processing apparatus applied to a payment routing system, including:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to: when executed, implement the steps of any one of the first aspects described above in a processing method applied to a payment routing system.

According to a fourth aspect of embodiments of the present disclosure, there is provided a non-transitory computer readable storage medium having instructions stored thereon which, when executed by a processor of a processing apparatus applied to a payment routing system, enable the apparatus to perform the steps of any one of the above-mentioned first aspects of the processing method applied to the payment routing system.

The technical scheme provided by the embodiment of the disclosure can have the following beneficial effects:

according to the processing method applied to the payment routing system, under the condition that a transaction payment request is detected, basic transaction information can be extracted from the transaction payment request, a payment channel list obtained from a channel service is preprocessed through the basic transaction information, candidate payment channels are determined from the payment channel list, then the candidate payment channels are screened through the routing rules of all the alternative routes in sequence according to the priority of all the alternative routes, and a target payment channel is determined from the candidate payment channels.

According to the method, at least two alternative routes are set in the payment routing system, the priorities of the alternative routes are different, after a payment channel list acquired from a channel service is preprocessed by using basic transaction information, the candidate payment channels determined from the payment channel list are subjected to multilayer screening through the routing rules of the alternative routes, and the determined target payment channels can better meet the user requirements through the multilayer screening.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and, together with the description, serve to explain the principles of the disclosure.

FIG. 1 is a flow chart one illustrating a processing method applied to a payment routing system in accordance with an exemplary embodiment;

FIG. 2 is an interaction diagram illustrating a payment routing system in accordance with an exemplary embodiment;

FIG. 3 is a flowchart II illustrating a processing method applied to a payment routing system in accordance with one illustrative embodiment;

FIG. 4 is a block diagram illustrating a processing device applied to a payment routing system in accordance with an exemplary embodiment;

fig. 5 is a block diagram illustrating a hardware configuration of a processing device applied to a payment routing system according to an exemplary embodiment.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. The following description refers to the accompanying drawings in which the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

Fig. 1 is a flowchart illustrating a processing method applied to a payment routing system according to an exemplary embodiment, where the payment routing system includes at least two alternative routes, and the priority of each alternative route is different, as shown in fig. 1, the method mainly includes the following steps:

in step 101, in case a transaction payment request is detected, extracting basic transaction information from the transaction payment request;

in step 102, a payment channel list acquired from a channel service is preprocessed by using the basic transaction information, and candidate payment channels are determined from the payment channel list;

in step 103, according to the priority of each alternative route, screening the candidate payment channels by using the routing rules of each alternative route in sequence, and determining a target payment channel from the candidate payment channels.

It should be noted that the route payment system may be a preconfigured rule engine, and the rule engine is configured to store the configuration information of the payment route, analyze the configuration information, and may be used to select a payment channel. For example, an optimal payment channel may be selected from a plurality of payment channels. In some embodiments, a plurality of payment routes may be set in the payment routing system, and a routing rule may be configured for each payment route, and the payment route may match a corresponding payment channel (also may be referred to as a payment channel) according to the routing rule, where the routing rule may be a selection algorithm supported by an engine of the payment route.

In the embodiment of the present disclosure, the payment routing system may include at least two alternative routes, and the priority of each alternative route is different. The priority of each alternative route may be preset, and the routing rules corresponding to the alternative routes having different priorities are also different, which may be understood that the priority of each alternative route may be determined according to the routing rule corresponding to each alternative route, or may be manually defined. For example, the at least two alternative routes may include: basic reasons, combined routes, and designated routes (which may also be referred to as independent routes), etc. The priority of the designated route is higher than that of the combined route, and the priority of the combined route is higher than that of the basic route.

In some embodiments, the payment routing system may determine whether a transaction payment request is detected, where the transaction payment request may be a request triggered by a payment platform for characterizing a transaction generation that requires payment, where the payment platform may be a business system that initiates the transaction payment request. For example, in the case that the payment platform receives a payment operation for triggering transaction payment, a transaction payment request may be sent to the payment routing system, and in the case that the payment routing system receives the transaction payment request, the basic transaction information may be extracted from the transaction payment request.

Here, the basic transaction information may include: the information generated when the payment operation for payment of the transaction is triggered may include basic information related to the transaction, for example, may include: transaction amount, transaction type, card type, industry to which the merchant belongs, and the like. In the case that the payment platform detects a payment operation, a transaction payment request may be generated based on the basic transaction information and sent to the payment routing system, and after receiving the transaction payment request, the payment routing system may extract the basic transaction information from the transaction payment request.

As shown in table 1, table 1 shows a basic transaction information according to the present disclosure, and the example content of the basic transaction information is as follows:

TABLE 1 basic transaction information

Amount of transaction	25000
		Type of transaction	Pre-authorization
Card type	Debit card
		Business of commercial tenant	7011 (Hotel)

As shown in Table 1, the transaction amount of this transaction is: 25000; the transaction types are: pre-authorization; the card types are: a debit card; the business of the merchant is as follows: 7011 (hotels).

In the embodiment of the disclosure, after the payment routing system receives the transaction payment request and successfully extracts the basic transaction information, the payment channel list may be obtained from the channel service, and after the payment routing system obtains the payment channel list from the channel service, the payment channel list obtained from the channel service may be preprocessed by using the basic transaction information, and the candidate payment channel is determined from the payment channel list. Here, the channel service may be a service for managing information related to the payment channel actually accessed and performing data stream interaction with an external payment channel. A plurality of preset payment channels are prestored in the payment channel list.

For example, each preset payment channel in the payment channel list may be filtered based on each basic parameter in the basic transaction information. For another example, each basic parameter in the basic transaction information may be compared with configuration information of each preset payment channel, and a preset payment channel matching the basic transaction information exists, and is determined as a candidate payment channel.

The configuration information of the preset payment channel may be information related to configurations supported by the preset payment channel. For example, the basic transaction information includes transaction types of: pre-authorization, card type: a debit card. The preset payment channel A configuration information comprises the following transaction types: pre-authorization, card type: a debit card. The preset configuration information of the payment channel B comprises the following transaction types: pre-authorization, card type: a savings card. The basic transaction information may be compared with the configuration information of the preset payment channel a and the configuration information of the preset payment channel B, so that the preset payment channel a may be determined as the preset payment channel matched with the basic transaction information, and at this time, the preset payment channel a may be determined as the candidate payment channel.

The above is an exemplary description of preprocessing the payment channel list by using the basic transaction information to determine the candidate payment channel. In some embodiments, the number of candidate payment channels determined may be multiple, that is, there may be multiple preset payment channels in the payment channel list that match the basic transaction information.

In the embodiment of the present disclosure, after the candidate payment channels are determined, the candidate payment channels may be sequentially screened by using the routing rules of each alternative route according to the priority of each alternative route, and a target payment channel is determined from the candidate payment channels.

Here, the process of sequentially screening the candidate payment channels by using the routing rules of each alternative route according to the priority of each alternative route may include: according to a polling mode, preferentially utilizing a routing rule of an alternative route with the highest priority to carry out screening processing on candidate payment channels to obtain a first candidate set, wherein the first candidate set comprises: screening the original candidate payment channels to obtain the remaining candidate payment channels; then, the first candidate set is screened by using the routing rule of the alternative route with the highest priority to obtain a second candidate set, wherein the second candidate set comprises: candidate payment channels remained after the first candidate set is subjected to screening processing; and screening the second candidate set by using the routing rule of the alternative routing with the lowest priority to obtain a target payment channel.

Wherein, the alternative route with the highest priority, the alternative route with the next highest priority and the alternative route with the lowest priority can be at least one. And in the screening process, the alternative route with the highest priority can be randomly selected to screen the original candidate payment channel until the alternative route with the highest priority finishes screening the original candidate payment channel, and then a first candidate set is generated.

When there are a plurality of candidate routes having the highest priority, the priorities of the candidate routes having the highest priority may be the same or different. Taking the priority of each alternative route with the highest priority as an example, in the screening process, each alternative route with the highest priority can be randomly selected to screen the first candidate set until each alternative route with the highest priority completes the screening of the original candidate payment channel, and then the second candidate set is generated. Taking the different priorities of the alternative routes with the highest priority as an example, in the screening process, the alternative routes with the highest priority can be sorted according to the priority from high to low, and then the first candidate set is sequentially screened until the alternative routes with the highest priority complete the screening of the original candidate payment channel, and then the second candidate set is generated.

And in the screening process, the alternative route with the lowest priority can be randomly selected to screen the original candidate payment channel until the alternative route with the lowest priority finishes screening the second candidate set, so that a target payment channel is obtained.

In the embodiment of the disclosure, at least two alternative routes are set in the payment routing system, the priorities of the alternative routes are different, after a payment channel list acquired from a channel service is preprocessed by using basic transaction information, multi-layer screening is performed on candidate payment channels determined from the payment channel list through routing rules of the alternative routes, and the determined target payment channel can better meet the user requirement through the multi-layer screening.

In the embodiment of the present disclosure, after the payment routing system receives the transaction payment request, the transaction payment request may be parsed, and it is determined whether the transaction payment request carries the information of the designated channel. If the transaction payment request is determined to carry the specified channel information, the specified channel information can be extracted from the transaction payment request. Here, specifying the specified contents in the channel information may include: a user identification (which may also be referred to as a user ID) for identifying the user initiating the transaction payment request. For example, it may include: the merchant identifier may be represented by a merchant number.

After the specified channel information is extracted, a specified route having a first priority may be determined from the at least two alternative routes based on the specified channel information. In some embodiments, a route identifier may be set for each alternative route, after the specified channel information is obtained, the specified content carried by the specified channel information may be compared with the route identifiers of the alternative routes, and the alternative route in which the route identifier matches with the specified content is determined as the specified route.

Taking the example that the designated content in the designated channel information is the user identifier, in some embodiments, mapping relationships between the user identifiers and the routing identifiers may be preset, and in the process of routing, whether the user identifier and each routing identifier satisfy a preset mapping relationship may be determined based on comparison between the user identifier analyzed from the designated channel information and each routing identifier, and an alternative route corresponding to the routing identifier satisfying the preset mapping relationship is determined as the designated route, where the user identifier may include a business number. Taking the example that the user identifier (e.g., the merchant number) is M-1, if the route identifier of the alternative route is M-1-direct connection priority, it may be determined that the user identifier and the route identifier satisfy the preset mapping relationship.

In the case that it is determined that the designated route with the first priority exists in the at least two alternative routes, the candidate payment channel matched according to the designated routing rule may be determined as the target payment channel. Here, the first priority may be the highest priority, and it is understood that in the embodiment of the present disclosure, it may be preferentially determined whether there is an alternative route with the highest priority in the alternative routes, and the payment channel is preferentially matched based on the alternative route with the highest priority, so that the efficiency of determining a high-quality target payment channel can be improved.

Here, the core transaction information may include: the information generated when the payment operation for payment of a transaction is triggered may include core information related to the transaction. For example, it may include: merchant number, transaction amount, transaction type, card type, etc. In case the payment routing system needs to perform a matching of the payment channels, the core transaction information may be extracted from the transaction payment request. In some embodiments, the information content of the core transaction information and the base transaction information may be partially identical.

In some embodiments, assuming that there are three candidate payment channels, namely, payment channel a, payment channel B, and payment channel C, in the case that there is a specific route matching to the merchant and the payment channel a matches the core transaction information, the payment channel a configured by the specific route may be used as the target payment channel.

As shown in table 2, table 2 shows a core transaction message according to the present disclosure, and the example content of the core transaction message is as follows:

TABLE 2 core transaction information

Merchant number	M-00000001
		Amount of transaction	300
Type of transaction	Consumption of
		Card type	Credit card

As shown in Table 2, the merchant number for this transaction is: m-00000001; the transaction amount is: 300, and (c) a step of cutting; the transaction types are: consuming; the card types are: a credit card.

After the core transaction information in the transaction payment request is obtained, the core transaction information can be compared with the configuration information of the candidate payment channel according to the specified routing rule, and if the candidate payment channel matched with the core transaction information is determined to exist based on the comparison result, the candidate payment channel matched with the core transaction information is determined to be the target payment channel. Here, the configuration information of the candidate payment channel may include: and the candidate payment channel supports configuration parameters such as payment modes, routing rules, matching conditions and the like. As shown in table 3, table 3 is configuration information of a candidate payment channel matching with core transaction information, which is shown in the present disclosure, and example contents of the configuration information are as follows:

TABLE 3 configuration information of candidate payment channels matched with core transaction information

In the embodiment of the present disclosure, the designated route may be configured separately for a specific scenario, on top of the alternative route with a lower priority. For example, a mass subsidy market activity exists at the present stage between an M-00000001 merchant and an X bank, and the merchant wishes to use the payment channel of the X bank for payment, and for this scenario, a specific route can be configured for the merchant. Therefore, whether the alternative route with the highest priority exists in the alternative routes can be preferentially determined, and the matching of the payment channels is preferentially carried out on the basis of the alternative route with the highest priority, so that the efficiency of determining the high-quality target payment channel can be improved.

the specified route is not present in the at least two alternative routes, or

In the embodiment of the present disclosure, in a case where there is no designated route in the at least two alternative routes, the base route having the second priority may be determined from the at least two alternative routes. In the case that the designated route exists in the at least two alternative routes, but the target payment channel is not matched based on the designated routing rule, the base route having the second priority may also be determined from the at least two alternative routes.

The basic routing has a second priority, the second priority is lower than the first priority, the basic routing can be matched with an available payment channel according to a configured basic routing rule, and the basic routing rule can be configured according to different attributes of the payment channel. For example, different payment channels may be configured with different routing scores for transaction amount, card type, transaction type, industry type.

For example, after the list of payment channels obtained from the channel service is preprocessed by using the basic transaction information in table 1, the determined candidate payment channels may be two, i.e., payment channel a and payment channel B. Namely, after basic transaction information such as transaction amount, card type and the like is filtered, two matched payment channels can be used, namely a payment channel A and a payment channel B. This requires matching of the underlying routing rules in both payment channel a and payment channel B.

As shown in table 4, table 4 is configuration information of a payment channel a and a payment channel B shown in the present disclosure, and example contents of the configuration information are as follows:

table 4 configuration information of Payment channel A and Payment channel B

In some embodiments, the method further comprises:

Here, the core transaction information in the transaction payment request may be compared with the configuration information of the candidate payment channels according to the basic routing rule to obtain the weight scores corresponding to the candidate payment channels, where the weight score corresponding to the payment channel may be a sum of the routing scores corresponding to the transaction information in the payment channel. For example, after comparing the basic transaction information in table 1 with the configuration information of the candidate payment channel in table 4 according to the basic routing rule, the weight score of the payment channel a may be obtained as 20, the weight score of the payment channel B may be obtained as 7, and the payment channel a may be selected as the target payment channel after comparing the weight scores.

As shown in table 5, table 5 illustrates a weight score for one payment channel a and payment channel B shown in the present disclosure, and an example of the weight score is as follows:

TABLE 5 weight scores for Payment channel A and Payment channel B

Payment channel	Weight scoring
		A	20
B	7

In some embodiments, since it may happen that the weighting scores of multiple candidate payment channels are the same, for example, the weighting scores of payment channel a and payment channel B may both be 20, and in this case, the number of candidate payment channels matching the underlying routing rule is two. In the embodiment of the disclosure, when one candidate payment channel is matched with the basic routing rule, the candidate payment channel matched with the basic routing rule is directly determined as the target payment channel, so that the process of selecting the payment channel can be simplified while the optimal payment channel is determined.

In some embodiments, since a scenario with the same weight score of multiple candidate payment channels may occur, in such a scenario, a combined route with a third priority may be determined from at least two candidate routes, a candidate payment channel set may be generated according to at least two candidate payment channels matching the basic routing rule, and a candidate payment channel matching from the candidate payment channel set according to the combined routing rule may be determined as a target payment channel.

The combined route has a combined route rule, the third priority is lower than the second priority, and the combined route can be matched with an available payment channel according to the configured combined route rule. For example, the routing rules such as payment success rate, cost rate, payment process priority of the payment channel may be grouped and combined to obtain a combined routing rule, and the target payment channel may be screened out according to the combined routing rule.

Assuming the same transaction request, at this time, two candidate payment channels, namely payment channel C and payment channel D, are matched with the basic routing rule, and the weight scores are consistent. Screening of the packet routes is required at this time. For example, the first condition to be satisfied by the packet routing rule is [ cards-large-high success rate ], and then the packet routing rule is configured to preferentially select the packet routing rule with a high payment success rate. As shown in table 6, table 6 is a packet routing rule shown in the present disclosure, and an example of the packet routing rule is as follows:

table 6 packet routing rules

For example, there are two candidate payment channels matching the basic routing rule, that is, there are two candidate payment channels in the candidate payment channel set, namely, payment channel C and payment channel D. This requires matching of the combined routing rules in both payment channel C and payment channel D. As shown in table 7, table 7 shows configuration information of a payment channel C and a payment channel D according to the present disclosure, and example contents of the configuration information are as follows:

TABLE 7 Payment channel C and Payment channel D configuration information

Payment channel	Range of quota	Cost rates	Success rate of payment
				C	1-100000	0.03	0.93
D	1-100000	0.02	0.91

In some embodiments, the payment success rates of the candidate payment channels in the candidate payment channel set may be compared according to the combined routing rule, and a candidate payment channel with a higher payment success rate is selected as the target payment channel. As shown in table 7, the payment success rates of the payment channel C and the payment channel D may be compared, and since the payment success rate of the payment channel a is higher, the payment channel a may be selected as the target payment channel.

In the embodiment of the present disclosure, in a case where the weight scores of the plurality of candidate payment channels are the same, a combined route having a third priority may be determined from the at least two alternative routes, and a target payment channel may be determined from the plurality of candidate payment channels having the same weight score according to a combined route rule. The accuracy of the determined target payment channel can be improved compared to randomly determining the target payment channel from a plurality of candidate payment channels having the same weight score.

In some embodiments, the method further comprises:

under the condition that at least two candidate payment channels matched from the candidate payment channel set according to the combined routing rule are available, sequencing the preset priorities of the at least two candidate payment channels matched according to the combined routing rule to obtain a sequencing result; the preset priority of the candidate payment channel is determined according to the stable rate and/or the payment success rate of the candidate payment channel;

and determining the target payment channel according to the sequencing result.

In some embodiments, when there are at least two candidate payment channels matched from the candidate payment channel set according to the combined routing rule, the preset priorities of the at least two candidate payment channels matched according to the combined routing rule may be ranked to obtain a ranking result; determining a target payment channel according to the sequencing result; and determining the preset priority of the candidate payment channel according to the stable rate and/or the payment success rate of the candidate payment channel.

Here, the stability rate and/or the payment success rate of the payment channel may be positively correlated with the preset priority. For example, the higher the stability rate and/or payment success rate of the payment channel is, the higher the preset priority is, and the lower the stability rate and/or payment success rate of the payment channel is, the lower the preset priority is. The stability rate and/or the payment success rate of the candidate payment channel can be determined according to the historical payment information of the candidate payment channel.

In some embodiments, the payment success rate may be weighted based on a first weighting factor to obtain a first weighted value, the stability rate may be weighted based on a second weighting factor to obtain a second weighted value, and the preset priority may be obtained according to a sum of the first weighted value and the second weighted value. The calculation formula of the preset priority may be as follows:

P＝v*w ₁ +s*w ₂ (1)

in formula (1), P represents a preset priority, v represents a payment success rate, w ₁ Identify a first weighting factor, s represents a stabilization rate, w ₂ Representing the second weighting factor. The first weighting coefficient and the second weighting coefficient may be set as needed, for example, the first weighting coefficient may be 0.6, the second weighting coefficient may be 0.4, and the like.

Assuming that at least two candidate payment channels still meet the rule after the packet routing matching, the at least two candidate payment channels may be sorted according to the preset priority, and the candidate payment channel with the highest preset priority is determined as the target payment channel. As shown in table 8, table 8 is an example of a preset priority shown in the present disclosure, and the contents of the example of the preset priority are as follows:

TABLE 8 Preset priority

Payment channel	Range of quota	Supporting transaction types	Success rate of payment	Pre-set priority
					E	1-100000	Consumption, pre-authorization	0.93	11
F	1-1000	Consumption of	0.91	10
					G	500-200000	Pre-authorization	0.93	12

As shown in table 8, the payment success rates of the payment channel E and the payment channel G are the same, the preset priority of the payment channel E is 11, and the preset priority of the payment channel G is 12, and then the payment channel G may be determined as the target payment channel.

In the embodiment of the disclosure, when there are at least two candidate payment channels matched from the candidate payment channel set according to the combined routing rule, the preset priorities of the at least two candidate payment channels may be sorted, and the target payment channel is determined according to the sorting result. Since the preset priority of the candidate payment channel is determined according to the stability rate and/or the payment success rate of the candidate payment channel, the determined stability rate and/or the payment success rate of the target payment channel can be ensured by associating the preset priority with the stability rate and/or the payment success rate of the candidate payment channel.

Fig. 2 is an interaction diagram of a payment routing system according to an exemplary embodiment, as shown in fig. 2, a payment platform 201 may send a transaction payment request to a payment routing system 202, and after receiving the transaction payment request, the payment routing system 202 may extract basic transaction information from the transaction payment request and send the basic transaction information to a channel service 203, and the channel service 203 may verify the basic transaction information. And in the case that the verification passes, returning the payment channel list to the payment routing system 202, after the payment routing system 202 acquires the payment channel list, preprocessing the payment channel list based on the basic transaction information, determining candidate payment channels from the payment channel list, and determining whether the designated route exists. Determining whether a basic route exists under the condition that the specified route does not exist, screening a payment channel through the basic route, determining whether a plurality of payment channels exist after the basic route is screened, determining channel cost (such as payment success rate) of each payment channel under the condition that the plurality of payment channels exist after the basic route is screened, screening a target payment channel through the packet route, and returning the target payment channel and element information related to the target payment channel to the payment platform 201.

In other embodiments, where multiple payment channels exist after the basic routing screening, the target payment channel may be determined based on the channel cost of each payment channel, e.g., the candidate payment channel with the lowest channel cost may be determined as the target payment channel. The channel cost of the payment channel may be determined according to a plurality of parameters, for example, according to a preset weight value, a payment amount, a commission fee, a currency exchange fee, and a payment success rate. The calculation formula of the channel cost may be as follows:

M＝w*[0.7(p-c)/p+0.3(p-r)/p]+v*w (2)

in formula (2), M represents the channel cost, w represents the preset weight value, p represents the payment amount, c represents the handling fee, r represents the currency exchange fee, and v represents the payment success rate.

Fig. 3 is a flowchart illustrating a processing method applied to a payment routing system according to an exemplary embodiment, where the method mainly includes the following steps, as shown in fig. 3:

in step 301, it is determined whether a designated route exists.

In the embodiment of the disclosure, after the payment routing system receives the transaction payment request, the transaction payment request may be analyzed to determine whether the transaction payment request carries the information of the designated channel. If the transaction payment request is determined to carry the specified channel information, the specified channel information can be extracted from the transaction payment request. After the specified channel information is extracted, a specified route having a first priority may be determined from the at least two alternative routes based on the specified channel information.

In step 302, candidate payment channels are matched according to specified routing rules.

Here, in a case where it is determined that the specified route having the first priority exists among the at least two alternative routes, the candidate payment channels may be matched according to the specified route rule.

In step 303, whether there is a candidate payment channel matching the core transaction information.

Here, the core transaction information may include: the information generated when the payment operation for payment of a transaction is triggered may include core information related to the transaction. For example, it may include: merchant number, transaction amount, transaction type, card type, etc. In case the payment routing system needs to perform a matching of the payment channels, the core transaction information may be extracted from the transaction payment request.

Here, in the case where there is a candidate payment channel matching the core transaction information, the candidate payment channel matching the core transaction information is determined as a target payment channel, and is returned to the target payment channel. .

After the core transaction information in the transaction payment request is obtained, the core transaction information can be compared with the configuration information of the candidate payment channel according to the specified routing rule, and if the candidate payment channel matched with the core transaction information is determined to exist based on the comparison result, the candidate payment channel matched with the core transaction information is determined to be the target payment channel.

In step 304, in the absence of a candidate payment channel matching the core transaction information, it is determined whether a base route exists.

In step 305, in the presence of a base route, candidate payment channels are matched based on base routing rules.

Here, in the case where there is no basic route, it is determined that there is no available payment channel.

In step 306, it is determined whether there is one candidate payment channel that matches the underlying routing rule.

Here, in the case where there is one candidate payment channel matching the basic routing rule, the one candidate payment channel matching the basic routing rule is determined as the target payment channel, and returned to the target payment channel.

In step 307, candidate payment channels are matched based on the combined routing rules.

Here, in the case where there are at least two candidate payment channels matched with the base routing rule, the candidate payment channels are matched based on the combined routing rule.

In step 308, whether the candidate payment channel matching the combined routing rule is one.

In step 309, the candidate payment channel with the highest preset priority is selected as the target payment channel.

Here, under the condition that there are at least two candidate payment channels matched from the candidate payment channel set according to the combined routing rule, sorting the preset priorities of the at least two candidate payment channels matched according to the combined routing rule to obtain a sorting result; and determining a target payment channel according to the sequencing result. For example, the candidate payment channel with the highest preset priority may be selected as the target payment channel, and the target payment channel is returned.

And under the condition that one candidate payment channel matched with the combined routing rule is used, determining the candidate payment channel matched with the combined routing rule as a target payment channel, and returning to the target payment channel.

According to the processing method applied to the payment routing system, under the condition that a transaction payment request is detected, basic transaction information can be extracted from the transaction payment request, a payment channel list acquired from a channel service is preprocessed by using the basic transaction information, candidate payment channels are determined from the payment channel list, then the candidate payment channels are screened by using the routing rules of the alternative routes in sequence according to the priority of the alternative routes, and a target payment channel is determined from the candidate payment channels.

According to the method, at least two alternative routes are arranged in the payment routing system, the priorities of the alternative routes are different, after a payment channel list acquired from channel service is preprocessed by basic transaction information, the candidate payment channels determined from the payment channel list are subjected to multilayer screening through the routing rules of the alternative routes, and the determined target payment channels can better meet the requirements of users through the multilayer screening.

Fig. 4 is a block diagram illustrating a processing device applied to a payment routing system, according to an example embodiment. The payment routing system includes at least two alternative routes, and the priority of each alternative route is different, as shown in fig. 4, the processing device 40 mainly includes:

an information extraction module 41 configured to extract basic transaction information from a transaction payment request in case of detection of the transaction payment request;

a preprocessing module 42 configured to preprocess a payment channel list obtained from a channel service by using the basic transaction information, and determine candidate payment channels from the payment channel list;

and the screening module 43 is configured to sequentially use the routing rules of each alternative route to perform screening processing on the candidate payment channels according to the priority of each alternative route, and determine a target payment channel from the candidate payment channels.

In some embodiments, the screening module 43 is configured to:

the specified route is not present in the at least two alternative routes, or

and under the condition that one candidate payment channel matched with the basic routing rule is the target payment channel, determining the candidate payment channel matched with the basic routing rule as the target payment channel.

In some embodiments, the screening module 43 is configured to:

In some embodiments, the apparatus 40 further comprises:

the sorting module is configured to sort the preset priorities of the at least two candidate payment channels matched according to the combined routing rule under the condition that the number of the candidate payment channels matched from the candidate payment channel set according to the combined routing rule is at least two, so as to obtain a sorting result; the preset priority of the candidate payment channel is determined according to the stable rate and/or the payment success rate of the candidate payment channel;

In some embodiments, the apparatus 40 further comprises:

Fig. 5 is a block diagram illustrating a hardware configuration of a processing device applied to a payment routing system according to an exemplary embodiment. For example, the apparatus 400 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, an exercise device, a personal digital assistant, and the like.

Referring to fig. 5, the apparatus 400 may include one or more of the following components: processing components 402, memory 404, power components 406, multimedia components 408, audio components 410, input/output (I/O) interfaces 412, sensor components 414, and communication components 416.

The processing component 402 generally controls overall operation of the device 400, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing component 402 may include one or more processors 420 to execute instructions to perform all or a portion of the steps of the methods described above. Further, processing component 402 may include one or more modules that facilitate interaction between processing component 402 and other components. For example, the processing component 402 can include a multimedia module to facilitate interaction between the multimedia component 408 and the processing component 402.

The memory 404 is configured to store various types of data to support operations at the apparatus 400. Examples of such data include instructions for any application or method operating on the device 400, contact data, phonebook data, messages, pictures, videos, and so forth. The memory 404 may be implemented by any type or combination of volatile or non-volatile storage devices, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.

Power supply components 406 provide power to the various components of device 400. The power components 406 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power for the apparatus 400.

The multimedia component 408 includes a screen providing an output interface between the device 400 and the user. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 408 includes a front facing camera and/or a rear facing camera. The front camera and/or the rear camera may receive external multimedia data when the apparatus 400 is in an operation mode, such as a photographing mode or a video mode. Each front camera and rear camera may be a fixed optical lens system or have a focal length and optical zoom capability.

The audio component 410 is configured to output and/or input audio signals. For example, audio component 410 includes a Microphone (MIC) configured to receive external audio signals when apparatus 400 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signal may further be stored in the memory 404 or transmitted via the communication component 416. In some embodiments, audio component 410 also includes a speaker for outputting audio signals.

The I/O interface 412 provides an interface between the processing component 402 and peripheral interface modules, which may be keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to: a home button, a volume button, a start button, and a lock button.

The sensor component 414 includes one or more sensors for providing various aspects of status assessment for the apparatus 400. For example, the sensor assembly 414 may detect an open/closed state of the apparatus 400, the relative positioning of the components, such as a display and keypad of the apparatus 400, the sensor assembly 414 may also detect a change in the position of the apparatus 400 or a component of the apparatus 400, the presence or absence of user contact with the apparatus 400, orientation or acceleration/deceleration of the apparatus 400, and a change in the temperature of the apparatus 400. The sensor assembly 414 may include a proximity sensor configured to detect the presence of a nearby object without any physical contact. The sensor assembly 414 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 414 may also include an acceleration sensor, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.

The communication component 416 is configured to facilitate wired or wireless communication between the apparatus 400 and other devices. The apparatus 400 may access a wireless network based on a communication standard, such as WiFi, 4G, or 5G, or a combination thereof. In an exemplary embodiment, the communication component 416 receives broadcast signals or broadcast related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 416 further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, ultra Wideband (UWB) technology, bluetooth (BT) technology, and other technologies.

In an exemplary embodiment, the apparatus 400 may be implemented by one or more Application Specific Integrated Circuits (ASICs), digital Signal Processors (DSPs), digital Signal Processing Devices (DSPDs), programmable Logic Devices (PLDs), field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described methods.

In an exemplary embodiment, a non-transitory computer-readable storage medium comprising instructions, such as the memory 404 comprising instructions, executable by the processor 420 of the apparatus 400 to perform the above-described method is also provided. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

A non-transitory computer-readable storage medium in which instructions, when executed by a processor of a payment routing system, enable the payment routing system to perform a processing method applied to the payment routing system, the method comprising:

extracting basic transaction information from a transaction payment request in case of detecting the transaction payment request;

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice in the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A processing method applied to a payment routing system, wherein the payment routing system comprises at least two alternative routes, and the priority of each alternative route is different, the method comprising:

2. The method as claimed in claim 1, wherein the step of sequentially screening the candidate payment channels by using the routing rules of the alternative routes according to the priority of each alternative route to determine a target payment channel from the candidate payment channels comprises:

3. The method of claim 2, wherein determining the candidate payment channel matched according to the specified routing rule as the target payment channel comprises:

4. The method according to claim 2, wherein the step of sequentially screening the candidate payment channels by using the routing rules of the alternative routes according to the priority of each alternative route to determine a target payment channel from the candidate payment channels comprises:

the specified route is not present in the at least two alternative routes, or

5. The method as claimed in claim 4, wherein the step of sequentially screening the candidate payment channels according to the priority of each of the alternative routes by using the routing rule of each of the alternative routes to determine a target payment channel from the candidate payment channels comprises:

6. The method of claim 5, further comprising:

and determining the target payment channel according to the sequencing result.

7. The method according to claim 4 or 5, further comprising:

8. A processing apparatus applied to a payment routing system, wherein the payment routing system includes at least two alternative routes, and the priority of each alternative route is different, the apparatus comprising:

the information extraction module is configured to extract basic transaction information from the transaction payment request under the condition that the transaction payment request is detected;

9. The apparatus of claim 8, wherein the filtering module is configured to:

10. The apparatus of claim 9, wherein the screening module is configured to:

11. The apparatus of claim 9, wherein the filtering module is configured to:

the specified route is not present in the at least two alternative routes, or

12. The apparatus of claim 11, wherein the screening module is configured to:

13. The apparatus of claim 12, further comprising:

14. The apparatus of claim 11 or 12, further comprising:

15. A processing apparatus applied to a payment routing system, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to: when executed, implement the steps of any of the above claims 1 to 7 in a processing method applied to a payment routing system.

16. A non-transitory computer readable storage medium having instructions stored thereon which, when executed by a processor of a processing apparatus applied to a payment routing system, cause the apparatus to perform the steps of any of claims 1 to 7 as applied to a processing method of a payment routing system.