CN106127480A - transaction payment method and system - Google Patents
transaction payment method and system Download PDFInfo
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- CN106127480A CN106127480A CN201610430403.9A CN201610430403A CN106127480A CN 106127480 A CN106127480 A CN 106127480A CN 201610430403 A CN201610430403 A CN 201610430403A CN 106127480 A CN106127480 A CN 106127480A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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Abstract
The invention discloses a kind of transaction payment method and system, wherein transaction payment method includes: collect merchant requests parameter；Coupling guides route to recommend masterplate, obtains list of brands；Call payment route, with the optimum payment channel of screening output；Generate and pay the page；Obtain selected bank card kind and the card number being transfused to；Judge whether card number card bin supports to export optimum payment channel, if, then use photos and sending messages under the optimum payment channel of output, show the channel elements of the optimum payment channel of output, fill in for user and complete to pay, if not, the most again call payment route, again to screen the optimum payment channel of output from the payment channel of card bin supporting described card number, and use photos and sending messages under the up-to-date output optimum payment channel filtered out, show the channel elements of the up-to-date optimum payment channel of the output filtered out.The present invention can make up in prior art and pay low success rate of deficiency, improves and pays success rate lifting income, reduces cost.
Description
Technical field
The present invention relates to internet payment field, particularly relate to a kind of transaction payment method and system.
Background technology
Along with increasing of shopping online, the rapidity of online payment and convenience require more and more higher.Generally user is entering
During row online payment, Website front-end can show that one or more channel of disbursement select for user, pays canal in the selected one of user
Behind road, backstage, website by interconnecting with corresponding bank or other organization data, completes to pay again.Using the above-mentioned means of payment
Time website be generally only all of channel of disbursement be shown to user by the way of enumerating, in these channel of disbursement some
Channel is likely that there are unavailable or pays the problems such as failed probability is the highest, but for a user, tends not to the palm
Hold the concrete condition of each channel of disbursement, only select with personal like, once choose unavailable or pay unsuccessfully general
The channel of disbursement that rate is the highest, may result in the unsuccessful situation of payment and occurs.
Summary of the invention
The technical problem to be solved in the present invention is to overcome website in prior art to be generally only all of payment canal
Road is shown to the low success rate of defect of payment that user selects for user to be caused by the way of enumerating, it is provided that a kind of
The payment channel that state can be used optimal completes the transaction payment method and system paid.
The present invention is to solve above-mentioned technical problem by the following technical programs:
The present invention provides a kind of transaction payment method, is characterized in, comprises the following steps:
S1, collect merchant requests parameter；
S2, according to described merchant requests parameter coupling guide route recommend masterplate, obtain list of brands；
S3, call payment route according to described list of brands, with the screening optimum payment channel of output；
S4, generate pay the page, the described payment page shows alternative bank card kind；
S5, obtain selected bank card kind and the card number being transfused to；
S6, judge whether the card bin (bank identifier code) of described card number supports the described optimum payment channel of output, if
It is then to perform S7, if it is not, then perform S8；
S7, use photos and sending messages under the described optimum payment channel of output, show that the passage of the optimum payment channel of described output is wanted
Element, fills in for user and completes to pay, then terminate flow process；
S8, again call described pay route, with from support described card number card bin payment channel in again screen defeated
Go out optimum payment channel, and use photos and sending messages under the up-to-date output optimum payment channel filtered out, show up-to-date filter out defeated
Go out the channel elements of optimum payment channel, fill in for user and complete to pay, then terminate flow process.
It is preferred that described payment is routed through the following steps screening optimum payment channel of output:
T1, judge whether trading order form is excessive risk order, the most then perform T2, if it is not, then perform T3；
T2, output be applicable to the payment channel of excessive risk order as the optimum payment channel of output, then jump out payment road
By；
T3, the payment brand checked in described list of brands whether there is short circuit route, the most then perform T4, if it is not, then
Perform T5；
T4, export the described short circuit dedicated tunnel specified of route as the optimum payment channel of output, then jump out payment road
By；
T5, payment channel that the payment brand checked in described list of brands is corresponding whether there is the packet route of correspondence,
The most then perform T6, if it is not, then perform T7；
T6, determine the optimum payment channel of output according to packet route, then jump out payment route；
T7, counterpart expenditure passage, alternately payment channel in the payment brand that obtains in described list of brands, count respectively
Calculate the passage fee of each alternative payment channel, the minimum alternative payment channel of output rate as the optimum payment channel of output,
Then payment route is jumped out.
It is preferred that described packet route includes:
Inquire about the shunting weighted value of each payment channel, transaction quota and the turnover being complete, described transaction quota
Including dealing money quota or transaction count quota, described turnover includes conclude the business total amount or transaction total degree；
The payment channel of the turnover that screening is complete not up to transaction quota；
The PayPal that transaction quota is minimum with the difference of the trading volume being complete is chosen from the payment channel filtered out
Road is as the optimum payment channel of output, or the ratio of shunting weighted value based on each payment channel and each payment channel are complete
The ratio of turnover select the optimum payment channel of output.
It is preferred that T2Also include: if there is multiple payment channel being applicable to excessive risk order, then select rate minimum
Payment channel, as the optimum payment channel of output, then jumps out payment route；If the minimum payment channel of rate is multiple, then select
Select the many payment channel of key element as the optimum payment channel of output, then jump out payment route.
It is preferred that merchant requests parameter includes one or more in following parameter: conclude the business scene, trade company's industry, trade company
ID, type of transaction, dealing money, wind control score value.
The present invention also provides for a kind of trading payment system, is characterized in, including: transaction route system and guiding route system
System, described guiding route system includes collection module, matching module, generation module, acquisition module, judge module, the first payment
Module and the second payment module；Described transaction route system includes paying route；
Collection module, is used for collecting merchant requests parameter；
Matching module, for guiding route to recommend masterplate according to described merchant requests parameter coupling, obtains list of brands, root
Payment route is called, with the optimum payment channel of screening output according to described list of brands；
Generation module, is used for generating the payment page, and the described payment page shows alternative bank card kind；
Acquisition module, for obtaining selected bank card kind and the card number being transfused to；
Judge module, for judging whether the card bin of described card number supports the optimum payment channel of described output, the most then
Call the first payment module, if it is not, then call the second payment module；
First payment module, is used for using photos and sending messages under the optimum payment channel of described output, shows described output optimum
Pay the channel elements of passage, fill in for user and complete to pay；
Second payment module, route for again calling described payment, with the PayPal from the card bin supporting described card number
In road, screening exports optimum payment channel again, and uses photos and sending messages under the up-to-date output optimum payment channel filtered out, and shows
The channel elements of the up-to-date optimum payment channel of the output filtered out, fills in for user and completes to pay.
It is preferred that described payment is routed through the following unit screening optimum payment channel of output:
First judging unit, is used for judging whether trading order form is excessive risk order, the most then calls the first output list
Unit, if it is not, then call the second judging unit；
First output unit, is applicable to the payment channel of excessive risk order as the optimum payment channel of output for output,
Then payment route is jumped out；
Second judging unit, for checking whether the payment brand in described list of brands exists short circuit route, the most then
Call the second output unit, if it is not, then call the 3rd judging unit；
Second output unit, for exporting the described short circuit dedicated tunnel specified of route as the optimum payment channel of output,
Then payment route is jumped out；
3rd judging unit, right for checking whether the payment channel that the payment brand in described list of brands is corresponding exists
The packet route answered, the most then call the 3rd output unit, if it is not, then call the 4th output unit；
3rd output unit, for determining the optimum payment channel of output according to packet route, then jumps out payment route；
4th output unit, for obtaining counterpart expenditure passage in the payment brand in described list of brands, alternately
Payment channel, calculates the passage fee of each alternative payment channel respectively, exports the minimum alternative payment channel of rate as defeated
Go out optimum payment channel, then jump out payment route.
It is preferred that described packet route includes:
Query unit, for inquiring about the shunting weighted value of each payment channel, transaction quota and the turnover being complete,
Described quota of concluding the business includes dealing money quota or transaction count quota, and described turnover includes transaction total amount or concludes the business total time
Number；
Screening unit, for the payment channel of the turnover not up to transaction quota that screening is complete；
Selected cell, for choosing the difference of transaction quota and the trading volume being complete from the payment channel filtered out
Minimum payment channel is as the optimum payment channel of output, or the ratio of shunting weighted value based on each payment channel and each payment
The ratio of the turnover that passage is complete selects the optimum payment channel of output.
If it is preferred that the first output unit is additionally operable to there is multiple payment channel being applicable to excessive risk order, then selecting
The minimum payment channel of rate, as the optimum payment channel of output, then jumps out payment route；If the payment channel that rate is minimum
For multiple, then select the payment channel that key element is many as the optimum payment channel of output, then jump out payment route.
It is preferred that merchant requests parameter includes one or more in following parameter: conclude the business scene, trade company's industry, trade company
ID, type of transaction, dealing money, wind control score value.
On the basis of meeting common sense in the field, above-mentioned each optimum condition, can combination in any, obtain each preferable reality of the present invention
Example.
The most progressive effect of the present invention is: the present invention can show the means of payment to user, paying product and prop up
Before paying brand, first all of means of payment, payment product and payment brand are carried out filter analysis, select and be suitable for current transaction
The means of payment, pay product and payment brand, it is therefore prevented that user choose unavailable or pay the low success rate of means of payment,
Pay product and payment brand and cause paying unsuccessfully, reached to improve the beneficial effect paying success rate with reducing payment cost.
Meanwhile, the present invention can also choose the payment channel of optimum after determining the means of payment, paying product and payment brand,
Pay efficiency further up to improving, balance the beneficial effect of the turnover of each payment channel.It addition, the present invention can also be controlled
Ways of presentation processed and payment brand sequence guide user to select, and reach to promote income, reduce cost.
Accompanying drawing explanation
Fig. 1 is the means of payment, pays product, physical relationship schematic diagram between payment brand and payment channel.
Fig. 2 is the flow chart of the transaction payment method of present pre-ferred embodiments.
Fig. 3 is the stream paying the route optimum payment channel of screening output of the transaction payment method of present pre-ferred embodiments
Cheng Tu.
Fig. 4 is the system block diagram of the trading payment system of present pre-ferred embodiments.
Detailed description of the invention
Further illustrate the present invention below by the mode of embodiment, but the most therefore limit the present invention to described reality
Execute among example scope.
Embodiment
First, some nouns related to the present embodiment illustrate:
1, the means of payment: the means of payment is the packaging that inside pays product, i.e. payment is produced by the demand of outside trade company
Product are packaged into a kind of means of payment and are supplied to outside trade company.Such as Credit Card Payments, can be divided into credit card MOTO in inside
And credit card protocols.
2, product is paid: pay product according to the different of different dimensions exploitation packaging such as channel, function, prices.Such as credit
Card MOTO, credit card protocols, deposit card MOTO, deposit card agreement etc..
3, payment brand: for paying product, can include multiple payment brand under a payment product；For propping up
For paying passage, a payment brand is that the classification to multiple payment channel divides.As credit card MOTO can include industrial and commercial bank, build
OK, multiple payment brand such as Bank of Communications.
4, payment channel: can be according to the different factor such as channel, practical use, price that accesses by physical payment chain k-path partition
Become logic payment channel.As [industrial and commercial bank] this payment brand can include industrial and commercial bank's direct connection, two payment channel of Unionpay of industrial and commercial bank.
The means of payment, pay product, physical relationship between payment brand and payment channel as shown in Figure 1.Propping up in figure
The mode of paying, pay product, payment brand also concrete kind with payment channel and be for only for ease of the illustration of understanding, this
Bright it is not limited to this.Each means of payment can include that multiple payment product, each payment product can include again multiple
Paying brand, each payment brand can include again multiple payment channel.
A preferred embodiment of the transaction payment method of the present invention is specifically described below, and wherein, a side of transaction is trade company,
The opposing party of transaction is user, and user produces dealing agreement by the way of placing an order with trade company.As in figure 2 it is shown, transaction payment
Method comprises the following steps:
Step 101, collection merchant requests parameter.Merchant requests parameter includes one or more in following parameter: transaction
Scene, trade company's industry, trade company ID, type of transaction, dealing money, wind control score value.Wherein, trade company's industry is mainly used for characterizing business
The Main Management business at family, can be set according to practical situation, such as air ticket class, hotel's class etc.；Wind control score value is mainly used
In the safety of evaluation order, can be given by other wind control platform.
Step 102, according to described merchant requests parameter coupling guide route recommend masterplate, obtain list of brands.Wherein, institute
Stating guiding route recommends masterplate to include merchant requests parameter preferred payment brand when different value, or multiple merchant requests ginseng
The combination of number is preferred payment brand when different value.Described guiding route recommends masterplate can preset and be stored in clothes
On business cluster or miscellaneous equipment, transfer for described transaction payment method.Step 102 is drawn according to described merchant requests parameter coupling
Guide passage, by recommending masterplate, selects the payment brand corresponding with the merchant requests parameter collected (when have selected payment brand also
Determine that its affiliated means of payment and pay product), those payment brands constitute list of brands.
Step 103, call payment route according to described list of brands, with the screening optimum payment channel of output.Specifically, as
Shown in Fig. 3, described payment is routed through the following steps screening optimum payment channel of output:
Step 201, judge whether trading order form is excessive risk order, the most then perform step 202, if it is not, then perform step
Rapid 203, wherein, described excessive risk order refers to the wind control score value order higher than a certain threshold value, and wind control score value is less than or equal to being somebody's turn to do
The order of threshold value is non-excessive risk order；
Step 202, output are applicable to the payment channel of excessive risk order as the optimum payment channel of output, then jump out
Paying route, wherein, if there is multiple payment channel being applicable to excessive risk order, then selecting the payment channel conduct that rate is minimum
The optimum payment channel of output, then jumps out payment route；If the minimum payment channel of rate is multiple, then select key element many
Paying passage as the optimum payment channel of output, then jump out payment route, the most each payment channel is designed with rate, usual takes
The Zhi Shiyou bank of rate determines；
Whether step 203, the payment brand checked in described list of brands exist short circuit route, the most then perform step
204, if it is not, then perform step 205；
Step 204, export the described short circuit dedicated tunnel specified of route as the optimum payment channel of output, then jump out
Pay route；
Whether the payment channel that step 205, the payment brand checked in described list of brands are corresponding exists the packet of correspondence
Route, the most then perform step 206, if it is not, then perform step 207；
Step 206, determine the optimum payment channel of output according to packet route, then jump out payment route；
Counterpart expenditure passage, alternately payment channel in step 207, the payment brand obtained in described list of brands,
Calculating the passage fee of each alternative payment channel respectively, the alternative payment channel that output rate is minimum pays as output optimum
Passage, then jumps out payment route.
Step 104, generation pay the page, and the described payment page shows alternative bank card kind.The described payment page
Conventional bank card recommendation list can also be included.Described conventional bank card recommendation list includes: the front bank used that once concludes the business
Card, and/or, the transaction of front n times uses one or more bank cards that frequency is the highest, and N is the positive integer more than or equal to 2.
Step 105, obtain selected bank card kind and the card number being transfused to.Bank card kind by user at described
Paying and choose on the page, described card number is that user inputs on the described payment page.
Step 106, judge whether the card bin of described card number supports the described optimum payment channel of output, the most then perform step
Rapid 107, if it is not, then perform step 108.
Step 107, use photos and sending messages under the described optimum payment channel of output, show the logical of the optimum payment channel of described output
Road key element, fills in for user and completes to pay, then terminate flow process.
Step 108, again call described pay route, with from support described card number card bin payment channel in again
The optimum payment channel of screening output, and use photos and sending messages under the up-to-date output optimum payment channel filtered out, show up-to-date screening
The channel elements of the optimum payment channel of output gone out, fills in for user and completes to pay, then terminate flow process.
Being described further packet route below, described packet route includes:
The transaction quota inquiring about each payment channel and the turnover being complete, described transaction quota includes dealing money
Quota or transaction count quota, described turnover includes conclude the business total amount or transaction total degree；
The payment channel of the turnover that screening is complete not up to transaction quota；
The PayPal that transaction quota is minimum with the difference of the trading volume being complete is chosen from the payment channel filtered out
Road is as the optimum payment channel of output, or the ratio of shunting weighted value based on each payment channel and each payment channel are complete
The ratio of turnover select the optimum payment channel of output.
Such as, having tri-payment channel of A1, B1, C1, wherein the rate of A1 passage is 1%, and the rate of B1 passage is
The rate of 1.2%, C1 passage is 1.1%, then in three passages, and A1 passage is the payment channel that the fee is minimum.In this example
Transaction is rated for dealing money quota, and the turnover being complete is the transaction total amount being complete.Assume dividing of A1 passage
Stream weighted value is 50, and transaction is rated for 1000w, currently has occurred that the transaction flow of 995w；The shunting weighted value of A2 passage
It is 30, no deal quota, currently have occurred that the transaction flow of 500w；The shunting weighted value of A3 passage is 40, transaction quota
For 500w, currently having occurred that 400w, a consumer sale now occurs, its amount of money is 5W.According to from propping up of filtering out
Pay the payment channel choosing transaction quota minimum with the difference of the trading volume being complete in passage as the optimum PayPal of output
The mode in road, then process is as follows: A1 passage and A3 passage equal not met transaction quota, A1 passage is concluded the business quota and is complete
The difference minimum that difference is 100w, A1 passage that the difference of trading volume is 5w, A3 passage transaction quota and the trading volume being complete, then
Using A1 passage as the optimum payment channel of output.Ratio and each payment channel according to shunting weighted value based on each payment channel
The ratio of the turnover being complete selects the mode of the optimum payment channel of output, then process is as follows: the shunting power of A1, A2, A3
The ratio of weight values is 50:30:40, and the ratio of the turnover that A1, A2, A3 are complete is 995:500:400, it should allow A1, A2, A3
The ratio of the turnover through completing is as far as possible close to the ratio of shunting weighted value of A1, A2, A3, so selecting A3 passage as output optimum
Payment channel.
It is rated for transaction count quota in transaction, when the turnover being complete is the transaction total degree being complete, that
, with reference to upper example, the transaction count that screening is complete is not up to the payment channel of transaction count quota, from the payment filtered out
The payment channel choosing transaction total degree minimum with the difference of the transaction count being complete in passage pays as output optimum
Passage.
The transaction payment method of the present embodiment can improve the success rate of payment, reduces payment cost, especially with propping up
Paying Route Selection output optimum payment channel, utilizing the optimum payment channel of described output to complete payment can further increase
Pay success rate, reduce payment cost, payment channel over loading can also be prevented simultaneously, improve and pay efficiency.
One preferred embodiment of the trading payment system of the present invention, as shown in Figure 4, described trading payment system includes: hand over
Easily route system 301 and guiding route system 302.Described guiding route system include collection module 3011, matching module 3012,
Generation module 3013, acquisition module 3014, judge module the 3015, first payment module 3016 and the second payment module 3017；Institute
State transaction route system to include paying route 3021.
Collection module 3011, is used for collecting merchant requests parameter.Merchant requests parameter include the one in following parameter or
Multiple: transaction scene, trade company's industry, trade company ID, type of transaction, dealing money, wind control score value.Wherein, trade company's industry is mainly
For characterizing the Main Management business of trade company, can be set according to practical situation, such as air ticket class, hotel's class etc.；Wind control divides
Value is mainly used for evaluating the safety of order, can be given by other wind control platform.
Matching module 3012, for guiding route to recommend masterplate according to described merchant requests parameter coupling, obtains brand row
Table, calls payment route 3021 according to described list of brands, with the optimum payment channel of screening output.Wherein, described guiding route
Recommend masterplate to include merchant requests parameter preferred payment brand when different value, or the combination of multiple merchant requests parameter exists
Preferred payment brand during different value.Described guide route recommend masterplate can preset and be stored in service cluster or its
On its equipment, transfer for described trading payment system.Matching module guides route to push away according to described merchant requests parameter coupling
Recommending masterplate, select the payment brand corresponding with the merchant requests parameter collected, those payment brands constitute list of brands.
Generation module 3013, is used for generating the payment page, and the described payment page shows alternative bank card kind.Described
Pay the page and can also include conventional bank card recommendation list.Described conventional bank card recommendation list includes: front once transaction makes
Bank card, and/or, the transaction of front n times uses the highest one or more bank cards of frequency, and N is the most whole more than or equal to 2
Number.
Acquisition module 3014, for obtaining selected bank card kind and the card number being transfused to.Bank card kind by with
Family is chosen on the described payment page, and described card number is that user inputs on the described payment page.
Judge module 3015, for judging whether the card bin of described card number supports the optimum payment channel of described output, if
It is then to call the first payment module 3016, if it is not, then call the second payment module 3017.
First payment module 3016, is used for using photos and sending messages under the optimum payment channel of described output, shows that described output is
The channel elements of excellent payment channel, fills in for user and completes to pay.
Second payment module 3017, route for again calling described payment, with propping up from the card bin of the described card number of support
Pay and passage screen output optimum payment channel again, and use photos and sending messages under the up-to-date output optimum payment channel filtered out,
Show the channel elements of the up-to-date optimum payment channel of the output filtered out, fill in for user and complete to pay.
The described route 3021 that pays is used for screening the optimum payment channel of output, especially by following unit screening output optimum
Payment channel:
First judging unit, is used for judging whether trading order form is excessive risk order, the most then calls the first output list
Unit, if it is not, then call the second judging unit, wherein, described excessive risk order refers to the wind control score value order higher than a certain threshold value,
Wind control score value is non-excessive risk order less than or equal to the order of this threshold value；
First output unit, is applicable to the payment channel of excessive risk order as the optimum payment channel of output for output,
Then jumping out payment route, wherein, if there is multiple payment channel being applicable to excessive risk order, then selecting minimum the propping up of rate
Pay passage as the optimum payment channel of output, then jump out payment route；If the minimum payment channel of rate is multiple, then select
The many payment channel of key element, as the optimum payment channel of output, then jumps out payment route, and the most each payment channel is designed with
Rate, the Zhi Shiyou bank of usual rate determines；
Second judging unit, for checking whether the payment brand in described list of brands exists short circuit route, the most then
Call the second output unit, if it is not, then call the 3rd judging unit；
Second output unit, for exporting the described short circuit dedicated tunnel specified of route as the optimum payment channel of output,
Then payment route is jumped out；
3rd judging unit, right for checking whether the payment channel that the payment brand in described list of brands is corresponding exists
The packet route answered, the most then call the 3rd output unit, if it is not, then call the 4th output unit；
3rd output unit, for determining the optimum payment channel of output according to packet route, then jumps out payment route；
4th output unit, for obtaining counterpart expenditure passage in the payment brand in described list of brands, alternately
Payment channel, calculates the passage fee of each alternative payment channel respectively, exports the minimum alternative payment channel of rate as defeated
Go out optimum payment channel, then jump out payment route.
Being described further packet route below, described packet route includes:
Query unit, for inquiring about the shunting weighted value of each payment channel, transaction quota and the turnover being complete,
Described quota of concluding the business includes dealing money quota or transaction count quota, and described turnover includes transaction total amount or concludes the business total time
Number；
Screening unit, for the payment channel of the turnover not up to transaction quota that screening is complete；
Selected cell, for choosing the difference of transaction quota and the trading volume being complete from the payment channel filtered out
Minimum payment channel is as the optimum payment channel of output, or the ratio of shunting weighted value based on each payment channel and each payment
The ratio of the turnover that passage is complete selects the optimum payment channel of output.
The transaction payment method and system of the present embodiment have the highest rapidity and convenience, it is possible to showing to user
Before the means of payment, payment product and payment brand, first all of means of payment, payment product and payment brand are filtered
Analyze, select and be suitable for the means of payment of current transaction, payment product and payment brand, it is therefore prevented that user chooses unavailable or pays
The low success rate of means of payment, pay product and payment brand and cause paying unsuccessfully, reach raising payment success rate and fall
The beneficial effect of low payment cost.Meanwhile, the present invention can also determine the means of payment, pay product and payment brand it
After, choose the payment channel of optimum, pay efficiency further up to improving, balance the useful effect of the turnover of each payment channel
Really.
Although the foregoing describing the detailed description of the invention of the present invention, it will be appreciated by those of skill in the art that these
Being merely illustrative of, protection scope of the present invention is defined by the appended claims.Those skilled in the art is not carrying on the back
On the premise of the principle and essence of the present invention, these embodiments can be made various changes or modifications, but these change
Protection scope of the present invention is each fallen within amendment.
Claims (10)
1. a transaction payment method, it is characterised in that comprise the following steps:
S1, collect merchant requests parameter；
S2, according to described merchant requests parameter coupling guide route recommend masterplate, obtain list of brands；
S3, call payment route according to described list of brands, with the screening optimum payment channel of output；
S4, generate pay the page, the described payment page shows alternative bank card kind；
S5, obtain selected bank card kind and the card number being transfused to；
S6, judge whether the card bin of described card number supports the described optimum payment channel of output, the most then perform S7, if it is not, then hold
Row S8；
S7, use photos and sending messages under the described optimum payment channel of output, show the channel elements of the optimum payment channel of described output, with
Fill in for user and complete to pay, then terminate flow process；
S8, again call and described pay route, with from the payment channel of card bin supporting described card number again screening export
Excellent payment channel, and use photos and sending messages under the up-to-date output optimum payment channel filtered out, shows that the up-to-date output filtered out is
The channel elements of excellent payment channel, fills in for user and completes to pay, then terminate flow process.
2. transaction payment method as claimed in claim 1, it is characterised in that it is defeated that described payment is routed through following steps screening
Go out optimum payment channel:
T1, judge whether trading order form is excessive risk order, the most then perform T2, if it is not, then perform T3；
T2, output be applicable to the payment channel of excessive risk order as the optimum payment channel of output, then jump out payment route；
T3, the payment brand checked in described list of brands whether there is short circuit route, the most then perform T4, if it is not, then perform
T5；
T4, export the described short circuit dedicated tunnel specified of route as the optimum payment channel of output, then jump out payment route；
T5, payment channel that the payment brand checked in described list of brands is corresponding whether there is the packet route of correspondence, if so,
Then perform T6, if it is not, then perform T7；
T6, determine the optimum payment channel of output according to packet route, then jump out payment route；
T7, counterpart expenditure passage, alternately payment channel in the payment brand that obtains in described list of brands, calculate each respectively
The passage fee of alternative payment channel, exports the minimum alternative payment channel of rate as exporting optimum payment channel, then
Jump out payment route.
3. transaction payment method as claimed in claim 2, it is characterised in that described packet route includes:
Inquiring about the shunting weighted value of each payment channel, transaction quota and the turnover being complete, described transaction quota includes
Dealing money quota or transaction count quota, described turnover includes conclude the business total amount or transaction total degree；
The payment channel of the turnover that screening is complete not up to transaction quota；
The payment channel choosing transaction quota minimum with the difference of the trading volume being complete from the payment channel filtered out is made
For exporting optimum payment channel, or the friendship that the ratio of shunting weighted value based on each payment channel and each payment channel are complete
Easily the ratio of volume selects the optimum payment channel of output.
4. transaction payment method as claimed in claim 2, it is characterised in that T2Also include: multiple be applicable to excessive risk if existing
The payment channel of order, then the payment channel that selection rate is minimum, as the optimum payment channel of output, then jumps out payment route；
If the minimum payment channel of rate is multiple, then selects the payment channel that key element is many as the optimum payment channel of output, then jump
Go out to pay route.
5. transaction payment method as claimed in claim 1, it is characterised in that merchant requests parameter includes in following parameter
Plant or multiple: transaction scene, trade company's industry, trade company ID, type of transaction, dealing money, wind control score value.
6. a trading payment system, it is characterised in that including: transaction route system and guiding route system, described guiding road
Included that collection module, matching module, generation module, acquisition module, judge module, the first payment module and second pay by system
Module；Described transaction route system includes paying route；
Collection module, is used for collecting merchant requests parameter；
Matching module, for guiding route to recommend masterplate according to described merchant requests parameter coupling, obtains list of brands, according to institute
State list of brands and call payment route, with the optimum payment channel of screening output；
Generation module, is used for generating the payment page, and the described payment page shows alternative bank card kind；
Acquisition module, for obtaining selected bank card kind and the card number being transfused to；
Judge module, for judging whether the card bin of described card number supports the optimum payment channel of described output, the most then calls
First payment module, if it is not, then call the second payment module；
First payment module, is used for using photos and sending messages under the optimum payment channel of described output, shows the optimum PayPal of described output
The channel elements in road, fills in for user and completes to pay；
Second payment module, route for again calling described payment, with from the payment channel of card bin supporting described card number
Again the optimum payment channel of screening output, and use photos and sending messages under the up-to-date output optimum payment channel filtered out, show up-to-date
The channel elements of the optimum payment channel of output filtered out, fills in for user and completes to pay.
7. trading payment system as claimed in claim 6, it is characterised in that it is defeated that described payment is routed through the screening of following unit
Go out optimum payment channel:
First judging unit, is used for judging whether trading order form is excessive risk order, the most then calls the first output unit, if
No, then call the second judging unit；
First output unit, is applicable to the payment channel of excessive risk order as exporting optimum payment channel, then for output
Jump out payment route；
Second judging unit, for checking whether the payment brand in described list of brands exists short circuit route, the most then calls
Second output unit, if it is not, then call the 3rd judging unit；
Second output unit, for exporting the described short-circuit dedicated tunnel specified that route as exporting optimum payment channel, then
Jump out payment route；
3rd judging unit, for checking whether the payment channel that the payment brand in described list of brands is corresponding exists correspondence
Packet route, the most then call the 3rd output unit, if it is not, then call the 4th output unit；
3rd output unit, for determining the optimum payment channel of output according to packet route, then jumps out payment route；
4th output unit, for obtaining counterpart expenditure passage in the payment brand in described list of brands, alternately pays
Passage, calculates the passage fee of each alternative payment channel respectively, exports the minimum alternative payment channel of rate as exporting
Excellent payment channel, then jumps out payment route.
8. trading payment system as claimed in claim 7, it is characterised in that described packet route includes:
Query unit, for inquiring about the shunting weighted value of each payment channel, transaction quota and the turnover being complete, described
Transaction quota includes dealing money quota or transaction count quota, and described turnover includes conclude the business total amount or transaction total degree；
Screening unit, for the payment channel of the turnover not up to transaction quota that screening is complete；
Selected cell, for choosing transaction quota minimum with the difference of the trading volume being complete from the payment channel filtered out
Payment channel as the optimum payment channel of output, or the ratio of shunting weighted value based on each payment channel and each payment channel
The ratio of the turnover being complete selects the optimum payment channel of output.
9. trading payment system as claimed in claim 7, it is characterised in that if the first output unit is additionally operable to there is multiple fitting
For the payment channel of excessive risk order, then the payment channel that selection rate is minimum, as the optimum payment channel of output, is then jumped
Go out to pay route；If the minimum payment channel of rate is multiple, then the payment channel that key element is many is selected to pay as output optimum
Passage, then jumps out payment route.
10. trading payment system as claimed in claim 6, it is characterised in that merchant requests parameter includes in following parameter
One or more: transaction scene, trade company's industry, trade company ID, type of transaction, dealing money, wind control score value.
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| CN106845988A (en) * | 2017-01-23 | 2017-06-13 | 杭州恒生云融网络科技有限公司 | method and device for selecting payment channel |
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| CN107067318A (en) * | 2017-02-23 | 2017-08-18 | 世纪禾光科技发展（北京）有限公司 | Wild card receives monotype system of selection and system |
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| CN109961277B (en) * | 2017-12-22 | 2021-05-25 | 北京三快在线科技有限公司 | Payment flow determination method and device and electronic equipment |
| CN109961277A (en) * | 2017-12-22 | 2019-07-02 | 北京三快在线科技有限公司 | Payment flow determines method, apparatus and electronic equipment |
| CN108596583A (en) * | 2018-04-25 | 2018-09-28 | 广东奥园奥买家电子商务有限公司 | It is a kind of to pay the implementation method for being uniformly accessed into platform |
| CN109345218A (en) * | 2018-07-23 | 2019-02-15 | 中国建设银行股份有限公司 | Payment information shunt method, system, device and storage medium |
| CN109345218B (en) * | 2018-07-23 | 2022-05-10 | 中国建设银行股份有限公司 | Payment information distribution method, system, device and storage medium |
| CN108932614A (en) * | 2018-07-26 | 2018-12-04 | 中金支付有限公司 | A kind of payment channel method for routing and system |
| CN109447620A (en) * | 2018-11-01 | 2019-03-08 | 成都慧联天下信息技术有限公司 | A kind of method and system for building highly reliable mobile cash register system |
| WO2020088075A1 (en) * | 2018-11-02 | 2020-05-07 | 京东数字科技控股有限公司 | Method and apparatus for determining payment channel |
| CN110852503A (en) * | 2019-11-06 | 2020-02-28 | 支付宝(杭州)信息技术有限公司 | Method and device for selecting payment channel and payment channel route |
| CN110852503B (en) * | 2019-11-06 | 2024-01-23 | 支付宝(杭州)信息技术有限公司 | Payment channel selection method and device and payment channel route |
| CN111680998A (en) * | 2020-08-17 | 2020-09-18 | 南京梦饷网络科技有限公司 | Payment routing method, computing device and computer-readable storage medium |
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| CN112036873A (en) * | 2020-09-01 | 2020-12-04 | 中国银行股份有限公司 | Method and device for determining inter-bank payment mode |
| CN112036873B (en) * | 2020-09-01 | 2023-09-19 | 中国银行股份有限公司 | Cross-line payment mode determining method and device |
| CN113159740A (en) * | 2021-03-11 | 2021-07-23 | 深圳市分期乐网络科技有限公司 | Payment channel determining method and device, electronic equipment and storage medium |
| CN113159740B (en) * | 2021-03-11 | 2024-05-17 | 深圳市分期乐网络科技有限公司 | Payment channel determination method and device, electronic equipment and storage medium |
| CN113159746A (en) * | 2021-05-13 | 2021-07-23 | 华世界数字科技(深圳)有限公司 | Method and device for distributing payment channel based on merchant attribute |
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