Transaction management method and transaction management system

A transaction management and transaction technology, applied in the field of network transactions, can solve the problems of waste of handling fees, inability to automatically find problems, and inability to automatically switch, etc., to achieve low transaction rates and ensure smooth transactions.

Inactive Publication Date: 2020-09-04
中邮消费金融有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

This traditional payment routing method has the following disadvantages: first, it cannot make the optimal choice according to the handling fee of the acquiring institution, resulting in a waste of handling fee costs; second, when an acquiring institution fails, it cannot be automatically found Problem, unable to automatically switch to other available acquirers, affecting business development

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  • Transaction management method and transaction management system
  • Transaction management method and transaction management system
  • Transaction management method and transaction management system

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Embodiment Construction

[0043] The technical solution of the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments, so that those skilled in the art can better understand the present invention and implement it, but the examples given are not intended to limit the present invention.

[0044] Such as Figure 1-6 As shown, the embodiment of the present invention provides a transaction management method, which includes the following steps:

[0045] S2: Set multiple different transaction amount ranges, compare the transaction fee rates of multiple third-party transaction channels in each transaction amount range, and set the priorities of the multiple third-party transaction channels according to the transaction fee rates;

[0046]S4: According to the transaction status of the third-party transaction channel, uniformly adjust the priority of the third-party transaction channel in each transaction amount range;

[0047] S6: Recei...

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Abstract

The invention relates to a transaction management method and a transaction management system. The transaction management method comprises the following steps: setting a plurality of different transaction amount intervals, comparing transaction rates of a plurality of third-party transaction channels in each transaction amount interval, and respectively setting priorities of the plurality of third-party transaction channels according to the transaction rates; uniformly adjusting the priority of the third-party transaction channel in each transaction amount interval according to the transactioncondition of the third-party transaction channel; and receiving a transaction request, and selecting a third-party transaction channel with the highest priority in a transaction amount interval corresponding to the transaction amount to perform transaction according to the transaction amount of the transaction request. According to the transaction management system and the method provided by the embodiment of the invention, the priorities of the plurality of third-party transaction channels are set according to the transaction rates, and the priorities of the plurality of third-party transaction channels are dynamic according to the transaction conditions of the third-party transaction channels, so that a relatively low transaction rate can be realized, and smooth transaction can be guaranteed.

Description

technical field [0001] The invention relates to the technical field of network transactions, in particular to a transaction management method and a transaction management system. Background technique [0002] In the field of consumer finance, the lending and repayment business requires payment and collection operations on the customer's bank card. However, the collection and payment operations of customers' bank cards need to be carried out through institutions engaged in acquiring business. At present, there are hundreds of institutions engaged in acquiring business in the domestic market, and consumer finance companies usually need to connect with multiple acquiring institutions to ensure the normal development of loan repayment business. When performing collection and payment operations, it is necessary to select a suitable channel from many acquirers, and this presents a "payment routing" problem of how to choose the optimal channel. The traditional method of selecting...

Claims

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Application Information

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IPC IPC(8): G06Q40/04G06F9/48G06Q20/02
CPCG06F9/4881G06Q20/02G06Q40/04
Inventor 李远鑫姚祥发刘家豪张庆荣李海明
Owner 中邮消费金融有限公司
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