利用AI增强型OCR与智能工作流优化支付网关

J. Electrical Systems 17-1 (2021): 115-127 115 Jitender Jain1 Akhil Khunger2 Giriraj Agarwal3 Ajay Tanikonda4 Rajkumar Modake5 Optimizing Payment Gateways in Fintech Using AI-Augmented OCR and Intelligent Workflow Abstract This research delves into the optimization of payment gateway systems in the fintech industry using AI-augmented OCR and intelligent workflow automation, especially with a focus on Azure Functions. The paper explores how these tools can make payment processing more efficient, scalable, and cost-effective by combining serverless computing with AI-driven technologies. Cases from financial institutions adopting Azure services, which indicate KPIs for transaction speed, operational efficiency, and total cost of ownership. Surveys from IT experts and system architects give real-world insight into how AI and OCR apply in the payments system.The event-driven architecture of Azure Functions features AI-powered Optical Character Recognition (OCR) for the automatic processing of payment information and intelligent workflows optimizing decision making. It would improve processing time, eliminate human errors, and make transactions' data accuracy more efficient. In addition, features such as Azure Active Directory, encryption, and compliance with PCI DSS standards ensure the safe handling of sensitive payment data, thereby enhancing the security of these systems.The paper compares AI-augmented OCR and intelligent workflows with traditional server-based models with respect to metrics involving transaction speed, system scalability, and cost-effectiveness. Preliminary findings suggest that AI- and OCR-based integration with Azure Functions reduces costs, enhances scalability, and strengthens security in payment gateway systems. These technologies bring about a revolution in payment processing in fintech and improve the efficiency and save operational expenses. Keywords: AI-Augmented OCR, Intelligent Workflow, Payment Gateways, Fintech, Transaction Optimization and Security Compliance. 1. INTRODUCTION The financial technology (Fintech) industry has been undergoing rapid advancements in recent years, reshaping the way individuals and businesses perform transactions, manage payments, and interact with financial institutions [1]. One of the key components driving this transformation is the optimization of payment gateway systems, which serve as a critical link between customers, merchants, and financial institutions. Payment gateways are the ones responsible for processing and facilitating payment transactions securely across different channels, such as e- commerce platforms, mobile applications, and in-store point-of-sale systems. As the demand for fast, secure, and efficient payment processing continues to rise, Fintech companies are increasingly turning to innovative technologies to streamline and enhance their payment gateway solutions [2]. With digitalization being the latest phenomenon, it's really becoming hard for conventional payme