Supporting decision making in managing the process of payments in the instant payments system

The paper discusses decision support in managing the payment process in the instant payment system. Instant payment system operates in the network of intermediaries payment systems. A review of current research publications is given. The making a payment task is considered as the task of finding a critical path in the digraph of the intermediaries payment systems network. The optimization function is the criterion for managing the payment process. The management criterion is to maximize the possible remuneration from the payment or minimize the time of the payment. The choice of management criteria is made by the decision maker, depending on the goals of the instant payment system and the state of the intermediaries payment systems network. The proposed algorithms and software of payment module of instant payments system. The developed algorithmic support consists of the payment module algorithm and the algorithm for finding the payment route based on the Ford algorithm for finding a critical path in the network schedule. The object-oriented programming language C # was used for the development of the Payment module. A numerical experiment was carried out, which showed the efficiency of the proposed approach to decision support in managing the payment process in the instant payment system. The results of the payment time correspond to the acceptable for the market payments borders. Remuneration received is a satisfactory financial result.