CN107169756A - Payment channel distribution method, device, storage medium and payment route system - Google Patents
Payment channel distribution method, device, storage medium and payment route system Download PDFInfo
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- CN107169756A CN107169756A CN201710326574.1A CN201710326574A CN107169756A CN 107169756 A CN107169756 A CN 107169756A CN 201710326574 A CN201710326574 A CN 201710326574A CN 107169756 A CN107169756 A CN 107169756A
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The payment channel distribution method that the present invention is provided, device, storage medium and payment route system, after the payment request that customer in response end is sent, obtain first with paying payment channel set of the request with preset corresponding relation, each payment channel is configured with passage ID, pay parameter and weighted value, payment parameter and weighted value using each payment channel is reference data, request distribution payment channel is paid to be described, the corresponding relation of the passage ID for paying request and allocated payment channel is sent to client, client can transfer gateway configuration information corresponding with passage ID and gateway interface performs delivery operation, and feed back payment result.Whether each payment channel that client transmission is obtained in the present invention pays successful payment result, and its weighted value is updated according to the payment result of each payment channel.By such scheme, it is effectively improved payment safety and pays success rate.
Description
Technical field
The present invention relates to internet payment technical field, more particularly, to a kind of payment channel distribution method, device,
Storage medium and payment route system.
Background technology
In payment process, pay route and carry Core Feature, it is used to enter payment channel as the maincenter of payment
Row configuration.In some financial companies, with the lifting for paying infrastructure construction, payment channel becomes increasingly abundant, user concurrent
It is growing.When payment channel is enriched enough, a same order, for pay the control of success rate, payment cost will
Ask, the switching of payment channel etc. is accomplished by overall planning, selected according to the weighted value of each payment channel.But it is existing
Pay route, in the assigning process of payment channel, each payment channel weight be all it is pre-set be it is fixed,
Weight is adjusted after certain duration, enters Mobile state without the success or failure with each payment process and adjusts
It is whole.The configuration process of this payment channel, may have selected the payment channel not being adapted to, to payment when weight is not adjusted
Safety or success rate bring very big influence.
The content of the invention
In view of this, it is an object of the invention to propose a kind of payment channel distribution method, device, storage medium and payment
Route system, can enter Mobile state adjustment to the weight of payment channel according to payment result each time, improve in payment process
Security and success rate.
Based on above-mentioned purpose, the present invention provides a kind of payment channel distribution method, comprised the following steps：
The payment request that customer in response end is sent, is determined corresponding multiple with the payment request according to preset corresponding relation
Payment channel, each of which payment channel is configured with passage ID, pays parameter and weighted value；
It is that described pay asks distribution payment channel according to the payment parameter and weighted value of each payment channel, will be described
Pay request and the passage ID of allocated payment channel corresponding relation is sent to client；
Whether each payment channel for obtaining client transmission pays successful payment result, according to each payment channel
Payment result updates its weighted value.
Alternatively, in above-mentioned payment channel distribution method, according to the payment parameter and weighted value of each payment channel, it is
It is described to pay request distribution payment channel, ask the corresponding relation with the passage ID of allocated payment channel to be sent out described pay
Client is delivered to, is specifically included：
The payment parameter of each payment channel is parsed, the accessible bank of each payment channel, limit, maintenance time is obtained
With channel switch state；
Accessible bank is met in payment channel and pays that the corresponding bank of request is consistent, payment channel is switched to be in and opened
Open state and when current time is not fallen within the range of maintenance time, the payment channel, which is in, can be allocated state, otherwise pay
Passage is directly closed；
It is that the payment amount of its distribution have to be lower than its limit to each in the payment channel of state can be allocated.
Alternatively, in above-mentioned payment channel distribution method, according to the payment parameter and weighted value of each payment channel, it is
It is described to pay request distribution payment channel, ask the corresponding relation with the passage ID of allocated payment channel to be sent out described pay
Deliver in client, payment channel is distributed to pay request by following steps：
Total E, the total N in the payment channel that can be allocated state for paying request is obtained, each be in can
The weighted value A of the payment channel for the state of being allocatedi, the payment that calculates each payment channel according to below equation and can be allocated asks
Number Ei：
Alternatively, in above-mentioned payment channel distribution method, whether each payment channel for obtaining client transmission pays
Successful payment result, updates in its weighted value according to the payment result of each payment channel, specifically includes：
If the payment result of payment channel is successfully, its weighted value is improved, its weighted value is otherwise reduced；
If the weighted value of payment channel reaches upper limit threshold, its weighted value is adjusted to upper limit threshold, if payment channel
Weighted value be less than lower threshold, then its weighted value is adjusted to zero.
Alternatively, in above-mentioned payment channel distribution method, if the payment result of payment channel is successfully, its power is improved
Weight values, otherwise reduce its weighted value, specifically include：
The payment number of success of the payment channel within time-count cycle is obtained according to the payment result each time of payment channel,
With reference to the payment success rate that total degree calculating payment channel is paid in the time-count cycle：
The weighted value of payment channel is：Weighted value=int (payment success rate).
Alternatively, in above-mentioned payment channel distribution method, whether each payment channel for obtaining client transmission pays
Successful payment result, updates in its weighted value according to the payment result of each payment channel, also comprises the following steps：
Record payment channel continuously pays the payment frequency of failure in the frequency of failure or preset time period, if paying failure
Number of times exceedes given threshold, then the weighted value of the payment channel directly is set into zero.
Based on same inventive concept, the present invention also provides a kind of payment channel distributor, including：
Respond module, the payment request that customer in response end is sent determines to ask with described pay according to preset corresponding relation
Corresponding multiple payment channels, each of which payment channel is configured with passage ID, pays parameter and weighted value；
Distribute module, is that described pay asks distribution PayPal according to the payment parameter and weighted value of each payment channel
Road, asks the passage ID with allocated payment channel to associate described pay；
Whether adjusting module, each payment channel for obtaining client transmission pays successful payment result, according to each
The payment result of payment channel updates its weighted value.
Alternatively, in above-mentioned payment channel distributor, the distribute module, specifically for：
The payment parameter of each payment channel is parsed, the accessible bank of each payment channel, limit, maintenance time is obtained
With channel switch state；
Accessible bank is met in payment channel and pays that the corresponding bank of request is consistent, payment channel is switched to be in and opened
Open state and when current time is not fallen within the range of maintenance time, the payment channel, which is in, can be allocated state, otherwise pay
Passage is directly closed；
It is that the payment amount of its distribution have to be lower than its limit to each in the payment channel of state can be allocated.
Alternatively, in above-mentioned payment channel distributor, the distribute module is divided by following steps to pay request
With payment channel：
Total E, the total N in the payment channel that can be allocated state for paying request is obtained, each be in can
The weighted value A of the payment channel for the state of being allocatedi, the payment that calculates each payment channel according to below equation and can be allocated asks
Number Ei：
Alternatively, in above-mentioned payment channel distributor, the adjusting module, specifically for：
If the payment result of payment channel is successfully, its weighted value is improved, its weighted value is otherwise reduced；
If the weighted value of payment channel reaches upper limit threshold, its weighted value is adjusted to upper limit threshold, if payment channel
Weighted value be less than lower threshold, then its weighted value is adjusted to zero.
Alternatively, in above-mentioned payment channel distributor, in the adjusting module, if the payment result of payment channel is
Success, then improve its weighted value, otherwise reduce its weighted value, specifically include：
Payment number of success of the passage within time-count cycle is got paid according to the payment result each time of payment channel,
With reference to the payment success rate that total degree calculates payment channel that pays in the time-count cycle：
The weighted value of payment channel is：Weighted value=int (payment success rate).
Alternatively, in above-mentioned payment channel distributor, the adjusting module is additionally operable to：
Record payment channel continuously pays the payment frequency of failure in the frequency of failure or preset time period, if paying failure
Number of times exceedes given threshold, then the weighted value of the payment channel directly is set into zero.
The present invention also provides a kind of storage medium, and the storage medium stores computer instruction, when computer execution is described
During computer instruction, for the payment channel distribution method described in any of the above-described.
The present invention also provides a kind of payment route system, including：At least one processor；And, with it is described at least one
The memory of processor communication connection；Wherein,
The memory storage has can be by the instruction of one computing device, and the instruction is by described at least one
Manage device to perform, so that at least one described processor can：
The payment request that customer in response end is sent, is determined corresponding multiple with the payment request according to preset corresponding relation
Payment channel, each of which payment channel is configured with passage ID, pays parameter and weighted value；
It is that described pay asks distribution payment channel according to the payment parameter and weighted value of each payment channel, will be described
Pay request and the passage ID of allocated payment channel corresponding relation is sent to client；
Whether each payment channel for obtaining client transmission pays successful payment result, according to each payment channel
Payment result updates its weighted value.
Alternatively, in above-mentioned payment route system, at least one described processor and at least one described memory quilt
It is configured in each server in a server cluster.
Above technical scheme, compared with prior art, at least has the advantages that：
Payment channel distribution method, device, storage medium and payment route system that the present invention is provided, at customer in response end
After the payment request of transmission, obtain first with paying payment channel set of the request with preset corresponding relation, each PayPal
Road is configured with passage ID, pays parameter and weighted value, and payment parameter and weighted value using each payment channel are as reference data
It is described to pay request distribution payment channel, ask the corresponding relation with the passage ID of allocated payment channel to be sent out described pay
Client is delivered to, client can transfer gateway configuration information corresponding with passage ID and gateway interface performs delivery operation, and instead
Present payment result.Whether each payment channel that client transmission is obtained in the present invention pays successful payment result, according to every
The payment result of one payment channel updates its weighted value.By such scheme, weight that can dynamically to each payment channel
Value is adjusted, it is ensured that use the newest weighted value of payment channel when configuring payment channel next time.By using real-time
The foundation that weighted value is distributed as payment channel, is effectively improved payment safety and pays success rate.
Brief description of the drawings
By the way that embodiment is described below in conjunction with the accompanying drawings, features described above of the invention and technological merit will become
More understand and be readily appreciated that.
Fig. 1 is the flow chart of payment channel distribution method described in one embodiment of the invention；
The flow chart that it is the method for paying request distribution payment channel described in one embodiment of the invention that Fig. 2, which is,；
Fig. 3 is the method for updating its weighted value described in one embodiment of the invention according to the payment result of each payment channel
Flow chart；
Fig. 4 is the theory diagram of payment channel distributor described in one embodiment of the invention；
Fig. 5 is the theory diagram that route system is paid described in one embodiment of the invention.
Embodiment
Below in conjunction with accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Ground is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.Generally exist
The component of the embodiment of the present invention described and illustrated in accompanying drawing can be arranged and designed with a variety of configurations herein.Cause
This, the detailed description of the embodiments of the invention to providing in the accompanying drawings is not intended to limit claimed invention below
Scope, but it is merely representative of the selected embodiment of the present invention.Based on embodiments of the invention, those skilled in the art are not doing
The every other embodiment obtained on the premise of going out creative work, belongs to the scope of protection of the invention.
In the description of the invention, it is necessary to explanation, term " " center ", " on ", " under ", "left", "right", " vertical ",
The orientation or position relationship of the instruction such as " level ", " interior ", " outer " be based on orientation shown in the drawings or position relationship, merely to
Be easy to the description that simplifies of the description present invention, rather than indicate or imply signified device or component must have specific orientation,
With specific azimuth configuration and operation, therefore it is not considered as limiting the invention.In addition, term " first ", " second ",
" the 3rd " is only used for describing purpose, and it is not intended that indicating or implying relative importance.Wherein, term " first position " and
" second place " is two different positions.
In the description of the invention, it is necessary to illustrate, unless otherwise clearly defined and limited, term " installation ", " phase
Even ", " connection " should be interpreted broadly, for example, it may be being fixedly connected or being detachably connected, or be integrally connected；Can
To be mechanical connection or electrical connection；Can be joined directly together, can also be indirectly connected to by intermediary, Ke Yishi
The connection of two component internals.For the ordinary skill in the art, with concrete condition above-mentioned term can be understood at this
Concrete meaning in invention.
Embodiment 1
The present embodiment provides a kind of payment channel distribution method, and applied in server, the server is used to pay
During distribute payment channel, as shown in figure 1, it comprises the following steps：
S101：The payment request that customer in response end is sent, is determined corresponding with the payment request according to preset corresponding relation
Multiple payment channels, each of which payment channel is configured with passage ID, pays parameter and weighted value；The payment request passes through
A variety of different dimensions are identified, different types of service, different distributors, different payment platforms etc. for distinguishing.
The type of service can be insurance business, fund business etc., and the distributor can be partner family etc., the payment platform
Can be account balance, Unionpay, third party's (such as Alipay).It will pay which corresponding payment channel of request is matched somebody with somebody in advance
Put, namely payment channel is and pays request binding, each payment request can bind multiple payment channels, these payments
The configuration of passage can be performed according to historical experience value.Therefore, once having got payment request, it becomes possible to according to being pre-configured with
Corresponding relation obtain it is multiple can for selection payment channel.In addition, described pay asks to be that concurrent type frog occurs, that is, exist
Any time may receive the payment request sent from multiple client.
S102：It is that described pay asks distribution payment channel according to the payment parameter and weighted value of each payment channel, will
The corresponding relation of the passage ID for paying request and allocated payment channel is sent to client；The payment parameter includes
Limit, maintenance time, channel switch etc..The weighted value is the priority when selecting payment channel, if using Unionpay
Pay, pay the bank that parameter can also include binding with payment channel, limit, the maintenance time that bank is set etc..When it is determined that
Request is paid with after payment channel ID corresponding relation, the corresponding relation being sent to client, if multiple client
The multiple payments request sent, then send respectively according to the corresponding relation of each payment request and client.Client is received
After the corresponding relation for paying request and payment channel ID, it becomes possible to determine gateway configuration information according to payment channel ID, and then
Transfer corresponding gateway interface and perform delivery operation, gateway interface is reduced interface, wide silver-colored payment interface, Tai Kang including linkage and paid
Interface, repeatedly payment interface etc..It is finished after delivery operation, whether client succeeds according to this payment, feedback is paid
As a result.
S103：Whether each payment channel for obtaining client transmission pays successful payment result, is paid according to each
The payment result of passage updates its weighted value.
Whether the such scheme of the present embodiment, each payment channel that can obtain client transmission pays successful payment
As a result, its weighted value is updated according to the payment result of each payment channel.By such scheme, dynamically it can be paid to each
The weighted value of passage is adjusted, it is ensured that use the newest weighted value of payment channel when configuring payment channel next time.It is logical
The foundation distributed using real time weight value as payment channel is crossed, payment safety is effectively improved and pays success rate.
Embodiment 2
It is that described pay is asked there is provided a kind of payment parameter and weighted value according to each payment channel in the present embodiment
The method for distributing payment channel, as shown in Fig. 2 it comprises the following steps：
S201：The payment parameter of each payment channel is parsed, the accessible bank of each payment channel, limit, dimension is obtained
Shield time and channel switch state.For under Third-party payment mode and the account balance means of payment, the payment parameter is not wrapped
The accessible bank of payment channel is included, accessible bank pays suitable for Unionpay.
S202：Meet that accessible bank is consistent with paying the corresponding bank of request, payment channel switch in payment channel
When not falling within opening and current time in the range of maintenance time, the payment channel, which is in, can be allocated state, no
Then payment channel is directly closed；It is that the payment amount of its distribution must be low to each in the payment channel of state can be allocated
In its limit.Define whether each payment channel can be chosen that is, paying in parameter, for example please for current pay
Ask, there are tetra- payment channels of A, B, C, D to be bound, user just performs transaction using industrial and commercial bank's card, and A channel does not support industrial and commercial silver
OK, that can only just be configured in tri- payment channels of B, C, D.
Preferably, also comprise the following steps：
S203：Obtain the total E, the total N in the payment channel that can be allocated state, everywhere for paying request
In the weighted value A for the payment channel that can be allocated statei, the payment that each payment channel can be allocated is calculated according to below equation
Number of request Ei：
It will be paid by Weighted Round Robin and ask corresponding with payment channel weighted value, still with tetra- payments of A, B, C, D
The example of passage is illustrated, and when only remaining B, C, D payment channel is configurable, is entered according to the weighted value of these three payment channels
Row distribution, it is assumed that the weights of B payment channels are that the weights of 10, C payment channels are that the weights of 9, D payment channels are 5, then currently connect
In the payment request received, the payment request for having 10/ (10+9+5) × 100% is carried out with B payment channels；Have 9/ (10+9+5) ×
100% payment request is carried out using C payment channels；The payment request for having 5/ (10+9+5) × 100% is entered using D payment channels
OK.In this way, no matter weighted value just, has an opportunity to be allocated to pay and asked, the high payment channel of weighted value is performed
The probability of payment is big, and it is small that the low payment channel of weighted value performs the probability paid.
Embodiment 3
A kind of method that payment result according to each payment channel updates its weighted value, such as Fig. 3 are provided in the present embodiment
It is shown, specifically include：
S301：If the payment result of payment channel is successfully, its weighted value is improved, its weighted value is otherwise reduced；That is root
The weights of payment channel are entered with Mobile state adjustment according to success rate is paid.
S302：If the weighted value of payment channel reaches upper limit threshold, its weighted value is adjusted to upper limit threshold, if paying
The weighted value of passage is less than lower threshold, then its weighted value is adjusted into zero.For example, upper limit threshold is 10, if current pay
The weighted value of passage has been 10, then even if this pays successfully, it is not required that further to the weighted value of the payment channel
Add.If lower threshold is 1, the weighted value of current payment channel is exactly 1, if now payment channel pays failure,
Then weighted value can be reduced further, weighted value directly can be set into zero.
Obviously, if a certain payment channel is paid successfully, illustrate that the payment channel success rate has lifting, by lifting the branch
Pay the mode of passage weighted value so that when receiving payment request next time, the amount paid that the payment channel undertakes can be properly increased
Degree and transaction, vice versa.
Preferably, if the payment result of payment channel is successfully, its weighted value is improved, its weighted value is otherwise reduced, had
Body includes：
The payment number of success of payment channel in time-count cycle is obtained according to the payment result each time of payment channel, is tied
Close and the payment success rate that total degree calculates payment channel is paid in the time-count cycle：
The weighted value of payment channel is：Weighted value=int (payment success rate), that is, pay success rate round numbers, it is clear that meter
The weighted value of calculation is also the weighted value within the time-count cycle, can be set according to actual needs the time-count cycle, the time
Section is shorter, and need data volume to be processed is bigger.Tri- payment channels of such as common A, B, C, A payment channels pay success rate 99%, B
Payment channel pays success rate 15%, and C payment channels pay success rate 0.8%, and such A payment channels weight is 9, B PayPals
Road weight is that the too low weight of 1, C payment channel success rates is 0, now can directly close C payment channels.
Preferably, as schemed, the present embodiment can also comprise the following steps：
S303：Record payment channel continuously pays the payment frequency of failure in the frequency of failure or preset time period, if branch
Pay the frequency of failure and exceed given threshold, then the weighted value of the payment channel is directly set to zero.That is, to each payment channel
Payment result recorded, if continuous pay failure, or to pay the frequency of failure in a short time excessive etc., can directly by
The payment channel is closed, in this case, even if payment channel original weighted value is 10, then the continuous frequency of failure that pays is excessive,
It may illustrate that the payment channel there is a problem in current slot, directly close the payment channel, it is to avoid influence is paid
Safety.
Embodiment 4
The present embodiment provides a kind of payment channel distributor, as shown in figure 4, including：
Respond module 401, the payment request that customer in response end is sent, being determined according to preset corresponding relation please with the payment
Corresponding multiple payment channels are sought, each of which payment channel is configured with passage ID, pays parameter and weighted value；The payment please
Ask and be identified by a variety of different dimensions, different types of service, different distributors, different payments are put down for distinguishing
Platform etc..The type of service can be insurance business, fund business etc., and the distributor can be partner family etc., the branch
It can be account balance, Unionpay, third party's (such as Alipay) to pay platform.Having paid request correspondence in advance, which pays
Passage is configured, namely payment channel is and pays request binding, and each payment request can bind multiple payment channels, this
The configuration of a little payment channels can be performed according to historical experience value.Therefore, once having got payment request, it becomes possible to according to pre-
The corresponding relation first configured obtain it is multiple can for selection payment channel.In addition, the payment request is that concurrent type frog occurs
, i.e., the payment request sent from multiple client may be received at any time.
Distribute module 402, is that described pay asks distribution to pay according to the payment parameter and weighted value of each payment channel
Passage, asks the passage ID with allocated payment channel to associate described pay；When the payment parameter includes limit, safeguarded
Between, channel switch etc..The weighted value is the priority when selecting payment channel, if paid using Unionpay, pays ginseng
Number can also include the bank bound with payment channel, limit, maintenance time that bank is set etc..When determine pay request with
After payment channel ID corresponding relation, the corresponding relation is sent to client, if multiple that multiple client is sent
Request is paid, then is sent respectively according to the corresponding relation of each payment request and client.Client receives payment request and branch
After the corresponding relation for paying passage ID, it becomes possible to determine gateway configuration information according to payment channel ID, and then transfer corresponding net
Close interface and perform delivery operation, gateway interface includes linkage and reduces interface, wide silver-colored payment interface, Thailand's health payment interface, props up repeatedly
Pay interface etc..It is finished after delivery operation, whether client succeeds according to this payment, feeds back payment result.
Whether adjusting module 403, each payment channel for obtaining client transmission pays successful payment result, according to every
The payment result of one payment channel updates its weighted value.
Whether such scheme, each payment channel that can obtain client transmission pays successful payment result, according to
The payment result of each payment channel updates its weighted value.By such scheme, power that can dynamically to each payment channel
Weight values are adjusted, it is ensured that use the newest weighted value of payment channel when configuring payment channel next time.By using reality
When the foundation distributed as payment channel of weighted value, be effectively improved payment safety and pay success rate.
The distribute module 402, specifically for：The payment parameter of each payment channel is parsed, each payment channel is obtained
Accessible bank, limit, maintenance time and channel switch state；For Third-party payment mode and the account balance means of payment
Under, the parameter that pays does not include the bank that payment channel can access, and accessible bank pays suitable for Unionpay.
Accessible bank is met in payment channel and pays that the corresponding bank of request is consistent, payment channel is switched to be in and opened
Open state and when current time is not fallen within the range of maintenance time, the payment channel, which is in, can be allocated state, otherwise pay
Passage is directly closed；It is that the payment amount of its distribution have to be lower than its limit to each in the payment channel of state can be allocated
Volume.Define whether each payment channel can be chosen that is, paying in parameter.
Preferably, the distribute module 402, payment channel is distributed by following steps to pay request：
Total E, the total N in the payment channel that can be allocated state for paying request is obtained, each be in can
The weighted value A of the payment channel for the state of being allocatedi, the payment that calculates each payment channel according to below equation and can be allocated asks
Number Ei：
Such scheme, will be paid by Weighted Round Robin and ask corresponding with payment channel weighted value, still with A, B, C, D
The example of four payment channels is illustrated, when only remaining B, C, D payment channel is configurable, according to these three payment channels
Weighted value is allocated, it is assumed that the weights of B payment channels are that the weights of 10, C payment channels are that the weights of 9, D payment channels are 5,
In the payment request being then currently received, the payment request for having 10/ (10+9+5) × 100% is carried out with B payment channels；Have 9/
The payment request of (10+9+5) × 100% is carried out using C payment channels；The payment request for having 5/ (10+9+5) × 100% uses D
Payment channel is carried out.In this way, no matter weighted value just, has an opportunity to be allocated to pay and asked, the high branch of weighted value
Pay passage and perform the probability paid greatly, it is small that the low payment channel of weighted value performs the probability paid.
It is further preferred that the adjusting module 403, specifically for：If the payment result of payment channel is successfully, to carry
Its high weighted value, otherwise reduces its weighted value；Mobile state adjustment is entered to the weights of payment channel according to payment success rate.
If the weighted value of payment channel reaches upper limit threshold, its weighted value is adjusted to upper limit threshold, if payment channel
Weighted value be less than lower threshold, then its weighted value is adjusted to zero.For example, upper limit threshold is 10, if current payment channel
Weighted value be 10, then even if this pays successfully, it is not required that the weighted value of the payment channel is further increased
.If lower threshold is 1, the weighted value of current payment channel is exactly 1, if now payment channel pays failure, weighs
Weight values can be reduced further, weighted value directly can be set into zero.Obviously, if a certain payment channel is paid successfully, this is illustrated
Payment channel success rate has lifting, by way of lifting the payment channel weighted value so that when receiving payment request next time,
Payment amount and transaction that the payment channel undertakes can be properly increased, vice versa.
Further, in the adjusting module 403, if the payment result of payment channel is successfully, its weighted value is improved,
Otherwise its weighted value is reduced, is specifically included：
The payment number of success of payment channel in time-count cycle is obtained according to the payment result each time of payment channel, is tied
Close and the payment success rate that total degree calculates payment channel is paid in the time-count cycle：
The weighted value of payment channel is：Weighted value=int (payment success rate).Pay success rate round numbers.Obviously count
The weighted value of calculation is also the weighted value within the time-count cycle, can be set according to actual needs the time-count cycle, the time
Section is shorter, and need data volume to be processed is bigger.Tri- payment channels of such as common A, B, C, A payment channels pay success rate 99%, B
Payment channel pays success rate 15%, and C payment channels pay success rate 0.8%, and such A payment channels weight is 9, B PayPals
Road weight is that the too low weight of 1, C payment channel success rates is 0, now can directly close C payment channels.
It is preferred that the adjusting module 403, is additionally operable to record payment channel and continuously pays the frequency of failure or preset time
The payment frequency of failure in section, if paying the frequency of failure exceedes given threshold, is directly set the weighted value of the payment channel
It is zero.That is, the payment result to each payment channel is recorded, if continuous pay failure, or prop up in a short time
Pay the frequency of failure excessive etc., directly can close the payment channel, in this case, even if payment channel original weighted value is 10,
The so continuous frequency of failure that pays is excessive, may illustrate that the payment channel there is a problem in current slot, directly should
Payment channel is closed, it is to avoid influence safety of payment.
Embodiment 5
The present embodiment provides a kind of storage medium, and the storage medium stores computer instruction, when computer execution is described
During computer instruction, for performing any payment channel distribution method in embodiment 1-3.
Embodiment 6
The present embodiment provides a kind of payment route system, includes as shown in Figure 5：At least one processor 501；And, with
The memory 502 of at least one processor communication connection；Wherein,
The memory 502 is stored with the instruction that can be performed by one processor 501, the instruction by it is described at least
One processor 501 is performed, so that at least one described processor 502 can：
The payment request that customer in response end is sent, is determined corresponding multiple with the payment request according to preset corresponding relation
Payment channel, each of which payment channel is configured with passage ID, pays parameter and weighted value；
It is that described pay asks distribution payment channel according to the payment parameter and weighted value of each payment channel, will be described
Pay request and the passage ID of allocated payment channel corresponding relation is sent to client；
Whether each payment channel for obtaining client transmission pays successful payment result, according to each payment channel
Payment result updates its weighted value.
Whether such scheme, each payment channel that can obtain client transmission pays successful payment result, according to
The payment result of each payment channel updates its weighted value.By such scheme, power that can dynamically to each payment channel
Weight values are adjusted, it is ensured that use the newest weighted value of payment channel when configuring payment channel next time.By using reality
When the foundation distributed as payment channel of weighted value, be effectively improved payment safety and pay success rate.
Preferably, at least one described processor and at least one described memory are configured in a server cluster
In each server.Influence when Single Point of Faliure occurs effectively is avoided by way of server cluster is disposed to pay
Journey, further ensures the security and success rate in payment process.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can be using the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can be used in one or more computers for wherein including computer usable program code
The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram are described.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processor of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which is produced, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
Finally it should be noted that：The above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although
The present invention is described in detail with reference to the foregoing embodiments, it will be understood by those within the art that：It still may be used
To be modified to the technical scheme described in foregoing embodiments, or equivalent substitution is carried out to which part technical characteristic；
And these modification or replace, do not make appropriate technical solution essence depart from various embodiments of the present invention technical scheme spirit and
Scope.
Claims (15)
1. a kind of payment channel distribution method, it is characterised in that comprise the following steps：
The payment request that customer in response end is sent, multiple payments corresponding with the payment request are determined according to preset corresponding relation
Passage, each of which payment channel is configured with passage ID, pays parameter and weighted value；
According to the payment parameter and weighted value of each payment channel, it is that described pay asks distribution payment channel, is paid described
Request and the passage ID of allocated payment channel corresponding relation are sent to client；
Whether each payment channel for obtaining client transmission pays successful payment result, according to the payment of each payment channel
As a result its weighted value is updated.
2. payment channel distribution method according to claim 1, it is characterised in that joined according to the payment of each payment channel
Number and weighted value, are that described pay asks distribution payment channel, request and the passage for the payment channel being allocated are paid by described
ID corresponding relation is sent to client, is specifically included：
The payment parameter of each payment channel is parsed, the accessible bank of each payment channel, limit, maintenance time is obtained and leads to
Road on off state；
Accessible bank is met in payment channel and pays that the corresponding bank of request is consistent, payment channel switch is in unlatching shape
State and when current time is not fallen within the range of maintenance time, the payment channel, which is in, can be allocated state, otherwise payment channel
Directly close；
It is that the payment amount of its distribution have to be lower than its limit to each in the payment channel of state can be allocated.
3. payment channel distribution method according to claim 2, it is characterised in that joined according to the payment of each payment channel
Number and weighted value, are that described pay asks distribution payment channel, request and the passage for the payment channel being allocated are paid by described
ID corresponding relation is sent into client, and payment channel is distributed to pay request by following steps：
Total E, the total N in the payment channel that can be allocated state for paying request is obtained, each be in can be divided
The weighted value A of payment channel with statei, the payment number of request E that each payment channel can be allocated is calculated according to below equationi：
<mrow>
<msub>
<mi>E</mi>
<mi>i</mi>
</msub>
<mo>=</mo>
<mfrac>
<msub>
<mi>A</mi>
<mi>i</mi>
</msub>
<mrow>
<munderover>
<mo>&Sigma;</mo>
<mrow>
<mi>i</mi>
<mo>=</mo>
<mn>1</mn>
</mrow>
<mi>N</mi>
</munderover>
<msub>
<mi>A</mi>
<mi>i</mi>
</msub>
</mrow>
</mfrac>
<mo>&times;</mo>
<mn>100</mn>
<mi>%</mi>
<mo>&times;</mo>
<mi>E</mi>
<mo>.</mo>
</mrow>
4. the payment channel distribution method according to claim any one of 1-3, it is characterised in that obtain what client was sent
Whether each payment channel pays successful payment result, is updated according to the payment result of each payment channel in its weighted value,
Specifically include：
If the payment result of payment channel is successfully, its weighted value is improved, its weighted value is otherwise reduced；
If the weighted value of payment channel reaches upper limit threshold, its weighted value is adjusted to upper limit threshold, if the power of payment channel
Weight values are less than lower threshold, then its weighted value are adjusted into zero.
5. payment channel distribution method according to claim 4, it is characterised in that if the payment result of payment channel is into
Work(, then improve its weighted value, otherwise reduces its weighted value, specifically includes：
Payment number of success of the passage within time-count cycle is got paid according to the payment result each time of payment channel, with reference to
The payment success rate that total degree calculates payment channel is paid in the time-count cycle：
The weighted value of payment channel is：Weighted value=int (payment success rate).
6. payment channel distribution method according to claim 4, it is characterised in that obtain each payment that client is sent
Whether passage pays successful payment result, is updated according to the payment result of each payment channel in its weighted value, in addition to such as
Lower step：
Record payment channel continuously pays the payment frequency of failure in the frequency of failure or preset time period, if paying the frequency of failure
More than given threshold, then the weighted value of the payment channel is directly set to zero.
7. a kind of payment channel distributor, it is characterised in that including：
Respond module, the payment request that customer in response end is sent is determined corresponding with the payment request according to preset corresponding relation
Multiple payment channels, each of which payment channel is configured with passage ID, pays parameter and weighted value；
Distribute module, is that described pay asks distribution payment channel according to the payment parameter and weighted value of each payment channel, will
Described pay asks the passage ID with allocated payment channel to associate；
Whether adjusting module, each payment channel for obtaining client transmission pays successful payment result, is paid according to each
The payment result of passage updates its weighted value.
8. payment channel distributor according to claim 7, it is characterised in that the distribute module, specifically for：
The payment parameter of each payment channel is parsed, the accessible bank of each payment channel, limit, maintenance time is obtained and leads to
Road on off state；
Accessible bank is met in payment channel and pays that the corresponding bank of request is consistent, payment channel switch is in unlatching shape
State and when current time is not fallen within the range of maintenance time, the payment channel, which is in, can be allocated state, otherwise payment channel
Directly close；
It is that the payment amount of its distribution have to be lower than its limit to each in the payment channel of state can be allocated.
9. payment channel distributor according to claim 8, it is characterised in that the distribute module, passes through following step
It is rapid to distribute payment channel to pay request：
Total E, the total N in the payment channel that can be allocated state for paying request is obtained, each be in can be divided
The weighted value A of payment channel with statei, the payment number of request E that each payment channel can be allocated is calculated according to below equationi：
<mrow>
<msub>
<mi>E</mi>
<mi>i</mi>
</msub>
<mo>=</mo>
<mfrac>
<msub>
<mi>A</mi>
<mi>i</mi>
</msub>
<mrow>
<munderover>
<mo>&Sigma;</mo>
<mrow>
<mi>i</mi>
<mo>=</mo>
<mn>1</mn>
</mrow>
<mi>N</mi>
</munderover>
<msub>
<mi>A</mi>
<mi>i</mi>
</msub>
</mrow>
</mfrac>
<mo>&times;</mo>
<mn>100</mn>
<mi>%</mi>
<mo>&times;</mo>
<mi>E</mi>
<mo>.</mo>
</mrow>
10. the payment channel distributor according to claim any one of 7-9, it is characterised in that the adjusting module, tool
Body is used for：
If the payment result of payment channel is successfully, its weighted value is improved, its weighted value is otherwise reduced；
If the weighted value of payment channel reaches upper limit threshold, its weighted value is adjusted to upper limit threshold, if the power of payment channel
Weight values are less than lower threshold, then its weighted value are adjusted into zero.
11. payment channel distributor according to claim 10, it is characterised in that in the adjusting module, if paying
The payment result of passage is successfully, then to improve its weighted value, otherwise reduces its weighted value, specifically includes：
Payment number of success of the passage within time-count cycle is got paid according to the payment result each time of payment channel, with reference to
The payment success rate that total degree calculates payment channel is paid in the time-count cycle：
The weighted value of payment channel is：Weighted value=int (payment success rate).
12. payment channel distributor according to claim 11, it is characterised in that the adjusting module, is additionally operable to：
Record payment channel continuously pays the payment frequency of failure in the frequency of failure or preset time period, if paying the frequency of failure
More than given threshold, then the weighted value of the payment channel is directly set to zero.
13. a kind of storage medium, it is characterised in that the storage medium stores computer instruction, when computer performs the meter
When calculation machine is instructed, the payment channel distribution method any one of 1-6 is required for perform claim.
14. one kind pays route system, it is characterised in that including：At least one processor；And, with described at least one
Manage the memory of device communication connection；Wherein,
The memory storage has can be by the instruction of one computing device, and the instruction is by least one described processor
Perform, so that at least one described processor can：
The payment request that customer in response end is sent, multiple payments corresponding with the payment request are determined according to preset corresponding relation
Passage, each of which payment channel is configured with passage ID, pays parameter and weighted value；
According to the payment parameter and weighted value of each payment channel, it is that described pay asks distribution payment channel, is paid described
Request and the passage ID of allocated payment channel corresponding relation are sent to client；
Whether each payment channel for obtaining client transmission pays successful payment result, according to the payment of each payment channel
As a result its weighted value is updated.
15. payment route system according to claim 14, it is characterised in that at least one described processor and it is described extremely
A few memory is configured in each server in a server cluster.
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| CN112258167A (en) * | 2020-12-21 | 2021-01-22 | 上海富友支付服务股份有限公司 | Method for dynamically switching payment route on payment platform side and payment platform system |
| CN115174686A (en) * | 2022-07-12 | 2022-10-11 | 江苏苏宁银行股份有限公司 | Method and device for dynamically adjusting weights of multiple service channels based on service efficiency |
| CN115174686B (en) * | 2022-07-12 | 2024-03-15 | 江苏苏宁银行股份有限公司 | Method and device for dynamically adjusting weights of multiple service channels based on service efficiency |
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