CN107464108A - The method and apparatus for automatically selecting channel of disbursement - Google Patents
The method and apparatus for automatically selecting channel of disbursement Download PDFInfo
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- CN107464108A CN107464108A CN201610390813.5A CN201610390813A CN107464108A CN 107464108 A CN107464108 A CN 107464108A CN 201610390813 A CN201610390813 A CN 201610390813A CN 107464108 A CN107464108 A CN 107464108A
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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
- G06Q20/22—Payment schemes or models
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Abstract
Embodiment of the disclosure is related to a kind of method and apparatus for automatically selecting channel of disbursement, and this method includes：Received from client and pay request；Request is paid in response to receiving, determines the score of each channel of disbursement in multiple channel of disbursement；According to the score of multiple channel of disbursement, the ranking of multiple channel of disbursement is determined；And the ranking based on multiple channel of disbursement, automatically select channel of disbursement.Embodiment of the disclosure to all channel of disbursement by carrying out ranking, optimal available channel of disbursement can be dynamically selected, and next available channel of disbursement can be automatically selected when current channel of disbursement fails, it is effectively improved the efficiency and Consumer's Experience of payment.
Description
Technical field
Embodiment of the disclosure relates generally to areas of information technology, relates more specifically to realize on the server automatic
The method and apparatus for selecting channel of disbursement.
Background technology
With the development of network and the communication technology, e-payment becomes to become increasingly popular.In general, e-payment is being carried out
When, multiple optional e-payment channels generally be present, user or customer can select a kind of e-payment channel therein to enter
Row is paid.For example, at online store carry out on-line payment when, online store generally provide for example a variety of bank paying channels or
A variety of Third-party payment channels select for user.
Generally, when user needs to use channel of disbursement to be paid, all channel of disbursement select for user for display,
Or a part of channel of disbursement of random selection is shown, and another part is hidden.However, traditional method of payment without
The intelligence that method is carried out according to the information of channel of disbursement between each channel of disbursement switches, and disabled in a certain channel of disbursement
In the case of, it is necessary to manually switch over channel of disbursement and retry another channel of disbursement.Therefore, traditional on-line payment method efficiency
Relatively low and Consumer's Experience is also poor.
The content of the invention
In view of this, the presently disclosed embodiments proposes a kind of method and apparatus for automatically selecting channel of disbursement.
Embodiment of the disclosure can be dynamically selected optimal available channel of disbursement by carrying out ranking to all channel of disbursement,
And when current channel of disbursement fails, next available channel of disbursement can be automatically selected, is effectively improved the efficiency of payment
And Consumer's Experience.
According to an aspect of this disclosure, there is provided a kind of side for automatically selecting channel of disbursement realized on the server
Method, this method include：Received from client and pay request；Request is paid in response to receiving, is determined in multiple channel of disbursement
The score of each channel of disbursement；According to the score of multiple channel of disbursement, the ranking of multiple channel of disbursement is determined；And based on multiple
The ranking of channel of disbursement, automatically selects channel of disbursement.
According to another aspect of the present disclosure, there is provided a kind of equipment for automatically selecting channel of disbursement, the equipment include：Storage
Device；And processor, the processor are coupled and are configured as with the memory：Received from client and pay request；Ring
Ying Yu receives payment request, determines the score of each channel of disbursement in multiple channel of disbursement；According to multiple channel of disbursement
Score, determine the ranking of multiple channel of disbursement；And the ranking based on multiple channel of disbursement, automatically select channel of disbursement.
Brief description of the drawings
With reference to accompanying drawing and with reference to described further below, feature, advantage and other aspects of the presently disclosed embodiments will become
Must be more obvious, show some embodiments of the disclosure by way of example, and not by way of limitation herein, in the accompanying drawings：
Fig. 1 illustrates showing for the computer system 100 for being used to realize online e-payment in accordance with an embodiment of the present disclosure
Illustration；
Fig. 2 illustrates the method for automatically selecting channel of disbursement realized on the server in accordance with an embodiment of the present disclosure
200 flow chart；
Fig. 3 illustrates the flow chart of the method 300 of the channel of disbursement that is used to automatically switch in accordance with an embodiment of the present disclosure；
Fig. 4 illustrates the flow chart for being used to screen the method 400 of channel of disbursement in accordance with an embodiment of the present disclosure；
Fig. 5 illustrates showing for the illustrative methods 500 for being used to realize online e-payment in accordance with an embodiment of the present disclosure
It is intended to；And
Fig. 6 illustrates the schematic block diagram that can be used for implementing the equipment 600 of embodiment of the disclosure.
Embodiment
Each exemplary embodiment of the disclosure is described in detail below with reference to accompanying drawing.Flow chart and block diagram in accompanying drawing are shown
According to architectural framework in the cards, function and the operation of the method and system of the various embodiments of the disclosure.It should be noted that
Each square frame in flow chart or block diagram can represent a part for a module, program segment or code, the module, program
The a part of of section or code can include one or more being used to realize holding for the logic function of defined in each embodiment
Row instruction.It should also be noted that in some realizations alternately, the function of being marked in square frame can also be according to different from attached
The order marked in figure occurs.For example, two square frames succeedingly represented can essentially perform substantially in parallel, or it
Can also perform in a reverse order sometimes, this depends on involved function.It should also be noted that flow chart
And/or the combination of each square frame and flow chart in block diagram and/or the square frame in block diagram, work(as defined in performing can be used
Can or the special hardware based system of operation realize, or the combination of specialized hardware and computer instruction can be used
Realize.
Term as used herein " comprising ", "comprising" and similar terms are understood to the term of opening, i.e.,
" including/including but not limited to ", expression can also include other guide.In this disclosure, term "based" is " at least portion
It is based on dividing "；Term " one embodiment " expression " at least one embodiment "；Term " another embodiment " expression is " at least one
Further embodiment ".
In embodiment of the disclosure, term " channel of disbursement " refer to carry out e-payment when docking Third-party payment,
Bankcard association or the channel of bank, it encapsulates the business to bank, comprising such as payment rate, the means of payment, pays in advance
The information such as time phase.Term " service provider " represents the provider for providing payment services, such as bank, bank organization or the 3rd
Fang Zhifu companies etc..
It should be appreciated that provide these exemplary embodiments merely to make those skilled in the art better understood when into
And embodiment of the disclosure is realized, and do not in any way limit the scope of the invention.
Fig. 1 illustrates showing for the computer system 100 for being used to realize online e-payment in accordance with an embodiment of the present disclosure
Illustration.As shown in figure 1, computer system 100 include client 110, client 120, client 130, first server 140,
The server 160 of second server 150 and the 3rd, interconnected by network 170 between these equipment.Alternatively, network 150
Internet, wide area network, Metropolitan Area Network (MAN), LAN, VPN, cordless communication network etc. can be included but is not limited to.
In certain embodiments, client 110 can be desktop computer, and client 120 can be laptop computer,
Client 130 can be mobile device, wherein mobile device refer to it is various possess access the Internet capability, carry it is various operation system
System (including but is not limited to iOS, Android, Windows Phone etc.), the terminal that various functions can be customized according to user's request
Equipment, including but not limited to smart mobile phone, tablet personal computer and intelligent wearable device etc..
In some embodiments, first server 140 can be the paying server provided by the platform business of payment transaction,
Such as platform business can be operator either the platform business of P2P (Peer to Peer) services and other energy of ecommerce
Enough receive any company or the tissue of e-payment；The server 160 of second server 150 and the 3rd can be bank server,
Bank organization's server or Third-party payment platform server etc..In certain embodiments, client 110, client 120 and visitor
Family end 130 accesses the user interface for being used to pay provided by first server 140 by network 170.
In one embodiment, client 110, client 120 or client 130 can be in the offers of first server 140
Paid in webpage, for example, user selects channel of disbursement to complete payment process in webpage.In another embodiment,
Client 130 can carry out completing payment process in application program (for example, APP) mounted thereto.
In certain embodiments, first server 140 comes from client 110, client 120 or client receiving
During 130 payment request, the payment request received is handled, and the information after processing is sent to such as second service
The server 160 of device 150 and/or the 3rd, to complete specifically to pay by the server 160 of second server 150 and/or the 3rd
Journey.
In certain embodiments, first server 140 can record client 110, client 120 or client 130 or
They are accustomed to using the personal information or payment of user, for example, the user of client 110 compares paying to account time requirement
Height, then it can record the frequent channel of disbursement used of the user of client 110 and recommend to the account time to it and prop up faster
Pay channel.
Although it should be appreciated that illustrate only three clients and three servers in Fig. 1, there may be more
Individual client and server；Although only showing the paying server 140 of a platform business, system 100 can include multiple
Multiple paying servers of distribution ground arrangement, the scope not limited to this of embodiment of the disclosure.
Fig. 2 illustrates the method for automatically selecting channel of disbursement realized on the server in accordance with an embodiment of the present disclosure
200 flow chart, method 200 can for example be performed as the first server 140 described by Fig. 1.In step 202, from client
Receive and pay request.For example, first server 140 receives payment request by network 170 from client 130, wherein paying
Request can include charging request and request of withdrawing deposit.In charging request, the generally chosen channel of disbursement specified of user,
Withdraw deposit in request, user may be without any channel of disbursement specified of selection, but is selected automatically for user by server.
In step 204, request is paid in response to receiving, determines obtaining for each channel of disbursement in multiple channel of disbursement
Point.For example, according to code of points, each channel of disbursement is scored.Code of points includes the selection tool for channel of disbursement
Influential Multiple factors, each factor can set different weights according to its importance.
In certain embodiments, can the payment success rate based on each channel of disbursement in multiple channel of disbursement, payment
Service charge and payment estimated completion time, the score of each channel of disbursement in multiple channel of disbursement is determined, wherein, pay into
Power can include history and pay success rate and real-time success rate, and payment services expense represents to pay required extra charge, such as
Often payment 10000 yuan of needs, 2 yuan of service charges, pay estimated completion time and represent that payment process is completed the required time, such as
Account is arrived on the day of the day of trade or next day of trade arrives account etc..It is alternatively possible to paying success rate, payment services expense and paying
Estimated completion time sets different weights, so that it is determined that the score after the weighting of each channel of disbursement.
In one embodiment, for supplementing payment with money, made a reservation for based on paying success rate, payment services expense, paying
Into the time and the mode that redirects is paid, the score of the first channel and the second channel can be confirmed as such as 90 points and 80 respectively
Point, wherein the webpage that application programming interfaces (API) are directly connected to or redirected between the page can be included by paying the mode that redirects
Redirect, the T in table 1 represents the day of trade, then T+0 represents to arrive account on the day of the day of trade, and T+1 represents to arrive on the day of next day of trade
Account.
Table 1：The score example of channel of disbursement when supplementing payment with money
| Pay success rate | Payment services expense | Estimated completion time | Payment redirects mode | Total score | |
| First channel | 90% | 2/10000ths | T+0 is to account | API is direct-connected | 90 |
| Second channel | 95% | 2/10000ths | T+1 is to account | Webpage redirects | 80 |
In another embodiment, for payment of withdrawing deposit, made a reservation for based on paying success rate, payment services expense, paying
The score of deadline and trade company's remaining sum, the first channel and the second channel can be confirmed as such as 80 points and 90 points respectively,
What wherein trade company's remaining sum represented the trade company works as remaining sum situation, and the T in table 2 represents the day of trade, then T+0 represents to arrive on the day of the day of trade
Account, T+1 represent to arrive account on the day of next day of trade.
Table 2：Withdraw deposit pay when channel of disbursement score example
| Pay success rate | Payment services expense | Estimated completion time | Trade company's remaining sum | Total score | |
| First channel | 90% | 2/10000ths | T+0 is to account | 20000 | 80 |
| Second channel | 90% | 2/10000ths | T+0 or T+1 is to account | 50000 | 90 |
Method 200 continues to step 206, according to the score of multiple channel of disbursement, determines the row of multiple channel of disbursement
Name.Using the score according to each channel of disbursement for example determined by table 1 or table 2, the ranking between all channel of disbursement is determined
(for example, ranked list).Alternatively, for supplementing channel of disbursement and channel of disbursement of withdrawing deposit with money, it can respectively set and supplement with money
Channel of disbursement ranking and channel of disbursement ranking of withdrawing deposit.
In one embodiment, the payment preferences of user can be obtained from client, and are adjusted based on payment preferences
The ranking of multiple channel of disbursement.If for example, user for compare be concerned about payment services expense, can be by the power of payment services expense
Reset put it is higher so that in channel of disbursement ranking, the relatively low channel of disbursement of payment services expense being capable of relatively forward arrangement.Example again
Such as, if user is for higher to account time requirement, the channel of disbursement on the day of the day of trade to account can be set higher ranked,
So as to meet the individual demand of user.
In step 208, based on the ranking of multiple channel of disbursement, channel of disbursement is automatically selected.It is excellent according to identified ranking
First select the higher channel of disbursement of ranking to be paid, and automatically select when current channel of disbursement fails next optimal
Channel of disbursement is paid.Therefore, by carrying out ranking to all channel of disbursement, optimal available branch can be dynamically selected
Channel is paid, and when current channel of disbursement fails, next available channel of disbursement can be automatically selected, be effectively improved payment
Efficiency and Consumer's Experience.
Fig. 3 illustrates the flow chart of the method 300 of the channel of disbursement that is used to automatically switch in accordance with an embodiment of the present disclosure, side
Method 300 can for example be performed as the first server 140 described by Fig. 1 and can be in the method 200 described in Fig. 2
The sub-step of step 208.
In step 302, asked in response to the payment received from client, first server 140, which starts to perform to pay, appoints
Business.In step 304, N is arranged to be incremented by 1, i.e. N=N+1, wherein N are natural number.In step 306, n-th is selected to pay canal
Road is paid.Alternatively, N value can be initially 0, i.e., initially select first channel of disbursement in ranking.
In step 308, judge whether current channel of disbursement pays success, for example, being carried out in first channel of disbursement of selection
During payment, judge whether first in ranking channel of disbursement pays success.If paid successfully, in step 312, to client
End, which is sent, pays successful confirmation message.If paying failure, next payment of in ranking, current channel of disbursement is selected
Channel is paid.For example, when first channel of disbursement pays failure, automatically select second channel of disbursement and re-execute branch
The process of paying, without any manually operated of user.
In addition, when it is determined that current channel of disbursement pays failure, in step 310, also to judge whether also remaining branch
Pay channel not to be chosen, if it is, continuing to select next channel of disbursement to re-execute payment process 306.If not, i.e.
All channel of disbursement are selected, then show that all channel of disbursement pay failure, then in method 314, to client
Send and pay failure.Alternatively, when channel of disbursement pays failure, the wrong generation of current channel of disbursement failure is obtained
Code, and determine based on error code the Fail Type of current channel of disbursement.Then, failure is paid in all channel of disbursement
When, paying server also sends the type and reason for paying failure to client, to improve the payment of user experience.
In certain embodiments, can to due to channel of disbursement failure and return error code and information carry out statistics and
Analysis, and determine that (such as order is not present, channel of disbursement is unavailable, bank server for the Fail Type that can retry automatically
Gateway time-out etc.), machine learning can also be carried out to these information, so as to be repaiied automatically when follow-up similar wrong
It is multiple.
Fig. 4 illustrates the flow chart for being used to screen the method 400 of channel of disbursement in accordance with an embodiment of the present disclosure, method
400 can for example be performed as the first server 140 described by Fig. 1 and can be Fig. 2 described in method 200 in step
Rapid 206 sub-step.
In step 402, start to perform the process of channel of disbursement screening, such as to each payment canal in all channel of disbursement
Road is screened successively, and asks extraction payment data from paying, and wherein payment data includes the amount of money and bank etc..For example,
Extracted from specific payment request：User A withdraws deposit 20000 yuan to B banks from account.In step 404, whether service provider is judged
Current channel of disbursement is supported, wherein service quotient representation is used to providing the providers of payment services, such as bank, bank organization or the
Tripartite's payment company etc..If service provider does not support current channel of disbursement, illustrate that current channel of disbursement can not be completed to be directed to such as B
The payment request of bank, then in step 406, remove current channel of disbursement from ranking.
In the case of payment of withdrawing deposit, if service provider supports current channel of disbursement, in step 408, it can also judge
Whether remaining sum is enough, that is, judges whether to meet that user withdraws deposit required account balance.If remaining sum is inadequate, in step
410 remove current channel of disbursement, if remaining sum is enough, in step 412, it is determined that the score of current channel of disbursement.Finally, generate
The ranking of after renewal, orderly and available channel of disbursement.
It should be appreciated that method 400 is in response to pay request and perform in real time in receiving from client.Institute in ranking
Have in channel of disbursement, possible some channel of disbursement can not support the payment of user to ask (for example, not supporting silver-colored used in user
Row card does not support number needed for user), therefore, by filtering out available channel of disbursement, it is possible to increase payment into
Power and Consumer's Experience.
Fig. 5 illustrates showing for the illustrative methods 500 for being used to realize online e-payment in accordance with an embodiment of the present disclosure
It is intended to.Although taken it should be appreciated that being shown in Fig. 5 in client 130, first server 140, second server 150 and the 3rd
Interaction between business device 160, but exemplary embodiment is only for, without limiting the scope of the present disclosure.Although only shown in Fig. 5
Two channel of disbursement, but the quantity of channel of disbursement can be more.Alternatively, first server 140 can be platform business
Paying server, the server 160 of second server 150 and the 3rd can be bank server or Third-party payment server.
In action 502, client 130 sends to first server 140 and pays request.In action 504, first server
140, in response to receiving payment request from client 130, determine the score of channel of disbursement currently available in multiple channel of disbursement
And ranking, disabled one or more channel of disbursement are asked to the payment it is alternatively possible to remove in the ranking.Then,
One server initially selects the first channel of disbursement (such as the channel of disbursement provided by second server 150) to rank the first,
In action 506, first server 140 sends to second server 150 and pays request.However, in action 508, second server
150 pay failure, and are sent to first server 140 and pay failure and error code.In action 510, the first clothes
Business device 140 is based on error code, it may be determined that the Fail Type of the first channel of disbursement.
First server 140 automatically selects what is be number two after the first channel of disbursement failure is received
Second channel of disbursement (such as the channel of disbursement provided by the 3rd server 160), without any manual operation or intervention.
Next, in action 512, first server 140 is sent to the 3rd server 160 pays request, and is acting 514, first
Server 140 receives from the 3rd server 160 and pays successful confirmation message.Then, in action 516, first server 140
To pay successful confirmation message be transmitted to client 130 so as to inform the user of client 130 pay request by successfully by
Reason.In addition, when all channel of disbursement fail, first server 140 sends to client 130 and pays failure.
Alternatively, in the case where supplementing payment with money, the operation of password or identifying code is inputted due to being related to user, thus is used
Family generally manually selects channel of disbursement.Therefore, when current channel of disbursement fails, it can not be and automatically select next payment
Channel, but recommend next channel of disbursement in channel of disbursement ranking to user, to be manually selected by user.
In addition, a kind of equipment for automatically selecting channel of disbursement realized on the server is additionally provided, including：Memory；
And processor, the processor are coupled and are configured as with the memory：Received from client and pay request；In response to
Payment request is received, determines the score of each channel of disbursement in multiple channel of disbursement；According to the score of multiple channel of disbursement,
Determine the ranking of multiple channel of disbursement；And the ranking based on multiple channel of disbursement, automatically select channel of disbursement.It should be appreciated that
The equipment sharp can be realized in various manners.For example, in certain embodiments, the equipment can by hardware, software or
The combination of software and hardware is realized.Wherein, hardware components can be realized using special logic；Software section can then store
In memory, by appropriate instruction execution system, such as microprocessor or special designs hardware perform.This area it is general
Logical technical staff is appreciated that above-mentioned method and system can use computer executable instructions and/or included in processor control
Realized in code processed, for example, such as disk, optical disk carrier medium, such as read-only storage programmable memory or
Such code is provided in the data medium of such as optics or electrical signal carrier.The equipment and device of embodiment of the disclosure
Not only can be by the semiconductor or such as of super large-scale integration OR gate array, logic chip, transistor etc.
The hardware circuit of the programmable hardware device of field programmable gate array, programmable logic device etc. is realized, can also be used for example
Realized, can also be realized by the combination of above-mentioned hardware circuit and software as the software performed by various types of processors.
Fig. 6 illustrates the schematic block diagram that can be used for implementing the equipment 600 of embodiment of the disclosure.As illustrated, set
Standby 600 include CPU (CPU) 601, and it can be according to the computer journey being stored in read-only storage (ROM) 602
Sequence instructs or is loaded into the computer program instructions in random access storage device (RAM) 603 from memory cell 608, to perform
Various appropriate actions and processing.In RAM 603, can also storage device 600 operate required various programs and data.CPU
601st, ROM 602 and RAM 603 are connected with each other by bus 604.Input/output (I/O) interface 605 is also connected to bus
604。
Multiple parts in equipment 600 are connected to I/O interfaces 605, including：Input block 606, such as keyboard, mouse etc.；
Output unit 607, such as various types of displays, loudspeaker etc.；Memory cell 608, such as disk, CD etc.；It is and logical
Believe unit 609, such as network interface card, modem, wireless communication transceiver etc..Communication unit 609 allows equipment 600 by such as
The computer network of internet and/or various communication networks exchange information/data with other equipment.
Each process as described above and processing, such as method or process 200,300,400 and 500, can be single by processing
Member 601 performs.For example, in certain embodiments, method or process 200,300,400 and 500, computer software can be implemented as
Program, it is tangibly embodied in machine readable media, such as memory cell 608.In certain embodiments, computer program
It is some or all of to be loaded into and/or be installed in equipment 600 via ROM 602 and/or communication unit 609.Work as meter
When calculation machine program is loaded into RAM 603 and performed by CPU 601, can perform method as described above or process 200,300,
One or more of 400 and 500 steps or action.
Computer program product can include computer-readable recording medium, containing for performing each of the disclosure
The computer-readable program instructions of aspect.Computer-readable recording medium can keep and store to perform equipment by instruction
The tangible device of the instruction used.Computer-readable recording medium for example can be-- but be not limited to-- storage device electric,
Magnetic storage apparatus, light storage device, electromagnetism storage device, semiconductor memory apparatus or above-mentioned any appropriate combination.Meter
The more specifically example (non exhaustive list) of calculation machine readable storage medium storing program for executing includes：Portable computer diskette, hard disk, arbitrary access
Memory (RAM), read-only storage (ROM), erasable programmable read only memory (EPROM or flash memory), static random-access
Memory (SRAM), Portable compressed disk read-only storage (CD-ROM), digital versatile disc (DVD), memory stick, floppy disk, machine
Tool encoding device, the punch card for being for example stored thereon with instruction or groove internal projection structure and above-mentioned any appropriate group
Close.Computer-readable recording medium used herein above is not construed as instantaneous signal in itself, such as radio wave or other
The electromagnetic wave of Free propagation, the electromagnetic wave propagated by waveguide or other transmission mediums are (for example, the light arteries and veins for passing through fiber optic cables
Punching) or by electric wire transmit electric signal.
Computer-readable program instructions described herein can be downloaded to from computer-readable recording medium it is each calculate/
Processing equipment, or outer computer or outer is downloaded to by network, such as internet, LAN, wide area network and/or wireless network
Portion's storage device.Network can include copper transmission cable, optical fiber is transmitted, is wirelessly transferred, router, fire wall, interchanger, gateway
Computer and/or Edge Server.Adapter or network interface in each calculating/processing equipment receive from network to be counted
Calculation machine readable program instructions, and the computer-readable program instructions are forwarded, for the meter being stored in each calculating/processing equipment
In calculation machine readable storage medium storing program for executing.
Computer program instructions for performing present disclosure operation can be assembly instruction, instruction set architecture (ISA)
Instruction, machine instruction, machine-dependent instructions, microcode, firmware instructions, condition setup data or with one or more program
The source code or object code that any combination of language is write, programming language of the programming language including object-oriented-such as
Smalltalk, C++ etc., and conventional procedural programming languages-such as " C " language or similar programming language.Computer
Readable program instructions fully can on the user computer perform, partly perform on the user computer, be only as one
Vertical software kit performs, part performs or completely in remote computer on the remote computer on the user computer for part
Or performed on server.In the situation of remote computer is related to, remote computer can pass through network-bag of any kind
LAN (LAN) or wide area network (WAN)-be connected to subscriber computer are included, or, it may be connected to outer computer (such as profit
Pass through Internet connection with ISP).In certain embodiments, by using computer-readable program instructions
Status information carry out personalized customization electronic circuit, such as PLD, field programmable gate array (FPGA) or can
Programmed logic array (PLA) (PLA), the electronic circuit can perform computer-readable program instructions, so as to realize each of present disclosure
Individual aspect.
If it should be noted that although being referred to the equipment for drying or sub-device of equipment in detailed descriptions above, but it is this
Division is merely exemplary rather than enforceable.In fact, in accordance with an embodiment of the present disclosure, two or more above-described dresses
The feature and function put can embody in one apparatus.Conversely, the feature and function of an above-described device can be with
It is further divided into being embodied by multiple devices.
Embodiment of the disclosure alternative embodiment is the foregoing is only, is not limited to embodiment of the disclosure, for
For those skilled in the art, embodiment of the disclosure can have various modifications and variations.It is all in embodiment of the disclosure
Within spirit and principle, any modification for being made, equivalence replacement, improvement etc., the protection of embodiment of the disclosure should be included in
Within the scope of.
Although describe embodiment of the disclosure by reference to some specific embodiments, it should be appreciated that, the disclosure
Embodiment is not limited to disclosed specific embodiment.Embodiment of the disclosure be intended to appended claims spirit and
In the range of included various modifications and equivalent arrangements.The scope of appended claim meets broadest explanation, so as to wrap
Containing all such modifications and equivalent structure and function.
Claims (14)
1. a kind of method for automatically selecting channel of disbursement realized on the server, including：
Received from client and pay request；
In response to receiving the score for paying request, determining each channel of disbursement in multiple channel of disbursement；
According to the score of the multiple channel of disbursement, the ranking of the multiple channel of disbursement is determined；And
The ranking based on the multiple channel of disbursement, automatically selects channel of disbursement.
2. according to the method for claim 1, wherein determining the score of each channel of disbursement in multiple channel of disbursement includes：
It is based at least partially on and pays success rate, payment services expense and pay estimated completion time, determines multiple channel of disbursement
In each channel of disbursement score.
3. according to the method for claim 1, according to the score of the multiple channel of disbursement, determine the multiple payment
The ranking of channel includes：
Request extraction payment data is paid from described, the payment data includes the amount of money and bank；
Based on the payment data extracted, one or more branch in the multiple channel of disbursement, that service provider does not support are determined
Pay channel；And
One or more of channel of disbursement are removed from the ranking.
4. according to the method for claim 1, wherein the ranking based on the multiple channel of disbursement, automatically selects payment
Channel also includes：
If current channel of disbursement success, sends to the client and pays successful confirmation message；And
If the current channel of disbursement failure, retries next payment of in the ranking, current channel of disbursement automatically
Channel.
5. the method according to any one of claim 4, wherein retrying in the ranking, described current payment canal automatically
Next channel of disbursement in road includes：
Obtain the error code of the instruction current channel of disbursement failure；And
The Fail Type of the current channel of disbursement is determined based on the error code.
6. according to the method any one of claim 1-5, wherein described pay asks to include charging request and withdraw deposit to ask
Ask.
7. according to the method any one of claim 1-5, in addition to：
The payment preferences of user are obtained from client；And
The ranking of the multiple channel of disbursement is adjusted based on the payment preferences.
8. a kind of equipment for automatically selecting channel of disbursement, including：
Memory；And
Processor, the processor are coupled and are configured as with the memory：
Received from client and pay request；
In response to receiving the score for paying request, determining each channel of disbursement in multiple channel of disbursement；
According to the score of the multiple channel of disbursement, the ranking of the multiple channel of disbursement is determined；And
The ranking based on the multiple channel of disbursement, automatically selects channel of disbursement.
9. equipment according to claim 8, wherein determining the score of each channel of disbursement in multiple channel of disbursement includes：
It is based at least partially on and pays success rate, payment services expense and pay estimated completion time, determines multiple channel of disbursement
In each channel of disbursement score.
10. equipment according to claim 8, according to the score of the multiple channel of disbursement, determine the multiple branch
Paying the ranking of channel includes：
Request extraction payment data is paid from described, the payment data includes the amount of money and bank；
Based on the payment data extracted, one or more branch in the multiple channel of disbursement, that service provider does not support are determined
Pay channel；And
One or more of channel of disbursement are removed from the ranking.
11. equipment according to claim 8, wherein the ranking based on the multiple channel of disbursement, automatically selects branch
Paying channel also includes：
If current channel of disbursement success, sends to the client and pays successful confirmation message；And
If the current channel of disbursement failure, retries next payment of in the ranking, current channel of disbursement automatically
Channel.
12. the equipment according to any one of claim 11, wherein retrying in the ranking, described current payment automatically
Next channel of disbursement of channel includes：
Obtain the error code of the instruction current channel of disbursement failure；And
The Fail Type of the current channel of disbursement is determined based on the error code.
13. according to the equipment any one of claim 8-12, wherein described pay is asked to include charging request and withdrawn deposit
Request.
14. according to the equipment any one of claim 8-12, the processor is additionally configured to：
The payment preferences of user are obtained from client；And
The ranking of the multiple channel of disbursement is adjusted based on the payment preferences.
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| CN201610390813.5A CN107464108A (en) | 2016-06-03 | 2016-06-03 | The method and apparatus for automatically selecting channel of disbursement |
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| CN201610390813.5A CN107464108A (en) | 2016-06-03 | 2016-06-03 | The method and apparatus for automatically selecting channel of disbursement |
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