CN107871234A - Electric paying method and application server - Google Patents
Electric paying method and application server Download PDFInfo
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- CN107871234A CN107871234A CN201710875646.8A CN201710875646A CN107871234A CN 107871234 A CN107871234 A CN 107871234A CN 201710875646 A CN201710875646 A CN 201710875646A CN 107871234 A CN107871234 A CN 107871234A
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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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The invention discloses a kind of electric paying method, methods described includes：Login request message is sent to each channel of disbursement；The registration reply message that each channel of disbursement returns is received, the registration reply message includes the attribute information of each channel of disbursement；Classified finishing is carried out in units of the mark of channel of disbursement to the attribute information of each channel of disbursement and forms channel attribute list；Receive Client-initiated and pay request, and user's payment information is parsed from described pay in request；User's payment information is matched with the channel attribute list；And channel of disbursement corresponding with the attribute information of user's payment information matching is paid in the selection channel attribute list.The present invention also provides a kind of application server.Electric paying method and application server provided by the invention, an optimal channel of disbursement is automatically planned or selected to the payment information that can be selected according to user for user, and then lifts Consumer's Experience.
Description
Technical field
The present invention relates to communication technical field, more particularly to a kind of electric paying method and application server.
Background technology
Increasing Third-party payment platform all supports many channel of disbursement at present, for example U.S. group pays, 12306
Pay etc., asked when the consumption platform or pure Third-party payment platform that are associated in these Third-party payment platforms pay
When asking, because these Third-party payment platforms associate many channel of disbursement, such as each big bank, even Alipay or micro-
Letter pay, Third-party payment interface typically can in the form of a list by all channel of disbursement enter row-column list present, then for
Family selects, but this way is only merely to be presented to the list list of each channel of disbursement of user at present, and user can not be artificial
Quickly optimal channel of disbursement is selected from many channel of disbursement, that is, have impact on Consumer's Experience.
The content of the invention
In view of this, the present invention proposes a kind of electric paying method and application server, can provide the user it is a variety of
While different channel of disbursement, moreover it is possible to which the payment information selected according to user automatically for user's planning or selects one most
Excellent channel of disbursement, and then lift Consumer's Experience.
First, to achieve the above object, the present invention proposes a kind of application server, and the application server includes storage
Device, processor and the e-payment program that can be run on the memory and on the processor is stored in, the electronics branch
Following steps are realized when paying program by the computing device：
Login request message is sent to each channel of disbursement；
The registration reply message that each channel of disbursement returns is received, the registration reply message includes described each
Pay the attribute information of channel；
Classified finishing is carried out in units of the mark of channel of disbursement to the attribute information of each channel of disbursement and formed
Channel attribute list；
Receive Client-initiated and pay request, and user's payment information is parsed from described pay in request；
User's payment information is matched with the channel attribute list；And
Channel of disbursement corresponding with the attribute information of user's payment information matching in the channel attribute list is selected to enter
Row is paid.
Alternatively, the attribute information includes the first attribute information, and first attribute information includes：Payment transaction level
Not, payment transaction type, the single limit of channel, the odd-numbered day limit of channel, the service time of channel；User's payment information
Including：The payment transaction rank of user's selection, payment transaction type, payment, time of payment.
Alternatively, the attribute information also includes the second attribute information, and second attribute information includes：The stabilization of channel
Property, the payment success rate of the concurrency of channel, channel, the state of channel, channel to account timeliness and channel pay rate.
Alternatively, it is corresponding with the attribute information of user's payment information matching in the selection channel attribute list
The step of channel of disbursement is paid, specifically include：
When the first attribute information in the attribute information for the channel that predetermined number in channel attribute list be present and user's branch
When paying information matches, the second attribute information in the attribute information of the channel of the predetermined number determines and user's branch
Pay channel of disbursement corresponding to the attribute information of information matches.
In addition, to achieve the above object, the present invention also provides a kind of electric paying method, and this method is applied to application service
Device, methods described include：
Login request message is sent to each channel of disbursement；
The registration reply message that each channel of disbursement returns is received, the registration reply message includes described each
Pay the attribute information of channel；
Classified finishing is carried out in units of the mark of channel of disbursement to the attribute information of each channel of disbursement and formed
Channel attribute list；
Receive Client-initiated and pay request, and user's payment information is parsed from described pay in request；
User's payment information is matched with the channel attribute list；And
Channel of disbursement corresponding with the attribute information of user's payment information matching in the channel attribute list is selected to enter
Row is paid.
Alternatively, the attribute information includes the first attribute information, and first attribute information includes：Payment transaction level
Not, payment transaction type, the single limit of channel, the odd-numbered day limit of channel, the service time of channel；User's payment information
Including：The payment transaction rank of user's selection, payment transaction type, payment, time of payment.
Alternatively, described the step of being matched user's payment information with the channel attribute list, specifically include：
Judge the payment transaction rank, payment transaction type and the first attribute information in the channel attribute list of user's selection
In payment transaction rank, payment transaction type it is whether identical；
When in the first attribute information in the payment transaction rank, payment transaction type and the channel attribute list of user's selection
Payment transaction rank, payment transaction type it is identical when, then determine whether the payment of user's selection whether less than described
The single limit of channel in first attribute information and the odd-numbered day limit of channel, and judge that the time of payment that user selects is simultaneously
In the service time of the no channel in first attribute information；And
The single limit of channel and the list of channel being less than when the payment of user's selection in first attribute information
Day Sum Limited, meanwhile, when in the service time of channel of the time of payment in first attribute information of user's selection, then judge
First attribute information matches with user's payment information.
Alternatively, the attribute information also includes the second attribute information, and second attribute information includes：The stabilization of channel
Property, the payment success rate of the concurrency of channel, channel, the state of channel, channel to account timeliness and channel pay rate.
Alternatively, it is corresponding with the attribute information of user's payment information matching in the selection channel attribute list
The step of channel of disbursement is paid, specifically include：
When the first attribute information in the attribute information for the channel that predetermined number in channel attribute list be present and user's branch
When paying information matches, the second attribute information in the attribute information of the channel of the predetermined number determines and user's branch
Pay channel of disbursement corresponding to the attribute information of information matches.
Further, to achieve the above object, the present invention also provides a kind of computer-readable recording medium, the computer
Readable storage medium storing program for executing is stored with e-payment program, and the e-payment program can be by least one computing device, so that institute
The step of stating at least one computing device electric paying method described above.
Compared to prior art, application server proposed by the invention, electric paying method and computer-readable storage
Medium, first, login request message is sent to each channel of disbursement；Secondly, the registration that each channel of disbursement returns is received
Response message, the registration reply message include the attribute information of each channel of disbursement；Again, to each payment canal
The attribute information in road is carried out classified finishing in units of the mark of channel of disbursement and forms channel attribute list；Then, user is received
The payment request of initiation, and parse user's payment information from described pay in request；Then, by user's payment information with
The channel attribute list is matched；Finally, the attribute matched in the channel attribute list with user's payment information is selected
Channel of disbursement is paid corresponding to information.This way it is possible to avoid simply it is presented to each channel of disbursement of user in the prior art
List list, user can not be artificially quickly the drawbacks of optimal channel of disbursement is selected from many channel of disbursement,
Can be while a variety of different channel of disbursement be provided the user, moreover it is possible to which the payment information selected according to user is automatically use
An optimal channel of disbursement is planned or selected at family, and then lifts Consumer's Experience.
Brief description of the drawings
Fig. 1 is the schematic diagram of one optional hardware structure of application server；
Fig. 2 is the Program modual graph of e-payment program first embodiment of the present invention；
Fig. 3 is the flow chart of electric paying method first embodiment of the present invention；
Fig. 4 is the flow chart of electric paying method second embodiment of the present invention.
Reference：
| Application server | 1 |
| Memory | 11 |
| Processor | 12 |
| Network interface | 13 |
| E-payment program | 200 |
| Request module | 201 |
| Receiving module | 202 |
| Sorting module | 203 |
| Parsing module | 204 |
| Matching module | 205 |
| Payment module | 206 |
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that specific embodiment described herein is only to explain the present invention, not
For limiting the present invention.Based on the embodiment in the present invention, those of ordinary skill in the art are not before creative work is made
The every other embodiment obtained is put, belongs to the scope of protection of the invention.
It should be noted that the description for being related to " first ", " second " etc. in the present invention is only used for describing purpose, and can not
It is interpreted as indicating or implies its relative importance or imply the quantity of the technical characteristic indicated by indicating.Thus, define " the
One ", at least one this feature can be expressed or be implicitly included to the feature of " second ".In addition, the skill between each embodiment
Art scheme can be combined with each other, but must can be implemented as basis with those of ordinary skill in the art, when technical scheme
With reference to occurring conflicting or will be understood that the combination of this technical scheme is not present when can not realize, also not in application claims
Protection domain within.
As shown in fig.1, it is the schematic diagram of 1 one optional hardware structure of application server.
The application server 1 can be rack-mount server, blade server, tower server or cabinet-type service
The computing devices such as device, the application server 1 can be the servers that independent server or multiple servers are formed
Cluster.
In the present embodiment, the application server 1 may include, but be not limited only to, and company can be in communication with each other by system bus
Connect memory 11, processor 12, network interface 13.
The application server 1 connects network by network interface 13, obtains information.The network can be enterprises
Net (Intranet), internet (Internet), global system for mobile communications (Global Systemof Mobile
Communication, GSM), WCDMA (Wideband Code DivisionMultiple Access, WCDMA),
The wirelessly or non-wirelessly network such as 4G networks, 5G networks, bluetooth (Bluetooth), Wi-Fi, speech path network.
It is pointed out that Fig. 1 illustrate only the application server 1 with component 11-13, it should be understood that simultaneously
All components shown realistic are not applied, the more or less component of the implementation that can be substituted.
Wherein, the memory 11 comprises at least a type of readable storage medium storing program for executing, and the readable storage medium storing program for executing includes
Flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memories etc.), random access storage device (RAM), it is static with
Machine access memory (SRAM), read-only storage (ROM), Electrically Erasable Read Only Memory (EEPROM), it is programmable only
Read memory (PROM), magnetic storage, disk, CD etc..In certain embodiments, the memory 11 can be described answers
With the hard disk or internal memory of the internal storage unit of server 1, such as the application server 1.In further embodiments, it is described to deposit
Reservoir 11 can also be the External memory equipment of the application server 1, such as the plug-in type that the application server 1 is equipped with is hard
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card) etc..Certainly, the memory 11 can also both include the internal storage unit of the application server 1 or wrap
Include its External memory equipment.In the present embodiment, the memory 11 is generally used for the behaviour that storage is installed on the application server 1
Make system and types of applications software, such as program code of the e-payment program 200 etc..In addition, the memory 11 is also
It can be used for temporarily storing the Various types of data that has exported or will export.
The processor 12 can be in certain embodiments central processing unit (Central ProcessingUnit,
CPU), controller, microcontroller, microprocessor or other data processing chips.The processor 12 is generally used for should described in control
With the overall operation of server 1, such as execution data interaction or the control of communication correlation and processing etc..In the present embodiment, institute
State processor 12 to be used to run the program code stored in the memory 11 or processing data, such as run described electronics
Payment program 200 etc..
The network interface 13 may include radio network interface or wired network interface, and the network interface 13 is generally used for
Communication connection is established between the application server 1 and other electronic equipments.
In the present embodiment, installed in the application server 1 and run e-payment program 200, when the electronics branch
When paying the operation of program 200, the application server 1 sends login request message to each channel of disbursement；Receive described each
The registration reply message that channel returns is paid, the registration reply message includes the attribute information of each channel of disbursement；To institute
The attribute information for stating each channel of disbursement is carried out classified finishing in units of the mark of channel of disbursement and forms channel attribute list；Connect
Receive Client-initiated and pay request, and user's payment information is parsed from described pay in request；By user's payment information
Matched with the channel attribute list；And the attribute letter matched in the selection channel attribute list with user's payment information
Channel of disbursement is paid corresponding to breath.This way it is possible to avoid simply it is presented to each channel of disbursement of user in the prior art
List list, user can not be artificially quickly the drawbacks of optimal channel of disbursement is selected from many channel of disbursement, can
With while a variety of different channel of disbursement are provided the user, moreover it is possible to according to the payment information that user selects be automatically user
An optimal channel of disbursement is planned or selected, and then lifts Consumer's Experience.
So far, oneself is through describing the hardware configuration and function of the relevant device of each embodiment of the present invention in detail.Below, will
Based on above-mentioned application environment and relevant device, each embodiment of the invention is proposed.
First, the present invention proposes a kind of e-payment program 200.
In the present embodiment, described e-payment program 200 includes a series of computer being stored on memory 11
Programmed instruction, when the computer program instructions are performed by processor 12, it is possible to achieve the e-payment of various embodiments of the present invention
Operation.In certain embodiments, the specific operation realized based on the computer program instructions each several part, the e-payment
Program 200 can be divided into one or more modules.For example, in fig. 2, described e-payment program 200 can be divided
It is cut into request module 201, receiving module 202, sorting module 203, parsing module 204, matching module 205 and payment module
206.Wherein：
The request module 201, for sending login request message to each channel of disbursement.In the present embodiment, pay
Channel can include each big bank, such as various bank's canals such as Minsheng bank's channel, Bank of Beijing's channel, safety banking channels
Road, naturally it is also possible to including to Alipay or this third party's channel of wechat.Due to being related to e-payment, so must be in advance
Need to be registered to these channel of disbursement, and then obtain the payment authorization of channel of disbursement, and then normally implement payment function.
The receiving module 202, the registration reply message returned for receiving each channel of disbursement, the registration ring
Message is answered to include the attribute information of each channel of disbursement.Specifically, the attribute information includes the first attribute information, described
First attribute information includes：Payment transaction rank, payment transaction type, the single limit of channel, the odd-numbered day limit of channel, channel
Service time.
In the present embodiment, payment transaction rank refers to that user initiates payment transaction, may be selected to arrive account in real time, 2 hours
It is interior to arrive account, next day proposition etc.；Payment transaction type refers to that many types of service, such as online single are withheld, online single generation
Pay, reimbursement, pay out in batches, credit card repayment, bank card is transferred accounts, and specifically, the type of service of different channel supports is not yet
Equally.The single limit of channel refers to the amount per transaction by the channel.The odd-numbered day limit of channel is referred to by the canal
The amount that road is merchandised daily.For example, the daily transaction limit of bank card domestic consumer is not above 50,000 yuan.The service time of channel
Refer to the service time of channel support transaction, such as point every morning to 8 points at night.
The sorting module 203, for being identified as list to the attribute information of each channel of disbursement with channel of disbursement
Position carries out classified finishing and forms channel attribute list.
The parsing module 204, request is paid for receiving Client-initiated, and use is parsed from described pay in request
Family payment information.Specifically, user's payment information includes：Payment transaction rank, payment transaction type, the branch of user's selection
Pay the amount of money, time of payment.
The matching module 205, for after the parsing module 204 parses user's payment information, by the user
Payment information is matched with the channel attribute list.Specifically, the matching module 204 by following steps by the user
Payment information is matched with the channel attribute list：
The matching module 205, first determine whether the payment transaction rank, payment transaction type and the channel of user's selection
Whether the payment transaction rank, payment transaction type in attribute list in the first attribute information are identical.When the payment industry of user's selection
Business rank, payment transaction type and the payment transaction rank in the first attribute information in the channel attribute list, payment transaction class
When type is identical, then the matching module 205 determines whether the payment of user's selection is believed less than first attribute
The single limit of channel in breath and the odd-numbered day limit of channel, and judge the time of payment of user's selection whether described the simultaneously
In the service time of channel in one attribute information.Only, when the payment of user's selection is less than first attribute information
In the single limit of channel and the odd-numbered day limit of channel, meanwhile, user selection time of payment in first attribute information
In channel service time in when, then the matching module 205 judges first attribute information and user's disbursement letter
Breath matching.
The payment module 206, for the matching result drawn according to the matching module 205, select the channel category
Property table in paid with the corresponding channel of disbursement of attribute information of user's payment information matching.It is described in the present embodiment
Attribute information also includes the second attribute information, and second attribute information includes：The stability of channel, the concurrency of channel, canal
Payment success rate, the state of channel, channel to account timeliness and the channel in road pay rate.Have below to the second attribute information
The explanation of body.
In the present embodiment, the stability of channel refers to by the calculating to historical trading, when can draw past one section
In, the stability of each channel, under square one, the strong channel of Intelligent routing selection stability.
The concurrency of channel refers to the calculating by dynamic stock, can calculate in past a period of time, each channel
Concurrency performance, under square one, Intelligent routing can be according to the strong channel of concurrency.
The payment success rate of channel refers to by the payment success rate that each channel is calculated to historical trading, on an equal basis
In the case of, Intelligent routing selection pays the high channel of success rate.
The state of channel：Channel has different states, for example, normally, pause, or the state such as unavailable that happens suddenly, intelligent road
By channel need to be selected according to the state of channel.
Channel is to account timeliness：Calculated by the statistics of the transaction to history storage, being failed to account for different channels can be drawn,
Under equal conditions, Intelligent routing can help customer selecting to the most short channel of account timeliness.
Channel pays rate：, it is necessary to the corresponding rate paid when being paid by corresponding channel.
In the present embodiment, when in the attribute information for the channel that predetermined number (for example, at least two) in channel attribute list be present
First attribute information (payment transaction rank, payment transaction type, the single limit of channel, the odd-numbered day limit of channel, the clothes of channel
The business time) when being matched with user's payment information, the payment module 206 is according to the predetermined number (for example, at least two)
Channel attribute information in the second attribute information (stability of channel, the concurrency of channel, the payment success rate of channel,
The state of channel, channel to account timeliness and channel pay rate) determine the attribute information pair that is matched with user's payment information
The channel of disbursement answered.The predetermined number is configured according to being actually needed by administrative staff, and the predetermined number is bigger, is paid
Channel is more excellent.
In the present embodiment, when the first attribute information that the payment information with user matches has multiple, that is, exist
Multiple support channels match the payment information of user, then then need according to the second attribute information in these channel attribute informations, choosing
Select an optimal channel to be paid, for example channel stability highest, channel concurrency are most strong, channel pays success rate
Highest, channel state be it is normal, channel to account timeliness it is most short etc..
It is described below with a specific embodiment:
Transaction (payment transaction type) is withheld when target trade company initiates one, the target trade company is that grade is in general visitor
Family, one is initiated at 10 points in the morning 100,000 is transferred accounts to Bank of China, selection is to arrive account in real time.
When i.e. described receiving module 202 receives the transaction request of the target trade company, the parsing module 204 parses institute
The payment transaction rank of target trade company selection is stated to arrive account in real time, payment transaction type is transferred accounts for bank card, payment 10
Ten thousandth, the time of payment is at 10 points in the morning.The matching module 205, the payment information of the target trade company is entered with channel attribute list
Row matching, to obtain suitable channel.The matching module 205 is matched by channel attribute list：People's livelihood channel and safety silver
Row all supports the service time of the transaction business type (transferring accounts), and the grade of service (real-time), people's livelihood channel and safety bank
With the time match (service time is at 10 points in the morning) of target trade company, for judging odd-numbered day amount and single amount, people's livelihood channel
Support that single is transferred accounts amount 100,000 with safety bank.Rate is finally judged, because people's livelihood channel is compared to flat in channel attribute list
It is lower to pacify the rate of bank, and the passage can use, success rate 99%, so the final matching module 205 have selected the people's livelihood
Channel.Therefore, the payment module 206, the matching result drawn according to the matching module 205 recommend the people's livelihood for target trade company
Channel is paid.
By said procedure module 201-206, e-payment program 200 proposed by the invention, first, to each payment
Channel sends login request message；Secondly, the registration reply message that each channel of disbursement returns, the registration response are received
Message includes the attribute information of each channel of disbursement；Again, to the attribute information of each channel of disbursement to pay canal
The mark in road is that unit carries out classified finishing and forms channel attribute list；Then, receive Client-initiated and pay request, and from institute
State in payment request and parse user's payment information；Then, by user's payment information and channel attribute list progress
Match somebody with somebody；Finally, channel of disbursement corresponding with the attribute information of user's payment information matching in the channel attribute list is selected to enter
Row is paid.This way it is possible to avoid being simply presented to the list list of each channel of disbursement of user in the prior art, user can not
It is artificial quickly the drawbacks of optimal channel of disbursement is selected from many channel of disbursement, can provide the user it is a variety of not
With channel of disbursement while, moreover it is possible to according to user select payment information automatically for user planning or select one it is optimal
Channel of disbursement, and then lifted Consumer's Experience.
In addition, the present invention also proposes a kind of electric paying method.
As shown in fig.3, it is the flow chart of electric paying method first embodiment of the present invention.In the present embodiment, according to
Different demands, the execution sequence of the step in flow chart shown in Fig. 3 can change, and some steps can be omitted.
Step S301, login request message is sent to each channel of disbursement.In the present embodiment, channel of disbursement can include
Each big bank, such as the various banking channels such as Minsheng bank's channel, Bank of Beijing's channel, safety banking channels, naturally it is also possible to
Including to Alipay or this third party's channel of wechat.Due to being related to e-payment, so must need to prop up to these in advance
Pay channel to be registered, and then obtain the payment authorization of channel of disbursement, and then normally implement payment function.
Step S302, receives the registration reply message that each channel of disbursement returns, and the registration reply message includes
The attribute information of each channel of disbursement.
Specifically, the attribute information includes the first attribute information, and first attribute information includes：Payment transaction level
Not, payment transaction type, the single limit of channel, the odd-numbered day limit of channel, the service time of channel.
In the present embodiment, payment transaction rank refers to that user initiates payment transaction, may be selected to arrive account in real time, 2 hours
It is interior to arrive account, next day proposition etc.；Payment transaction type refers to that many types of service, such as online single are withheld, online single generation
Pay, reimbursement, pay out in batches, credit card repayment, bank card is transferred accounts, and specifically, the type of service of different channel supports is not yet
Equally.The single limit of channel refers to the amount per transaction by the channel.The odd-numbered day limit of channel is referred to by the canal
The amount that road is merchandised daily.For example, the daily transaction limit of bank card domestic consumer is not above 50,000 yuan.The service time of channel
Refer to the service time of channel support transaction, such as point every morning to 8 points at night.
Step S303, the attribute information of each channel of disbursement is carried out sorting out in units of the mark of channel of disbursement whole
Manage and form channel attribute list.
Step S304, receive Client-initiated and pay request, and user's payment information is parsed from described pay in request.
Specifically, user's payment information includes：The payment transaction rank of user's selection, payment transaction type, payment, payment
Time.
Step S305, user's payment information is matched with the channel attribute list.Specifically, it is described by described in
The specific steps that user's payment information is matched with the channel attribute list, will be real the second of electric paying method of the present invention
Example (referring to Fig. 4) is applied to be described in detail.
Step S306, select branch corresponding with the attribute information of user's payment information matching in the channel attribute list
Channel is paid to be paid.
Specifically, the matching result that the application server 1 is drawn according to step S305, select in the channel attribute list
Channel of disbursement corresponding with the attribute information of user's payment information matching is paid.In the present embodiment, the attribute letter
Breath also includes the second attribute information, and second attribute information includes：The stability of channel, the concurrency of channel, the branch of channel
Pay success rate, the state of channel, channel to account timeliness and channel and pay rate.The second attribute information is carried out specifically below
It is bright.
In the present embodiment, the stability of channel refers to by the calculating to historical trading, when can draw past one section
In, the stability of each channel, under square one, the strong channel of Intelligent routing selection stability.
The concurrency of channel refers to the calculating by dynamic stock, can calculate in past a period of time, each channel
Concurrency performance, under square one, Intelligent routing can be according to the strong channel of concurrency.
The payment success rate of channel refers to by the payment success rate that each channel is calculated to historical trading, on an equal basis
In the case of, Intelligent routing selection pays the high channel of success rate.
The state of channel：Channel has different states, for example, normally, pause, or the state such as unavailable that happens suddenly, intelligent road
By channel need to be selected according to the state of channel.
Channel is to account timeliness：Calculated by the statistics of the transaction to history storage, being failed to account for different channels can be drawn,
Under equal conditions, Intelligent routing can help customer selecting to the most short channel of account timeliness.
Channel pays rate：, it is necessary to the corresponding rate paid when being paid by corresponding channel.
In the present embodiment, when in the attribute information for the channel that predetermined number (for example, at least two) in channel attribute list be present
First attribute information (payment transaction rank, payment transaction type, the single limit of channel, the odd-numbered day limit of channel, the clothes of channel
The business time) when being matched with user's payment information, the application server 1 is according to the predetermined number (for example, at least two)
Channel attribute information in the second attribute information (stability of channel, the concurrency of channel, the payment success rate of channel,
The state of channel, channel to account timeliness and channel pay rate) determine the attribute information pair that is matched with user's payment information
The channel of disbursement answered.The predetermined number is configured according to being actually needed by administrative staff, and the predetermined number is bigger, is paid
Channel is more excellent.
In the present embodiment, when the first attribute information that the payment information with user matches has multiple, that is, exist
Multiple support channels match the payment information of user, then then need according to the second attribute information in these channel attribute informations, choosing
Select an optimal channel to be paid, for example channel stability highest, channel concurrency are most strong, channel pays success rate
Highest, channel state be it is normal, channel to account timeliness it is most short etc..
It is described below with a specific embodiment:
Transaction (payment transaction type) is withheld when target trade company initiates one, the target trade company is that grade is in general visitor
Family, one is initiated at 10 points in the morning 100,000 is transferred accounts to Bank of China, selection is to arrive account in real time.
When i.e. described application server 1 receives the transaction request of the target trade company, the target trade company selection is parsed
Payment transaction rank to arrive account in real time, payment transaction type is transferred accounts for bank card, on payment is 100,000, the time of payment is
10 points of noon.The application server 1, the payment information of the target trade company is matched with channel attribute list, to be closed
Suitable channel.
The application server 1 is matched by channel attribute list：People's livelihood channel and safety bank all support the transaction industry
Service type (is transferred accounts), and the grade of service (real-time), also time with target trade company service time of people's livelihood channel and safety bank
Match (service time is at 10 points in the morning), for judging odd-numbered day amount and single amount, people's livelihood channel and safety bank support
Single is transferred accounts amount 100,000.Finally judge rate, because people's livelihood channel is lower compared to the rate of safety bank in channel attribute list,
And the passage can use, success rate 99%, so the final application server 1 have selected people's livelihood channel.Therefore, the application
Server 1 is that target trade company recommends people's livelihood channel to be paid according to the matching result drawn.
By above-mentioned steps S301-306, electric paying method proposed by the invention, first, sent out to each channel of disbursement
Send login request message；Secondly, the registration reply message that each channel of disbursement returns, the registration reply message bag are received
Include the attribute information of each channel of disbursement；Again, to the attribute information of each channel of disbursement with the mark of channel of disbursement
Know for unit progress classified finishing and form channel attribute list；Then, receive Client-initiated and pay request, and from the payment
User's payment information is parsed in request；Then, user's payment information is matched with the channel attribute list；Most
Afterwards, channel of disbursement corresponding with the attribute information of user's payment information matching in the channel attribute list is selected to be propped up
Pay.This way it is possible to avoid being simply presented to the list list of each channel of disbursement of user in the prior art, user can not be artificial
Quickly the drawbacks of optimal channel of disbursement is selected from many channel of disbursement, can provide the user it is a variety of different
While channel of disbursement, moreover it is possible to which an optimal branch is automatically planned or selected to the payment information selected according to user for user
Channel is paid, and then lifts Consumer's Experience.
Further, the first embodiment based on electric paying method of the present invention, proposes electric paying method of the present invention
Second embodiment.
As shown in figure 4, it is the flow chart of the second embodiment of electric paying method of the present invention.It is described to incite somebody to action in the present embodiment
The step of user's payment information is matched with the channel attribute list, specifically includes：
Step S401, judge in the payment transaction rank of user's selection, payment transaction type and the channel attribute list the
Whether the payment transaction rank, payment transaction type in one attribute information are identical.Payment transaction rank, payment when user's selection
When type of service is identical with the payment transaction rank in the first attribute information in the channel attribute list, payment transaction type, hold
Row step S402, otherwise, terminate flow.
Specifically, first attribute information includes：Payment transaction rank, payment transaction type, the single limit of channel,
The odd-numbered day limit of channel, the service time of channel.
Step S402, judges whether the payment of user's selection is less than the single of the channel in first attribute information
The odd-numbered day limit of limit and channel.When the payment of user's selection is less than the single limit of the channel in first attribute information
During the odd-numbered day limit of volume and channel, step S403 is performed, otherwise, terminates flow.First attribute information includes：Payment transaction
Rank, payment transaction type, the single limit of channel, the odd-numbered day limit of channel, the service time of channel.
Step S403, judge user selection time of payment whether the channel in first attribute information service when
In.When in the service time of channel of the time of payment of user's selection in first attribute information, step is performed
S404, otherwise, terminate flow.
Step S404, judge that first attribute information matches with user's payment information.Specifically, user's branch
Paying information includes：The payment transaction rank of user's selection, payment transaction type, payment, time of payment.
By above-mentioned steps S401-S404, electric paying method proposed by the invention, the disbursement letter of user can be passed through
Breath is matched with channel attribute list, to select optimal channel of disbursement.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone, computer, clothes
Be engaged in device, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of electric paying method, applied to application server, it is characterised in that methods described includes：
Login request message is sent to each channel of disbursement；
The registration reply message that each channel of disbursement returns is received, the registration reply message includes each payment canal
The attribute information in road；
Classified finishing is carried out in units of the mark of channel of disbursement to the attribute information of each channel of disbursement and forms channel
Attribute list；
Receive Client-initiated and pay request, and user's payment information is parsed from described pay in request；
User's payment information is matched with the channel attribute list；And
Channel of disbursement corresponding with the attribute information of user's payment information matching in the channel attribute list is selected to be propped up
Pay.
2. electric paying method as claimed in claim 1, it is characterised in that the attribute information includes the first attribute information,
First attribute information includes：Payment transaction rank, payment transaction type, the single limit of channel, the odd-numbered day limit of channel,
The service time of channel；User's payment information includes：The payment transaction rank of user's selection, payment transaction type, payment
The amount of money, time of payment.
3. electric paying method as claimed in claim 2, it is characterised in that described by user's payment information and the canal
The step of road attribute list is matched, specifically includes：
Judge in the payment transaction rank, payment transaction type and the channel attribute list of user's selection in the first attribute information
Whether payment transaction rank, payment transaction type are identical；
Payment transaction rank, payment transaction type when user's selection and the branch in the first attribute information in the channel attribute list
Pay business-level, payment transaction type it is identical when, then determine whether the payment of user's selection is less than described first
The single limit of channel in attribute information and the odd-numbered day limit of channel, and judge simultaneously user selection time of payment whether
In the service time of channel in first attribute information；And
It is less than the single limit of the channel in first attribute information and the odd-numbered day limit of channel when the payment of user's selection
Volume, meanwhile, when in the service time of channel of the time of payment in first attribute information of user's selection, then judge described in
First attribute information matches with user's payment information.
4. electric paying method as claimed in claim 2, it is characterised in that the attribute information, which also includes the second attribute, to be believed
Breath, second attribute information include：The stability of channel, the concurrency of channel, the payment success rate of channel, the shape of channel
State, channel to account timeliness and channel pay rate.
5. electric paying method as claimed in claim 4, it is characterised in that in the selection channel attribute list with it is described
The step of channel of disbursement corresponding to the attribute information of user's payment information matching is paid, specifically includes：
When the first attribute information in the attribute information for the channel that predetermined number in channel attribute list be present and user's disbursement letter
During breath matching, the second attribute information in the attribute information of the channel of the predetermined number determines and user's disbursement letter
Cease channel of disbursement corresponding to the attribute information of matching.
6. a kind of application server, it is characterised in that the application server includes memory, processor and is stored in described deposit
On reservoir and the e-payment program that can run on the processor, when the e-payment program is by the computing device
Realize following steps：
Login request message is sent to each channel of disbursement；
The registration reply message that each channel of disbursement returns is received, the registration reply message includes each payment canal
The attribute information in road；
Classified finishing is carried out in units of the mark of channel of disbursement to the attribute information of each channel of disbursement and forms channel
Attribute list；
Receive Client-initiated and pay request, and user's payment information is parsed from described pay in request；
User's payment information is matched with the channel attribute list；And
Channel of disbursement corresponding with the attribute information of user's payment information matching in the channel attribute list is selected to be propped up
Pay.
7. application server as claimed in claim 6, it is characterised in that the attribute information includes the first attribute information, institute
Stating the first attribute information includes：Payment transaction rank, payment transaction type, the single limit of channel, the odd-numbered day limit of channel, canal
The service time in road；User's payment information includes：The payment transaction rank of user's selection, payment transaction type, payment gold
Volume, time of payment.
8. application server as claimed in claim 7, it is characterised in that the attribute information also includes the second attribute information,
Second attribute information includes：The stability of channel, the concurrency of channel, the payment success rate of channel, the state of channel, canal
Road pays rate to account timeliness and channel.
9. application server as claimed in claim 7, it is characterised in that in the selection channel attribute list with the use
The step of channel of disbursement corresponding to the attribute information of family payment information matching is paid, specifically includes：
When the first attribute information in the attribute information for the channel that predetermined number in channel attribute list be present and user's disbursement letter
During breath matching, the second attribute information in the attribute information of the channel of the predetermined number determines and user's disbursement letter
Cease channel of disbursement corresponding to the attribute information of matching.
10. a kind of computer-readable recording medium, the computer-readable recording medium storage has e-payment program, the electricity
Sub- payment program can be by least one computing device, so as to appoint at least one computing device such as claim 1-5
The step of electric paying method described in one.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710875646.8A CN107871234A (en) | 2017-09-25 | 2017-09-25 | Electric paying method and application server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710875646.8A CN107871234A (en) | 2017-09-25 | 2017-09-25 | Electric paying method and application server |
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| CN107871234A true CN107871234A (en) | 2018-04-03 |
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|---|---|---|---|
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| CN108932614A (en) * | 2018-07-26 | 2018-12-04 | 中金支付有限公司 | A kind of payment channel method for routing and system |
| CN108985731A (en) * | 2018-07-13 | 2018-12-11 | 北京京东金融科技控股有限公司 | Pay method for routing and device |
| CN109191133A (en) * | 2018-08-22 | 2019-01-11 | 平安普惠企业管理有限公司 | The selection method and terminal device of channel of disbursement |
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| CN108985731A (en) * | 2018-07-13 | 2018-12-11 | 北京京东金融科技控股有限公司 | Pay method for routing and device |
| CN108932614A (en) * | 2018-07-26 | 2018-12-04 | 中金支付有限公司 | A kind of payment channel method for routing and system |
| CN108932614B (en) * | 2018-07-26 | 2020-12-25 | 中金支付有限公司 | Payment channel routing method and system |
| CN109359960A (en) * | 2018-08-01 | 2019-02-19 | 阿里巴巴集团控股有限公司 | The implementation method and device of e-payment |
| CN109191133A (en) * | 2018-08-22 | 2019-01-11 | 平安普惠企业管理有限公司 | The selection method and terminal device of channel of disbursement |
| CN109191133B (en) * | 2018-08-22 | 2023-04-28 | 平安普惠企业管理有限公司 | Payment channel selection method and terminal equipment |
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| CN109816248A (en) * | 2019-01-28 | 2019-05-28 | 恒生电子股份有限公司 | Business data processing method, apparatus and system |
| CN110060041A (en) * | 2019-03-13 | 2019-07-26 | 平安普惠企业管理有限公司 | Channel of disbursement cut-in method, system, computer equipment and readable storage medium storing program for executing |
| CN110111112A (en) * | 2019-04-25 | 2019-08-09 | 上海易点时空网络有限公司 | Data processing method and device |
| CN110348841A (en) * | 2019-06-27 | 2019-10-18 | 上海淇毓信息科技有限公司 | Payment transaction processing method, device, electronic equipment and computer |
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| CN110717756A (en) * | 2019-09-11 | 2020-01-21 | 口碑(上海)信息技术有限公司 | Payment data processing device and method based on contract |
| CN111222872A (en) * | 2020-01-08 | 2020-06-02 | 口碑(上海)信息技术有限公司 | User piece-entering method, device and system based on payment channel |
| CN111369238A (en) * | 2020-03-10 | 2020-07-03 | 澳克多普有限公司 | Payment channel selection method, system, payment equipment and storage medium |
| CN111899014A (en) * | 2020-08-03 | 2020-11-06 | 北京口袋财富信息科技有限公司 | Payment channel selection method and device, readable storage medium and computing equipment |
| CN112215589A (en) * | 2020-10-12 | 2021-01-12 | 中国民航信息网络股份有限公司 | Payment skip control method and device and electronic equipment |
| CN113159746A (en) * | 2021-05-13 | 2021-07-23 | 华世界数字科技(深圳)有限公司 | Method and device for distributing payment channel based on merchant attribute |
| CN113706138A (en) * | 2021-10-28 | 2021-11-26 | 深圳市深圳通有限公司 | Payment method, device, equipment and storage medium based on digital currency hard wallet |
| CN114581094A (en) * | 2022-03-05 | 2022-06-03 | 浙江保融科技股份有限公司 | Payment channel dynamic decision method, server and computer readable medium |
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