CN105205653A - Calculating method and device for payment route - Google Patents
Calculating method and device for payment route Download PDFInfo
- Publication number
- CN105205653A CN105205653A CN201510591165.5A CN201510591165A CN105205653A CN 105205653 A CN105205653 A CN 105205653A CN 201510591165 A CN201510591165 A CN 201510591165A CN 105205653 A CN105205653 A CN 105205653A
- Authority
- CN
- China
- Prior art keywords
- path
- payment path
- payment
- available payment
- available
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a calculating method and device for a payment route. The calculating method comprises the following steps that when the number of available payment routes is larger than 1, a handling charge, the time for funds to an account and the success rate of each available payment route are calculated according to a payment request of a user; a route strategy corresponding to an application channel is acquired, the payment route which is optimal in the rank is selected from the available payment routes according to the corresponding route strategy and the handling charge, the time for the funds to the account and the success rate of each available payment route to serve as the optimal payment route and cached. According to the calculating method for the payment route, the payment efficiency is higher, the success rate is higher, and meanwhile the requirements of the user can also be met.
Description
Technical field
The present invention relates to payment technology field, particularly relate to a kind of computing method and the device that pay path.
Background technology
In the existing modes of payments, user is when different company pays, company relies on user habit to show the history modes of payments to user, also custom is just relied on to select the history modes of payments when company pays, and do not know which modes of payments is higher concerning efficiency the user of company, timeliness is faster, simultaneously concerning company, pays rate minimum.Such as, user does shopping on Jingdone district, and can select Jingdone district payment, Alipay payment, the payment of micro-letter, e-Bank payment etc. different channel of disbursement during payment, will pay corresponding to giving these Third-party payment platforms in Jingdone district.Alipay may connect 100 banks, and micro-letter connects 50 banks, Jingdone district pays connection 5 banks, and the payment speed hypothesis Alipay of these three kinds of channel of disbursement is the fastest, and during micro-letter is secondary, corresponding Jingdone district company pays minimum to Alipay, and micro-letter expense is slightly more.If certain user selects to pay with micro-letter all the time, so in the existing modes of payments, Jingdone district company to user show be micro-letter pay, Jingdone district company pays to micro-letter platform, but no matter micro-letter payment is that efficiency is higher concerning the user of company, timeliness is faster, whether minimum pays rate to micro-letter of company.
Summary of the invention
Object of the present invention is intended at least solve one of above-mentioned technological deficiency, provides a kind of calculation element and the computing method that pay path.
The invention provides a kind of computing method paying path, described computing method comprise the following steps:
When receiving the payment request of user, obtain the account authentication information of this trading account;
Judge whether the quantity of described account authentication information is less than the first preset value;
If not, obtain the payment path of application channel support, and screen available payment path according to the screening conditions preset from the payment path of described application channel support;
Judge whether the quantity in described available payment path is greater than 1 or equal 1;
When the quantity in described available payment path equals 1, using described available payment path as the payment path of optimum and buffer memory;
When the quantity in described available payment path is greater than 1, according to the service charge in each available payment path of payment request calculating of user, to account time and success ratio;
Obtain and the corresponding path policy of application channel, and according to the service charge in the path policy of described correspondence and each available payment path, from available payment path, to select the available payment path of optimum as the payment path of optimum to account time and success ratio and buffer memory.
As can be seen from the scheme of said method, by screening payment path, calculate pay service charge that the expectation in path deals with, expect the account time, add up success ratio, again according to the path policy of application Channel Selection or manually assert strategy, an optimum payment path can be selected and obtain optimum payment path.This pays path to user, and the timeliness of payment is faster, has higher success rate.Concerning company, the required expense to the payment of the company of payment is lower, has the operation cost utilizing reduction company, also can meet the needs of user simultaneously.
The present invention also provides a kind of calculation element paying path, and described calculation element comprises:
First acquisition module, for when receiving the payment request of user, obtains the account authentication information of this trading account;
First judge module, for judging whether the quantity of account authentication information in described first acquisition module is less than the first preset value, exporting first and judging signal;
Second acquisition module, for judging signal according to described first, obtains the payment path of application channel support;
First screening module, for screening available payment path according to the screening conditions preset from the payment path of applying channel support described in described second acquisition module;
Second judge module, for judging whether the quantity in described available payment path is greater than 1 or equal 1, export second when the quantity in described available payment path equals 1 and judge signal, export the 3rd when the quantity in described available payment path is greater than 1 and judge signal;
First cache module, for judging signal according to described second, using described available payment path as the payment path of optimum and buffer memory;
Computing module, for according to the described 3rd judge signal and according to the payment request of user calculate each available payment path service charge, to account time and success ratio;
3rd acquisition module, for obtaining the path policy corresponding with applying channel;
Second screening module, for the service charge according to each available payment path in path policy corresponding in described 3rd acquisition module and described computing module, to select optimum available payment path as the payment path of optimum and buffer memory from available payment path to account time and success ratio.
As can be seen from the scheme of said apparatus, by screening payment path, calculate pay service charge that the expectation in path deals with, expect the account time, add up success ratio, again according to the path policy of application Channel Selection or manually assert strategy, an optimum payment path can be selected and obtain optimum payment path.This pays path to user, and the timeliness of payment is faster, has higher success rate.Concerning company, the required expense to the payment of the company of payment is lower, has the operation cost utilizing reduction company, also can meet the demand of user simultaneously.
Accompanying drawing explanation
Fig. 1 is the process flow diagram that the present invention pays the first embodiment of computing method in path;
Fig. 2 is the process flow diagram that the present invention pays computing method the second embodiment in path;
Fig. 3 is the process flow diagram that the present invention pays the third embodiment of computing method in path;
Fig. 4 is the process flow diagram that the present invention pays computing method the 4th kind of embodiment in path;
Fig. 5 is that the present invention pays in the computing method in path the service charge, the process flow diagram to account time and a kind of embodiment of success ratio that calculate each available payment path;
Fig. 6 is the process flow diagram that the present invention pays in the computing method in path a kind of embodiment of service charge calculating each available payment path;
Fig. 7 is the structured flowchart that the present invention pays a kind of embodiment of calculation element in path;
Fig. 8 is the structured flowchart that the present invention pays a kind of embodiment of the first screening module of the calculation element in path.
Embodiment
In order to make technical matters solved by the invention, technical scheme and beneficial effect clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
The invention provides a kind of computing method of payment path of embodiment, as shown in Figure 1, described computing method comprise the following steps:
Step S01, when receiving the payment request of user, obtains the account authentication information of this trading account.Wherein, account authentication information is the card authentication information of user, the card authentication of user to be divided on line authentication two kinds under authentication and line, on line, namely authentication is directly filled in relevant information by internet and is obtained authentication, under line, authentication and user handle to relevant place such as bank according to the proof of identification of oneself, as U shield etc., the authentication that user obtains card needs to insert U shield.
Step S02, judges whether the quantity of described account authentication information is less than the first preset value, if so, enters step S03, if not, enters step S04.In concrete enforcement, described first preset value is 0.
Step S03, pays unsuccessfully.
Step S04, obtains the payment path of application channel support.Wherein, apply channel and comprise securities broker company, insurance company, e-commerce platform etc.The payment path of application channel support can obtain from payment routing information buffer memory, comprises Key value and Value value.Key value comprises channel and action type (as withhold/pay out), and Value value is stored in inside chained list, comprises payment path number, channel, action type (as withhold/pay out), account authentication information, pays product and trading limit.
Step S05, the screening conditions according to presetting screen available payment path from the payment path of described application channel support.
Step S06, judge whether the quantity in described available payment path is greater than 1 or equal 1, when the quantity in described available payment path is less than 1, enter step S03, when the quantity in described available payment path equals 1, enter step S07, when the quantity in described available payment path is greater than 1, enter step S08.
Step S07, using described available payment path as the payment path of optimum and buffer memory.
Step S08, according to the service charge in each available payment path of payment request calculating of user, to account time and success ratio.
Step S09, obtain the path policy corresponding with application channel, and from available payment path, select optimum available payment path according to the service charge in the path policy of described correspondence and each available payment path, to account time and success ratio, enter step S07.
As can be seen from the scheme of said method, by screening payment path, calculate pay service charge that the expectation in path deals with, expect the account time, add up success ratio, again according to the path policy of application Channel Selection or manually assert strategy, an optimum payment path can be selected and obtain optimum payment path.This pays path to user, and the timeliness of payment is faster, has higher success rate.Concerning company, the required expense to the payment of the company of payment is lower, has the operation cost utilizing reduction company, also can meet the needs of user simultaneously.
In concrete enforcement, the path policy of application channel comprises following four kinds: timeliness preference strategy, cost priority strategy, success ratio preference strategy and manually assert strategy.Wherein, described timeliness preference strategy is specially: select to pay timeliness the shortest in prerequisite, payment cost is minimum, and the modes of payments that success ratio is the highest.If the path policy of channel is timeliness preference strategy, then by expecting account shortest time, estimate that the service charge dealt with is with minimum, the payment path of the highest screening of sorting of success ratio.Described cost priority strategy is specially: select using payment cost minimum as prerequisite, pays timeliness the shortest, and the modes of payments that success ratio is the highest.If the path policy of channel is cost priority strategy, then by estimating that the service charge dealt with is with minimum, expects account shortest time, the payment path of the highest screening of sorting of success ratio.Described success ratio preference strategy is specially: when the modes of payments that success ratio is the highest pays unsuccessfully, and the modes of payments automatically switching to secondary success ratio pays, until pay successfully.If all modes of payments are all failed, then return failure.Described artificial identification strategy is specially: select the artificial modes of payments assert.Such as, the multiple available payment path filtered out comprises A1, A2, A3 and A4.Sort according to timeliness preference strategy, cost priority strategy, success ratio preference strategy in described multiple available payment path, when sorting according to timeliness preference strategy, sorting primary is A1, so pays path A 1 and save as payment path; When on cost preference strategy sorts, sorting primary is A3, so pays path A 3 and saves as payment path; When sorting according to success ratio preference strategy, sorting primary is A4, so pays path A 4 and saves as payment path; When artificial identification strategy, such as user selects to pay path A 2, and so payment path A 1 saves as and pays path.
In concrete enforcement, as shown in Figure 2, described default screening conditions comprise account authentication information, pay scene, payment and transactional services window, and that is, step S05 is specially:
Step S051, after screening, obtains available payment path successively according to account authentication information, payment scene, payment and transactional services window from the payment path of described application channel support.Wherein, pay scene to comprise and supplement with money and withdraw deposit.Account authentication information is the card authentication information of user.Qualified payment path have passed card authentication information, and satisfied payment scene, trading limit are greater than dealing money, meet the payment path of transactional services window considerations.
In concrete enforcement, as shown in Figure 3, described default screening conditions comprise account authentication information and payment.Step S05 is specially:
Step S052, after screening, obtains available payment path successively according to account authentication information and payment from the payment path of described application channel support.
In concrete enforcement, as shown in Figure 4, described default screening conditions are also comprise account authentication information and payment.Step S05 specifically comprises:
Step S0501, screens available payment path according to described account authentication information from the payment path of described application channel support;
Step S0502, judge whether the quantity in described available payment path is greater than 1 or equal 1, when the quantity in described available payment path is less than 1, enter step S03, when the quantity in described available payment path equals 1, enter step S07, when the quantity in described available payment path is greater than 1, enter step S0503;
Step S0503, screens available payment path according to payment from the payment path of described application channel support, then enters step S06.
In concrete enforcement, step S05 also can specifically comprise the following steps:
Available payment path is screened from the payment path of described application channel support according to described payment;
Judge whether the quantity in described available payment path is greater than 1 or equal 1;
When the quantity in described available payment path equals 1, using described available payment path as the payment path of optimum and buffer memory;
When the quantity in described available payment path is greater than 1, screens available payment path according to described account authentication information from the payment path of described application channel support, then enter step S06.
In concrete enforcement, as shown in Figure 5, described step S08 is specially:
Step S081, obtains the pay imformation in each available payment path.The pay imformation paying path can obtain from the pay imformation buffer memory of payment path, comprises Key1 value and Value1 value.Key1 value comprises payment path number and transactional cards bank number, Value1 value is stored in inside chained list, comprises and pays path number, transactional cards bank number, charging mode, single expense rate, the single expense upper limit, single fixed expense, stage charge limit lower limit, the stage charge limit upper limit.Wherein, charging mode has two kinds, and the first charging mode is fixed fee, and the second charging mode is ratio charge.
Step S082, according to described pay imformation, calculates the service charge that each available payment path is corresponding.That is, calculate this transaction according to dealing money, charging mode, the single expense upper limit, single fixed expense, stage charge limit lower limit, the stage charge limit upper limit etc. and estimate that the service charge of generation is used.
Step S083, obtains the age information in each available payment path.The age information paying path obtains from the age information buffer memory paying path, comprises Key2 value and Value2 value.Key2 value comprises payment path number and transactional cards bank number, and Value2 value is stored in inside chained list, comprises and pays path number, transactional cards bank number and timeliness expression formula.
Step S084, according to described age information, what calculate each available payment path arrives the account time.That is, calculate this transaction according to timeliness expression formula and expect the account time.
Step S085, obtains the success ratio in each available payment path.
In concrete enforcement, as shown in Figure 6, described step S082 is specially:
Step S0821, judge that the charge method in described pay imformation is the first charging mode or the second charging mode, when the charge method in described pay imformation is the first charging mode, enter step S0822, when the charge method in described pay imformation is the second charging mode, enter step S0823.Wherein the first charging mode is fixed fee, and the second charging mode is ratio charge.
Step S0822, the service charge of described correspondence is the fixed expense that single pays.
Step S0823, obtains the scale of charges from described pay imformation, and calculates the service charge of single payment according to the described scale of charges and payment, enters step S0824.
Step S0824, whether the service charge that the single calculated described in judgement pays exceedes the expense upper limit that single pays, and if so, enters step S0825, if not, enters step S0826.
Step S0825, the service charge of described correspondence is the expense upper limit that single pays.
Step S0826, the service charge of described correspondence is the service charge that the single calculated pays.
In concrete enforcement, the present invention also provides a kind of calculation element of payment path of embodiment, and as shown in Figure 7, described calculation element comprises:
First acquisition module 10, for when receiving the payment request of user, obtains the account authentication information of this trading account; Wherein, account authentication information is the card authentication information of user, the card authentication of user to be divided on line authentication two kinds under authentication and line, on line, namely authentication is directly filled in relevant information by internet and is obtained authentication, under line, authentication and user handle to relevant place such as bank according to the proof of identification of oneself, as U shield etc., the authentication that user obtains card needs to insert U shield;
First judge module 20, for judging whether the quantity of account authentication information in described first acquisition module 10 is less than the first preset value, time if not, exporting first and judging signal; In concrete enforcement, described first preset value is 0;
Second acquisition module 30, for judging signal according to first of described first judge module 20, obtains the payment path of application channel support; Wherein, apply channel and comprise securities broker company, insurance company, e-commerce platform etc.The payment path of application channel support can obtain from payment routing information buffer memory, comprises Key value and Value value.Key value comprises channel and action type (as withhold/pay out), and Value value is stored in inside chained list, comprises payment path number, channel, action type (as withhold/pay out), account authentication information, pays product and trading limit;
First screening module 40, for screening available payment path according to the screening conditions preset from the payment path of applying channel support described in described second acquisition module 30;
Second judge module 50, for judging whether the quantity in available payment path in described first screening module 40 is greater than 1 or equal 1, export second when the quantity in described available payment path equals 1 and judge signal, export the 3rd when the quantity in described available payment path is greater than 1 and judge signal;
First cache module 60, for judging signal according to second of described second judge module 50, using described available payment path as the payment path of optimum and buffer memory;
Computing module 70, for according to the described 3rd judge signal and according to the payment request of user calculate each available payment path service charge, to account time and success ratio;
3rd acquisition module 80, for obtaining the path policy corresponding with applying channel;
Second screening module 90, for the service charge according to each available payment path in path policy corresponding in described 3rd acquisition module 80 and described computing module 70, to account time and success ratio the available payment path of selected and sorted optimum from available payment path;
First cache module 60 also for using optimum available payment path of sorting in the second screening module 90 as the payment path of optimum and buffer memory.
Wherein, first judge module 30 is also for when in described first acquisition module, the quantity of account authentication information is less than the first preset value, export the 6th and judge signal, export the 7th second judge module 50 is also for being less than 1 during when the quantity in described available payment path and judge signal, described calculation element also comprise when the receive the first judge module 30 the 6th judge the 7th of signal and the second judge module 50 the judge signal time output payment failure result end module 100.
As can be seen from the scheme of said apparatus, by screening payment path, calculate pay service charge that the expectation in path deals with, expect the account time, add up success ratio, again according to the path policy of application Channel Selection or manually assert strategy, an optimum payment path can be selected and obtain optimum payment path.This pays path to user, and the timeliness of payment is faster, has higher success rate.Concerning company, the required expense to the payment of the company of payment is lower, has the operation cost utilizing reduction company, also can meet the needs of user simultaneously.
In concrete enforcement, the path policy of application channel comprises following four kinds: timeliness preference strategy, cost priority strategy, success ratio preference strategy and manually assert strategy.Wherein, described timeliness preference strategy is specially: select to pay timeliness the shortest in prerequisite, payment cost is minimum, and the modes of payments that success ratio is the highest.If the path policy of channel is timeliness preference strategy, then by expecting account shortest time, estimate that the service charge dealt with is with minimum, the payment path of the highest screening of sorting of success ratio.Described cost priority strategy is specially: select using payment cost minimum as prerequisite, pays timeliness the shortest, and the modes of payments that success ratio is the highest.If the path policy of channel is cost priority strategy, then by estimating that the service charge dealt with is with minimum, expects account shortest time, the payment path of the highest screening of sorting of success ratio.Described success ratio preference strategy is specially: when the modes of payments that success ratio is the highest pays unsuccessfully, and the modes of payments automatically switching to secondary success ratio pays, until pay successfully.If all modes of payments are all failed, then return failure.Described artificial identification strategy is specially: select the artificial modes of payments assert.Such as, the multiple available payment path filtered out comprises A1, A2, A3 and A4.Sort according to timeliness preference strategy, cost priority strategy, success ratio preference strategy in described multiple available payment path, when sorting according to timeliness preference strategy, sorting primary is A1, so pays path A 1 and save as payment path; When on cost preference strategy sorts, sorting primary is A3, so pays path A 3 and saves as payment path; When sorting according to success ratio preference strategy, sorting primary is A4, so pays path A 4 and saves as payment path; When artificial identification strategy, such as user selects to pay path A 2, and so payment path A 1 saves as and pays path.
In concrete enforcement, described default screening conditions comprise account authentication information, pay scene, payment and transactional services window, described first screening module 40 also for after screening, obtaining available payment path successively according to account authentication information, payment scene, payment and transactional services window from the payment path of described application channel support.Wherein, pay scene to comprise and supplement with money and withdraw deposit.Account authentication information is the card authentication information of user.Qualified payment path have passed card authentication information, and satisfied payment scene, trading limit are greater than dealing money, meet the payment path of transactional services window considerations.
In concrete enforcement, described default screening conditions comprise account authentication information and payment, described first screening module 40 also for after screening, obtaining available payment path successively according to account authentication information and payment from the payment path of described application channel support.
In concrete enforcement, as shown in Figure 8, described default screening conditions are also comprise account authentication information and payment.Described first screening module 40 specifically comprises:
First screening unit 401, for screening available payment path according to described account authentication information from the payment path of applying channel support described in described second acquisition module;
First judging unit 402, for judging whether the quantity in described available payment path is greater than 1 or equal 1, export the 4th when the quantity in described available payment path equals 1 and judge signal, export the 5th when the quantity in described available payment path is greater than 1 and judge signal;
According to the described 5th, second screening unit 403, for judging that signal and payment screen available payment path from the payment path of described application channel support; Or
First screening unit 401, for screening available payment path according to described payment from the payment path of described application channel support;
First judging unit 402, for judging whether the quantity in described available payment path is greater than 1 or equal 1, export the 4th when the quantity in described available payment path equals 1 and judge signal, export the 5th when the quantity in described available payment path is greater than 1 and judge signal;
According to the described 5th, second screening unit 403, for judging that signal and described account authentication information screen available payment path from the payment path of described application channel support;
First cache module 60 also for judging signal according to the described 4th, using described available payment path as the payment path of optimum and buffer memory.
In concrete enforcement, when calculating payment path, needing the service charge calculating counterpart expenditure path, expecting account time and success ratio, so that select more suitable payment path to carry out payment transaction.Described second screening module 90 also for:
Obtain the pay imformation in each available payment path; The pay imformation in described payment path can obtain from the pay imformation buffer memory of payment path, comprises Key1 value and Value1 value.Key1 value comprises payment path number and transactional cards bank number, Value1 value is stored in inside chained list, comprises and pays path number, transactional cards bank number, charging mode, single expense rate, the single expense upper limit, single fixed expense, stage charge limit lower limit, the stage charge limit upper limit.Wherein, charging mode has two kinds, and the first charging mode is fixed fee, and the second charging mode is ratio charge;
According to described pay imformation, calculate the service charge that each available payment path is corresponding; That is, calculate this transaction according to dealing money, charging mode, the single expense upper limit, single fixed expense, stage charge limit lower limit, the stage charge limit upper limit etc. and estimate that the service charge of generation is used;
Obtain the age information in each available payment path; The age information in described payment path obtains from the age information buffer memory paying path, comprises Key2 value and Value2 value.Key2 value comprises payment path number and transactional cards bank number, and Value2 value is stored in inside chained list, comprises and pays path number, transactional cards bank number and timeliness expression formula;
According to described age information, what calculate each available payment path arrives the account time; That is, calculate this transaction according to timeliness expression formula and expect the account time;
Obtain the success ratio in each available payment path.
In concrete enforcement, in order to determine the expectation transaction procedure expense in this payment path further, described second screening module 90 also for:
Judge that the charge method in described pay imformation is the first charging mode or the second charging mode;
When the charge method in described pay imformation is the first charging mode, the service charge of described correspondence is the fixed expense that single pays;
When the charge method in described pay imformation is the second charging mode, from described pay imformation, obtain the scale of charges and the service charge paid according to the described scale of charges and payment calculating single;
Whether the service charge that the single calculated described in judgement pays exceedes the expense upper limit that single pays, and if so, the service charge of described correspondence is the expense upper limit that single pays, and if not, the service charge of described correspondence is the service charge that the single calculated pays.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any amendments done within the spirit and principles in the present invention, equivalent replacement and improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. pay the computing method in path, it is characterized in that: described computing method comprise the following steps:
When receiving the payment request of user, obtain the account authentication information of this trading account;
Judge whether the quantity of described account authentication information is less than the first preset value;
If not, obtain the payment path of application channel support, and screen available payment path according to the screening conditions preset from the payment path of described application channel support;
Judge whether the quantity in described available payment path is greater than 1 or equal 1;
When the quantity in described available payment path equals 1, using described available payment path as the payment path of optimum and buffer memory;
When the quantity in described available payment path is greater than 1, according to the service charge in each available payment path of payment request calculating of user, to account time and success ratio;
Obtain and the corresponding path policy of application channel, and according to the service charge in the path policy of described correspondence and each available payment path, from available payment path, to select the available payment path of optimum as the payment path of optimum to account time and success ratio and buffer memory.
2. computing method as claimed in claim 1, is characterized in that: described path policy comprises timeliness preference strategy, cost priority strategy, success ratio preference strategy and manually assert strategy.
3. computing method as claimed in claim 1, it is characterized in that: described default screening conditions comprise account authentication information and payment, the step that the screening conditions that described basis is preset screen available payment path from the payment path of described application channel support is specially:
Available payment path is screened from the payment path of described application channel support according to described account authentication information;
Judge whether the quantity in described available payment path is greater than 1 or equal 1;
When the quantity in described available payment path equals 1, using described available payment path as the payment path of optimum and buffer memory;
When the quantity in described available payment path is greater than 1, screen available payment path according to payment from the payment path of described application channel support; Or
Available payment path is screened from the payment path of described application channel support according to described payment;
Judge whether the quantity in described available payment path is greater than 1 or equal 1;
When the quantity in described available payment path equals 1, using described available payment path as the payment path of optimum and buffer memory;
When the quantity in described available payment path is greater than 1, screen available payment path according to described account authentication information from the payment path of described application channel support.
4. the computing method as described in claim 1-3 any one, is characterized in that: the described payment request according to user calculate each available payment path service charge, be specially to the step of account time and success ratio:
Obtain the pay imformation in each available payment path;
According to described pay imformation, calculate the service charge that each available payment path is corresponding;
Obtain the age information in each available payment path;
According to described age information, what calculate each available payment path arrives the account time;
Obtain the success ratio in each available payment path.
5. computing method as claimed in claim 4, it is characterized in that: described according to described pay imformation, the step calculating the service charge in each available payment path is specially:
Judge that the charge method in described pay imformation is the first charging mode or the second charging mode;
When the charge method in described pay imformation is the first charging mode, the service charge of described correspondence is the fixed expense that single pays;
When the charge method in described pay imformation is the second charging mode, from described pay imformation, obtain the scale of charges and the service charge paid according to the described scale of charges and payment calculating single;
Whether the service charge that the single calculated described in judgement pays exceedes the expense upper limit that single pays, and if so, the service charge of described correspondence is the expense upper limit that single pays, and if not, the service charge of described correspondence is the service charge that the single calculated pays.
6. pay the calculation element in path, it is characterized in that: described calculation element comprises:
First acquisition module, for when receiving the payment request of user, obtains the account authentication information of this trading account;
First judge module, for judging whether the quantity of account authentication information in described first acquisition module is less than the first preset value, time if not, exporting first and judging signal;
Second acquisition module, for judging signal according to described first, obtains the payment path of application channel support;
First screening module, for screening available payment path according to the screening conditions preset from the payment path of applying channel support described in described second acquisition module;
Second judge module, for judging whether the quantity in described available payment path is greater than 1 or equal 1, export second when the quantity in described available payment path equals 1 and judge signal, export the 3rd when the quantity in described available payment path is greater than 1 and judge signal;
First cache module, for judging signal according to described second, using described available payment path as the payment path of optimum and buffer memory;
Computing module, for according to the described 3rd judge signal and according to the payment request of user calculate each available payment path service charge, to account time and success ratio;
3rd acquisition module, for obtaining the path policy corresponding with applying channel;
Second screening module, for the service charge according to each available payment path in path policy corresponding in described 3rd acquisition module and described computing module, the available payment path selecting optimum to account time and success ratio from available payment path;
First cache module also for using available payment path optimum in the second screening module as the payment path of optimum and buffer memory.
7. computing method as claimed in claim 6, is characterized in that: described path policy comprises timeliness preference strategy, cost priority strategy, success ratio preference strategy and manually assert strategy.
8. calculation element as claimed in claim 6, is characterized in that: described default screening conditions comprise account authentication information and payment, it is characterized in that: described first screening module specifically comprises:
First screening unit, for screening available payment path according to described account authentication information from the payment path of applying channel support described in described second acquisition module;
First judging unit, for judging whether the quantity in described available payment path is greater than 1 or equal 1, export the 4th when the quantity in described available payment path equals 1 and judge signal, export the 5th when the quantity in described available payment path is greater than 1 and judge signal;
According to the described 5th, second screening unit, for judging that signal and payment screen available payment path from the payment path of described application channel support; Or
First screening unit, for screening available payment path according to described payment from the payment path of described application channel support;
First judging unit, for judging whether the quantity in described available payment path is greater than 1 or equal 1, export the 4th when the quantity in described available payment path equals 1 and judge signal, export the 5th when the quantity in described available payment path is greater than 1 and judge signal;
According to the described 5th, second screening unit, for judging that signal and described account authentication information screen available payment path from the payment path of described application channel support;
First cache module also for judging signal according to the described 4th, using described available payment path as the payment path of optimum and buffer memory.
9. the calculation element as described in claim 6-8 any one, is characterized in that: described second screening module also for:
Obtain the pay imformation in each available payment path;
According to described pay imformation, calculate the service charge that each available payment path is corresponding;
Obtain the age information in each available payment path;
According to described age information, what calculate each available payment path arrives the account time;
Obtain the success ratio in each available payment path.
10. calculation element as claimed in claim 9, is characterized in that: described second screening module also for:
Judge that the charge method in described pay imformation is the first charging mode or the second charging mode;
When the charge method in described pay imformation is the first charging mode, the service charge of described correspondence is the fixed expense that single pays;
When the charge method in described pay imformation is the second charging mode, from described pay imformation, obtain the scale of charges and the service charge paid according to the described scale of charges and payment calculating single;
Whether the service charge that the single calculated described in judgement pays exceedes the expense upper limit that single pays, and if so, the service charge of described correspondence is the expense upper limit that single pays, and if not, the service charge of described correspondence is the service charge that the single calculated pays.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510591165.5A CN105205653A (en) | 2015-09-16 | 2015-09-16 | Calculating method and device for payment route |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510591165.5A CN105205653A (en) | 2015-09-16 | 2015-09-16 | Calculating method and device for payment route |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105205653A true CN105205653A (en) | 2015-12-30 |
Family
ID=54953320
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510591165.5A Pending CN105205653A (en) | 2015-09-16 | 2015-09-16 | Calculating method and device for payment route |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105205653A (en) |
Cited By (29)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106067110A (en) * | 2016-02-04 | 2016-11-02 | 安投融（北京）网络科技有限公司 | Improve quick payment and call Third-party payment success rate the method saving the fee |
| CN106127460A (en) * | 2016-06-15 | 2016-11-16 | 携程计算机技术（上海）有限公司 | Pay route system and method |
| CN106228359A (en) * | 2016-08-12 | 2016-12-14 | 北京东方车云信息技术有限公司 | The billing settlement method of driver's client, taxi take system server and related system |
| CN106383638A (en) * | 2016-08-26 | 2017-02-08 | 维沃移动通信有限公司 | Paying way displaying method and mobile terminal |
| CN106845988A (en) * | 2017-01-23 | 2017-06-13 | 杭州恒生云融网络科技有限公司 | method and device for selecting payment channel |
| CN106899519A (en) * | 2016-08-26 | 2017-06-27 | 阿里巴巴集团控股有限公司 | Channel of disbursement flow collocation method and device |
| CN107274163A (en) * | 2017-06-15 | 2017-10-20 | 北京奇艺世纪科技有限公司 | The route selection method and device of a kind of bill payment |
| CN107464108A (en) * | 2016-06-03 | 2017-12-12 | 上海点融信息科技有限责任公司 | The method and apparatus for automatically selecting channel of disbursement |
| CN107516345A (en) * | 2016-06-15 | 2017-12-26 | 西安艾润物联网技术服务有限责任公司 | Parking fee collective system method and apparatus |
| CN107665440A (en) * | 2016-07-28 | 2018-02-06 | 腾讯科技（深圳）有限公司 | Credit accounts system of selection and device |
| CN107705118A (en) * | 2017-09-19 | 2018-02-16 | 深圳金融电子结算中心有限公司 | Transaction payment method, system, server and storage medium based on channel route |
| CN107818428A (en) * | 2017-11-28 | 2018-03-20 | 杭州龙盈互联网金融信息技术有限公司 | The decision-making technique and device of business channel |
| CN107871234A (en) * | 2017-09-25 | 2018-04-03 | 上海壹账通金融科技有限公司 | Electric paying method and application server |
| CN108009805A (en) * | 2017-10-24 | 2018-05-08 | 广东康美通信息服务有限公司 | A kind of payment processing method, storage medium, device and payment route system |
| CN108022087A (en) * | 2017-11-22 | 2018-05-11 | 深圳市牛鼎丰科技有限公司 | payment data processing method, device, storage medium and computer equipment |
| CN108876349A (en) * | 2018-08-16 | 2018-11-23 | 平安科技（深圳）有限公司 | Electronic device, payment channel determine method and storage medium |
| CN108932667A (en) * | 2018-07-12 | 2018-12-04 | 北京京东金融科技控股有限公司 | The method and apparatus for determining opportunity of paying |
| CN109523245A (en) * | 2018-10-16 | 2019-03-26 | 深圳壹账通智能科技有限公司 | It transfers accounts path recommended method and terminal device |
| CN109658079A (en) * | 2018-09-27 | 2019-04-19 | 深圳壹账通智能科技有限公司 | Multichannel transfer account method, device, equipment and readable storage medium storing program for executing |
| CN110097350A (en) * | 2019-04-19 | 2019-08-06 | 上海瀚银信息技术有限公司 | A kind of transaction data mediating transmission system |
| CN111091358A (en) * | 2019-12-16 | 2020-05-01 | 中国建设银行股份有限公司 | Unified processing method and system for multiple payment channels |
| CN111179060A (en) * | 2019-12-30 | 2020-05-19 | 中国银行股份有限公司 | Transaction path selection method and device in transfer processing process |
| CN111210215A (en) * | 2020-01-13 | 2020-05-29 | 中国银行股份有限公司 | Bank payment path selection processing method and device and electronic equipment |
| CN111311221A (en) * | 2020-02-14 | 2020-06-19 | 武汉大学 | Payment management method for block chain payment channel network |
| CN112258173A (en) * | 2020-10-22 | 2021-01-22 | 广州市汇聚支付电子科技有限公司 | Intelligent payment routing method and system |
| CN112487772A (en) * | 2020-11-16 | 2021-03-12 | 中信银行股份有限公司 | Account arrival time table generation method, account arrival time table generation equipment, storage medium and device |
| CN113435871A (en) * | 2021-06-29 | 2021-09-24 | 未鲲(上海)科技服务有限公司 | Payment channel abnormity checking method and device, computing equipment and storage medium |
| CN114691272A (en) * | 2022-03-31 | 2022-07-01 | 拉扎斯网络科技（上海）有限公司 | Page display method and device, storage medium and computer equipment |
| CN115545696A (en) * | 2022-04-15 | 2022-12-30 | 荣耀终端有限公司 | Payment method, server and mobile terminal |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6907408B2 (en) * | 2002-06-04 | 2005-06-14 | Albert J. Angel | Hierarchical authentication process and system for financial transactions |
| US20100125514A1 (en) * | 2008-11-14 | 2010-05-20 | Bank Of America Corporation | Least Cost Routing of Fund Transfer Transactions |
| CN101826186A (en) * | 2009-02-13 | 2010-09-08 | 美国银行公司 | Managing payment is handled in the aggregate payment concentrator system system, method and program |
| CN101847235A (en) * | 2009-02-13 | 2010-09-29 | 美国银行公司 | Be used to optimize system, method and the computer product of financial payment approach |
-
2015
- 2015-09-16 CN CN201510591165.5A patent/CN105205653A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6907408B2 (en) * | 2002-06-04 | 2005-06-14 | Albert J. Angel | Hierarchical authentication process and system for financial transactions |
| US20100125514A1 (en) * | 2008-11-14 | 2010-05-20 | Bank Of America Corporation | Least Cost Routing of Fund Transfer Transactions |
| CN101826186A (en) * | 2009-02-13 | 2010-09-08 | 美国银行公司 | Managing payment is handled in the aggregate payment concentrator system system, method and program |
| CN101847235A (en) * | 2009-02-13 | 2010-09-29 | 美国银行公司 | Be used to optimize system, method and the computer product of financial payment approach |
Cited By (36)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106067110A (en) * | 2016-02-04 | 2016-11-02 | 安投融（北京）网络科技有限公司 | Improve quick payment and call Third-party payment success rate the method saving the fee |
| CN107464108A (en) * | 2016-06-03 | 2017-12-12 | 上海点融信息科技有限责任公司 | The method and apparatus for automatically selecting channel of disbursement |
| CN106127460A (en) * | 2016-06-15 | 2016-11-16 | 携程计算机技术（上海）有限公司 | Pay route system and method |
| CN107516345A (en) * | 2016-06-15 | 2017-12-26 | 西安艾润物联网技术服务有限责任公司 | Parking fee collective system method and apparatus |
| CN107665440A (en) * | 2016-07-28 | 2018-02-06 | 腾讯科技（深圳）有限公司 | Credit accounts system of selection and device |
| CN106228359A (en) * | 2016-08-12 | 2016-12-14 | 北京东方车云信息技术有限公司 | The billing settlement method of driver's client, taxi take system server and related system |
| CN106383638B (en) * | 2016-08-26 | 2021-09-03 | 维沃移动通信有限公司 | Payment mode display method and mobile terminal |
| CN106899519A (en) * | 2016-08-26 | 2017-06-27 | 阿里巴巴集团控股有限公司 | Channel of disbursement flow collocation method and device |
| CN106383638A (en) * | 2016-08-26 | 2017-02-08 | 维沃移动通信有限公司 | Paying way displaying method and mobile terminal |
| CN106899519B (en) * | 2016-08-26 | 2020-07-10 | 阿里巴巴集团控股有限公司 | Payment channel flow configuration method and device |
| CN106845988A (en) * | 2017-01-23 | 2017-06-13 | 杭州恒生云融网络科技有限公司 | method and device for selecting payment channel |
| CN107274163A (en) * | 2017-06-15 | 2017-10-20 | 北京奇艺世纪科技有限公司 | The route selection method and device of a kind of bill payment |
| CN107705118A (en) * | 2017-09-19 | 2018-02-16 | 深圳金融电子结算中心有限公司 | Transaction payment method, system, server and storage medium based on channel route |
| CN107871234A (en) * | 2017-09-25 | 2018-04-03 | 上海壹账通金融科技有限公司 | Electric paying method and application server |
| CN108009805A (en) * | 2017-10-24 | 2018-05-08 | 广东康美通信息服务有限公司 | A kind of payment processing method, storage medium, device and payment route system |
| CN108022087A (en) * | 2017-11-22 | 2018-05-11 | 深圳市牛鼎丰科技有限公司 | payment data processing method, device, storage medium and computer equipment |
| CN107818428A (en) * | 2017-11-28 | 2018-03-20 | 杭州龙盈互联网金融信息技术有限公司 | The decision-making technique and device of business channel |
| CN108932667A (en) * | 2018-07-12 | 2018-12-04 | 北京京东金融科技控股有限公司 | The method and apparatus for determining opportunity of paying |
| CN108876349A (en) * | 2018-08-16 | 2018-11-23 | 平安科技（深圳）有限公司 | Electronic device, payment channel determine method and storage medium |
| CN108876349B (en) * | 2018-08-16 | 2023-04-07 | 平安科技（深圳）有限公司 | Electronic device, payment channel determination method, and storage medium |
| CN109658079A (en) * | 2018-09-27 | 2019-04-19 | 深圳壹账通智能科技有限公司 | Multichannel transfer account method, device, equipment and readable storage medium storing program for executing |
| CN109523245A (en) * | 2018-10-16 | 2019-03-26 | 深圳壹账通智能科技有限公司 | It transfers accounts path recommended method and terminal device |
| CN110097350A (en) * | 2019-04-19 | 2019-08-06 | 上海瀚银信息技术有限公司 | A kind of transaction data mediating transmission system |
| CN111091358A (en) * | 2019-12-16 | 2020-05-01 | 中国建设银行股份有限公司 | Unified processing method and system for multiple payment channels |
| CN111091358B (en) * | 2019-12-16 | 2024-04-16 | 中国建设银行股份有限公司 | Unified processing method and system for multiple payment channels |
| CN111179060A (en) * | 2019-12-30 | 2020-05-19 | 中国银行股份有限公司 | Transaction path selection method and device in transfer processing process |
| CN111210215A (en) * | 2020-01-13 | 2020-05-29 | 中国银行股份有限公司 | Bank payment path selection processing method and device and electronic equipment |
| CN111210215B (en) * | 2020-01-13 | 2024-04-26 | 中国银行股份有限公司 | Bank payment path selection processing method and device and electronic equipment |
| CN111311221A (en) * | 2020-02-14 | 2020-06-19 | 武汉大学 | Payment management method for block chain payment channel network |
| CN111311221B (en) * | 2020-02-14 | 2023-08-22 | 武汉大学 | Payment management method for blockchain payment channel network |
| CN112258173A (en) * | 2020-10-22 | 2021-01-22 | 广州市汇聚支付电子科技有限公司 | Intelligent payment routing method and system |
| CN112487772A (en) * | 2020-11-16 | 2021-03-12 | 中信银行股份有限公司 | Account arrival time table generation method, account arrival time table generation equipment, storage medium and device |
| CN113435871A (en) * | 2021-06-29 | 2021-09-24 | 未鲲(上海)科技服务有限公司 | Payment channel abnormity checking method and device, computing equipment and storage medium |
| CN114691272A (en) * | 2022-03-31 | 2022-07-01 | 拉扎斯网络科技（上海）有限公司 | Page display method and device, storage medium and computer equipment |
| CN115545696A (en) * | 2022-04-15 | 2022-12-30 | 荣耀终端有限公司 | Payment method, server and mobile terminal |
| CN115545696B (en) * | 2022-04-15 | 2023-08-29 | 荣耀终端有限公司 | Payment method, server and mobile terminal |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105205653A (en) | Calculating method and device for payment route | |
| AU2011242826B2 (en) | Method and system for determining fees and foreign exchange rates for a value transfer transaction | |
| CN109146440B (en) | Transaction settlement method, device, server and storage medium | |
| US8086524B1 (en) | Systems and methods for transaction processing and balance transfer processing | |
| US7783571B2 (en) | ATM system for receiving cash deposits from non-networked clients | |
| CN106127480A (en) | transaction payment method and system | |
| CN105741088A (en) | Routing matching payment method and device | |
| WO2010106395A1 (en) | A policy-based payment transaction routing service for credit card payment processing | |
| CN110264214B (en) | Transaction bill generation and verification method, device and equipment | |
| JP2005518596A5 (en) | ||
| US20150019393A1 (en) | Information processing apparatus and method, and non-transitory computer readable medium | |
| KR101500849B1 (en) | Card payment method and server performing the same | |
| CN106781043A (en) | The electricity-selling system and method for electric automobile | |
| CN109615392A (en) | Payment channel determines method and device | |
| CN102387486A (en) | Method and device for charging general packet radio service (GPRS) partition bill | |
| CN111861717A (en) | Contract account management method, device, equipment and storage medium | |
| CN109800063A (en) | Business method for parallel processing, device, server, storage medium | |
| CN106651368A (en) | Order-scalping-preventing payment mode control method and control system | |
| CN114065985A (en) | Method for reducing bad accounts of enterprise | |
| CN101540032A (en) | Payment system and method of third-party payment platform based on HVPS system | |
| KR20180023603A (en) | System for loan intermediation and intermediation server therefor | |
| CN106557921A (en) | On-line payment method and device | |
| CN111028075B (en) | Virtual resource transfer method, device and equipment | |
| CN101377864B (en) | System and method for processing various types data by bank cards | |
| CN112651733A (en) | Channel route selection method, device, equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20151230 |