CN106899519B - Payment channel flow configuration method and device - Google Patents
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- CN106899519B CN106899519B CN201610742250.1A CN201610742250A CN106899519B CN 106899519 B CN106899519 B CN 106899519B CN 201610742250 A CN201610742250 A CN 201610742250A CN 106899519 B CN106899519 B CN 106899519B
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- H04L47/00—Traffic control in data switching networks
- H04L47/70—Admission control; Resource allocation
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Abstract
The invention discloses a payment channel flow configuration method and device, and relates to the technical field of information. The method and the device are mainly used for solving the problems of low real-time performance and efficiency of the conventional payment channel flow configuration. The method comprises the following steps: when the flow of the payment channel needs to be adjusted, firstly, the payment success rate corresponding to each payment channel is obtained; detecting whether a payment channel with a payment success rate not meeting preset conditions exists; if the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel.
Description
Technical Field
The invention relates to the technical field of information, in particular to a payment channel flow configuration method and device.
Background
With the continuous development of information technology and the internet, various applications have appeared. In which, more and more financial institutions provide online payment services for users, and in general, a payment process can be completed by one payment channel of a plurality of payment channels, so how to configure routing and offloading traffic for each payment channel becomes a very important issue.
At present, when the payment channel traffic is configured, the traffic is generally configured for each payment channel according to a pre-configured distribution ratio, for example, there are three payment channels a/B/C, and the pre-configured distribution ratio is 40%, and 20%, then 40% traffic is configured for the payment channel a, 40% traffic is configured for the payment channel B, and 20% traffic is configured for the payment channel C. It can be seen that the existing payment channel flow configuration mode is a static configuration mode, cannot be adjusted according to actual conditions, and when a certain payment channel has a problem, can be closed only in a manual mode, so that the real-time performance and efficiency of the existing payment channel flow configuration are low.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for configuring payment channel traffic, and mainly aim to solve the problem in the prior art that the payment channel traffic configuration is low in instantaneity and efficiency.
In order to achieve the purpose, the invention provides the following technical scheme:
in one aspect, an embodiment of the present invention provides a payment channel traffic configuration method, including:
obtaining the payment success rate corresponding to each payment channel;
detecting whether a payment channel with a payment success rate not meeting preset conditions exists;
if the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel.
In another aspect, an embodiment of the present invention provides a payment channel traffic configuration, including:
the acquisition unit is used for acquiring the payment success rate corresponding to each payment channel;
the detection unit is used for detecting whether a payment channel with a payment success rate not meeting preset conditions exists;
and the adjusting unit is used for adjusting the flow corresponding to each payment channel according to the flow adjusting value corresponding to the payment channel with the payment success rate not meeting the preset condition if the payment success rate exists.
By the technical scheme, the technical scheme provided by the embodiment of the invention at least has the following advantages:
according to the method and the device for configuring the payment channel flow, when the payment channel flow needs to be adjusted, the payment success rate corresponding to each payment channel is obtained; detecting whether a payment channel with a payment success rate not meeting preset conditions exists; if the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel. Compared with the prior art that the flow is respectively configured for each payment channel according to the pre-configured distribution proportion when the flow configuration of the payment channel is carried out, the flow configuration method and the device can improve the instantaneity and the efficiency of the flow configuration of the payment channel by adjusting the flow of each payment channel in real time according to the real-time payment success rate of each payment channel.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
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Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
fig. 1 shows a flowchart of a payment channel traffic configuration method provided by an embodiment of the present invention;
FIG. 2 is a flow chart of another payment channel traffic configuration method provided by the embodiment of the invention;
fig. 3 is a schematic structural diagram illustrating a payment channel traffic configuration apparatus according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram illustrating another payment channel traffic configuration apparatus according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
The embodiment of the invention provides a payment channel flow configuration method, as shown in fig. 1, the method comprises the following steps:
101. and obtaining the payment success rate corresponding to each payment channel.
The payment channels are payment ways configured for completing a certain payment task, the payment channels can be replaced with one another, the number of the payment channels can be configured according to actual requirements, and the embodiment of the invention is not limited. For the embodiment of the invention, the payment success rate corresponding to each payment channel is a real-time success rate, so that the real-time performance of flow adjustment of each payment channel can be ensured.
102. And detecting whether a payment channel with a payment success rate not meeting preset conditions exists.
The preset condition may specifically be whether a difference value of a change from the expected success rate of the payment channel is smaller than a preset threshold. The step of obtaining the expected success rate corresponding to each channel may specifically include: firstly, continuously sampling data for a long period of time according to historical payment success rate data of payment channels, and establishing a channel payment success rate prediction model by adopting an autoregressive moving average modeling method because a payment success rate sequence corresponding to the payment channels is basically a stable time sequence, and then calculating expected success rates corresponding to the payment channels according to the payment success rate prediction model.
103. If the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel.
And the flow adjustment value is the flow value which needs to be adjusted once by the payment channel. For the embodiment of the invention, the smoothness of each flow adjustment can be ensured while the flow adjustment is carried out in real time under the condition that the payment channel has problems by means of multiple times of micro adjustment, so that the influence generated after the flow adjustment is carried out on the current channel and the influence generated after the flow adjustment is carried out on other payment channels are reduced.
According to the payment channel flow configuration method provided by the embodiment of the invention, when the flow of the payment channel needs to be adjusted, the payment success rate corresponding to each payment channel is obtained; detecting whether a payment channel with a payment success rate not meeting preset conditions exists; if the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel. Compared with the prior art that the flow is respectively configured for each payment channel according to the pre-configured distribution proportion when the flow configuration of the payment channel is carried out, the flow configuration method and the device can improve the instantaneity and the efficiency of the flow configuration of the payment channel by adjusting the flow of each payment channel in real time according to the real-time payment success rate of each payment channel.
Further, another payment channel traffic configuration method is provided in an embodiment of the present invention, as shown in fig. 2, the method includes:
201. and obtaining the payment success rate corresponding to each payment channel.
The payment channels are configured in a mutually replaceable manner when a certain payment task is completed, the number of the payment channels can be configured according to actual requirements, and the embodiment of the invention is not limited. For the embodiment of the invention, the payment success rate corresponding to each payment channel is a real-time success rate, so that the real-time performance of flow adjustment of each payment channel can be ensured.
202. And acquiring a difference value between the payment success rate corresponding to the payment channel and the expected success rate, and detecting whether the difference value is greater than or equal to a preset threshold value.
The step of obtaining the expected success rate corresponding to each channel may refer to corresponding descriptions in step 101, and is not described herein again. The preset threshold may be configured according to actual requirements, and the embodiment of the present invention is not limited. The difference may specifically be a payment success rate decrease value or a payment success rate increase value, and the embodiment of the present invention is not limited.
203. And if the difference is larger than or equal to a preset threshold, confirming that the payment success rate corresponding to the payment channel does not meet a preset condition, and acquiring a flow adjustment value corresponding to the payment channel.
And the flow adjustment value is the flow value which needs to be adjusted once by the payment channel. For the embodiment of the invention, the flow adjustment can be carried out in real time under the condition that the payment channel has problems by means of multiple times of micro adjustment, and meanwhile, the smoothness of each time of flow adjustment is ensured, so that the influence generated after the flow adjustment is carried out on other payment channels is reduced.
For the embodiment of the present invention, step 203 may specifically include: firstly, a flow adjustment disturbance value corresponding to the payment channel and a flow adjustment disturbance proportion corresponding to the payment channel are obtained, wherein the flow adjustment disturbance value is in direct proportion to the preset threshold value, the flow adjustment disturbance proportion is determined according to service attribute information corresponding to the payment channel, and then the flow adjustment value corresponding to the payment channel is obtained according to the flow adjustment disturbance value and the flow adjustment disturbance proportion. The service attribute information corresponding to the payment channel may be some characteristics of the channel that are objective and unchangeable, such as a commission rate, a service importance degree, and the like.
Specifically, the obtaining of the flow adjustment value corresponding to the payment channel according to the flow adjustment disturbance value and the flow adjustment disturbance proportion includes that f (x) is γ r, | a2-a1| > s, where f (x) is the flow adjustment value, γ is the flow adjustment disturbance proportion, r is the flow adjustment disturbance value, | a2-a1| is a difference between a payment success rate corresponding to the payment channel and an expected success rate, and s is a preset threshold.
204. And adjusting the flow corresponding to each payment channel according to the flow adjustment value corresponding to the payment channel with the payment success rate not meeting the preset condition.
For the embodiment of the present invention, step 204 may specifically include: and if the difference value is a payment success rate reduction value, reducing the flow rate corresponding to the payment channel by a flow rate adjustment value, and averagely configuring the flow rate adjustment value to other payment channels meeting the preset conditions. For example, the payment success rate of the payment channel a is significantly reduced, the flow adjustment value of the payment channel a is 100M, and the other payment channels meeting the preset condition are the payment channel B and the payment channel C, respectively, the flow of the payment channel a is reduced by 100M, and the flow of the payment channel B and the flow of the payment channel C are increased by 50M, respectively. The flow reduction amount of a certain payment channel is averagely distributed to other payment channels, so that the smoothness of each flow adjustment can be guaranteed while the flow adjustment is carried out in real time under the condition that the payment channel is in a problem, and the influence of the flow adjustment of the payment channel in which the problem occurs on other payment channels is reduced.
For the embodiment of the present invention, step 204 may further include: and if the difference value is a payment success rate reduction value, reducing the flow adjustment value of the flow corresponding to the payment channel, and configuring the flow adjustment value to other payment channels meeting the preset condition according to the residual flow values respectively corresponding to other payment channels meeting the preset condition, wherein the residual flow value is the difference value between the flow receivable value of the payment channel and the current flow value of the payment channel. For example, the payment success rate of the payment channel a is significantly reduced, the flow adjustment value of the payment channel a is 100M, the other payment channels meeting the preset condition are the payment channel B and the payment channel C, respectively, the residual flow value of the payment channel B is 5000M, and the residual flow value of the payment channel C is 15000M, so that the flow of the payment channel a is reduced by 100M, and the flow of the payment channel B and the flow of the payment channel C are increased by 25M and 75M, respectively. In the embodiment of the invention, the flow reduction amount of a certain payment channel is distributed to other payment channels according to the residual flow values respectively corresponding to other payment channels, so that the accuracy of flow adjustment can be further improved.
For the embodiment of the present invention, step 204 may further include: if the difference value comprises a payment success rate descending value and a payment success rate ascending value, acquiring a flow adjustment difference value between a total flow adjustment value corresponding to each payment channel with the descending payment success rate and a total flow adjustment value corresponding to each payment channel with the ascending payment success rate; and if the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is larger than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, respectively reducing the flow value of each payment channel with the decreased payment success rate by the corresponding flow adjustment value, respectively increasing the flow value corresponding to each payment channel with the increased payment success rate by the corresponding flow adjustment value, and averagely increasing the flow adjustment difference value to the flow of each other payment channel meeting the preset condition.
For example, the payment channels with the significantly decreased payment success rate are respectively a/B/C, the payment channels with the significantly increased payment success rate are respectively D/E, there are 5 payment channels with unchanged payment success rate, the flow adjustment value corresponding to the payment channel a is 100M, the flow adjustment value corresponding to the payment channel B is 50M, the flow adjustment value corresponding to the payment channel C is 50M, the flow adjustment value corresponding to the payment channel D is 50M, and the flow adjustment value corresponding to the payment channel E is 50M. The total flow adjustment value corresponding to the payment channel with the remarkably decreased payment success rate is 200M, the total flow adjustment value corresponding to the payment channel with the remarkably increased payment success rate is 100M, the total flow adjustment value corresponding to the payment channel with the remarkably decreased payment success rate is larger than the total flow adjustment value corresponding to the payment channel with the remarkably increased payment success rate, and the difference value is 100M, so that 20M flows are respectively added to 5 payment channels with unchanged payment success rates.
On the contrary, if the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is smaller than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is respectively decreased by the corresponding flow adjustment value, the flow value corresponding to each payment channel with the increased payment success rate is respectively increased by the corresponding flow adjustment value, the total flow values decreased by each payment channel conforming to the preset condition are configured as the flow adjustment difference value, and the flow reduction values corresponding to each payment channel conforming to the preset condition are the same.
Further, if no payment channel meeting the preset condition exists and the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is greater than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, adjusting the flow adjustment value corresponding to each payment channel with the decreased payment success rate according to the flow adjustment difference. Specifically, the flow adjustment values respectively corresponding to the payment channels with the decreased payment success rate respectively decrease quotients between the flow adjustment difference values and the number of the payment channels with the decreased payment success rate.
For example, the payment channels with the significantly decreased payment success rate are respectively a/B/C, the payment channels with the significantly increased payment success rate are respectively D/E, the payment channel with the unchanged payment success rate is 0, the flow adjustment value corresponding to the payment channel a is 60M, the flow adjustment value corresponding to the payment channel B is 50M, the flow adjustment value corresponding to the payment channel C is 50M, the flow adjustment value corresponding to the payment channel D is 50M, and the flow adjustment value corresponding to the payment channel E is 50M. The total flow adjustment value corresponding to the payment channel with the remarkably decreased payment success rate is 160M, the total flow adjustment value corresponding to the payment channel with the remarkably increased payment success rate is 100M, the total flow adjustment value corresponding to the payment channel with the remarkably decreased payment success rate is larger than the total flow adjustment value corresponding to the payment channel with the remarkably increased payment success rate, and the difference value is 60M, then the flow adjustment value corresponding to the payment channel A is adjusted to 40M, the flow adjustment value corresponding to the payment channel B is adjusted to 30M, and the flow adjustment value corresponding to the payment channel C is adjusted to 30M.
And on the contrary, if the payment channels meeting the preset conditions do not exist and the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is smaller than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, adjusting the flow adjustment value corresponding to each payment channel with the increased payment success rate according to the flow adjustment difference value.
According to the another payment channel flow configuration method provided by the embodiment of the invention, when the flow of the payment channel needs to be adjusted, the payment success rate corresponding to each payment channel is obtained; detecting whether a payment channel with a payment success rate not meeting preset conditions exists; if the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel. Compared with the prior art that the flow is respectively configured for each payment channel according to the pre-configured distribution proportion when the flow configuration of the payment channel is carried out, the flow configuration method and the device can improve the instantaneity and the efficiency of the flow configuration of the payment channel by adjusting the flow of each payment channel in real time according to the real-time payment success rate of each payment channel.
Further, as a specific implementation of the method shown in fig. 1, an embodiment of the present invention provides a payment channel traffic configuration device, and as shown in fig. 3, the device may include: an acquisition unit 31, a detection unit 32, and an adjustment unit 33.
The acquiring unit 31 is configured to acquire payment success rates corresponding to the payment channels respectively;
the detection unit 32 is used for detecting whether a payment channel with a payment success rate not meeting preset conditions exists;
and an adjusting unit 33, configured to adjust, if the payment success rate does not meet the preset condition, the flow rates corresponding to the payment channels according to the flow rate adjustment value corresponding to the payment channel.
It should be noted that the embodiment of the apparatus corresponds to the embodiment of the method, and details of the embodiment of the apparatus are not repeated in the foregoing embodiment of the method for facilitating reading, but it should be clear that the apparatus in the embodiment can correspondingly implement all the contents of the foregoing embodiment of the method.
According to the payment channel flow configuration device provided by the embodiment of the invention, when the flow of the payment channel needs to be adjusted, the payment success rate corresponding to each payment channel is obtained; detecting whether a payment channel with a payment success rate not meeting preset conditions exists; if the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel. Compared with the prior art that the flow is respectively configured for each payment channel according to the pre-configured distribution proportion when the flow configuration of the payment channel is carried out, the flow configuration method and the device can improve the instantaneity and the efficiency of the flow configuration of the payment channel by adjusting the flow of each payment channel in real time according to the real-time payment success rate of each payment channel.
Further, as a specific implementation of the method shown in fig. 2, an embodiment of the present invention provides another server payment channel traffic configuration apparatus, and as shown in fig. 4, the apparatus may include: acquisition unit 41, detection unit 42, and adjustment unit 43.
The obtaining unit 41 is configured to obtain payment success rates corresponding to the payment channels respectively;
the detection unit 42 is used for detecting whether a payment channel with a payment success rate not meeting preset conditions exists;
and an adjusting unit 43, configured to adjust, if the payment success rate does not meet the preset condition, the flow rates corresponding to the payment channels according to the flow rate adjustment value corresponding to the payment channel.
Further, the detecting unit 42 is specifically configured to obtain a difference between a payment success rate corresponding to the payment channel and an expected success rate;
and detecting whether the difference value is greater than or equal to a preset threshold value.
Further, the apparatus further comprises: a confirmation unit 44;
the confirming unit 44 is configured to confirm that the payment success rate corresponding to the payment channel does not meet a preset condition if the difference is greater than or equal to a preset threshold;
the obtaining unit 41 is further configured to obtain a flow adjustment value corresponding to the payment channel.
Further, the obtaining unit 41 is specifically configured to obtain a traffic adjustment disturbance value corresponding to the payment channel and a traffic adjustment disturbance proportion corresponding to the payment channel, where the traffic adjustment disturbance value is directly proportional to the preset threshold, and the traffic adjustment disturbance proportion is determined according to the service attribute information corresponding to the payment channel;
and acquiring a flow adjustment value corresponding to the payment channel according to the flow adjustment disturbance value and the flow adjustment disturbance proportion.
Further, the adjusting unit 43 is specifically configured to reduce the flow rate corresponding to the payment channel by a flow rate adjustment value if the difference is a payment success rate reduction value, and averagely configure the flow rate adjustment value to other payment channels meeting the preset condition.
Further, the adjusting unit 43 is specifically configured to reduce the flow rate corresponding to the payment channel by a flow rate adjustment value if the difference is a payment success rate decrease value, and configure the flow rate adjustment value to other payment channels meeting the preset condition according to remaining flow rate capacities corresponding to other payment channels meeting the preset condition, where the remaining flow rate capacity is a difference between a receivable flow rate value of the payment channel and a current flow rate value of the payment channel.
Further, the adjusting unit 43 is specifically configured to, if the difference includes a payment success rate decrease value and a payment success rate increase value, obtain a flow adjustment difference between a total flow adjustment value corresponding to each payment channel having a decreased payment success rate and a total flow adjustment value corresponding to each payment channel having an increased payment success rate;
if the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is larger than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, respectively reducing the flow value of each payment channel with the decreased payment success rate by the corresponding flow adjustment value, respectively increasing the flow value corresponding to each payment channel with the increased payment success rate by the corresponding flow adjustment value, and averagely increasing the flow adjustment difference value to the flow of each other payment channel which meets the preset condition;
if the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is smaller than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, respectively reducing the flow value of each payment channel with the decreased payment success rate by the corresponding flow adjustment value, respectively increasing the flow value corresponding to each payment channel with the increased payment success rate by the corresponding flow adjustment value, and configuring the reduced flow total value of each payment channel meeting the preset condition as the flow adjustment difference value, wherein the flow reduction values corresponding to each payment channel meeting the preset condition are the same.
Further, the adjusting unit 43 is further configured to adjust the flow adjustment value corresponding to each payment channel with a decreased payment success rate according to the flow adjustment difference value if there is no payment channel meeting a preset condition and the total flow adjustment value corresponding to each payment channel with a decreased payment success rate is greater than the total flow adjustment value corresponding to each payment channel with an increased payment success rate.
Further, the adjusting unit 43 is further configured to adjust the flow adjustment value corresponding to each payment channel with an increased payment success rate according to the flow adjustment difference value if there is no payment channel meeting the preset condition and the total flow adjustment value corresponding to each payment channel with a decreased payment success rate is smaller than the total flow adjustment value corresponding to each payment channel with an increased payment success rate.
It should be noted that the embodiment of the apparatus corresponds to the embodiment of the method, and details of the embodiment of the apparatus are not repeated in the foregoing embodiment of the method for facilitating reading, but it should be clear that the apparatus in the embodiment can correspondingly implement all the contents of the foregoing embodiment of the method.
According to the other payment channel flow configuration device provided by the embodiment of the invention, when the flow of the payment channel needs to be adjusted, the payment success rate corresponding to each payment channel is obtained; detecting whether a payment channel with a payment success rate not meeting preset conditions exists; if the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel. Compared with the prior art that the flow is respectively configured for each payment channel according to the pre-configured distribution proportion when the flow configuration of the payment channel is carried out, the flow configuration method and the device can improve the instantaneity and the efficiency of the flow configuration of the payment channel by adjusting the flow of each payment channel in real time according to the real-time payment success rate of each payment channel.
The user core device comprises a processor and a memory, the virtual units are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.
The processor comprises a kernel, and the kernel calls the corresponding program unit from the memory. The kernel can be set to be one or more than one, and the problem of low accuracy of the existing user kernel method is solved by adjusting kernel parameters.
The memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.
The present application further provides a computer program product adapted to perform program code for initializing the following method steps when executed on a data processing device:
obtaining the payment success rate corresponding to each payment channel;
detecting whether a payment channel with a payment success rate not meeting preset conditions exists;
if the payment success rate does not meet the preset conditions, the flow corresponding to each payment channel is adjusted according to the flow adjustment value corresponding to the payment channel.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of payment channel traffic configuration methods, apparatus, systems, and computer program products according to embodiments. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (16)
1. A payment channel traffic configuration method is characterized by comprising the following steps:
obtaining the payment success rate corresponding to each payment channel;
detecting whether a payment channel with a payment success rate not meeting preset conditions exists;
if the traffic disturbance condition exists, acquiring a traffic regulation disturbance value corresponding to the payment channel and a traffic regulation disturbance proportion corresponding to the payment channel, wherein the traffic regulation disturbance value is in direct proportion to a preset threshold value, and the traffic regulation disturbance proportion is determined according to the service attribute information corresponding to the payment channel;
acquiring a flow adjustment value corresponding to the payment channel according to the flow adjustment disturbance value and the flow adjustment disturbance proportion;
and adjusting the flow corresponding to each payment channel according to the flow adjustment value corresponding to the payment channel with the payment success rate not meeting the preset condition.
2. The method of claim 1, wherein the detecting whether there is a payment channel with a payment success rate that does not meet a preset condition comprises:
acquiring a difference value between a payment success rate corresponding to a payment channel and an expected success rate;
and detecting whether the difference value is greater than or equal to a preset threshold value.
3. The method of claim 2, wherein after detecting whether the difference is greater than or equal to a preset threshold, the method further comprises:
and if the difference is larger than or equal to a preset threshold, confirming that the payment success rate corresponding to the payment channel does not meet a preset condition.
4. The method of claim 1, wherein if the traffic adjustment value exists, adjusting the traffic corresponding to each payment channel according to the traffic adjustment value corresponding to the payment channel whose payment success rate does not meet the preset condition comprises:
and if the difference value is a payment success rate reduction value, reducing the flow rate corresponding to the payment channel by a flow rate adjustment value, and averagely configuring the flow rate adjustment value to other payment channels meeting the preset conditions.
5. The method according to claim 4, wherein if the payment success rate does not meet the preset conditions, adjusting the flow rate corresponding to each payment channel according to the flow rate adjustment value corresponding to the payment channel comprises:
and if the difference is a payment success rate reduction value, reducing the flow corresponding to the payment channel by a flow adjustment value, and configuring the flow adjustment value to other payment channels meeting the preset condition according to the residual flow capacity corresponding to other payment channels meeting the preset condition respectively, wherein the residual flow capacity is the difference between the flow value capable of being accommodated in the payment channel and the current flow value of the payment channel.
6. The method of claim 1, wherein if the traffic adjustment value exists, adjusting the traffic corresponding to each payment channel according to the traffic adjustment value corresponding to the payment channel whose payment success rate does not meet the preset condition comprises:
if the difference value comprises a payment success rate descending value and a payment success rate ascending value, acquiring a flow adjustment difference value between a total flow adjustment value corresponding to each payment channel with the descending payment success rate and a total flow adjustment value corresponding to each payment channel with the ascending payment success rate;
if the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is larger than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, respectively reducing the flow value of each payment channel with the decreased payment success rate by the corresponding flow adjustment value, respectively increasing the flow value corresponding to each payment channel with the increased payment success rate by the corresponding flow adjustment value, and averagely increasing the flow adjustment difference value to the flow of each other payment channel which meets the preset condition;
if the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is smaller than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, respectively reducing the flow value of each payment channel with the decreased payment success rate by the corresponding flow adjustment value, respectively increasing the flow value corresponding to each payment channel with the increased payment success rate by the corresponding flow adjustment value, and reducing the total flow value of each other payment channel meeting the preset condition, wherein the reduced total flow value is the flow adjustment difference value, and the flow reduction values of each other payment channel meeting the preset condition are the same.
7. The method of claim 6, wherein after obtaining the flow adjustment difference, the method further comprises:
and if the payment channels meeting the preset conditions do not exist and the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is larger than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, adjusting the flow adjustment value corresponding to each payment channel with the decreased payment success rate according to the flow adjustment difference.
8. The method of claim 6, wherein after obtaining the flow adjustment difference, the method further comprises:
and if the payment channels meeting the preset conditions do not exist and the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is smaller than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, adjusting the flow adjustment value corresponding to each payment channel with the increased payment success rate according to the flow adjustment difference.
9. A payment channel traffic configuration apparatus, comprising:
the acquisition unit is used for acquiring the payment success rate corresponding to each payment channel;
the detection unit is used for detecting whether a payment channel with a payment success rate not meeting preset conditions exists;
the adjusting unit is used for adjusting the flow corresponding to each payment channel according to the flow adjusting value corresponding to the payment channel with the payment success rate not meeting the preset condition if the payment success rate exists;
the acquiring unit is further configured to acquire a traffic adjustment disturbance value corresponding to the payment channel and a traffic adjustment disturbance proportion corresponding to the payment channel, where the traffic adjustment disturbance value is in direct proportion to a preset threshold value, and the traffic adjustment disturbance proportion is determined according to service attribute information corresponding to the payment channel; and acquiring a flow adjustment value corresponding to the payment channel according to the flow adjustment disturbance value and the flow adjustment disturbance proportion.
10. The payment channel flow configuration device of claim 9,
the detection unit is specifically used for acquiring a difference value between a payment success rate corresponding to a payment channel and an expected success rate;
and detecting whether the difference value is greater than or equal to a preset threshold value.
11. The payment channel flow configuration device of claim 10, wherein the device further comprises: a confirmation unit;
and the confirming unit is used for confirming that the payment success rate corresponding to the payment channel does not accord with the preset condition if the difference value is greater than or equal to the preset threshold value.
12. The payment channel flow configuration device of claim 9,
the adjusting unit is specifically configured to reduce the flow rate corresponding to the payment channel by a flow rate adjustment value if the difference is a payment success rate reduction value, and averagely configure the flow rate adjustment value to each of the other payment channels meeting the preset condition.
13. The payment channel flow configuration device of claim 11,
the adjusting unit is specifically configured to reduce the flow rate corresponding to the payment channel by a flow rate adjusting value if the difference is a payment success rate reduction value, and configure the flow rate adjusting value to each other payment channel meeting the preset condition according to the remaining flow rate capacity corresponding to each other payment channel meeting the preset condition, where the remaining flow rate capacity is a difference between a receivable flow rate value of the payment channel and a current flow rate value of the payment channel.
14. The payment channel flow configuration device of claim 11,
the adjusting unit is specifically configured to obtain a flow adjustment difference between a total flow adjustment value corresponding to each payment channel with a decreased payment success rate and a total flow adjustment value corresponding to each payment channel with an increased payment success rate if the difference includes a decreased payment success rate value and an increased payment success rate value;
if the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is larger than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, respectively reducing the flow value of each payment channel with the decreased payment success rate by the corresponding flow adjustment value, respectively increasing the flow value corresponding to each payment channel with the increased payment success rate by the corresponding flow adjustment value, and averagely increasing the flow adjustment difference value to the flow of each other payment channel which meets the preset condition;
if the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is smaller than the total flow adjustment value corresponding to each payment channel with the increased payment success rate, respectively reducing the flow value of each payment channel with the decreased payment success rate by the corresponding flow adjustment value, respectively increasing the flow value corresponding to each payment channel with the increased payment success rate by the corresponding flow adjustment value, and reducing the total flow value of each other payment channel meeting the preset condition, wherein the reduced total flow value is the flow adjustment difference value, and the flow reduction values of each other payment channel meeting the preset condition are the same.
15. The payment channel flow configuration device of claim 14,
and the adjusting unit is also used for adjusting the flow adjustment value corresponding to each payment channel with the decreased payment success rate according to the flow adjustment difference value if the payment channel meeting the preset condition does not exist and the total flow adjustment value corresponding to each payment channel with the decreased payment success rate is larger than the total flow adjustment value corresponding to each payment channel with the increased payment success rate.
16. The payment channel flow configuration device of claim 14,
the adjusting unit is further configured to adjust the flow adjustment value corresponding to each payment channel with an increased payment success rate according to the flow adjustment difference value if there is no payment channel meeting a preset condition and the total flow adjustment value corresponding to each payment channel with a decreased payment success rate is smaller than the total flow adjustment value corresponding to each payment channel with an increased payment success rate.
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| CN110033246B (en) * | 2018-12-07 | 2024-01-12 | 创新先进技术有限公司 | Network payment current limiting control method and device |
| CN110264171B (en) * | 2019-06-06 | 2023-04-18 | 深圳前海微众银行股份有限公司 | Distributed bill processing method, device, equipment and computer readable storage medium |
| CN110738469B (en) * | 2019-09-30 | 2021-10-01 | 京东数字科技控股有限公司 | Payment processing method and device and storage medium |
| CN113112263A (en) * | 2021-05-07 | 2021-07-13 | 深圳乐信软件技术有限公司 | Payment mode display method and device, server and storage medium |
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