CN107818428A - The decision-making technique and device of business channel - Google Patents
The decision-making technique and device of business channel Download PDFInfo
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- CN107818428A CN107818428A CN201711215938.5A CN201711215938A CN107818428A CN 107818428 A CN107818428 A CN 107818428A CN 201711215938 A CN201711215938 A CN 201711215938A CN 107818428 A CN107818428 A CN 107818428A
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Abstract
The application provides a kind of decision-making technique of business channel, including：In response to service request corresponding with target account, business channel corresponding with target account is inquired about；Screen the business channel generation business channel list that service success rate in the business channel is more than predetermined threshold value；Rate based on business channel is ranked up to the business channel list, and is that the target account selects business channel based on the business channel list after sequence；And it is the target account service switchover channel based on the business channel list after sequence when performing failure based on the business channel business selected.
Description
Technical field
The application is related to computer application field, more particularly to a kind of decision-making technique and device of business channel.
Background technology
In the client software that some user orienteds provide financial service (such as financing APP), user is passing through the visitor
When family end software completes the business that some have multi-service channel, usually require that client software can be in these business channels
In, go out an optimal business channel for user's decision-making；For example, by taking the payment decision-making scene of pay this extra channel as an example, Yong Hu
When paying the financial product of purchase by the APP that manages money matters, it usually needs the bank by the channel of disbursement with bank intercommunication from user
Withholdd in card to complete fund, and if bank supports multiple channel of disbursement, then then require that financing APP can be from these payments
Go out an optimal channel of disbursement in channel for user's decision-making.However, in actual applications, business channel is very different, therefore
How for user when completing the business that some have multi-service channel by client software, select a more stable industry
Business channel, it is of great significance for lifting Consumer's Experience tool.
The content of the invention
The application proposes a kind of decision-making technique of business channel, and methods described includes：
In response to service request corresponding with target account, business channel corresponding with target account is inquired about；
Screen the business channel generation business channel list that service success rate in the business channel is more than predetermined threshold value；
Rate based on business channel is ranked up to the business channel list, and based on the business canal after sequence
Road list is that the target account selects business channel；And
It is institute based on the business channel list after sequence when performing failure based on the business channel business selected
State target account service switchover channel.
Optionally, service success rate is more than the business channel generation business of predetermined threshold value in the screening business channel
Before channel list, in addition to：
The business channel in the business channel list is filtered based on default filtering policy.
Optionally, the default filtering policy includes one or more the combination in following filtering policy：
Filter the unmatched business channel of type of service for type of service and this business supported；
The business channel of business limitation be present in filtering；
The business channel of business limit be present in filtering.
Optionally, service success rate is more than the business channel generation business of predetermined threshold value in the screening business channel
Before channel list, in addition to：
The service success rate for counting the nearest N payment transaction of each business channel carrying in the business channel list is made
For the service success rate of each business channel.
Optionally, in addition to：
If the number that the payment transaction that any business channel in the business channel list is carried continuously fails reaches
To preset times, then the service success rate of the business channel is arranged to 0；And
When the service success rate of any business channel still is below the predetermined threshold value after preset duration, then by the business
The service success rate of channel resets to initial value.
Optionally, the rate based on business channel is ranked up to the business channel list, and is based on after sorting
The business channel list for the target account select business channel, including：
Rate based on business channel is ranked up to the business channel list according to the order of rate from low to high, and
It is that the target account selects the minimum business channel of rate based on the business channel list after sequence；
It is described when performing failure based on the business channel business selected, based on the business channel list after sequence
For the target account service switchover channel, including：
It is described when performing failure based on the business channel business selected, by the business channel of the target account by working as
Next business channel that preceding business channel is switched in the business channel list.
Optionally, the target account is payment account；The business channel is channel of disbursement；The service success rate is
Pay success rate.
The application also proposes a kind of decision making device of business channel, and described device includes：
Enquiry module, in response to service request corresponding with target account, inquire about business channel corresponding with target account；
Screening module, screen the business channel generation business canal that service success rate in the business channel is more than predetermined threshold value
Road list；
Selecting module, the rate based on business channel are ranked up to the business channel list, and based on sequence after
The business channel list is that the target account selects business channel；
Handover module, when performing failure based on the business channel business selected, based on the business canal after sequence
Road list is the target account service switchover channel.
Optionally, the screening module is further：
Before service success rate in filtering out the business channel list is more than the business channel of predetermined threshold value, based on pre-
If filtering policy the business channel in the business channel list is filtered.
Optionally, the default filtering policy includes one or more the combination in following filtering policy：
Filter the unmatched business channel of type of service for type of service and this business supported；
The business channel of business limitation be present in filtering；
The business channel of business limit be present in filtering.
Optionally, in addition to：
Statistical module, service success rate is more than the business of predetermined threshold value in the screening module screens the business channel
Before channel generation business channel list, the nearest N pens for counting each business channel carrying in the business channel list are paid
Service success rate of the service success rate of transaction as each business channel.
Optionally, the statistical module is further：
If the number that the payment transaction that any business channel in the business channel list is carried continuously fails reaches
To preset times, then the service success rate of the business channel is arranged to 0；And
When the service success rate of any business channel still is below the predetermined threshold value after preset duration, then by the business
The service success rate of channel resets to initial value.
Optionally, the selecting module：
Rate based on business channel is ranked up to the business channel list according to the order of rate from low to high, and
It is that the target account selects the minimum business channel of rate based on the business channel list after sequence；
The handover module：
When performing failure based on the business channel business selected, by the business channel of the target account by current
Next business channel that business channel is switched in the business channel list.
Optionally, the target account is payment account；The business channel is channel of disbursement；The service success rate is
Pay success rate.
The technical scheme that the embodiment of the present application is provided, when user has multiple business completing some by target account
During the business of channel, the industry of predetermined threshold value is more than by filtering out service success rate in business channel corresponding with the target account
Business channel generation business channel list, and to being ranked up according to rate to the business channel list after the sequence, be then based on
The business channel list after sequence selects business channel for the target account, and when based on the business channel business selected
It is the target account service switchover channel based on the business channel list after sequence when performing failure；
On the one hand, due to when selecting business channel for target account, can take into account simultaneously the stability of business channel with
And the rate of business channel, therefore can be as far as possible user on the premise of the stability of business channel of selection is ensured
Select the optimal business channel of rate；
On the other hand, due to that can be target account automatically when business execution failure occurs for the business channel selected
Service switchover channel, it can avoid being target account service switchover channel manually, so as to complete in the case of user's unaware
The switching of business channel, help to lift Consumer's Experience.
Brief description of the drawings
Fig. 1 is the flow chart for the decision-making technique that the application one implements a kind of business channel exemplified；
Fig. 2 is that a kind of bank card for user that the application one implements to exemplify is selected for carrying out paying the payment withheld
The flow chart of channel；
Fig. 3 is involved by a kind of electronic equipment of the decision making device of business channel of carrying that the embodiment of this specification one provides
Hardware structure diagram；
Fig. 4 is a kind of logic diagram of the decision making device for business channel that the embodiment of this specification one provides.
Embodiment
The application is directed to one kind, takes into account the situation of the stability of business channel and the rate of business channel at the same time
Under, it is automatic that optimal business channel is selected for target account, and when business execution failure occurs for the business channel selected, from
Move as the technical scheme of target account service switchover channel.
When realizing, when user is by target account initiating business request, industry corresponding with target account can be inquired about
Business channel；For example, by user by manage money matters APP buy finance product scene exemplified by, above-mentioned business channel can be specifically from
The channel of disbursement that bank card is withholdd, when user initiates the payment transaction to the finance product of purchase by the APP that manages money matters, the financing
APP or the service end with the finance product, can the bank card account number based on the user, to the bank service end inquiry should
Channel of disbursement corresponding to bank card account number；
After business channel corresponding with target account is inquired, business success in the business channel list can be filtered out
Rate is more than the business channel of predetermined threshold value, and these business channels generation business channel list for being then based on filtering out is as available
Business channel list.
Further, after available service channel list is generated, can the rate based on business channel to the business channel
List is ranked up, the business channel list being then based on after sequence, and business channel is selected for the target account；And when
It is the target account service switchover based on the business channel list after sequence when the business channel business selected performs failure
Channel.
For example, can the rate based on business channel the business channel list is entered according to the order of rate from low to high
Row sequence, and be that the target account selects the minimum business channel of rate based on the business channel list after sequence；With
And when paying failure business based on the business channel selected and performing failure, order that can be based on the rate from low to high,
The business channel of the target account is automatically switched in the business channel list after sequence by current business channel
Next business channel.
Technical scheme more than, on the one hand, due to when selecting business channel for target account, can take into account simultaneously
The stability of business channel and the rate of business channel, therefore can be in the premise of the stability for the business channel for ensuring selection
Under, the optimal business channel of rate is selected for user as far as possible,
On the other hand, due to that can be target account automatically when business execution failure occurs for the business channel selected
Service switchover channel, it can avoid being target account service switchover channel manually, so as to complete in the case of user's unaware
The switching of business channel, help to lift Consumer's Experience.
The application is described below by specific embodiment and with reference to specific application scenarios.
Refer to Fig. 1, Fig. 1 is a kind of decision-making technique method for business channel that the embodiment of the application one provides, perform with
Lower step：
Step 101, in response to service request corresponding with target account, business channel corresponding with target account is inquired about；
Step 102, the business channel generation business canal that service success rate in the business channel is more than predetermined threshold value is screened
Road list；
Step 103, the rate based on business channel is ranked up to the business channel list, and based on the institute after sequence
State the list of business channel and select business channel for the target account；
Step 104, when performing failure based on the business channel business selected, based on the business channel after sequence
List is the target account service switchover channel.
In this application, above-mentioned business can specifically include any type of multichannel industry with multiple business channels
Business, in this application without being particularly limited to；For example, in actual applications, above-mentioned business can specifically include having multiple
Pay the payment transaction of channel, the real-name authentication business with multiple real name verification channels and with multiple bank cards checking canal
The bank card in road tests card business, etc..
Accordingly, the particular type of above-mentioned business channel, then can be with the particular type of above-mentioned business to corresponding；For example,
When above-mentioned business is payment transaction, above-mentioned business channel can be specifically channel of disbursement；The real-name authentication industry when above-mentioned business
During business, above-mentioned business channel can be specifically real name verification channel；When above-mentioned business for when testing card business, above-mentioned business channel has
Body can be bank card checking channel.
Technical scheme shown in above step 101-104, it can apply on client software or apply in face
In the service end that service is provided to client software, in this application also without being particularly limited to.
Wherein, above-mentioned client software, can be specifically the client software that user oriented provides financial service；Such as
The financing software based on web at PC ends, or the financing APP of mobile terminal；Above-mentioned service end, can be specifically towards above-mentioned client
Software is held to provide server, server cluster or the distributed service platform built based on server cluster of service.
Below so that above-mentioned business is the payment transaction with multiple channel of disbursement as an example, and pass through channel of disbursement with reference to user
Fund is withheld from bank card account and completes the application scenarios that the purchase of finance product is paid, the technical scheme of the application is carried out
It is described in detail.
In such a scenario, above-mentioned target account can be specifically the bank card account of user；Above-mentioned service request, specifically
Can be that user withholds request by the fund for APP initiations of managing money matters.Above-mentioned business channel can specifically include above-mentioned finance product
What APP had been accessed, it is capable of the channel of disbursement of bank paying platform intercommunication corresponding with the bank card account that user binds；It is above-mentioned
Service success rate can be specifically to pay success rate.
Refer to Fig. 2, Fig. 2 is that the bank card that a kind of shown in the application is user is selected for carrying out paying the branch withheld
Pay the flow chart of channel.
In an initial condition, when user have selected suitable finance product in finance product APP (hereinafter referred to as APP)
When, can be by triggering the user option that user oriented provides in the APP, the fund to initiate to the finance product is withheld；
For example, when realizing, above-mentioned user option can be specifically that one " the buying in " provided in APP interactive interface is pressed
Button, after user have selected suitable finance product in APP, this can be triggered by the mode such as clicking on and " buy in " button,
Fund to initiate to the finance product is withheld.
Fig. 2 is referred to, APP can respond the fund and withhold request after receiving the fund triggered by user and withholding request,
Based on the bank card account number for binding the user in APP, to inquire about bank information corresponding with the bank card account number, Ran Houji
The channel of disbursement list that the bank card account number is supported is inquired about in the bank information；
For example, when realizing, APP can build an inquiry request for carrying the bank card account number, then inquire about this
Request is sent to the service end of bank, to inquire about the channel of disbursement list that the bank card account number is supported；And the service end of bank can
To read the bank card account number from the inquiry request, then using the bank card account number as search index, in the data of correlation
The channel of disbursement that the bank card account number is supported is inquired about in storehouse, then in the form of a list returns to the channel of disbursement inquired
APP。
, first can be according to pre-configured filtering plan after APP receives the channel of disbursement list of service end return of bank
Slightly, filtration treatment is carried out to the channel of disbursement in the channel of disbursement list.
Fig. 2 is referred to, in a kind of embodiment shown, the channel of disbursement in above-mentioned channel of disbursement list is filtered
When, specifically can be from type of service, the limitation (i.e. business limits) of channel of disbursement and the payment limit of channel of disbursement supported
Three dimensions such as volume (i.e. business limit), are filtered to the channel of disbursement in above-mentioned channel of disbursement list.
In this case, above-mentioned filtering policy specifically can be including one in filtering policy described below or more
Individual combination：
Strategy one：Filter the unmatched channel of disbursement of type of service for type of service and this business supported.
In actual applications, channel of disbursement would generally be divided into commonly withhold, the class such as quick payment and Net silver are supplemented with money
Type；And requirement of the different types of service for channel of disbursement can generally also have certain difference；For example, for user from PC
The payment transaction initiated is held, the channel of disbursement of support is usually that Net silver supplements channel with money；The payment in store is such as integrated for some
Business, the channel of disbursement of support is usually quick payment channel；And the payment transaction for user by common APP initiations,
The channel of disbursement generally supported is commonly to withhold channel and quick payment channel.
Therefore, in this case, APP can filter out in the channel of disbursement in filtering above-mentioned channel of disbursement list
The unmatched channel of disbursement of type of service of those types of service supported and this business；Such as APP, can be with
The preferential other channel of disbursement filtered out in addition to commonly withholding channel and quick payment channel.
Strategy two：The channel of disbursement of business limitation be present in filtering.
In actual applications, some channel of disbursement usually there will be business limitation, and the business of different channel of disbursement
Limitation there is likely to be certain difference；Such as some channel of disbursement there may be such as twice in succession payment of balance deficiency, that
Future can not reuse the business limitation that the channel of disbursement is completed to pay for 24 hours.
Therefore, in this case, APP, can preferential mistake in the channel of disbursement in filtering above-mentioned channel of disbursement list
Filter in above-mentioned channel of disbursement list, the channel of disbursement of similar presence business limitation.
Strategy three：The channel of disbursement of business limit be present in filtering.
In actual applications, some channel of disbursement can generally also have certain business limit；For example, it may be possible to single branch
Pay and a maximum business limit be present；There may also be one most to daily, payment stroke count monthly or payment total amount
Big limit；
Therefore, in this case, APP, can preferential mistake in the channel of disbursement in filtering above-mentioned channel of disbursement list
Filter the channel of disbursement that business limit be present；
For example, in one implementation, the business limit that APP can preferentially filter out support is less than this business amount of money
Channel of disbursement；Or in another implementation, APP can also by count the same day or this month payment stroke count or
Person pays total amount, filters out those channel of disbursement for currently having met the limit for paying stroke count or paying total amount.
APP the filtering policy more than in above-mentioned channel of disbursement list channel of disbursement carry out filtration treatment after,
Because those in above-mentioned channel of disbursement list may cause this business to withhold the channel of disbursement of failure, from above-mentioned payment canal
Removed in road list, remaining channel of disbursement in above-mentioned channel of disbursement list, be all the matching of some types of service, in the absence of business
Limitation and the channel of disbursement in the absence of business limit, therefore in this way, can be lifted in above-mentioned channel of disbursement list
Channel of disbursement availability.
When APP is based on filtering policy described above, after completing filtering to the channel of disbursement in above-mentioned channel of disbursement list,
The payment success rate of each channel of disbursement in above-mentioned channel of disbursement list can further be counted；
For example, when realizing, APP can enable counter respectively on backstage for each channel of disbursement, utilize counter pair
The successful number of payment of each channel of disbursement and the number of payment failure are counted.Whenever user's request for funds is withheld, and
By the payment Tactic selection shown in Fig. 2 after channel of disbursement, APP can call the channel of disbursement to be withholdd, and then monitor
The result of withholing of the channel of disbursement；If withholing success, it can will pay successful number and add 1；Conversely, it can fail paying
Number add 1；Finally, APP can pay successfully and pay mistake by reading the counting in counter to obtain the channel of disbursement
The number lost, and then the payment success rate of the channel of disbursement can be counted.
, wherein it is desired to explanation, in actual applications, above-mentioned payment success rate can be specifically a dynamic successes
Rate.In this case, the nearest N pens branch that each channel of disbursement that APP can be counted only in above-mentioned channel of disbursement list is carried
Pay the payment success rate of transaction, the payment success rate as each channel of disbursement.
, can after the payment success rate for counting each channel of disbursement in above-mentioned channel of disbursement list continuing with referring to Fig. 2
With further and filter out in above-mentioned channel of disbursement list pay success rate be more than predetermined threshold value channel of disbursement, be then based on this
The channel of disbursement filtered out a bit creates an available channel of disbursement list；
When realizing, (ratio can be ranked up according to success rate is paid to each channel of disbursement in above-mentioned channel of disbursement list
As being ranked up from high to low), the order being then based on after sequence, filter out those payment success rates and be not up to above-mentioned default threshold
The channel of disbursement of value, now remaining channel of disbursement in the channel of disbursement list, the payment success rate as finally filtered out are big
In the channel of disbursement of predetermined threshold value；And the current channel of disbursement list, the available channel of disbursement list being as finally created that.
, wherein it is desired to explanation, the specific value size of above-mentioned predetermined threshold value, in this application without especially limit
It is fixed, in actual applications, the self-defined setting of business demand progress that those skilled in the art can be based on reality；
For example, under the higher scene of some stability requirements to channel of disbursement, above-mentioned predetermined threshold value can be set
For a higher value (such as 85%)；And under the not high scene of some stability requirements to channel of disbursement, it can incite somebody to action
Above-mentioned predetermined threshold value is arranged to a lower slightly value.
In addition, in order to lift the sensitivity of the payment success rate counted, in one implementation, if above-mentioned payment
The payment transaction that any channel of disbursement in channel list is carried, the number continuously to fail, which reaches preset times, (can be based on
The self-defined setting of demand), the payment success rate of the channel of disbursement directly can be directly disposed as 0 by APP.In this case,
Directly the channel of disbursement can be removed from above-mentioned channel of disbursement list.
In another implementation, after the payment success rate of any channel of disbursement is in preset duration, it still is below
Predetermined threshold value is stated, the payment success rate that can be now directed to the channel of disbursement carries out replacement operation, the branch by the payment into channel
Pay success rate to supplement with money as initial value so that the channel of disbursement can participate in paying decision-making again；For example, in a kind of implementation
In, a timer can be pre-set and carry out timing, after above-mentioned preset duration is reached, the payment success rate of the channel of disbursement
Predetermined threshold value still is below, now the payment success rate of the channel of disbursement can be reset to 100% so that the channel of disbursement can
To participate in paying decision-making again.
Channel of disbursement of the success rate more than above-mentioned predetermined threshold value is paid in above-mentioned channel of disbursement list when filtering out, and is based on
After these channel of disbursement are created that above-mentioned available channel of disbursement list, APP can to this based on each channel of disbursement volume rate
It is ranked up with the channel of disbursement in channel of disbursement list, is then based on the available channel of disbursement list after sequence as user's
Bank card account selects the channel of disbursement of optimal price, is withheld for carrying out fund.
For example, continuing with referring to Fig. 2, in one embodiment, can the rate based on channel of disbursement to above-mentioned payment
Channel list is ranked up according to the order of rate from low to high, then selects first payment canal in above-mentioned channel of disbursement list
Road (i.e. the minimum channel of rate), as the channel of disbursement that completion fund is withheld from the bank card account of user.So as to pass through
This mode, it can select the minimum channel of disbursement of rate on the premise of channel of disbursement stability is taken into account for user, contribute to
It is cost-effective.
After have selected channel of disbursement for the bank card account of user, withholdd unsuccessfully if based on the channel of disbursement selected
(channel of disbursement may be unavailable due to failure and other reasons), channel of disbursement list can be now can use based on this after sequence to use
The bank card account switching channel of disbursement at family；
For example, continuing with referring to Fig. 2, in one embodiment, still can the rate based on channel of disbursement to above-mentioned
Channel of disbursement list is ranked up according to the order of rate from low to high, then selects first branch in above-mentioned channel of disbursement list
Channel (i.e. the minimum channel of rate) is paid, as the channel of disbursement that completion fund is withheld from the bank card account of user.Work as base
When the minimum channel of the rate of selection withholds failure, now APP can based on the available channel list after the sequence,
Next that the channel of disbursement of the bank card account is switched in above-mentioned available channel of disbursement list by current channel of disbursement
Channel (i.e. the secondary low channel of disbursement of expense) is paid, by that analogy, until fund withholds success, or all channel of disbursement prop up
Stop when paying failure.
, wherein it is desired to, it is emphasized that by above-mentioned business be the payment transaction with multiple channel of disbursement exemplified by, it is merely illustrative
Property；Obviously, the technical scheme of the application is also equally adapted to by other business scenarios with multiple business channels, than
Such as, by all kinds of means real-name authentication scene and bank card checking scene by all kinds of means etc., are no longer arranged one by one in this application
Lift.
Wherein, when the technical scheme shown in above step 101-104 equally applies the multi-service channel in other forms
During business scenario, its specific implementation process, no longer repeated in this application, those skilled in the art are by the application's
When technical scheme is put into effect, the record of above implementation may be referred to.
For example, (needed when the technical scheme of the application is applied in real-name authentication scene by all kinds of means under some scenes
Real-name authentication is carried out to the account of user by specific channel), above-mentioned service success rate can be specifically that each real name is recognized
The certification success rate of channel is demonstrate,proved, in such a scenario, identical mode can be based on, count each real-name authentication channel in advance
Certification success rate, be then based on certification success rate filter out in each available real-name authentication channel certification success rate be more than it is default
The real-name authentication channel generation of threshold value can use channel list, be then based on rate and real-name authentication canal in channel list is can use to this
Road is ranked up, and is that user selects real-name authentication channel to complete real-name authentication according to the available channel list after sequence.
And for example, when the technical scheme of the application is applied when bank card by all kinds of means verifies scene (i.e. under some scenes
Need to verify the bank card of user by specific channel, determine identity information and the bank card account holder of user's submission
Personal information it is whether consistent), above-mentioned service success rate can be specifically it is each test card channel test card success rate, in this field
Under scape, identical mode can be based on, count in advance it is each test card channel test card success rate, be then based on testing card success rate sieve
Select it is each it is available test in card channel test card success rate more than predetermined threshold value test card channel generation can use channel list, then
It can use the card channel of testing in channel list to be ranked up this based on rate, and be target according to the available channel list after sequence
Account selection tests card channel and completes to test card.
It is visible by above example, on the one hand, because APP for the bank card account of user when selecting business channel,
The stability of business channel and the rate of business channel can be taken into account simultaneously, therefore can ensure the business channel of selection
On the premise of stability, the optimal business channel of rate is selected as far as possible for user；Such as in cost-effective upper consideration,
Can be in the available service channel that all service success rates are more than predetermined threshold value, the minimum business channel of prioritizing selection rate.
On the other hand, due to that can be target account automatically when business execution failure occurs for the business channel selected
Service switchover channel, so as to avoid being manually target account service switchover channel, completed in the case of user's unaware
The switching of business channel, help to lift Consumer's Experience.
Corresponding with above method embodiment, present invention also provides a kind of embodiment of the decision making device of business channel.
The embodiment of the decision making device of the business channel of the application can be applied on an electronic device.Device embodiment can pass through software
Realize, can also be realized by way of hardware or software and hardware combining.Exemplified by implemented in software, as on a logical meaning
Device, be to be read corresponding computer program instructions in nonvolatile memory by the processor of electronic equipment where it
Into internal memory, operation is formed.For hardware view, as shown in figure 3, the decision making device place of the business channel for the application
A kind of hardware structure diagram of electronic equipment, except the processor shown in Fig. 3, internal memory, network interface and nonvolatile memory
Outside, it is hard can also to include other generally according to the actual functional capability of the electronic equipment for the electronic equipment in embodiment where device
Part, this is repeated no more.
Fig. 4 is a kind of block diagram of the decision making device of business channel shown in the exemplary embodiment of the application one.
Fig. 4 is refer to, the decision making device 40 of the business channel can be applied in the electronic equipment shown in earlier figures 3,
Include：Enquiry module 401, screening module 402, selecting module 403 and handover module 404；
Enquiry module 401, in response to service request corresponding with target account, inquire about business canal corresponding with target account
Road；
Screening module 402, screen the business channel generation industry that service success rate in the business channel is more than predetermined threshold value
Business channel list；
Selecting module 403, the rate based on business channel are ranked up to the business channel list, and are based on after sorting
The business channel list for the target account select business channel；
Handover module 404, when performing failure based on the business channel business selected, based on the business after sequence
Channel list is the target account service switchover channel.
It is merely able in the present embodiment, the screening module 402 is further：
Before service success rate in filtering out the business channel list is more than the business channel of predetermined threshold value, based on pre-
If filtering policy the business channel in the business channel list is filtered.
In the present embodiment, the default filtering policy includes one or more the group in following filtering policy
Close：
Filter the unmatched business channel of type of service for type of service and this business supported；
The business channel of business limitation be present in filtering；
The business channel of business limit be present in filtering.
In the present embodiment, in addition to：
Statistical module 405 (not shown in Fig. 4), the business success in the screening module 402 screens the business channel
Rate is more than before the business channel generation business channel list of predetermined threshold value, counts each business canal in the business channel list
Service success rate of the service success rate of the nearest N payment transaction of road carrying as each business channel.
In the present embodiment, the statistical module 405 is further：
If the number that the payment transaction that any business channel in the business channel list is carried continuously fails reaches
To preset times, then the service success rate of the business channel is arranged to 0；And
When the service success rate of any business channel still is below the predetermined threshold value after preset duration, then by the business
The service success rate of channel is arranged to 0, and counts the service success rate of the business channel again.
In the present embodiment, the selecting module 403：
Rate based on business channel is ranked up to the business channel list according to the order of rate from low to high, and
It is that the target account selects the minimum business channel of rate based on the business channel list after sequence；
The handover module 404：
When performing failure based on the business channel business selected, by the business channel of the target account by current
Next business channel that business channel is switched in the business channel list.
The function of modules and the implementation process of effect specifically refer to and step are corresponded in the above method in said apparatus
Implementation process, it will not be repeated here.
For device embodiment, because it corresponds essentially to embodiment of the method, so related part is real referring to method
Apply the part explanation of example.Device embodiment described above is only schematical, wherein described be used as separating component
The unit of explanation can be or may not be physically separate, can be as the part that unit is shown or can also
It is not physical location, you can with positioned at a place, or can also be distributed on multiple NEs.Can be according to reality
Need to select some or all of module therein to realize the purpose of application scheme.Those of ordinary skill in the art are not paying
In the case of going out creative work, you can to understand and implement.
It is above-mentioned that the application specific embodiment is described.Other embodiments are within the scope of the appended claims.
In some cases, the action recorded in detail in the claims or step can perform according to different from the order in embodiment
And it still can realize desired result.In addition, the process described in the accompanying drawings not necessarily require the particular order that shows or
Person's consecutive order could realize desired result.In some embodiments, multitasking and parallel processing are also possible
Or it is probably favourable.
Each embodiment in the application is described by the way of progressive, identical similar part between each embodiment
Mutually referring to what each embodiment stressed is the difference with other embodiment.Especially for device, it is
For system, electronic equipment, nonvolatile computer storage media embodiment, because it is substantially similar to embodiment of the method, so
What is described is fairly simple, and the relevent part can refer to the partial explaination of embodiments of method.
As seen through the above description of the embodiments, those skilled in the art can be understood that the application reality
The mode of required general hardware platform can be added to realize by software by applying example.Based on such understanding, the embodiment of the present application
The part that technical scheme substantially contributes to prior art in other words can be embodied in the form of software product, the meter
Calculation machine software product can be stored in storage medium, such as ROM/RAM, magnetic disc, CD, including some instructions are causing one
Platform computer equipment (can be personal computer, server, or network equipment etc.) performs each implementation of the embodiment of the present application
Method described in some parts of example or embodiment.
System, device, module or the unit that above-described embodiment illustrates, it can specifically be realized by computer chip or entity,
Or realized by the product with certain function.One kind typically realizes that equipment is computer, and the concrete form of computer can
To be personal computer, laptop computer, cell phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet PC, wearable device or these equipment
The combination of any several equipment.
Each embodiment in the application is described by the way of progressive, identical similar part between each embodiment
Mutually referring to what each embodiment stressed is the difference with other embodiment.Implement especially for device
For example, because it is substantially similar to embodiment of the method, so describing fairly simple, related part is referring to embodiment of the method
Part illustrates.Device embodiment described above is only schematical, illustrates wherein described as separating component
Module can be or may not be it is physically separate, can be the work(of each module when implementing the embodiment of the present application scheme
It can be realized in same or multiple softwares and/or hardware.Part therein or complete can also be selected according to the actual needs
Portion's module realizes the purpose of this embodiment scheme.Those of ordinary skill in the art without creative efforts,
It can understand and implement.
Described above is only the embodiment of the embodiment of the present application, it is noted that for the common of the art
For technical staff, on the premise of the embodiment of the present application principle is not departed from, some improvements and modifications can also be made, these change
Enter and retouch the protection domain that also should be regarded as the embodiment of the present application.
Claims (14)
1. a kind of decision-making technique of business channel, it is characterised in that methods described includes：
In response to service request corresponding with target account, business channel corresponding with target account is inquired about；
Screen the business channel generation business channel list that service success rate in the business channel is more than predetermined threshold value；
Rate based on business channel is ranked up to the business channel list, and based on the business channel row after sequence
Table is that the target account selects business channel；And
It is the mesh based on the business channel list after sequence when performing failure based on the business channel business selected
Mark account service switchover channel.
2. according to the method for claim 1, it is characterised in that service success rate is more than in the screening business channel
Before the business channel generation business channel list of predetermined threshold value, in addition to：
The business channel in the business channel list is filtered based on default filtering policy.
3. according to the method for claim 2, it is characterised in that the default filtering policy is included in following filtering policy
One or more combination：
Filter the unmatched business channel of type of service for type of service and this business supported；
The business channel of business limitation be present in filtering；
The business channel of business limit be present in filtering.
4. according to the method for claim 1, it is characterised in that service success rate is more than in the screening business channel
Before the business channel generation business channel list of predetermined threshold value, in addition to：
The service success rate of the nearest N payment transaction of each business channel carrying in the business channel list is counted as each
The service success rate of business channel.
5. according to the method for claim 4, it is characterised in that also include：
If the number that the payment transaction that any business channel in the business channel list is carried continuously fails reaches pre-
If number, then the service success rate of the business channel is arranged to 0；And
When the service success rate of any business channel still is below the predetermined threshold value after preset duration, then by the business channel
Service success rate reset to initial value.
6. according to the method for claim 1, it is characterised in that the rate based on business channel is to the business channel
List is ranked up, and is that the target account selects business channel based on the business channel list after sequence, including：
Rate based on business channel is ranked up to the business channel list according to the order of rate from low to high, and is based on
The business channel list after sequence selects the minimum business channel of rate for the target account；
It is described when performing failure based on the business channel business selected, be institute based on the business channel list after sequence
Target account service switchover channel is stated, including：
When performing failure based on the business channel business selected, by the business channel of the target account by current business
Next business channel that channel is switched in the business channel list.
7. according to the method for claim 1, it is characterised in that the target account is payment account；The business channel
For channel of disbursement；The service success rate is payment success rate.
8. a kind of decision making device of business channel, it is characterised in that described device includes：
Enquiry module, in response to service request corresponding with target account, inquire about business channel corresponding with target account；
Screening module, screen the business channel generation business channel row that service success rate in the business channel is more than predetermined threshold value
Table；
Selecting module, the rate based on business channel are ranked up to the business channel list, and based on described in after sequence
The list of business channel is that the target account selects business channel；
Handover module, when performing failure based on the business channel business selected, based on the business channel row after sequence
Table is the target account service switchover channel.
9. device according to claim 8, it is characterised in that the screening module is further：
Before service success rate in filtering out the business channel list is more than the business channel of predetermined threshold value, based on default
Filtering policy filters to the business channel in the business channel list.
10. device according to claim 9, it is characterised in that the default filtering policy includes following filtering policy
In one or more combination：
Filter the unmatched business channel of type of service for type of service and this business supported；
The business channel of business limitation be present in filtering；
The business channel of business limit be present in filtering.
11. device according to claim 8, it is characterised in that also include：
Statistical module, service success rate is more than the business channel of predetermined threshold value in the screening module screens the business channel
Before generation business channel list, the nearest N payment transaction of each business channel carrying in the business channel list is counted
Service success rate of the service success rate as each business channel.
12. device according to claim 11, it is characterised in that the statistical module is further：
If the number that the payment transaction that any business channel in the business channel list is carried continuously fails reaches pre-
If number, then the service success rate of the business channel is arranged to 0；And
When the service success rate of any business channel still is below the predetermined threshold value after preset duration, then by the business channel
Service success rate reset to initial value.
13. device according to claim 8, it is characterised in that the selecting module：
Rate based on business channel is ranked up to the business channel list according to the order of rate from low to high, and is based on
The business channel list after sequence selects the minimum business channel of rate for the target account；
The handover module：
When performing failure based on the business channel business selected, by the business channel of the target account by current business
Next business channel that channel is switched in the business channel list.
14. device according to claim 8, it is characterised in that the target account is payment account；The business channel
For channel of disbursement；The service success rate is payment success rate.
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| 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 |
| CN109670806A (en) * | 2018-09-17 | 2019-04-23 | 平安科技（深圳）有限公司 | Account recommendation method, apparatus, terminal and computer readable storage medium |
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| CN110245934A (en) * | 2019-04-26 | 2019-09-17 | 阿里巴巴集团控股有限公司 | The recommended method and device of channel of disbursement |
| CN110335030A (en) * | 2019-06-27 | 2019-10-15 | 上海数禾信息科技有限公司 | Pay route system, method |
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| CN110728501A (en) * | 2019-09-30 | 2020-01-24 | 口碑(上海)信息技术有限公司 | Incoming part processing method and incoming part system |
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| CN111626852A (en) * | 2020-04-03 | 2020-09-04 | 中邮消费金融有限公司 | Transaction management method and transaction management system |
| CN111724249A (en) * | 2020-06-29 | 2020-09-29 | 深圳壹账通智能科技有限公司 | Intelligent fund collection method and device, electronic equipment and storage medium |
| CN112328131A (en) * | 2020-09-30 | 2021-02-05 | 北京每日优鲜电子商务有限公司 | Information display method and device, electronic equipment and computer readable medium |
| CN112232803A (en) * | 2020-10-27 | 2021-01-15 | 云账户技术(天津)有限公司 | Payment order pre-routing method and device and electronic equipment |
| 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 |
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Application publication date: 20180320 |