CN108022087A - payment data processing method, device, storage medium and computer equipment - Google Patents
payment data processing method, device, storage medium and computer equipment Download PDFInfo
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- CN108022087A CN108022087A CN201711174197.0A CN201711174197A CN108022087A CN 108022087 A CN108022087 A CN 108022087A CN 201711174197 A CN201711174197 A CN 201711174197A CN 108022087 A CN108022087 A CN 108022087A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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Abstract
The present invention relates to a kind of payment data processing method, device, storage medium and computer equipment, the described method includes：Payment request is received, merchant identification and Transaction Information are carried in the payment request；When there is no during specified channel of disbursement corresponding with the merchant identification, obtaining the corresponding current channel information of the merchant identification according to the merchant identification and channel screen factor precedence information；The channel of disbursement of highest priority is filtered out as current goal channel of disbursement according to the current channel information and channel screening factor precedence information；Deducted fees request according to Transaction Information generation first, the described first request of deducting fees is sent to the corresponding banking system of the current goal channel of disbursement so that the corresponding banking system progress fee deduction treatment of the current goal channel of disbursement.The present invention can improve payment success rate.
Description
Technical field
The present invention relates to internet payment technical field, more particularly to a kind of payment data processing method, device, storage
Medium and computer equipment.
Background technology
With the rapid development of Internet technology, the means of payment is risen gradually on the line based on Internet technology, is propped up on line
Pay and be normally based on what various channel of disbursement were realized, such as Alipay is paid, wechat is paid, Unionpay pays, due to being paid on line
Have the characteristics that quick and easy, favored be subject to more and more consumers and trade company.
In conventional art, trade company polymerize payment platform often through third party is directly accessed, and is polymerize using third party and paid
The payment of platform is route to realize the allocation of the funds, but routing rule, as set by third party, part third party is according only to channel
Service charge etc. screened, the situation of Channel of Downstream is not monitored, when Channel of Downstream is abnormal, it will cause transaction to be lost
Lose, therefore, it is not high to pay success rate.
The content of the invention
Based on this, it is necessary to for above-mentioned technical problem, there is provided a kind of payment data processing method, device, storage medium
And computer equipment, to improve payment success rate.
A kind of payment data processing method, the described method includes：
Payment request is received, merchant identification and Transaction Information are carried in the payment request；
When there is no during specified channel of disbursement corresponding with the merchant identification, the business is obtained according to the merchant identification
The corresponding current channel information of family mark and channel screening factor precedence information；
The payment canal of highest priority is filtered out according to the current channel information and channel screening factor precedence information
Road is as current goal channel of disbursement；
Deducted fees request according to Transaction Information generation first, request transmission is deducted fees to the current goal by described first
The corresponding banking system of channel of disbursement is so that the corresponding banking system of the current goal channel of disbursement carries out fee deduction treatment.
In one of the embodiments, merchant identification and Transaction Information are carried in the payment request to be included afterwards：
When there is specified channel of disbursement corresponding with the merchant identification, using the specified channel of disbursement as current mesh
Mark channel of disbursement；
Deducted fees request according to Transaction Information generation second, request transmission is deducted fees to the current goal by described second
The corresponding banking system of channel of disbursement is so that the corresponding banking system of the current goal channel of disbursement carries out fee deduction treatment.
In one of the embodiments, the current channel information includes channel stability, the reception payment request, institute
Include before stating the step of merchant business mark and Transaction Information are carried in payment request：
It is spaced the intermediate state order volume that preset time period obtains each channel of disbursement；
The corresponding channel stability of each channel is updated according to the intermediate state order volume.
In one of the embodiments, it is described according to the current channel information and channel screening factor precedence information sieve
Select the channel of disbursement of highest priority includes as the step of current goal channel of disbursement：
According to the corresponding transaction amount of the Transaction Information, the channel of disbursement collection that quota limit includes transaction amount is filtered out
Close；
The channel for obtaining highest priority screens the factor as the object filtering factor, according to the object filtering factor pair institute
State each channel of disbursement in channel of disbursement set and carry out priority ranking；
The channel of disbursement of highest priority is selected as current goal channel of disbursement.
In one of the embodiments, the channel of disbursement of the selection highest priority is as current goal channel of disbursement
Further included after step：
Judge whether the target channel of disbursement is available channel of disbursement；
If it is not, the corresponding channel of disbursement of next priority is then selected as current goal channel of disbursement.
A kind of payment data processing unit, described device include：
Payment request receiving module, for receiving payment request, carries merchant identification and transaction is believed in the payment request
Breath；
Data obtaining module, for when there is no during specified channel of disbursement corresponding with the merchant identification, according to described
Merchant identification obtains the corresponding current channel information of the merchant identification and channel screening factor precedence information；
Channel of disbursement screening module, for according to the current channel information and channel screening factor precedence information screening
Go out the channel of disbursement of highest priority as current goal channel of disbursement；
First deducts fees request sending module, for being deducted fees request according to Transaction Information generation first, by described first
Request of deducting fees is sent to the corresponding banking system of the current goal channel of disbursement so that the current goal channel of disbursement pair
The banking system answered carries out fee deduction treatment.
In one of the embodiments, the current channel information includes channel stability, and described device further includes：
Intermediate state order volume acquisition module, the intermediate state order of each channel of disbursement is obtained for being spaced preset time period
Amount；
Channel stability update module, stablizes for updating the corresponding channel of each channel according to the intermediate state order volume
Property.
In one of the embodiments, the channel of disbursement screening module includes：
Screening unit, for according to the corresponding transaction amount of the Transaction Information, filtering out quota limit and including trade gold
The channel of disbursement set of volume；
Priority ranking unit, the channel for obtaining highest priority screen the factor as the object filtering factor, according to
Each channel of disbursement carries out priority ranking in channel of disbursement set described in the object filtering factor pair；
Selecting unit, for selecting the channel of disbursement of highest priority as current goal channel of disbursement.
A kind of computer-readable recording medium, is stored with computer program on the computer-readable recording medium, described
When computer program is executed by processor so that the processor performs the step described in above-mentioned payment data processing method.
A kind of computer equipment, the computer equipment include memory and processor, meter are stored in the memory
Calculation machine program, when the computer program is performed by the processor so that the processor performs above-mentioned payment data processing
Step described in method.
Above-mentioned payment data processing method, device, storage medium and computer equipment, Third-party payment platform are receiving
After payment request, the merchant identification in payment request obtains corresponding current channel information and channel screening factor priority
Information, and optimal channel of disbursement is filtered out as current goal according to current channel information and channel screening factor precedence information
Channel of disbursement, then sends first to the corresponding banking system of the current goal channel of disbursement and deducts fees request so that described work as
The corresponding banking system of preceding target channel of disbursement carries out fee deduction treatment, since what is selected every time is all optimal channel of disbursement, effectively
The Fail Transaction caused by channel exception must be avoided, so as to improve payment success rate.
Brief description of the drawings
Fig. 1 is the applied environment figure of payment data processing method in one embodiment；
Fig. 2 is the flow chart of payment data processing method in one embodiment；
Fig. 3 is the flow chart of payment data processing method in another embodiment；
Fig. 4 is the flow chart of payment data processing method in another embodiment；
Fig. 5 is the step flow chart that current goal channel of disbursement is screened in one embodiment；
Fig. 6 is the step flow chart that current goal channel of disbursement is screened in another embodiment；
Fig. 7 is the structure diagram of payment data processing unit in one embodiment；
Fig. 8 is the structure diagram of payment data processing unit in another embodiment；
Fig. 9 is the structure diagram of payment data processing unit in another embodiment；
Figure 10 is the structure diagram of channel of disbursement screening module in one embodiment；
Figure 11 is the cut-away view of server in one embodiment.
Embodiment
In order to make the foregoing objectives, features and advantages of the present invention clearer and more comprehensible, below in conjunction with the accompanying drawings to the present invention
Embodiment be described in detail.Many details are elaborated in the following description in order to fully understand this hair
It is bright.But the invention can be embodied in many other ways as described herein, those skilled in the art can be not
Similar improvement is done in the case of running counter to intension of the present invention, therefore the present invention is not limited to the specific embodiments disclosed below.
Unless otherwise defined, all of technologies and scientific terms used here by the article is with belonging to technical field of the invention
The normally understood implication of technical staff is identical.Term used in the description of the invention herein is intended merely to description tool
The purpose of the embodiment of body, it is not intended that the limitation present invention.
Fig. 1 is the applied environment figure of the payment data processing method provided in one embodiment, as shown in Figure 1, should at this
With in environment, including merchant tenninal 110, merchant server 120, Third-party payment platform 130, wherein, what merchant tenninal 110 referred to
It is terminal used in the corresponding client of trade company, merchant server 120 refers to providing the backstage of service, trade company for merchant tenninal
Terminal 110 can be connected with merchant server 120 by way of the wireless communications such as network, Third-party payment platform 130 and business
Family server 120 is connected by way of the wireless communications such as network, and payment services are provided for merchant server 120.
In one embodiment, as shown in Figure 2, there is provided a kind of payment data processing method, in this way applied to Fig. 1
In Third-party payment platform exemplified by illustrate, including：
Step S210, receives payment request, merchant identification and Transaction Information is carried in payment request.
Specifically, merchant identification is used for unique mark merchant identification, by the numeral of presetting digit capacity, letter or other special symbols
Number wait composition, wherein, trade company refers to beneficiary.Transaction Information includes the information such as transaction amount, payment account number.
In the present embodiment, merchant server is put down after the payment instruction of merchant tenninal transmission is received to Third-party payment
Platform sends payment request, after Third-party payment platform receives the payment request, is marked according to the trade company carried in the payment request
Know, search whether there is specified channel of disbursement corresponding with the merchant identification from database, if it is not, then entering step S220.
Step S220, when there is no during specified channel of disbursement corresponding with merchant identification, trade company is obtained according to merchant identification
Identify corresponding current channel information and channel screening factor precedence information.
Specifically, specified channel of disbursement refers to trade company's channel of disbursement set in advance, this specifies channel of disbursement can be by business
Family is modified or deletes according to the demand of oneself.
In the present embodiment, when Third-party payment platform is judged specified channel of disbursement corresponding with merchant identification is not present
When, the corresponding current channel information of the merchant identification is obtained from database according to the merchant identification and the channel screening factor is excellent
First level information.Wherein, the channel mark of current channel information including the corresponding all channel of disbursement of merchant identification, channel title,
Service charge, channel stability, channel security, channel priority, to account duration, channel trading limit, whether have particular arrangement
Etc. information.Specifically, channel stability and security can be represented with 1-10, numeral is bigger, and stability and security are higher, its
In, whether security occurred stealing whether card time, user information leakage event, or channel have carry out risk control according to channel
And its air control ability etc. is judged；Channel priority refers to using sequentially for each channel that trade company is previously set；
Whether there is feature configuration to refer to whether channel needs to open particular service, such as open and paid without card or on-line payment, can be with
Particular arrangement is indicated with Y, and N indicates no particular arrangement.
The channel screening factor include service charge, channel stability, channel security, channel priority, to account duration, channel
Whether trading limit, have one or more of particular arrangement, and channel screening factor precedence information refers to set in advance
The priority of each channel screening factor, is service charge, channel stability such as when channel screens the factor, and priority ranking is
When service charge is more than channel stability, then the minimum channel of disbursement of prioritizing selection service charge, when there are two service charges are identical
During minimum channel of disbursement, the high channel of disbursement of stability is selected.
Step S230, the branch of highest priority is filtered out according to current channel information and channel screening factor precedence information
Channel is paid as current goal channel of disbursement.
Specifically, the channel of disbursement of highest priority is according to the setting of trade company, can be according to the screening of some channel because
The channel of disbursement that son filters out, such as filters out the minimum channel of disbursement of service charge or root according only to service charge priority
The channel of disbursement gone out according to multiple support channels screening factor screening, the branch such as filtered out according to service charge priority and stability priority
Pay channel.
Step S240, deducts fees request according to Transaction Information generation first, and request transmission is deducted fees to current goal branch by first
The corresponding banking system of channel is paid so that the corresponding banking system of current goal channel of disbursement carries out fee deduction treatment.
Specifically, Third-party payment platform is deducted fees request according to Transaction Information generation first, and then this first is deducted fees and asked
Ask transmission to the corresponding banking system of current channel of disbursement, wherein, first deduct fees request in include at least Transaction Information in branch
The amount of money and payment account number information are paid, after banking system receives request of deducting fees, carries out fee deduction treatment, and return to the sound of fee deduction treatment
Information is answered, response message can be deduct fees successful information or failure information of deducting fees.
In one embodiment, when banking system returns to the response message for failure of deducting fees, next priority is selected to correspond to
Channel of disbursement as current goal channel of disbursement, and send first to current goal channel of disbursement and deduct fees request.
Above-mentioned payment data processing method, Third-party payment platform is after payment request is received, according to payment request
In merchant identification obtain corresponding current channel information and channel screening factor precedence information, and according to current channel information
Optimal channel of disbursement is filtered out as current goal channel of disbursement with channel screening factor precedence information, then to current goal
The corresponding banking system of channel of disbursement send first deduct fees request so that the corresponding banking system of current goal channel of disbursement into
Row fee deduction treatment is effective to avoid mistake of merchandising caused by channel exception since what is selected every time is all optimal channel of disbursement
Lose, so as to improve payment success rate.
In one embodiment, as shown in figure 3, receiving payment request, merchant identification is carried in payment request and transaction is believed
Include after breath：
Step S310, when there is specified channel of disbursement corresponding with merchant identification, using specified channel of disbursement as current
Target channel of disbursement.
Step S320, deducts fees request according to Transaction Information generation second, and request transmission is deducted fees to current goal branch by second
The corresponding banking system of channel is paid so that the corresponding banking system of current goal channel of disbursement carries out fee deduction treatment.
Specifically, Third-party payment platform is judged whether with being carried in payment request after payment request is received
The corresponding specified channel of disbursement of pay mark, if in the presence of specified channel of disbursement is appointed as current goal channel of disbursement.Its
In, specified channel of disbursement can be deleted or changed according to the demand of trade company.
In one embodiment, when channel of disbursement that trade company specifies is abnormal or the corresponding banking system of specified channel of disbursement
Return when paying failure information, automatically into step S220, the channel of disbursement for filtering out highest priority is completed to pay, avoid by
Cause Fail Transaction extremely in channel.
In one embodiment, as shown in figure 4, current channel information includes channel stability, payment request is received, is paid
Include before the step of merchant business mark and Transaction Information are carried in request：
Step S250, interval preset time period obtain the intermediate state order volume of each channel of disbursement.
Specifically, intermediate state order volume refers to the quantity of intermediate state order, wherein, intermediate state order refers to not knowing also
The order of road end-state, end-state include merchandising successfully and Fail Transaction.
In the present embodiment, Third-party payment platform is monitored the intermediate state order of each channel, at interval of default
Time counts once each channel intermediate state order volume, and record statistical result and preserve into database, wherein, preset time can
It is configured according to service feature.In one embodiment, preset time is defaulted as 5 minutes.
Step S260, updates the corresponding channel stability of each channel according to intermediate state order volume.
Specifically, Third-party payment platform analyzes statistical result, if the intermediate state order volume of some channel surpasses
Certain threshold value is crossed, being then probably that channel is unstable causes.
In one embodiment, threshold value can be divided two ranks：S1 and S2.When intermediate state order volume exceed S1, then
Reduce channel stability；When the order volume of intermediate state is less than S1 more than S2, then it is relatively 30 minutes front and rear in intermediate state order volume
Variation tendency, if do not declined always in ascendant trend or intermediate state order volume, reduces channel stability；If intermediate state
Order volume is gradually reduced, then is not required to change.
What deserves to be explained is S1 and S2 can be set dynamically according to business feature.In one embodiment, S1=is given tacit consent to
200, S2=50.
It is appreciated that since current channel information includes channel stability, when channel stability updates, current channel
Information also correspondingly updates.
In the present embodiment, by the way that the intermediate state order volume of each channel is monitored and is updated, it is possible to prevente effectively from
The Fail Transaction caused by channel is unstable, so as to improve transaction success rate.
In one embodiment, as shown in figure 5, according to current channel information and channel screening factor precedence information screening
Go out the channel of disbursement of highest priority includes as the step of current goal channel of disbursement：
Step S231, according to the corresponding transaction amount of Transaction Information, filters out the payment that quota limit includes transaction amount
Channel set.
Specifically, the corresponding transaction amount of Third-party payment platform verification payment request whether each channel of disbursement limit
In the range of volume (including minimum and ceiling), so as to filter out the channel of disbursement of excess.
Step S232, obtains the channel screening factor of highest priority as the object filtering factor, according to object filtering because
Son carries out priority ranking to each channel of disbursement in channel of disbursement set.
Step S233, selects the channel of disbursement of highest priority as current goal channel of disbursement.
Specifically, the priority of the channel screening factor can be set dynamically according to their needs by trade company, third party's branch
Pay platform and factor conduct is screened according to the channel of the channel screening factor precedence information selection highest priority pre-set
The object filtering factor, then carries out priority ranking according to each channel of disbursement of object filtering factor pair.
It is appreciated that when object filtering is because of being service charge, the minimum channel of disbursement of prioritizing selection service charge；Work as target
The screening factor pays the utmost attention to the channel of disbursement of channel highest priority when being channel priority；When the object filtering factor is security
When the safe channel of disbursement of prioritizing selection；When the object filtering factor is stability priority, prioritizing selection stability is high
Channel of disbursement；The channel of disbursement of length when prioritizing selection is to account when the object filtering factor is to account duration；In addition, work as some canal
When road needs to open particular service, its priority is lowermost level.
Further, the channel of disbursement of Third-party payment platform selection highest priority is as target channel of disbursement.
In one embodiment, as shown in fig. 6, step of the channel of disbursement of selection highest priority as target channel of disbursement
Further included after rapid：
Step S235, judges whether target channel of disbursement is available channel of disbursement；
Step S236, if it is not, then selecting the corresponding channel of disbursement of next priority as current goal channel of disbursement.
Specifically, when the difference of the stability between any two channel of disbursement is more than 3, then it can determine whether that the two pay canal
The low side's channel of disbursement of stability is unavailable in road.When target channel of disbursement is unavailable, Third-party payment platform is selected automatically
The corresponding channel of disbursement of next priority is selected as current goal channel of disbursement, is caused so as to avoid because channel of disbursement is unavailable
Payment failure, further improve payment success rate.
In one embodiment, as shown in fig. 7, additionally providing a kind of payment data processing unit 700, which includes：
Payment request receiving module 702, for receiving payment request, carries merchant identification and transaction is believed in payment request
Breath；
Data obtaining module 704, for when there is no during specified channel of disbursement corresponding with merchant identification, being marked according to trade company
Know and obtain the corresponding current channel information of merchant identification and channel screening factor precedence information；
Channel of disbursement screening module 706, for according to current channel information and channel screening factor precedence information screening
Go out the channel of disbursement of highest priority as current goal channel of disbursement；
First deducts fees request sending module 708, for being deducted fees request according to Transaction Information generation first, first is deducted fees and is asked
Ask transmission to the corresponding banking system of current goal channel of disbursement so that the corresponding banking system of current goal channel of disbursement into
Row fee deduction treatment.
In one embodiment, as shown in figure 8, above device further includes：
Channel of disbursement determining module 710, when there is specified channel of disbursement corresponding with merchant identification, by specified payment canal
Road is as current goal channel of disbursement；
Second deducts fees request sending module 712, for being deducted fees request according to Transaction Information generation second, second is deducted fees and is asked
Ask transmission to the corresponding banking system of current goal channel of disbursement so that the corresponding banking system of current goal channel of disbursement into
Row fee deduction treatment.
In one embodiment, as shown in figure 9, current channel information includes channel stability, above device further includes：
Intermediate state order volume acquisition module 714, the intermediate state that each channel of disbursement is obtained for being spaced preset time period are ordered
Dan Liang；
Channel stability update module 716, stablizes for updating the corresponding channel of each channel according to intermediate state order volume
Property.
In one embodiment, as shown in Figure 10, channel of disbursement screening module 706 includes：
Screening unit 706A, for according to the corresponding transaction amount of Transaction Information, filtering out quota limit and including trade gold
The channel of disbursement set of volume；
Priority ranking unit 706B, the channel for obtaining highest priority screen the factor as the object filtering factor,
Priority ranking is carried out according to each channel of disbursement in object filtering factor pair channel of disbursement set；
Selecting unit 706C, for selecting the channel of disbursement of highest priority as target channel of disbursement.
In one embodiment, above-mentioned channel of disbursement screening module 706 be additionally operable to judge target channel of disbursement whether be can
With channel of disbursement, if it is not, then selecting the corresponding channel of disbursement of next priority as current goal channel of disbursement.
As shown in figure 11, it is the cut-away view of one embodiment Computer equipment, which can be used for real
Existing above-mentioned Third-party payment platform.The computer equipment connects bus couple processor by system, non-volatile memories are situated between
Matter, built-in storage and network interface.Wherein, the non-volatile memory medium of the computer equipment can storage program area and calculating
Machine readable instruction, the computer-readable instruction are performed, and may be such that processor performs a kind of payment data processing method.The meter
The processor for calculating machine equipment is used to provide calculating and control ability, supports the operation of whole computer equipment.In the built-in storage
Computer-readable instruction can be stored, when which is executed by processor, may be such that processor performs a kind of branch
Pay data processing method.The network interface of computer equipment is used to carry out network service, such as receives VoP, sends and stops
Control instruction etc..It will be understood by those skilled in the art that the structure shown in Figure 11, only with the relevant portion of application scheme
The block diagram of separation structure, does not form the restriction for the computer equipment being applied thereon to application scheme, specific computer
Equipment can include, than more or fewer components shown in figure, either combining some components or having different component cloth
Put.
In one embodiment, there is provided a kind of computer equipment, including memory and processor, store in memory
Computer program, when computer program is executed by processor so that processor realizes following steps：Payment request is received, is paid
Merchant identification and Transaction Information are carried in request；When there is no during specified channel of disbursement corresponding with merchant identification, according to trade company
Mark obtains the corresponding current channel information of merchant identification and channel screening factor precedence information；According to current channel information and
Channel screening factor precedence information filters out the channel of disbursement of highest priority as current goal channel of disbursement；According to transaction
Information generation first is deducted fees request, deduct fees request transmission to the corresponding banking system of current goal channel of disbursement by first so that
The corresponding banking system of current goal channel of disbursement carries out fee deduction treatment.
In one embodiment, when computer program is executed by processor so that processor is realizing reception payment request,
Merchant identification is carried in payment request and Transaction Information also realizes following steps afterwards：It is corresponding with merchant identification specified when existing
During channel of disbursement, using specified channel of disbursement as current goal channel of disbursement；Deducted fees request according to Transaction Information generation second, general
Second deducts fees request transmission to the corresponding banking system of current goal channel of disbursement so that current goal channel of disbursement is corresponding
Banking system carries out fee deduction treatment.
In one embodiment, current channel information includes channel stability, when computer program is executed by processor, makes
Obtain processor and realizing that the step of receiving payment request, merchant business mark and Transaction Information are carried in payment request is also real before
Existing following steps：It is spaced the intermediate state order volume that preset time period obtains each channel of disbursement；Updated according to intermediate state order volume
The corresponding channel stability of each channel.
In one embodiment, priority is filtered out most according to current channel information and channel screening factor precedence information
High channel of disbursement as current goal channel of disbursement, including：According to the corresponding transaction amount of Transaction Information, limit model is filtered out
Enclose the channel of disbursement set for including transaction amount；The channel for obtaining highest priority screens the factor as the object filtering factor, root
Priority ranking is carried out according to each channel of disbursement in object filtering factor pair channel of disbursement set；Select the payment of highest priority
Channel is as current goal channel of disbursement.
In one embodiment, when computer program is executed by processor so that processor is realizing selection priority most
Following steps are also realized after the step of high channel of disbursement is as current goal channel of disbursement：Whether judge target channel of disbursement
To can use channel of disbursement；If it is not, the corresponding channel of disbursement of next priority is then selected as current goal channel of disbursement.
In one embodiment, there is provided a kind of computer-readable recording medium, is stored thereon with computer program, calculates
When machine program is executed by processor so that processor realizes following steps：Payment request is received, trade company's mark is carried in payment request
Knowledge and Transaction Information；When there is no during specified channel of disbursement corresponding with merchant identification, merchant identification is obtained according to merchant identification
Corresponding current channel information and channel screening factor precedence information；It is preferential according to current channel information and the channel screening factor
Level information sifting goes out the channel of disbursement of highest priority as current goal channel of disbursement；Deducted fees according to Transaction Information generation first
Request, request transmission is deducted fees to the corresponding banking system of current goal channel of disbursement so that current goal channel of disbursement by first
Corresponding banking system carries out fee deduction treatment.
In one embodiment, when computer program is executed by processor so that processor is realizing reception payment request,
Merchant identification is carried in payment request and Transaction Information also realizes following steps afterwards：It is corresponding with merchant identification specified when existing
During channel of disbursement, using specified channel of disbursement as current goal channel of disbursement；Deducted fees request according to Transaction Information generation second, general
Second deducts fees request transmission to the corresponding banking system of current goal channel of disbursement so that current goal channel of disbursement is corresponding
Banking system carries out fee deduction treatment.
In one embodiment, current channel information includes channel stability, when computer program is executed by processor, makes
Obtain processor and realizing that the step of receiving payment request, merchant business mark and Transaction Information are carried in payment request is also real before
Existing following steps：It is spaced the intermediate state order volume that preset time period obtains each channel of disbursement；Updated according to intermediate state order volume
The corresponding channel stability of each channel.
In one embodiment, priority is filtered out most according to current channel information and channel screening factor precedence information
High channel of disbursement as current goal channel of disbursement, including：According to the corresponding transaction amount of Transaction Information, limit model is filtered out
Enclose the channel of disbursement set for including transaction amount；The channel for obtaining highest priority screens the factor as the object filtering factor, root
Priority ranking is carried out according to each channel of disbursement in object filtering factor pair channel of disbursement set；Select the payment of highest priority
Channel is as current goal channel of disbursement.
In one embodiment, when computer program is executed by processor so that processor is realizing selection priority most
Following steps are also realized after the step of high channel of disbursement is as current goal channel of disbursement：Whether judge target channel of disbursement
To can use channel of disbursement；If it is not, the corresponding channel of disbursement of next priority is then selected as current goal channel of disbursement.
One of ordinary skill in the art will appreciate that realize all or part of flow in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, it is readable which can be stored in a non-volatile computer
Take in storage medium, the program is upon execution, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, the storage
Medium can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope that this specification is recorded all is considered to be.
Embodiment described above only expresses the several embodiments of the present invention, its description is more specific and detailed, but simultaneously
Cannot therefore it be construed as limiting the scope of the patent.It should be pointed out that come for those of ordinary skill in the art
Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention
Scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of payment data processing method, the described method includes：
Payment request is received, merchant identification and Transaction Information are carried in the payment request；
When there is no during specified channel of disbursement corresponding with the merchant identification, according to merchant identification acquisition, the trade company marks
Know corresponding current channel information and channel screening factor precedence information；
The channel of disbursement that highest priority is filtered out according to the current channel information and channel screening factor precedence information is made
For current goal channel of disbursement；
Deducted fees request according to Transaction Information generation first, the described first request of deducting fees is sent to current goal payment
The corresponding banking system of channel is so that the corresponding banking system of the current goal channel of disbursement carries out fee deduction treatment.
2. according to the method described in claim 1, it is characterized in that, the reception payment request, carried in the payment request
Include after merchant identification and Transaction Information：
When there is specified channel of disbursement corresponding with the merchant identification, using the specified channel of disbursement as current goal branch
Pay channel；
Deducted fees request according to Transaction Information generation second, the described second request of deducting fees is sent to current goal payment
The corresponding banking system of channel is so that the corresponding banking system of the current goal channel of disbursement carries out fee deduction treatment.
It is 3. described according to the method described in claim 1, it is characterized in that, the current channel information includes channel stability
Include before the step of receiving payment request, merchant business mark and Transaction Information are carried in the payment request：
It is spaced the intermediate state order volume that preset time period obtains each channel of disbursement；
The corresponding channel stability of each channel is updated according to the intermediate state order volume.
4. according to the method described in claim 1, it is characterized in that, it is described according to the current channel information and channel screening because
The channel of disbursement that sub- precedence information filters out highest priority includes as the step of current goal channel of disbursement：
According to the corresponding transaction amount of the Transaction Information, the channel of disbursement set that quota limit includes transaction amount is filtered out；
The channel screening factor of highest priority is obtained as the object filtering factor, the branch according to the object filtering factor pair
Pay each channel of disbursement in channel set and carry out priority ranking；
The channel of disbursement of highest priority is selected as current goal channel of disbursement.
5. according to the method described in claim 4, it is characterized in that, the channel of disbursement of the selection highest priority is as current
Further included after the step of target channel of disbursement：
Judge whether the target channel of disbursement is available channel of disbursement；
If it is not, the corresponding channel of disbursement of next priority is then selected as current goal channel of disbursement.
6. a kind of payment data processing unit, it is characterised in that described device includes：
Payment request receiving module, for receiving payment request, merchant identification and Transaction Information are carried in the payment request；
Data obtaining module, for when there is no during specified channel of disbursement corresponding with the merchant identification, according to the trade company
Mark obtains the corresponding current channel information of the merchant identification and channel screening factor precedence information；
Channel of disbursement screening module, it is excellent for being filtered out according to the current channel information and channel screening factor precedence information
The first highest channel of disbursement of level is as current goal channel of disbursement；
First deducts fees request sending module, and for being deducted fees request according to Transaction Information generation first, described first is deducted fees
Request is sent to the corresponding banking system of the current goal channel of disbursement so that the current goal channel of disbursement is corresponding
Banking system carries out fee deduction treatment.
7. device according to claim 6, it is characterised in that the current channel information includes channel stability, described
Device further includes：
Intermediate state order volume acquisition module, the intermediate state order volume of each channel of disbursement is obtained for being spaced preset time period；
Channel stability update module, for updating the corresponding channel stability of each channel according to the intermediate state order volume.
8. device according to claim 6, it is characterised in that the channel of disbursement screening module includes：
Screening unit, for according to the corresponding transaction amount of the Transaction Information, filtering out quota limit and including transaction amount
Channel of disbursement set；
Priority ranking unit, the channel for obtaining highest priority screens the factor as the object filtering factor, according to described
Each channel of disbursement carries out priority ranking in channel of disbursement set described in object filtering factor pair；
Selecting unit, for selecting the channel of disbursement of highest priority as current goal channel of disbursement.
9. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the program is held by processor
The payment data processing method as any one of claim 1 to 5 is realized during row.
10. a kind of computer equipment, the computer equipment includes memory, processor and is stored on the memory and can
The computer program run on the processor, it is characterised in that the processor is realized when performing the computer program
Payment data processing method as any one of claim 1 to 5.
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| CN201711174197.0A CN108022087A (en) | 2017-11-22 | 2017-11-22 | payment data processing method, device, storage medium and computer equipment |
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|---|---|---|---|
| CN201711174197.0A CN108022087A (en) | 2017-11-22 | 2017-11-22 | payment data processing method, device, storage medium and computer equipment |
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| CN201711174197.0A Pending CN108022087A (en) | 2017-11-22 | 2017-11-22 | payment data processing method, device, storage medium and computer equipment |
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| CN109087077A (en) * | 2018-07-05 | 2018-12-25 | 福建天晴数码有限公司 | It is a kind of to distribute method of payment and terminal by all kinds of means |
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| CN113781202A (en) * | 2021-08-24 | 2021-12-10 | 上海数禾信息科技有限公司 | Data processing method, data processing device, computer equipment and storage medium |
| CN113781202B (en) * | 2021-08-24 | 2024-04-12 | 上海数禾信息科技有限公司 | Data processing method, device, computer equipment and storage medium |
| CN114928563A (en) * | 2022-05-27 | 2022-08-19 | 江苏苏宁银行股份有限公司 | Distributed channel automatic switching method and storage medium |
| CN115204853A (en) * | 2022-05-27 | 2022-10-18 | 北京结慧科技有限公司 | Settlement processing method and device, computer equipment and medium |
| CN115170099A (en) * | 2022-09-08 | 2022-10-11 | 国网汇通金财（北京）信息科技有限公司 | Payment channel determining method and system |
| CN115170099B (en) * | 2022-09-08 | 2022-12-20 | 国网汇通金财（北京）信息科技有限公司 | Payment channel determination method and system |
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