CN108090759A - A kind of channel of disbursement Intelligent routing algorithm - Google Patents
A kind of channel of disbursement Intelligent routing algorithm Download PDFInfo
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- CN108090759A CN108090759A CN201711437125.0A CN201711437125A CN108090759A CN 108090759 A CN108090759 A CN 108090759A CN 201711437125 A CN201711437125 A CN 201711437125A CN 108090759 A CN108090759 A CN 108090759A
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- disbursement
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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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
- G06Q10/00—Administration; Management
- G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
Abstract
Channel of disbursement Intelligent routing algorithm proposed by the present invention, is related to channel of disbursement matching process, comprises the following steps：Step 1：When the payment attribute information that user is when client carries out delivery operation, and acquisition client uploads；Step 2：The matched optimal channel of disbursement of attribute information is paid in selection in the channel routing table of payment module；Step 3：The optimal channel of disbursement of selection is returned into client, to complete payment transaction according to optimal channel of disbursement by client.The present invention passes through selection of the payment module to channel of disbursement, the channel of disbursement of most suitable current payment transaction can neatly be selected, the problem of effectively reducing the use cost of channel of disbursement, while avoiding because of the channel of disbursement of acquiescence and current transaction business mismatch, influence payment success rate.
Description
Technical field
The present invention relates to channel of disbursement matching process, especially a kind of channel of disbursement Intelligent routing algorithm.
Background technology
In the mobile interchange epoch, large, medium and small enterprise's entirety transaction size in China goes up at double, and is gradually completing under line
The transfer paid on the net is paid, therefore the online payment of enterprise is also faced with the challenge of bigger.Build enterprise-level paying centre
It is enterprise strategic transformation and the needs of business innovation.It is mainly the branch that enterprise provides electronic money that enterprise, which unifies payment and settlement platform,
It pays and clearing services.By the platform, integrating exterior channel of disbursement realizes the unified payment processing accessed by all kinds of means, Ke Yiguang
It is general to apply in the daily production of enterprise, operation, marketing, each link for being related to the allocation of the funds and payment, clearing medium after sale.
Enterprise, which unifies payment and settlement platform, to realize the integrated of the multiple operation systems of enterprises, will be scattered in each business
Internet business in system, such as Internetbank gateway, quick payment uniformly focuses on settlement platform and is handled, and can provide more
Kind of channel of disbursement, such as online payment, a variety of channel of disbursement of mobile-phone payment, currently used method for direct designated user before this
The channel of disbursement of selection completes payment transaction.But each having differences property of channel of disbursement, for example, the rate of each channel of disbursement may
It is different；The channel of disbursement selected by way of directly specifying may not be most suitable for the channel of disbursement of current transaction business, lead
Cause excessive channel of disbursement use cost.As it can be seen that channel of disbursement is selected by way of directly specifying, probably due to the branch of selection
It is not the channel of disbursement for being most suitable for current payment transaction to pay channel, causes excessive channel of disbursement use cost or even can influence
Pay success rate.
The content of the invention
In order to solve above-mentioned the deficiencies in the prior art, the present invention provides a kind of channel of disbursement Intelligent routing algorithm,
Optimal channel of disbursement is matched, improves payment success rate.
The present invention provides a kind of channel of disbursement Intelligent routing algorithm, comprises the following steps：
Step 1：When the payment attribute information that user is when client carries out delivery operation, and acquisition client uploads；
Step 2：The matched optimal channel of disbursement of attribute information is paid in selection in the channel routing table of payment module；
Step 3：The optimal channel of disbursement of selection is returned into client, to be completed by client according to optimal channel of disbursement
Payment transaction.
Preferably, step 2 payment module selects the algorithm of optimal channel of disbursement to calculate the score value of each channel
Q, score value q=alpha+beta+γ, wherein α are the definition basic values of each channel, and β represents the power obtained by sequence the channel response time
Value, γ represent the weights that channel payment success rate sequence obtains, are as follows：
Step 21：Record each channel interior average response time k per minute within one day a certain hour；
Step 22：Mark interior corresponding time shortest channel per minute, each channel response time is most in statistics one hour
Short number, and calculate all channel response time shortest total degrees；
Step 23：Each of same period that each channel recorded in 30 days pays the successful failure for recording the channel
State counts the frequency of failure on a time period, and the channel minimum to the frequency of failure is marked, and counts the frequency of failure in one hour
Minimum mark number, and calculate the minimum mark total degree of the frequency of failure；
Step 24：The frequency that the response time k minimum value of a certain hour each channel in 30 days occurs is counted, and uses probability
The probability that formula counts most fast channel of each channel response time is learned, is sorted from small to large；
Step 25：The frequency that the frequency of failure s minimum values of each channel in a certain hour in 30 days occur is counted, and with generally
Rate formula counts the probability of the channel of each channel frequency of failure, sorts from small to large；
Step 26:The highest channel of score value is calculated, which is then optimal channel of disbursement.
A kind of channel of disbursement Intelligent routing algorithm provided by the invention, its advantage are：By payment module to branch
The selection of channel is paid, the channel of disbursement of most suitable current payment transaction can be neatly selected, effectively reduce channel of disbursement
Use cost, while avoid because of the channel of disbursement of acquiescence and current transaction business mismatch, the problem of influencing to pay success rate.
Description of the drawings
Fig. 1 is present invention payment functional block diagram.
Specific embodiment
To further illustrate each embodiment, the present invention is provided with attached drawing.These attached drawings are that the invention discloses one of content
Point, mainly to illustrate embodiment, and the associated description of specification can be coordinated to explain the operation principles of embodiment.Cooperation ginseng
These contents are examined, those of ordinary skill in the art will be understood that other possible embodiments and advantages of the present invention.In figure
Component be not necessarily to scale, and similar element numbers are conventionally used to indicate similar component.
In conjunction with the drawings and specific embodiments, the present invention is further described.
As shown in Figure 1, a kind of channel of disbursement Intelligent routing algorithm that the present embodiment proposes, payment behaviour is being carried out according to user
Payment attribute information associated with current delivery operation when making, dynamically inquiry and payment in default channel routing table
The matched optimal channel of disbursement of attribute information and corresponding to the optimal channel of disbursement, payment is completed according to the optimal channel of disbursement
Business.The executive agent of the present embodiment is the payment module of server-side, and payment module is used to distribute channel of disbursement, branch for client
Module is paid there are multiple channel of disbursement, the algorithm comprises the following steps：
Step 1：When the payment attribute information that user is when client carries out delivery operation, and acquisition client uploads；
Step 2：The matched optimal channel of disbursement of attribute information is paid in selection in the channel routing table of payment module；
Step 3：The optimal channel of disbursement of selection is returned into client, to be completed by client according to optimal channel of disbursement
Payment transaction.
Wherein, payment module selects the algorithm of optimal channel of disbursement to calculate the score value q, score value q of each channel in step 2
=alpha+beta+γ, wherein α are the definition basic values of each channel, and β represents the weights obtained by sequence the channel response time, and γ is represented
The weights that channel payment success rate sequence obtains, are as follows：
Step 21：Record each channel interior average response time k per minute within one day a certain hour；
Such as：With five channel of disbursement of a, b, c, d, e, defining basic score α respectively is：10, record September 1 day 9:00-
9:Average response time k in 59 periods in each minute obtains following record：
The corresponding time of 1 five channels of table
Step 22：Mark interior corresponding time shortest channel per minute, each channel response time is most in statistics one hour
Short number, and calculate all channel response time shortest total degrees；
Such as：The note unit interval is ti (value range of i is 1-60), in unit interval ti the response time shortest be
Minkti according to the data of table 1, by the record of the shortest channel b of response time in t1, is named as mink1, statistical result is shown in Table
2.The minkti sums of each channel are in statistics t1 to t60The most short response record sum of 5 channels is
2 each channel response time of table most short statistical form
Step 23：Each of same period that each channel recorded in 30 days pays the successful failure for recording the channel
State counts the frequency of failure on a time period, and the channel minimum to the frequency of failure is marked, and counts the frequency of failure in one hour
Minimum mark number, and calculate the minimum mark total degree of the frequency of failure；
Such as：September 1 day 9:00-9:In 59 periods, five channel frequency of failure S are as shown in table 3,
3 five channel frequency of failures of table
| Date | Period | a | b | c | d | e |
| 9/1 | 9:00-10:00 | 2 | 1 | 0 | 1 | 1 |
| 9/2 | 9:00-10:00 | 0 | 1 | 2 | 3 | 2 |
| 9/3 | 9:00-10:00 | 1 | 0 | 1 | 0 | 1 |
| … | ||||||
| 9/30 | 9:00-10:00 | 0 | 2 | 1 | 3 | 2 |
It is as shown in table 4 to be converted to mark,
4 five channel frequency of failures of table at least mark
Step 24：The frequency that the response time k minimum value of a certain hour each channel in 30 days occurs is counted, and uses probability
The probability that formula counts most fast channel of each channel response time is learned, is sorted from small to large；
Such as：The probability of most fast channel is ordered as [b, e, c, a, d] from small to large, is if sequence setting weights β
10th, 9,8,7,5, the score value of b channels is that the score value of 10, e channels is 9 at this time, and so on.Then channel a in the range of 30 days,
Response time, shortest new probability formula was as follows：
Then channel b in the range of 30 days, the response time, shortest new probability formula was as follows：
And so on.
Step 25：The frequency that the frequency of failure s minimum values of each channel in a certain hour in 30 days occur is counted, and with generally
Rate formula counts the probability of the channel of each channel frequency of failure, sorts from small to large；
Such as：The probability of the channel of each channel frequency of failure sorts [c, b, d, e, a] from small to large), it is set if the sequence
It is 10,9,8,7,5 to put weights γ, and the score value of c channels is that the score value of 10, b channels is 9 at this time, and so on.
Then for channel a in 30 days, the new probability formula of frequency of failure minimum is as follows：
Then channel b in the range of 30 days, the new probability formula of frequency of failure minimum is as follows：
And so on.
Step 26:The highest channel of score value is calculated, which is then optimal channel of disbursement.
Such as：It is by response time most fast probability sorting：[b, e, c, a, d], by the minimum probability sorting of Fail Transaction number
For：[c, b, d, e, a] calculates each channel score at this time：
A channels=10+7+5=22
B channels=10+10+9=29
C channels=10+8+10=28
D channels=10+5+8=23
E channels=10+9+7=26
By this sort result, highest is divided into b channels 29 and divides, and optimal channel of disbursement is channel b.
Although specifically showing and describing the present invention with reference to preferred embodiment, those skilled in the art should be bright
In vain, do not departing from the spirit and scope of the present invention that the appended claims are limited, it in the form and details can be right
The present invention makes a variety of changes, and is protection scope of the present invention.
Claims (2)
1. a kind of channel of disbursement Intelligent routing algorithm, which is characterized in that comprise the following steps：
Step 1：When the payment attribute information that user is when client carries out delivery operation, and acquisition client uploads；
Step 2：The matched optimal channel of disbursement of attribute information is paid in selection in the channel routing table of payment module；
Step 3：The optimal channel of disbursement of selection is returned into client, to complete to pay according to optimal channel of disbursement by client
Business.
2. a kind of channel of disbursement Intelligent routing algorithm according to claim 1, which is characterized in that the step 2 pays mould
Block selects the algorithm of optimal channel of disbursement, and to calculate the score value q of each channel, score value q=alpha+beta+γ, wherein α are determining for each channel
Adopted basic value, β represent the weights obtained by sequence the channel response time, and γ represents what channel payment success rate sequence obtained
Weights are as follows：
Step 21：Record each channel interior average response time k per minute within one day a certain hour；
Step 22：Interior corresponding time shortest channel per minute is marked, it is shortest to count each channel response time in one hour
Number, and calculate all channel response time shortest total degrees；
Step 23：Each of same period that each channel recorded in 30 days pays the successful failure shape for recording the channel
State counts the frequency of failure on a time period, and the channel minimum to the frequency of failure is marked, statistics one hour in the frequency of failure most
Few mark number, and calculate the minimum mark total degree of the frequency of failure；
Step 24：The frequency that the response time k minimum value of a certain hour each channel in 30 days occurs is counted, and it is public with Probability
Formula counts the probability of most fast channel of each channel response time, sorts from small to large；
Step 25：The frequency that the frequency of failure s minimum values of each channel in a certain hour in 30 days occur is counted, and uses Probability
Formula counts the probability of the channel of each channel frequency of failure, sorts from small to large；
Step 26:The highest channel of score value is calculated, which is then optimal channel of disbursement.
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| CN201711437125.0A CN108090759A (en) | 2017-12-26 | 2017-12-26 | A kind of channel of disbursement Intelligent routing algorithm |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109191133A (en) * | 2018-08-22 | 2019-01-11 | 平安普惠企业管理有限公司 | The selection method and terminal device of channel of disbursement |
| CN110175742A (en) * | 2019-04-19 | 2019-08-27 | 平安普惠企业管理有限公司 | A kind of automatic engine shunt method, system, medium and electronic equipment |
| CN110322236A (en) * | 2019-07-09 | 2019-10-11 | 四川长虹电器股份有限公司 | Payment system |
| CN110969528A (en) * | 2018-09-29 | 2020-04-07 | 重庆小雨点小额贷款有限公司 | Transaction channel routing method, device, server and computer storage medium |
| CN111612442A (en) * | 2020-05-28 | 2020-09-01 | 杭州一骑轻尘信息技术有限公司 | Payment route configuration method, device and system |
| CN113610516A (en) * | 2021-07-30 | 2021-11-05 | 北京达佳互联信息技术有限公司 | Payment channel display method and device, electronic equipment and storage medium |
| CN113660166A (en) * | 2021-08-17 | 2021-11-16 | 中国工商银行股份有限公司 | Transaction routing control method and device, electronic equipment and storage medium |
| CN115129402A (en) * | 2022-08-31 | 2022-09-30 | 云账户技术(天津)有限公司 | Channel resource calling method and device and computer storage medium |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109191133A (en) * | 2018-08-22 | 2019-01-11 | 平安普惠企业管理有限公司 | The selection method and terminal device of channel of disbursement |
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| CN110969528A (en) * | 2018-09-29 | 2020-04-07 | 重庆小雨点小额贷款有限公司 | Transaction channel routing method, device, server and computer storage medium |
| CN110175742A (en) * | 2019-04-19 | 2019-08-27 | 平安普惠企业管理有限公司 | A kind of automatic engine shunt method, system, medium and electronic equipment |
| CN110322236A (en) * | 2019-07-09 | 2019-10-11 | 四川长虹电器股份有限公司 | Payment system |
| CN111612442A (en) * | 2020-05-28 | 2020-09-01 | 杭州一骑轻尘信息技术有限公司 | Payment route configuration method, device and system |
| CN113610516A (en) * | 2021-07-30 | 2021-11-05 | 北京达佳互联信息技术有限公司 | Payment channel display method and device, electronic equipment and storage medium |
| CN113660166A (en) * | 2021-08-17 | 2021-11-16 | 中国工商银行股份有限公司 | Transaction routing control method and device, electronic equipment and storage medium |
| CN115129402A (en) * | 2022-08-31 | 2022-09-30 | 云账户技术(天津)有限公司 | Channel resource calling method and device and computer storage medium |
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Application publication date: 20180529 |