CN108399195A - The recommendation method and device of channel of disbursement - Google Patents
The recommendation method and device of channel of disbursement Download PDFInfo
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- CN108399195A CN108399195A CN201810085646.2A CN201810085646A CN108399195A CN 108399195 A CN108399195 A CN 108399195A CN 201810085646 A CN201810085646 A CN 201810085646A CN 108399195 A CN108399195 A CN 108399195A
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/953—Querying, e.g. by the use of web search engines
- G06F16/9535—Search customisation based on user profiles and personalisation
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
Abstract
A kind of recommendation method for channel of disbursement that the embodiment that this specification discloses provides.This method includes：First, it is asked in response to the delivery operation of user, determines optional multiple channel of disbursement corresponding with delivery operation request.Then, acquisition and the relevant at least one characterization factor of multiple channel of disbursement, and determine that each channel of disbursement is corresponding to the recommender score of each characterization factor in multiple channel of disbursement.Then, according to recommender score, the recommendation total score of each channel of disbursement is determined, and according to total score is recommended, at least one channel of disbursement is selected from multiple channel of disbursement, as channel of disbursement recommended to the user.
Description
Technical field
Multiple embodiments that this specification discloses are related to Internet technical field more particularly to a kind of recommendation of the means of payment
Method and device.
Background technology
With the development of Internet technology and social economy, people more and more continually use the payment that payment platform provides
Service.When user pays some order by payment platform, payment platform often provides a user a variety of payments
(these channel of disbursement can be the channel of disbursement that user has opened in payment platform to channel, such as account balance, credit card account
Family, third party's wallet etc.) and recommend one of which channel of disbursement to user.At this point, user can directly be pushed away using payment platform
The channel of disbursement recommended is paid, or is carried out again after reselecting the channel of disbursement that it is desirable in other channel of disbursement
Payment.
However, recommending the method for channel of disbursement excessively single to user at present.Accordingly, it is desirable to provide more rational side
Case, to meet a variety of demands when user is paid by channel of disbursement.
Invention content
Present specification describes a kind of recommendation method and devices of channel of disbursement, by each in the multiple channel of disbursement of determination
The recommendation total score of channel of disbursement, selects at least one channel of disbursement from multiple channel of disbursement, as payment recommended to the user
Channel recommends channel of disbursement more particularly suitable under present circumstances to user so as to comprehensive many factors.
In a first aspect, providing a kind of recommendation method of channel of disbursement.This method includes：
In response to the delivery operation request of user, optional multiple payment canals corresponding with delivery operation request are determined
Road；
It obtains and the relevant at least one characterization factor of the multiple channel of disbursement；
Determine that each channel of disbursement is corresponding to the recommender score of each characterization factor in the multiple channel of disbursement；
According to the recommender score, the recommendation total score of each channel of disbursement is determined；
According to the recommendation total score, at least one channel of disbursement is selected from the multiple channel of disbursement, as to described
The channel of disbursement that user recommends.
In a kind of possible embodiment, each channel of disbursement corresponds to each in the multiple channel of disbursement of determination
The recommender score of a characterization factor, including：
Determine that each channel of disbursement is corresponding to the characteristic information of each characterization factor in the multiple channel of disbursement；
Determine that each channel of disbursement corresponds to the recommender score of each characterization factor according to the characteristic information.
In a kind of possible embodiment, at least one characterization factor includes the success rate factor, the feature letter
Breath includes payment success rate；Each channel of disbursement corresponds to pushing away for each characterization factor in the multiple channel of disbursement of determination
Score is recommended, including：
Determine the payment success rate of each channel of disbursement in the given time in the multiple channel of disbursement；
According to the payment success rate, determine that each channel of disbursement corresponds to the recommender score of the success rate factor.
In a kind of possible embodiment, at least one characterization factor includes the operation factor, the characteristic information
Including favor information；Each channel of disbursement corresponds to the recommended hour of each characterization factor in the multiple channel of disbursement of determination
Number, including：
Obtain favor information of each channel of disbursement corresponding to predetermined instant in multiple channel of disbursement；
According to the favor information, determine that each channel of disbursement corresponds to the recommender score of the operation factor.
In a kind of possible embodiment, at least one characterization factor includes the user individual factor, the spy
Reference breath includes sequence setting information；In the multiple channel of disbursement of determination each channel of disbursement correspond to each feature because
The recommender score of son, including：
Obtain sequence setting information of the user in predetermined instant to the multiple channel of disbursement；
According to the sequence setting information, determine that each channel of disbursement corresponds to the recommended hour of the user individual factor
Number.
In a kind of possible embodiment, at least one characterization factor includes the region factor, the characteristic information
Including regional information；Each channel of disbursement corresponds to the recommended hour of each characterization factor in the multiple channel of disbursement of determination
Number, including：
It obtains the delivery operation and asks corresponding regional information；
According to the regional information, determine that each channel of disbursement corresponds to the recommender score of the region factor.
In a kind of possible embodiment, at least one characterization factor includes cost factor, the characteristic information
Including cost feature value, each channel of disbursement corresponds to the recommendation of each characterization factor in the multiple channel of disbursement of determination
Score, including：
Obtain the corresponding cost feature value of each channel of disbursement in the multiple channel of disbursement；
According to the cost feature value, determine that each channel of disbursement corresponds to the recommender score of cost factor.
In a kind of possible embodiment, each channel of disbursement corresponds to each in the multiple channel of disbursement of determination
The recommender score of a characterization factor, including：
For each characterization factor, construct the multiple channel of disbursement corresponding to this feature factor channel in contrast with
Compared with matrix, the element a in the channel pairwise comparison matrixijIndicate recommendations of the channel i relative to channel j；
According to the channel pairwise comparison matrix, determine that each channel of disbursement corresponds to the recommended hour of this feature factor
Number.
In a kind of possible embodiment, the recommendation be based on channel i relative to channel j under the character pair factor
Characteristic information and determine.
In a kind of possible embodiment, the recommendation total score of determination each channel of disbursement, including：
Obtain the weights corresponding to each characterization factor at least one characterization factor；
The recommender score for corresponding to each characterization factor according to the weights and each channel of disbursement, determines the payment
The recommendation total score of channel.
In a kind of possible embodiment, the weights are predefined by following steps：
Construct the factor pairwise comparison matrix of at least one characterization factor, the member in the factor pairwise comparison matrix
Plain bijIndicate importance of the characterization factor i relative to characterization factor j；
According to the factor pairwise comparison matrix, the weights corresponding to each characterization factor are determined.
Second aspect provides a kind of recommendation apparatus of channel of disbursement.The device includes：
First determination unit is asked for the delivery operation in response to user, and determination is corresponding with delivery operation request
Optional multiple channel of disbursement；
Acquiring unit, for obtaining and the relevant at least one characterization factor of the multiple channel of disbursement；
Second determination unit, for determining, each channel of disbursement corresponds to each characterization factor in the multiple channel of disbursement
Recommender score；
Third determination unit, for according to the recommender score, determining the recommendation total score of each channel of disbursement；
Processing unit, for according to the recommendation total score, at least one payment canal to be selected from the multiple channel of disbursement
Road, as the channel of disbursement recommended to the user.
In a kind of possible embodiment, second determination unit specifically includes：
First determination subelement, for determine in the multiple channel of disbursement each channel of disbursement correspond to each feature because
The characteristic information of son；
Second determination subelement, for determining that each channel of disbursement corresponds to each feature according to the characteristic information
The recommender score of the factor.
In a kind of possible embodiment, at least one characterization factor that the acquiring unit obtains include success rate because
Son, the characteristic information that first determination subelement determines include payment success rate；Second determination unit is specifically used for：
Determine the payment success rate of each channel of disbursement in the given time in the multiple channel of disbursement；
According to the payment success rate, determine that each channel of disbursement corresponds to the recommender score of the success rate factor.
In a kind of possible embodiment, at least one characterization factor that the acquiring unit obtains include operation because
Son, the characteristic information that first determination subelement determines includes favor information；Second determination unit is specifically used for：
Obtain favor information of each channel of disbursement corresponding to predetermined instant in multiple channel of disbursement；
According to the favor information, determine that each channel of disbursement corresponds to the recommender score of the operation factor.
In a kind of possible embodiment, at least one characterization factor that the acquiring unit obtains includes user personality
Change the factor, the characteristic information that first determination subelement determines includes sequence setting information；Second determination unit is specific
For：
Obtain sequence setting information of the user in predetermined instant to the multiple channel of disbursement；
According to the sequence setting information, determine that each channel of disbursement corresponds to the recommended hour of the user individual factor
Number.
In a kind of possible embodiment, at least one characterization factor that the acquiring unit obtains include region because
Son, the characteristic information that first determination subelement determines includes regional information；Second determination unit is specifically used for：
It obtains the delivery operation and asks corresponding regional information；
According to the regional information, determine that each channel of disbursement corresponds to the recommender score of the region factor.
In a kind of possible embodiment, at least one characterization factor that the acquiring unit obtains include cost because
Son, the characteristic information that first determination subelement determines includes cost feature value, and second determination unit is specifically used for：
Obtain the corresponding cost feature value of each channel of disbursement in the multiple channel of disbursement；
According to the cost feature value, determine that each channel of disbursement corresponds to the recommender score of cost factor.
In a kind of possible embodiment, second determination unit is specifically used for：
For each characterization factor, construct the multiple channel of disbursement corresponding to this feature factor channel in contrast with
Compared with matrix, the element a in the channel pairwise comparison matrixijIndicate recommendations of the channel i relative to channel j；
According to the channel pairwise comparison matrix, determine that each channel of disbursement corresponds to the recommended hour of this feature factor
Number.
In a kind of possible embodiment, 20, device according to claim 19, which is characterized in that described
Recommendation in two determination units is determined based on channel i relative to characteristic informations of the channel j under the character pair factor.
In a kind of possible embodiment, the third determination unit is specifically used for：
Obtain the weights corresponding to each characterization factor at least one characterization factor；
The recommender score for corresponding to each characterization factor according to the weights and each channel of disbursement, determines the payment
The recommendation total score of channel.
In a kind of possible embodiment, the weights in the third determination unit are predefined by following steps：
Construct the factor pairwise comparison matrix of at least one characterization factor, the member in the factor pairwise comparison matrix
Plain bijIndicate importance of the characterization factor i relative to characterization factor j；
According to the factor pairwise comparison matrix, the weights corresponding to each characterization factor are determined.
The third aspect provides a kind of computer readable storage medium, is stored thereon with computer program.When the calculating
When machine program executes in a computer, computer is enabled to execute the method that any embodiment is provided in above-mentioned first aspect.
Fourth aspect provides a kind of computing device, including memory and processor.Being stored in the memory can hold
Line code realizes the side that any embodiment is provided in above-mentioned first aspect when the processor executes the executable code
Method.
In a kind of recommendation method and device for channel of disbursement that this specification provides, first, in response to the payment of user
Operation requests obtain optional multiple channel of disbursement corresponding with delivery operation request.Then, it obtains related to multiple channel of disbursement
At least one characterization factor, and determine that each channel of disbursement in multiple channel of disbursement corresponds to the recommended hour of each characterization factor
Number.Then, according to recommender score, the recommendation total score of each channel of disbursement is determined, and according to total score is recommended, from multiple channel of disbursement
Middle at least one channel of disbursement of selection, as channel of disbursement recommended to the user.By using this method, can integrate a variety of
Factor recommends channel of disbursement more particularly suitable under present circumstances to user, so that user directly passes through the channel of disbursement of recommendation
Delivery operation is rapidly completed, or can quickly navigate to the channel of disbursement for wishing to select when user switches channel of disbursement, into
And complete delivery operation.
Description of the drawings
In order to illustrate more clearly of the technical solution for multiple embodiments that this specification discloses, embodiment will be described below
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description be only this specification disclose
Multiple embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.
Fig. 1 is that a kind of application scenarios of the recommendation method for channel of disbursement that one embodiment that this specification discloses provides show
It is intended to；
Fig. 2 is the schematic diagram for the page that confirms an order that one embodiment that this specification discloses provides；
Fig. 3 is a kind of recommendation method flow diagram for channel of disbursement that one embodiment that this specification discloses provides；
Fig. 4 is the schematic diagram for the payment page that one embodiment that this specification discloses provides；
Fig. 5 is the schematic diagram for the selection payment method page that one embodiment that this specification discloses provides；
Fig. 6 is a kind of recommendation method flow diagram for channel of disbursement that one embodiment that this specification discloses provides；
Fig. 7 is the channel hierarchical structure schematic diagram that one embodiment that this specification discloses provides；
Fig. 8 is a kind of recommendation apparatus structure chart for channel of disbursement that one embodiment that this specification discloses provides.
Specific implementation mode
Below in conjunction with the accompanying drawings, the multiple embodiments disclosed this specification are described.
Fig. 1 is that a kind of application scenarios of the recommendation method for channel of disbursement that one embodiment that this specification discloses provides show
It is intended to.The executive agent of the processing method can be server.When user passes through the payment platform of a variety of channel of disbursement of offer
When being paid to order, the recommendation method for the channel of disbursement that this specification embodiment is provided may be used.
In response to the delivery operation request of user, (e.g., delivery operation request can be that user " determines as shown in Figure 2
The delivery operation that is generated is asked when the clicking operation carried out in order " terminal page, to " immediate payment "), it obtains and payment
Operation requests correspond to optional multiple channel of disbursement (e.g., multiple channel of disbursement may include flower, Yuebao, account balance, silver
Row deposit card etc.).Then, (e.g., characterization factor may include with the relevant at least one characterization factor of multiple channel of disbursement for acquisition
The success rate factor, user individual factor etc.), and determine in multiple channel of disbursement each channel of disbursement correspond to each feature because
The recommender score of son (e.g., by calculating payment success rate of each channel in nearest 5 minutes, determines that each channel corresponds to
The recommender score of the success rate factor).Then, according to recommender score, determine the recommendation total score of each channel of disbursement (e.g., by right
Recommender score is summed, with the recommendation total score of each channel of disbursement of determination), and according to total score is recommended, selected from multiple channel of disbursement
At least one channel of disbursement (e.g., can select to recommend total score highest channel of disbursement (for example, flower)) is selected, is pushed away as to user
The channel of disbursement recommended.
From the foregoing, it will be observed that in the recommendation method for the channel of disbursement that multiple embodiments that this specification discloses provide, first, ring
It should be asked in the delivery operation of user, determine optional multiple channel of disbursement corresponding with delivery operation request.Then, it obtains and more
A relevant at least one characterization factor of channel of disbursement, and determine that each channel of disbursement corresponds to each spy in multiple channel of disbursement
Levy the recommender score of the factor.Then, according to recommender score, the recommendation total score of each channel of disbursement is determined, and according to recommending total score,
At least one channel of disbursement is selected from multiple channel of disbursement, as channel of disbursement recommended to the user.By using this side
Method can integrate many factors and recommend channel of disbursement more particularly suitable under present circumstances to user, so that user is directly logical
It crosses the channel of disbursement recommended and delivery operation is rapidly completed, or can quickly navigate to hope when user switches channel of disbursement and select
Channel of disbursement, and then complete delivery operation.
Fig. 3 is a kind of recommendation method flow diagram for channel of disbursement that one embodiment that this specification discloses provides.It is described
The executive agent of method can be the equipment with processing capacity：Server either system or device.For example, the clothes in Fig. 1
Business device.As shown in figure 3, the method specifically includes：
Step S310, the delivery operation in response to user are asked, and are determined corresponding with delivery operation request multiple optional
Pay channel.
Specifically, delivery operation request can be instructed by terminal according to delivery operation input by user that (e.g., delivery operation refers to
Enabling can be to pay the instruction that generates of button by click) and the delivery operation instruct corresponding to order information (e.g., order
Information may include user information and the information of beneficiary etc.) and generate.
In one embodiment, optional multiple channel of disbursement corresponding with delivery operation request are determined, may include：According to
The information for the user information and beneficiary that delivery operation request includes determines corresponding with delivery operation request multiple optional
Pay channel.
In one example, may include that channel of disbursement that user has opened and beneficiary are supported in user information
Gathering channel.Correspondingly, the intersection for the gathering channel that the channel of disbursement and beneficiary that user has opened can be supported, really
It is set to the optionally multiple channel of disbursement of user.For example, the channel of disbursement that user opens in Alipay platform may include：Account
Remaining sum, flower, Yuebao, credit card, the gathering channel that the Taobao seller that order information includes is supported may include：Account
Remaining sum, Yuebao.Correspondingly, can be really optional multiple payments corresponding with delivery operation request by account balance and Yuebao
Channel.
Then, it in step S320, obtains and the relevant at least one characterization factor of multiple channel of disbursement.
Specifically, at least one characterization factor may include the success rate factor, operation the factor, the user individual factor,
The domain factor, cost factor, and with other relevant possible factors of the feature of channel of disbursement.Also, each characterization factor can be with
It is corresponding with different characteristic informations respectively.
Wherein, characteristic information corresponding with the success rate factor may include the payment success of channel of disbursement in the given time
Rate.May include favor information (e.g., discount coupon, full deactivation dynamic etc.) with the corresponding characteristic information of the operation factor.With user personality
It may include that user is directed to the sequencing information of multiple channel of disbursement setting (e.g., to multiple payments to change the corresponding characteristic information of the factor
The sequencing that channel is set using).Characteristic information corresponding with the region factor may include regional information (e.g., country or ground
Area etc.).Characteristic information corresponding with cost factor may include that maintenance cost caused by channel of disbursement (can be by consumption
The measurements such as human and material resources and time), if maintenance cost may include the cost, relevant with reimbursement of follow-up verification financial information
Cost etc..
Step S330 determines that each channel of disbursement is corresponding to the recommender score of each characterization factor in multiple channel of disbursement.
Specifically, it is determined that each channel of disbursement corresponds at least one spy obtained in step S320 in multiple channel of disbursement
Levy the factor in each characterization factor characteristic information, according to this feature information determine each channel of disbursement correspond to each feature because
The recommender score of son.
In one embodiment, determine that each channel of disbursement corresponds to the recommendation of each characterization factor according to this feature information
Score may include：According to characteristic information, and with the relevant preset rules of this feature information, determine each channel of disbursement pair
It should be in the recommender score of each characterization factor.
In another embodiment, determine that each channel of disbursement corresponds to pushing away for each characterization factor according to this feature information
Score is recommended, may include：For each characterization factor, the characteristic information of this feature factor is corresponded to according to each channel, is determined
Recommendation of one of channel relative to another channel in any two channel, and according to the multiple recommendation structures determined
Make the channel pairwise comparison matrix that multiple channel of disbursement correspond to this feature factor.Then, according to channel pairwise comparison matrix, really
Fixed each channel of disbursement corresponds to the recommender score of this feature factor.
It is understood that for pairwise comparison matrix, comparing i-th of element some factor opposite with j-th of element
Importance when, relative weighting h can be usedijTo describe.Compare assuming that sharing n element participation, then H=(hij)n×nReferred to as
Pairwise comparison matrix.Element h in the matrixijValue, the proposal of Shtty can be referred to, by following scales progress assignment (hij
Can in 1-9 and its inverse value)：
hij=1, element i are identical to the importance of some factor as element j；
hij=3, element i is slightly more important than element j；
hij=5, element i is more important than element j；
hij=7, element i are than element j much more significants；
hij=9, element i relative elementals j is of crucial importance；
hij=2n, n=1,2,3,4, the importance of element i and element j are between 2n-1 and 2n+1；
I, j=1 ..., n；As i=j, hij=1.
In one embodiment, at least one characterization factor obtained in step S320 includes the success rate factor, with success
The corresponding characteristic information of the rate factor includes payment success rate.Correspondingly, this step includes：Each is determined in multiple channel of disbursement
The payment success rate of channel in the given time is paid, and according to payment success rate, determines that each channel of disbursement corresponds to success rate
The recommender score of the factor.
In one example, streaming computing or the mode calculated in real time may be used, determine each in multiple channel of disbursement
The channel of disbursement payment success rate (e.g., in nearest 1min or recently in 5min) in the given time.For example, multiple channel of disbursement
May include flower, China Merchants Bank's credit card, QIWI wallets, accordingly, it may be determined that going out these channel of disbursement in nearest 1min
Paying success rate is respectively：99%, 84% and 55%.
In one example, with the payment relevant preset rules of success rate, may include：The numerical value of success rate will be paid,
Correspond to the recommender score of the success rate factor as each channel of disbursement.It correspondingly, can be default with this according to payment success rate
Rule determines that each channel of disbursement corresponds to the recommender score of the success rate factor.For example, flower payment success rate is
99%, then can by 0.99 as flower correspond to the success rate factor recommender score.
In another example, according to payment success rate, determine that each channel of disbursement corresponds to the recommendation of the success rate factor
Score may include：According to payment success rate, determine that one of channel is relative to another channel in any two channel
Recommendation, and the channel pairwise comparison matrix that multiple channel of disbursement correspond to the success rate factor is constructed according to recommendation.Then, root
According to channel pairwise comparison matrix, determine that each channel of disbursement corresponds to the recommender score of the success rate factor.
Wherein it is determined that recommendation of one of channel relative to another channel in any two channel, may include：
Based on the mapping relations of preconfigured payment success rate difference and recommendation value, according to the payment of any two channel success
Rate difference determines recommendation of one of channel relative to another channel.
For channel pairwise comparison matrix A=(aij)n×n, for the element a therein for includingij(namely recommendation),
HaveI, j=1 ..., n, aijIndicate that recommendations of the channel i relative to channel j, n indicate the sum of multiple support channels, work as i
When=j, aij=1.
In addition, according to channel pairwise comparison matrix, determine that each channel of disbursement corresponds to the recommender score of the success rate factor,
May include：The weight vector for calculating channel pairwise comparison matrix, by each numerical value of the element in weight vector, as each payment
Channel corresponds to the recommender score of the success rate factor.
For example, multiple channel of disbursement may include flower, China Merchants Bank's credit card, QIWI wallets, and pay success rate accordingly
Respectively：99%, 84% and 55%.The mapping relations of preconfigured payment success rate difference and recommendation value, Ke Yiru
Shown in table 1.
Table 1
| Pay success rate difference | Recommendation |
| [0.0,0.15) | 1 |
| [0.15,0.3) | 2 |
| [0.3,0.4) | 3 |
| [0.4,0.44) | 4 |
| [0.44,0.6) | 5 |
| [0.6,0.7) | 6 |
| [0.7,0.8) | 7 |
| [0.8,0.9) | 8 |
| [0.9,1.0] | 9 |
Will flower, China Merchants Bank's credit card, QIWI wallets are numbered respectively is channel 1, channel 2 and channel 3, according to channel 1 and 2,
Between channel 1 and 3 and channel 2 and 3 success rate is paid in the difference 0.15,0.44 and 0.29 of payment success rate and table 1
The correspondence of difference and recommendation, it may be determined that in the channel pairwise comparison matrix A corresponding to the success rate factor1In, a12=
2、a13=5, a23=2.CauseThereforeAgain because as i=j, aij=1, therefore a11
=a22=a33=1.It follows that matrix A1It can be expressed as：
It is then possible to acquire matrix A1Weight vectorAccordingly.It can determine flower
, China Merchants Bank's credit card, QIWI wallets correspond to the success rate factor recommender score be respectively 0.606,0.265 and 0.129.
In another embodiment, at least one characterization factor obtained in step S320 includes the operation factor, with operation
The corresponding characteristic information of the factor includes favor information.Correspondingly, this step includes：Obtain each payment canal in multiple channel of disbursement
Favor information of the road corresponding to predetermined instant (e.g., current time), and according to favor information, determine that each channel of disbursement corresponds to
In the recommender score of the operation factor.
In one example, multiple channel of disbursement may include flower, China Merchants Bank's credit card, QIWI wallets, acquisition it is preferential
Information may include：Flower there is the preferential activity of " full 1000 subtract 50 ", QIWI wallets to have without related preferential activity, China Merchants Bank's credit card
The preferential activity of " 10 yuan of no limit is vertical to subtract certificate ".
In one example, with the relevant preset rules of favor information, may include：For there is currently preferential movable
Channel of disbursement corresponds to the recommender score of the operation factor by 0.3 as the channel；For there is currently no preferential movable payments
Channel corresponds to and runs the recommender score of the factor as the channel by 0.For example, there will be preferential movable China Merchants Bank's credit card and
QIWI wallets correspond to operation the factor recommender score be determined as 0.3, there will be no preferential movable flower correspond to operation because
The recommender score of son is determined as 0.
In another example, according to favor information, determine that each channel of disbursement corresponds to the recommender score of the operation factor,
May include：According to favor information, recommendation of one of channel relative to another channel in any two channel is determined,
And the channel pairwise comparison matrix that multiple channel of disbursement correspond to the operation factor is constructed according to recommendation.Then, according to channel at
To comparator matrix, determine that each channel of disbursement corresponds to the recommender score of the operation factor.
Wherein it is determined that recommendation of one of channel relative to another channel in any two channel, may include：
Mapping relations based on preconfigured favor information Yu recommendation value are determined according to the favor information of any two channel
Recommendation of one of channel relative to another channel.
For example, multiple channel of disbursement may include flower, China Merchants Bank's credit card, QIWI wallets, and corresponding favor information point
It is not：Nothing, " full 1000 subtract 50 " and " 10 yuan of no limit is vertical to subtract certificate ".The mapping of preconfigured favor information and recommendation value
Relationship, can be as shown in table 2.
Table 2
| Two favor informations | Recommendation |
| Without limit deduction and exemption → nothing | 4 |
| Limit deduction and exemption → nothing | 3 |
| No limit deduction and exemption → limit deduction and exemption | 2 |
Will flower, China Merchants Bank's credit card, QIWI wallets are numbered respectively is channel 1, channel 2 and channel 3, according to preferential in table 2
The correspondence of information and recommendation, it may be determined that in the channel pairwise comparison matrix A corresponding to the operation factor2In, a21=3,
a31=4, a32=2.CauseTherefore Again because as i=j, aij=1, therefore a11=
a22=a33=1.It follows that matrix A2It can be expressed as：
It is then possible to acquire matrix A2Weight vectorAccordingly, flower, China Merchants Bank
The recommender score that credit card, QIWI wallets correspond to the operation factor is respectively 0.121,0.344 and 0.535.
In yet another embodiment, at least one characterization factor obtained in step S320 includes the user individual factor,
Characteristic information corresponding with the success rate factor includes sequence setting information.Correspondingly, this step includes：User is obtained in pre- timing
The sequence setting information of (e.g., current time) to multiple channel of disbursement is carved, and according to sequence setting information, determines each payment canal
Road corresponds to the recommender score of the user individual factor.
In one example, the sequencing information that multiple channel of disbursement are arranged in current time user can be obtained.For example, more
A channel of disbursement may include flower, China Merchants Bank's credit card, QIWI wallets, the row that these channel of disbursement are arranged in the user of acquisition
Sequence information includes：Second, the 4th and first.
In one example, with the sequence relevant preset rules of setting information, may include：It will be wrapped in sequence setting information
The inverse of the ranking included corresponds to the recommender score of the user individual factor as each channel of disbursement.It correspondingly, can basis
The setting information that sorts and the preset rules determine that each channel of disbursement corresponds to the recommender score of the success rate factor.For example, flower
, the ranking of China Merchants Bank's credit card, QIWI wallets in the setting information that sorts be respectively 2,4 and 1, then these three channel of disbursement correspond to
In the recommender score of the user individual factor be respectively 0.5,0.25 and 1.
In another example, according to sequence setting information, determine that each channel of disbursement corresponds to the user individual factor
Recommender score, may include：According to sequence setting information, determine that one of channel is relative to another in any two channel
The recommendation of a channel, and multiple channel of disbursement are constructed according to recommendation and are compared in pairs corresponding to the channel of the user individual factor
Matrix.Then, according to channel pairwise comparison matrix, determine that each channel of disbursement corresponds to the recommended hour of the user individual factor
Number.
Wherein it is determined that recommendation of one of channel relative to another channel in any two channel, may include：
Based on the mapping relations of preconfigured sequence ranking difference and recommendation value, it is arranged according to the sequence of any two channel and is believed
Difference is ceased, determines recommendation of one of channel relative to another channel.
For example, multiple channel of disbursement may include flower, China Merchants Bank's credit card, QIWI wallets, and in the setting information that sorts
Sequence ranking be respectively：2,4 and 1.The mapping relations of preconfigured sequence ranking difference and recommendation value, can be such as table
Shown in 3.
Table 3
| Sort ranking difference | Recommendation |
| 1 | 1/2 |
| 2 | 1/3 |
| 3 | 1/4 |
Will flower, China Merchants Bank's credit card, QIWI wallets are numbered respectively is channel 1, channel 2 and channel 3, according to channel 2 and 1,
Sequence ranking difference and recommendation in the difference 2,3 and 1 and table 3 of the ranking that sorts between channel 2 and 3 and channel 1 and 3
Correspondence, it may be determined that in the channel pairwise comparison matrix A corresponding to the user individual factor3In,CauseTherefore a12=3, a32=4, a31=2.Again because as i=j, aij=
1, therefore a11=a22=a33=1.It follows that matrix A3It can be expressed as：
It then, can be in the hope of matrix A3Weight vectorAccordingly.It can determine flower
, China Merchants Bank's credit card, QIWI wallets correspond to the user individual factor recommender score be respectively 0.344,0.121 and 0.535.
In a still further embodiment, at least one characterization factor obtained in step S320 includes the region factor, with region
The corresponding characteristic information of the factor includes regional information.Correspondingly, this step includes：It obtains delivery operation and asks corresponding region letter
Breath, and according to regional information, determine that each channel of disbursement corresponds to the recommender score of the region factor.
In one example, it may include order information in delivery operation request, and may include gathering in order information
The regional information (e.g., country, area etc.) of side.Correspondingly, it obtains delivery operation and asks corresponding regional information, may include：
Obtain the regional information for the beneficiary that delivery operation request includes.For example, the regional information of beneficiary can be China or beautiful
State.
In one example, with the relevant preset rules of regional information, may include：By in multiple channel of disbursement relative to
Regional information is set as 0.5 for the recommender score of the channel of disbursement of local channel, and will be external machine relative to regional information
The recommender score of the channel of disbursement of structure is set as 0.2.For example, the regional information obtained is China, multiple channel of disbursement can wrap
Include flower, Yuebao, Baidu's wallet.Accordingly, can by flower and the recommender score of Yuebao (two local channel) be set as
0.5, and the recommender score of Baidu's wallet (channel of disbursement of external agency) is set as 0.2.In another example the regional information of acquisition
For Russia, multiple channel of disbursement may include QIWI wallets and China Merchants Bank's credit card world version.It accordingly, can be by QIWI wallets
The recommender score of (local channel) is set as 0.5, and by the recommendation of China Merchants Bank's credit card world version (channel of disbursement of external agency)
Number is set as 0.2.
In another example, according to regional information, determine that each channel of disbursement corresponds to the recommender score of the region factor,
May include：According to regional information, recommendation of one of channel relative to another channel in any two channel is determined,
And the channel pairwise comparison matrix that multiple channel of disbursement correspond to the region factor is constructed according to recommendation.Then, according to channel at
To comparator matrix, determine that each channel of disbursement corresponds to the recommender score of the region factor.
Wherein it is determined that recommendation of one of channel relative to another channel in any two channel, may include：
Based on the mapping relations of preconfigured, channel of disbursement corresponding with each region and recommendation value, determine in multiple support channels,
Recommendation of one of channel relative to another channel in any two channel.
For example, the multiple channel of disbursement obtained include flower, China Merchants Bank's credit card and QIWI wallets, and the region letter that obtains
Breath is China.The mapping relations of, channel of disbursement corresponding with China and recommendation value, can be as shown in table 4 below.
Table 4
| Channel of disbursement | Recommendation |
| Flower → Yuebao | 3 |
| Flower → credit card | 5 |
| Flower → third party's wallet | 7 |
| Yuebao → credit card | 2 |
| Yuebao → third party's wallet | 4 |
| Credit card → third party's wallet | 2 |
Will flower, China Merchants Bank's credit card, QIWI wallets (belonging to third party's wallet) are numbered respectively is channel 1, channel 2 and channel
3, according to the mapping relations of channel of disbursement and recommendation value in table 4, it may be determined that pairs of in the channel corresponding to the region factor
Comparator matrix A4In, a12=5, a13=7, a23=2.CauseThereforeAgain
Cause is as i=j, aij=1, therefore a11=a22=a33=1.It follows that matrix A4It can be expressed as：
It is then possible to acquire matrix A4Weight vectorAccordingly.It can determine flower
, China Merchants Bank's credit card, QIWI wallets correspond to the region factor recommender score be respectively 0.729,0.179 and 0.092.
In a further embodiment, at least one characterization factor obtained in step S320 includes cost factor, with cost
The corresponding characteristic information of the factor includes cost feature value.Correspondingly, this step includes：Obtain the corresponding cost of each channel of disbursement
Characteristic value, and according to the cost feature value, determine that each channel of disbursement corresponds to the recommender score of cost factor.
In one example, cost feature value can be predefined based on the corresponding maintenance cost of each channel of disbursement,
And maintenance cost may include cost and the relevant cost of reimbursement of follow-up verification financial information etc..More specifically, maintenance cost
Higher, corresponding cost feature value is lower, conversely, maintenance cost is lower, corresponding cost feature value is higher.For example, multiple
Pay channel may include flower, China Merchants Bank's credit card, QIWI wallets, and the maintenance cost of these three channel of disbursement increases successively, phase
The cost feature value that should be obtained can be respectively：0.6、0.4、0.1.
In one example, with the relevant preset rules of cost feature value, may include：By the numerical value of cost feature value,
Correspond to the recommender score of cost factor as each channel of disbursement.It correspondingly, can be according to cost feature value and the default rule
Then, determine that each channel of disbursement corresponds to the recommender score of cost factor.For example, flower cost feature value is 0.6, then may be used
Using by 0.6 as flower correspond to cost factor recommender score.
In another example, according to cost feature value, determine that each channel of disbursement corresponds to the recommended hour of cost factor
It counts, may include：According to cost feature value, one of channel pushing away relative to another channel in any two channel is determined
Degree of recommending, and the channel pairwise comparison matrix that multiple channel of disbursement correspond to cost factor is constructed according to recommendation.Then, according to canal
Road pairwise comparison matrix determines that each channel of disbursement corresponds to the recommender score of cost factor.
Wherein it is determined that recommendation of one of channel relative to another channel in any two channel, may include：
Based on the mapping relations of preconfigured cost feature value difference value and recommendation value, according to the cost feature of any two channel
Value difference value determines recommendation of one of channel relative to another channel.
For example, multiple channel of disbursement may include flower, China Merchants Bank's credit card, QIWI wallets, and corresponding cost feature value
Respectively：0.6、0.4、0.1.The mapping relations of preconfigured cost feature value difference value and recommendation value, can be such as 5 institute of table
Show.
Table 5
| Cost feature value difference value | Recommendation |
| [0.0,0.2) | 1 |
| [0.2,0.4) | 2 |
| [0.4,0.6) | 3 |
| [0.6,0.8) | 4 |
| [0.8,1.0] | 5 |
Will flower, China Merchants Bank's credit card, QIWI wallets are numbered respectively is channel 1, channel 2 and channel 3, according to channel 1 and 2,
Cost feature value difference value in the difference 0.2,0.5 and 0.3 of cost feature value and table 5 between channel 1 and 3 and channel 2 and 3
With the correspondence of recommendation, it may be determined that in the channel pairwise comparison matrix A corresponding to cost factor5In, a12=2, a13=
3、a23=2.CauseThereforeAgain because as i=j, aij=1, therefore a11=a22=
a33=1.It follows that matrix A5It can be expressed as：
It is then possible to acquire matrix A5Weight vectorAccordingly.It can determine flower
, China Merchants Bank's credit card, QIWI wallets correspond to cost factor recommender score be respectively 0.529,0.309 and 0.162.
It is the success rate factor, the operation factor, the user individual factor, the region factor, cost that characterization factor, which is enumerated above,
In the case of the factor, the mode of the recommender score of each channel is determined.It is appreciated that characterization factor can also include it is more kinds of with
Other relevant factors of feature of channel.For other characterization factors, corresponding feature can also be based on reference to similar mode
Information determines its recommender score.
As described above, in step S330, determine that each channel of disbursement corresponds to each feature in multiple channel of disbursement
The recommender score of the factor.Then, each payment canal is determined according to the recommender score determined in step S330 in step S340
The recommendation total score in road.
Specifically, can each channel of disbursement directly be corresponded to each characterization factor at least one characterization factor to push away
It recommends score to sum up, to obtain the recommendation total score of the channel of disbursement.
In one example, multiple channel of disbursement may include：Flower, China Merchants Bank's credit card, QIWI wallets.Multiple features because
Son may include：The success rate factor, the operation factor and the user individual factor.Also, each channel of disbursement corresponds to each spy
The recommender score for levying the factor, can be as shown in table 6.
Table 6
| The success rate factor | Run the factor | The user individual factor | It is total | |
| Flower | 0.99 | 0 | 0.5 | 1.49 |
| China Merchants Bank's credit card | 0.84 | 0.3 | 0.25 | 1.39 |
| QIWI wallets | 0.55 | 0.3 | 1 | 1.85 |
As shown in Table 6, flower, the recommendation total score of China Merchants Bank's credit card and QIWI wallets be respectively 1.49,1.39 and 1.85.
Alternatively, the weights at least one characterization factor corresponding to each characterization factor can be obtained, and according to acquisition
The each channel of disbursement determined in weights and step S330 corresponds to the recommender score of each characterization factor, determines the channel of disbursement
Recommendation total score.
In one example, multiple channel of disbursement may include：Flower, China Merchants Bank's credit card, QIWI wallets.Multiple features because
Son may include：The success rate factor, the operation factor, the user individual factor, the region factor and cost factor.
In one embodiment, the weights of each characterization factor are pre-set based on empirical rule.For example, can be by success
The rate factor, the operation factor, the user individual factor, the value of the region factor and cost factor be respectively set to 0.2,0.1,0.3,
0.3 and 0.1.
In another embodiment, the weights corresponding to each characterization factor can be predefined by following steps：It is first
First, the factor pairwise comparison matrix of at least one characterization factor, the element b in factor pairwise comparison matrix are constructedijIndicate feature
Importance of the factor i relative to characterization factor j.Then, it according to factor pairwise comparison matrix, determines corresponding to each characterization factor
Weights.
In one example, at least one characterization factor may include：The region factor, the success rate factor, cost factor, fortune
The factor and the user individual factor are sought, and is 1 to 5 by this five characterization factor number consecutivelies.In one example, it constructs
The factor pairwise comparison matrix of this five characterization factors can be：
Accordingly, the weight vector that can obtain matrix B is ωB=(0.457,0.263,0.051,0.103,0.126).Accordingly
Ground, the region factor, the success rate factor, cost factor, operation the factor and the user individual factor corresponding to weights be respectively：
0.457,0.263,0.051,0.103 and 0.126.
Correspondingly, the weights corresponding to each characterization factor of acquisition and each channel of disbursement correspond to each characterization factor
Recommender score, can be as shown in table 7.
Table 7
| Weights | Flower | China Merchants Bank's credit card | QIWI wallets |
| (the region factor) 0.457 | 0.729 | 0.179 | 0.092 |
| (the success rate factor) 0.263 | 0.606 | 0.265 | 0.129 |
| (cost factor) 0.051 | 0.529 | 0.309 | 0.162 |
| (the operation factor) 0.103 | 0.121 | 0.344 | 0.535 |
| (the personalized factor) 0.126 | 0.344 | 0.121 | 0.535 |
| Total score | 0.575 | 0.218 | 0.207 |
As shown in Table 7, flower, the recommendation total score of China Merchants Bank's credit card and QIWI wallets be respectively 0.575,0.218 and
0.207。
It should be noted that in matrix B, the member for characterizing the relative importance between any two characterization factor
Plain bij, can rule of thumb carry out setting its initial value, further according to subsequent feedback to bijValue be adjusted.In an example
In, in the matrix B using primary structural elements1In the case of, switching times of the user when selecting channel of disbursement are 100 in the T days
Ten thousand times.Then, to matrix B1In element bijIt is adjusted to obtain matrix B2.Using matrix B2In the case of, in the T+1 days
Switching times of the user when selecting channel of disbursement are 100,000 times.It follows that relative to matrix B1, when using matrix B2When, it uses
Family reduces 90% to the switching times of channel of disbursement, therefore can be continuing with matrix B2As factor pairwise comparison matrix, or
Person is to matrix B2It is further adjusted, to obtain more preferably factor pairwise comparison matrix.
In step S340, it may be determined that go out the recommendation total score of each channel of disbursement.Then, in step S350, step
S350 selects at least one channel of disbursement, as payment canal recommended to the user according to total score is recommended from multiple channel of disbursement
Road.
Specifically, according to the recommendation total score of each channel, multiple channel of disbursement are ranked up, and from multiple channel of disbursement
Middle at least one channel of disbursement of selection, as channel of disbursement recommended to the user.
In one embodiment, the highest channel of total score is recommended in selection from multiple channel of disbursement, recommends as to user
Channel of disbursement.In one example, flower, the recommendation total score of China Merchants Bank's credit card and QIWI wallets be respectively 0.575,0.218
With 0.207.Accordingly, can will flower be determined as channel of disbursement recommended to the user.Further, as shown in figure 4, user can be with
Selection is directly paid the bill according to the channel of disbursement that payment platform is recommended.
In another embodiment, it can be recommended by multiple channel of disbursement according to according to the sequence for recommending total score to determine
User.In one example, flower, the recommendation total score of China Merchants Bank's credit card and QIWI wallets be respectively 1.49,1.39 and 1.85.According to
This, can to flower, China Merchants Bank's credit card and QIWI wallets be ranked up (QIWI wallets, flower and China Merchants Bank's credit card) after be presented to
User.As shown in figure 5, user can be made quickly to navigate to the channel of disbursement (e.g., QIWI wallets) for wishing selection, and then complete to pay
Money operates.
From the foregoing, it will be observed that in the recommendation method for the channel of disbursement that multiple embodiments that this specification discloses provide, first, ring
It should be asked in the delivery operation of user, determine optional multiple channel of disbursement corresponding with delivery operation request.Then, it obtains and more
A relevant at least one characterization factor of channel of disbursement, and determine that each channel of disbursement corresponds to each spy in multiple channel of disbursement
Levy the recommender score of the factor.Then, according to recommender score, the recommendation total score of each channel of disbursement is determined, and according to recommending total score,
At least one channel of disbursement is selected from multiple channel of disbursement, as channel of disbursement recommended to the user.By using this side
Method can integrate many factors and recommend channel of disbursement more particularly suitable under present circumstances to user, so that user is directly logical
It crosses the channel of disbursement recommended and delivery operation is rapidly completed, or can quickly navigate to hope when user switches channel of disbursement and select
Channel of disbursement, and then complete delivery operation.
Fig. 6 is a kind of recommendation method flow diagram for channel of disbursement that one embodiment that this specification discloses provides.It is described
The executive agent of method can be the equipment with processing capacity：Server either system or device.For example, the clothes in Fig. 1
Business device.As shown in fig. 6, the method specifically includes：
Step S610 constructs channel hierarchical structure.
In one embodiment, channel hierarchical structure as shown in Figure 7 is constructed.In this configuration, including destination layer, criterion
Layer and solution layer.Wherein, destination layer includes predeterminated target " channel recommendation "；Rule layer includes to realize involved by predeterminated target
And intermediate link, can specifically include the region factor, the success rate factor, cost factor, operation the factor and user individual because
Son；Solution layer includes to realize the alternative various schemes of predeterminated target, that is, various channel of disbursement yn, such as candidate
Channel y1、y2And y3。
Step S620 constructs pairwise comparison matrix.
In one embodiment, consider 5 characterization factors：The region factor (x1), the success rate factor (x2), cost factor
(x3), the operation factor (x4) and the user individual factor (x5).Accordingly, Paired Comparisons may be used and obtains pairwise comparison matrix：
Step S630, makees consistency check.
Specifically, theoretically analysis obtains：If C is completely the same pairwise comparison matrix, for element therein
cijShould have：
cijcjk=cik, 1≤i, j, k≤n (1)
But it is impossible that above-mentioned numerous equatioies are actually required to meet when constructing pairwise comparison matrix.Therefore it moves back and wants
Pairwise comparison matrix is asked to have certain consistency, you can there are a degree of inconsistencies to allow pairwise comparison matrix.
By analysis it is found that completely the same pairwise comparison matrix, the characteristic value of maximum absolute value is equal to the matrix
Dimension.To the coherence request of pairwise comparison matrix, it is converted into：The characteristic value of maximum absolute value and the dimension difference of the matrix are not
Greatly.
Step S640, total hierarchial sorting and decision.
In one embodiment, it is assumed that from three candidate channel y1,y2, y3In select one generally be most suitable for above-mentioned five
The channel of the factor.In this regard, to three channel y=y1,y2,y3, it is respectively compared their the region factor (x1), the success rate factor
(x2), cost factor (x3), the operation factor (x4) and the user individual factor (x5)。
The region factor for first comparing three candidate channels in pairs, obtains Paired comparison matrix：
It is computed, D1(y) weight vector ωx1(y)=(0.082,0.244,0.674), ωx1(y) can intuitively be considered as
Score of each channel in weight factor.
Similarly, it is respectively compared the success rate factor of three candidate channels, cost factor runs the factor, user individual
The factor obtains Paired comparison matrix：
By can be calculated, corresponding weight vector is respectively ωx2(y)=(0.606,0.265,0.129), ωx3(y)=
(0.429,0.429,0.143)、ωx4(y)=(0.636,0.185,0.179), ωx5(y)=(0.167,0.167,0.667).
They can be respectively seen as the corresponding region Factor minute of each channel, success rate Factor minute, cost factor point and operation Factor minute.
Finally calculate the total score of each channel.y1Must be divided into：
From above formula it is found that y1Total score ωz(y1) it is actually y1Each condition score ωx1(y1),ωx2(y1),…,ωx5
(y1) weighted average, weights are exactly the importance of each condition, can be obtained by Matrix C.Y can similarly be obtained2And y2It is scored at
ωz(y2)=0.243, ωz(y3)=0.452, it is specific as shown in table 8.
Table 8
| 0.457 | 0.263 | 0.051 | 0.103 | 0.126 | Total score | |
| y1 | 0.082 | 0.606 | 0.429 | 0.636 | 0.167 | 0.305 |
| y2 | 0.244 | 0.265 | 0.429 | 0.185 | 0.167 | 0.243 |
| y3 | 0.674 | 0.129 | 0.143 | 0.179 | 0.167 | 0.452 |
It can be obtained by table 8, the ranking of three candidate channels is y3>y1>y2, can recommend optimal channel to user accordingly
y3。
From the foregoing, it will be observed that in the recommendation method for the channel of disbursement that multiple embodiments that this specification discloses provide, first, ring
It should be asked in the delivery operation of user, determine optional multiple channel of disbursement corresponding with delivery operation request.Then, it obtains and more
The relevant at least one characterization factor of feature of a channel of disbursement, and determine that each channel of disbursement corresponds in multiple channel of disbursement
The recommender score of each characterization factor.Then, according to recommender score, the recommendation total score of each channel of disbursement is determined, and according to pushing away
Total score is recommended, at least one channel of disbursement is selected from multiple channel of disbursement, as channel of disbursement recommended to the user.Pass through sampling
This method can make user that delivery operation directly be rapidly completed by the channel of disbursement of recommendation, or when user switches payment canal
The channel of disbursement for wishing to select can be quickly navigated to when road, and then completes delivery operation.
Accordingly with the recommendation method of the above-mentioned means of payment, multiple embodiments that this specification discloses also provide a kind of payment
The recommendation apparatus of mode, as shown in figure 8, the device includes：
First determination unit 810 is asked for the delivery operation in response to user, and determination is corresponding with delivery operation request can
Multiple channel of disbursement of choosing；
Acquiring unit 820, for obtaining and the relevant at least one characterization factor of multiple channel of disbursement；
Second determination unit 830, for determining, each channel of disbursement corresponds to each characterization factor in multiple channel of disbursement
Recommender score；
Third determination unit 840, for according to recommender score, determining the recommendation total score of each channel of disbursement；
Processing unit 850 is made for according to total score is recommended, at least one channel of disbursement to be selected from multiple channel of disbursement
For channel of disbursement recommended to the user.
In a kind of possible embodiment, the second determination unit 830 specifically includes：
First determination subelement 831, for determine in multiple channel of disbursement each channel of disbursement correspond to each feature because
The characteristic information of son；
Second determination subelement 832, for determining that each channel of disbursement corresponds to each characterization factor according to characteristic information
Recommender score.
In a kind of possible embodiment, at least one characterization factor that acquiring unit 820 obtains include success rate because
Son, the characteristic information that the first determination subelement 831 determines include payment success rate；Second determination unit 830 is specifically used for：
Determine the payment success rate of each channel of disbursement in the given time in multiple channel of disbursement；
According to payment success rate, determine that each channel of disbursement corresponds to the recommender score of the success rate factor.
In a kind of possible embodiment, at least one characterization factor that acquiring unit 820 obtains includes the operation factor,
The characteristic information that first determination subelement 831 determines includes favor information；Second determination unit 830 is specifically used for：
Obtain favor information of each channel of disbursement corresponding to predetermined instant in multiple channel of disbursement；
According to favor information, determine that each channel of disbursement corresponds to the recommender score of the operation factor.
In a kind of possible embodiment, at least one characterization factor that acquiring unit 820 obtains includes user personality
Change the factor, the characteristic information that the first determination subelement 831 determines includes sequence setting information；Second determination unit 830 is specifically used
In：
User is obtained in predetermined instant to the sequence setting information of multiple channel of disbursement；
According to sequence setting information, determine that each channel of disbursement corresponds to the recommender score of the user individual factor.
In a kind of possible embodiment, at least one characterization factor that acquiring unit 820 obtains includes the region factor,
The characteristic information that first determination subelement 831 determines includes regional information；Second determination unit 830 is specifically used for：
It obtains delivery operation and asks corresponding regional information；
According to regional information, determine that each channel of disbursement corresponds to the recommender score of the region factor.
In a kind of possible embodiment, at least one characterization factor that acquiring unit 820 obtains includes cost factor,
The characteristic information that first determination subelement 831 determines includes cost feature value, and the second determination unit 830 is specifically used for：
Obtain the corresponding cost feature value of each channel of disbursement in multiple channel of disbursement；
According to cost feature value, determine that each channel of disbursement corresponds to the recommender score of cost factor.
In a kind of possible embodiment, the second determination unit 830 is specifically used for：
For each characterization factor, the channel pairwise comparison matrix that multiple channel of disbursement correspond to this feature factor is constructed,
Element a in channel pairwise comparison matrixijIndicate recommendations of the channel i relative to channel j；
According to channel pairwise comparison matrix, determine that each channel of disbursement corresponds to the recommender score of this feature factor.
In a kind of possible embodiment, the recommendation in the second determination unit 830 is based on channel i relative to channel j
Characteristic information under the character pair factor and determine.
In a kind of possible embodiment, third determination unit 840 is specifically used for：
Obtain the weights corresponding to each characterization factor at least one characterization factor；
The recommender score for corresponding to each characterization factor according to weights and each channel of disbursement, determines pushing away for the channel of disbursement
Recommend total score.
In a kind of possible embodiment, the weights in third determination unit 840 are predefined by following steps：
Construct the factor pairwise comparison matrix of at least one characterization factor, the element b in factor pairwise comparison matrixijIt indicates
Importance of the characterization factor i relative to characterization factor j；
According to factor pairwise comparison matrix, the weights corresponding to each characterization factor are determined.
From the foregoing, it will be observed that in the recommendation apparatus for the channel of disbursement that multiple embodiments that this specification discloses provide, first, the
One determination unit 810 is asked in response to the delivery operation of user, determines optional multiple payment canals corresponding with delivery operation request
Road.Then, acquiring unit 820 obtains the relevant at least one characterization factor of feature with multiple channel of disbursement, and second determines list
Member 830 determines that each channel of disbursement is corresponding to the recommender score of each characterization factor in multiple channel of disbursement.Then, third determines
Unit 840 determines the recommendation total score of each channel of disbursement according to recommender score, and processing unit 850 is according to recommending total score, from multiple
At least one channel of disbursement is selected in channel of disbursement, as channel of disbursement recommended to the user.By sampling this method, can make
Directly delivery operation is rapidly completed by the channel of disbursement of recommendation in user, or can quickly determine when user switches channel of disbursement
Delivery operation is completed to the channel of disbursement for wishing to select in position.
It will be appreciated that in said one or multiple examples, this specification discloses more those skilled in the art
A embodiment described function can be realized with hardware, software, firmware or their arbitrary combination.When using software realization
When, these functions can be stored in computer-readable medium or be referred to as the one or more on computer-readable medium
It enables or code is transmitted.
Above-described specific implementation mode to the purpose of multiple embodiments of this specification disclosure, technical solution and has
Beneficial effect has been further described, it should be understood that the foregoing is merely multiple embodiments that this specification discloses
Specific implementation mode, be not used to limit this specification disclose multiple embodiments protection domain, it is all in this explanation
On the basis of the technical solution for multiple embodiments that book discloses, any modification, equivalent substitution, improvement and etc. done should all wrap
It includes within the protection domain for multiple embodiments that this specification discloses.
Claims (22)
1. a kind of recommendation method of channel of disbursement, which is characterized in that including：
In response to the delivery operation request of user, optional multiple channel of disbursement corresponding with delivery operation request are determined；
It obtains and the relevant at least one characterization factor of the multiple channel of disbursement；
Determine that each channel of disbursement is corresponding to the recommender score of each characterization factor in the multiple channel of disbursement；
According to the recommender score, the recommendation total score of each channel of disbursement is determined；
According to the recommendation total score, at least one channel of disbursement is selected from the multiple channel of disbursement, as to the user
The channel of disbursement of recommendation.
2. according to the method described in claim 1, it is characterized in that, each payment canal in the multiple channel of disbursement of the determination
Road corresponds to the recommender score of each characterization factor, including：
Determine that each channel of disbursement is corresponding to the characteristic information of each characterization factor in the multiple channel of disbursement；
Determine that each channel of disbursement corresponds to the recommender score of each characterization factor according to the characteristic information.
3. according to the method described in claim 2, it is characterized in that, at least one characterization factor includes the success rate factor,
The characteristic information includes payment success rate；Each channel of disbursement corresponds to each spy in the multiple channel of disbursement of determination
The recommender score of the factor is levied, including：
Determine the payment success rate of each channel of disbursement in the given time in the multiple channel of disbursement；
According to the payment success rate, determine that each channel of disbursement corresponds to the recommender score of the success rate factor.
4. according to the method described in claim 2, it is characterized in that, at least one characterization factor includes runing the factor, institute
It includes favor information to state characteristic information；In the multiple channel of disbursement of determination each channel of disbursement correspond to each feature because
The recommender score of son, including：
Obtain favor information of each channel of disbursement corresponding to predetermined instant in multiple channel of disbursement；
According to the favor information, determine that each channel of disbursement corresponds to the recommender score of the operation factor.
5. according to the method described in claim 2, it is characterized in that, at least one characterization factor include user individual because
Son, the characteristic information include sequence setting information；Each channel of disbursement corresponds in the multiple channel of disbursement of determination
The recommender score of each characterization factor, including：
Obtain sequence setting information of the user in predetermined instant to the multiple channel of disbursement；
According to the sequence setting information, determine that each channel of disbursement corresponds to the recommender score of the user individual factor.
6. according to the method described in claim 2, it is characterized in that, at least one characterization factor includes the region factor, institute
It includes regional information to state characteristic information；In the multiple channel of disbursement of determination each channel of disbursement correspond to each feature because
The recommender score of son, including：
It obtains the delivery operation and asks corresponding regional information；
According to the regional information, determine that each channel of disbursement corresponds to the recommender score of the region factor.
7. according to the method described in claim 2, it is characterized in that, at least one characterization factor includes cost factor, institute
It includes cost feature value to state characteristic information, and each channel of disbursement corresponds to each feature in the multiple channel of disbursement of determination
The recommender score of the factor, including：
Obtain the corresponding cost feature value of each channel of disbursement in the multiple channel of disbursement；
According to the cost feature value, determine that each channel of disbursement corresponds to the recommender score of cost factor.
8. according to claim 1-7 any one of them methods, which is characterized in that each in the multiple channel of disbursement of determination
A channel of disbursement corresponds to the recommender score of each characterization factor, including：
For each characterization factor, the channel for constructing the multiple channel of disbursement corresponding to this feature factor compares square in pairs
Gust, the element a in the channel pairwise comparison matrixijIndicate recommendations of the channel i relative to channel j；
According to the channel pairwise comparison matrix, determine that each channel of disbursement corresponds to the recommender score of this feature factor.
9. according to the method described in claim 8, it is characterized in that, the recommendation is based on channel i relative to channel j in correspondence
Characteristic information under characterization factor and determine.
10. according to the method described in claim 1, it is characterized in that, the recommendation total score of the determination each channel of disbursement,
Including：
Obtain the weights corresponding to each characterization factor at least one characterization factor；
The recommender score for corresponding to each characterization factor according to the weights and each channel of disbursement, determines the channel of disbursement
Recommendation total score.
11. according to the method described in claim 10, it is characterized in that, the weights are predefined by following steps：
Construct the factor pairwise comparison matrix of at least one characterization factor, the element b in the factor pairwise comparison matrixij
Indicate importance of the characterization factor i relative to characterization factor j；
According to the factor pairwise comparison matrix, the weights corresponding to each characterization factor are determined.
12. a kind of recommendation apparatus of channel of disbursement, which is characterized in that including：
First determination unit is asked for the delivery operation in response to user, and determination is corresponding optional with delivery operation request
Multiple channel of disbursement；
Acquiring unit, for obtaining and the relevant at least one characterization factor of the multiple channel of disbursement；
Second determination unit, for determining, each channel of disbursement corresponds to pushing away for each characterization factor in the multiple channel of disbursement
Recommend score；
Third determination unit, for according to the recommender score, determining the recommendation total score of each channel of disbursement；
Processing unit is made for according to the recommendation total score, at least one channel of disbursement to be selected from the multiple channel of disbursement
For the channel of disbursement recommended to the user.
13. device according to claim 12, which is characterized in that second determination unit specifically includes：
First determination subelement, for determining, each channel of disbursement corresponds to each characterization factor in the multiple channel of disbursement
Characteristic information；
Second determination subelement, for determining that each channel of disbursement corresponds to each characterization factor according to the characteristic information
Recommender score.
14. device according to claim 13, which is characterized in that at least one characterization factor that the acquiring unit obtains
Including the success rate factor, the characteristic information that first determination subelement determines includes payment success rate；Described second determines list
Member is specifically used for：
Determine the payment success rate of each channel of disbursement in the given time in the multiple channel of disbursement；
According to the payment success rate, determine that each channel of disbursement corresponds to the recommender score of the success rate factor.
15. device according to claim 13, which is characterized in that at least one characterization factor that the acquiring unit obtains
Including runing the factor, the characteristic information that first determination subelement determines includes favor information；The second determination unit tool
Body is used for：
Obtain favor information of each channel of disbursement corresponding to predetermined instant in multiple channel of disbursement；
According to the favor information, determine that each channel of disbursement corresponds to the recommender score of the operation factor.
16. device according to claim 13, which is characterized in that at least one characterization factor that the acquiring unit obtains
Including the user individual factor, the characteristic information that first determination subelement determines includes sequence setting information；Described second
Determination unit is specifically used for：
Obtain sequence setting information of the user in predetermined instant to the multiple channel of disbursement；
According to the sequence setting information, determine that each channel of disbursement corresponds to the recommender score of the user individual factor.
17. device according to claim 13, which is characterized in that at least one characterization factor that the acquiring unit obtains
Including the region factor, the characteristic information that first determination subelement determines includes regional information；The second determination unit tool
Body is used for：
It obtains the delivery operation and asks corresponding regional information；
According to the regional information, determine that each channel of disbursement corresponds to the recommender score of the region factor.
18. device according to claim 13, which is characterized in that at least one characterization factor that the acquiring unit obtains
Including cost factor, the characteristic information that first determination subelement determines includes cost feature value, second determination unit
It is specifically used for：
Obtain the corresponding cost feature value of each channel of disbursement in the multiple channel of disbursement；
According to the cost feature value, determine that each channel of disbursement corresponds to the recommender score of cost factor.
19. according to claim 12-18 any one of them devices, which is characterized in that second determination unit is specifically used for：
For each characterization factor, the channel for constructing the multiple channel of disbursement corresponding to this feature factor compares square in pairs
Gust, the element a in the channel pairwise comparison matrixijIndicate recommendations of the channel i relative to channel j；
According to the channel pairwise comparison matrix, determine that each channel of disbursement corresponds to the recommender score of this feature factor.
20. device according to claim 19, which is characterized in that the recommendation in second determination unit is based on channel
I is determined relative to characteristic informations of the channel j under the character pair factor.
21. device according to claim 12, which is characterized in that the third determination unit is specifically used for：
Obtain the weights corresponding to each characterization factor at least one characterization factor；
The recommender score for corresponding to each characterization factor according to the weights and each channel of disbursement, determines the channel of disbursement
Recommendation total score.
22. device according to claim 21, which is characterized in that the weights in the third determination unit pass through following step
It is rapid to predefine：
Construct the factor pairwise comparison matrix of at least one characterization factor, the element b in the factor pairwise comparison matrixij
Indicate importance of the characterization factor i relative to characterization factor j；
According to the factor pairwise comparison matrix, the weights corresponding to each characterization factor are determined.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810085646.2A CN108399195A (en) | 2018-01-29 | 2018-01-29 | The recommendation method and device of channel of disbursement |
| TW107145197A TW201933217A (en) | 2018-01-29 | 2018-12-14 | Payment channel recommendation method and device |
| PCT/CN2019/070022 WO2019144783A1 (en) | 2018-01-29 | 2019-01-02 | Payment channel recommendation method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810085646.2A CN108399195A (en) | 2018-01-29 | 2018-01-29 | The recommendation method and device of channel of disbursement |
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| CN201810085646.2A Pending CN108399195A (en) | 2018-01-29 | 2018-01-29 | The recommendation method and device of channel of disbursement |
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| Country | Link |
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| CN (1) | CN108399195A (en) |
| TW (1) | TW201933217A (en) |
| WO (1) | WO2019144783A1 (en) |
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| CN110033252A (en) * | 2018-11-29 | 2019-07-19 | 阿里巴巴集团控股有限公司 | A kind of channel of disbursement recommended method and device |
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Also Published As
| Publication number | Publication date |
|---|---|
| TW201933217A (en) | 2019-08-16 |
| WO2019144783A1 (en) | 2019-08-01 |
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