CN108428009A - A kind of channel distribution method and device - Google Patents
A kind of channel distribution method and device Download PDFInfo
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- CN108428009A CN108428009A CN201810141470.8A CN201810141470A CN108428009A CN 108428009 A CN108428009 A CN 108428009A CN 201810141470 A CN201810141470 A CN 201810141470A CN 108428009 A CN108428009 A CN 108428009A
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Abstract
The present invention is suitable for field of computer technology, provides a kind of channel distribution method and device, the method includes：Receive the service request of user's typing；According to the preset channel grade of service and business channel characteristic state, currently available business channel is screened, and obtains optimal business channel；The service request is executed by the optimal business channel.In the embodiment of the present invention, using the above method, artificial treatment is may not need, cost of labor can be saved, working efficiency is improved, and different service requests can be directed to, selects optimal business channel, can be very good the growth requirement for meeting this kind of business of internet finance.
Description
Technical field
The invention belongs to Internet technical field more particularly to a kind of channel distribution method and devices.
Background technology
With the continuous development of internet finance, payment transaction pattern is constantly brought forth new ideas on line, and on line and line
The continuous fusion of lower business, required channel type is increasing, meanwhile, to prevent single channel due to closing or unavailable etc.
Reason causes the interruption of business, generally can all dock multiple same type channels to ensure, when main channel is unavailable, there is spare canal
Road can continue the normal operation of supporting business.
At present, it is common practice to need to be handled by artificial or system, suitable channel is selected to carry out business
Processing, but since channel quantity is incremental in geometry shape, in addition the characteristic of each channel is also not quite similar, therefore, using artificial place
Manage less efficient, cost and risk all can be very big, and hysteresis quality is serious, and uses system processing mode, and there are processing modes
Single, there are one-sidedness, can not be adjusted in real time into Mobile state, also, when being designed into more complex routing, it is also desirable to pass through people
Work intervention causes cost of labor higher, therefore can not meet the development need of internet finance class business very well.
Invention content
The embodiment of the present invention provides a kind of channel distribution method and device, it is intended to solve in the prior art, exist manually at
It is this height, less efficient, and the problem of the development need of internet finance class business can not be met very well.
The embodiment of the present invention is achieved in that a kind of channel distribution method, includes the following steps：
Receive the service request of user's typing；
According to the preset channel grade of service and business channel characteristic state, currently available business channel is sieved
Choosing, and obtain optimal business channel；
The service request is executed by the optimal business channel.The embodiment of the present invention additionally provides a kind of channel distribution
Device, including：
Service request transmission unit, the service request for receiving user terminal transmission；
Optimal business channel acquiring unit is used for according to the preset channel grade of service and business channel characteristic state,
Currently available business channel is screened, and obtains optimal business channel；
Service request execution unit, for executing the service request by the optimal business channel.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Without artificial treatment, cost of labor can be saved, improves working efficiency, and can needle
To different service requests, optimal business channel is selected, can be very good the development for meeting this kind of business of internet finance
Demand.
Description of the drawings
Fig. 1 is the implementation flow chart for the channel distribution method that the embodiment of the present invention one provides；
Fig. 2 is the implementation flow chart of channel grade of service acquisition methods provided by Embodiment 2 of the present invention；
Fig. 3 is the implementation flow chart for the channel distribution method that the embodiment of the present invention three provides；
Fig. 4 is the implementation flow chart that the embodiment of the present invention five provides optimal business channel acquisition methods；
Fig. 5 is the structural schematic diagram for the channel distributor that the embodiment of the present invention six provides；
Fig. 6 is the structural schematic diagram for the channel distributor that the embodiment of the present invention seven provides；
Fig. 7 is the structural schematic diagram for the channel distributor that the embodiment of the present invention eight provides；
Fig. 8 is the structural schematic diagram that the embodiment of the present invention ten provides optimal business channel acquiring unit.
Specific implementation mode
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Without artificial treatment, cost of labor can be saved, improves working efficiency, and can needle
To different service requests, optimal business channel is selected, can be very good the development for meeting this kind of business of internet finance
Demand.
Embodiment one,
Fig. 1 shows the implementation process for the channel distribution method that the embodiment of the present invention one provides, and details are as follows:
In step s 110, the service request that user terminal is sent is received.
In embodiments of the present invention, service request can be the industry such as payment request, authentication request, recognition of face request
Business.
Specifically, user can be by installing the client typing service request on the subscriber terminal, or can pass through the use
The plug-in unit typing of application program service request in the terminal of family, or can also directly pass through the webpage typing service request.
Wherein, user terminal is intelligent terminal, intelligent terminal include such as mobile phone, smart phone, laptop,
Digit broadcasting receiver, PDA (personal digital assistant), PAD (tablet computer), PMP (portable media player), navigation dress
The fixed terminal of the mobile terminal and such as number TV, desktop computer etc. set etc..
In the step s 120, according to the preset channel grade of service and business channel characteristic state, to currently available industry
Business channel is screened, and obtains optimal business channel.
In embodiments of the present invention, business channel characteristic state includes but not limited to the trading limit of business channel, transaction
Parallel amount, the usage time range of business channel.
In embodiments of the present invention, each business channel includes the characteristic information of business channel, therefore, can be by each canal
The characteristic information in road is compared with business channel characteristic state, and excludes not meeting the business canal of the business channel characteristic state
Road, for example, the business channel characteristic state is specifically, trading limit is higher than 500, and usage time is then merchandised at 9 o'clock of the morning
Limit does not include the business channel at 9 o'clock less than 500 and/or within the scope of usage time, then is excluded.
In embodiments of the present invention, the preset channel grade of service is the priority of business channel, specifically can be according to default
Sampling rule, score business channel, and according to the height of the scoring, arrange the priority orders of business channel, than
Such as, the scoring of business channel A is 90 points, and the scoring of business channel B is 80 points, the scoring of business channel C is 95 points, then corresponding
Priority orders are business channel C>Business channel A>Business channel B.
Specifically, the original scoring of each channel is disposed as 100 points, which can be business channel
The scoring situation of business feature, for example, when the service feature of business channel includes trading limit, the parallel amount of transaction and uses
Between range then plus 10 points, when less than 1000, then subtract 10 when trading limit is higher than 1000 point, there are 5 transaction to need when current
It handles, does not then deduct points, often increase a transaction, then subtract 5 point, when merchandising less than 5, then plus 10 points, when service request
Between when being not at usage time range, then subtract 10 point, then add 10 points when the time of service request is in the usage time range, with
It being illustrated for business channel A, the current trading limit of business channel A is 800, and there is currently 7 pending transaction, and
And ranging from 1 point of usage time is to 8 points at night, and 3 o'clock in the afternoon initiation time of the service request, then it can calculate the industry
Score=100-10-10+10=90 points of business channel A.
In step s 130, the service request is executed by the optimal business channel.
In embodiments of the present invention, after filtering out optimal business channel, executing service request by the business channel can
For different service requests, optimal business channel is selected, can be very good the hair for meeting this kind of business of internet finance
Exhibition demand.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Without artificial treatment, cost of labor can be saved, improves working efficiency, and can needle
To different service requests, optimal business channel is selected, can be very good the development for meeting this kind of business of internet finance
Demand.
Embodiment two,
Fig. 2 shows the implementation processes of channel grade of service acquisition methods provided by Embodiment 2 of the present invention, with implementation
Example one is similar, the difference is that, the method further includes：
In step S210, according to preset sampling rule, the standard value of currently available business channel is calculated.
In embodiments of the present invention, the percentage shared by each business channel feature is may include in preset sampling rule
Example, raw percentage may be configured as 100%, or the score plus-minus situation corresponding to the service feature of each business channel, former
Beginning score may be configured as 100 points, for example, when the service feature of business channel includes trading limit, the parallel amount of transaction and is used
Time range, wherein total transaction amount degree accounts for 30%, and parallel amount of merchandising accounts for 40% and usage time ranging from 30%, with business
It is illustrated for channel D, the service feature of business channel D is that total transaction amount degree accounts for D, and parallel amount of merchandising accounts for D, and when use
Between range D, the then parallel amount D*40%+ usage time ranges D* of business channel D scores=total transaction amount degree D*30%+ transaction
30%.
In step S220, according to the standard value, business assessment, the business assessment packet are carried out to the business channel
Include the preset channel grade of service.
In embodiments of the present invention, the preset channel grade of service is the priority of business channel, specifically can be according to default
Sampling rule, score business channel, and according to the height of the scoring, arrange the priority orders of business channel, than
Such as, the scoring of business channel A is 90 points, and the scoring of business channel B is 80 points, the scoring of business channel C is 95 points, then corresponding
Priority orders are business channel C>Business channel A>Business channel B.
In embodiments of the present invention, business assessment further includes that channel real time health assessment of scenario and channel processing capacity are commented
Estimate, channel real time health assessment of scenario may include that current channel, specifically can be according to the feelings of channel feedback information with the presence or absence of exception
Condition is judged that channel processing capacity assesses the speed and success rate that may include channel processing business, specifically can be by real-time
All transaction complete informations in gathering line, and by complete information of merchandising obtain the assessment of channel real-time health condition and
Channel processing capacity is assessed.
Wherein, transaction complete information includes transaction metadata and channel response message, and transaction metadata includes trade company number, card
Number, name in an account book, certificate number, exchange hour, transaction results, channel return information, channel the information such as returns the result.
In embodiments of the present invention, the preset channel grade of service can be matched after receiving the service request of user
It sets, can also be configured in real time according to the service conditions of business channel, alternatively, can also shift to an earlier date according to different business
The information such as the characteristic of channel establish the grade of service model of different business channels, and when receiving service request, then calling should
Grade of service model.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Without artificial treatment, cost of labor can be saved, improves working efficiency, and can needle
To different service requests, optimal business channel is selected, can be very good the development for meeting this kind of business of internet finance
Demand.
Embodiment three,
Fig. 3 shows the implementation process for the channel distribution method that the embodiment of the present invention three provides, similar to embodiment one,
The difference is that the service request carries service feature parameter, according to the preset channel grade of service and business canal
Road characteristic state screens currently available business channel, and further includes before obtaining optimal business channel：
In step S310, business channel is screened according to the service feature parameter, multiple currently may be used with obtaining
With business channel.
In embodiments of the present invention, service feature parameter includes transaction amount, type of transaction, exchange hour, user identity
The information such as information, such as trade company's name, card number, family number and certificate number.
In embodiments of the present invention, after receiving service request, can go out meet business according to service feature choice of parameters
The business channel of request then excludes the business channel that limit is less than 1000 yuan, works as transaction for example, when transaction amount is 1000
When time was 9 o'clock, then the business channel for not including for 9 o'clock in exchange hour range is excluded, then remaining business channel is then
Meet the channel of current service request, is currently available channel.
In embodiments of the present invention, business channel is screened by the service feature parameter entrained by service request,
Without carrying out scoring calculating to the business channel that cannot be satisfied service request, reduces the working time, improve work efficiency, only
Optimal channel screening need to be carried out to available channel, it is convenient and efficient.
Example IV,
The embodiment of the present invention also four provides a kind of channel distribution method, similar to embodiment one, the difference is that,
The method further includes：
Assessment report corresponding with the business channel is exported to backstage manager, so that backstage manager's root
The sampling rule is adjusted according to the assessment report or the standard value is adjusted.
In embodiments of the present invention, assessment report includes that channel real time health assessment of scenario is reported, channel processing capacity is commented
Estimate report and the report of channel priority assessment, the report of channel real time health assessment of scenario may include current channel with the presence or absence of different
Normal assessment can specifically be judged that the assessment of channel processing capacity may include that channel is handled according to the case where channel feedback information
The assessment of the speed and success rate of business, specifically can be by all transaction complete informations in real-time gathering line, and pass through
Complete information of merchandising obtains the real-time health condition assessment of channel and the assessment of channel processing capacity, the report of channel priority assessment
It may include the assessment of the grade of service of channel.
In embodiments of the present invention, backstage manager can receive the corresponding assessment report of business channel, the assessment report
It accuses to be assessed according to the business of business channel and generate, backstage manager is currently real according to the assessment report and business channel
The processing capacity and health condition of the business channel on border are adjusted sampling rule so that business assessment is more accurate, can keep away
The information for exempting from acquisition is not complete, the accurate problem of Rating and Valuation Department caused by sampling rule is not perfect, by being adjusted to sampling rule,
To reach a suitable range so that assessment is more accurate.
Further, backstage manager can also directly be adjusted the standard value of business channel so that business channel
Scoring it is more true, can more accurately select optimal business channel.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Without artificial treatment, cost of labor can be saved, improves working efficiency, and can needle
To different service requests, optimal business channel is selected, can be very good the development for meeting this kind of business of internet finance
Demand.
Embodiment five,
Fig. 4 shows that the embodiment of the present invention five provides the implementation process of optimal business channel acquisition methods, with embodiment
One is similar, the difference is that, the business assessment further includes business channel characteristic state, described according to described channel business etc.
Grade, screens the currently available business channel, and obtain optimal business channel, including:
In step S410, according to the business channel characteristic state, exclude to be currently at busy or working as at full capacity
Preceding available service channel.
In embodiments of the present invention, the characteristic state of business channel includes the trading limit of currently available business channel, canal
The characteristic states such as road usage time range, channel business measure parallel, single trading limit.
In embodiments of the present invention, according to the characteristic state of business channel, the business for obtaining currently available channel is measured parallel,
It is measured parallel according to the business and the case where whether business channel is currently in busy or is at full capacity is judged, for example, can be arranged
The predetermined threshold value that one business is measured parallel, when higher than the predetermined threshold value, then it is assumed that whether business channel is currently in busy or place
In full load condition, for example, the predetermined threshold value can be 5, then business channel F currently has pending, the industry such as 10 service requests
Being engaged in, channel H is currently pending with 3 service requests etc., then business channel F is in busy condition or is in full load condition,
The demand of service request is not met, therefore does exclusion processing.
In embodiments of the present invention, it excludes to be in busy or business channel in full load condition, it can be to avoid industry
The business request stand-by period is long, and the business channel that can avoid is busier, and the more idle situation of other business channels goes out
It is existing, business channel can be managed collectively, be improved work efficiency, strengthen the raising of business channel processing capacity.
In the step s 420, according to the business channel characteristic state, continuous or indirect unknown transaction is excluded more than pre-
If the currently available business channel of threshold value.
In embodiments of the present invention, according to the characteristic state of business channel, the historical trading situation of business channel, root are obtained
Judge that business channel occurs with the presence or absence of the abnormal situation of transaction according to the historical trading situation, that is, whether continuous in business channel
Or unknown transaction is more than predetermined threshold value indirectly, for example, there are 3 continuous unknown transaction amount more than default in business channel K
The transaction amount that unknown transaction occur in the several transaction of the transaction of threshold value or certain interval of time or interval is more than predetermined threshold value
When, it is believed that there is exception in business channel, at this time exclude the business channel.
In embodiments of the present invention, the sequence of step S410 and step S420 in no particular order, can first carry out step S410
In, execute step S420, can also first carry out in step S420, execute step S410, can also be performed simultaneously step S410 with
And step S420.
In step S430, according to the channel grade of service, business canal optimal in remaining available service channel is obtained
Road.
In embodiments of the present invention, after excluding business channel through the above way, in remaining available service channel
In, according to the grade of service, optimal business channel is selected, and service request is executed by the optimal business channel.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Artificial treatment is may not need, cost of labor can be saved, improves working efficiency, and
It can be directed to different service requests, select optimal business channel, can be very good to meet this kind of business of internet finance
Growth requirement.
Embodiment six,
Fig. 5 shows that the structure for the channel distributor 500 that the embodiment of the present invention six provides only is shown for convenience of description
Go out and the relevant part of the embodiment of the present invention.
Channel distributor 500 includes service request transmission unit 51, optimal business channel acquiring unit 52 and business
Ask execution unit 53.
Service request transmission unit 51, the service request for receiving user terminal transmission.
In embodiments of the present invention, service request can be the industry such as payment request, authentication request, recognition of face request
Business.
Specifically, user can be by installing the client typing service request on the subscriber terminal, or can pass through the use
The plug-in unit typing of application program service request in the terminal of family, or can also directly pass through the webpage typing service request.
Wherein, user terminal is intelligent terminal, intelligent terminal include such as mobile phone, smart phone, laptop,
Digit broadcasting receiver, PDA (personal digital assistant), PAD (tablet computer), PMP (portable media player), navigation dress
The fixed terminal of the mobile terminal and such as number TV, desktop computer etc. set etc..
Optimal business channel acquiring unit 52, for according to the preset channel grade of service and business channel feature shape
Condition screens currently available business channel, and obtains optimal business channel.
In embodiments of the present invention, business channel characteristic state includes but not limited to the trading limit of business channel, transaction
Parallel amount, the usage time range of business channel.
In embodiments of the present invention, each business channel includes the characteristic information of business channel, therefore, can be by each canal
The characteristic information in road is compared with business channel characteristic state, and excludes not meeting the business canal of the business channel characteristic state
Road, for example, the business channel characteristic state is specifically, trading limit is higher than 500, and usage time is then merchandised at 9 o'clock of the morning
Limit does not include the business channel at 9 o'clock less than 500 and/or within the scope of usage time, then is excluded.
In embodiments of the present invention, the preset channel grade of service is the priority of business channel, specifically can be according to default
Sampling rule, score business channel, and according to the height of the scoring, arrange the priority orders of business channel, than
Such as, the scoring of business channel A is 90 points, and the scoring of business channel B is 80 points, the scoring of business channel C is 95 points, then corresponding
Priority orders are business channel C>Business channel A>Business channel B.
Specifically, the original scoring of each channel may be configured as 100 points, which can be business channel
Business feature scoring situation, for example, when the service feature of business channel includes trading limit, the parallel amount of transaction and is used
Time range then plus 10 points, when less than 1000, then subtracts 10 point, has 5 transaction when currently when trading limit is higher than 1000
It needs to handle, does not then deduct points, often increase a transaction, then subtract 5 point, when merchandising less than 5, then plus 10 points, when service request
When time is not at usage time range, then subtract 10 point, then add 10 points when the time of service request is in the usage time range,
It being illustrated by taking business channel A as an example, the current trading limit of business channel A is 800, and there is currently 7 pending transaction,
And ranging from 1 point of usage time is to 8 points at night, and 3 o'clock in the afternoon initiation time of the service request, then can calculate this
Score=100-10-10+10=90 of business channel A points.
Service request execution unit 53, for executing the service request by the optimal business channel.
In embodiments of the present invention, after filtering out optimal business channel, executing service request by the business channel can
For different service requests, optimal business channel is selected, can be very good the hair for meeting this kind of business of internet finance
Exhibition demand.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Without artificial treatment, cost of labor can be saved, improves working efficiency, and can needle
To different service requests, optimal business channel is selected, can be very good the development for meeting this kind of business of internet finance
Demand.
Embodiment seven,
Fig. 6 shows that the structure for the channel distributor 500 that the embodiment of the present invention seven provides only is shown for convenience of description
Go out and the relevant part of the embodiment of the present invention.
Described device further includes：Standard value computing unit 54 and business assessment unit 55.
Standard value computing unit 54, for according to preset sampling rule, calculating the standard value of currently available business channel.
In embodiments of the present invention, the percentage shared by each business channel feature is may include in preset sampling rule
Example, raw percentage may be configured as 100%, or the score plus-minus situation corresponding to the service feature of each business channel, former
Beginning score may be configured as 100 points, for example, when the service feature of business channel includes trading limit, the parallel amount of transaction and is used
Time range, wherein total transaction amount degree accounts for 30%, and parallel amount of merchandising accounts for 40% and usage time ranging from 30%, with business
It is illustrated for channel D, the service feature of business channel D is that total transaction amount degree accounts for D, and parallel amount of merchandising accounts for D, and when use
Between range D, the then parallel amount D*40%+ usage time ranges D* of business channel D scores=total transaction amount degree D*30%+ transaction
30%.
Business assessment unit 55, for according to the standard value, business assessment, the business to be carried out to the business channel
Assessment includes the preset channel grade of service.
In embodiments of the present invention, the preset channel grade of service is the priority of business channel, specifically can be according to default
Sampling rule, score business channel, and according to the height of the scoring, arrange the priority orders of business channel, than
Such as, the scoring of business channel A is 90 points, and the scoring of business channel B is 80 points, the scoring of business channel C is 95 points, then corresponding
Priority orders are business channel C>Business channel A>Business channel B.
In embodiments of the present invention, business assessment further includes that channel real time health assessment of scenario and channel processing capacity are commented
Estimate, channel real time health assessment of scenario may include that current channel, specifically can be according to the feelings of channel feedback information with the presence or absence of exception
Condition is judged that channel processing capacity assesses the speed and success rate that may include channel processing business, specifically can be by real-time
All transaction complete informations in gathering line, and by complete information of merchandising obtain the assessment of channel real-time health condition and
Channel processing capacity is assessed.
Wherein, transaction complete information includes transaction metadata and channel response message, and transaction metadata includes trade company number, card
Number, name in an account book, certificate number, exchange hour, transaction results, channel return information, channel the information such as returns the result.
In embodiments of the present invention, the preset channel grade of service can be matched after receiving the service request of user
It sets, can also be configured in real time according to the service conditions of business channel, alternatively, can also shift to an earlier date according to different business
The information such as the characteristic of channel establish the grade of service model of different business channels, and when receiving service request, then calling should
Grade of service model.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Without artificial treatment, cost of labor can be saved, improves working efficiency, and can needle
To different service requests, optimal business channel is selected, can be very good the development for meeting this kind of business of internet finance
Demand.
Embodiment eight,
Fig. 7 shows that the structure for the channel distributor 500 that the embodiment of the present invention eight provides only is shown for convenience of description
Go out and the relevant part of the embodiment of the present invention.
Channel distributor 500 further includes available service channel acquiring unit 56.
Available service channel acquiring unit 56, for being screened to business channel according to the service feature parameter, with
Obtain multiple currently available business channels.
In embodiments of the present invention, service feature parameter includes transaction amount, type of transaction, exchange hour, user identity
The information such as information, such as trade company's name, card number, family number and certificate number.
In embodiments of the present invention, after receiving service request, can go out meet business according to service feature choice of parameters
The business channel of request then excludes the business channel that limit is less than 1000 yuan, works as transaction for example, when transaction amount is 1000
When time was 9 o'clock, then the business channel for not including for 9 o'clock in exchange hour range is excluded, then remaining business channel is then
Meet the channel of current service request, is currently available channel.
In embodiments of the present invention, business channel is screened by the service feature parameter entrained by service request,
Without carrying out scoring calculating to the business channel that cannot be satisfied service request, reduces the working time, improve work efficiency, only
Optimal channel screening need to be carried out to available channel, it is convenient and efficient.
Embodiment nine,
The embodiment of the present invention additionally provides a kind of channel distributor, similar to embodiment six, the difference is that, institute
Stating device further includes：
Assessment report output unit, for exporting assessment report corresponding with the business channel to backstage manager,
So that the backstage manager sampling rule is adjusted according to the assessment report or to the standard value into
Row adjustment.
In embodiments of the present invention, assessment report includes that channel real time health assessment of scenario is reported, channel processing capacity is commented
Estimate report and the report of channel priority assessment, the report of channel real time health assessment of scenario may include current channel with the presence or absence of different
Normal assessment can specifically be judged that the assessment of channel processing capacity may include that channel is handled according to the case where channel feedback information
The assessment of the speed and success rate of business, specifically can be by all transaction complete informations in real-time gathering line, and pass through
Complete information of merchandising obtains the real-time health condition assessment of channel and the assessment of channel processing capacity, the report of channel priority assessment
It may include the assessment of the grade of service of channel.
In embodiments of the present invention, backstage manager can receive the corresponding assessment report of business channel, the assessment report
It accuses to be assessed according to the business of business channel and generate, backstage manager is currently real according to the assessment report and business channel
The processing capacity and health condition of the business channel on border are adjusted sampling rule so that business assessment is more accurate, can keep away
The information for exempting from acquisition is not complete, the accurate problem of Rating and Valuation Department caused by sampling rule is not perfect, by being adjusted to sampling rule,
To reach a suitable range so that assessment is more accurate.
Further, backstage manager can also directly be adjusted the standard value of business channel so that business channel
Scoring it is more true, can more accurately select optimal business channel.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Without artificial treatment, cost of labor can be saved, improves working efficiency, and can needle
To different service requests, optimal business channel is selected, can be very good the development for meeting this kind of business of internet finance
Demand.
Embodiment ten,
Fig. 8 shows that the embodiment of the present invention ten provides the structure of optimal business channel acquiring unit 52, for convenience of description,
It illustrates only and the relevant part of the embodiment of the present invention.
Optimal business channel acquiring unit 52 includes：First business channel excludes module 521, the second business channel excludes mould
Block 522 and optimal business channel acquisition module 523.
First business channel excludes module 521, for according to the business channel characteristic state, exclusion to be currently at busy
Or currently available business channel at full capacity.
In embodiments of the present invention, the characteristic state of business channel includes the trading limit of currently available business channel, canal
The characteristic states such as road usage time range, channel business measure parallel, single trading limit.
In embodiments of the present invention, according to the characteristic state of business channel, the business for obtaining currently available channel is measured parallel,
It is measured parallel according to the business and the case where whether business channel is currently in busy or is at full capacity is judged, for example, can be arranged
The predetermined threshold value that one business is measured parallel, when higher than the predetermined threshold value, then it is assumed that whether business channel is currently in busy or place
In full load condition, for example, the predetermined threshold value can be 5, then business channel F currently has pending, the industry such as 10 service requests
Being engaged in, channel H is currently pending with 3 service requests etc., then business channel F is in busy condition or is in full load condition,
The demand of service request is not met, therefore does exclusion processing.
In embodiments of the present invention, it excludes to be in busy or business channel in full load condition, it can be to avoid industry
The business request stand-by period is long, and the business channel that can avoid is busier, and the more idle situation of other business channels goes out
It is existing, business channel can be managed collectively, be improved work efficiency, strengthen the raising of business channel processing capacity.
Second business channel excludes module 522, for according to the business channel characteristic state, excluding continuous or indirect
Currently available business channel of the unknown transaction more than predetermined threshold value.
In embodiments of the present invention, according to the characteristic state of business channel, the historical trading situation of business channel, root are obtained
Judge that business channel occurs with the presence or absence of the abnormal situation of transaction according to the historical trading situation, that is, whether continuous in business channel
Or unknown transaction is more than predetermined threshold value indirectly, for example, there are 3 continuous unknown transaction amount more than default in business channel K
The transaction amount that unknown transaction occur in the several transaction of the transaction of threshold value or certain interval of time or interval is more than predetermined threshold value
When, it is believed that there is exception in business channel, at this time exclude the business channel.
Optimal business channel acquisition module 523, for according to the channel grade of service, obtaining remaining available service channel
In optimal business channel.
In embodiments of the present invention, after excluding business channel through the above way, in remaining available service channel
In, according to the grade of service, optimal business channel is selected, and service request is executed by the optimal business channel.
In the embodiment of the present invention, by the service request for receiving user terminal transmission；According to the preset channel grade of service
And business channel characteristic state, currently available business channel is screened, and obtain optimal business channel；By described
Optimal business channel executes the service request.Artificial treatment is may not need, cost of labor can be saved, improves working efficiency, and
It can be directed to different service requests, select optimal business channel, can be very good to meet this kind of business of internet finance
Growth requirement.
It will appreciated by the skilled person that all or part of step in realization above-described embodiment method is can
To instruct relevant hardware by program come what is completed, the program can be stored in a computer read/write memory medium
In, the storage medium, such as ROM/RAM, disk, CD, flash memory disk.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
All any modification, equivalent and improvement etc., should all be included in the protection scope of the present invention made by within refreshing and principle.
Claims (10)
1. a kind of channel distribution method, which is characterized in that the method includes：
Receive the service request that user terminal is sent；
According to the preset channel grade of service and business channel characteristic state, currently available business channel is screened, and
Obtain optimal business channel；
The service request is executed by the optimal business channel.
2. channel distribution method as described in claim 1, which is characterized in that the method further includes
According to preset sampling rule, the standard value of currently available business channel is calculated；
According to the standard value, business assessment is carried out to the business channel, the business assessment includes the preset channel
The grade of service.
3. channel distribution method as described in claim 1, which is characterized in that the service request carries service feature ginseng
Number, according to the preset channel grade of service and business channel characteristic state, screens currently available business channel, and obtain
It takes before optimal business channel and further includes：
Business channel is screened according to the service feature parameter, to obtain multiple currently available business channels.
4. channel distribution method as claimed in claim 2, which is characterized in that the method further includes：
Assessment report corresponding with the business channel is exported to backstage manager, so that the backstage manager is according to institute
Assessment report is stated to be adjusted the sampling rule or be adjusted the standard value.
5. channel distribution method as claimed in claim 2, which is characterized in that the business assessment further includes business channel feature
Situation, it is described according to the channel grade of service, the currently available business channel is screened, and obtain optimal business
Channel, including:
According to the business channel characteristic state, exclusion is currently at currently available business channel busy or at full capacity；
According to the business channel characteristic state, excludes continuous or unknown merchandise is more than the currently available industry of predetermined threshold value indirectly
Business channel；
According to the channel grade of service, business channel optimal in remaining available service channel is obtained.
6. a kind of channel distributor, which is characterized in that the method includes：
Service request receiving unit, the service request for receiving user terminal transmission；
Optimal business channel acquiring unit is used for according to the preset channel grade of service and business channel characteristic state, to working as
Preceding available service channel is screened, and obtains optimal business channel；
Service request execution unit, for executing the service request by the optimal business channel.
7. channel distributor as claimed in claim 6, which is characterized in that the method further includes
Standard value computing unit, for according to preset sampling rule, calculating the standard value of currently available business channel；
Business assessment unit, for according to the standard value, business assessment, the business assessment packet to be carried out to the business channel
Include the preset channel grade of service.
8. channel distributor as claimed in claim 6, which is characterized in that described device further includes：
Available service channel acquiring unit is more to obtain for being screened to business channel according to the service feature parameter
A currently available business channel.
9. channel distributor as claimed in claim 7, which is characterized in that the method further includes：
Assessment report output unit, for exporting assessment report corresponding with the business channel to backstage manager, so that
The backstage manager is adjusted the sampling rule according to the assessment report or is adjusted to the standard value
It is whole.
10. channel distributor as claimed in claim 7, which is characterized in that the optimal business channel acquiring unit, packet
It includes:
First business channel excludes module, for according to the business channel characteristic state, exclusion to be currently at busy or full
The currently available business channel of load；
Second business channel excludes module, for according to the business channel characteristic state, excluding continuous or indirect non-bosom friend
Easily it is more than the currently available business channel of predetermined threshold value；
Optimal business channel acquisition module, for according to the channel grade of service, obtaining optimal in remaining available service channel
Business channel.
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| CN201810141470.8A CN108428009A (en) | 2018-02-11 | 2018-02-11 | A kind of channel distribution method and device |
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| CN201810141470.8A CN108428009A (en) | 2018-02-11 | 2018-02-11 | A kind of channel distribution method and device |
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| CN108428009A true CN108428009A (en) | 2018-08-21 |
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| CN201810141470.8A Pending CN108428009A (en) | 2018-02-11 | 2018-02-11 | A kind of channel distribution method and device |
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