CN108932614A - A kind of payment channel method for routing and system - Google Patents
A kind of payment channel method for routing and system Download PDFInfo
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- CN108932614A CN108932614A CN201810834209.6A CN201810834209A CN108932614A CN 108932614 A CN108932614 A CN 108932614A CN 201810834209 A CN201810834209 A CN 201810834209A CN 108932614 A CN108932614 A CN 108932614A
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Abstract
The present invention discloses a kind of payment channel method for routing and system, it is capable of the service level of payment request and trade company based on user, dynamic select goes out payment channel of high quality and at a reasonable price and handles this payment transaction, and the channel use cost of payment tissue is reduced while promoting user and paying experience.This method includes that the first model and quality services parameter the second model of building are constructed based on the infrastructure service parameter that payment tissue has accessed payment channel；Grade of service vector QR corresponding with current trade company's quality services level is established with reference to the historical transaction record of current trade company, grade of service vector QR is identical as the dimension of any vector in the second model；The payment request for obtaining user filters out the payment channel ID for supporting payment request from the first model, while exporting corresponding matching vector Qs from the second model based on payment channel IDi；According to grade of service vector QR and matching vector Qsi, calculate and match optimal payment channel ID.The system includes the method that above scheme is mentioned.
Description
Technical field
The present invention relates to internet payment technical field more particularly to a kind of payment channel method for routing and systems.
Background technique
With the continuous development of internet electronic business, online payment is key link and development in electronic commerce procedure
One of bottleneck, and pay tissue, such as Third-party payment, non-gold payment clearance platform, for online payment provide one it is feasible
Realization means.Fund " halfpace " of the tissue as both parties in process of exchange is paid, by all kinds of with the whole nation
Bank carries out signing cooperation, calls all kinds of channel interfaces of bank's offer to realize that network trading is paid.
Usually payment tissue can access the payment clearance channel of each of whole nation bank, and the transaction of different payment channels limits
Volume, transaction rate, the Account Type of support, Card Type, transaction success rate etc. are all different.Payment tissue pay this extra of how comforming is logical
In road, the payment channel for selecting good, the inexpensive high success rate of consumer experience is the critical issue in financial payment field.It is existing
Payment channel selection method be by preset fixed channel or based on preset channel weight sequence configuration of transaction mostly
Passway by, and these methods do not consider channel real-time status and channel cost, this leads to the Fail Transaction of one side channel
Rate is very high, and the experience of consumer is poor；On the other hand the payment channel of selection is at high cost, leads to the costly of payment transaction.
Summary of the invention
The purpose of the present invention is to provide a kind of payment channel method for routing and systems, can be based on the payment request of user
And the service level of trade company, dynamic select payment channel of high quality and at a reasonable price handle this payment transaction, promote user to realize
The channel use cost of payment tissue is reduced while payment experience.
To achieve the goals above, an aspect of of the present present invention provides a kind of payment channel method for routing, comprising:
The infrastructure service parameter for having accessed payment channel based on payment tissue constructs the first model and quality services parameter
Construct the second model；
With reference to current trade company historical transaction record establish the grade of service corresponding with current trade company's quality services level to
QR is measured, the grade of service vector QR is identical as the dimension of any vector in second model；
The payment request for obtaining user, filters out the payment channel for supporting the payment request from first model
ID, while corresponding matching vector Qs is exported from second model based on the payment channel IDi；
According to the grade of service vector QR and matching vector Qsi, calculate and match optimal payment channel ID.
Preferably, first model is the matrix of n*m, and second model is the matrix of n*h；
Wherein, n is the payment channel ID quantity for paying tissue access, and m is the infrastructure service of payment channel ID mapping
Number of parameters, the corresponding infrastructure service parameter of the i-th payment channel include type of service, limit amount, support Card Type, branch
Hold one of Account Type, Bank Name or a variety of；
H is the quality services number of parameters of payment channel ID mapping, the corresponding quality services of the i-th payment channel
Parameter indicates channel payment cost score, t1Disk time score, t are averagely returned in period channel2Period channel is averagely returned the disk time and is obtained
Divide, t1Period channel pays success rate score and t2Period channel pays success rate score.
Preferably, the payment cost score calculation formula of the i-th payment channel is
I-th payment channel averagely returns the calculation formula of disk time score in the t period are as follows:
Wherein, atiIt is the i-th payment channel in nearest t
Period averagely returns disk time, μtiDisk time average, σ are returned in the nearest t period for the i-th payment channeltiFor the i-th payment channel
Disk time variance value is returned in the nearest t period；
I-th payment channel pays the calculation formula of success rate score in the t period are as follows:
Wherein, si is the state of i-th payment channel the last time transaction,For the i-th payment
Total transaction stroke count of the channel within the nearest t period,For the i-th payment channel it is t minutes nearest in Successful Transaction stroke count.
Further, it is established and the horizontal corresponding clothes of current trade company's quality services with reference to the historical transaction record of current trade company
Be engaged in ranking vector QR, grade of service vector QR method packet identical with the dimension of any vector in second model
It includes:
The historical transaction record that current trade company is extracted from database is analyzed from the historical transaction record to payment cost
Susceptibility, to t1The susceptibility of disk time is averagely returned, to t in period channel2The susceptibility, right of disk time is averagely returned in period channel
t1Period channel pays the susceptibility of success rate, to t2The susceptibility of period channel payment success rate；
Assignment is corresponded to according to the analysis result of the historical transaction record, obtains the grade of service vector QR.
Preferably, the payment request for obtaining user filters out the branch for supporting the payment request from first model
Channel ID is paid, while corresponding matching vector Qs is exported from second model based on the payment channel IDiMethod packet
It includes:
The payment request of user is obtained, payment transaction message is extracted；
Infrastructure service demand parameter is extracted from payment transaction message, the infrastructure service demand parameter includes payment tissue
One of ID, type of service, limit amount, support Card Type, support Account Type, Bank Name are a variety of；
Payment requirement vector BR is generated based on the infrastructure service demand parameter；
The vector BS to match with the requirement vector BR is filtered out from first modeli, record its corresponding branch
Channel ID is paid, and exports corresponding matching vector Qs from second model based on the payment channel ID is correspondingi。
Further, the vector BS to match with the requirement vector BR is filtered out from first modeli, record it
Corresponding payment channel ID, and corresponding matching vector is exported from second model based on the payment channel ID is corresponding
QsiMethod include:
By by the corresponding vector BS of the i-th payment channel in requirement vector BR and the first modeliDot-product operation is done, when | |
BR·BSi| |=| | BR | | when, filter out the vector BS with requirement vector BR equal lengthi；
Until whole vector operations of first model finish, statistical vector BSiCorresponding payment channel ID；
Based on the payment channel ID filtered out, the corresponding output matching vector Qs from second modeli。
Preferably, according to the grade of service vector QR and matching vector Qsi, calculate and match optimal PayPal
The method of road ID includes:
Using optimal channel calculation formulaCalculate the grade of service vector QR
Respectively with each matching vector QsiSimilarity value, wherein f is the quantity of the payment channel ID filtered out, qrjFor the clothes
J-th of infrastructure service element in business ranking vector QR, qsijFor the corresponding matching vector Qs of the i-th payment channeliIn j-th of mass
Service element；
The corresponding payment channel ID of maximum value is chosen from the similarity value as optimal channel.
Compared with prior art, payment channel method for routing provided by the invention has the advantages that
The payment channel that current payment tissue has accessed is obtained, by the infrastructure service parameter structure for analyzing each payment channel
Build the first model for reflecting each payment channel infrastructure service ability, and the quality services parameter by analyzing each payment channel
Building reflects the second model of each payment channel quality services ability, wherein infrastructure service parameter is that payment channel can be complete
At the fundamental of this payment transaction, i.e., the transaction whether is supported to request, generally includes type of service, limit amount, branch
Hold type, support Account Type, Bank Name etc.；Quality services parameter is that evaluation payment channel completes this payment transaction clothes
The element for quality of being engaged in generally includes payment cost, response time and branch for reflecting user or paying the payment experience of tissue
Pay success rate etc., it should be noted that the quality services parameter in the second model can be according to the real trade state of payment channel
Dynamic changes.
In addition, being graded according to the historical transaction record of current trade company to its service level, and rating result is converted
At grade of service vector QR, in actual operation, the value of grade of service vector QR can also be by payment tissue according to the war of trade company
Slightly relationship manually adjusts, after the first model, the second model and grade of service vector QR are determined, in the payment for receiving user
When request, the payment channel ID for supporting the payment request is filtered out from the first model first, is then based on the payment filtered out
Channel ID finds corresponding matching vector Qs from the second modeli, service is calculated separately followed by optimal channel calculation formula
The similarity value of ranking vector QR and each matching vector extract maximum similarity value, its corresponding payment channel ID is set
The transaction of this payment request is handled for optimal payment channel ID.
As it can be seen that with payment transaction constantly occur the historical transaction record of current trade company also can dynamic change, therefore support
The payment channel of this payment transaction also can dynamically change, and in order to guarantee that each payment transaction can be brought most to user
The channel cost of payment tissue is experienced and is reduced to the greatest extent in good payment, and the present invention is based on the historical transaction record of dynamic change realities
The grade of service vector QR of Shi Gengxin trade company, and similar angle value maximum is filtered out from the second model of dynamic change
With vector Qsi, this payment transaction is completed using optimal payment channel, and then promote the stability of payment services, helps to pay
Cost efficiency is organized, realizes the sustainable development of business and sustainable.
Another aspect of the present invention provides a kind of payment channel route system, applied to one kind described in above-mentioned technical proposal
In payment channel method for routing, the system comprises:
Modeling unit, the infrastructure service parameter for having accessed payment channel based on payment tissue construct the first model, with
And quality services parameter constructs the second model；
Grade of service evaluation unit is established and current trade company's quality services for the historical transaction record with reference to current trade company
The dimension phase of the horizontal corresponding grade of service vector QR, the grade of service vector QR and any vector in second model
Together；
Base power screening unit filters out from first model for obtaining the payment request of user and supports institute
State the payment channel ID of payment request, at the same based on the payment channel ID exported from second model it is corresponding match to
Measure Qsi；
Optimal channel selecting unit, for according to the grade of service vector QR and matching vector Qsi, calculate matching
Optimal payment channel ID out.
Preferably, the grade of service evaluation unit includes the first extraction module, susceptibility setup module and assignment module；
First extraction module from database for extracting the historical transaction record of current payment tissue；
The susceptibility setup module is used to extract the historical transaction record of current trade company from database, from the history
Transaction record is analyzed to the susceptibility of payment cost, to t1The susceptibility of disk time is averagely returned, to t in period channel2Period channel is flat
Return the susceptibility of disk time, to t1Period channel pays the susceptibility of success rate, to t2The sensitivity of period channel payment success rate
Degree；
The assignment module is used to correspond to assignment according to the analysis result of the historical transaction record, obtains described service etc.
Grade vector QR.
Preferably, the base power screening unit includes that payment request obtains module, the second extraction module, transactions demand
Conversion module and matching screening module；
The payment request obtains the payment request that module is used to obtain user, extracts payment transaction message；
Second extraction module is used to extract infrastructure service demand parameter, the infrastructure service from payment transaction message
Demand parameter includes one of type of service, limit amount, support Card Type, support Account Type, Bank Name or a variety of；
The transactions demand conversion module is used to generate payment requirement vector BR based on the infrastructure service demand parameter；
It is described matching screening module be used for filtered out from first model with the requirement vector BR match to
Measure BSi, its corresponding payment channel ID is recorded, and based on the corresponding output pair from second model of the payment channel ID
The matching vector Qs answeredi。
Compared with prior art, the beneficial effect of payment channel route system provided by the invention is mentioned with above-mentioned technical proposal
The beneficial effect of the payment channel method for routing of confession is identical, and this will not be repeated here.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present invention, constitutes a part of the invention, this hair
Bright illustrative embodiments and their description are used to explain the present invention, and are not constituted improper limitations of the present invention.In the accompanying drawings:
Fig. 1 is the flow diagram of payment channel method for routing in the embodiment of the present invention one；
Fig. 2 is the structural block diagram of payment channel route system in the embodiment of the present invention two.
Appended drawing reference:
1- modeling unit, 2- grade of service evaluation unit；
3- base power screening unit, 4- optimal channel selecting unit；
The first extraction module of 21-, 22- susceptibility setup module；
23- assignment module, 31- payment request obtain module；
The second extraction module of 32-, 33- transactions demand conversion module；
34- matches screening module.
Specific embodiment
In order to make the foregoing objectives, features and advantages of the present invention clearer and more comprehensible, implement below in conjunction with the present invention
Attached drawing in example, technical scheme in the embodiment of the invention is clearly and completely described.Obviously, described embodiment
Only a part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, the common skill in this field
Art personnel all other embodiment obtained without creative labor belongs to the model that the present invention protects
It encloses.
Embodiment one
Fig. 1 is the flow diagram of payment channel method for routing in the embodiment of the present invention one.Referring to Fig. 1, the present embodiment
A kind of payment channel method for routing is provided, comprising:
The infrastructure service parameter for having accessed payment channel based on payment tissue constructs the first model and quality services parameter
Construct the second model；Service corresponding with current trade company's quality services level etc. is established with reference to the historical transaction record of current trade company
Grade vector QR, grade of service vector QR is identical as the dimension of any vector in the second model；The payment request for obtaining user, from
The payment channel ID for supporting payment request is filtered out in first model, while being exported from the second model pair based on payment channel ID
The matching vector Qs answeredi；According to grade of service vector QR and matching vector Qsi, calculate and match optimal payment channel ID.
When it is implemented, the payment channel that current payment tissue has accessed is obtained, by the base for analyzing each payment channel
The building of plinth service parameter reflects the first model of each payment channel infrastructure service ability, and by analyzing each payment channel
The building of quality services parameter reflects the second model of each payment channel quality services ability, wherein infrastructure service parameter is branch
Whether the fundamental of this payment transaction can be completed by paying channel, i.e., the transaction is supported to request, generally include type of service,
Limit amount, support Card Type, support Account Type, Bank Name etc.；Quality services parameter is that evaluation payment channel is completed to be somebody's turn to do
The element of payment transaction service quality, for reflecting user or pay the payment experience of tissue, generally include payment cost,
Response time and payment success rate etc., it should be noted that the quality services parameter in the second model can be according to payment channel
Real trade state dynamic changes.
In addition, being graded according to the historical transaction record of current trade company to its service level, and rating result is converted
At grade of service vector QR, in actual operation, the value of grade of service vector QR can also be by payment tissue according to the war of trade company
Slightly relationship manually adjusts, after the first model, the second model and grade of service vector QR are determined, in the payment for receiving user
When request, the payment channel ID for supporting the payment request is filtered out from the first model first, is then based on the payment filtered out
Channel ID finds corresponding matching vector Qs from the second modeli, service is calculated separately followed by optimal channel calculation formula
The similarity value of ranking vector QR and each matching vector extract maximum similarity value, its corresponding payment channel ID is set
The transaction of this payment request is handled for optimal payment channel ID.
As it can be seen that with payment transaction constantly occur the historical transaction record of current trade company also can dynamic change, therefore support
The payment channel of this payment transaction also can dynamically change, and in order to guarantee that each payment transaction can be brought most to user
The channel cost of payment tissue is experienced and is reduced to the greatest extent in good payment, and the present invention is based on the historical transaction record of dynamic change realities
The grade of service vector QR of Shi Gengxin trade company, and similar angle value maximum is filtered out from the second model of dynamic change
With vector Qsi, this payment transaction is completed using optimal payment channel, and then promote the stability of payment services, helps to pay
Cost efficiency is organized, realizes the sustainable development of business and sustainable.
Illustratively, the first model is the matrix of n*m, and the second model is the matrix of n*h；Wherein, n is payment tissue access
Payment channel ID quantity, m be payment channel ID mapping infrastructure service number of parameters, the i-th payment channel it is corresponding basis clothes
Business parameter includes one of type of service, limit amount, support Card Type, support Account Type, Bank Name or a variety of；h
For the quality services number of parameters of payment channel ID mapping, the corresponding quality services parameter of the i-th payment channel indicates channel payment
Cost score, t1Disk time score, t are averagely returned in period channel2Disk time score, t are averagely returned in period channel1The payment of period channel
Success rate score and t2Period channel pays success rate score.
When it is implemented, the corresponding infrastructure service vector of the i-th payment channel in the first model are as follows:
BSi=
[BTi1..., BTip, AMi1..., AMiq, ACi1... ACir, CTi1... CTis, BIDi1..., BIDit]；
Wherein, the size of infrastructure service vector is 1*m, wherein m=p+q+r+s+t, it should be noted that p, q, r, s, t
For the number of the corresponding characteristic value of every infrastructure service parameter, BT indicates type of service, if type of service includes payment BTi1, look into
Ask BTi2, verifying BTi3This 3 seed type, then the value of p corresponds to 3；AM indicate limit amount, if limit amount include [1,
5000]AMi1, [5000,10000] AMi2, [10000,50000] AMi3, [500000, MAX] AMi4Totally 4 grades of amounts, the then value of q
Correspond to 4；AC indicates to support Card Type, if support Card Type includes personal account ACi1, business account ACi2This 2 seed type, then
The value of r is 2；CT indicates to support Account Type, if support Account Type includes debit card CTi1, credit card CTi2This 2 type
Type, then the value of s is 2；BID is Bank Name, if including Bank of China BIDi1, agricultural bank BIDi2, industrial and commercial bank BIDi3、
Construction Bank BIDi4, China Citic Bank BIDi5This 5 banks, then the value of t is 5.In the actual operation process, the present embodiment is not
The number of project and characteristic value to infrastructure service parameter is defined, and those skilled in the art can freely increase and decrease according to demand.
The corresponding quality services vector of the i-th payment channel in second model:
QSi=[Coi, SuRt1, SuRt2, RpTt1, RpTt2]；Wherein, CoiIndicate channel payment cost score, SuRt1
Indicate t1Period channel average response time score, SuRt2 indicate t2Period channel average response time score, RpTt1 indicate t1
Period channel pays success rate score, RpTt2 indicates t2Period channel pays success rate score.
It is understood that above-mentioned first model is 0-1 matrix, parameter value is 0 or 1, wherein 1 represents support, 0 is represented
It does not support；Above-mentioned second model parameter value is [0,1], more high-quality closer to 1 explanation this parameter service quality.
It should be noted that the payment cost score calculation formula of the i-th payment channel is in above-described embodimentWherein, CostiFor the payment cost of the i-th payment channel.
I-th payment channel is to pass through the historical trading in each channel in the calculation method that the t period averagely returns disk time score
The disk time is returned, obtaining the t period averagely returns the disk time, then calculates t period mean value and variance, then returning according to the last time transaction
The disk time returns disk time score in the nearest t period by the new probability formula update t period, its calculation formula isWherein, atiFor the i-th payment channel putting down in the nearest t period
Return disk time, μtiDisk time average, σ are returned in the nearest t period for the i-th payment channeltiIt is the i-th payment channel in nearest t
Section returns disk time variance value；
I-th payment channel is in the calculation method that the t period pays success rate score, passes through the historical trading in each channel
State calculates the payment success rate of payment channel in the nearest t period, then according to the state of the last payment transaction, more
Channel success rate in the new t period recently, its calculation formula is:
Wherein, si is the state of i-th payment channel the last time transaction,For the i-th payment
Total transaction stroke count of the channel within the nearest t period,For the i-th payment channel it is t minutes nearest in Successful Transaction stroke count.
Further, it is established and current trade company's quality services in above-described embodiment with reference to the historical transaction record of current trade company
The horizontal grade of service vector QR, the grade of service vector QR method identical with the dimension of any vector in the second model accordingly
Include:
The historical transaction record that current trade company is extracted from database is analyzed from the historical transaction record to payment cost
Susceptibility, to t1The susceptibility of disk time is averagely returned, to t in period channel2The susceptibility, right of disk time is averagely returned in period channel
t1Period channel pays the susceptibility of success rate, to t2The susceptibility of period channel payment success rate；Remembered according to the historical trading
The analysis result of record corresponds to assignment, obtains the grade of service vector QR.
It is emphasized that in actual operation, except the above-mentioned historical transaction record assignment with reference to current trade company is taken
It is engaged in other than the method for ranking vector QR, can also manually adjust grade of service vector according to the strategy relations of trade company by payment tissue
QR increases the flexibility of its assignment.
When it is implemented, obtaining the method for grade of service vector QR such as using the historical transaction record assignment of current trade company
Under, the historical transaction record by extracting all trade companies from database statisticallys analyze, for the moment according to certain in historical transaction record
Between the data such as turnover, trading volume of section the quality services level correspondence of all trade companies is divided into A, B, C, D, E totally 5 etc.
Grade, and the trade company for falling into corresponding grade is subjected to artificial assignment, form grade of service vector.Above-mentioned assignment range is [- 1,1],
Assigned result indicates that susceptibility is higher closer to 1, this index, such as arrearage trade company or wind are more repelled in closer -1 representative
Dangerous event etc. indicates that susceptibility is lower closer to 0, and when value is equal to 0, it represents and is indifferent to this index completely,
Commonly used in the high-quality trade company of emphasis.It is graded by the quality services level to current trade company, can make to deploy to working as in real time
The configuration of preceding trade company's payment channel, forces trade company to optimize the service ability of itself；Illustratively, each grade is corresponding with service level
Relationship is as follows:
Emphasis A grade: disregard payment cost, t1Low-response time period, t2Low-response time period, t1The payment of period height
Success rate, t2Period height pays success rate；
Emphasis B grade: disregard payment cost, t1Period lower response time, t2Period lower response time, t1Period is high
Pay success rate, t2Period height pays success rate；
Common C grade: in low payment cost, t1Period medium response time, t2Period medium response time, t1Period compared with
Height payment success rate, t2Period higher payments success rate；
Common D grade: low payment cost, t1Period medium response time, t2Period medium response time, t1Period is medium
Pay success rate, t2Period medium payment success rate；
Severe E grade: low payment cost, t1Period high response time, t2Period high response time, t1Period it is low payment at
Power, t2Period low payment success rate.
Illustratively, t1Period takes 3 minutes, t2Period takes 30 minutes, and the vector that artificial assignment is formed is as follows；
The corresponding grade of service vector of emphasis A grade are as follows:
QRA=[0,0.9,0.9,0.9,0.9]；
The corresponding grade of service vector of emphasis B grade are as follows:
QRB=[0,0.8,0.7,0.9,0.9 ,]；
The commonly corresponding grade of service vector of C grade are as follows:
QRC=[0.6,0.5,0.5,0.8,0.8]；
The commonly corresponding grade of service vector of D grade are as follows:
QRD=[0.9,0.5,0.5,0.5,0.5]；
The badly corresponding grade of service vector of E grade are as follows:
QRE=[0.9,0.3,0.3, -0.5, -0.5].
Specifically, the payment request that user is obtained in above-described embodiment, filters out support payment request from the first model
Payment channel ID, while corresponding matching vector Qs is exported from the second model based on payment channel IDiMethod include:
The payment request of user is obtained, payment transaction message is extracted；Infrastructure service demand is extracted from payment transaction message
Parameter, infrastructure service demand parameter include payment organization id, type of service, limit amount, support Card Type, support account class
One of type, Bank Name are a variety of；Payment requirement vector BR is generated based on infrastructure service demand parameter；From the first model
Filter out the vector BS to match with requirement vector BRi, its corresponding payment channel ID is recorded, and corresponding based on payment channel ID
Corresponding matching vector Qs is exported from the second modeli。
When it is implemented, can recognize gathering trade company by trade company ID, and call the payment channel processing of gathering trade company configuration
The fundamental in transaction request, including type of service, limit amount, support Card Type, branch are extracted in transaction request
One of Account Type, Bank Name or a variety of are held, the requirement vector formed based on above-mentioned fundamental
BR=[BT1..., BTp, AM1..., AMq, AC1..., ACr, CT1..., CTs, BID1..., BIDt].Demand
Vector BR is identical as the vector BSi dimension in the first model, and it is 1 table that the corresponding value of vector element, which is that 0 expression does not need,
Show needs.For example, user is using personal 40000 yuan of debit payments of Construction Bank, then corresponding requirement vector BR=[1,0,0,
1,1,1,0,1,0,1,0,0,0,0,1,0]。
Further, the vector BS to match with requirement vector BR is filtered out from the first modeli, record its corresponding branch
Channel ID is paid, and exports corresponding matching vector Qs from the second model based on payment channel ID is correspondingiMethod include:
By by the corresponding vector BS of the i-th payment channel in requirement vector BR and the first modeliDot-product operation is done, when | |
BR·BSi| |=| | BR | | when, filter out the vector BS with requirement vector BR equal lengthi；Until whole vectors of the first model
Operation finishes, statistical vector BSiCorresponding payment channel ID；It is corresponding from the second model based on the payment channel ID filtered out
Export matching vector Qsi。
Further, according to grade of service vector QR and matching vector Qs in above-described embodimenti, calculating matches optimal
The method of payment channel ID includes:
Using optimal channel calculation formulaCalculate grade of service vector QR difference
With each matching vector QsiSimilarity value, wherein f is the quantity of the payment channel ID filtered out, qrjFor grade of service vector QR
In j-th of infrastructure service element, qsijFor the corresponding matching vector Qs of the i-th payment channeliIn j-th of quality services element；From phase
Like the corresponding payment channel ID of selection maximum value in angle value as optimal channel.
Least cost, minimum response time can be filtered out by optimal channel calculation formula and compared with the branch of high success rate
It pays channel and handles this payment transaction, on the one hand can greatly improve transaction success rate, promote payment transaction experience；Another party
Face it is most satisfied can to pick out trade company for different trade companies to channel cost, success rate and the tendency degree for returning the factors such as disk time
Super quality and competitive price payment channel.The payment channel method for routing provided through this embodiment is able to ascend the stabilization of payment services
Property, payment mechanism cost efficiency is helped, trade company is maintained and stablizes, to realize business sustainable development and sustainable.
Embodiment two
Fig. 1 and Fig. 2 are please referred to, the present embodiment provides a kind of payment channel route systems, comprising:
Modeling unit 1, the infrastructure service parameter for having accessed payment channel based on payment tissue construct the first model, with
And quality services parameter constructs the second model；
Grade of service evaluation unit 2 is established for the historical transaction record with reference to current trade company and is taken with current trade company's quality
The business horizontal corresponding grade of service vector QR, grade of service vector QR is identical as the dimension of any vector in the second model；
Base power screening unit 3 filters out support payment from the first model and asks for obtaining the payment request of user
The payment channel ID asked, while corresponding matching vector Qs is exported from the second model based on payment channel IDi；
Optimal channel selecting unit 4, for according to grade of service vector QR and matching vector Qsi, calculating matches optimal
Payment channel ID.
Specifically, grade of service evaluation unit includes the first extraction module 21, susceptibility setup module 22 and assignment module
23；
First extraction module 21 from database for extracting the historical transaction record of current payment tissue；
Susceptibility setup module 22 is used to extract the historical transaction record of current trade company from database, remembers from historical trading
Record is analyzed to the susceptibility of payment cost, to t1The susceptibility of disk time is averagely returned, to t in period channel2Disk is averagely returned in period channel
The susceptibility of time, to t1Period channel pays the susceptibility of success rate, to t2The susceptibility of period channel payment success rate；
Assignment module 23 is used to correspond to assignment according to the analysis result of historical transaction record, obtains grade of service vector QR.
Specifically, base power screening unit 3 includes payment request acquisition module 31, the second extraction module 32, trading needs
Ask conversion module 33 and matching screening module 34；
Payment request obtains the payment request that module 31 is used to obtain user, extracts payment transaction message；
Second extraction module 32 is used to extract infrastructure service demand parameter, infrastructure service demand ginseng from payment transaction message
Number includes one of type of service, limit amount, support Card Type, support Account Type, Bank Name or a variety of；
Transactions demand conversion module 33 is used to generate payment requirement vector BR based on infrastructure service demand parameter；
Matching screening module 34 from the first model for filtering out the vector BS to match with requirement vector BRi, record
Its corresponding payment channel ID, and corresponding matching vector Qs is exported from the second model based on payment channel ID is correspondingi。
Compared with prior art, the beneficial effect of payment channel route system provided in an embodiment of the present invention and above-mentioned implementation
The beneficial effect for the payment channel method for routing that example one provides is identical, and this will not be repeated here.
It will appreciated by the skilled person that realizing that all or part of the steps in foregoing invention method is can to lead to
Program is crossed to instruct relevant hardware and complete, above procedure can store in computer-readable storage medium, the program
When being executed, each step including above-described embodiment method, and storage medium may is that ROM/RAM, magnetic disk, CD, storage
Card etc..
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can easily think of the change or the replacement, and should all contain
Lid is within protection scope of the present invention.Therefore, protection scope of the present invention should be based on the protection scope of the described claims.
Claims (10)
1. a kind of payment channel method for routing characterized by comprising
The first model and the building of quality services parameter are constructed based on the infrastructure service parameter that payment tissue has accessed payment channel
Second model；
Grade of service vector QR corresponding with current trade company's quality services level is established with reference to the historical transaction record of current trade company,
The grade of service vector QR is identical as the dimension of any vector in second model；
The payment request for obtaining user, filters out the payment channel ID for supporting the payment request, together from first model
When corresponding matching vector Qs exported from second model based on the payment channel IDi；
According to the grade of service vector QR and matching vector Qsi, calculate and match optimal payment channel ID.
2. the method according to claim 1, wherein first model is the matrix of n*m, second model
For the matrix of n*h；
Wherein, n is the payment channel ID quantity for paying tissue access, and m is the infrastructure service parameter of payment channel ID mapping
Quantity, the corresponding infrastructure service parameter of the i-th payment channel include type of service, limit amount, support Card Type, support account
One of family type, Bank Name are a variety of；
H is the quality services number of parameters of payment channel ID mapping, the corresponding quality services parameter of the i-th payment channel
Indicate channel payment cost score, t1Disk time score, t are averagely returned in period channel2Disk time score, t are averagely returned in period channel1
Period channel pays success rate score and t2Period channel pays success rate score.
3. according to the method described in claim 2, it is characterized in that, the payment cost score calculation formula of the i-th payment channel is
I-th payment channel averagely returns the calculation formula of disk time score in the t period are as follows:
Wherein, atiIt is the i-th payment channel in the nearest t period
Averagely return disk time, μtiDisk time average, σ are returned in the nearest t period for the i-th payment channeltiIt is the i-th payment channel most
The nearly t period returns disk time variance value；
I-th payment channel pays the calculation formula of success rate score in the t period are as follows:
Wherein, si is the state of i-th payment channel the last time transaction,For the i-th payment channel
Total transaction stroke count within the nearest t period,For the i-th payment channel it is t minutes nearest in Successful Transaction stroke count.
4. the method according to claim 1, wherein with reference to current trade company historical transaction record establish with it is current
Trade company's quality services horizontal corresponding grade of service vector QR, the grade of service vector QR and any in second model
The identical method of the dimension of vector includes:
The historical transaction record that current trade company is extracted from database is analyzed from the historical transaction record to the quick of payment cost
Sensitivity, to t1The susceptibility of disk time is averagely returned, to t in period channel2The susceptibility of disk time is averagely returned, to t in period channel1When
Duan Tongdao pays the susceptibility of success rate, to t2The susceptibility of period channel payment success rate；
Assignment is corresponded to according to the analysis result of the historical transaction record, obtains the grade of service vector QR.
5. the method according to claim 1, wherein the payment request of user is obtained, from first model
The payment channel ID for supporting the payment request is filtered out, while being exported from second model based on the payment channel ID
Corresponding matching vector QsiMethod include:
The payment request of user is obtained, payment transaction message is extracted；
From payment transaction message extract infrastructure service demand parameter, the infrastructure service demand parameter include payment organization id,
One of type of service, limit amount, support Card Type, support Account Type, Bank Name are a variety of；
Payment requirement vector BR is generated based on the infrastructure service demand parameter；
The vector BS to match with the requirement vector BR is filtered out from first modeli, record its corresponding payment channel
ID, and corresponding matching vector Qs is exported from second model based on the payment channel ID is correspondingi。
6. according to the method described in claim 5, it is characterized in that, being filtered out from first model and the requirement vector
The vector BS that BR matchesi, its corresponding payment channel ID is recorded, and corresponding from described second based on the payment channel ID
Corresponding matching vector Qs is exported in modeliMethod include:
By by the corresponding vector BS of the i-th payment channel in requirement vector BR and the first modeliDot-product operation is done, when | | BR
BSi| |=| | BR | | when, filter out the vector BS with requirement vector BR equal lengthi；
Until whole vector operations of first model finish, statistical vector BSiCorresponding payment channel ID；
Based on the payment channel ID filtered out, the corresponding output matching vector Qs from second modeli。
7. according to the method described in claim 6, it is characterized in that, according to the grade of service vector QR and the matching vector
Qsi, calculating the method for matching optimal payment channel ID includes:
Using optimal channel calculation formulaCalculate the grade of service vector QR respectively with
Each matching vector QsiSimilarity value, wherein f is the quantity of the payment channel ID filtered out, qrjFor the grade of service
J-th of infrastructure service element, qs in vector QRijFor the corresponding matching vector Qs of the i-th payment channeliIn j-th quality services member
Element；
The corresponding payment channel ID of maximum value is chosen from the similarity value as optimal channel.
8. a kind of payment channel route system characterized by comprising
Modeling unit, the infrastructure service parameter for having accessed payment channel based on payment tissue construct the first model, Yi Jizhi
It measures service parameter and constructs the second model；
Grade of service evaluation unit is established horizontal with current trade company's quality services for the historical transaction record with reference to current trade company
The corresponding grade of service vector QR, the grade of service vector QR are identical as the dimension of any vector in second model；
Base power screening unit filters out from first model for obtaining the payment request of user and supports the branch
The payment channel ID of request is paid, while corresponding matching vector is exported from second model based on the payment channel ID
Qsi；
Optimal channel selecting unit, for according to the grade of service vector QR and matching vector Qsi, calculate and match most
Excellent payment channel ID.
9. system according to claim 8, which is characterized in that the grade of service evaluation unit includes the first extraction mould
Block, susceptibility setup module and assignment module；
First extraction module from database for extracting the historical transaction record of current payment tissue；
The susceptibility setup module is used to extract the historical transaction record of current trade company from database, from the historical trading
It records and analyzes to the susceptibility of payment cost, to t1The susceptibility of disk time is averagely returned, to t in period channel2Period channel is averagely returned
The susceptibility of disk time, to t1Period channel pays the susceptibility of success rate, to t2The susceptibility of period channel payment success rate；
The assignment module is used to according to the analysis result of the historical transaction record correspond to assignment, obtain the grade of service to
Measure QR.
10. system according to claim 8, which is characterized in that the base power screening unit includes that payment request obtains
Modulus block, the second extraction module, transactions demand conversion module and matching screening module；
The payment request obtains the payment request that module is used to obtain user, extracts payment transaction message；
Second extraction module is used to extract infrastructure service demand parameter, the infrastructure service demand from payment transaction message
Parameter includes one of type of service, limit amount, support Card Type, support Account Type, Bank Name or a variety of；
The transactions demand conversion module is used to generate payment requirement vector BR based on the infrastructure service demand parameter；
The matching screening module from first model for filtering out the vector BS to match with the requirement vector BRi,
Record its corresponding payment channel ID, and export corresponding from second model based on the payment channel ID is corresponding
With vector Qsi。
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| TWI712970B (en) * | 2019-01-04 | 2020-12-11 | 開曼群島商創新先進技術有限公司 | Payment channel recommendation method and system and computer readable storage medium |
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