CN109191109A - The self-adapting regulation method and device of transaction routing rule - Google Patents
The self-adapting regulation method and device of transaction routing rule Download PDFInfo
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Abstract
The present invention proposes the self-adapting regulation method and device of a kind of routing rule of trading, which comprises the routing rule database of the transaction results building transaction according to history；The trigger event for adjusting the routing rule database is received, the historical trading result in designated time period is obtained；The routing rule database is adjusted according to the historical trading result, so that screening target transaction channel corresponding with the current transaction request according to routing rule database adjusted when receiving current transaction request and the target transaction channel being pushed to client.The present invention can intelligently adjust transaction routing rule according to the transaction results in designated time period, and provide the transaction routing rule of various dimensions, thus flexible selection target channel.
Description
Technical field
The present invention relates to financial technology field more particularly to a kind of self-adapting regulation methods and dress of routing rule of trading
It sets.
Background technique
With the depth integration of network technology and finance, efficient financial product transaction has become financial institution's product and sets
The main consideration content of meter necessarily refers to the selection of transaction channel in the process of exchange of financial product.Due in numerous friendships
In easy channel, the attribute of each channel is different, and its type of transaction supported is also different, for example, the timeliness of some channels is fast, has
The transaction cost of a little channels is low etc..Therefore, it can be comformed according to currently performed transaction content when financial products are traded
The target transaction channel suitable for user demand is selected in more transaction channels.It is necessarily related to when carrying out the selection of target transaction channel
And the rule of selection, as financial products are constantly innovated, the rule of selection target channel also should be constantly adapted to
The process of exchange of continuous renewal.
In existing technical solution, when the rule to selection target channel is adjusted, at least have the following deficiencies:
1, the regular dimension for providing selection target transaction channel is not diversified enough, and adaptation range is narrow；
2, the rule of adjustment selection target transaction channel that cannot be periodically intelligent according to the result of transaction；
3, applicable transaction scene is restricted, and is only limitted to the application scenarios of payment class, and the scope of application is small.
To sum up, in existing technical solution, select the regular dimension of transaction channel single, smaller scope of application, selection is handed over
The adjustment of the rule of easy channel is not smart enough.
Summary of the invention
The present invention provides the self-adapting regulation method and corresponding device and readable storage medium storing program for executing of a kind of routing rule of trading,
Main purpose is to adjust preset transaction routing rule according to the transaction results in specified time are periodically intelligent with continuous
Improve the accuracy of screening system target transaction channel.
The present invention also provides a kind of for executing the computer of the self-adapting regulation method of transaction routing rule of the invention
Equipment and readable storage medium storing program for executing.
To solve the above problems, the present invention uses the technical solution of following various aspects:
In a first aspect, the present invention provides a kind of self-adapting regulation method of routing rule of trading, which comprises
The routing rule database of transaction results building transaction according to history；
The trigger event for adjusting the routing rule database is received, the historical trading knot in designated time period is obtained
Fruit；
The routing rule database is adjusted according to the historical trading result, so that receiving current transaction request
When according to routing rule database adjusted screening target transaction channel corresponding with the current transaction request and will described in
Target transaction channel pushes to client.
Specifically, including a plurality of transaction channel, each transaction channel detailed data, each transaction in the routing rule database
The attribute information of channel, the priority of each transaction channel and transaction routing rule.
Specifically, the trigger event received for adjusting the routing rule database, specifically includes:
Receive the trigger event of automatic trigger in preset designated time period, when receiving transaction request automatic trigger or
Client triggers when sending adjustment request.
Specifically, the attribute information of the transaction channel includes following any one or any multinomial:
The cost of type of transaction, transaction that transaction channel is supported, the success rate of transaction, the timeliness of transaction, transaction canal
Account information bound in the scoring in road and transaction channel.
Specifically, described adjust the routing rule database according to the transaction results, specifically include:
The attribute information of each channel and the priority of each channel are adjusted according to the transaction results in the newest period, and
And attribute information according to each updated channel and priority calculate the scoring of each channel and are updated to the transaction channel
In database.
Preferably, further includes:
The low transaction channel of single transaction cost is scored and is improved, or the fast transaction channel of timeliness of trading is scored
It improves, or the high transaction channel of success rate is scored and is improved.
Specifically, the transaction routing rule includes following any one or any multinomial rule of combination:
Cost priority principle, timeliness optimum principle, probability of transaction optimum principle, correct matching rate priority principle.
Second aspect, the present invention provide a kind of self-adapting adjusting apparatus of routing rule of trading, and described device includes:
Routing rule database, wherein storing each transaction channel detailed data, the attribute information of transaction channel, each transaction
The priority and transaction routing rule of channel；
Receiving module obtains designated time period for receiving the trigger event for adjusting the routing rule database
Interior historical trading result；
Module is adjusted, for adjusting the routing rule database according to the historical trading result, so that receiving
According to routing rule database adjusted screening target friendship corresponding with the current transaction request when to current transaction request
The target transaction channel is simultaneously pushed to client by easy channel.
The third aspect, the present invention provide a kind of computer equipment, including memory and processor, store in the memory
There is computer-readable instruction, when the computer-readable instruction is executed by the processor, so that the processor executes such as the
Described in any one of one side the step of the self-adapting regulation method of transaction routing rule.
Fourth aspect, the present invention provides a kind of storage medium for being stored with computer-readable instruction, described computer-readable
When instruction is executed by one or more processors, so that one or more processors execute any one of first aspect right such as and want
The step of seeking the self-adapting regulation method of the transaction routing rule.
Compared with the existing technology, technical solution of the present invention at least has following advantage:
1, the present invention provides a kind of self-adapting regulation method of routing rule of trading, and passes through the transaction results structure according to history
The routing rule database for establishing diplomatic relations easy；The trigger event for adjusting the routing rule database is received, is obtained in designated time period
Historical trading result；The routing rule database is adjusted according to the historical trading result, so that current receiving
Target transaction channel corresponding with the current transaction request is screened according to routing rule database adjusted when transaction request
And the target transaction channel is pushed into client.The present invention, which is realized, adjusts transaction routing rule according to the result intelligent of transaction
Then, so that the target transaction channel at screening is more and more accurate.
2, of the invention from various dimensions systems such as the supports of transaction success rate, transaction timeliness, transaction cost and type of transaction
Surely trade routing rule, and can according to the regular intelligent adjustment transaction routing rule of transaction results, for example, according to it is specified when
Between the priority of transaction results adjustment transaction channel in section and the scoring of transaction channel so that the selection of transaction routing is got over
Come more accurate.
To sum up, the present invention realizes the result of intelligent learning transaction to adjust preset transaction routing rule.Solution
It has determined in the prior art, the dimension that target transaction channel is screened in routing rule of trading is single, and transaction routing rule adjustment can not
Realize adaptive problem.
Detailed description of the invention
Fig. 1 adaptively adjusts a kind of embodiment flow diagram for present invention transaction routing rule；
A kind of embodiment flow diagram of self-adapting adjusting apparatus of Fig. 2 present invention transaction routing rule；
Fig. 3 is the internal structure block diagram of computer equipment in one embodiment.
The object of the invention is realized, the embodiments will be further described with reference to the accompanying drawings for functional characteristics and advantage.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some processes of the description in description and claims of this specification and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and the serial number of operation such as S11, S12 etc. be only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
It will appreciated by the skilled person that unless expressly stated, singular " one " used herein, " one
It is a ", " described " and "the" may also comprise plural form.It is to be further understood that being arranged used in specification of the invention
Diction " comprising " refer to that there are the feature, integer, step, operation, element and/or component, but it is not excluded that in the presence of or addition
Other one or more features, integer, step, operation, element, component and/or their group.It should be understood that when we claim member
Part is " connected " or when " coupled " to another element, it can be directly connected or coupled to other elements, or there may also be
Intermediary element.In addition, " connection " used herein or " coupling " may include being wirelessly connected or wirelessly coupling.It is used herein to arrange
Diction "and/or" includes one or more associated wholes for listing item or any cell and all combinations.
It will appreciated by the skilled person that unless otherwise defined, all terms used herein (including technology art
Language and scientific term), there is meaning identical with the general understanding of those of ordinary skill in fields of the present invention.Should also
Understand, those terms such as defined in the general dictionary, it should be understood that have in the context of the prior art
The consistent meaning of meaning, and unless idealization or meaning too formal otherwise will not be used by specific definitions as here
To explain.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description in which the same or similar labels are throughly indicated same or similar element or has same or like function
Element.Obviously, described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Based on this
Embodiment in invention, those skilled in the art's every other implementation obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Referring to Fig. 1, a kind of self-adapting regulation method of routing rule of trading provided by the present invention, wherein specific
In a kind of embodiment, include the following steps:
S11, the routing rule database that transaction is constructed according to the transaction results of history.
It include a plurality of transaction channel, each transaction channel detail in the routing database of the transaction in the embodiment of the present invention
Data, the attribute information of transaction channel, the priority of each transaction channel and transaction routing rule.Wherein, the transaction channel
Detailed data can be the title or number of transaction channel, the business hours data of the service time of transaction channel such as bank.
The attribute information of transaction channel include but is not limited to transaction channel supported type of transaction, the cost of transaction, transaction success
Account information bound in rate, the timeliness of transaction, the scoring of transaction channel and transaction channel, the cost of the transaction can be with
It is the relevant costs such as the service charge of transaction.
In this programme embodiment, the transaction includes but is not limited to: being transferred to, produces, accepting covert payment, giving bonus, consuming, Shen
Purchase is redeemed, reimbursement, is cashed, is insured, surrender, Claims Resolution etc..
Further, the transaction routing rule includes but is not limited to following several:
Cost priority principle, timeliness optimum principle, probability of transaction optimum principle, correct matching rate priority principle.Or institute
Stating transaction routing rule may be several therein regular combinations.Wherein, the cost priority principle refers to is with cost
Various transaction channels are ranked up by screening criteria from low to high according to cost, and selection is ordered as one or several side by side of first
Choosing the transaction channel that transaction cost is minimum in each transaction channel for the target transaction channel is target transaction channel, described
Timeliness priority principle refers to is carried out various transaction channels according to timeliness using timeliness as screening criteria from long to short
Sequence is chosen and is ordered as one of first or several side by side chooses timeliness in each transaction channel for the target transaction channel
Most fast transaction channel is target transaction channel, and the probability of transaction optimum principle refers to will be each as screening criteria using success rate of trading
Kind of transaction channel is ranked up from high to low according to transaction success rate, is chosen and is ordered as one of first or arranged side by side several is
It is target transaction channel that the target transaction channel, which chooses the highest transaction channel of success rate of trading in each transaction channel, described
Correct matching rate priority principle, which refers to choose, can support that the transaction channel currently traded is target transaction channel in each transaction channel.
Before step S11, corresponding routing rule is configured according to existing historical trading result, or by professional
The target transaction channel that various businesses scene should be chosen is defined, corresponding routing rule is configured.Specifically, can be according to existing
Historical trading as a result, arrange existing transaction results, the transaction channel in each transaction results is extracted, to each transaction canal of extraction
Road is arranged, and the attribute information of transaction channel is further determined according to the result of transaction.
In the embodiment of the present invention, the transaction results include whether successful transaction, transaction time, transaction cost and transaction
Type.
In alternatively possible embodiment, some transaction scenes can be preset, the transaction scene of each setting is matched
A transaction routing rule is set, each routing rule of trading is corresponding to be directed toward a target transaction channel.For example, being set for money transfer transactions
Fixed a set of transaction routing rule, in conjunction with the account information of user, according to friendship bound under account information inquiry account information
Easy channel is chosen target transaction channel according to preset transaction routing rule from the transaction channel of its binding and is saved, so as to
The target transaction channel that the transaction routing rule is chosen is called directly in the transfer request for receiving user pushes to visitor
Family end.
S12, trigger event for adjusting the routing rule database is received, the history obtained in designated time period is handed over
Easy result.
Due to information such as the transaction channel of user's binding may be modified, the transaction cost of transaction channel, transaction success rates
Will be changed with the increase of transaction count, so in the present embodiment, needing to the routing rule database
In data and corresponding transaction routing rule dynamically adjusted, to guarantee the real-time of system data.
In the embodiment of the present invention, when the trigger event of the adjustment routing rule database includes: preset specified
Between the trigger event of automatic trigger in section, triggering when automatic trigger, client send adjustment request when receiving transaction request
And there is automatic trigger when exception in current transaction channel.
Specifically, specifically can be according to the transaction results of history, to each transaction channel in the routing rule database
Priority and scoring be adjusted, method of adjustment includes but is not limited to, the priority that transaction cost is traded low improve or
Person is to improve the priority of the faster transaction channel of timeliness, to improve the accuracy of system.
In the embodiment of the present invention, the historical trading result in the designated time period is to adjust the routing rule database
Data foundation.Function is adjusted reaching default specified time automatic trigger, arrives or reach specified time when the specified time
The adjustment function of data in routing rule database and routing rule of trading is opened when the period then to obtain in preset time period
Historical trading result.The specified time can set according to demand, such as No. 25 set monthly adjust the primary routing
Rule database then obtains the transaction results in No. 25 to the 25 of that month periods of last month, according to described in No. 25 monthly
Transaction results adjust the routing rule database.
Alternatively, when receiving transaction request, and when having executed transaction content, the road is updated according to the transaction results
As the data in rule database and according to the corresponding rule in transaction routing database described in updated data point reuse.
Alternatively, when receiving the adjustment request of client transmission, the adjustment request and current according to cut-off is responded
Historical trading result is adjusted the data in the routing rule database.For example, increasing, deleting and modifying the friendship newly
The request of easy routing rule.
It, can the automatic trigger adjustment routing rule number if current transaction channel occurs abnormal in another embodiment
According to library.Specifically, when transaction channel exception, then in the routing rule database data and transaction routing rule into
Row adjustment, so as to avoid influence of some error messages to system performance, to select optimal transaction channel.
S13, the routing rule database is adjusted according to the historical trading result, so that receiving current transaction
According to routing rule database adjusted screening target transaction channel corresponding with the current transaction request and general when request
The target transaction channel pushes to client.
In the embodiment of the present invention, the routing rule database is adjusted according to the transaction results, it can be especially by foundation
Transaction results in the newest period adjust the attribute information of each channel and the priority of each channel, and according to each update
The attribute information and priority of channel afterwards calculate the scoring of each channel and are updated in the transaction channel database.Foundation
The transaction results adjust the routing rule database and are specifically including but not limited to the transaction channel that single transaction cost is low
Scoring, which improves, either to be improved the fast transaction channel scoring of timeliness of trading or proposes the high transaction channel scoring of success rate
It is high.
The scoring of the priority of the transaction channel and the transaction channel can integrate each category of the transaction channel
Property information and determine.
In a kind of possible embodiment, it can be calculated for each single item attribute information in the transaction channel database
One scoring, then the corresponding scoring of every attribute information is overlapped and obtains the scoring for finally corresponding to each transaction channel.Example
Such as, the transaction channel attribute information in the routing rule database includes: type of transaction, the friendship that transaction channel is supported
Success rate, the timeliness of transaction of easy cost, transaction.For every attribute information in the attribute information of the transaction channel
It is counted and is sorted, such as counted the type of the type of transaction of each transaction channel and be ranked up the result after statistics, and
Score for this attribute each transaction channel, specific code of points can be set as needed, can there are many
Mode, a kind of fairly simple mode can be taken, and best result is set to 10 points, and minimum point is set to 1 point, calculates it according to ratio
He is located at each transaction channel between best result and minimum point.The corresponding scoring of other each attribute informations is calculated again, most
Each scoring is added to the scoring for finally being corresponded to each transaction channel afterwards.
It can be initially that set the scoring of each transaction channel be one identical in system in another embodiment
Initial value M, carries out the statistics of transaction results after specified a period of time, and is arranged according to statistical result each transaction channel
Sequence takes out a transaction channel of highest priority, is scored and is adjusted to a preset value, and other transaction channel scorings are not
Become, and so on, an appraisal result is adjusted every specified time.
It can be initially that set the scoring of each transaction channel be one identical in system in another embodiment
Initial value M after trade every time or carries out calculating corresponding each transaction for the result after repeatedly transaction after repeatedly trading
The adjusted value of channel, the scoring after each adjusted value update covering M is adjusted.
In the embodiment of the present invention, target transaction channel first can be chosen for the first time according to preset transaction routing rule, if according to
When filtering out multiple target transaction channels corresponding with the transaction request according to preset transaction routing rule, according to the routing
The scoring of transaction channel in rule database is screened again to choose final target transaction channel.
In the embodiment of the present invention, when filtering out target transaction channel according to the transaction routing rule, by the target
Transaction channel is showed in client.
Specifically, can only show the target transaction channel in a kind of embodiment, for example, the target channel be with
The M bank of account information binding then can show M bank and latter four of the bank account in client.
In another embodiment, it can show the target transaction channel and current transaction is completed by the transaction channel
Required transaction cost.For example, showing latter 4 of the F bank account in client when the target transaction channel is F bank
And the information such as service charge of the transaction.
In another embodiment, it can show the target transaction channel and current transaction is completed by the transaction channel
The required time, for example, prompt user needs several working days to information such as accounts.
In a kind of embodiment, by taking channel of disbursement as an example, since channel of disbursement is in different application scenarios, the mesh of output
Mark transaction channel is different.For example, actively being refunded according to the audit time of bank loan, user, being withheld in batches, single is withheld
Etc. in different scenes, it is possible that the situation that multiple target transaction channels can meet rule is then led in this case
The scoring for the transaction channel crossed in the transaction channel database is screened again, chooses highest transaction channel in scoring,
To obtain final target transaction channel.
In a kind of possible application scenarios, when service server receives transaction request, extract in the transaction request
After the transaction data such as the account information, transaction amount, type of transaction, determine that the account believes according to the routing rule database
Each transaction channel for ceasing binding selects each transaction channel for supporting the type of transaction, in basis from the transaction channel of each binding
Transaction routing rule in the routing rule database chooses that transaction cost is minimum, the highest target transaction channel of timeliness
Rule carry out screening target transaction channel.
Specifically, the transaction cost of all transaction channels for supporting such transaction channel filtered out can be arranged
Sequence then will for example, what is filtered out supports such transaction channel has to carry out transaction by A bank and trade by B bank
A bank and B bank are ranked up according to the payment expense of service charge, when progress inter-bank is transferred accounts, get current each big bank
Service charge, and it is transaction amount that the service charge for inquiring current A bank, which is the service charge of 0.2%, the B bank of transaction amount,
1%, for service charge can by formality charge information from high to low or from it is low to high be ranked up, therefrom select service charge most
Low transaction channel, i.e. A bank, to reduce the payment cost of user.
Referring to FIG. 2, the embodiment of the present invention also provides a kind of self-adapting adjusting apparatus of routing rule of trading, Yi Zhongben
In embodiment, including routing rule database 11, receiving module 12, adjustment module 13.Wherein,
Routing rule database 11: attribute information, respectively transaction for storing each transaction channel detailed data, transaction channel
The priority and transaction routing rule of channel.
In the embodiment of the present invention, the routing rule database of the transaction results building transaction according to history.The transaction
It include a plurality of transaction channel, each transaction channel detailed data, the attribute information of transaction channel, each transaction channel in routing database
Priority and transaction routing rule.Wherein, the transaction channel detailed data can be the title or number of transaction channel,
The business hours data of the service time of transaction channel such as bank.The attribute information of transaction channel includes but is not limited to canal of trading
The scoring and friendship of the cost, the success rate of transaction, the timeliness of transaction, transaction channel of type of transaction, transaction that road is supported
Account information bound in easy channel, the cost of the transaction can be the relevant cost such as service charge of transaction.
In this programme embodiment, the transaction includes but is not limited to: being transferred to, produces, accepting covert payment, giving bonus, consuming, Shen
Purchase is redeemed, reimbursement, is cashed, is insured, surrender, Claims Resolution etc..
Further, the transaction routing rule includes but is not limited to following several:
Cost priority principle, timeliness optimum principle, probability of transaction optimum principle, correct matching rate priority principle.Or institute
Stating transaction routing rule may be several therein regular combinations.Wherein, the cost priority principle refer to at
This is that various transaction channels are ranked up by screening criteria from low to high according to cost, and selection is ordered as one or arranged side by side of first
It is several that for the target transaction channel, i.e. to choose the transaction channel that transaction cost is minimum in each transaction channel be target transaction channel,
The timeliness priority principle, which refers to, carries out various transaction channels from long to short according to timeliness using timeliness as screening criteria
It is ranked up, chooses and be ordered as one of first or several when choosing in each transaction channel for the target transaction channel side by side
The most fast transaction channel of effect property is target transaction channel, and the probability of transaction optimum principle refers to using success rate of trading as screening criteria
Various transaction channels are ranked up from high to low according to transaction success rate, selection is ordered as one or several side by side of first
It is a for the target transaction channel i.e. choose in each transaction channel trade the highest transaction channel of success rate be target transaction channel,
The correct matching rate priority principle, which refers to choose, can support that the transaction channel currently traded is target transaction in each transaction channel
Channel.
Initial stage is constructed in system, configures corresponding routing rule according to existing historical trading result, or by professional people
Member defines the target transaction channel that various businesses scene should be chosen, and configures corresponding routing rule.Specifically, can be according to
Some historical tradings extract the transaction channel in each transaction results, each transaction to extraction as a result, arrange existing transaction results
Channel is arranged, and the attribute information of transaction channel is further determined according to the result of transaction.
In the embodiment of the present invention, the transaction results include whether successful transaction, transaction time, transaction cost and transaction
Type.
In alternatively possible embodiment, some transaction scenes can be preset, the transaction scene of each setting is matched
A transaction routing rule is set, each routing rule of trading is corresponding to be directed toward a target transaction channel.
For example, a set of transaction routing rule is set for money transfer transactions, in conjunction with the account information of user, according to account information
Transaction channel bound under account information is inquired, is selected in the transaction channel bound from it according to preset transaction routing rule
It takes target transaction channel and saves, selected to call directly the transaction routing rule in the transfer request for receiving user
The target transaction channel taken pushes to client.
Receiving module 12 obtains specified time for receiving the trigger event for adjusting the routing rule database
Historical trading result in section.
Due to information such as the transaction channel of user's binding may be modified, the transaction cost of transaction channel, transaction success rates
Real-time change will occur with the increase of transaction count, so in the present embodiment, needing to the routing rule data
Data and corresponding transaction routing rule in library are dynamically adjusted, to guarantee the real-time of system data.
In the embodiment of the present invention, when the trigger event of the adjustment routing rule database includes: preset specified
Between the trigger event of automatic trigger in section, triggering when automatic trigger, client send adjustment request when receiving transaction request
And there is automatic trigger when exception in current transaction channel.
Specifically, specifically can be according to the transaction results of history, to each transaction channel in the routing rule database
Priority and scoring be adjusted, method of adjustment includes but is not limited to, the priority that transaction cost is traded low improve or
Person is to improve the priority of the faster transaction channel of timeliness, to improve the accuracy of system.
In the embodiment of the present invention, the historical trading result in the designated time period is to adjust the routing rule database
Data foundation.Function is adjusted reaching default specified time automatic trigger, arrives or reach specified time when the specified time
The adjustment function of data in routing rule database and routing rule of trading is opened when the period then to obtain in preset time period
Historical trading result.The specified time can set according to demand, such as No. 25 set monthly adjust the primary routing
Rule database then obtains the transaction results in No. 25 to the 25 of that month periods of last month, according to described in No. 25 monthly
Transaction results adjust the routing rule database.
Alternatively, when receiving transaction request, and when having executed transaction content, the road is updated according to the transaction results
As the data in rule database and according to the corresponding rule in transaction routing database described in updated data point reuse.
Alternatively, when receiving the adjustment request of client transmission, the adjustment request and current according to cut-off is responded
Historical trading result is adjusted the data in the routing rule database.For example, increasing, deleting and modifying the friendship newly
The request of easy routing rule.
It, can the automatic trigger adjustment routing rule number if current transaction channel occurs abnormal in another embodiment
According to library.Specifically, when transaction channel exception, then in the routing rule database data and transaction routing rule into
Row adjustment, so as to avoid influence of some error messages to system performance, to select optimal transaction channel.
Module 13 is adjusted, for adjusting the routing rule database according to the historical trading result, so that connecing
According to routing rule database adjusted screening target corresponding with the current transaction request when receiving current transaction request
The target transaction channel is simultaneously pushed to client by transaction channel.
In the embodiment of the present invention, the routing rule database is adjusted according to the transaction results, it can be especially by foundation
Transaction results in the newest period adjust the attribute information of each channel and the priority of each channel, and according to each update
The attribute information and priority of channel afterwards calculate the scoring of each channel and are updated in the transaction channel database.Foundation
The transaction results adjust the routing rule database and are specifically including but not limited to the transaction channel that single transaction cost is low
Scoring, which improves, either to be improved the fast transaction channel scoring of timeliness of trading or proposes the high transaction channel scoring of success rate
It is high.
The scoring of the priority of the transaction channel and the transaction channel can integrate each category of the transaction channel
Property information and determine.
In a kind of possible embodiment, it can be calculated for each single item attribute information in the transaction channel database
One scoring, then the corresponding scoring of every attribute information is overlapped and obtains the scoring for finally corresponding to each transaction channel.Example
Such as, the transaction channel attribute information in the routing rule database includes: type of transaction, the friendship that transaction channel is supported
Success rate, the timeliness of transaction of easy cost, transaction.For every attribute information in the attribute information of the transaction channel
It is counted and is sorted, such as counted the type of the type of transaction of each transaction channel and be ranked up the result after statistics, and
Score for this attribute each transaction channel, specific code of points can be set as needed, can there are many
Mode, a kind of fairly simple mode can be taken, and best result is set to 10 points, and minimum point is set to 1 point, calculates it according to ratio
He is located at each transaction channel between best result and minimum point.The corresponding scoring of other each attribute informations is calculated again, most
Each scoring is added to the scoring for finally being corresponded to each transaction channel afterwards.
It can be initially that set the scoring of each transaction channel be one identical in system in another embodiment
Initial value M, carries out the statistics of transaction results after specified a period of time, and is arranged according to statistical result each transaction channel
Sequence takes out a transaction channel of highest priority, is scored and adjusts one as preset value, other transaction channels scorings are not
Become, and so on, an appraisal result is adjusted every specified time.
It can be initially that set the scoring of each transaction channel be one identical in system in another embodiment
Initial value M after trade every time or carries out calculating corresponding each transaction for the result after repeatedly transaction after repeatedly trading
The adjusted value of channel, the scoring after each adjusted value update covering M is adjusted.
In the embodiment of the present invention, target transaction channel first can be chosen for the first time according to preset transaction routing rule, if according to
When filtering out multiple target transaction channels corresponding with the transaction request according to preset transaction routing rule, according to the routing
The scoring of transaction channel in rule database is screened again to choose final target transaction channel.
In the embodiment of the present invention, when filtering out target transaction channel according to the transaction routing rule, by the target
Transaction channel is showed in client.
Specifically, can only show the target transaction channel in a kind of embodiment, for example, the target channel be with
The M bank of account information binding then can show M bank and latter four of the bank account in client.
In another embodiment, it can show the target transaction channel and current transaction is completed by the transaction channel
Required transaction cost.For example, showing latter 4 of the F bank account in client when the target transaction channel is F bank
And the information such as service charge of the transaction.
In another embodiment, it can show the target transaction channel and current transaction is completed by the transaction channel
The required time, for example, prompt user needs several working days to information such as accounts.
In a kind of embodiment, by taking channel of disbursement as an example, since channel of disbursement is in different application scenarios, the mesh of output
Mark transaction channel is different.For example, actively being refunded according to the audit time of bank loan, user, being withheld in batches, single is withheld
Etc. in different scenes, it is possible that the situation that multiple target transaction channels can meet rule is then led in this case
The scoring for the transaction channel crossed in the transaction channel database is screened again, chooses highest transaction channel in scoring,
To obtain final target transaction channel.
In a kind of possible application scenarios, when service server receives transaction request, extract in the transaction request
After the transaction data such as the account information, transaction amount, type of transaction, determine that the account believes according to the routing rule database
Each transaction channel for ceasing binding selects each transaction channel for supporting the type of transaction, in basis from the transaction channel of each binding
Transaction routing rule in the routing rule database chooses that transaction cost is minimum, the highest target transaction channel of timeliness
Rule carry out screening target transaction channel.
Specifically, the transaction cost of all transaction channels for supporting such transaction channel filtered out can be arranged
Sequence then will for example, what is filtered out supports such transaction channel has to carry out transaction by A bank and trade by B bank
A bank and B bank are ranked up according to the payment expense of service charge, when progress inter-bank is transferred accounts, get current each big bank
Service charge, and it is transaction amount that the service charge for inquiring current A bank, which is the service charge of 0.2%, the B bank of transaction amount,
1%, for service charge can by formality charge information from high to low or from it is low to high be ranked up, therefrom select service charge most
Low transaction channel, i.e. A bank, to reduce the payment cost of user.
In another embodiment, the present invention provides a kind of computer equipments, as shown in figure 3, the computer equipment
Including devices such as processor 303, memory 305, input unit 307 and display units 309.Those skilled in the art can manage
Solution, the structure devices shown in Fig. 3 do not constitute the restriction to all computer equipments, may include more more or fewer than illustrating
Component, or the certain components of combination.Memory 305 can be used for storing application program 301 and each functional module, processor 303
Operation is stored in the application program 301 of memory 305, thereby executing the various function application and data processing of equipment.Storage
Device 305 can be built-in storage or external memory, or including both built-in storage and external memory.Built-in storage may include
Read-only memory (ROM), programming ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM),
Flash memory or random access memory.External memory may include hard disk, floppy disk, ZIP disk, USB flash disk, tape etc..Institute of the present invention
Disclosed memory includes but is not limited to the memory of these types.Memory 305 disclosed in this invention be only used as example and
Non- be used as limits.
Input unit 307 is used to receive the input of signal, and receives the keyword of user's input.Input unit 307 can
Including touch panel and other input equipments.Touch panel collects the touch operation of user on it or nearby and (for example uses
Family uses the operations of any suitable object or attachment on touch panel or near touch panel such as finger, stylus), and root
According to the corresponding attachment device of preset driven by program；Other input equipments can include but is not limited to physical keyboard, function
One of key (such as broadcasting control button, switch key etc.), trace ball, mouse, operating stick etc. are a variety of.Display unit
309 can be used for showing the information of user's input or be supplied to the information of user and the various menus of computer equipment.Display is single
The forms such as liquid crystal display, Organic Light Emitting Diode can be used in member 309.Processor 303 is the control centre of computer equipment, benefit
With the various pieces of various interfaces and the entire computer of connection, by running or executing the software being stored in memory 303
Program and/or module, and the data being stored in memory are called, perform various functions and handle data.Shown in Fig. 3
One or more processors 303 are able to carry out, realize routing rule database 11, receiving module 12 and tune shown in Fig. 2
The function of mould preparation block 13.
In one embodiment, the computer equipment includes memory 305 and processor 303, the memory 305
In be stored with computer-readable instruction, when the computer-readable instruction is executed by the processor, so that the processor 303
The step of executing a kind of self-adapting regulation method of transaction routing rule described in above embodiments.
A kind of computer equipment provided in an embodiment of the present invention is, it can be achieved that receive the friendship that configuration specified services type is included
The configuring request of easy node, extracts the node identification of transaction node included in the configuring request；Inquire preset configuration
Document data bank is to obtain configuration file corresponding with the node identification；According to the configuration file to the transaction node into
Row, which is configured so that when receiving the transaction request for acting on the transaction node, calls the configuration file to generate corresponding transaction
Routing rule database of the data according to the transaction results building transaction of history；It receives for adjusting the routing rule database
Trigger event, obtain designated time period in historical trading result；The routing rule are adjusted according to the historical trading result
Then database so that when receiving current transaction request according to routing rule database adjusted screening with it is described current
The target transaction channel is simultaneously pushed to client by the corresponding target transaction channel of transaction request.The present invention realizes intelligence
Learn the result of transaction to adjust preset transaction routing rule.It solves in the prior art, is sieved in routing rule of trading
Select the dimension of target transaction channel single, transaction routing rule adjustment cannot achieve adaptive problem.
In addition, the invention also provides a kind of storage Jie for being stored with computer-readable instruction in another embodiment
Matter, when which is executed by one or more processors, so that one or more processors execute following steps:
The routing rule database of transaction results building transaction according to history；Receive the triggering thing for adjusting the routing rule database
Part obtains the historical trading result in designated time period；The routing rule database is adjusted according to the historical trading result,
So that when receiving current transaction request according to routing rule database adjusted screening and the current transaction request
The target transaction channel is simultaneously pushed to client by corresponding target transaction channel.One or more processors are able to achieve Fig. 2
Routing rule database, receiving module and the adjustment in the self-adapting adjusting apparatus of transaction routing rule in illustrated embodiment
The function of module.
In one embodiment, processor execute computer-readable instruction when also execute following steps: according to it is newest when
Between transaction results in section adjust the attribute information of each channel and the priority of each channel, and according to each updated channel
Attribute information and priority calculate the scoring of each channel and be updated in the transaction channel database.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, which can be stored in a computer-readable storage and be situated between
In matter, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can be
The non-volatile memory mediums such as magnetic disk, CD, read-only memory (Read-Only Memory, ROM) or random storage note
Recall body (Random Access Memory, RAM) etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, for simplicity of description, not to above-mentioned reality
It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, all should be considered as described in this specification.
The embodiments described above only express several embodiments of the present invention, and the description thereof is more specific and detailed, but simultaneously
Limitations on the scope of the patent of the present invention therefore cannot be interpreted as.It should be pointed out that for those of ordinary skill in the art
For, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to guarantor of the invention
Protect range.Therefore, the scope of protection of the patent of the invention shall be subject to the appended claims.
Claims (10)
1. a kind of self-adapting regulation method for routing rule of trading, which is characterized in that the described method includes:
The routing rule database of transaction results building transaction according to history；
The trigger event for adjusting the routing rule database is received, the historical trading result in designated time period is obtained；
Adjust the routing rule database according to the historical trading result so that when receiving current transaction request according to
According to routing rule database adjusted screening target transaction channel corresponding with the current transaction request and by the target
Transaction channel pushes to client.
2. the self-adapting regulation method of transaction routing rule according to claim 1, which is characterized in that the routing rule
It include a plurality of transaction channel, each transaction channel detailed data, the attribute information of each transaction channel, each transaction channel in database
Priority and transaction routing rule.
3. the self-adapting regulation method of transaction routing rule according to claim 2, which is characterized in that the reception is used for
The trigger event for adjusting the routing rule database, specifically includes:
Receive the trigger event of automatic trigger in preset designated time period, automatic trigger or client when receiving transaction request
It is triggered when sending adjustment request at end.
4. the self-adapting regulation method of transaction routing rule according to claim 2, which is characterized in that the transaction channel
Attribute information include following any one or any multinomial:
The cost of type of transaction, transaction that transaction channel is supported, the success rate of transaction, the timeliness of transaction, transaction channel
Account information bound in scoring and transaction channel.
5. the self-adapting regulation method of transaction routing rule according to claim 2, which is characterized in that described in the foundation
Transaction results adjust the routing rule database, specifically include:
Adjust the attribute information of each channel and the priority of each channel according to the transaction results in the newest period, and according to
The scoring of each channel is calculated according to the attribute information and priority of each updated channel and is updated to the transaction channel data
In library.
6. the self-adapting regulation method of transaction routing rule according to claim 5, which is characterized in that further include:
The low transaction channel of single transaction cost is scored and is improved, or the fast transaction channel scoring of timeliness of trading is mentioned
Height, or the high transaction channel of success rate is scored and is improved.
7. the self-adapting regulation method of transaction routing rule according to claim 1, which is characterized in that the routing rule
Include following any one or any multinomial rule of combination in database:
Cost priority principle, timeliness optimum principle, probability of transaction optimum principle, correct matching rate priority principle.
8. a kind of self-adapting adjusting apparatus for routing rule of trading, which is characterized in that described device includes:
Routing rule database, wherein storing each transaction channel detailed data, the attribute information of transaction channel, each transaction channel
Priority and transaction routing rule；
Receiving module obtains in designated time period for receiving the trigger event for adjusting the routing rule database
Historical trading result；
Module is adjusted, for adjusting the routing rule database according to the historical trading result, so that working as receiving
Target transaction canal corresponding with the current transaction request is screened according to routing rule database adjusted when preceding transaction request
The target transaction channel is simultaneously pushed to client by road.
9. a kind of computer equipment, which is characterized in that including memory and processor, being stored with computer in the memory can
Reading instruction, when the computer-readable instruction is executed by the processor, so that the processor executes such as claim 1 to 7
Any one of described in transaction routing rule self-adapting regulation method the step of.
10. a kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction is handled by one or more
When device executes, so that one or more processors execute the transaction routing rule as described in any one of claims 1 to 7 claim
The step of self-adapting regulation method then.
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Cited By (10)
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| CN110197429A (en) * | 2019-06-06 | 2019-09-03 | 苏宁消费金融有限公司 | A kind of consumer finance syndicated loan method for intelligently routing and system |
| CN110246043A (en) * | 2019-04-16 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Project fee payment method, device, electronic equipment and storage medium |
| CN110335030A (en) * | 2019-06-27 | 2019-10-15 | 上海数禾信息科技有限公司 | Pay route system, method |
| CN110428253A (en) * | 2019-06-19 | 2019-11-08 | 平安银行股份有限公司 | Trading channel control method, device, computer equipment and storage medium |
| CN111161067A (en) * | 2019-12-17 | 2020-05-15 | 京东数字科技控股有限公司 | Method and device for determining transaction route |
| CN111626852A (en) * | 2020-04-03 | 2020-09-04 | 中邮消费金融有限公司 | Transaction management method and transaction management system |
| CN112258173A (en) * | 2020-10-22 | 2021-01-22 | 广州市汇聚支付电子科技有限公司 | Intelligent payment routing method and system |
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| CN114445228A (en) * | 2022-02-08 | 2022-05-06 | 辽宁振兴银行股份有限公司 | Intelligent transaction distribution method and system based on data model and dynamic routing architecture |
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| CN110246043A (en) * | 2019-04-16 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Project fee payment method, device, electronic equipment and storage medium |
| CN110197429A (en) * | 2019-06-06 | 2019-09-03 | 苏宁消费金融有限公司 | A kind of consumer finance syndicated loan method for intelligently routing and system |
| CN110197429B (en) * | 2019-06-06 | 2022-07-15 | 苏宁消费金融有限公司 | Consumption and finance combined loan intelligent routing method and system |
| CN110428253A (en) * | 2019-06-19 | 2019-11-08 | 平安银行股份有限公司 | Trading channel control method, device, computer equipment and storage medium |
| CN110335030A (en) * | 2019-06-27 | 2019-10-15 | 上海数禾信息科技有限公司 | Pay route system, method |
| CN111161067A (en) * | 2019-12-17 | 2020-05-15 | 京东数字科技控股有限公司 | Method and device for determining transaction route |
| CN111626852A (en) * | 2020-04-03 | 2020-09-04 | 中邮消费金融有限公司 | Transaction management method and transaction management system |
| CN112258173A (en) * | 2020-10-22 | 2021-01-22 | 广州市汇聚支付电子科技有限公司 | Intelligent payment routing method and system |
| CN113660166A (en) * | 2021-08-17 | 2021-11-16 | 中国工商银行股份有限公司 | Transaction routing control method and device, electronic equipment and storage medium |
| CN114445228A (en) * | 2022-02-08 | 2022-05-06 | 辽宁振兴银行股份有限公司 | Intelligent transaction distribution method and system based on data model and dynamic routing architecture |
| CN114979138A (en) * | 2022-04-28 | 2022-08-30 | 中国工商银行股份有限公司 | Instruction processing method, device and equipment based on distributed service and storage medium |
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