CN109472585A - Pay invoice generation method, device, equipment and medium based on data analysis - Google Patents
Pay invoice generation method, device, equipment and medium based on data analysis Download PDFInfo
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention discloses a kind of pay invoice generation method, device, computer equipment and storage mediums based on data analysis, first obtain request to be paid, and request to be paid includes payment information and preference information；The channel information on services for obtaining each channel of disbursement calculates the pre-paid information of each channel of disbursement according to payment information and channel information on services；It is ranked up according to pre-paid information of the preference information to each channel of disbursement；The channel of disbursement for choosing preset quantity according to predetermined order from ranking results, as recommendation channel of disbursement；According to the pre-paid information for recommending channel of disbursement, generates and recommend channel of disbursement information and then send to recommend channel of disbursement information to client, obtain the target channel of disbursement that client returns；Pay invoice is finally generated according to target channel of disbursement.Server-side is the suitable channel of disbursement of lead referral according to payment information and preference information automatically, substantially increases the formation efficiency of pay invoice.
Description
Technical field
The present invention relates to data analysis field more particularly to a kind of pay invoice generation methods based on data analysis, dress
It sets, equipment and medium.
Background technique
Current some enterprises are when handling payment transaction, if being related to the payment of third party enterprise or row of transferring accounts
For.By needing to realize using Third-party payment channel.Such as: people's row modern payment system or domain type channel of disbursement
(such as: Guangdong Province's financial service platform).And the service charge of different channel of disbursement and to account time etc. all may be different.And
And it docks different channel of disbursement and needs different interfaces, while needing to synchronize different account informations.And business personnel needs
To enter different interfaces and carry out corresponding operation.Many business personnel's transacting business, which may not known, needs that channel most
It is suitble to the demand of client.It is not high that these reasons have resulted in payment efficiency.
Summary of the invention
The embodiment of the present invention provide it is a kind of based on data analysis pay invoice generation method, device, computer equipment and
Storage medium, to solve the problems, such as that order payment efficiency is not high.
A kind of pay invoice generation method based on data analysis, comprising:
Request to be paid is obtained, the request to be paid includes payment information and preference information；
The channel information on services for obtaining each channel of disbursement is calculated according to the payment information and the channel information on services
The pre-paid information of each channel of disbursement；
It is ranked up according to the pre-paid information of the preference information to each channel of disbursement；
The channel of disbursement for choosing preset quantity according to predetermined order from ranking results, as recommendation channel of disbursement；
According to the pre-paid information for recommending channel of disbursement, generates and recommend channel of disbursement information；
The recommendation channel of disbursement information is sent to client, obtains the target channel of disbursement that the client returns；
Pay invoice is generated according to the target channel of disbursement.
A kind of pay invoice generating means based on data analysis, comprising:
Request module to be paid, for obtaining request to be paid, the request to be paid is including payment information and partially
Good information；
Pre-paid information computational module, for obtaining the channel information on services of each channel of disbursement, according to the disbursement letter
Breath and the channel information on services obtain the pre-paid information of each channel of disbursement；
Pre-paid message ordering module, for the pre-paid according to the preference information to each channel of disbursement
Information is ranked up；
Channel of disbursement is recommended to obtain module, for choosing the payment canal of preset quantity according to predetermined order from ranking results
Road, as recommendation channel of disbursement；
Recommend channel of disbursement information generating module, for according to the pre-paid information for recommending channel of disbursement, generation to be pushed away
Recommend channel of disbursement information；
Target channel of disbursement obtains module and obtains the visitor for sending the recommendation channel of disbursement information to client
The target channel of disbursement that family end returns；
Pay invoice generation module, for generating pay invoice according to the target channel of disbursement.
A kind of computer equipment, including memory, processor and storage are in the memory and can be in the processing
The computer program run on device, the processor realize the above-mentioned payment based on data analysis when executing the computer program
The step of order generation method.
A kind of computer readable storage medium, the computer-readable recording medium storage have computer program, the meter
The step of upper pay invoice generation method analyzed based on data is realized when calculation machine program is executed by processor.
In the above-mentioned pay invoice generation method based on data analysis, device, computer equipment and storage medium, first obtain
Request to be paid, request to be paid include payment information and preference information；Obtain the channel information on services of each channel of disbursement, root
The pre-paid information of each channel of disbursement is calculated according to payment information and channel information on services；According to preference information to each payment canal
The pre-paid information in road is ranked up；The channel of disbursement for choosing preset quantity according to predetermined order from ranking results, as pushing away
Recommend channel of disbursement；According to the pre-paid information for recommending channel of disbursement, generates and recommend channel of disbursement information；Then it sends and recommends payment
Channel information obtains the target channel of disbursement that client returns to client；Finally payment is generated according to target channel of disbursement to order
It is single.Only need to get corresponding payment information and preference information, server-side can be automatic according to payment information and preference information
For the suitable channel of disbursement of lead referral, the formation efficiency of pay invoice is substantially increased.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without any creative labor, can also be according to these attached drawings
Obtain other attached drawings.
Fig. 1 is the application environment signal of the pay invoice generation method based on data analysis in one embodiment of the invention
Figure；
Fig. 2 is an exemplary diagram of the pay invoice generation method based on data analysis in one embodiment of the invention；
Fig. 3 is another exemplary diagram of the pay invoice generation method based on data analysis in one embodiment of the invention；
Fig. 4 is another exemplary diagram of the pay invoice generation method based on data analysis in one embodiment of the invention；
Fig. 5 is another exemplary diagram of the pay invoice generation method based on data analysis in one embodiment of the invention；
Fig. 6 is another exemplary diagram of the pay invoice generation method based on data analysis in one embodiment of the invention；
Fig. 7 is a functional block diagram of the pay invoice generating means based on data analysis in one embodiment of the invention；
Fig. 8 is another functional block diagram of the pay invoice generating means based on data analysis in one embodiment of the invention；
Fig. 9 is another functional block diagram of the pay invoice generating means based on data analysis in one embodiment of the invention；
Figure 10 is a schematic diagram of computer equipment in one embodiment of the invention.
Specific embodiment
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, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Pay invoice generation method provided in an embodiment of the present invention based on data analysis, can be applicable to the application such as Fig. 1
In environment, wherein client (computer equipment) is communicated by network with server-side.Client generates request to be paid,
And server-side is sent by the request to be paid, server-side is obtained according to payment information and preference information recommends channel of disbursement to believe
Breath；It sends and recommends channel of disbursement information to client, obtain the target channel of disbursement that client returns；Finally paid according to target
Channel generates pay invoice.Wherein, client (computer equipment) can be, but not limited to various personal computers, notebook electricity
Brain, smart phone, tablet computer and portable wearable device.Server can use the either multiple services of independent server
The server cluster of device composition is realized.
In one embodiment, as shown in Fig. 2, a kind of pay invoice generation method based on data analysis is provided, with the party
Method is illustrated for applying the server-side in Fig. 1, is included the following steps:
S10: obtaining request to be paid, and request to be paid includes payment information and preference information.
Wherein, request to be paid refers to the touching relevant to payment that client is generated according to the demand or input of client
Hair request.Payment information refers to information relevant to payment, such as: payment amount, user account or user identifier etc..Preference
Information refers to the pre-selected and relevant trend information of payment.The preference information has been directed toward preferentially examining in client's this time payment
Worry factor, such as: service charge is minimum or payment speed is most fast etc..
Specifically, client, which transfers accounts to bank counter, transfers accounts to automatic teller machine, Internetbank is transferred accounts or carries out Mobile banking turns
Account.After client or contact staff input relevant information by client, client is generated according to the input information got
Request to be paid, which includes payment information and preference information, and client again sends the request to be paid of generation
To server-side.
S20: obtaining the channel information on services of each channel of disbursement, is calculated according to payment information and channel information on services each
The pre-paid information of channel of disbursement.
Wherein, channel information on services refers in each channel of disbursement and pays relevant information.For example, the channel of disbursement
Service time, to account time and the computational algorithm of service charge etc..The channel information on services of different channels can be stored in advance in
In server-side.Further, server-side timing obtains channel information on services from the interface of variant channel of disbursement, to guarantee number
According to real-time.Optionally, server-side can also obtain each channel of disbursement from the data-interface of different channel of disbursement in real time
Channel information on services, to guarantee the real-time and accuracy of acquisition of information.
Pre-paid information refers to that current payment information carries out paying generated corresponding informance according to the channel of disbursement.
Optionally, pre-paid information may include service fee and to the account time etc..
In this step, the pre-paid information of each channel of disbursement is obtained by payment information and channel information on services.
Illustratively, the service fee of each channel of disbursement is obtained by payment information and channel information on services and arrives the account time.It can be with
It first passes through and learns payment amount in payment information, when getting corresponding service in channel information on services according to the payment amount
Between and can arrive the account time, and combination current time obtain the account time.And it is obtained according to payment amount in channel information on services
To the computational algorithm of corresponding service fee, service fee is calculated.
For example, getting the service time of a channel of disbursement according to payment amount as 8:00-18:00, the account time can be arrived
It is 3 hours, current time 10:00, then arriving the account time is 13:00.It is second to the account time if current time is 20:00
Its 11:00.
S30: it is ranked up according to pre-paid information of the preference information to each channel of disbursement.
After getting the pre-paid information of each channel of disbursement, it is ranked up according to preference information.For example, if preference
Information is that payment speed is most fast, then account time-sequencing can be arrived according in the pre-paid information of each channel of disbursement, so as to clear
The characteristics of reflecting different channel of disbursement clearly.It is alternatively possible to according to the account time near slow sequence to each payment canal
The pre-paid information in road is ranked up.
S40: choosing the channel of disbursement of preset quantity from ranking results according to predetermined order, as recommendation channel of disbursement.
Wherein, channel of disbursement refers to the channel transferred accounts or paid for carrying out inter-bank, such as people's row modern payment system
Or domain type channel of disbursement (such as: Guangdong Province's financial service platform).And when service time and the payment of different channel of disbursement
The service fee of generation might have difference.
Server-side is connected with the data-interface for representing different channel of disbursement, for carrying out the friendship of data with these channel of disbursement
Mutually.Channel of disbursement information is recommended to refer to the phases such as the service charge for recommending channel of disbursement to calculate according to payment information and time of payment
The information of pass.Specifically, recommending channel of disbursement information may include service charge information and time of payment information.
Wherein, preset quantity is a preset integer value, for providing the recommendation channel of disbursement of predetermined quantity, is supplied
Client's selection.After pre-paid information of the step S30 to each channel of disbursement is ranked up, from giving in ranking results according to pre-
Fixed sequence chooses the channel of disbursement of preset quantity, as recommendation channel of disbursement.Wherein, predetermined order can for according to numerical value from big
To small sequence, or according to the sequence of numerical value from small to large, can be configured depending on data characteristics and actual needs,
This is not specifically limited.Illustratively, if preference information is that payment speed is fast, and in step s 30 according to the account time from fast
It is ranked up to pre-paid information of the slow sequence to each channel of disbursement.Then in this step also according to the account time near
Slow sequence chooses the channel of disbursement of preset quantity, as recommendation channel of disbursement.
S50: it according to the pre-paid information for recommending channel of disbursement, generates and recommends channel of disbursement information.
It obtains after recommending channel of disbursement, recommends channel of disbursement information for recommending the pre-paid information of channel of disbursement to form.
The characteristics of preferably to show different channel of disbursement, (arrives account time and service expense etc.).
S60: it sends and recommends channel of disbursement information to client, obtain the target channel of disbursement that client returns.
Server-side will recommend channel of disbursement information to be sent to client for client after obtaining recommending channel of disbursement information
Selection, client generates target channel of disbursement according to the selection of client, and the target channel of disbursement is sent to server-side.Specifically
Recommend channel of disbursement information that can be shown in the form of a list in client in ground, it is possible to understand that channel of disbursement letter is recommended on ground
It can be a plurality of for ceasing, as a plurality of recommendation channel of disbursement information of lead referral, to facilitate Client Reference.Client can be direct
A channel of disbursement is selected in the recommendation channel of disbursement information shown in the client, as target channel of disbursement, client with
Will the target channel of disbursement be sent to server-side.
S70: pay invoice is generated according to target channel of disbursement.
After server-side gets the target channel of disbursement of client's selection, pay invoice is generated according to the target channel.It can
Selection of land, the pay invoice may include target channel of disbursement and payment information.Follow-up service end can according to the pay invoice into
The corresponding payment behavior of row.
In this embodiment, request to be paid is obtained, request to be paid includes payment information and preference information；Further according to
Payment information and preference information in request to be paid, which obtain, recommends channel of disbursement information；Then it sends and recommends channel of disbursement information
To client, the target channel of disbursement that client returns is obtained；Pay invoice is finally generated according to target channel of disbursement.Only need
Corresponding payment information and preference information are got, server-side can be lead referral according to payment information and preference information automatically
Suitable channel of disbursement substantially increases the formation efficiency of pay invoice.
In one embodiment, payment information includes payment amount.Wherein, payment amount refers to and needs to prop up in this transaction
The amount of money paid.
In this embodiment, as shown in figure 3, obtaining each channel of disbursement according to payment information and channel information on services
Pre-paid information, specifically comprises the following steps:
S21: corresponding service charge computational algorithm is obtained from channel information on services according to payment amount.
Wherein, service charge computational algorithm refers to the computational algorithm for calculating the service fee for needing to pay in transaction.Difference branch
The calculation for paying the corresponding service fee of the amount of money is often different.Therefore, according to payment amount from the channel information on services
In get corresponding service charge computational algorithm, to carry out the calculating of service fee.Specifically, service fee can be calculated and is calculated
Method is packaged into class or encapsulation function, subsequent using payment amount as ginseng is entered, and calls directly corresponding class or encapsulation
Function.
S22: the corresponding service fee of payment amount is calculated according to service charge computational algorithm.
After getting service charge computational algorithm, payment amount correspondence can be calculated by directly inputting payment amount
Service fee.If service charge computational algorithm be by class or encapsulation function in the form of exist, directly using payment amount as
Enter ginseng, calls directly corresponding class or encapsulation function, the corresponding service fee of payment amount can be obtained.
S23: it is obtained from channel information on services according to payment amount corresponding to the account time.
Specifically, corresponding transfer accounts of different payment amounts handles the time and is also different, and therefore, it is necessary to according to payment amount
It is obtained from channel information on services corresponding to the account time.Specifically, in conjunction with service time, account time and current time can be arrived i.e.
It can obtain the account time.For example, when the service of a corresponding channel of disbursement is got from channel information on services according to payment amount
Between be 8:00-18:00, can arrive the account time is 3 hours, current time 10:00, then arrives the account time as 13:00.If current time
For 20:00, then arriving the account time is second day 11:00.
S24: pre-paid information is formed by service fee and to the account time.
After obtaining service fee and arriving the account time, pre-paid information is formed according to service fee and to the account time, i.e.,
Pre-paid information includes service fee and arrives the account time.
In this embodiment, service charge computational algorithm is obtained from channel information on services according to payment amount, passes through this
A service charge computational algorithm obtains corresponding service fee, and obtains corresponding to the account time, finally by service fee and arrives
The account time forms the pre-paid information, ensure that the accuracy of the pre-paid information of each channel of disbursement, for subsequent more preferable
Ground is that client refers to.
In one embodiment, payment information includes payment amount.Wherein, payment amount refers to and needs to prop up in this transaction
The amount of money paid.
In this embodiment, as shown in figure 4, obtaining each channel of disbursement according to payment information and channel information on services
Pre-paid information, specifically comprises the following steps:
S21 ': obtaining order to be paid, and order to be paid includes the amount of money to be paid and channel to be paid.
Wherein, order to be paid refers to the non-pay invoice generated.Order to be paid include the amount of money to be paid and to
Channel of disbursement.Channel to be paid refers to channel of disbursement used by the order to be paid.It is to be appreciated that being ordered in the presence of part
It is single, since the service time of channel of disbursement has not arrived or the preference information of the order is not institute due to payment speed is fast etc.
Non- pay status is in this part order.
S22 ': it is added up, is obtained each wait prop up according to the amount of money to be paid of the channel to be paid to each order to be paid
Pay the total amount to be paid of channel.
It is directed to each channel to be paid in order to be paid, treats the to be paid of identical channel to be paid in pay invoice
The amount of money adds up, and the total amount to be paid of each channel to be paid in order to be paid can be obtained.
S23 ': it is obtained from channel information on services pair according to the total amount and payment amount to be paid of each channel to be paid
The service charge computational algorithm answered.
In this step, when needing to obtain corresponding service charge computational algorithm from channel information on services, according to each
Payment amount in the total amount to be paid and payment information of channel to be paid obtains.Specifically, by each channel to be paid
Total amount to be paid obtain plus the payment amount in payment information and then from channel information on services corresponding service charge
Computational algorithm.I.e. by carrying out the order to be paid of identical channel to be paid to spell single processing, to reduce service fee.
In a specific embodiment, channel information on services includes the corresponding service in amount of money section and each amount of money section
Take computational algorithm.
In the present embodiment, as shown in figure 5, according to the total amount and payment amount to be paid of each channel to be paid from
Corresponding service charge computational algorithm is obtained in channel information on services, is specifically comprised the following steps:
S231 ': the total amount to be paid of each channel to be paid is added with the payment amount in payment information, is obtained
To the target amount of money.
Specifically, after the total amount to be paid of each channel to be paid plus the payment amount in payment information, i.e.,
Obtain the target amount of money.
S232 ': the target amount of money is matched in the amount of money section of channel information on services, gets corresponding service charge
Computational algorithm.
It include different amount of money sections, by the target amount of money in the amount of money area of channel information on services in channel information on services
Between in carry out matching refer to not inquired by amount of money section in channel information on services according to the target amount of money, judge target
The amount of money belongs to which amount of money section of the channel information on services.After being matched to corresponding amount of money section, the amount of money is obtained
The corresponding service charge computational algorithm in section.
In this embodiment, the branch in the total amount to be paid and payment information by integrating each channel to be paid
The amount of money is paid, to get corresponding service charge computational algorithm, being further ensured that subsequent can save service fee.
S24 ': the corresponding service fee of payment amount is calculated according to service charge computational algorithm.
After getting service charge computational algorithm, total amount to be paid is directly inputted plus the payment gold in payment information
Total amount to be paid can be calculated plus the corresponding service fee of payment amount in payment information in volume.Then it will obtain
Service fee is proportionally calculated to arrive the corresponding service fee of payment amount.
Illustratively, if total amount to be paid is a, a+b is then input in service charge computational algorithm by payment amount b,
A service fee c is obtained.The corresponding service fee s of the amount of money is got paid as a result, are as follows:
S25 ': it is obtained from channel information on services pair according to the total amount and payment amount to be paid of each channel to be paid
That answers arrives the account time.
Specifically, corresponding transfer accounts of different payment amounts handles the time and is also different, therefore, each channel to be paid
Total amount and payment amount to be paid obtain corresponding to the account time from channel information on services.It specifically, will be each to be paid
The total amount to be paid of channel is believed plus the payment amount in payment information and then according to this cumulative value from channel service
It is obtained in breath corresponding to the account time.Specifically, in conjunction with service time, the account time can be arrived and when account can be obtained in current time
Between.Similar to the calculation of account time in step S22 specific to the calculation of account time, details are not described herein.
S26 ': pre-paid information is formed by service fee and to the account time.
After obtaining service fee and arriving the account time, pre-paid information is formed according to service fee and to the account time, i.e.,
Pre-paid information includes service fee and arrives the account time.
In this embodiment, order to be paid is first obtained, order to be paid includes the amount of money to be paid and channel to be paid；
It is added up according to the to be paid amount of money of the channel to be paid to each order to be paid, obtains the to be paid of each channel to be paid
Total amount；Further according to each channel to be paid total amount and payment amount to be paid obtained from channel information on services it is corresponding
Service charge computational algorithm；The corresponding service fee of payment amount is calculated according to service charge computational algorithm；Then according to each wait prop up
Pay channel total amount and payment amount to be paid obtained from channel information on services it is corresponding to the account time；Finally by service charge
With with to the account time form pre-paid information.By realizing the generation to pre-paid information in conjunction with order to be paid, guaranteeing
While pre-paid information accuracy, service charge needed for reducing payment amount and the account time is accelerated, to be preferably
Client forms and effectively recommends.
In one embodiment, as shown in fig. 6, before the step of obtaining request to be paid, it is somebody's turn to do the branch that analyzed based on data
Paying order generation method further includes following steps:
S11: obtaining user identifier, obtains pay invoice according to user identifier, and pay invoice includes that preference has been selected to believe
Breath.
Wherein, user identifier is to distinguish the unique identification of different user, which can be ID card No., hand
Machine number or system are the user account etc. of user's distribution.Optionally, the user account can by number, letter, symbol or
At least one composition in person's text.Specifically, client receives the log-on message of client's input, and tests log-on message
Card, if being verified, sends the user identifier in log-on message into server-side.Optionally, log-on message includes logging in account
Number and login password.Login account is usually user identifier, and modification logging can be text information, voice messaging or image
Information etc..Pay invoice, which has referred to, has paid successful order.Get that the user is corresponding have been paid according to user identifier
Order.Include having selected preference information in pay invoice, preference information has been selected to refer to user's selection in pay invoice
Preference information.Preferably, it can choose the pay invoice of user identifier preset time Nei.The preset time refers to current
The a period of time of time forward, such as: one month, three months or half a year.Select the branch of the user identifier in preset time
It pays that order is more representative and the property of can refer to, may further ensure that the accuracy for recommending preference information.
S12: statistics has selected the selection frequency of different options in preference information, the option that frequency will be selected to be greater than frequency threshold
It is determined as recommending preference information.
Having selected includes different options in preference information, such as time and expense.Selection frequency refers to an option
The frequency occurred in all pay invoices of the user.Frequency threshold is a preset numerical value, specifically, the frequency threshold
Value can be 75%, 85% or 90%.Statistics has selected the selection frequency of different options in preference information, has obtained different options
Selection frequency.And by the way that the selection frequency and preset frequency threshold are compared, if selection frequency is greater than frequency threshold,
Then corresponding option is determined as to recommend preference information.Optionally, if the selection frequency of different options is not greater than frequency threshold
Value, then can using the user identifier it is corresponding upper one pay invoice selected preference information as recommendation preference information.
S13: it sends and recommends preference information to client, obtain the selection information that client returns, obtain preference information.
After obtaining recommending preference information, which is sent to client, with for reference.User
It can quickly be selected according to the recommendation preference information.Client gets the selection information of user, and by the selection information
It is sent to server-side, which is determined as preference information by server-side.
In this embodiment, user identifier is first obtained, pay invoice is obtained according to user identifier, pay invoice packet
It includes and has selected preference information；And the selection frequency for having selected different options in preference information is counted, selection frequency is greater than frequency threshold
Option be determined as recommend preference information；It finally sends and recommends preference information to client, obtain the selection letter that client returns
Breath, obtains preference information.By to the statistics for having selected preference information of pay invoice in same user, obtaining recommending preference letter
Breath helps user quickly to be selected, improves the formation efficiency of pay invoice to provide reference for user.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
In one embodiment, a kind of pay invoice generating means based on data analysis are provided, should be analyzed based on data
Pay invoice generation method based on data analysis in pay invoice generating means and above-described embodiment corresponds.Such as Fig. 7 institute
Show, should include request module 10 to be paid, pre-paid information calculating mould based on the pay invoice generating means that data analyzes
Block 20, pre-paid message ordering module 30, recommend channel of disbursement obtain module 40, recommend channel of disbursement information generating module 50,
Target channel of disbursement obtains module 60 and pay invoice generation module 70.Detailed description are as follows for each functional module:
Request module 10 to be paid, for obtaining request to be paid, request to be paid includes payment information and preference
Information；
Pre-paid information computational module 20, for obtaining the channel information on services of each channel of disbursement, according to payment information
The pre-paid information of each channel of disbursement is obtained with channel information on services；
Pre-paid message ordering module 30, for being arranged according to pre-paid information of the preference information to each channel of disbursement
Sequence；
Channel of disbursement is recommended to obtain module 40, for choosing the payment of preset quantity according to predetermined order from ranking results
Channel, as recommendation channel of disbursement；
Recommend channel of disbursement information generating module 50, for generating and recommending according to the pre-paid information for recommending channel of disbursement
Channel of disbursement information；
Target channel of disbursement obtains module 60, recommends channel of disbursement information to client for sending, obtains the client
Hold the target channel of disbursement returned；
Pay invoice generation module 70, for generating pay invoice according to target channel of disbursement.
Preferably, payment information includes payment amount.As shown in figure 8, pre-paid information computational module 20 include to
Pay invoice acquiring unit 21 ', total amount computing unit 22 ' to be paid, first service take computational algorithm acquiring unit 23 ',
One service fee computing unit 24 ', first arrives account time acquisition unit 25 ' and the first pre-paid information component units 26 '.
Order acquiring unit 21 ' to be paid, for obtaining order to be paid, order to be paid include the amount of money to be paid and to
Channel of disbursement；
Total amount computing unit 22 ' to be paid, for the gold to be paid according to channel to be paid to each order to be paid
Volume adds up, and obtains the total amount to be paid of each channel to be paid；
First service takes computational algorithm acquiring unit 23 ', for according to the total amount to be paid of each channel to be paid and
Payment amount obtains corresponding service charge computational algorithm from the channel information on services；
First service expense computing unit 24 ', it is corresponding for calculating payment amount according to the service charge computational algorithm
Service fee；
First arrives account time acquisition unit 25 ', for the total amount to be paid and payment gold according to each channel to be paid
Volume obtains corresponding to the account time from channel information on services；
First pre-paid information component units 26 ', for forming pre-paid information by service fee and to the account time.
Preferably, channel information on services includes the corresponding service charge computational algorithm in amount of money section and each amount of money section；Such as
Shown in Fig. 9, first service expense computational algorithm acquiring unit 23 ' includes:
Target amount of money computation subunit 231 ', for will be in the total amount to be paid and payment information of each channel to be paid
The payment amount be added, obtain the target amount of money；
Service charge computational algorithm obtain subelement 232 ', for by the target amount of money the channel information on services gold
It is matched between frontal region, gets corresponding service charge computational algorithm.
Preferably, pre-paid information computational module 20 further includes second service expense computational algorithm acquiring unit, second service
Expense computing unit, second arrive account time acquisition unit and the second pre-paid information component units.
Second service takes computational algorithm acquiring unit, corresponding for being obtained from channel information on services according to payment amount
Service charge computational algorithm.
Second service expense computing unit, for calculating the corresponding service charge of payment amount according to service charge computational algorithm
With.
Second arrives account time acquisition unit, for obtained from channel information on services according to payment amount it is corresponding to account when
Between.
Second pre-paid information component units, for forming pre-paid information by service fee and to the account time.
It preferably, should include that user identifier obtains module, recommends preference based on the pay invoice generating means that data are analyzed
Information determination module and preference information obtain module.
User identifier obtains module, for obtaining user identifier, obtains pay invoice according to user identifier, has paid and ordered
Single includes having selected preference information.
Recommend preference information determining module that will select for counting the selection frequency for having selected different options in preference information
The option that frequency is greater than frequency threshold is determined as recommending preference information.
Preference information obtains module, recommends preference information to client for sending, obtains the selection letter that client returns
Breath, obtains preference information.
Specific restriction about the pay invoice generating means analyzed based on data may refer to above for based on number
According to the restriction of the pay invoice generation method of analysis, details are not described herein.The above-mentioned pay invoice based on data analysis generates dress
Modules in setting can be realized fully or partially through software, hardware and combinations thereof.Above-mentioned each module can be in the form of hardware
It is embedded in or independently of the storage that in the processor in computer equipment, can also be stored in a software form in computer equipment
In device, the corresponding operation of the above modules is executed in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 10.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is used to be stored in the data used in the above-mentioned pay invoice generation method based on data analysis.The meter
The network interface for calculating machine equipment is used to communicate with external terminal by network connection.When the computer program is executed by processor
To realize a kind of pay invoice generation method based on data analysis.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor perform the steps of when executing computer program
Request to be paid is obtained, the request to be paid includes payment information and preference information；
The channel information on services for obtaining each channel of disbursement is calculated according to the payment information and the channel information on services
The pre-paid information of each channel of disbursement；
It is ranked up according to the pre-paid information of the preference information to each channel of disbursement；
The channel of disbursement for choosing preset quantity according to predetermined order from ranking results, as recommendation channel of disbursement；
According to the pre-paid information for recommending channel of disbursement, generates and recommend channel of disbursement information；
The recommendation channel of disbursement information is sent to client, obtains the target channel of disbursement that the client returns；
Pay invoice is generated according to the target channel of disbursement.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor
Request to be paid is obtained, the request to be paid includes payment information and preference information；
The channel information on services for obtaining each channel of disbursement is calculated according to the payment information and the channel information on services
The pre-paid information of each channel of disbursement；
It is ranked up according to the pre-paid information of the preference information to each channel of disbursement；
The channel of disbursement for choosing preset quantity according to predetermined order from ranking results, as recommendation channel of disbursement；
According to the pre-paid information for recommending channel of disbursement, generates and recommend channel of disbursement information；
The recommendation channel of disbursement information is sent to client, obtains the target channel of disbursement that the client returns；
Pay invoice is generated according to the target channel of disbursement.
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, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of pay invoice generation method based on data analysis characterized by comprising
Request to be paid is obtained, the request to be paid includes payment information and preference information；
The channel information on services for obtaining each channel of disbursement calculates each according to the payment information and the channel information on services
The pre-paid information of the channel of disbursement；
It is ranked up according to the pre-paid information of the preference information to each channel of disbursement；
The channel of disbursement for choosing preset quantity according to predetermined order from ranking results, as recommendation channel of disbursement；
According to the pre-paid information for recommending channel of disbursement, generates and recommend channel of disbursement information；
The recommendation channel of disbursement information is sent to client, obtains the target channel of disbursement that the client returns；
Pay invoice is generated according to the target channel of disbursement.
2. the pay invoice generation method as described in claim 1 based on data analysis, which is characterized in that the payment information
Including payment amount；
The pre-paid information that each channel of disbursement is calculated according to the payment information and the channel information on services is specific to wrap
Include following steps:
Corresponding service charge computational algorithm is obtained from the channel information on services according to the payment amount；
The corresponding service fee of the payment amount is calculated according to the service charge computational algorithm；
It is obtained from the channel information on services according to the payment amount corresponding to the account time；
By the service fee and described the pre-paid information is formed to the account time.
3. the pay invoice generation method as described in claim 1 based on data analysis, which is characterized in that the payment information
Including payment amount；
The pre-paid information that each channel of disbursement is calculated according to the payment information and the channel information on services is specific to wrap
Include following steps:
Order to be paid is obtained, the order to be paid includes the amount of money to be paid and channel to be paid；
Added up according to the to be paid amount of money of the channel to be paid to each order to be paid, obtain each channel to be paid to
Pay total amount；
It is obtained from the channel information on services according to the total amount to be paid of each channel to be paid and the payment amount pair
The service charge computational algorithm answered；
The corresponding service fee of the payment amount is calculated according to the service charge computational algorithm；
It is obtained from the channel information on services according to the total amount to be paid of each channel to be paid and the payment amount pair
That answers arrives the account time；
By the service fee and described the pre-paid information is formed to the account time.
4. the pay invoice generation method as claimed in claim 3 based on data analysis, which is characterized in that the channel service
Information includes the corresponding service charge computational algorithm in amount of money section and each amount of money section；It is described according to each channel to be paid to
Payment total amount and the payment amount obtain corresponding service charge computational algorithm from the channel information on services, specifically include
Following steps:
The total amount to be paid of each channel to be paid is added with the payment amount in payment information, obtains target
The amount of money；
The target amount of money is matched in the amount of money section of the channel information on services, gets corresponding service charge meter
Calculate algorithm.
5. as described in claim 1 based on data analysis pay invoice generation method, which is characterized in that it is described obtain to
Before the step of payment request, the pay invoice generation method based on data analysis further includes following steps:
User identifier is obtained, pay invoice is obtained according to the user identifier, the pay invoice includes that preference has been selected to believe
Breath；
The selection frequency is greater than the option of frequency threshold by the statistics selection frequency for having selected different options in preference information
It is determined as recommending preference information；
The recommendation preference information is sent to client, the selection information that client returns is obtained, obtains preference information.
6. a kind of pay invoice generating means based on data analysis characterized by comprising
Request module to be paid, for obtaining request to be paid, the request to be paid includes that payment information and preference are believed
Breath；
Pre-paid information computational module, for obtaining the channel information on services of each channel of disbursement, according to the payment information and
The channel information on services obtains the pre-paid information of each channel of disbursement；
Pre-paid message ordering module, for the pre-paid information according to the preference information to each channel of disbursement
It is ranked up；
Channel of disbursement is recommended to obtain module, for the channel of disbursement of preset quantity to be chosen according to predetermined order from ranking results,
As recommendation channel of disbursement；
Recommend channel of disbursement information generating module, for generating and recommending branch according to the pre-paid information for recommending channel of disbursement
Pay channel information；
Target channel of disbursement obtains module and obtains the client for sending the recommendation channel of disbursement information to client
The target channel of disbursement of return；
Pay invoice generation module, for generating pay invoice according to the target channel of disbursement.
7. the pay invoice generating means as claimed in claim 6 based on data analysis, which is characterized in that the payment information
Including payment amount；The pre-paid information computational module includes:
Order acquiring unit to be paid, for obtaining order to be paid, the order to be paid includes the amount of money to be paid and wait prop up
Pay channel；
Total amount computing unit to be paid, it is tired for being carried out according to the to be paid amount of money of the channel to be paid to each order to be paid
Add, obtains the total amount to be paid of each channel to be paid；
First service takes computational algorithm acquiring unit, for the total amount to be paid and the payment according to each channel to be paid
The amount of money obtains corresponding service charge computational algorithm from the channel information on services；
First service expense computing unit, for calculating the corresponding service of the payment amount according to the service charge computational algorithm
Expense；
First arrives account time acquisition unit, for according to the total amount to be paid of each channel to be paid and the payment amount from
It is obtained in the channel information on services corresponding to the account time；
First pre-paid information component units, for believing the service fee and the account time composition pre-paid that arrives
Breath.
8. the pay invoice generating means as claimed in claim 7 based on data analysis, which is characterized in that the channel service
Information includes the corresponding service charge computational algorithm in amount of money section and each amount of money section；The service charge computational algorithm acquiring unit
Include:
Target amount of money computation subunit, for by the branch in the total amount to be paid and payment information of each channel to be paid
It pays the amount of money to be added, obtains the target amount of money；
Service charge computational algorithm obtain subelement, for by the target amount of money in the amount of money section of the channel information on services
It is matched, gets corresponding service charge computational algorithm.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
Described in 5 any one based on data analysis pay invoice generation method the step of.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In payment of the realization based on data analysis as described in any one of claim 1 to 5 when the computer program is executed by processor
The step of order generation method.
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