CN109544144A - Transaction processing method, device, computer equipment and storage medium - Google Patents
Transaction processing method, device, computer equipment and storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
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Abstract
This application involves big data fields, and in particular to a kind of transaction processing method, device, computer equipment and storage medium.The described method includes: receiving the currency transaction information that client terminal is sent, the currency transaction information carries product identification and payment channel mark；Obtain matching rate computation rule corresponding with the product identification；Lookup is corresponding with payment channel mark to be effectively treated channel；Each corresponding matching rate in channel that is effectively treated, which is searched, according to the matching rate computation rule calculates data；Data, which are calculated, according to the matching rate computation rule and the matching rate calculates each channel matching rate that channel is effectively treated；Trading processing channel is selected from described be effectively treated in channel according to the channel matching rate, trading processing is carried out to the currency transaction information by the trading processing channel.Transaction processing efficiency can be improved using this method.
Description
Technical field
This application involves field of computer technology, more particularly to a kind of transaction processing method, device, computer equipment and
Storage medium.
Background technique
With the rapid development of mobile payment technology, many products support mobile payment or bank card to pay in the market
Deng.The means of payment that consumer uses can be the Third-party payments such as bank card payment, Alipay or wechat, these PayPals
Road is that client selects according to their needs.Once client's selection is paid by these payment channels, businessman just needs to pass through Unionpay
The trading processing channel on equal backstages could receive fund in its corresponding account.
But most of payment channels can only dock single trading processing channel at present, for example, various bank cards are paid
Single trading processing channel is generally only docked in channel, when needing to close dimension between a certain bank card payment channel and treatment channel
When shield, corresponding bank card payment channel cannot carry out arm's length dealing, inform user's dimension it is generally necessary to announce in this case
The time is protected, user can only just can be carried out transaction after service is complete, to reduce trading efficiency and user experience.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide a kind of trading processing that can be improved transaction processing efficiency
Method, apparatus, computer equipment and storage medium.
A kind of transaction processing method, which comprises
The currency transaction information that client terminal is sent is received, the currency transaction information carries product identification and PayPal
Road mark；
Obtain matching rate computation rule corresponding with the product identification；
Lookup is corresponding with payment channel mark to be effectively treated channel；
Each corresponding matching rate in channel that is effectively treated, which is searched, according to the matching rate computation rule calculates data；
Data are calculated according to the matching rate computation rule and the matching rate calculate each described channel is effectively treated
Channel matching rate；
Trading processing channel is selected from described be effectively treated in channel according to the channel matching rate, passes through the transaction
Treatment channel carries out trading processing to the currency transaction information.
It is described in one of the embodiments, to obtain the corresponding matching rate computation rule of the product identification, comprising:
Search transaction security grade corresponding with the product identification and transaction response grade；
Matching rate computation rule is determined according to the transaction security grade and transaction response grade.
Each described channel pair is effectively treated in described searched according to the matching rate computation rule in one of the embodiments,
The matching rate answered calculates data, comprising:
When the matching rate computation rule is secure match computation rule, search that each described that channel is effectively treated is corresponding
Historical transactional information in preset time；
Treatment channel transaction success rate and payment channel transaction success rate are extracted from the historical transactional information；
Data are calculated using treatment channel transaction success rate and payment channel transaction success rate as matching rate.
Each described channel pair is effectively treated in described searched according to the matching rate computation rule in one of the embodiments,
The matching rate answered calculates data, comprising:
When the matching rate computation rule is response matching primitives rule, search that each described that channel is effectively treated is corresponding
Historical transactional information in preset time；
Average channel clearing response time and payment channel clearing response time are extracted from the historical transactional information；
The average channel is settled accounts into response time and payment channel clearing response time as matching rate and calculates number
According to.
The lookup is corresponding with payment channel mark in one of the embodiments, is effectively treated channel, comprising:
When the matching rate computation rule is that rate matching primitives Rule presets waiting time threshold value；
It obtains the payment channel and identifies the current waiting time for managing channel everywhere in corresponding；
When the current waiting time being not more than the default waiting time threshold value, the corresponding treatment channel is set
For channel is effectively treated.
Each described channel pair is effectively treated in described searched according to the matching rate computation rule in one of the embodiments,
The matching rate answered calculates data, comprising:
Transaction numerical value is extracted from the currency transaction information；
Obtain each toll rate data that channel is effectively treated；
Lookup and the matched rate numerical value of transaction numerical value from the toll rate data, by the matched rate
Numerical value calculates data as matching rate.
Each described channel pair is effectively treated in described searched according to the matching rate computation rule in one of the embodiments,
The matching rate answered calculates data, comprising:
When the matching rate computation rule is general matching primitives rule, search that each described that channel is effectively treated is corresponding
Historical transactional information in rate numerical value and preset time；
Payment channel transaction success rate is extracted from the historical transactional information and payment channel settles accounts the response time；
Using the rate numerical value, the payment channel transaction success rate and the payment channel clearing response time as
Data are calculated with rate.
A kind of traction processing apparatus, described device include:
For receiving client terminal the currency transaction information of coming, the current transaction letter occur for transaction information receipt module
Breath carries product identification and payment channel mark；
Computation rule obtains module, for obtaining matching rate computation rule corresponding with the product identification；
For searching corresponding with the payment channel mark channel is effectively treated in treatment channel searching module；
Data search module is calculated, is corresponded to for searching each channel that is effectively treated according to the matching rate computation rule
Matching rate calculate data；
Matching rate computing module calculates respectively for calculating data according to the matching rate computation rule and the matching rate
The channel matching rate that channel is effectively treated；
Trade processing module, for selecting trading processing from described be effectively treated in channel according to the channel matching rate
Channel carries out trading processing to the currency transaction information by the trading processing channel.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
Device performs the steps of when executing the computer program
The currency transaction information that client terminal is sent is received, the currency transaction information carries product identification and PayPal
Road mark；
Obtain matching rate computation rule corresponding with the product identification；
Lookup is corresponding with payment channel mark to be effectively treated channel；
Each corresponding matching rate in channel that is effectively treated, which is searched, according to the matching rate computation rule calculates data；
Data are calculated according to the matching rate computation rule and the matching rate calculate each described channel is effectively treated
Channel matching rate；
Trading processing channel is selected from described be effectively treated in channel according to the channel matching rate, passes through the transaction
Treatment channel carries out trading processing to the currency transaction information.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
It is performed the steps of when row
The currency transaction information that client terminal is sent is received, the currency transaction information carries product identification and PayPal
Road mark；
Obtain matching rate computation rule corresponding with the product identification；
Lookup is corresponding with payment channel mark to be effectively treated channel；
Each corresponding matching rate in channel that is effectively treated, which is searched, according to the matching rate computation rule calculates data；
Data are calculated according to the matching rate computation rule and the matching rate calculate each described channel is effectively treated
Channel matching rate；
Trading processing channel is selected from described be effectively treated in channel according to the channel matching rate, passes through the transaction
Treatment channel carries out trading processing to the currency transaction information.
Above-mentioned transaction processing method, device, computer equipment and storage medium combine multiple treatment channels in an orderly manner
Together, and corresponding matching rate computation rule is obtained according to the currency transaction information that client terminal is sent and matching rate calculates number
According to, the channel matching rate that channel is effectively treated in data calculating is then calculated according to matching rate computation rule and matching rate, further according to
Channel matching rate selects suitable trading processing channel to carry out trading processing to currency transaction information from multiple treatment channels.When
When closing a certain payment channel there is a situation where a certain treatment channel, the bulletin customer care time is not both needed, will not be reduced
Client trading efficiency will not cause damages to client, be conducive to the stability and sustainable development of business.
Detailed description of the invention
Fig. 1 is the application scenario diagram of transaction processing method in one embodiment；
Fig. 2 is the flow diagram of transaction processing method in one embodiment；
Fig. 3 is the flow diagram that data search step is calculated in one embodiment；
Fig. 4 is the flow diagram that matching rate calculates data search step in another embodiment；
Fig. 5 is the flow diagram for the treatment of channel finding step in another embodiment；
Fig. 6 is the flow diagram that matching rate calculates data search step in another embodiment；
Fig. 7 is the flow diagram that matching rate calculates data search step in another embodiment；
Fig. 8 is the structural block diagram of traction processing apparatus in one embodiment；
Fig. 9 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Transaction processing method provided by the present application can be applied in application environment as shown in Figure 1.Wherein, terminal 102
It is communicated by network with server 104.Wherein, terminal 102 can be, but not limited to be various personal computers, notebook electricity
Brain, smart phone, POS machine, tablet computer and portable turn/Cash collecting equipment etc., server 104 can with independent server or
Person is the server cluster of multiple server compositions to realize.Terminal 102 generates currency transaction information and by currency transaction information
It is sent to server 104；Server 104 receives the currency transaction information that terminal 102 is sent；Server 104 is according to current transaction
The corresponding matching rate computation rule of acquisition of information, and search effective settlement channel corresponding with currency transaction information；Server 104
Data are calculated according to the matching rate that matching rate computation rule obtains each effective settlement channel；Server 104 is calculated according to matching rate
Rule and matching rate calculate the channel matching rate that effective settlement channel is calculated in data；Server 104 is according to channel matching rate
Choose the settlement of transactions channel for carrying out settlement of transactions.
In one embodiment, as shown in Fig. 2, providing a kind of transaction processing method, it is applied in Fig. 1 in this way
It is illustrated for server, comprising the following steps:
Step 202, receive the currency transaction information sent of client terminal, the currency transaction information carry product identification with
And payment channel mark.
Currency transaction information is that the terminal 102 held by client generates and sends to server 104.Client can be respectively
A consumer, trade company or self-employed worker etc..Currency transaction information is the current trade order for needing to carry out trading processing according to client
It generates, currency transaction information includes pre-set product identification and chosen payment channel mark.Product identification
The identification marking that can be the commodity currently traded is also possible to the identification marking of type belonging to currently trading.Implement at one
In example, currency transaction information can also include merchant information and current transaction in addition to identifying comprising product identification and payment channel
Time etc..
Server 104 receive client terminal 102 send at least carry product identification and payment channel mark work as
Preceding Transaction Information.
Step 204, matching rate computation rule corresponding with the product identification is obtained.
Matching rate computation rule is used to calculate the matching rate of each treatment channel.Each matching rate computation rule can be and visitor
Determination is negotiated at family, is also possible to system default setting.The form that matching rate computation rule is presented can be mathematical equation
Deng.
Server 104 extracts product identification from currency transaction information, then according to product identification from rule database
It is middle to search matching rate computation rule corresponding with the product identification.Product identification and matching rate computation rule, which correspond, to be stored.
Step 206, lookup is corresponding with payment channel mark is effectively treated channel.
Treatment channel refers to the backstage transaction with the main account of client progress settlement of transactions again after the funds on account processing by client
Processing mode, such as Unionpay, safety pair and prompt silver etc..Payment channel refers to each bank paying channel such as Construction Bank or branch
The Third-party payments such as Fu Bao, wechat channel.Each treatment channel can access multiple payment channels, and each payment channel can also be with
It is connected to multiple treatment channels.When system, which needs to safeguard, disconnects the connection between a certain payment channel and a certain treatment channel,
The treatment channel is exactly invalidation corresponding with payment channel channel, and the remaining processing still connecting with payment channel is logical
Road is exactly corresponding with the payment channel to be effectively treated channel.
For example, after client's shopping on the web confirms an order, the display payment of terminal 102 interface, on the payment interface there are many
Selection option, such as Alipay, Bank of Communications, industrial and commercial bank of payment channel etc., it is traffic that client, which can choose payment channel,
Bank paying channel.Server 104 determines that payment channel is identified as traffic silver according to the currency transaction information that client terminal is sent
Row payment channel mark；Server 104 is according to Bank of Communications's payment channel identifier lookup to the corresponding treatment channel being connected to
(channel is effectively treated) has the treatment channels such as Unionpay, safety pair and prompt silver, and (i.e. invalidation is logical for the treatment channel in maintenance
Road) there is Master treatment channel.When server 104 leads to trading processing from the treatment channels such as Unionpay, safety pair and prompt silver
When road is determined as Unionpay's treatment channel, server 104 first connect with Unionpay treatment channel and handles the funds on account of client, then
Settlement of transactions is carried out according to the debt main account of pre-provisioning request platform corresponding with all treatment channels.
The treatment channel that server 104 is connected to according to payment channel identifier lookup with the payment channel is logical as being effectively treated
Road.
Step 208, each corresponding matching rate in channel that is effectively treated is searched according to the matching rate computation rule to calculate
Data.
It is the data for being used to calculate each treatment channel matching rate in each matching rate computation rule that matching rate, which calculates data, no
The matching rate that same matching rate computation rule utilizes calculates data and is different.
Server 104 searches matching rate corresponding with channel is respectively effectively treated according to matching rate computation rule and calculates data.
For example, it is treatment channel transaction success rate that matching rate, which calculates data, when matching rate computation rule is secure match computation rule
With payment channel transaction success rate, server 104 searches each treatment channel transaction success rate and payment that channel is effectively treated
Channel transaction success rate；When matching rate computation rule is response matching primitives rule, it is average channel that matching rate, which calculates data,
It settles accounts the response time and payment channel settles accounts the response time, server 104 searches each average channel knot that channel is effectively treated
It calculates the response time and payment channel settles accounts the response time.
Step 210, data are calculated according to the matching rate computation rule and the matching rate and calculates each effective place
Manage the channel matching rate in channel.
Channel matching rate refers to each treatment channel and the matched probability of customer demand.Server 104 will find with it is each
The corresponding matching rate in channel is effectively treated to calculate in data substitution matching rate computation rule, the channel in channel is respectively effectively treated
Matching rate.
Step 212, trading processing channel is selected from described be effectively treated in channel according to the channel matching rate, passed through
The trading processing channel carries out trading processing to the currency transaction information.
The channel matching maximum channel that is effectively treated of rate score is chosen for trading processing channel by server 104, is then led to
It crosses the trading processing channel and trading processing is carried out to currency transaction information.
In above-mentioned transaction processing method, multiple treatment channels are combined in an orderly manner, and is sent according to client terminal
Currency transaction information obtain corresponding matching rate computation rule and matching rate calculates data, then according to matching rate computation rule
The channel matching rate that channel is effectively treated in data calculating is calculated with matching rate, further according to channel matching rate from multiple treatment channels
Suitable trading processing channel is selected to carry out trading processing to currency transaction information.A certain branch is closed when a certain treatment channel occurs
When the case where paying channel, the bulletin customer care time is not both needed, client trading efficiency will not be reduced, client will not be caused
Loss, is conducive to the stability and sustainable development of business.
In one embodiment, the corresponding matching rate computation rule of the product identification is obtained, comprising: search and the production
Product identify corresponding transaction security grade and transaction response grade；Responded according to the transaction security grade and the transaction etc.
Grade determines matching rate computation rule.
Corresponding transaction security grade and transaction response etc. can be arranged by client or system default in each product identification
Grade.Server 104 can also in advance respond the transaction security grade of product identification and/or transaction according to the transactions demand of client
Grade is divided into different ranks.Different brackets is carried out mapping association from different computation rules by server 104 in advance, with after an action of the bowels
Continuous lookup.
For example, transaction security grade can be the first security level or non-first security level；Transaction response grade can
Think the first response grade, minimum response grade and intermediate response grade.It is the first safety when determining transaction security grade
When grade, determine that matching rate computation rule is secure match computation rule, secure match computation rule is according to historical trading
The computation rule that secure data obtains；When determining, transaction security grade is non-first security level and transaction response grade is the
When one response grade, matching rate computation rule is determined as response matching primitives rule, response matching primitives rule is according to history
The computation rule that the transaction response time of transaction obtains；When determining, transaction security grade is non-first security level and transaction is rung
When to answer grade be minimum response grade, determine that matching rate computation rule is rate matching primitives rule, rate matching primitives are regular
It is the computation rule obtained according to the toll rate data of each treatment channel；It is non-first safety when determining transaction security grade
Grade and when transaction response grade is intermediate response grade, determines that matching rate computation rule is general matching primitives rule, general
Matching primitives rule is the computation rule obtained according to toll rate, transaction success rate and response time.
Transaction security grade can be divided into the first security level to N security level；Transaction response grade can be first
Grade is responded to M response grade, N, M are natural number.Matching rate initial rules can be to contain toll rate, transaction success rate
And the calculation formula of response time, it can be according to each transaction security grade and/or transaction response grade to toll rate, friendship
The corresponding weight coefficient of each parameter setting of easy success rate and response time etc..By transaction security grade and/or transaction response etc.
The corresponding each parameters weighting coefficient of grade, which substitutes into matching rate initial rules, to be determined that and has obtained matching rate computation rule.
In above-mentioned transaction processing method, according to the corresponding transaction security grade of product identification and determining of transaction response grade
With rate computation rule, it is adapted to the demand of different clients, the satisfaction of client is improved while not reducing client trading efficiency
Degree.
In another embodiment, as shown in figure 3, according to the matching rate computation rule search it is each it is described be effectively treated it is logical
The corresponding matching rate in road calculates data, comprising:
Step 302, when the matching rate computation rule is secure match computation rule, search it is each it is described be effectively treated it is logical
Historical transactional information in the corresponding preset time in road.
Secure match computation rule is with transaction security for preferential calculation formula, can be according to the processing of each treatment channel
The payment channel transaction success rate structure for the payment channel (corresponding with payment channel mark) that channel transaction success rate and client choose
It builds.
Preset time can be to be arranged according to the requirement of client, is also possible to the system default time, can for one week or
One month.Historical transactional information may include all historical trading orders, the corresponding payment that client carries out within a preset time
Successfully etc. whether gap marker, corresponding treatment channel and trading processing.
Server 104 finds all historical trading orders of client's progress, corresponding branch from trading information data library
Gap marker and corresponding treatment channel are paid, the historical transactional information in preset time is then searched according to current time.
Step 304, extracted from the historical transactional information treatment channel transaction success rate and payment channel transaction at
Power.
Server 104 counts the number of success of each treatment channel, the number of success of payment channel and historical trading number,
And it is obtained everywhere according to number of success, the number of success of payment channel and the historical trading number of managing channel everywhere in counting
Manage treatment channel transaction success rate (number of success ÷ historical trading number × 100% of=treatment channel) and the PayPal in channel
The payment channel in road trades success rate (number of success ÷ historical trading number × 100% of=payment channel).
Step 306, using treatment channel transaction success rate and payment channel transaction success rate as matching rate meter
Count evidence.
Matching rate calculates the data that data are used to calculate the matching degree of each treatment channel and customer demand.Server 104
Treatment channel transaction success rate and payment channel transaction success rate are set as matching rate and calculate data.
In above-mentioned transaction processing method, treatment channel is traded into success rate and payment channel transaction success rate is set as
Data are calculated with rate, the successful safety coefficient of client trading is improved, has ensured the property safety of client.
In another embodiment, as shown in figure 4, according to the matching rate computation rule search it is each it is described be effectively treated it is logical
The corresponding matching rate in road calculates data, comprising:
Step 402, when the matching rate computation rule is response matching primitives rule, search it is each it is described be effectively treated it is logical
Historical transactional information in the corresponding preset time in road.
Response matching primitives rule is with the response time of trading for preferential calculation formula, can be according to each treatment channel
The payment channel that average channel settles accounts the payment channel (corresponding with payment channel mark) of response time and client's selection, which is settled accounts, rings
It is built-up between seasonable.
The history in the corresponding preset time in channel is respectively effectively treated in matching primitives rule searching to server 104 according to response
Transaction Information.Historical transactional information may include the first response time and each of the use of each treatment channel trading processing of use
Pay the second response time of channel clearing.
Step 404, average channel clearing response time and payment channel clearing are extracted from the historical transactional information
Response time.
Average channel clearing the response time refer to the first response time for the treatment of channel within a preset time is carried out it is tired
The time numerical value averagely obtained after adding.The payment channel clearing response time refers to the second of payment channel within a preset time
Response time carries out the time numerical value averagely obtained after adding up.Response time refer to from server receive currency transaction information to
The time that trading processing terminates.
Server 104 extracts the first response time and the second response time from historical transactional information, and according to first
Response time and the second response time calculate separately average channel clearing response time and payment channel clearing response time.
Step 406, the average channel is settled accounts into response time and payment channel clearing response time as matching
Rate calculates data.
Matching rate calculates the data that data are used to calculate the matching degree of each treatment channel and customer demand.Server 104
Average channel is settled accounts into the response time and the payment channel clearing response time is set as matching rate and calculates data.
In above-mentioned transaction processing method, average channel is settled accounts into response time and payment channel clearing response time setting
Data are calculated for matching rate, the client trading time is shortened, improves the trading efficiency of client.
In another embodiment, as shown in figure 5, lookup is corresponding with payment channel mark to be effectively treated channel,
Include:
Step 502, when the matching rate computation rule is rate matching primitives rule, default waiting time threshold is obtained
Value.
Rate matching primitives rule is with rate of trading for preferential calculation formula, can be according to the charge of each treatment channel
Tariff data is built-up.Default waiting time threshold value can be the upper of the trading processing waiting time being arranged according to customer demand
Limit value, the default waiting time threshold value can be 1min, 1h, 1 day etc..
Server 104 presets waiting time threshold value according to rate matching primitives Rule.
Step 504, it obtains the payment channel and identifies the current waiting time for managing channel everywhere in corresponding.
Server 104 obtains payment channel and identifies the current waiting time for managing channel everywhere in corresponding, current waiting time
It is each treatment channel and the waiting time that payment channel building secure connection needs.When being needed between treatment channel and payment channel
When closing maintenance, the waiting time for the treatment of channel is exactly to safeguard duration；When temporary suspension between treatment channel and payment channel,
The waiting time for the treatment of channel is exactly the time reconnected.
Step 506, when the current waiting time being not more than the default waiting time threshold value, it is arranged corresponding described
Treatment channel is that channel is effectively treated.
When the current waiting time for the treatment of channel being not more than default waiting time threshold value, server 104 is arranged corresponding
Treatment channel is that channel is effectively treated；When the current waiting time for the treatment of channel being greater than default waiting time threshold value, server
The corresponding treatment channel of 104 settings is invalidation channel, and its corresponding toll rate data etc. are not included in matching rate meter
Calculate data acquisition range.
In one embodiment, each described channel is effectively treated as shown in fig. 6, searching according to the matching rate computation rule
Corresponding matching rate calculates data, comprising:
Step 602, transaction numerical value is extracted from the currency transaction information.
Server 104 extracts transaction numerical value from currency transaction information, and transaction numerical value may include the debt currently traded
The amount of money.
Step 604, each toll rate data that channel is effectively treated are obtained.
Server 104 is searched from tariff data library and obtains corresponding toll rate number according to channel is respectively effectively treated
According to.Toll rate data may include different rate numerical value corresponding from different amount of money numerical value, also may include and each PayPal
The corresponding different rate numerical value in road.Rate numerical value refers to settlement center to safeguard preset payment channel and treatment channel,
The service charge extracted in every transaction ratio shared in transaction numerical value.For example, being Unionpay's treatment channel in treatment channel
In the case of, when payment channel is Alipay, rate numerical value can be 3%；When payment channel is Bank of Communications's credit card, take
Rate score can be 2.5%；When payment channel is industrial and commercial bank's deposit card, rate numerical value can be 1.5%.
Step 606, lookup and the matched rate numerical value of transaction numerical value from the toll rate data, will be matched
The rate numerical value calculates data as matching rate.
Server 104 can search matched rate numerical value according to transaction numerical value from toll rate data, and will search
The rate numerical value arrived calculates data as matching rate.For example, payment channel is agricultural when treatment channel is that safety pays treatment channel
When bank deposit card, at 1000 yuan hereinafter, rate numerical value can be 2%；In 1000 yuan to 20000 yuan, rate numerical value can be with
It is 1.5%；At 20000 yuan or more, rate numerical value can be 1.1%.Numerical value of trading is 16780 yuan, and 16780 yuan are arrived at 1000 yuan
In 20000 yuan, so the rate numerical value found is 1.5%.Server regard the rate numerical value 1.5% found as matching rate
Calculate data.
In above-mentioned transaction processing method, rate numerical value is set as matching rate and calculates data, reduces settlement center and exists
The service charge extracted in every transaction alleviates client's burden, improves the enthusiasm of client's cashless transactions.
In another embodiment, each described channel is effectively treated as shown in fig. 7, searching according to the matching rate computation rule
Corresponding matching rate calculates data, comprising:
Step 702, when the matching rate computation rule is general matching primitives rule, search it is each it is described be effectively treated it is logical
Historical transactional information in the corresponding rate numerical value in road and preset time.
General matching primitives rule is that transaction security, response time and toll rate etc. are included in the calculating public affairs considered
Formula, the success rate that can be traded according to the rate numerical value for the treatment of channel, payment channel and payment channel clearing response time building
It forms.
Server 104 according to general matching primitives rule searching is respectively effectively treated the corresponding rate numerical value in channel and pre-
If the historical transactional information in the time.
Step 704, payment channel transaction success rate and payment channel clearing response are extracted from the historical transactional information
Time.
Historical transactional information may include all historical trading orders, the corresponding payment that client carries out within a preset time
When whether gap marker, corresponding treatment channel and trading processing are successful and are responded using second that each payment channel is settled accounts
Between etc..
Server 104 counts the number of success and historical trading number of each payment channel, and according to each counted
Pay channel number of success and historical trading number get paid channel payment channel transaction success rate (=payment channel
Number of success ÷ historical trading number × 100%).Server 104 also extracted for the second response time from historical transactional information,
And payment channel is calculated according to the second response time and settles accounts the response time.
When step 706, by the rate numerical value, payment channel transaction success rate and payment channel clearing response
Between as matching rate calculate data.
Rate numerical value, payment channel transaction success rate and payment channel clearing response time are set as matching rate by server
Calculate data.
In above-mentioned transaction processing method, by rate numerical value, payment channel transaction success rate and payment channel clearing response
Time is set as matching rate and calculates data, considers in many aspects for client, between balanced transaction security, response time and rate
Relationship, improve the service order for customer service.
It should be understood that although each step in the flow chart of Fig. 2-7 is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, these steps can execute in other order.Moreover, at least one in Fig. 2-7
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, the execution sequence in these sub-steps or stage is also not necessarily successively
It carries out, but can be at least part of the sub-step or stage of other steps or other steps in turn or alternately
It executes.
In one embodiment, as shown in figure 8, providing a kind of traction processing apparatus, comprising: transaction information receipt module
802, computation rule obtains module 804, treatment channel searching module 806, calculates data search module 808, matching rate calculating mould
Block 810 and trade processing module 812, in which:
For receiving client terminal the currency transaction information of coming, the current transaction occur for transaction information receipt module 802
Information carries product identification and payment channel mark.
Computation rule obtains module 804, for obtaining matching rate computation rule corresponding with the product identification.
For searching corresponding with the payment channel mark channel is effectively treated in treatment channel searching module 806.
Data search module 808 is calculated, each described channel is effectively treated for searching according to the matching rate computation rule
Corresponding matching rate calculates data.
Matching rate computing module 810, by being calculated based on data according to the matching rate computation rule and the matching rate
Calculate each channel matching rate that channel is effectively treated.
Trade processing module 812, for selecting transaction from described be effectively treated in channel according to the channel matching rate
Treatment channel carries out trading processing to the currency transaction information by the trading processing channel.
In one embodiment, computation rule acquisition module 804 includes grade searching unit and regular judging unit,
In:
Grade searching unit, for searching transaction security grade corresponding with the product identification and transaction response grade.
Regular judging unit, by being determined based on matching rate according to the transaction security grade and transaction response grade
Calculate rule.
In one embodiment, calculating data search module 808 includes Transaction Information searching unit, success rate extraction unit
With calculating data enactment unit, in which:
Transaction Information searching unit, for searching each when the matching rate computation rule is secure match computation rule
The historical transactional information being effectively treated in the corresponding preset time in channel.
Success rate extraction unit, for extracting treatment channel transaction success rate and payment from the historical transactional information
Channel transaction success rate.
Data enactment unit is calculated, be used to trade the treatment channel success rate and payment channel transaction success rate
Data are calculated as matching rate.
In another embodiment, calculating data search module 808 includes Transaction Information searching unit, response time extraction list
Member and calculating data enactment unit, in which:
Transaction Information searching unit, for searching each when the matching rate computation rule is response matching primitives rule
The historical transactional information being effectively treated in the corresponding preset time in channel；
Response time extraction unit, for extracted from the historical transactional information average channel clearing response time and
Payment channel settles accounts the response time；
Data enactment unit is calculated, for the average channel to be settled accounts response time and payment channel clearing response
Time calculates data as matching rate.
In some embodiments, treatment channel searching module 806 include threshold value acquiring unit, waiting time acquiring unit and
Treatment channel setup unit, in which:
Threshold value acquiring unit, for obtaining default etc. when the matching rate computation rule is rate matching primitives rule
To duration threshold value；
Waiting time acquiring unit, when identifying the current waiting for managing channel everywhere in corresponding for obtaining the payment channel
It is long；
Treatment channel setup unit is used for when the current waiting time being not more than the default waiting time threshold value,
It is that channel is effectively treated that the corresponding treatment channel, which is arranged,.
In some embodiments, calculating data search module 808 includes transaction numerical value extraction unit, tariff data acquisition list
Member and calculating data enactment unit, in which:
Transaction numerical value extraction unit, for extracting transaction numerical value from the currency transaction information；
Tariff data acquiring unit, for obtaining each toll rate data that channel is effectively treated；
Data enactment unit is calculated, for searching and the matched rate of the transaction numerical value from the toll rate data
The matched rate numerical value is calculated data by numerical value.
In one embodiment, calculating data search module 808 includes Transaction Information searching unit, the extraction of payment channel data
Unit and calculating data enactment unit, in which:
Transaction Information searching unit, for searching each when the matching rate computation rule is general matching primitives rule
The historical transactional information being effectively treated in the corresponding rate numerical value in channel and preset time；
Payment channel data extracting unit, for from the historical transactional information extract payment channel transaction success rate and
Payment channel settles accounts the response time；
Data enactment unit is calculated, is used for the rate numerical value, payment channel transaction success rate and the payment
The response time is settled accounts as matching rate and calculates data in channel.
Specific about traction processing apparatus limits the restriction that may refer to above for transaction processing method, herein not
It repeats again.Modules in above-mentioned traction processing apparatus can be realized fully or partially through software, hardware and combinations thereof.On
Stating each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also store in a software form
In memory in computer equipment, 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 9.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 handles data, historical transactional information, toll rate data, each matching rate computation rule for store transaction
Deng.The network interface of the computer equipment is used to communicate with external terminal by network connection.The computer program is processed
To realize a kind of transaction processing method when device executes.
It will be understood by those skilled in the art that structure shown in Fig. 9, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor perform the steps of when executing computer program
The currency transaction information that client terminal is sent is received, the currency transaction information carries product identification and PayPal
Road mark；
Obtain matching rate computation rule corresponding with the product identification；
Lookup is corresponding with payment channel mark to be effectively treated channel；
Each corresponding matching rate in channel that is effectively treated, which is searched, according to the matching rate computation rule calculates data；
Data are calculated according to the matching rate computation rule and the matching rate calculate each described channel is effectively treated
Channel matching rate；
Trading processing channel is selected from described be effectively treated in channel according to the channel matching rate, passes through the transaction
Treatment channel carries out trading processing to the currency transaction information.
In one embodiment, it is realized when processor executes computer program and obtains the corresponding matching rate of the product identification
It when the step of computation rule, is also used to: searching transaction security grade corresponding with the product identification and transaction response grade；Root
Matching rate computation rule is determined according to the transaction security grade and transaction response grade.
In one embodiment, it realizes when processor executes computer program and is searched respectively according to the matching rate computation rule
It when the step that the corresponding matching rate calculating data in channel are effectively treated, is also used to: when the matching rate computation rule is peace
When full matching primitives rule, each historical transactional information being effectively treated in the corresponding preset time in channel is searched；From described
Treatment channel transaction success rate and payment channel transaction success rate are extracted in historical transactional information；The treatment channel is traded
Success rate and payment channel transaction success rate are as matching rate calculating data.
In one embodiment, it realizes when processor executes computer program and is searched respectively according to the matching rate computation rule
It when the step that the corresponding matching rate calculating data in channel are effectively treated, is also used to: when the matching rate computation rule is sound
When answering matching primitives rule, each historical transactional information being effectively treated in the corresponding preset time in channel is searched；From described
Average channel clearing response time and payment channel clearing response time are extracted in historical transactional information；By the average channel
Response time and payment channel clearing response time are settled accounts as matching rate and calculates data.
In one embodiment, realize that lookup is corresponding with the payment channel mark when processor executes computer program
It when the step in channel is effectively treated, is also used to: when the matching rate computation rule is rate matching primitives rule, obtaining default
Waiting time threshold value；It obtains the payment channel and identifies the current waiting time for managing channel everywhere in corresponding；When described current etc.
When duration is not more than the default waiting time threshold value, it is that channel is effectively treated that the corresponding treatment channel, which is arranged,.
In one embodiment, it realizes when processor executes computer program and is searched respectively according to the matching rate computation rule
When the step that the corresponding matching rate calculating data in channel are effectively treated, it is also used to: is extracted from the currency transaction information
Transaction numerical value；Obtain each toll rate data that channel is effectively treated；From the toll rate data search with it is described
The matched rate numerical value is calculated data by the transaction matched rate numerical value of numerical value.
In one embodiment, it realizes when processor executes computer program and is searched respectively according to the matching rate computation rule
When the step that the corresponding matching rate calculating data in channel are effectively treated, it is also used to: when the matching rate computation rule is logical
When with matching primitives rule, each historical trading letter being effectively treated in the corresponding rate numerical value in channel and preset time is searched
Breath；Payment channel transaction success rate is extracted from the historical transactional information and payment channel settles accounts the response time；Take described
Rate score, payment channel transaction success rate and payment channel clearing response time calculate data as matching rate.
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
The currency transaction information that client terminal is sent is received, the currency transaction information carries product identification and PayPal
Road mark；
Obtain matching rate computation rule corresponding with the product identification；
Lookup is corresponding with payment channel mark to be effectively treated channel；
Each corresponding matching rate in channel that is effectively treated, which is searched, according to the matching rate computation rule calculates data；
Data are calculated according to the matching rate computation rule and the matching rate calculate each described channel is effectively treated
Channel matching rate；
Trading processing channel is selected from described be effectively treated in channel according to the channel matching rate, passes through the transaction
Treatment channel carries out trading processing to the currency transaction information.
In one embodiment, it is realized when computer program is executed by processor and obtains the corresponding matching of the product identification
It is also used to when the step of rate computation rule: searching transaction security grade corresponding with the product identification and transaction response grade；
Matching rate computation rule is determined according to the transaction security grade and transaction response grade.
In one embodiment, it realizes when computer program is executed by processor and is searched according to the matching rate computation rule
Each described be effectively treated when the corresponding matching rate in channel calculates the step of data is also used to: when the matching rate computation rule is peace
When full matching primitives rule, each historical transactional information being effectively treated in the corresponding preset time in channel is searched；From described
Treatment channel transaction success rate and payment channel transaction success rate are extracted in historical transactional information；The treatment channel is traded
Success rate and payment channel transaction success rate are as matching rate calculating data.
In one embodiment, it realizes when computer program is executed by processor and is searched according to the matching rate computation rule
Each described be effectively treated when the corresponding matching rate in channel calculates the step of data is also used to: when the matching rate computation rule is sound
When answering matching primitives rule, each historical transactional information being effectively treated in the corresponding preset time in channel is searched；From described
Average channel clearing response time and payment channel clearing response time are extracted in historical transactional information；By the average channel
Response time and payment channel clearing response time are settled accounts as matching rate and calculates data.
In one embodiment, realize that lookup is corresponding with the payment channel mark when computer program is executed by processor
The step that channel is effectively treated when be also used to: when the matching rate computation rule is rate matching primitives rule, obtain pre-
If waiting time threshold value；It obtains the payment channel and identifies the current waiting time for managing channel everywhere in corresponding；When described current
When waiting time is not more than the default waiting time threshold value, it is that channel is effectively treated that the corresponding treatment channel, which is arranged,.
In one embodiment, it realizes when computer program is executed by processor and is searched according to the matching rate computation rule
Each described be effectively treated when the corresponding matching rate in channel calculates the step of data is also used to: extracting from the currency transaction information
Transaction numerical value；Obtain each toll rate data that channel is effectively treated；From the toll rate data search with it is described
The matched rate numerical value is calculated data by the transaction matched rate numerical value of numerical value.
In one embodiment, it realizes when computer program is executed by processor and is searched according to the matching rate computation rule
Each described be effectively treated when the corresponding matching rate in channel calculates the step of data is also used to: when the matching rate computation rule is logical
When with matching primitives rule, each historical trading letter being effectively treated in the corresponding rate numerical value in channel and preset time is searched
Breath；Payment channel transaction success rate is extracted from the historical transactional information and payment channel settles accounts the response time；Take described
Rate score, payment channel transaction success rate and payment channel clearing response time calculate data as matching rate.
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..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of transaction processing method, which comprises
The currency transaction information that client terminal is sent is received, the currency transaction information carries product identification and payment channel mark
Know；
Obtain matching rate computation rule corresponding with the product identification；
Lookup is corresponding with payment channel mark to be effectively treated channel；
Each corresponding matching rate in channel that is effectively treated, which is searched, according to the matching rate computation rule calculates data；
Data, which are calculated, according to the matching rate computation rule and the matching rate calculates each channel that channel is effectively treated
Matching rate；
Trading processing channel is selected from described be effectively treated in channel according to the channel matching rate, passes through the trading processing
Channel carries out trading processing to the currency transaction information.
2. the method according to claim 1, wherein the corresponding matching rate of the product identification that obtains calculates
Rule, comprising:
Search transaction security grade corresponding with the product identification and transaction response grade；
Matching rate computation rule is determined according to the transaction security grade and transaction response grade.
3. the method according to claim 1, wherein described each described according to matching rate computation rule lookup
The corresponding matching rate in channel is effectively treated and calculates data, comprising:
When the matching rate computation rule is secure match computation rule, search that each described that channel is effectively treated is corresponding default
Historical transactional information in time；
Treatment channel transaction success rate and payment channel transaction success rate are extracted from the historical transactional information；
Data are calculated using treatment channel transaction success rate and payment channel transaction success rate as matching rate.
4. the method according to claim 1, wherein described each described according to matching rate computation rule lookup
The corresponding matching rate in channel is effectively treated and calculates data, comprising:
When the matching rate computation rule is response matching primitives rule, search that each described that channel is effectively treated is corresponding default
Historical transactional information in time；
Average channel clearing response time and payment channel clearing response time are extracted from the historical transactional information；
The average channel is settled accounts into response time and payment channel clearing response time as matching rate and calculates data.
5. the method according to claim 1, wherein the lookup is corresponding with payment channel mark effectively
Treatment channel, comprising:
When the matching rate computation rule is rate matching primitives rule, default waiting time threshold value is obtained；
It obtains the payment channel and identifies the current waiting time for managing channel everywhere in corresponding；
When the current waiting time being not more than the default waiting time threshold value, it is to have that the corresponding treatment channel, which is arranged,
Imitate treatment channel.
6. according to the method described in claim 5, it is characterized in that, described each described according to matching rate computation rule lookup
The corresponding matching rate in channel is effectively treated and calculates data, comprising:
Transaction numerical value is extracted from the currency transaction information；
Obtain each toll rate data that channel is effectively treated；
Lookup and the matched rate numerical value of transaction numerical value from the toll rate data, by the matched rate numerical value
Data are calculated as matching rate.
7. the method according to claim 1, wherein described each described according to matching rate computation rule lookup
The corresponding matching rate in channel is effectively treated and calculates data, comprising:
When the matching rate computation rule is general matching primitives rule, searches and each described the corresponding rate in channel is effectively treated
Historical transactional information in numerical value and preset time；
Payment channel transaction success rate is extracted from the historical transactional information and payment channel settles accounts the response time；
Using the rate numerical value, payment channel transaction success rate and payment channel clearing response time as matching rate
Calculate data.
8. a kind of traction processing apparatus, which is characterized in that described device includes:
For receiving client terminal the currency transaction information of coming occurs for transaction information receipt module, and the currency transaction information is taken
Band product identification and payment channel identify；
Computation rule obtains module, for obtaining matching rate computation rule corresponding with the product identification；
For searching corresponding with the payment channel mark channel is effectively treated in treatment channel searching module；
Data search module is calculated, each described corresponding of channel is effectively treated for searching according to the matching rate computation rule
Data are calculated with rate；
Matching rate computing module, it is each described for calculating data calculating according to the matching rate computation rule and the matching rate
The channel matching rate in channel is effectively treated；
Trade processing module, for being effectively treated in channel that select trading processing logical from described according to the channel matching rate
Road carries out trading processing to the currency transaction information by the trading processing channel.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
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