CN109829704A - Payment channel configuration method, device and computer readable storage medium - Google Patents
Payment channel configuration method, device and computer readable storage medium Download PDFInfo
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Abstract
The present invention provides a kind of payment channel configuration method, device and computer readable storage mediums.Wherein, payment channel configuration method includes: reception payment request；Multiple alternative payment channels are obtained according to the payment request；It is scored according to the weight of each alternative payment channel, a payment channel is selected from the multiple alternative payment channel, the weight scoring is dynamic change；The information of selected payment channel is fed back, for handling the payment request.Payment channel of the present invention according to the scoring selection of the weight of the dynamic change for payment, has ensured the quality and success rate of payment services to the maximum extent.
Description
Technical field
The present invention relates to network payment fields, particularly, are related to the method, apparatus and computer of a kind of payment channel configuration
Readable storage medium storing program for executing.
Background technique
With universal and mobile Internet the development of smart phone, network payment has become a kind of common payment hand
Section.Payment platform more common at present includes Unionpay's payment, wechat payment, Alipay payment, the logical payment of wealth pair etc., in user
After having selected some means of payment (such as wechat payment), the payment request that terminal is initiated can be by a plurality of payment channel
One is transmitted to long-range server, and then completes payment.But the selection of this payment channel is completely random, if selection
The poor payment channel of communication quality, the then experience that will affect payment services even result in payment failure.
Summary of the invention
The present invention is directed to solve at least one of the technical problems existing in the prior art or related technologies.
For this purpose, the purpose of the present invention is to provide a kind of payment channel configuration method, device and computer-readable storage mediums
Matter can reasonably configure the payment channel of processing payment request, improve payment efficiency and success rate.
To achieve the goals above, according to the first aspect of the invention, a kind of payment channel configuration method is provided, is wrapped
It includes:
Receive payment request；
Multiple alternative payment channels are obtained according to the payment request；
It is scored according to the weight of each alternative payment channel, a PayPal is selected from the multiple alternative payment channel
Road, the weight scoring is dynamic change；
The information of selected payment channel is fed back, for handling the payment request.
Further, described to include: according to the multiple alternative payment channels of payment request acquisition
Determine the type of the payment request；
Multiple payment channels corresponding with the type are obtained according to the type of the payment request；
Available payment channel alternately payment channel is selected from the multiple payment channel.
Further, the weight scoring is regularly updated according to preset frequency.
Further, the computation rule of the weight scoring is variable.
Further, the weight scoring is calculated based on one or more of following parameter:
Connectivity, response time, channel service charge rate, transaction amount limit, type of transaction limitation, payment card types,
Channel is to money timeliness, fund pool policy and the margin of preference.
Further, one payment channel of selection from the multiple alternative payment channel includes:
Select the highest payment channel of weight scoring.
Optionally, one payment channel of selection from the multiple alternative payment channel includes:
If the weight scoring of one or more alternative payment channels and the difference of highest weighting scoring are less than preset threshold,
Then by the highest alternative payment channel composition competition payment channel group of one or more of alternative payment channels and weight scoring；
The hit probability of each payment channel in the competition payment channel group is determined according to weight scoring；
Payment channel is randomly choosed from the competition payment channel group based on the hit probability.
Further, the weight scoring of the alternative payment channel is higher, is selected as the hit probability of payment channel
It is bigger.
According to the second aspect of the invention, a kind of payment channel configuration device is provided, comprising:
Receiving module, for receiving payment request；
Module is obtained, for obtaining multiple alternative payment channels according to the payment request；
Selecting module is selected from the multiple alternative payment channel for being scored according to the weight of each alternative payment channel
A payment channel is selected, the weight scoring is dynamic change；
Feedback module, for feeding back the information of selected payment channel, for handling the payment request.
According to the third aspect of the invention we, a kind of computer readable storage medium, the computer-readable storage are provided
Program is stored on medium, described program is performed the step of realizing method as described in relation to the first aspect.
Scheme provided by the invention can calculate the power of payment channel based on dynamic state of parameters relevant to payment services quality
It scores again, and then the payment channel according to the scoring selection of the weight of the dynamic change for payment, has ensured branch to the maximum extent
Pay the quality and success rate of service；For the formal character payment channel that race condition channel is hit according to probability, avoid because
Switch bring to the immense pressure of another payment channel, realizes smoothly corridor diversion and transition, avalanche type failure is avoided to pass
It broadcasts.
Additional aspect and advantage of the invention will provide in following description section, will partially become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect of the invention and advantage will become from the description of the embodiment in conjunction with the following figures
Obviously and it is readily appreciated that, in which:
Fig. 1 shows the flow chart of payment channel configuration method of the invention；
Fig. 2 shows the flow charts of the payment channel configuration method of one embodiment of the invention；
Fig. 3 shows the architecture diagram of payment channel configuration device of the invention.
Specific embodiment
To better understand the objects, features and advantages of the present invention, with reference to the accompanying drawing and specific real
Applying mode, the present invention is further described in detail.It should be noted that in the absence of conflict, the implementation of the application
Feature in example and embodiment can be combined with each other.
In the following description, numerous specific details are set forth in order to facilitate a full understanding of the present invention, still, the present invention may be used also
To be implemented using other than the one described here other modes, therefore, protection scope of the present invention is not by described below
Specific embodiment limitation.
Fig. 1 shows the process of payment channel configuration method of the invention, comprising:
S11, payment request is received.
The payment request that user carries out sending when delivery operation is received, which includes type, the amount of money of payment, quotient
Product or the content of service etc., the type of payment illustratively include wechat is paid, Alipay is paid, Unionpay pays etc.,
S12, multiple alternative payment channels are obtained according to the payment request.
The multiple payment channels for supporting the type of payment are obtained according to type of payment.Can with manual configuration payment channel can
With property, with close be not intended to using payment channel.Further include in this step: determining the class of the payment request
Type；Multiple payment channels corresponding with the type are obtained according to the type of the payment request；From the multiple payment channel
Select available payment channel alternately payment channel.This eliminates be artificially set as not available PayPal
Road reduces the workload of subsequent calculating.
S13, it is scored according to the weight of each alternative payment channel, a payment is selected from the multiple alternative payment channel
Channel, the weight scoring is dynamic change.
The weight scoring is some parameters according to payment channel, is calculated according to specific computation rule.For
The case where weight scoring can reflect payment channel in real time needs periodically to calculate weight scoring according to preset frequency, uses
New weight scoring replaces old weight scoring to use, and the preset frequency is, for example, that every five seconds clock is primary.
Preferably, the weight scoring is calculated based on one or more of following parameter: connectivity, response
Duration, channel service charge rate, transaction amount limit, type of transaction limitation, payment card types, channel to money timeliness, fund pool
Policy and the margin of preference.Specific computation rule is also variable.Such as entry-into-force time and the termination of computation rule can be set
Time is applicable in different computation rules hence for the different periods.Exemplary computation rule is as follows:
Computation rule #1:
Entry-into-force time: on November 1st, 2018
Terminate the time: on November 30th, 2018
Rule:
S=0.9 × A1+0.8 × A2+0.5 × A3+0.3 × A4
Four parameters are selected in the example, A1 is connectivity parameters；A2 is response time parameter；A3 is service charge rate
Parameter；A4 is transaction amount limit parameter, presets weight coefficient to each parameter, the weight of the payment channel is calculated
Score S.
In one embodiment of the invention, it directly selects weight and scores highest payment channel as processing payment request
Payment channel.In another embodiment, the difference between scoring according to weight is judged whether there is into competition channel, if not
In the presence of, then select weight to score highest payment channel, otherwise will composition competition channel group, take competition channel hit probability machine
System therefrom selects payment channel, i.e., if the difference of the weight scoring and highest weighting scoring of one or more alternative payment channels
It is less than preset threshold, then the highest alternative payment channel composition of one or more of alternative payment channels and weight scoring is competing
Strive payment channel group；The hit probability of each payment channel in the competition payment channel group is determined according to weight scoring；Based on institute
It states hit probability and randomly chooses payment channel from the competition payment channel group.
The information of S14, the selected payment channel of feedback, for handling the payment request.
After system receives the information of the payment channel of feedback, payment request is routed into the payment channel, realizes that payment is asked
The processing asked.
The scheme of the present embodiment calculates the weight scoring of payment channel based on dynamic state of parameters relevant to payment services quality,
And then the payment channel according to the scoring selection of the weight of the dynamic change for payment, payment services have been ensured to the maximum extent
Quality and success rate；The real-time that can ensure scoring is regularly updated to weight scoring；Made by the dynamic change of computation rule
Obtain the individual demand that payment channel selection more meets user.
Fig. 2 shows the payment channel configuration methods of one embodiment of the invention, wherein taking competition channel hit probability machine
System selection payment channel, specific as follows:
S21, payment request is received.
S22, multiple alternative payment channels are obtained according to the payment request.
S23, the current weight scoring of multiple alternative payment channels is obtained.
S24, judge whether the difference between highest weighting scoring and the scoring of other weights is less than threshold value, if it is not, then entering
Step S25；If so, entering step S26；
The deterministic process can score other weights one by one compared with highest weighting scoring, can also first score by weight
Size is ranked up, and the threshold value that highest weighting scoring subtracts difference is obtained threshold weights scoring, then judge whether there is and be higher than
Other weights scoring of threshold weights scoring.
S25, the highest alternative payment channel of selection weight scoring；
The alternative payment channel of S26, the alternative payment channel that difference is less than to threshold value and highest weighting scoring, which form, to be competed
Channel group；
S27, hit probability is calculated to the alternative payment channel of each of competition channel group according to preset algorithm；Preferably,
Weight scoring is higher, and hit probability is bigger.
S28, a payment channel is randomly choosed based on hit probability.
In this embodiment, when the weight of multiple alternative payment channels scoring gap is little, the payment services of offer
Quality is also closer to.At this point, reasonably being divided by assigning the different randomly selected modes of hit probability payment request
Stream avoids paying the case where pressure concentrates in a payment channel, the payment channel performance is caused sharply to deteriorate.
Embodiments of the present invention are illustrated below with reference to concrete application scene.
Firstly, receiving payment request 1, the type of the payment request is wechat payment；
Obtain 5 payment channel A-E for wechat payment；
Judge the availability of payment channel, wherein payment channel E has been set as unavailable, therefore select payment channel A-D for
Alternative payment channel；
The weight scoring for obtaining payment channel A-D, is respectively as follows: 100,90,85,60；The scoring and payment of payment channel B-D
The scoring gap of channel A is not less than preset threshold value 8, then feeds back the information of payment channel A；
Payment request 1 is routed into payment channel A, carries out subsequent processing to complete to pay；
At this point, receiving wechat payment request 2 again, according to process as above, the weight scoring of payment channel A-D is obtained.
Since payment channel A is in the processing for carrying out payment request 1, updated weight scoring drops to 92 points, payment channel
B-D remains as 90,85,60 points；The scoring of payment channel B and C and the scoring gap of payment channel A have been less than preset threshold value 8,
Therefore payment channel A-C constitutes competition channel.
It is respectively 80%, 15%, 5% according to the hit probability that payment channel A-C is calculated in preset algorithm, according to this
Probability is randomly choosed, and payment channel B is selected；
Payment request 2 is routed into payment channel B, carries out subsequent processing to complete to pay.
As it can be seen that in a particular application, the pressure of the distribution of payment request therewith, payment channel is changing, weight scoring
Also correspondingly dynamic changes, and in conjunction with hit probability selection mechanism, shunting can be better achieved, and avoids payment channel that event occurs
Barrier.
Fig. 3 shows payment channel configuration device of the invention, comprising:
Receiving module 31, for receiving payment request；
Module 32 is obtained, for obtaining multiple alternative payment channels according to the payment request；
Selecting module 33, for being scored according to the weight of each alternative payment channel, from the multiple alternative payment channel
A payment channel is selected, the weight scoring is dynamic change；
Feedback module 34, for feeding back the information of selected payment channel, for handling the payment request.
Further, the type for obtaining module 32 and being used to determine the payment request；According to the payment request
Type obtains multiple payment channels corresponding with the type；Selected from the multiple payment channel available payment channel as
Alternative payment channel.
Further, the weight scoring is regularly updated according to preset frequency.
Further, the computation rule of the weight scoring is variable.
Further, the weight scoring is calculated based on one or more of following parameter:
Connectivity, response time, channel service charge rate, transaction amount limit, type of transaction limitation, payment card types,
Channel is to money timeliness, fund pool policy and the margin of preference.
Further, selecting module 33 is for selecting the highest payment channel of weight scoring.
Optionally, if the weight scoring of one or more alternatively payment channels and the difference of highest weighting scoring are less than in advance
If threshold value, then selecting module 33 is also used to highest alternative payment that one or more of alternative payment channels and weight score
Channel composition competition payment channel group；Determine that the hit of each payment channel in the competition payment channel group is general according to weight scoring
Rate；Payment channel is randomly choosed from the competition payment channel group based on the hit probability.
Further, the weight scoring of the alternative payment channel is higher, is selected as the hit probability of payment channel
It is bigger.
According to still another embodiment of the invention, computer readable storage medium is provided, program is stored thereon with, it is described
Program is performed the method for realizing the various embodiments described above.
Those of ordinary skill in the art will appreciate that all or part of the steps in the various methods of above-described embodiment is can
It is completed with instructing relevant hardware by program, which can be stored in a computer readable storage medium, storage
Medium include read-only memory (Read-Only Memory, ROM), random access memory (Random Access Memory,
RAM), programmable read only memory (Programmable Read-only Memory, PROM), erasable programmable is read-only deposits
Reservoir (Erasable Programmable Read Only Memory, EPROM), disposable programmable read-only memory (One-
Time Programmable Read-Only Memory, OTPROM), the electronics formula of erasing can make carbon copies read-only memory
(Electrically-Erasable Programmable Read-Only Memory, EEPROM), CD-ROM (Compact
Disc Read-Only Memory, CD-ROM) or other disc memories, magnetic disk storage, magnetic tape storage or can
For carrying or any other computer-readable medium of storing data.
These are only the preferred embodiment of the present invention, is not intended to restrict the invention, for those skilled in the art
For member, the invention may be variously modified and varied.All within the spirits and principles of the present invention, it is made it is any modification,
Equivalent replacement, improvement etc., should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of payment channel configuration method characterized by comprising
Receive payment request；
Multiple alternative payment channels are obtained according to the payment request；
It is scored according to the weight of each alternative payment channel, a payment channel, institute is selected from the multiple alternative payment channel
Stating weight scoring is dynamic change；
The information of selected payment channel is fed back, for handling the payment request.
2. the method according to claim 1, wherein described obtain multiple alternative payments according to the payment request
Channel includes:
Determine the type of the payment request；
Multiple payment channels corresponding with the type are obtained according to the type of the payment request；
Available payment channel alternately payment channel is selected from the multiple payment channel.
3. method according to claim 1 or 2, which is characterized in that weight scoring according to preset frequency periodically more
Newly.
4. according to the method described in claim 3, it is characterized in that, the computation rule of weight scoring is variable.
5. according to the method described in claim 4, it is characterized in that, weight scoring be based on one in following parameter or
It is multiple to be calculated:
Connectivity, response time, channel service charge rate, transaction amount limit, type of transaction limitation, payment card types, channel
To money timeliness, fund pool policy and the margin of preference.
6. the method according to claim 1, wherein described select one from the multiple alternative payment channel
Payment channel includes:
Select the highest payment channel of weight scoring.
7. the method according to claim 1, wherein described select one from the multiple alternative payment channel
Payment channel includes:
If the weight scoring of one or more alternative payment channels and the difference of highest weighting scoring are less than preset threshold, will
One or more of alternative payment channels and the highest alternative payment channel composition competition payment channel group of weight scoring；
The hit probability of each payment channel in the competition payment channel group is determined according to weight scoring；
Payment channel is randomly choosed from the competition payment channel group based on the hit probability.
8. higher, the quilt the method according to the description of claim 7 is characterized in that weight of the alternative payment channel scores
The hit probability for being selected as payment channel is bigger.
9. a kind of payment channel configuration device characterized by comprising
Receiving module, for receiving payment request；
Module is obtained, for obtaining multiple alternative payment channels according to the payment request；
Selecting module selects one from the multiple alternative payment channel for scoring according to the weight of each alternative payment channel
A payment channel, the weight scoring is dynamic change；
Feedback module, for feeding back the information of selected payment channel, for handling the payment request.
10. a kind of computer readable storage medium, which is characterized in that it is stored with program on the computer readable storage medium,
Described program is performed realization such as the step of method described in any item of the claim 1 to 8.
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| CN113824602A (en) * | 2021-11-24 | 2021-12-21 | 南京中孚信息技术有限公司 | Novel user network quality monitoring technology and device |
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Application publication date: 20190531 |