CN110033247A - Channel of disbursement recommended method and its system - Google Patents
Channel of disbursement recommended method and its system Download PDFInfo
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- CN110033247A CN110033247A CN201910007581.4A CN201910007581A CN110033247A CN 110033247 A CN110033247 A CN 110033247A CN 201910007581 A CN201910007581 A CN 201910007581A CN 110033247 A CN110033247 A CN 110033247A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
Abstract
This application involves on-line payment field, a kind of channel of disbursement recommended method and its system are disclosed, not only can effectively reach the capacity goals of channel of disbursement, but also user is allowed to have good payment to experience.This method comprises: obtaining each channel payment capacity in the practical accounting of a upper time window；According to practical accounting and pre-set each channel payment capacity in the expectation accounting of actual time window, each channel payment capacity is adjusted in the recommendation ratio of a upper time window, obtains each channel payment capacity in the recommendation ratio of actual time window；According to the recommendation of actual time window than the payment preferences parameter with designated user, the channel of disbursement recommendation results to designated user are obtained.
Description
Technical field
This application involves on-line payment fields, the in particular to recommended technology of channel of disbursement.
Background technique
E-commerce website often has the activity promoted greatly, and big promotion is all once to choose for payment system each time
War.It is channel of disbursement capacity risk that payment system, which suffers from a problem that, if do not drawn to the use of user's channel of disbursement
It leads, it is possible to will lead to a large number of users and be concentrated use in some channel of disbursement, more than the processing capacity of the channel of disbursement, thus nothing
Method is completed to pay in time, causes undesirable user to pay experience, may finally influence to sell.
On how to provide a user the recommended suggestion of channel of disbursement in real time, realizes and recommend personalized drainage to break through
Channel of disbursement peak period capacity problem, there is presently no find relevant public technology.
Summary of the invention
The application's is designed to provide a kind of channel of disbursement recommended method and its system, both can effectively reach payment
The capacity goals of channel, while user being allowed to have good payment to experience again.
To solve the above-mentioned problems, this application discloses a kind of channel of disbursement recommended methods, comprising:
Each channel payment capacity is obtained in the practical accounting of a upper time window；
Capacity is paid in the expectation accounting of actual time window, to each according to the practical accounting and pre-set each channel
Channel payment capacity is adjusted in the recommendation ratio of a upper time window, obtains each channel payment capacity in actual time window
Recommend ratio；
According to the recommendation of the actual time window than the payment preferences parameter with designated user, obtain to the designated user's
Channel of disbursement recommendation results；Wherein the payment preferences parameter is the inclined of each channel of disbursement that one user of reflection is able to use it
The parameter of good degree.
In a preferred embodiment, which is adjusted, and further comprises:
Expectation accounting by each channel payment capacity in actual time window exists divided by each channel payment capacity respectively
The practical accounting of a upper time window, then respectively multiplied by each channel payment capacity in the recommendation ratio of a upper time window, obtain
Recommendation ratio of each channel payment capacity in actual time window.
In a preferred embodiment, this is recommended according to the actual time window than the payment preferences parameter with designated user,
Obtain further comprise to the channel of disbursement recommendation results of the designated user:
For each channel, the recommendation by the channel in actual time window is compared multiplied by the designated user to this respectively
The payment preferences parameter of channel obtains the designated user to the recommendation of the channel；
Using the maximum channel of recommendation as the channel of disbursement recommendation results to the designated user.
In a preferred embodiment, the payment preferences parameter be according in user's nearest a period of time payment behavior and/or
What the setting of user obtained.
In a preferred embodiment, this is recommended according to the actual time window than the payment preferences parameter with designated user,
The step of obtaining the channel of disbursement recommendation results to the designated user is triggered when the designated user submits order.
In a preferred embodiment, after this obtains to the channel of disbursement recommendation results of the designated user, further includes: to this
The terminal that designated user uses sends the channel of disbursement recommendation results.
In a preferred embodiment, range of the length of the time window at 10 seconds to 15 seconds.
Disclosed herein as well is a kind of channel of disbursement recommender systems, comprising:
Practical accounting obtains module, for obtaining each channel payment capacity in the practical accounting of a upper time window；
Recommend than adjustment module, for paying capacity in current time according to the practical accounting and pre-set each channel
The expectation accounting of window is adjusted each channel payment capacity in the recommendation ratio of a upper time window, obtains each channel payment
Recommendation ratio of the capacity in actual time window；
Recommending module is obtained for the recommendation according to the actual time window than the payment preferences parameter with designated user
To the channel of disbursement recommendation results of the designated user；Wherein the payment preferences parameter reflects that a user is able to use it
The parameter of the preference of each channel of disbursement.
In a preferred embodiment, which adjusts in the following manner than adjustment module recommends ratio: each channel is paid
Capacity actual time window expectation accounting respectively divided by each channel payment capacity a upper time window practical accounting,
Again respectively multiplied by each channel payment capacity in the recommendation ratio of a upper time window, each channel payment capacity is obtained when current
Between window recommendation ratio.
In a preferred embodiment, which further comprises:
Recommendation computational submodule is used for for each channel, respectively the pushing away in actual time window by the channel
It recommends than the payment preferences parameter multiplied by the designated user to the channel, obtains the designated user to the recommendation of the channel；
Comparative sub-module, for using the maximum channel of recommendation as the channel of disbursement recommendation results to the designated user.
In a preferred embodiment, the payment preferences parameter be according in user's nearest a period of time payment behavior and/or
What the setting of user obtained.
In a preferred embodiment, which is triggered to calculate and refer to this when the designated user submits order
Determine the channel of disbursement recommendation results of user.
It in a preferred embodiment, further include sending module, the terminal for using to the designated user sends the payment canal
Road recommendation results.
In a preferred embodiment, range of the length of the time window at 10 seconds to 15 seconds.
Disclosed herein as well is a kind of channel of disbursement recommender systems, comprising:
Memory, for storing computer executable instructions；And
Processor, for realizing the step in method as previously described when executing the computer executable instructions.
Disclosed herein as well is a kind of computer readable storage medium, calculating is stored in the computer readable storage medium
Machine executable instruction, the computer executable instructions realize the step in method as previously described when being executed by processor.
The application embodiment not only can rapidly and efficiently reach the capacity goals of channel of disbursement, but also user is allowed to have
Good payment experience, accomplish that dynamic adjusts in real time on user experience and resource allocation, and do not need and scene phase
The more priori knowledge closed.
A large amount of technical characteristic is described in the description of the present application, is distributed in each technical solution, if to enumerate
Out if the combination (i.e. technical solution) of all possible technical characteristic of the application, specification can be made excessively tediously long.In order to keep away
Exempt from this problem, each technical characteristic disclosed in the application foregoing invention content, below in each embodiment and example
Each technical characteristic disclosed in disclosed each technical characteristic and attached drawing, can freely be combined with each other, to constitute each
The new technical solution (these technical solutions have been recorded because being considered as in the present specification) of kind, unless the group of this technical characteristic
Conjunction is technically infeasible.For example, disclosing feature A+B+C in one example, spy is disclosed in another example
A+B+D+E is levied, and feature C and D are the equivalent technologies means for playing phase same-action, it, can not as long as technically selecting a use
Can use simultaneously, feature E can be technically combined with feature C, then, and the scheme of A+B+C+D because technology is infeasible should not
It is considered as having recorded, and the scheme of A+B+C+E should be considered as being described.
Detailed description of the invention
Fig. 1 is the channel of disbursement recommended method flow diagram according to the application first embodiment
Fig. 2 is the channel of disbursement recommender system structural schematic diagram according to the application second embodiment
Specific embodiment
In the following description, in order to make the reader understand this application better, many technical details are proposed.But this
The those of ordinary skill in field is appreciated that even if without these technical details and many variations based on the following respective embodiments
And modification, the application technical solution claimed also may be implemented.
The explanation of part concept:
Time window: refer to a period of time of preset length.For example, 1 minute can successively be divided by 10 seconds length
For 6 time windows.
Channel of disbursement: the channel paid, such as the bank card of different bank distribution are just different channel of disbursement, different
Third-party payment mode also belong to different channel of disbursement.In present embodiments, channel of disbursement can also be referred to as
For channel.
Accounting of each channel payment capacity in a time window: in a time window, each channel of disbursement quilt
The number used accounts for the ratio of total payoff number.
Practical accounting of each channel payment capacity in a upper time window: in a upper time window, each payment
The number that channel is actually used accounts for the ratio of total payoff number.
Expectation accounting of each channel payment capacity in actual time window: in actual time window, each payment canal
Wish that the number used accounts for the ratio of total payoff number in road.
Payment preferences parameter: reflecting the available channel of disbursement of user and its uses preference, such as a total of A of a user,
B, tri- kinds of channel of disbursement of C then can indicate the user to these three channel of disbursement with [A, B, C]=[0.1,0.6,0.3]
Using preference, the bigger user more preference that represents of numerical value uses corresponding channel of disbursement.
The inventors of the present application found that the challenge that personalized channel of disbursement is recommended is that system does not know that subsequent time arrives
What the means of payment that the user of the request come possesses are, and payment habit differs widely between each user, only considers
Capacity goals will seriously affect user and pay experience.So the application embodiment by user individual payment habit, at that time
User's payment factors and channel condition, which integrate, does personalized recommendation.
Implementation to keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with attached drawing to the application
Mode is described in further detail.
The first embodiment of the application is related to a kind of channel of disbursement recommended method, and process is as shown in Figure 1, this method packet
Include following steps:
In a step 101, each channel payment capacity is obtained in the practical accounting of a upper time window.In one embodiment
In, the length of time window can be in the range of 10 seconds to 15 seconds.It in other examples, can in different scenes
To set according to the actual situation to the length of time window, it is not limited to 10 to 15 seconds ranges.
Then into step 102, according to acquired practical accounting and pre-set each channel payment capacity current
The expectation accounting of time window is adjusted each channel payment capacity in the recommendation ratio of a upper time window, obtains each channel
Capacity is paid in the recommendation ratio of actual time window.
Optionally, this step further comprises: the expectation accounting by each channel payment capacity in actual time window is distinguished
Capacity was paid in the practical accounting of a upper time window divided by each channel, then respectively multiplied by each channel payment capacity in the upper time
The recommendation ratio of window obtains each channel payment capacity in the recommendation ratio of actual time window.
In one embodiment, it is assumed that actual time window is n-th of time window, n is positive integer, then each channel payment
Capacity can be with vector V in the practical accounting of a upper time windown-1It indicates, each channel payment capacity is in actual time window
It is expected that accounting can use vector UnIt indicates, recommendation score of each channel payment capacity in a upper time window and actual time window
It Wei not Xn-1And Xn, the length of these vectors is the quantity k of channel of disbursement, and i-th of element represents i-th kind of channel in the vector,
K is positive integer, 0 < i≤k.Wherein the length of U and X is all k.So, Xn=Xn-1·Un/Vn-1, which indicates for by Xn-1
And UnIn each corresponding position element multiplication after, respectively divided by Vn-1In each corresponding position element, obtain Xn。
It is obtained then into step 103 according to the recommendation of actual time window than the payment preferences parameter with designated user
To the channel of disbursement recommendation results of designated user.Optionally, this step further comprises: for each channel, respectively should
Channel compares multiplied by designated user in the recommendation of actual time window to the payment preferences parameter of the channel, obtains designated user to this
The recommendation of channel；Using the maximum channel of recommendation as the channel of disbursement recommendation results to designated user.
Payment preferences parameter is the parameter of the preference for each channel of disbursement for reflecting that a user is able to use it.It can
Selection of land, payment preferences parameter are obtained according to the setting of payment behavior and/or user in user's nearest a period of time.Payment
Behavior includes payment record, is paid successfully, and payment failure, the last time paid successfully apart from now time etc..For example, can be with
According in nearest one month user using the number of various channel of disbursement determine payment preferences number.For another example, user sets
Various available channel of disbursement payment sequence can also be used as influence payment preferences parameter a factor, payment sequence preceding
Channel of disbursement in payment preferences parameter accordingly have bigger weight.
It can be executed in each time window above-mentioned steps 101,102 and 103, constantly iterate to calculate each channel payment
Capacity actual time window expectation accounting, and each user to need to pay in actual time window provide it is personalized
Channel of disbursement recommendation results, wherein each user for needing to pay can regard above-mentioned designated user as.
In one embodiment, step 101 and 102 is executed at the beginning of each time window, each to obtain
Channel pays capacity in the recommendation ratio of actual time window.Step 103 is triggered when user submits order, and submission is ordered
User's channel of disbursement recommendation results can be calculated by step 103 by as designated user in that single user.Step
Rapid 101,102 and 103 are all that (or server-side, server etc.) carries out beyond the clouds, and cloud can send out channel of disbursement recommendation results
It is sent to the terminal (such as smart phone or laptop etc.) that the user uses, which can enter payment circle after submitting order
Face, can show in payment interface relevant to channel of disbursement recommendation results information (such as show the channel of disbursement of recommendation, or
Show relevant prompt information etc.).
Through the above technical solutions, channel of disbursement capacity and the payment habit of user can be taken into account.
In order to more fully understand the technical solution of the application, it is illustrated below with reference to a specific example,
The details enumerated in the example is primarily to be easy to understand, not as the limitation to the application protection scope.
It is assumed that the length of each time window is 10 seconds, tri- channel of disbursement of a total of A, B, C.In current time window
In (it is assumed that n-th of time window), cloud receives the request of three users, i.e. user 1, user 2 and user 3.
The recommendation factor X of each channel of disbursement of a upper time windown-1=[0.4,0.4,0.2], actual time window is each
The expectation accounting of a channel of disbursement is Un=[0.5,0.4,0.1], the upper each channel payment capacity of a time window actually account for
Than for Vn-1=[0.4,0.4,0.2].So recommendation factor X of each channel of disbursement of actual time windown-1=[0.4*0.5/
0.4,0.4*0.4/0.4,0.2*0.1/0.2]=[0.5,0.4,0.1]
It is assumed that channel of disbursement and corresponding payment preferences parameter that these three users possess respectively be respectively [A, B, C]=
[0.1,0.6,0.3], [C]=[1], [A, B]=[0.8,0.2], then the channel of disbursement of these three users is recommended are as follows:
User 1:max (0.5*0.1,0.4*0.6,0.3*0.1) recommends B
User 2:max (0,0,0.1*1) recommends C
User 3:max (0.5*0.8,0.4*0.1) recommends A
Wherein, max is the function being maximized.
The second embodiment of the application is related to a kind of channel of disbursement recommender system, and structure is as shown in Fig. 2, the payment canal
Road recommender system includes:
Practical accounting obtains module 201, for obtaining each channel payment capacity in the practical accounting of a upper time window.It can
Selection of land, the length of time window is in the range of 10 seconds to 15 seconds.It optionally, can be according to practical feelings in different scenes
Condition sets the length of time window, is not limited to 10 to 15 seconds ranges.
Recommend than adjustment module 202, for paying capacity when current according to practical accounting and pre-set each channel
Between window expectation accounting, each channel payment capacity is adjusted in the recommendation ratio of a upper time window, each channel branch is obtained
Capacity is paid in the recommendation ratio of actual time window.
Optionally, recommend to adjust in the following manner than adjustment module and recommend ratio: by each channel payment capacity when current
Between window expectation accounting respectively divided by each channel payment capacity a upper time window practical accounting, then respectively multiplied by each canal
Road pays capacity in the recommendation ratio of a upper time window, obtains each channel payment capacity in the recommendation ratio of actual time window.
Recommending module 203 is obtained for the recommendation according to actual time window than the payment preferences parameter with designated user
To the channel of disbursement recommendation results of designated user.Wherein payment preferences parameter is each for reflecting a user and being able to use to it
Pay the parameter of the preference of channel.Optionally, payment preferences parameter is according to the payment behavior in user's nearest a period of time
And/or the setting of user obtains.
Optionally, recommending module further comprises: recommendation computational submodule, for respectively will for each channel
The channel compares multiplied by designated user in the recommendation of actual time window to the payment preferences parameter of the channel, obtains designated user couple
The recommendation of the channel.Comparative sub-module, for recommending the maximum channel of recommendation as the channel of disbursement to designated user
As a result.
Optionally, recommending module is triggered to calculate the payment canal to designated user when designated user submits order
Road recommendation results.The system can also include sending module, and the terminal for using to designated user sends channel of disbursement and recommends
As a result.
First embodiment is method implementation corresponding with present embodiment, and the technology in first embodiment is thin
Section can be applied to present embodiment, and the technical detail in present embodiment also can be applied to first embodiment.
It should be noted that it will be appreciated by those skilled in the art that in the embodiment of above-mentioned channel of disbursement recommender system
Shown in the realization function of each module can refer to the associated description of aforementioned channel of disbursement recommended method and understand.Above-mentioned channel of disbursement
The function of each module shown in the embodiment of recommender system can be by running on the program on processor (executable instruction)
And realize, it can also be realized by specific logic circuit.If the above-mentioned channel of disbursement recommender system of the embodiment of the present application is with soft
The form of part functional module is realized and when sold or used as an independent product, also can store computer-readable at one
In storage medium.Based on this understanding, the technical solution of the embodiment of the present application substantially makes tribute to the prior art in other words
The part offered can be embodied in the form of software products, which is stored in a storage medium, packet
Some instructions are included to use so that a computer equipment (can be personal computer, server or network equipment etc.) executes
The all or part of each embodiment the method for the application.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only deposits
The various media that can store program code such as reservoir (ROM, Read Only Memory), magnetic or disk.In this way, this Shen
Please embodiment be not limited to any specific hardware and software and combine.
Correspondingly, the application embodiment also provides a kind of computer readable storage medium, wherein being stored with computer can
It executes instruction, which realizes each method embodiment of the application when being executed by processor.Computer can
Reading storage medium includes that permanent and non-permanent, removable and non-removable media can be accomplished by any method or technique
Information storage.Information can be computer readable instructions, data structure, the module of program or other data.The storage of computer
The example of medium includes but is not limited to that phase change memory (PRAM), static random access memory (SRAM), dynamic randon access are deposited
Reservoir (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electrically erasable is read-only deposits
Reservoir (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), digital multi light
Disk (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices or any other is non-
Transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, computer-readable storage medium
Matter does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
In addition, the application embodiment also provides a kind of channel of disbursement recommender system, including for storing computer
The memory of executable instruction, and, processor；The processor is used to execute the computer executable instructions in the memory
Step in the above-mentioned each method embodiment of Shi Shixian.Wherein, which can be central processing unit (Central
Processing Unit, referred to as " CPU "), it can also be other general processors, digital signal processor (Digital
Signal Processor, referred to as " DSP "), specific integrated circuit (Application Specific Integrated
Circuit, referred to as " ASIC ") etc..Memory above-mentioned can be read-only memory (read-only memory, abbreviation
" ROM "), random access memory (random access memory, referred to as " RAM "), flash memory (Flash), hard disk
Or solid state hard disk etc..The step of method disclosed in each embodiment of the present invention, can be embodied directly in hardware processor execution
Complete, or in processor hardware and software module combine execute completion.
It should be noted that relational terms such as first and second and the like are only in the application documents of this patent
For distinguishing one entity or operation from another entity or operation, without necessarily requiring or implying these entities
Or there are any actual relationship or orders between operation.Moreover, the terms "include", "comprise" or its any other
Variant is intended to non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not only
It including those elements, but also including other elements that are not explicitly listed, or further include for this process, method, object
Product or the intrinsic element of equipment.In the absence of more restrictions, the element limited by sentence " including one ", not
There is also other identical elements in the process, method, article or apparatus that includes the element for exclusion.The application of this patent
In file, if it is mentioned that certain behavior is executed according to certain element, then refers to the meaning for executing the behavior according at least to the element, wherein
Include two kinds of situations: executing the behavior according only to the element and the behavior is executed according to the element and other elements.Multiple,
Repeatedly, the expression such as a variety of include 2,2 times, 2 kinds and 2 or more, 2 times or more, two or more.
It is included in disclosure of this application with being considered as globality in all documents that the application refers to, so as to
It can be used as the foundation of modification if necessary.In addition, it should also be understood that, the foregoing is merely the preferred embodiments of this specification, and
The non-protection scope for being used to limit this specification.It is all this specification one or more embodiment spirit and principle within, institute
Any modification, equivalent substitution, improvement and etc. of work, should be included in this specification one or more embodiment protection scope it
It is interior.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
Claims (16)
1. a kind of channel of disbursement recommended method characterized by comprising
Each channel payment capacity is obtained in the practical accounting of a upper time window；
Capacity is paid in the expectation accounting of actual time window, to each canal according to the practical accounting and pre-set each channel
Road payment capacity is adjusted in the recommendation ratio of a upper time window, obtains each channel payment capacity pushing away in actual time window
Recommend ratio；
According to the recommendation of the actual time window than the payment preferences parameter with designated user, obtain to the designated user's
Channel of disbursement recommendation results；Wherein the payment preferences parameter is each channel of disbursement for reflecting a user and being able to use to it
The parameter of preference.
2. the method as described in claim 1, which is characterized in that the recommendation ratio of a described pair of upper time window is adjusted, into
One step includes:
Expectation accounting by each channel payment capacity in actual time window exists divided by each channel payment capacity respectively
The practical accounting of a upper time window, then respectively multiplied by each channel payment capacity in the recommendation ratio of a upper time window, obtain
Capacity is paid in the recommendation ratio of actual time window to each channel.
3. the method as described in claim 1, which is characterized in that the recommendation ratio according to the actual time window and specified
The payment preferences parameter of user, obtain further comprise to the channel of disbursement recommendation results of the designated user:
For channel described in each, respectively by the channel actual time window recommendation than multiplied by the designated user to this
The payment preferences parameter of channel obtains the designated user to the recommendation of the channel；
Using the maximum channel of recommendation as the channel of disbursement recommendation results to the designated user.
4. the method as described in claim 1, which is characterized in that the payment preferences parameter is according to user's nearest a period of time
What the setting of interior payment behavior and/or user obtained.
5. the method as described in claim 1, which is characterized in that the recommendation ratio according to the actual time window and specified
The payment preferences parameter of user, the step of obtaining the channel of disbursement recommendation results to the designated user, be in the specified use
It is triggered when the submission order of family.
6. method as claimed in claim 5, which is characterized in that obtain recommending the channel of disbursement of the designated user described
As a result after, further includes: the terminal that Xiang Suoshu designated user uses sends the channel of disbursement recommendation results.
7. the method as described in any one of claim 1 to 6, which is characterized in that the length of the time window was at 10 seconds
To 15 seconds ranges.
8. a kind of channel of disbursement recommender system characterized by comprising
Practical accounting obtains module, for obtaining each channel payment capacity in the practical accounting of a upper time window；
Recommend than adjustment module, for paying capacity in current time window according to the practical accounting and pre-set each channel
The expectation accounting of mouth is adjusted each channel payment capacity in the recommendation ratio of a upper time window, obtains each channel payment and hold
Measure the recommendation ratio in actual time window；
Recommending module, for according to the recommendation of the actual time window than and designated user payment preferences parameter, obtain pair
The channel of disbursement recommendation results of the designated user；Wherein the payment preferences parameter is that one user of reflection is able to use it
Each channel of disbursement preference parameter.
9. system as claimed in claim 8, which is characterized in that the recommendation adjusts recommendation than adjustment module in the following manner
Than: the expectation accounting by each channel payment capacity in actual time window pays capacity upper divided by each channel respectively
The practical accounting of one time window, then respectively multiplied by each channel payment capacity in the recommendation ratio of a upper time window, obtain
Recommendation ratio of each channel payment capacity in actual time window.
10. system as claimed in claim 8, which is characterized in that the recommending module further comprises:
Recommendation computational submodule, for for channel described in each, respectively by the channel actual time window recommendation
Than the payment preferences parameter multiplied by the designated user to the channel, the designated user is obtained to the recommendation of the channel；
Comparative sub-module, for using the maximum channel of recommendation as the channel of disbursement recommendation results to the designated user.
11. system as claimed in claim 8, which is characterized in that when the payment preferences parameter is one section nearest according to user
What the setting of interior payment behavior and/or user obtained.
12. system as claimed in claim 8, which is characterized in that the recommending module submits order in the designated user
When be triggered to calculate to the channel of disbursement recommendation results of the designated user.
13. system as claimed in claim 12, which is characterized in that further include sending module, for making to the designated user
Terminal sends the channel of disbursement recommendation results.
14. the system as described in any one of claim 8 to 13, which is characterized in that the length of the time window is 10
The range of second to 15 seconds.
15. a kind of channel of disbursement recommender system characterized by comprising
Memory, for storing computer executable instructions；And
Processor, it is as claimed in any of claims 1 to 7 in one of claims for being realized when executing the computer executable instructions
Step in method.
16. a kind of computer readable storage medium, which is characterized in that be stored with computer in the computer readable storage medium
Executable instruction is realized as described in any one of claim 1 to 7 when the computer executable instructions are executed by processor
Method in step.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910007581.4A CN110033247B (en) | 2019-01-04 | 2019-01-04 | Payment channel recommendation method and system |
| TW108130392A TWI712970B (en) | 2019-01-04 | 2019-08-26 | Payment channel recommendation method and system and computer readable storage medium |
| PCT/CN2019/124092 WO2020140697A1 (en) | 2019-01-04 | 2019-12-09 | Payment channel recommendation method and system therefor |
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| CN201910007581.4A CN110033247B (en) | 2019-01-04 | 2019-01-04 | Payment channel recommendation method and system |
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| CN110033247B CN110033247B (en) | 2021-11-05 |
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| CN (1) | CN110033247B (en) |
| TW (1) | TWI712970B (en) |
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| WO2020140697A1 (en) * | 2019-01-04 | 2020-07-09 | 阿里巴巴集团控股有限公司 | Payment channel recommendation method and system therefor |
| CN113496399A (en) * | 2020-04-08 | 2021-10-12 | 北京意锐新创科技有限公司 | Payment channel control method and device suitable for payment equipment |
| CN114710483A (en) * | 2022-06-08 | 2022-07-05 | 杭州比智科技有限公司 | Unified transmission method and system based on multi-cloud object storage |
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| CN113347226B (en) * | 2021-04-25 | 2022-12-02 | 北京淇瑀信息科技有限公司 | Touch channel routing method and device and electronic equipment |
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Also Published As
| Publication number | Publication date |
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| CN110033247B (en) | 2021-11-05 |
| WO2020140697A1 (en) | 2020-07-09 |
| TW202026975A (en) | 2020-07-16 |
| TWI712970B (en) | 2020-12-11 |
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