CN110245934A - The recommended method and device of channel of disbursement - Google Patents
The recommended method and device of channel of disbursement Download PDFInfo
- Publication number
- CN110245934A CN110245934A CN201910346229.3A CN201910346229A CN110245934A CN 110245934 A CN110245934 A CN 110245934A CN 201910346229 A CN201910346229 A CN 201910346229A CN 110245934 A CN110245934 A CN 110245934A
- Authority
- CN
- China
- Prior art keywords
- disbursement
- channel
- user
- preference
- expectation
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000000034 method Methods 0.000 title claims abstract description 40
- 238000005457 optimization Methods 0.000 claims abstract description 54
- 230000006399 behavior Effects 0.000 claims description 18
- 238000004590 computer program Methods 0.000 claims description 4
- 235000013399 edible fruits Nutrition 0.000 claims description 3
- 230000006870 function Effects 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 230000004048 modification Effects 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 230000003068 static effect Effects 0.000 description 3
- 238000003066 decision tree Methods 0.000 description 2
- 238000005192 partition Methods 0.000 description 2
- 230000003542 behavioural effect Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000001914 filtration Methods 0.000 description 1
- 229910052709 silver Inorganic materials 0.000 description 1
- 239000004332 silver Substances 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Classifications
-
- 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
- G06Q20/22—Payment schemes or models
Abstract
This specification embodiment provides the recommended method and device of a kind of channel of disbursement, method includes: the original ordering of optimization preference for obtaining each user first to each channel of disbursement, and it obtains each user and is matched using the expectation of each channel of disbursement, then it is matched according to the expectation of each channel of disbursement, original ordering of optimization preference of each user to each channel of disbursement is deployed, the preferred channel of disbursement of each user preference after being deployed, finally according to the preferred channel of disbursement of each user preference after allotment, determine the channel of disbursement recommended respectively to each user, to under successful precondition of guaranteeing payment, user's payment preferences are followed as far as possible, to user one good payment experience.
Description
Technical field
This specification one or more embodiment is related to the recommended method and dress of computer field more particularly to channel of disbursement
It sets.
Background technique
There is currently a variety of channel of disbursement, as bank card, remaining sum, Yuebao, flower, card certificate, integral, red packet, prepaid card
Etc. it is any can be as the channel of use of funds.Normally, e-commerce platform has first means of payment of default, also referred to as
The preferred means of payment.The preferred means of payment may be considered channel of disbursement recommended to the user.
The big peak period payment request per second that promotees reaches hundreds of thousands, and actual delivery channel is none of individually to prop up
Such scale is supportted, such as: second grade payment request total amount 30w, bank card maximum 5w, flower 20w, remaining sum 15w, Yuebao 15w.And
Daily user's payment has the channel of oneself to use preference, the grade payment request of maximum second that can be supported using preference and corresponding channel
Amount cannot coincide, if fully complying with user's routine use preference to determine the preferred means of payment, bring consequence is nothing
Method is successfully paid.
Accordingly, it would be desirable to there is improved plan, under successful precondition of guaranteeing payment, it is inclined that user's payment is followed as far as possible
It is good, to user one good payment experience.
Summary of the invention
This specification one or more embodiment describes the recommended method and device of a kind of channel of disbursement, is guaranteeing payment
Under successful precondition, user's payment preferences are followed as far as possible, to user one good payment experience.
In a first aspect, providing a kind of recommended method of channel of disbursement, method includes:
Each user is obtained to the original ordering of optimization preference of each channel of disbursement；
Each user is obtained to match using the expectation of each channel of disbursement；
It is matched according to the expectation of each channel of disbursement, original ordering of optimization preference of each user to each channel of disbursement is deployed,
The preferred channel of disbursement of each user preference after being deployed；
According to the preferred channel of disbursement of each user preference after allotment, the channel of disbursement recommended respectively to each user is determined.
It is described to obtain each user to the original ordering of optimization preference of each channel of disbursement in a kind of possible embodiment, comprising:
Obtain the history payment behavior data of each user；Wherein, the history payment behavior data include at least each history
Channel of disbursement and corresponding payment result, the payment result include paying successfully to fail with payment；
According to each history channel of disbursement of each user and corresponding payment result, predict each user to the original of each channel of disbursement
Beginning ordering of optimization preference.
Further, described according to each history channel of disbursement of each user and corresponding payment result, predict each user couple
The original ordering of optimization preference of each channel of disbursement, comprising:
According to each history channel of disbursement of target user and corresponding payment result, the payment of the target user is filtered out
It as a result is each history channel of disbursement corresponding when paying successfully；
Count the number for each history channel of disbursement of the target user filtered out；
According to the sequence that the number is descending, determine that the target user arranges the original preference of each channel of disbursement
Sequence.
In a kind of possible embodiment, the expectation proportion for obtaining each user and using each channel of disbursement, comprising:
The total payment of the payment request total amount and expected unit time that can be born according to each channel of disbursement unit time
Total amount is requested, determines that each user is matched using the expectation of each channel of disbursement.
It is described to be matched according to the expectation of each channel of disbursement in a kind of possible embodiment, to each user to each payment
The original ordering of optimization preference of channel is deployed, the preferred channel of disbursement of each user preference after being deployed, comprising:
According to ratio shared by each channel of disbursement in the preferred channel of disbursement of the current preference of each user, each channel of disbursement is determined
Current proportion；
For the non-preferred channel of disbursement of each user, judges whether the current proportion of the non-preferred channel of disbursement is less than and be somebody's turn to do
The expectation of non-preferred channel of disbursement matches；
When the current proportion for judging the non-preferred channel of disbursement is less than the expectation proportion of the non-preferred channel of disbursement, adjust
The whole user is to the original ordering of optimization preference of each channel of disbursement, so that the non-preferred channel of disbursement is allocated as the first choice of the user preference
Channel of disbursement.
Further, the method also includes:
After all non-preferred channel of disbursement for having traversed each user, the current proportion and each payment of each channel of disbursement are judged
Whether the expectation proportion of channel is consistent；
If it is judged that the current proportion of each channel of disbursement and the expectation of each channel of disbursement match inconsistent, then outputting alarm
Information, the warning information are used to notify to need to adjust the expectation proportion of each channel of disbursement.
Further, described to adjust the user to the original ordering of optimization preference of each channel of disbursement, so that the non-preferred payment canal
Road is allocated as before the preferred channel of disbursement of the user preference, the method also includes:
The preferred channel of disbursement for determining the current preference of the user is not the prespecified channel of disbursement preferentially distributed.
It is described to be matched according to the expectation of each channel of disbursement in a kind of possible embodiment, to each user to each payment
The original ordering of optimization preference of channel is deployed, the preferred channel of disbursement of each user preference after being deployed, comprising:
Each user is distributed into multiple machines, the expectation according to each channel of disbursement is executed by each machine respectively and is matched
Than being deployed to original ordering of optimization preference of each user to each channel of disbursement, the preferred branch of each user preference after being deployed
Pay channel.
Second aspect, provides a kind of recommendation apparatus of channel of disbursement, and device includes:
First acquisition unit, for obtaining each user to the original ordering of optimization preference of each channel of disbursement；
Second acquisition unit is matched for obtaining each user using the expectation of each channel of disbursement；
Deployment unit, the expectation proportion of each channel of disbursement for being obtained according to the second acquisition unit, to described the
Each user that one acquiring unit obtains deploys the original ordering of optimization preference of each channel of disbursement, and each user after being deployed is inclined
Good preferred channel of disbursement；
Recommendation unit, for according to the deployment unit allotment after each user preference preferred channel of disbursement, determine to
The channel of disbursement that each user recommends respectively.
The third aspect provides a kind of computer readable storage medium, is stored thereon with computer program, when the calculating
When machine program executes in a computer, enable computer execute first aspect method.
Fourth aspect provides a kind of calculating equipment, including memory and processor, and being stored in the memory can hold
Line code, when the processor executes the executable code, the method for realizing first aspect.
The method and apparatus provided by this specification embodiment obtain each user to the original inclined of each channel of disbursement first
Good sequence, and obtain each user and matched using the expectation of each channel of disbursement, then matched according to the expectation of each channel of disbursement, it is right
Each user deploys the original ordering of optimization preference of each channel of disbursement, the preferred payment canal of each user preference after being deployed
Road determines the channel of disbursement recommended respectively to each user finally according to the preferred channel of disbursement of each user preference after allotment.By
Above as it can be seen that this specification embodiment not only allows for user preference, and according to each when recommending channel of disbursement to user
The expectation for paying channel is deployed with user preference is compared, to follow as far as possible under successful precondition of guaranteeing payment
User's payment preferences, to user one good payment experience.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, required use in being described below to embodiment
Attached drawing be briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this
For the those of ordinary skill of field, without creative efforts, it can also be obtained according to these attached drawings others
Attached drawing.
Fig. 1 is the implement scene schematic diagram of one embodiment that this specification discloses；
Fig. 2 shows the recommended method flow charts according to the channel of disbursement of one embodiment；
Fig. 3 shows the schematic block diagram of the recommendation apparatus of the channel of disbursement according to one embodiment.
Specific embodiment
With reference to the accompanying drawing, the scheme provided this specification is described.
Fig. 1 is the implement scene schematic diagram of one embodiment that this specification discloses.The implement scene is related to channel of disbursement
Recommendation, that is to say, that be related to static channel of disbursement proportion.In the implement scene, including two stages: first stage,
According to user's payment behavior feature, using Gradient Iteration decision tree (gradient boosting decision tree, GBDT)
Prediction model carries out offline preferential learning to obtain the channel of disbursement preference of user；Second stage, according to static state proportion configuration
File, the Random matching algorithm based on MapReduce deploy the channel of disbursement preference of user.
It is understood that channel of disbursement is the channel of use of funds, can be, but not limited to include, such as it is bank card, remaining
Volume, Yuebao, flower, the channels such as card certificate, integral, red packet, prepaid card.
Wherein, Main sources of capital Finance is in main channel of disbursement, for example, bank card, remaining sum, Yuebao, flower etc..
In this specification embodiment, flow can be distributed to channel according to a certain percentage, this ratio is in this programme
Referred to as match, such as: rush peak period greatly, it is expected that bank card flow x%, flower y%, Yuebao z%, remaining sum m%, x+y+z+m=
100%, x, y, z, the different values of m are just different proportions.First means of payment of e-commerce platform default, it is referred to as first
Select the means of payment.The expectation proportion of each channel of disbursement may be embodied in static proportion configuration file.User's payment behavior feature
It can be obtained from the history payment behavior data of user, for example, can be, but not limited to includes history channel of disbursement and payment knot
Fruit etc., payment result include paying successfully to fail with payment.
It should be noted that above-mentioned GBDT prediction model and the Random matching algorithm based on MapReduce are only for example
It is bright, it is not used to the restriction to this specification embodiment providing method.
This specification embodiment not only allows for user preference, and according to each when recommending channel of disbursement to user
The expectation for paying channel is deployed with user preference is compared, to follow as far as possible under successful precondition of guaranteeing payment
User's payment preferences, to user one good payment experience.
Fig. 2 shows the recommended method flow chart according to the channel of disbursement of one embodiment, which can be based on Fig. 1 institute
The application scenarios shown.As shown in Fig. 2, the recommended method of channel of disbursement is the following steps are included: step 21, obtains each in the embodiment
Original ordering of optimization preference of the user to each channel of disbursement；Step 22, each user is obtained to match using the expectation of each channel of disbursement；Step
23, it is matched according to the expectation of each channel of disbursement, original ordering of optimization preference of each user to each channel of disbursement is deployed, is adjusted
The preferred channel of disbursement of each user preference after matching；Step 24, according to the preferred channel of disbursement of each user preference after allotment, really
Orient the channel of disbursement that each user recommends respectively.The specific executive mode of above each step is described below.
First in step 21, each user is obtained to the original ordering of optimization preference of each channel of disbursement.It is understood that can divide
Do not determine each user to the original ordering of optimization preference of each channel of disbursement.
In one example, the history payment behavior data of each user are obtained；Wherein, the history payment behavior data are extremely
It less include each history channel of disbursement and corresponding payment result, the payment result includes paying successfully to fail with payment；According to
Each history channel of disbursement of each user and corresponding payment result predict each user to the original ordering of optimization preference of each channel of disbursement.
For example, filtering out the payment knot of the target user according to each history channel of disbursement of target user and corresponding payment result
Fruit is corresponding each history channel of disbursement when paying successfully；Count each history channel of disbursement of the target user filtered out
Number；According to the sequence that the number is descending, determine the target user to the original ordering of optimization preference of each channel of disbursement.
Wherein, the history payment behavior data of user embody user's payment behavior feature, for example, the history of user is paid
Behavioral data can be as shown in Table 1.
Table one: the history payment behavior data of user
It should be noted that practical bank card can also distinguish between specifically which bank, it is referred to as silver here for convenience of understanding
Row card.
It can determine that user to the ordering of optimization preference of each channel of disbursement, can also tie according only to channel of disbursement and payment result
Closing other history payment behavior data (for example, payment scene, time of payment, payment amount etc.) determines user to each channel of disbursement
Ordering of optimization preference.
For example, the channel of disbursement ordering of optimization preference in conjunction with the history payment behavior data output of user can be as shown in Table 2.
Table two: the channel of disbursement ordering of optimization preference of user
Then it in step 22, obtains each user and is matched using the expectation of each channel of disbursement.It is understood that respectively paying canal
The expectation proportion in road, which can be, to be manually arranged, and is also possible to be automatically generated by machine according to preset rules.
In one example, the payment request total amount that can be born according to each channel of disbursement unit time and expected list
Position time total payment request total amount determines that each user is matched using the expectation of each channel of disbursement.
Such as: second grade payment request peak amount 30w, bank card maximum 5w, flower 20w, remaining sum 15w, Yuebao 15w.
In order to guarantee that user's payment request can be gone on the channel with ability to pay, need to be previously set desired channel proportion
(such as: flower 50%, Yuebao 10%, remaining sum 20%, bank card 20%).
Then it in step 23, is matched according to the expectation of each channel of disbursement, to each user to the original preference of each channel of disbursement
Sequence is deployed, the preferred channel of disbursement of each user preference after being deployed.It is understood that this specification embodiment
In, original ordering of optimization preference of each user to each channel of disbursement is deployed, main purpose is to adjust the first choice of each user preference
Channel of disbursement.
In one example, the ratio according to shared by each channel of disbursement in the preferred channel of disbursement of the current preference of each user,
Determine the current proportion of each channel of disbursement；For the non-preferred channel of disbursement of each user, the non-preferred channel of disbursement is judged
The expectation whether current proportion is less than the non-preferred channel of disbursement matches；When the current proportion for judging the non-preferred channel of disbursement
When expectation less than the non-preferred channel of disbursement matches, the user is adjusted to the original ordering of optimization preference of each channel of disbursement, so that should
Non-preferred channel of disbursement is allocated as the preferred channel of disbursement of the user preference.
Further, after all non-preferred channel of disbursement for having traversed each user, judge currently matching for each channel of disbursement
It is whether more consistent than the expectation proportion with each channel of disbursement；If it is judged that current proportion and each channel of disbursement of each channel of disbursement
It is expected that matching inconsistent, then outputting alarm information, the warning information is for notifying the expectation for needing to adjust each channel of disbursement to match
Than.
Further, the preferred channel of disbursement for first determining the current preference of the user is not the prespecified branch preferentially distributed
Channel is paid, then adjusts the user to the original ordering of optimization preference of each channel of disbursement, so that the non-preferred channel of disbursement is allocated as the use
The preferred channel of disbursement of family preference.
In one example, by the way of distributed treatment, each user is distributed into multiple machines, by each machine point
Do not execute it is described according to the expectation of each channel of disbursement match, original ordering of optimization preference of each user to each channel of disbursement is adjusted
Match, the preferred channel of disbursement of each user preference after being deployed.
In order to have one clearly to recognize allocation process, it is illustrated below by a specific example.Such as table
Three show daily user's channel of disbursement preference list, for simplicity, preference point are omitted, only embody each channel of disbursement
Ordering of optimization preference.
Table three: daily user's channel of disbursement preference list
Referring to table three, by the statistics to channel of disbursement, available actual user first place means of payment ratio, flower
=3/10=30%, bank card=5/10=50%, Yuebao=1/10=10%, remaining sum=1/10=10%.
In this example, desired channel of disbursement preference, can be specified by outside, such as:
Flower: 50%, Yuebao 20%, remaining sum 10%, bank card 20%.
It can be as shown in Table 4 in conjunction with user's channel of disbursement preference after the proportion allotment of desired channel of disbursement.
Table four: user's channel of disbursement preference after allotment
| User ID | Channel of disbursement preference |
| Id1 | Taobao's shopping: bank card |
| Id2 | Taobao shopping: flower, bank card |
| Id3 | Taobao's shopping: remaining sum |
| Id4 | Taobao's shopping: Yuebao |
| Id5 | Taobao shopping: flower |
| Id6 | Taobao shopping: flower, bank card |
| Id7 | Taobao's shopping: Yuebao, bank card |
| Id8 | Taobao's shopping: bank card, remaining sum |
| Id9 | Taobao shopping: flower |
| Id10 | Taobao shopping: flower |
Referring to table four, each channel of disbursement proportion after allotment: flower 50%, Yuebao 20%, remaining sum 10%, bank card
20%, it is consistent with expectation proportion.
This specification embodiment additionally provides a kind of specific allotment logical process: (flower=it is HB, Yuebao=YEB, remaining
Volume=YE, bank card=YHK)
1, a counter is initialized to each channel of disbursement, is indicated with C (*), such as:
C (HB)=C (YEB)=C (YE)=C (YHK)=100
2, partition function:
Traverse all users:
The current proportion of each channel of disbursement is calculated,
D (HB)=a
D (YEB)=b
D (YE)=c
D(YHK)d
If current proportion and expectation proportion are inconsistent, all channel of disbursement of target user are traversed:
Judge whether the current proportion of current channel of disbursement is less than the corresponding expectation proportion of the channel of disbursement, if it is less than the phase
Hope proportion:
The channel of disbursement that modification user first elects
Corresponding counter+1
After all channel of disbursement for having traversed all users, if current proportion and expectation proportion are still inconsistent,
It is available without channel of disbursement to be likely to occur user, outputting alarm information reports an error, and notifies to need to check offline given proportion.
It is understood that after being deployed every time to the channel of disbursement of user preference, it can be according to the numerical value of counter
Current proportion is recalculated, if current proportion is consistent with expectation proportion, terminates allocation process, otherwise continues to next user
Allocation process, it is consistent with expectation proportion until currently matching.
In one example, allocation process can be realized based on MapReduce:
The specified input of user, the machine quantity N of Reduce.
1, the end Map
A random number n is distributed to user, represents and the user is assigned to n-th Reduce machine progress channel distribution.
2, the end Reduce
The m user of n-th of machine is distributed to, partition function is executed, redistributes channel.
Realization based on MapReduce can also increase Combiner stage, the promotion in available efficiency.
Further, it is also possible to increase some rules modifications proportion functions, such as: have flower preferential distribution flower etc..
Finally in step 24, according to the preferred channel of disbursement of each user preference after allotment, determination pushes away respectively to each user
The channel of disbursement recommended.It is understood that recommending the concrete form of channel of disbursement can be for using default channel of disbursement to user
Mode, be also possible to come the channel of disbursement of recommendation the first mode of multiple channel of disbursement link sequences.
The method provided by this specification embodiment obtains each user first and arranges the original preference of each channel of disbursement
Sequence, and obtain each user and matched using the expectation of each channel of disbursement, it is then matched according to the expectation of each channel of disbursement, to each use
The original ordering of optimization preference of each channel of disbursement is deployed at family, the preferred channel of disbursement of each user preference after being deployed, most
Afterwards according to the preferred channel of disbursement of each user preference after allotment, the channel of disbursement recommended respectively to each user is determined.It can from above
See, this specification embodiment, when recommending channel of disbursement to user, not only allows for user preference, and according to each payment canal
The expectation in road is deployed with user preference is compared, to follow user as far as possible under successful precondition of guaranteeing payment
Payment preferences, to user one good payment experience.
According to the embodiment of another aspect, a kind of recommendation apparatus of channel of disbursement is also provided, described device is for executing sheet
The recommended method for the channel of disbursement that specification embodiment provides.Fig. 3 is shown to be filled according to the recommendation of the channel of disbursement of one embodiment
The schematic block diagram set.As shown in figure 3, the device 300 includes:
First acquisition unit 31, for obtaining each user to the original ordering of optimization preference of each channel of disbursement；
Second acquisition unit 32 is matched for obtaining each user using the expectation of each channel of disbursement；
Deployment unit 33, the expectation proportion of each channel of disbursement for being obtained according to the second acquisition unit 32, to institute
Each user for stating the acquisition of first acquisition unit 31 deploys the original ordering of optimization preference of each channel of disbursement, each after being deployed
The preferred channel of disbursement of user preference；
Recommendation unit 34, for the preferred channel of disbursement according to each user preference after the deployment unit 33 allotment, really
Orient the channel of disbursement that each user recommends respectively.
Optionally, as one embodiment, the first acquisition unit 31, comprising:
Subelement is obtained, for obtaining the history payment behavior data of each user；Wherein, the history payment behavior data
Including at least each history channel of disbursement and corresponding payment result, the payment result includes paying successfully to fail with payment；
Predict subelement, each history channel of disbursement of each user for obtaining according to the acquisition subelement and corresponding
Payment result predicts each user to the original ordering of optimization preference of each channel of disbursement.
Further, the prediction subelement, is specifically used for:
According to each history channel of disbursement of target user and corresponding payment result, the payment of the target user is filtered out
It as a result is each history channel of disbursement corresponding when paying successfully；
Count the number for each history channel of disbursement of the target user filtered out；
According to the sequence that the number is descending, determine that the target user arranges the original preference of each channel of disbursement
Sequence.
Optionally, as one embodiment, the second acquisition unit 32, when being specifically used for according to each channel of disbursement unit
Between the payment request total amount that can bear and total payment request total amount of expected unit time, determine that each user uses each
Pay the expectation proportion of channel.
Optionally, as one embodiment, the deployment unit 33, comprising:
Subelement is determined, for the ratio according to shared by each channel of disbursement in the preferred channel of disbursement of the current preference of each user
Example, determines the current proportion of each channel of disbursement；
Judgment sub-unit judges working as the non-preferred channel of disbursement for being directed to the non-preferred channel of disbursement of each user
The expectation whether preceding proportion is less than the non-preferred channel of disbursement matches；
Subelement is deployed, is somebody's turn to do for judging that the current proportion of the non-preferred channel of disbursement is less than when the judgment sub-unit
When the expectation proportion of non-preferred channel of disbursement, the user is adjusted to the original ordering of optimization preference of each channel of disbursement, so that this is non-preferred
Channel of disbursement is allocated as the preferred channel of disbursement of the user preference.
Further, described device further include:
Judging unit, after all non-preferred channel of disbursement that each user has been traversed for the deployment unit, judgement is each
Whether the current proportion of channel of disbursement and the expectation proportion of each channel of disbursement are consistent；
Output unit, if judging that the current of each channel of disbursement matches and each channel of disbursement for the judging unit
It is expected that matching inconsistent, then outputting alarm information, the warning information is for notifying the expectation for needing to adjust each channel of disbursement to match
Than.
Further, the allotment subelement is also used to the original preference in described adjustment user to each channel of disbursement
Sequence, so that the non-preferred channel of disbursement is allocated as before the preferred channel of disbursement of the user preference, determines that the user is currently inclined
Good preferred channel of disbursement is not the prespecified channel of disbursement preferentially distributed.
Optionally, as one embodiment, the deployment unit 33, specifically for each user is distributed to multiple machines,
By each machine execute respectively it is described according to the expectation of each channel of disbursement match, to each user to the original preference of each channel of disbursement
Sequence is deployed, the preferred channel of disbursement of each user preference after being deployed.
The device provided by this specification embodiment, first first acquisition unit 31 obtain each user to each channel of disbursement
Original ordering of optimization preference and second acquisition unit 32 obtain each user using each channel of disbursement expectation match, then deploy
Unit 33 is matched according to the expectation of each channel of disbursement, is deployed, is obtained to original ordering of optimization preference of each user to each channel of disbursement
The preferred channel of disbursement of each user preference after to allotment, last recommendation unit 34 is according to the first choice of each user preference after allotment
Channel of disbursement determines the channel of disbursement recommended respectively to each user.Therefore this specification embodiment, recommend to user
When channel of disbursement, user preference is not only allowed for, and adjusted with user preference is compared according to the expectation of each channel of disbursement
Match, to follow user's payment preferences as far as possible under successful precondition of guaranteeing payment, gives user one good payment body
It tests.
According to the embodiment of another aspect, a kind of computer readable storage medium is also provided, is stored thereon with computer journey
Sequence enables computer execute method described in conjunction with Figure 2 when the computer program executes in a computer.
According to the embodiment of another further aspect, a kind of calculating equipment, including memory and processor, the memory are also provided
In be stored with executable code, when the processor executes the executable code, realize the method in conjunction with described in Fig. 2.
Those skilled in the art are it will be appreciated that in said one or multiple examples, function described in the invention
It can be realized with hardware, software, firmware or their any combination.It when implemented in software, can be by these functions
Storage in computer-readable medium or as on computer-readable medium one or more instructions or code transmitted.
Above-described specific embodiment has carried out further the purpose of the present invention, technical scheme and beneficial effects
It is described in detail, it should be understood that being not intended to limit the present invention the foregoing is merely a specific embodiment of the invention
Protection scope, all any modification, equivalent substitution, improvement and etc. on the basis of technical solution of the present invention, done should all
Including within protection scope of the present invention.
Claims (18)
1. a kind of recommended method of channel of disbursement, which comprises
Each user is obtained to the original ordering of optimization preference of each channel of disbursement；
Each user is obtained to match using the expectation of each channel of disbursement；
It is matched according to the expectation of each channel of disbursement, original ordering of optimization preference of each user to each channel of disbursement is deployed, is obtained
The preferred channel of disbursement of each user preference after allotment；
According to the preferred channel of disbursement of each user preference after allotment, the channel of disbursement recommended respectively to each user is determined.
2. the method for claim 1, wherein described obtain each user to the original ordering of optimization preference of each channel of disbursement, packet
It includes:
Obtain the history payment behavior data of each user；Wherein, the history payment behavior data are paid including at least each history
Channel and corresponding payment result, the payment result include paying successfully to fail with payment；
According to each history channel of disbursement of each user and corresponding payment result, predict each user to the original inclined of each channel of disbursement
Good sequence.
3. method according to claim 2, wherein described to be tied according to each history channel of disbursement of each user and corresponding payment
Fruit predicts each user to the original ordering of optimization preference of each channel of disbursement, comprising:
According to each history channel of disbursement of target user and corresponding payment result, the payment result of the target user is filtered out
Corresponding each history channel of disbursement when to pay successfully；
Count the number for each history channel of disbursement of the target user filtered out；
According to the sequence that the number is descending, determine the target user to the original ordering of optimization preference of each channel of disbursement.
4. the method for claim 1, wherein expectation proportion for obtaining each user and using each channel of disbursement, comprising:
The total payment request of the payment request total amount and expected unit time that can be born according to each channel of disbursement unit time
Total amount determines that each user is matched using the expectation of each channel of disbursement.
5. the method for claim 1, wherein described match according to the expectation of each channel of disbursement, to each user to each
The original ordering of optimization preference for paying channel is deployed, the preferred channel of disbursement of each user preference after being deployed, comprising:
According to ratio shared by each channel of disbursement in the preferred channel of disbursement of the current preference of each user, working as each channel of disbursement is determined
Preceding proportion；
For the non-preferred channel of disbursement of each user, judge whether the current proportion of the non-preferred channel of disbursement is less than the non-head
The expectation of channel of disbursement is selected to match；
When the current proportion for judging the non-preferred channel of disbursement is less than the expectation proportion of the non-preferred channel of disbursement, adjustment should
User is to the original ordering of optimization preference of each channel of disbursement, so that the non-preferred channel of disbursement is allocated as the preferred payment of the user preference
Channel.
6. method as claimed in claim 5, wherein the method also includes:
After all non-preferred channel of disbursement for having traversed each user, judge that the current of each channel of disbursement matches and each channel of disbursement
Expectation proportion it is whether consistent；
If it is judged that the current proportion of each channel of disbursement and the expectation proportion of each channel of disbursement are inconsistent, then outputting alarm is believed
Breath, the warning information are used to notify to need to adjust the expectation proportion of each channel of disbursement.
7. method as claimed in claim 5, wherein described adjustment user makes the original ordering of optimization preference of each channel of disbursement
The non-preferred channel of disbursement is obtained to be allocated as before the preferred channel of disbursement of the user preference, the method also includes:
The preferred channel of disbursement for determining the current preference of the user is not the prespecified channel of disbursement preferentially distributed.
8. the method for claim 1, wherein described match according to the expectation of each channel of disbursement, to each user to each
The original ordering of optimization preference for paying channel is deployed, the preferred channel of disbursement of each user preference after being deployed, comprising:
Each user is distributed into multiple machines, by each machine execute respectively it is described according to the expectation of each channel of disbursement match, it is right
Each user deploys the original ordering of optimization preference of each channel of disbursement, the preferred payment canal of each user preference after being deployed
Road.
9. a kind of recommendation apparatus of channel of disbursement, described device include:
First acquisition unit, for obtaining each user to the original ordering of optimization preference of each channel of disbursement；
Second acquisition unit is matched for obtaining each user using the expectation of each channel of disbursement；
Deployment unit, the expectation proportion of each channel of disbursement for being obtained according to the second acquisition unit, is obtained to described first
Each user for taking unit to obtain deploys the original ordering of optimization preference of each channel of disbursement, each user preference after being deployed
Preferred channel of disbursement；
Recommendation unit is determined for the preferred channel of disbursement according to each user preference after deployment unit allotment to each use
The channel of disbursement that family is recommended respectively.
10. device as claimed in claim 9, wherein the first acquisition unit, comprising:
Subelement is obtained, for obtaining the history payment behavior data of each user；Wherein, the history payment behavior data are at least
Including each history channel of disbursement and corresponding payment result, the payment result includes paying successfully to fail with payment；
Predict subelement, each history channel of disbursement of each user for obtaining according to the acquisition subelement and corresponding payment
As a result, predicting each user to the original ordering of optimization preference of each channel of disbursement.
11. device as claimed in claim 10, wherein the prediction subelement is specifically used for:
According to each history channel of disbursement of target user and corresponding payment result, the payment result of the target user is filtered out
Corresponding each history channel of disbursement when to pay successfully；
Count the number for each history channel of disbursement of the target user filtered out；
According to the sequence that the number is descending, determine the target user to the original ordering of optimization preference of each channel of disbursement.
12. device as claimed in claim 9, wherein the second acquisition unit is specifically used for according to each channel of disbursement unit
It is each to determine that each user uses for the total payment request total amount of the payment request total amount and expected unit time that time can bear
The expectation of channel of disbursement matches.
13. device as claimed in claim 9, wherein the deployment unit, comprising:
Determine subelement, for the ratio according to shared by each channel of disbursement in the preferred channel of disbursement of the current preference of each user, really
The current proportion of fixed each channel of disbursement；
Judgment sub-unit judges currently matching for the non-preferred channel of disbursement for being directed to the non-preferred channel of disbursement of each user
Than whether the expectation less than the non-preferred channel of disbursement matches；
Subelement is deployed, for judging that the current proportion of the non-preferred channel of disbursement is less than the non-head when the judgment sub-unit
When the expectation of channel of disbursement being selected to match, the user is adjusted to the original ordering of optimization preference of each channel of disbursement, so that the non-preferred payment
Channel is allocated as the preferred channel of disbursement of the user preference.
14. device as claimed in claim 13, wherein described device further include:
Judging unit after all non-preferred channel of disbursement for having traversed each user for the deployment unit, judges each payment
Whether the current proportion of channel and the expectation proportion of each channel of disbursement are consistent；
Output unit, if judging the expectation of the current proportion and each channel of disbursement of each channel of disbursement for the judging unit
Inconsistent, then outputting alarm information is matched, the expectation that the warning information is used to notify to need to adjust each channel of disbursement matches.
15. device as claimed in claim 13, wherein the allotment subelement is also used in described adjustment user to each
The original ordering of optimization preference of channel of disbursement so that the non-preferred channel of disbursement be allocated as the user preference preferred channel of disbursement it
Before, determine that the preferred channel of disbursement of the current preference of the user is not the prespecified channel of disbursement preferentially distributed.
16. device as claimed in claim 9, wherein the deployment unit, specifically for each user is distributed to multiple machines
Device, by each machine execute respectively it is described according to the expectation of each channel of disbursement match, to each user to the original of each channel of disbursement
Ordering of optimization preference is deployed, the preferred channel of disbursement of each user preference after being deployed.
17. a kind of computer readable storage medium, is stored thereon with computer program, when the computer program in a computer
When execution, computer perform claim is enabled to require the method for any one of 1-8.
18. a kind of calculating equipment, including memory and processor, executable code, the processing are stored in the memory
When device executes the executable code, the method for any one of claim 1-8 is realized.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910346229.3A CN110245934B (en) | 2019-04-26 | 2019-04-26 | Recommendation method and device of payment channel |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910346229.3A CN110245934B (en) | 2019-04-26 | 2019-04-26 | Recommendation method and device of payment channel |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110245934A true CN110245934A (en) | 2019-09-17 |
| CN110245934B CN110245934B (en) | 2023-11-24 |
Family
ID=67883540
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910346229.3A Active CN110245934B (en) | 2019-04-26 | 2019-04-26 | Recommendation method and device of payment channel |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110245934B (en) |
Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103577985A (en) * | 2012-07-26 | 2014-02-12 | 阿里巴巴集团控股有限公司 | Data channel selection method and data processing platform |
| US20140279421A1 (en) * | 2013-03-15 | 2014-09-18 | Elwha Llc | Methods and systems for agnostic payment systems |
| WO2017128686A1 (en) * | 2016-01-29 | 2017-08-03 | 上海新卡说信息技术有限公司 | Transaction clearing system and transaction clearance processing method |
| CN107818428A (en) * | 2017-11-28 | 2018-03-20 | 杭州龙盈互联网金融信息技术有限公司 | The decision-making technique and device of business channel |
| CN107818467A (en) * | 2017-09-08 | 2018-03-20 | 深圳市金立通信设备有限公司 | A kind of method of payment and terminal |
| CN108932613A (en) * | 2017-05-25 | 2018-12-04 | 北京嘀嘀无限科技发展有限公司 | Monitoring method and monitoring device, the equipment and storage medium of internet payment channel |
| CN108985731A (en) * | 2018-07-13 | 2018-12-11 | 北京京东金融科技控股有限公司 | Pay method for routing and device |
| CN109146451A (en) * | 2018-07-05 | 2019-01-04 | 麒麟合盛网络技术股份有限公司 | A kind of channel of disbursement recommended method and device |
| CN109191133A (en) * | 2018-08-22 | 2019-01-11 | 平安普惠企业管理有限公司 | The selection method and terminal device of channel of disbursement |
-
2019
- 2019-04-26 CN CN201910346229.3A patent/CN110245934B/en active Active
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103577985A (en) * | 2012-07-26 | 2014-02-12 | 阿里巴巴集团控股有限公司 | Data channel selection method and data processing platform |
| US20140279421A1 (en) * | 2013-03-15 | 2014-09-18 | Elwha Llc | Methods and systems for agnostic payment systems |
| WO2017128686A1 (en) * | 2016-01-29 | 2017-08-03 | 上海新卡说信息技术有限公司 | Transaction clearing system and transaction clearance processing method |
| CN108932613A (en) * | 2017-05-25 | 2018-12-04 | 北京嘀嘀无限科技发展有限公司 | Monitoring method and monitoring device, the equipment and storage medium of internet payment channel |
| CN107818467A (en) * | 2017-09-08 | 2018-03-20 | 深圳市金立通信设备有限公司 | A kind of method of payment and terminal |
| CN107818428A (en) * | 2017-11-28 | 2018-03-20 | 杭州龙盈互联网金融信息技术有限公司 | The decision-making technique and device of business channel |
| CN109146451A (en) * | 2018-07-05 | 2019-01-04 | 麒麟合盛网络技术股份有限公司 | A kind of channel of disbursement recommended method and device |
| CN108985731A (en) * | 2018-07-13 | 2018-12-11 | 北京京东金融科技控股有限公司 | Pay method for routing and device |
| CN109191133A (en) * | 2018-08-22 | 2019-01-11 | 平安普惠企业管理有限公司 | The selection method and terminal device of channel of disbursement |
Also Published As
| Publication number | Publication date |
|---|---|
| CN110245934B (en) | 2023-11-24 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106133696B (en) | Dynamic marks target capacity when scaling cloud resource | |
| CN108022087A (en) | payment data processing method, device, storage medium and computer equipment | |
| JP2006004307A (en) | Business assessment support method | |
| US8365004B2 (en) | Configuring of intelligent electronic device | |
| CN108154298A (en) | Dispense method for allocating tasks, device, electronic equipment and computer storage media | |
| CN109767070A (en) | Case distribution method, device, computer equipment and storage medium | |
| CN107705151A (en) | Advertisement putting regulation and control show method and device | |
| CN110276060A (en) | The method and device of data processing | |
| CN108182560A (en) | Dispense method for allocating tasks, device, electronic equipment and computer storage media | |
| CN109740735A (en) | Multiple neural network output method and device, server, computer-readable medium | |
| CN109804360A (en) | Safe and intelligent networking framework processes and executes | |
| CN109087435A (en) | The prediction technique and queuing system of queuing time | |
| CN105405052A (en) | Method and system for calculating insurance-related cost of insurance product | |
| CN109872049B (en) | Resource allocation optimization method and device | |
| US20220276129A1 (en) | Priority-based dynamic resource allocation for product testing | |
| CN108958941A (en) | Image processing method and device | |
| CN106909454A (en) | A kind of rules process method and equipment | |
| CN110245934A (en) | The recommended method and device of channel of disbursement | |
| CN112862396B (en) | Distribution range setting method, distribution range setting device, electronic equipment and readable storage medium | |
| CN105469310A (en) | Calculation method and system for insurance related cost of insurance product | |
| CN112055018A (en) | Message analysis method and device | |
| CN107845010A (en) | Information processing method and device | |
| CN116205704A (en) | Vendor allocation method, device, terminal equipment and storage medium | |
| CN109598411A (en) | A kind of processing method and electronic equipment of product design task | |
| CN109254945A (en) | The methods of exhibiting of e-book calculates equipment and computer storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20200929 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200929 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
|
| TA01 | Transfer of patent application right | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |