CN110458547A - A kind of payment gateway service device and channel of disbursement selection method - Google Patents
A kind of payment gateway service device and channel of disbursement selection method Download PDFInfo
- Publication number
- CN110458547A CN110458547A CN201910709612.0A CN201910709612A CN110458547A CN 110458547 A CN110458547 A CN 110458547A CN 201910709612 A CN201910709612 A CN 201910709612A CN 110458547 A CN110458547 A CN 110458547A
- Authority
- CN
- China
- Prior art keywords
- channel
- disbursement
- user
- payment
- cost
- 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.)
- Pending
Links
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
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to the technical fields of internet payment, purpose is to provide a kind of payment gateway service device and channel of disbursement selection method, wherein, a kind of payment gateway service device, it is connected to the proxy server of multiple channel of disbursement, it include: channel of disbursement data capture unit, the supplemental characteristic for the channel of disbursement that the proxy server for obtaining multiple channel of disbursement provides；Payment request acquiring unit, the supplemental characteristic of the payment behavior for obtaining user；Means of payment sequencing unit is ranked up a variety of channel of disbursement for the supplemental characteristic of payment behavior and the supplemental characteristic of a variety of channel of disbursement according to user and generates recommendation channel of disbursement；Payment unit, the target channel of disbursement for being ranked up according to a variety of channel of disbursement for obtaining user and channel of disbursement being recommended to select, is paid according to target channel of disbursement.The present invention has the advantages that quickly select optimal channel of disbursement to improve payment efficiency according to customer demand.
Description
Technical field
The present invention relates to the technical fields of internet payment, and in particular to a kind of payment gateway service device and channel of disbursement choosing
Selection method.
Background technique
Internet payment and mobile payment are the following Industry Innovation and the explosive key areas increased.With China's electronics
Business environment it is continuous superior, pay enriching constantly for scene and enlivening for financial innovation, online payment business obtains quick
Increase, internet payment is all increasingly paid attention to and relied on to most financial products.Internet payment refers to computer network
Channel of disbursement based on system especially internet system realizes the circulation and branch of fund in the form of electronic information transmitting
Paying network payment is based on growing up on the basis of e-payment, it is a latest development stage of e-payment, net
Network payment is the e-payment based on Internet and suitable e-commerce development.Network payment, also referred to as network payment and knot
It calculates, English is generally described as Net Payment or Internet Payment, it refers to based on e-finance network,
Using commercial electronic chemical industry tool and all kinds of transactional cards as medium, using the present computer technology and the communication technology as means, pass through
Computer network especially Internet realizes circulation and payment in the form of electronic information transmitting.Therefore network payment is band
Have very strong Internet branding, thus many places simply it be referred to as Internet Payment, it is also based on
The core of the e-commerce of Internet.
The network payment of the current international practice mainly has e-credit, electronic debit card, eCheck and electronic cash at present.
Meanwhile the on-line payment service that the third-party institution provides is also to embody huge vitality.There are these common payment works
Tool, so that it may realize network payment by some common internet payment means.With the increasingly increasing of network payment channel
Long, various mobile phone charges payments, rechargeable card payment, stored value card payment etc. emerge one after another, and apply (include web/wap website,
App etc.) also there is the demand paid more and more, various applications needs are selected between a variety of channel of disbursement.
In the scheme of existing network payment, the various channel of disbursement of each application integration are to complete payment demand, right
When various channel of disbursement are selected, the display of channel of disbursement and arrangement mode are fixed, inflexible, which kind of user can not judge
Channel of disbursement is optimal channel of disbursement, so that the payment efficiency of user reduces.
Summary of the invention
It is an object of that present invention to provide a kind of payment gateway service device and channel of disbursement selection methods, and having can be according to client
Demand quickly selects the advantages of optimal channel of disbursement is to improve payment efficiency.
To achieve the above object, the technical scheme adopted by the invention is that: a kind of channel of disbursement selection method, including following
Step:
S1: server obtains the multiple parameters data of a variety of channel of disbursement respectively；
S2: user terminal sends payment request, and server obtains the multiple parameters number of the payment behavior of user by user terminal
According to；
S3: server by the multiple parameters data of the multiple parameters data of a variety of channel of disbursement and the payment behavior of user into
Row compares, and filters out a variety of channel of disbursement of the multiple parameters data of the payment behavior of matching user；
S4: server calculates the cost Cn for the channel of disbursement that every kind filters out, on cost to the channel of disbursement filtered out
The sequence of Cn from low to high is ranked up, and the channel of disbursement for selecting cost Cn minimum is sent to visitor for the recommendation channel of disbursement of user
Family end.
Preferably, the multiple parameters data of the channel of disbursement include service charge a1n, interest rate b1n, time range c1n, when
Day fund aggregate limit d1n, single limit e1n and same day stroke count limit f1n, the multiple parameters data of the payment behavior of the user
Including judging payment in time range c2, same day funds total value d2, same day single total value e2 and same day stroke count total value f2, the S3
Whether channel matches the time range c1n for judging channel of disbursement, same day funds aggregate limit d1n, list with the payment behavior of user
Limit e1n and same day stroke count limit f1n whether with the time range c2 of the payment behavior of user, same day funds total value d2, when
Day single total value e2 and same day stroke count total value f2.
Preferably, the calculating formula of the cost Cn of channel of disbursement described in n are as follows:
Cn=a1n+b1n；
Wherein, a1n is the service charge of n channel of disbursement, and b1n is the interest rate of n channel of disbursement.
Preferably, the S4 specifically includes the following steps:
S41: server calculates the cost Cn for the channel of disbursement that every kind filters out, according to channel of disbursement cost Cn by low
The channel of disbursement filtered out is ranked up to height, the cost Cn for judging whether there is two or more channel of disbursement is equal and be
Least cost, if it is not, S42 is executed, if so, executing S43；
S42: the channel of disbursement that server selects cost Cn minimum for user recommendation channel of disbursement and be sent to client；
S43: server calculate every kind of cost Cn be least cost channel of disbursement the first weighted value Pn1, to it is a variety of at
This Cn is that the channel of disbursement of least cost is ranked up according to the sequence of the first weighted value Pn1 from high to low, selects the first weight
The highest channel of disbursement of value Pn1 is the recommendation channel of disbursement of user and is sent to client.
Preferably, the S43 is further comprising the steps of:
Server obtains the relative risk data of each channel of disbursement, calculates the relative risk score of each channel of disbursement,
The channel background for obtaining each channel of disbursement calculates the channel background score of each channel of disbursement；
The calculating formula of first weighted value Pn1 of n channel of disbursement in the S43 are as follows:
Pn1=h1n-g1n；
Wherein, g1n is the relative risk score of n channel of disbursement, and h1n is the channel background score of n channel of disbursement.
Preferably, the S43 is further comprising the steps of:
S431: server judges whether user is personal user by user terminal, if so, S432 is executed, if it is not, executing
S435；
S432: server judges whether user generates payment behavior for the first time by user terminal, if so, S433 is executed, if
It is not to execute S434；
S433: every kind of cost Cn after server calculating sifting is the first weighted value Pn1 of the channel of disbursement of least cost,
The channel of disbursement that a variety of cost Cn are least cost is ranked up according to the sequence of the first weighted value Pn1 from high to low, is selected
The first highest channel of disbursement of weighted value Pn1 is the recommendation channel of disbursement of user and is sent to client；
S434: the history payment behavior of server statistics user selects the highest channel of disbursement of the frequency for the recommendation of user
Channel of disbursement is simultaneously sent to client；
S435: server judges user for trade company, and whether every kind of cost Cn of inquiry minimum channel of disbursement has the user
Total amount limitation executes S436 if every kind of cost Cn minimum channel of disbursement has total amount limitation to the use per family；
S436: server inquires the history payment behavior of user, obtains user's amount in each channel of disbursement
The data of amount in have used gold to the total amount limitation amount jn of the user and user according to every kind of Cn minimum channel of disbursement
Volume amount i calculates the user residue avail amount mn, screens user's residue avail amount mn greater than the user's
The channel of disbursement of the same day funds aggregate limit d2 of payment behavior selects the payment canal if the channel of disbursement after screening only has one kind
Road is the recommendation channel of disbursement of user, if there are many channel of disbursement after screening, calculating the branch that every kind of cost Cn is least cost
Pay channel the first weighted value Pn1, to a variety of cost Cn be least cost channel of disbursement according to the first weighted value Pn1 by height to
Low sequence is ranked up, and is selected the first highest channel of disbursement of weighted value Pn1 as the recommendation channel of disbursement of user and is sent to
Client.
Preferably, the S435 specifically includes the following steps:
If only existing a kind of cost Cn minimum channel of disbursement if it exists, there is no total amount limitation, servers to the user
Select the channel of disbursement for the recommendation channel of disbursement of user, two or more costs Cn minimum channel of disbursement is to the use if it exists
There is no total amount limitations at family, execute S433, if every kind of cost Cn minimum channel of disbursement has total amount limitation to the use per family,
Execute S436.
A kind of payment gateway service device, is connected to the proxy server of multiple channel of disbursement, comprising:
Channel of disbursement data capture unit, the channel of disbursement that the proxy server for obtaining multiple channel of disbursement provides
Supplemental characteristic；
Payment request acquiring unit, the supplemental characteristic of the payment behavior for obtaining user；
Means of payment sequencing unit, for according to the supplemental characteristic of the payment behavior of user and the parameter of a variety of channel of disbursement
Data are ranked up a variety of channel of disbursement and generate recommendation channel of disbursement；
Payment unit, the target for being ranked up according to a variety of channel of disbursement for obtaining user and channel of disbursement being recommended to select
Channel of disbursement is paid according to the target channel of disbursement.
Preferably, the supplemental characteristic for a variety of channel of disbursement that the channel of disbursement data capture unit obtains includes service charge
A1n, interest rate b1n, time range c1n, same day funds aggregate limit d1n, single limit e1n and same day stroke count limit f1n, the branch
Pay request unit obtain user payment behavior supplemental characteristic include time range c2, same day funds total value d2, when
Day single total value e2 and same day stroke count total value f2.
Preferably, the means of payment sequencing unit a kind of channel of disbursement described in -7 any one according to claim 1
Selection method is ranked up a variety of channel of disbursement and generates recommendation channel of disbursement.
In conclusion the invention has the benefit that
1, the present invention has the advantages that quickly select optimal channel of disbursement to improve payment efficiency according to customer demand；
2, the present invention carries out dynamic adjustment and matching, does most matched screening to channel of disbursement user and channel of disbursement,
The conjunction restrictions system of channel of disbursement can be met and the use habit and use cost of user can be met, to effectively evade one
A little channel of disbursement users can use correct, reasonable conjunction rule when doing certain type of payment and service charge and interest cost are optimal
The channel of disbursement of change.
Detailed description of the invention
Fig. 1 is in the embodiment of the present invention for showing a kind of step schematic diagram of channel of disbursement selection method；
Fig. 2 is in the embodiment of the present invention for showing the step schematic diagram of the S4 of channel of disbursement selection method a kind of；
Fig. 3 is in the embodiment of the present invention for showing the step schematic diagram of the S43 of channel of disbursement selection method a kind of；
Fig. 4 is in the embodiment of the present invention for showing that the signal of the payment mechanism risk case table disclosed is netted in China's payment
Figure.
Specific embodiment
Below with reference to attached drawing 1~4 of the invention, technical solution in the embodiment of the present invention is clearly and completely retouched
It states, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Based on the present invention
In embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
A kind of payment gateway service device is connected to the proxy server of multiple channel of disbursement, including channel of disbursement data obtain
Unit is taken, the supplemental characteristic for the channel of disbursement that the proxy server for obtaining multiple channel of disbursement provides；Payment request obtains
Unit, the supplemental characteristic of the payment behavior for obtaining user；Means of payment sequencing unit, for the payment behavior according to user
Supplemental characteristic and the supplemental characteristics of a variety of channel of disbursement a variety of channel of disbursement are ranked up and generate recommendation channel of disbursement；Branch
Unit is paid, the target channel of disbursement for being ranked up according to a variety of channel of disbursement for obtaining user and channel of disbursement being recommended to select,
It is paid according to target channel of disbursement.
In this implementation, payment gateway service device is connected to the proxy server of four kinds of channel of disbursement, these four channel of disbursement
Including channel of disbursement A, channel of disbursement B, channel of disbursement C and channel of disbursement D, channel of disbursement data capture unit obtains four payments
The multiple parameters data of channel, multiple parameters data include that service charge a1n, interest rate b1n, time range c1n, same day funds always limit
Volume d1n, single limit e1n and same day stroke count limit f1n.Definition channel of disbursement A is the first channel of disbursement, then channel of disbursement A
Supplemental characteristic be expressed as service charge a11, interest rate b11, time range c11, same day funds aggregate limit d11, single limit e11 and
Same day stroke count limit f11.Definition channel of disbursement B is second of channel of disbursement, then the supplemental characteristic of channel of disbursement B is expressed as formality
Take a12, interest rate b12, time range c12, same day funds aggregate limit d12, single limit e12 and same day stroke count limit f12.This reality
Shi Zhong, the parameter of channel of disbursement A, channel of disbursement B, channel of disbursement C and channel of disbursement D that channel of disbursement data capture unit obtains
Data are as shown in the table 1 of lower section:
Table 1
The supplemental characteristic of the payment behavior for the user that payment request acquiring unit obtains includes time range c2, same day funds
Total value d2, same day single total value e2 and same day stroke count total value f2.In this implementation, a user certain day only need one in the morning
The payment behavior that the amount of money that 10:00 occurs is 10000.00 yuan, the payment behavior for the user that payment request acquiring unit obtains
Supplemental characteristic is as shown in the table 2 of lower section:
| Time range c2 | Same day funds total value d2 | Same day single total value e2 | Same day stroke count total value f2 |
| 10:00 | 10000.00 | 10000.00 | 1 |
Table 2
Referring to Fig.1, a kind of channel of disbursement selection method, including following multiple steps.
S1: server obtains the multiple parameters data of a variety of channel of disbursement respectively.In this embodiment, channel of disbursement is first obtained
A, service charge a1n, the interest rate b1n, time range of this four channel of disbursement of channel of disbursement B, channel of disbursement C and channel of disbursement D
The information of c1n, same day funds aggregate limit d1n, single limit e1n and same day stroke count limit f1n.
S2: user sends the payment request that payment request is sent to server, server by user terminal by user terminal
The multiple parameters data of the payment behavior of acquisition of information user.In this implementation, obtain user certain day only need one in the morning
Time range c2, the same day funds total value d2, same day single total value for the payment behavior that 10:00 is carried out and the amount of money is 10000.00 yuan
The information of e2 and same day stroke count total value f2.
S3: server by the multiple parameters data of the multiple parameters data of a variety of channel of disbursement and the payment behavior of user into
Row compares, and filters out a variety of channel of disbursement of the multiple parameters data of the payment behavior of matching user, that is, judges each payment canal
Time range c1n, same day funds aggregate limit d1n, single limit e1n and the same day stroke count limit f1n in road whether the payment with family
Time range c2, the same day funds total value d2 of behavior and the matching of same day stroke count total value f2.In the present embodiment, four kinds of channel of disbursement with
The matching result of the payment behavior of user is as shown in the table 3 of lower section:
Table 3
It is found that by step S3, filtered out from four kinds of channel of disbursement channel of disbursement A, channel of disbursement B, channel of disbursement D this
The channel of disbursement of three kinds of payment behaviors for meeting user.
Referring to Fig. 2,3, S41: server calculates the cost Cn for the channel of disbursement that every kind filters out, and pays canal described in n
The calculating formula of the cost Cn in road are as follows: Cn=a1n+b1n；Wherein, a1n is the service charge of n channel of disbursement, and b1n is to prop up in n-th
Pay the interest rate of channel.From low to high the channel of disbursement filtered out is ranked up according to the cost Cn of channel of disbursement, judgement is
It is no there are two types of or a variety of channel of disbursement cost Cn it is equal and be least cost, if it is not, S42 is executed, if so, executing S431.
In this implementation, the cost calculation such as lower section of three kinds of channel of disbursement of the payment behavior of user is met by the screening of S2
Table 4 shown in:
| Channel of disbursement n | Cost calculation | Cost Cn | Recommendation |
| Channel of disbursement A | 0.0053+0.001 | 0.0054 | 2 |
| Channel of disbursement B | 0.0052+0.001 | 0.0053 | 1 |
| Channel of disbursement D | 0.0056+0.000 | 0.0056 | 3 |
Table 4
As shown in Table 4, the cost Cn of three kinds of channel of disbursement is all different.S42: the payment that server selects cost Cn minimum
Channel is the recommendation channel of disbursement of user and is sent to client.In this implementation, that is, select cost Cn it is minimum wechat payment for
The recommendation channel of disbursement of user.
In order to be shown in detail the remaining step of this method, the following contents assuming that channel of disbursement A service charge and benefit
Implement in rate situation identical with the service charge of channel of disbursement B and interest rate, i.e. the cost Cn of channel of disbursement A and channel of disbursement
The cost Cn of B is identical, i.e. the cost Cn of two kinds of channel of disbursement of appearance is equal and is least cost, needs to carry out step at this time
S431。
Referring to Fig. 3, S431: server judges whether user is personal user by user terminal.In the present embodiment, server
The user port of subscription access server is divided into personal user port and trade company's user port, by confirming user's access service
The user port of device can determine whether currently to generate whether the user of payment behavior is personal user.If judging, user uses for individual
Family executes S432, if judging, user is not personal user, executes S435.
First assume that it is personal user that the user of the payment behavior, which occurs, in the present embodiment.
Referring to Fig. 3, S432: server judges whether user generates payment behavior for the first time, if so, S433 is executed, if not
It is to execute S434.Payment gateway service device further includes customer data base and channel of disbursement database, is stored in customer data base
The supplemental characteristic of the history payment behavior of user and the channel of disbursement of history payment behavior.Payment request acquiring unit is also used to root
The supplemental characteristic for inquiring the history payment behavior of user into customer data base according to the port information of subscription access server, if looking into
The supplemental characteristic of history payment behavior is ask, then judging user not is to generate payment behavior for the first time.
In this implementation on the basis of being personal user based on the user that the payment behavior occurs, it is further assumed that the user is the
It is primary that payment behavior occurs.
Referring to Fig. 3, S433: server calculates the first weighted value Pn1 of the channel of disbursement that every kind of cost Cn is least cost,
The channel of disbursement that a variety of cost Cn are least cost is ranked up according to the sequence of the first weighted value Pn1 from high to low, is selected
The first highest channel of disbursement of weighted value Pn1 is the recommendation channel of disbursement of user and is sent to user terminal.Obtain each payment
The relative risk data of channel calculate the relative risk score of each channel of disbursement, obtain the channel background of each channel of disbursement,
Calculate the channel background score of each channel of disbursement.Channel of disbursement databases contain the relative risk of each channel of disbursement
Data and channel background data, wherein in conjunction with Fig. 4, in the present embodiment, the relative risk data of each channel of disbursement are in being based on
What the payment mechanism that state's payment net discloses was calculated in the risk case that the previous year occurs.In the present embodiment, statistics it is previous
The relative risk data of the channel of disbursement A and channel of disbursement B in year are as shown in the table 5 of lower section:
| Channel of disbursement n | Risk case sum | Amount of money accounting | Loss ratio |
| Channel of disbursement A | 5000 | 0.00001% | 100.00% |
| Channel of disbursement B | 378 | 0.00060% | 21.83% |
Table 5
The calculating formula of first weighted value Pn1 of n channel of disbursement in S43 are as follows:
Pn1=h1n-g1n；
Wherein, g1n is the relative risk score of n channel of disbursement, and h1n is the channel background score of n channel of disbursement.
The calculation formula of relative risk score are as follows: relative risk score g1n=risk case score * 50%+ amount of money accounting score *
10+ compensates amount of money score * 40%.
In the present embodiment, the risk case for the channel of disbursement that risk case sum is 0 is scored at 0, risk case sum
It is scored at 1 for the risk case of the channel of disbursement of 0-100, risk case sum is the risk case of the channel of disbursement of 100-300
2 are scored at, risk case sum is that the risk case of the channel of disbursement of 300-500 is scored at 3, and risk case sum is 500-
The risk case of 1000 channel of disbursement is scored at 4, and the risk case for the channel of disbursement that risk case sum is 1000 is scored at
5。
The amount of money accounting for the channel of disbursement that amount of money accounting is 0 is scored at 0, and amount of money accounting is in the payment below of thousand a ten thousandths
The amount of money accounting of channel is scored at 1, and amount of money accounting is accounted in the amount of money of thousand a ten thousandths to the channel of disbursement between hundred a ten thousandths
Than being scored at 2, the amount of money accounting of channel of disbursement of the amount of money accounting between hundred a ten thousandths to 5/1000000ths is scored at 3, gold
The amount of money accounting of channel of disbursement of the volume accounting between 10/5000000 to million/1000000ths is scored at 4, and amount of money accounting is million
The amount of money accounting of/ten or more channel of disbursement is scored at 5.
The compensation amount of money for the channel of disbursement that loss ratio is 100% is scored at 1, and loss ratio is the channel of disbursement of 80%-99%
The compensation amount of money be scored at 2, loss ratio is that the compensation amount of money of the channel of disbursement of 60%-79% is scored at 3, loss ratio 50%-
The compensation amount of money of 59% channel of disbursement is scored at 4, and loss ratio is that the compensation amount of money of 50% channel of disbursement below is scored at 5.
The relative risk score g11 of channel of disbursement A can be calculated according to the relative risk data of channel of disbursement A and channel of disbursement B
The relative risk score g12=3*50%+5*10%+5*40%=of=5*50%+3*10%+1*40%=3.2, channel of disbursement B
4。
It is worth noting that channel of disbursement is that its channel background of whole nation money background is scored at 5 in this implementation, canal is paid
Road is that its channel background that state-run assets are controlled interest is scored at 4, and channel of disbursement is scored at 3 for its channel background that state-run assets account for stock, pays canal
Road is that its channel background of institutional stockholder is scored at 2, and channel of disbursement is that its channel background of private shareholder is scored at 1.This implementation
In, the channel background of channel of disbursement A is holding for state-run assets, and the channel background of channel of disbursement B is whole nation money background, then, channel of disbursement A
Channel background score h11=4, channel of disbursement B channel background score h12=2.
The first weighted value Pn1=4-3.2=0.8 of channel of disbursement A, the first weighted value Pn2 of channel of disbursement B can be calculated
=5-4=1 compares the numerical value of the first weighted value Pn1 by step S433, according to the sequence of the first weighted value Pn1 from high to low
Channel of disbursement A and channel of disbursement B are ranked up, select channel of disbursement B for the recommendation channel of disbursement of user.
The following examples content is based on the user that the payment behavior occurs on the basis of personal user, it is further assumed that should
User is not that payment behavior occurs for the first time.
Step S434: the history payment behavior of server statistics user selects the highest channel of disbursement of the frequency for user's
Recommend channel of disbursement.In the present embodiment, which occurred ten payment behaviors altogether, wherein eight payment behaviors use payment
Channel A is paid, and payment behavior is paid using channel of disbursement B twice, at this point, selecting channel of disbursement A pushing away for user
It recommends channel of disbursement and is sent to client.
It is trade company that following embodiment content, which is based on the user that the payment behavior occurs,.
S435: server judges user by user terminal for trade company, and every kind of cost Cn of inquiry minimum channel of disbursement is to this
Whether user has total amount limitation, if only existing a kind of cost Cn minimum channel of disbursement if it exists, to the user, there is no total gold
Volume limitation, selects the channel of disbursement for the recommendation channel of disbursement of user, if it exists two or more costs Cn minimum payment canal
To the user, there is no total amount limitations in road, S433 are executed, if every kind of cost Cn minimum channel of disbursement has always the use per family
Amount of money limitation, executes S436.
S436: server inquires the history payment behavior of user, obtains user's amount in each channel of disbursement
The data of amount in have used gold to the total amount limitation amount jn of the user and user according to every kind of Cn minimum channel of disbursement
Volume amount i calculates the user residue avail amount mn, screens user's residue avail amount mn greater than the user's
The channel of disbursement of the same day funds aggregate limit d2 of payment behavior selects the payment canal if the channel of disbursement after screening only has one kind
Road is the recommendation channel of disbursement of user and is sent to client, if calculating every kind of cost Cn there are many channel of disbursement after screening
For the first weighted value Pn1 of the channel of disbursement of least cost, to the channel of disbursement that a variety of cost Cn are least cost according to first
The sequence of weighted value Pn1 from high to low is ranked up, and selects the first highest channel of disbursement of weighted value Pn1 for the recommendation branch of user
It pays channel and is sent to client.
In the present embodiment, channel of disbursement A and channel of disbursement B have total amount limitation to the user, and channel of disbursement A's is total
The total amount limitation amount j2 that the amount of money limits amount j1 and channel of disbursement B is 1000000.00 yuan, and the history branch of the user
In the behavior of paying, the amount of the amount i1 using channel of disbursement A is 950000.00 yuan, has used gold using channel of disbursement B
Volume amount i2 is 100000.00 yuan, calculates and uses channel of disbursement A, which is 50000.00 yuan,
Less than the same day funds total value d2 of the payment behavior of user.It calculates and uses channel of disbursement B, user's residue avail amount m2
It is 950000.00 yuan, greater than the same day funds total value d2 of the payment behavior of user, then selects channel of disbursement B for the recommendation of user
Channel of disbursement.
In the description of the present invention, it is to be understood that, term " counterclockwise ", " clockwise " " longitudinal direction ", " transverse direction ",
The orientation of the instructions such as "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outside" or
Positional relationship is to be based on the orientation or positional relationship shown in the drawings, and is merely for convenience of the description present invention, rather than is indicated or dark
Show that signified device or element must have a particular orientation, be constructed and operated in a specific orientation, therefore should not be understood as pair
Limitation of the invention.
Claims (10)
1. a kind of channel of disbursement selection method, which comprises the following steps:
S1: server obtains the multiple parameters data of a variety of channel of disbursement respectively；
S2: user terminal sends payment request, and server obtains the multiple parameters data of the payment behavior of user by user terminal；
S3: server compares the multiple parameters data of the multiple parameters data of a variety of channel of disbursement and the payment behavior of user
It is right, filter out a variety of channel of disbursement of the multiple parameters data of the payment behavior of matching user；
S4: server calculates the cost Cn for the channel of disbursement that every kind filters out, to the channel of disbursement filtered out on cost Cn by
Low to high sequence is ranked up, and the channel of disbursement for selecting cost Cn minimum is sent to client for the recommendation channel of disbursement of user
End.
2. a kind of channel of disbursement selection method according to claim 1, it is characterised in that: multiple ginsengs of the channel of disbursement
Number data include service charge a1n, interest rate b1n, time range c1n, same day funds aggregate limit d1n, single limit e1n and same day pen
Number limit f1n, the multiple parameters data of the payment behavior of the user include time range c2, same day funds total value d2 and the same day
Judge whether channel of disbursement matches the time model for judging channel of disbursement with the payment behavior of user in stroke count total value f2, the S3
Enclose c1n, same day funds aggregate limit d1n, single limit e1n and same day stroke count limit f1n whether with the payment behavior of user when
Between range c2, same day funds total value d2 and the same day stroke count total value f2 matching.
3. a kind of channel of disbursement selection method according to claim 2, it is characterised in that: channel of disbursement described in n
The calculating formula of cost Cn are as follows:
Cn=a1n+b1n；
Wherein, a1n is the service charge of n channel of disbursement, and b1n is the interest rate of n channel of disbursement.
4. a kind of channel of disbursement selection method according to claim 1, it is characterised in that: the S4 specifically includes following step
It is rapid:
S41: server calculates the cost Cn for the channel of disbursement that every kind filters out, according to channel of disbursement cost Cn from low to high
The channel of disbursement filtered out is ranked up, the cost Cn for judging whether there is two or more channel of disbursement is equal and be minimum
Cost, if it is not, S42 is executed, if so, executing S43；
S42: the channel of disbursement that server selects cost Cn minimum for user recommendation channel of disbursement and be sent to client；
S43: server calculates the first weighted value Pn1 of the channel of disbursement that every kind of cost Cn is least cost, to a variety of cost Cn
It is ranked up for the channel of disbursement of least cost according to the sequence of the first weighted value Pn1 from high to low, selects the first weighted value Pn1
Highest channel of disbursement is the recommendation channel of disbursement of user and is sent to client.
5. a kind of channel of disbursement selection method according to claim 4, it is characterised in that: the S43 further includes following step
It is rapid:
Server obtains the relative risk data of each channel of disbursement, calculates the relative risk score of each channel of disbursement, obtains
The channel background of each channel of disbursement calculates the channel background score of each channel of disbursement；
The calculating formula of first weighted value Pn1 of n channel of disbursement in the S43 are as follows:
Pn1=h1n-g1n；
Wherein, g1n is the relative risk score of n channel of disbursement, and h1n is the channel background score of n channel of disbursement.
6. a kind of channel of disbursement selection method according to claim 4, it is characterised in that: the S43 further includes following step
It is rapid:
S431: server judges whether user is personal user by user terminal, if so, S432 is executed, if it is not, executing
S435；
S432: server judges whether user generates payment behavior for the first time by user terminal, if so, S433 is executed, if it is not,
Execute S434；
S433: every kind of cost Cn after server calculating sifting is the first weighted value Pn1 of the channel of disbursement of least cost, to more
Kind cost Cn is that the channel of disbursement of least cost is ranked up according to the sequence of the first weighted value Pn1 from high to low, selects first
The highest channel of disbursement of weighted value Pn1 is the recommendation channel of disbursement of user and is sent to client；
S434: the history payment behavior of server statistics user selects the highest channel of disbursement of the frequency to pay for the recommendation of user
Channel is simultaneously sent to client；
S435: server judges user for trade company, and whether every kind of cost Cn of inquiry minimum channel of disbursement has total gold to the user
Volume limitation executes S436 if every kind of cost Cn minimum channel of disbursement has total amount limitation to the use per family；
S436: server inquires the history payment behavior of user, obtains user's amount amount in each channel of disbursement
The data of in limit amount jn and user amount volume according to total amount of the every kind of Cn minimum channel of disbursement to the user
Degree i calculates the user residue avail amount mn, screens the payment that user's residue avail amount mn is greater than the user
The channel of disbursement of the same day funds aggregate limit d2 of behavior, if screening after channel of disbursement only have one kind, select the channel of disbursement for
The recommendation channel of disbursement of user, if calculating the payment canal that every kind of cost Cn is least cost there are many channel of disbursement after screening
The first weighted value Pn1 in road, to the channel of disbursement that a variety of cost Cn are least cost according to the first weighted value Pn1 from high to low
Sequence is ranked up, and is selected the first highest channel of disbursement of weighted value Pn1 as the recommendation channel of disbursement of user and is sent to client
End.
7. a kind of payment gateway service device according to claim 6, it is characterised in that: the S435 specifically includes following step
It is rapid:
If only existing a kind of cost Cn minimum channel of disbursement if it exists to the user there is no total amount limitation, server is selected
The channel of disbursement be user recommendation channel of disbursement, if it exists two or more costs Cn minimum channel of disbursement to the user not
There are total amount limitations, S433 are executed, if every kind of cost Cn minimum channel of disbursement has total amount limitation to the use per family, if not
Be, the channel of disbursement minimum to cost Cn to this with have per family total amount limitation carries out step S433, if so, execution S436.
8. a kind of payment gateway service device, which is characterized in that be connected to the proxy server of multiple channel of disbursement, comprising:
Channel of disbursement data capture unit, the parameter for the channel of disbursement that the proxy server for obtaining multiple channel of disbursement provides
Data；
Payment request acquiring unit, the supplemental characteristic of the payment behavior for obtaining user；
Means of payment sequencing unit, for according to the supplemental characteristic of the payment behavior of user and the supplemental characteristic of a variety of channel of disbursement
A variety of channel of disbursement are ranked up and generate recommendation channel of disbursement；
Payment unit, the target payment for being ranked up according to a variety of channel of disbursement for obtaining user and channel of disbursement being recommended to select
Channel is paid according to the target channel of disbursement.
9. a kind of payment gateway service device according to claim 8, which is characterized in that the channel of disbursement data acquisition list
The supplemental characteristic for a variety of channel of disbursement that member obtains includes that service charge a1n, interest rate b1n, time range c1n, same day funds always limit
Volume d1n, single limit e1n and same day stroke count limit f1n, the payment behavior for the user that the payment request acquiring unit obtains
Supplemental characteristic includes time range c2, same day funds total value d2 and same day stroke count total value f2.
10. a kind of payment gateway service device according to claim 8, it is characterised in that: the means of payment sequencing unit
According to claim 1, a kind of channel of disbursement selection method described in -7 any one is ranked up and generates to a variety of channel of disbursement
Recommend channel of disbursement.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910709612.0A CN110458547A (en) | 2019-08-02 | 2019-08-02 | A kind of payment gateway service device and channel of disbursement selection method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910709612.0A CN110458547A (en) | 2019-08-02 | 2019-08-02 | A kind of payment gateway service device and channel of disbursement selection method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110458547A true CN110458547A (en) | 2019-11-15 |
Family
ID=68484550
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910709612.0A Pending CN110458547A (en) | 2019-08-02 | 2019-08-02 | A kind of payment gateway service device and channel of disbursement selection method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110458547A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111371879A (en) * | 2020-02-28 | 2020-07-03 | 中国工商银行股份有限公司 | Network path management method, device, system, service architecture and electronic equipment |
| CN112036852A (en) * | 2020-08-25 | 2020-12-04 | 北京达佳互联信息技术有限公司 | Payment processing method and device, server and electronic equipment |
| CN112258173A (en) * | 2020-10-22 | 2021-01-22 | 广州市汇聚支付电子科技有限公司 | Intelligent payment routing method and system |
| CN114372878A (en) * | 2021-04-28 | 2022-04-19 | 杭州熵减科技有限公司 | Device for dynamically selecting optimal fund channel according to transaction order characteristics |
| CN117635144A (en) * | 2024-01-25 | 2024-03-01 | 湖南三湘银行股份有限公司 | Intelligent route payment method based on channel configuration |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105741088A (en) * | 2016-01-27 | 2016-07-06 | 广州唯品会信息科技有限公司 | Routing matching payment method and device |
| 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 |
| CN107871234A (en) * | 2017-09-25 | 2018-04-03 | 上海壹账通金融科技有限公司 | Electric paying method and application server |
| CN108022087A (en) * | 2017-11-22 | 2018-05-11 | 深圳市牛鼎丰科技有限公司 | payment data processing method, device, storage medium and computer equipment |
| CN109447609A (en) * | 2018-09-25 | 2019-03-08 | 平安科技（深圳）有限公司 | Method of payment, device, computer equipment and storage medium |
| CN109472574A (en) * | 2018-09-19 | 2019-03-15 | 平安科技（深圳）有限公司 | Method of payment, device, computer equipment and storage medium |
-
2019
- 2019-08-02 CN CN201910709612.0A patent/CN110458547A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105741088A (en) * | 2016-01-27 | 2016-07-06 | 广州唯品会信息科技有限公司 | Routing matching payment method and device |
| 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 |
| CN107871234A (en) * | 2017-09-25 | 2018-04-03 | 上海壹账通金融科技有限公司 | Electric paying method and application server |
| CN108022087A (en) * | 2017-11-22 | 2018-05-11 | 深圳市牛鼎丰科技有限公司 | payment data processing method, device, storage medium and computer equipment |
| CN109472574A (en) * | 2018-09-19 | 2019-03-15 | 平安科技（深圳）有限公司 | Method of payment, device, computer equipment and storage medium |
| CN109447609A (en) * | 2018-09-25 | 2019-03-08 | 平安科技（深圳）有限公司 | Method of payment, device, computer equipment and storage medium |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111371879A (en) * | 2020-02-28 | 2020-07-03 | 中国工商银行股份有限公司 | Network path management method, device, system, service architecture and electronic equipment |
| CN112036852A (en) * | 2020-08-25 | 2020-12-04 | 北京达佳互联信息技术有限公司 | Payment processing method and device, server and electronic equipment |
| CN112258173A (en) * | 2020-10-22 | 2021-01-22 | 广州市汇聚支付电子科技有限公司 | Intelligent payment routing method and system |
| CN114372878A (en) * | 2021-04-28 | 2022-04-19 | 杭州熵减科技有限公司 | Device for dynamically selecting optimal fund channel according to transaction order characteristics |
| CN117635144A (en) * | 2024-01-25 | 2024-03-01 | 湖南三湘银行股份有限公司 | Intelligent route payment method based on channel configuration |
| CN117635144B (en) * | 2024-01-25 | 2024-05-28 | 湖南三湘银行股份有限公司 | Intelligent route payment method based on channel configuration |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110458547A (en) | A kind of payment gateway service device and channel of disbursement selection method | |
| USRE44362E1 (en) | Using accounting data based indexing to create a portfolio of financial objects | |
| US8036966B2 (en) | System and method for facilitating foreign currency management | |
| US20140046872A1 (en) | Method of combining demography, monetary policy metrics, and fiscal policy metrics for security selection, weighting and asset allocation | |
| US20080249958A1 (en) | Factorization of interest rate swap variation | |
| US20120259797A1 (en) | Method and apparatus for investment strategies derived from various research methodologies and extractions | |
| JP2001216403A (en) | Auction system and auction method | |
| WO2013028935A1 (en) | Using accounting data based indexing to create a portfolio of financial objects | |
| CN104584051A (en) | Novel systems and processes for enhanced microlending | |
| Haynes et al. | Automated trading in futures markets | |
| US20140344143A1 (en) | System and method for managing related accounts | |
| CN109035002A (en) | A kind of matching process of data object, device, medium and electronic equipment | |
| US20200051108A1 (en) | Paying a reward to a second account based on multiple account qualifications being met by a first account | |
| Head et al. | Judging Japan's FDI: The verdict from a dartboard model | |
| CN106504087A (en) | One kind keeps strategy matching method and system | |
| WO2005098692A2 (en) | Fixed income performance attribution | |
| KR101911922B1 (en) | Method for providing checkout integrated saving service using online checkout saving plan based on big-data | |
| MORELLI et al. | GEOGRAPHICAL DIVERSIFICATION IN BANKING: AStructural EVALUATION | |
| Mohammad et al. | The Impact of Indirect Competition on bank net interest margins: Microfinance evidence from Pakistan | |
| Boehlje et al. | Contract vs. Independent Pork Production: Does Financing Matter? | |
| US7983969B2 (en) | Money market trading platform | |
| JP7419126B2 (en) | Information processing device, information processing method, and program | |
| Semenoh | Dynamics of bank lending in Ukraine: influence of the development of digital innovations and technologies | |
| Nagdev et al. | A Study on Financial Health of Telecom Companies in India | |
| US20180204283A1 (en) | Systems and methods for generating a navigation tool for routing between multivariate datasets |
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 | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20191115 |