CN110675264A - Payment routing track dynamic display method - Google Patents
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- CN110675264A CN110675264A CN201910930264.XA CN201910930264A CN110675264A CN 110675264 A CN110675264 A CN 110675264A CN 201910930264 A CN201910930264 A CN 201910930264A CN 110675264 A CN110675264 A CN 110675264A
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Abstract
The invention discloses a dynamic display method of payment routing tracks, which relates to the field of financial payment.
Description
Technical Field
The invention relates to the field of payment in the financial industry, in particular to a dynamic display method for a payment routing track.
Background
When the intelligent routing platform runs, the best matched payment channel is selected according to the elements of the transaction and the preset rules to complete payment, and the matching process is carried out in a sequential filtering mode according to a series of filtering conditions. Therefore, each step of filtering filters some payment channels which do not meet the rules according to a certain transaction element, and finally, a plurality of available payment channels exist, or only one payment channel or none payment channel exists.
The traditional route track display mode comprises the steps of querying through a list or having no route track query function, and a user cannot intuitively feel a route process, so that the user experience is poor.
Disclosure of Invention
In order to solve the defects of the prior art, the embodiment of the invention provides a dynamic display method for a payment routing track, which comprises the following steps:
checking whether each payment channel is available, selecting the available payment channel, and generating a first payment channel set;
matching the input transaction information with each payment channel of the first payment channel set respectively, filtering the payment channels which are inconsistent with the service types supported by the current transaction information, and generating a second payment channel set;
matching the transaction information with each payment channel in the second payment channel set respectively, filtering the payment channels inconsistent with the payment tools supported by the current transaction information, and generating a third payment channel set;
matching the transaction information with each payment channel in the third payment channel set respectively, filtering the payment channels which are inconsistent with the currencies supported by the current transaction information, and generating a fourth payment channel set;
matching the transaction information with each payment channel in the fourth payment channel set respectively, filtering the payment channels inconsistent with the quota rule supported by the current transaction information, and generating a fifth payment channel set;
matching the transaction information with each payment channel in the fifth payment channel set respectively, filtering the payment channels inconsistent with the region rules supported by the current transaction information, and generating a sixth payment channel set;
sequencing all payment channels in the first payment channel set according to the sequence of transaction amount from small to large in the transaction information;
and continuously displaying the next available payment channels of the transaction information according to the sequence of the payment channels, the first payment channel set, the second payment channel set, the third payment channel set, the fourth payment channel set, the fifth payment channel set and the sixth payment channel set and the set time period.
Preferably, after generating the first/second/third/fourth/fifth/sixth payment channel set, the method further comprises:
and generating a corresponding routing log according to the first/second/third/fourth/fifth/sixth payment channel set.
The payment routing track dynamic display method provided by the embodiment of the invention has the following beneficial effects:
according to the preset sequence and the time period, the routing process is dynamically displayed according to the next available payment channel of the current transaction information, the routing process can be more intuitive for the client, and the user experience is improved.
Drawings
Fig. 1 is a schematic flow chart of a dynamic display method of a payment routing trajectory according to an embodiment of the present invention;
fig. 2 is a schematic view of a display interface of a payment routing track according to an embodiment of the present invention.
Detailed Description
The invention is described in detail below with reference to the figures and the embodiments.
As shown in fig. 1, the method for dynamically displaying a payment routing trajectory according to an embodiment of the present invention includes the following steps:
s101, checking whether each payment channel is available, selecting the available payment channel, and generating a first payment channel set.
The payment channel includes but is not limited to a pedestrian size amount, a pedestrian internet bank, a traditional union pay, a union pay full channel, WeChat and a Payment treasure.
As a specific example, whether each payment channel is available or not may be checked by checking whether a channel switch of each payment channel is turned on, whether a channel communication state is normal, whether a channel state is normal, and whether a channel success rate is greater than a set threshold.
S102, matching the input transaction information with each payment channel of the first payment channel set, filtering the payment channels which are inconsistent with the service types supported by the current transaction information, and generating a second payment channel set.
The service category includes but is not limited to bank card authentication, collection, payment agreement signing, consumption, transfer and refund.
S103, the transaction information is respectively matched with each payment channel in the second payment channel set, the payment channels inconsistent with the payment tools supported by the current transaction information are filtered, and a third payment channel set is generated.
Wherein, the payment tool refers to the medium of payment, i.e. bank card or bankbook.
And S104, respectively matching the transaction information with each payment channel in the third payment channel set, filtering the payment channels which are inconsistent with the currencies supported by the current transaction information, and generating a fourth payment channel set.
And S105, matching the transaction information with each payment channel in the fourth payment channel set, filtering the payment channels inconsistent with the quota rule supported by the current transaction information, and generating a fifth payment channel set.
Wherein the limit rule comprises a single limit, a non-holiday limit and a holiday limit.
S106, the transaction information is respectively matched with each payment channel in the fifth payment channel set, the payment channels inconsistent with the region rules supported by the current transaction information are filtered, and a sixth payment channel set is generated.
The regional rules comprise city channels and national channels.
As a specific example, if the line numbers of the sending bank and the receiving bank of the transaction are completely different from the 4 th bit to the 7 th bit, the nationwide channel is needed to be walked; if the 4 th to 7 th digits in the line numbers of the sending bank and the receiving bank of the transaction are the same or the 4 th and 5 th digits are the same and both parties participate in the same city channel, the same city channel can be walked.
S107, sequencing the payment channels in the first payment channel set according to the sequence of the transaction amount from small to large in the transaction information.
And S108, continuously displaying available payment channels of the next step of the transaction information according to the sequence of the payment channels, the first payment channel set, the second payment channel set, the third payment channel set, the fourth payment channel set, the fifth payment channel set, the sixth payment channel set and the set time period.
As shown in fig. 2, the content displayed by the routing track further includes a splitting serial number, a transaction time, a front-end channel serial number, a front-end channel date, a transaction amount, a receiving bank number, a processing result, and the like.
Optionally, after generating the first/second/third/fourth/fifth/sixth payment channel set, the method further comprises:
and generating a corresponding routing log according to the first/second/third/fourth/fifth/sixth payment channel set.
According to the payment routing track dynamic display method provided by the embodiment of the invention, the routing process is dynamically displayed according to the preset sequence and the next available payment channel of the current transaction information in the time period, so that a more intuitive routing process can be provided for a client, and the user experience is improved.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
It will be appreciated that the relevant features of the method and apparatus described above are referred to one another.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The algorithms and displays presented herein are not inherently related to any particular computer, virtual machine, or other apparatus. Various general purpose systems may also be used with the teachings herein. The required structure for constructing such a system will be apparent from the description above. Moreover, the present invention is not directed to any particular programming language. It is appreciated that a variety of programming languages may be used to implement the teachings of the present invention as described herein, and any descriptions of specific languages are provided above to disclose the best mode of the invention.
In addition, the memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (3)
1. A payment routing track dynamic display method is characterized by comprising the following steps:
checking whether each payment channel is available, selecting the available payment channel, and generating a first payment channel set;
matching the input transaction information with each payment channel of the first payment channel set respectively, filtering the payment channels which are inconsistent with the service types supported by the current transaction information, and generating a second payment channel set;
matching the transaction information with each payment channel in the second payment channel set respectively, filtering the payment channels inconsistent with the payment tools supported by the current transaction information, and generating a third payment channel set;
matching the transaction information with each payment channel in the third payment channel set respectively, filtering the payment channels which are inconsistent with the currencies supported by the current transaction information, and generating a fourth payment channel set;
matching the transaction information with each payment channel in the fourth payment channel set respectively, filtering the payment channels inconsistent with the quota rule supported by the current transaction information, and generating a fifth payment channel set;
matching the transaction information with each payment channel in the fifth payment channel set respectively, filtering the payment channels inconsistent with the region rules supported by the current transaction information, and generating a sixth payment channel set;
sequencing each payment channel in the first payment channel set according to the sequence of transaction amount from small to large in the transaction information, and sequencing each payment channel in the first payment channel set;
and continuously displaying the next available payment channels of the transaction information according to the sequence of the payment channels, the first payment channel set, the second payment channel set, the third payment channel set, the fourth payment channel set, the fifth payment channel set and the sixth payment channel set and the set time period.
2. The dynamic display method of payment routing trajectory of claim 1, wherein after generating a first/second/third/fourth/fifth/sixth set of payment channels, the method further comprises:
and generating a corresponding routing log according to the first/second/third/fourth/fifth/sixth payment channel set.
3. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of claim 1 or 2 are implemented when the processor executes the computer program.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910930264.XA CN110675264A (en) | 2019-09-29 | 2019-09-29 | Payment routing track dynamic display method |
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| CN201910930264.XA CN110675264A (en) | 2019-09-29 | 2019-09-29 | Payment routing track dynamic display method |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106296142A (en) * | 2015-06-12 | 2017-01-04 | 深圳云游四海信息科技有限公司 | A kind of method and system of pay this extra Channel Selection |
| CN108009805A (en) * | 2017-10-24 | 2018-05-08 | 广东康美通信息服务有限公司 | A kind of payment processing method, storage medium, device and payment route system |
| CN109615392A (en) * | 2019-01-15 | 2019-04-12 | 蔷薇智慧科技有限公司 | Payment channel determines method and device |
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- 2019-09-29 CN CN201910930264.XA patent/CN110675264A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296142A (en) * | 2015-06-12 | 2017-01-04 | 深圳云游四海信息科技有限公司 | A kind of method and system of pay this extra Channel Selection |
| CN108009805A (en) * | 2017-10-24 | 2018-05-08 | 广东康美通信息服务有限公司 | A kind of payment processing method, storage medium, device and payment route system |
| CN109615392A (en) * | 2019-01-15 | 2019-04-12 | 蔷薇智慧科技有限公司 | Payment channel determines method and device |
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