CN111260371A - Recommendation method and device for domestic service route, storage medium and electronic equipment - Google Patents
Recommendation method and device for domestic service route, storage medium and electronic equipment Download PDFInfo
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Abstract
The invention discloses a recommendation method, a recommendation device, a storage medium and electronic equipment of domestic service routing, wherein the method comprises the following steps: acquiring service request information initiated by a user; calculating a unique selectable payment channel according to the service request information and through a routing rule and a payment channel rule; and returning the unique selectable payment channel to the user. Therefore, the recommendation method, device, storage medium and electronic equipment of the domestic service route can effectively reduce the service cost of the payment channel.
Description
Technical Field
The present invention relates to the field of internet technologies, and in particular, to a method, an apparatus, a storage medium, and an electronic device for recommending an intra-business route.
Background
At present, the intelligent routing scheme of the business in the RMB based on the payment and clearing system specification of China RMB has implementation cases of Sunning Bank, Internet commerce Bank and Zhejiang agriculture and telecommunications Bank in the same industry, but routing rules are basically limited to the rule standard that the lowest service cost of a single business is the minimum, and configuration management is not performed on rules such as flow, priority and the like, and configuration management is not performed on payment channel operation rules and payment channel parameter rules.
The existing routing rule is relatively simple, the actual cost of the single business is calculated according to the charging standard issued by the clearing center of the people's bank, and the payment channel with the lowest cost is selected.
The information disclosed in this background section is only for enhancement of understanding of the general background of the invention and should not be taken as an acknowledgement or any form of suggestion that this information forms the prior art already known to a person skilled in the art.
Disclosure of Invention
The invention aims to provide a recommendation method, a recommendation device, a storage medium and electronic equipment for domestic service routing, which can effectively reduce service cost of a payment channel.
In order to achieve the above object, in a first aspect, the present invention provides a method, an apparatus, a storage medium, and an electronic device for recommending intra-traffic routing, where the method includes: acquiring service request information initiated by a user; calculating a unique selectable payment channel according to the service request information and through a routing rule and a payment channel rule; and returning the unique selectable payment channel to the user.
In one embodiment of the present invention, the routing rule includes: priority by cost, distribution by flow, priority by priority and designation of payment channel.
In one embodiment of the invention, routing rules are configured for remittance amount intervals.
In one embodiment of the present invention, the payment channel rules include: payment channel operation rules and payment channel parameter rules.
In one embodiment of the present invention, the payment channel operation rule includes: the transaction limit of the payment channel, the system state of the payment channel, the bank authority of the payment channel and the charging standard of the payment channel.
In one embodiment of the present invention, the payment channel parameter rule includes: remittance timeliness of the payment channel, limitation of a payment channel service initiating mechanism, transaction quota in the payment channel row, running state in the payment channel row, flow control of the payment channel, priority of the payment channel and authority configuration of the payment channel.
In a second aspect, an embodiment of the present invention further provides an apparatus for recommending intra-traffic routing, including: the device comprises an acquisition module, a calculation module and a return module. The acquisition module is used for acquiring service request information initiated by a user; the calculation module is used for calculating a unique optional payment channel according to the service request information and through the routing rule and the payment channel rule; and a return module to return the recommended alternative payment channel to the user.
In one embodiment of the present invention, the routing rule includes: priority by cost, distribution by flow, priority by priority and designation of payment channel.
In a third aspect, an embodiment of the present invention further provides a storage medium, where the storage medium stores computer-executable instructions, and the computer-executable instructions are configured to execute the method for recommending intra-service routing.
In a fourth aspect, an embodiment of the present invention further provides an electronic device, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method for recommending intra-traffic routing as described above.
Compared with the prior art, the recommendation method, the recommendation device, the storage medium and the electronic equipment for domestic service routing of the invention realize the function of calculating the optimal payment channel according to the rules of cost, flow distribution, priority and the like for domestic service of the RMB based on the China RMB payment and clearing system specification, and achieve the purposes of automatically selecting the payment channel and saving the service cost of the payment channel of the RMB.
Drawings
FIG. 1 is a flow diagram of a method for recommending intra-traffic routing in accordance with an embodiment of the present invention;
fig. 2 is a block diagram of an electronic device according to an embodiment of the present invention.
Fig. 3 is an exemplary system architecture diagram to which embodiments of the present invention may be applied.
Detailed Description
The following detailed description of the present invention is provided in conjunction with the accompanying drawings, but it should be understood that the scope of the present invention is not limited to the specific embodiments.
In the description of the present invention, it is to be understood that the terms "center", "longitudinal", "lateral", "length", "width", "thickness", "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", "clockwise", "counterclockwise", and the like, indicate orientations and positional relationships based on those shown in the drawings, and are used only for convenience of description and simplicity of description, and do not indicate or imply that the device or element being referred to must have a particular orientation, be constructed and operated in a particular orientation, and thus, should not be considered as limiting the present invention.
Throughout the specification and claims, unless explicitly stated otherwise, the word "comprise", or variations such as "comprises" or "comprising", will be understood to imply the inclusion of a stated element or component but not the exclusion of any other element or component.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of the present invention, "a plurality" means two or more unless specifically defined otherwise.
In a first aspect, an embodiment of the present invention provides a method for recommending intra-environment service routing, as shown in fig. 1, including: step 1 to step 3;
step 1, acquiring service request information initiated by a user;
step 2, calculating a unique optional payment channel according to the service request information and through a routing rule and a payment channel rule;
and 3, returning the only optional payment channel to the user.
In one embodiment of the present invention, the routing rule includes: priority by cost, distribution by flow, priority by priority and designation of payment channel. Routing rules are configured according to the remittance amount interval. The payment channel rules include: payment channel operation rules and payment channel parameter rules.
In one embodiment of the present invention, the payment channel operation rule includes: the transaction limit of the payment channel, the system state of the payment channel, the bank authority of the payment channel and the charging standard of the payment channel.
In one embodiment of the present invention, the payment channel parameter rule includes: remittance timeliness of the payment channel, limitation of a payment channel service initiating mechanism, transaction quota in the payment channel row, running state in the payment channel row, flow control of the payment channel, priority of the payment channel and authority configuration of the payment channel.
In a second aspect, an embodiment of the present invention further provides an apparatus for recommending intra-traffic routing, including: the device comprises an acquisition module, a calculation module and a return module. The acquisition module is used for acquiring service request information initiated by a user; the calculation module is used for calculating a unique optional payment channel according to the service request information and through the routing rule and the payment channel rule; and a return module to return the recommended alternative payment channel to the user.
In one embodiment of the present invention, the routing rule includes: priority by cost, distribution by flow, priority by priority and designation of payment channel.
In a third aspect, an embodiment of the present invention further provides a storage medium, where the storage medium stores computer-executable instructions, and the computer-executable instructions are configured to execute the method for recommending intra-service routing.
The storage medium may be any available medium or data storage device that can be accessed by a computer, including but not limited to magnetic memory (e.g., floppy disks, hard disks, magnetic tape, magneto-optical disks (MOs), etc.), optical memory (e.g., CDs, DVDs, BDs, HVDs, etc.), and semiconductor memory (e.g., ROMs, EPROMs, EEPROMs, nonvolatile memory (NAND FLASH), Solid State Disks (SSDs)), etc.
In a fourth aspect, fig. 2 shows a block diagram of an electronic device according to another embodiment of the present invention. The electronic device 1100 may be a host server with computing capability, a personal computer PC, or a portable computer or terminal that is portable, or the like. The specific embodiment of the present invention does not limit the specific implementation of the electronic device.
The electronic device 1100 includes at least one processor (processor)1110, a Communications Interface 1120, a memory 1130, and a bus 1140. The processor 1110, the communication interface 1120, and the memory 1130 communicate with each other via the bus 1140.
The communication interface 1120 is used for communicating with network elements including, for example, virtual machine management centers, shared storage, etc.
Processor 1110 is configured to execute programs. Processor 1110 may be a central processing unit CPU, or an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement embodiments of the present invention.
The memory 1130 is used for executable instructions. The memory 1130 may comprise high-speed RAM memory, and may also include non-volatile memory (non-volatile memory), such as at least one disk memory. The memory 1130 may also be a memory array. The storage 1130 may also be partitioned and the blocks may be combined into virtual volumes according to certain rules. The instructions stored by the memory 1130 are executable by the processor 1110 to enable the processor 1110 to perform the method of generating a software requirements document in any of the method embodiments described above.
In practical application, the recommendation method, device, storage medium and electronic device of domestic service routing of the present invention are based on the specification of the payment clearing system of the chinese people's bank, when the intelligent routing receives a payment channel selection query request, the only selectable payment channel is calculated through the configured routing rule and payment channel rule, the result is returned to the requesting party, and the detailed scheme is described according to three parts:
firstly, service personnel parameterize and configure routing rules through a management console of an intelligent routing platform
1. Routing rules are as follows:
(1) selecting a payment channel with lower cost according to the cost priority;
(2) according to the flow distribution, selecting a payment channel according to a preset proportion, thereby realizing the automatic distribution of the flow of the payment channel;
(3) selecting according to the priority of the payment channel according to the priority;
(4) and appointing a payment channel, determining according to the payment channel selected by the payment service initiator, and determining according to the payment channel appointed by the payment service pre-configuration.
2. Configuration of routing rules:
and configuring routing rules according to the remittance amount interval.
And secondly, combining the characteristics of each payment channel and the service processing rules of each payment channel, establishing the service processing rules of the payment channels by the intelligent routing platform in a parameter form, and maintaining the payment channels in an automatic synchronization or manual mode through the system:
1. payment channel operation rules:
(1) the transaction limit of the payment channel, the upper limit of the amount of payment service processed by the payment channel are maintained in an automatic and synchronous mode of the system;
(2) the system state of the payment channel, the operation date and the operation state of the payment system are maintained in an automatic system synchronization mode;
(3) the authority of a payment channel bank, whether the payment channel authority is opened by the bank or not, and the authority of a row name and a row number mainly from each payment system are maintained in an automatic system synchronization mode;
(4) the charging standard of the payment channel and the charging scheme of each payment channel are manually maintained.
2. Payment channel parameter rules:
(1) remittance timeliness of the payment channel, including real-time, quasi-real-time and non-real-time, is maintained manually;
(2) the service initiating mechanism of the payment channel is limited, and the service initiating mechanism of the payment channel is limited, such as: the Unionpay and same-city payment clearing system needs to limit a service initiating mechanism and is maintained in a manual mode;
(3) the transaction limit in the payment channel line, according to the business requirement, the upper limit and the lower limit of the transaction amount are set for the related payment channel in the line, and the transaction limit can be maintained manually;
(4) the in-line running state of the payment channel comprises the following steps: normal and fault;
(5) the flow control of the payment channel sets threshold parameters of 'transaction number upper limit' and 'transaction number ratio' for the payment channel, thereby realizing the flow limitation, distribution and control of the payment channel and avoiding the over-centralized selection of a certain payment channel due to 'intelligent routing';
if a certain payment channel is provided with a 'transaction number upper limit' parameter, when the number of payment services passing through the payment channel reaches the upper limit value, the system automatically suspends the selection of the channel; if the parameter of 'transaction number ratio' is set, the system automatically allocates payment channels according to a preset ratio;
(6) and the priority of the payment channel defines the priority of each payment channel, and for the payment service under the same condition, the payment channel with high priority can be selected and maintained in a manual mode.
(7) The authority configuration of the payment channel, the payment channel is configured according to the service, the payment channel through which the payment service is paid is set through the system number and the product number, and a plurality of payment channels can be set through one system number and one product number; it is also possible to set which services are not allowed to pay by the payment channel.
Thirdly, calculating by an intelligent routing engine: and when the intelligent route receives the payment channel selection query request, the only selectable payment channel is calculated through the configured routing rule and the payment channel rule, and the result is returned to the requester.
As shown in fig. 3, in the first embodiment of the present invention:
1. customer A makes the money transfer remittance business in the mobile phone bank;
2. customer A fills in service data, payer account information, payee account information, remittance amount (more than 2000 yuan and less than 50000 yuan), timeliness (real-time, quasi-real-time and non-real-time, selected according to customer requirements, in the example, the customer selects real-time), and initiates remittance service;
3. the intelligent routing receives the request of routing query, and the intelligent routing engine calculates to obtain a necessary payment channel as an internet bank interconnection system and returns a query result to the mobile phone bank;
4. the mobile banking system acquires the query result, assembles the internet bank interconnection system credit remittance message and sends a remittance request to the internet bank interconnection system;
5. and the client A receives the transaction response of the internet bank interconnection system through the mobile banking system to obtain a remittance result.
As shown in fig. 3, in the second embodiment of the present invention:
1. customer A makes the money transfer remittance business in the bank temporary cabinet;
2. teller B (acceptance post) accepts customer remittance order;
3. the teller C (input post) logs in the counter system, inputs the service data, the account information of the payer, the account information of the payee, the remittance amount (more than 50000 yuan), the timeliness (real time, quasi real time, non real time, according to the customer's requirement, in this case, the customer selects quasi real time)
4. A teller D (rechecking post) logs in the counter system to initiate remittance routing query transaction, receives the response of routing query and indicates a necessary large payment channel;
5. teller D (recheck post) initiates a second generation payment system large transfer remittance request.
In short, the recommendation method, device, storage medium and electronic device for domestic service routing of the invention realize the function of calculating the optimal payment channel according to the rules of cost, flow distribution, priority and the like for domestic service of the RMB based on the China RMB payment and clearing system specification, and achieve the purposes of automatically selecting the payment channel and saving the service cost of the payment channel of the payment RMB.
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.
The foregoing descriptions of specific exemplary embodiments of the present invention have been presented for purposes of illustration and description. It is not intended to limit the invention to the precise form disclosed, and obviously many modifications and variations are possible in light of the above teaching. The exemplary embodiments were chosen and described in order to explain certain principles of the invention and its practical application to enable one skilled in the art to make and use various exemplary embodiments of the invention and various alternatives and modifications as are suited to the particular use contemplated. It is intended that the scope of the invention be defined by the claims and their equivalents.
Claims (10)
1. A recommendation method for intra-environment service routing is characterized by comprising the following steps:
acquiring service request information initiated by a user;
calculating a unique optional payment channel according to the service request information and through a routing rule and a payment channel rule; and
returning the unique selectable payment channel to the user.
2. A method for recommending intra-traffic routing according to claim 1, wherein said routing rules include: priority by cost, distribution by flow, priority by priority and designation of payment channel.
3. A method for recommending routing of services according to claim 1, wherein said routing rules are configured in remittance money intervals.
4. A method for recommending intra-traffic routing according to claim 1, wherein said payment channel rules comprise: payment channel operation rules and payment channel parameter rules.
5. A recommendation method for intra-business routing as defined in claim 4, wherein said payment channel operation rules comprise: the transaction limit of the payment channel, the system state of the payment channel, the bank authority of the payment channel and the charging standard of the payment channel.
6. A recommendation method for intra-traffic routing as set forth in claim 4, wherein said payment channel parameter rules comprise: remittance timeliness of the payment channel, limitation of a payment channel service initiating mechanism, transaction quota in the payment channel row, running state in the payment channel row, flow control of the payment channel, priority of the payment channel and authority configuration of the payment channel.
7. An apparatus for recommending intra-traffic routing, comprising:
the acquisition module is used for acquiring service request information initiated by a user;
the calculation module is used for calculating a unique optional payment channel according to the service request information and through a routing rule and a payment channel rule; and
and the return module is used for returning the recommended optional payment channel to the user.
8. A recommendation device for intra-traffic routing as defined in claim 7, wherein said routing rules comprise: priority by cost, distribution by flow, priority by priority and designation of payment channel.
9. A storage medium having stored thereon computer-executable instructions for performing the method of recommending intra-traffic routing according to any of claims 1-6.
10. An electronic device, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method for recommending intra-traffic routing of claims 1-6.
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112053143A (en) * | 2020-08-31 | 2020-12-08 | 平安科技（深圳）有限公司 | Fund routing method, apparatus, electronic device and storage medium |
| CN112232803A (en) * | 2020-10-27 | 2021-01-15 | 云账户技术(天津)有限公司 | Payment order pre-routing method and device and electronic equipment |
| CN112541768A (en) * | 2020-12-11 | 2021-03-23 | 中信银行股份有限公司 | Centralized routing method and device, electronic equipment and computer-readable storage medium |
| CN113112263A (en) * | 2021-05-07 | 2021-07-13 | 深圳乐信软件技术有限公司 | Payment mode display method and device, server and storage medium |
| CN113159740A (en) * | 2021-03-11 | 2021-07-23 | 深圳市分期乐网络科技有限公司 | Payment channel determining method and device, electronic equipment and storage medium |
| CN113222566A (en) * | 2021-05-07 | 2021-08-06 | 深圳乐信软件技术有限公司 | Payment management system, method, device and storage medium |
| TWI784894B (en) * | 2021-06-11 | 2022-11-21 | 歐簿客科技股份有限公司 | Information delivery method for transferring fund and electronic device |
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