CN111724249A - Intelligent fund collection method and device, electronic equipment and storage medium - Google Patents
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Abstract
The invention provides an intelligent fund collection method, an intelligent fund collection device, computer equipment and a storage medium, wherein the method comprises the following steps: acquiring a collection instruction through an instruction interface; acquiring performance parameters of each collecting service channel; acquiring an optimal collecting service channel corresponding to the collecting instruction according to the performance parameter of each collecting service channel and a preset rule; detecting whether the optimal collecting service channel meets a preset collecting condition or not; when the optimal collecting service channel meets the preset collecting condition, taking the optimal collecting service channel as a target collecting service channel; transferring the predetermined amount of funds from the second bank account to the first bank account through the target collection service channel. The invention also relates to a block chain technology, and the collection relation table is pre-established and stored in the block chain. The invention can be compatible with a plurality of collecting service channels, and can intelligently select a proper collecting service channel from the plurality of collecting service channels to collect funds, thereby improving the user experience.
Description
Technical Field
The invention relates to the field of artificial intelligence, in particular to an intelligent fund collection method, an intelligent fund collection device, electronic equipment and a storage medium.
Background
When the traditional commercial bank collects the funds of other banks, a customer is required to log in the account of the other banks to initiate transfer, the operation flow is increased, and the user experience is poor. In this regard, more intelligent methods of fund aggregation have been developed: and binding the other bank account of the client to the home bank account of the client, namely directly collecting the fund from the other bank account and then collecting the fund into the home bank account according to the requirement. At present, the commonly used collection service channels of banks include a union of bank collection service channel and a super internet bank collection service channel. In contrast, the acceptance bank of the Unionpay collection service channel has a wider range and higher acceptance limit, but the collection cost is higher; the super network bank collection service channel has lower collection cost, but the acceptance bank has narrower range and lower acceptance limit. The existing fund collection method can only adopt one pre-set collecting service channel to collect the fund and cannot be compatible with the characteristics of different collecting service channels.
Disclosure of Invention
In view of the above-mentioned deficiencies of the prior art, the present invention provides an intelligent fund collection method compatible with different generation service channels, so as to solve the above-mentioned technical problems.
In order to achieve the above object, the present invention provides an intelligent fund collection method, comprising:
acquiring a collection instruction through an instruction interface, wherein the collection instruction is used for instructing a first bank account to collect funds with a preset amount from a second bank account, and a collection relation is established between the first bank account and the second bank account through a plurality of collection service channels;
acquiring the performance parameters of each collecting service channel;
acquiring an optimal collecting service channel corresponding to the collecting instruction according to a preset rule according to the performance parameter of each collecting service channel;
detecting whether the optimal collection service channel meets a preset collection condition or not;
when the optimal collecting service channel meets a preset collecting condition, taking the optimal collecting service channel as the target collecting service channel;
transferring the predetermined amount of funds from the second bank account to the first bank account through the target collection service channel.
In a preferred embodiment of the present invention, the method further comprises:
when the optimal collecting service channel does not meet the preset collecting condition, detecting whether other collecting service channels in the plurality of collecting service channels meet the preset shunting condition;
when detecting that only one collecting service channel meets the preset shunting condition, taking the collecting service channel meeting the preset shunting condition as a target collecting service channel;
and when detecting that the plurality of collecting service channels meet the preset shunting condition, selecting one of the plurality of collecting service channels meeting the shunting condition as the target collecting service channel.
In a preferred embodiment of the present invention, when it is detected that the plurality of the service channels meet the preset offloading condition, the step of selecting one of the plurality of service channels meeting the offloading condition as the target service channel includes:
acquiring the success rate of a plurality of collecting service channels meeting the shunting condition within preset time;
and judging whether the transaction failure number or the concurrency of the collecting service channel with the highest success rate in the preset time meets a preset condition or not from the plurality of collecting service channels meeting the shunting condition, when the preset condition is met, taking the collecting service channel with the highest success rate as the target collecting service channel, and when the preset condition is not met, taking the collecting service channel with the highest success rate as the target collecting service channel.
In a preferred embodiment of the present invention, the step of detecting whether the optimal charging-for-service channel satisfies a preset charging-for-service condition includes:
collecting a response code of the optimal collection service channel;
compiling the response code according to a preset coding rule;
and judging whether the optimal collecting service channel meets the preset collecting condition or not according to the compiled response code.
In a preferred embodiment of the present invention, the preset collecting condition is that the transaction failure ratio of the optimal collecting service channel is smaller than a predetermined threshold.
In a preferred embodiment of the present invention, before the fetching the collecting instruction through the instruction interface, the method further comprises:
and establishing a collection relation table for storing the bank accounts with the collection relation and the corresponding collection service channels.
In a preferred embodiment of the present invention, before the fetching the collecting instruction through the instruction interface, the method further comprises: and storing the collection relation table in a storage device or on a block chain.
In order to achieve the above object, the present invention also provides an intelligent fund collection device, including:
the instruction receiving module is used for acquiring a collection instruction through an instruction interface, wherein the collection instruction is used for indicating a first bank account to collect funds with a preset amount of a second bank account, and a collection relation is established between the first bank account and the second bank account through a plurality of collection service channels;
a parameter obtaining module, configured to obtain a performance parameter of each of the collecting service channels;
the optimal channel acquisition module is used for acquiring an optimal collecting service channel corresponding to the collecting instruction according to the performance parameter of each collecting service channel and a preset rule;
the detection module is used for detecting whether the optimal collecting service channel meets a preset collecting condition;
a target channel determination module, configured to use the optimal collection service channel as the target collection service channel when the optimal collection service channel meets a preset collection condition;
and the collecting module is used for transferring the fund with the preset amount from the second bank account to the first bank account through the target collecting service channel.
In a preferred embodiment of the present invention, the apparatus further comprises:
the distribution channel detection module is used for detecting whether other collecting service channels in the plurality of collecting service channels meet the preset distribution condition or not when the optimal collecting service channel does not meet the preset collecting condition;
a first diversion channel determining module, configured to, when detecting that only one collection service channel satisfies a preset diversion condition, take the collection service channel satisfying the preset diversion condition as a target collection service channel,
and the second diversion channel determining module is used for selecting one of the plurality of collecting service channels meeting the diversion condition as the target collecting service channel when the plurality of collecting service channels meeting the preset diversion condition are detected.
In a preferred embodiment of the present invention, the second diversion channel determining module is specifically configured to:
acquiring the success rate of a plurality of collecting service channels meeting the shunting condition within preset time;
and judging whether the transaction failure number or the concurrency of the collecting service channel with the highest success rate in the preset time meets a preset condition, when the preset condition is met, taking the collecting service channel with the highest success rate as the target collecting service channel, and when the preset condition is not met, taking the collecting service channel with the second highest success rate as the target collecting service channel.
In a preferred embodiment of the present invention, the detection module is specifically configured to:
collecting a response code of the optimal collection service channel;
compiling the response code according to a preset coding rule;
and judging whether the optimal collecting service channel meets the preset collecting condition or not according to the compiled response code.
In a preferred embodiment of the present invention, the preset collecting condition is that the transaction failure ratio of the optimal collecting service channel is smaller than a predetermined threshold.
In a preferred embodiment of the present invention, the apparatus further comprises: and the collection relation table establishing module is used for establishing a collection relation table before the collection instruction is acquired through the instruction interface so as to store the bank account with the collection relation and the corresponding collection service channel.
In a preferred embodiment of the present invention, the apparatus further comprises: and the collection relation table storage module is used for storing the collection relation table in a storage device or on a block chain before the collection instruction is acquired through the instruction interface.
In order to achieve the above object, the present invention also provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the aforementioned method when executing the computer program.
In order to achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the aforementioned method.
Through the technical scheme, the invention has the following beneficial effects:
firstly, acquiring a collection instruction through an instruction interface, wherein the collection instruction is used for indicating a first bank account to collect funds with a preset amount from a second bank account, and a collection relation is established between the first bank account and the second bank account through a plurality of collection service channels; then, acquiring the performance parameter of each collecting service channel, acquiring an optimal collecting service channel corresponding to the collecting instruction according to a preset rule according to the performance parameter of each collecting service channel, and taking the optimal collecting service channel as the target collecting service channel when the optimal collecting service channel meets a preset collecting condition; and finally, transferring the fund with the preset amount from the second bank account to the first bank account through the target collecting service channel. Therefore, the invention can be compatible with a plurality of collecting service channels, and can intelligently select a proper collecting service channel from the plurality of collecting service channels to collect funds, thereby improving the user experience.
Drawings
FIG. 1 is a flow chart of an intelligent fund collection method according to a first embodiment of the present invention;
fig. 2 is a block diagram of an intelligent fund collection apparatus according to a second embodiment of the present invention;
fig. 3 is a hardware architecture diagram of a computer apparatus according to a third embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. As used in this disclosure and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
Example one
The embodiment provides an intelligent fund collection method compatible with characteristics of a plurality of collecting service channels, as shown in fig. 1, including the following steps:
s1, obtaining a collecting instruction through an instruction interface, wherein the collecting instruction is used for instructing a first bank account to collect the fund with the preset amount of a second bank account, and a collecting relationship is established between the first bank account and the second bank account through a plurality of collecting service channels.
In this embodiment, the first bank account and the second bank account generally refer to accounts of different banks, such as an account of a secure bank and an account of a tenderer bank. The first bank account and the second bank account can establish collection relations in advance through a plurality of collection service channels such as unions and super internet banks. After the collection relationship is established, the fund collection can be performed according to the collection instruction, wherein the collection instruction can be manually input by a user, or can be automatically triggered by the system at regular intervals, for example, after the user binds a second bank account in a first bank account, the collection frequency and the amount can be set so as to authorize the first bank account to collect the fund with the preset amount in the second bank at regular intervals, and after the preset time is reached, the corresponding collection instruction is automatically triggered. It should be noted that, when a certain collecting service channel is suspended, it is determined that the collecting service channel is not set between the first bank account and the second bank account, and other collecting service channels may be used to ensure the continuity of collecting operation.
In this embodiment, a collecting relationship table is pre-established for storing the bank account with collecting relationship and the adopted collecting service channel, as shown in table 1 below:
TABLE 1
| Collecting bank account | Account of substituted bank | Collecting service channel |
| Account A | Account B | Channel 1, channel 2 |
| Account C | Account D | Channel 1, channel 2 |
| … | … | … |
And then, storing the established collecting relation table. In this embodiment, the collection relation table may be stored in a common storage device in a structured data storage manner. In addition, the collection relation table can be stored on the block chain in a structured data storage mode. Specifically, a block is first obtained from the target block chain, and then the collection relation table is analyzed into structured data, and the structured data is stored in the obtained block. In the embodiment, the collection relation table is stored in the block, so that tampering can be prevented, and the security is improved.
The blockchain referred to in this embodiment is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
And S2, acquiring the performance parameters of each collecting service channel. In this embodiment, the performance parameters may include parameters such as an acceptance bank scope, an acceptance cost, and an acceptance limit of each acceptance service channel. As described in the background art, the acceptance bank of the union pay service channel has a wider range, higher acceptance limit and higher collection cost; the super network bank collection service channel has lower collection cost, but the acceptance bank has narrower range and lower acceptance limit.
And S3, acquiring the optimal collection service channel corresponding to the collection instruction according to the performance parameters of each collection service channel and the preset rule.
Specifically, the collection service channel with the lowest collection cost when the acceptance bank scope and the acceptance limit satisfy the collection instruction can be used as the optimal collection service channel corresponding to the collection instruction. For example, assuming that the first and second bank accounts in the collecting instruction are within the range of the accepting bank of A, B two channels at the same time, the predetermined amount of money in the collecting instruction simultaneously satisfies the accepting limits of A, B two channels, and if the collecting cost of collecting the predetermined fund by the a channel is higher than the collecting cost of collecting the predetermined fund by the B channel, the B channel is taken as the optimal collecting service channel. For another example, if the first and second bank accounts in the collecting instruction are within the range of the acceptance bank of the a channel but not within the range of the acceptance bank of the B channel, or the predetermined amount of money in the collecting instruction satisfies the acceptance limit of the a channel but does not satisfy the acceptance limit of the B channel, the a channel is used as the optimal collecting service channel even if the collecting cost of collecting the predetermined money by the a channel is higher than the collecting cost of collecting the predetermined money by the B channel.
S4, detecting whether the optimal collecting service channel meets the preset collecting condition.
Usually, each transaction of each generation service channel feeds back a corresponding response code, the response code is a digital identification code generated according to a preset rule according to a transaction result, and the transaction result and the response code are mapped and stored in a mapping list one by one. For example, the response code 00 fed back by the a channel indicates success, 97 indicates that the balance of the bank card is insufficient to cause transaction failure, 98 indicates processing, and 99 indicates that the network jitter causes transaction failure. Although the value of each channel response code may be different, the transaction status represented by the response code substantially corresponds.
The specific process of the step is as follows: firstly, collecting a response code of an optimal collection service channel; then, the response code of the optimal collection service channel is compiled according to a preset coding rule so as to be compiled into a universal response code, so that subsequent data analysis is facilitated; and finally, judging whether the channel meets the preset collection condition or not according to the compiled response codes of all transactions of the optimal collection service channel. Specifically, when the transaction failure ratio of the optimal collecting service channel is smaller than a predetermined threshold, the optimal collecting service channel is considered to satisfy the preset collecting condition, otherwise, the optimal collecting service channel is considered not to satisfy the preset collecting condition. For example, assuming that the a channel is an optimal collection service channel, in 100 transactions of the latest transaction of the a channel, response codes of 80 transactions are successfully displayed, and response codes of 20 transactions are failed due to network jitter, the a channel is considered not to satisfy the preset collection condition. It should be noted that, the present embodiment regards the transaction failure due to the account itself (e.g., insufficient account balance, abnormal account) as success.
And S5, when the optimal collecting service channel meets the preset collecting condition, taking the optimal collecting service channel as the target collecting service channel. For example, assuming that the a channel is the optimal proxy service channel and the network jitter transaction duty ratio of the a channel is less than the predetermined threshold, the a channel is taken as the target proxy service channel.
And S6, when the optimal collecting service channel does not meet the preset collecting condition, detecting whether other collecting service channels in the plurality of collecting service channels meet the preset shunting condition. In this embodiment, the preset offloading condition may mean that the offloading amount and the success rate of the corresponding service channel are higher than the optimal service channel. For example, when the merging amount and the success rate of the B, C channel are higher than the optimal collecting service channel, it is considered that the B, C channel satisfies the preset splitting condition.
And S7, when detecting that only one collecting service channel meets the preset shunting condition, taking the collecting service channel meeting the preset shunting condition as a target collecting service channel. For example, if only the B channel satisfies the preset splitting condition, the B channel is taken as the target receiving service channel.
And S8, when detecting that the plurality of the collecting service channels meet the preset shunting condition, selecting one of the collecting service channels meeting the shunting condition as the target collecting service channel. For example, assuming that B, C channels simultaneously satisfy the preset splitting condition, one of the B, C channels is selected as the target collecting service channel.
The specific implementation process of the step is as follows: firstly, acquiring the success rate of a plurality of collecting service channels meeting the shunting condition within a preset time (such as the previous minute); and then, judging whether the transaction failure number or the concurrency of the collecting service channel with the highest success rate in the preset time meets a preset condition or not from a plurality of collecting services meeting the shunting condition, when the preset condition is met, taking the collecting service channel with the highest success rate as the target collecting service channel, and when the preset condition is not met, taking the collecting service channel with the highest success rate as the target collecting service channel.
For example, assuming that B, C channels simultaneously satisfy the preset diversion condition, the success rate of B, C channels in the previous minute is obtained first; and when the success rate of the channel B is higher, judging whether the transaction failure number or the concurrency of the channel B in a short time meets a preset condition (for example, the difference between the transaction failure number or the concurrency of the channel B and the channel C in the previous minute is not greater than a preset value), if so, taking the channel B as a target collection service channel, and otherwise, taking the channel C as a target collection service channel.
And S9, transferring the fund with the preset amount from the second bank account to the first bank account through the target collecting service channel determined in the previous step. For example, assuming that the channel B is determined to be the target collecting service channel, the fund with the predetermined amount is transferred from the second bank account to the first bank account through the channel B, and when the balance in the second bank account is less than the predetermined amount, the channel B feeds back a response code which causes the transaction failure due to insufficient balance.
In summary, in the embodiment, on the premise of considering the acceptance bank range and the acceptance limit, the collecting service channel with the lowest collecting cost is selected; when the channel transaction failure ratio is not high, carrying out collection processing through the channel; when the channel transaction failure ratio is higher, the channel is considered to be abnormal, and a collection service channel meeting the shunting condition is searched; when only one collecting service channel meeting the shunting condition exists, collecting processing is carried out through the channel; when a plurality of collecting service channels meeting the shunting condition exist, one of the collecting service channels with higher success rate is preferentially selected for collecting processing so as to improve the transaction success probability; when the transaction failure count or the concurrency of the high-power channel is higher, the transaction failure count or the concurrency is distributed to the collecting service channel with the higher success rate for collecting processing. Therefore, the embodiment is compatible with the characteristics of a plurality of collecting service channels, and the whole concurrency amount of the plurality of collecting service channels is improved through the concurrent shunting operation, and the transaction success rate is improved.
In addition, in some cases, the user may force that a certain bank card account be required to perform the collection process only through a designated collection service channel, considering cost control or other objective reasons. At this time, the user can manually configure the designated collecting service channel, and when the designated collecting service channel input by the user is received, funds with the preset amount are transferred from the second bank account to the first bank account directly through the designated collecting service channel, so that the personalized requirements of the user are met, and the user experience is improved to the maximum extent.
Preferably, the embodiment may further display the collected data details (including the response code) of each collection transaction and the collection service channel adopted by each collection transaction for monitoring and observation by the staff.
It should be noted that, for the sake of simplicity, the present embodiment is described as a series of acts, but those skilled in the art should understand that the present invention is not limited by the described order of acts, because some steps can be performed in other orders or simultaneously according to the present invention. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred and that no particular act is required to implement the invention.
Example two
The present embodiment provides an intelligent fund collection apparatus, as shown in fig. 2, the intelligent fund collection apparatus 10 includes:
the instruction receiving module 11 is configured to obtain a collection instruction through an instruction interface, where the collection instruction is used to instruct a first bank account to collect funds of a predetermined amount from a second bank account, and a collection relationship is established between the first bank account and the second bank account through a plurality of collection service channels;
a parameter obtaining module 12, configured to obtain a performance parameter of each of the collecting service channels;
an optimal channel obtaining module 13, configured to obtain, according to the performance parameter of each of the collecting service channels, an optimal collecting service channel corresponding to the collecting instruction according to a preset rule;
a detecting module 14, configured to detect whether the optimal collecting service channel meets a preset collecting condition;
a target channel determining module 15, configured to use the optimal collection service channel as the target collection service channel when the optimal collection service channel meets a preset collection condition;
a distribution channel detection module 16, configured to detect whether there is another collecting service channel in the plurality of collecting service channels that satisfies a preset distribution condition when the optimal collecting service channel does not satisfy the preset collecting condition;
a first diversion channel determining module 17, configured to, when detecting that only one collection service channel satisfies the preset diversion condition, take the collection service channel satisfying the preset diversion condition as a target collection service channel,
a second diversion channel determining module 18, configured to, when it is detected that the plurality of collected service channels satisfy the preset diversion condition, select one of the plurality of collected service channels that satisfy the diversion condition as the target collected service channel
And the collecting module 19 is used for transferring the fund with the preset amount from the second bank account to the first bank account through the target collecting service channel.
Preferably, the second diversion channel determination module 18 is specifically configured to:
acquiring the success rate of a plurality of collecting service channels meeting the shunting condition within preset time;
and judging whether the transaction failure number or the concurrency of the collecting service channel with the highest success rate in the preset time meets a preset condition, when the preset condition is met, taking the collecting service channel with the highest success rate as the target collecting service channel, and when the preset condition is not met, taking the collecting service channel with the second highest success rate as the target collecting service channel.
Preferably, the detection module 14 is specifically configured to:
collecting a response code of the optimal collection service channel;
compiling the response code according to a preset coding rule;
and judging whether the optimal collecting service channel meets the preset collecting condition or not according to the compiled response code.
Preferably, the preset collecting condition is that the transaction failure ratio of the optimal collecting service channel is smaller than a preset threshold.
Preferably, the intelligent fund collection device 10 of the present embodiment further includes: and the collection relation table establishing module is used for establishing a collection relation table before the collection instruction is acquired through the instruction interface so as to store the bank account with the collection relation and the corresponding collection service channel.
Preferably, the intelligent fund collection device 10 of the present embodiment further includes: and the collection relation table storage module is used for storing the collection relation table in a storage device or on a block chain before the collection instruction is acquired through the instruction interface.
For the embodiment of the apparatus, it is basically similar to the method embodiment of the first embodiment, so the description herein is relatively simple, and for the relevant points, refer to the partial description of the method embodiment. Also, it should be understood by those skilled in the art that the embodiments described in the specification are preferred embodiments and the reference to the module is not necessarily essential to the invention.
EXAMPLE III
The present embodiment provides a computer device, such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a rack server, a blade server, a tower server, or a rack server (including an independent server or a server cluster composed of multiple servers) capable of executing programs. The computer device 20 of the present embodiment includes at least, but is not limited to: a memory 21, a processor 22, which may be communicatively coupled to each other via a system bus, as shown in FIG. 3. It is noted that fig. 3 only shows the computer device 20 with components 21-22, but it is to be understood that not all shown components are required to be implemented, and that more or fewer components may be implemented instead.
In the present embodiment, the memory 21 (i.e., a readable storage medium) includes a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the storage 21 may be an internal storage unit of the computer device 20, such as a hard disk or a memory of the computer device 20. In other embodiments, the memory 21 may also be an external storage device of the computer device 20, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), or the like, provided on the computer device 20. Of course, the memory 21 may also include both internal and external storage devices of the computer device 20. In this embodiment, the memory 21 is generally used for storing an operating system and various application software installed in the computer device 20, such as the program codes of the intelligent fund collection apparatus 10 of the second embodiment. Further, the memory 21 may also be used to temporarily store various types of data that have been output or are to be output.
Processor 22 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 22 is typically used to control the overall operation of the computer device 20. In this embodiment, the processor 22 is configured to execute the program code stored in the memory 21 or process data, for example, execute the intelligent fund collection apparatus 10, so as to implement the intelligent fund collection method according to the first embodiment.
Example four
The present embodiment provides a computer-readable storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application mall, etc., on which a computer program is stored, which when executed by a processor implements corresponding functions. The computer-readable storage medium of the embodiment is used for storing the intelligent fund collection device 10, and when being executed by a processor, the intelligent fund collection method of the first embodiment is implemented.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. An intelligent fund collection method, comprising:
acquiring a collection instruction through an instruction interface, wherein the collection instruction is used for instructing a first bank account to collect funds with a preset amount from a second bank account, and a collection relation is established between the first bank account and the second bank account through a plurality of collection service channels;
acquiring the performance parameters of each collecting service channel;
acquiring an optimal collecting service channel corresponding to the collecting instruction according to a preset rule according to the performance parameter of each collecting service channel;
detecting whether the optimal collection service channel meets a preset collection condition or not;
when the optimal collecting service channel meets a preset collecting condition, taking the optimal collecting service channel as the target collecting service channel;
transferring the predetermined amount of funds from the second bank account to the first bank account through the target collection service channel.
2. The intelligent fund collection method according to claim 1, wherein the method further comprises:
when the optimal collecting service channel does not meet the preset collecting condition, detecting whether other collecting service channels in the plurality of collecting service channels meet the preset shunting condition;
when detecting that only one collecting service channel meets the preset shunting condition, taking the collecting service channel meeting the preset shunting condition as a target collecting service channel;
and when detecting that the plurality of collecting service channels meet the preset shunting condition, selecting one of the plurality of collecting service channels meeting the shunting condition as the target collecting service channel.
3. The intelligent fund collection method according to claim 2, wherein the step of selecting one of the plurality of collecting service channels satisfying the splitting condition as the target collecting service channel when detecting that the plurality of collecting service channels satisfy a preset splitting condition comprises:
acquiring the success rate of a plurality of collecting service channels meeting the shunting condition within preset time;
and judging whether the transaction failure number or the concurrency of the collecting service channel with the highest success rate in the preset time meets a preset condition or not from the plurality of collecting service channels meeting the shunting condition, when the preset condition is met, taking the collecting service channel with the highest success rate as the target collecting service channel, and when the preset condition is not met, taking the collecting service channel with the highest success rate as the target collecting service channel.
4. The intelligent fund collection method according to claim 1, wherein the step of detecting whether the optimal collecting service channel satisfies a preset collecting condition comprises:
collecting a response code of the optimal collection service channel;
compiling the response code according to a preset coding rule;
and judging whether the optimal collecting service channel meets the preset collecting condition or not according to the compiled response code.
5. The intelligent fund collection method according to claim 4, wherein the preset collecting condition is that the transaction failure ratio of the optimal collecting service channel is less than a predetermined threshold.
6. The intelligent fund collection method according to claim 1, wherein prior to the obtaining of the collecting instruction via the instruction interface, the method further comprises:
and establishing a collection relation table for storing the bank accounts with the collection relation and the corresponding collection service channels.
7. The intelligent fund collection method according to claim 6, wherein prior to the obtaining of the collecting instruction via the instruction interface, the method further comprises: and storing the collection relation table in a storage device or on a block chain.
8. An intelligent fund collection device, comprising:
the instruction receiving module is used for acquiring a collection instruction through an instruction interface, wherein the collection instruction is used for indicating a first bank account to collect funds with a preset amount of a second bank account, and a collection relation is established between the first bank account and the second bank account through a plurality of collection service channels;
a parameter obtaining module, configured to obtain a performance parameter of each of the collecting service channels;
the optimal channel acquisition module is used for acquiring an optimal collecting service channel corresponding to the collecting instruction according to the performance parameter of each collecting service channel and a preset rule;
the detection module is used for detecting whether the optimal collecting service channel meets a preset collecting condition;
a target channel determination module, configured to use the optimal collection service channel as the target collection service channel when the optimal collection service channel meets a preset collection condition;
and the collecting module is used for transferring the fund with the preset amount from the second bank account to the first bank account through the target collecting service channel.
9. 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 the method of any of claims 1 to 7 are implemented by the processor when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
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