CN112036873A - Method and device for determining inter-bank payment mode - Google Patents
Method and device for determining inter-bank payment mode Download PDFInfo
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- CN112036873A CN112036873A CN202010902707.7A CN202010902707A CN112036873A CN 112036873 A CN112036873 A CN 112036873A CN 202010902707 A CN202010902707 A CN 202010902707A CN 112036873 A CN112036873 A CN 112036873A
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Abstract
The invention discloses a method and a device for determining a cross-bank payment mode, wherein the method comprises the following steps: the method comprises the steps of obtaining merchant payment order information, a first payment mode list and service parameters and monitoring parameters corresponding to each payment mode in the first payment mode list, wherein the merchant payment order information comprises: transaction terminal information, order amount information and bank card number information; when a cross-bank payment instruction is received, comparing the merchant payment order information with the service parameters corresponding to each payment mode in a first payment mode list, screening the payment modes in the first payment mode list according to the comparison result, and determining a second payment mode list; determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters; and determining a cross-bank payment mode according to the priority label. The invention can efficiently determine the cross-bank payment mode, saves manpower, material resources and time cost, improves the payment success rate of the user and improves the user experience.
Description
Technical Field
The invention relates to the technical field of bank card payment, in particular to a method and a device for determining a cross-bank payment mode.
Background
At present, the acquirer wants to realize the card payment function of other lines, mostly carries out payment confirmation on the online gateway payment service and the online bank payment service of the bank union through the bank union channel, the two services generally need the client to skip the payment confirmation page of the PC version or WAP version and the payment page of the issuer, and the client experience is poor due to the long path. With the development of the mobile internet, more and more businesses that the unions can accept the payment of the cards of other banks exist, and with the deployment of national strategies, the promises of the union of network and the different military provide various businesses to realize the function of the payment of the cards of other banks. There may be more clearing houses (X-up) offering more payment channels later.
The current payment processing system of the acquirer bank also mostly butt each business module of the Unionpay and the network union in order to realize the function of payment across banks. If a certain merchant wants to realize the support of payment of all bank cards through a receiving bank, a certain payment service of a certain channel is often required to be applied by the receiving bank separately and the receiving bank, special development is required for specific service types, a service worker also needs to make special configuration according to a certain service of the certain channel selected by a user, if a new channel is connected with an issuing bank, secondary development is often required for the merchant to apply for use, the service worker also needs to repeat configuration, the whole process consumes a large amount of manpower and material resources, the time consumption is long, the payment success rate of the user is low, and the customer experience is influenced.
Disclosure of Invention
The embodiment of the invention provides a method for determining a cross-bank payment mode, which is used for efficiently determining the cross-bank payment mode, saving manpower, material resources and time cost, improving the payment success rate of a user and improving the customer experience, and comprises the following steps:
the method comprises the steps of obtaining merchant payment order information, a first payment mode list and service parameters and monitoring parameters corresponding to each payment mode in the first payment mode list, wherein the merchant payment order information comprises: transaction terminal information, order amount information and bank card number information;
when a cross-bank payment instruction is received, comparing the merchant payment order information with the service parameters corresponding to each payment mode in a first payment mode list, screening the payment modes in the first payment mode list according to the comparison result, and determining a second payment mode list;
determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters;
and determining a cross-bank payment mode according to the priority label.
The embodiment of the invention provides a device for determining a cross-bank payment mode, which is used for efficiently determining the cross-bank payment mode, saving manpower, material resources and time cost, improving the payment success rate of a user and improving the customer experience, and comprises the following components:
an information obtaining module, configured to obtain merchant payment order information, a first payment method list, and a service parameter and a monitoring parameter corresponding to each payment method in the first payment method list, where the merchant payment order information includes: transaction terminal information, order amount information and bank card number information;
the first screening module is used for comparing the merchant payment order information with the service parameters corresponding to each payment mode in a first payment mode list when a cross-bank payment instruction is received, screening the payment modes in the first payment mode list according to a comparison result and determining a second payment mode list;
the priority determining module is used for determining a priority label of each payment mode in the second payment mode list according to the monitoring parameters;
and the payment mode determining module is used for determining the cross-bank payment mode according to the priority label.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be run on the processor, wherein the processor executes the computer program to realize the method for determining the cross-bank payment mode.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above cross-bank payment method is stored in the computer-readable storage medium.
In the embodiment of the present invention, merchant payment order information, a first payment method list, and a service parameter and a monitoring parameter corresponding to each payment method in the first payment method list are obtained, where the merchant payment order information includes: transaction terminal information, order amount information and bank card number information; when a cross-bank payment instruction is received, comparing the merchant payment order information with the service parameters corresponding to each payment mode in a first payment mode list, screening the payment modes in the first payment mode list according to the comparison result, and determining a second payment mode list; determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters; and determining a cross-bank payment mode according to the priority label. According to the embodiment of the invention, a business person does not need to make a special development for a certain payment mode and a specific service type independently and with an acquirer, and does not need to make a special configuration, when a cross-bank payment instruction is received, the information of a merchant payment order is compared with the service parameters corresponding to each payment mode, so that the rapid batch screening of the payment modes is realized, the priority label of each payment mode is further determined according to the monitoring parameters after screening, the most suitable payment mode is dynamically recommended to a customer according to the priority of the payment mode, the channel use cost of a bank is reduced while the card payment requirements of other customers are met, the payment success rate of the customer is improved, and the customer experience is effectively improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a cross-bank payment method determination method according to an embodiment of the present invention;
fig. 2 is a block diagram of a cross-bank payment method determination apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
First, terms referred to in the embodiments of the present application are described:
a card issuing bank: various bank cards are issued to cardholders and certain fees are charged by providing various related bank card services, which are the initiators and organizers of the bank card market and the sellers of the bank card market.
And (3) acquiring a single file: refers to a bank that exchanges cash in a cross-bank transaction or contracts with a merchant to settle funds in the cross-bank transaction and directly or indirectly close up the transaction.
The merchant: refers to a retailer, individual, company or other organization that has a merchant agreement with an acquirer and accepts bank card payment services.
As described above, in order to implement the cross-bank payment function, most of the current acquirer bank payment processing systems also interface with each service module of the union pay and the internet. If a certain merchant wants to realize the support of payment of all bank cards through a receiving bank, a certain payment service of a certain channel is often required to be applied by the receiving bank separately and the receiving bank, special development is required for specific service types, a service worker also needs to make special configuration according to a certain service of the certain channel selected by a user, if a new channel is connected with an issuing bank, secondary development is often required for the merchant to apply for use, the service worker also needs to repeat configuration, the whole process consumes a large amount of manpower and material resources, the time consumption is long, the payment success rate of the user is low, and the customer experience is influenced. The method comprises the following steps that a special merchant receiving a single bank usually only cares about the order that the special merchant can not pay the bank card, and usually does not care about the service of which payment channel is used for realizing the bank card payment. The number and the types of other bank cards supported by one channel and one service are limited, if a merchant is only connected with one service of one channel, all bank cards of all customers cannot be covered, and a special merchant needs to be matched with an acquiring bank to perform related reconstruction on other channels. The use rates of different services of different channels and the cost rates of the acquiring bank are different, if the old scheme is still used, even if the acquiring bank is opposite to the channel with more favorable rates, the commercial tenant and the acquiring bank can not switch timely and effectively. During the maintenance period of each service of each channel, even if a merchant is switched to another channel, a customer of the merchant cannot normally use his bank card to pay through a merchant website, so that the development of the normal service of the merchant is influenced, and the customer experience is greatly lost.
In order to efficiently determine a cross-bank payment method, save manpower, material resources, and time costs, improve a user payment success rate, and improve customer experience, an embodiment of the present invention provides a cross-bank payment method, as shown in fig. 1, the method may include:
102, when a cross-bank payment instruction is received, comparing the merchant payment order information with service parameters corresponding to each payment mode in a first payment mode list, screening the payment modes in the first payment mode list according to a comparison result, and determining a second payment mode list;
103, determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters;
and step 104, determining a cross-bank payment mode according to the priority label.
As shown in fig. 1, in the embodiment of the present invention, by obtaining merchant payment order information, a first payment method list, and a service parameter and a monitoring parameter corresponding to each payment method in the first payment method list, the merchant payment order information includes: transaction terminal information, order amount information and bank card number information; when a cross-bank payment instruction is received, comparing the merchant payment order information with the service parameters corresponding to each payment mode in a first payment mode list, screening the payment modes in the first payment mode list according to the comparison result, and determining a second payment mode list; determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters; and determining a cross-bank payment mode according to the priority label. According to the embodiment of the invention, a business person does not need to make a special development for a certain payment mode and a specific service type independently and with an acquirer, and does not need to make a special configuration, when a cross-bank payment instruction is received, the information of a merchant payment order is compared with the service parameters corresponding to each payment mode, so that the rapid batch screening of the payment modes is realized, the priority label of each payment mode is further determined according to the monitoring parameters after screening, the most suitable payment mode is dynamically recommended to a customer according to the priority of the payment mode, the channel use cost of a bank is reduced while the card payment requirements of other customers are met, the payment success rate of the customer is improved, and the customer experience is effectively improved.
In specific implementation, merchant payment order information, a first payment mode list and service parameters and monitoring parameters corresponding to each payment mode in the first payment mode list are obtained, wherein the merchant payment order information comprises: transaction terminal information, order amount information and bank card number information.
In an embodiment, the payment methods of the first payment method list may include: the payment method of the Unionpay channel and the payment method of the internetwork channel. Specifically, the payment method of the union pay channel may include: the method comprises the steps of online gateway payment of the Unionpay, online bank payment of the Unionpay, rapid card-free payment of the Unionpay, QR channel payment of the Unionpay, skip-free payment of the Unionpay, webpage payment of the Unionpay mobile phone, control payment of the Unionpay mobile phone, and APP payment of cloud flash payment of the Unionpay. The internet access payment method may include: the payment of the internet gateway, the payment of the internet protocol and the payment of the internet authentication.
In specific implementation, when a cross-bank payment instruction is received, comparing the merchant payment order information with the service parameters corresponding to each payment mode in the first payment mode list, screening the payment modes in the first payment mode list according to a comparison result, and determining a second payment mode list.
In an embodiment, the service parameters include: supporting terminal information, quota information, supporting bank information, supporting card type information; comparing the merchant payment order information with the service parameters corresponding to each payment mode in the first payment mode list, screening the payment modes in the first payment mode list according to the comparison result, and determining a second payment mode list, wherein the steps of: comparing the transaction terminal information with support terminal information, comparing the order amount information with limit information, determining transaction bank information and transaction card type information according to the bank card number information, comparing the transaction bank information with support bank information, comparing the transaction card type information with support card type information, screening payment modes in the first payment mode list according to a comparison result, and determining a second payment mode list.
In this embodiment, the supporting the terminal information may include: one or any combination of PC, WAP and APP, and the bank information support can include: the information of the card type can include one or any combination of middle line, farm line, work line, construction line and traffic line: debit cards and/or credit cards.
In an embodiment, monitoring parameters includes: channel availability information; the method for determining the cross-bank payment mode further comprises the following steps: and after the payment modes in the first payment mode list are screened according to the comparison result, further screening the payment modes in the second payment mode list according to the channel availability information to determine a second payment mode list.
In this embodiment, the channel availability information may be obtained through heartbeat transaction, and the transaction for obtaining the system time or obtaining the current interface version number provided by each channel may be taken as heartbeat transaction, and the system initiates heartbeat transaction every 5 seconds, and the current channel may be considered to be available as long as there is normal return.
In an embodiment, the service parameter further includes: a concurrency number threshold; the monitoring parameters further include: current payment mode concurrency number; the method for determining the cross-bank payment mode further comprises the following steps: and after the payment modes in the first payment mode list are screened according to the comparison result, further screening the payment modes in the second payment mode list according to the difference value between the concurrency number threshold and the current payment mode concurrency number, and determining a second payment mode list.
In this embodiment, the concurrency threshold is set by the service according to the channel quality, before each channel is on-line, a pressure test of the production environment is usually performed, and after the pressure test is completed, the maximum concurrency supported by the channel exists; meanwhile, each external channel official can also give a reference of the maximum concurrency number; the threshold value of the concurrency number should be set to be the minimum value of the maximum concurrency number of the production pressure measurement and the maximum concurrency number recommended by the channel. The current payment mode concurrency number can be calculated by a log analysis tool, such as an ELK, according to the current monitoring log monitorlog.
In specific implementation, the priority label of each payment mode in the second payment mode list is determined according to the monitoring parameters.
In an embodiment, the service parameter further includes: channel cost information, a channel cost weight value, a transaction response time length weight value and a history failure rate weight value; the monitoring parameters include: transaction response duration information and historical failure rate information; determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters, wherein the priority label comprises the following steps: and calculating a weighted value of each payment mode according to the channel cost information, the channel cost weighted value, the transaction response time length information, the transaction response time length weighted value, the historical failure rate information and the historical failure rate weighted value corresponding to each payment mode in the second payment mode list, and setting a priority label according to the weighted value.
In this embodiment, the channel cost information includes single cost information and rate information. The transaction response duration information is obtained through a channel historical transaction response data record. For payment transaction of each channel, a monitoring log monitorlog mechanism is established in advance, information such as starting and ending time nodes, transaction state codes and transaction time consumption in the process from transaction initiation to deduction return result is recorded in detail, and response time length information of the transaction is recorded into a storage module according to maintenance of minutes, time and days through a log analysis tool such as an ELK. The historical failure rate information is obtained through the specific value of the historical transaction failure number and the total transaction number of the specific payment mode under the channel, and the response time length information of the transaction is recorded into the storage module according to the maintenance of minutes, time and days through a log analysis tool such as an ELK. And the channel cost weight value, the transaction response time length weight value and the historical failure rate weight value are maintained in the system after business personnel weigh the weight of each key element established after the business personnel weigh the channel cost information, the transaction response time length information and the historical failure rate information.
In an embodiment, the service parameter further includes: default priority information; the method for determining the cross-bank payment mode further comprises the following steps: after the priority label of each payment mode is determined, if the priority labels of at least two payment modes are the same, updating the priority label of the payment mode with the same priority label according to the default priority information.
In this embodiment, the default priority information is set for each payment method by the service staff according to the payment experience of each payment method.
And in specific implementation, determining a cross-bank payment mode according to the priority label.
In the embodiment, the weighted value of each payment mode is calculated and sorted according to the channel cost and the weighted value, the transaction response time and the weighted value, and the historical failure rate and the weighted value, wherein the smaller the numerical value, the higher the sorting is. If the weighted values are the same, the priority is ranked again according to the default priority of the service parameters; and obtaining the optimal payment mode sequencing. The page flow and required prime items of each payment mode are different, and after the payment mode is determined through intelligent routing, the front-end page guides the customer to use the first recommended payment mode to pay. If the customer can not pay successfully by using the last recommended payment mode, the system automatically guides the customer to pay by using a subsequent payment mode through the front end until the customer pays successfully or abandons the payment.
A specific embodiment is given below to illustrate a specific application of the method for determining a cross-bank payment method in the embodiment of the present invention. In this embodiment, the merchant system provides the merchants with different terminals for the customer to select the goods and generate the payment order. The customer completes the order placing action through different terminals of the merchant, and the merchant system processes the generated payment order. And after receiving the payment order of the customer, the merchant system sends the payment order information to an acquirer. After receiving the merchant payment order, the acquirer stores the merchant payment order through the storage module; and after the payment order of the merchant is correctly received, the cashier desk is displayed and provided for the customer to select different payment modes. And if the customer selects the card payment in the bank, the bank displays the payment page in the bank, the customer confirms the payment operation, the core system of the bank carries out the money deduction operation, and the merchant is informed of the payment result after the money deduction is successful. If the customer selects the card in other rows for payment, the acquirer dynamically calculates the payment mode finally shown to the customer for payment through the intelligent routing module, and after the customer carries out payment transaction, the payment transaction is sent to the specific business processing module of the payment channel in other rows for processing through the transaction processing module in other rows. And the acquirer timely informs the merchant system after getting the payment result through other payment channel service processing modules. The other-bank payment channel receives the payment request sent by the other-bank transaction processing module of the acquirer. And finishing payment deduction application at a user card issuing bank, and acquiring a deduction result in time. And feeding the payment result obtained from the card issuer back to the transaction processing module of other banks of the acquirer in time. The method comprises the steps that business personnel need to maintain and check business parameters through a management module, the maintained parameters are stored through a storage module, a monitoring module collects monitoring parameter data of each channel in real time and stores the monitoring parameter data through the storage module, when a transaction needing to be paid by other bank cards is received, all current payment modes supported are obtained, payment modes which do not support the terminal type are screened out according to transaction terminal information, and payment modes which exceed a limit are screened out according to order amount information; the method comprises the steps of obtaining bank and card type information corresponding to a customer number according to the customer card number, screening payment modes which do not support the card type of the bank according to the bank and card type information, screening currently unavailable payment modes according to channel availability, screening currently busy payment modes according to a difference value of a concurrent number threshold and the current concurrent number of the payment modes, and obtaining a list of all payment modes which can be used by an order. And secondly, sorting all available payment modes for the second time by combining data such as channel cost, transaction response time length, historical success rate and the like, calculating weighted values of all payment modes according to the channel cost and the weighted values, the transaction response time length and the weighted values, and the historical failure rate and the weighted values, and sorting the payment modes more before the numerical values are smaller, and if the weighted values are the same, sorting the payment modes again according to the service parameter default priority to obtain the optimal payment mode sorting. The page flow and required prime items of each payment mode are different, after the payment mode is determined through intelligent routing, the client is guided to use the first recommended payment mode to pay through the front-end page, and if the client cannot pay successfully through the last recommended payment mode, the system automatically guides the client to use the subsequent payment mode to pay through the front end until the client pays successfully or gives up payment.
In the embodiment of the invention, a merchant only needs to open other bank card payment in the bank, and can use different services of each channel butted by a receiving bank, thereby effectively reducing the repeated labor of the merchant and the services, and comprehensively meeting the payment requests of each amount, different banks and different card types; the most suitable payment mode is dynamically recommended to the customer according to the transaction information and the channel information, so that the customer experience can be effectively improved, and the payment cost of the merchant and the acquirer is reduced; according to the channel state, the payment transaction can be switched to a more available payment channel in time, and the payment success rate is greatly improved.
Based on the same inventive concept, the embodiment of the present invention further provides a device for determining a cross-bank payment method, as described in the following embodiments. Because the principles of solving the problems are similar to the method for determining the cross-bank payment mode, the implementation of the device can refer to the implementation of the method, and repeated details are not repeated.
Fig. 2 is a block diagram of a cross-bank payment method determining apparatus in an embodiment of the present invention, and as shown in fig. 2, the apparatus includes:
an information obtaining module 201, configured to obtain merchant payment order information, a first payment method list, and a service parameter and a monitoring parameter corresponding to each payment method in the first payment method list, where the merchant payment order information includes: transaction terminal information, order amount information and bank card number information;
the first screening module 202 is configured to, when a cross-bank payment instruction is received, compare the merchant payment order information with a service parameter corresponding to each payment method in a first payment method list, screen the payment methods in the first payment method list according to a comparison result, and determine a second payment method list;
a priority determining module 203, configured to determine, according to the monitoring parameter, a priority label of each payment method in the second payment method list;
and the payment mode determining module 204 is configured to determine a cross-bank payment mode according to the priority label.
In one embodiment, the service parameters include: supporting terminal information, quota information, supporting bank information, supporting card type information;
the first screening module is further to: comparing the transaction terminal information with support terminal information, comparing the order amount information with limit information, determining transaction bank information and transaction card type information according to the bank card number information, comparing the transaction bank information with support bank information, comparing the transaction card type information with support card type information, screening payment modes in the first payment mode list according to a comparison result, and determining a second payment mode list.
In one embodiment, the monitoring parameters include: channel availability information;
the cross-bank payment mode determining device further comprises: and the second screening module is used for further screening the payment modes in the second payment mode list according to the channel availability information after screening the payment modes in the first payment mode list according to the comparison result, and determining the second payment mode list.
In one embodiment, the service parameter further includes: a concurrency number threshold; the monitoring parameters further include: current payment mode concurrency number;
the cross-bank payment mode determining device further comprises: and the third screening module is used for further screening the payment modes in the second payment mode list according to the difference value between the concurrency number threshold and the current payment mode concurrency number after screening the payment modes in the first payment mode list according to the comparison result, and determining the second payment mode list.
In one embodiment, the service parameter further includes: channel cost information, a channel cost weight value, a transaction response time length weight value and a history failure rate weight value; the monitoring parameters include: transaction response duration information and historical failure rate information;
the priority determination module is further to: and calculating a weighted value of each payment mode according to the channel cost information, the channel cost weighted value, the transaction response time length information, the transaction response time length weighted value, the historical failure rate information and the historical failure rate weighted value corresponding to each payment mode in the second payment mode list, and setting a priority label according to the weighted value.
In one embodiment, the service parameter further includes: default priority information;
the cross-bank payment mode determining device further comprises: and the updating module is used for updating the priority labels of the payment modes with the same priority label according to the default priority information if the priority labels of at least two payment modes are the same after the priority label of each payment mode is determined.
In summary, in the embodiments of the present invention, by obtaining the merchant payment order information, the first payment method list, and the service parameter and the monitoring parameter corresponding to each payment method in the first payment method list, the merchant payment order information includes: transaction terminal information, order amount information and bank card number information; when a cross-bank payment instruction is received, comparing the merchant payment order information with the service parameters corresponding to each payment mode in a first payment mode list, screening the payment modes in the first payment mode list according to the comparison result, and determining a second payment mode list; determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters; and determining a cross-bank payment mode according to the priority label. According to the embodiment of the invention, a business person does not need to make a special development for a certain payment mode and a specific service type independently and with an acquirer, and does not need to make a special configuration, when a cross-bank payment instruction is received, the information of a merchant payment order is compared with the service parameters corresponding to each payment mode, so that the rapid batch screening of the payment modes is realized, the priority label of each payment mode is further determined according to the monitoring parameters after screening, the most suitable payment mode is dynamically recommended to a customer according to the priority of the payment mode, the channel use cost of a bank is reduced while the card payment requirements of other customers are met, the payment success rate of the customer is improved, and the customer experience is effectively improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. 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 above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (14)
1. A method for determining a cross-bank payment mode is characterized by comprising the following steps:
the method comprises the steps of obtaining merchant payment order information, a first payment mode list and service parameters and monitoring parameters corresponding to each payment mode in the first payment mode list, wherein the merchant payment order information comprises: transaction terminal information, order amount information and bank card number information;
when a cross-bank payment instruction is received, comparing the merchant payment order information with the service parameters corresponding to each payment mode in a first payment mode list, screening the payment modes in the first payment mode list according to the comparison result, and determining a second payment mode list;
determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters;
and determining a cross-bank payment mode according to the priority label.
2. The method for determining a cross-bank payment method of claim 1, wherein the service parameters comprise: supporting terminal information, quota information, supporting bank information, supporting card type information;
comparing the merchant payment order information with the service parameters corresponding to each payment mode in the first payment mode list, screening the payment modes in the first payment mode list according to the comparison result, and determining a second payment mode list, wherein the steps of:
comparing the transaction terminal information with support terminal information, comparing the order amount information with limit information, determining transaction bank information and transaction card type information according to the bank card number information, comparing the transaction bank information with support bank information, comparing the transaction card type information with support card type information, screening payment modes in the first payment mode list according to a comparison result, and determining a second payment mode list.
3. The method for determining a cross-bank payment approach of claim 2, wherein the monitoring parameters comprise: channel availability information;
the method for determining the cross-bank payment mode further comprises the following steps: and after the payment modes in the first payment mode list are screened according to the comparison result, further screening the payment modes in the second payment mode list according to the channel availability information to determine a second payment mode list.
4. The method for determining a cross-bank payment method according to any one of claims 2 or 3, wherein the service parameters further comprise: a concurrency number threshold; the monitoring parameters further include: current payment mode concurrency number;
the method for determining the cross-bank payment mode further comprises the following steps: and after the payment modes in the first payment mode list are screened according to the comparison result, further screening the payment modes in the second payment mode list according to the difference value between the concurrency number threshold and the current payment mode concurrency number, and determining a second payment mode list.
5. The method for determining a cross-bank payment method of claim 2, wherein the service parameters further comprise: channel cost information, a channel cost weight value, a transaction response time length weight value and a history failure rate weight value; the monitoring parameters include: transaction response duration information and historical failure rate information;
determining a priority label of each payment mode in a second payment mode list according to the monitoring parameters, wherein the priority label comprises the following steps: and calculating a weighted value of each payment mode according to the channel cost information, the channel cost weighted value, the transaction response time length information, the transaction response time length weighted value, the historical failure rate information and the historical failure rate weighted value corresponding to each payment mode in the second payment mode list, and setting a priority label according to the weighted value.
6. The method for determining a cross-bank payment method of claim 5, wherein the service parameters further comprise: default priority information;
the method for determining the cross-bank payment mode further comprises the following steps: after the priority label of each payment mode is determined, if the priority labels of at least two payment modes are the same, updating the priority label of the payment mode with the same priority label according to the default priority information.
7. A cross bank payment method determining apparatus, comprising:
an information obtaining module, configured to obtain merchant payment order information, a first payment method list, and a service parameter and a monitoring parameter corresponding to each payment method in the first payment method list, where the merchant payment order information includes: transaction terminal information, order amount information and bank card number information;
the first screening module is used for comparing the merchant payment order information with the service parameters corresponding to each payment mode in a first payment mode list when a cross-bank payment instruction is received, screening the payment modes in the first payment mode list according to a comparison result and determining a second payment mode list;
the priority determining module is used for determining a priority label of each payment mode in the second payment mode list according to the monitoring parameters;
and the payment mode determining module is used for determining the cross-bank payment mode according to the priority label.
8. The cross-bank payment method determining apparatus of claim 7, wherein the service parameters comprise: supporting terminal information, quota information, supporting bank information, supporting card type information;
the first screening module is further to: comparing the transaction terminal information with support terminal information, comparing the order amount information with limit information, determining transaction bank information and transaction card type information according to the bank card number information, comparing the transaction bank information with support bank information, comparing the transaction card type information with support card type information, screening payment modes in the first payment mode list according to a comparison result, and determining a second payment mode list.
9. The cross-bank payment method determination apparatus of claim 8, wherein the monitoring parameters comprise: channel availability information;
the cross-bank payment mode determining device further comprises: and the second screening module is used for further screening the payment modes in the second payment mode list according to the channel availability information after screening the payment modes in the first payment mode list according to the comparison result, and determining the second payment mode list.
10. The cross-bank payment method determination apparatus of any one of claims 8 or 9, wherein the service parameters further comprise: a concurrency number threshold; the monitoring parameters further include: current payment mode concurrency number;
the cross-bank payment mode determining device further comprises: and the third screening module is used for further screening the payment modes in the second payment mode list according to the difference value between the concurrency number threshold and the current payment mode concurrency number after screening the payment modes in the first payment mode list according to the comparison result, and determining the second payment mode list.
11. The cross-bank payment method determining apparatus of claim 8, wherein the service parameters further comprise: channel cost information, a channel cost weight value, a transaction response time length weight value and a history failure rate weight value; the monitoring parameters include: transaction response duration information and historical failure rate information;
the priority determination module is further to: and calculating a weighted value of each payment mode according to the channel cost information, the channel cost weighted value, the transaction response time length information, the transaction response time length weighted value, the historical failure rate information and the historical failure rate weighted value corresponding to each payment mode in the second payment mode list, and setting a priority label according to the weighted value.
12. The cross-bank payment method determining apparatus of claim 11, wherein the service parameters further comprise: default priority information;
the cross-bank payment mode determining device further comprises: and the updating module is used for updating the priority labels of the payment modes with the same priority label according to the default priority information if the priority labels of at least two payment modes are the same after the priority label of each payment mode is determined.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 6.
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