CN113469806B - Payment channel determining method, device, equipment and storage medium - Google Patents
Payment channel determining method, device, equipment and storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a payment channel determining method, a payment channel determining device, payment channel determining equipment and a storage medium. The method comprises the following steps: determining a channel mode of the exchange service to be processed; if the channel mode is a non-real-time service mode without a specified route, determining the priority of at least one candidate payment channel; and selecting a target payment channel from the candidate payment channels according to the priority for processing the to-be-processed exchange service. The embodiment of the invention realizes the intelligent distribution of the payment channel.
Description
Technical Field
The embodiment of the invention relates to the technical field of internet application, in particular to a payment channel determining method, device, equipment and storage medium.
Background
With the continuous development of internet technology, the processing of bank exchange business is increasing day by day. At present, in the exchange business processing process in the banking field, a corresponding payment channel is generally required to be allocated for the exchange business.
The prior art generally adopts a mode of presetting or randomly selecting a payment channel, and cannot automatically determine the corresponding payment channel aiming at different exchange services.
Disclosure of Invention
The invention provides a payment channel determination method, device, equipment and storage medium, which are used for realizing intelligent distribution of payment channels.
In a first aspect, an embodiment of the present invention provides a payment channel determining method, including:
determining a channel mode of the exchange service to be processed;
if the channel mode is a non-real-time service mode without a specified route, determining the priority of at least one candidate payment channel;
and selecting a target payment channel from the candidate payment channels according to the priority for processing the to-be-processed exchange service.
In a second aspect, an embodiment of the present invention further provides a payment channel determining apparatus, where the apparatus includes:
the mode determining module is used for determining a channel mode of the exchange service to be processed;
the priority determining module is used for determining the priority of at least one candidate payment channel if the channel mode is a non-real-time service mode without a specified route;
and the channel selection module is used for selecting a target payment channel from the candidate payment channels according to the priority and processing the to-be-processed exchange service.
In a third aspect, an embodiment of the present invention further provides a payment channel determination device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the program to implement any one of the payment channel determination methods provided in the embodiments of the first aspect.
In a fourth aspect, the embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the program, when executed by a processor, implements any one of the payment channel determination methods provided in the embodiments of the first aspect.
The embodiment of the invention determines the channel mode of the exchange service to be processed, and determines the priority of each candidate payment channel when the channel mode of the exchange service to be processed is a non-real-time service mode without a specified route, thereby realizing the automatic selection of the target payment channel based on the priority without manual specification or random selection, improving the matching degree of the target payment channel and the exchange service to be processed, improving the processing efficiency of the exchange service to be processed and further improving the satisfaction degree of users.
Drawings
Fig. 1 is a flowchart of a payment channel determining method according to a first embodiment of the present invention;
fig. 2 is a flowchart of a payment channel determining method in the second embodiment of the present invention;
fig. 3 is a flowchart of a payment channel determining method in the third embodiment of the present invention;
fig. 4 is a schematic structural diagram of a payment channel determining apparatus in the fourth embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device in the fifth embodiment of the present invention.
Detailed Description
The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the application and are not limiting of the application. It should be further noted that, for the convenience of description, only some of the structures related to the present application are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a flowchart of a payment channel determining method according to an embodiment of the present invention, where the method is applicable to a case of intelligently determining a payment channel, and the method may be executed by a payment channel determining apparatus, and the apparatus may be implemented in a software and/or hardware manner. As shown in fig. 1, the method specifically includes the following steps:
and S110, determining a channel mode of the exchange service to be processed.
The transfer service may refer to a service in which a sender requests a bank to pay money to a receiver. The exchange service to be processed is the exchange service to be processed at this time. The channel schema may include at least one of an unspecified routing schema and a specified routing schema and the like. The designated routing mode may be a channel mode of a route designated by the user when the user initiates the exchange service based on the initiating system; the unspecified route mode may be a channel mode in which the user does not specify a route based on the initiating system when initiating the exchange service. The unspecified route mode may further include a non-real-time service mode of an unspecified route or a real-time service mode of an unspecified route, etc. according to the requirement of real-time performance of service processing.
Specifically, the initiating system may be a bank payment system, and may include at least one of a mobile banking system, an internet banking system, a website platform, and other payment systems.
S120, if the channel mode is a non-real-time service mode without a specified route, determining the priority of at least one candidate payment channel.
The Payment channel may include at least one of a High Value Payment System (HVPS), a small batch Payment System (BEPS), an online Payment inter-bank clearing System (IBPS), a unionpay Payment, and an online Payment. The non-real-time traffic mode of the unspecified route may be a traffic mode in which the payment channel is unspecified by the initiating system and no real-time processing is required.
Optionally, the priority may be determined by a technician according to a channel mode corresponding to the candidate payment channel, so that the priority of the candidate payment channel may be determined according to the channel mode. Or alternatively, the priority may be determined in the following manner: and screening the payment channels according to the limited relation between the payment channels and the initiating system and the service types to determine candidate payment channels and further determine the priority of the candidate payment channels.
In an optional embodiment, the at least one candidate payment channel is determined by: determining an available payment channel list according to the initiating system identifier and the service type of the exchange service to be processed; determining the at least one candidate payment channel according to each available payment channel in the list of available payment channels.
The initiating system identifier may be an identifier manually preset according to different initiating systems, and the initiating system identifiers corresponding to different initiating systems are different, for example, the initiating system identifier of "mobile banking" may be set to "1", the initiating system identifier of "internet banking system" may be set to "2", the initiating system identifier of a website platform "may be set to" 3", and the like.
The type of transaction is determined according to industry standards, for example, the type of transaction may include at least one of a general transfer, a cash transfer, a commission collection, a commercial draft, and the like. The list of available payment channels includes at least one candidate payment channel, the list of available payment channels being associated with the initiating system identification and the type of service. The relationship between the list of available payment channels and the identity of the initiating system and the type of service may be set by the technician on his or her own as desired.
In a specific implementation, if the originating system identifier is "1" and the service type is "normal remittance", the corresponding available payment channel list is "A1"; if the initiating system identifier is '1' and the service type is 'cash remittance', the corresponding available payment channel list is 'A2'; if the initiating system identifier is '2' and the service type is 'ordinary exchange', the corresponding available payment channel list is 'B1' and the like.
Optionally, any available payment channel in the available payment channel list corresponds to a group number, wherein the group number may be set manually. The setting standard body of the group number may be set according to the degree of the limitation condition of the available payment channel. The larger the limiting condition degree of the available payment channel is, the larger the corresponding group number is; the smaller the degree of qualification, the smaller the corresponding group number. The size of the degree of the condition defining the available payment channel may be determined according to an artificial experience value or an experimental value. Illustratively, the BEPS corresponding group number may be 1; the HVPS counterpart group number may be 2, etc.
Optionally, at least one candidate payment channel is determined according to a relationship between a corresponding group number of each available payment channel in the available payment channel list and a preset threshold. The preset threshold value may be set manually by a technician according to an empirical value or an experimental value. For example, the preset threshold may be set to 5. Illustratively, a corresponding group number of each available payment channel in the available payment channel list is determined, and an available payment channel with the group number smaller than a preset threshold value is screened out to serve as a candidate payment channel.
Specifically, the available payment channel list has a corresponding relationship with the initiating system identifier and the service type, and the only available payment channel list can be determined according to the initiating system identifier and the service type of the exchange service to be processed; at least one candidate payment channel is determined by screening each available payment channel in the list of available payment channels. The optional embodiment determines the payment available channel list through the corresponding relation between the initiating system identification and the service type of the exchange service to be processed and the available payment channel list; and determining at least one candidate payment channel according to each available payment channel in the available payment channel list, so that the accuracy of the candidate payment channel determination result is improved.
In an optional embodiment, the determining the at least one candidate payment channel from each available payment channel in the list of available payment channels comprises: if the limited available payment channels with limited conditions exist in the available payment channel list, screening each available payment channel in the available payment channel list according to the service parameters of the summary service to be processed and the limited conditions of each limited available payment channel; and determining the at least one candidate payment channel according to the screening result.
The service parameters of the pending exchange service may include at least one of an exchange method, an exchange amount, or an account type of the exchange service. Illustratively, the exchange means may be at least one of cash or money transfer; the account number type may be at least one of a bankcard or passbook, etc. The limitation limiting the available payment channels may include at least one of a limitation on an amount of the exchange, a limitation on availability of the channels, a limitation on an exchange time, or other limitation.
Specifically, there are conditional limited available payment channels in the list of available payment channels, and no conditional limited unlimited available payment channels. Wherein the unlimited available payment channel can be directly used as the candidate payment channel. Different available payment channels are defined in the available payment channel list, corresponding definition conditions are different, and the definition conditions and the service parameters of the to-be-processed exchange service have corresponding relations. For example, if the exchange amount of the summary service to be processed is 80 ten thousand, the list of available payment channels may include a definition of the available payment channels, which may be, for example, BEPS. The BEPS may be defined to have a limit of 50 ten thousand, and then the BEPS may be defined to have a limit of 50 ten thousand for the available payment channel, and limit the exchange service with an exchange amount of 80 ten thousand, that is, the BEPS may not satisfy the screening condition and may not be used as a candidate payment channel.
Specifically, if the limited available payment channel with the limited condition exists in the available payment channel list, screening each available payment channel in the available payment channel list according to the service parameter of the to-be-processed exchange service and the limited condition of each limited available payment channel; and determining at least one candidate payment channel according to the screening result. The optional embodiment screens each available payment channel in the available payment channel list through the relationship between the service parameter of the exchange service and the limiting condition limiting each available payment channel, so as to determine the candidate payment channel, and the method improves the accuracy of determining the candidate payment channel.
And S130, selecting a target payment channel from the candidate payment channels according to the priority for processing the to-be-processed exchange service.
Specifically, according to the priorities of the candidate payment channels determined in S120, a payment channel with the highest priority is selected from the candidate payment channels as the target payment channel. And processing the to-be-processed exchange service through the target payment channel.
Optionally, the payment channel with the higher priority is preferentially selected as the target payment channel, if the acquisition of the payment channel with the higher priority fails, the payment channel with the higher priority is continuously selected from the remaining candidate payment channels to serve as the target payment channel, and so on until the exchange service to be processed is successfully processed.
In an optional embodiment, before the determining the priority of the at least one candidate payment channel, the method further comprises: determining whether the to-be-processed exchange service is an urgent service; and if so, selecting the urgent route payment channel as a target payment channel.
Specifically, the emergency service may be determined by the user of the initiating system. When the user initiates the exchange service through the initiating system, the user can select whether to process the emergency according to the emergency degree of the service. The emergency service initiated by the user has a corresponding identifier, the emergency degree of the service initiated by the user is determined according to the emergency service identifier, and the corresponding emergency route payment channel is determined as a target payment channel according to the emergency degree of the service. It should be noted that the emergency processing may set at least one emergency mode according to different emergency degrees, and correspondingly, different emergency modes correspond to different emergency service identifiers. For example, the urgent mode may include a normal urgent mode and an urgent mode; correspondingly, a common emergency mark and an emergency mark are correspondingly arranged.
If the exchange service initiated by the user is the non-urgent service, S130 is executed. And if the exchange service initiated by the user is an urgent service, selecting a corresponding urgent route payment channel as a target payment channel according to the identified urgent service identifier. The urgent route payment channel can be a fixed payment channel preset manually. Wherein the number of the fixed payment channels may be at least one.
The optional embodiment provides a solution way for the exchange service to be processed to the urgent or urgent service by setting the urgent route payment channel, realizes effective processing of the urgent service sent by the user, and provides convenience for processing the urgent exchange service of the user.
In the embodiment, the channel mode of the exchange service to be processed is determined, and when the channel mode of the exchange service to be processed is a non-real-time service mode without a specified route, the priority of each candidate payment channel is determined, so that the target payment channel is automatically selected based on the priority without manual specification or random selection, the matching degree of the target payment channel and the exchange service to be processed is improved, the processing efficiency of the exchange service to be processed is improved, and the satisfaction degree of users is improved.
Example two
Fig. 2 is a flowchart of a payment channel determining method according to a second embodiment of the present invention, and the present embodiment is based on the above-mentioned embodiment and performs optimization and improvement.
Further, the operation of determining the priority of at least one candidate payment channel is refined into the operation of determining historical exchange service data associated with the exchange service to be processed, historical time cost data and historical service cost data under the candidate payment channel aiming at each candidate payment channel; and determining the priority of the exchange service to be processed under the candidate payment channel according to the historical time cost data and the historical service cost data so as to perfect the determination mode of the priority of the candidate payment channel.
As shown in fig. 2, the method includes the following specific steps:
and S210, determining a channel mode of the exchange service to be processed.
And S220, if the channel mode is a non-real-time service mode without a specified route, determining historical exchange service data associated with the exchange service to be processed, historical time cost data and historical service cost data in the candidate payment channel aiming at each candidate payment channel.
The historical exchange service data associated with the to-be-processed exchange service can be the same as or higher in similarity to the to-be-processed exchange service. The historical time cost data may refer to the time occupied by the payment system from the initiation of the service to the termination of the service in the historical exchange service. The longer the payment system is occupied, the higher the time cost is; the shorter the time taken up the payment system, the lower the cost of time. The historical business cost data may include at least one of cross-bank exchange business commission expenditure, exchange loss, and business expense data.
Specifically, if the channel mode is a non-real-time service mode without a specified route, historical exchange service data associated with the exchange service to be processed is determined according to each candidate payment channel, and the historical exchange service data can include historical time cost data and historical service cost data.
In an alternative embodiment, the historical exchange transaction data associated with the pending exchange transaction is determined by: determining similar exchange service of the exchange service to be processed according to at least one of the initiating system identification, the user account number type and the opposite party bank number of the exchange service to be processed; and taking the historical exchange service data of the similar exchange service as historical exchange service data associated with the to-be-processed exchange service.
Illustratively, a similar exchange transaction for the pending exchange transaction is determined based on at least one of an originating system identification, a user account type, and an opposite party line number for the pending exchange transaction. The similar exchange service and at least one of an initiating system identification, a user account type, an opposite party bank number and the like of the exchange service to be processed have a consistency relationship. Specifically, the consistency relationship may be presented in at least one of the following ways: the initiating system identification and the user account number type of the similar exchange service are consistent with the exchange service to be processed; and the counterpart line number of the similar exchange service is consistent with the exchange service to be processed. And taking the historical exchange service data of the similar exchange service as the historical exchange service data associated with the exchange service to be processed.
It can be understood that, the technical scheme provides data support for determining the priority level of each candidate payment channel by determining the similar exchange service of the exchange service to be processed and determining the historical exchange data of the exchange service to be processed according to the historical exchange service data of the similar exchange service. In addition, the similar exchange service is introduced to determine the priority of the exchange service to be processed in each candidate payment channel, so that the richness of reference basis of priority determination is improved, and the accuracy of the priority determination result is further improved.
And S230, determining the priority of the exchange service to be processed in the candidate payment channel according to the historical time cost data and the historical service cost data.
Specifically, historical exchange service data associated with the exchange service to be processed is determined through S220, wherein the historical exchange service data associated with the exchange service to be processed comprises historical time cost data and historical service cost data associated with the exchange service to be processed; and determining the priority of the exchange service to be processed in each candidate payment channel according to the historical time cost data and the historical service cost data of the exchange service to be processed. The lower the historical time cost data is, the higher the priority of the candidate payment channel is; the higher the historical time cost data, the lower the priority of the candidate payment channel. The lower the historical business cost data is, the higher the priority of the candidate payment channel is; the higher the historical business cost data, the lower the priority of the candidate payment channel.
In an optional embodiment, the determining the priority of the pending exchange service in the candidate payment channel according to the historical time cost data and the historical service cost data includes: determining time cost data of the exchange service to be processed under the candidate payment channel according to the historical time cost data; determining the service cost data of the exchange service to be processed under the candidate payment channel according to the historical service cost data; and determining the priority of the exchange service to be processed under the candidate payment channel according to the time cost data and the service cost data.
Specifically, time cost data of the exchange service to be processed under the candidate payment channel is determined according to historical time cost data; and determining the service cost data of the exchange service to be processed in the candidate payment channel according to the historical service cost data. Optionally, the exchange service to be processed may adopt historical time cost data, and calculate the time cost data in the candidate payment channel by an averaging method; the exchange service to be processed can adopt historical service data, and the service cost data under the candidate payment channel is calculated through an averaging method.
Illustratively, if the historical exchange service data S includes n pieces of historical exchange service data under the candidate payment channel. Wherein S is t ＝{t 1 ,t 2 ,…,t n The historical time cost data of the n historical exchange service data are represented, and the time cost data of the exchange service to be processed on the candidate payment channel is calculated by an averaging method as follows:
wherein, t i Representing the historical time of the ith historical exchange service dataCost data.
Illustratively, if the historical exchange service data S includes n pieces of historical exchange service data under the candidate payment channel, wherein S b ＝{b 1 ,b 2 ,…,b n And the historical service cost data in a set dimension in the n pieces of historical exchange service data is represented, for example, the historical service cost data of the exchange loss service can be represented. Calculating the service cost data of the exchange service to be processed on the candidate payment channel by using an averaging method as follows:
wherein, b i And the historical service cost data of the ith historical exchange service data in the set dimension is shown. Wherein the set dimension comprises at least one of cross-bank exchange business commission support, exchange loss, business expense and the like.
Specifically, if the service cost data of the exchange service to be processed is data of at least one dimension, the added service cost data can be used as the target service cost data by adding the service cost data of each dimension; or weights may be set for the service cost data of each dimension and then added, and the data obtained by the addition may be used as the target service cost data, which is not limited in this embodiment.
Specifically, the time cost data set of the exchange service to be processed in each candidate payment channel obtained through the calculation is
Service cost data set is combined into->
Wherein it is present>
Time cost data representing a jth candidate payment channel @>
Business cost data representing a jth candidate payment channel; m represents the total number of candidate payment channels.
Optionally, in order to eliminate the influence of the dimension between the data and reduce the fluctuation amplitude of the data, the time cost data set and the service cost data set are normalized.
For example, the time cost data normalization and the service cost data normalization may be processed as follows:
normalizing the time cost data:
wherein the content of the first and second substances,
and the normalized time cost data corresponding to the jth candidate payment channel.
Normalizing the service cost data:
wherein the content of the first and second substances,
and the normalized business cost data corresponding to the jth candidate payment channel.
Specifically, the priority of the candidate payment channel is calculated according to the normalized time cost data and service cost data of the exchange service to be processed. Illustratively, under the candidate payment channel, the time cost data and the business cost data of the pending exchange business are summed. The smaller the value obtained by summation is, the higher the priority of the candidate payment channel is; the larger the summed value, the lower the priority of the candidate payment channel. For example, the priority of the candidate payment channel may be determined by performing weight setting on the time cost data and the service cost data of the exchange service to be processed, and performing summation calculation according to the set weights to obtain the priority of the candidate payment channel. The method for calculating the priority of the candidate payment channel according to the weight comprises the following steps:
wherein λ represents weight, which can be set by human, λ ∈ [0,1 ]]；p j Represents the priority of the jth candidate payment channel, j is equal to {0,1,2, …, m }.
In the optional embodiment, the priority of the exchange service to be processed under the candidate payment channel is determined by adopting a mode of determining historical time cost data and historical service cost data by adopting a mean value calculation method; the historical time cost data and the historical service cost data are subjected to normalization processing, so that the fluctuation of the data is reduced, and the accuracy of determining the priority of the candidate payment channel is improved.
And S240, selecting a target payment channel from the candidate payment channels according to the priority for processing the to-be-processed exchange service.
In the scheme of the embodiment, the priority of the exchange service to be processed under the candidate payment channel is determined according to the historical time cost data and the historical service cost data by determining the historical exchange service data associated with the exchange service to be processed. The accuracy of candidate payment channel priority determination is improved.
EXAMPLE III
Fig. 3 is a flowchart of a payment channel determining method according to a third embodiment of the present invention, and the present embodiment is based on the above-mentioned embodiments and is optimized and improved.
Further, the operation is 'determined to be the channel mode of the exchange service to be processed'; if the channel mode is a non-real-time service mode without a specified route, determining the priority of at least one candidate payment channel; according to the priority, selecting a target payment channel from the candidate payment channels for processing the to-be-processed exchange service, and adding to determine the starting state of a preset routing payment channel associated with the payment channel associated mode if the channel mode is the payment channel associated mode; and controlling to select the preset route payment channel as the target payment channel according to the opening state so as to perfect the determination of the target payment channel of other channel modes.
As shown in fig. 3, the method includes the following specific steps:
and S310, determining a channel mode of the exchange service to be processed.
S320, if the channel mode is the payment channel association mode, determining the starting state of the preset routing payment channel associated with the payment channel association mode.
Wherein, the payment channel association mode can be a mode of a user-specified route of the initiating system; or a real-time traffic pattern in which the originating system belongs to a user that does not specify a route.
Specifically, if the channel mode is a payment channel association mode, determining a preset route payment channel associated with the payment channel association mode; and detecting whether the preset route payment channel is in a route list supported by the initiating system, and if the preset route payment channel is in the route list supported by the initiating system, detecting whether the safety of the preset route payment channel passes. And if the preset route payment channel is not in the route list supported by the initiating system, the preset route payment channel fails to be acquired.
Wherein, the detection of the security of the preset routing payment channel may include: whether the bank of the opposite party records in the pending exchange service and whether the pending exchange service types corresponding to the receiving and sending parties are matched. If the bank of the opposite party has records in the authority and can match the corresponding exchange service to be processed, the security is considered to pass; if the bank of the opposite side does not have a record in the authority or cannot match the corresponding remittance service to be processed, the security is considered to be failed. And if the safety detection of the preset route payment channel passes, determining the starting state of the preset route payment channel. And if the security detection of the preset route payment channel fails, determining that the preset route payment channel fails to be acquired.
In an optional embodiment, the payment channel association pattern is a designated routing service; correspondingly, the preset route payment channel is a route payment channel appointed by the user.
In another optional embodiment, the payment channel association mode is a real-time traffic mode without a specified route; correspondingly, the preset route payment channel is a real-time route payment channel.
Illustratively, if the payment channel association mode is the designated routing service and the preset routing payment channel is the routing payment channel designated by the user, determining the starting state of the routing payment channel designated by the user. And if the payment channel association mode is a real-time service mode without the appointed route and the preset route payment channel is the real-time route payment channel, determining the starting state of the real-time route payment channel. The real-time service mode can be labeled by the user of the initiating system when initiating the service. Optionally, the payment channel is determined in real time according to characteristics of the payment channels. For example, the IBPS may be preferentially set as a real-time routing payment channel.
S330, controlling and selecting the preset route payment channel as the target payment channel according to the starting state.
Illustratively, the selection of the preset route payment channel as the target payment channel is controlled according to the opening state of the preset route payment channel determined by S320. The opening state of the preset routing payment channel can be opened or closed.
Optionally, the opening state of the preset route payment channel may be determined according to the preset identifier. The preset identification can be set manually, and the preset identifications of different preset route payment channels are different. Or optionally, the opening state of the preset routing payment channel can be determined according to the payment success rate of the historical exchange service in the adjacent historical time period. If the payment success rate is smaller than a preset threshold value, the opening state is considered as closed; and if the payment success rate is greater than the preset threshold value, the starting state is considered as starting. The preset threshold may be set by a technician according to an empirical value or an experimental value, and may be, for example, 40%.
In an optional embodiment, the controlling of selecting the preset route payment channel as the target payment channel according to the starting state includes: if the starting state is starting, selecting the preset route payment channel as the target payment channel; and if the opening state is closed, selecting a similar payment channel of the preset route payment channel as the target payment channel.
Specifically, if the opening state of the preset route payment channel is open, the preset route payment channel is selected as the target payment channel. And if the opening state of the preset route payment channel is closed, selecting a similar payment channel of the preset route payment channel as the target payment channel. And determining a target channel according to the opening state of the preset route payment channel. And if the opening state of the preset route payment channel is closed, determining the similar payment channel as the target payment channel. The target payment channel is determined in an intelligent mode.
In an optional embodiment, the similar payment channel of the preset routing payment channel may be determined by: taking the available payment channel with the account arrival time difference value smaller than a preset time threshold value with the preset route payment channel as a similar payment channel of the preset route payment channel; and/or taking the available payment channel with the payment limit difference value of the preset route payment channel smaller than the preset limit threshold value as a similar payment channel of the preset route payment channel.
For example, the determination manner of the similar payment channel of the preset routing payment channel may be: and taking the available payment channel with the account arrival time difference value between the similar payment channel and the preset route payment channel smaller than the preset time threshold value as the similar payment channel of the preset route payment channel. The preset time threshold may be determined by a person according to an empirical value or an experimental value, and may be 1 minute, for example. For example, if the account arrival time of the preset routing payment channel is 30 seconds, the account arrival time of the available payment channel is 50 seconds, and the difference between the account arrival time of the available payment channel and the account arrival time of the preset routing payment channel is 20 seconds, which is smaller than the preset time threshold, the available payment channel can be used as the similar payment channel. And if the difference value of the account arrival time of the available payment channel and the preset route payment channel is greater than or equal to the preset time threshold, continuing to screen until a similar payment channel is screened out.
Optionally, the determination method of the similar payment channel of the preset route payment channel may also be: and taking the available payment channel with the payment limit difference value smaller than the preset limit threshold value with the preset route payment channel as a similar payment channel of the preset route payment channel. The preset quota threshold may be determined by human, empirical or experimental values, and may be, for example, 50 thousands. For example, if the payment limit of the preset routing payment channel is 150 thousands, the payment limit of the available payment channel is 12 thousands, and the difference value between the payment limit of the available payment channel and the payment limit of the preset routing payment channel is 20 thousands, which is smaller than the payment limit threshold, the available payment channel can be used as the similar payment channel. And if the difference value of the payment limit of the available payment channel and the preset route payment channel is greater than or equal to the preset limit threshold value, continuing to screen until a similar payment channel is screened out.
The optional embodiment realizes that the user can not sense the exchange service, namely can not sense the switching between the payment channels by determining the similar payment channel mode of the preset route payment channel.
S340, if the channel mode is a non-real-time service mode without a specified route, determining the priority of at least one candidate payment channel.
And S350, selecting a target payment channel from the candidate payment channels according to the priority for processing the to-be-processed exchange service.
According to the embodiment of the invention, the preset route payment channel is controlled to be selected as the target payment channel by determining the starting state of the preset route payment channel associated with the payment association mode, so that the target payment channel is acquired in the payment channel association mode. The intelligent distribution of the payment channels is realized by reasonably configuring the mode of acquiring the target payment channels by each channel mode. In addition, the technical scheme integrates the target payment channel selection modes in different channel modes, realizes that different payment channels are called by adopting a unified interface, improves the stability and timeliness of the processing process of the to-be-processed exchange service, and further improves the use experience of a user.
Example four
Fig. 4 is a schematic structural diagram of a payment channel determining apparatus according to a fourth embodiment of the present invention. The payment channel determining device provided by the embodiment of the invention can execute the payment channel determining method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the executing method. The device may be implemented in software and/or hardware, and as shown in fig. 4, the payment channel determining device specifically includes: a mode determination module 410, a priority determination module 420, and a channel selection module 430.
The mode determining module 410 is configured to determine a channel mode of the to-be-processed exchange service;
a priority determining module 420, configured to determine a priority of at least one candidate payment channel if the channel mode is a non-real-time service mode without a specified route;
and the channel selection module 430 is configured to select a target payment channel from the candidate payment channels according to the priority for processing the to-be-processed exchange service.
In the embodiment, the channel mode of the exchange service to be processed is determined, and when the channel mode of the exchange service to be processed is a non-real-time service mode without a specified route, the priority of each candidate payment channel is determined, so that the target payment channel is automatically selected based on the priority without manual specification or random selection, the matching degree of the target payment channel and the exchange service to be processed is improved, the processing efficiency of the exchange service to be processed is improved, and the satisfaction degree of users is improved.
Optionally, the mode determining module 410 includes:
the data determining unit is used for determining historical exchange service data related to the exchange service to be processed, historical time cost data and historical service cost data under the candidate payment channel aiming at each candidate payment channel;
and the priority determining unit is used for determining the priority of the exchange service to be processed under the candidate payment channel according to the historical time cost data and the historical service cost data.
Optionally, the priority determining unit is specifically configured to:
determining time cost data of the exchange service to be processed under the candidate payment channel according to the historical time cost data;
determining the service cost data of the exchange service to be processed under the candidate payment channel according to the historical service cost data;
and determining the priority of the exchange service to be processed under the candidate payment channel according to the time cost data and the service cost data.
Optionally, the priority determining module 420 includes:
the channel list determining unit is used for determining an available payment channel list according to the initiating system identifier and the service type of the exchange service to be processed;
a payment channel determining unit, configured to determine the at least one candidate payment channel according to each available payment channel in the available payment channel list.
Optionally, the payment channel determining unit is specifically configured to:
if the limited available payment channels with limited conditions exist in the available payment channel list, screening each available payment channel in the available payment channel list according to the service parameters of the summary service to be processed and the limited conditions of each limited available payment channel;
and determining the at least one candidate payment channel according to the screening result.
Optionally, the data determining unit is specifically configured to:
determining similar exchange service of the to-be-processed exchange service according to at least one of the initiating system identification, the user account number type and the opposite bank number of the to-be-processed exchange service;
and taking the historical exchange service data of the similar exchange service as historical exchange service data associated with the to-be-processed exchange service.
Optionally, before the priority determining module 420, the method includes:
an urgent service determination module, configured to determine whether the summary service to be processed is an urgent service;
and the channel determining module is used for judging whether the emergency service is the emergency service or not, and if so, selecting the emergency route payment channel as the target payment channel.
Optionally, the mode determining module 410 further includes:
the state starting module is used for determining the starting state of a preset routing payment channel associated with the payment channel association mode if the channel mode is the payment channel association mode;
and the routing control module is used for controlling and selecting the preset routing payment channel as the target payment channel according to the starting state.
Optionally, the routing control module is specifically configured to:
if the starting state is starting, selecting the preset route payment channel as the target payment channel;
and if the opening state is closed, selecting a similar payment channel of the preset route payment channel as the target payment channel.
Optionally, the routing control module is specifically configured to:
the payment channel association mode is a designated routing service; correspondingly, the preset route payment channel is a route payment channel appointed by the user;
the payment channel association mode is a real-time service mode without a specified route; correspondingly, the preset route payment channel is a real-time route payment channel.
Optionally, the routing control module is specifically configured to:
taking the available payment channel with the account arrival time difference value smaller than a preset time threshold value with the preset route payment channel as a similar payment channel of the preset route payment channel; and/or the presence of a gas in the gas,
and taking the available payment channel with the payment limit difference value of the preset route payment channel smaller than a preset limit threshold value as a similar payment channel of the preset route payment channel.
The payment channel determining device can execute the payment channel determining method provided by any embodiment of the application, and has the corresponding functional modules and beneficial effects of executing each payment channel determining method.
EXAMPLE five
Fig. 5 is a schematic structural diagram of a computer apparatus according to a fifth embodiment of the present invention, as shown in fig. 5, the computer apparatus includes a processor 510, a memory 520, an input device 530, and an output device 540; the number of processors 510 in the device may be one or more, and one processor 510 is taken as an example in fig. 5; the processor 510, memory 520, input device 530, and output device 540 in the apparatus may be connected by a bus or other means, as exemplified by a bus connection in fig. 5.
The memory 520, which is a computer-readable storage medium, may be used to store software programs, computer-executable programs, and modules, such as program instructions/modules (the mode determining module 410, the priority determining module 420, and the channel selecting module 430) corresponding to the payment channel determining method in the embodiments of the present invention. The processor 510 executes various functional applications of the device and data processing by executing software programs, instructions, and modules stored in the memory 520, that is, implements the above-described payment channel determination method.
The memory 520 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal (an exchange service, a channel model, a candidate payment channel, a target payment channel, etc., as related to the aforementioned embodiments), and the like. Further, memory 520 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 520 can further include memory located remotely from the processor 510, which can be connected to devices through a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 530 may be used to receive input numeric or character information and generate signal inputs related to user settings and function control of the apparatus. The output device 540 may include a display device such as a display screen.
EXAMPLE six
An embodiment of the present invention further provides a storage medium containing computer-executable instructions, which when executed by a computer processor, perform a payment channel determination method, the method including:
determining a channel mode of the exchange service to be processed;
if the channel mode is a non-real-time service mode without a specified route, determining the priority of at least one candidate payment channel;
and selecting a target payment channel from the candidate payment channels according to the priority for processing the to-be-processed exchange service.
Of course, the storage medium provided by the embodiment of the present invention includes computer-executable instructions, and the computer-executable instructions are not limited to the operations of the method described above, and may also perform related operations in the payment channel determination method provided by any embodiment of the present invention.
From the above description of the embodiments, it is obvious for those skilled in the art that the embodiments of the present invention can be implemented by software and necessary general hardware, and certainly can be implemented by hardware, but the former is a better implementation mode in many cases. Based on such understanding, the technical solutions of the embodiments of the present invention may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions to make a computer device (which may be a personal computer, a server, or a network device) perform the methods described in the embodiments of the present invention.
It should be noted that, in the embodiment of the payment channel determining apparatus, the units and modules included in the embodiment are only divided according to functional logic, but are not limited to the above division as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the embodiment of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present application and the technical principles employed. It will be understood by those skilled in the art that the present application is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the application. Therefore, although the present application has been described in more detail with reference to the above embodiments, the present application is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present application, and the scope of the present application is determined by the scope of the appended claims.
Claims (13)
1. A payment channel determination method, comprising:
determining a channel mode of the exchange service to be processed;
if the channel mode is a non-real-time service mode without a specified route, determining the priority of at least one candidate payment channel;
according to the priority, selecting a target payment channel from the candidate payment channels for processing the to-be-processed exchange service;
the determining the priority of at least one candidate payment channel comprises:
for each candidate payment channel, determining historical exchange service data associated with the exchange service to be processed, historical time cost data and historical service cost data under the candidate payment channel;
determining the priority of the exchange service to be processed under the candidate payment channel according to the historical time cost data and the historical service cost data;
if the channel mode is a payment channel association mode, determining a preset route payment channel associated with the payment channel association mode;
detecting whether the preset route payment channel is in a route list supported by an initiating system, and if the preset route payment channel is in the route list supported by the initiating system, detecting whether the safety of the preset route payment channel passes;
if the preset route payment channel is not in the route list supported by the initiating system, the preset route payment channel fails to be acquired;
if the security detection of the preset route payment channel passes, determining the starting state of the preset route payment channel associated with the payment channel association mode;
and controlling to select the preset route payment channel as the target payment channel according to the opening state.
2. The method of claim 1, wherein determining the priority of the pending exchange transaction under the candidate payment channel based on the historical temporal cost data and the historical transaction cost data comprises:
determining time cost data of the exchange service to be processed under the candidate payment channel according to the historical time cost data;
determining the service cost data of the exchange service to be processed under the candidate payment channel according to the historical service cost data;
and determining the priority of the exchange service to be processed under the candidate payment channel according to the time cost data and the service cost data.
3. The method of claim 1, wherein the at least one candidate payment channel is determined by:
determining an available payment channel list according to the initiating system identifier and the service type of the exchange service to be processed;
determining the at least one candidate payment channel according to each available payment channel in the list of available payment channels.
4. The method of claim 3, wherein determining the at least one candidate payment channel from each available payment channel in the list of available payment channels comprises:
if the limited available payment channels with limited conditions exist in the available payment channel list, screening each available payment channel in the available payment channel list according to the service parameters of the summary service to be processed and the limited conditions of each limited available payment channel;
and determining the at least one candidate payment channel according to the screening result.
5. The method of claim 1, wherein the historical exchange transaction data associated with the pending exchange transaction is determined by:
determining similar exchange service of the to-be-processed exchange service according to at least one of the initiating system identification, the user account number type and the opposite bank number of the to-be-processed exchange service;
and taking the historical exchange service data of the similar exchange service as the historical exchange service data associated with the to-be-processed exchange service.
6. The method of any one of claims 1-4, wherein prior to said determining the priority of at least one candidate payment channel, the method further comprises:
determining whether the summary service to be processed is an urgent service;
and if so, selecting the urgent route payment channel as a target payment channel.
7. The method according to any one of claims 1-4, further comprising:
if the channel mode is a payment channel association mode, determining the starting state of a preset routing payment channel associated with the payment channel association mode;
and controlling to select the preset route payment channel as the target payment channel according to the opening state.
8. The method as claimed in claim 7, wherein the controlling the selection of the preset routing payment channel as the target payment channel according to the on-state comprises:
if the starting state is starting, selecting the preset route payment channel as the target payment channel;
and if the opening state is closed, selecting a similar payment channel of the preset route payment channel as the target payment channel.
9. The method of claim 7, wherein the payment channel association schema is a designated routing traffic; correspondingly, the preset route payment channel is a route payment channel appointed by the user;
the payment channel association mode is a real-time service mode without a specified route; correspondingly, the preset route payment channel is a real-time route payment channel.
10. The method of claim 8, wherein the similar payment channel of the pre-routed payment channels is determined by:
taking the available payment channel with the account arrival time difference value smaller than a preset time threshold value with the preset route payment channel as a similar payment channel of the preset route payment channel; and/or the presence of a gas in the gas,
and taking the available payment channel with the payment limit difference value of the preset route payment channel smaller than a preset limit threshold value as a similar payment channel of the preset route payment channel.
11. A payment channel determining apparatus, comprising:
the mode determining module is used for determining a channel mode of the exchange service to be processed;
the priority determining module is used for determining the priority of at least one candidate payment channel if the channel mode is a non-real-time service mode without a specified route;
the channel selection module is used for selecting a target payment channel from the candidate payment channels according to the priority and processing the to-be-processed exchange service;
a priority determining unit to: determining time cost data of the exchange service to be processed under the candidate payment channel according to the historical time cost data; determining the service cost data of the exchange service to be processed under the candidate payment channel according to the historical service cost data; determining the priority of the exchange service to be processed under the candidate payment channel according to the time cost data and the service cost data;
if the channel mode is a payment channel association mode, determining a preset route payment channel associated with the payment channel association mode;
detecting whether the preset route payment channel is in a route list supported by an initiating system, and if the preset route payment channel is in the route list supported by the initiating system, detecting whether the safety of the preset route payment channel passes;
if the preset route payment channel is not in the route list supported by the initiating system, the preset route payment channel fails to be acquired;
if the security detection of the preset route payment channel passes, determining the starting state of the preset route payment channel associated with the payment channel association mode;
and controlling to select the preset route payment channel as the target payment channel according to the opening state.
12. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the payment channel determination method as claimed in any one of claims 1-10.
13. A computer-readable storage medium, on which a computer program is stored, the program, when being executed by a processor, implementing the payment channel determination method according to any one of claims 1 to 10.
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