CN114782035A - Bank unified payment method based on distribution - Google Patents
Bank unified payment method based on distribution Download PDFInfo
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- CN114782035A CN114782035A CN202210408605.9A CN202210408605A CN114782035A CN 114782035 A CN114782035 A CN 114782035A CN 202210408605 A CN202210408605 A CN 202210408605A CN 114782035 A CN114782035 A CN 114782035A
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- 238000000034 method Methods 0.000 title claims abstract description 27
- 230000010354 integration Effects 0.000 abstract description 4
- 238000012423 maintenance Methods 0.000 description 5
- 238000011161 development Methods 0.000 description 2
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- 230000008569 process Effects 0.000 description 2
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- 238000012986 modification Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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Abstract
The invention provides a bank unified payment method based on distribution, which comprises the following steps: acquiring various service elements sent by a user on a front end; setting a routing rule according to the service element; and calculating by adopting the routing rule, and selecting the payment channel with the highest score to obtain the optimal payment channel. The problem of heterogeneity among payment systems is solved, the complexity of technical integration is reduced, and automatic routing of each payment product system is realized through a uniform service interface.
Description
Technical Field
The invention relates to the field of bank payment, in particular to a bank unified payment method based on distribution.
Background
Along with the domestic financial reform process, the payment channel is diversified more, and the operating efficiency and the bank operation and maintenance cost are tested more while the choices of tellers and clients are increased.
At present, the diversification development of domestic payment channels has the defects that different payment channel message formats, service types, deployment modes and operation and maintenance modes are different, the access modes of all front-end channels are complex, the operation of customers and tellers is complex, and the operation, maintenance and management cost of banks is high.
Disclosure of Invention
In view of the above, the present invention has been developed to provide a distributed based bank unified payment method that overcomes or at least partially solves the above-mentioned problems.
According to one aspect of the invention, a distributed bank-based unified payment method is provided, and the payment method comprises the following steps:
acquiring various service elements sent by a user on a front end;
setting a routing rule according to the service element;
and calculating by adopting the routing rule, and selecting the payment channel with the highest score to obtain the optimal payment channel.
Optionally, the payment method further includes: and calculating the commission amount of the optimal payment channel.
Optionally, the multiple service elements specifically include:
tenant number, payment timeliness, payment priority and payment channel status.
Optionally, the setting a routing rule according to the service element specifically includes:
the routing rule is set in the system according to the service and the requirement of the client;
updating the system state of each payment channel at the back end in real time;
and determining a transaction route according to two dimensions of parameter management and cost accounting.
Optionally, the parameter management specifically includes:
managing tenants, wherein when newly adding tenant information, the back end automatically generates tenant numbers; the front end configures tenant state, tenant quota management and tenant commission;
the tenant quota management only corresponds to one limitation record according to the tenant number, the product number and the limitation type, and one tenant corresponds to a plurality of pieces of limitation information;
channel management, wherein a payment platform can synchronize channel states from each payment channel and perform on-off control on a plurality of payment channels according to the requirement of service routing;
and product management, wherein different payment products can be configured at a management end, and the products are configured with different commission amounts, different tenant permissions and product channel priorities according to the service routing requirements.
Optionally, the cost accounting specifically includes: bank cost accounting and customer commission management.
The invention provides a bank unified payment method based on distribution, which comprises the following steps: acquiring various service elements sent by a user on a front end; setting a routing rule according to the service element; and calculating by adopting the routing rule, and selecting the payment channel with the highest score to obtain the optimal payment channel. The problem of heterogeneity among payment systems is solved, the complexity of technical integration is reduced, and automatic routing of each payment product system is realized through a uniform service interface.
The above description is only an overview of the technical solutions of the present invention, and the present invention can be implemented in accordance with the content of the description so as to make the technical means of the present invention more clearly understood, and the above and other objects, features, and advantages of the present invention will be more clearly understood.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the description below are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural component diagram of a bank payment system provided in an embodiment of the present invention;
fig. 2 is a schematic diagram of an overall architecture of a bank unified payment based on a distributed mode according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
The terms "comprises" and "comprising," and any variations thereof, in the described embodiments of the invention and in the claims and drawings, are intended to cover a non-exclusive inclusion, such as, for example, a list of steps or elements.
The technical solution of the present invention is further described in detail with reference to the accompanying drawings and embodiments.
As shown in fig. 1, the bank unified payment method based on the distributed type integrates access and output of each payment system, solves the problem of heterogeneity of the payment systems, provides a unified service interface for front-end channels, does not need to distinguish services for each payment system, and automatically routes the payment channels through flexible configuration.
As shown in fig. 2, the method is entirely based on a distributed service platform, zookeeper is used as a registration center, application interfaces and routing rules are registered in the registration center, spring is used as a service container for local service, rpc service is called, and zookeeper is matched, so that transverse expansion is realized, concurrency processing capacity is improved, and high availability is realized. Under the distributed addition, the invention integrates the access and the access of each payment system, and realizes intelligent routing.
The unified payment method integrates the characteristics of the lower payment channel and provides a unified service interface to realize intelligent routing. The intelligent routing is mainly calculated according to routing rules set in the early stage by various service factors sent by a user at the front end, such as tenant numbers, payment timeliness, payment priority and payment channel states, and the optimal payment channel with the highest score and the commission charge amount of the optimal channel are selected to realize the optimization of transaction sending.
Routing rules can be set in the system according to business and customer requirements, if a super-network channel with real-time requirements can be optimally recommended, and if the sum of money is larger, a second-generation payment channel can be recommended. And the system state of each payment channel at the back end can be updated in real time, and if a certain current channel is closed, the channel is not sent any more.
The rule setting is flexible, the transaction routing is determined mainly through two dimensions of parameter management and cost accounting, and the method specifically comprises the following steps:
the parameter management comprises the following steps: tenant management: and when the tenant information is newly added, the back end automatically generates a tenant number. And the front end configures the state of the tenant, the limit management of the tenant and the commission charge of the tenant. When performing tenant maintenance or routing, tenant information is first verified. The tenant quota management can only correspond to one limitation record through three fields of a tenant number, a product number and a limitation type, and one tenant can add a plurality of pieces of limitation information; channel management: the payment platform can synchronize channel states from each payment channel and perform on-off control on each payment channel according to the requirement of the service route; product management: different payment products can be configured at the management end, and the products can be configured with different commission amounts, different tenant permissions and product channel priorities according to the service routing requirements.
Cost accounting includes bank cost accounting and customer commission management. Different payment channels have different fee rules, and the method can configure different fee rules for different channels, so that the method is more flexible and efficient. For charging the client commission, the platform provides the commission configuration rule, supports the unified management and flexible pricing of the payment fee, and can calculate and accumulate the commission fee in real time. The management terminal can be configured according to different rules: charging according to the amount of money, charging according to the number of strokes, fixing the amount of money, fixing the proportion and limiting the amount up and down. The method aims to solve the problem that when a plurality of available channels are routed in the transaction process, a channel with lower cost is selected as the current optimal channel.
Has the advantages that: the invention is based on a distributed micro-service architecture, solves the problem of heterogeneity among payment systems by utilizing a distributed service operation platform, a basic component, a management end and a development platform, reduces the complexity of technical integration, and realizes the external packaging of the system functions of each payment product.
The bank unified payment method reduces troubles brought by different payment channel selections of tellers and customers, effectively improves the operation efficiency of inter-bank transfer, further reduces the payment cost and the operation and maintenance cost of the bank, facilitates the management of the bank on the payment channels, and improves the payment flexibility and the service integration capability of the bank.
The above embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, it should be understood that the above embodiments are merely exemplary embodiments of the present invention and are not intended to limit the scope of the present invention, and any modifications, equivalents, 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 (6)
1. A unified payment method for banks based on distribution is characterized in that the payment method comprises the following steps:
acquiring various service elements sent by a user on a front end;
setting a routing rule according to the service element;
and calculating by adopting the routing rule, and selecting the payment channel with the highest score to obtain the optimal payment channel.
2. A distributed banking unified payment method according to claim 1, characterized in that said payment method further comprises: and calculating the commission amount of the optimal payment channel.
3. The unified payment method for banks based on the distribution type as claimed in claim 1, wherein said multiple service elements specifically include:
tenant number, payment timeliness, payment priority and payment channel status.
4. The method according to claim 1, wherein the setting of the routing rule according to the service element specifically includes:
the routing rule is set in the system according to the service and the requirement of the client;
updating the system state of each payment channel at the back end in real time;
and determining a transaction route according to two dimensions of parameter management and cost accounting.
5. The unified payment method for banks based on the distribution type as claimed in claim 4, wherein said parameter management specifically includes:
managing the tenants, wherein when the information of the tenants is newly added, the back end automatically generates tenant numbers; configuring a tenant state, tenant quota management and tenant commission charge by a front end;
the tenant quota management uniquely corresponds to one limitation record according to the tenant number, the product number and the limitation type, and one tenant corresponds to a plurality of pieces of limitation information;
channel management, wherein a payment platform can synchronize channel states from each payment channel and perform on-off control on a plurality of payment channels according to the requirement of service routing;
and product management, wherein different payment products can be configured at a management end, and the products are configured with different commission amounts, different tenant permissions and product channel priorities according to the service routing requirements.
6. The unified payment method for banks based on the distribution type as claimed in claim 4, wherein said cost accounting specifically includes: bank cost accounting and customer commission management.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210408605.9A CN114782035A (en) | 2022-04-19 | 2022-04-19 | Bank unified payment method based on distribution |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210408605.9A CN114782035A (en) | 2022-04-19 | 2022-04-19 | Bank unified payment method based on distribution |
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| CN114782035A true CN114782035A (en) | 2022-07-22 |
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Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100211483A1 (en) * | 2009-02-13 | 2010-08-19 | Bank Of America Corporation | Systems, methods and computer program products for managing payment processes in a comprehensive payment hub system |
| CN105488721A (en) * | 2015-11-30 | 2016-04-13 | 中国建设银行股份有限公司 | Routing method and system for inter-bank payments |
| CN107464108A (en) * | 2016-06-03 | 2017-12-12 | 上海点融信息科技有限责任公司 | The method and apparatus for automatically selecting channel of disbursement |
| CN107705118A (en) * | 2017-09-19 | 2018-02-16 | 深圳金融电子结算中心有限公司 | Transaction payment method, system, server and storage medium based on channel route |
| CN112200558A (en) * | 2020-10-20 | 2021-01-08 | 焦点科技股份有限公司 | Rule weight-based distributed payment routing method and system |
| CN114331400A (en) * | 2021-12-30 | 2022-04-12 | 中国邮政储蓄银行股份有限公司 | Method and device for determining optimal payment channel and remittance service system |
-
2022
- 2022-04-19 CN CN202210408605.9A patent/CN114782035A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100211483A1 (en) * | 2009-02-13 | 2010-08-19 | Bank Of America Corporation | Systems, methods and computer program products for managing payment processes in a comprehensive payment hub system |
| CN105488721A (en) * | 2015-11-30 | 2016-04-13 | 中国建设银行股份有限公司 | Routing method and system for inter-bank payments |
| CN107464108A (en) * | 2016-06-03 | 2017-12-12 | 上海点融信息科技有限责任公司 | The method and apparatus for automatically selecting channel of disbursement |
| CN107705118A (en) * | 2017-09-19 | 2018-02-16 | 深圳金融电子结算中心有限公司 | Transaction payment method, system, server and storage medium based on channel route |
| CN112200558A (en) * | 2020-10-20 | 2021-01-08 | 焦点科技股份有限公司 | Rule weight-based distributed payment routing method and system |
| CN114331400A (en) * | 2021-12-30 | 2022-04-12 | 中国邮政储蓄银行股份有限公司 | Method and device for determining optimal payment channel and remittance service system |
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