CN114819947A - Method, system, network device and storage medium for selecting combined payment strategy - Google Patents
Method, system, network device and storage medium for selecting combined payment strategy Download PDFInfo
- Publication number
- CN114819947A CN114819947A CN202210754095.0A CN202210754095A CN114819947A CN 114819947 A CN114819947 A CN 114819947A CN 202210754095 A CN202210754095 A CN 202210754095A CN 114819947 A CN114819947 A CN 114819947A
- Authority
- CN
- China
- Prior art keywords
- payment
- combined
- cash
- strategy
- cash withdrawal
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- 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
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application provides a method, a system, network equipment and a storage medium for selecting a combined payment strategy, and belongs to the technical field of internet finance. The method for selecting the combined payment strategy receives a plurality of cash withdrawal requests initiated by a service end and stores the requests in a database; obtaining corresponding cash withdrawal information according to each cash withdrawal request; acquiring a combined payment strategy set at the current moment according to all cash withdrawal requests, cash withdrawal information corresponding to each cash withdrawal request and a preset combined payment rule; evaluating all the combined payment strategies in the combined payment strategy set according to the payment service load condition at the current moment, and selecting the combined payment strategy at the current moment; generating a combined withdrawal order and paying according to the combined payment strategy at the current moment; and the combined payment strategy evaluation is carried out by combining various combined payment rules and the server load, and a more optimized combined payment strategy is selected, so that the user experience is improved, and the pressure of a payment service system is reduced.
Description
Technical Field
The application relates to the technical field of internet finance, in particular to a method, a system, network equipment and a storage medium for selecting a combined payment strategy.
Background
In a small-scale payment business scene, a large amount of small income needs to be collected by a payee, for example, the direct-broadcasting reward account arrival function is adopted, in order to stimulate reward in time, each reward is directly issued to a bank account, and fund arrival forms instant stimulation in real time, but for a main broadcasting, each income amount is very small and account arrival reminding is very frequent and troublesome, and the normal use application or equipment of a user is disturbed by the account arrival reminding received too many times in real time.
In the payment scene, the payment performance of the payment system is tested in the payment peak period, and if each payment is carried out independently, the concurrent payment times are more, and the performance pressure on the payment system is larger; meanwhile, frequent account arrival can also affect the wind control of a downstream system, the wind control is easily triggered by mistake, the payment with the same amount is intercepted, and the normal cash withdrawal of a user is affected.
The existing combined payment method in the prior art usually only simply performs combined payment on payment requests according to preset time, preset amount or order quantity, and the method cannot achieve a good effect in the face of a small payment scene of multiple users.
Disclosure of Invention
The application provides a method, a system, network equipment and a storage medium for selecting a combined payment strategy, and aims to solve the problems that in the prior art, repeated cashing in a small payment scene influences user experience and the pressure of a payment system is large.
In order to solve the technical problem, the present application is implemented as follows:
in a first aspect, an embodiment of the present application provides a method for selecting a consolidated payment policy, including:
a consolidated payment policy selection method, the method comprising:
receiving a plurality of cash withdrawal requests initiated by a service end and storing the requests in a database;
obtaining corresponding cash withdrawal information according to each cash withdrawal request;
acquiring a combined payment strategy set at the current moment according to all cash withdrawal requests, cash withdrawal information corresponding to each cash withdrawal request and a preset combined payment rule; the consolidated payment policy set includes at least one consolidated payment policy; the combined payment strategy at least comprises a cash withdrawal request to be combined;
evaluating all the combined payment strategies in the combined payment strategy set according to the payment service load condition at the current moment;
selecting a combined payment strategy at the current moment according to the combined payment strategy evaluation result;
and generating a combined withdrawal order and carrying out payment according to the combined payment strategy at the current moment.
In a second aspect, an embodiment of the present application provides a consolidated payment policy selection system, including:
the cash withdrawal request receiving module is used for receiving a plurality of cash withdrawal requests initiated by the service end and storing the cash withdrawal requests in the database;
the cash withdrawal information acquisition module is used for acquiring corresponding cash withdrawal information according to each cash withdrawal request;
the cash withdrawal strategy generation module is used for acquiring a combined payment strategy set at the current moment according to all cash withdrawal requests, cash withdrawal information corresponding to each cash withdrawal request and a preset combined payment rule; the consolidated payment policy set includes at least one consolidated payment policy; the combined payment strategy at least comprises a cash withdrawal request to be combined;
the withdrawal strategy evaluation module is used for evaluating all the combined payment strategies in the combined payment strategy set according to the payment service load condition at the current moment;
the cash-out strategy selection module is used for selecting the combined payment strategy at the current moment according to the combined payment strategy evaluation result;
and the payment module is used for generating a combined cash withdrawal order and carrying out payment according to the combined payment strategy at the current moment.
In a third aspect, an embodiment of the present application provides a network device, including: a processor, a memory and a program stored on and executable on the memory, which when executed by the processor, performs the steps of the consolidated payment policy selection method of the first aspect described above.
In a fourth aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the consolidated payment policy selection method of the first aspect.
The beneficial effects brought by the technical scheme provided by the embodiment of the application at least comprise: the method for selecting the combined payment strategy receives a plurality of cash withdrawal requests initiated by a service end and stores the requests in a database; obtaining corresponding cash withdrawal information according to each cash withdrawal request; acquiring a combined payment strategy set at the current moment according to all cash withdrawal requests, cash withdrawal information corresponding to each cash withdrawal request and a preset combined payment rule; the consolidated payment policy set includes at least one consolidated payment policy; the combined payment strategy at least comprises a cash withdrawal request to be combined; evaluating all the combined payment strategies in the combined payment strategy set according to the payment service load condition at the current moment; selecting a combined payment strategy at the current moment according to the combined payment strategy evaluation result; generating a combined withdrawal order and paying according to the combined payment strategy at the current moment; the method and the device realize generation of the combined payment strategy set according to the withdrawal request and the preset various combined payment rules and dynamically evaluate the combined payment strategy according to the payment service load, thereby determining the combined payment strategy at the current moment, improving the user experience and reducing the pressure of the payment service system.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the application. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
fig. 1 is a flowchart of a method for selecting a consolidated payment policy according to an embodiment of the present application;
fig. 2 is a schematic view of a merged payment policy selection scenario provided in an embodiment of the present application;
fig. 3 is a schematic diagram illustrating a merged payment policy selection process according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of a consolidated payment policy selection system according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of a network device according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be described clearly below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. All other embodiments that can be derived by one of ordinary skill in the art from the embodiments given herein are intended to be within the scope of the present disclosure.
The terms first, second and the like in the description and in the claims of the present application are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that embodiments of the application may be practiced in sequences other than those illustrated or described herein, and that the terms "first," "second," and the like are generally used herein in a generic sense and do not limit the number of terms, e.g., the first term can be one or more than one. In addition, "and/or" in the specification and claims means at least one of connected objects, a character "/" generally means that a preceding and succeeding related objects are in an "or" relationship.
The method, system, network device, storage medium, and the like for selecting a consolidated payment policy provided by the embodiments of the present application are described in detail below with reference to the accompanying drawings through specific embodiments and application scenarios thereof.
Referring to fig. 1, fig. 1 shows a flowchart of a consolidated payment policy selection method provided in an embodiment of the present application, where the method includes:
and step 11, receiving a plurality of cash withdrawal requests initiated by the service end and storing the cash withdrawal requests in a database.
Specifically, according to the cash withdrawal request of the user, the service end initiates a plurality of cash withdrawal requests to the payment service, and the cash withdrawal requests are all placed in a database and used as cash withdrawal request records; the cash withdrawal requests needing real-time payment directly initiate payment, the cash withdrawal requests needing non-real-time payment are temporarily not paid, the cash withdrawal requests are stored in the database and enter a to-be-paid state, and the combined cash withdrawal orders of the cash withdrawal requests in the to-be-paid state are combined according to the combined payment strategy provided by the embodiment of the application.
And step 12, acquiring corresponding cash withdrawal information according to each cash withdrawal request.
Specifically, the cash withdrawal information at least comprises collection account information, cash withdrawal amount and a payment channel;
the payment channel at least comprises a payment channel through which the corresponding cash withdrawal request can complete payment, such as WeChat payment, Paibao and a specific bank.
Specifically, each merging policy may be for a plurality of different withdrawal requests, for example, there are 100 withdrawal requests at the current time in the data, there are 3 merging payment policies in the merging payment policy set, policy 1 relates to 20 withdrawal requests, policy 2 relates to 50 withdrawal requests, policy 3 sets 40 withdrawal requests, and between the withdrawal requests related to policy 1, policy 2, and policy 3, only different merging withdrawal order combinations obtained according to the merging payment policies respectively may occur, and cases such as intersection, non-intersection, and the like between the withdrawal requests between 2 policies may occur.
And step 14, evaluating all the combined payment strategies in the combined payment strategy set according to the payment service load condition at the current moment.
Specifically, each combined payment policy in the combined payment policy set is evaluated in combination with the load condition of the payment service at the current time, and the specific condition of each combined payment policy can be obtained according to a preset evaluation rule, a preset model or a preset evaluation method, so that the combined payment policy at the current time which is finally used for execution is conveniently selected.
And step 15, selecting the combined payment strategy at the current moment according to the combined payment strategy evaluation result.
Specifically, the most suitable consolidated payment policy may be selected as the currently suitable consolidated payment policy according to a preset selection rule or an evaluation score obtained by a preset evaluation model.
And step 16, generating a combined cash withdrawal order and carrying out payment according to the combined payment strategy at the current moment.
By the combined payment strategy selection method provided by the embodiment, a combined payment strategy set at the current moment can be obtained by the presence request, the presence information and the preset combined payment rule in the face of a large number of small-amount presence requests in a small-scale payment service scene; and evaluating each combined payment strategy in the combined payment strategy set by combining the load condition of the payment service at the current moment to obtain the final combined payment strategy for executing at the current moment, fully considering the load of the cash withdrawal request and the payment service, and reducing the load of a payment service system while improving the user experience.
Optionally, in some embodiments of the present application, the consolidated payment rule includes at least one of:
a timing combination rule, a quota combination rule and a commission optimal combination rule.
Specifically, the regular merging rules are used for regularly merging cash withdrawal requests in the database according to preset time, and merging the cash withdrawal requests every other preset time;
a quantitative combination rule, combining the cash withdrawal requests in the database according to a preset amount threshold value, and combining the cash withdrawal requests once when the preset amount is accumulated;
and (4) according to the optimal handling fee combination rule, calculating the optimal handling fee according to a preset dynamic algorithm to combine the cash-withdrawal orders, and accumulating cash-withdrawal requests according to the optimal handling fee principle.
Different combined payment rules are combined and flexibly used, pressure is relieved for a payment service system, and meanwhile convenience can be provided for users, such as reduction of service fees, guarantee of timeliness and reduction of user-side collection times.
Optionally, in some embodiments of the present application, the cash-out information at least includes information of a collection account, and the timing merge rule includes:
and scanning the cash withdrawal requests in the database at regular time according to preset time, merging the cash withdrawal requests with the same collection account information, and generating a merged payment strategy.
Specifically, the payment service system scans cash withdrawal requests in a to-be-paid state in data once at preset time, for example, every 10 minutes, and provides a combined payment strategy for combining cash withdrawal requests of the same payee according to a timing combination rule; and feeding back the combined payment strategy generated according to the timing combination rule to the combined payment strategy set at the current moment.
Exemplarily, referring to fig. 2, a usage scenario of a timing consolidation rule is illustrated, in a scanning interval of a current time, an anchor A, B, C respectively initiates cash-up requests for 4 times, 2 times, and 2 times, generates 3 consolidated payment policies for an anchor a, an anchor B, and an anchor C according to a collection account, and sends the 3 consolidated payment policies to a consolidated payment policy set.
Optionally, in some embodiments of the present application, the cash withdrawal information at least includes information of a collection account and a cash withdrawal amount, and the quota combining rule includes:
and merging the cash withdrawal requests in the database according to the preset amount, wherein the cash withdrawal requests with the same information of the collection account number are merged according to the preset amount, and merging the cash withdrawal requests once the preset amount is met to generate a merged payment strategy.
Specifically, excessive small amount transactions frequently remind the user of getting account, excessive getting account reminding influences normal use of apps, applications or user end equipment and the like of the user, and troubles caused by excessive small amount money collection reminding can be reduced by setting a quota combination mode, for example, carrying out once combination for 100 yuan for the same cashing request of a payee; and feeding back the combined payment strategy generated according to the quota combination rule to the combined payment strategy set at the current moment.
The following are exemplary: the preset amount threshold is 100, that is, when the cash withdrawal requests of the same collection account number are accumulated to 100 yuan, a combined cash withdrawal order is generated, for example, the current cash withdrawal amount of the collection account number a card number is accumulated to 98 yuan, and the cash withdrawal amount of a new cash withdrawal request is 3.3 yuan, the accumulated amount is 98+3.3=101.3 yuan which is greater than the preset amount threshold of 100 yuan, a combined payment policy which combines the accumulated cash withdrawal requests into one combined cash withdrawal order according to 101.3 yuan is generated, and the combined payment policy is fed back to the combined payment policy set.
Specifically, the realization of the accumulated amount can be based on a Redis database, the lua script is used for guaranteeing the atomic operation, the processing convenience is improved, the method is superior to the traditional SQL calculation mode, according to the step that the merge: { card number } is used as a keyword, and an INCRBY key increment command is used for accumulating the value corresponding to the keyword, for example:
assuming that the card number is 1234500001, the transaction amount of the cash withdrawal request is 30 yuan, and the system supports unit points, so that 30 yuan is changed into 3000 points for execution during calculation, and the keyword is set: merge: 12345000012;
executing the lua script (the following steps demonstrate the lua script operational steps, being pseudo-code, the following steps being performed in one script):
1) performing INCRBY step: merge: 12345000013000;
2) if the result value A is obtained successfully, the exit is carried out if the result value fails;
3) if value > Preset threshold (set to 100 Yuan) then execute
DECRBY settle: merge: 1234500001 valueA；
4) If the result value is successfully obtained, the exit is carried out if the result value is failed.
Optionally, in some embodiments of the present application, the cash withdrawal information at least includes collection account information, a cash withdrawal amount, and a payment channel, and the optimal commission consolidation rule includes:
and generating a combined payment strategy according to the withdrawal requests in the database, the withdrawal amount corresponding to each withdrawal request and the commission rule corresponding to the payment channel and the preset optimum commission calculation rule.
Specifically, different payment channels have different conditions with optimal commission charge under normal conditions, and different cash withdrawal requests also include payment channel information corresponding to the payment channels, namely, the supported banks are different, for example, the cash withdrawal request 1 supports a bank, the cash withdrawal request 2 supports a bank, the cash withdrawal request 3 supports a payment bank and a bank D, and the cash withdrawal request D supports a bank and WeChat; for example, according to a dynamic calculation rule, the combined transaction amount from a transaction to a civil bank reaches 1000 yuan, but the optimal withdrawal amount is 200 yuan in a WeChat scene, a payment treasure may be 500 yuan, at this time, the optimal combination of commission fees needs to be performed by combining with a payment route, the payment route accumulates the amount and calculates an optimal combination strategy, a current optimal commission strategy is dynamically maintained, and when the accumulated payment amount of an account reaches a threshold, the payment route adjusts a new optimal threshold to perform payment.
Optionally, in some embodiments of the present application, the payment rule further includes:
combining the quota combination rule with the timing combination rule, combining cash withdrawal requests with the same information of the payment accounts according to preset amount, generating a combined payment order when the preset amount is met, and combining the accumulated cash withdrawal requests when the preset time threshold is reached even if the preset amount is not reached;
and/or the presence of a gas in the gas,
combining the optimal handling fee combination rule with the timing combination rule, combining the cash-withdrawal requests according to the optimal handling fee combination rule, and combining the accumulated cash-withdrawal requests when a preset time threshold is reached even if the optimal handling fee is not reached.
Specifically, the method can set the preset time threshold value by combining the timing rule under the condition of meeting the quota rule or the optimal commission charge rule, so that the condition that payment is not carried out in late due to the fact that quota is not full for a long time and commission charge is accumulated insufficiently is avoided, and the user experience is reduced.
Illustratively, to avoid waiting longer for a large amount of small transactions for which accumulated credits result in a large number of small transactions that have not had a chance to be paid because the optimal commission is not reached, it may be set in conjunction with a timed merge rule, which of the two merge rules is the first to arrive at which is the merge payment policy, such as:
(1) a commission optimal merge processor: the realization of the accumulated amount is based on a Redis database, a current channel is obtained by inquiring a payment route, the current most commission optimal amount is x by taking WeChat as an example, the obtained amount x is set in Redis as a keyword according to the following steps of { channel }: merge: { card number }: amount as a keyword name, and the amount x is the optimal combined amount of the commission taken by the current call payment route; meanwhile, the method ensures the atomic operation by using the lua script, improves the processing convenience, is superior to the traditional SQL calculation mode, and accumulates the value corresponding to the keyword name by using the INCRBY key increment command according to the fact that the result of the step is that the { channel }: merge: { card number } is used as the key name;
in addition, a keyword can be set for calculating the current accumulated amount, and the operation steps are as follows:
1) pre-acquisition merge processing lock to prevent commission optimization and timer satisfaction for parallel operation
2) Assuming that the card number is 1234500002, the transaction amount is 40 yuan, and the system supports unit points, so that 40 yuan is converted into 4000 units for execution during calculation, and the keyword name is set: weixin: merge:1234500023, and lua script is executed (the following steps are used for demonstrating the operation steps of the lua script, namely pseudo codes, and are executed in one script): performing INCRBY step: weixin: merge: 12345000024000; if the result value A is obtained successfully, the exit is carried out if the result value fails; query the value valueBd for the search: weixin: merge: 1234500002; if value > value B (set to 200-tuple), then DECRBY set: weixin: merge:1234500004 value Ae; if value < value B (set to 200 Yuan) then do not need to be executed, exit; if the result value is successfully obtained, the exit is carried out if the result value is failed.
(2) Setting a timer, and executing the following steps when the timer is satisfied:
1) acquiring a merging processing lock to prevent optimal handling fee and a timer from meeting parallel operation;
2) inquiring the rediskey to obtain the current accumulated amount of money, which is called party, 1234500002, executing merging according to the current order, and merging according to the existing amount of money, for example, executing merging payment if the current accumulated amount reaches 50 yuan, and not waiting for other cash withdrawal requests.
Optionally, in some embodiments of the present application, the evaluating all consolidated payment policies in the consolidated payment policy set according to the payment service load condition at the current time includes:
evaluating each combined payment strategy in the combined payment strategy set according to the current state of a payment channel and the payment service load condition at the current moment;
the current state of the payment channel includes: the pressure of the payment channel, the balance of the payment channel, the handling fee of the current payment channel and/or the preferential activity of the payment channel.
Specifically, the pressure condition of the current payment channel is whether channel transaction extrusion exists or not; if the balance of the current payment channel is sufficient, judging whether the balance is sufficient; current payment channel commission may also involve accumulating and calculating more complex tiered rate patterns, such as: the first ladder commission is a1, and the first ladder commission is a2 after the total payment amount meets 100 ten thousand dollars, and the second ladder commission is A3 after the total payment amount meets 300 ten thousand dollars, and a1, a2 and A3 may be in an increasing relation or a decreasing relation, depending on the specific channel condition, that is, a1> a2> A3 or a1< a2< A3; the mode of different charging rates is carried out according to idle and busy hours, for example, the rate is high at night from 24 o 'clock to 8 o' clock, and the rate is low at daytime from 8 o 'clock to 24 o' clock; making different handling fees according to a single amount, for example, a large rate is more than 5 ten thousand yuan, a small rate is less than 5 ten thousand yuan, and different single amounts are determined in different channels; the offer to pay for the channel, e.g., the current campaign, is to be carried out as a 200-full submittal to the marketing campaign.
And evaluating and selecting the combined payment strategy by combining the factors, determining the combined payment strategy at the current moment, and finally using the combined payment strategy for execution.
Exemplarily, referring to fig. 3, a flow diagram of consolidated payment is shown, where there are multiple cash-out requests in the database at the current time, consolidated payment policies 1-m are generated by consolidating payment rules 1-n, a consolidated payment policy set is generated, a consolidated payment policy "1-m" in the consolidated payment policy set is evaluated and selected, a consolidated payment policy at the current time is determined, and the consolidated payment policy at the current time is executed.
Optionally, in some embodiments of the present application, after merging the withdrawal requests, the method further includes:
and marking the merged cash-out request with a merged mark, wherein the merged mark comprises the information of the merged cash-out order generated by the merged cash-out request.
Specifically, after the combined payment strategy at the current moment is obtained, a combined withdrawal order is generated according to the combined payment strategy, a combined order is stored, the original single withdrawal request is inserted into the order number of the combined withdrawal request, and payment is initiated after the operation is completed.
Specifically, based on the association relationship between the combined cash-out order and the single cash-out request, a combined payment statement is provided, according to the identity information of the inquirer, a record of the combined cash-out order is provided for the inquirer, the corresponding single cash-out request information is inquired based on the single number of the combined cash-out order, and the information is combined into one piece of data to be returned; and according to the feedback information, providing a mapping page for combining the withdrawal order and the information data of the single withdrawal request on the front-end page for the user to inquire.
Optionally, in some embodiments of the present application, after merging the withdrawal requests, the method further includes: detecting the state of the payment service system to obtain related parameters of the payment service system at the current moment;
inputting the current relevant parameters, the combined payment strategy set and the current payment channel state parameters of the payment service system into a combined payment strategy selection model to obtain a combined payment strategy at the current moment;
repeating the steps at the next moment of the current moment;
the combined payment strategy selection model is obtained based on historical combined payment strategy training of the payment service system.
Optionally, in some embodiments of the present application, inputting relevant parameters of the payment service system at the current time, the consolidated payment policy set, and the current payment channel state parameter into the consolidated payment policy selection model, and acquiring the consolidated payment policy at the current time includes:
acquiring the value of a combined payment estimation strategy through a first evaluation network according to relevant parameters of the payment service system at the current moment, each combined payment strategy in the combined payment strategy set and the current payment channel state parameters;
acquiring the value of a combined payment target strategy through a second evaluation network according to the relevant parameters of the payment service system at the current moment and the state parameters of the current payment channel;
and acquiring the combined payment strategy at the current moment according to the value of the combined payment target strategy and the value of each combined payment estimation strategy in the combined payment strategy set, and updating the parameters of the first evaluation network and the second evaluation network.
The second evaluation network acquires the value of the combined payment target strategy through the state parameter of the payment service system at the next moment of the current moment, and acquires the combined payment strategy which is more efficient for optimizing the state of the payment service system through the difference between the value of the combined payment target strategy at the next moment of the current moment and the value of the combined payment estimation strategy; the value of each combined payment estimation strategy in the combined payment strategy set and the value of the target strategy at the next moment are fully considered, and the currently optimal combined payment strategy for the service payment system can be obtained based on the parameters.
In summary, the method for selecting the consolidated payment policy provided by the embodiment of the application realizes generation of a consolidated payment policy set according to the withdrawal request and the multiple consolidated payment rules, and dynamically evaluates the consolidated payment policy according to the payment service load, so that the consolidated payment policy at the current moment is determined, the user experience is improved, and the pressure of the payment service system is reduced; and the current state of the payment channel can be considered, the combined payment strategy set is combined, the pressure state of the payment service system is optimized in a model training mode, and a proper combined payment strategy is selected from the combined payment strategy set.
Referring to fig. 4, an embodiment of the present application provides a consolidated payment policy selection system 40, including:
a cash-out request receiving module 41, configured to receive multiple cash-out requests initiated by a service end, and store the multiple cash-out requests in a database;
a cash withdrawal information acquisition module 42, configured to acquire corresponding cash withdrawal information according to each cash withdrawal request;
a cash withdrawal policy generation module 43, configured to obtain a consolidated payment policy set at the current time according to all cash withdrawal requests, cash withdrawal information corresponding to each cash withdrawal request, and a preset consolidated payment rule; the consolidated payment policy set includes at least one consolidated payment policy; the combined payment strategy at least comprises a cash withdrawal request to be combined;
a cash-out policy evaluation module 44, configured to evaluate all consolidated payment policies in the consolidated payment policy set according to a payment service load condition at a current time;
a cash withdrawal policy selection module 45, configured to select a consolidated payment policy at the current time according to the consolidated payment policy evaluation result;
and the payment module 46 is configured to generate a combined cash withdrawal order according to the combined payment policy at the current time, and perform payment.
Optionally, in some embodiments of the present application, the consolidated payment rule includes at least one of:
a timing combination rule, a quota combination rule and a commission optimal combination rule.
Optionally, in some embodiments of the present application, the cash-out information at least includes information of a collection account, and the timing merge rule includes:
and scanning the cash withdrawal requests in the database at regular time according to preset time, combining the cash withdrawal requests with the same collection account information, and generating a combined payment strategy.
Optionally, in some embodiments of the present application, the cash-out information at least includes information of a collection account and a cash-out amount, and the quota combining rule includes:
and merging the cash withdrawal requests in the database according to the preset amount, wherein the cash withdrawal requests with the same information of the collection account number are merged according to the preset amount, and merging the cash withdrawal requests once the preset amount is met to generate a merged payment strategy.
Optionally, in some embodiments of the present application, the cash withdrawal information at least includes collection account information, a cash withdrawal amount, and a payment channel, and the optimal commission consolidation rule includes:
and generating a combined payment strategy according to the withdrawal requests in the database, the withdrawal amount corresponding to each withdrawal request and the commission rule corresponding to the payment channel and the preset optimum commission calculation rule.
Optionally, in some embodiments of the present application, the payment rule further includes:
combining the quota combination rule with the timing combination rule, combining cash withdrawal requests with the same information of the payment accounts according to preset amount, generating a combined payment order when the preset amount is met, and combining the accumulated cash withdrawal requests when the preset time threshold is reached even if the preset amount is not reached;
and/or the presence of a gas in the gas,
combining the optimal handling fee combination rule with the timing combination rule, combining the cash-withdrawal requests according to the optimal handling fee combination rule, and combining the accumulated cash-withdrawal requests when a preset time threshold is reached even if the optimal handling fee is not reached.
Optionally, in some embodiments of the present application, the cash-out policy evaluation module 44 is further configured to evaluate all consolidated payment policies in the consolidated payment policy set according to the payment service load condition at the current time, where the evaluating includes:
evaluating each combined payment strategy in the combined payment strategy set according to the current state of a payment channel and the payment service load condition at the current moment;
the current state of the payment channel includes: the pressure of the payment channel, the balance of the payment channel, the handling fee of the current payment channel and/or the preferential activity of the payment channel.
Optionally, in some embodiments of the present application, the consolidated payment policy selection system 40 further includes a query module 47, configured to:
and marking the merged cash-out request with a merged mark, wherein the merged mark comprises the information of the merged cash-out order generated by the merged cash-out request.
The consolidated payment policy selection system provided by the embodiment of the application can achieve all technical effects of the consolidated payment policy selection method provided by the embodiment of the application, and details are not repeated here.
Referring to fig. 5, an embodiment of the present application further provides a network device 50, which includes a processor 51, a memory 52, and a computer program stored in the memory 52 and capable of running on the processor 51, where the computer program, when executed by the processor 51, implements each process of the foregoing embodiment of the merged payment policy selection method, and can achieve the same technical effect, and details are not repeated here to avoid repetition.
The embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when executed by a processor, the computer program implements each process of the foregoing embodiment of the merged payment policy selection method, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
Through the description of the foregoing embodiments, it is clear to those skilled in the art that the method of the foregoing embodiments may be implemented by software plus a necessary general hardware platform, and certainly may also be implemented by hardware, but in many cases, the former is a better implementation. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present application.
While the present embodiments have been described with reference to the accompanying drawings, it is to be understood that the invention is not limited to the precise embodiments described above, which are meant to be illustrative and not restrictive, and that various changes may be made therein by those skilled in the art without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (11)
1. A consolidated payment policy selection method, the method comprising:
receiving a plurality of cash withdrawal requests initiated by a service end and storing the requests in a database;
obtaining corresponding cash withdrawal information according to each cash withdrawal request;
acquiring a combined payment strategy set at the current moment according to all cash withdrawal requests, cash withdrawal information corresponding to each cash withdrawal request and a preset combined payment rule; the consolidated payment policy set includes at least one consolidated payment policy; the combined payment strategy at least comprises a cash withdrawal request to be combined;
evaluating all the combined payment strategies in the combined payment strategy set according to the payment service load condition at the current moment;
selecting a combined payment strategy at the current moment according to the combined payment strategy evaluation result;
and generating a combined withdrawal order and carrying out payment according to the combined payment strategy at the current moment.
2. The consolidated payment policy selection method of claim 1, wherein the consolidated payment rules comprise at least one of:
a timing combination rule, a quota combination rule and a commission optimal combination rule.
3. The consolidated payment policy selection method of claim 2, wherein the cash-out information comprises at least collection account information, and the timing consolidation rules comprise:
and scanning the cash withdrawal requests in the database at regular time according to preset time, merging the cash withdrawal requests with the same collection account information, and generating a merged payment strategy.
4. The consolidated payment policy selection method of claim 2, wherein the cash-out information comprises at least collection account information and a cash-out amount, and the quota consolidation rules comprise:
and merging the cash withdrawal requests in the database according to the preset amount, wherein the cash withdrawal requests with the same information of the collection account number are merged according to the preset amount, and merging the cash withdrawal requests once the preset amount is met to generate a merged payment strategy.
5. The consolidated payment policy selection method of claim 2, wherein the cash-out information comprises at least collection account information, a cash-out amount and a payment channel, and the optimal consolidation rules for the commission fee comprise:
and generating a combined payment strategy according to the withdrawal requests in the database, the withdrawal amount corresponding to each withdrawal request and the commission rule corresponding to the payment channel and the preset optimum commission calculation rule.
6. The consolidated payment policy selection method of claim 2, wherein the payment rules further comprise:
combining the quota combination rule with the timing combination rule, combining cash withdrawal requests with the same information of the payment accounts according to preset amount, generating a combined payment order when the preset amount is met, and combining the accumulated cash withdrawal requests when the preset time threshold is reached even if the preset amount is not reached;
and/or the presence of a gas in the gas,
combining the optimal handling fee combination rule with the timing combination rule, combining the cash-withdrawal requests according to the optimal handling fee combination rule, and combining the accumulated cash-withdrawal requests when a preset time threshold is reached even if the optimal handling fee is not reached.
7. The consolidated payment policy selection method of claim 2, wherein the evaluating all consolidated payment policies in the consolidated payment policy set according to the payment service load at the current time comprises:
evaluating each combined payment strategy in the combined payment strategy set according to the current state of a payment channel and the payment service load condition at the current moment;
the current state of the payment channel includes: the pressure of the payment channel, the balance of the payment channel, the handling fee of the current payment channel and/or the preferential activity of the payment channel.
8. The consolidated payment policy selection method of claim 2, further comprising, after consolidating the cash-out request:
and marking the merged cash-out request with a merged mark, wherein the merged mark comprises the information of the merged cash-out order generated by the merged cash-out request.
9. A consolidated payment policy selection system, the system comprising:
the cash withdrawal request receiving module is used for receiving a plurality of cash withdrawal requests initiated by the service end and storing the cash withdrawal requests in the database;
the cash withdrawal information acquisition module is used for acquiring corresponding cash withdrawal information according to each cash withdrawal request;
the cash withdrawal strategy generation module is used for acquiring a combined payment strategy set at the current moment according to all cash withdrawal requests, cash withdrawal information corresponding to each cash withdrawal request and a preset combined payment rule; the consolidated payment policy set includes at least one consolidated payment policy; the combined payment strategy at least comprises a cash withdrawal request to be combined;
the withdrawal strategy evaluation module is used for evaluating all the combined payment strategies in the combined payment strategy set according to the payment service load condition at the current moment;
the cash withdrawal strategy selection module is used for selecting the combined payment strategy at the current moment according to the combined payment strategy evaluation result;
and the payment module is used for generating a combined cash withdrawal order and carrying out payment according to the combined payment strategy at the current moment.
10. A network device, comprising: a processor, a memory and a program stored on the memory and executable on the processor, the program when executed by the processor implementing the steps of the consolidated payment policy selection method of any of claims 1 to 8.
11. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, carries out the steps of the consolidated payment policy selection method of any of claims 1 to 8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210754095.0A CN114819947A (en) | 2022-06-30 | 2022-06-30 | Method, system, network device and storage medium for selecting combined payment strategy |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210754095.0A CN114819947A (en) | 2022-06-30 | 2022-06-30 | Method, system, network device and storage medium for selecting combined payment strategy |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN114819947A true CN114819947A (en) | 2022-07-29 |
Family
ID=82523411
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210754095.0A Pending CN114819947A (en) | 2022-06-30 | 2022-06-30 | Method, system, network device and storage medium for selecting combined payment strategy |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN114819947A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117011062A (en) * | 2023-08-30 | 2023-11-07 | 广州佳新智能科技有限公司 | Bank fund payment method, system and computer equipment based on Internet |
Citations (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103093337A (en) * | 2012-12-25 | 2013-05-08 | 远光软件股份有限公司 | Data processing system capable of combining and separating payment records |
| CN105787628A (en) * | 2014-12-26 | 2016-07-20 | 远光软件股份有限公司 | Fund payment record automatic combination method and device thereof |
| CN107563747A (en) * | 2017-08-31 | 2018-01-09 | 拉卡拉支付股份有限公司 | For being combined the method and device of payment |
| CN108241969A (en) * | 2017-12-22 | 2018-07-03 | 北京车和家信息技术有限公司 | Order is split and the method and system of payment, computer equipment |
| CN108537528A (en) * | 2018-04-10 | 2018-09-14 | 平安科技（深圳）有限公司 | Batch file auditing and payment-for-delivery method and system |
| CN108932667A (en) * | 2018-07-12 | 2018-12-04 | 北京京东金融科技控股有限公司 | The method and apparatus for determining opportunity of paying |
| CN111598709A (en) * | 2020-06-29 | 2020-08-28 | 腾讯科技（深圳）有限公司 | Medical insurance data processing system, method, device, equipment and storage medium |
| CN111612388A (en) * | 2019-02-26 | 2020-09-01 | 北京京东尚科信息技术有限公司 | Method and device for merging target orders |
| CN111652709A (en) * | 2020-05-20 | 2020-09-11 | 马上消费金融股份有限公司 | Payment splitting method and device |
| CN113554509A (en) * | 2021-07-29 | 2021-10-26 | 上海浦东发展银行股份有限公司 | Processing method, device, medium and electronic equipment for online payment service |
| CN114581094A (en) * | 2022-03-05 | 2022-06-03 | 浙江保融科技股份有限公司 | Payment channel dynamic decision method, server and computer readable medium |
-
2022
- 2022-06-30 CN CN202210754095.0A patent/CN114819947A/en active Pending
Patent Citations (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103093337A (en) * | 2012-12-25 | 2013-05-08 | 远光软件股份有限公司 | Data processing system capable of combining and separating payment records |
| CN105787628A (en) * | 2014-12-26 | 2016-07-20 | 远光软件股份有限公司 | Fund payment record automatic combination method and device thereof |
| CN107563747A (en) * | 2017-08-31 | 2018-01-09 | 拉卡拉支付股份有限公司 | For being combined the method and device of payment |
| CN108241969A (en) * | 2017-12-22 | 2018-07-03 | 北京车和家信息技术有限公司 | Order is split and the method and system of payment, computer equipment |
| CN108537528A (en) * | 2018-04-10 | 2018-09-14 | 平安科技（深圳）有限公司 | Batch file auditing and payment-for-delivery method and system |
| CN108932667A (en) * | 2018-07-12 | 2018-12-04 | 北京京东金融科技控股有限公司 | The method and apparatus for determining opportunity of paying |
| CN111612388A (en) * | 2019-02-26 | 2020-09-01 | 北京京东尚科信息技术有限公司 | Method and device for merging target orders |
| CN111652709A (en) * | 2020-05-20 | 2020-09-11 | 马上消费金融股份有限公司 | Payment splitting method and device |
| CN111598709A (en) * | 2020-06-29 | 2020-08-28 | 腾讯科技（深圳）有限公司 | Medical insurance data processing system, method, device, equipment and storage medium |
| CN113554509A (en) * | 2021-07-29 | 2021-10-26 | 上海浦东发展银行股份有限公司 | Processing method, device, medium and electronic equipment for online payment service |
| CN114581094A (en) * | 2022-03-05 | 2022-06-03 | 浙江保融科技股份有限公司 | Payment channel dynamic decision method, server and computer readable medium |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117011062A (en) * | 2023-08-30 | 2023-11-07 | 广州佳新智能科技有限公司 | Bank fund payment method, system and computer equipment based on Internet |
| CN117011062B (en) * | 2023-08-30 | 2024-04-12 | 广州佳新智能科技有限公司 | Bank fund payment method, system and computer equipment based on Internet |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11037158B2 (en) | Bulk dispute challenge system | |
| CN109670938B (en) | Method and system for merging and reporting credit investigation data | |
| CN111383093A (en) | Intelligent overdue bill collection method and system | |
| CN108269087A (en) | The processing method and processing device of location information | |
| CN110378575B (en) | Overdue event refund collection method and device and computer readable storage medium | |
| CN107818460B (en) | Payment method and device | |
| CN114819947A (en) | Method, system, network device and storage medium for selecting combined payment strategy | |
| KR102378436B1 (en) | Evaluation score-based weight setting and incentive calculation system. | |
| CN109447776A (en) | It collects taxes method and device, storage medium and electronic equipment | |
| CN111986018A (en) | Bill collection prompting method and device based on preset collection prompting system and electronic equipment | |
| CN107808290A (en) | Pick machine service credit method and server | |
| CN108428009A (en) | A kind of channel distribution method and device | |
| CN110135851A (en) | A kind of transaction backing method and relevant device based on data processing | |
| CN101751611A (en) | Channel remuneration settlement method, device and system | |
| CN113409147B (en) | Account data processing method, device, electronic equipment and storage medium | |
| CN111583010A (en) | Data processing method, device, equipment and storage medium | |
| CN107025556A (en) | A kind of membership management system suitable for trading processing | |
| CN116011863A (en) | Network point service evaluation system and method | |
| CN111709831B (en) | Method and device for analyzing blacklist | |
| CN111429125B (en) | Account management method and device, storage medium and electronic equipment | |
| CN112037049B (en) | Bank card charging method and device | |
| CN114971637A (en) | Risk early warning method, device, equipment and medium | |
| CN111429251A (en) | Method and device for processing data under multiple modes | |
| CN111583030A (en) | Payment routing method and device | |
| CN115188139B (en) | Method and device for processing withdrawal information, electronic equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20220729 |
|
| RJ01 | Rejection of invention patent application after publication |