CN115204859A - Bank intelligent route payment method, system, equipment and storage medium - Google Patents

Abstract

The invention discloses a bank intelligent route payment method, system, device and storage medium, comprising: receiving a payment request sent by a user, wherein the payment request comprises bank card type information and payment amount information; automatically identifying available payment channels according to the information of the bank card category contained in the payment request sent by the user; acquiring channel state information corresponding to each payment channel; automatically calculating the payment cost corresponding to each payment channel according to payment amount information contained in a payment request sent by a user; comprehensively judging and selecting an optimal channel according to the payment cost corresponding to each payment channel and the channel state information; and paying through the selected optimal channel. According to the bank intelligent route payment method, the optimal channel payment mode can be calculated by acquiring different payment fees of different payment channels and states of the payment channels, and the payment cost is reduced through payment route configuration.

Description

Bank intelligent routing payment method, system, equipment and storage medium

technical field

The invention belongs to the technical field of electronic payment, and in particular relates to a bank intelligent routing payment method, system, equipment and storage medium.

Background technique

The existing payment channels are relatively fixed, and different payment channels need to be selected manually. The selection of existing payment channels usually lacks consideration of basic payment costs and handling fee rates, so that existing payment cannot be processed by multi-channel payment fees. On the other hand, it is impossible to dynamically plan the use of payment channels based on payment channel traffic, transaction limit, and transaction amount.

SUMMARY OF THE INVENTION

The present invention provides a bank intelligent routing payment method, system, equipment and storage medium to solve the above-mentioned technical problems, and specifically adopts the following technical solutions:

A bank intelligent routing payment method, comprising the following steps:

Receive a payment request sent by the user, where the payment request includes bank card type information and payment amount information;

Automatically identify the available payment channels according to the bank card category information contained in the payment request sent by the user;

Obtain channel status information corresponding to each of the payment channels;

The payment cost corresponding to each of the payment channels is automatically calculated according to the payment amount information contained in the payment request sent by the user;

According to the payment cost corresponding to each of the payment channels and the channel status information, the optimal channel is comprehensively determined;

Payment is made through the selected optimal channel.

Further, the specific method for obtaining the channel status information corresponding to each of the payment channels is:

Obtain the QOS score corresponding to each of the payment channels;

Obtain the credit score corresponding to each of the payment channels.

Further, the specific method for obtaining the QOS score corresponding to each of the payment channels is:

Obtain the interface traffic, TPS, channel time-out and channel drop rate of each of the payment channels;

Calculate the QOS status score of each of the payment channels through the interface traffic, the TPS, the channel time-out and timeout, and the channel drop rate;

Rank the payment channel first according to the QOS status of the payment channel;

Determine the QOS score of the payment channel according to the first ranking of the payment channel;

The specific method for obtaining the quota score corresponding to each of the payment channels is as follows:

Obtain the transaction quota limit information and transaction number limit information of each of the payment channels;

Calculate the channel limit status score of each of the payment channels according to the transaction amount limit information and the transaction number limit information;

Perform a second ranking of the payment channels according to the channel restriction status points of the payment channels;

The credit score of the payment channel is determined according to the second ranking of the payment channel.

Further, the specific method for comprehensively determining and selecting the optimal channel according to the payment cost corresponding to each of the payment channels and the channel status information is:

Obtain a cost score corresponding to each of the payment channels according to the payment cost corresponding to each of the payment channels;

Calculate the channel weight score corresponding to each of the payment channels according to the QOS score, the quota score, the cost score and a preset calculation weight coefficient;

The payment channel with the highest channel weight score is selected as the optimal channel.

Further, the specific method for obtaining the cost score corresponding to each of the payment channels according to the payment cost corresponding to each of the payment channels is:

Perform a third ranking on the payment channels according to the payment cost corresponding to each of the payment channels;

The corresponding cost score is determined according to the third ranking of the payment channel.

Further, the specific method for automatically calculating the payment cost corresponding to each of the payment channels according to the payment amount information contained in the payment request sent by the user is:

Obtain the phased rate, guaranteed minimum handling fee and capped handling fee corresponding to each of the payment channels;

Calculate the prepaid fee according to the phased rate;

comparing the prepaid fee with the guaranteed fee and the capped fee;

If the prepaid fee is less than the guaranteed handling fee, the guaranteed handling fee is used as the payment cost of the payment channel;

If the prepaid fee is greater than the capped handling fee, the capped handling fee is used as the payment cost of the payment channel;

If the prepaid fee is greater than or equal to the guaranteed handling fee and less than or equal to the capped handling fee, the prepaid fee is used as the payment cost of the payment channel.

Further, the bank intelligent routing payment method also includes:

Configuring the calculation weight coefficient before the receiving the payment request sent by the user;

User verification is performed after receiving the payment request sent by the user.

A bank intelligent routing payment system, comprising:

a receiving module, configured to receive a payment request sent by a user, where the payment request includes bank card category information and payment amount information;

The identification module is used to automatically identify the available payment channels according to the bank card category information contained in the payment request sent by the user;

an acquisition module for acquiring channel status information corresponding to each of the payment channels;

a calculation module, configured to automatically calculate the payment cost corresponding to each of the payment channels according to the payment amount information contained in the payment request sent by the user;

A selection module, configured to comprehensively determine and select an optimal channel according to the payment cost corresponding to each of the payment channels and the channel status information;

A payment module, configured to make payment through the selected optimal channel.

Further, the specific method for the acquisition module to acquire the channel status information corresponding to each of the payment channels is:

Obtain the QOS score corresponding to each of the payment channels;

Obtain the credit score corresponding to each of the payment channels.

Further, the specific method that the acquisition module acquires the QOS score corresponding to each of the payment channels is:

Obtain the interface traffic, TPS, channel time-out and channel drop rate of each of the payment channels;

Calculate the QOS status score of each of the payment channels through the interface traffic, the TPS, the channel time-out and timeout, and the channel drop rate;

Rank the payment channel first according to the QOS status of the payment channel;

Determine the QOS score of the payment channel according to the first ranking of the payment channel;

The specific method for the obtaining module to obtain the credit score corresponding to each of the payment channels is:

Obtain the transaction quota limit information and transaction number limit information of each of the payment channels;

Calculate the channel limit status score of each of the payment channels according to the transaction amount limit information and the transaction number limit information;

Perform a second ranking of the payment channels according to the channel restriction status points of the payment channels;

The credit score of the payment channel is determined according to the second ranking of the payment channel.

Further, the specific method that the selection module comprehensively determines and selects the optimal channel according to the payment cost corresponding to each of the payment channels and the channel status information is:

Obtain a cost score corresponding to each of the payment channels according to the payment cost corresponding to each of the payment channels;

Calculate the channel weight score corresponding to each of the payment channels according to the QOS score, the quota score, the cost score and a preset calculation weight coefficient;

The payment channel with the highest channel weight score is selected as the optimal channel.

Further, the specific method for the acquisition module to acquire the cost score corresponding to each of the payment channels according to the payment cost corresponding to each of the payment channels is:

Perform a third ranking on the payment channels according to the payment cost corresponding to each of the payment channels;

The corresponding cost score is determined according to the third ranking of the payment channel.

Further, the specific method for the calculation module to automatically calculate the payment cost corresponding to each of the payment channels according to the payment amount information contained in the payment request sent by the user is:

Obtain the phased rate, guaranteed minimum handling fee and capped handling fee corresponding to each of the payment channels;

Calculate the prepaid fee according to the phased rate;

comparing the prepaid fee with the guaranteed fee and the capped fee;

If the prepaid fee is less than the guaranteed handling fee, the guaranteed handling fee is used as the payment cost of the payment channel;

If the prepaid fee is greater than the capped handling fee, the capped handling fee is used as the payment cost of the payment channel;

If the prepaid fee is greater than or equal to the guaranteed handling fee and less than or equal to the capped handling fee, the prepaid fee is used as the payment cost of the payment channel.

Further, the bank intelligent routing payment system also includes:

a configuration module, configured to configure the calculation weight coefficient;

The verification module is used for user verification.

An electronic device comprising a memory and a processor, the memory for storing one or more computer instructions, wherein the one or more computer instructions are executed by the processor to implement any one of the foregoing A bank intelligent routing payment method.

A computer-readable storage medium storing a computer program, the computer program enables a computer to implement any one of the aforementioned bank intelligent routing payment methods.

The advantages of the present invention lie in that the bank intelligent routing payment method, system, equipment and storage medium provided by the invention can calculate the optimal channel payment method by acquiring different payment fees of different payment channels and the status of the payment channels. Routing configuration reduces payment costs.

The invention is also beneficial in that the bank intelligent routing payment method, system, equipment and storage medium provided can be dynamically and flexibly planned through QOS channel quality monitoring, payment cost calculation and dynamic weight, so as to improve the stability of payment channels and reduce the cost of payment costs for the business.

Description of drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the accompanying drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only These are some embodiments of the present application, and for those of ordinary skill in the art, other drawings can also be obtained from these drawings without any creative effort.

Fig. 1 is the flow chart of a kind of bank intelligent routing payment method of the present invention;

2 is a schematic diagram of a bank intelligent routing payment system of the present invention;

FIG. 3 is a schematic diagram of an electronic device implementing a bank intelligent routing payment method according to the present invention.

Detailed ways

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by those skilled in the art without creative efforts shall fall within the protection scope of this application.

The terms "first", "second", etc. in the claims and description of the present application are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence, and it should be understood that such terms are used under appropriate circumstances can be interchanged, this is only the way of distinguishing objects with the same attributes in the description of the embodiments of the present application. In addition, the terms "include" and "have" and any of their modifications are intended to cover non-exclusive Included so as to encompass a process, method, system, product or device of a series of units is not necessarily limited to those units, but may include other units not expressly listed or inherent to the process, method, product or device.

As shown in FIG. 1, a bank intelligent routing payment method of the present application includes the following steps: S1: Receive a payment request sent by a user, where the payment request includes bank card type information and payment amount information. S2: Automatically identify the available payment channels according to the bank card category information contained in the payment request sent by the user. S3: Obtain the channel status information corresponding to each payment channel. S4: The payment cost corresponding to each payment channel is automatically calculated according to the payment amount information included in the payment request sent by the user. S5: Select the optimal channel according to the comprehensive determination of the payment cost and channel status information corresponding to each payment channel. S6: Pay through the selected optimal channel. Through the above steps, the bank intelligent routing payment method of the present application can calculate the optimal channel payment method by obtaining different payment fees of different payment channels and the status of the payment channel, and reduce payment costs through payment routing configuration. The above steps are described in detail below.

For step S1: receiving a payment request sent by the user, the payment request includes bank card type information and payment amount information.

Specifically, the behavior of transferring money through a bank card is initiated by the user, and the system subsequently performs a series of judgments and calculations based on the payment request submitted by the user to obtain the optimal payment channel.

When a user initiates a payment request, the payment request includes bank card type information and payment amount information. It can be understood that the payment request initiated by the user may be one time, and one payment request includes both bank card type information and payment amount information. As another optional implementation manner, the payment request initiated by the user may be two times, the first payment request includes bank card type information, and the second payment request includes payment amount information. The above payment methods can be specifically set according to the actual operation process of the system, and are not limited in this application.

As a preferred embodiment, after receiving the payment request sent by the user, before proceeding to the next step S2, user verification is performed to determine whether the bank card to be paid is the head of the household. The specific verification method is not limited in the present invention. Only after the verification is successful, do the next step.

For step S2: the available payment channels are automatically identified according to the bank card category information contained in the payment request sent by the user.

It can be understood that the payment channels that can be used by different bank cards are different. Therefore, it is necessary to automatically identify the available payment channels according to the bank card type information of the bank card currently to be paid. At the same time, since the number of transactions or transaction amount of some payment channels has reached the upper limit, these channels need to be excluded.

For step S3: obtain channel status information corresponding to each payment channel.

The channel status information represents the status of each payment channel, and it mainly includes two kinds of information: QOS (Quality of Service, quality of service) score and quota score. Among them, the QOS score represents the service quality of the channel, and the quota score represents the number of remaining transactions and remaining quota of the payment channel. Therefore, in this application, the specific method for obtaining the channel status information corresponding to each payment channel is: obtaining the QOS score and the quota score corresponding to each payment channel. The higher the service quality of a channel, the higher its QOS score. Similarly, the more transactions remaining in the payment channel, the higher the remaining quota and the higher the quota score.

It is understandable that the method of obtaining the QOS score and the quota score of the payment channel is optional.

In this application, the specific method for obtaining the QOS score corresponding to each payment channel is:

Obtain the interface traffic, TPS (Transaction Per Second, transaction processing volume per second), channel time-out and channel drop rate of each payment channel. Calculate the QOS status score of each payment channel based on interface traffic, TPS, channel time-out and channel drop rate. The payment channels are ranked first according to the QOS status of the payment channels. Different rankings give different QOS scores. The QOS score of the payment channel is determined according to the first ranking of the payment channel.

In this application, the specific method for obtaining the quota score corresponding to each payment channel is as follows:

Get the transaction quota limit information and transaction number limit information for each payment channel. The channel limit status score of each payment channel is calculated based on the transaction amount limit information and the transaction number limit information. The payment channels are ranked second according to their channel restriction status points. Different rankings give different credit scores. The credit score of the payment channel is determined based on the second ranking of the payment channel.

For step S4: the payment cost corresponding to each payment channel is automatically calculated according to the payment amount information included in the payment request sent by the user.

The periodic rate, guaranteed fee and capped fee for payment channels vary by channel. For example, there are different handling fees for transactions and transfers between different banks. For example, the handling charges of domestic banks and foreign bank channels may have different rates at different stages. However, usually, transaction handling charges will have a guaranteed minimum handling fee and a capped handling fee.

Specifically, the specific method for automatically calculating the payment cost corresponding to each payment channel according to the payment amount information contained in the payment request sent by the user is as follows:

Get the phased rate, guaranteed fee and capped fee corresponding to each payment channel. The prepaid fee is calculated based on the periodic rate. Specifically, prepaid fee=payment amount*periodic rate. Compare upfront fees with guaranteed and capped fees. If the prepaid fee is less than the guaranteed fee, the guaranteed fee will be used as the payment cost of the payment channel. If the prepaid fee is greater than the capped fee, the capped fee will be used as the payment cost of the payment channel. If the prepaid fee is greater than or equal to the guaranteed minimum handling fee and less than or equal to the capped handling fee, the prepaid fee will be regarded as the payment cost of the payment channel.

For step S5: comprehensively determine and select the optimal channel according to the payment cost and channel status information corresponding to each payment channel.

In this application, the specific method for comprehensively determining and selecting the optimal channel according to the payment cost and channel status information corresponding to each payment channel is:

The cost score corresponding to each payment channel is obtained according to the payment cost corresponding to each payment channel. The channel weight score corresponding to each payment channel is calculated according to the QOS score, the quota score, the cost score and the preset calculation weight coefficient. Select the payment channel with the highest channel weight score as the optimal channel. The calculation weight coefficient is the calculation weight corresponding to the preset QOS score, quota score, and cost score. Specifically, the channel weight score=QOS score*QOS weight ratio+quota score*quota weight ratio+cost score*cost weight ratio. The system can set the calculation weight coefficient according to the priority level. Therefore, preferably, before receiving the payment request sent by the user, the calculation weight coefficient is configured. In this application, the weight of QOS score is set to 40%, the weight of transaction limit is set to 10%, and the weight of payment cost is set to 50%.

It can be understood that the method of obtaining the cost score corresponding to each payment channel is optional. In the present application, the specific method for obtaining the cost score corresponding to each payment channel according to the payment cost corresponding to each payment channel is: performing a third ranking of the payment channels according to the payment cost corresponding to each payment channel. Different rankings assign different cost scores. The corresponding cost score is determined based on the third rank of the payment channel.

For step S6: make payment through the selected optimal channel.

It is understandable that the system returns the payment result to the user after selecting the optimal channel for payment.

As shown in FIG. 2 , the present application also discloses a bank intelligent routing payment system, which is used to realize the aforementioned bank intelligent routing payment method. It includes: a receiving module, an identification module, an acquisition module, a calculation module, a payment module, a configuration module and a verification module.

Specifically, the receiving module is configured to receive a payment request sent by a user, and the payment request includes bank card type information and payment amount information. The identification module is used to automatically identify the available payment channels according to the bank card category information contained in the payment request sent by the user. The acquisition module is used to acquire the channel status information corresponding to each payment channel. The calculation module is used to automatically calculate the payment cost corresponding to each payment channel according to the payment amount information contained in the payment request sent by the user. The selection module is used to comprehensively determine and select the optimal channel according to the payment cost and channel status information corresponding to each payment channel. The payment module is used to pay through the selected optimal channel. The configuration module is used to configure the calculation weight coefficients. The verification module is used for user verification.

As a preferred embodiment, the specific method for the acquiring module to acquire the channel status information corresponding to each payment channel is: acquiring the QOS score corresponding to each payment channel. Get the quota score corresponding to each payment channel.

The specific method for the acquisition module to acquire the QOS score corresponding to each payment channel is as follows:

Get the interface traffic, TPS, channel time-out and channel drop rate of each payment channel. Calculate the QOS status score of each payment channel based on interface traffic, TPS, channel time-out and channel drop rate. The payment channels are ranked first according to the QOS status of the payment channels. The QOS score of the payment channel is determined according to the first ranking of the payment channel.

The specific method for the acquisition module to acquire the quota score corresponding to each payment channel is as follows:

Get the transaction quota limit information and transaction number limit information for each payment channel. The channel limit status score of each payment channel is calculated based on the transaction amount limit information and the transaction number limit information. The payment channels are ranked second according to their channel restriction status points. The credit score of the payment channel is determined based on the second ranking of the payment channel.

As a preferred embodiment, the selection module comprehensively determines and selects the optimal channel according to the payment cost corresponding to each payment channel and the channel status information. cost score. The channel weight score corresponding to each payment channel is calculated according to the QOS score, the quota score, the cost score and the preset calculation weight coefficient. Select the payment channel with the highest channel weight score as the optimal channel.

As a preferred embodiment, a specific method for the obtaining module to obtain the cost score corresponding to each payment channel according to the payment cost corresponding to each payment channel is: performing a third ranking of the payment channels according to the payment cost corresponding to each payment channel. The corresponding cost score is determined based on the third rank of the payment channel.

As a preferred embodiment, the specific method for the calculation module to automatically calculate the payment cost corresponding to each payment channel according to the payment amount information contained in the payment request sent by the user is: obtaining the phased rate corresponding to each payment channel, Guaranteed and capped fees. The prepaid fee is calculated based on the periodic rate. Compare upfront fees with guaranteed and capped fees. If the prepaid fee is less than the guaranteed fee, the guaranteed fee will be used as the payment cost of the payment channel. If the prepaid fee is greater than the capped fee, the capped fee will be used as the payment cost of the payment channel. If the prepaid fee is greater than or equal to the guaranteed minimum handling fee and less than or equal to the capped handling fee, the prepaid fee will be regarded as the payment cost of the payment channel.

For the technical details of the bank intelligent routing payment system, please refer to the specific description of the aforementioned bank intelligent routing payment method, which will not be repeated here.

As shown in FIG. 3, an electronic device according to the present application includes a memory 401 and a processor 402. The memory 401 is used to store one or more computer instructions, wherein the one or more computer instructions are processed by the The device 402 is executed to realize the above-mentioned method for intelligently routing payment in a bank.

Those skilled in the art can clearly understand that, for the convenience and brevity of description, for the specific working process of the electronic device described above, reference may be made to the corresponding process in the foregoing method embodiments, which will not be repeated here.

The present application also discloses a computer-readable storage medium storing a computer program, and the computer program enables the computer to implement the above-mentioned intelligent routing payment method for a bank.

Specifically, the computer program can be divided into one or more modules/units, one or more modules/units are stored in the memory 401 and executed by the processor 402, and the data is completed by the input interface 405 and the output interface 406 In order to implement the present invention, one or more modules/units can be a series of computer program instruction segments capable of performing specific functions, and the instruction segments are used to describe the execution process of the computer program in the computer device.

The computer equipment may be a desktop computer, a notebook computer, a palmtop computer, and a cloud server and other computing equipment. The computer device may include, but is not limited to, the memory 401 and the processor 402. Those skilled in the art can understand that this embodiment is only an example of the computer device, and does not constitute a limitation to the computer device, and may include more or less Components, or a combination of certain components, or different components, such as a computer device, may also include an input 407, a network access device, a bus, and the like.

The processor 402 may be a central processing unit (Central Processing Unit, CPU), other general-purpose processors 402, a digital signal processor (Digital Signal Processor, DSP), an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), Off-the-shelf programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like. The general purpose processor 402 may be a microprocessor 402 or the processor 402 may be any conventional processor 402 or the like.

The memory 401 may be an internal storage unit of a computer device, such as a hard disk or a memory of the computer device. The memory 401 can also be an external storage device of the computer device, such as a plug-in hard disk equipped on the computer device, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, and a flash memory card (Flash Card). etc., further, the memory 401 may also include both the internal storage unit of the computer device and the external storage device, the memory 401 is used to store computer programs and other programs and data required by the computer device, and the memory 401 may also be used to temporarily store In the output device 408, the aforementioned storage medium includes various media that can store program codes, such as a U disk, a removable hard disk, a read-only memory ROM403, a random access memory RAM404, a disk or an optical disk.

The foregoing has shown and described the basic principles, main features and advantages of the present invention. Those skilled in the art should understand that the above-mentioned embodiments do not limit the present invention in any form, and all technical solutions obtained by means of equivalent replacement or equivalent transformation fall within the protection scope of the present invention.

Claims (10)

1. An intelligent routing payment method for a bank is characterized by comprising the following steps:

receiving a payment request sent by a user, wherein the payment request comprises bank card type information and payment amount information;

automatically identifying available payment channels according to the information of the bank card category contained in the payment request sent by the user;

acquiring channel state information corresponding to each payment channel;

automatically calculating the payment cost corresponding to each payment channel according to the payment amount information contained in the payment request sent by the user;

comprehensively judging and selecting an optimal channel according to the payment cost corresponding to each payment channel and the channel state information;

and paying through the selected optimal channel.

2. The bank intelligent routing payment method of claim 1,

the specific method for acquiring the channel state information corresponding to each payment channel comprises the following steps:

acquiring a QOS score corresponding to each payment channel;

and obtaining the credit score corresponding to each payment channel.

3. The bank intelligent routing payment method of claim 2,

the specific method for acquiring the QOS score corresponding to each payment channel comprises the following steps:

acquiring interface flow, TPS, channel time-consuming overtime and channel order-dropping rate of each payment channel;

calculating the QOS state score of each payment channel through the interface flow, the TPS, the channel time-consuming overtime and the channel order-dropping rate;

performing first ranking on the payment channels according to the QOS state of the payment channels;

determining the QOS score of the payment channel according to a first ranking of the payment channel;

the specific method for obtaining the credit score corresponding to each payment channel comprises the following steps:

acquiring the transaction limit information and the transaction number limit information of each payment channel;

calculating a channel limit state score of each payment channel according to the transaction limit information and the transaction number limit information;

performing second ranking on the payment channels according to the channel limit status scores of the payment channels;

and determining the credit score of the payment channel according to the second ranking of the payment channel.

4. The bank intelligent routing payment method of claim 2,

the specific method for comprehensively judging and selecting the optimal channel according to the payment cost corresponding to each payment channel and the channel state information comprises the following steps:

obtaining a cost score corresponding to each payment channel according to the payment cost corresponding to each payment channel;

calculating channel weight distribution corresponding to each payment channel according to the QOS score, the quota score, the cost score and a preset calculation weight coefficient;

and selecting the payment channel with the highest channel weight score as the optimal channel.

5. The bank intelligent routing payment method of claim 4,

the specific method for obtaining the cost score corresponding to each payment channel according to the payment cost corresponding to each payment channel comprises the following steps:

performing third ranking on the payment channels according to the payment cost corresponding to each payment channel;

and determining the cost score corresponding to the payment channel according to the third ranking of the payment channel.

6. The bank intelligent routing payment method of claim 1,

the specific method for automatically calculating the payment cost corresponding to each payment channel according to the payment amount information contained in the payment request sent by the user comprises the following steps:

acquiring a stage rate, a guaranteed-base commission and a capping commission corresponding to each payment channel;

calculating the pre-payment fee according to the stage rate;

comparing the pre-paid fee to the flat fee and the capped fee;

if the prepayment payment is less than the guaranteed flat fee, taking the guaranteed flat fee as the payment cost of the payment channel;

if the prepayment payment is larger than the capping commission charge, taking the capping commission charge as the payment cost of the payment channel;

if the prepayment payment is more than or equal to the guaranteed-base commission and less than or equal to the capped commission, the prepayment payment is used as the payment cost of the payment channel.

7. The bank intelligent routing payment method of claim 1,

the bank intelligent routing payment method further comprises the following steps:

configuring the calculation weight coefficient before the payment request sent by the user is received;

user verification is performed after receiving a payment request sent by a user.

8. An intelligent routing payment system for a bank, comprising:

the receiving module is used for receiving a payment request sent by a user, wherein the payment request comprises bank card type information and payment amount information;

the identification module is used for automatically identifying an available payment channel according to the information of the bank card category contained in the payment request sent by the user;

the acquisition module is used for acquiring channel state information corresponding to each payment channel;

the calculation module is used for automatically calculating the payment cost corresponding to each payment channel according to the payment amount information contained in the payment request sent by the user;

the selection module is used for comprehensively judging and selecting an optimal channel according to the payment cost corresponding to each payment channel and the channel state information;

and the payment module is used for paying through the selected optimal channel.

9. An electronic device comprising a memory and a processor, the memory for storing one or more computer instructions, wherein the one or more computer instructions are executed by the processor to implement a bank intelligent route payment method as recited in any one of claims 1-7.

10. A computer-readable storage medium storing a computer program, wherein the computer program causes a computer to implement a method for bank intelligent route payment according to any one of claims 1-7 when executed.

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