CN115204859A - Bank intelligent route payment method, system, equipment and storage medium - Google Patents
Bank intelligent route payment method, system, equipment and storage medium Download PDFInfo
- Publication number
- CN115204859A CN115204859A CN202210871640.4A CN202210871640A CN115204859A CN 115204859 A CN115204859 A CN 115204859A CN 202210871640 A CN202210871640 A CN 202210871640A CN 115204859 A CN115204859 A CN 115204859A
- Authority
- CN
- China
- Prior art keywords
- payment
- channel
- score
- cost
- bank
- 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
- G06Q20/08—Payment architectures
-
- 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
- G06Q20/38—Payment protocols; Details thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
技术领域technical field
本发明属于电子支付技术领域,具体涉及一种银行智能路由支付方法、系统、设备及存储介质。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.
背景技术Background technique
现有的支付渠道相对固定,并且不同的支付渠道需要人工参与选择,现有支付渠道的选择通常缺乏对基础支付成本和手续费率的考虑,从而使得现有的支付无法通过对多渠道支付费率决策最低支付成本;另一方面,无法通过根据支付渠道流量、交易笔数限额、交易金额限制动态规划支付渠道的使用。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.
发明内容SUMMARY OF THE INVENTION
本发明提供了一种银行智能路由支付方法、系统、设备及存储介质解决上述提到的技术问题,具体采用如下的技术方案: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:
一种银行智能路由支付方法,包含以下步骤:A bank intelligent routing payment method, comprising the following steps:
接收用户发送的支付请求,所述支付请求包含银行卡类别信息和支付金额信息;Receive a payment request sent by the user, where the payment request includes bank card type information and payment amount information;
根据用户发送的支付请求中包含的银行卡类别信息自动识别出可用的支付渠道;Automatically identify the available payment channels according to the bank card category information contained in the payment request sent by the user;
获取每个所述支付渠道对应的渠道状态信息;Obtain channel status information corresponding to each of the payment channels;
根据用户发送的支付请求中包含的支付金额信息自动计算出每个所述支付渠道对应的支付成本;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;
根据每个所述支付渠道对应的所述支付成本和所述渠道状态信息综合判定选择出最优渠道;According to the payment cost corresponding to each of the payment channels and the channel status information, the optimal channel is comprehensively determined;
通过选择出的所述最优渠道进行支付。Payment is made through the selected optimal channel.
进一步地,所述获取每个所述支付渠道对应的渠道状态信息的具体方法为:Further, the specific method for obtaining the channel status information corresponding to each of the payment channels is:
获取每个所述支付渠道对应的QOS评分;Obtain the QOS score corresponding to each of the payment channels;
获取每个所述支付渠道对应的额度评分。Obtain the credit score corresponding to each of the payment channels.
进一步地,所述获取每个所述支付渠道对应的QOS评分的具体方法为:Further, the specific method for obtaining the QOS score corresponding to each of the payment channels is:
获取每个所述支付渠道的接口流量、TPS、渠道耗时超时和渠道掉单率;Obtain the interface traffic, TPS, channel time-out and channel drop rate of each of the payment channels;
通过所述接口流量、所述TPS、所述渠道耗时超时和所述渠道掉单率计算出每个所述支付渠道的QOS状态分;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;
根据所述支付渠道的QOS状态分对所述支付渠道进行第一排名;Rank the payment channel first according to the QOS status of the payment channel;
根据所述支付渠道的第一排名确定所述支付渠道的所述QOS评分;Determine the QOS score of the payment channel according to the first ranking of the payment channel;
获取每个所述支付渠道对应的额度评分的具体方法为:The specific method for obtaining the quota score corresponding to each of the payment channels is as follows:
获取每个所述支付渠道的交易额度限制信息和交易笔数限制信息;Obtain the transaction quota limit information and transaction number limit information of each of the payment channels;
通过所述交易额度限制信息和所述交易笔数限制信息计算出每个所述支付渠道的渠道限制状态分;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;
根据所述支付渠道的渠道限制状态分对所述支付渠道进行第二排名;Perform a second ranking of the payment channels according to the channel restriction status points of the payment channels;
根据所述支付渠道的第二排名确定所述支付渠道的所述额度评分。The credit score of the payment channel is determined according to the second ranking of the payment channel.
进一步地,所述根据每个所述支付渠道对应的所述支付成本和所述渠道状态信息综合判定选择出最优渠道的具体方法为: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:
根据每个所述支付渠道对应的所述支付成本获取每个所述支付渠道对应的成本评分;Obtain a cost score corresponding to each of the payment channels according to the payment cost corresponding to each of the payment channels;
根据所述QOS评分、所述额度评分、所述成本评分和预设的计算权重系数计算出每个所述支付渠道对应的渠道权重分;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;
选择所述渠道权重分最高的所述支付渠道作为所述最优渠道。The payment channel with the highest channel weight score is selected as the optimal channel.
进一步地,所述根据每个所述支付渠道对应的所述支付成本获取每个所述支付渠道对应的成本评分的具体方法为: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:
根据每个所述支付渠道对应的所述支付成本对所述支付渠道进行第三排名;Perform a third ranking on the payment channels according to the payment cost corresponding to each of the payment channels;
根据所述支付渠道的第三排名确定其对应的所述成本评分。The corresponding cost score is determined according to the third ranking of the payment channel.
进一步地,所述根据用户发送的支付请求中包含的支付金额信息自动计算出每个所述支付渠道对应的支付成本的具体方法为: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:
获取每个所述支付渠道对应的阶段性费率、保底手续费和封顶手续费;Obtain the phased rate, guaranteed minimum handling fee and capped handling fee corresponding to each of the payment channels;
根据所述阶段性费率计算出预支付费用;Calculate the prepaid fee according to the phased rate;
将所述预支付费用与所述保底手续费和所述封顶手续费进行比较;comparing the prepaid fee with the guaranteed fee and the capped fee;
若所述预支付费用小于所述保底手续费,则将所述保底手续费作为所述支付渠道的所述支付成本;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;
若所述预支付费用大于所述封顶手续费,则将所述封顶手续费作为所述支付渠道的所述支付成本;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;
若所述预支付费用大于等于所述保底手续费且小于等于所述封顶手续费,则将所述预支付费用作为所述支付渠道的所述支付成本。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.
进一步地,所述银行智能路由支付方法还包含:Further, the bank intelligent routing payment method also includes:
在所述接收用户发送的支付请求之前配置所述计算权重系数;Configuring the calculation weight coefficient before the receiving the payment request sent by the user;
在接收用户发送的支付请求之后进行用户校验。User verification is performed after receiving the payment request sent by the user.
一种银行智能路由支付系统,包含:A bank intelligent routing payment system, comprising:
接收模块,用于接收用户发送的支付请求,所述支付请求包含银行卡类别信息和支付金额信息;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;
识别模块,用于根据用户发送的支付请求中包含的银行卡类别信息自动识别出可用的支付渠道;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;
获取模块,用于获取每个所述支付渠道对应的渠道状态信息;an acquisition module for acquiring channel status information corresponding to each of the payment channels;
计算模块,用于根据用户发送的支付请求中包含的支付金额信息自动计算出每个所述支付渠道对应的支付成本;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;
选择模块,用于根据每个所述支付渠道对应的所述支付成本和所述渠道状态信息综合判定选择出最优渠道;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;
支付模块,用于通过选择出的所述最优渠道进行支付。A payment module, configured to make payment through the selected optimal channel.
进一步地,所述获取模块获取每个所述支付渠道对应的渠道状态信息的具体方法为:Further, the specific method for the acquisition module to acquire the channel status information corresponding to each of the payment channels is:
获取每个所述支付渠道对应的QOS评分;Obtain the QOS score corresponding to each of the payment channels;
获取每个所述支付渠道对应的额度评分。Obtain the credit score corresponding to each of the payment channels.
进一步地,所述获取模块获取每个所述支付渠道对应的QOS评分的具体方法为:Further, the specific method that the acquisition module acquires the QOS score corresponding to each of the payment channels is:
获取每个所述支付渠道的接口流量、TPS、渠道耗时超时和渠道掉单率;Obtain the interface traffic, TPS, channel time-out and channel drop rate of each of the payment channels;
通过所述接口流量、所述TPS、所述渠道耗时超时和所述渠道掉单率计算出每个所述支付渠道的QOS状态分;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;
根据所述支付渠道的QOS状态分对所述支付渠道进行第一排名;Rank the payment channel first according to the QOS status of the payment channel;
根据所述支付渠道的第一排名确定所述支付渠道的所述QOS评分;Determine the QOS score of the payment channel according to the first ranking of the payment channel;
所述获取模块获取每个所述支付渠道对应的额度评分的具体方法为:The specific method for the obtaining module to obtain the credit score corresponding to each of the payment channels is:
获取每个所述支付渠道的交易额度限制信息和交易笔数限制信息;Obtain the transaction quota limit information and transaction number limit information of each of the payment channels;
通过所述交易额度限制信息和所述交易笔数限制信息计算出每个所述支付渠道的渠道限制状态分;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;
根据所述支付渠道的渠道限制状态分对所述支付渠道进行第二排名;Perform a second ranking of the payment channels according to the channel restriction status points of the payment channels;
根据所述支付渠道的第二排名确定所述支付渠道的所述额度评分。The credit score of the payment channel is determined according to the second ranking of the payment channel.
进一步地,所述选择模块根据每个所述支付渠道对应的所述支付成本和所述渠道状态信息综合判定选择出最优渠道的具体方法为: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:
根据每个所述支付渠道对应的所述支付成本获取每个所述支付渠道对应的成本评分;Obtain a cost score corresponding to each of the payment channels according to the payment cost corresponding to each of the payment channels;
根据所述QOS评分、所述额度评分、所述成本评分和预设的计算权重系数计算出每个所述支付渠道对应的渠道权重分;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;
选择所述渠道权重分最高的所述支付渠道作为所述最优渠道。The payment channel with the highest channel weight score is selected as the optimal channel.
进一步地,所述获取模块根据每个所述支付渠道对应的所述支付成本获取每个所述支付渠道对应的成本评分的具体方法为: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:
根据每个所述支付渠道对应的所述支付成本对所述支付渠道进行第三排名;Perform a third ranking on the payment channels according to the payment cost corresponding to each of the payment channels;
根据所述支付渠道的第三排名确定其对应的所述成本评分。The corresponding cost score is determined according to the third ranking of the payment channel.
进一步地,所述计算模块根据用户发送的支付请求中包含的支付金额信息自动计算出每个所述支付渠道对应的支付成本的具体方法为: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:
获取每个所述支付渠道对应的阶段性费率、保底手续费和封顶手续费;Obtain the phased rate, guaranteed minimum handling fee and capped handling fee corresponding to each of the payment channels;
根据所述阶段性费率计算出预支付费用;Calculate the prepaid fee according to the phased rate;
将所述预支付费用与所述保底手续费和所述封顶手续费进行比较;comparing the prepaid fee with the guaranteed fee and the capped fee;
若所述预支付费用小于所述保底手续费,则将所述保底手续费作为所述支付渠道的所述支付成本;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;
若所述预支付费用大于所述封顶手续费,则将所述封顶手续费作为所述支付渠道的所述支付成本;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;
若所述预支付费用大于等于所述保底手续费且小于等于所述封顶手续费,则将所述预支付费用作为所述支付渠道的所述支付成本。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.
进一步地,所述银行智能路由支付系统还包含:Further, the bank intelligent routing payment system also includes:
配置模块,用于配置所述计算权重系数;a configuration module, configured to configure the calculation weight coefficient;
校验模块,用于进行用户校验。The verification module is used for user verification.
一种电子设备,包括存储器和处理器,所述存储器用于存储一条或多条计算机指令,其中,所述一条或多条计算机指令被所述处理器执行以实现前述的任一所述的一种银行智能路由支付方法。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.
一种存储有计算机程序的计算机可读存储介质,所述计算机程序使计算机执行时实现如前述的任一所述的一种银行智能路由支付方法。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.
本发明的有益之处在于所提供的银行智能路由支付方法、系统、设备及存储介质,通过获取不同支付渠道的不同支付费用以及支付渠道的状态,可以计算出最优的渠道支付方式,通过支付路由配置降低支付成本。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.
本发明的有益之处还在于所提供的银行智能路由支付方法、系统、设备及存储介质,通过QOS渠道质量监控、支付成本计算和动态权重进行动态灵活地规划,提高支付渠道稳定性,降低了企业的支付成本。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.
附图说明Description of drawings
为了更清楚地说明本申请实施例或现有技术中的技术方案,下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍,显而易见地,下面描述中的附图仅仅是本申请的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动性的前提下,还可以根据这些附图获得其他的附图。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.
图1是本发明的一种银行智能路由支付方法的流程图;Fig. 1 is the flow chart of a kind of bank intelligent routing payment method of the present invention;
图2是本发明的一种银行智能路由支付系统的示意图;2 is a schematic diagram of a bank intelligent routing payment system of the present invention;
图3是本发明的一种实现银行智能路由支付方法的电子设备的示意图。FIG. 3 is a schematic diagram of an electronic device implementing a bank intelligent routing payment method according to the present invention.
具体实施方式Detailed ways
下面将结合附图,对本申请实施例中的技术方案进行清楚、完整地描述,显然,所描述的实施例仅仅是本申请一部分实施例,而不是全部的实施例。基于本申请中的实施例,本领域技术人员在没有做出创造性劳动前提下所获得的所有其他实施例,都属于本申请保护的范围。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.
本申请的权利要求书和说明书的术语“第一”、“第二”等是用于区别类似的对象,而不必用于描述特定的顺序或先后次序,应该理解这样使用的术语在适当情况下可以互换,这仅仅是描述本申请的实施例中对相同属性的对象在描述时所采用的区分方式,此外,术语“包括”和“具有”以及他们的任何变形,意图在于覆盖不排他的包含,以便包含一系列单元的过程、方法、系统、产品或设备不必限于那些单元,而是可包括没有清楚地列出的或对于这些过程、方法、产品或设备固有的其他单元。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.
如图1所示为本申请的一种银行智能路由支付方法,包含以下步骤:S1:接收用户发送的支付请求,支付请求包含银行卡类别信息和支付金额信息。S2:根据用户发送的支付请求中包含的银行卡类别信息自动识别出可用的支付渠道。S3:获取每个支付渠道对应的渠道状态信息。S4:根据用户发送的支付请求中包含的支付金额信息自动计算出每个支付渠道对应的支付成本。S5:根据每个支付渠道对应的支付成本和渠道状态信息综合判定选择出最优渠道。S6:通过选择出的最优渠道进行支付。通过上述步骤,本申请的银行智能路由支付方法通过获取不同支付渠道的不同支付费用以及支付渠道的状态,可以计算出最优的渠道支付方式,通过支付路由配置降低支付成本。以下具体介绍上述步骤。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.
对于步骤S1:接收用户发送的支付请求,支付请求包含银行卡类别信息和支付金额信息。For step S1: receiving a payment request sent by the user, the payment request includes bank card type information and payment amount information.
具体而言,通过银行卡进行转账的行为由用户发起,系统后续根据用户提交的支付请求进行一系列判定和计算从而得到最优的支付渠道。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.
用户在发起支付请求时,支付请求中包含了银行卡类别信息和支付金额信息。可以理解的是,用户发起的支付请求可以为一次,一次支付请求同时包含了银行卡类别信息和支付金额信息。作为另外一种可选的实施方式,用户发起的支付请求可以为两次,第一次支付请求包含了银行卡类别信息,第二次支付请求包含支付金额信息。以上的支付方式都是可以根据系统实际的操作流程进行具体设定,在本申请中不作限定。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.
作为一种优选的实施方式,在接收到用户发送的支付请求后,在进行下一步骤S2之前,先进行用户校验,确定待支付的银行卡是否为户主。具体的校验方式在本发明中不作限定。只有在校验成功后,再执行下一步操作。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.
对于步骤S2:根据用户发送的支付请求中包含的银行卡类别信息自动识别出可用的支付渠道。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.
可以理解的是,不同的银行卡所能采用的支付渠道是不同的,因此,首先需要根据当前待支付的银行卡的银行卡类别信息自动识别出可用的支付渠道。同时,由于一些支付渠道交易笔数或交易额度已达上限,需要将这些渠道剔除出去。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.
对于步骤S3:获取每个支付渠道对应的渠道状态信息。For step S3: obtain channel status information corresponding to each payment channel.
渠道状态信息表征了每个支付渠道的状态,其主要包含两种信息:QOS(Qualityof Service,服务质量)评分和额度评分。其中,QOS评分表征渠道的服务质量,额度评分表征了该支付渠道的剩余交易笔数和剩余额度。因此,在本申请中,获取每个支付渠道对应的渠道状态信息的具体方法为:获取每个支付渠道对应的QOS评分和额度评分。渠道的服务质量越高,其QOS评分越高。同样的,支付渠道的剩余交易笔数越多,剩余额度越高,额度评分也越高。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.
可以理解的是,获取支付渠道的QOS评分和额度评分的方法是可选的。It is understandable that the method of obtaining the QOS score and the quota score of the payment channel is optional.
而在本申请中,获取每个支付渠道对应的QOS评分的具体方法为:In this application, the specific method for obtaining the QOS score corresponding to each payment channel is:
获取每个支付渠道的接口流量、TPS(Transaction Per Second,每秒事务处理量)、渠道耗时超时和渠道掉单率。通过接口流量、TPS、渠道耗时超时和渠道掉单率计算出每个支付渠道的QOS状态分。根据支付渠道的QOS状态分对支付渠道进行第一排名。不同的排名赋予不同的QOS评分。根据支付渠道的第一排名确定支付渠道的QOS评分。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.
在本申请中,获取每个支付渠道对应的额度评分的具体方法为:In this application, the specific method for obtaining the quota score corresponding to each payment channel is as follows:
获取每个支付渠道的交易额度限制信息和交易笔数限制信息。通过交易额度限制信息和交易笔数限制信息计算出每个支付渠道的渠道限制状态分。根据支付渠道的渠道限制状态分对支付渠道进行第二排名。不同的排名赋予不同的额度评分。根据支付渠道的第二排名确定支付渠道的额度评分。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.
对于步骤S4:根据用户发送的支付请求中包含的支付金额信息自动计算出每个支付渠道对应的支付成本。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.
支付渠道的阶段性费率、保底手续费和封顶手续费根据渠道的不同而不同。比如不同银行之间交易转账存在不同的手续费,比如国内银行和国外银行渠道的手续费可能存在不同阶段费率,然而通常交易手续费都会有个保底手续费和封顶手续费。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.
具体而言,根据用户发送的支付请求中包含的支付金额信息自动计算出每个支付渠道对应的支付成本的具体方法为: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:
获取每个支付渠道对应的阶段性费率、保底手续费和封顶手续费。根据阶段性费率计算出预支付费用。具体地,预支付费用=支付金额*阶段性费率。将预支付费用与保底手续费和封顶手续费进行比较。若预支付费用小于保底手续费,则将保底手续费作为支付渠道的支付成本。若预支付费用大于封顶手续费,则将封顶手续费作为支付渠道的支付成本。若预支付费用大于等于保底手续费且小于等于封顶手续费,则将预支付费用作为支付渠道的支付成本。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.
对于步骤S5:根据每个支付渠道对应的支付成本和渠道状态信息综合判定选择出最优渠道。For step S5: comprehensively determine and select the optimal channel according to the payment cost and channel status information corresponding to each payment channel.
在本申请中,根据每个支付渠道对应的支付成本和渠道状态信息综合判定选择出最优渠道的具体方法为: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:
根据每个支付渠道对应的支付成本获取每个支付渠道对应的成本评分。根据QOS评分、额度评分、成本评分和预设的计算权重系数计算出每个支付渠道对应的渠道权重分。选择渠道权重分最高的支付渠道作为最优渠道。其中,计算权重系数为预先设定的QOS评分、额度评分、成本评分所对应的计算权重。具体地,渠道权重分=QOS评分*QOS权重比+额度评分*额度权重比+成本评分*成本权重比。系统可以根据优先等级对算权重系数进行设定。因此,优选地,在接收用户发送的支付请求之前,配置计算权重系数。在本申请中,QOS评分权重设置40%,交易限额权重设置10%,支付成本权重设置50%。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%.
可以理解的是,获取每个支付渠道对应的成本评分的方法是可选的。在本申请中,根据每个支付渠道对应的支付成本获取每个支付渠道对应的成本评分的具体方法为:根据每个支付渠道对应的支付成本对支付渠道进行第三排名。不同的排名赋予不同的成本评分。根据支付渠道的第三排名确定其对应的成本评分。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.
对于步骤S6:通过选择出的最优渠道进行支付。For step S6: make payment through the selected optimal channel.
可以理解的是,系统在选定最优渠道进行支付后还向用户返回支付结果。It is understandable that the system returns the payment result to the user after selecting the optimal channel for payment.
如图2所示,本申请还公开一种银行智能路由支付系统,用于实现前述的一种银行智能路由支付方法。其包含:接收模块、识别模块、获取模块、计算模块、支付模块、配置模块和校验模块。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.
具体而言,接收模块用于接收用户发送的支付请求,支付请求包含银行卡类别信息和支付金额信息。识别模块用于根据用户发送的支付请求中包含的银行卡类别信息自动识别出可用的支付渠道。获取模块用于获取每个支付渠道对应的渠道状态信息。计算模块用于根据用户发送的支付请求中包含的支付金额信息自动计算出每个支付渠道对应的支付成本。选择模块用于根据每个支付渠道对应的支付成本和渠道状态信息综合判定选择出最优渠道。支付模块用于通过选择出的最优渠道进行支付。配置模块用于配置计算权重系数。校验模块用于进行用户校验。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.
作为一种优选的实施方式,获取模块获取每个支付渠道对应的渠道状态信息的具体方法为:获取每个支付渠道对应的QOS评分。获取每个支付渠道对应的额度评分。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.
获取模块获取每个支付渠道对应的QOS评分的具体方法为:The specific method for the acquisition module to acquire the QOS score corresponding to each payment channel is as follows:
获取每个支付渠道的接口流量、TPS、渠道耗时超时和渠道掉单率。通过接口流量、TPS、渠道耗时超时和渠道掉单率计算出每个支付渠道的QOS状态分。根据支付渠道的QOS状态分对支付渠道进行第一排名。根据支付渠道的第一排名确定支付渠道的QOS评分。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.
获取模块获取每个支付渠道对应的额度评分的具体方法为:The specific method for the acquisition module to acquire the quota score corresponding to each payment channel is as follows:
获取每个支付渠道的交易额度限制信息和交易笔数限制信息。通过交易额度限制信息和交易笔数限制信息计算出每个支付渠道的渠道限制状态分。根据支付渠道的渠道限制状态分对支付渠道进行第二排名。根据支付渠道的第二排名确定支付渠道的额度评分。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.
作为一种优选的实施方式,选择模块根据每个支付渠道对应的支付成本和渠道状态信息综合判定选择出最优渠道的具体方法为:根据每个支付渠道对应的支付成本获取每个支付渠道对应的成本评分。根据QOS评分、额度评分、成本评分和预设的计算权重系数计算出每个支付渠道对应的渠道权重分。选择渠道权重分最高的支付渠道作为最优渠道。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.
作为一种优选的实施方式,获取模块根据每个支付渠道对应的支付成本获取每个支付渠道对应的成本评分的具体方法为:根据每个支付渠道对应的支付成本对支付渠道进行第三排名。根据支付渠道的第三排名确定其对应的成本评分。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.
作为一种优选的实施方式,计算模块根据用户发送的支付请求中包含的支付金额信息自动计算出每个支付渠道对应的支付成本的具体方法为:获取每个支付渠道对应的阶段性费率、保底手续费和封顶手续费。根据阶段性费率计算出预支付费用。将预支付费用与保底手续费和封顶手续费进行比较。若预支付费用小于保底手续费,则将保底手续费作为支付渠道的支付成本。若预支付费用大于封顶手续费,则将封顶手续费作为支付渠道的支付成本。若预支付费用大于等于保底手续费且小于等于封顶手续费,则将预支付费用作为支付渠道的支付成本。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.
关于银行智能路由支付系统的技术细节,可参考前述的银行智能路由支付方法的具体描述,此处不再赘述。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.
如图3所示为本申请的一种电子设备,包括存储器401和处理器402,所述存储器401用于存储一条或多条计算机指令,其中,所述一条或多条计算机指令被所述处理器402执行以实现上述的一种银行智能路由支付方法。As shown in FIG. 3, an electronic device according to the present application includes a
所属领域的技术人员可以清楚地了解到,为描述的方便和简洁,上述描述的电子设备的具体工作过程,可以参考前述方法实施例中的对应过程,在此不再赘述。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.
本申请还公开一种存储有计算机程序的计算机可读存储介质,所述计算机程序使计算机执行时实现如上述的一种银行智能路由支付方法。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.
具体而言,计算机程序可以被分割成一个或多个模块/单元,一个或者多个模块/单元被存储在存储器401中,并由处理器402执行,并由输入接口405和输出接口406完成数据的I/O接口传输,以完成本发明,一个或多个模块/单元可以是能够完成特定功能的一系列计算机程序指令段,该指令段用于描述计算机程序在计算机设备中的执行过程。Specifically, the computer program can be divided into one or more modules/units, one or more modules/units are stored in the
计算机设备可以是桌上型计算机、笔记本、掌上电脑及云端服务器等计算设备。计算机设备可包括,但不仅限于,存储器401、处理器402,本领域技术人员可以理解,本实施例仅仅是计算机设备的示例,并不构成对计算机设备的限定,可以包括更多或更少的部件,或者组合某些部件,或者不同的部件,例如计算机设备还可以包括输入器407、网络接入设备、总线等。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
处理器402可以是中央处理单元(Central Processing Unit,CPU),还可以是其他通用处理器402、数字信号处理器402(Digital Signal Processor,DSP)、专用集成电路(Application Specific Integrated Circuit,ASIC)、现成可编程门阵列(Field-Programmable Gate Array,FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器402可以是微处理器402或者该处理器402也可以是任何常规的处理器402等。The
存储器401可以是计算机设备的内部存储单元,例如计算机设备的硬盘或内存。存储器401也可以是计算机设备的外部存储设备,例如计算机设备上配备的插接式硬盘,智能存储卡(Smart Media Card,SMC),安全数字(Secure Digital,SD)卡,闪存卡(Flash Card)等,进一步地,存储器401还可以既包括计算机设备的内部存储单元也包括外部存储设备,存储器401用于存储计算机程序以及计算机设备所需的其他程序和数据,存储器401还可以用于暂时地存储在输出器408,而前述的存储介质包括U盘、移动硬盘、只读存储器ROM403、随机存储器RAM404、碟盘或光盘等各种可以存储程序代码的介质。The
以上显示和描述了本发明的基本原理、主要特征和优点。本行业的技术人员应该了解,上述实施例不以任何形式限制本发明,凡采用等同替换或等效变换的方式所获得的技术方案,均落在本发明的保护范围内。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)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN202210871640.4A CN115204859A (en) | 2022-07-22 | 2022-07-22 | Bank intelligent route payment method, system, equipment and storage medium |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN202210871640.4A CN115204859A (en) | 2022-07-22 | 2022-07-22 | Bank intelligent route payment method, system, equipment and storage medium |
Publications (1)
Publication Number | Publication Date |
---|---|
CN115204859A true CN115204859A (en) | 2022-10-18 |
Family
ID=83585008
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN202210871640.4A Pending CN115204859A (en) | 2022-07-22 | 2022-07-22 | Bank intelligent route payment method, system, equipment and storage medium |
Country Status (1)
Country | Link |
---|---|
CN (1) | CN115204859A (en) |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN107464108A (en) * | 2016-06-03 | 2017-12-12 | 上海点融信息科技有限责任公司 | The method and apparatus for automatically selecting channel of disbursement |
CN112308550A (en) * | 2020-10-30 | 2021-02-02 | 上海中通吉网络技术有限公司 | Routing engine device for bank card payment |
-
2022
- 2022-07-22 CN CN202210871640.4A patent/CN115204859A/en active Pending
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN107464108A (en) * | 2016-06-03 | 2017-12-12 | 上海点融信息科技有限责任公司 | The method and apparatus for automatically selecting channel of disbursement |
CN112308550A (en) * | 2020-10-30 | 2021-02-02 | 上海中通吉网络技术有限公司 | Routing engine device for bank card payment |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
EP3644264A1 (en) | Diagnostic device rental method, server, and storage medium | |
CN108711047B (en) | Automatic repayment method, system and terminal equipment | |
CN112712358B (en) | Recommendation method and device for non-inductive payment mode and terminal equipment | |
CN110705980A (en) | Method, device and storage medium for processing transaction payment operation based on data analysis | |
CN107833081A (en) | Automatic method for splitting, device, terminal device and the storage medium of a kind of invoice amount | |
CN110838031A (en) | A data operation method and device based on ABtest | |
CN111915417B (en) | Tax amount determining method and device and electronic equipment | |
TW201417008A (en) | Method and apparatus for processing resource returns | |
WO2018166145A1 (en) | Method and device for batch offering of repayment data | |
CN110378760B (en) | Data processing method and terminal equipment | |
CN110489705B (en) | Method, device, terminal equipment and storage medium for calculating brokerage fee | |
CN109636366A (en) | Payment funding method, user equipment, storage medium and device | |
CN115204859A (en) | Bank intelligent route payment method, system, equipment and storage medium | |
CN114387087A (en) | Method, device, electronic device and storage medium for dynamic allocation of credit line | |
CN109523245A (en) | It transfers accounts path recommended method and terminal device | |
CN113159790A (en) | Abnormal transaction identification method and device | |
CN117911143A (en) | Business processing method, device, computer storage medium and electronic device | |
CN114615097B (en) | Method and device for determining client paid bandwidth ratio and storage medium | |
CN113159912B (en) | Method and device for outputting positive and negative rest of reverse rest of stroke executed by electronic equipment | |
CN113706761B (en) | Voting method, device and storage medium for digital asset exchange platform | |
CN113645050B (en) | Large-traffic user ticket gradient merging method and device and computing equipment | |
CN113627909A (en) | Transaction fee payment method, device and storage medium based on block chain | |
CN115829700A (en) | Transaction fund channel selection method, device, equipment and storage medium | |
CN115357367B (en) | Expense payment task scheduling method and computer equipment | |
CN110300000A (en) | Charging mode variation, device, electronic equipment and readable storage medium storing program for executing |
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 |