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
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- 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
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- 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
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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
Technical Field
The invention belongs to the technical field of electronic payment, and particularly relates to an intelligent routing payment method, system, equipment and storage medium for a bank.
Background
The existing payment channels are relatively fixed, different payment channels need to be selected manually, and the selection of the existing payment channels usually lacks consideration on basic payment cost and procedure rate, so that the existing payment cannot decide the lowest payment cost through multi-channel payment rate; on the other hand, the use of the payment channel cannot be dynamically planned according to the flow of the payment channel, the transaction amount limit and the transaction amount limit.
Disclosure of Invention
The invention provides a bank intelligent route payment method, a system, equipment and a storage medium for solving the above mentioned technical problems, and the following technical scheme is specifically adopted:
an intelligent routing payment method for a bank comprises 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 an available payment channel according to the information of the bank card category contained in a payment request sent by a 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.
Further, the specific method for acquiring the channel state information corresponding to each payment channel includes:
acquiring a QOS score corresponding to each payment channel;
and obtaining the credit score corresponding to each payment channel.
Further, the specific method for obtaining 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.
Further, 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.
Further, 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;
determining the cost score corresponding to the payment channel according to the third ranking of the payment channel.
Further, 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 charge 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 capping commission, the prepayment payment is used as the payment cost of the payment channel.
Further, 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.
A bank intelligent route payment system comprising:
the payment system comprises a receiving module, a payment processing module and a payment processing module, wherein the receiving module is used for receiving a payment request sent by a user, and the payment request comprises bank card category 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 payment amount information contained in a payment request sent by a 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.
Further, a specific method for the acquisition module to acquire the channel state information corresponding to each payment channel is as follows:
acquiring a QOS score corresponding to each payment channel;
and obtaining the credit score corresponding to each payment channel.
Further, the specific method for the acquisition module to acquire the QOS score corresponding to each payment channel is as follows:
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 according to 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 acquiring the credit score corresponding to each payment channel by the acquisition module 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.
Further, the specific method for comprehensively judging and selecting the optimal channel by the selection module according to the payment cost corresponding to each payment channel and the channel state information is as follows:
acquiring 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.
Further, the specific method for the acquisition module to acquire the cost score corresponding to each payment channel according to the payment cost corresponding to each payment channel is as follows:
performing third ranking on the payment channels according to the payment cost corresponding to each payment channel;
determining the cost score corresponding to the payment channel 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 payment channel according to the payment amount information contained in the payment request sent by the user is as follows:
acquiring a stage rate, a guaranteed-base commission charge and a capping commission charge 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 charge 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 capping commission, the prepayment payment is used as the payment cost of the payment channel.
Further, the bank intelligent routing payment system further comprises:
a configuration module for configuring the calculation weight coefficient;
and the checking module is used for checking the user.
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 executable by the processor to implement a bank intelligent route payment method of any of the foregoing.
A computer readable storage medium storing a computer program which, when executed, causes a computer to implement a method of bank intelligent route payment as described in any one of the preceding.
The bank intelligent route payment method, the system, the equipment and the storage medium have the advantages that 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.
The bank intelligent route payment method, the system, the equipment and the storage medium have the advantages that dynamic and flexible planning is carried out through QOS channel quality monitoring, payment cost calculation and dynamic weight, the stability of a payment channel is improved, and the payment cost of an enterprise is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the description below are only some embodiments of the present application, and for those skilled in the art, other drawings may be obtained according to these drawings without inventive labor.
FIG. 1 is a flow chart of a bank intelligent routing payment method of the present invention;
FIG. 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 for implementing a bank intelligent routing payment method according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present application will be described clearly and completely with reference to the accompanying drawings, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The terms "first," "second," and the like in the claims and in the description of the present application are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order, it being understood that the terms so used are interchangeable under appropriate circumstances and are merely used to describe a distinguishing manner between similar elements in the embodiments of the present application and that the terms "comprising" and "having" and any variations thereof are intended to cover a non-exclusive inclusion such that a process, method, system, article, or apparatus that comprises a list of elements is not necessarily limited to those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
Fig. 1 shows an intelligent routing payment method for a bank according to the present application, which includes the following steps: s1: and receiving a payment request sent by a user, wherein the payment request comprises bank card type information and payment amount information. S2: and automatically identifying available payment channels according to the bank card category information contained in the payment request sent by the user. S3: and acquiring channel state information corresponding to each payment channel. S4: and 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. S5: and comprehensively judging and selecting an optimal channel according to the payment cost and channel state information corresponding to each payment channel. S6: and paying through the selected optimal channel. Through the steps, the bank intelligent route payment method can calculate the optimal channel payment mode by acquiring different payment fees of different payment channels and states of the payment channels, and reduces payment cost through payment route configuration. The above steps are specifically described below.
For step S1: and receiving a payment request sent by a user, wherein the payment request comprises bank card type information and payment amount information.
Specifically, the action of transferring accounts through the bank card is initiated by the user, and the system subsequently performs a series of judgment and calculation according to a payment request submitted by the user so as to obtain an optimal payment channel.
When a user initiates a payment request, the payment request comprises information of the category of the bank card and information of payment amount. It is understood that the payment request initiated by the user may be one time, and the one-time payment request includes the information of the bank card category and the payment amount at the same time. As another alternative, the user may initiate two payment requests, the first payment request includes the information of the bank card category, and the second payment request includes the information of the payment amount. The payment method can be specifically set according to the actual operation flow of the system, and is not limited in the application.
As a preferred embodiment, after receiving the payment request sent by the user, before proceeding to the next step S2, a user check is performed to determine whether the bank card to be paid is the owner. The specific verification method is not limited in the present invention. And only after the verification is successful, the next operation is executed.
For step S2: and automatically identifying an available payment channel according to the information of the bank card category 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, and therefore, it is first necessary to automatically identify an available payment channel according to the information of the bank card category of the bank card to be paid currently. Meanwhile, since the number of transactions or the transaction amount of some payment channels reaches the upper limit, the channels need to be removed.
For step S3: and acquiring channel state information corresponding to each payment channel.
Channel status information characterizes the status of each payment channel, which mainly contains two kinds of information: QOS (Quality of Service) score and credit score. The QOS score represents the service quality of the channel, and the credit score represents the number of remaining transactions and the remaining credit of the payment channel. Therefore, in the present application, a specific method for acquiring channel status information corresponding to each payment channel is as follows: and obtaining the QOS score and the quota score corresponding to each payment channel. The higher the quality of service of a channel, the higher its QOS score. Similarly, the more transactions remaining in the payment channel, the higher the remaining credit and the higher the credit score.
It is understood that the method of obtaining the QOS score and the credit score of the payment channel is optional.
In the application, the specific method for acquiring the QOS score corresponding to each payment channel is as follows:
and acquiring the interface flow, TPS (Transaction Per Second), channel time-consuming overtime and channel order-dropping rate of each payment channel. And 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. And performing first ranking on the payment channels according to the QOS states of the payment channels. Different rankings give different QOS scores. And determining a QOS score of the payment channel according to the first ranking of the payment channel.
In the application, the specific method for obtaining the credit score corresponding to each payment channel comprises the following steps:
and acquiring the transaction limit information and the transaction number limit information of each payment channel. And calculating the channel limit state score of each payment channel according to the transaction limit information and the transaction number limit information. And performing second ranking on the payment channels according to the channel limit status scores of the payment channels. Different ranks give different credit scores. And determining the credit score of the payment channel according to the second ranking of the payment channel.
For step S4: and 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 stage rate, guaranteed royalty, and capped royalty for a payment channel vary from channel to channel. For example, different handling fees may exist for the transfer of transactions between different banks, for example, handling fees for domestic and foreign banking channels may have different stage rates, whereas transaction handling fees generally have a flat and flat 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:
and acquiring the stage rate, the guaranteed-base commission and the capping commission corresponding to each payment channel. Calculating the pre-payment fee according to the stage rate. Specifically, prepaid charging is = payment amount · staged rate. The pre-paid fee is compared to the flat and top commission. If the prepayment charge is less than the guaranteed flat charge, the guaranteed flat charge is used as the payment cost of the payment channel. If the prepayment charge is larger than the capping charge, the capping charge is used as the payment cost of the payment channel. If the prepayment payment is more than or equal to the guaranteed-base commission charge and less than or equal to the closed-top commission charge, the prepayment payment is used as the payment cost of the payment channel.
For step S5: and comprehensively judging and selecting an optimal channel according to the payment cost and channel state information corresponding to each payment channel.
In the application, the specific method for comprehensively judging and selecting the optimal channel according to the payment cost and the channel state information corresponding to each payment channel comprises the following steps:
and obtaining the cost score corresponding to each payment channel according to the payment cost corresponding to each payment channel. And calculating the channel weight score corresponding to each payment channel according to the QOS score, the credit 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. Wherein, the calculation weight coefficient is the calculation weight corresponding to the preset QOS score, the quota score and the cost score. Specifically, the channel weight score = QOS score + credit score + cost weight ratio. The system can set the calculation weight coefficient according to the priority level. Therefore, it is preferable to configure to calculate the weight coefficient before receiving the payment request sent by the user. In the present application, the QOS scoring weight is set to 40%, the transaction limit weight is set to 10%, and the payment cost weight is set to 50%.
It will be appreciated that the method of obtaining a cost score for each payment channel is optional. In the application, 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: and performing third ranking on the payment channels according to the payment cost corresponding to each payment channel. Different rankings give different cost scores. And determining the corresponding cost score according to the third ranking of the payment channel.
For step S6: and paying through the selected optimal channel.
It will be appreciated that the system also returns payment results to the user after selecting the optimal channel to make the payment.
As shown in fig. 2, the present application further discloses an intelligent bank routing payment system, which is used for implementing the intelligent bank routing payment method. Which comprises the following steps: the system comprises 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 used for receiving a payment request sent by a user, wherein the payment request comprises information of the category of the bank card and information of payment amount. The identification module is used for automatically identifying available payment channels according to the bank card category information 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 and the channel state information corresponding to each payment channel. And the payment module is used for paying through the selected optimal channel. The configuration module is used for configuring and calculating the weight coefficient. The checking module is used for checking the user.
As a preferred embodiment, the specific method for the acquisition module to acquire the channel state information corresponding to each payment channel is as follows: and acquiring the QOS score corresponding to each payment channel. And obtaining the credit score corresponding to each payment channel.
The specific method for the acquisition module to acquire the QOS score corresponding to each payment channel comprises the following steps:
and acquiring the interface flow, TPS, channel time-consuming overtime and channel order-losing rate of each payment channel. And 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. And performing first ranking on the payment channels according to the QOS state of the payment channels. And determining the QOS score of the payment channel according to the first ranking of the payment channel.
The specific method for acquiring the credit score corresponding to each payment channel by the acquisition module comprises the following steps:
and acquiring the transaction limit information and the transaction number limit information of each payment channel. And calculating the channel limit state score of each payment channel according to the transaction limit information and the transaction number limit information. And 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.
As a preferred embodiment, the specific method for the selection module to comprehensively determine and select the optimal channel according to the payment cost and the channel state information corresponding to each payment channel is as follows: and acquiring a cost score corresponding to each payment channel according to the payment cost corresponding to each payment channel. And calculating the channel weight score corresponding to each payment channel according to the QOS score, the credit 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.
As a preferred embodiment, the specific method for acquiring, by the acquisition module, the cost score corresponding to each payment channel according to the payment cost corresponding to each payment channel includes: and performing third ranking on the payment channels according to the payment cost corresponding to each payment channel. And determining the corresponding cost score according to the third ranking 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 as follows: and acquiring the stage rate, the guaranteed-base commission and the capping commission corresponding to each payment channel. Calculating the pre-payment fee according to the stage rate. The pre-paid fee is compared to the flat and top commission. If the prepayment charge is less than the guaranteed flat charge, the guaranteed flat charge is used as the payment cost of the payment channel. If the prepayment charge is larger than the capping charge, the capping charge is used as the payment cost of the payment channel. If the prepayment payment is more than or equal to the guaranteed-base commission charge and less than or equal to the closed-top commission charge, the prepayment payment is used as the payment cost of the payment channel.
For the technical details of the bank intelligent route payment system, reference may be made to the foregoing detailed description of the bank intelligent route payment method, which is not described herein again.
Fig. 3 shows an electronic device of the present application, which includes a memory 401 and a processor 402, where the memory 401 is configured to store one or more computer instructions, and the one or more computer instructions are executed by the processor 402 to implement a bank intelligent route payment method as described above.
It can be clearly understood by those skilled in the art that, for convenience and simplicity of description, the specific working process of the electronic device described above may refer to the corresponding process in the foregoing method embodiment, and details are not described herein again.
The application also discloses a computer readable storage medium storing a computer program, and the computer program enables a computer to implement the bank intelligent route payment method when executed.
In particular, the computer program may 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 input interface 405 and the output interface 406 perform I/O interface transmission of data to complete the present invention, and one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, the instruction segments describing the execution process of the computer program in the computer device.
The computer device may be a desktop computer, a notebook, a palmtop computer, a cloud server, or other computing device. The computer device may include, but is not limited to, the memory 401 and the processor 402, and those skilled in the art will appreciate that the present embodiment is only an example of the computer device and does not constitute a limitation of the computer device, and may include more or less components, or combine some components, or different components, for example, the computer device may further include the input device 407, a network access device, a bus, etc.
The Processor 402 may be a Central Processing Unit (CPU), other general purpose Processor 402, a Digital Signal Processor 402 (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. The general purpose processor 402 may be a microprocessor 402 or the processor 402 may be any conventional processor 402 or the like.
The storage 401 may be an internal storage unit of the computer device, such as a hard disk or a memory of the computer device. The memory 401 may also be an external storage device of the computer device, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), etc. provided on the computer device, and further, the memory 401 may also include both an internal storage unit and an external storage device of the computer device, the memory 401 is used for storing computer programs and other programs and data required by the computer device, the memory 401 may also be used for temporarily storing in the output device 408, and the aforementioned storage Media include various Media capable of storing program codes, such as a usb disk, a removable hard disk, a ROM403, a RAM404, a disk, or an optical disk.
The foregoing illustrates and describes the principles, general features, and advantages of the present invention. It should be understood by those skilled in the art that the above embodiments do not limit the present invention in any way, and all technical solutions obtained by using equivalent alternatives or equivalent variations fall within the 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.
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 |
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| CN202210871640.4A CN115204859A (en) | 2022-07-22 | 2022-07-22 | Bank intelligent route payment method, system, equipment and storage medium |
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