CN116739571A - Intelligent route regulation and control method, system, computer equipment and storage medium - Google Patents
Intelligent route regulation and control method, system, computer equipment and storage medium Download PDFInfo
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Abstract
The application relates to the technical field of payment route regulation and control, and particularly discloses an intelligent route regulation and control method, a system, computer equipment and a storage medium, wherein the method comprises the following steps: defining a payment route regulation dimension; defining a management order receiving mechanism, a management order receiving service, an order receiving merchant and a terminal, wherein the management order receiving mechanism, the management order receiving service, the order receiving merchant and the terminal comprise specific parameters of the regulation dimension; and screening out the business payment route according to the regulation dimension, and uploading the business.
Description
Technical Field
The present application relates to the field of payment routing control technologies, and in particular, to an intelligent routing control method, system, computer device, and storage medium.
Background
The intelligent payment route regulation and control refers to an optimal selection strategy for a payment channel, a payment mode, a merchant and the like according to an actual service scene in the payment process. The business scene side companies are directly connected with banks or channels of payment companies, because the rates are different, the merchant quality is good or bad, the settlement invalidation is different, the upstream service efficiency is also uneven, more companies can access a plurality of payment channels in order to establish a stable and efficient transaction platform, apply merchant numbers for merchants in a plurality of channels to make up for the defects of merchant quality and system stability, gradually establish a standby channel and a merchant pool, then determine which payment channel to walk and which merchant number to use for transaction according to transaction scenes, and the early routing model is the business scene. Along with the continuous improvement of payment technology, increasingly abundant transaction scenes and gradually personalized customer demands, different requirements are also provided for transaction amount, procedure rate, card type, service time, transaction mode, fund position, settlement period, marketing event condition and the like besides transaction channel and merchant quality, and priority processing is also required, so that a business scene party company is forced to gradually perfect a routing system and establish a routing rule suitable for own business.
As a business scene party company with huge business volume, the system mainly provides stable and convenient payment service for merchants and platforms. Therefore, each business scenario party company can often access a plurality of payment channels, so that a certain payment channel is prevented from being faulty, and user payment experience is reduced.
The payment channel capability behind the payment capability is uneven, and the service capability, the supported payment mode, the stability and the price cost supported by each payment channel are different, which is specifically expressed as follows:
the stable high payment channel has high price, and the supported payment mode is not necessarily complete;
the low-price payment channel has the problems of insufficient system stability or other disadvantages;
the payment channels with moderate prices are few in some supported banks, and even the supported banks are different from each other;
the stability is moderate, the service attitude is good, and a plurality of payment modes are not supported;
based on the above, the payment mechanism or the business scenario party company needs to comprehensively consider to design a set of intelligent payment route for regulation and control, and the value of the payment route is also shown in the following points:
the channel diversity is ensured; the comprehensive service capability is improved; providing a multi-payment channel; providing a multi-payment mode; ensuring user experience, reducing user damage to the minimum when a payment channel goes wrong, and ensuring consistency of external user experience; channel cost is reduced, and income is indirectly increased; the operation is convenient, the manual operation cost is reduced, and the operation work efficiency is provided.
The solutions on the market have the following drawbacks:
1. the labor input cost is high: as company business is continuously increased, daily-increase transaction amount is continuously increased, and manual intervention is required to be input to switch a payment channel or a payment mode;
2. the route optimal mode is difficult to select: manual work can only reversely find out that the route has abnormal problems according to the platform transaction condition, and the optimal payment channel or payment mode can not be judged quickly through data;
3. poor stability, affecting the actual business: because the human intervention consumes a long time, intervention is often performed after the platform transaction stability is abnormal, so that the platform transaction amount and the company income are influenced;
4. the benefit is not maximized: the channel cost, stability and preferential policy cannot be judged in real time, and high-cost payment channels and payment modes are frequently used, and a payment channel with the best cost performance is not selected;
5. different business payment route management confusion: the payment method and the payment channel are not uniformly managed, so that manual management is difficult.
Disclosure of Invention
The application provides an intelligent route regulation and control method, an intelligent route regulation and control system, computer equipment and a storage medium, so as to ensure channel diversity; the comprehensive service capability is improved; providing a multi-payment channel; providing a multi-payment mode; ensuring user experience, reducing user damage to the minimum when a payment channel goes wrong, and ensuring consistency of external user experience; channel cost is reduced, and income is indirectly increased; the operation is convenient, the manual operation cost is reduced, and the operation work efficiency is provided.
In a first aspect, the present application provides an intelligent route regulation method, the method comprising:
defining a payment route regulation dimension;
defining a management order receiving mechanism, a management order receiving service, an order receiving merchant and a terminal, wherein the management order receiving mechanism, the management order receiving service, the order receiving merchant and the terminal comprise specific parameters of the regulation dimension;
screening out business payment routes according to the regulation dimension, and uploading the business payment routes to a delivery party;
wherein the regulatory dimension includes transaction amount, support card type, merchant factor, channel factor, support merchant type, transaction success rate, settlement cost, support settlement time, support settlement period, support settlement account type, activity commission policy and settlement success rate,
and the regulation dimension content is provided with different priorities, and payment routes are sequentially screened according to the order of the priorities from high to low, so that the service payment routes are determined.
In a second aspect, the present application also provides an intelligent route regulation system, the system comprising:
the dimension definition unit is used for defining a payment route regulation dimension;
the management definition unit is used for defining a management order receiving mechanism, a management order receiving service, an order receiving merchant and a terminal, wherein the management order receiving mechanism, the management order receiving service, the order receiving merchant and the terminal comprise specific parameters of the regulation dimension;
and the regulation rule unit is used for screening out the business payment route according to the regulation dimension and uploading the business.
In a third aspect, the present application also provides a computer device comprising a memory and a processor; the memory is used for storing a computer program; the processor is configured to execute the computer program and implement the intelligent route regulation and control method as described above when executing the computer program.
In a fourth aspect, the present application also provides a computer readable storage medium storing a computer program, where the computer program when executed by a processor causes the processor to implement an intelligent route control method as described above.
The application discloses an intelligent route regulation and control method, an intelligent route regulation and control system, intelligent route regulation and control equipment and a storage medium. The method can ensure the consistency of user experience, reduce channel cost and indirectly improve income; the operation is convenient, the manual operation cost is reduced, and the operation work efficiency is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic flow chart of an intelligent route regulation method provided by an embodiment of the application;
fig. 2 is a schematic diagram of an intelligent payment route control and early warning interface according to an embodiment of the present application;
FIG. 3 is a schematic block diagram of an intelligent routing control system according to an embodiment of the present application;
fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The flow diagrams depicted in the figures are merely illustrative and not necessarily all of the elements and operations/steps are included or performed in the order described. For example, some operations/steps may be further divided, combined, or partially combined, so that the order of actual execution may be changed according to actual situations.
The embodiment of the application provides an intelligent route regulation and control method, an intelligent route regulation and control system, computer equipment and a storage medium. Some embodiments of the present application are described in detail below with reference to the accompanying drawings. The following embodiments and features of the embodiments may be combined with each other without conflict.
Referring to fig. 1, fig. 1 is a schematic flow chart of an intelligent route control method according to an embodiment of the present application. The method comprises the steps of S1 to S3.
S1, defining a payment route regulation dimension.
The payment route is used as a core functional module of the payment system, and the important point is how to design the payment route according to the routing rule. The payment route is considered according to various comprehensive factors of the user side, the merchant side and the channel side so as to provide the most suitable payment channel for the user. For example, according to the routing rules such as transaction limit, card type, account-arrival timeliness and the like of the payment channel, the payment channel is quantized into route price adjustment, weight judgment is carried out, dynamic priority judgment of the payment channel is carried out according to intelligent route adjustment and control, and then an optimal payment channel is screened out.
The dimensions of regulation include: transaction amount, support card type, merchant factor, channel factor, support merchant type, transaction success rate, settlement cost, support settlement time, support settlement period, support settlement account type, activity commission policy, settlement success rate, etc. The content of the regulatory dimension is provided with different priorities, and payment routes are screened in sequence according to the order of the priorities from high to low, so that the business payment routes are determined
Specifically, the transaction amount: and judging the channel supporting range according to the actual amount, and preferentially using the channel supporting the transaction amount range. Different amounts may be at different rates. Channels with lower rates are preferentially used.
For example: the A channel supports transaction amount interval of 0-500 and rate of 0.3%. The B channel pays 0-1000,0-500 rate 0.38%,500-1000 rate 0.3% of transaction amount interval. According to the regulation dimension, the channel A is preferentially used in the transaction 500 yuan, and the channel B is preferentially used more than 500 yuan.
Support card type: the more card types are supported, the longer the support platform and merchant service time. For example: the A channel pays the debit card, and the B channel supports the debit card, credit card, and express card. And judging whether the A channel or the B channel is used according to the routing proportion of the AB channel when the debit card is used according to the using habit of the user, and uploading the debit card and the traffic card when the debit card is used by the user.
Merchant industry type: and delivering the transaction accurately according to the actual industry types of the merchants. For example: and if the merchant industry is catering, accurately acquiring the order-receiving merchant according to the type of the merchant industry and carrying out uploading transaction.
Merchant transaction area: and accurately uploading the transaction according to the actual positioning of the merchant. For example: the transaction positioning is Shenzhen city, and the merchant positioning accurately obtains the order-receiving merchant to carry out the uploading transaction.
Transaction period: the longer the support period, the longer the support platform and merchant service time. For example: the A channel support transaction time is as follows: 00:00:00-23:59:59, B channel support transaction time is: 00:00:00-20:00:00. And the merchant judges the routing proportion of the AB channel to carry out up-transfer transaction at the ratio of 10:00:00, and the A channel is up-transferred when the user carries out the 23:00:00 transaction.
Transaction costs, for example: channel a rate: 0.38% channel b 0.42% channel c 0.50% with preference for low cost rate channel a.
Support merchant types: the more account types that are supported, the more comprehensive the support platform and merchant service coverage. For example: channel A only supports small micro-merchants, and channel B only supports individuals and business merchants; the small micro merchant transactions are sent to the channel A, and the individual and business merchant transactions are sent to the channel B preferentially.
Success rate of transaction: the higher the success rate, the better the overall business operation experience for the platform or the merchant. For example: the success rate of the transaction of the channel A is 98 percent and the success rate of the transaction of the channel B is 90 percent through clear analysis of system data. Then request channel a is prioritized in the same transaction scenario;
settlement cost: the lower the cost, the relatively reduced the corresponding corporate expenditure. For example: the settlement cost of the channel A is 10 yuan/pen, and the settlement cost of the channel B is 5 yuan/pen. In the same case, request B channel is prioritized.
Support settlement time: the longer the support period, the longer the support platform and merchant service time. For example: the A channel support settlement time is 24 hours in the whole day, and the B channel support settlement time is 10 am to ten pm. And preferentially requesting the channel A from ten hours at night to ten hours on the next day, and uploading the channel A according to the AB route proportion in other time periods.
Support settlement period: the more support time periods, the longer the support platform and merchant service time. For example: the A channel supports S0 settlement, the B channel supports T1, the A channel is preferentially sent when the real-time settlement transaction is needed, and the B channel is sent when the settlement is needed next day.
Support settlement account types: the more account types supported for settlement, the more comprehensive the support platform and merchant service coverage. For example: the A channel supports S0 settlement, the B channel supports T1, the A channel is preferentially sent when the real-time settlement transaction is needed, and the B channel is sent when the settlement is needed next day.
Activity commission policy: the higher the return, the greater the revenue for the company under otherwise equivalent conditions. For example: channel a supports transaction commission and channel B does not support, requiring transactions to be sent up channel a preferentially.
Settlement success rate: the higher the success rate, the higher the priority. For example: the settlement success rate of the channel A is 98% and the settlement success rate of the channel B is 90% through clear analysis of system data. In the same transaction case, request a channel is prioritized.
It should be noted that the regulatory dimension is not limited to the above-mentioned multiple types, and other routing dimensions can be gradually increased according to the system analysis, and the regulatory factor can be intelligently increased through the system analysis to optimize the regulatory dimension.
S2, defining a management order receiving mechanism, management order receiving service, an order receiving merchant and a terminal, wherein the management order receiving mechanism, the management order receiving service, the order receiving merchant and the terminal comprise specific parameters of the regulation dimension.
Specifically, the acquiring mechanism refers to a banking financial mechanism which is used for acquiring a banking card acquiring service, acquiring a payment service license, providing a banking card for a merchant to accept and completing a fund settlement service. The acquirer is defined to be capable of accurately managing service capabilities according to related services provided by the acquirer, such as supporting payment modes, settlement periods, card types and the like.
The acquiring service refers to specific payment service capability accessed by an acquiring mechanism, and defines relevant service capability such as open time and transaction quota corresponding to the payment capability.
The definition acquirer refers to a merchant which has an acceptance agreement with an acquirer, accepts a bank card according to the definition and entrusts the acquirer to finish transaction funds settlement for the merchant, and defines effective service payment route intelligent regulation and control such as transaction limit, payment transaction time, limit and the like of the specific merchant.
S3, screening out business payment routes according to the regulation dimension, and uploading the business.
Specifically, screening is performed according to a preset regulation dimension sequence, for example, the priority of the regulation dimension is transaction time > transaction amount > merchant industry type. The transaction time for one transaction is 9:00, the amount of money is 3000 yuan, the industry is the building industry, then screen the trade time first, accord with time 9:00 can carry out the receipts mechanism of trade, for example screen out 20 receipts mechanisms; then, among the 20 screened acquirers, the acquirers with 3000 units of transaction amount are screened, for example, 10 acquirers are screened; and finally screening the types of the commercial tenant industries, and continuing to screen the acquiring mechanisms of industries including the construction industry from 10 screened industries, thereby screening at least one optimal business payment route. It will be appreciated that the priority order of the regulatory dimension may be adjusted, for example, the priority of transaction time > transaction amount > merchant industry type is adopted from 1 month to 6 months in 2023, data analysis is performed at the end of 6 months, the fault rate of the transaction is found to be higher, the priority of the regulatory dimension is changed, and the priority is modified to be transaction time > merchant industry type > transaction amount in 2023, 7 months to 12 months, at this time, the transaction time is screened, the merchant industry type is screened, and finally the transaction amount is screened.
In some embodiments, when the service payment routes are selected to be multiple, one service payment route is randomly selected, and the transaction is uploaded.
In some embodiments, when the business payment route is screened out according to the regulatory dimension and the transaction is uploaded, if the transaction is not within the regulatory dimension,
randomly acquiring an order-receiving merchant according to the transaction positioning and the nearest priority of the position to carry out uploading transaction;
or randomly acquiring the order-receiving merchant to carry out uploading transaction;
or block transactions.
For example, the basic regulation rules of the payment route of the bank card are as follows:
the payment configures a plurality of transaction time groups, and when a transaction time interval does not exist, a receiving merchant randomly acquires a nearest priority according to the position of the city, the province and the province according to the transaction positioning to carry out uploading transaction;
a time group corresponds to a plurality of transaction amount intervals, and when the transaction amount intervals do not exist, the transaction positions are randomly acquired according to the nearest priority of the position of the city province to be sent to the transaction receiving merchant for carrying out the uploading transaction;
and supporting a plurality of types of the bill-collecting merchants in a transaction amount interval, and randomly acquiring the bill-collecting merchants according to the nearest priority of the position of the city province according to the transaction positioning when the types of the bill-collecting merchants do not exist to carry out uploading transaction.
It should be noted that, the limit conditions of the bank card transaction and the internet transaction are different, so there is a certain difference in the design of the payment route regulation dimension. For example, in a transaction of a bank card, the location of the transaction needs to be determined, and the transaction needs to be strictly distinguished from an industry to carry out an uploading transaction, and in an internet transaction, the location of the transaction does not need to be determined. The following examples illustrate bank card transactions and internet transactions.
The following is a specific procedure of the bank card transaction, which includes steps S301 to S307 including:
s301, starting to swipe a card, judging whether the card is activated for the first time, if yes, performing S306, and if not, proceeding to step S302.
S302, acquiring accurate transaction address positioning, and if the acquisition is unsuccessful, randomly acquiring a receipt merchant according to the nearest priority of the position of the city province according to the registered place operation address to carry out uploading transaction; if the acquisition is successful, the process proceeds to step S303.
S304, judging whether the transaction time interval is in the transaction time interval, if so, proceeding to step S305, otherwise proceeding to step S307.
S305, judging whether the transaction amount interval is in the transaction amount interval, if so, proceeding to step S306, otherwise proceeding to step S307.
S306, judging whether an acquiring merchant exists in the industry priority, if so, randomly acquiring the acquiring merchant from the industry acquiring merchant according to the nearest priority of the position of the city province to carry out uploading transaction; if not, randomly acquiring the order receiving merchant from the order receiving merchant to carry out uploading transaction; the acquiring of the order-receiving merchant is successful, and the transaction is ended.
S307, randomly acquiring the acquiring merchant according to the nearest priority of the position of the city province in the acquiring merchant to carry out uploading transaction, wherein the acquiring merchant is successful in acquiring the acquiring transaction, and the transaction is ended.
The following is an embodiment of the internet payment routing regulation rule at the time of internet transaction, which includes steps S31-S34.
S31, starting payment, judging a payment mode of a merchant, and determining a corresponding transaction initiating merchant; the method comprises the steps of carrying out a first treatment on the surface of the
S32, according to the business side merchant, initiating a payment mode to associate the order receiving mechanism and the corresponding order receiving service, and according to the route regulation dimension, inquiring the payment route to associate the order receiving service;
s33, the assembly merchant information and the transaction information parameters send a payment request to a payment channel;
the merchant information comprises a merchant name and a merchant number, and the transaction information comprises a transaction order number, a transaction amount, a settlement mode, a transaction fee, a settlement fee and a transaction mode.
S34, processing the response message of the payment channel and returning the response message to the service party.
In some embodiments, the method further includes step S4, intelligent regulation and control early warning of payment route.
Specifically, when the number of continuous failure of the transaction order or the number of accumulated failure of the transaction order exceeds a preset value, an early warning prompt message or other prompt information is issued. As shown in fig. 2, the "acquiring mechanism" and the "acquiring service" and the "x" are variables, the acquiring service is based on the actual triggering of the early warning acquiring service, the acquiring mechanism acquires the name and number of the corresponding acquiring mechanism according to the acquiring service, and the acquiring mechanism occupies the number of failed acquiring service/total transaction number;
and after triggering the early warning event, recording the early warning event and simultaneously issuing an early warning short message. And in the buffer time, triggering for multiple times does not send the early warning short message. * For the necessary entry, the monitoring is not started when the unbuffering time value is 0, and if the unbuffering time is 0, the buffer is not buffered.
The early warning receiver supports to select relevant users according to the authority configuration structure, and sends short messages, system station internal messages and public number notices according to the mobile phone numbers of the users; all early warning needs to be recorded;
when we trigger the intelligent regulation and control early warning of the payment route for multiple times, the priority is judged according to the intelligent regulation and control factor of the payment route to carry out the up-delivery transaction, and the order receiving mechanism and the order receiving service with the highest cost performance are selected under the condition of ensuring the success of the transaction;
for example: and (3) early warning value setting: within 30 minutes of a transaction order of a bank or POS card swiping, 100 data are failed to be connected, the data account for 3 percent, and the data are processed as soon as possible. The buffer time was 10 minutes;
when the whole platform walks through the channel, the whole station pushes the early warning to the catcher as long as 100 orders fail continuously within 30 minutes. And after the continuous triggering is carried out for 3 times, directly shutting down the POS card swiping transaction uploading channel of a certain bank, and selecting other channels according to the priority of the payment route.
Because the intelligent route regulation and control method can be applied to the terminal or the server, the trained model needs to be stored in the terminal or the server. The terminal can be electronic equipment such as a mobile phone, a tablet personal computer, a notebook computer, a desktop computer, a personal digital assistant, wearable equipment and the like; the servers may be independent servers or may be server clusters.
If the method is applied to the terminal, in order to ensure the normal operation of the terminal, the model obtained through training is also required to be compressed, and the model after the compression is stored in the terminal.
According to the intelligent route regulation and control method provided by the embodiment, the payment route regulation and control dimension is defined, the priority is judged according to the plurality of dimensions, and an optimal payment route path is screened from the priority; defining a management order receiving mechanism; defining management order receiving service; defining a bill receiving merchant and a terminal; the intelligent regulation and control rule of the business payment route is set so as to improve the comprehensive service capability; providing a multi-payment channel; providing a multi-payment mode; ensuring user experience, reducing user damage to the minimum when a payment channel goes wrong, and ensuring consistency of external user experience; channel cost is reduced, and income is indirectly increased; the operation is convenient, the manual operation cost is reduced, and the operation work efficiency is provided.
Referring to fig. 3, fig. 3 is a schematic block diagram of an intelligent routing control system according to an embodiment of the present application, where the system may be configured in a server for executing the foregoing intelligent routing control method.
As shown in fig. 3, the system 200 includes: dimension definition unit 201, management definition unit 202, and regulation rule unit 203.
A dimension definition unit 201, configured to define a payment route adjustment dimension.
The management definition unit 202 is configured to define a management order receiving mechanism, a management order receiving service, an order receiving merchant, and a terminal, where the management order receiving mechanism, the management order receiving service, the order receiving merchant, and the terminal include specific parameters of the regulatory dimension.
The regulation rule unit 203 is configured to screen out a service payment route according to a regulation dimension, and send up a transaction.
The regulation dimension comprises transaction amount, support card type, merchant factor, channel factor, support merchant type, transaction success rate, settlement cost, support settlement time, support settlement period, support settlement account type, activity commission policy and settlement success rate.
It should be noted that, for convenience and brevity of description, the specific working process of the above-described system and each unit may refer to the corresponding process in the foregoing method embodiment, which is not described herein again.
The system described above may be implemented in the form of a computer program which is executable on a computer device as shown in fig. 4.
Referring to fig. 4, fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present application. The computer device may be a server or a terminal.
With reference to FIG. 4, the computer device includes a processor, memory, and a network interface connected by a system bus, where the memory may include a non-volatile storage medium and an internal memory.
The non-volatile storage medium may store an operating system and a computer program. The computer program includes program instructions that, when executed, cause the processor to perform any one of the intelligent route regulation methods.
The processor is used to provide computing and control capabilities to support the operation of the entire computer device.
The internal memory provides an environment for the execution of a computer program in a non-volatile storage medium that, when executed by a processor, causes the processor to perform any one of the intelligent route regulation methods.
The network interface is used for network communication such as transmitting assigned tasks and the like. It will be appreciated by persons skilled in the art that the architecture shown in fig. 4 is merely a block diagram of some of the architecture relevant to the present inventive arrangements and is not limiting as to the computer device to which the present inventive arrangements are applicable, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
It should be appreciated that the processor may be a central processing unit (Central Processing Unit, CPU), but may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), off-the-shelf programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. Wherein the general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
Wherein in one embodiment the processor is configured to run a computer program stored in the memory to implement the steps of:
defining a payment route regulation dimension;
defining a management order receiving mechanism, a management order receiving service, an order receiving merchant and a terminal, wherein the management order receiving mechanism, the management order receiving service, the order receiving merchant and the terminal comprise specific parameters of the regulation dimension;
screening out business payment routes according to the regulation dimension, and uploading the business payment routes to a delivery party;
the regulation dimension comprises transaction amount, support card type, merchant factor, channel factor, support merchant type, transaction success rate, settlement cost, support settlement time, support settlement period, support settlement account type, activity commission policy, settlement success rate and the like.
The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, the computer program comprises program instructions, and the processor executes the program instructions to realize any one of the intelligent route regulation and control methods provided by the embodiment of the application.
The computer readable storage medium may be an internal storage unit of the computer device according to the foregoing embodiment, for example, a hard disk or a memory of the computer device. The computer readable storage medium 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), or the like, which are provided on the computer device.
While the application has been described with reference to certain preferred embodiments, it will be understood by those skilled in the art that various changes and substitutions of equivalents may be made and equivalents will be apparent to those skilled in the art without departing from the scope of the application. Therefore, the protection scope of the application is subject to the protection scope of the claims.
Claims (7)
1. An intelligent route regulation and control method is characterized by comprising the following steps:
defining a payment route regulation dimension;
defining a management order receiving mechanism, a management order receiving service, an order receiving merchant and a terminal, wherein the management order receiving mechanism, the management order receiving service, the order receiving merchant and the terminal comprise specific parameters of the regulation dimension;
screening out business payment routes according to the regulation dimension, and uploading the business payment routes to a delivery party;
wherein the regulatory dimension includes transaction amount, support card type, merchant factor, channel factor, support merchant type, transaction success rate, settlement cost, support settlement time, support settlement period, support settlement account type, activity commission policy and settlement success rate,
and the regulation dimension content is provided with different priorities, and payment routes are sequentially screened according to the order of the priorities from high to low, so that the service payment routes are determined.
2. The intelligent routing tuning method of claim 1, wherein the intelligent tuning method further comprises:
and the payment route intelligent regulation and control early warning.
3. The intelligent route adjustment and control method according to claim 1, wherein in the step of screening out the service payment routes according to adjustment and control dimensions and uploading the transaction, when the screened service payment routes include a plurality of service payment routes, one service payment route is randomly selected and the transaction is uploaded.
4. The intelligent route adjustment and control method according to claim 1, wherein when the business payment route is screened out according to the adjustment and control dimension and the transaction is uploaded, if the transaction is not within the adjustment and control dimension,
randomly acquiring an order-receiving merchant according to the transaction positioning and the nearest priority of the position to carry out uploading transaction;
or randomly acquiring the order-receiving merchant to carry out uploading transaction;
or block transactions.
5. An intelligent routing regulatory system, comprising:
the dimension definition unit is used for defining a payment route regulation dimension;
the management definition unit is used for inputting a management order receiving mechanism, a management order receiving service, an order receiving merchant and a terminal, wherein the input management order receiving mechanism, management order receiving service, order receiving merchant and terminal comprise specific parameters of the regulation dimension;
and the regulation rule unit is used for screening out the business payment route according to the regulation dimension and uploading the business.
6. A computer device, the computer device comprising a memory and a processor;
the memory is used for storing a computer program;
the processor is configured to execute the computer program and implement the intelligent route control method according to any one of claims 1 to 4 when the computer program is executed.
7. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program, which when executed by a processor causes the processor to implement the intelligent route regulation method according to any one of claims 1 to 4.
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