CN117217743A - Intelligent payment channel routing method, device, computer equipment and storage medium - Google Patents
Intelligent payment channel routing method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The application relates to an intelligent payment channel routing method, a device, a computer device and a storage medium, wherein the method comprises the following steps: receiving a deduction request, wherein the deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel; when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the multiple dimension scores of the candidate payment channels; arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel; and processing the deduction request through the target payment channel. By adopting the method, various indexes of each payment channel route can be quantized and abstracted, a scoring mechanism is taken as a core, the method adapts to the continuously developed business requirements, and the optimal payment channels are screened.
Description
Technical Field
The present application relates to the field of online payment technologies, and in particular, to an intelligent payment channel routing method, an intelligent payment channel routing device, a computer device, and a storage medium.
Background
With the development of internet technology, payment modes and payment channels are more and more diversified, and various business systems face various problems when accessing to a payment channel: for example, payment channels are cost prohibitive; the payment channel is not stable enough; the service efficiency of the payment channel is uneven; conventional docking schemes typically employ a polling mechanism or simply select available channels in a cost-effective manner that is less flexible, less stable and difficult to maintain.
There is therefore a need for an improved smart payment channel routing scheme to increase the flexibility and stability of online payments.
Disclosure of Invention
Based on the above, it is necessary to provide an intelligent payment channel routing method, device, computer equipment and storage medium for solving the technical problems of narrow coverage, insufficient stability and high maintenance cost of the traditional channel routing, and by quantizing and abstracting various indexes of each payment channel routing, using a scoring mechanism as a core, adapting to continuously developed business requirements and screening the optimal payment channel.
An intelligent payment channel routing method, the method comprising:
receiving a deduction request, wherein the deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel;
when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the multiple dimension scores of the candidate payment channels;
arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel;
and processing the deduction request through the target payment channel.
In one embodiment, after the step of receiving the deduction request, the method comprises:
inputting the deduction request into a payment system, so that the payment system extracts deduction transaction information from the deduction request by using a preset scoring model under the condition that the deduction request is detected;
and preprocessing a payment channel list in the channel service by using the deduction transaction information, and determining a plurality of candidate payment channels from the payment channel list.
In one embodiment, the step of preprocessing a list of payment channels in a channel service using payment transaction information, and determining at least one candidate payment channel from the list of payment channels, comprises:
screening candidate payment channels supporting the deduction party type according to the deduction party type in the deduction transaction information;
and screening the candidate payment channels with the channel limit index higher than the deduction amount according to the deduction amount in the deduction transaction information.
In one embodiment, the step of calculating the composite score for each candidate payment channel using a pre-set scoring model includes:
based on a service scene set by user definition, determining a plurality of evaluation dimensions participating in score calculation in a score model;
for each evaluation dimension, determining the dimension proportion and a custom-set dimension scoring coefficient according to the evaluation dimension; the dimension proportion is based on the reference proportion of the current evaluation dimension in all valid candidate payment channels, and the dimension scoring coefficient is the largest score value of the current evaluation dimension theory;
and obtaining the dimension score of the current evaluation dimension by using the product of the dimension proportion and the dimension score coefficient.
In one embodiment, the step of calculating the composite score for each candidate payment channel using a pre-set scoring model includes:
based on a service scene set by user definition, determining a plurality of evaluation dimensions participating in score calculation in a score model;
determining associated dimension factors, custom-set dimension scoring coefficients and corresponding calculation rules according to the evaluation dimensions, and acquiring dimension scores of the corresponding evaluation dimensions by using the dimension factors, the dimension scoring coefficients and the calculation rules; wherein, by adjusting the dimension scoring coefficient, the corresponding evaluation dimension is emphasized or reduced;
and obtaining the comprehensive score of the candidate payment channel according to the sum of the dimension scores of the plurality of evaluation dimensions.
In one embodiment, the step of obtaining the dimension score of each evaluation dimension using the dimension factor, the dimension score coefficient, and the calculation rule includes:
when the estimated dimension is cost, the dimension factor includes current channel cost, all channel cost, and the calculation rule is: dimension score = (1- (sum of current channel cost/all channel cost));
when the evaluation dimension is the success rate, the dimension factors comprise the successful number of yesterday and the total transaction number of yesterday, and the calculation rule is as follows: dimension score = (successful yesterday/total yesterday trade score) × dimension score coefficient;
when the evaluation dimension is a channel, the dimension factor is a manual score, and the calculation rule is as follows: dimension score = manual score.
In one embodiment, the method further comprises:
when the payment system includes one candidate payment channel, the candidate payment channel directly processes the deduction request as the target payment channel.
An intelligent payment channel routing device, the device comprising: the system comprises a request receiving module, a grading determining module, a channel screening module and a request processing module, wherein:
the payment system comprises a request receiving module, a payment receiving module and a payment receiving module, wherein the request receiving module is used for receiving a payment deduction request, the payment deduction request is used for requesting payment through the payment system, and the payment system comprises at least one candidate payment channel;
the score determining module is used for calculating the comprehensive score of each candidate payment channel by using a preset score model when the payment system comprises a plurality of candidate payment channels, and the comprehensive score is acquired based on the scores of the plurality of dimensions of the candidate payment channels;
the channel screening module is used for arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel;
and the request processing module is used for processing the deduction request through the target payment channel.
A computer device comprising a memory storing a computer program and a processor which when executing the computer program performs the steps of:
receiving a deduction request, wherein the deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel;
when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the multiple dimension scores of the candidate payment channels;
arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel;
and processing the deduction request through the target payment channel.
A computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:
receiving a deduction request, wherein the deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel;
when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the multiple dimension scores of the candidate payment channels;
arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel;
and processing the deduction request through the target payment channel.
The intelligent payment channel routing method, the intelligent payment channel routing device, the intelligent payment channel routing computer equipment and the intelligent payment channel routing storage medium are used for receiving a deduction request, wherein the deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel; when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the multiple dimension scores of the candidate payment channels; arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel; and processing the deduction request through the target payment channel. The application solves the problems of narrow coverage, insufficient stability and high maintenance cost of the traditional channel route, and establishes a scientific and comprehensive scoring system model by quantizing and abstracting various indexes of the channel route and taking a scoring mechanism as a core so as to adapt to the continuously developed business demands.
After the payment request is received through the payment system, calculating the comprehensive score of each candidate payment channel by using a preset scoring model, and determining a plurality of evaluation dimensions participating in score calculation; determining associated dimension factors, custom-set dimension scoring coefficients and corresponding calculation rules according to the evaluation dimensions, and acquiring dimension scores of the corresponding evaluation dimensions by using the dimension factors, the dimension scoring coefficients and the calculation rules; then, according to the sum of dimension scores of a plurality of evaluation dimensions, obtaining comprehensive scores of candidate payment channels, wherein a scoring model is comprehensive score calculation based on the evaluation dimensions of the plurality of participation score calculation, so that the coverage rate and the accuracy of the scoring model can be further improved through secondary development based on better expansibility of the scoring model, for example, a holiday screening mechanism can be added, and certain channels which generate bedding cost or fund risk due to non-settlement of a holiday are eliminated; based on the abstract of various index parameters in the evaluation model, the evaluation model has stronger robustness, and by adding a dynamic monitoring mechanism, the scoring can be reduced or channels which are abnormal in a certain period of time can be eliminated in time, so that the influence on the whole business is avoided; based on the user-defined evaluation dimension set by the evaluation model in the payment system, the evaluation model has higher flexibility, so that different customer demands can be met, for example, priority of customer emphasis cost, priority of customer emphasis stability, priority of customer emphasis success rate and the like can be met, and configuration adjustment can be carried out according to the actual situation of the user.
Drawings
FIG. 1 is an application environment diagram of a smart payment channel routing method in one embodiment;
FIG. 2 is a processing logic diagram of a payment system in one embodiment;
FIG. 3 is a flow diagram of a method of smart payment channel routing in one embodiment;
FIG. 4 is a flow diagram of the processing steps of the payment system in one embodiment;
FIG. 5 is a schematic diagram of a process flow for one candidate payment channel in one embodiment;
FIG. 6 is a block diagram of an embodiment of a smart payment gateway routing device;
fig. 7 is an internal structural diagram of a computer device in one embodiment.
Detailed Description
The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.
The intelligent payment channel routing method provided by the application can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The terminal 102 sends a deduction request to the server 104, and after the server 104 receives the deduction request, at least one candidate payment channel in the payment system is determined. As shown in fig. 2, after receiving the deduction request, the payment system outputs the target payment channel. When the payment system comprises a candidate payment channel, directly taking the candidate payment channel as a target payment channel to process a deduction request; when the payment system comprises a plurality of candidate payment channels, the plurality of candidate payment channels are input into a pre-constructed scoring model, after the comprehensive score of each candidate payment channel is calculated, the candidate payment channel with the highest score of the comprehensive score is found out to be used as a target payment channel, and then the deduction request is processed through the target payment channel.
The terminal 102 may be, but not limited to, various personal computers, notebook computers, smartphones, and tablet computers, and the server 104 may be implemented by a stand-alone server or a server cluster formed by a plurality of servers.
In one embodiment, as shown in fig. 3, an intelligent payment channel routing method is provided, and the method is applied to the server in fig. 1 for illustration, and includes the following steps:
step S101, receiving a deduction request, wherein the deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel;
step S102, when the payment system comprises a plurality of candidate payment channels, calculating the comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the scores of a plurality of dimensions of the candidate payment channels;
step S103, arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel;
and step S104, processing the deduction request through the target payment channel.
In one embodiment, the deduction request includes deduction transaction information, for example, a deduction transaction of 1000 yuan of ABC agricultural bank is initiated, and an optimal candidate payment channel is selected from the payment system to complete the deduction operation.
Further, after the step S101 of receiving the deduction request, the method includes:
inputting the deduction request into a payment system, so that the payment system extracts deduction transaction information from the deduction request by using a preset scoring model under the condition that the deduction request is detected;
and preprocessing a payment channel list in the channel service by using the deduction transaction information, and determining a plurality of candidate payment channels from the payment channel list.
In one embodiment, the step of preprocessing a list of payment channels in a channel service with payment transaction information, determining at least one candidate payment channel from the list of payment channels, comprises:
referring to fig. 4, candidate payment channels supporting the type of the deduction party are selected according to the type of the deduction party in the deduction transaction information; and screening the candidate payment channels with the channel limit index higher than the deduction amount according to the deduction amount in the deduction transaction information.
For example, as shown in table 1 below, a list of payment channels.
In one embodiment, candidate payment channels are considered from multiple evaluation dimensions, e.g., each of which can be generalized into the following categories: (1) user factors: transaction habit, transaction amount, card type, bank, etc.; (2) merchant factors: bank support, cost rate, settlement period, etc.; (3) channel factors: transaction quota, transaction success rate, service efficiency, etc.
By way of example with the evaluation dimensions in table 1, table 1 includes the payoff support (i.e., the partner payoff), quota index, cost, success rate, channel score for each candidate payment channel, further illustrating that the payment channel is represented as a third party payment platform, which refers to signing up with a bank (typically a plurality of banks) and has a certain strength and reputation guarantee, as a supervisor and a server for network transactions, the third party payment platform provides richer payment means and reliable service guarantees; the payment product is expressed as a product provided by a third party payment platform outside, such as quick payment, agreement payment and the like; the payment channel (i.e. candidate payment channel) represents a pay-and-receive channel link composed of specific payment products opened by a certain merchant in a payment channel.
For table 1 above, assuming that a deduction transaction of 1000 yuan of ABC agricultural bank is currently initiated, the list of payment channels supported in the current payment system includes: candidate payment channel a: the agricultural line is supported, the quota index is 2000 yuan, the cost is 2 per mill, the success rate is 96 percent, and the channel is divided into 98; candidate payment channel B: the agricultural line is supported, the quota index is 1000 yuan, the cost is 2.3 per mill, the success rate is 95%, and the channel is divided into 95; candidate payment channel C: the agricultural line is supported, the quota index is 500 yuan, the cost is 2 yuan, the success rate is 99%, and the channel is divided into 99; candidate payment channel D: the agricultural line is supported, the quota index is 1500 yuan, the cost is 1.8 yuan/pen, the success rate is 94%, and the channel is divided into 85; candidate payment channel E: the agricultural line is supported, the quota index is 1000 yuan, the cost is 1.5 yuan/pen, the success rate is 97%, and the channel is divided into 90; candidate payment channel F: agriculture rows are not supported, and quota indexes, cost, success rate and channel division are all empty.
According to the state information in the payment channel list, screening candidate payment channels with normal states, namely screening candidate payment channels which are in normal states and meet the use conditions in a payment system, wherein in table 1, candidate payment channel F does not support agriculture, and the quota index in candidate payment channel C is 500 to be less than 1000 yuan in the current deduction transaction, so that candidate payment channel C is required to be filtered because of insufficient quota index and candidate payment channel F does not support agriculture.
Further, after screening is completed, if the number of remaining available candidate payment channels is less than or equal to 1, the scoring calculation link is directly skipped, and the payment deduction request is directly processed by using the current unique candidate payment channel or the candidate payment channel default by the payment system.
In one embodiment, as shown in fig. 5, there is provided an intelligent payment channel routing method, further comprising: in step S105, when the payment system includes one candidate payment channel, the candidate payment channel directly serves as the target payment channel to process the deduction request.
In one embodiment, step S102, the step of calculating the composite score of each candidate payment channel using a preset scoring model includes:
based on a service scene set by user definition, determining a plurality of evaluation dimensions participating in score calculation in a score model; for each evaluation dimension, determining the dimension proportion and a custom-set dimension scoring coefficient according to the evaluation dimension; the dimension proportion is based on the reference proportion of the current evaluation dimension in all valid candidate payment channels, and the dimension scoring coefficient is the largest score value of the current evaluation dimension theory; and obtaining the dimension score of the current evaluation dimension by using the product of the dimension proportion and the dimension score coefficient.
With continued reference to fig. 4, table 1 illustrates that the payoff party and the quota index are supported to filter the candidate payment channels which do not meet the use condition in the payment system, so that the remaining plurality of effective candidate payment channels utilize a scoring mechanism to screen out the optimal candidate payment channel. The evaluation dimension in this embodiment can be understood as a stress influencing factor for different traffic scenarios.
Further, with the increasing abundance of internet transaction scenes, different requirements are put forward on transaction amount, bank limit, settlement period, success rate, channel service efficiency and the like in addition to considering the cost of payment channels, and priority processing is also emphasized.
In one embodiment, the step of calculating a composite score for each candidate payment channel using a pre-set scoring model includes:
based on a service scene set by user definition, determining a plurality of evaluation dimensions participating in score calculation in a score model; determining associated dimension factors, custom-set dimension scoring coefficients and corresponding calculation rules according to the evaluation dimensions, and acquiring dimension scores of the corresponding evaluation dimensions by using the dimension factors, the dimension scoring coefficients and the calculation rules; and obtaining the comprehensive score of the candidate payment channel according to the sum of the dimension scores of the plurality of evaluation dimensions. Wherein, by adjusting the dimension scoring coefficient, the corresponding evaluation dimension is emphasized or reduced.
The step of obtaining the dimension score of each evaluation dimension by using the dimension factor, the dimension scoring coefficient and the calculation rule comprises the following steps:
when the estimated dimension is cost, the dimension factor includes current channel cost, all channel cost, and the calculation rule is: dimension score = (1- (sum of current channel cost/all channel cost)); when the evaluation dimension is the success rate, the dimension factors comprise the successful number of yesterday and the total transaction number of yesterday, and the calculation rule is as follows: dimension score = (successful yesterday/total yesterday trade score) × dimension score coefficient; when the evaluation dimension is a channel, the dimension factor is a manual score, and the calculation rule is as follows: dimension score = manual score.
Further, in the step of calculating the comprehensive score of each candidate payment channel by using the preset scoring model, the comprehensive score of each candidate payment channel is calculated by using the dimension score of the evaluation dimension according to the calculation rule, the specific gravity, the dimension scoring coefficient and other factors of different evaluation dimensions. Illustratively, the evaluation dimensions that need to participate in the score calculation, such as cost, communication efficiency, stability, success rate, etc., are set to 100 by default. The manual scoring is based on subjective scores such as channel service efficiency, relationship maintenance, and the like. Assuming that the evaluation dimensions of participation scores include cost, success rate, channel, then the composite score = cost score + success rate score + channel score for the candidate payment channel.
Further taking table 1 as an example, it is exemplarily illustrated that:
composite score in candidate payment channel a= = (1- (2/7.6)) = (100+96%). 100+98
＝73.68+96+98
＝267.68
Composite score = (1- (2.3/7.6)) = (100+95%). 100+95 in candidate payment channel B
＝69.74+95+95
＝259.74
The comprehensive score limit in candidate payment channel C is not supported and does not participate in calculation
Composite score = (1- (1.8/7.6)) = (100+94%). 100+85 in candidate payment channel D
＝76.32+94+85
＝255.32
Composite score = (1- (1.5/7.6)) = (100+97%). 100+90 in candidate payment channel E
＝80.26+97+90
＝267.26
The comprehensive scoring bank in the candidate payment channel F is not supported and does not participate in calculation
In one embodiment, in step S103, all the candidate payment channels are arranged in descending order according to the comprehensive scores, so that in the step of extracting the candidate payment channel with the highest score in the comprehensive scores as the target payment channel, the comprehensive scores of all the candidate payment channels are ordered in descending order, and the extraction of the candidate payment channel with the highest score as the target payment channel is equivalent to the selection of the optimal candidate payment channel as the target payment channel. Of course, if there is only one current candidate payment channel, the candidate payment channel is directly taken out as the target payment channel.
Illustratively, the best path selected in Table 1 above is candidate Payment path A, whose total score is 267.68. As can be seen from the scoring result, although the candidate payment channel E has lower cost and certain competitive advantage, the candidate payment channel E has obvious defects from the aspect of success rate, is not selected, objectively and comprehensively screens out the optimal channel meeting expectations from various dimension factors, and meets the requirements of low price, high quality and low price.
In this embodiment, by adjusting the dimension scoring coefficient, the corresponding evaluation dimension is emphasized or reduced. That is, the intended candidate payment channel is selected as the target payment channel with emphasis on increasing or decreasing the different dimension scoring coefficients. For example, when cost-first consideration is given, the dimension scoring coefficient corresponding to the evaluation dimension as cost may be adjusted to 200.
The final score will vary as follows:
composite score = (1- (2/7.6)) = (200+96%). 100+98 in candidate payment channel a
＝147.37+96+98
＝341.37
Composite score = (1- (2.3/7.6)) = (200+95%). 100+95 in candidate payment channel B
＝139.47+95+95
＝329.47
The comprehensive score limit in candidate payment channel C is not supported and does not participate in calculation
Composite score in candidate payment channel d= (1- (1.8/7.6)) = (200+94%). 100+85
＝152.63+94+85
＝331.63
Composite score = (1- (1.5/7.6)) = (200+97%). 100+90 in candidate payment channel E
＝160.52+97+90
＝347.52
The comprehensive scoring bank in the candidate payment channel F is not supported and does not participate in calculation
Finally, after the dimension scoring coefficient is adjusted, the score of the candidate payment channel E is 347.52, which is larger than the score 341.37 of the candidate payment channel A, and the candidate payment channel E becomes the optimal channel, namely the target payment channel.
In the above-mentioned intelligent payment channel routing method, a deduction request is received, where the deduction request is used to request payment through a payment system, and the payment system includes at least one candidate payment channel; when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the multiple dimension scores of the candidate payment channels; arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel; and processing the deduction request through the target payment channel. The application solves the problems of narrow coverage, insufficient stability and high maintenance cost of the traditional channel route, and establishes a scientific and comprehensive scoring system model by quantizing and abstracting various indexes of the channel route and taking a scoring mechanism as a core so as to adapt to the continuously developed business demands.
After the payment request is received through the payment system, calculating the comprehensive score of each candidate payment channel by using a preset scoring model, and determining a plurality of evaluation dimensions participating in score calculation; determining associated dimension factors, custom-set dimension scoring coefficients and corresponding calculation rules according to the evaluation dimensions, and acquiring dimension scores of the corresponding evaluation dimensions by using the dimension factors, the dimension scoring coefficients and the calculation rules; then, according to the sum of dimension scores of a plurality of evaluation dimensions, obtaining comprehensive scores of candidate payment channels, wherein a scoring model is comprehensive score calculation based on the evaluation dimensions of the plurality of participation score calculation, so that the coverage rate and the accuracy of the scoring model can be further improved through secondary development based on better expansibility of the scoring model, for example, a holiday screening mechanism can be added, and certain channels which generate bedding cost or fund risk due to non-settlement of a holiday are eliminated; based on the abstract of various index parameters in the evaluation model, the evaluation model has stronger robustness, and by adding a dynamic monitoring mechanism, the scoring can be reduced or channels which are abnormal in a certain period of time can be eliminated in time, so that the influence on the whole business is avoided; based on the user-defined evaluation dimension set by the evaluation model in the payment system, the evaluation model has higher flexibility, so that different customer demands can be met, for example, priority of customer emphasis cost, priority of customer emphasis stability, priority of customer emphasis success rate and the like can be met, and configuration adjustment can be carried out according to the actual situation of the user.
It should be understood that, although the steps in the flowcharts of fig. 3-5 are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in fig. 3-5 may include multiple sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, nor does the order in which the sub-steps or stages are performed necessarily occur sequentially, but may be performed alternately or alternately with at least a portion of the sub-steps or stages of other steps or other steps.
In one embodiment, as shown in fig. 6, there is provided an intelligent payment channel routing device, comprising: a request receiving module 10, a score determining module 20, a channel screening module 30, and a request processing module 40, wherein:
the request receiving module 10 is configured to receive a deduction request, where the deduction request is used to request payment through a payment system, and the payment system includes at least one candidate payment channel;
the score determining module 20 is configured to calculate, when the payment system includes a plurality of candidate payment channels, a composite score of each candidate payment channel using a preset score model, where the composite score is obtained based on the multiple dimension scores of the candidate payment channels;
the channel screening module 30 is configured to rank all the candidate payment channels in descending order according to the comprehensive scores, so as to extract the candidate payment channel with the highest score in the comprehensive scores as the target payment channel;
the request processing module 40 is configured to process the deduction request through the target payment channel.
The specific definition of the intelligent payment channel routing device can be referred to above for the definition of the intelligent payment channel routing method, and will not be described herein. The above-described respective modules in the intelligent payment channel routing device may be implemented in whole or in part by software, hardware, and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 7. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing composite scoring data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements an intelligent payment channel routing method.
It will be appreciated by those skilled in the art that the structure shown in FIG. 7 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, 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.
In one embodiment, a computer device is provided comprising a memory and a processor, the memory having stored therein a computer program, the processor when executing the computer program performing the steps of:
receiving a deduction request, wherein the deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel; when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the multiple dimension scores of the candidate payment channels; arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel; and processing the deduction request through the target payment channel.
In one embodiment, a computer readable storage medium is provided having a computer program stored thereon, which when executed by a processor, performs the steps of:
receiving a deduction request, wherein the deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel; when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on the multiple dimension scores of the candidate payment channels; arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel; and processing the deduction request through the target payment channel.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The above examples illustrate only a few embodiments of the application, which are described in detail and are not to be construed as limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of protection of the present application is to be determined by the appended claims.
Claims (10)
1. An intelligent payment channel routing method, the method comprising:
receiving a deduction request for requesting payment through a payment system, the payment system comprising at least one candidate payment channel;
when the payment system comprises a plurality of candidate payment channels, calculating a comprehensive score of each candidate payment channel by using a preset scoring model, wherein the comprehensive score is obtained based on a plurality of dimension scores of the candidate payment channels;
arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel;
and processing the deduction request through the target payment channel.
2. The intelligent payment channel routing method of claim 1, wherein after the step of receiving a deduction request, comprising:
inputting the deduction request into the payment system, so that the payment system extracts deduction transaction information from the deduction request by using a preset scoring model under the condition that the deduction request is detected;
and preprocessing a payment channel list in channel service by using the deduction transaction information, and determining at least one candidate payment channel from the payment channel list.
3. The intelligent payment channel routing method of claim 2, wherein the step of preprocessing a list of payment channels in a channel service using the deduction transaction information, determining at least one candidate payment channel from the list of payment channels, comprises:
screening candidate payment channels supporting the deduction party type according to the deduction party type in the deduction transaction information;
and screening the candidate payment channels with the channel limit index higher than the deduction amount according to the deduction amount in the deduction transaction information.
4. The intelligent payment channel routing method of claim 1, wherein the step of calculating a composite score for each of the candidate payment channels using a pre-set scoring model comprises:
based on a service scene set by user definition, determining a plurality of evaluation dimensions participating in score calculation in a score model;
for each evaluation dimension, determining the dimension proportion and a custom-set dimension scoring coefficient according to the evaluation dimension; wherein the dimension specific gravity is based on the reference specific gravity of the current estimated dimension in all valid candidate payment channels, and the dimension scoring coefficient is the largest scoring value of the current estimated dimension theory;
and obtaining the dimension score of the current evaluation dimension by using the product of the dimension proportion and the dimension score coefficient.
5. The intelligent payment channel routing method of claim 1, wherein the step of calculating a composite score for each of the candidate payment channels using a pre-set scoring model comprises:
based on a service scene set by user definition, determining a plurality of evaluation dimensions participating in score calculation in a score model;
determining associated dimension factors, custom-set dimension scoring coefficients and corresponding calculation rules according to the evaluation dimensions, and acquiring dimension scores of the corresponding evaluation dimensions by using the dimension factors, the dimension scoring coefficients and the calculation rules; wherein, by adjusting the dimension scoring coefficient, the corresponding evaluation dimension is emphasized or reduced;
and obtaining the comprehensive score of the candidate payment channel according to the sum of the dimension scores of the plurality of evaluation dimensions.
6. The intelligent payment channel routing method of claim 5, wherein the step of obtaining the dimension score for each evaluation dimension using the dimension factor, dimension scoring coefficient, and calculation rule comprises:
when the evaluation dimension is cost, the dimension factor includes current channel cost and all channel cost, and the calculation rule is: the dimension score= (1- (sum of current channel cost/all channel cost));
when the evaluation dimension is a success rate, the dimension factors comprise yesterday success number and yesterday total transaction number, and the calculation rule is as follows: the dimension score = (yesterday successful count/yesterday total transaction count) = dimension score coefficient;
when the evaluation dimension is a channel, the dimension factor is manually scored, and the calculation rule is as follows: the dimension score = manual score.
7. The intelligent payment channel routing method of claim 1, wherein the method further comprises:
when the payment system includes one of the candidate payment channels, the candidate payment channel directly processes the deduction request as a target payment channel.
8. An intelligent payment channel routing device, the device comprising:
the payment system comprises a request receiving module, a payment receiving module and a payment receiving module, wherein the request receiving module is used for receiving a payment deduction request, the payment deduction request is used for requesting payment through a payment system, and the payment system comprises at least one candidate payment channel;
a score determining module, configured to calculate, when the payment system includes a plurality of candidate payment channels, a composite score for each of the candidate payment channels using a preset score model, where the composite score is obtained based on a plurality of dimension scores of the candidate payment channels;
the channel screening module is used for arranging all the candidate payment channels in descending order according to the comprehensive scores so as to extract the candidate payment channel with the highest score in the comprehensive scores as a target payment channel;
and the request processing module is used for processing the deduction request through the target payment channel.
9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 7 when the computer program is executed.
10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 7.
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| CN117952606A (en) * | 2024-03-22 | 2024-04-30 | 杭州有云科技有限公司 | Aggregation payment method, device, equipment and storage medium based on security evaluation |
| CN117952606B (en) * | 2024-03-22 | 2024-06-11 | 杭州有云科技有限公司 | Aggregation payment method, device, equipment and storage medium based on security evaluation |
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