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CN108932613B - Monitoring method and monitoring device for internet payment channel, equipment and storage medium - Google Patents

Monitoring method and monitoring device for internet payment channel, equipment and storage medium Download PDF

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CN108932613B
CN108932613B CN201710377761.2A CN201710377761A CN108932613B CN 108932613 B CN108932613 B CN 108932613B CN 201710377761 A CN201710377761 A CN 201710377761A CN 108932613 B CN108932613 B CN 108932613B
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success rate
payment channel
internet payment
internet
payment
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CN108932613A (en
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孙洋
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Beijing Didi Infinity Technology and Development Co Ltd
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Beijing Didi Infinity Technology and Development Co Ltd
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    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems

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Abstract

The embodiment of the disclosure provides a monitoring method and a monitoring device for an internet payment channel, a computer device and a computer readable storage medium, which are applied to the technical field of internet payment, wherein the monitoring method is applied to application software which is accessed to the internet payment channel for payment, and comprises the following steps: collecting payment statistical information of the internet payment channel and the application software; determining a reference success rate of the internet payment channel when the internet payment channel works stably according to the payment statistical information; acquiring the real-time success rate of the current payment of the application software through the internet payment channel; and determining whether to adjust the payment request flow of the internet payment channel according to the real-time success rate, the reference success rate and a preset adjustment threshold. The embodiment of the disclosure can realize the timely monitoring of the stability of the internet payment channel, thereby smoothly adjusting the payment request flow of the internet payment channel in time and improving the payment service efficiency.

Description

Monitoring method and monitoring device for internet payment channel, equipment and storage medium
Technical Field
The embodiment of the disclosure relates to the technical field of internet payment, in particular to a monitoring method of an internet payment channel, a monitoring device of the internet payment channel, computer equipment and a computer readable storage medium.
Background
At present, some existing internet platforms, especially emerging entrepreneurship platforms, may not have a license plate for payment, so in order to facilitate payment for users, internet payment channels such as a payment treasure and a WeChat need to be accessed, so in the payment process, the users need to jump to the internet payment channel to complete payment, the internet payment channel completes deduction of funds, and then settlement is performed to the internet platform. In the whole process, the stability condition of the internet payment channel can greatly influence the payment experience of the user, if the internet payment channel is in a problem with the connection of the internet platform or the internet payment channel is in a problem, the user can not complete the payment through the problematic payment channel, and a large amount of complaints about incoming lines of the user can be caused at the moment.
For the problems, the existing processing mode is to manually close a payment channel after a large number of user complaints or customer service calls received by customer service are known, and manually restore the payment channel after the internet payment channel is restored to be stable, so that the stability of the payment channel is difficult to monitor, and the problem is solved only by manually dropping the payment channel after the user feeds back the stability, which brings troubles to the user. However, when the transaction is completed, payment is an extremely important ring. If the passenger fails to pay or pays after a long time, the user experience is poor, and particularly when the driver requests the passenger to get off the vehicle after the passenger pays successfully, the communication and time cost brought to both parties by the failed payment or the successful payment delay are high. Therefore, it becomes important how to weaken the influence of the service quality of the external internet payment channel on the service quality of the user.
Disclosure of Invention
The embodiment of the disclosure is based on the above problems, and provides a new technical scheme, which can realize timely monitoring of the stability of the internet payment channel, and quickly discover the service quality change condition of the payment channel, so as to timely and smoothly adjust the payment request flow of the internet payment channel, improve the payment service efficiency, and simultaneously enable a user to timely know the real reason of the abnormal payment, and promote the internet payment channel to provide a better payment service for internet platforms such as application software, and so as to improve the user experience.
In view of this, according to a first aspect of the embodiments of the present disclosure, a method for monitoring an internet payment channel, to which application software accesses for payment, is provided, where the method includes: collecting payment statistical information of the internet payment channel and the application software; determining a reference success rate of the internet payment channel when the internet payment channel works stably according to the payment statistical information; acquiring the real-time success rate of the current payment of the application software through the internet payment channel; and determining whether to adjust the payment request flow of the internet payment channel according to the real-time success rate, the reference success rate and a preset adjustment threshold.
In the technical scheme, when the application software performs fee settlement through an accessed internet payment channel (such as a third party payment channel of a payment treasure, a WeChat and the like), in order to realize timely monitoring of service stability of the internet payment channel, a reference success rate of the internet payment channel during stable work can be determined as a monitoring reference by collecting payment statistical information generated in a process that the application software normally uses the internet payment channel in advance, then a real-time success rate of the application software during payment through the internet payment channel is monitored in real time, whether to adjust the payment request flow of the internet payment channel is further determined by combining a preset adjustment threshold value, namely, the service quality change condition of the payment channel is quickly found, and the payment request flow of the internet payment channel is smoothly adjusted, so that the payment service efficiency is improved, and the user experience is improved.
The application software can be network appointment application software.
In the foregoing technical solution, preferably, the step of determining whether to adjust the payment request traffic of the internet payment channel according to the real-time success rate, the reference success rate, and a preset adjustment threshold includes: substituting the real-time success rate and the reference success rate into a first calculation formula to determine a stable value of the internet payment channel when the current payment is carried out; judging whether the stable value is larger than the preset adjusting threshold value or not; if so, performing traffic degradation processing on the internet payment channel, otherwise, maintaining the current state of the internet payment channel, wherein the first calculation formula is as follows: the stable value is (the real-time success rate-the reference success rate)/the reference success rate.
According to the technical scheme, when the control adjustment is carried out on the payment request flow of the internet payment channel by combining the reference success rate, the real-time success rate of the current payment and the preset adjustment threshold, specifically, a stable value representing the service quality of the internet payment channel in the current payment process is determined according to the real-time success rate and the reference success rate, and then the time for carrying out the degradation processing on the payment request flow of the internet payment channel is determined according to the size relation between the stable value and the preset adjustment threshold, so that the service stability of the internet payment channel is maintained within a tolerance degree, and the stability of the internet payment channel accessed by application software is ensured.
In any of the foregoing technical solutions, preferably, when it is determined that the stable value is greater than the preset adjustment threshold, the step of performing traffic degradation processing on the internet payment channel includes: and sending prompt information indicating that the internet payment channel is unstable to the user with the application software accounting for the stable value.
In the technical scheme, the prompt information is specifically sent to the user using part of the application software to inform that the payment service provided by the internet payment channel accessed by the part of the user application software is unstable at present, so that the user can know the real reason of the abnormal payment, the user incoming line of the internet payment channel is reduced, the payment request flow is degraded, the burden of the internet payment channel is reduced, the running stability of the internet payment channel accessed by the application software is ensured on the basis of ensuring the user experience, and the service quality is improved; the users using the part of application software are the users with the proportion of the total users being the calculated stable threshold value, namely the users with the proportion of (real-time success rate-reference success rate)/reference success rate prompt the users with the unstable internet payment channel and the proportion of (1- (real-time success rate-reference success rate)/reference success rate) not to prompt.
In any one of the above technical solutions, preferably, the payment statistical information includes: the application software sends successful sending quantity and failed sending quantity of payment requests to the internet payment channel, and the callback quantity after the internet payment channel succeeds in payment and the customs clearance quantity sent by the application software.
In the technical scheme, the payment statistical information needing to be collected and counted in advance at least comprises the following steps: the successful initiating quantity after the application software initiates the payment request to the internet payment channel is the number of times of successfully jumping to the internet payment channel from the operation interface of the application software to perform payment action after the order takes effect; the number of failed initiation after the application software initiates a payment request to the internet payment channel, namely the number of times of unsuccessfully jumping to the internet payment channel from an operation interface of the application software to perform payment action after the order takes effect; and after the payment is successful through the internet payment channel, the callback quantity of the successful payment result and the order closing quantity of the order cancelled after the user submits the order through the application software are fed back to the application software. Therefore, the reference success rate of the internet payment channel during stable work is determined by counting the information with larger correlation with the service quality stability of the internet payment channel, the result can be more accurate, and the stability of the internet payment channel can be better monitored.
In any one of the above technical solutions, preferably, the step of determining the reference success rate of the internet payment channel during stable operation according to the payment statistical information includes: substituting the successful initiating quantity, the failed initiating quantity and the customs clearance quantity into a second calculation formula to determine the average initiating success rate of the internet payment channel; substituting the initiation success number and the callback number into a third calculation formula to determine a callback success rate; comparing the average initiating success rate with the call-back success rate, and taking the smaller of the average initiating success rate and the call-back success rate as the reference success rate, wherein the second calculation formula is as follows: the average initiating success rate is the initiating success quantity/(the initiating success quantity + the initiating failure quantity-the customs clearance quantity), and the third calculation formula is: the callback success rate is the number of callbacks/the number of successful initiations.
In the technical scheme, in order to ensure the accuracy and effectiveness of the reference success rate, the average initiation success rate of the internet payment channel can be calculated by the initiation success number, the initiation failure number and the customs clearance number, and the callback success rate after the payment is successful through the internet payment channel can be calculated by the initiation success number and the callback number, so that the smaller of the average initiation success rate and the callback success rate is used as the reference success rate, the tolerance degree of the stability of the internet payment channel is improved as much as possible, and the service quality of the internet payment channel is improved.
In any one of the above technical solutions, preferably, the step of obtaining the real-time success rate of the current payment performed by the application software through the internet payment channel includes: acquiring the current invoice amount of a payment request sent by the application software to the internet payment channel within a preset time period and the current callback amount after the internet payment channel is successfully paid; and taking the ratio of the current callback number to the current invoice amount as the real-time success rate.
In the technical scheme, a real-time success rate can be determined according to the current invoice amount requested to be paid by the application software to the internet payment channel within a certain time period (namely a preset time period, for example, 10 minutes), and the current callback number of the internet payment channel which is successfully paid for the invoice amount and fed back to the application software, and specifically, a ratio of the current callback number to the current invoice amount is used as the real-time success rate, so that the real-time success rate can be successfully acquired, and accuracy is guaranteed.
According to a second aspect of the embodiments of the present disclosure, there is provided a monitoring apparatus for an internet payment channel, where application software accesses the internet payment channel to make payment, the monitoring apparatus including: the acquisition module is used for acquiring payment statistical information of the internet payment channel and the application software; the determining module is used for determining the reference success rate of the internet payment channel in stable work according to the payment statistical information acquired by the acquiring module; the acquisition module is used for acquiring the real-time success rate of the current payment of the application software through the internet payment channel; and the processing module is used for determining whether to adjust the payment request flow of the internet payment channel according to the real-time success rate, the reference success rate and a preset adjustment threshold.
In the technical scheme, when the application software performs fee settlement through an accessed internet payment channel (such as a third party payment channel of a payment treasure, a WeChat and the like), in order to realize timely monitoring of service stability of the internet payment channel, a reference success rate of the internet payment channel during stable work can be determined as a monitoring reference by collecting payment statistical information generated in a process that the application software normally uses the internet payment channel in advance, then a real-time success rate of the application software during payment through the internet payment channel is monitored in real time, whether to adjust the payment request flow of the internet payment channel is further determined by combining a preset adjustment threshold value, namely, the service quality change condition of the payment channel is quickly found, and the payment request flow of the internet payment channel is smoothly adjusted, so that the payment service efficiency is improved, and the user experience is improved.
The application software can be network appointment application software.
In the above technical solution, preferably, the processing module includes: the first calculation submodule is used for substituting the real-time success rate and the reference success rate into a first calculation formula to determine a stable value of the internet payment channel when the current payment is carried out; the judgment submodule is used for judging whether the stable value calculated by the first calculation submodule is larger than the preset adjustment threshold value or not; the processing submodule is used for performing traffic degradation processing on the internet payment channel when the judgment submodule judges that the internet payment channel is the internet payment channel, and otherwise, keeping the current state of the internet payment channel, wherein the first calculation formula is as follows: the stable value is (the real-time success rate-the reference success rate)/the reference success rate.
According to the technical scheme, when the control adjustment is carried out on the payment request flow of the internet payment channel by combining the reference success rate, the real-time success rate of the current payment and the preset adjustment threshold, specifically, a stable value representing the service quality of the internet payment channel in the current payment process is determined according to the real-time success rate and the reference success rate, and then the time for carrying out the degradation processing on the payment request flow of the internet payment channel is determined according to the size relation between the stable value and the preset adjustment threshold, so that the service stability of the internet payment channel is maintained within a tolerance degree, and the stability of the internet payment channel accessed by application software is ensured.
In any one of the foregoing technical solutions, preferably, when the determining sub-module determines that the stable value is greater than the preset adjustment threshold, the processing sub-module is specifically configured to: and sending prompt information indicating that the internet payment channel is unstable to the user with the application software accounting for the stable value.
In the technical scheme, the prompt information is specifically sent to the user using part of the application software to inform that the payment service provided by the internet payment channel accessed by the part of the user application software is unstable at present, so that the user can know the real reason of the abnormal payment, the user incoming line of the internet payment channel is reduced, the payment request flow is degraded, the burden of the internet payment channel is reduced, the running stability of the internet payment channel accessed by the application software is ensured on the basis of ensuring the user experience, and the service quality is improved; the users using the part of application software are the users with the proportion of the total users being the calculated stable threshold value, namely the users with the proportion of (real-time success rate-reference success rate)/reference success rate are prompted that the internet payment channel is unstable, and the users with the rest proportion of (1- (real-time success rate-reference success rate)/reference success rate) are not prompted.
In any one of the above technical solutions, preferably, the payment statistical information includes: the application software sends successful sending quantity and failed sending quantity of payment requests to the internet payment channel, and the callback quantity after the internet payment channel succeeds in payment and the customs clearance quantity sent by the application software.
In the technical scheme, the payment statistical information needing to be collected and counted in advance at least comprises the following steps: the successful initiating quantity after the application software initiates the payment request to the internet payment channel is the number of times of successfully jumping to the internet payment channel from the operation interface of the application software to perform payment action after the order takes effect; the number of failed initiation after the application software initiates a payment request to the internet payment channel, namely the number of times of unsuccessfully jumping to the internet payment channel from an operation interface of the application software to perform payment action after the order takes effect; and after the payment is successful through the internet payment channel, the callback quantity of the successful payment result and the order closing quantity of the order cancelled after the user submits the order through the application software are fed back to the application software. Therefore, the reference success rate of the internet payment channel during stable work is determined by counting the information with larger correlation with the service quality stability of the internet payment channel, the result can be more accurate, and the stability of the internet payment channel can be better monitored.
In any one of the above technical solutions, preferably, the determining module includes: the second calculation submodule is used for substituting the initiating success quantity, the initiating failure quantity and the customs clearance quantity into a second calculation formula to determine the average initiating success rate of the internet payment channel; the third calculation sub-module is used for substituting the initiation success number and the callback number into a third calculation formula to determine the callback success rate; a comparison submodule, configured to compare the average initiation success rate with the callback success rate, and use the smaller of the average initiation success rate and the callback success rate as the reference success rate, where the second calculation formula is: the average initiating success rate is the initiating success quantity/(the initiating success quantity + the initiating failure quantity-the customs clearance quantity), and the third calculation formula is: the callback success rate is the number of callbacks/the number of successful initiations.
In the technical scheme, in order to ensure the accuracy and effectiveness of the reference success rate, the average initiation success rate of the internet payment channel can be calculated by the initiation success number, the initiation failure number and the customs clearance number, and the callback success rate after the payment is successful through the internet payment channel can be calculated by the initiation success number and the callback number, so that the smaller of the average initiation success rate and the callback success rate is used as the reference success rate, the tolerance degree of the stability of the internet payment channel is improved as much as possible, and the service quality of the internet payment channel is improved.
In any one of the above technical solutions, preferably, the obtaining module includes: the obtaining submodule is used for obtaining the current issuing quantity of the payment request sent by the application software to the internet payment channel within a preset time period and the current callback quantity after the internet payment channel is successfully paid; and the fourth calculating submodule is used for taking the ratio of the current callback quantity and the current invoice quantity obtained by the obtaining submodule as the real-time success rate.
In the technical scheme, a real-time success rate can be determined according to the current invoice amount requested to be paid by the application software to the internet payment channel within a certain time period (namely a preset time period, for example, 10 minutes), and the current callback number of the internet payment channel which is successfully paid for the invoice amount and fed back to the application software, and specifically, a ratio of the current callback number to the current invoice amount is used as the real-time success rate, so that the real-time success rate can be successfully acquired, and accuracy is guaranteed.
According to a third aspect of the embodiments of the present disclosure, a computer device is proposed, which includes a processor, and the processor is configured to implement the steps of the monitoring method according to any one of the above-mentioned solutions of the first aspect when executing the computer program stored in the memory.
According to a fourth aspect of the embodiments of the present disclosure, a computer-readable storage medium is proposed, on which a computer program is stored, which when executed by a processor implements the steps of the monitoring method according to any one of the above-mentioned solutions of the first aspect.
Through the technical scheme of the embodiment, the stability of the internet payment channel can be monitored in time, the service quality change condition of the payment channel can be found quickly, the payment request flow of the internet payment channel can be adjusted smoothly in time, the payment service efficiency is improved, meanwhile, a user can know the real reason of the abnormal payment in time, the internet payment channel is promoted to provide higher-quality payment service for internet platforms such as application software, and the user experience is improved.
Drawings
Fig. 1 shows a flow diagram of a monitoring method of an internet payment channel of an embodiment of the present disclosure;
fig. 2 is a schematic flowchart illustrating a method for determining whether to adjust the payment request traffic of the internet payment channel according to the real-time success rate, the reference success rate, and the preset adjustment threshold according to an embodiment of the present disclosure;
fig. 3 is a schematic flowchart illustrating a method for determining a reference success rate when an internet payment channel works stably according to payment statistics information according to an embodiment of the present disclosure;
fig. 4 shows a schematic block diagram of a monitoring apparatus of an internet payment channel of an embodiment of the present disclosure;
FIG. 5 shows a schematic block diagram of the processing module shown in FIG. 4;
FIG. 6 shows a schematic block diagram of the determination module shown in FIG. 4;
FIG. 7 shows a schematic block diagram of the acquisition module of FIG. 4;
FIG. 8 shows a schematic block diagram of a computer device of an embodiment of the present disclosure.
Detailed Description
In order that the above objects, features and advantages of the embodiments of the present disclosure may be more clearly understood, embodiments of the present disclosure are described in further detail below with reference to the accompanying drawings and detailed description. It should be noted that the embodiments and features of the embodiments of the present application may be combined with each other without conflict.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure, however, the embodiments of the disclosure may be practiced in other ways than those described herein, and therefore the scope of the embodiments of the disclosure is not limited by the specific embodiments disclosed below.
The method for monitoring an internet payment channel according to an embodiment of the present disclosure is described in detail below with reference to fig. 1 to 3.
As shown in fig. 1, according to the monitoring method of the internet payment channel of the embodiment of the present disclosure, an application software accesses the internet payment channel to pay, and the monitoring method specifically includes the following steps:
and step S10, collecting payment statistical information of the internet payment channel and the application software.
And step S20, determining the reference success rate of the internet payment channel when the internet payment channel works stably according to the payment statistical information.
And step S30, acquiring the real-time success rate of the current payment of the application software through the Internet payment channel.
And step S40, determining whether to adjust the payment request flow of the internet payment channel according to the real-time success rate, the reference success rate and a preset adjustment threshold.
In this embodiment, when the application software performs fee settlement through an accessed internet payment channel (such as a third party payment channel of a payer, a WeChat, and the like), in order to realize timely monitoring of service stability of the internet payment channel, a reference success rate of the internet payment channel during stable operation can be determined as a monitoring reference by collecting payment statistical information generated during normal use of the internet payment channel by the application software in advance, and then a real-time success rate of the application software during payment through the internet payment channel is monitored in real time to further determine whether to adjust a payment request flow of the internet payment channel in combination with a preset adjustment threshold, that is, by quickly finding a change of service quality of the payment channel and smoothly adjusting the payment request flow of the internet payment channel, thereby improving payment service efficiency, and the user experience is improved.
The application software can be network appointment application software.
The tolerance degree of the stability of the internet payment channel is controlled by setting a preset adjustment threshold, the smaller the preset adjustment threshold is, the less tolerant is that the payment channel fails, the larger the preset adjustment threshold is, the higher the tolerance degree of the payment channel is, the setting of the preset adjustment threshold depends on a specific strategy, and for example, the preset adjustment threshold can be 10%.
Further, as shown in fig. 2, step S40 in the foregoing embodiment may be specifically executed as the following flow steps:
and S402, substituting the real-time success rate and the reference success rate into a first calculation formula to determine a stable value of the internet payment channel when the current payment is carried out.
Step S404, determining whether the stable value is greater than the preset adjustment threshold.
And step S406, if so, performing traffic degradation processing on the Internet payment channel, otherwise, keeping the current state of the Internet payment channel.
Further, the first calculation formula is: the stable value is (the real-time success rate-the reference success rate)/the reference success rate.
According to the embodiment, when the control adjustment is performed on the payment request flow of the internet payment channel by combining the reference success rate, the real-time success rate of the current payment and the preset adjustment threshold, specifically, a stable value representing the service quality of the internet payment channel in the current payment process is determined according to the real-time success rate and the reference success rate, and then the time for performing the degradation processing on the payment request flow of the internet payment channel is determined according to the size relation between the stable value and the preset adjustment threshold, so that the service stability of the internet payment channel is maintained within a tolerance degree, and the stability of the internet payment channel accessed by application software is ensured.
Further, for the step S406, when it is determined that the stable value is greater than the preset adjustment threshold, and the traffic degradation processing is performed on the internet payment channel, specifically, the method may be implemented as: and sending prompt information indicating that the internet payment channel is unstable to the user with the application software accounting for the stable value.
In the embodiment, prompt information is specifically sent to users using part of application software to inform that the payment service provided by the internet payment channel accessed by the part of application software is unstable at present, so that the users can know the true reason why normal payment cannot be performed, the user incoming line of the internet payment channel is reduced, the payment request flow is degraded, the burden of the internet payment channel is reduced, the running stability of the internet payment channel accessed by the application software is ensured on the basis of ensuring the user experience, and the service quality is improved; the user using the part of application software is the part of users with the proportion of the total users being the calculated stable threshold, namely the users with the proportion of (real-time success rate-reference success rate)/reference success rate prompt that the internet payment channel is unstable, and the users with the rest proportion of (1- (real-time success rate-reference success rate)/reference success rate) do not prompt, specifically, the bottom layer service end appoints error codes and prompt information with the front end through detected data, and the front end displays prompt information of channel instability to the users according to the error codes of the service end.
Further, in the above embodiment, when the difference between the actually monitored real-time success rate and the reference success rate is small, that is, within the controllable threshold range, the internet payment channel can be completely replied.
Further, in any of the above embodiments, the payment statistics include: the application software sends successful sending quantity and failed sending quantity of payment requests to the internet payment channel, and the callback quantity after the internet payment channel succeeds in payment and the customs clearance quantity sent by the application software.
In this embodiment, the payment statistics that require statistics to be collected in advance should at least include: the successful initiating quantity after the application software initiates the payment request to the internet payment channel is the number of times of successfully jumping to the internet payment channel from the operation interface of the application software to perform payment action after the order takes effect; the number of failed initiation after the application software initiates a payment request to the internet payment channel, namely the number of times of unsuccessfully jumping to the internet payment channel from an operation interface of the application software to perform payment action after the order takes effect; and after the payment is successful through the internet payment channel, the callback quantity of the successful payment result and the order closing quantity of the order cancelled after the user submits the order through the application software are fed back to the application software. Therefore, the reference success rate of the internet payment channel during stable work is determined by counting the information with larger correlation with the service quality stability of the internet payment channel, the result can be more accurate, and the stability of the internet payment channel can be better monitored.
In the process of collecting the payment statistical information, the overall situation of a third payment channel is monitored, data collection and evaluation of a single service node are not taken as reference, and the payment statistical information can be obtained by collecting and adopting a downstream reporting mode, for example, a reporting logic mode is embedded in a transaction flow; of course, the payment statistical information may also be obtained through an active collection manner, such as collecting the service quality of the internet payment channel by pulling the transaction order state in the database.
Further, based on the above embodiment, step S20 shown in fig. 1 may be specifically implemented as the flow steps shown in fig. 3, including:
and step S202, substituting the initiating success quantity, the initiating failure quantity and the customs clearance quantity into a second calculation formula to determine the average initiating success rate of the Internet payment channel.
And step S204, substituting the initiating success quantity and the callback quantity into a third calculation formula to determine the callback success rate.
Step S206, comparing the average initiating success rate and the call-back success rate, and taking the smaller of the average initiating success rate and the call-back success rate as the reference success rate.
Further, the second calculation formula is: the average initiating success rate is the initiating success quantity/(the initiating success quantity + the initiating failure quantity-the customs clearance quantity), and the third calculation formula is: the callback success rate is the number of callbacks/the number of successful initiations.
In the embodiment, in order to ensure the accuracy and the effectiveness of the reference success rate, the average initiation success rate of the internet payment channel can be calculated by the initiation success number, the initiation failure number and the customs clearance number, and the callback success rate after the payment is successful through the internet payment channel can be calculated by the initiation success number and the callback number, so that the smaller of the average initiation success rate and the callback success rate is used as the reference success rate, the tolerance degree of the stability of the internet payment channel is improved as much as possible, and the service quality of the internet payment channel is improved.
Further, in any of the above embodiments, the step S30 may be specifically executed as:
acquiring the current invoice amount of a payment request sent by the application software to the internet payment channel within a preset time period and the current callback amount after the internet payment channel is successfully paid; and taking the ratio of the current callback number to the current invoice amount as the real-time success rate.
In this embodiment, a real-time success rate may be determined according to a current invoice amount requested to be paid by the application software to the internet payment channel within a certain time period (i.e., a preset time period, for example, 10 minutes), and a current callback number that is successfully paid by the internet payment channel for the invoice amount and fed back to the application software, and specifically, a ratio of the current callback number to the current invoice amount is used as the real-time success rate, so as to ensure that the real-time success rate can be successfully obtained and accuracy is ensured.
The following describes in detail a monitoring device of a payment channel according to an embodiment of the present disclosure with reference to fig. 4 to 7.
As shown in fig. 4, according to a monitoring apparatus 40 of a payment channel of an embodiment of the present disclosure, application software accesses to the internet payment channel to make payment, the monitoring apparatus 40 includes: an acquisition module 402, a determination module 404, an acquisition module 406, and a processing module 408.
Wherein the collecting module 402 is configured to collect payment statistics of the internet payment channel associated with the application software; the determining module 404 is configured to determine a reference success rate when the internet payment channel stably works according to the payment statistical information acquired by the acquiring module 402; the obtaining module 406 is configured to determine a reference success rate when the internet payment channel stably works according to the payment statistical information collected by the collecting module 402; the processing module 408 is configured to determine whether to adjust the payment request traffic of the internet payment channel according to the real-time success rate, the reference success rate, and a preset adjustment threshold.
In this embodiment, when the application software performs fee settlement through an accessed internet payment channel (such as a third party payment channel of a payer, a WeChat, and the like), in order to realize timely monitoring of service stability of the internet payment channel, a reference success rate of the internet payment channel during stable operation can be determined as a monitoring reference by collecting payment statistical information generated during normal use of the internet payment channel by the application software in advance, and then a real-time success rate of the application software during payment through the internet payment channel is monitored in real time to further determine whether to adjust a payment request flow of the internet payment channel in combination with a preset adjustment threshold, that is, by quickly finding a change of service quality of the payment channel and smoothly adjusting the payment request flow of the internet payment channel, thereby improving payment service efficiency, and the user experience is improved.
The application software can be network appointment application software.
The tolerance degree of the stability of the internet payment channel is controlled by setting a preset adjustment threshold, the smaller the preset adjustment threshold is, the less tolerant is that the payment channel fails, the larger the preset adjustment threshold is, the higher the tolerance degree of the payment channel is, the setting of the preset adjustment threshold depends on a specific strategy, and for example, the preset adjustment threshold can be 10%.
Further, as shown in fig. 5, the processing module 408 in the foregoing embodiment specifically includes: a first calculation sub-module 4082, a determination sub-module 4084 and a processing sub-module 4086.
The first calculation submodule 4082 is configured to substitute the real-time success rate and the reference success rate into a first calculation formula to determine a stable value of the internet payment channel when the current payment is performed; the determining submodule 4084 is configured to determine whether the stable value calculated by the first calculating submodule 4082 is greater than the preset adjustment threshold; the processing submodule 4086 is configured to perform traffic degradation processing on the internet payment channel when the determining submodule 4084 determines that the internet payment channel is a true internet payment channel, and otherwise, maintain the current state of the internet payment channel.
Further, the first calculation formula is: the stable value is (the real-time success rate-the reference success rate)/the reference success rate.
According to the embodiment, when the control adjustment is performed on the payment request flow of the internet payment channel by combining the reference success rate, the real-time success rate of the current payment and the preset adjustment threshold, specifically, a stable value representing the service quality of the internet payment channel in the current payment process is determined according to the real-time success rate and the reference success rate, and then the time for performing the degradation processing on the payment request flow of the internet payment channel is determined according to the size relation between the stable value and the preset adjustment threshold, so that the service stability of the internet payment channel is maintained within a tolerance degree, and the stability of the internet payment channel accessed by application software is ensured.
Further, in the above embodiment, when the determining sub-module 4084 determines that the stability threshold is greater than the preset adjustment threshold, the processing sub-module 4086 is specifically configured to: and sending prompt information indicating that the internet payment channel is unstable to the user of which the proportion of the application software is the stability threshold value.
In the embodiment, prompt information is specifically sent to users using part of application software to inform that the payment service provided by the internet payment channel accessed by the part of application software is unstable at present, so that the users can know the true reason why normal payment cannot be performed, the user incoming line of the internet payment channel is reduced, the payment request flow is degraded, the burden of the internet payment channel is reduced, the running stability of the internet payment channel accessed by the application software is ensured on the basis of ensuring the user experience, and the service quality is improved; the user using the part of application software is the part of users with the proportion of the total users being the calculated stable threshold, namely the users with the proportion of (real-time success rate-reference success rate)/reference success rate prompt that the internet payment channel is unstable, and the users with the rest proportion of (1- (real-time success rate-reference success rate)/reference success rate) do not prompt, specifically, the bottom layer service end appoints error codes and prompt information with the front end through detected data, and the front end displays prompt information of channel instability to the users according to the error codes of the service end.
Further, in the above embodiment, when the difference between the actually monitored real-time success rate and the reference success rate is small, that is, within the controllable threshold range, the internet payment channel can be completely replied.
Further, in any of the above embodiments, the payment statistics include: the application software sends successful sending quantity and failed sending quantity of payment requests to the internet payment channel, and the callback quantity after the internet payment channel succeeds in payment and the customs clearance quantity sent by the application software.
In this embodiment, the payment statistics that require statistics to be collected in advance should at least include: the successful initiating quantity after the application software initiates the payment request to the internet payment channel is the number of times of successfully jumping to the internet payment channel from the operation interface of the application software to perform payment action after the order takes effect; the number of failed initiation after the application software initiates a payment request to the internet payment channel, namely the number of times of unsuccessfully jumping to the internet payment channel from an operation interface of the application software to perform payment action after the order takes effect; and after the payment is successful through the internet payment channel, the callback quantity of the successful payment result and the order closing quantity of the order cancelled after the user submits the order through the application software are fed back to the application software. Therefore, the reference success rate of the internet payment channel during stable work is determined by counting the information with larger correlation with the service quality stability of the internet payment channel, the result can be more accurate, and the stability of the internet payment channel can be better monitored.
In the process of collecting the payment statistical information, the overall situation of a third payment channel is monitored, data collection and evaluation of a single service node are not taken as reference, and the payment statistical information can be obtained by collecting and adopting a downstream reporting mode, for example, a reporting logic mode is embedded in a transaction flow; of course, the payment statistical information may also be obtained through an active collection manner, such as collecting the service quality of the internet payment channel by pulling the transaction order state in the database.
Further, based on the above embodiments, the determining module 404 shown in fig. 4 may specifically include: a second calculation sub-module 4022, a third calculation sub-module 4024 and a comparison sub-module 4026, as shown in fig. 6.
The second calculation sub-module 4022 is configured to substitute the number of successful initiation, the number of failed initiation, and the number of customs tickets into a second calculation formula to determine an average success rate of initiation of the internet payment channel; the third computing sub-module 4024 is configured to substitute the initiation success number and the callback number into a third calculation formula to determine a callback success rate; the comparing sub-module 4026 is configured to compare the average initiating success rate with the callback success rate, and use the smaller of the average initiating success rate and the callback success rate as the reference success rate.
Further, the second calculation formula is: the average initiating success rate is the initiating success quantity/(the initiating success quantity + the initiating failure quantity-the customs clearance quantity), and the third calculation formula is: the callback success rate is the number of callbacks/the number of successful initiations.
In the embodiment, in order to ensure the accuracy and the effectiveness of the reference success rate, the average initiation success rate of the internet payment channel can be calculated by the initiation success number, the initiation failure number and the customs clearance number, and the callback success rate after the payment is successful through the internet payment channel can be calculated by the initiation success number and the callback number, so that the smaller of the average initiation success rate and the callback success rate is used as the reference success rate, the tolerance degree of the stability of the internet payment channel is improved as much as possible, and the service quality of the internet payment channel is improved.
Further, in any of the above embodiments, the obtaining module 406 shown in fig. 4 may specifically include: an acquisition sub-module 4062 and a fourth calculation sub-module 4064, as shown in FIG. 7.
The obtaining sub-module 4062 is configured to obtain a current invoice amount of the payment request sent by the application software to the internet payment channel within a preset time period, and a current callback amount after the internet payment channel is successfully paid; the fourth calculating submodule 4064 is configured to use a ratio of the current callback number to the current invoice amount obtained by the obtaining submodule 4062 as the real-time success rate.
In this embodiment, a real-time success rate may be determined according to a current invoice amount requested to be paid by the application software to the internet payment channel within a certain time period (i.e., a preset time period, for example, 10 minutes), and a current callback number that is successfully paid by the internet payment channel for the invoice amount and fed back to the application software, and specifically, a ratio of the current callback number to the current invoice amount is used as the real-time success rate, so as to ensure that the real-time success rate can be successfully obtained and accuracy is ensured.
FIG. 8 shows a schematic block diagram of a computer device of an embodiment of the present disclosure.
As shown in fig. 8, the computer device 80 according to the embodiment of the present disclosure includes a memory 802, a processor 804, and a computer program stored on the memory 802 and executable on the processor 804, where the memory 802 and the processor 804 may be connected through a bus, and the processor 804 is configured to implement the steps of the monitoring method as described in any one of the embodiments of fig. 1 to 3 when executing the computer program stored in the memory 802.
The steps in the method of the embodiments of the present disclosure may be sequentially adjusted, combined, and deleted according to actual needs.
The monitoring device of the payment channel and the units in the computer equipment in the embodiment of the disclosure can be combined, divided and deleted according to actual needs.
According to an embodiment of the present disclosure, a computer-readable storage medium is proposed, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the monitoring method as described above in any one of the embodiments of fig. 1 to 3.
Further, it is understood by those skilled in the art that all or part of the steps in the methods of the above embodiments may be implemented by instructing related hardware with a program, and the program may be stored in a computer-readable storage medium, where the storage medium includes a Read-Only Memory (ROM), a Random Access Memory (RAM), a Programmable Read-Only Memory (PROM), an Erasable Programmable Read-Only Memory (EPROM), a One-time Programmable Read-Only Memory (OTPROM), an Electrically Erasable Programmable Read-Only Memory (EEPROM), an optical Disc (EEPROM), a Compact Disc Read-Only Memory (CD-ROM), or other Memory Disk storage, tape storage, or any other medium readable by a computer that can be used to carry or store data.
Further, the Computer device may be a PC (Personal Computer) terminal.
The technical scheme of the embodiment of the disclosure is described in detail above with reference to the accompanying drawings, and by means of the technical scheme of the embodiment of the disclosure, the stability of the internet payment channel can be monitored in time, and the change situation of the service quality of the payment channel can be found quickly, so that the payment request flow of the internet payment channel can be adjusted smoothly in time, the payment service efficiency is improved, meanwhile, the user can know the real reason of abnormal payment in time, and the internet payment channel is promoted to provide better payment service for internet platforms such as application software, and the user experience is improved.
In the embodiments of the present disclosure, the terms "first", "second", and "third" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance, and specific meanings of the above terms in the embodiments of the present disclosure may be understood according to specific situations by those of ordinary skill in the art.
The above description is only a preferred embodiment of the present disclosure and is not intended to limit the present disclosure, and various modifications and changes may be made to the present disclosure by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the disclosed embodiments should be included in the scope of protection of the disclosed embodiments.

Claims (12)

1. A monitoring method of an Internet payment channel, wherein application software accesses the Internet payment channel to pay, the monitoring method comprises the following steps:
collecting payment statistical information of the internet payment channel and the application software;
determining a reference success rate of the internet payment channel when the internet payment channel works stably according to the payment statistical information;
acquiring the real-time success rate of the current payment of the application software through the internet payment channel;
determining whether to adjust the payment request flow of the internet payment channel according to the real-time success rate, the reference success rate and a preset adjustment threshold, wherein the step of determining whether to adjust the payment request flow of the internet payment channel according to the real-time success rate, the reference success rate and the preset adjustment threshold comprises the following steps:
substituting the real-time success rate and the reference success rate into a first calculation formula to determine a stable value of the internet payment channel when the current payment is carried out;
judging whether the stable value is larger than the preset adjusting threshold value or not;
if so, performing traffic degradation processing on the Internet payment channel, otherwise, keeping the current state of the Internet payment channel,
wherein the first calculation formula is: the stable value is (the real-time success rate-the reference success rate)/the reference success rate.
2. The monitoring method of claim 1, wherein when it is determined that the stable value is greater than the preset adjustment threshold, the step of performing traffic degradation processing on the internet payment channel comprises:
and sending prompt information indicating that the internet payment channel is unstable to the user with the application software accounting for the stable value.
3. A monitoring method according to claim 1 or 2, wherein the payment statistics comprise:
the application software sends successful sending quantity and failed sending quantity of payment requests to the internet payment channel, and the callback quantity after the internet payment channel succeeds in payment and the customs clearance quantity sent by the application software.
4. The monitoring method according to claim 3, wherein the step of determining the reference success rate of the internet payment channel when the internet payment channel works stably according to the payment statistical information comprises:
substituting the successful initiating quantity, the failed initiating quantity and the customs clearance quantity into a second calculation formula to determine the average initiating success rate of the internet payment channel;
substituting the initiation success number and the callback number into a third calculation formula to determine a callback success rate;
comparing the average initiation success rate and the callback success rate, and taking the smaller of the average initiation success rate and the callback success rate as the reference success rate,
wherein the second calculation formula is: the average origination success rate is the origination success number/(the origination success number + the origination failure number-the order number), and
the third calculation formula is: the callback success rate is the number of callbacks/the number of successful initiations.
5. The monitoring method according to claim 3, wherein the step of obtaining the real-time success rate of the current payment of the application software through the internet payment channel comprises:
acquiring the current invoice amount of a payment request sent by the application software to the internet payment channel within a preset time period and the current callback amount after the internet payment channel is successfully paid;
and taking the ratio of the current callback number to the current invoice amount as the real-time success rate.
6. A monitoring device for an internet payment channel for application software to access the internet payment channel for payment, the monitoring device comprising:
the acquisition module is used for acquiring payment statistical information of the internet payment channel and the application software;
the determining module is used for determining the reference success rate of the internet payment channel in stable work according to the payment statistical information acquired by the acquiring module;
the acquisition module is used for acquiring the real-time success rate of the current payment of the application software through the internet payment channel;
the processing module is used for determining whether to adjust the payment request flow of the internet payment channel according to the real-time success rate, the reference success rate and a preset adjustment threshold;
the processing module comprises:
the first calculation submodule is used for substituting the real-time success rate and the reference success rate into a first calculation formula to determine a stable value of the internet payment channel when the current payment is carried out;
the judgment submodule is used for judging whether the stable value calculated by the first calculation submodule is larger than the preset adjustment threshold value or not;
the processing submodule is used for carrying out flow degradation processing on the internet payment channel when the judging submodule judges that the internet payment channel is the current internet payment channel, otherwise, the processing submodule keeps the current state of the internet payment channel,
wherein the first calculation formula is: the stable value is (the real-time success rate-the reference success rate)/the reference success rate.
7. The monitoring device according to claim 6, wherein when the determining submodule determines that the stable value is greater than the preset adjustment threshold, the processing submodule is specifically configured to:
and sending prompt information indicating that the internet payment channel is unstable to the user with the application software accounting for the stable value.
8. The monitoring device of claim 6 or 7, wherein the payment statistics comprise:
the application software sends successful sending quantity and failed sending quantity of payment requests to the internet payment channel, and the callback quantity after the internet payment channel succeeds in payment and the customs clearance quantity sent by the application software.
9. The monitoring device of claim 8, wherein the determining module comprises:
the second calculation submodule is used for substituting the initiating success quantity, the initiating failure quantity and the customs clearance quantity into a second calculation formula to determine the average initiating success rate of the internet payment channel;
the third calculation sub-module is used for substituting the initiation success number and the callback number into a third calculation formula to determine the callback success rate;
a comparison submodule for comparing the average initiation success rate and the call-back success rate, and using the smaller of the average initiation success rate and the call-back success rate as the reference success rate,
wherein the second calculation formula is: the average origination success rate is the origination success number/(the origination success number + the origination failure number-the order number), and
the third calculation formula is: the callback success rate is the number of callbacks/the number of successful initiations.
10. The monitoring device of claim 8, wherein the obtaining module comprises:
the obtaining submodule is used for obtaining the current issuing quantity of the payment request sent by the application software to the internet payment channel within a preset time period and the current callback quantity after the internet payment channel is successfully paid;
and the fourth calculating submodule is used for taking the ratio of the current callback quantity and the current invoice quantity obtained by the obtaining submodule as the real-time success rate.
11. A computer arrangement, characterized in that the computer arrangement comprises a processor for implementing the steps of the monitoring method according to any one of claims 1 to 5 when executing a computer program stored in a memory.
12. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the monitoring method according to any one of claims 1 to 5.
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