CN116976878A - Payment channel selection methods, equipment, storage media and devices - Google Patents
Payment channel selection methods, equipment, storage media and devices Download PDFInfo
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Abstract
本发明属于数据处理技术领域，公开了一种支付渠道选取方法、设备、存储介质及装置，本发明通过获取用户触发的支付渠道查询请求对应的请求参数；根据所述请求参数和预设金融渠道查询引擎确定目标金融渠道列表；根据预设分流规则对所述目标金融渠道列表进行支付渠道过滤，确定目标支付渠道，相较于现有的支付渠道选取方案无法动态基于实时交易数据做最优支付渠道路由决策，导致用户体验较差，本发明通过交易数据和算法优化支付渠道的路由决策，提高支付成功率，提升用户或商户支付体验。
The invention belongs to the field of data processing technology and discloses a payment channel selection method, equipment, storage medium and device. The invention obtains the request parameters corresponding to the payment channel query request triggered by the user; according to the request parameters and the preset financial channel The query engine determines the target financial channel list; performs payment channel filtering on the target financial channel list according to the preset diversion rules to determine the target payment channel. Compared with the existing payment channel selection scheme, it cannot dynamically make optimal payments based on real-time transaction data. Channel routing decisions lead to poor user experience. This invention optimizes the routing decisions of payment channels through transaction data and algorithms, improves the payment success rate, and enhances the user or merchant payment experience.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a payment channel selection method, device, storage medium, and apparatus.
Background
At present, each service (such as recharging, presenting, consuming, issuing, deducting, refunding, charging and returning, etc.) of the third-party payment system generates a plurality of service scenes after each service type and specific merchant products are combined, and the number of payment channels and clearing channels supported by each service scene is different, so that routing inquiry is needed when each service is carried out to obtain the optimal or unique payment channel as the payment channel on which the current service depends. The existing payment channel selection scheme cannot dynamically make an optimal payment channel routing decision based on real-time transaction data, so that user experience is poor.
Disclosure of Invention
The invention mainly aims to provide a payment channel selection method, equipment, a storage medium and a device, and aims to solve the technical problem that the user experience is poor because the conventional payment channel selection scheme cannot dynamically make an optimal payment channel routing decision based on real-time transaction data.
In order to achieve the above object, the present invention provides a payment channel selection method, which includes the steps of:
acquiring request parameters corresponding to a payment channel query request triggered by a user;
determining a target financial channel list according to the request parameters and a preset financial channel query engine;
and carrying out payment channel filtering on the target financial channel list according to a preset distribution rule, and determining a target payment channel.
Optionally, the step of determining the financial channel service of the payment data according to the request parameter inquires a supported financial channel list includes:
invoking a preset service scene query engine according to the service scene, the merchant type and the user type in the request parameters to determine scene attribute information corresponding to the service scene;
and determining a target financial channel list according to the scene attribute information and a preset financial channel query engine.
Optionally, the step of determining the target financial channel list according to the scene attribute information and the preset financial channel query engine includes:
performing financial code conversion on the scene attribute information to obtain a conversion result;
judging whether the conversion result meets the preset financial channel query condition, querying the financial channel according to the judgment result and a preset financial channel query engine, and obtaining a target financial channel list.
Optionally, the preset distribution rule includes a service type filter, an availability filter, a quota filter, a day accumulation filter, and a weighting filter, and the step of performing payment channel filtering on the target financial channel list according to the preset distribution rule, and determining a target payment channel includes:
according to the business type filter, the availability filter, the quota filter, the daily accumulation filter and the weighting filter, carrying out payment channel filtering on the target financial channel list to obtain filtered payment channels;
and determining a target payment channel according to the filtered payment channel.
Optionally, the weighted filter is a filter constructed based on an exponential weighted average algorithm, and the filter is used for calculating an average success rate of a payment channel;
the calculation formula of the average success rate of the payment channel is as follows:
R t ＝βR t-1 +(1-β)H t ；
wherein R is t Represents the average success rate of the payment channel at time t; h t Representing the success rate of the payment channel at the t-th hour; beta refers to an adjustable parameter; r is R 0 The weight filter described as =0 is a filter constructed based on an exponential weighted average algorithm, the filterThe method is used for calculating the average success rate of the payment channel;
the calculation formula of the average success rate of the payment channel is as follows:
R t ＝βR t-1 +(1-β)H t ；
wherein R is t Represents the average success rate of the payment channel at time t; h t Representing the success rate of the payment channel at the t-th hour; beta refers to an adjustable parameter; r is R 0 ＝0。
Optionally, before the step of obtaining the request parameter corresponding to the payment channel query request triggered by the user, the method further includes:
acquiring transaction data item information submitted by a user based on a transaction page;
and triggering a payment channel inquiry request according to the transaction data item information, and determining a request parameter according to the transaction data item information.
Optionally, after the step of filtering the payment channel of the target financial channel list according to the preset distribution rule and determining the target payment channel, the method further includes:
and feeding the target payment channel back to the user as a unique payment channel.
In addition, in order to achieve the above object, the present invention also proposes a payment channel selection device comprising a memory, a processor and a payment channel selection program stored on the memory and executable on the processor, the payment channel selection program being configured to implement the steps of payment channel selection as described above.
In addition, in order to achieve the above object, the present invention also proposes a storage medium having stored thereon a payment channel selection program which, when executed by a processor, implements the steps of the payment channel selection method as described above.
In addition, in order to achieve the above object, the present invention also provides a payment channel selection device, including:
the parameter acquisition module is used for acquiring request parameters corresponding to the payment channel query request triggered by the user;
the list query module is used for determining a target financial channel list according to the request parameters and a preset financial channel query engine;
and the channel determining module is used for filtering the payment channels of the target financial channel list according to a preset distribution rule and determining target payment channels.
The method comprises the steps of obtaining request parameters corresponding to a payment channel inquiry request triggered by a user; determining a target financial channel list according to the request parameters and a preset financial channel query engine; according to the method, the payment channel is filtered according to the preset distribution rule, and the target payment channel is determined.
Drawings
FIG. 1 is a schematic diagram of a payment channel selection device of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a flow chart of a first embodiment of a payment channel selection method according to the present invention;
FIG. 3 is a schematic diagram of the overall architecture of a third party payment system according to a first embodiment of the payment channel selection method of the present invention;
FIG. 4 is a flow chart of a second embodiment of a payment channel selection method according to the present invention;
FIG. 5 is a diagram illustrating a payment channel query call flow for a second embodiment of the payment channel selection method of the present invention;
fig. 6 is a block diagram of a first embodiment of a payment channel selection device according to the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
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 invention.
Referring to fig. 1, fig. 1 is a schematic diagram of a payment channel selection device in a hardware running environment according to an embodiment of the present invention.
As shown in fig. 1, the payment channel selection apparatus may include: a processor 1001, such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, a memory 1005. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display (Display), and the optional user interface 1003 may also include a standard wired interface, a wireless interface, and the wired interface for the user interface 1003 may be a USB interface in the present invention. The network interface 1004 may optionally include a standard wired interface, a Wireless interface (e.g., a Wireless-Fidelity (Wi-Fi) interface). The Memory 1005 may be a high-speed random access Memory (Random Access Memory, RAM) or a stable Memory (NVM), such as a disk Memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
It will be appreciated by those skilled in the art that the structure shown in fig. 1 does not constitute a limitation of the payment channel selection device, and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
As shown in fig. 1, an operating system, a network communication module, a user interface module, and a payment channel selection program may be included in a memory 1005 identified as one type of computer storage medium.
In the payment channel selection device shown in fig. 1, the network interface 1004 is mainly used for connecting to a background server, and performing data communication with the background server; the user interface 1003 is mainly used for connecting user equipment; the payment channel selection device invokes a payment channel selection program stored in the memory 1005 through the processor 1001, and executes the payment channel selection method provided by the embodiment of the present invention.
Based on the hardware structure, the embodiment of the payment channel selection method is provided.
Referring to fig. 2, fig. 2 is a flowchart illustrating a first embodiment of a payment channel selection method according to the present invention.
In this embodiment, the payment channel selection method includes the following steps:
step S10: and acquiring request parameters corresponding to the payment channel query request triggered by the user.
It should be noted that, the execution body in this embodiment may be a device including a third party payment system, where the third party payment system includes a payment channel selection function, for example: the computer, tablet, mobile phone or notebook may be any other device capable of implementing the same or similar functions, which is not limited in this embodiment. The overall architecture schematic of the third party payment system may refer to fig. 3, where the whole third party payment system is composed of a business system, a core platform, a member system, a financial switching center, and an inner tube platform. The channel routing center belongs to a subsystem of the core platform. The scheme is mainly used for upgrading and reforming the channel routing system, and is used for optimizing the routing decision of the payment channel and improving the payment success rate based on the transaction data of the payment system and a reformed channel routing center of an exponential weighted average algorithm. In this embodiment and the following embodiments, a computer is used as an example to describe the payment channel selection method of the present invention.
It should be appreciated that the payment channel query request is a payment channel query request triggered when the user initiates a transaction request, where the payment channel may refer to an online payment channel, a banking direct channel: work, farm, poster, middle, construction, etc. Because the payment channels bound by the user before the transaction are different, the user needs to query the payment channels bound by the user, so that the optimal payment channel is selected from the bound payment channels to be used as the payment channel of the transaction.
It may be understood that the request parameter corresponding to the payment channel query request may refer to a request parameter corresponding to the channel query request generated when the payment instruction is triggered by the user, where the request parameter may include parameter information when the user transacts.
Further, before the step S10, the method further includes: acquiring transaction data item information submitted by a user based on a transaction page; and triggering a payment channel inquiry request according to the transaction data item information, and determining a request parameter according to the transaction data item information.
It should be noted that, by acquiring transaction data item information submitted by a user based on a transaction page, the transaction data item may refer to transaction data type information submitted by the user during a transaction, where the transaction data type includes data items of types such as an amount, a merchant name, a payment user name, and a transaction time, and the data item is not limited to one item.
In a specific implementation, a user inputs a transaction data item on a transaction page, and when clicking and submitting the transaction data item, a transaction request enters a cashing platform so as to trigger a payment channel query request, wherein the request parameters comprise: information about the merchant, merchant type, user type (B2C, B B), service type (recharge, recharge refund, consume refund, issue, deduct), product to which the service belongs, etc. of the transaction.
Step S20: and determining a target financial channel list according to the request parameters and a preset financial channel query engine.
It should be noted that the preset financial channel query engine may be a program pre-embedded in the third party payment system for triggering a financial channel query, where the engine is automatically triggered when a query request is received, and the preset financial channel query engine may query payment channels bound by a user, so as to generate a target financial channel list according to the payment channels bound by the user.
Step S30: and carrying out payment channel filtering on the target financial channel list according to a preset distribution rule, and determining a target payment channel.
It should be noted that the preset distribution rule may be a preset distribution rule for screening a unique payment channel from the payment channel list, and the distribution rule may be a rule constructed based on an exponential weighted average algorithm.
It can be appreciated that the payment channels supporting the same business scenario, although there are a plurality of payment channels, can only be selected as the payment channels for transaction payment. The routing rule algorithm implements how to screen the payment channels. The main algorithm elements adopted are: merchant, merchant type, user type, product type, business type, size, card type (debit card, credit card, debit/credit mix), agreement (shortcut), commission, real name authentication. Wherein the related scheme is to screen payment channels according to business scenes; and carrying out a diversion decision on a plurality of payment channels according to the routing rule as a payment channel routing means, wherein the diversion mode cannot make a routing decision of an optimal payment channel based on real-time transaction data.
It can be understood that, according to the scheme, for real-time transaction data of the payment system, a payment route decision is optimized according to an exponential weighting average algorithm, the success rate of a payment channel at each moment is multiplied by a weight, the weight of each value decreases exponentially along with time, and more recent data is weighted more heavily, namely, the payment channel route decision is performed according to the success rate of the payment channel at each moment and the weight decreasing in time index, so that the payment success rate is improved.
In the specific implementation, payment channels in the financial channel list are screened through preset distribution rules, and the optimal payment channels are screened out.
Further, after the step S30, the method further includes: and feeding the target payment channel back to the user as a unique payment channel.
It should be noted that, the optimal payment channel is fed back to the user as the unique payment channel, so that the payment success is improved, and the payment experience of the user or the merchant is improved.
The embodiment obtains the request parameters corresponding to the payment channel inquiry request triggered by the user; determining a target financial channel list according to the request parameters and a preset financial channel query engine; and filtering the payment channels according to a preset distribution rule, determining the target payment channels, wherein compared with the prior payment channel selection scheme which cannot dynamically make an optimal payment channel routing decision based on real-time transaction data, the method and the device have poor user experience, and optimize the payment channel routing decision through the transaction data and the algorithm, so that the payment success rate is improved, and the user or merchant payment experience is improved.
Referring to fig. 4, fig. 4 is a flowchart illustrating a second embodiment of the payment channel selection method according to the present invention, and the second embodiment of the payment channel selection method according to the present invention is proposed based on the first embodiment shown in fig. 2.
In this embodiment, the step S20 includes:
step S201: and calling a preset business scene query engine according to the business scene, the merchant type and the user type in the request parameters to determine scene attribute information corresponding to the business scene.
It should be noted that, the business scenario may be a scenario of online transaction caused based on a scenario requirement, where the scenario requirement may be a business scenario of swipe code payment, credit card payment or swipe card payment, and the type of the merchant may be a standard type merchant, a preferential type merchant or a public benefit type merchant, where the standard type merchant may be further classified into two types, for example: entity merchants: a supermarket, mall, restaurant, etc., a virtual merchant may refer to a merchant without a physical storefront, such as: the network merchant, the embodiment does not limit the specific merchant type. The user type can be a user in two modes of B2C, B B, wherein the mode B2B can refer to the business mode of commodity, service and information transaction among merchants and enterprises, and is characterized in that: attention is paid to the professional, high reliability and long period. The b2c mode may refer to a mode of electronic commerce, as well as a retail mode that is directed towards consumer sales of product and service businesses.
It may be appreciated that the preset business scenario query engine may be a preset engine for invoking business scenario service query scenario related attributes, and the engine may be a program embedded into the payment channel query subsystem. The scene attribute information may refer to attribute information corresponding to a user and a merchant in various business scenes, and the attribute information may include information such as a financial channel, transaction time, transaction type, transaction amount and the like corresponding to a payment mode supportable by the user or the merchant in the corresponding business scenes.
Step S202: and determining a target financial channel list according to the scene attribute information and a preset financial channel query engine.
It should be noted that, the above scenario attribute information and the preset financial channel query engine are used to determine a supportable financial channel set from various amount channels, and generate a target financial channel list from the financial channel set.
Further, the step S202 further includes: performing financial code conversion on the scene attribute information to obtain a conversion result; judging whether the conversion result meets the preset financial channel query condition, querying the financial channel according to the judgment result and a preset financial channel query engine, and obtaining a target financial channel list.
It should be noted that, the conversion result is obtained by converting the information such as characters, character strings, values and the like contained in the scene attribute information into the financial industry characters through a preset financial code conversion mode, where the preset financial code conversion mode may be a conversion mode between preset various payment institutions and institution codes, for example: XX financial channels, the corresponding codes may be represented in numerical form, such as: 806, so as to conveniently judge whether the conversion result meets the preset financial channel query condition according to code matching at a later stage, so that code conversion is performed on financial channels contained in the determined scene attribute information to obtain a financial code set, the financial code set is compared with the preset financial code, whether corresponding financial channels exist or not is judged according to the comparison result, further, financial channel query is performed according to the judgment result and the preset financial channel query engine, and a target financial channel list is obtained.
It can be understood that by converting the financial channels contained in the scene attribute information into financial codes, comparing the financial codes obtained by conversion with preset financial codes, and judging whether the financial codes contained in the conversion result are matched with the codes corresponding to supportable financial channels according to the comparison result, whether the conversion result meets the preset financial channel query conditions or not is judged according to the matching result, and then when the codes are matched, the preset financial channel query conditions are judged to be met, financial channel query is performed according to a preset financial channel query engine, and a target financial channel list is obtained, wherein the target financial channel list contains characters corresponding to channels and information in two representation forms of codes.
Further, the preset diversion rule includes a service type filter, an availability filter, a quota filter, a day accumulation filter, and a weighting filter, and in this embodiment, the step S30 includes:
step S301: and carrying out payment channel filtration on the target financial channel list according to the business type filter, the availability filter, the quota filter, the daily accumulation filter and the weighting filter to obtain filtered payment channels.
The service type filter, availability filter, quota filter, day accumulation filter, and weighting filter are deployed, and payment channels are filtered by the service type filter, availability filter, quota filter, day accumulation filter, and weighting filter.
It can be appreciated that the availability filter: payment channels may be unavailable for stages at system maintenance or at financial day-to-day times, requiring the exclusion of relevant payment channels through the filter. Quota filter: each bank of different channels has different transaction limits, and payment channels exceeding the limits are excluded for transaction amounts. Day accumulation filter: the daily cumulative limit of each bank of different channels is different, and the daily cumulative amount of the corresponding bill Zhang Yinhang card is used for excluding the payment channel exceeding the daily cumulative limit. Weighting filter: and calculating the average payment success rate of the current available channels according to the historical transaction data of the bank card, sorting according to the average payment success rate, and reserving the optimal payment channels to exclude other payment channels.
In the specific implementation, the service type filter, the availability filter, the quota filter, the day accumulation filter and the weighting filter are deployed in advance, and then the payment channels in the target financial channel list are filtered through the service type filter, the availability filter, the quota filter, the day accumulation filter and the weighting filter, so that the filtered payment channels are obtained.
Further, the weighted filter is a filter constructed based on an exponential weighted average algorithm, and the filter is used for calculating the average success rate of the payment channel; the calculation formula of the average success rate of the payment channel is as follows: r is R t ＝βR t-1 +(1-β)H t The method comprises the steps of carrying out a first treatment on the surface of the Wherein R is t Represents the average success rate of the payment channel at time t; h t Representing the success rate of the payment channel at the t-th hour; beta refers to an adjustable parameter; r is R 0 ＝0。
It should be noted that, the weighted filter is implemented by a payment channel average success rate calculation formula: rt=βrt-1+ (1- β) Ht; wherein Rt represents the average success rate of the payment channel at the t-th hour; ht represents the success rate of the payment channel at the t-th hour; beta refers to an adjustable parameter; r0=0.
In a specific implementation, r1=βr0+ (1- β) H1; r2=βr1+ (1- β) H2; r3=βr2+ (1- β) H3; from the above expression, we can see that R 24 Equal to the success rate of the payment channel at each moment, multiplied by a weight, the weight of each value decreases exponentially with time, and more recent data is weighted more heavily, but older data is given a certain weight. The routing method has the beneficial effects that the average success rate from 0 to t-1 moment and the success rate of the current time period only need to be reserved for massive transaction data. The more recent the time, the larger the weight, the smaller the weight of the historical average success rate along with the time, and finally the attenuation is negligible, so that the success rate of the payment channel is accurately fed back. If the daily transaction amount of the payment system is more than one hundred million levels, the weighted average payment success rate is calculated according to the present invention, if the payment channel success rate at a certain moment t is calculated, only a constant value is reserved for calculation, the average success rate is calculated without counting the total data, and the system memory and space are well reduced for massive transaction data.
Step S302: and determining a target payment channel according to the filtered payment channel.
It should be noted that, to further describe the payment channel query call flow in this solution, reference may be made to the payment channel query call flow schematic diagram shown in fig. 5, where the specific steps related to the payment channel query are as follows:
(1) The user inputs transaction data items on a transaction page, clicks and submits the transaction data items, requests to enter a cash register, initiates a payment channel query request, and request parameters comprise: the merchant of the transaction, the merchant type, the user type (B2C, B B), the service type (recharge, recharge refund, consume refund, reimbursement), the product to which the service belongs.
(2) And calling the service scene service to inquire the scene related attribute according to the service scene, the merchant type and the user type.
(3) And determining a financial channel list supported by the financial channel service query of the payment data according to the business scene and the merchant type.
(4) The diversion rules (business type filter, availability filter, quota filter, day accumulation filter, weighting filter) are invoked to filter the payment channels.
(5) Returning a unique payment channel.
The embodiment obtains the request parameters corresponding to the payment channel inquiry request triggered by the user; invoking a preset service scene query engine according to the service scene, the merchant type and the user type in the request parameters to determine scene attribute information corresponding to the service scene; determining a target financial channel list according to the scene attribute information and a preset financial channel query engine; according to the business type filter, the availability filter, the quota filter, the daily accumulation filter and the weighting filter, carrying out payment channel filtering on the target financial channel list to obtain filtered payment channels; according to the filtered payment channel, a target payment channel is determined, and compared with the fact that an existing payment channel selection scheme cannot dynamically make an optimal payment channel routing decision based on real-time transaction data, the method and the device have poor user experience, and the payment channel routing decision is optimized through the transaction data and the algorithm, so that the payment success rate is improved, and the user or merchant payment experience is improved.
In addition, in order to achieve the above object, the present invention also proposes a storage medium having stored thereon a payment channel selection program which, when executed by a processor, implements the steps of the payment channel selection method as described above.
Referring to fig. 6, fig. 6 is a block diagram illustrating a first embodiment of a payment channel selection device according to the present invention.
As shown in fig. 6, the payment channel selection device provided by the embodiment of the invention includes:
the parameter acquisition module 10 is used for acquiring request parameters corresponding to the payment channel query request triggered by the user;
a list query module 20, configured to determine a target financial channel list according to the request parameter and a preset financial channel query engine;
the channel determining module 30 is configured to perform payment channel filtering on the target financial channel list according to a preset distribution rule, and determine a target payment channel.
The embodiment obtains the request parameters corresponding to the payment channel inquiry request triggered by the user; determining a target financial channel list according to the request parameters and a preset financial channel query engine; and filtering the payment channels according to a preset distribution rule, determining the target payment channels, wherein compared with the prior payment channel selection scheme which cannot dynamically make an optimal payment channel routing decision based on real-time transaction data, the method and the device have poor user experience, and optimize the payment channel routing decision through the transaction data and the algorithm, so that the payment success rate is improved, and the user or merchant payment experience is improved.
Further, the list query module 20 is further configured to invoke a preset service scene query engine according to the service scene, the merchant type and the user type in the request parameter to determine scene attribute information corresponding to the service scene; and determining a target financial channel list according to the scene attribute information and a preset financial channel query engine.
Further, the list query module 20 is further configured to perform financial transcoding on the scene attribute information to obtain a conversion result; judging whether the conversion result meets the preset financial channel query condition, querying the financial channel according to the judgment result and a preset financial channel query engine, and obtaining a target financial channel list.
Further, the channel determining module 30 is further configured to perform payment channel filtering on the target financial channel list according to the service type filter, the availability filter, the quota filter, the day accumulation filter, and the weighting filter, to obtain a filtered payment channel; and determining a target payment channel according to the filtered payment channel.
Further, the parameter obtaining module 10 is further configured to obtain transaction data item information submitted by the user based on the transaction page; and triggering a payment channel inquiry request according to the transaction data item information, and determining a request parameter according to the transaction data item information.
Further, the channel determination module 30 is further configured to feed back the target payment channel to the user as a unique payment channel.
It should be understood that the foregoing is illustrative only and is not limiting, and that in specific applications, those skilled in the art may set the invention as desired, and the invention is not limited thereto.
It should be noted that the above-described working procedure is merely illustrative, and does not limit the scope of the present invention, and in practical application, a person skilled in the art may select part or all of them according to actual needs to achieve the purpose of the embodiment, which is not limited herein.
In addition, technical details not described in detail in this embodiment may refer to the payment channel selection method provided in any embodiment of the present invention, and are not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The use of the terms first, second, third, etc. do not denote any order, but rather the terms first, second, third, etc. are used to interpret the terms as names.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. read only memory mirror (Read Only Memory image, ROM)/random access memory (Random Access Memory, RAM), magnetic disk, optical disk), comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (10)
1. The payment channel selection method is characterized by comprising the following steps of:
acquiring request parameters corresponding to a payment channel query request triggered by a user;
determining a target financial channel list according to the request parameters and a preset financial channel query engine;
and carrying out payment channel filtering on the target financial channel list according to a preset distribution rule, and determining a target payment channel.
2. The payment channel selection method as recited in claim 1, wherein the step of determining a financial channel service query supporting financial channel list of payment data according to the request parameter comprises:
invoking a preset service scene query engine according to the service scene, the merchant type and the user type in the request parameters to determine scene attribute information corresponding to the service scene;
and determining a target financial channel list according to the scene attribute information and a preset financial channel query engine.
3. The payment channel selection method as claimed in claim 2, wherein the step of determining a target financial channel list according to the scene attribute information and a preset financial channel query engine comprises:
performing financial code conversion on the scene attribute information to obtain a conversion result;
judging whether the conversion result meets the preset financial channel query condition, querying the financial channel according to the judgment result and a preset financial channel query engine, and obtaining a target financial channel list.
4. The payment channel selection method as recited in claim 3, wherein the preset distribution rule includes a business type filter, an availability filter, a quota filter, a day accumulation filter, and a weighting filter, and the step of performing payment channel filtering on the target financial channel list according to the preset distribution rule to determine a target payment channel includes:
according to the business type filter, the availability filter, the quota filter, the daily accumulation filter and the weighting filter, carrying out payment channel filtering on the target financial channel list to obtain filtered payment channels;
and determining a target payment channel according to the filtered payment channel.
5. The payment channel selection method as recited in claim 4, wherein the weighted filter is a filter constructed based on an exponential weighted average algorithm, the filter being used to calculate an average success rate of the payment channel;
the calculation formula of the average success rate of the payment channel is as follows:
R t ＝βR t-1 +(1-β)H t ；
wherein R is t Represents the average success rate of the payment channel at time t; h t Representing the success rate of the payment channel at the t-th hour; beta refers to an adjustable parameter; r is R 0 ＝0。
6. The payment channel selection method as set forth in any one of claims 1 to 5, wherein before the step of obtaining the request parameter corresponding to the user-triggered payment channel query request, the method further includes:
acquiring transaction data item information submitted by a user based on a transaction page;
and triggering a payment channel inquiry request according to the transaction data item information, and determining a request parameter according to the transaction data item information.
7. The payment channel selection method as recited in claim 6, wherein after the step of performing payment channel filtering on the target financial channel list according to a preset distribution rule to determine a target payment channel, the method further comprises:
and feeding the target payment channel back to the user as a unique payment channel.
8. A payment channel selection device, characterized in that the payment channel selection device comprises: a memory, a processor and a payment channel selection program stored on the memory and executable on the processor, which when executed by the processor implements the payment channel selection method as claimed in any one of claims 1 to 7.
9. A storage medium having stored thereon a payment channel selection program which when executed by a processor implements the payment channel selection method according to any one of claims 1 to 7.
10. A payment channel selection device, characterized in that the payment channel selection device comprises:
the parameter acquisition module is used for acquiring request parameters corresponding to the payment channel query request triggered by the user;
the list query module is used for determining a target financial channel list according to the request parameters and a preset financial channel query engine;
and the channel determining module is used for filtering the payment channels of the target financial channel list according to a preset distribution rule and determining target payment channels.
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| CN119762056A (en) * | 2024-12-02 | 2025-04-04 | 天翼电子商务有限公司 | Method and device for determining routing channel and nonvolatile storage medium |
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